Consumer complaint received 2023-01-23
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear CFPB & FCRA, I am submitting an complaint in regards to my previous complaint # XXXX with Navy Federal Credit Union XXXX XXXX Mortgage Solutions as it relates to complying and resolving my problem with applying for a Conventional Home Mortgage, the issues still remain. 

Navy Federal has assigned me to several loan and resolution officers forcing me to have serval different conversations of instructions, XXXX XXXXXXXX XXXX # XXXX ; XXXX XXXX XXXX  # XXXX after I clear presented in several written statements my disadvantages and need to use and apply my reasonable accommodations moving forward with my loan process, since the last submitted complaint I have been sent emails from different people as well as direct back to loan officer XXXX XXXX XXXX # XXXX for any issues regarding my loan. 
I am being giving different instructions by each and have become overwhelmed with XXXX  as I am a XXXX patient and have been XXXX so to the high amount of XXXX & stress with the purchasing of a home as a first time home buyer. 
Navy Federal Credit Union has brought great confusion to me triggering my XXXX XXXX XXXX XXXX XXXX 

They have also not processed other resolution requests to dispute the negative personal and inaccurate information reporting on my credit due to their lack of evidence and investigation to help resolve these issues, not to mention when I started this home buying process back in XXXX of 2022 my credit scores were excellent and have been sabotaged & deceptive throughout this whole process. 

According to the Fair Housing Act, Equal Credit Opportunity Act, and the CFPB and FCRA consumer protection it is illegal to discriminate against anyone seeking to obtain a mortgage, home equity, loan to build, repair, or improve a home based on, because of race or XXXX, religion, national origin, XXXX, marital status, age, XXXX XXXX XXXXXXXX ) and received income from any public assistance program and familial status. 
It is also against the law to discriminate and deny the rights of individuals with disadvantages under the XXXX XXXX XXXX the right to use any reasonable accommodations in m aiding them with work, school and any explanation orientation regarding discussion of patient information to reinforce any important topics. 
Because of the blind communication between several loan officers and Navy Federal agents, therefore I am demanding a resolution to work with a well experienced agent that is knowledgeable about the home buying process for first time home buyers for the duration of this loan at the Navy Federal Credit Union Branch in my local area at XXXX XXXX, Unit XXXX, The XXXX, Tx XXXX one on one particularly a woman who I can visually identify with and can walk with me in person step by step with consistency with great clear communication skills. 
The do not trust this previous agents as they have misguided me and disregarded my having disadvantages position and need. 
Please submit this request to resolve this resolution immediately. 

Respectfully submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief