Checking or savings account -- Managing an account -- Complaint #5321667
Complaint Overview
Complaint ID: 5321667
Company: Navy Federal Credit Union
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Funds not handled or disbursed as instructed
State: North Carolina
ZIP Code: 28443
Date Received: 2022-03-14T12:00:00-05:00
Date Sent to Company: 2022-03-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, I made a purchased with a merchant XXXX The initial amount was for {$150.00} on XX/XX/XXXX up to a year and was withdrawn up to {$2100.00}. Due to Covid money had to be refunded for purchased trips ( cruise/week certificate ). I was told that I would loose my certificates if I requested a refund for the cruise first. I was alright with that, but they gave me a hard time to where I had to get the credit card company involved. Also, prior to that they canceled my insurance for that trip without telling me, charged me for another one that cost more, then closed the account I am reporting telling me that they are no longer part of XXXXXXXX XXXX. I explained to them that I paid for a service that I have not been able to use and it's good u til XXXX. The service consist of getting hotel rooms, rental cars etc. I had to argue them down to get my account back up and running around XXXX or XXXX of XXXX. After I received my payment back from trips and my insurance for the trips middle of XX/XX/XXXX, they had to disable my account because it doesn't allow me to reset my password. Now Navy Federal Credit Union telling me that it's been too long and they can't assist me. I didn't know they were going to take the service away from me. I had it this long haven't used it because of the pandemic and they closed my account for retaliation. I don't have money to give anyone and don't get the service. I paid for a service and have been denied usage. I feel like the both the bank and merchant are the same and make me not want to trust the XXXX XXXX
Frequently Asked Questions
What is Complaint #5321667 about?
Complaint #5321667 was filed against Navy Federal Credit Union regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2022-03-14T12:00:00-05:00.
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.