To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

We Protect Your Information

Using advanced fraud prevention systems, Navy Federal Credit Union scans member accounts for unusual activity and protects against unauthorized purchases. If you become a victim, we’ll work with you to help restore your information and prevent any further damage, free of charge.

Reporting Fraud and Other Security Issues

Unauthorized Transactions

If an unauthorized transaction was posted to your account, you can dispute the charge and report fraud online.

Report Checking Account Fraud on a Credit Card

Inaccurate Transactions

If you deliberately made a transaction that doesn’t appear correct on your debit or credit card accounts, you should dispute it.

Dispute Transactions

Lost/Stolen Cards

If your card is lost or stolen, or you suspect you’re a victim of fraud or identity theft, call Navy Federal immediately at our service line, 1-888-842-6328, so we can instantly put an immediate hold on your account.

Prepaid Cards

You can also report unauthorized transactions on your GO Prepaid card.

Visit or call 1-855-477-1138.

Other Ways to Contact Us

You can make a fraud claim or dispute unauthorized transactions online, by fax, mail or phone. For additional assistance, call us toll-free at 1-888-842-6328

Report credit card fraud or dispute transactions


 - Dispute credit card transactions

 - Report credit card fraud

Fax or Mail

To report fraud or dispute transactions, fax a completed Credit Card Affidavit of Fraud and Forgery form to 703-206-2055 or mail to:

Navy Federal Credit Union
Attn: Card Fraud Prevention Recovery
PO Box 3503
Merrifield, VA 22119-3503

Learn how credit card disputes are resolved (PDF). 

Report debit card fraud or dispute transactions


 - Dispute debit card transactions

 - Report debit card fraud

Mail, Fax or eMessage

To dispute a transaction, complete a Statement of Dispute form and submit via eMessage or mail to:

Debit Card Services
PO Box 23603
Merrifield, VA 22119-3603

To report fraud, complete a Statement of Forgery form and submit via eMessage or mail to:

Navy Federal Credit Union
Attn: Card Fraud Prevention Recovery
PO Box 3503
Merrifield, VA 22119-3503

Report checking or savings account fraud or dispute transactions


Report checking and savings account fraud

Fax or Mail

To report fraud or dispute transactions, fax a completed Declaration of Forgery/Fraud (all other types of fraudulent activity Forgery Declaration for Checking/Checking Line of Credit (CLOC) Checks; form(s) to 703-206-4085 or mail to:

Navy Federal Credit Union
PO Box 2464
Merrifield, VA 22116-2464

Navy Federal will never ask for your personal information over the phone, through social media or email.

If you think you’ve encountered a scammer impersonating a Navy Federal employee, send an email detailing your interaction to For security reasons, please don’t include any personal account information in the email.

How We Protect Your Accounts

Using state-of-the-art fraud prevention systems, our dedicated staff monitors your accounts for fraud and unusual activity and will notify you of any suspicious activity we identify. We follow strict safeguards when mailing out cards and statements, and verify your identity whenever we receive calls. To be certain that we reach you quickly, please make sure we have your updated contact information. In addition, our Zero Liability policy ensures that you won't be responsible for confirmed false charges to your Navy Federal Debit or Credit Card.

Travel Notifications

If you plan to travel internationally or domestically, let us know when and where you’ll be traveling. That way, if our fraud monitoring team sees charges, they won’t flag it as suspicious activity and freeze your account.

There are three ways to place a travel notification on your account:

  • Log on to Account Access and add a travel notification to your debit or credit card.
  • Choose the travel notification option on the Navy Federal mobile app.*
  • Call 1-888-842-6328 for 24/7 live phone support.