Complaints

This profile includes complaints for Navigator Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Navigator Credit Union

  6012 Highway 63 Moss Point, MS 39563-9534

• 

  Navigator Credit Union

  7301 Highway 614 Ste H Hurley, MS 39562-6387

• 

  Navigator Credit Union

  1950 Government St Mobile, AL 36606-1634

• 

  Navigator Credit Union

  2515 Schillinger Road South Mobile, AL 36695

• 

  Navigator Credit Union

  PO Box 1647 Pascagoula, MS 39568-1647

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/01/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to notify you of a fraudulent account that has been opened in my name with Navigator Credit Union. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent ******************************** Name: Navigator Credit Union Opened Date: 11/1/2013 Account Number: *****************High **********************: $41.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter.

  Business Response

  Date: 04/01/2025

  Our credit union made multiple attempts to reach Ms. ****** but the phone number provided is not a working number.  We are unable to research this matter further unless Ms. ****** can contact our credit union directly to provide additional information.  Thank you.

• Initial Complaint

  Date:03/29/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently reviewed my credit report and discovered an incorrect entry associated with Navigator Credit Union (Navigator CU). The details of the error are as follows:Creditor Name: Navigator CU Date Reported: 02/02/2017 Account Number: *****************This account does not belong to me, and I have no prior knowledge of any transactions or agreements with Navigator CU. I am concerned that this inaccurate information is negatively impacting my credit score and financial standing.I have attempted to contact Navigator CU to resolve this matter, but I have not received a satisfactory response. I am requesting that this incorrect entry be investigated and promptly removed from my credit report.I appreciate your assistance in resolving this dispute. Please let me know if you require any additional information.

  Business Response

  Date: 04/01/2025

  Our Credit Union has made multiple attempts to contact the individual at the number listed on the complaint and the number is "not in service".  There is also no email address listed.  The Credit Union is unable to offer further assistance without being able to contact the individual.

• Initial Complaint

  Date:01/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dear Better Business Bureau,I am writing to request your assistance in resolving an issue regarding fraudulent accounts on my ********************** report. I am a victim of identity theft, and there are accounts reported under my name that I did not open or authorize. Despite my efforts to address this matter with the relevant parties, it remains unresolved.The fraudulent accounts are as ******************************** Name: NAVIGATOR CU Opened Date: December 2, 2016 Account Number: ***************************************** Name: ********************** CU Opened Date: November 2, 2012 Account Number: *****************These accounts were not opened by me, and I am requesting their removal from my credit report. I have reported the identity theft to ***************** and have provided documentation to the credit reporting agencies; however, further assistance is required to resolve this issue.Under the Fair Credit Reporting Act (FCRA), I have the right to dispute inaccurate or fraudulent information on my credit report and have it corrected or removed. I kindly request the BBBs assistance in facilitating communication with the creditor or reporting agencies to expedite the removal of these accounts.

  Business Response

  Date: 02/10/2025

  Navigator management needs further information from Mr. ******* in order to research/understand the what it being disputed.  Navigator made attempts to contact the member at the contact email and phone number provided on 01.17.2025.  The phone number did not allow for VM and as of this date no response to our email was given.  The accounts reference are from several years ago and it is difficult to ascertain what specifically is being disputed.  We cannot offer any further assistance until contact is made, thank you. 

• Initial Complaint

  Date:09/17/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint against NAVIGATOR CREDIT UNION for reporting inaccurate or derogatory information on my credit report, which is a violation of my rights under the Fair Credit Reporting Act (FCRA).According to 15 USC 1611, it is unlawful to knowingly and willfully furnish false information regarding a consumer's credit report. The derogatory account on my ********************** report is inaccurate and does not reflect my current credit situation. Moreover, under Section 617 of the ****, consumers have the right to dispute inaccurate information and expect timely removal or correction of this information by the reporting agency. Despite my previous attempts to dispute this account directly with the creditor and the credit bureaus, the derogatory information remains on my report, causing significant damage to my creditworthiness. Account#: ************ As per ********** Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement per usc 1692k. I'm requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your "credit" report is an infringement of 15 usc 16922b.(2) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these ********** ************************************. ****************************. Cc Better Business Bureau. Cc State Senate. ****************************************. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. ***************************. **************************

  Business Response

  Date: 09/23/2024

  Ms. ******** had a checking account with our *********************************************.  In June 2022 the checking account went into the negative as there were not enough funds to available to cover to incoming charges from ******* and Planet Fitness.  After transferring some small amounts held in the associated savings account and adding overdraft fees that were assessed, this account was charged off on July 28, 2022 for $187.01.  The credit union is required by regulation to charge off the account once the account has been negative for 45 straight days.  The charge off was subsequently reported to the credit bureaus.  *************** decides to pay the charge off, the credit union will flag the charge off as "paid".  However, in its current state the credit reporting for this account is accurate.

• Initial Complaint

  Date:07/29/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I paid my Navigator Auto Loan over the phone with a debit card, then Navigator took the same payment from my checking account balance and refused to return these funds back to my Navigator Credit Union checking account. I have an ACH for Alabama State Tax Revenue that comes out of this account on July 31st, 2024 and now it will bounce because Navigator Credit Union refused to refund a double payment that was stolen from my Navigator Account by **********************.

  Business Response

  Date: 08/06/2024

  Good afternoon,

   In researching this complaint I did see that Navigator used our right to offset and paid on this loan on 7/22/2024. On 7/24, our member went in to make the payment through online banking. With both payments this account is now caught up and the due date is 8/22/2024. I did also see that funds were available to pay on tax the  payment mentioned, so we are assuming there were no penalties for the member. Navigator has been trying to reach ******************** to discuss this complaint and offer ways to help avoid this in the future as well as alert options available to our members. Mr. ***** can reach me directly at ************ M-F, 9p.m.-5p.m. We apologize for any inconvenience this may have caused and hope to speak to member soon.

   

  Thank you,

   

  *****************************

  Chief Growth Officer

  Business Response

  Date: 08/06/2024

  *********************** is no longer with the Credit Union. Can you please send requests to ***************************** *************************************** moving forward? I would also like to include ************************* and his email is ************************************. 

  Business Response

  Date: 08/06/2024

  Good afternoon,
   In researching this complaint I did see that Navigator used our right to offset and paid on this loan on 7/22/2024. On 7/24, our member went in to make the payment through online banking. With both payments this account is now caught up and the due date is 8/22/2024. I did also see that funds were available to pay on tax the  payment mentioned, so we are assuming there were no penalties for the member. Navigator has been trying to reach ******************** to discuss this complaint and offer ways to help avoid this in the future as well as alert options available to our members. Mr. ***** can reach me directly at ************ M-F, 9p.m.-5p.m. We apologize for any inconvenience this may have caused and hope to speak to member soon.
  
  Thank you,
  
  *****************************
  Chief Growth Officer

• Initial Complaint

  Date:02/08/2024

  Type:Delivery Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am receiving mail from Navigator Credit for my ex daughters in law, for the last ten years, I have sent her mail back to them several times stating this person no longer lives her, there is a conflict with her mail continuing to come here, I was told that no one can stop them from sending mail to my home unless they get permission from the recipient, If I send it back it don't work, but I am not allowed to open it are throw it away, any help would be appreciated

  Business Response

  Date: 02/09/2024

  Complaint ID: ********

   

  ***************************** was able to speak to Ms. ********************* on 2/9/2024.In speaking to **************** she stated she was getting mail for a person that did not live at the address. Originally, staff suggested she contact the post office to flag the mail. Upon further research the Credit Union was able to find another solution.  We were able to ensure that she will no longer get mail sent to her address. **************** is happy with the Credit Unions response.

   

  Please let us know if you need additional information.

• Initial Complaint

  Date:06/06/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My loan account was paid over the phone with a representive in May of $200 plus dollars. I was sent an email 6 days ago regarding contacting the bank. I called the bank today and was told I was $14-$15 late on my loan payment in which I thought was paid in May. I was told that I would get a call from the banks collections department. They did call and said something totally different from what I was told earlier the same morning. The last rep. stated I was 52 days late on my loan account. In which I didn't understand what was going on. The stated they tried contacting me by phone(in which my phone # has been the same with them for 5 years). They also stated they didn't know have the correct account # from my bank that they was to take money out in May. I didn't understand how this was true being that they have always had my USAA account information. No story is the same with them. My credit has gone down over 50(+) points with NO explanation of to why. I work with the military and the address they had was not correct. This was explained to the rep. in May as well as today 6/6/2023. I just went ahead and paid the entire of the loan $1095.00 and asked that my account with them be closed completely since NOONE is taking accountability on their end. They were extremely unprofessional in handling this. I was told that they would review the calls and listen to what was said on the call in May, however WE all know this would not happen.

  Business Response

  Date: 06/12/2023

  On June 6, 2023, we received a complaint regarding ******* *******'s loan with Navigator Credit Union. At Navigator Credit Union, our members are our top priority. After researching this account and listening to several phone calls, Navigator has requested that a correction be made to our member's credit report for April and May. We have tried to reach out to Ms. ******* several times to apologize for her experience. Although she was late on her April and May payments, this situation could have been avoided. We are working on the coaching staff, updating our processes when payments are kicked out, and ensuring that our member's contact information is correct. We would love to speak to Ms. *******, and she can reach out to ***** ********* at ************ at her earliest convenience. 

• Initial Complaint

  Date:04/13/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have paid $75 in overdraft fees that I didn’t even know happened. I didn’t receive a notification, for NONE of them. On top of that, even though I was charged an overdraft fee, they did not pay my credit card bill, so why am I being charged a fee if Navigator Credit Union bounced my payment? I called my credit card company and they said they only pulled the payment once, & put it on a 8 day hold , but I was charged a $25 fee 4 times, (TWO IN ONE DAY, TWO ON ANOTHER DAY) and one of them got waved. Navigator Credit Union is stealing my money and food from my child’s mouth. -Returned on my credit app means that it was not paid, and the balance was returned to my credit card after they stole the overdraft fee from me. How is Navigator Credit Union allowed to double & triple overdraft fee within 1 day? I would like a refund, and will be changing banks ASAP. If the money isn’t in the bank, why do you think I have enough for a double overdraft? My check was $80 today and $50 went to an overdraft fee. That’s 5 hours of work for me and is WRONG, unjust and a slap in the face to those of us who make a lower income.

  Business Response

  Date: 04/17/2023

  Customer Information:
  ****** ******* **** * ******* *** * ****** ** ***** ******* ****** ***** ******** ******* ******************
  
  The details of this matter are as follows:
  
  Customer’s Statement of the Problem:
  
  I have paid $75 in overdraft fees that I didn’t even know happened. I didn’t receive a notification, for NONE of them. On top of that, even though I was charged an overdraft fee, they did not pay my credit card bill, so why am I being charged a fee if Navigator Credit Union bounced my payment? I called my credit card company and they said they only pulled the payment once, & put it on a 8 day hold , but I was charged a $25 fee 4 times, (TWO IN ONE DAY, TWO ON ANOTHER DAY) and one of them got waved. Navigator Credit Union is stealing my money and food from my child’s mouth. -Returned on my credit app means that it was not paid, and the balance was returned to my credit card after they stole the overdraft fee from me. How is Navigator Credit Union allowed to double & triple overdraft fee within 1 day? I would like a refund, and will be changing banks ASAP. If the money isn’t in the bank, why do you think I have enough for a double overdraft? My check was $80 today and $50 went to an overdraft fee. That’s 5 hours of work for me and is WRONG, unjust and a slap in the face to those of us who make a lower income.
  
  Navigator Response:
  
  In speaking to the member she accidentally made double payments to pay on her Discover card. At the time of presentment from Discover the balances were as follow:
  
  4/3 $0.00
  4/5 -$25.00
  4/10  $.11
  4/12 -$24.89
  
  The member was charged a non-sufficient funds fee for each attempt by Discover. As a courtesy we refunded two of the fees and also let the member know that she can set up account notifications through online banking to avoid this in the future. Member was pleased and thanked me for reaching out. Based on this conversation we feel that this complaint has been taken care of.
  
  Thank You!
  

• Initial Complaint

  Date:12/28/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had discovered these past few weeks that someone has been using & changing my information (eg address to multiple different addresses). I discovered it when I obtained my credit report and also found these accounts that I have not opened. My identity has been compromised. These creditors are requesting that I fill out a full Packet to show cause in order for them to cease reporting to my credit due to this identity theft. I also found this account that I believe not mine: Acct name: NAVIGATOR CU acct no. ************** date opened 09/01/2017 balance $5,309.00 I am not liable for this debt and I do not have a contract with: Company: NAVIGATOR CREDIT UNION Address: 2721 LITTON ROAD PASCAGOULA, MS 39567 Tel No: (228) 762-3542 Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB. Please delete this account from my credit report at once. Any questions or concerns I can be reached at **** ******* ** *** **** ***** ******* ** ***** and email at ******************************. I need a response from the company.

  Business Response

  Date: 01/05/2023

  ***** *******
  Director of Dispute Resolution
  
  Re:
  ******* **** **** ******* ** **** **** ***** ******** *******
  
  Initial Complaint: Billing or Collection Issues
  
  Response:
  A credit application was received through our indirect lending channel through Route One on 9/26/2017 which was approved and booked. Reviewing the collection notes of this loan it looks like the first delinquent letter was generated on 11/21/2017 and a payment made 11/22/2017 bringing the account current. The months following this loan remained delinquent with only partial payments and empty promises to pay. In March of 2018, the Credit Union was notified by the member that the auto was not working and to pick the vehicle up and gave the location. In March of 2018, the process of repossession started. After the applied repo write down the total amount still owed by member was $5,309.00. Attached is the certificate of ********* **** *** ******* ******** **** ****** ** ******* ******.
  

• Initial Complaint

  Date:11/25/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was having checks deposited into my daughter's account and my ex account checks that were left to me from my father's estate I was told to stop and they don't cash 3 party checks a teller recommended I have them direct deposited so I opened my own account and had the deposits coming into my name as the PAYEE so why did. They block my account it's been 6 months and they holding onto my money im the beneficiary to my father's account and Computershare has told them I can cash checks and deposit whatever I want no problem anyways they closed all 3 of our accTs but give me my money my daughter was allowed to remove the couple thousand that was in her account all funded by the checks my kids dad also was able to remove his funds that were funded by the checks but my account the one where no check was ever deposited not once but had the direct deposit coming in my name as payee gets totally blocked I've showed where im the beneficiary where the tax papers come in my name and I pay the taxes on these stocks and they have gotten the ok from Computershare I can have theses funds in my account I've been lied to made to run in circles and beg for my own money I've lost my new car that was being worked on because I couldn't pay the $2500 to get it out im gonna be evicted Tuesday for owing $1200 to my landlord navigator credit union has done nothing but keep trying to prove im a liar but u can't do that when the truth is right in your face they have called my investment company and said I was commenting fraud but they keep sending the checks cause they who rightfully own then this my money and I so need it if anyone know a lawyer that'll take this as a case let me know cause I've been thru hell with navigator laughed at as I cry cause I had bills to pay the tellers was told to not answer my questions I was denied my monthly statements saying not a member well ***** give me money I was told why is IBM sending u checks if I was a 50 year old white man it'll been ok tho

  Business Response

  Date: 12/06/2022

   

  
  BBB Complaint ID: ********
  *** ****** **** ******* *** **** ****** ** *****
  
  Credit Union Response:

  Ms. ****** and in what appeared to be a partnership with two other separate NCU account owners, ****** ********* and ****** ******, made several mobile check deposits for checks made to a ******* *****.  Several of the deposits were successful because they did not reach the review threshold amount of $1500.00. Once checks over this amount were reviewed it was found that the checks being deposited were for ******* ***** whose name was not on any of the accounts and were rejected.
  Ms. ****** then opened an account in her name and set up these checks to come in through ACH.  This is considered Suspicious Activity when considered the check deposit activity that just occurred on the two other accounts, therefore all accounts were referred to our SAR committee for review. During the investigation we found that ******* ***** was deceased. In contacting the Payee, Computershare, we were asked to no longer accept these deposits and that they had already flagged the account on their side.  Ms. ****** stated that she was the beneficiary of ******* ******’s account.  In speaking with the representative at Computershare, they did not have ******* *****’s account flagged as deceased, and furthermore funds would be disbursed in the beneficiary name only, after the appropriate procedures required by Computershare were completed.  In the case of the ******* ***** account, the representative confirmed that had not been completed at that time.   
  Our Accounting department has sent back $2,613.81 to the Payee and mailed a check to Ms. ****** in the amount of $586.19 for the remaining amount, because partial ACH’s amounts cannot be sent back.
  We have been in contact with this member several times and instructed her to contact Computer Share.
  
  ***** *********
  Chief Administrative Officer
  Navigator Credit Union
  Phone: ************
  Toll Free: 800.344.3281
  **************************