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:12/14/2023

  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 am a Prime NAV member- $50 monthly fee. I have had issues after adding a new **** to use with Prime card, at first i did not get the card in the mail. Once the card came, i was locked out of my cards. I can see my transactions on my mobile acct for the new bank acct, older acct i want deleted keeps saying it needs reconnected. I have even went straight to PLAID to work it from that angle, no luck no matter what. I am still locked out of cards and cannot therefore get any credit for using this company. Feel its been a waste of my money/time as a new bussiness owner.

  Business Response

  Date: 12/29/2023

  Hello ********,
  
  After reviewing your account, we can confirm that your Nav Prime Card is currently active, and your repayment account is currently connected and working properly.
  
  

• Initial Complaint

  Date:12/06/2023

  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 opened a new business credit card. It was a secured card so a deposit was needed which I paid $1500. shortly after they received the deposite they closed the card and won’t return the deposit. I have contacted several times via email and text and everytime they tell me it will be returned on a date and then it doesn’t. I have filed with my bank as fraudulent but the business said it was a legit charged and my bank can’t help either. This company has many bad reviews doing the same thing to other people.

  Business Response

  Date: 01/08/2024

  Hello ***********,
  
  
  The bank has encountered issues returning your deposit due to a connection error with the banking account linked to your Tillful account. At your earliest, please update your banking account information. Once you have updated your account, your deposit will be able to be returned.
  

• Initial Complaint

  Date:11/14/2023

  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 cancelled my subscription 2 weeks after signing up with Nav Tech. I called and asked if I could place my account on Hold for 1-2 months. They told me no but that they would cancel my membership, and I could reactivate it when I was ready. A day before my new month started, they charged my card anyway. I requested a refund since my account was supposed to be closed. They told me that I never did call, which is untrue! And although I was still within my previous paid month, they still wouldn't refund me for the prepaid month. Very rude! They also made me feel as if I was lying. They offered zero customer service! I feel like they lied about cancelling my membership so they could charge me anyway and then deny a refund. I will dispute this charge with my bank and have proof that I was within the cancellation window! DO NOT USE THIS COMPANY! If there is any type of discrepancy, they do not care whatsoever! They just want your money! Also, their services were incorrect and kept pulling companies that were not mine. Useless! Rude! Avoid!

  Business Response

  Date: 12/04/2023

  Hello *******, 
  After reviewing your account, you signed up for a Nav Prime membership on October 14, 2023. Your next Nav Prime membership payment was due and processed on November 14, 2023. You downgraded your account that same day, November 14, 2023. Based on the information you provided to our customer service agents, we were unable to find a request for a hold or cancellation of your Nav Prime membership.
  As of November 30, 2023, your membership was canceled, 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:10/18/2023

  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.

  This company has been charging me 109.95 for three years on an app I have selected for FREE. Worse is that you can not UNSUBSCRIBE. There is NO customer service and when you are placed on hold after 30 minutes it hangs up. Im going to have to change my bank account of 10 years.

  Business Response

  Date: 11/08/2023

  Hello ********,
  Our records indicate that the Nav app for your Clover device was installed on July 29th, 2020.  The Nav App within the Clover Marketplace contains a free version and paid Premium version.  You signed up for the Nav Premium monthly subscription starting in December 2020.  Your Nav Premium membership ended on October 18th, 2023.  Your monthly payment for October 2023 has been refunded
  
  

• Initial Complaint

  Date:10/09/2023

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore 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 over tilliful. According to Tilliful, Nav is responsible for handling the card and complaints now. Tilliful is a secured card I have had for roughly two years. I paid them $2500.00 to open a $2500.00 secured card in my business name. On September 14th 2023 I requested to close my account. I have not received an update on my account closure or the rest of my security deposit back. I only receive duplicate emails thanking me for my submission. The phone number on file only tells you no one can answer the phone right now. I have used every channel they provide to contact them to no avail. Their agreement states that it should take roughly 5-10 days to complete closure. I cannot sign in to see my account, so the card has been closed. I am due around $1400.00 back from my security deposit.

  Business Response

  Date: 11/07/2023

  Hello *****,
  
  
  After looking into your account, we can confirm that the request to close your Tillful account was received. Your Tillful account was successfully closed and the remaining funds in your account were transferred back to your linked bank account on October 13th.

  Customer Answer

  Date: 11/07/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  Date:10/05/2023

  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.

  This is essentially a case of false advertisement and terribly rude customer service. I signed up for Nav's "Nav Prime" membership and its FICO SBSS $10 service today, 10/5/23. Three (3) of the most important features I paid for are unavailable. 1.) The FICO SBSS service I paid extra for is completely unavailable to me. When I attempt to use the FICO link to access my business' score, it provides an error message stating, "Something went wrong. It looks like the page you're looking for doesn't exist." Error screenshot attached. 2.) When I attempt to apply for the Nav Business Checking, it provides an error message stating that it "....isn't currently live in vour state..." Error screenshot attached. 3.) When I attempt to apply for the New Prime card, which was advertised (please see attached advertisements) as being "exclusive to Nav Prime members," it also provides a similar error message. I attempted to chat in and reached representative Magali. The rep provided no apologies or empathy. At best, she offered absolutely minimal technical support assistance, and, instead, mainly tried to express the *other* benefits of Nav Prime membership. When I finally asked for a full refund, she said, "In order for Nav to process a refund you will need to call in..." Screenshot of the chat attached. So, I called in as instructed, & after waiting on hold, received another unhelpful representative. After explaining why I wanted a full refund (false advertisement & inability to access features I paid for), she tried saying I wasn't eligible for a refund. After demanding to speak to a supervisor, she allegedly put in a ticket for a supervisor to call me back in 2 business days. She refused to transfer to me to a lead or supervisor. This is absolutely ridiculous. I signed up, started experiencing issues, and immediately tried to reach out. I have gone ahead and cancelled any renewal. However, I demand a full refund and restitution for my wasted time.

  Business Response

  Date: 10/30/2023

  Hello ******,
  
  
  After reviewing your account and comments, we would like to clarify some of your statements.  Your FICO SBSS report is showing as available to you within your account details.  Additionally, you are able to open a Nav Business Checking account.  Out of the items listed, only the Nav Prime Card is currently unavailable to you based on the state that you reside in.  We have disclosures both in our logged-in and logged-out environments that state “The Nav Prime card is currently not available in CA, NV, ND, SD.”  We are working to ensure the Nav Prime Card will be made available in your state at some time in the future.  Your account will be downgraded to the free version on November 5th.  We apologize for any inconvenience that this may have caused you but we are unable to refund your membership fee in accordance with our terms.
  

  Customer Answer

  Date: 10/30/2023

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

  Stating what is “showing as available” to me now, has no bearing on providing the services I paid for then (at the time of sign up).
  

  Company’s response is not addressing what transpired in its entirety, nor the concerns.

  First and foremost, the FICO SBSS report was absolutely NOT available to me when I signed up and subsequently when I asked for assistance and then a refund.  This was proven by my already provided screenshot of the error message that I received. The same goes for opening a Nav Business Checking account, it was NOT available at the time of my sign up & when I asked for a refund.  I’ve also already provided the screenshot proof of that additional error message.

  Your website was clearly not functioning in its entirety when I signed up.  This is why I almost immediately asked for a refund.  As mentioned already, glazing over the PROVEN issues and merely stating what is “showing as available” now has no bearing on what transpired then.

  You have a responsibility to provide the services as advertised upon receiving payment, not at a LATER time (after I’ve already asked for a same day refund).

  Company’s response is also not addressing that THEIR company representative told me to call in for a refund.  I have already provided proof of this conversation by way of a screenshot of the chat I had with a Nav representative.

  I did exactly as your representative told me to do, call in, and your company then reneged on issuing a refund.  

  I immediately reported the issues I was encountering, I provided substantial proof, and I asked for a refund the same-day.  There was no delay.  
  

  We are talking about a mere $29.99 here.  The company not simply issuing the refund in good faith is demonstrating their unwillingness to own up to their website issues and clear failure to provide services paid for.

  Only secondary to all of the above... is the Nav Prime Card.  Your CA disclosures are not clearly advertised. None of the screenshots I took of your membership advertisement included those disclosures.
  

  However, based purely on the proven SBSS - FICO issue, the proven Nav Business Checking account issue, and my proof of what the company’s own representative said, my refund should be issued in full.  Not doing so simply showcases this Company’s bad practices and attempts to negate my proven consumer experience entirely.

  Business Response

  Date: 11/07/2023

  Hello ******,
  
  After reviewing this complaint again, we are able to confirm that you had access to the FICO SBSS report 2 hours and 11 minutes after you upgraded your account to Nav Prime + SBSS membership. This is within normal perameters of getting this product available to customers. 
  The Nav Checking account was (and still is) available in CA at the time of you creating the account, it’s only the Nav Prime Charge Card that isn’t available at this time. Again, you have been and are more than welcome to open a Nav Checking application on navchecking.com. 
  In regards to the Nav Prime + SBSS membership charge, we can see that a dispute was filed on October 24th. A response through the proper channels will be made on that.
  
  

• Initial Complaint

  Date:08/11/2023

  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.

  for years i have been paying for this credit monitoring service and my information has never been correct costing me thousands in founding

  Business Response

  Date: 08/22/2023

  After a review of this customer's account and contact history with our Customer Service department, we will not be issuing a refund. From a review of the customer’s interactions with our Customer Service department, it appears that the customer’s issues are with connecting banking information through our cashflow widget. This is a service that is provided at no cost and comes with our basic free accounts. The product this customer paid for with this account is: access to personal and business credit reports, personalized alert monitoring, and tradeline reporting to the business credit bureaus. These services have been provided.  
  If the customer has any concerns regarding the accuracy of credit report information, disputes must be brought to the relevant credit bureaus directly.  Nav Technologies, Inc. does not have the ability to modify or correct information on credit reports.
  
  

  Customer Answer

  Date: 08/23/2023

   
  Complaint: ********
  
  I am rejecting this response because: none of my credit information is correct and has never been my cash flow is incorrect the service i paid for has been useless  
  
  Sincerely,
  
  ****** *******

  Customer Answer

  Date: 08/23/2023

  none of my information is correct and when i called customer service they made matters worse and refused to offer help i feel like this site is a scam

• Initial Complaint

  Date:08/02/2023

  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.

  On July 26 i noticed some unauthorized charges and requested my account be frozen until I change my passwords and get another virtual card. Its been a week later and they are refusing to unfreeze my account even though as the account holder I know Ive change all my passwords and no unauthorized charges are coming out my account. They are refusing to let me access my own money even though *** asked them several times to unfreeze my account Im at the point where I just want to close me account and get a check sent out if my money doesnt become available soon. I would like this resolved immediately

  Business Response

  Date: 08/03/2023

  Nav Technologies, Inc. (Nav)  made contact with this customer and her account has been unfrozen, and they have access to their funds. A Nav representative emailed her an ACH dispute form to fill out and send back so we can dispute the transactions that the customer states are not authorized.

• Initial Complaint

  Date:06/30/2023

  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.

  Ive been wanting to cancel my subscription with you for quite sometime now. However, each attempt has led me nowhere other than to update my membership. Which really meaning upgrade such membership and spend more money on a service I no longer wish to have nor have any use for. Youve sent me emailing repeatedly mentioning verbatim to cancel such membership if payment method continues to not go thru. Which I am COMPLETELY fine with. However you seemed to have charged my card randomly/systematically when ever you please with out my authorization. Very unprofessional and distrusting company. You make doing business so much harder for the consumer. And lead the consumer with false information. I simply wish to have my subscription canceled.

  Business Response

  Date: 07/05/2023

  From the message, it sounds like the customer is primarily a user of our app. To cancel their paid plan, the customer will need to *************************** to Settings, Manage Account, and select "Deactivate Account".

• Initial Complaint

  Date:06/29/2023

  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.

  Nav Froze my account on or around the 27th of June with no warning or notification and left my funds unavailable to me when I needed them immediately. I had unauthorized transactions on this account in the amount of over $1,400 dollars and had to file a dispute with *****. I have since won the dispute with **** but I feel NAV has frozen my account and placed it under a security review even when I have informed them I canceled all my debit cards after the unauthorized transactions and got new ones there is no more unauthorized transactions being charged and the account is secure I as the account hold know for a fact everything is above board even if NAV does not. I feel this just retaliation for my dispute that for some reason NAV has a problem with.

  Business Response

  Date: 06/30/2023

  On 6/27/2023, the account in question was frozen due to a flag in our security system. After reviewing what caused that flag, we have removed the freeze as of 6/29/2023.