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Can't use card to make purchases. On XX/XX/XXXX and XXXX, I got text messages from XXXX XXXX XXXX saying my monthly cell phone service could not be renewed. My monthly cell phone bill has been charged to my navy federal XXXX credit card every month for XXXX years without an issue. When I called XXXX XXXX XXXX on XX/XX/XXXX, I was told my bank had declined the charge. COMPLETELY UNACCEPTABLE!!! I sent an email to navy federal demanding to know why they would refuse a legitimate charge that had been recurring for XXXX years and explained that instead of continuing my monthly charge on my XXXX, I switched to my XXXX card. The incompetent navy federal employee who responded without providing their name of course said that an authorization code was required and he/she was happy I was able to