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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 a transaction was posted to your account that you didn’t authorize, it’s considered fraud and should be reported as such.

Report Fraud on a Credit Card

Inaccurate Transactions

If you deliberately made a transaction that doesn’t appear correct on your account, you should dispute it.

Dispute Credit Card Transactions

To dispute a Debit Card transaction call us at 1-888-842-6328.

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 or Visa Buxx Cards:

Other Ways to Contact Us

To report fraud or dispute transactions, complete the following forms and fax/mail them to the contact information below.

REPORT FRAUD

Credit Card Affidavit of Fraud and Forgery

Fax completed form to 703-206-2055 or mail completed form to:

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

DISPUTE TRANSACTION

For information on filing a dispute and answers to other common questions, see our Frequently Asked Questions.

For additional assistance with disputing a transaction, you can call us toll-free: 1-888-842-6328.

To report fraud or dispute transactions, complete the following forms and submit them to the contact information below.

REPORT FRAUD

Complete Statement of Forgery form and submit via eMessage or mail the completed form to:

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

DISPUTE TRANSACTION

The quickest way to dispute a transaction is to call us toll-free at 1-888-842-6328.

You can also complete and attach the Statement of Dispute form online through Account Access by sending us a message.

Or, mail it to:

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

To report fraud or dispute transactions, complete the following forms and fax/mail them to the contact information below.

REPORT FRAUD

Forgery Declaration for Checking/Checking Line of Credit (CLOC) Checks

Declaration of Forgery/Fraud (all other types of fraudulent activity)

Fax completed form(s) to 703-206-4085 or mail completed form(s) 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 receive a suspicious message that appears to be from us, you can alert us by sending an email to reportabuse@navyfederal.org. 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.

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