Consumer complaint received 2022-02-12
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello I am reporting an issue I am having with my bank. Navy Federal Credit Union. When all of this is over I will be leaving them because its been stressful talking to them and Ive never been through so much with a bank. So I had a situation where I was scammed out of {$410.00} at a repair shop called XXXX XXXX. ( This complaint is toward them as well if they can be included. ) I took my car to them on XX/XX/XXXX because my engine light came on. I took it to the local XXXX XXXX to get a diagnostic test before dropping off my car so I know whats wrong with it for myself. They gave me a list of codes. I called the repair shop and asked them to fix the problem which was a fuel leak. They agreed and I drop the car off for repairs. I have a XXXX XXXX XXXX. I go get my car and the engine light is off. I take the car home and after about 5 miles the engine light is back on. So the following Saturday I took it back to the shop because my car was not repaired. Me and the owner exchanged words I advised him that since they took my money and didnt fix my car they would be hearing from my bank and he said okay thats fine and asked me not to come back into his shop. The Saturday I left the car they held it for hours to call me back and say they cant fix it! Reached out to the bank that following week to do a dispute. Its XX/XX/XXXX and they have already closed my dispute. They asked me to get the car fixed correctly to help my case. I ask for time to do so the bank is telling me no and they will be taking the credit from me on the XXXX. I was only asking for time because I have to get my taxes first being that I dont have the money to fix a fuel leak on a XXXX at this time. I just started a new job making less money than I ever made after losing my job during the pandemic. Its like they dont want to work with me when Im the customer. When I first did the dispute I turned in receipts I turned in Invoices, I turned in whats wrong with my car, pics of my engine light being on, pics from XXXX XXXX diagnostic test as well and they are still closing my dispute!! Its very unfair when Ive never been a problem as a customer since Ive been with them .. they gave the merchant 4 months to respond to my dispute but wont give me time to get the car corrected to help my claim.. I even took the car to a shop and they told me that the prior shop only cut my engine light off and that they never repaired my car. They was able to look at my car and tell that it hadnt been repaired. Im not going to Lie Im going to be very honest Im broke. Im going through financial trouble due to the setback after the pandemic.. I went from making over XXXX an year plus small businesses I had going to now Im only making {$15.00} an hour at a doctors office. Im a honest woman if you look at my accounts I pay my tithes faithfully .. all Im asking my bank for is time cause XXXX dont have money no more. The repairs for my car for a shop to really fix it is about XXXX that I do not have until I get my income taxes and Ive explained this to my bank its like no we not working with you! Thats not fair to me as a customer! I just want time to fix my car! Please help me!

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