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

CFPB complaint data Grade D 4,236 complaints

Navy Federal Credit Union - Debt Collector Complaint Profile

CFPB complaint profile across 51 states, reputation grade D.

Complaints by issue type

What consumers report about Navy Federal Credit Union

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #157

  • VOL 4,236
  • GRADE D
  • 12MO 1,627
  • STATES 51
  • TIMELY 100%
  • DISPUTE 14%
  • ISSUE Attempts to collect debt n…
  • RANK #43
  • COMPOSE #157

Volume peers

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

Amsher Collection Services, Inc.Amsher Collection Services, …4,104Navy Federal Credit Union (this)Navy Federal Credit Union (t…4,236TrueAccord Corp.TrueAccord Corp.4,343Harris & Harris, Ltd.Harris & Harris, Ltd.4,346Afni Inc.Afni Inc.4,370
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 →

How the 4,236 complaints break down

Every complaint issue type on record for Navy Federal Credit Union, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.6/100
Navy Federal Credit Union

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
4,236
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
14%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#43 volume
#157 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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 UNION 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.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Navy Federal Credit Union a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 97.5%98%98.5%99%99.5%100%100.5% 10%15%20%25% Timely response rate (%) Dispute rate (%) Navy Federal Credit Union vs. 9 similar-volume peers, by response speed and dispute rate Navy Federal Credit UnionTrueAccord Corp.Harris & Harris, Ltd.Amsher Collection Services, Inc.AFNI INC.Navient Solutions, LLC.Aldous & Associates, PLLCDiversified Consultants, Inc.NCB Management Services Inc.The CBE Group, Inc.
Source: CFPB Consumer Complaint Database

Navy Federal Credit Union's complaint volume in context

Navy Federal Credit Union vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

4,236 Top 1% higher than 99% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Navy Federal Credit Union 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against Navy Federal Credit Union

Across 51 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.