I am filing a complaint against Navy Federal Credit Union regarding an unauthorized withdrawal of funds from my checking account. On XX/XX/year>, I deposited a check in the amount of {$1100.00}. The deposit officially posted to my account on XX/XX/year>. However, after the funds became available, the bank removed the full amount of {$1100.00} from my account without my authorization. The funds deposited are from XXXXXXXX, which is a government assistance program. These funds are intended for basic living expenses and are considered protected public assistance benefits. There are federal protections, and XXXX exemption laws that I believe would make this garnishment illegal. Navy Federal Credit Union did not flag the check that I deposited even though it included the XXXX case worker number for my benefits and also my case number.…
CFPB COMPLAINT DATABASE
Navy Federal
889 real consumer complaints filed against Navy Federal at the Consumer Financial Protection Bureau in the last 12 months. 352 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Managing an account278
- 02Problem with a purchase shown on your statement70
- 03Problem with a lender or other company charging your account66
- 04Attempts to collect debt not owed59
- 05Problem caused by your funds being low51
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
On XXXX/2026, I initiated a transfer XXXX into XXXX business bank account from Navy Federal. Both accounts belong to me. At the time, I had a positive balance of over XXXX. On XX/XX/year>, I was notified that my direct deposit from the IRS for XXXX was being placed in my Navy Federal account. On XX/XX/year>, Navy Federal had my IRS deposit on hold for some reason, and I had to manually request it to be released into my checking account ( I have never had to do this with any direct deposits before ). At this time, my available balance was sitting at XXXX. On the same day, XX/XX/year>, Navy Federal transferred the XXXX I tried to have transferred on XX/XX/year>. They transferred the funds, even though I did not have sufficient funds in the account, and my direct Deposit was on hold, until I requested it to be released. This put my balance in the negative by XXXX. I was charged an OOPS overdraft charge for XXXX.…
I am cont to have issues with my funds being draft without my authorization. I have called Navy Federal and set a pay arrangement for my payments to prevent unexpected drafting. However, the bank is continuing to commit Fraud. This has become a very Fustrating Process. I recv a Deposit w/ NAVY XXXX TIMES PER MONTH AND EACH DRAFT I HAVE TO CALL REGARDING FUNDS BEING TAKEN ALTHOUGH PAYMENT ARRANGEMENTS ARE IN PLACE PRIOR. Yesterday my saving acct was draft to cover XXXX of the loan payments. While the other remain set to draft XX/XX/year> as I req on Sunday XX/XX/year>. I spent XXXX on phone. Req call record
On XX/XX/year> I messaged Navy Federal Credit Union requesting that a new debit card be mailed to me via XXXX or other courier service with tracking and signature required for delivery ( see attached ). The reason I made this request is because my previous debit card was due to expire at the end of XXXX and I live in the XXXX, a country with a notoriously unreliable postal service and I was worried that my card would be lost or stolen in the mail. I sent repeated messages via Navy Federal Credit Union 's secure online messaging form. I also called Navy Federal 's customer service phone number and made the same request verbally. Navy Federal Credit Union refused my request and sent the new debit card via First Class mail. As I predicted, I never received the card. On XX/XX/year>, I received a notification that my card was used at a store called XXXX in XXXX, XXXX in the amount of {$1500.00}.…
I am writing to formally file a complaint regarding the handling of my recent claim and the lack of communication from your team About disputing a charge from XXXX XXXX art for XXXX. I submitted a claim in good faith and expected a thorough and fair review of my account. Instead, the claim was closed without proper investigation or review of the relevant account activity. This is extremely concerning and does not reflect the level of service I expect. Additionally, my attempts to communicate through messages have gone unanswered. The lack of response, combined with the premature closure of my claim, demonstrates a failure in both customer service and claims processing.…
Recent complaints
The 30 most recent complaints against Navy Federal where the consumer chose to publish their narrative.
I am a veteran and a long-standing member of Navy Federal Credit Union XXXX I am filing this complaint because Navy Federal is refusing to investigate a clear case of merchant fraud, incorrectly claiming that their 'terms and conditions ' override XXXX Network Dispute Rules. On XX/XX/year>, I paid {$85.00} to a merchant named 'Worst Case ' ( Order # XXXX ). The merchant never shipped the items and has ignored five follow-up emails. Furthermore, the merchant has compromised their website ; attempting to view my order details now triggers a suspicious file download instead of a receipt. I spoke with a Navy Federal supervisor today who claimed the dispute window is 120 days from the order date. This is factually incorrect under Visa Reason Code 13.1 ( Merchandise Not Received ), wh ich allows for 120 days from the latest expected delivery date. Since no delivery date was ever provided and no goods were shipped, the window is still open.…
On or about XX/XX/year>, I was charged {$590.00} by XXXX for a service that was represented as providing access to vetted marketing apprentices within a structured platform. Shortly after enrollment, I was introduced to candidates through the platform. The initial candidate presented was based in the XXXX XXXX, which did not align with my business needs and required correction. Subsequent candidates indicated that they expected to be paid directly by me, which contradicted how the service was presented and my understanding of the platforms structure. XXXX own refund policy states that a match is when you are introduced to a candidate a match is not a started apprenticeship. Despite this distinction, the company treated initial candidate introductions as full delivery of the service and denied my request for a refund on that basis. Additionally, XXXX represents that candidates are vetted prior to matching.…
Issue : Inconsistent application of SCRA/state law protections and failure to provide a cl ear basis for denial. Summary : I submitted a request for SCRA interest ra te protections on XX/XX/year> and provided documentation confirming my XXXX XXXX status. I followed up multiple times ( XX/XX/year> and XX/XX/year> ), including requesting consideration under Louisiana law, where I entered military service and maintain my Home of Record. The company has not applied the requested 6 % interest rate cap and has instead continued to request additional documentation without clearly identifying what is missing or providing a final determination. Key Concern : I am aware that similar requests from other servicemembers have been approved under comparable circumstances, including cases involving Louisiana Home of Record and XXXX XXXXXXXX status. However, my request has not been approved, and no clear explanation has been provided as to why my situation is being treated differently.…
I am filing this complaint against Navy Federal Credit Union for their failure to properly investigate a 'Service Not as Described ' credit card dispute ( Order # XXXX, {$3400.00} ). XXXX XXXX has repeatedly misclassified this case as a simple 'billing error ' or 'missing refund, ' despite clear evidence that the merchant committed a material breach of contract. The merchant, The XXXX XXXX XXXX, failed to deliver the custom services contracted. I have provided the bank with documented proof, including a 'custom ' draft from the merchant that refers to XXXX XXXX XXXX XXXX CA ' despite my business being located in Virginia. Furthermore, the merchant utilized imagery that constitutes false advertising ( equipment I do not own ) and used branding assets I explicitly rejected in writing. In an e-message on XX/XX/year>, XXXX XXXX informed me that they would only proceed if I provided a 'refund acknowledgment ' from the merchant.…
I filed a dispute with my bank regarding a hotel charge from XXXX that I did not receive a refund for. As part of the dispute process, I was issued a temporary credit. After the dispute was initiated, I obtained new documentation from the hotel confirming that a refund had already been issued on XX/XX/XXXX through the booking platform. This information was not available at the time the initial dispute was reviewed. Despite this, the bank reversed the temporary credit without resolving the issue or considering the new evidence. As a result : * My account became overdrawn * Funds were transferred from my savings account to cover the negative balance * My account still remains in the negative * I have been left without access to my funds Additionally, I have attempted to contact the bank regarding this issue and have not received a timely response. I am still waiting for my case to be reviewed, reopened, and I have not yet received a response since providing new details.…
So after the fact that I have a federal complaint against a state agency that violates XXXX amendment rights. The last complaint was against the bank mean while there was a situation where there was a charge on my debit card for services that I did not receive I contact Navy Credit and because they wanted to subject and make me made to lie and further their child welfare investigation based on false Probable cause. I contact the application company that process my reservation and told them was made for the wrong day because that what their application does the are very deceptive with the way they make reservation on line by changing the query on the date you choose and offer you dates wit cheaper date so you make the reservation for the wrong day. So I contacted that company and they contacted XXXX XXXX... So that I had to make XXXX reservation for that day because I need a reservation for that actual day..…
On XX/XX/year> - my ex was driving a vehicle that is in both of our names. I am the primary on the note. He got into a wreck but didnt have car insurance. So the police tow the vehicle, but I was never informed of this. I contacted the bank and had mentioned to them that the ex had the vehicle. I contacted on many different occasions to see if the vehicle had insurance. The bank mentioned that they dont keep information like that. I asked them if there was any way for them to locate the vehicle because I hadnt seen it and I hadnt seen the ex with it. And they said no, they dont have trackers on the vehicles. A friend of mine at a dealership, ran a report on the vehicle and found that it was in a wreck and had been towed. So I again contacted the bank and I got the runaround. They sent me to collections. There the lady mentioned that they could help me only if I stop paying the car note. I mentioned I dont want to do that because I worked hard to get me credit where it was.…
I am filing a complaint regarding Navy Federal Credit Union placing my account into a negative balance of approximately {$4000.00} due to reversals of Advance Child Tax Credit payments originally issued in XXXX under the American Rescue Plan Act. These funds were deposited into my account and later adjusted or reversed by the Internal Revenue Service. I have been actively attempting to resolve this matter with the IRS since XXXX, but the issue remains unresolved. As a result of these reversals, my account was placed into a significant negative balance. I did not initiate or control the reversal of these funds. At the time the deposits were made available, I reasonably relied on them for necessary living expenses.…
I am filing a complaint against Navy Federal Credit Union regarding an unauthorized withdrawal from my savings account. I was informed that my account was charged off and sold. Despite this, funds were transferred from my savings account and applied toward the charged-off debt. I do not understand why this occurred, especially if the debt was no longer owned by Navy Federal Credit Union. I am requesting : * An explanation of why funds were taken from my savings account * Proof of legal authority for the withdrawal * Confirmation of whether the debt was sold, and if so, when and to whom * Reversal of the funds if the withdrawal was not legally authorized I attempted to resolve this directly with the institution, but I was told they do not know why the funds were transferred. This has left my account in dispute and I am requesting regulatory review and correction.…
I stayed at a XXXX XXXX on XX/XX/year>, at a XXXX XXXX XXXX where I checked in and I was woken up at XXXX XXXX XXXX because kids were checked in with no supervision in the hotel with no parents and they were running around the hotel. I went to go call this front desk at about XXXX XXXX I got no call from the phone in the room. I got no answer. So I tried the call for my cell phone. I got no answer. I went down to the front office to the front desk. The lady was not there for another 10 or 15 minutes. When she finally arrived, we had an argument about how long she was gone. She told me that she wasn't gone longer than 20 minutes. I explained to her what happened with the children waking me and my child up and I needed another room. She explained to me that they do not have control over their guests, and they can't. They can not say whether I could get another room on another floor where there would be no children. For sure and couldn't guarantee me that that could happen.…
1. I want to start off that NFCU is a foreign registered bank and should not be providing loans to anyone besides other member banks. See facts with explanation attached with controlling law.2. I sent a request for collateral deposit account for offset purposes to NFCU on XX/XX/XXXX by certified mail. See attached letter. This was not addressed and simply ignored. My understanding is NFCU never owed the loan as I had an audit performed on the Mortgage Account Number. The auditor found that XXXX XXXX to possession of the loan right at closing. To confirm this fact NFCU filed tax reporting form 1099C and the Cancel date stated on their reporting form was XX/XX/XXXX. They filed a 1099A and a 1099C with false reporting trying to claim abandonment. I just have corrected this with a corrected tax forms that I provided to NFCU on XX/XX/XXXX with an explanation letter and mailed to the IRS.This also was simply ignored.…
I made a deposit with the service XXXXXXXX XXXX I signed up and deposited XXXX XXXX. They then gave me the option to choose picks to play and I chose XXXX player plays but before the play started XXXX of the players were ruled out. The service afforded me no refund and instead made a decision for me to make it a XXXX player play but I did not consent to XXXX picks when a player was marked out. So they forced me to wait it out in which I ended up losing my money. I have quit this service as it hasnt been XXXX hours since the deposit. I had sent the dispute message to NFCU within XXXX hours of this happening and its been XXXX days since and no response from them at all. I would like a full investigation into their service and refund.
I am submitting a complaint regarding the reporting of a 30-day late payment for XX/XX/year>XXXX on my credit card account with Navy Federal Credit Union . This late payment represents a single, isolated incident on an otherwise consistently positive account history. My account is currently open, in good standing, and has remained current with on-time payments since that time. I contacted Navy Federal directly to request a goodwill adjustment and a second-level review of my account history. Although my request was escalated, I received a denial with a general explanation that accurate information can not be changed, without meaningful evaluation of my overall payment history or the isolated nature of this incident. I am not disputing ownership of the account, but I am requesting a fair and reasonable re-evaluation of this reporting. Given my otherwise strong payment history and continued positive account standing, I believe this situation warrants discretionary consideration.…
I paid {$1600.00} for a root canal and the doctor completed a root canal on the wrong tooth. It was completed on the tooth next to it that already had a new crown. The doctor refuses to provide my dental records, take my calls, or see me when I went to the office. I initiated a dispute for {$500.00} on XXXX/26 with Navy Federal and provided documentation that include the X-rays in color of the crown that was destroyed, the crack in the tooth next to the one she repaired by mistake, XXXX reviews from other patients stating they had root canals completed on the wrong tooth, pics of my jaw swollen for days, and confirmation of ongoing investigation from the dental board. Navy Federal sent an email XXXX26 asking for documentation as if nothing was ever sent. I called on XXXX/26 and the rep had to chat with the claims rep who had trouble viewing the images. I had called twice previously to confirm the uploads which had disappeared because they were updating their system.…
REQUEST TO REOPEN DISPUTE SERVICES NOT RENDERED / MISREPRESENTATION Transaction : XXXX XXXX XXXXL {$900.00} Booking : XXXX Claim : XXXX To Whom It May Concern, I am requesting that my previously closed dispute be formally reopened under a corrected basis. This is not a dispute regarding a non-refundable booking. I acknowledge those terms. This dispute concerns a bundled transaction that included travel insurance, which I purchased specifically to protect against cancellation. At the time of cancellation : The insurance policy was active A valid claim was submitted However, the insurance coverage was automatically cancelled due to system interaction between XXXX and XXXX, despite the claim already being in process.…
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Navy Federal Credit Union regarding their handling of a dispute involving negligent automotive repair services that resulted in substantial financial loss and safety risk. This complaint extends beyond a disputed charge. It involves failure to conduct a thorough investigation, premature closure of a claim, admission of internal error, and continued delay despite full evidence being providedall of which raise serious concerns under the Fair Credit Billing Act ( FCBA ). Background of the Dispute On XX/XX/year>, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX and an XXXX ( XXXX ) sensor, which were installed by XXXX.…
I am filing a complaint regarding Navy Federal Credit Unions handling of a credit card dispute for a {$400.00} charge from XXXX ( XXXX XXXX, purchase date XX/XX/year> ) .This dispute ( XXXX ) was submitted as a services not as agreed, specifically concerning a failure or defect in the merchants checkout process that prevented proper authorization. At the time of payment, the XXXX mobile application did not display the selected travel dates on the final payment authorization screen. Travel dates are a material term of the transaction. Because they were not visible at the point of authorization, I did not have a reasonable opportunity to verify the service being purchased before submitting payment. After the transaction was completed, tickets were issued for XX/XX/year> instead of the intended XX/XX/year>. These dates were not knowingly selected or authorized. The tickets remain unused.…
I am filing this complaint against Navy Federal Credit Union regarding their improper reversal of a provisional credit issued for a disputed transaction involving nonconforming goods and misrepresentation. I purchased a couch through XXXX XXXX using an influencer marketing link. The product was advertised as an oversized, durable couch-in-a-box that would fully expand within XXXX hours after unpacking. The promotional content included demonstrations showing a XXXX individual sitting comfortably on the couch and physically testing its durability, which strongly influenced my decision to purchase.…
Around XX/XX/XXXX I applied for an auto loan. I was approved for {$27000.00} and the interest rate was supposed to be XXXX and XXXX depending on age and usage. However, once they received the paperwork regarding the purchase of my used vehicle, the interest rate was listed as XXXX. I sent an email questioning the rate and they said they confirmed it and it should be XXXX and instructions on how to sign the promissory note. The second email on XX/XX/XXXX, I asked the same question and they advised me they use internal guidelines not just beacon scores. However this is not what is published on their website, was not included in the offer letter, or pre approved application online. I could have shopped somewhere else for a lower rate, had I know it was going to be that high. We have good credit, I thought the XXXX was high, XXXX is car dealership rates.
On or about XX/XX/year>, I deposited XXXX checks into my account with Navy Federal Credit Union, XXXX for {$440.00} and XXXX for {$500.00}. After these deposits, my available balance showed {$660.00}. The {$500.00} check was later returned due to a stop payment. At the time, only a portion of the funds had been made available to me. After I became aware that the check was returned, I deposited {$300.00} into my account to cover the funds that had been made available. Despite this, my account was reported as overdrawn by {$140.00}. However, when I reviewed and calculated my transactions during that same time period, my balance came out to approximately {$100.00} ( and previously {$88.00} based on another calculation ). These amounts do not match the negative balance being reported. Additionally, I do not have overdraft protection on my account, which means transactions should not be approved beyond my available balance.…
I made a payment to my Navy Federal credit card in the amount of {$6000.00} to a {$7300.00} balance and the statement was generated XX/XX/XXXX and a new credit update was upcoming XX/XX/XXXX and credit file still reflected 99 % usage on the card and prevented me from getting my auto loan refinanced.
On XX/XX/XXXX @ XXXX, I contacted Navy Federal Credit Union after I reviewed my bank portal the day before. I realized my card had been Closed on XXXX. I spoke with a bank rep XXXX who told me the bank used a review of my credit report to make the decision to Close my account. I asked the rep if there was prior written information provided to me, she said it was mailed to me on XXXX the same day they Closed my account. I then explained to the rep I knew she didn't create the policies and asked her to review my credit card account which I have had for 8 years. She saw I only XXXX XXXX late payment and that prior to my job as a Federal XXXX was put on Pause XX/XX/XXXX, I kept my credit card Paid in Full or half of balance paid. I had made Navy Federal Credit Union I lost my job and placed on Pause and I wasn't offered any assistance. My concern is I have spoken to some six other people who have had their accounts, but four of them accounts were Closed for random reasons.…
Ever since I reported Navy Federal Credit Union and the debt collector they worked with around XXXX XXXX for still contacting me about a XXXX XXXX XXXX debt, they reataliated and began to restrict me from using my account that I have had since XXXX. I am being told when I tried to link my XXXX account to my NFCU that my account is restricted and I can not use that feature and to contact them which I never did until XX/XX/XXXX. Next, they are still contacting me through the app ever since I lodged the XXXX complaint which I never called them about it until XX/XX/XXXX. The last straw was when I recieved an alert from XXXX on XX/XX/XXXX indicating that my NFCU account has been removed without my permission, so finally, I contacted NFCU to address all XXXX issues in XX/XX/XXXX. Instead of them resolving, they blamed me and made up justification and became offensive.…
I am filing this complaint against Navy Federal Credit Union for violating the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, by furnishing inaccurate information to consumer reporting agencies and engaging in what I believe to be an ongoing re-aging violation on a charged-off revolving account. Navy Federal Credit Union is currently reporting a charged-off revolving account with a balance of {$3900.00} on my XXXX and XXXX credit XXXX. This account was charged off in XX/XX/XXXX. Despite the charge-off, Navy Federal Credit Union has XXXX to update this account with an active and refreshed past-due balance every single month from XX/XX/XXXX through XX/XX/XXXX a period of approximately XXXX consecutive months. Specifically, I am alleging the following violations : XXXX. RE-AGING VIOLATION : Under the FCRA, XXXX XXXX. XXXX, a charged-off account must be reported as a static derogatory item from the date of XXXX delinquency.…
On XX/XX/year>, I received a text with a message say members have been added to your Navy Federal Credit Union account. I logged into my account and my account had {$16.00} in it. My account was compromised between the hours of XXXX XXXX and XXXX XXXX. Members were added members to my account using the member to member feature the Navy Federal offer. The first transfer occurred last night on XX/XX/year>. I called customer service to report fraud on my account as soon as possible and reported the fraud. Customer Service took my information and submitted a claim for fraud on my account. On the XX/XX/year>, I got an email that the claim was denied because I authorized the charges. I sent an appeal to review the claim and to end me supporting evidence of finds. I received a letter in XXXX stating that the decision would stand. The letter is dated XX/XX/year> but did not receive until mid XXXX. I total not recovered is {$14000.00} and will like info on finding and funds credited.…
On or about XX/XX/year>, I made a purchase with XXXX using my Navy Federal debit card ending in XXXX. The total amount was {$140.00}. The order was later returned/canceled, and XXXX issued a refund back to the original debit card. XXXX confirmed that the refund was successfully processed and sent to the debit card. However, Navy Federal advised that the debit card had been closed/purged and stated that the refund could not be posted to my account. I contacted Navy Federal multiple times and filed a dispute with my debit card. Instead of addressing the issue as a refund not received, Navy Federal closed the dispute by stating that the original charge was valid and advised me to continue seeking a resolution with the merchant. This response did not address the missing refund or include a refund trace or reissue of funds. The merchant has already completed their part by issuing the refund.…
In early XX/XX/year>, funds were withdrawn from my individually owned savings account without my authorization. An IRS tax refund was deposited into my personal savings account, of which I am the sole owner. Shortly after the deposit, Navy Federal Credit Union removed funds from that account and applied them to a negative balance associated with a separate joint checking account. I did not authorize this withdrawal. The negative balance was related to a disputed transaction on a different account. I am not responsible for that transaction, and it did not originate from my individually owned account. I contacted Navy Federal through their secure messaging system and requested the contractual authority, legal basis, and documentation supporting the withdrawal and application of my funds. Navy Federal did not provide this information. Instead, they stated that I am no longer connected to the joint account and could not be provided information about it.…
I was a victim of identity theft and identity fraud while I was in the hospital for XXXX months. I reported it over to navy federal and together as a bank they denied my claim and fail to give me my money that is insured and have accused me of collaborating with the fraud. This has been going on since XXXX and has brought me a lot of XXXX XXXX.
I am filing a formal complaint regarding the closure of my bank account, which I believe was done unfairly and without proper justification. My account was closed without a clear explanation, and I have not engaged in any activity that would reasonably warrant such action. This lack of transparency is unacceptable and raises serious concerns about the banks practices and treatment of customers. If there were any concerns regarding my account, I was not given a meaningful opportunity to address or resolve them before my account was terminated. Denying me access to basic banking services without explanation or due process is unreasonable. If there is an outstanding balance associated with the account, I am willing to resolve it promptly.…
On XX/XX/XXXX, I applied for a mortgage and received a prequalification. I never received an approval from underwriting as of XX/XX/XXXX because of the failure of all involved to pursue my mortgage. I received a call from a loan processor, XXXX XXXX,. who told me it was urgent that I contact him back that very day. I was driving when I got the message and the urgency scared me so I pulled over to call the credit union. He spent XXXX mins asking the exact same questions I had just given the lady during pre qualification and there was no urgency. After a few days, I requested a new processor due to issues with the first one. I received a call from his supervisor, XXXX XXXX. She reassigned me to XXXX XXXX. On XX/XX/XXXX after seeing my loan process in limbo with a message about using gift funds for closing/down payment, I sent a message to XXXX advising him that I wasnt using gift funds. The process wont let you advance without all tasks being complete and the gift funds were a task.…
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