How To Get A Refund From Navy Federal Credit Union

Editorial Note: These articles reflect the opinions of's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem. is not a legal firm and does not hold a license to practice law. is a website that provides legal information and self-help.

Can You Get A Refund From Navy Federal? Yes, Here's How!

Navy Federal is a bank and credit union that serves current and former members of the military and armed forces in the United States. This bank offers appealing rates and discounts for eligible service members. Despite the bank being exclusive to armed forces members, it’s the largest credit union in the country, serving over 13 million customers.

Though if you’re wondering how to get a refund from Navy Federal, you’re likely wondering what you need to do to get your cash back. That’s where we at can help! Let us show you everything there is to know about Navy Federal refunds.

Can You Get A Refund From Navy Federal?

Navy Federal can help customers get refunds for disputed transactions. If you see an unauthorized purchase, or you didn’t receive the goods or services that you paid for, you can contact Navy Federal and have a teller do a bank chargeback so your funds will return to your account.

Keep in mind that you’ll need to at least show you’ve made an attempt to contact the merchant. Otherwise, you’ll be instructed by a Navy Federal specialist to do just that before you can move forward.

How Can I Contact Navy Federal?

You can reach out to Navy Federal in 4 different ways. Here’s a rundown of all the ways you can get help for a troubling transaction on your bank statement:

OnlineVisit Log into your account. Then click on the “Accounts” tab. Click on “Dispute a Credit Card Purchase” at the bottom of the page. Follow the prompts to file an unauthorized purchase.
PhoneCall (888) 842-6328. Enter your Access Number, and if application, your telephone password. Then, press “3”, followed by “2” to inquire about credit card fraud or unrecognizable transactions.
In-PersonVisit your nearest Navy Federal location during business hours. To find the nearest branch, visit
Snail MailWrite a letter to: P.O. Box 3503 Merrifield, VA 22119-3503

There’s no right or wrong way to contact Navy Federal but keep in mind that some contact methods will be more convenient to you than others.

How Long Does It Take For Navy Federal To Investigate A Credit Card Dispute?

An investigation can take up to 3 months from the day you file a claim. The company notes that investigations can end sooner if you are able to resolve it with your merchant. If you can provide visual evidence to Navy Federal, such as text conversations or receipts, that also can help accelerate the investigation.

How Do I Send Visual Evidence To Navy Federal?

There are many ways that evidence can be submitted to Navy Federal. Here are all the ways from most to least convenient.

  • In-Person - Go to your nearest Navy Federal Branch to speak to a specialist. You can share and copy conversations and receipts easily this way.
  • Mail - Write a letter to P.O. Box 3503 Merrifield, VA 22119-3503. Be sure to include the evidence along with your letter.
  • Fax - Fax a letter to 703-206-3679. Be sure to include the evidence along with your letter.

Providing proof can go a long way in helping you get a favorable outcome with Navy Federal, making it more likely to get a chargeback.

Will Navy Federal Contact Me About My Dispute?

Navy Federal will mail you a letter of the decision made on your case. The company can either grant you a refund or deny it.

If you can’t wait to find out if your refund has been granted, you can either call Navy Federal or send the customer support team a message. They should let you know if a decision has been made right then and there.

Reasons To Open A Navy Federal Credit Card Dispute

If you’re worried that opening a dispute might lead to risky ramifications towards your account, don’t worry. There are many reasons disputes are opened with credit unions, and if the company denies a refund, nothing usually happens after that.

Here are some legitimate reasons to start a credit card dispute at Navy Federal:

  • A purchase was made without your consent
  • The merchant won’t respond
  • The transaction amount is incorrect
  • You’re still paying for a subscription you canceled
  • The goods you ordered never arrived

How To Get Back At Shady Merchants With

With, we can help build a strong case to your Navy Federal branch so they are likely to accept a chargeback on your purchase., but we can convince your bank to reimburse you if they feel the corporation was in the wrong.

Here’s how to get your bank to give you a refund:

  1. Register your account.
  2. Tell us what happened and why you’d like a refund.
  3. Submit your information and see our AI’s professionally-crafted letter and assigned reason code. This gives you even better odds of getting the refund.
  4. Wait as we mail the letter to your bank for a formal review.

It’s that easy! When refunds are granted, it will take around 3 to 5 business days for your newly-acquired funds to make it to your bank account.

Closing A Navy Federal Bank Account

You can close your Navy Federal Bank Account by speaking with a specialist at a branch, calling Navy Federal customer service, or sending the company a message online. If you still have money remaining in the account, the specialist will show you how to recover the money before the account closes. Typically, you’ll have to do a bank-to-bank transfer where the money will go to your new bank. If the account closes and you don’t recover the money, Navy Federal will mail you a check with the remaining balance on it.

Alternatively, a bank Navy Federal bank account can be closed automatically if you maintain a balance of $0 in it for 180 consecutive days.

Get Your Bank Account Money Back Using is an unprecedented tool for everyday customers to ask their banks for refunds involving wire transfers, food orders, concert tickets, and much more. You owe it to yourself to take action every time you trust a shady merchant online.

DatingTinder refundHinge refundBumble refundPlenty of Fish (POF) refundGrindr refund
EntertainmentOnlyFans refundAudible refundTicketmaster refundDisney refund
FinanceVenmo refundZelle refundPayPal refundCashApp refundAffirm refund
Food/ GroceryDoordash refundInstacart refundGrubhub refundUberEats refundDomino’s refund
GamingRoblox refundRiot refundPlayStation refundXbox refundNintendo refund
Online ServiceGrammarly refundAmazon refundShopify refundLyft refundChegg refund
Streaming/ TechNetflix refundSpotify refundHulu refundApple refundYouTube refund
TravelFrontier Airlines refundDelta Airlines refundUnited Airlines refundAirbnb refundAmtrak refund

Frequently Asked Questions (FAQs)

Does Navy Federal Have 24/7 Customer Support?

Navy Federal has customer service 24 hours a day, 7 days a week. Feel free to call customer support at (888) 842-6328. Navy Federal branches are only open during regular business hours, such as from 8:00 AM to 5:00 PM.

What Happens If I Report Fraud To Navy Federal?

When reporting an unauthorized charge to your account, Navy Federal will initiate a chargeback. Your account will also be frozen and your credit card will be disabled, so you won’t be able to use the card for purchases until you activate a new card. Navy Federal should mail you a new card and deliver it in around 7 to 10 business days.

What Kinds Of Scams Are Navy Federal Aware Of?

Navy Federal has had customer experience countless different scams where a scammer pretends to be a person that they aren’t as a means to ask unsuspecting customers for money.

These scams include romance scams, IRS scams, tech support scams, job scams, debt collection scams, and charity scams. Learn more by visiting Navy Federal's Financial Scams page.

How Long Does It Take For Navy Federal To Mail A Chargeback Request Response?

If you decide to mail Navy Federal about an open dispute, it should take up to 3 days for Navy Federal to receive it, and then up to 3 additional days or more for them to mail your response to you. Consider contacting Navy Federal at a branch or by phone for faster customer service.

How Much Money Can I Withdraw From Navy Federal?

According to Navy Federal documents, you can only withdraw up to $1000 from your checking account per day. If you have a lot of money in your account and wish to close it, consider starting a bank-to-bank transfer rather than making one withdrawal per day.