Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Nav Technologies, Inc.
State: CA

Complaint narrative:
Nav Customer Care, Thank you for your response. After reviewing your message, I need to formally correct the record, clarify disability-related accommodation issues, and address several factual inaccuracies.

1. Disability Accommodation Was Never Addressed You state that certain actions could only be handled by phone. I am a documented
special needs individual with neurological impairments that make adversarial or time-pressured phone communication difficult and medically harmful. I repeatedly communicated this and requested a reasonable non-phone accommodation ( written communication ), which is required under the Americans with Disabilities Act ( ADA ).

Instead of accommodating, Nav imposed a communication method that I am medically unable to perform, then treated my inability to make a phone call as non-cooperation. That is not a neutral policy ; it is a disability-based communication barrier.

2. Identity Verification Claim is Factually Incomplete Your message states I did not provide requested verification documents. This is incorrect. I submitted my government ID and selfie during a prior Nav verification flow months earlier, which you already know because I was approved for the Nav XXXX Charge Card and Business Checking. Nav had verified my identity before issuing regulated financial products and allowing account funding.

If Nav determined that verification was now insufficient, it was never explained why previous verification was accepted for issuance but suddenly inadequate for basic account access. 

XXXX. Account Freeze and Funds Withholding Lacked Clear Basis Your letter states my checking account was frozen after an internal review but provides no reason code, triggering condition, or compliance basis. Freezing funds without a stated reason, then requiring a phone call as the only path to resolutioneven after being informed of disabilityconstitutes both : An adverse action without a documented regulatory justification, and A preventable barrier that placed undue hardship on a XXXX individual. 

XXXX. The Subscription Closure Narrative Is Misleading Your message frames the failed verification as a result of my failure to subscribe or maintain payment. That is incorrect and inconsistent : You verified me before issuing financial products. 

You froze access after I was already verified. 

You refused to unfreeze access without a phone call, despite XXXX notice. 

You then sent me in circles financially ( subscription, non-subscription, etc. ) without providing a written compliance path. 

Stating that a new subscription was not required after the fact only shows how unclear and inaccessible the process was for someone who requested accommodation.

5. Closure, Disbursement, and Returned Funds I acknowledge that the account has been closed ; however, my preferred disbursement method is XXXX transfer to the bank account on file, not a paper check. Further, Nav indicated on XX/XX/year> that a check had been mailed, yet more than a month has elapsed with no check received at my verified business address. The situation forced me to abandon the account and request closure instead of being offered a written identity verification accommodation, which underscores the preventable accessibility issue at the center of this matter. 

Requested Next Steps To resolve this matter fully, I need the following in writing : The exact regulatory or compliance basis for the account freeze, including : The triggering condition, The applicable compliance framework ( e.g., XXXX XXXX fraud review, KYC ), and Why previously accepted KYC verification became insufficient. 

An explanation of why no XXXX accommodation was provided after being informed of XXXX and inability to use phone-based support. 

Confirmation that Nav will not treat refusal or inability to communicate by phone as non-cooperation where medically documented XXXX exists. 

This is not adversarialthese are standard compliance disclosures and XXXX obligations. 

I appreciate that the refund and account closure are being processed. However, accurate recordkeeping and XXXX compliance require clarity so that no further harm occurs and the situation does not repeat with other XXXX consumers. 

I look forward to your written response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation