Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
This has happened 3 times, navy federal credit union has double processed payments whenever i got a deposit from my rookie and charged the pending charges a second time then once posted the charges showed they were taken on the date the actual purchase was made so it looked as if there was only one charge for that payment. When i called everytime they kept asking exactly what charges so they could take it from the businesses i purchased from and i explained i dont want the money i spent with them back they werent the ones over charging me etc its the bank system. My navy federal shows accurate balance when i make any and all purchases no matter what says pending it takes it off my available balance everytime ( i do not have a credit card with them ) So i can see whatever is in my account and it wont even aite a payment to go through if i didnt have the actual funds! Therefore i spent my actual hard earned money for each of those payments ive never taken out a loan of any kind might i add. Theres no proof of the double processing my payments because as i said once the pending charges posted it hides them by rearranging the statements so it looks accurate. Also i even called each business the second time this happened and asked when did their system usually process payments and all of them confirmed if not immediately the next day. My pending charges are always there for XXXX weeks! So when they tried to blame the companies i told them exactly that. Also when this happens and i have a lot of pending charges ( that were already deducted from my account ) as soon as i get my check deposited they magically all posted immediately & account was left near {$0.00} to where they basically stole my entire check. Usually happens when im on vacation, the last incident left me stuck in another state for 2 extra days because my freshly deposited check was gone. I dont remember the dates each time this happened butit was twice in XXXX & twice in XXXX each time i called to get my money back from them ( NFCU ) they were trying to wrongfully dispute charges with companies i had actually gotten serviced from and thats WRONG. My checks were between XXXX each time it happened and i still had money in my account ( checking and savings ) only for when it dropped in my account to be taken from my checkings & they even pulled from My savings immediately to cover all the double processed payments. Not to mention where i live there is no NFCU bank here only ATMs so i wasnt able to go in and speak with them in person. I have XXXX children under XXXX and this caused us having too ask multiple family members for money until we could pay them back. I have never owed this bank any money and again its noway theyd let me make a payment if i didnt have the money, ive had my card decline at stores for being just XXXX cent short on many occasions, now i just keep all my money in my savings pressing it doesnt happen again but as i said they will pull from my savings too if they decided to do it again. The people over the phone had even gotten attitudes with me over this. XXXX guy tried to make me feel XXXX by making me add everything on a calculator based off the automatic bank statements it made and the total came out negative over {$900.00} when my balance said XXXX so it never added up anyway, nothing made sense & of anything tried to make it like i had over drafted once we both added the charges up but their own system was saying i owed them nothing. Which is just more proof that their system makes it look like nothing is wrong, he also told me he could only see exactly what i was seeing on my screen so theyve even made it to where their employees see the same unremarkable charges .but of course why would they leave the proof there?

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