Consumer complaint received 2023-10-30
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Septemeber XXXX, XXXX I purchased an oil change, an a Tune-up from XXXX on XXXX XXXX XXXX in XXXX Tx XXXX When drivin my vechile I noticed not only was the light i went in for was still on the next day XXXX. But it was always still doin and acting the Same way I took it to them. I immediately called XXXX to report my concern. I was told to take to SOMEBODY else s XXXX. So I called Navy Federal to have my funds of {$770.00} returned back to me cause I paid with No problem, when in Fact XXXX DIdnt Even Preform the Service AT All. After I was temopary refunded my {$770.00} thru Navy Federal, I then called a Mobile Mechanic called XXXX XXXX. They cameout to my home on XXXX. I hired them to actually see if I had gotten what I gladly paid at XXXX to get the tuneup, I allowed the mechanic to preform A diagnostic on my XXXX XXXX XXXX, to confirm or NOt whether I got a tune-up from XXXX. I also Didnt mention I took it to anyone previously, so I could get a honest answer. The mechanic completed the diagnostic, An the tune-up was listed on the diadnostic report, which indicates XXXX didnt DO the job or service I paid for on XXXX. Ofcoarse now with Navy Federal reviewed the dispute of the {$770.00}. And went in favor for XXXX, Navy federal emailed me stating the claim is Resolved they said, we have investigated your debit card claim {$770.00} against XXXX XXXXXXXX XXXX We found that no error occurred and Navy federal was unable to process in my favor. Now Navy Federal is trying to retain my XXXX direct desposit for the ammont of {$770.00}. Which now my checkin account is negative- {$750.00} which has cause many financal problems for my house, it also means when my XXXX money desposit on the Directly on XXXX Navy Federal will Take! I VERY distraught about this matter. For one I have no problem paying for anything, Second I not PLEASED to be connect with a Financal Company that allows people to be COMPLETLY ROBBED of All thier fianances for the Month to pay XXXX, When clearly They didnt preform my Service that I went in for on XXXX which was the Tune-up. I also Had to Take to another mechanic to get a tune-up preformed. When commuincating abot this matter OR any matter concerning my Financal REquest it sees That NAVY federal, it belligerent, NOT helpful, AN they CREAt financal issue in my account an when you try communicating Navy federal will hang up, refuse to give you info About my Accounts an money. This very disturbing an stressfulto me an my family. Ive sent reciepts after receipt An it seems to me Navy federal is Not actually taking the time to REVIEW my documents I sent or THey are just AND UNJUSTICE FINANCAL COMPANY. PLEASE HELP. I also when see on my account that I was negativ ein my account I went up to NAVY federal to speak in person about matter XXXX An also to resubmitt documents to support my claim but with a Navy Federal employee. The Manger name was XXXX XXXX she sat down with me to submitt 1 NEW reciept to the Dispute department that they say is not there at location.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation