Credit card or prepaid card -- Incorrect information on your report -- Complaint #7064184
Complaint Overview
Complaint ID: 7064184
Company: Navy Federal Credit Union
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Georgia
ZIP Code: XXXXX
Date Received: 2023-06-02T12:00:00-05:00
Date Sent to Company: 2023-06-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I CURRENT, HAVE A CREDIT CARD WITH NAVY FEDERAL, FOR ABOUT 1 YEAR NOW. I HAVE NEVER MISSED ANY PAYMENTS, THE DUE DATE FOR MY PAYMENTS ARE ON THE XXXX OF EVERY MONTH. ON XX/XX/XXXX, I CALLED IN TO THEIR CUSTOMER SERVICE DEPARTMENT TO MAKE A PAYMENT OVER THE PHONE, WHICH THEY ACCEPTED ... FOUR DAYS LATER, I WAS TOLD BY NAVY FEDERAL THAT MY PAYMENT WAS REJECTED BECAUSE I WAS USING AN EXTERNAL BANK ACCOUNT, SO I WOULD NEED TO USE THEIR RECOMMENDED 3RD PARTY ( XXXX ) TO MAKE THE PAYMENT - WHICH I DID AND THE PAYMENT WAS MADE FOR {$94.00} DOLLARS ON XX/XX/XXXX. XXXX SENT IN A CHECK FOR {$20.00} DOLLARS WHICH NAVY FEDERAL USE TO CREDIT MY ACCOUNT, BUT I HAVE NO CLUE WHAT HAPPENED TO THE REMAINING {$74.00} DOLLARS. i JUST CHECKED MY CEDIT REPORT AND NOTICED NAVY FEDERAL REPORTED ME 30 DAYS LATE FOR MISSED PAYMENT FOR THE MONTH OF XXXX, WHICH LOWERED MY CREDIT SCORE BY XXXX POINTS. WHEN I CALLED UP TO NAVY FEDERAL AND SPOKE TO SEVERAL REPS, THEY ALL CONFIRMED THEY SAW WHERE I MADE THE PAYMENT ON THE XXXX & ON THE XXXX BUT THEY DON'T UNDERSTAND WHY ONLY {$20.00} DOLLARS WAS CREDITED TO MY ACCOUNT.
Frequently Asked Questions
What is Complaint #7064184 about?
Complaint #7064184 was filed against Navy Federal Credit Union regarding Credit card or prepaid card specifically about Incorrect information on your report. It was received by the CFPB on 2023-06-02T12:00:00-05:00.
How did Navy Federal Credit Union respond to this complaint?
The company responded with: "Closed with non-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 (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.