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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 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 navyfederal.org/goprepaid 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

Online

 - 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

Online

 - 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

Online

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

If a Suspicious Message Appears to Be From Us

Navy Federal will never solicit your personal information over the phone or through email. Please notify us of 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.

Contacting Navy Federal

If you supplied personal information via email, phone, social media or other means to someone you suspect was scamming you, contact Navy Federal 24/7 at 1-888-842-6328.

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.

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:

  • 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

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