Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Navy Federal Credit Union Credit Card Division Billing Inquiries / Billing Error Notice XXXX. XXXX XXXX XXXX, VA XXXX Re : NOTICE OF BILLING ERROR / REQUEST FOR INVESTIGATION AND PROVISIONAL CREDIT Navy Federal More Rewards XXXX XXXX Account ending in [ XXXX ] Statement Closing Date : XX/XX/year> Total Amount in Dispute : {$6000.00} CC : Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern : This letter serves as my WRITTEN NOTICE OF BILLING ERROR under the Fair Credit Billing Act ( FCBA ) and Regulation Z ( 12 C.F.R. 1026.13 ) regarding the above-referenced Navy Federal credit card account.

I am disputing the following transactions as billing errors. I previously reported these items through Navy Federals dispute process and received the confirmation numbers listed below. 

DISPUTED TRANSACTIONS ( Merchant : PP * XXXX & XXXX ) : XXXX ) Transaction date : XX/XX/year> | Post date : XX/XX/year> Reference No. : XXXX Amount : {$2500.00} Disputed on : XX/XX/year> NFCU Confirmation : XXXX XXXX ) Transaction date : XX/XX/year> | Post date : XX/XX/year> Reference No. : XXXX Amount : {$2000.00} Disputed on : XX/XX/year> NFCU Confirmation : XXXX XXXX ) Transaction date : XX/XX/year> | Post date : XX/XX/year> Reference No. : XXXX Amount : {$1500.00} Disputed on : XX/XX/year> NFCU Confirmation : XXXX TOTAL AMOUNT IN DISPUTE : {$6000.00} REQUESTED ACTIONS/ EXPECTED HANDLING DURING INVESTIGATION XXXX ) Written acknowledgement and case status Please acknowledge this written billing error notice and confirm in writing that each of the above transactions is under active investigation, including the current status of each case and the anticipated resolution timeline. 

XXXX ) No collection activity or adverse reporting on the disputed amount My XX/XX/year> statement reflects that payment of the amount in dispute ( {$6000.00} ) is not required. Please confirm in writing that Navy Federal will not attempt to collect the disputed amount, assess late fees or penalty pricing based on the disputed amount, or report the disputed amount as delinquent to any credit reporting agency while your investigation is pending. 

XXXX ) Provisional/temporary credit and correction of related fees/interest Although I understand issuers may differ in their internal dispute procedures, I am requesting that Navy Federal provide a provisional/temporary credit for the {$6000.00} disputed amount and for any related fees and interest charges while the dispute is investigated ( so that my account balance and available credit are not harmed by the disputed items ). 

For context, other major issuers commonly provide temporary credits for the disputed transaction ( XXXX ) and related fees/interest while the merchant is contacted and the dispute is investigated. I am requesting the same treatment here. 

XXXX ) Reversal of interest currently assessed My XX/XX/year> statement includes an interest charge of {$10.00}. Because the disputes were timely submitted ( no later than XX/XX/year> ) and the {$6000.00} is currently in dispute, I am requesting that Navy Federal reverse/credit the {$10.00} interest and ensure that no additional finance charges or fees are assessed as a result of the disputed transactions during the investigation.

If Navy Federal contends the {$10.00} is not related to the disputed transactions, please explain in writing how it was calculated and confirm how/when any interest and fees attributable to the disputed transactions will be credited back if the dispute is resolved in my favor.

5 ) Documentation request if any item is deemed valid If Navy Federal or the merchant contends that any of these charges are valid, please provide the supporting documentation relied upon to reach that conclusion ( including any merchant response, proof of authorization, delivery/fulfillment records, and any other evidence used to validate the transaction ), and identify any additional information you need from me to complete your investigation.

Please send all correspondence to me in writing at the address above and/or to my email listed above. If you need to contact me by phone, you XXXX call me, but I request that any requests for additional documentation be provided in writing as well. 

Thank you.

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