Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, an application was submitted to Navy Federal Credit Union for a XXXX XXXX XXXX XXXX credit card for the maximum amount. Unfortunately, that application was denied. Following that denial, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a series of certified mailings were sent to Navy Federal 's CFO XXXX XXXX at the headquarters address. These mailings included a durable power of attorney, cover letters, and letters of instructions as part of the application. 
Despite these efforts, I did not receive any response or acknowledgment. 
XX/XX/XXXX, I resubmitted through their online website portal the durable power of attorney and a Letter of Notice letting them know about the previous documents that were sent via certified mail. 
XX/XX/XXXX Navy Federal responded that no action was taken on the document since it was a duplicate of a previously denied submission. 
On XX/XX/XXXX all previous documents were resubmitted including an Affidavit of Truth. 
XX/XX/XXXX I sent the filed UCC-1 Financing Statement. 
XX/XX/XXXX Navy Federal responded that they were unable to locate any POA on file after it was submitted several times on different occasions. 
XX/XX/XXXX Navy Federal responded that because the application was declined more than 30 days ago, under their policies, it is not eligible for reconsideration. They suggested to submit a new application. 
XX/XX/XXXX the Durable POA was sent again along with an Urgent Notice Letter and all previous submitted documents. A Formal Clarification of Intent and UCC Lawful Basis Letter was also sent, requesting that the original credit card application be recognized as collateral under UCC rules. It pointed out that this is supported by UCC Articles 3 and 9 and that a UCC-1 Financial Statement has been filed, clarifying that this is the intended approach. It was also stated clearly that no new application will be submitted ; as the original application is still active on the credit report, and attempts have been made for some time to communicate this intent. 
Also on XX/XX/XXXX a Formal Demand for Recognition Letter was addressed to CFO XXXX XXXX, insisting that they acknowledge the original credit card application from XX/XX/XXXX as collateral under UCC rules. 
XX/XX/XXXX and XXXX Navy Federal responded that because the application was declined more than 30 days ago, under their policies, it is not eligible for reconsideration. 
XX/XX/XXXX Navy Federal also responded that they had received the Power of Attorney on XX/XX/XXXX, after stating on XX/XX/XXXX that they had No POA on file. They also stated that the POA was not considered valid by them and therefore declined it. I respectfully requested that Navy Federal provide a detailed explanation of why they consider the POA invalid. Navy Federal never responded with an explanation. 
XX/XX/XXXX a Request For Reconsideration and Resolution of Application Discrepancy Letter was sent addressed to CFO XXXX XXXX and the Navy Federal Team, requesting again a reconsideration of the originally submitted application as it was still reflecting on the credit report. It was also clearly explained that the structure of the Durable POA is valid and compliant with Florida Statutes Chapter 709, which allows for flexible structuring of authority as long as the principal and agent are clearly identified. 
XX/XX/XXXX Navy Federal responded back stating that a comprehensive review of the POA had been completed, and that it does not meet the requirements to be considered valid according to them. Navy Federal mentioned that this matter was closed on their end.

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