Consumer complaint received 2023-10-03
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This complaint is against Navy Federal Credit Union ( N.F.C.U. ), I attest/affirm/swear all of the statements I am making including the multiple attachments I am submitting are 100 % directly tied into and connected to all of the statements and the 21 attachments of supporting documentation uploaded with CFPB complaint ( case ID : XXXX ). 

Attached is ( my wife 's ) XXXX XXXX XXXX claim dispute letter ( reversing their ruling and " ruling in favor of my wife '' and " not ruling in favor of the merchant XXXX XXXX XXXX ( XXXX ) XXXX  '', dated XX/XX/XXXX. ( Please open and read the attachment ). 

Attached is ( my wife 's ) XXXX XXXX XXXX claim dispute letter ( reversing their ruling and " ruling in favor of my wife '' and " not ruling in favor of the merchant International XXXX XXXX ( XXXX ) XXXX  '', dated XX/XX/XXXX. ( Please open and read the attachment ). 

Attached is ( my wife 's ) XXXX XXXX XXXX billing statement for the billing cycle from XXXX through XXXX. ( This XXXX XXXX XXXX billing statement depicts my wife 's credit card ( ending in # XXXX ) showing " the total amount of {$14000.00} being credited back to my wife 's credit card account and my wife receiving a full refund of all the monthly payments made to XXXX XXXX XXXX '' . ( Please open and read the attachment ). 

Attached is my XXXX XXXX XXXXXXXX XXXX contract ( contract # : XXXX ), where {$89000.00} was paid-in-full for this contract in XX/XX/XXXX. This contract entitles me, my wife, and our accompanying guests to receive multiple different types of services that are separate from the multiple different types of services received due to being compensated and the multiple different types of services received due to signing the new XXXX XXXX contract ( XXXX. # XXXX ), which is the contract we signed XX/XX/XXXXXXXX  and requested to be terminated. ( Please open and read both the XXXX XXXX contract ( XXXX. # XXXX ) and the XXXXXXXX XXXX XXXX XXXX contract ( # : XXXX ) and the XXXX definitive membership certificate, and the paid-in-full letter, dated XX/XX/XXXX ). 

Attached are 4 financial institutions ( i.e. XXXX  XXXX XXXX, XXXX ( for my account ), XXXX XXXX  & N.F.C.U. ) claim dispute letters depicting all 4 of these financial institutions " ruling in my favor '' or " ruling in my wife 's favor '', with the exception of one claim dispute, which was N.F.C.U. 's claim dispute of XXXX ( claim # : XXXX ). 

All of the attached documents depict a combined total of {$82000.00} of multiple financial institution claim disputes against the merchant XXXX XXXX XXXX ( XXXX ) XXXX  for the exact same reason ( which was the merchant XXXX XXXX XXXX ( XXXX ) XXXX  not honoring our request to terminate the XXXX XXXX  contract ( XXXX. # XXXX while I, my wife & our accompanying guest were still present at the resort from XXXX XXXX XXXX to include after we arrived back in the U.S from XX/XX/XXXX through XX/XX/XXXX ). 

All 4 of the financial institutions received the exact same supporting documentation for all of the claim disputes, however, only {$77000.00} in the claim disputes was ruled in my favor or in my wife 's favor and N.F.C.U. is the only financial institution that ruled my claim dispute of {$5000.00} ( claim # : XXXX ) in favor of the merchant XXXX XXXX XXXX ( XXXX ) XXXX. 

How is this possible? I understand N.F.C.U. 's explanation of the extensive process and procedures N.F.C.U. went through to determine their ruling, however, when presented with the ruling outcome of other financial institutions who made their ruling based on having the exact same supporting documentation N.F.C.U. had. How can N.F.C.U. continue to stand on their ruling and how can N.F.C.U. continue to attempt to justify their ruling, especially after overwhelming facts has been clearly presented and brought to N.F.C.U. 's attention?

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