Sailors who received an increase in their housing allowance this year because they got married or moved to a higher cost-of-living area have been forced to wait months for their increase in their paychecks, forcing some in the Navy to take out loans from their banks.                                                                                                                                                                                                                                                     

Gillian Gonzalez, vice president of the Navy-Marine Corps Relief Society (NMCRS), said her organization has seen a rise in requests for loans from sailors struggling to pay for living expenses. One sailor hadn’t been paid for three months, Gonzalez said. 

Despite the sailor's command to "work daily" to resolve the issue, the sailor used all the savings he had. NMCRS delivered a $2,500 check to the sailor's door because he was under quarantine for COVID-19.

According to Navy Personnel Command's Matt Knight, the Navy is required to process housing change requests within 30 days, but delays can occur. There was no response to questions about how many sailors are affected by the backlog or why it occurs.

The sailor complained on Reddit that she and her husband were married in July but hadn't received their basic housing allowance. 

The sailor's Reddit post indicates that the couple, both third-class petty officers living in Washington, D.C., have taken out commercial loans to cover their expenses. Others on the social media site said it took them more than a year to resolve their issues.

The problem stems from the consolidation of personnel support and customer service units, which started in 2017. 

MyNavy Career Center was created in September in an effort to better serve sailors.
MNCC is the Navy's human resources service center, commonly referred to as the MNCC call center or just MNCC.

It takes 30 days for this system to process, followed by 30 to 45 days for review and release - a process that can take three months or more.
                                                                                                                                                                                    
Knight says that the consolidation of pay and personnel transactions has increased standardization, reduced errors, improved pay accuracy and timeliness, as well as improved audit readiness.

However, the Navy is aware of its problems. During a Navy town hall in June, a petty officer first class asked Fleet Master Chief Wes Koshoffer when the Navy plans to consolidate the differing personnel data websites, eliminating redundancy and reducing the possibility of errors.

Sailors must check in with the Navy Standard Integrated Personnel System, Defense Enrollment Eligibility Reporting System.