Navy Exchange

My name is Shandar in 2008 I applied for a 2000 credit card. I had served 6 years by this time and needed some help.
I had left the Navy and long forgot about my debt. I did not get any mail or reminders to help me remember to pay. I finally was able to file my taxes in 2021 not being able to work in 8-10 years. I was told that they would be keeping the entire refund that was around 4000 and when I called NEX to confirm they told me I had 18.24% In interest and had accrued an additional 4000 more to pay. I was loaned 2000 and ended up owing a total of 8000 . This was very upsetting to me!
I strongly recommend that you look into applying for any oan with NEX! The interest are too high and NOTworth it!
They will never inform you of any updates or changes in the interest rates and they are never willing to work with you.

As a weekly shopper at 7151 Earhart Drive, Orlando FL, 32827, I visited the store and went about my business as usual to fill my cart and make my purchases. Unfortunately what I witnessed today, and other times before made me feel very uncomfortable for the last time. I even left my shopping cart full of items without purchasing anything and left the store. I can't bear witness anymore to the harsh disrespectful treatment a manager (Ana Garcia) gives to her employees and customers as well. As I'm going down an aisle I notice one of the items on my list to buy (rubbing alcohol) and decided to place a few in my cart since there were no signs displaying any quantity limits. I finally decide to check out and was told by the cashier there was a limit on the rubbing alcohol. I explained there were no signs stating the limit of quantity allowed. The manager (Ana Garcia) was called and I explained the same to her. Her tone and explanation was very cold and dry as to why I couldn't purchase the amount I had in my cart and followed it with (exact words: "I'm just following the rules") as she abruptly walked away. I was left feeling very uncomfortable and upset. It made me feel responsible to report how she treats her employees in the same manner as well. I have witnessed her unprofessional behavior towards her employees before but I've never felt the need to report it until now that she has made me feel the same way she leaves her employees feeling and yet they are required to work with a smile. I've heard her yell at her employees and reprimand them on the retail floor in front of everyone which is very unprofessional, disturbing to witness and hear while trying to shop, and watching other managers witness her rude behavior and stand and do nothing makes it even worse to be a witness of. I won't be shopping at this store for a while. I love the store and it's quality of goods but if I need anything I will be sending someone on my behalf. This experience with this manager (Ana Garcia) and what I've witnessed several times has finally obligated me to write to corporate as well as HR. She definitely needs to be reeducated on mannerism to help make the retail store a better and relaxed place to shop at. Hope my efforts on taking action helps and this problem is rectified quickly and no one turns a blind eye.__

Received advertisement card stating DASH IS SERVING UP A BAKER'S DOZEN. It states
in BOLD PRINT every card has a discount of at least 15%, 25%, or 50%. Upon checking out at register, cashier scratched off December 24 area to reveal 7% discount. I protested and
was told I would need to contact NAV EXCHANGE Home Office because they supplied the
special discount cards which were valid from 12 - 24 December. This is very misleading advertisement. It is even printed in bold white on a very BOLD RED background. Also, the
numbers 15%, 25 % and 50% were in VERY LARGE print. Cashier said other persons have
complained regarding the same advertisement and were told to call the home office.
This is terrible ad and acts as a "come-on". I purchased a Toaster/Air fryer for $89.99.
Discount at register was $6.30. Assuming the discount would have been at least 15%, I
would like my extra discount of $7.20. This probably falls on deaf ears.

Bad experience with Army & Air-force Exchange. I will never ever used them again concerning any credit card from them. Its better to use cash. Lets put them out of business. Here is a word of wisdom. As a solder in the arm force or retired. When considering credit from Army & Air-force Exchange, let your answer be no and use your own cash, when purchasing items. Not only will this save you money with respect to interest rate, but this will also allowed you to only buy the items you can afford and save you and your family a lot of money in the long run.
Remember the golden rules. The items you want to purchase is it a want? or a need?
This is what happen to me. I was not able to pay the minimum monthly payment, due to reduce in monthly retirement payment. However I was able to send each month at least $50.00 and I wrote letter concerning my circumstance with certified proof.
Next I received a demand letter from Army & Air-Force Exchange demanding me to pay what I was not able to pay. I responded back explaining what I could currently pay which was $50.00 per month. However next I received a letter from their collection agency, which I believe is next door to their headquarters office. My wife and I completed their hardship application in a timely manner and provided all the materiel documents including bank statement and mail it back to their collection agency by certified mail. Next thing what happen the collection agency took its time and claimed that they did not received any bank statement, which was false. Moving forward the following next month my retirement check started to be garnishment each month on top of my monthly payment of $50.00 a month. One thing I want you to keep in mind, when I open this account it was a single account and not a joint account with my wife name on the contract, now with that said. Guess what happen next despite my request for a copy of the original contract Army & Air-force Exchange cannot produce the contract or refused to.
next thing that happen, was my wife and I joint taxes returned was also garnish. How could they garnished my wife part of the income taxes, she was not a part of my contact she did not signed any contractual contract or agreement with Army & Air-force Exchange, when I initially signed-up, for which this materiel evidence is now have disappear by the hand of the Exchange.
The good news we was able to file a form with the IRS, to investigate of founds, that do not belong to Army & Air-force Exchange and this action that was taken by the Exchange in my opinion is considered fraud. Exchange should have only taken from my income taxes returned and not from my wife hard-earning refund that was due to her.
My wife and I plans are to sue the Exchange and their collection agency called Transworld Systems, Inc. Remember no company is above the law.
Please use wisdom the next time you as a solder or retired considering using a credit card or credit from the Exchange, when you can use your own money and avoid extra expenses that can be avoid. God bless the reader of this post.

Bad experience with Nex Car Care Center, Naval Base 32nd St., Bldg 3341, San Diego 92136, Phone 619-544-2289. Brought my car at around 12:15 p.m., it took about half hour before the guy helped me. I went there for tire rotation and wheel balancing only but he said it may not finish until end of the day. I left the car there and went to the main Exchange. Around 1:45 p.m., I got a call and the guy told me that they will not rotate the tire as the tires are too old to rotate, 5 years old. Actually, tires are not even 5 years old as the tires were bought August 2013 and today is only May 23, 2018. My understanding is that the tire rotation and wheel balancing are covered by the warranty I paid (TSA tire rotation/balance). I explained to them that all I want is to have the tires rotated and I'm just driving the car around San Diego. He was also telling me that the inside of the front tire is worn out. Another thing is that they are not putting the right Odometer reading, it was 202,534 when I brought my car in and what recorded in the voucher was 181504. I thought that they are serving the military but I feel they are after the commission as they want to sell new tires. When I got home, I checked the tires and rotated the tires myself. Those tires are still good for another two years as I don't drive the car far.

I have another friend that brought his car for the noise he was hearing under the car. He was quoted $2,000.00 so he didn't get the service there. He took the car outside and found out that the problem was only a hole in the exhaust pipe. He spent only $175.00 to replace the pipe with hole.

Items I ordered were lowered in price while my shipment was still on its way and the NEX refused to refund the difference.I placed online order OXXXXXXXX online on November 25, essentially yesterday. Today is Thanksgiving so no postal service is working. I noticed around midnight on the 26 that 5 items of my order that were still available for purchase on the NEX site were lowered from $4.96 to $3.22, a difference of $1.74 each for a total of $8.70. The items in question are the following Disney Infinity figures: Hawkeye (NEX #XXXXXXX), Groot (XXXXXXX), Drax (XXXXXXX), Venom (XXXXXXX) and Thor (XXXXXXX). I reviewed the NEX's policies and NOWHERE does it state that I cannot request a price match for these items. As a matter of fact, if you review the NEX's price policies, they essentially bend over backwards to match prices for their customers. Consequently, I replied to the email that had all my order information and indicated that I wanted a refund for $8.70 for price match on these items. I received a reply from the NEX indicating that "Thank you for your email. Due to the assortment of sales we are running this weekend, sale prices will continue to change. Unfortunately, we are not able to adjust prices to honor the current sales because each sale is an exclusive day sale that is not excluded under our 14 day price match guarantee policy." I read their 14 day price match guarantee and I do NOT understand how this representative tells me that my request is not "excluded" (Typo since he meant INCLUDED). Their 14 day price match guarantee clearly indicates that if I find a lower price be it at the NEX or even at any competitor, they will MATCH IT! Why in the world would they not match my minor $8.70 request?? Did not make any sense, so I decided to call in. Representative Roberta answered the phone and it took her almost 10 minutes to finally allow me to state my case. I asked for a Supervisor and Kevin came to the phone, who claimed to be "one of the leads here." I argued my case, but this time Kevin looked for a different reason than the email and stated something about these items ending in 96 or something, which meant, ACCORDING TO HIM, that these items were on clearance and therefore, per the NEX policy on price match exclusions that says, "Not valid on double/triple coupons, clearance, refurbished goods, percent/dollar off items, flea market sales, going out of business sales and commissary prices," I was NOT ENTITLED to a Price match. I explained to him that these items that I am referring to are NOT marked as CLEARANCE, but as on SALE!! These same identical items are being sold in EVERY MAJOR RETAILER RIGHT NOW like Amazon, Wal-Mart, Best Buy, Target, etc, so how can he tell me they are on CLEARANCE!? Still he kept saying that it did not apply because of their technicality of a price ending in some number, which is information TOTALLY ALIEN to the customer! It was a very ABUSIVE experience to me as a customer from a retailer that should be all for the contrary of that. I took screen shots of all the items in question that CLEARLY show that the new price is marked as a SALE, not as clearance! I also took a screenshot of a TV that is actually on clearance and it does say CLEARANCE over the price in there! I feel that I was mistreated as a customer for miserable $8.70 for no reason as the evidence clearly shows that I am entitled to a price match per the NEX policy. I decided to file this complaint based on the the fact that this "lead" was not going to help me and was impossible to reason with, sticking to his claim about some number meaning they are clearance prices, but the website which is what the CUSTOMER SEES does NOT say that anywhere. I believe my request falls perfectly under the 14 day price match guarantee. I have not even received these items, yet!! Incredible.Desired SettlementPer my reasons above, I would like to request that the NEX does the right thing and refunds me my $8.70 price match difference for these items. Also, I would like for them to instill a bit of common sense in their "leads" so that they are able to reason with the customers and not argue on technicalities to make our lives miserable for $8.70. Not worth it and everybody loses. That is not good customer service and the reason why juggernauts like Amazon, Wal-Mart, Target, and the such keep prospering because they understand that. Please help. Thank you.Business Response Contact Name and Title: Christa F[redacted],SupervisorContact Phone: XXX-XXX-XXXXContact Email: [redacted]@nexweb.org12/18 - This concern was directly related to myNavyExchange.com Customer Contact Center, not the Navy Exchange in Memphis. General Manager Matthew B[redacted] forwarded this complaint on to me. Customer was contacted via phone and was informed that a CREDIT of $8.70 was processed per his request. Customer stated that his faith had been restored in the Navy Exchange.Consumer Response (The consumer indicated he/she ACCEPTED the response from the business.)Mrs. F[redacted] was very professional, courteous, and had common sense to understand the perspective of the customer, as well as recognizing that I was correct when I pointed out that the price reduction on the items I complained about were not marked as Clearance as their "lead" Kevin had erroneously claimed. I could only wish that all supervisors and leads at the NEX were like her. She solved my problem. Thank you.

Removing an authorized user from a credit account.I attempted to remove an authorized user from my credit account today with the Navy Exchange. I was told by a customer service agent and their supervisor that they will not remove her as an authorized user today, that to call back in 48 hours to remove the authorized user due to "system limitations." I stated that I am calling to remove an someone who no longer has my authorization to use the credit, and you are telling me call back later. And that any transactions made I will not be accountable for. Of, course I will be since they will not remove the individual from my account, at this time. Account and user protection seem like after thoughts. Desired SettlementI want the person I deem as no longer an authorized user of the account removed from my account.Business Response Contact Name and Title: Theonne A H[redacted] CRMContact Phone: XXXXXXXXXXContact Email: [redacted]@aafes.comRemoving an authorized user automatically creates a new card number in our systems. The agents weren't refusing to assist, our system limits the amount of high level changes to any account holder's account. Per our terms and conditions, all account holders are responsible for any debts incurred by authorized users they elect to add to their accounts. However, during the time of transfer (removing an authorized user) the old account number is blocked from use, so the account holder has no chance of the authorized user charging after the removal has been submitted.In this case, the customer's old authorized user was removed and a new one was added to the new account number.