cancel
Showing results for 
Search instead for 
Did you mean: 

NFCU merchant dispute....FYI

tag
Anonymous
Not applicable

NFCU merchant dispute....FYI

i called today to dispute a merchant charge to my GoRewards mastercard with NFCU for 1k.  i purchased a motor scooter  from a dealer 3 months ago in Texas.  the dealer has been unable to provide me with title and registration. 
 
after speaking to a navy fed "account specialist" to dispute, i found her to be more of an advocate for the merchant!
 
i thought they were supposed to be on OUR side.  i promptly addressed a letter CMRR to the them detailing the dispute and supportive documentation.  but i must say i was pretty disappointed in their CSR and would appreciate some feedback...
 
anyone with a successful dispute with NFCU?
Message 1 of 18
17 REPLIES 17
Anonymous
Not applicable

Re: NFCU merchant dispute....FYI

They're usually pretty good with that sort of thing. What have you done to get in touch with the dealership?
Message 2 of 18
fishbjc
Senior Contributor

Re: NFCU merchant dispute....FYI

I can understand their point of view.  You have the scooter in your posession.  If dealer cannot provide title/registration...why have you held onto it for 3 months? 
Message 3 of 18
Anonymous
Not applicable

Re: NFCU merchant dispute....FYI



fishbjc wrote:
I can understand their point of view.  You have the scooter in your posession.  If dealer cannot provide title/registration...why have you held onto it for 3 months? 



Agreed. You only told us a bit about the situation. I spoke to someone in the Navy Federal fraud department and supposedly we're competitive with AmEx in our handling of fraudulent charges.
Message 4 of 18
Anonymous
Not applicable

Re: NFCU merchant dispute....FYI

my husband had an old account with NFCU..there are some errors on the account reporting ..trying to get ANYONE at NFCU to help is a total waste of time talk about giving you the runaround...
 
folks who you talk to won't even give you there name etc..pretty disappointing!They just keep saying its equifax not them ..and won't even try to fix it or even send us a letter so we can send it to Equifax!!  ..NFCU isn't all they like to make out they are!  fact is I think they suck!
Message 5 of 18
Anonymous
Not applicable

Re: NFCU merchant dispute....FYI



CRASMAKEMEPUKE wrote:
my husband had an old account with NFCU..there are some errors on the account reporting ..trying to get ANYONE at NFCU to help is a total waste of time talk about giving you the runaround...
 
folks who you talk to won't even give you there name etc..pretty disappointing!They just keep saying its equifax not them ..and won't even try to fix it or even send us a letter so we can send it to Equifax!!  ..NFCU isn't all they like to make out they are!  fact is I think they suck!



What's the issue? I work at Navy Federal and depending on the nature of your problem I might be able to help (If it doesn't involve any sensitive information, etc). Feel free to PM me whenever.


Message Edited by jaybird201 on 09-17-2008 01:52 PM
Message 6 of 18
Anonymous
Not applicable

Re: NFCU merchant dispute....FYI

thanks for your input....
 
i purchased the scooter 07/02/08...however the charge did not appear on my online statement until 09/12/08...on 08/15/08 i called navy to tell them that I would like to dispute, cuz i have NOT recieved the doucmentation.  the CSR at that time stated i can NOT dispute "because it has not been charged to your account yet" she noted the account and I requested NOT to authorize the charge until i recieve the title and regestration.....to my supprise on 09/12/08 the charge appeared and thats when i called navy again....
 
the dealer has not responded to my repeated requests for the documents...he had stated that he no longer has a business relationship with THAT partner, and is very sorry but cannot furnish me the documents.......... ...i no longer live in Texas, i moved to California, so returning the scooter is NOT an option...currently it sits in my garage unsused for its intended purpose........Smiley Mad
Message 7 of 18
TangMeister
Frequent Contributor

Re: NFCU merchant dispute....FYI



@Anonymous wrote:
thanks for your input....
 
i purchased the scooter 07/02/08...however the charge did not appear on my online statement until 09/12/08...on 08/15/08 i called navy to tell them that I would like to dispute, cuz i have NOT recieved the doucmentation.  the CSR at that time stated i can NOT dispute "because it has not been charged to your account yet" she noted the account and I requested NOT to authorize the charge until i recieve the title and regestration.....to my supprise on 09/12/08 the charge appeared and thats when i called navy again....
 
the dealer has not responded to my repeated requests for the documents...he had stated that he no longer has a business relationship with THAT partner, and is very sorry but cannot furnish me the documents.......... ...i no longer live in Texas, i moved to California, so returning the scooter is NOT an option...currently it sits in my garage unsused for its intended purpose........Smiley Mad





Wow, talk about a bad purchase scenario. Smiley Sad Well, from the sound of it, you're definitely stuck, and will have to address this yourself, since the dealer may have completely severed ties with the partner and can't easily get the title/registration for you. They may be fighting over $$$ between them as well, you know?

Honestly, you need a lawyer to handle this; not NFCU's dispute dept...or at least you need to send letters to the dealer and "ex business partner", telling them you're going to sue their pants off if that title and registration is not in your possession in xx amount of time....then follow through. You've got a good case here. Good luck!
Message 8 of 18
Anonymous
Not applicable

Re: NFCU merchant dispute....FYI

dispite all the cheers from this board, about NFCU, i have found their CS on this issue to be less than accecptable....

 

I have been unable to speak to anyone there that can diviate from script or send me form lettters that do not respond to my situation...VERY< VERY < DISAPPOINTEDSmiley Mad

 

they may have generous credit lines, but their CS on this topic stinks

Message 9 of 18
Anonymous
Not applicable

Re: NFCU merchant dispute....FYI

You haven't told us much as far as details go, but from what you have told us, it doesn't sound like this is Navy Federal's problem. You purchased the vehicle several months ago and it's your perogative to make sure that it comes with a title and registration. I'm not sure how you ended up purchasing the vehicle without obtaining those two documents.

 

If I were purchasing a vehicle, I would have major reservations about buying a vehicle without without the proper documentation provided at the time of purchase.

 

I would suggest you call Navy Federal back and ask to talk to a supervisor to make sure you have no recourse with them, which it doesn't sound like you do.  After that, as suggested by others above, you should probably talk to a lawyer and try to work this out with the dealership.

 

Best of luck. 

 

Message 10 of 18
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.