Checking and savings
Navy Federal Credit Union: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 6,752
- Closed with money back
- 10%
- 2023 to 2025
- 1,003 to 4,073
Servicemembers filed 23.1% of Navy Federal Credit Union's 29,271 complaints in the window, against 2.5% across the directory. The complaints are mostly about checking or savings account, and the single most common issue is "Problem caused by your funds being low". 10% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 1,003 in 2023 to 4,073 in 2025.
What the complaints are about
By product
| Checking or savings account | 4,064 |
| Credit card | 691 |
| Credit reporting or other personal consumer reports | 669 |
| Vehicle loan or lease | 276 |
| Debt collection | 275 |
By issue
| Problem caused by your funds being low | 2,482 |
| Managing an account | 998 |
| Incorrect information on your report | 439 |
| Problem with a lender or other company charging your account | 313 |
| Improper use of your report | 294 |
| 2023: 1,003 | 2024: 1,676 | 2025: 4,073 |
Which accounts, specifically
| Checking account | 3,941 |
| General-purpose credit card or charge card | 844 |
| Credit reporting | 810 |
| Loan | 289 |
| Credit card debt | 171 |
What went wrong, specifically
| Overdrafts and overdraft fees | 2,314 |
| Deposits and withdrawals | 419 |
| Problem using a debit or ATM card | 279 |
| Transaction was not authorized | 263 |
| Reporting company used your report improperly | 212 |
Busiest month: January 2025, with 2,230 servicemember complaints. Most were submitted by web.
Most complaints came from TX (907), GA (708), FL (681) , then CA, VA, NC.
How Navy Federal Credit Union answered
| Closed with explanation | 5,493 | 81% |
| Closed with monetary relief | 706 | 10% |
| Closed with non-monetary relief | 553 | 8% |
Navy Federal Credit Union responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company believes it acted appropriately as authorized by contract or law" (6,727). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Vehicle loan or lease; Problems at the end of the loan or lease. VA, 2024-09-03. Outcome: Closed with explanation. Complaint 9999295
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Checking or savings account; Managing an account. MI, 2024-09-03. Outcome: Closed with monetary relief. Complaint 9998696
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Checking or savings account; Managing an account. TX, 2024-09-02. Outcome: Closed with explanation. Complaint 9990149
If this is your problem at Navy Federal Credit Union
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page. This site's verified guide to the company's own military policies: Navy Federal Military Pay Dates: Up to 3 Days Early, One Account Only.
Compare with checking and savings peers
- Wells Fargo 3,695 servicemember complaints; 7% with money back
- JPMorgan Chase 3,342 servicemember complaints; 7% with money back
- USAA 2,815 servicemember complaints; 8% with money back
- Bank of America 2,581 servicemember complaints; 23% with money back
- Chime Financial 1,164 servicemember complaints; 6% with money back
Next in the directory by volume: Capital One.
Frequently asked questions
How many complaints did servicemembers file against Navy Federal Credit Union?
6,752 complaints tagged servicemember were received by the CFPB about NAVY FEDERAL CREDIT UNION between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 1,003 in 2023 to 4,073 in 2025.
What do servicemembers complain about most at Navy Federal Credit Union?
Checking or savings account accounts for 4,064 of the 6,752 complaints, and the most common issue is "Problem caused by your funds being low" (2,482). Next: "Managing an account" (998).
Does Navy Federal Credit Union give money back when a servicemember complains?
10% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 553 closed with non-monetary relief and 5,493 closed with an explanation only. Navy Federal Credit Union answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.