Credit card or prepaid card -- Problem when making payments -- Complaint #6066806
Complaint Overview
Complaint ID: 6066806
Company: Navy Federal Credit Union
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Virginia
ZIP Code: 22150
Date Received: 2022-10-09T12:00:00-05:00
Date Sent to Company: 2022-10-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My husband ( XXXX XXXX ) and I ( XXXX XXXX ) opened a Navy Federal More Rewards XXXX XXXX XX/XX/2022 it had been set up by us for reoccurring statements. The bill was paid automatically every month without any late or incomplete statements. Every bill was paid in full each month. The bill due on XX/XX/XXXX was not paid. The bill was for {$460.00}. I called Navy Federal on XX/XX/2022 at XXXX ( when I was first notified that the bill had not been paid ) to inquire as to what the issue was " the system did not make the transfer ''. XXXX our representative called the " Advanced Team '' to find out more, and I was told " they would research it. '' And that was all that wound happen. If I wanted to speak with anyone else about it, I would need to email a complaint to a complaints email. I then spoke with XXXX XXXX who stated that more research would have to be done on why this occurred. Because our checking and savings are Navy Federal, when logging into Navy Federal to have access to our money, all that shows is " your account is delinquent '' in huge red letters and a huge " Pay now '' button with no other way to access my account. There was also no option view the statement and I was told by XXXX " I will mail it to you. '' I feel that my money is being held hostage and I am concerned about how this late payment will impact my credit score, I am concerned that Navy Federal does not notify customers of late payments prior to logging in ( no email was sent, no call was made, no letter was sent, I even went to the bank on Friday and the teller did not let me know ). I am concerned that I can not access my money. I am concerned that I was asked to {$460.00} without being given access to any documentation or reason why this was unpaid, and without being shown a statement. The attached image is what shows up upon logging in to Navy Federal, instead of our accounts page.
Frequently Asked Questions
What is Complaint #6066806 about?
Complaint #6066806 was filed against Navy Federal Credit Union regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2022-10-09T12:00:00-05:00.
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 (Credit card or prepaid card) 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.