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:04/03/2024

  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 deposited $1,000 into this prepaid credit card. I wish to cancel my card now as I no longer use it. I have been trying o contact them to get my $1,000 back that I put in. They dont respond to emails. They dont answer their phone number on the back of the card. There is no number to call Nav.

  Business Response

  Date: 04/18/2024

  Hello ****, 
  After reviewing your account and comments, *********************** **************** team has provided you with the contact information of the support team to assist you with canceling your secured card via email on April 5th, 2024. Additionally, you can reach the Tillful support team by emailing them at *****************

• Initial Complaint

  Date:03/26/2024

  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 is refusing to apply my payments from my business credit card to my credit report. They keep telling me they aren't required by law to report it, and that's partially correct. However, if they sell you a product that says "We will report this every month" then they are required to. I have paid monthly for the service. and I have paid off the charge card every day, and the aggregate is supposed to be reported monthly. Since it is not, and Nav refuses to fix the issue I want a refund on everything. They literally advertise it as such, and therefore that makes it a requirement once we enter into an agreement together. I pay them, they report it to the credit bureau. They are not, so I want my membership refunded, as this is doing nothing for my business credit, I just pay a monthly fee for nothing.

  Business Response

  Date: 04/23/2024

  Hello *******,
  
  
  After reviewing your account, we can confirm that Nav has been
  reporting as a tradeline monthly to the major business credit bureaus
  and the Small Business Financial Exchange (SBFE). The following is
  some additional context that may be helpful. The Nav Prime tradeline
  is automatically reported by Nav directly to all the major business
  credit bureaus. Because of this direct reporting relationship, you
  will be able to see your Nav Prime tradeline on your Detailed Credit
  Reports as “Business Service” or “BUS SERVCS MONTHLY.” Your Nav Prime
  Card repayments are also automatically sent by Nav as a tradeline, but
  Nav directly reports these payments to the SBFE. The SBFE gathers and
  protects the largest aggregate of small business payment data in the
  US today and leverages the data to help the lending industry build a
  picture of your business credit health. As a result, your Nav Prime
  Card tradeline gets automatically sent from Nav to the SBFE, where it
  is available to all the major business credit bureaus to contribute
  toward your business credit scores.
  
  
  Rest assured, monthly reporting of your Nav Prime Card tradeline is
  completed by Nav and available to all major business credit bureaus to
  help build your business credit history. As part of your Credit Health
  experience you should be able to see when your tradeline was reported
  by logging into your Nav account.

• Initial Complaint

  Date:03/22/2024

  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 is organized theft! I cancelled my subscription in writing on October, 21 2023, and they keep charging my account and refuse to process a refund!!! They have the most robotic and insensitive customer service and it seems that all they want is to take advantage of small businesses and rip them off.

  Business Response

  Date: 04/18/2024

  Hello *******, 
  
  
  After reviewing your account, we have found instances where the instructions to downgrade and/or cancel your Nav Prime membership were provided to you via email, first on October 10th, 2023 and then on December 21st, 2023. 
  
  On March 19th, 2024, it appears you downgraded your Nav membership. We can confirm that your account has been set to downgrade on April 19th, 2024. Lastly, as previously explained, we are unable to refund your Nav Prime membership fees in accordance with our terms and conditions.

  Customer Answer

  Date: 04/18/2024

  
  Complaint: ********
  
  I am rejecting this response because:

  I clearly demanded cancellation in October. You are using your terms to avoid performing the cancellation as requested several times.

  The services weren't used and you know it.

  Although your response might comply with your terms, your tenacity to refuse to fulfill my request and keep the money just show that you are not human but machines, and that you do not have any sense of customer service.

  You are willing to spend more money following up with this case, than doing a customer service gesture.

  thats just bad business. Business with no soul and definitely not geared towards serving the community of small business owners, Nav is just here for the taking.

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

  Business Response

  Date: 04/22/2024

   

  Our customer support team has contacted the customer and we were able to reach an amicable solution.
  

  
  

• Initial Complaint

  Date:03/13/2024

  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.

  NAV took monies from my account and locked it so now I can't use my own money. I've had a refund coming from a merchant and NAV took that refund and stored it as a credit on their side instead of returning it to my linked bank account where they took it from in the beginning. Nav refused to do anything. I had another refund come in and now they just took that money and kept it, then locked my credit card so I can't use it. Nav excuse is that my account needs to be relinked from "their trusted" partner Plaid, which Plaid now don't want to link the account, and their lie is username from bank can't be verified all of a sudden, which is a lie. So, now Nav don't want to refund the refunds I have that they took upon themselves to store as a credit which I didn't ask for even before they stolen and locked my card. Now, nobody wants to talk to me, and they use another lie saying they can't verify my identity, and they want to verify theirs with me when they call, so they use that as am escape goat to not handle the situation from their apparent fraud. All this scam company had to do in the first place is not hold people's money and return the transaction back to the original method, which was my linked bank account. So, the question now is, if you can't identify me, how was this account even opened. And most importantly, you're not contacting the real owner, why isn't the account restored back to its whole form and you release my money and close it. So, as you see, this is a scam, especially when the company don't even have a phone number so people can call them, they get slick and gives you VISA's number and not their number. Nav also don't have any physical locations nor other real business-related communication.

  Business Response

  Date: 04/02/2024

  Hello ******,

  
  After reviewing your account, we can verify that our partner has encountered connectivity issues with the bank account linked to your Nav account. At your earliest convenience, please update your banking account information. If you continue to have connectivity issues, we recommend connecting a different bank account or to contact Nav’s customer service team for additional assistance troubleshooting. Your funds will be returned once you have updated your bank account information.  
  

  
  

  Customer Answer

  Date: 04/04/2024

  
  Complaint: ********
  
  I am rejecting this response because:

  It still doesn't work, I strongly believe this is a scam to take people's money. Nav had no problems taking my money out of my bank account, but now has a problem returning it when I didn't give permission for Nav to use my funds as a "store/site/app credit".

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

  Business Response

  Date: 04/23/2024

  Hello ******,
  
  As of April 17, 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.

  Customer Answer

  Date: 04/24/2024

   
  Complaint: 21429706
  
  I am rejecting this response because:

  I have not seen a proper response, and I think the business is trying to do that out of your reach, so they won't look even worse than they are now. I've seen unprofessional and non-caring business do this so nobody else sees their response publicly.

  I did however get an email today from this business that said my account was closed, which means they didn't care, and they did nothing to help.

  In all, nav has still taken my money and didn't provide me my refund which to me suggest theft by deceptive practices.

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

  Business Response

  Date: 05/07/2024

  Hello ******,
  
  As of April 24th, 2024, it appears the dispute with your bank has been
  completed and the disputed funds were returned to you. Your Nav Prime
  membership was downgraded and your Nav Prime Charge card was closed.
  A check with the remaining account balance is currently being
  processed and will be delivered to the address on file.  Please allow
  10-12 business days for the check to be delivered via mail.

  Customer Answer

  Date: 05/07/2024

   
  Complaint: 21429706
  
  I am rejecting this response because:

  The business did nothing, I took the liberty to contact my financial institute to dispute the charges after nav refused to help, so me and my bank handled this senseless situation that the business could have done if it were competent enough.

  Obviously, the business (like most others) doesn't care unless media, government or financial institutes get involved.

   

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

• Initial Complaint

  Date:02/22/2024

  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 spoke with one of their representatives when I noticed they no longer use Dun & Bradstreet. I told them I wanted to cancel, they didn't. When the quarterly renewal came up it charged me. I contacted them the SAME DAY of the renewal and they are so hard headed they will not refund me even though I gave them written notice prior of cancellation. It's a shame when companies put profits over consumers.

  Business Response

  Date: 03/13/2024

  Hello ******,

  
  After reviewing your Nav account, we can confirm that the quarterly Nav Prime membership has been set to cancel on March 22nd 2024, and a prorated refund of $99.98 has been processed back to your account.
  

  
  

• Initial Complaint

  Date:02/14/2024

  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 have cancelled this account and they still charged my account

  Business Response

  Date: 03/01/2024

  Hello *********,
  After reviewing your Nav account, we can confirm that the quarterly Nav Prime membership has been set to cancel on March 13 2024, and a prorated refund of $99.98 has been processed back to your account.
  
  

• Initial Complaint

  Date:02/09/2024

  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.

  Requested refund for credit monitoring service because it won't connect to my bank/credit accounts. This is necessary for the service to work. Unable to get response from company via phone, email, or ticket requests I sent. DO NOT USE THIS COMPANY.

  Business Response

  Date: 03/01/2024

  Hello *****,

  
  Upon reviewing your account and comments, there are a few things that wed like to clarify. The Cash Flow tab is a feature available on both free and paid Nav accounts and requires the customer to connect a bank account. Utilization of the Cash Flow feature does not affect your ability to view your Detailed Credit Reports.
  If you need any additional assistance with your Nav account, please contact our **************** team. We are unable to refund your membership fee in accordance with our terms.
  

  
  

• Initial Complaint

  Date:01/29/2024

  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.

  Nav don’t report anything in the business credit report, I paid $ 59.99 every month since November and nav put my business starting date wrong . They don’t report nothing and d&b , equifax,experian.

  Business Response

  Date: 03/01/2024

  Hello *******,
  
  
  After reviewing your account, we can confirm that Nav has been reporting as a tradeline monthly to the major business credit bureaus. Following is some additional context that *** be helpful. The Nav Prime tradeline is automatically reported by Nav directly to all the major business credit bureaus. Because of this direct reporting relationship, you will be able to see your Nav Prime tradeline on your Detailed Credit Reports as **************** or BUS SERVCS MONTHLY.  
  
  Regarding your business start date issue, you can edit your business start date under the Settings tab in your Nav account. However, the underlying issue is that start date will revert back to the date the business credit bureau has on file.  You can contact the applicable business credit bureau to update or change your business start date if it is incorrect.
  
  If you need assistance with your Nav account or would like additional information on Detailed Credit Reports, please contact our **************** team.
  

• Initial Complaint

  Date:12/22/2023

  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.

  We joined Nav nearly two weeks ago sent the $2150 from our business checking account. Then all of a sudden they said the account was canceled due to risk. We own YTE Group Inc and are one of the largest marketing companies for the Trucking industry in the USA. We have zero risk doing business with us. Anyway to make a long story short they said they would mail us our check back to the business address. We told them why can you not send the money back just like you received it through ach. They will not let us speak to anyone because it has to be scheduled. I do not recommend anyone do business with this company because it has been a mess from day one and you will definitely be hearing from our lawyers.

  Business Response

  Date: 02/15/2024

  Hello *******,
  
  After reviewing your account, your ********************** Business Checking account was closed, and a check with the remaining account balance was issued on December 27, 2023.  Please allow ***** business days for the check to be delivered via mail to the account address on file.

  Customer Answer

  Date: 02/15/2024

   
  Complaint: 21045758
  
  I am rejecting this response because, they are completely lying about when they mailed the check and we will tell you why. ******* **************** handles all the mail for our corporation and have never ever messed up not even once. They claim they mailed it and here it is the 14th of February and still never received it. They have had the correct address from day one. We have hired Sumision law firm in ***** **** to handle our lawsuit against  NAV. Stay, as far away from this company as possible. Any time you send a company money through ACH to a company and they claim They cannot send it back to you in ACH Form and only a check run as far from them as possible.  This is the twenty first century you people need to really learn not to steal hard working companies money.

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

• Initial Complaint

  Date:12/20/2023

  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.

  I signed up for NAV Prime+SBSS IVE BEEN PAYING $59.00 per month & I am not able to access reports from SBSS. I have complained about this earlier on 9/25/23 & I didn’t receive any help with the matter. I showed pictures in my email 2 days that I’m not receiving SBSS scores even though I have been paying for them for months. Still no help. I either want a refund or access to the scores that I have been paying for.

  Business Response

  Date: 03/01/2024

  Hello ******,
  
  
  After reviewing your account and comments, we confirmed that your FICO SBSS reports were available to you within your account details. On January 18, 2024, you removed FICO SBSS add-on service from your monthly reports. To ensure you have access to those scores, we will send you a copy of the FICO SBSS reports between September 2023 - January 2024.