March 2021 Complaints Against Navy Federal Credit Union

Compiled from Public Data by FairShake

If you have an issue with Navy Federal Credit Union, you’re not alone.

The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.

In 2021, the CFPB received 2341 complaints against Navy Federal Credit Union. Navy Federal Credit Union ranked Number 21 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: March 18, 2021

Company Official Name: NAVY FEDERAL CREDIT UNION

State: VA

Product: Money transfer, virtual currency, or money service
Sub-Product: Domestic (US) money transfer

Issue: Fraud or scam

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: March 18, 2021

Company Official Name: NAVY FEDERAL CREDIT UNION

State: MD

Product: Mortgage
Sub-Product: Conventional home mortgage

Issue: Applying for a mortgage or refinancing an existing mortgage

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: March 19, 2021

Company Official Name: NAVY FEDERAL CREDIT UNION

State: SC

Product: Money transfer, virtual currency, or money service
Sub-Product: Refund anticipation check

Issue: Lost or stolen check

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: March 19, 2021

Company Official Name: NAVY FEDERAL CREDIT UNION

State: TX

Product: Debt collection
Sub-Product: Credit card debt

Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount

Full Complaint:
I have two debts with this company. A car loan, which I’m 93 % paid off on and owe a remaining balance of {00.00}. The second loan, is a loan for a credit card that has a balance of {00.00} used. Now the statute of limitations, due to the ‘date of delinquency ‘ has expired, and I’m pretty sure it has been over 8 years since this debt was made and the date of delinquency was first activated. I called the company to gain clarification of debt, and I did agree to pay off the car loan debt eventually. I was questioned about the credit card loan, in which a 30 % offer was given but I never agreed to any offer. My exact response was that I needed to run it by my girlfriend and if we agreed on it, they would hear a response in 24 hours. 13 days passed by and I filed a dispute through credit karma, and the remarks given back to XXXX XXXX, from the bank, was there was an agreement between both parties, which is a lie. I called and asked for evidence of me admitting to this or any validation, and they couldn’t provide. Instead I was given the run-around, and sent to multiple voicemails.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: March 18, 2021

Company Official Name: NAVY FEDERAL CREDIT UNION

State: PA

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Problem accessing account

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: March 18, 2021

Company Official Name: NAVY FEDERAL CREDIT UNION

State: WA

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn’t resolving a dispute about a purchase on your statement

Full Complaint:
Did not receive any merchandise, received an email ( see attached ) stated : There was not enough supporting documentation or evidence to move forward in the dispute process. As of the date of this notification, we closed your claim. Called customer service, claiming once the claim is closed, then it is closed, there isn’t any way to re-open it.

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: March 18, 2021

Company Official Name: NAVY FEDERAL CREDIT UNION

State: NE

Product: Mortgage
Sub-Product: VA mortgage

Issue: Applying for a mortgage or refinancing an existing mortgage

Full Complaint:
I currently have a Navy Federal Credit Union VA Home loan. I applied for refinance to reduce interest rate and cash-out for home improvements. The first loan estimate they sent included {00.00} PMI. I emailed to have them reduce my loan to 80 % LTV. Then sent me new documents but instead of PMI they moved this to VA Funding Fee to which I am exempt. I would think this would be known since my loan is with them already and I sent them my VA XXXX letter. It just seems shady to me and I would not want other servicemembers or veterans to encounter the same problems.
Sincerely, XXXX XXXX

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: March 18, 2021

Company Official Name: NAVY FEDERAL CREDIT UNION

State: CA

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Account status incorrect

Full Complaint:
NAVY FEDERAL XXXX XXXX XXXX XX/XX/15 appears on my credit as a negative item. Back at the time this account was opened, I do not recall ever being late and somehow I was pushed into paying the balance. It was paid and never was taken off of my credit or updated with positive status. This negative reporting is hurting my score and I know I wasn’t late or owed …. Please have them remove this account.

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: March 18, 2021

Company Official Name: NAVY FEDERAL CREDIT UNION

State: IL

Product: Checking or savings account
Sub-Product: Checking account

Issue: Closing an account
Sub-Issue: Company closed your account

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: March 19, 2021

Company Official Name: NAVY FEDERAL CREDIT UNION

State: GA

Product: Mortgage
Sub-Product: Conventional home mortgage

Issue: Applying for a mortgage or refinancing an existing mortgage

Full Complaint:
I believe while trying to start a new mortgage, a loan officer at Navy Federal Credit Union discriminated against me and treated me unfairly. In early XX/XX/2021, the loan officer gave me incomplete information about my options and at one point encouraged me to not follow through with the mortgage. At one point she increased our pre-approved amount to much more than we could afford. Through social media I later learned the loan officer had posted pro-Trump and alt-right material. I believe I jokingly made an anti-Trump comment over the phone during the beginning stages ( unknowing of the loan officer ‘s political beliefs ), which was the reason for the discrimination. In the end I went with a different lender and brought the loan officer ‘s behavior to the attention of her supervisor on XX/XX/2021. I do not know if any disciplinary action was taken.

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.

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