Consumer complaint received 2020-04-09
Company: NAVY FEDERAL CREDIT UNION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
1. On XX/XX/XXXX i applied for a loan for XXXX dollars at navy federal credit union and offered a truck i owned they claimed worth XXXX dollars as collateral. 
2. The loan was denied and nfcu loan committe claimed because i had cost them money when i had not cost them any money. 
3. They were refering to my enforcing rights regarding misconduct by one of n.f.c.u. 's agents who violated a contractual mortgage agreement years ago, wherein it was a takeout mortgage from v.a. and they agreed to payoff my credit card and other loan i used to build on this house. days before the mortage was suppose to close they failed to close and refuse to state the detailed facts of their wrong doing causing violation of the agreement. I stopped paying on the credit card thereafter after they refused to correct the problem they caused through their agent cited in the mortgage agreement and credit card payoff at 3.25 percent aprox. after they fabricated my credit no good because credit card was almost maxed due to their wrong doing and refused the next mortgage loan they told me to refile because of the screwup by them ( a scam ). 
4. when i attempted to sue nfcu to make a record they refused to and a nfcu employee was paid off to comit perjury regarding her being served by a process server XXXX XXXX who i saw serve the branch manager of nfcu XXXX ill. This was done with a judge was was apparently paid off too and to date conceals audio recordings of me with this manager admiting she was served and more. this is criminal conduct to conceal facts herein related and directed by nfcu through attorneys they participate with and this perjury was done to thwart a required default judgment against nfcu because they refused to answer after served by XXXX XXXX on the branch manager in front of me in XXXX. 
5. on XXXX XXXX I filed an objection and claimed the loan committe did make false statement as to reason for denial as i did not cost them anymoney as described above regarding the mortgage loan connected to the credit card they closed after refusing to correct there agents own wrong doing. 
6. further it is undeniable nfcu was notified of prior to the mortgage agreement and after admissions by 3 credit bureaus of faking 25 counts of bad credit for years prior ; this notice made nfcu and bureaus liable to me for the excessive interest charged me by nfcu based on the fake credit reports by the 3 bureau 's. 
7. recently 2 of these bureau 's offered me XXXX dollars or there abouts to settle and they would correct the records but they did not correct the credit record other than there prior origingal admitssions to the 25 that i never had an agreement to pay anything the credit bureaus fabricated since XXXX aproximately and after notices same fake. 
8. nfcu is complicit in the over charging interest on loans including the credit card and others and owes me for the same as their agents the bureau 's did not pay, this amounts to thousands of dollars too owed me nfcu is in pertinent part liable for. 
9. in the past nfcu through its attorney that they refused me the name of refused to correct my name over a year until the v.a. said they had to or they could not receive the direct deposit to me because my name was XXXX XXXX XXXX the name in which they sent the money to them. 
this does not exhaust my knowledge and nfcu and attorney agents conceal the detailed facts surounding the retaliatory denial of the collaterally backed loan applied for herein as revenge against me its member.

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