A charge from “Nav Tech” or “Nav Technologies” paired with the phone number 855-226-8388 on your bank or credit card statement is a recurring subscription fee from Nav, a financial technology company that sells business credit monitoring memberships to small business owners.1Nav. Terms and Conditions The charge matches one of Nav’s paid Nav Prime tiers, which bill monthly or quarterly until you actively cancel. Not using the service does not stop the billing.
Matching the Charge to a Plan
Nav Prime has three paid tiers, each billed monthly with a 20% discount if paid quarterly:2Nav. Nav Prime
- Track at $39.99 per month — business credit scores and reports from major bureaus, plus two personal credit scores.
- Build at $49.99 per month — everything in Track, plus a reporting tradeline and bookkeeping tools.
- Expand at $74.99 per month — everything in Build, plus credit coaching and FICO SBSS score tracking.
Your statement charge should line up with one of these amounts, or a quarterly figure reflecting the 20% discount. Some older plan names still appear on statements too, such as “Business Boost Quarterly,” which Nav rebranded to Nav Prime Build.3Better Business Bureau. Nav Customer Complaints
Why the Charge Keeps Coming
Nav’s terms authorize recurring billing of the payment method on file until you take one of two specific actions: downgrade to the free tier, or cancel the account.1Nav. Terms and Conditions A few points about how this works in practice:
- Logging out and ignoring the service does not stop the charges. An active membership keeps billing whether you use it or not.
- Downgrading and canceling are not the same thing in Nav’s system. Moving to a lower or free plan stops paid billing, but the membership itself remains open until you expressly cancel.
- If a charge fails, Nav’s terms let the company retry, including on alternate payment methods you previously saved to the account.1Nav. Terms and Conditions
In billing disputes filed with the Better Business Bureau, Nav generally takes the position that if its internal records show no cancellation request, the charges stand.3Better Business Bureau. Nav Customer Complaints
How to Cancel
There are two ways to stop the billing directly. You can call Nav customer support at 855-226-8388, or you can downgrade your plan through the account settings page on Nav’s website.1Nav. Terms and Conditions Nav is also reachable by email at support@nav.com and through in-app chat.4Nav. Contact Nav Have your account details ready, because Nav verifies identity before changing an account.
Multiple reviewers have reported that cancellation requires a phone call, which some describe as a friction point designed to discourage canceling.5ConsumerAffairs. Nav Technologies Reviews Whichever method you use, keep a record: the date, the person you spoke with, any confirmation number, and screenshots of any account page changes. This evidence matters if you later have to dispute a charge.
Getting a Refund From Nav
Refunds are harder than cancellation. Nav’s terms do not promise refunds for periods when the membership was active, and the company has cited that policy when denying refund requests through the BBB. Nav has, however, issued partial or full refunds in some cases as what it calls “an exception to our current terms and conditions,” particularly after a consumer escalated the dispute.3Better Business Bureau. Nav Customer Complaints There is no guarantee, but persistence has produced results for some customers. If you escalate, do it in writing and keep copies.
Disputing the Charge Through Your Bank
If Nav refuses a refund and you believe the charge was unauthorized or came after you canceled, you can dispute it with your card issuer or bank.
For credit card charges, the Fair Credit Billing Act lets you dispute billing errors in writing within 60 days of the statement date. Send the letter to the issuer’s billing inquiry address and include your account number, a description of the charge, and supporting documentation. The issuer must acknowledge the dispute within 30 days and resolve it within 90 days, and you can withhold payment on the disputed amount during the investigation without being reported as delinquent.6Federal Trade Commission. Using Credit Cards and Disputing Charges
For debit card or bank account charges, the Consumer Financial Protection Bureau says to notify your bank immediately. Banks generally have 10 business days to investigate and must issue a temporary credit if the investigation runs longer. The overall resolution window for most domestic transactions is 45 days.7Consumer Financial Protection Bureau. How Do I Get My Money Back After an Unauthorized Transaction
If your financial institution does not resolve the issue, you can file a complaint with the CFPB at consumerfinance.gov/complaint.
What the Complaint Record Shows
Nav’s BBB profile lists 81 total consumer complaints over the most recent three-year period, with 25 categorized as billing issues. The company responded to 77 of them, but only four were resolved to the customer’s satisfaction.3Better Business Bureau. Nav Customer Complaints A representative January 2026 complaint described a customer who said they canceled in March 2025 and was charged $159.34 every three months afterward, for $478.02 total; Nav denied the refund. Other recurring themes include being charged for features that never worked and accounts allegedly opened without authorization. Set expectations accordingly: canceling now will stop future charges, but recovering past ones often depends on your card issuer or bank, not on Nav.
If the Charge Involves the Nav Prime Card
Separately from the membership subscription, Nav offers a business charge card called the Nav Prime Card, issued by Thread Bank through a Visa license; Nav itself is not a bank. The card uses daily repayment, pulling the balance from your linked checking account each day. Some BBB complaints about frozen or inaccessible funds trace to the card and its banking partner rather than to the subscription itself; Nav attributes those holds to compliance investigations conducted by Thread Bank.8Unit. Nav Case Study If your issue is with the card rather than a membership fee, that distinction matters when you call support.