How to dispute a charge at Navy Federal

Navy Federal gives cardholders 60 days from the statement date to file a dispute. Navy Federal typically resolves disputes within 14 business days of filing. A complete, well-documented letter gives the investigator everything they need to decide quickly.

Dispute windows

Dispute window60 days from statement date

Chargeback window120 days from transaction date

Typical resolution14 business days

Debit card vs credit card protections

Debit card (Reg E)

Debit: 60 days from statement

Credit card (Reg Z)

Credit: 60 days from statement

How to file at Navy Federal

01Online: navyfederal.org
02Phone: 1-888-842-6328

CFPB complaint data

The CFPB received 10,318 complaints about Navy Federal in the past 12 months. 31% were closed with monetary or non-monetary relief. The most common issues:

Managing an account1,948
Incorrect information on your report1,855
Improper use of your report852

Data from the Consumer Financial Protection Bureau complaint database. Updated daily.

Generate your Navy Federal dispute letter

Select your dispute type and we'll generate a personalized letter, pre-filled with Navy Federal-specific submission instructions and your deadline.

Select your dispute type:

Unauthorized charge Duplicate charge Didn't receive goods or service Not as described / defective Free trial I didn't authorize Recurring charge after cancellation

Write my Navy Federal dispute letter →

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