Navy Federal Credit Union
47.3K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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
How Navy Federal Credit Union's 47.3K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary 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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Navy Federal Credit Union
Navy Federal Credit Union's 47,274 logged complaints reach a nationwide footprint - 59 states have at least one filing on record. 46.5% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2011 through 2026-06-26.
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.
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.
Frequently Asked Questions
How many CFPB complaints does Navy Federal Credit Union have?
47,274, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Navy Federal Credit Union respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Navy Federal Credit Union?
"Problem caused by your funds being low", filed under the "Checking or savings account" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.