Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am submitting this complaint regarding a recently reported XXXXday late payment by Navy Federal Credit Union . I understand that the account technically became XX/XX/XXXX days past due ; however, I am requesting a higher-level review and reconsideration of the reporting based on the circumstances surrounding the delinquency and my longstanding positive relationship with the credit union . The payment due XX/XX/scrub> 2026 was actively being addressed before the account reached theXX/XX/XXXXday delinquency threshold. Multiple payment attempts were made prior to the account becoming XX/XX/XXXX days past due. Unfortunately, several of those payments were later reversed due to insufficient funds caused by unexpected automatic withdrawals and financial hardship occurring during that time period. Despite those reversals, I continued making payments in good faith and brought the account current shortly afterward. This was not a situation where the debt was ignored or abandoned, but rather a temporary financial and banking issue during an extremely difficult period in my life. I have otherwise maintained a positive relationship with Navy Federal Credit Union, including additional accounts and lending relationships, and this isolated late payment is the only recent derogatory mark on my credit profile. I previously submitted a goodwill request directly through Navy Federals messaging system requesting that the reporting be reconsidered or updated as paid as agreed/current ; however, I received a standard denial response without what appeared to be a detailed review of the surrounding circumstances. I respectfully request that Navy Federal conduct a higher-level discretionary review of this matter considering : the multiple good-faith payment attempts made before the XXXXday threshold, the temporary hardship involved, the relatively small remaining deficiency that crossed the threshold, my continued efforts to resolve the account, and my otherwise positive payment history and relationship with the institution. I am not disputing that the account ultimately became technically delinquent. I am respectfully requesting reconsideration and a discretionary goodwill adjustment based on the totality of the circumstances. The payment due was {$450.00} I was able to successfully make a {$350.00} payment before going past XX/XX/XXXXdays. As I stated in my Goodwill adjustment letter I sent, I have experienced financial abuse, currently out on workers comp for XXXX which means I can't pick up any overtime and I'm not allowed to work another job while on workers comp, the economic rising in cost of living as well as trying to provide for XXXX children. Please consider allowing me this XXXX time Goodwill adjustment. Thank you for your time and review.

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