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.
- 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 →
Response Quality Score
Navy Federal Credit Union scores strongest on timely response (100/100 percentile-benchmarked) and weakest on closed with explanation (59/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
90 / 100 percentile-benchmarked
19.2% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
59 / 100 percentile-benchmarked
77.6% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where Navy Federal Credit Union sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Navy Federal Credit Union files more complaint volume than 95% of them, and closes complaints with relief more often than 80% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 47,274 · Closed with relief: 19.2%
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
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