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Business Profile

Credit Union

Navy Federal Credit Union

This business is NOT BBB Accredited.

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Important information

  • Customer Complaint:
    Please be advised that due to the high volume of complaints received for this business, BBB publishes 1 out of every 10 complaints handled through our conciliation process.

Complaints

This profile includes complaints for Navy Federal Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see

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Navy Federal Credit Union has 120 locations, listed below.

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    Customer Complaints Summary

    • 2,238 total complaints in the last 3 years.
    • 894 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:06/16/2025

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On June 15, 2020, a $2,400 check was deposited into my Navy Federal Credit Union account. I did not authorize or initiate this deposit and had no knowledge of the check. Navy Federal flagged it as altered and immediately restricted my account.I have been a loyal member since 2020. I submitted multiple appeals and even contacted their executive team. Despite explaining I had no involvement, Navy Federal continues to hold me responsible and refuses to provide evidence linking me to the check.A recent CFPB complaint (Case #******-20137342) was closed without resolution. Navy Federal never provided any documentation or verification showing I deposited the check.I am requesting:1.Full documentation of the check and any investigation results.2.Removal of the account ************************* of my account and apology for the unfair treatment.

    • Initial Complaint

      Date:06/16/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Under the advisement of a Navy Federal representative on 6/12/2025 at 5:53pm I deposited $700.00 into the Point Breeze Credit Union outside ATM because are no Navy Federal facilities in **************. The Point Breeze ATM gave back $20.00 stating exceeding the daily deposit amount. It kept the $680.00. Apparently theyre having problems with their ATM, my money hasn't been deposited into my Navy Federal account and Navy ******************** has made no efforts to resolve to matter. I have called them multiple times with them saying it could be 10 or more days. I have bills to pay.

    • Initial Complaint

      Date:06/14/2025

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      There was fraudulent credit/loan transactions that were done without my knowledge or permission with Navy Federal credit union. These actions occured while I was incarcerated. I filed an official *** report twice with no positive response. I escalated this and filed a **** report which still did not give me the result I need. Navy Federal claims they validated the debt and never explained how as requested.. THIS DEBT IS FRAUD AND IS BIENG REPORTED ON MY CREDIT. I am rquesting that this company stop inaccurately reporting information and I want them to cease communication with me. This issue has been going on for months and is impairing my ability o recieve funding. - ******* ****** **************************************************************************************

    • Initial Complaint

      Date:06/11/2025

      Type:Sales and Advertising Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      These debts dont belong to me I never signed no contract and I had data breach

    • Initial Complaint

      Date:06/10/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I purchased items from the company ******* and received damaged items. I tried returning the items 4 separate times and was denied. I contacted Navy *** and told them the situation and showed that the company Whatnot had broken multiple policies of their own and tried returning items. I provided photos and showed that they had banned me for opening disputes. But Navy Federal just keeps saying theres not enough evidence to move forward which is a complete lie. Navy Federal has since ignored my requests and sided with the scammer Whatnot. I no longer have access to my whatnot account because they banned me and navy federal lies to say theres is not enough to move forward despite providing receipts, photos, Whatnots Policy, and Emails to prove I tried contacting them.

      Business Response

      Date: 07/16/2025

      A response was sent directly to our member on 16 July. Can you please update your records to close this case as "resolved"?

    • Initial Complaint

      Date:06/10/2025

      Type:Product Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Sent: Wednesday, May 21, 2025 12:12 PM To: Info <***************************************************************>Subject: Message from ************************ I like to file a complaint, against Navy Federal Credit Union, My name is ***** *****, I opened an account at **********************, and after being a customer for a few years, I left my small account idle with only $ ****** cents in the account. When I called to finally closed my unused account, the teller was having hard time finding my small balance to be refunded back to me. The teller then informed me, that they had send my money to another place, and for me to look for my money on line at ****************, I was told just to go on line and they would refund my money. I got on line and the system keeps telling me is nothing there. So I question this business Federal Navy Credit Union, as to why they just simply mailed me a check and close the account for "no activity" I understand that my small amount of ****** is not that important, however this institution and maybe others should change the way they handle this type of cituations. I have resided at this same address for 40 years, same home phone same cell number for 20 years. The closed account number is ******* routing number *********** number for this institution is **************. Thank you, ***** ***** ************** Fax ************** Sent from ***** ***** ***********************

    • Initial Complaint

      Date:06/09/2025

      Type:Product Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      During my call with navy federal the customer service department denied my request to wire money if I did setup payment arrangements for another account that had no bearing associated with the account that I wanted to send money from. After speaking to a supervisor who said that these policies are in place I asked can I go to a bank to withdrawal mi ey to me she responded yes. She then stated it was policy and hung up the phone. This is a simple tactic that Navy federal is using to control how a person uses their money. This is not legal and denies me my right to free movement of my money. As my money is not property that belongs to Navy Federal.

    • Initial Complaint

      Date:06/06/2025

      Type:Product Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I was helping my spouse finish a credit card application and the representative a used me of answering for him only because I was translating for him from Portuguese to English. It all started when we used a ** code for a pre-approved credit card application in his name and the ** code failed and directed us to call ******** service. The first ******** service representative just rudely asked me for my name and never even greeted us; maybe because we are a gay couple. The supervisor simply did not want to complete the application and I only translated the question for him. Does she know such accusations are considered slander? Why would I do that if I am the sponsor.

    • Initial Complaint

      Date:06/06/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am an active duty servicemember enrolled in a *************** Plan (DMP) through ***********************. Navy Federal Credit Union is one of the included creditors. As part of the plan, ******** mailed a payment on my behalf on May 14, 2025, ahead of the May 19 due date. Navy Federal cleared the payment on May 23just four days lateyet reported it as a delinquency to the credit bureaus.This payment was initiated on time through a verified DMP program. I had no control over the check's mail delivery or internal processing time. Navy Federal accepted DMP participation, and I reasonably expected some accommodation for standard check clearing windows. I received no notification that this slight delay would result in negative ************ a servicemember protected by the Servicemembers Civil Relief Act (SCRA) and as a consumer operating in good faith, I believe this reporting disregards fair and responsible practices. The Fair Credit Reporting Act (FCRA) supports accurate, complete, and fair reporting, and this incident does not reflect the reality of my repayment efforts.I respectfully request that Navy Federal:Remove or correct the late payment reporting with Experian, Equifax, and TransUnion;Re-age the account in line with DMP participation and timely payment initiation;Provide written confirmation of the correction or explain why it cannot be granted.This request reflects my prompt action, compliance with DMP terms, and ongoing military service. I trust Navy Federal will recognize the good faith effort to repay and take appropriate corrective action.

    • Initial Complaint

      Date:06/05/2025

      Type:Customer Service Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Bad customer ******************** at the branch and calling in by phone to the customer service department. 3 different employees gave different answers to a problem first caused by the teller. No explanation up front on time of funds being held.Nothing this bank does to resolve the problem ever.

    Navy Federal Credit Union is NOT a BBB Accredited Business.

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