Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I have my over I have my overdraft fees turned off. I told Navy Federal when I created my account I do not want any overdraft fees. I declined. I opted out.I do not want overdraft fees yet my payment spinned like a week. I just submitted some payments back.Say XXXX XXXXThey didn't process.They didn't for for days and days and days and literally I just sent my my my child 's mom {$50.00} on XXXX XXXX and Navy federal is talking about oh, you didn't have the money to send this? How? How? I don't understand she has {$50.00} in her account.But you're telling me that my balance during that time was? Only $ XXXXBecause how y'all pin stuff and because.The themes finally processed after.Now you guys wan na say and then now I have payments but my bank is telling me that my available balance is XXXX but stuff that I already paid for is telling me like my my bank account is gon na be negative what XXXX dollars? I don't even have overdraft fees on. So now I got ta pay Navy Federal {$50.00} a dollar. And The thing is, I'm a veteran. I'm a retired, I'm a XXXXXXXX XXXX.So I get paid from the XXXX but that that money is barely enough to cover my bills and when I get paid my my money is always short because Navy federal is taking stuff because I literally pay my bills as soon as I get my check from the XXXX. I pay all my bills but it pins to the point where I calculate all my bills.And Navy Federal tells me that my math is wrong, but they pinned my stuff incorrectly.Like when I say pinned like they posted like my my stuff do not even go through. It takes so long for my stuff to go through and it's so frustrating because I'm literally in debt.Struggling to pay my stuff like and it's so hard.And Navy Federal, like, and there's no way I can fix this because again, I don't even have overdraft fees turned on. So, and, and it's like I'm putting these payments during the week so that they can have like they can post, but I don't even understand like how can I pay for something and I don't have the money. I don't understand that. I do not understand that. And then I do have the money, but they're telling me I don't have the money. So where is my money at? Where's my money? Navy Federal.And then now you're telling me not only did you take my money, because I guess you paid for it for me.But you're telling me I owe more than what I paid? The the math doesn't add up when I try to do this stuff and I've been going through this.Four years.Four years and I always argue with my bank. I always argue with my bank, like why, why, why? And I never get any answers. They just say that's just a system. They always blame me. They always laugh in my face, mock me.Like telling me that you know, I should do my finances better I they have financial services to help me budget better.I don't need a budget, I need y'all to process my payments at least within the first day or two. But say I make a payment on Wednesday, Thursday, Friday, Saturday, Sunday, maybe Monday.The payment goes through but it already went through, just not in my account. I paid for the services.The bank is now gon na charge me.Because apparently when I paid for those services or I sent somebody money, how can I send somebody money that I don't have? I don't understand.And and and and this is XXXX XXXX.I, I took money from my bank account, put it into my XXXX XXXX and sent it to somebody and and Navy Federal was telling me that when I did that that {$50.00} I seen in my account, I was delusional.And that I only had XXXX XXXX.OK.And this mess with my mental health.

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