Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union Attn : Dispute Department Subject : Dispute of Unauthorized Charges Accounts Involved : Business Checking ending in XXXX & Business Credit Card ending in XXXX Dear Navy Federal Credit Union Dispute Team, I am writing to formally request that Navy Federal reopen and thoroughly review a dispute involving multiple transactions related to my apparel business, launched in XX/XX/year>. 
Due to the urgency of launching the business, I initially used my Navy Federal business checking account to make payments to a vendor. Once I received my business credit card, the vendor agreed to refund the checking account transactions and reprocess the charges through my credit card instead. However, despite this agreement, the vendor never issued refunds.

I followed up numerous times with Navy Federal to check for incoming refunds, but I was repeatedly informed that no such refunds had been received. Meanwhile, I received only XXXX invoices {$450.00} for a website and {$35.00} for a logoand XXXX product samples ( XXXX shirts and XXXX hoodies ) that were of very poor quality and did not meet my business requirements. For example, the logo was missing from the neck tag, and the ink quality was below standard. 
Despite multiple attempts to reach the vendor for a refund and resolution, I was unsuccessful. I later discovered that the vendor had reprocessed the same charges to my Navy Federal credit card without refunding my checking accountessentially double-billing me for undelivered or defective products and services. Many of these charges were never supported by valid invoices or records, further raising concerns about the legitimacy of the vendor 's actions. 
________________________________________ Summary of Disputed Transactions Business Checking Account Ending in XXXX {$35.00} Logo ( refunded by bank ) {$450.00} Website ( refunded by bank ) {$1800.00} Shirts & hoodies ( {$750.00} shirts, {$900.00} hoodies, {$240.00} copyright ) {$380.00} Domain registration Total : {$2200.00} To be charged back Vendor agreed to a refund but failed to do so Poor-quality products or services were not delivered Business Credit Card Ending in XXXX {$31.00} Unknown charge {$1800.00} Shirts, hoodies, and copyright ( reprocessed ) {$1000.00} Additional services/products ( reprocessed ) {$600.00} Prepaid postage {$600.00} Long womens dress shirts {$900.00} XXXX & XXXX marketing Total : {$5000.00} To be charged back Reprocessed charges were never backed by product delivery or documentation Duplicate billing and non-performance ________________________________________ This clear pattern of unauthorized billing, unfulfilled promises, and non-delivery of goods strongly indicates fraud. The vendors agreement to refund the original payments, followed by reprocessing on the credit card without refund, further supports this claim. 
Due to these unresolved losses, I was ultimately forced to shut down my business. I respectfully request that Navy Federal reopen this dispute and issue chargebacks for the affected transactions. I have attached relevant documentation, including transaction records and communications. A police report is also being filed and will be provided upon request. 
Thank you for your prompt attention to this matter. Please contact me at ( XXXX ) XXXX or XXXX if additional information is required. 

Sincerely, XXXX XXXX

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