Consumer complaint received 2019-08-22
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/XXXX, I filed for a Pre-Approval VA Home Loan with Navy Federal Credit Union which was approved to start the home loan process. The amount was for approximately {$330000.00} to {$360000.00}, with a deposit or XXXX for approximately {$110000.00} to {$120000.00} from my recent home being sold on XX/XX/XXXX. During the process the loan was denied because of a Chapter XXXX Bankruptcy over 16 years for visa credit card for approximately {$2500.00}. They included the Bankruptcy, poor credit performance with them, delinquent past or present credit obligations with others, time since most recent account openings is too short, length of time revolving accounts have been established, too many accounts with balances and length of time accounts have been established. This was and old debt and was no longer showing on all three major credit bureaus creditors use for approving credit. 
Again one of the reasons is from retaliation and grudge from the Chapter XXXX Bankruptcy against Navy Federal Credit Union Visa Credit Card debt of about {$2500.00} on or about XX/XX/XXXX. The bankruptcy was removed and deleted on or about XX/XX/XXXX. To become a member again about XX/XX/XXXXor XX/XX/XXXX. I had to pay the former debt and/or provide the evidence I filed bankruptcy. I provided the required bankruptcy documents to become a member again, however I thought from the former being in default or not being abled to pay from financial hardship, unemployed and a previous divorce the debt would be forgiven and not held or used against me. I do not know why and for what reasons the credit union keep such old information to still use against their customers or members. 
I have an excellent credit score of XXXX, paid my debts on time with no late or missed payments. All of their false, negative views and opinions are false. 
I am being retaliated because of the past debt and bankruptcy decades ago and the Federal Bankruptcy Laws ( NFCU ) is  breaking and is illegal. My XXXX from being a XXXX veteran, ethnicity and/or race, family status of having a child under XXXX years old, being the single provider to my wife and son and my income from the Department of Defense via the Department of Veterans Affairs Benefits Administration and Social Security Administration. 
This is a Violation of my Civil Rights and Federal Laws. I feel and believe why should I have to go through a fair resolution to the issues and they do not have to abide by the U. S. Federal Statues and Laws. Their webpage site and online accounts for members do state they forgive previous debts for their credit cards and different loan programs. I am being singled out because of my race, XXXX, income sources, family status and others, when they are given loans out to other members from the same conditions and all these documents should be surrendered by the credit union. I do not know how to attach documents and/or uploads. I request a fax number or mailing address or email address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation