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

Data updated July 2026

D

Grade D · 56.7/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Navy Federal Credit Union ranks ahead of 31% of the 5,283 collectors PlainCollector grades - 69% keep a cleaner CFPB record, on 4,236 all-time complaints and a 100% timely-response rate.

31st pct
reputation rank of 5,283 graded collectors
4,236
CFPB complaints, all-time
100%
answered inside the CFPB window
1,627
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Navy Federal Credit Union?

Navy Federal Credit Union has accumulated 4,236 total CFPB complaints across 51 states, with 1,627 filed in the most recent 12 months against 2,609 historical complaints before that window. The trailing-12-month volume represents 38.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 14% consumer-dispute-after-response rate.

Complaints have been recorded across 51 states, led by Georgia with 601 and Texas with 525. Normalized against the full CFPB collector database, the reputation score of 56.7/100 places Navy Federal Credit Union in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

4,236

high-volume (CCDB)

Last 12 months

1,627

38.4% of all-time complaints

Rising ↑

States active

51

nationwide footprint

Timely response rate

100%

excellent band

Consumer disputes

14%

average (vertical avg ~19%)

Reputation grade

D

56.7/100 composite

How does Navy Federal Credit Union's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

57 31st percentile higher than 31% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Navy Federal Credit Union versus the debt-collection vertical average.

Timely response within SLA 99.9%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 14.2%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 91.1%

Share of US states + territories with at least one filed complaint against this collector.

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, 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 Sub-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

What to do if Navy Federal Credit Union contacts you

A grade of D signals how Navy Federal Credit Union's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Navy Federal Credit Union and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Navy Federal Credit Union ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 56.7/100), 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).

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

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.