Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union for violating both the Electronic Fund Transfer Act ( Regulation E ) and the Fair Credit Reporting Act. Navy Federal closed my checking account with a negative balance of approximately {$3700.00} after I disputed multiple unauthorized XXXX program charges in late XXXX. I provided Navy Federal with supporting documentation, and they failed to conduct any proper investigation, failed to provide written results, and continued allowing repeated XXXX withdrawals even after my dispute all of which are clear Reg E violations. 
I was enrolled in the XXXX weekly rental program, where XXXX is supposed to pay XXXX directly for vehicle rental charges. Despite this, XXXX repeatedly billed my personal Navy Federal checking account. The invoices I am attaching ( XXXX, XXXX, and additional weeks ) show that : I returned the rental vehicle on time each week No damages, no surcharges, no extra charges were assessed XXXX issued multiple card authorizations that were duplicative The amounts charged do not match the negative balance Navy Federal claims I owe XXXX was involved in multiple class actions for double-billing XXXX drivers during this exact period I sent Navy Federal these receipts and opened a dispute. 
XXXX XXXX never responded, never completed a Reg E investigation, never restored provisional credit, never corrected the error, and then closed my checking account with a {$3700.00} negative balance that does not match any XXXX documentation. 

This negative balance is now blocking me from banking access, and Navy continues to maintain inaccurate internal reporting despite my dispute and my proof.

This is a systemic failure by Navy Federal to follow federal law : Regulation E Violations Failure to investigate within XXXX business days Failure to provide written results Failure to restore provisional credit Failure to correct unauthorized merchant charges Continuing to allow XXXX to withdraw funds AFTER notice of dispute FCRA Violations Continuing to maintain and furnish inaccurate information Failure to correct erroneous data after receiving evidence from me Treating a merchant billing error as a legitimate overdraft Closing my account and reporting an illegal balance XXXX has publicly admitted that XXXX rental program billing errors occurred nationwide during this period. My invoices match the same pattern, and Navy Federal ignored all my evidence and correspondence. 

Nothing justifies Navy Federal assigning me a {$3700.00} negative balance. 
The actual XXXX billing for the period shown in my invoices is approximately {$630.00} ( or {$1200.00} if duplicated charges occurred ). Navys numbers have no basis in any XXXX documentation. 

Navy Federals inaction and disregard of federal law directly caused : My account closure Negative reporting Loss of access to banking systems Ongoing financial harm I also contacted XXXX directly after the XXXX rental program ended to ask what balance I personally owed. XXXX informed me that my remaining balance was only {$77.00}. At no point did XXXX state or bill me for anything close to the {$3700.00} that Navy Federal posted to my account. Navy Federals amount is completely unexplained, unsupported, and conflicts directly with what XXXX told me and with the invoices I have attached. Navy Federal never provided any documentation showing how they arrived at {$3700.00}.

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