Consumer complaint received 2024-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On different days and years of : XXXX, XXXX, XXXX, and XXXX of XXXX, and on XXXX, XXXX, XXXX, XXXX and XXXX of XXXX, I had applied for a personal loan, a line of credit, a credit card increase, a refinance of my personal loan, and a commercial vehicle loan with XXXX XXXX, and I got DENIED for credit every time. 

My credit scores were up high enough to qualify for all of their loan products, but XXXX XXXX kept right on denying my loans. I had requested a loan for {$XXXX} and got denied for that. I had requested a {$XXXX} loan and I got denied. I had requested {$XXXX} and got denied. I had requested a {$XXXX} loan and got denied for that. I even requested a counter- offer for the loan amounts, and I still got denied. I applied for a refinance of my current personal loan, and I got denied for that. 

All along I have been paying all of my bills on time with XXXX XXXX, and everybody to remain in good standing on ALL of my credit reports. I just feel discriminated against, lied to, scammed, frustrated, and harassed by XXXX XXXX. 

I had applied for several commercial vehicle loans with XXXX XXXX and with several Commercial Dealerships just to constantly get turned down and lose the vehicle sale. I was harassed on the telephone and on my email account by the loan officer for me to make hasty decisions on the loan terms, the insurance policy, the down payment for the commercial vehicle, or paying the difference in price for the vehicle, and on the delivery of the commercial vehicle. 

The loan officer made me feel as if I wasn't worthy of purchasing the commercial vehicle for my small business or didn't deserve it. He tried to make me pay a higher price for the vehicle loan with a REQUIRED shorter term. 

I was made to wait for days and weeks for an approval on my loan OR no approval for a loan. I was also made to wait for my commercial vehicle loan officer to come back in from a long family vacation just to finish processing my paperwork for an approval that didn't last very long, and after he XXXX me the check to give to the dealership in a hasty rude manner. I never purchased that commercial vehicle either or got to see it in person. It turned out as No Deal. 

With everything that the loan officers have put me through at XXXX XXXX just to obtain financing, a credit approval, and a much-needed XXXX XXXX, I got nothing in the end but the constant run-a-round, turn down, and an emotional distress body ache. I actually had got sick from all of XXXX XXXX turmoil since last year of XXXX up to now. 

It's so hard and heartbreaking for me to even think back over all of this stuff just to explain to CFPB in this format. Please help me in every way possible CFPB. I still need financing, a loan up to the maximum amounts, and a commercial cargo van that I never got since the first day I applied.

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