Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I felt complaint with Navy Federal regarding XXXXXXXX XXXX XXXX  company I advise them that I spoke to someone at their facility early XXXX and indicated that I would be paying the full loan amount towards the end of the month and ask that they not charge my account since I was agreeing to pay the full balance I was told by their representative not to worry about it that I would not have to worry about them charging my account and to just go ahead and make the full balance payment. Come to find out not only did they charge my account one time but then they charged it a second time one for interest and one for a loan charge. So I filed a dispute with Navy Federal I also indicated that the payment was on the way and that I would furnish proof of the full payment once it was complete and I did that. XXXX Navy Federal just recently issued provisional credits and then I got an email today saying that they were recouping the credits as of XX/XX/XXXX the reason for the recoupment made 0 sense so I called and spoke with XXXX at XXXX a eastern time who indicated the same thing so she reached out to that department to get clarification and they indicated that I did not have proof of full payment. I have had to deal with constant shenanigans from Navy Federal every since filing a complaint previously for discrimination and now I'm being retaliated and discriminated against this denial made no good sense especially when there's clear and concise evidence of a full payment not only is there evidence of a full payment but it also indicates I overpaid and have a credit on the account which they have yet to return to me. Navy Federal is retaliating against me and discriminating against me by wrongfully denying claims with the excuse of me not showing evidence when I have clear and concise evidence of what I say. The very next time they do this to me I will be getting an attorney. They previously discriminated against my family member and client who is XXXX as well as myself. I was in complete duress and having extreme XXXX  dealing with this matter as I said at the doctor 's office waiting for imaging. I am distraught at the thought of having to continuously be attacked by Navy Federal and the fact that they have allowed this company to take my funds that are furnished by social security XXXX. This is unacceptable on many levels and they are out of compliance. Navy Federal owes me the formal apology, when I advised of this I was told that Navy Federal said that I need to email them inside the customer portal to request an apology from them for this error. This is despicable and the shenanigans are unbelievable coming from Navy Federal. Navy federal 's behavior is not representative of the military or what it stands for. They have continued to have discriminatory and retaliative behavior against people of XXXX and absolutely nothing has been done about it but one thing I will say is I will take action and that is not a threat that is a promise. I'm a XXXX XXXX patient receiving SSXXXXI who is both physically and mentally challenged I should not have to deal with being discriminated against or retaliated against by a bank and have to fight for the funds that I have worked for that are given to me by the social security XXXX XXXX office. Navy Federal has continued to cause me an abundance of distress and XXXX  and prohibit me from being able to financially support the necessities to help me deal with my medical physical and mental complications and that is a violation of my rights both Ada and constitutional. I asked that you take action against this organization how many times do they get to violate one 's rights before anybody will do something about it. Like many other organizations they are taking advantage of the fact that we have a corrupt administration in office at this time but all bad things will not last, and there will come a time when they will have to answer. As sick as I feel I will never stop fighting against those that continue to violate me and violate my rights in my ability to live.

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