Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : XXXX XXXX Navy Federal Credit Union for XXXX, Unfair, and Unlawful Lending and Account Practices To Whom It May Concern, I am filing a formal complaint against Navy Federal Credit Union ( NFCU ) for engaging in unfair, deceptive, and discriminatory practices that have caused me financial and emotional harm. XXXX XXXX actions appear to violate several federal consumer protection laws, including the Equal Credit Opportunity Act ( ECOA Regulation XXXX ), the Fair Credit Reporting Act ( FCRA ), and the Electronic Fund Transfer Act ( XXXX ). 

XXXX. Unjustified XXXX of Credit Card Account XXXX XXXX abruptly and without cause closed my {$20000.00} credit card account, despite my strong credit history and responsible account management. I received no advance notice or opportunity to address any alleged issue prior to the closure. This lack of transparency and due process is inconsistent with fair credit practices and consumer rights protected under the FCRA. 

XXXX. Unauthorized Credit Inquiries and Withdrawals Following the account closure, XXXX XXXX conducted credit inquiries without my consent and withdrew funds from my personal account to pay a balance associated with the closed card all without my authorization. These actions constitute unauthorized transactions and violate the XXXX XXXX Transfer Act ( 15 U.S.C. 1693 et seq. ), which protects consumers from unauthorized electronic fund transfers. 

XXXX. Discriminatory Lending Practices During the XXXX pandemic, I applied for a home loan with XXXX XXXX XXXX Despite maintaining a XXXX XXXX near XXXX and having no debt-to-income ratio concerns, my application was denied without clear justification. At the same time, XXXX XXXX had previously approved me for a {$20000.00} credit card limit, indicating that my financial profile was sufficient for substantial credit. 

I strongly believe that my home loan denial was influenced by XXXX discrimination, as XXXX XXXX has a documented history of disproportionately denying credit to XXXX consumers. Such conduct directly violates the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), which prohibits discrimination based on race in any aspect of a credit transaction. 

XXXX. Lack of Transparency and Refusal to Address Complaints When I attempted to dispute XXXX XXXX actions and request clarification from their underwriting department, they refused to take customer calls or provide explanations regarding their decisions. This deliberate avoidance prevents customers from exercising their rights to fair review and appeal and further supports the pattern of for-profit tacticstargeting and disadvantaging XXXX members. 

XXXX. Inaccurate and Unverified XXXX XXXX I have identified inaccurate information on my credit report that may have contributed to XXXX XXXX adverse decisions. Instead of allowing me the opportunity to dispute and correct these inaccuracies, XXXX XXXX proceeded with actions that negatively impacted my credit. This constitutes a violation of the FCRA ( 15 U.S.C. 1681s-2 ), which requires financial institutions to maintain accuracy and allow consumers to dispute erroneous data. 

Requested Actions I respectfully request that the Consumer Financial Protection Bureau : Investigate XXXX XXXX XXXX XXXX lending and credit practices for potential violations of XXXX, FCRA, and XXXX. 

Require XXXX XXXX to provide documentation and justification for the account closure and loan denial. 

Compel XXXX XXXX to reverse any unauthorized withdrawals and remove related negative credit reporting. 

Address discriminatory and for-profit practices that disproportionately impact XXXX customers. 

Enforce corrective measures to ensure transparency and fair treatment of all members. 

Conclusion XXXX XXXX actions demonstrate a clear pattern of discriminatory, retaliatory, and financially harmful practicesdesigned to benefit the institution at the expense of XXXX  XXXX customers. I urge the CFPB to conduct a thorough investigation and hold XXXX XXXX accountable under applicable consumer protection laws. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

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