Checking or savings account -- Problem caused by your funds being low -- Complaint #11049011
Complaint Overview
Complaint ID: 11049011
Company: Navy Federal Credit Union
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Non-sufficient funds and associated fees
State: Virginia
ZIP Code: 20147
Date Received: 2024-12-05T12:00:00-05:00
Date Sent to Company: 2024-12-05T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was assessed a return check fee of {$29.00} on XX/XX/XXXX & again on XX/XX/XXXX. My statement reflects that the funds were available. The one in XXXX was for a {$1.00} pending charge that was just a verification that my account was active. Yes, a {$29.00} fee for a pending {$1.00} charge. My account balance at the time reflected {$1600.00} available balance. The instance in XXXX was for {$220.00} and my available balance reflected {$280.00}. I requested they refund the fees and was refuses without any further explanation than their system shows the funds weren't available. I requested it be escalated and reviewed again stating that this would cause me to close my account. They never responded again.
Frequently Asked Questions
What is Complaint #11049011 about?
Complaint #11049011 was filed against Navy Federal Credit Union regarding Checking or savings account specifically about Problem caused by your funds being low. It was received by the CFPB on 2024-12-05T12:00:00-05:00.
How did Navy Federal Credit Union respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Navy Federal Credit Union?
Yes, visit the Navy Federal Credit Union company profile at readthecomplaint.com/company/navy-federal-credit-union to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.