Consumer complaint received 2015-11-19
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I refuse to go back and forth, he said she said. This is my third complaint and I would like some issues addressed to determine if any CFPB rules were broken. I have attached two documents. One is a statement from NFCU and the only document I have received as to my denial of a VA loan and it 's in the form of an email. The other is a statement from XXXX XXXX from the VA disputing the statement from NFCU. Only XXXX is the truth. This issues that need to be addressed are from the response of NFCU in complaint # XXXX and are as follows1 : First of all I would like to know who I am addressing. There was no name attached to the response from complaint # XXXX or complaint # XXXX or complaint # XXXX or complaint # XXXX and if you are qualified to make decisions on my file and why did the loan officer that was handling my loan get fired. 
2 : As a requirment to report all loans to regulators, what reason did you use for my denial of the VA loan. Was it the same XXXX you gave me, that I did n't pay my last month 's rent. I do n't believe that is XXXX of the data points outlined in Regulation XXXX Especially after being pre-approved. 
3 : The high cost mortgage I was offered. Does it comply with regulations as set forth in Regulation XXXX after I locked in a rate of 4 % just 30 days prior. Why the high cost mortgage? according to my credit report I had no derogatory remarks, no missed payments on anything and my scores were XXXX and XXXX. I attached a copy of my credit report in complaint # XXXX : You stated that NFCU undertook extensive efforts to assist me, but a VA loan was not an option because of unsatisfactory verification of rent and a court judgement. Well I too took extensive efforts to prove that both landlords lied. Without going into lengthy explanations, I did send XXXX XXXX proof along with a satisfaction of lien from the court. I attached a copy of that in complaint # XXXX. So that was not an option to turn me down. Than you stated that NFCU contacted the VA and they confirmed that the loan was not eligible for a guarantee. Please provide proof of that contact. I do n't think you did. 
5 : You said you attempted to offer possible assistance, but the number you gave in complaint # XXXX is to a telemarketing company. I did call it for possible assistance. 
6 : I am going to have to include your the title company acting as your agent agent. XXXX XXXX. At closing, they failed to disclose anything to me. We just went through page by page with just a sign here. I did n't even know I had mortgage insurance. I am sure they followed all the regulations, but why was my wife added to the note when I distinctly said not too. She receives all correspondence from NFCU including late notices. My question is, did you report her as a co-applicant and if so, did you report her ethnicity as XXXX. 
If you can please address these issues I have I would appreciate it. I am sure the CFPB would be interested also.

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