NAVY FEDERAL CREDIT UNION


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"Products" offered by NAVY FEDERAL CREDIT UNION with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Rental debt
Debt collection - Telecommunications debt
Debt or credit management - Debt settlement
Debt or credit management - Mortgage modification or foreclosure avoid
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - Second mortgage
Mortgage - VA mortgage
Other financial service - Check cashing
Other financial service - Debt settlement
Other financial service - Traveler’s/Cashier’s checks
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Other advances of future income
Payday loan, title loan, personal loan, or advance loan - Payday loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Prepaid card - General-purpose prepaid card
Prepaid card - Gift card
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 8104741

Date Received: 2024-01-05

Issue: Problem caused by your funds being low

Subissue: Non-sufficient funds and associated fees

Consumer Complaint: To Whom It May Concern, I am writing to file a formal complaint against Navy Federal Credit Union for their practice of imposing excessive return item fees. Recently, I have been subjected to a series of fees that collectively amounted to the entirety of my paycheck. This action has not only been unethical, but it has also caused significant financial hardship for my family and me. The imposition of such heavy fees in one instance seems to demonstrate a lack of consideration for the financial well-being of members. It is distressing that an institution, which should have the best interest of its members at heart, adopts such practices that appear to be predatory and indifferent to the consequences faced by its customers. I urge the Consumer Financial Protection Bureau to take my complaint into serious consideration and to investigate the fee structures and policies applied by Navy Federal Credit Union. It is crucial to ensure that consumers are protected from unreasonable and burdensome financial practices. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX

Company Response: Company believes it acted appropriately as authorized by contract or law

State: FL

Zip: 32714

Submitted Via: Web

Date Sent: 2024-01-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8103348

Date Received: 2024-01-05

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: For a couple of weeks I have been making deposits. Often Navy Federal moves the deductions and takes money from my account for purchases twice. For example I made a payment for {$410.00} on XX/XX/24. the payment was taken from my available balance. Today I made two deposits totaling {$890.00}. The payment has been moved to posted XX/XX/24 and has been deducted from my balance again. I have gone into the branch, called and emailed. I have asked that an account specialists audit my account. I have asked for a detailed break down of each transaction with balances, not received. I went to an ATM and it did not disburse funds, but the money was deducted from my account. Navy Federal removed the whole transaction once the ATM company completed the return, but they never replaced the funds. No one will listen and as well I have been hung up on by the supervisor.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: NV

Zip: 89147

Submitted Via: Web

Date Sent: 2024-01-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8102865

Date Received: 2024-01-04

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Consumer Complaint: XX/XX/ my Navy Federal XXXX card was compromised and used to purchase {$420.00} at XXXX XXXX XXXX located in XXXXXXXX XXXX I got a copy of the receipt as proof that I did not make this purchase I filed a police report with XXXX XXXX XXXX Police Department with the name of the person that I do not know nor did I give authorization for my XXXX card to be used my card information was stolen and used to make this purchase the receipt police report as well as my statement has been submitted to Navy Federal who refuses to take this charge off of my credit account what other steps should I take this is not my debt

Company Response: Company believes it acted appropriately as authorized by contract or law

State: AL

Zip: 36609

Submitted Via: Web

Date Sent: 2024-01-04

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8101341

Date Received: 2024-01-03

Issue: Problem with a lender or other company charging your account

Subissue: Transaction was not authorized

Consumer Complaint: I am reaching out and seeking counsel to file a lawsuit against Navy Federal for improper debt collection and the illegal freezing of my and my husband 's accounts. Upon thorough examination, it has come to our attention that there are substantial irregularities in the legal procedures followed, and we believe that the actions taken by Navy Federal may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ). This is in direct contradiction to the provisions outlined in the FDCPA, specifically, Section 807 ( 11 ), which expressly prohibits the false representation or implication that a debt collector has the authority to seize, garnish, attach, or sell any property or wages without a valid court order or proper legal process. Additionally, our due diligence has uncovered disturbing information about XXXX XXXX XXXX, who is not a law firm, but a debt collector. We have contacted the Supreme Court of XXXX XXXX, where it appears that a judgment was filed without proper presentation and assignment to a judge. Furthermore, we have received an email from an individual named XXXX, inquiring about the total amount frozenthis is the same individual associated with the initiation of the request. Moreover, attempts to contact XXXX and XXXX through provided numbers have been futile, as they are either disconnected or redirected to personal cell phones. It is noteworthy that XXXX and XXXX are not accredited through the XXXX XXXX XXXX, and multiple complaints have been registered against your agency. Additionally, I never signed an agreement with XXXX XXXX XXXX, and the response from Navy Federal that we have received, was because my husband has access to my accounts, they have to place a freeze on all of my personal accounts. Currently, we have $ XXXX that is being held up and no access to these accounts.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: VA

Zip: 22191

Submitted Via: Web

Date Sent: 2024-01-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8100088

Date Received: 2024-01-03

Issue: Problem with a lender or other company charging your account

Subissue: Transaction was not authorized

Consumer Complaint: On or around XXXX XX/XX/2023, Navy Fed allowed an unauthorized party to deposit a fraudulent check into my account without my consent. Unknown to me, my credentials were already obtained by this person. Either this was well planned or just a coincidence. The check went through and some of the funds were stolen from my account totalling around {$5500.00}. A couple days after this, the check showed up as returned. This is accurate to the best of my knowledge as I didn't notice It until the day of XX/XX/XXXX I believe it was when I checked to see if my military pay came yet. I reported it asap once I noticed the charges on my account. I've been waiting for word on this case since my rebuttal I sent in early XXXX I've reached out to the bank directly and all I'm told is it's still getting looked at, my other case on this submitted with CFPB states my bank won't reimburse me or cover it but I've yet to recieve anything in writing & actual notification from my bank with their decision. NFCU has a 0 fraud tolerance policy which I believe I 100 % fall under due to this being unauthorized and fraud, it seems Reg E is black and white as far as consumer protection. This is a severe injustice for them to tell me it's my fault and I'm now responsible for it eventhough I did nothing wrong to be in this position. My credit is destroyed along with the huge financial burden caused by this since the bank won't reimburse the funds that were stolen from. I've submitted claims and cases everywhere I can without a resolution from the bank, CFPB, XXXX and a couple others I can not remember. I have also submitted a fraud affidavit I believe it's called and sent it to the credit reporting companies. ( I can attach if needed but its a few pages ) Every time ive called and spoken to a fraud investigator, its taken a few hours of getting transferred just for them to finally say it looks good to go and I shouldn't have an issue getting refunded but NFCU will work my case in the order it was recieved, it was Recieved in XXXX. Please help, this has been a huge headache dealing with this since XXXX and being denied a refund for unauthorized charges that were reported asap. My XXXX XXXX is tracking the issue and is willing to step in and vouch if it would make a difference.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: WY

Zip: 82001

Submitted Via: Web

Date Sent: 2024-01-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8099837

Date Received: 2024-01-03

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: I have a Navy Federal Savings Account XXXX which I have received monthly statements as well as their own website which shows an available balance of over {$1000.00} but when I went into the branch today to withdraw my money I was told the account has been closed for a long time and that I am incorrect this is simply impossible the most recent statement which the bank mailed to me is dated XX/XX/ so I am not sure what the bank is trying to pull here but I demand my money.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: FL

Zip: 33573

Submitted Via: Web

Date Sent: 2024-01-03

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8098237

Date Received: 2024-01-03

Issue: Opening an account

Subissue: Unable to open an account

Consumer Complaint: Had a credit account that was assigned in my divorce. Unfortunately, Navy Federal Credit Union charged the account off as a bad debt. I contacted Navy Fed and inquired about this debt and ability to open a checking account once this was paid off. The rep on the phone said yes, once paid off you will become eligible. XX/XX/XXXX, account was paid off with letter in hand stating balance was XXXX and now Navy Fed has changed their position and said I am now permanently banned from opening an account. They decietfully lied to me in order to get this account paid off. I have been informed that there is no way I will be allowed to open any accounts because Navy Fed lost money even though the account is paid off. This is their problem not mine and I am being punished for it. I was intentionally misinformed and now they don't want to make good on their promise to allow me back as a member now that the debt is paid off.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: MN

Zip: 553XX

Submitted Via: Web

Date Sent: 2024-01-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8097975

Date Received: 2024-01-03

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: I have a Navy Federal account that was opened back in XXXX. I called multiple times and was told that my account was stuck in pending closure. On or around XX/XX/2023. I walked into the bank submitted proper documents and was able to withdraw {$100.00} something I had in my account. I was told that if I wanted to get money from my account, this would be the procedure from now on. My account status was in a pending closure since XXXX when it was open. I asked them if I was able to deposit a check I received and they said yes, your account is able to take credits but if I wanted to withdraw then the same procedure I just went through earlier would be done. I said, okay I am fine with that. I deposited the check, they said it would be on hold for an additional 5 days. I was fine with that. Fast forward to XX/XX/2023, the hold has passed and I walked into the same branch, asking to withdrawal. They declined my request and told me to wait for a banker. The same banker who helped me last time didnt help me out this time. He called navy federal security and told them about what I was trying to do and also told them that they should put a restriction on my account. Since than I have not been able to withdrawal from my account. I also submitted and appeal and theyve requested additional documents. My account has been stuck in this closure status for a long time because they could not verify my identity. Since I submitted an appeal and all documents theyve requested from me theyve declined and did not overturn their decision. I felt like I was being mistreated. I felt like I was robbed. I depended on this check so I could pay my rent but now, Im stuck in an eviction battle with my current landlord. This frustration and anger that Navy Federal Credit Union has caused me, I dont think I will ever recover from it. I am facing so many financial hardships. Im about to be homeless. I needed to pay rent and they just held onto my money. Why is there such thing as a credit only for an account thats in a pending closure? I consider this fraud.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: CA

Zip: 92840

Submitted Via: Web

Date Sent: 2024-01-03

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8097851

Date Received: 2024-01-03

Issue: Managing an account

Subissue: Cashing a check

Consumer Complaint: I deposited a check for my husbands annuity pay that was paid out to him from the XXXX XXXX, the bank said the check was fraud even though they received the funds, it has been over a year and they still have yet to release any funds

Company Response: Company believes it acted appropriately as authorized by contract or law

State: WA

Zip: 98445

Submitted Via: Web

Date Sent: 2024-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8097422

Date Received: 2024-01-03

Issue: Problem caused by your funds being low

Subissue: Non-sufficient funds and associated fees

Consumer Complaint: My bank information was on a XXXX XXXX and my XXXX account was logged into by someone and they stole my money The security team told me that they can see that it did not happen on my device but they cant tell me who did the fraud.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: SC

Zip: 299XX

Submitted Via: Web

Date Sent: 2024-01-03

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.