Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Shalom CFPB staff, Below youll read some cut and paste letters that where sent to my bank within their phone application as well as some screenshots of other letter written to them inside said app. XXXX NFCU staff, You recent decision in telling me that I owe {$320.00} is a complete farce and nonsense. As I told the people at XXXX that I am simple not paying these young scammers because they have no couth. I told them many years times that if they did not listen to my words that we would not be in business together as they think since their schemes to get people loan money seems unrealistic and that if they failed to reach the goals that they outlined to me that everything told to me on the phone would be NULL & VOID. I told XXXX XXXX Bank would not do business with me and hes a XXXX for not listening. Attached is a letter from XXXX and I will not honor it as my account information is not the same. Whereas, if yall my bank disrespect me and pretend to honor this flaw business then we will XXXX ahead and file a report with the Consumer Financial Protection Bureau today explicitly outlining everything within my documents sent to this scamming XXXX XXXX Funding compnay who thinks they can strong arm people with deceitful practices and low class people. Truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. & XXXX XXXX XXXX XXXX XXXX I want to clarify your refund request and outline what actions were taken on your behalf. 1. Credit Profile Review & Decision to Proceed When you joined the program, your credit profile appeared strong enough to move forward with funding attempts. Although not every factor was ideal, we made the decision to proceed in good faith and give the applications a fair attempt rather than delaying the process. As always, final approval decisions are made by the lenders and are outside of our control. XXXX. Applications Have Already Been Submitted As part of the funding strategy provided, you submitted applications to several financial institutions, including : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX applications are submitted using our guidance, the consulting services related to lender selection, sequencing, and application strategy are considered delivered. Funding denials alone do not qualify for a refund under the terms of the agreement you signed. Please view the attached agreement you signed. 3. Refund Terms Under the Agreement Per the agreement you signed, refunds are only considered after three ( 3 ) full rounds of funding are completed within a twelve ( 12 ) month period and the required conditions are met. At this time : Only the initial round has been attempted Three full rounds have not been completed The refund guarantee has not been triggered For these reasons, a refund is not available at this stage under the agreement Agreement 4. XXXX Enrollment Your deposit was completed through XXXX, a third-party financing provider. As outlined in the agreement, any payment terms, interest, or repayment obligations related to XXXX are handled directly between you and XXXX and do not alter the service or refund provisions of your agreement. 5. Next Steps Your account remains active. Our next step would be to identify and implement additional strategies to further strengthen your credit profile, allow appropriate time between applications, and position you more favorably for the next funding round. If youd like, we can outline these strategies in detail and map out the best timing for moving forward. Please let us know how you would like to proceed. XXXX XXXX XXXX Email : XXXX Click here to schedule a meeting today!

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