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How to File a Complaint Against Navy Federal

Learn your options to get your voice heard and make Navy Federal pay

So you have a complaint against Navy Federal Credit Union’s bank account services, mortgage, investing, or credit card services—maybe you’ve found hidden fees or potential fraud issues with Navy Federal Credit Union.  

So you tried to contact Navy Federal Credit Union customer service.If you were lucky you got a hold of an actual person, but even still, they probably couldn’t fix your problem. So what can you do now? Now now you want to know:

  • How do I file a legal claim against Navy Federal Credit Union?
  • How to sue Navy Federal Credit Union in small claims court?
  • How do I file a claim in arbitration?

Read on to learn about different ways of filing a claim against Navy Federal Credit Union, and what you should know about each:

Learn about the Ways to File a Claim against Navy Federal Credit Union

File a Claim against Navy Federal Credit Union in Small Claims Court

What is it? Your user agreement with Navy Federal Credit Union doesn’t necessarily let you join things like class action lawsuits against Navy Federal, but you can still use small claims court. This is an opportunity for you to bring your issue before a local judge and seek compensation. You have to make sure that your case qualifies. Firstly, small claims court limits range from $2,500 to $10,000. So if the compensation you need is beyond your state limit, you’ll have to find another option. Secondly, you can only get monetary compensation for small claims court, not equitable compensation. Thirdly, you will be responsible for paying court fees.

What you need to do: Locate your local small claims court. You can follow the online steps they list for filing a small claims court lawsuit. Every court has their own procedures and you have to follow each of them carefully or they might throw out your case. However, filing a small claims court lawsuit is usually simpler than the regular lawsuit process. 

What to expect: If you do everything you’re supposed to and you have a solid case with good evidence, it’s very likely that you will get compensation. What’s more, Navy Federal Credit Union might give you an offer early on in exchange for dropping the lawsuit.

File a Complaint against Navy Federal Credit Union with the Consumer Financial Protection Bureau

What is it? The Consumer Financial Protection Bureau (“CFPB”) is a federal government agency that regulates much of their business. The CFPB provides an informal channel for consumers to submit claims and complaints against Navy Federal Credit Union. What happens next is based on the internal procedures of the CFPB. 

When to try it: When you want your complaint available to the public and the government, this is a great option. It’s not a way to pursue compensation but it is a way to effectively report on the company to the government.

What you need to do: File an informal complaint on the CFPB’s public website by following the instructions here.

What to expect: Your complaint will be posted in a public database and it might be used for future regulations against companies like Navy Federal Credit Union. You will not likely receive an individual response but that doesn’t mean something isn’t being done.

File a Better Business Bureau Complaint against Navy Federal Credit Union

What is it? The Better Business Bureau (“BBB”) and its local chapters are private organizations that collect and publish complaints against a wide range of companies.  They collect data and regularly update pages for each company including Navy Federal Credit Union. This information explains exactly how many customer complaints have been filed, what they have to do with, and gives information for each complaint. Navy Federal Credit Union has a chance to respond. 

When to try it: If you see that Navy Federal Credit Union is actively responding to other customers, you have a higher chance of getting a response yourself. However, if you know that you probably won’t get compensation because they aren’t responding to customers, you can still post your dissatisfaction and make sure that the internet and the general public has access to it.

What you need to do: Go to Navy Federal Credit Union’s BBB profile and follow the instructions for submitting a complaint.

What to expect:  If Navy Federal Credit Union decides to respond you might get an individual response asking for more information or asking how they can help resolve the issue but it’s really up to Navy Federal Credit Union to decide whether or not they want to acknowledge your complaint.

File a Claim Against Navy Federal Credit Union through Independent Arbitration

What is it? The small print that prevents you from joining class action lawsuits against Navy Federal all so allows you to file your claim before independent arbitration. Independent arbitration allows you to use an independent arbitrator to settle your issue.

When to try it:  If you think that Navy Federal Credit Union has violated their contract with you, actively misled you, or violated the law, you can pursue compensation with arbitration. Usually you have to have a specific way that Navy Federal Credit Union can fix the problem.

What you need to do: Fill out our form below to start your claim against Navy Federal Credit Union.

What to expect: For more details about arbitration, click here. (For a list of companies we process complaints against, start here.) Share your Navy Federal Credit Union complaint with FairShake today!

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