The Navy Federal Credit Union lawsuit story has grown into one of the biggest consumer banking legal battles heading into 2026. Between a $95 million CFPB penalty, a Department of Justice lending discrimination probe, and multiple class action complaints, millions of members could be affected.
This credit union serves over 13 million members, most of them military families. Yet federal regulators found it was charging illegal fees, using aggressive debt collection tactics, and allegedly denying fair mortgage rates to Black applicants.
If you’re a current or former Navy Federal member, this guide breaks down every active lawsuit. You’ll learn who qualifies, what the settlement payouts look like, and exactly how to file a claim. We’ll cover the discrimination allegations, the CFPB enforcement order, the overdraft fee complaints, and the timeline for refunds.
Some of these cases are resolved. Others are still moving through courts and regulatory processes. Here’s where everything stands right now.
Navy Federal Credit Union Lawsuit 2026
The Navy Federal Credit Union lawsuit in 2026 refers to a collection of ongoing legal and regulatory actions targeting the nation’s largest credit union. These cases span illegal fee practices, discriminatory lending, and abusive debt collection behavior.
Navy Federal Credit Union is headquartered in Vienna, Virginia. It serves active duty military, veterans, and their families. Despite its mission to support servicemembers, the credit union has faced serious allegations from both federal agencies and private plaintiffs.
The most significant action came from the Consumer Financial Protection Bureau in late 2024. The CFPB ordered Navy Federal to pay $95 million in penalties and restitution. That order addressed years of improper practices affecting millions of member accounts.
Heading into 2026, several threads remain active:
- The CFPB consent order and its restitution payments
- DOJ investigation into mortgage lending discrimination
- Private class action lawsuits over fees and account practices
- Individual arbitration claims from affected members
| Lawsuit Type | Agency or Plaintiff | Status as of 2026 |
|---|---|---|
| CFPB Enforcement | CFPB | Consent order active |
| Lending Discrimination | DOJ | Investigation ongoing |
| Class Action (fees) | Private plaintiffs | Pending in federal court |
| Overdraft Fee Claims | Private plaintiffs | Active litigation |
The scale of these cases is unusual for a credit union. Most enforcement actions this large target big banks. Navy Federal’s size and member base put it in a different category.
Navy Federal Credit Union Class Action Lawsuit
A Navy Federal Credit Union class action lawsuit allows a group of members to sue together over shared harm. Several class action complaints have been filed against Navy Federal in recent years, targeting fee practices and account handling.
Class actions work when thousands of people suffer the same type of injury. In Navy Federal’s case, members across the country reported similar problems: unexpected fees, frozen accounts, and aggressive collection on disputed debts.
One prominent class action alleged that Navy Federal charged improper overdraft fees on transactions that should not have triggered them. Members said the credit union reordered transactions to maximize fee revenue. That is a practice big banks were sued for a decade ago.
Another class action complaint focused on debt collection from joint accounts. Members claimed Navy Federal seized funds from joint account holders who were not responsible for the debt. This affected military spouses and family members.
Key facts about the class actions:
- Filed in federal courts across multiple states
- Seek restitution for millions of affected members
- Cover practices dating back to at least 2017
- Some overlap with the CFPB enforcement action
These class actions are separate from the government enforcement cases. A member could potentially receive compensation from both a class action settlement and the CFPB restitution fund.
The class actions are still working through the court system. No final class action settlement has been approved as of early 2026.
Navy Federal Credit Union Lawsuit Update 2026
The most recent Navy Federal Credit Union lawsuit update for 2026 shows the CFPB consent order moving into its payout phase while the DOJ investigation remains active. Private litigation continues in several federal courts.
Here is a timeline of the major developments:
| Date | Development |
|---|---|
| October 2024 | CFPB issues consent order; Navy Federal agrees to $95 million |
| Late 2024 | DOJ confirms lending discrimination investigation |
| Early 2025 | Navy Federal begins processing restitution payments |
| Mid 2025 | Class action complaints consolidated in federal court |
| Early 2026 | CFPB restitution payments continuing; DOJ probe ongoing |
The CFPB restitution is being distributed directly to affected members. Navy Federal is required to identify impacted accounts and issue refunds without members needing to file claims in most cases.
On the class action front, motions for class certification are pending. If courts certify these classes, settlements could follow within 12 to 18 months. That puts potential payouts in late 2026 or 2027.
The DOJ investigation has not yet resulted in a formal lawsuit. But the investigation’s scope covers mortgage lending patterns from 2018 through 2023. If the DOJ files suit, it would represent a major escalation.
Key Takeaway: The CFPB case is furthest along, with refunds already reaching members, while the DOJ probe and class actions could produce additional compensation in 2026 and beyond.
Navy Federal Lawsuit Settlement
The Navy Federal lawsuit settlement reached through the CFPB consent order totals $95 million. This breaks down into $80 million in restitution to harmed members and a $15 million civil penalty paid to the CFPB.
This settlement resolved allegations that Navy Federal engaged in illegal practices across three main areas:
- Improper debt collection: Freezing accounts and seizing funds without proper authorization
- Illegal fees: Charging fees that violated the credit union’s own account agreements
- Misleading communications: Failing to clearly disclose fee policies to members
The $80 million restitution fund is designed to pay back members who were directly harmed. Navy Federal must identify affected accounts using its own records. Most members do not need to take any action to receive their share.
The $15 million penalty goes to the CFPB’s victims relief fund. It does not go directly to Navy Federal members.
| Settlement Component | Amount | Recipient |
|---|---|---|
| Member Restitution | $80 million | Affected Navy Federal members |
| Civil Penalty | $15 million | CFPB Victims Relief Fund |
| Total | $95 million | Combined |
This is one of the largest settlements ever imposed on a credit union. By comparison, most credit union enforcement actions involve penalties under $10 million. Navy Federal’s size and the breadth of the violations explain the larger number.
The settlement does not prevent members from pursuing separate claims. If you were harmed in ways not covered by the consent order, you may still have legal options.
Navy Federal Credit Union Settlement Payout
The Navy Federal Credit Union settlement payout for individual members depends on the type of harm suffered. Members who were charged illegal fees could receive full refunds of those fees plus interest.
The CFPB consent order requires Navy Federal to calculate what each affected member is owed. This is based on account records showing:
- Fees charged improperly between specific dates
- Funds seized from accounts through illegal debt collection
- Penalties applied in violation of account terms
Estimated individual payout ranges:
| Type of Harm | Estimated Payout |
|---|---|
| Improper overdraft fees | $50 to $500 |
| Illegal account seizures | $200 to $2,000+ |
| Unauthorized debt collection | $100 to $1,500 |
| Undisclosed fee charges | $25 to $300 |
These ranges are estimates based on the types of violations described in the CFPB order. Your actual refund depends on your specific account history.
Most payouts are being issued as direct deposits to current accounts. Former members may receive checks mailed to their last known address. If you closed your Navy Federal account, make sure your mailing address is updated.
Navy Federal is not requiring most members to file a claim form. The credit union is identifying affected members automatically. But if you believe you were harmed and don’t receive a refund, you can contact Navy Federal directly or file a complaint with the CFPB.
Payments began rolling out in early 2025 and are expected to continue through mid 2026.
Navy Federal Credit Union CFPB Lawsuit
The Navy Federal Credit Union CFPB lawsuit is the centerpiece of the legal actions against the credit union. The Consumer Financial Protection Bureau brought an enforcement action in October 2024 that resulted in the $95 million consent order.
The CFPB found that Navy Federal violated federal consumer financial laws in several ways. The violations were not minor paperwork issues. They involved practices that directly took money from members’ accounts.
What the CFPB found:
- Navy Federal froze members’ accounts to collect debts, even when federal law prohibited it
- The credit union charged fees not disclosed in account agreements
- Members were not given proper notice before funds were seized
- Some members lost access to their accounts entirely during collection actions
Think of it this way: imagine your bank freezes your checking account to collect on a separate loan, and you can’t pay rent or buy groceries. That is what happened to Navy Federal members.
The CFPB’s investigation covered practices spanning multiple years. The violations affected accounts across all branches and digital platforms.
Under the consent order, Navy Federal must:
- Stop the illegal practices immediately
- Pay $80 million back to affected members
- Pay a $15 million civil penalty
- Submit to ongoing CFPB monitoring and compliance reviews
This is a binding legal order. Navy Federal cannot appeal it or renegotiate the terms. The credit union agreed to the order to avoid a full federal lawsuit.
Key Takeaway: The CFPB action is the most impactful legal proceeding against Navy Federal, with $80 million going directly back to members who were harmed by illegal fee and collection practices.
Navy Federal Debt Collection Lawsuit
The Navy Federal debt collection lawsuit centers on the credit union’s practice of seizing member funds to collect on delinquent debts. Federal regulators found these practices violated consumer protection laws.
Here is how it worked. When a member fell behind on a Navy Federal loan, the credit union would freeze their other accounts. Savings accounts, checking accounts, even joint accounts held with family members were locked down. Navy Federal would then sweep funds from those accounts to cover the unpaid debt.
The problem? Federal law requires specific procedures before a creditor can seize funds. Navy Federal skipped several of those steps.
Specific violations included:
- Seizing funds without providing required written notice
- Freezing accounts that contained protected federal benefits (Social Security, military pay)
- Collecting from joint account holders who did not owe the debt
- Applying seized funds to fees and interest before the principal balance
Military families were hit especially hard. Active duty servicemembers who deployed overseas came home to find their accounts drained. Spouses who shared joint accounts had their funds taken for debts they never agreed to.
| Debt Collection Practice | Legal? |
|---|---|
| Freezing accounts with proper notice | Yes |
| Seizing funds without notice | No |
| Taking protected federal benefits | No |
| Collecting from non-liable joint holders | No |
These practices affected an estimated hundreds of thousands of accounts. The CFPB consent order specifically addresses these debt collection violations and requires full restitution.
Navy Federal Credit Union Discrimination Lawsuit
The Navy Federal Credit Union discrimination lawsuit involves allegations that the credit union denied mortgage loans to Black applicants at significantly higher rates than white applicants. This is separate from the CFPB fee and collection case.
A CNN investigation published in December 2023 revealed that Navy Federal approved 75% of white applicants for conventional home purchase mortgages. For Black applicants with similar financial profiles, the approval rate was just 48%. That is a 27 percentage point gap.
The disparity was striking because Navy Federal is the country’s largest credit union. It processes enormous volumes of mortgage applications. A gap that large across that many applications raises serious fair lending concerns.
Key statistics from the investigation:
- 75% approval rate for white applicants
- 48% approval rate for Black applicants
- Gap persisted even when controlling for income and creditworthiness
- Patterns identified across multiple years of lending data
These numbers do not automatically prove intentional discrimination. But under fair lending laws like the Equal Credit Opportunity Act (ECOA), lenders can be held liable for disparate impact. That means even unintentional policies that produce discriminatory outcomes can violate the law.
Navy Federal responded to the CNN report by saying it is “committed to equal and equitable lending.” But the credit union did not release data disputing the findings.
The discrimination allegations triggered the DOJ investigation, which remains active heading into 2026. They also fueled additional private lawsuits from individual applicants who were denied mortgages.
Navy Federal Credit Union Lending Discrimination
Navy Federal Credit Union lending discrimination goes beyond just approval rates. The allegations cover the entire mortgage process, from application screening to interest rate pricing and loan terms.
Fair lending experts who reviewed Navy Federal’s data found several concerning patterns:
- Black applicants were more likely to be steered toward higher-interest products
- Applications from Black borrowers spent longer in review
- Denial reasons were vague or inconsistent compared to denials for white applicants
- Black applicants in the same income bracket received worse terms
Lending discrimination in America is not a new problem. But it is unusual for a military-focused credit union to face these accusations. Navy Federal serves a disproportionately diverse membership base, which makes the disparities more troubling.
| Lending Metric | White Applicants | Black Applicants |
|---|---|---|
| Approval Rate | 75% | 48% |
| Average Processing Time | Shorter | Longer |
| Higher-Rate Product Steering | Less frequent | More frequent |
The Home Mortgage Disclosure Act (HMDA) requires lenders to report demographic data on mortgage applications. This public data is what allowed journalists and regulators to identify the patterns at Navy Federal.
If you are a Black applicant who was denied a Navy Federal mortgage or received unfavorable terms between 2018 and 2023, you may have a claim. Both the DOJ investigation and private lawsuits could result in compensation for affected borrowers.
Key Takeaway: Mortgage lending discrimination at Navy Federal affected Black applicants at alarming rates, and both federal investigators and private attorneys are pursuing accountability.
Navy Federal Credit Union DOJ Investigation
The Navy Federal Credit Union DOJ investigation is a federal probe by the U.S. Department of Justice into whether the credit union violated fair lending laws. The investigation began after media reports exposed significant racial disparities in mortgage approvals.
The DOJ’s Civil Rights Division handles fair lending investigations. When the division opens a probe, it typically reviews:
- Internal lending policies and underwriting criteria
- Training materials provided to loan officers
- Statistical analysis of approval and denial rates by race
- Communications about lending standards and exceptions
A DOJ investigation of this type can take two to four years to complete. The probe was confirmed in late 2024, meaning results could come as early as late 2026 or extend into 2027.
Possible outcomes of the DOJ investigation:
- A consent decree requiring Navy Federal to change its lending practices
- Monetary penalties and a restitution fund for denied applicants
- Court-monitored compliance for several years
- A federal lawsuit if Navy Federal refuses to settle
The DOJ has a strong track record in fair lending cases. In recent years, the department secured settlements exceeding $100 million from other large lenders for similar violations.
Navy Federal has not been formally charged. But the existence of the investigation puts real pressure on the credit union. Settlements in these cases often include both financial penalties and required changes to business practices.
If the DOJ finds violations, affected borrowers could receive compensation on top of any payouts from the CFPB case or class actions.
Navy Federal Credit Union Illegal Fees Lawsuit
The Navy Federal Credit Union illegal fees lawsuit addresses charges that the credit union imposed fees that violated its own member agreements and federal consumer protection rules.
The fees at issue were not standard banking charges. They were fees that members did not agree to, were not properly disclosed, or were applied in ways that contradicted Navy Federal’s written policies.
Types of illegal fees identified:
- Overdraft fees charged on transactions that had sufficient funds at the time of authorization
- Non-sufficient fund (NSF) fees charged multiple times for the same transaction
- Late payment fees applied before the grace period expired
- Account maintenance fees not listed in the member agreement
One particularly harmful practice involved reordering transactions. Navy Federal would process larger transactions before smaller ones within the same day. This made accounts appear overdrawn sooner, triggering more overdraft fees. A member who made five small purchases and one large purchase might get hit with four or five overdraft fees instead of one.
| Fee Type | What Happened | Members Affected |
|---|---|---|
| Overdraft | Charged despite sufficient funds | Hundreds of thousands |
| Multiple NSF | Same transaction charged twice | Tens of thousands |
| Late Payment | Charged before grace period ended | Unknown |
| Hidden Maintenance | Not in member agreement | Widespread |
These fees added up fast. Some members reported paying hundreds of dollars in improper fees over the course of a year. For military families living on tight budgets, that amount can mean the difference between making rent and falling behind.
Navy Federal Overdraft Fee Lawsuit
The Navy Federal overdraft fee lawsuit specifically targets the credit union’s practice of charging overdraft fees on debit card transactions that were authorized when the account had enough money. This practice is sometimes called “authorize positive, settle negative” overdraft charging.
Here is the scenario. You check your balance, see $200, and buy $50 worth of groceries. At the time you swipe your card, you have the money. But by the time the transaction settles a day or two later, other transactions have posted and your balance is below zero. Navy Federal then charges you a $20 overdraft fee on the grocery purchase.
Courts across the country have ruled that this practice is deceptive. When a member authorizes a transaction with sufficient funds, they have no reason to expect an overdraft fee. The credit union’s account agreement promised fees only when members did not have enough money.
Why this matters for you:
- If you had a Navy Federal checking account between 2017 and 2024, you may have been affected
- Each improper overdraft fee was typically $20
- Members who used debit cards frequently could accumulate dozens of these fees
- Refunds should include both the fees and any interest charged on resulting negative balances
The overdraft fee claims are part of both the CFPB consent order and separate class action lawsuits. Members may receive automatic refunds through the CFPB process. Those with larger losses may have additional claims through private litigation.
Key Takeaway: If you were charged overdraft fees by Navy Federal on transactions you made when your account had a positive balance, you are likely entitled to a full refund of those fees.
Navy Federal Credit Union Consumer Complaints
Navy Federal Credit Union consumer complaints filed with federal agencies reveal a pattern of problems that match the allegations in the lawsuits. These complaints provide a window into how everyday members experienced the credit union’s practices.
The CFPB’s consumer complaint database shows thousands of complaints filed against Navy Federal over the past five years. The most common complaint categories include:
- Account management problems (freezes, closures, access issues)
- Improper fee charges
- Debt collection harassment
- Credit reporting errors
- Mortgage and loan application issues
Many complaints describe a similar cycle. A member falls behind on one Navy Federal product. The credit union then freezes all of their accounts. The member cannot access their paycheck, pay bills, or even contact a representative who can help. The freeze triggers more fees, creating a debt spiral.
| Complaint Category | Approximate Volume (2020 to 2025) |
|---|---|
| Account management | 3,000+ |
| Fees and charges | 2,500+ |
| Debt collection | 2,000+ |
| Credit reporting | 1,800+ |
| Mortgage issues | 1,200+ |
Consumer complaints to the CFPB are public records. They carry weight in regulatory investigations because they show patterns over time. The volume of complaints against Navy Federal helped trigger the CFPB’s enforcement action.
If you experienced problems with Navy Federal and never filed a complaint, you can still do so. Filing a CFPB complaint creates a record that supports ongoing and future legal actions. It can also prompt Navy Federal to resolve your individual issue.
Navy Federal Credit Union Lawsuit Eligibility
Navy Federal Credit Union lawsuit eligibility depends on which legal action applies to your situation. Different lawsuits cover different types of harm, and your eligibility varies based on what happened to your account.
You may be eligible if:
- You were charged overdraft or NSF fees that you believe were improper (2017 to 2024)
- Your accounts were frozen or funds were seized without proper notice
- You are a joint account holder whose funds were taken for another person’s debt
- You are a Black mortgage applicant who was denied by Navy Federal (2018 to 2023)
- You were charged fees not disclosed in your member agreement
- Protected benefits (Social Security, VA benefits, military pay) were seized from your account
| Lawsuit | Who Qualifies |
|---|---|
| CFPB Consent Order | Members charged illegal fees or subjected to improper debt collection |
| Class Action (Fees) | Members charged overdraft/NSF fees improperly |
| DOJ Discrimination | Black mortgage applicants denied or given worse terms |
| Private Arbitration | Any member with individual claims of harm |
For the CFPB restitution, you likely do not need to do anything. Navy Federal is required to identify affected members using internal records. If you qualify, the refund should come to you automatically.
For class actions, you will need to wait for class certification and then either remain in the class or opt out to pursue individual claims.
For discrimination claims, you may need to provide documentation of your mortgage application and denial.
How to File a Claim Against Navy Federal
Filing a claim against Navy Federal starts with identifying which legal action applies to you. Here is a step-by-step breakdown of your options.
Step 1: Check if you are receiving automatic restitution.
The CFPB consent order requires Navy Federal to identify and pay affected members directly. Log into your Navy Federal account or call member services to ask if a refund has been applied or is pending.
Step 2: File a complaint with the CFPB.
Go to the CFPB’s complaint portal. Describe what happened with your account. Include dates, dollar amounts, and any communications from Navy Federal. The CFPB will forward your complaint to Navy Federal and require a response.
Step 3: Join or monitor class action lawsuits.
If a class action is certified, you will typically receive notice by mail or email. You can choose to stay in the class and share in any settlement, or opt out and file your own lawsuit.
Step 4: Consider individual arbitration or litigation.
Navy Federal’s member agreement includes an arbitration clause. If you opt out of the class action, you may pursue your claim through arbitration or by hiring an attorney for individual litigation.
| Step | Action | Timeline |
|---|---|---|
| 1 | Check for automatic refund | Now |
| 2 | File CFPB complaint | Anytime |
| 3 | Monitor class action notices | Ongoing |
| 4 | Pursue individual claim | When ready |
Key Takeaway: Most members do not need to file a claim for the CFPB refund, but filing a CFPB complaint strengthens your position and creates an official record of your experience.
Navy Federal Credit Union Arbitration Clause
The Navy Federal Credit Union arbitration clause is a provision in the member agreement that requires disputes to be resolved through arbitration rather than court. This clause affects how members can pursue legal claims against the credit union.
Arbitration is a private process where a neutral third party decides the outcome instead of a judge or jury. Companies prefer arbitration because it is faster, cheaper, and typically results in lower payouts than court cases.
What the arbitration clause means for you:
- You may not be able to sue Navy Federal in court individually
- You may be required to use an arbitration service chosen by the credit union
- Class action participation may be limited by the clause
- Arbitration decisions are usually final and hard to appeal
However, arbitration clauses have limits. Courts have invalidated some arbitration clauses as unconscionable, especially when they are buried in long agreements that members never read. Some states also restrict the enforceability of arbitration clauses in consumer financial contracts.
| Arbitration Feature | Benefit for Member | Drawback for Member |
|---|---|---|
| Speed | Faster resolution | Less time to build your case |
| Cost | Often lower upfront | May limit damages available |
| Privacy | Not public | No public record of wrongdoing |
| Appeal | Rarely allowed | Limited options if you lose |
The class action lawsuits against Navy Federal are challenging the arbitration clause. If courts rule the clause unenforceable, more members could participate in class-wide settlements.
If you are considering an individual claim, read your member agreement carefully. Check whether you opted out of arbitration when you opened your account. Some members had a 30-day opt-out window.
Navy Federal Credit Union Refund
A Navy Federal Credit Union refund under the CFPB consent order is being issued to members who were charged illegal fees or had funds improperly seized. Most refunds do not require you to take any action.
Navy Federal is processing refunds based on its own account records. The credit union is required to identify every transaction that violated the consent order and calculate the refund amount for each affected member.
How refunds are being distributed:
- Current members: Refunds deposited directly into active accounts
- Former members with open accounts: Deposited into those accounts
- Former members with closed accounts: Mailed as checks to last known address
- Deceased members: Distributed to the estate or surviving beneficiaries
If you closed your Navy Federal account and moved, your refund check may not reach you. Contact Navy Federal to update your address. You should also monitor the CFPB’s website for updates on the restitution process.
| Refund Scenario | How You Receive It | Action Needed |
|---|---|---|
| Active member | Direct deposit | None |
| Former member (address current) | Mailed check | None |
| Former member (address outdated) | Check to old address | Update address with Navy Federal |
| Deceased member | Sent to estate | Estate representative should contact Navy Federal |
Refund timeline: Payments began in early 2025. The bulk of refunds are expected to be completed by mid 2026. If you have not received a refund and believe you should have, file a CFPB complaint and contact Navy Federal’s member services line.
Do not trust unsolicited calls, texts, or emails claiming to be from Navy Federal about your refund. Scammers often target people involved in large settlements. Always verify by calling Navy Federal directly at the number on your account statement.
Frequently Asked Questions
How much money will I get from the Navy Federal Credit Union lawsuit?
Most members receiving restitution can expect between $50 and $2,000, depending on the type and volume of illegal fees or seizures on their accounts.
The exact amount is calculated from your individual account history.
Payments from the CFPB consent order began in early 2025 and continue through mid 2026.
Who qualifies for the Navy Federal Credit Union class action lawsuit?
Any Navy Federal member who was charged improper fees or had funds seized without proper notice between 2017 and 2024 may qualify.
Black mortgage applicants denied loans between 2018 and 2023 may qualify for discrimination claims.
You do not need to take action for the CFPB refund; Navy Federal is identifying eligible members automatically.
Is there a deadline to file a claim against Navy Federal?
There is no single deadline because multiple legal actions are involved.
The CFPB restitution is being processed automatically, but class action deadlines will be announced when cases reach settlement.
Filing a CFPB complaint has no deadline, but acting sooner creates a stronger record.
Did Navy Federal Credit Union discriminate against Black borrowers?
A CNN investigation found that Navy Federal approved 75% of white mortgage applicants compared to just 48% of Black applicants with similar financial profiles.
The U.S. Department of Justice opened an investigation into these lending disparities.
No formal charges have been filed yet, but the probe is ongoing as of 2026.
How do I check the status of my Navy Federal lawsuit refund?
Log into your Navy Federal account online or call member services to ask if a restitution credit has been applied.
Former members should contact Navy Federal to verify their mailing address for check delivery.
You can also file a complaint with the CFPB if you believe you are owed a refund but have not received one.
The Navy Federal Credit Union lawsuit saga is far from over. With CFPB refunds still being distributed, a DOJ probe in progress, and class actions moving forward, 2026 is a critical year for affected members.
If you were hit with improper fees or denied a fair mortgage, take action now. Check your account for refund credits. File a CFPB complaint if you have not received what you are owed.
Stay informed as new developments emerge. Your rights have an expiration date, and the window to act won’t stay open forever.
