Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
First misrepresentation of XXXX benefits for XXXX Rewards Credit card to start. To start, I applied for an NFCU XXXX Rewards Visa card and was approved. Here 's the issue with this card from the beginning. I applied in XX/XX/XXXX and was approved for only a {$500.00} credit limit when it opened when the requirements for this card was a minimum of {$5000.00} when approved. How this became an issue was that when I reached my XXXX mark to apply for a credit limit increase and applied in XX/XX/XXXX at the 6 months mark a few days after, I wasn't approved because of this situation I'm going to explain. Some representative caught his limit for {$500.00} XXXX months later and brought it to the attention of the underwriters who at that time gave me a {$5000.00} increase in XX/XX/XXXX. This started the XXXX mark when it should have been in XX/XX/XXXX. The issue was when I really needed the increase in XX/XX/XXXX I was denied because of this timing mishap. My credit when I applied at the time was over XXXX and payment history was excellent. NO negative remarks on my report. I applied due to an emergency request for funds for international extension and personal bills etc. I applied for XXXX types of increases which were a Credit limit, personal loan and another manual verification all with thin the same day and week was all denied. I brought this to NFCU attention about the timing mishap of my initial increase in which this case was even brought to upper management 's attention to still be denied. I was totally misinformed about receiving a hard inquiry for each applied increase and therefore felt totally misled that I had XXXX additional inquiries within that week or XXXX for just these increases. I had no clue that XXXX company could pull an inquiry within 30 days for the same increases. This has caused my credit report to now have XXXX inquiries on my report when only initially having XXXX very upsetting as I didn't want additional inquiries from the same bank on my XXXX report. Second, I most recently travelled overseas for XXXX months to XXXX XXXX. While there a few issues have arisen due to NFCU misrepresentation travel benefits. I don't know if I could classify this as misrepresentation but here 's what occurred. First I was not able to use my NFCU credit card or Debit card while overseas for payment at any facility and even couldn't withdraw cash from the ATM from NFCU cards or use tap and pay anywhere. I had no choice but to withdraw from ATM from another digital banks debit card and i had to first transfer money from my NFCU to a different account then transfer to another debit card just to pull from ATM. So, I would be basically stuck if those were my only cards to use while international. Next, I had a slip and fall injury at the hotel where I was staying and that wasn't covered under my Visa Signature benefits. I also lost a large sum of money while overseas and that was also not covered under these benefits. I spoke with multiple reps regarding this matter and ultimately did get some support for overdraft protection up to {$500.00} and a couple of credits total {$300.00} towards my bill and annual fee but feel like NFCU didn't really get the full scope of the situation in which really the credit limit increase was my relief and travel benefits could have been of full support when in an emergency travelling internationally. I also broke my phone and lost financial contacts to try and fix this and restore my phone which could not have been restored overseas and could not get any support from NFCU to remedy this. Fast forward, I am now XXXX inquiries in on my credit report, Overdue overdraft checking account in collections, all denied applications from NFCU for increases and no possible claims open for travel benefits for injuries and lost cash that the Signature does not cover. They have records of all of this.

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