Navy Federal Credit Union Multiple NSF Fees Settlement

Settlement Structure: Claims Made

Active: Closed

Closed Settlement Statement:

According to court documents, the claim submission deadline has passed. Please contact the claims administrator if you have any questions.

Case Summary:

Navy Federal Credit Union is paying some $16 million to settle a class action alleging that it charged customers “representment” fees, or multiple non-sufficient funds (NSF) fees on a single item and that this breached its contracts with customers. The complaint claimed that when an item that had previously been refused payment for insufficient funds was presented again for payment, Navy charged a second and/or third NSF fee to reject the item. These fees are called “representment fees.”

Docket Number:


Company: Navy Federal Credit Union

Filing Deadline: January 1, 2100

Class Period: January 28, 2014 to October 27, 2020

Objection Deadline: February 24, 2021

Exclusion Deadline: February 24, 2021

Final Approval Hearing: March 26, 2021

Proof of Purchase:

Presumably Navy’s records will be used for verification. No claim forms are needed for this settlement.


You may be eligible if you have or had a Navy Federal Credit Union account and were charged representment NSF fees between January 28, 2014 and October 27, 2020.

Typical Settlement Amount:

Final payment amounts will be based on the number of settlement class members and the amount each paid in representment fees on certain transactions.

Total Settlement Amount: $16 million

Class Representative Proposed Incentive Fee:


Law Firms:
Kaliel Gold PLLC
Kopelowitz Ostrow Ferguson Weiselberg
Tycko Zavareei

Case Name: Ruby Lambert v Navy Federal Credit Union

Settlement Website: Navy Federal Credit Union Multiple NSF Fees Settlement Website

Claims Administrator:
JND Legal AdministrationD

Claims Administrator Contact Information:

Lambert Representment NSF Fee Settlement
c/o JND Legal Administration
P.O. Box 91190
Seattle, WA 98111

Tags: Additional charges in breach of contract, Insufficient or Non-Sufficient Funds Fees, Your Bank