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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.
Direct Debit: typically up to 7 days. EFTPOS and ATM: typically up to 30 days. Visa Debit: typically within 45 days, however timeframes may vary depending on the reason for the dispute and how the transaction was processed.
If the request is after 30 minutes, Navy Federal will submit a reversal request to the payee's financial institution and attempt to retrieve the funds; however, there is no guarantee that the funds will be returned.
This process is more complicated and time-consuming. Sign in to your account at navyfederal.org. Select the credit card or debit card under the accounts tab. Next, choose the option for disputing a purchase. You will need to fill out all the information. Follow all the steps and upload any documents or evidence.
Quick facts: Fraudulent charges: Call your credit card issuer, ask it to remove the charges and request a new card. Billing errors: Contact the merchant first to try to resolve the issue, then reach out to your credit card issuer to dispute the charge if you're unable to resolve it directly.
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Dispute investigations can take up to 120 days from the date of your claim; however, you may be able to contact the merchant directly to resolve your dispute sooner. Cases tend to be resolved faster when members provide documentation supporting their claim against the merchant.
Phone: Call Navy Federal at 888-842-6328. Enter your Access Number and telephone password (if you've set one up). Press 3 for credit cards and then press 2 to report fraud or unrecognized charges. Branch: A Member Service Representative will assist you.
If you deliberately made a transaction that doesn't appear correct on your account, you should dispute it. To dispute a Debit Card transaction call us at 1-888-842-6328.
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.
Fraudulent debit transactions must be reported to Navy Federal within 60 days of the statement date.

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