Bank · complaint record
Navy Federal Credit Union complaints
Consumers have filed 50,949 complaints about Navy Federal Credit Union since 2011, 10,588 of them in the last 12 months (-38% on the year before). It answered 100% on time and closed 34% with relief for the customer - more often than a typical bank. The most common problem is managing an account. It is the 5th most complained-about of 188 banks & credit unions this year.
Strong response record. How it works
- Complaints on record
- 50,949
- Last 12 months
- 10,588
- Answered on time
- 100%
- Closed with relief
- 34%
- Last 30 days
- 766
- Rank
- #5 of 188
Since December 2011
-38% vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Nov 13, 2026
Most complained-about banks & credit unions
Navy Federal Credit Union complaints by month
The busiest month was January 2025 (8,302 complaints). Complaints in the last 12 months are down 38% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Navy Federal Credit Union answered last 12 months
- Closed with monetary relief6025.7%
- Closed with non-monetary relief2,53123.9%
- Closed with explanation6,20658.6%
- In progress1,24911.8%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers36/4033.5% closed with relief
- Complaint trend15/15-38% vs last year
What Navy Federal Credit Union complaints are about
Top Navy Federal Credit Union problems last 12 months
Inside "Managing an account"
- Deposits and withdrawals 3,067
- Problem using a debit or ATM card 2,066
- Funds not handled or disbursed as instructed 741
- Problem accessing account 692
- Banking errors 599
- Problem making or receiving payments 355
Where Navy Federal Credit Union complaints come from
Most complaints: Georgia (6,368), Texas (5,893), Florida (5,427), California (4,289), Virginia (3,305).
Navy Federal Credit Union compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | JPMorgan ChaseBank accounts | 70 | 26,645 | B |
| 2 | Bank of AmericaBank accounts | 81 | 24,372 | A |
| 3 | Wells FargoBank accounts | 76 | 22,848 | B |
| 4 | ChimeBank accounts | 56 | 12,313 | C |
| 5 | Navy Federal Credit UnionBank accounts | 96 | 10,588 | A |
| 6 | U.S. BankBank accounts | 83 | 7,023 | A |
| 7 | TruistBank accounts | 63 | 5,854 | C |
| 8 | PNC BankBank accounts | 63 | 3,893 | C |
Compare side by side: Navy Federal Credit Union vs JPMorgan Chase · Navy Federal Credit Union vs Bank of America · Navy Federal Credit Union vs Wells Fargo · Navy Federal Credit Union vs Chime
What people say about Navy Federal Credit Union
All experiencesNo experiences with Navy Federal Credit Union yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Navy Federal Credit Union complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 13, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | In progress |
| Nov 13, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | In progress |
| Nov 13, 2026 | Credit reporting | Problem with a company's investigation into an existing issueDifficulty submitting a dispute or getting information about a dispute over the phone | In progress |
| Nov 13, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | In progress |
| Nov 13, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | In progress |
| Nov 13, 2026 | Payday & personal loans | Issues with repayment | In progress |
| Nov 13, 2026 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | In progress |
| Nov 13, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Nov 13, 2026 | Money transfers & apps | Other transaction problem | In progress |
| Nov 12, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | In progress |
| Nov 12, 2026 | Bank accounts | Problem caused by your funds being lowOverdrafts and overdraft fees | In progress |
| Nov 12, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | In progress |
Questions about Navy Federal Credit Union
How many complaints does Navy Federal Credit Union have?
Navy Federal Credit Union has 50,949 complaints on record since December 2011, including 10,588 in the last 12 months and 766 in the last 30 days. That makes it number 20 of every company by complaints this year.
Does Navy Federal Credit Union respond to complaints?
Yes. Navy Federal Credit Union answered 100% of its complaints on time (within 15 days) and closed 34% with relief - money back or a fix; 6.4% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 96/100 (grade A).
What do people complain about most with Navy Federal Credit Union?
The most common problems are managing an account (7,984), incorrect information on your report (6,174), attempts to collect debt not owed (2,133).
Is Navy Federal Credit Union legit?
Navy Federal Credit Union is a real company with a public complaint record: consumers have complained about it 50,949 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Navy Federal Credit Union legit? for the signals, red flags and how to protect yourself.
Are complaints about Navy Federal Credit Union going up or down?
Down. There were 10,588 complaints in the last 12 months against 17,204 in the 12 before (-38%). See every month.
How do I file a complaint against Navy Federal Credit Union?
Complain to Navy Federal Credit Union in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Navy Federal Credit Union complaints come from?
Most come from Georgia (6,368), Texas (5,893), Florida (5,427). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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