CFPB · Heavy filing volume
Navy Federal Credit Union
47.3K CFPB complaints (heavy-volume third) · 59 states · top issue Problem caused by your funds being low.
Navy Federal Credit Union is in the heavy-volume third with 47.3K CFPB complaints (ranks #18 of 342). Timely 100% · relief 19.2% · top product Checking or savings account. Allegations, not findings.
- Volume rank #18 of 342
- Heavy filing volume
- +69662.5% filings 2011 to 2026
CFPB relief outcome brief
CCDB company navy-federal-credit-union
19.2% relief · 100% timely · 47.3K filings · Checking or savings account
Same-product relief peers
Nearest relief peer: JPMorgan Chase & Co. (19.4% relief)
Navy Federal Credit Union closes 19.2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Navy Federal Credit Union's 47.3K filings include narrative text
46.5% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Navy Federal Credit Union complaint mix by product
- Checking or 20K 46.8% – 16% relief
- Credit reporting 8K 18.4% – 24% relief
- Debt collection 4K 10.0% – 37% relief
- Credit card 4K 8.3% – 22% relief
- Credit reporting, 3K 6.9% – 10% relief
- Mortgage 2K 5.2% – 19% relief
- Credit card 2K 4.4% – 15% relief
Heavy-volume mix: how Navy Federal Credit Union's 47.3K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Checking or savings account | 19.8K |
| Credit reporting or other personal consumer reports | 7.8K |
| Debt collection | 4.2K |
| Credit card | 3.5K |
| Credit reporting, credit repair services, or other personal consumer reports | 2.9K |
| Mortgage | 2.2K |
| Credit card or prepaid card | 1.9K |
| Vehicle loan or lease | 1.8K |
| Money transfer, virtual currency, or money service | 1.0K |
| Bank account or service | 974 |
| Payday loan, title loan, personal loan, or advance loan | 375 |
| Payday loan, title loan, or personal loan | 365 |
| Consumer Loan | 336 |
| Debt or credit management | 42 |
| Student loan | 33 |
| Credit reporting | 33 |
| Money transfers | 19 |
| Prepaid card | 16 |
| Other financial service | 8 |
| Payday loan | 2 |
Nationwide filing states for Navy Federal Credit Union
Top states by attributed volume, heavy-filing company
- Leading state
- GA
- 12.6% of this company's filings
Navy Federal Credit Union rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 5.6K
- +69662.5% vs 2011
Top States
| State | Complaints |
|---|---|
| GA | 6.0K |
| TX | 5.4K |
| FL | 5.1K |
| CA | 3.9K |
| VA | 3.1K |
| MD | 2.7K |
| NC | 2.4K |
| SC | 1.8K |
| IL | 1.5K |
| PA | 1.3K |
| NY | 1.2K |
| TN | 913 |
| LA | 901 |
| MI | 895 |
| AL | 892 |
| NJ | 887 |
| NV | 754 |
| AZ | 703 |
| OH | 679 |
| MS | 586 |
Top Issues
| Issue | Complaints |
|---|---|
| Problem caused by your funds being low | 9.1K |
| Managing an account | 7.0K |
| Incorrect information on your report | 5.6K |
| Improper use of your report | 3.7K |
| Attempts to collect debt not owed | 1.8K |
| Problem with a lender or other company charging your account | 1.6K |
| Problem with a company's investigation into an existing problem | 1.5K |
| Problem with a purchase shown on your statement | 1.5K |
| Took or threatened to take negative or legal action | 1.0K |
| Closing an account | 994 |
| Opening an account | 920 |
| Applying for a mortgage or refinancing an existing mortgage | 802 |
| Managing the loan or lease | 716 |
| Problem with a credit reporting company's investigation into an existing problem | 716 |
| Getting a credit card | 709 |
| Other features, terms, or problems | 543 |
| Fraud or scam | 537 |
| Written notification about debt | 490 |
| False statements or representation | 473 |
| Fees or interest | 467 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2011 | 8 | 100% |
| 2012 | 210 | 96.7% |
| 2013 | 290 | 99.7% |
| 2014 | 419 | 100% |
| 2015 | 514 | 99.8% |
| 2016 | 670 | 100% |
| 2017 | 960 | 99.9% |
| 2018 | 1.1K | 100% |
| 2019 | 1.2K | 100% |
| 2020 | 1.5K | 100% |
| 2021 | 2.3K | 100% |
| 2022 | 3.2K | 100% |
| 2023 | 4.3K | 100% |
| 2024 | 7.7K | 100% |
| 2025 | 17.3K | 100% |
| 2026 | 5.6K | 100% |
Source: CFPB Consumer Complaint Database
Navy Federal Credit Union in the heavy-volume third
Navy Federal Credit Union's 47,274 logged complaints reach a nationwide footprint - 59 states have at least one filing. 46.5% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2011 through 2026-06-26. Volume lands in the heaviest third of the indexed company corpus (#18 of 342).
Navy Federal Credit Union answers 100% of complaints inside the CFPB's tracked window and closes 77.6% with a written explanation. 19.2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Checking or savings account" draws the most filings, most often for "Problem caused by your funds being low."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Navy Federal Credit Union.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Navy Federal Credit Union: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 47.3K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Navy Federal Credit Union (#18 of 342; 100% timely; 19.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Heavy filing volume