Consumer complaint received 2022-01-13
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid 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:
On XX/XX/XXXX Navy provided a reply regarding this dispute in response to my response to the requests made by Navy CU. 

Please keep the Requirements set forth by the Fair Credit Billing Act ( FCBA ) laying out consumers ' rights to dispute credit card issuers ' charges. 

Charges must be over {$50.00} to be eligible for dispute. 
They may be unauthorized, display an incorrect date or amount, or contain calculation errors. 
If a good or service was not delivered, that charge can be disputed. 

The card issuer has 30 days to acknowledge receipt of a complaint. They then have two billing cycles to complete their investigation ; during that time the issuer is not allowed to try to collect the payment, charge interest on it, or report it to credit bureaus as late. 

If the card issuer finds that the disputed payment was invalid, it must correct the error and refund any fees or interest charged as a result. If it finds there was no error, it must explain its findings and, upon request, provide documentation to back them up. 

I have not received any notice of any investigation has occurred, or the results of such investigation. If Navy did conduct an investigation, I once again request documentation to back up the findings. Please keep in mind the card issuer has 30 days to acknowledge receipt of a complaint. They then have two billing cycles to complete their investigation ; during that time the issuer is not allowed to try to collect the payment, charge interest on it, or report it to credit bureaus as late. To date, Navy has tried to collect payment for the amount in dispute and charged interest on it, violation FCBA statutes. 

Your reply as shown below failed to address my response to your request for documentation. Nowhere in the FCBA is there a provision requiring the consumer to provide the documentation requested. If such documentation existed there would be no dispute between myself and the merchant, which is my right to have investigated and charged back. 

My original reply provided the pertinent FCBA, XXXX, or XXXX dispute resolution guide requirements, and consumer rights. However, this seems to have been ignored yet again, as you are still asking for things that are not required, and had I such documentation there would not be a dispute between myself and the merchant. However, as there is a dispute I have invoked my rights under applicable laws when I submitted my original dispute, which is attached below. 

The key points are I invoke my rights under UCC 4214, issued 2002 to chargeback and refund this transaction. 
o Currently, these rights under this and other statutes are being violated by Navy. 
I requested a temporary credit if the dispute in question takes significant time to investigate. 
The dispute was according made per XXXX XXXX Reason Code 4831 or 4834 under the newest XXXX dispute resolution guide. 
o It indicates that the transaction amount wasn't what I, the cardholder agreed to. 
o These chargebacks are usually caused by a merchant failing to notify a customer of a change in the transaction amount. 
o When the conditions of a purchase change and the price is affected, merchants may sometimes make adjustments without first notifying the customer or seeking a new authorization approval. 
o When the cardholder is unaware of these adjustments and did not agree to pay the new amount, they have grounds to dispute the transaction. 
o In some circumstances, cardholders may be asked to approve a variable amount to be charged later. If the transaction exceeds the maximum amount they agreed to pay, they can dispute this charge on the basis that the overcharge was unreasonable. 

Attached are our correspondences thus far.

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