Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 TO : NAVY FEDERAL CREDIT UNION ATTN : XXXX XXXX, President/CEO FROM : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX RE : Complaint and Grievance, regarding events which led up to my PPP application denial Dear Ms. XXXX XXXX, I am writing to inform you that a complaint and grievance process, is being filed with the SBA, and appropriate banking consumer protection organizations in regards to my PPP application submitted XX/XX/2020 and the events which led to my PPP application denial. 

As a veteran and loyal customer with NFCU, the disrespect, misrepresentation and unprofessionalism shown towards me by a few NFCU employers and supervisors, I believe has led to an abrupt decision to deny my PPP application and approval. 

As communicated in my communication messages submitted via NFCU secure message center on several occasions, NFCU staff in particular a supervisor named XXXX communicated to me, that I should submit false and misleading documents ( i.e. 1099, Schedule C, 941 etc ) to secure the PPP loan. I communicated that I would not submit any misleading financial documents or federal document to SBA to secure a loan. 

On several occasions during my application process, NFCU personnel informed me via phone conversation that I needed to submit unrelated documents as mentioned above that were not warranted nor deemed regarding my PPP loan application process and approval. 

The supervisor by the name XXXX phoned me on several occasions insisting that I submit the misleading documents mention the above. that wasnt relevant nor warranted to me qualifying for the SBA PPP loan, due to the fact that my business didnt start until XX/XX/2020. I informed XXXX that I do not have any employers therefore it is not required by federal tax law that I file a form 941 IRS code. 

XXXX called me several times harassing me on this issue, insisting that if I didnt falsify a federal form 941, he would do everything in his power to prevent my loan application process and approval. He indicated that he would prevent the continuation of my PPP application and create obstacles to prevent my application for being approved. 

Furthermore, I was informed that any additional information needed for the consideration of my PPP loan application, it would be communicated to me in writing either thru the NFCU secure message center or email. As to date, I never received any written communication for any additional documents needed for my PPP loan application process. 

Since the submission of my PPP loan application, NFCU staff and NFCU PPP representatives on several different occasions communicated to me via phone conversation that my PPP application was approved and that I would be receiving via email my promissory note documents by XX/XX/2020. This never happened, I called today to inquirer of my PPP loan application status, and was informed that my PPP application was denied. 

I called back to inquire for more detailed information on why my PPP application was denied and a supervisor named XXXX with NFCU informed me that the denial came from SBA and he indicated that he did not have any more information concerning my PPP application denial, and I would be getting a denial letter from SBA in 60 days with the specific reasons detailing why my PPP application was denied. 

Documents submitted to NFCU for PPP loan application 1. SBA PPP loan Application 2. Income Summary Report 3. Financial Statement and Ledger XXXX XXXX XXXX