Date Received: 2018-10-22

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: XX/XX/XXXX My complaint : Navy Federal Credit Union drafted my checking account for {$540.00} on XX/XX/XXXX for a debt in my sons charged off checking account. My son and I have a joint savings account with Navy Federal. My sons checking and savings account was charged off on XX/XX/XXXX. I called Navy Federal today to ask for my money to be returned to my checking account and why would my checking account be effected because of a debt that has nothing to do with me and the Navy federal customer service rep as well as the supervisor in the Charge Off Department repeatedly told me because I was a joint owner on the savings account which has a balance of {$0.00}, and the money was then transferred to the checking account owned by my son only, his previous balance was {$5000.00} after my checking account from drafted his balance now is XXXX. I took my son to the police station back in XXXX to file a police report about the his checking account being defrauded by someone else because he lost his ATM card, and a check was deposited into his checking account. I called them back for a second time today ( XX/XX/XXXX ) at about XXXX and they let me know we were on a recorded line and talked with the customer service rep and supervisor but this time I was told a whole different story that the debt was now in his savings accounts which I am a joint owner on, but the debt owed had been in his checking account from XX/XX/XXXX until today according to the supervisor in the Charge Off Department. All the correspondence about XXXX XXXX XXXX Navy Federal checking account came to XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX was only addressed to him not me. His savings account had and still has a balance of {$0.00} according to the customer service reps that I talked with on Saturday, XX/XX/XXXX and today at XXXX XXXX XX/XX/XXXX. The information didnt change until I started to asked them repeatedly how am I legally responsible for debt in an account that is not in my name. I didnt know this was legal for them to draft my checking account to pay a debt that is not in my name. I just want my {$540.00} put back into my checking account. If you need more information please see my contact information below.

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State/Zip: VA 234XX

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3052998

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