Consumer complaint received 2022-06-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Mail a complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Friend : 13.8 percent of the U.S. households with XXXX ethnicity were unbanked in XXXX, which means that they had no account at an insured institution. 

My father is a XXXX XXXX XXXX veteran. Upon returning to America and the deep XXXX, XXXX. Although he had been promoted to the rank of XXXX he could only achieve employment has a driver. He was paid {$100.00} weekly in cash until the day he was injured on the job with insurance. 

As a veteran he never had a bank account. The socio economic conditions of the XXXX XXXX XXXX did not support the income foreknowledge or information flow for access to banking. I did not experience checking accounts until I arrived at a predominant non XXXX XXXX XXXX XXXX  XXXX 

In XXXX I applied for a Navy Credit Union account after viewing a XXXX television commercial which encouraged veteran family members to apply. I was denied an account because my father did have knowledge of the Navy Credit Union access. 
In fact, no bank reached out to XXXX XXXX for banking services. 

Navy Credit Union grand father clause or requirement of previous family members appears to be a Civil Rights Violations and in conflict with the. Community Reinvestment Act. 

grandfather clause grandfather clause, statutory or constitutional device enacted by seven Southern states between XXXX and XXXX to deny suffrage to XXXX Americans. It provided that those who had enjoyed the right to vote prior to XXXX or XXXX, and their lineal descendants, would be exempt from recently enacted educational, property, or tax requirements for voting. Because the former slaves had not been granted the franchise until the adoption of the Fifteenth Amendment in XXXX, those clauses worked effectively to exclude XXXX people from the vote but assured the franchise to many impoverished and illiterate XXXX. 
Although the U.S. Supreme Court declared in XXXX that the grandfather clause was unconstitutional because it violated equal voting rights guaranteed by the Fifteenth Amendment, it was not until Pres. Lyndon B. Johnson introduced the Voting Rights Act of XXXX that Congress was able to put an end to the discriminatory practice. The act abolished voter prerequisites and also allowed for federal supervision of voter registration. With the passage of the Voting Rights Act, the Fifteenth Amendment was finally enforceable. 



Navy Federal Credit Union navyfederal.org Description Navy Federal Credit Union is a global credit union headquartered in XXXX, Virginia, chartered and regulated under the authority of the National Credit Union Administration. Navy Federal is the largest natural member credit union in the United States, both in asset size and in membership. XXXX Customer service : XXXX ( XXXX ) XXXX XXXX pay : XXXX ( XXXX ) XXXX Headquarters : XXXX, VA XXXX : XXXX XXXX ( XX/XX/XXXX ) Founded : XX/XX/XXXX Number of employees : XXXX Subsidiaries : Navy Federal Financial Group, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX, XXXX

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