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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 suspect fraud on your account, we’ll work with you to help restore your information and prevent any further damage, free of charge.

Reporting Fraud, Disputing a Charge and Other Security Issues

Find information and reporting options for credit and debit cards, identity theft and other account security concerns.

Choose the option below that best matches your situation.

Lost/Stolen Cards

If your card is lost or stolen, call us right away at 1-888-842-6328 to put an immediate hold on your account.

Report credit card fraud or dispute transactions

Online

Mail

  • Fraud: Mail a completed Written Statement of Forgery for Credit Card to:
    Navy Federal Credit Union
    Attn: Credit Card Recovery
    PO Box 3503
    Merrifield, VA 22119-3503
  • Disputes: Submit a dispute by mail to: 
    Navy Federal Credit Union
    Attn: Credit Card Disputes
    PO Box 3503
    Merrifield, VA 22119-3503

Credit Card Dispute FAQs

Learn how credit card disputes are resolved (PDF). 

Lost/Stolen Cards

If your card is lost or stolen, call us right away at 1-888-842-6328 to put an immediate hold on your account.

Report debit card fraud or dispute a transaction

Online

Mail 

  • To dispute a transaction, complete a Statement of Dispute form and mail to:
    Debit Card Services
    PO Box 23603
    Merrifield, VA  22119-3603
  • To report fraud, complete a Statement of Forgery form and 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

Online

Mail

To report unauthorized transactions on your GO Prepaid card, call 1-855-477-1138.

Report potential identity theft

If you shared personal information with someone you suspect is a scammer or think you may be a victim of identity theft, call us right away at 1-888-842-6328 to put an immediate hold on your account.

If a Suspicious Message Appears to Be From Us

Know that Navy Federal will never solicit your personal information over the phone or through email. Please contact us about any suspicious messages that appear to be from Navy Federal and provide the following information. For security reasons, please don't include any personal account information in the email.

 

Email

Forward the message to phishalert@navyfederal.org with the original subject line and include the name of your Internet Service Provider (ISP) in the body.

 

Phone or Text

Send an email to reportabuse@navyfederal.org with the time and date of the call or text, the number it originated from and what was requested.

 

Social Media

Send an email to reportabuse@navyfederal.org with the content of the message you received along with the social media account where it originated.

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 unauthorized transactions to your Navy Federal Debit or Credit Card.

Visit our Digital Security page to see more ways we protect your accounts.

Avoid Account Disruptions

A few quick steps can help prevent security holds on your account.

  1. Keep your contact information current. We need to reach you quickly if we spot suspicious activity, so make sure we can reach you without delay.
  2. Add travel notifications. Let us know when and where you’re traveling to avoid unexpected account holds. You can add a travel notification in 3 ways:
  • Sign in 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 support from our US-based member service team.

Privacy & Security Resources

View More Privacy & Security Resources