Consumer complaint received 2017-05-31
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
DISCRIMINATION Plaintiff : Company : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX. XXXX XXXX, Al XXXX Phone : ( XXXX ) XXXX Defendant : Navy Federal Credit Union General Correspondence XXXX XXXX XXXX, XXXX, VA XXXX My name is XXXX XXXX the claims stated are true and accurate. ( 1 ) Customer : XXXX XXXX received a Bill of Sale from XXXX XXXX XXXX XXXX Bill of Sale attached ( 2 ) XXXX XXXX presented the Bill of Sale to Navy Federal Credit Union. XXXX XXXX was given a draft and instructed to presented to the company she was purchasing the vehicle from. Draft attached with Pre-approval Draft Endorsement Instruction Sheet ( 3 ) XXXX XXXX presented the check to XXXX XXXX in which a deposit was made into XXXX XXXX XXXX XXXX  account with XXXX XXXX XX/XX/XXXX. ( 4 ) Around the hour of XXXX -XXXX XX/XX/XXXX I XXXX XXXX received a call from Navy FCU.  Agent XXXX. He requests for me XXXX XXXX to forward him a copy of the Business License. I  honored his request with the State, City Business License and Designated Agent Certificated. Copies Attached ( 5 ) After producing the business license. Received and email from Navy FCU : Subject ( Consumer loan letter of conditional approval ). Email copy attached I I contact Navy FCU with questions about the letter of condition. I spoke with Navy FCU agent XXXX who stated that he was with the Security Dept. for Navy FCU. He requests that XXXX XXXX XXXX XXXX  produce copy of the front and back of the title. Copy of title attached I took the copies of the front and back of title to : Navy FCU. XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone XXXX. Met with Assit. Mgr. Branch office-MLO XXXX XXXX. Presented copies of the front and back of the title. After reviewing her monitor she stated that she could only forward the documents and she could not offer me any assistance. I would have to take this up with security. Did not provide me with a direct number or a contact person. ( 6 ) I XXXX XXXX return home. Contacted the XXXX number. I was directed to XXXX. He spoke with his supervisor. XXXX message was they had received the copy of the front and back of the title but that was not sufficient. The supervisor request. The only way Navy would fund this transaction is for the company name to be on the front of the title. XXXX XXXX received a statement from Navy FCU with instruction on what documents she would need from XXXX XXXX XXXX XXXX before they would release the funds. Attached Form from Navy FCU ( 7 ) My response. As a Designated agent for XXXX XXXX XXXX XXXX with over 30ty years experience, I have never in counted behavior such as this. Procedures for transferring of title or self-explanatory for people in the business of auto sales and finance companies. I request a copy of Navy FCU policys when it comes to title for the institution. As of this day have not received them. ( 8 ) XXXX XXXX faith in the company stood fast. I XXXX XXXX contact XXXX XXXX. Spoke with a gentleman by the name of XXXX XXXX. Request his assistance. I negotiated a deal for his company to sale a vehicle to XXXX XXXX. He agreed. I assisted XXXX XXXX to XXXX XXXX location in which I participated in the negotiations. ( 9 ) XXXX XXXX fax Navy FCU a Bill of Sale for XXXX XXXX to Navy FCU. Navy FCU was issued a Draft for the vehicle. XXXX XXXX and I drove away with the vehicle. In a casual conversation with XXXX. They have friends that work with Navy FCU. Moral of the story. Policies are designed to be applied when a company does not want to do business with a License Business with no blemishes. Attached you will find XXXX XXXX XXXX XXXX Sales package with front and back of title and Sales package of XXXX XXXX. Please examine the front of the title. XXXX XXXX XXXX XXXX  Title Registered Owner : XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- - XXXX XXXX Title Registered Owner : XXXX XXXX XXXX XXXX . LIEN HOLDER FOR BOTH TITLES : XXXX XXXX XXXX XXXX XXXX Title is not in the name of the dealership as well as XXXX XXXX did not sign the back of the title of vehicle purchase. She sign an open title of transfer for a notary to complete that was not present. Copy of form attached. Summary : Navy FCU ( 1 ) blat tiny discriminate against XXXX XXXX XXXX XXXX. ( 2 ) Damage the credibility of the company ( 3 ) Cause undue stress ( 4 ) Tarnish the company name ( 5 ) Loss of business XXXX XXXX XXXX XXXX has experience : prejudice, bias, bigotry,  intolerance, narrow-mindedness, unfairness, inequity, favoritism, one-sidelines, partisanship

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