What is the most common complaint against Navy Federal Credit Union?

The most common issue consumers report about Navy Federal Credit Union is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 4,236 complaints filed with the CFPB.

Are complaints against Navy Federal Credit Union increasing or decreasing?

Complaints against Navy Federal Credit Union are rising. The company received 1,627 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Navy Federal Credit Union's reputation grade?

Navy Federal Credit Union has a reputation grade of D (score: 54.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Navy Federal Credit Union respond to consumer complaints?

Navy Federal Credit Union has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.

In how many states does Navy Federal Credit Union operate?

Navy Federal Credit Union has received CFPB complaints from consumers in 51 states, with the most complaints from Georgia (601 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Navy Federal Credit Union - Debt Collector Complaint Profile

CFPB complaint profile across 51 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

1,857
Took or threatened to take negative or legal action

1,027
Written notification about debt

489
False statements or representation

475
Communication tactics

206
Threatened to contact someone or share information improperly

53

Data updated September 2026

CFPB complaint disposition

CCDB record navy-federal-credit-union Navy Federal Credit Union

Grade D · 4,236 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #43 · compose #3419

VOL 4,236
GRADE D
12MO 1,627
STATES 51
TIMELY 100%
DISPUTE 14%
ISSUE Attempts to collect debt n…
RANK #43
COMPOSE #3,419

Volume peers

Nearest volume peer: TrueAccord Corp. (4,343 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Navy Federal Credit Union's 4,236 CFPB complaints sit next to TrueAccord Corp. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

Navy Federal Credit Union spreads filings across 51 states - Georgia leads at only 14.2%

Despite a broad state map, Navy Federal Credit Union still sits volume #43 against composite #3,419 - the two RankMaps diverge by 3,376 places. Corpus placement method.

Most-even geography: Lead state under 15%; Georgia still leads at 14.2% across 51 states
Seasonal peak: 2026-01 8.0%; 8–15% band · 931 filings
Divergent corpus ranks: #43 volume; #3,419 composite; Cleanest-composite ladder is 3,376 places worse than volume

How does Navy Federal Credit Union compare to its peers?

How does NAVY FEDERAL CREDIT UNION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

NAVY FEDERAL CREDIT UN… National average

Complaints (last 12 mo)lower is better

1,627

2,358

268

Timely-response ratehigher is better

100%

99%

91%

Consumer-dispute ratelower is better

14%

11%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1,857
Took or threatened to take negative or legal action	1,027
Written notification about debt	489
False statements or representation	475
Communication tactics	206
Threatened to contact someone or share information improperly	53
Cont'd attempts collect debt not owed	44
Disclosure verification of debt	30
Electronic communications	20
Improper contact or sharing of info	19

Where do complaints against Navy Federal Credit Union come from?

Navy Federal Credit Union's own per-state count, not a national baseline.

Georgia

601
Texas

525
Florida

504
California

322
South Carolina

283
Maryland

242
North Carolina

202
Virginia

197

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Navy Federal Credit Union: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 4,236.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.94656692492653%.

4 peers

Know your rights before responding to Navy Federal Credit Union: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.