NavReviews of nav.com

Don't go with NAV unless you're fully informed and they are able to definitely help you. I have no idea how I got listed on their site, but they would NOT allow me to close it! You are forced to speak to their representatives M-F during specific times, and they will try to talk you into keeping it. If you try to delete online their "agent Bot" will kick you out and delete conversation!!

To be honest, using this service was extremely disappointing. After signing up, the charge card/and checking account was discontinued and everyone was placed on a wait list for a secondary charge card which was supposed to be rolled out, but never was. I also didn’t like how you could not view all of the information relative to your credit through the NAV mobile app or online. One example relating to lack of information is, I found out that my business was being reported as having 3 locations to Experian but this was only after checking my business credit profile through Experian. When I reported this to NAV they of course, projected the reported issue and made it seem as though I wasn’t looking in the right place on their website. Additionally, I was paying almost $60 a month and couldn’t see who was inquiring about my credit profile which was concerning because for several months, a financial company was inquiring about my credit profile. When I asked customer service about I was told that “no one can actually see who is pulling your credit or inquiring about your credit which is why it was showing up as financial services”. This was not a sufficient enough answer and I thought based on what I paid for that I should have gotten more since they advertised that it was a “one stop shop”. Upon me closing my account and the tradeline, I received an alert that my score had dropped 34 points! To be clear, business credit is ranked on a scale of 100 so for it to drop this much, was asinine, not to mention this was not told me upfront. To make matters worse, they continue to send me notifications with limited information using their “ranking system” which actually doesn’t align with other algorithms and scoring scales used by the credit bureaus. If I would have known that closing 1 tradeline would have caused my credit score to drop this much, I would have never signed up for NAV as it was a complete waste of my time.

I received the Nav Prime Card and decided to use $25 to just begin the credit building process. I set up repayment with my business card connected to the same account as my membership. I keep getting the same results. Payment goes thru successfully,but the next day it says it failed. Used several payment methods to get the same results. (DON'T GET THE CARD)

I would make it zero stars if I could. This afternoon we signed up for the monthly plan to get the 3 credit reports paying in advance for an entire quarter. Instead of finding official credit reports, we got directed to 3 different pages that give 1 or 2 bits of information but a majority is links to upsell you on more of the NAV product. The name of our business is hidden at the bottom. Most all primary details of a credit report were missing. I was hoping to have pdfs of each credit report. They have nothing to print. Only links to upsell. I called customer services. The rep was pleasant but had no idea how to address the issue. Then, I ask to speak to a supervisor. Nope. I have to wait 2 days for a call back. Then I asked for a refund. Mind you, I just paid for 3 months of service within 10 minutes of me calling customer service. NO REFUND. I would be charged through May. Stay very far away from Nav. Upselling, false advertising, won't give a customer the respect for a manager to get on the phone and NO REFUNDS even though I paid 10 minutes ago. Terrible. Contacting the BBB now.

Nightmare! Every 3 days I get messages that your bank account has to reconnected. Then it works! They charge and still can’t see what is going on. Get a different story from each representative.

I paid for Nav Prime because of the specific banking, card, and credit-building features included in the membership. Those features were a major reason I opened the account and continued paying. Nav later discontinued important parts of the service, including the checking debit card and the Nav Prime Card, but still kept my paid billing cycle active until May 16, 2026. When I asked for a refund of the charges I had already paid, support refused. This is not just a normal cancellation issue. I paid for one offering and ended up with a materially reduced one. I would never have signed up if those original features had not been part of the service. Very disappointing handling of a paying customer.

I would love to know this companies company statement. Should be you cant talk to a human until level 3 payment platform has been achieved. You are required to run it yourself if not As someone who was in the debt industry and understands it well - this place is nothing more then a Pyramid Sceme Good Better Best Packages Pay more to talk to a human Imagine calling a company you pay You ask for a human to review the last year plus of your account Paying blindly for this time Only to be told - give us more money and we can see what we can do 0 Business Ethics I mean is a company in business based on the inaccurate reporting of another company / credit bureaus And we sit here and pay for THEIR MISTAKES What a World we live in Thank you all for doing the LEAST AMOUNT OF WORK /EFFORT in your job

My experience has been really negative with Nav. I signed up in October and they told me that they reported my account now three times to my Dun and Bradstreet yet as of February 8th, 2026 nothing is reporting. They kept telling me that they'll get back to me that they're going to research this and they never did. I sent them multiple emails with no resolve. I have since canceled my subscription and four and a half months later nothing has been resolved and the account is still not reporting.