Consumer complaint received 2021-03-24
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX, Sr XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/XXXX Honorable Secretary XXXX XXXX, I write to you today out of a deep sense of frustration as an XXXX American living in Virginia over fifty-four years. During this time, I have been discriminated against, due to my race, several times in the workplace here in Virginia, all documented with U.S. Equal Employment Opportunity Commission. The last place of employment, I worked as a XXXX  XXXX  at XXXX XXXX in XXXX, Virginia. 

There was a position open as a XXXX  XXXX  XXXX, which no one wanted, I applied for the position, was declined, to find out later XXXX XXXX want a XXXX person for this position. I filed a discrimination complaint with the EEOC and given a right to sue. A few weeks later on XX/XX/XXXX, I was terminated from my job at XXXX XXXX. In order to provide for my family, I apply for unemployment benefits, which normally last for one year until full employment is achieved again. 

At this time, I had enough with systematic racism and discrimination in Virginia and I started working as a XXXX  XXXX XXXX. Due to stress situation, I had a fainting spell, my XXXX XXXX went up, I was hospitalized for two days. A few weeks later I received a bill from the XXXX, for over {$20000.00}. During this time, I am getting half of my income which put a serious strain on our financial situation, which forced my family into bankruptcy on XX/XX/XXXX. 

During XXXX we open a bank account with Navy Federal Credit Union. Since being a loyal member, we applied for several personal loans and several Mortgage loans, after Navy Federal Credit Union was advertising help for members with challenged credit and low income. I asked Navy Federal several times to explained to us as to how we can get a loan with their bank. At least two white loan officers were very rude, appears to be discriminating against my XXXX American family. 

For the past five years we have paid our rent on time, while building our credit history due to systematic XXXX  here in Virginia. According to reports Virginia has several Mortgage programs through USDA and VHDA for first time home buyer and low-income families. VHDA share a list of lenders who supports their programs. We have contacted several, they pull our credit and never follow us with us again as the status of our loans. 

I was told by one loan officer, due to the bidding wars, they dont waste time on low income or first-time home buyers, they focus on now who has the most money to purchase homes in Virginia. Also, no Lenders or loan officers in Virginia looked at our rental history. I am sure you know XXXX American continues to be disenfranchised and discriminated against here in Virginia. Also, I noticed while calling several lenders in the Virginia area, theres no XXXX American loan officers or lenders to help XXXX Americans on the pathway to home ownership. 
We truly appreciate your help get my family approved for a home loan with down payment help and closing costs as stated in Virginia first time home buyers and low income programs. 

Sincerely,

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