Navy Federal Credit Union [NFCU] review: Unusual debit charge, unanswered fraud claim

Trying to resolve this unusual debit charge with Navy Federal has been exhausting. Within 60 days, I reported a card-not-present transaction made over the phone for more than $4,000 at Joe Cooper Ford in Shawnee, Oklahoma — about 10 hours away in another state. The dealership told me it had no record of an authorization attempt. Navy Federal denied my claim after repeated correspondence and appeals, but would not clearly explain what evidence supported the decision, saying the reasoning was sensitive. I felt blamed instead of helped, and still do not know how the authorization issue was assessed.