Complaints

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:03/24/2025

  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.

  Within an hour a few hours after or in that prime I tried to go back and get a refund, I know I can get the refund because it's a credit transaction. And now I won't give back the refund. It stays in their terms and conditions regardless of that the *** title code 15 between ***** and 1699, the creditor of the transaction if the service and everything is not provided then they can refund it back.

  Business Response

  Date: 03/28/2025

  Hello *********,
  After reviewing your account, a refund was processed on March 26th, 2025, as an exception to our current terms and conditions. The refund was credited to the account it was received from.  Additionally, we can confirm that your Nav Prime membership was canceled on March 26th, 2025.
  
  

• Initial Complaint

  Date:03/20/2025

  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.

  The are inaccurately reporting my business credit and revnue is totally wrong!!! if they dont get their features straight. I will sue them.

  Business Response

  Date: 03/28/2025

  Hello ******, 
  Please be aware that as a reseller of business credit reports, Nav is unable to modify or make changes to your business's credit report information. Nav pulls its reports directly from Experian, Equifax, and Dun & **********. If information appears incorrect or is missing, you will need to dispute it with the respective bureau. Each business bureau has a different dispute process - below are instructions for each.
  EXPERIAN BUSINESS
  Experian takes disputes through email.  You will need to:
  Print out your FULL updated report. Circle the incorrect information and write in the reason you are disputing that item. Email the edited report to ***************************** along with any additional documentation. 
  EQUIFAX
  To dispute incorrect information on your Equifax report, you will need to use the contact information below:
  Phone number: ************, Option 2, Option 2, Option 4
  If you dispute ************ via email, you should submit it to: ********************************************
  When you submit the email, please include the following to help expedite the request:
  -Send the email from an address that includes part/all of your name/company as part of the domain name
  -Include the company name, and the complete address with city, state, and zip code, along with a brief description of the nature of the dispute, if known.
  Dun & Bradstreet
  Follow this link to search for your business to begin the dispute process: ********************************************************************
  In regards to your revenue, if its wrong on any credit report, please follow the dispute instructions above. Otherwise, you can update the revenue on your account by going into Profile & Settings and updating it there, or adding/removing bank accounts you may have connected under the Cashflow tab through the Bank accounts tab in Profile & Settings. 
  If you need assistance with your Nav account, please contact our ************* Team.
  
  

  Customer Answer

  Date: 03/30/2025

   
  Complaint: 23093892
  
  I am rejecting this response because: you do not report false debts or ill sue *** take it off or else!!
  
  Sincerely,
  
  ****** ************

• Initial Complaint

  Date:03/01/2025

  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 am writing to formally file a complaint against ************************** regarding deceptive business practices, false advertising, and an unfair refusal to issue a refund.On February 21, 2025, I signed up for Nav.coms premium membership based on their advertised claims regarding business tradelines. ************************** explicitly stated that with their premium membership, I would receive a certain number of business tradelines, along with specific dollar amounts and reporting benefits. However, after signing up and paying for the service, I quickly discovered that the number, nature, and dollar amounts of these tradelines were misrepresented. The actual benefits provided were far less than advertised, making the service materially different from what was promised.Upon realizing the discrepancy, I contacted Nav.coms customer service to express my concerns and request a refund. Not only did they refuse to issue a refund, but they also failed to provide any reasonable resolution. Additionally, their website and marketing materials fail to disclose that their subscription plans are billed for a minimum of three months rather than a single month, misleading customers about the true cost of the service. This hidden billing practice makes it difficult for customers to make informed purchasing decisions.I believe these actions constitute false advertising and unfair business practices, as they mislead consumers into purchasing a service that does not deliver what was promised and then lock them into an extended billing cycle without clear disclosure.I am seeking the following resolutions:1.A full refund of the amount I was charged for the misleading premium membership.2.A correction to Nav.coms advertising to clearly and accurately reflect the number, nature, and value of the business tradelines they provide.3.Transparency regarding their billing practices, including clear disclosure of the minimum subscription commitment before customers sign up.

  Business Response

  Date: 03/11/2025

  Hello *****, 
  After reviewing your account and comments, you signed up for Nav Prime membership on February 9th, 2025. Nav Prime memberships are offered either on a monthly or quarterly payment interval and can be modified or canceled at any time. You selected and were billed for a monthly membership. 
  During the upgrade process, all customers are presented with information regarding the paid Nav plans. The plan you selected clearly listed benefits associated with membership, including: One tradeline to build business credit (membership payment) and a Second tradeline to build business credit (Nav Prime Card). At that time, Nav also disclosed that the second business tradeline was only available when approved for the Nav Prime Card. 
  The first tradeline for your Nav Prime membership will automatically be reported by Nav directly to all three major business credit bureaus. On February 9th, 2025, you applied and were approved for a Nav Business Checking account. After being approved and opening your Nav Business Checking account, however, you did not open a Nav Prime Charge Card. Therefore you did not receive the second tradeline.
  Lastly, we can confirm that your Nav Prime membership has been set to downgrade on March 9th, 2025. We are unable to refund your membership fee in accordance with our terms.
  
  

  Customer Answer

  Date: 03/19/2025

   
  Complaint: 23006007
  
  I am rejecting this response because: 

  I am writing in response to the reply provided by ************************** regarding my complaint. I reject their response as it does not adequately address my concerns, contains further misleading statements, and fails to offer a fair resolution. I previously submitted a response, but it appears that it did not go through. I would like to keep this case open as Navs reply does not resolve the issue.

  Navs response confirms that I only received one tradeline instead of the multiple tradelines they originally advertised. However, their explanation is misleading, as they claim that opening a Nav Business Checking account constitutes a tradeline. This is factually incorrecta business checking account is not a tradeline because it does not function as a line of credit and does not contribute to business credit in the same way that a reported credit account does. This is yet another example of Nav misrepresenting the nature of their services. Additionally, their promotional materials did not make it clear that the second tradeline was contingent upon opening and using a Nav Prime Charge Card. Their marketing strongly implied that both tradelines would be included with the premium membership, when in reality, one was conditional on an additional approval process that was not disclosed upfront.

  Nav also claims that I selected a monthly membership, but their terms obscure the fact that users are often billed in three-month increments unless they manually cancel. Their marketing materials fail to clearly disclose that users may be locked into a longer-term billing cycle, making it difficult for consumers to make informed decisions about the true cost of the service. This is another deceptive practice that misleads customers into committing to more than they originally anticipated.

  Finally, Nav states that they are unable to refund my membership fee, but this is demonstrably false. There is no legal or technical limitation preventing them from issuing a refundthey simply do not want to provide one. Many reputable companies offer refunds for services that do not meet expectations, particularly when those services were misrepresented. Nav, however, is choosing to hide behind its refund policy despite clear evidence that I did not receive what was promised.

  I respectfully reject Navs response and request that the BBB continue investigating this matter. I am reiterating my request for the following: (1) A full refund of the membership fees I was charged; (2) A correction to Navs advertising to ensure clarity regarding the number, nature, and eligibility requirements of their business tradelines; and (3) Transparent disclosure of their billing practices to prevent further consumer confusion.

  Navs continued use of misleading statements in their response only further proves that they are intentionally misrepresenting their services. I appreciate the BBBs assistance in resolving this matter and request that this complaint remain open until a fair resolution is reached. Please let me know if you require additional documentation or clarification.

  
  
  Sincerely,
  
  ***** *****

  Business Response

  Date: 03/27/2025

  Hello *****,

  
  

  For context, when discussing tradelines associated with paid memberships, Nav always discloses that a Nav Prime membership can offer up to two tradelines: one through the monthly membership payment, and a second tradeline through the Nav Prime Card (if approved). Additionally, on Navs website and during the banking application process, Nav clearly discloses the requirements for a Nav Prime Card. To reiterate, on February 9th, 2025, you were approved for and opened a Nav Business Checking account. However, you did not open a Nav Prime Charge Card, which is the second potential tradeline.  As a result, you only received one tradeline, from your Nav Prime membership payment.  This aligns to the language on our site.  

  
  

  Also, Nav Prime memberships can be paid monthly or quarterly, and customers retain the flexibility to modify or cancel their membership at any time, as per our terms and conditions.

  
  

  For your reference, our policy states:

  
  

  If at any time while you have a paid account with **********************, you may choose to downgrade your membership to a different Service plan, including a free Service. You may downgrade your account by contacting Customer Support or by using any other method specified on the Websites. For the sake of clarity, downgrading your account will not cancel your membership. To cancel your account in its entirety and no longer receive Services you must call Customer Support, or downgrade your plan in the account settings on the Website.

  
  

  After review of our records, your membership for this account was canceled on March 9th, 2025.  Additionally, we see that you filed a payment dispute with your bank on March 19th, 2025, for the monthly membership fees. You will receive a response regarding that dispute through the appropriate channels.

• Initial Complaint

  Date:02/03/2025

  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 signed up for Nav’s credit monitoring service, which advertised personal and business credit updates as part of its benefits. Nav also claimed that personal credit monitoring was “optional” and included as a free feature. However, I experienced several misleading and unfair business practices, including: False Information About Payment Grace Period: I was told I had until March 2025 to make a past-due payment, but my account was immediately canceled due to a failed Visa card transaction. Unfair Removal of Business Tradelines Nav removed two tradelines that were actively helping build my business credit, which they failed to disclose would happen upon cancellation. This negatively impacts my business credit and was never clearly communicated. Misleading Claims About Personal Credit Monitoring: Nav advertises personal credit monitoring as “optional”, but in reality, they require a paid subscription for it to update. If it is truly optional, it should update regardless of payment, just like free credit monitoring services. Failure to Properly Update Credit Reports: My business credit reports were supposed to update on the 13th of the month and personal credit on the 29th, but my last personal credit update was on November 29th, rather than December 13th (before my due date). This shows they did not update reports properly yet still charged for access. Permanent Account Restriction After a Complaint: After raising these issues, Nav canceled my account and has now restricted me from reaccessing their services, which appears to be retaliation for my complaints rather than a policy-based decision. These actions are deceptive, misleading, and financially damaging to small businesses like mine. I expect a full explanation and corrective action from Nav.

  Business Response

  Date: 02/11/2025

  Hello ******
  After reviewing your Nav account, we can confirm that your quarterly Nav Prime membership was canceled as of February 3rd, 2025, because Nav was unable to process your payment. Therefore, your account was downgraded to a free account.  
  Nav offers personal credit monitoring as a free service. Full personal credit reports are available with Nav Prime memberships and update once every 30 days.
  Lastly, please know that as a reseller of business credit reports, Nav is unable to modify or make changes to your business's credit report information. The addition or removal of tradelines is determined by each individual business credit bureau.
  
  

• Initial Complaint

  Date:12/12/2024

  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.

  My business checking account and my nav charge card has been frozen for the past couple of days allegedly due to suspicious activity. I've been calling to get an update because I can't understand why it would take so long to 'investigate'. All transactions are routine and legit. Yet I can't talk to anyone from the operations team to get this resolved quickly. With my account being frozen I can't get access to MY funds which is unacceptable at this point. This is just a lawsuit waiting to happen.

  Business Response

  Date: 12/23/2024

  Hello ****,
  Your Nav Prime membership is set to downgrade on January 9th, 2025, and your Nav Prime Charge card was closed on December 12th, 2024.
  A check with the remaining account balance was processed on December 19th, 2024, and will be delivered to the address on file.  Please allow 10-12 business days for the check to be delivered via mail.
  
  

• Initial Complaint

  Date:12/06/2024

  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.

  This ******** company falsely advertises things and then when you try to cancel refuse to give you a refund, theres nothing but complaints online about this company. Ive already went to the state Attorney General and filed a complaint, if they dont process this refund today, Im gonna charge it back as fraud but this is absolutely ridiculous and Im on the verge of making sure this company loses thousands of dollars to charge backs. I will create separate accounts, not using my name and pay for the service that charge them back. I dont care this company needs to learn to respect its clients people work hard for their money, but I refuse to have company to take it. I will make sure that this company loses, also plenty of people that are willing to do the same thing so can I make sure that people get what they deserve and this company gets what they deserve as well

  Business Response

  Date: 12/16/2024

  Hello ***,
  As of December 12, 2024, your membership was downgraded, and we can see that a payment dispute was filed. You will receive a response on that dispute through the proper channels.
  
  

• Initial Complaint

  Date:10/17/2024

  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.

  This company claims I opened an account with them. I did not. Ive tried calling, emailing with zero response to removing any information and to close the account opened in my computers name. Please help

  Business Response

  Date: 10/25/2024

  Our ************* Team has contacted the customer and we were able to resolve the customers concerns.

  Customer Answer

  Date: 10/25/2024

   
  Complaint: 22438341
  
  I am rejecting this response because: I am rejecting their response because they havent explained how someone was able to, or who opened an account, in my corporations name.
  This company opened an account in my business name without permission. They listed a credit card number ending in 2380 which does not belong to my company.
  Granted, they have now, with the BBB help, closed the account and presumably deleted all information associated with EL Designs.
  
  Sincerely,
  
  ***** ******

  Business Response

  Date: 10/28/2024

  Hello *****,If you have been a victim of identity theft, you should contact your local law enforcement agency and file a police report.

• Initial Complaint

  Date:08/16/2024

  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.

  CAUTION This is not what you think or see on the Internet videos for help in credit building. This company offers a Nav Prime membership that includes 2 business credit lines. They do not have a disclaimer or a clear policy on their advertising page that they do a personal SOFT CREDIT CHECK and you can be denied and lose your money. In our case we were denied for the checking account and for the ********************** Prime card with the excuse that their banking partner could not approve us at this time due to "inability to CHECK OUR IDENTITY", so we contacted support to send the necessary documents to resolve the issue, but they refused and told us there was nothing they could do. Clearly, identity was not the problem. We requested a refund because we can't use the remaining services they offer since the business is new; it doesn't have a credit file yet, so we don't have any use for their services at the moment, maybe in the future, depending on how they resolve this matter we can subscribe again. Take a hint from US VS. Amazon and Adobe for poor subscription practices. When you are a trustworthy company, you have no problem giving refunds to your customers, you refuse refunds when you are making bad practices and you are untrustable, everyone knows this. We have another business with over 30 years experience and profits over 7 digits so we know what we are talking about.

  Business Response

  Date: 08/27/2024

  Hello Maricelly,
  After reviewing your account and comments, we would like to take this opportunity to respond below.  When you created your account with ********************** on August 7th, 2024, you provided explicit written instructions to Nav, compliant with all requirements of the ****.  Specifically, you agreed that you: "provided written instructions" in accordance with the Fair Credit Reporting Act, as amended ('****"), for Nav to obtain your credit report and/or credit score(s) on a recurring basis" to among other purposes, "verify your identity and to provide credit monitoring, credit scoring, credit score monitoring and tracking, or alerts." Nav Terms & Conditions, dated December 18th, 2023.  Accordingly, all access to your consumer reports was pursuant to your own written instructions under the **** and was done with your consent.
  There are many benefits to the Nav Prime membership to include access to full detailed credit reports, both personal and business credit scores, and Nav tradeline reporting.  You will continue to have access to your Detailed Credit Reports through the end of your membership term. Your tradeline for the Nav Prime membership will be reported to the major business credit bureaus at the beginning of next month. If you need assistance, or would like to cancel your account with **********************, you may do so at any time by contacting Nav at **********************************************. We are unable to refund your membership fee in accordance with our terms.

• Initial Complaint

  Date:08/06/2024

  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 was misled by what was offered by Nav Prime. I was not able to locate or link my business credit profile to my account. Another big reason I decided to purchase the subscription was to have access to the Nav Prime Card. Even after linking multiple accounts in different banks with balances higher than $5, I was given a daily spending limit of $5 that does not cumulate. This is not even enough to purchase a meal at a fast food restaurant or a box of pens. Paying $49.99 a month and having no access to your credit score (later yes, but not for months), and then getting access to spend $5 a day that you immediately have to pay back, is not what I signed up for. I did not use the services, cancelled after 24 hours and called for a refund of the initial payment after 36 hours. I was told they dont do that.

  Business Response

  Date: 08/12/2024

  Hello ********,
  After review of your account, your ********************** Prime membership has been set to downgrade on September 4th, 2024. You will continue to have access to your Detailed Credit Reports through the end of your membership term. Your tradeline for the Nav Prime membership will be reported to the major business credit bureaus at the beginning of next month. A member of our ************* Team has called and emailed to explain details around the Nav Prime Charge Card daily limit. Lastly, we are unable to refund your membership fee in accordance with our terms.

  Customer Answer

  Date: 08/12/2024

   
  Complaint: 22099874
  
  I am rejecting this response because: I cancelled my account within 24 hours of purchasing the subscription and requested a refund within 36 hours. I have not logged in since. I did not utilize the service
  
  Sincerely,
  
  *******************************

  Business Response

  Date: 08/22/2024

  Hello ********,
  

  
  

  We can confirm that your account has been set to downgrade on September 4th, 2024. As previously explained, we are unable to refund your Nav Prime membership fees in accordance with our terms and conditions.

  
  

• Initial Complaint

  Date:08/05/2024

  Type:Service or Repair 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.

  Nav Technology is listed on my credit , I never heard of them never applied for credit or funds , I have called them in the past and they continue to allow someone to use my identity fraudulent to commit fraud . I need help to make to stop with this identity theft so the criminals can be prosecuted.

  Business Response

  Date: 08/12/2024

  A member of our ************* Team will contact you to gather additional information and support the resolution of your issue.