Checking or savings account -- Managing an account -- Complaint #4816749
Complaint Overview
Complaint ID: 4816749
Company: Navy Federal Credit Union
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem accessing account
State: Missouri
ZIP Code: 63118
Date Received: 2021-10-17T12:00:00-05:00
Date Sent to Company: 2021-10-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On Thursday, XX/XX/2021 I had an issue where I could not access my checking account transactions online or through the mobile app. I was able to log in and reveiew transactions for all of my connected accounts except for my account ending in XXXX. On Friday, XX/XX/XXXX, I sent a message throught the mobile app inquiring about what I was experiencing. I explained that I wasn't only experiencing this through the mobile app, but also when I logged in online. I sent screenshots of what I was experiencing. On Saturday, XX/XX/2021 I received the following repsonse : " Thank you for using Navy Federal 's eMessaging Service, XXXX XXXX. Navy Federal Online Banking is designed to reflect up to a certain number of transactional entries. For most members, this limit is sufficient to cover all transactions that are completed ; however, you exceeded the allowable data limit that can be reflected within Online Banking. You will be able to see your transactions again once your statement is generated unless the data limit is exceeded again. The Available Balance listed on the main screen is correct. If you have further questions, please let us know. '' I then responded on Sunday, XX/XX/2021 that should be no way that I should not be able to review any of my transactions prior to the statement date and that I have never heard of such a thing as Navy Federal is the only financial institution that I have experienced such a thing with. Whomever responded then stated that Navy has designed their system to only reflect up to a certain number of transactions within a statement cycle and to them this is sufficient for most members. Navy Federal doesn't mention this in any of their member documents or account policy documents.
Frequently Asked Questions
What is Complaint #4816749 about?
Complaint #4816749 was filed against Navy Federal Credit Union regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2021-10-17T12:00:00-05:00.
How did Navy Federal Credit Union respond to this complaint?
The company responded with: "Closed with explanation". 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.