Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Formal Complaint To : Consumer Financial Protection Bureau Re : Complaint Against BECU ( Boeing Employees ' Credit Union ) Complainant : XXXX XXXX XXXX : XX/XX/XXXX Summary of Complaint I am filing this complaint against BECU ( Boeing Employees ' Credit Union ) for what I believe to be discriminatory treatment, excessive and unjustified documentation demands, failure to communicate, and the improper withholding of my funds and a promised promotional bonus. I believe this treatment is based on my name and my financial transactions with an Islamic nonprofit institution, in violation of the Equal Credit Opportunity Act ( ECOA ), the Fair Housing Act, and applicable consumer protection regulations. My Financial Profile To provide context for why these demands are unreasonable and disproportionate, I want to clearly state my financial standing : Credit Score : Approximately XXXX Total Assets : Approximately {>= $1,000,000} Available Credit ( credit cards ) : Approximately {$200000.00} No history of fraud, delinquency, or financial irregularities I am a financially responsible individual with a long, verifiable credit and financial history. The documentation demands placed on me by BECU are completely inconsistent with my profile and have never been requested of me by any other financial institution in my life. Sequence of Events I opened an account with BECU and, as part of my normal financial activity, made donations to an Islamic nonprofit institute. Shortly after, BECU initiated an identity and verification process unlike anything I have ever experienced. The following documents were requested of me : Physical Social Security card ( not just the number the actual card ) A selfie photograph ( self-verification image ) Utility bill W-2 form Federal tax returns Additional verification documents Despite my best efforts, I submitted every document I was able to provide. I have confirmation that BECU received all submitted documents. However, for over three weeks, I have received no response, no communication, and no updates from BECU via email or any other channel. Because BECU required my physical Social Security card which I did not have readily available I was unable to complete their process and was forced to find an alternative bank. As a result, I lost the opportunity to take advantage of BECU 's 0 % balance transfer offer and was instead forced to pay {$450.00} in balance transfer fees at another institution. I am also being denied BECU 's advertised {$500.00} new account bonus, which I believe I have met the qualifications for. Basis for Discrimination Claim It is my strong belief that this disproportionate documentation demand is not a standard identity verification process, but rather targeted discrimination based on : My name, which identifies me as a XXXX individual My financial transactions specifically, donations to an XXXX XXXXXXXX XXXX No reasonable explanation exists for why a person with a XXXX credit score, nearly {>= $1,000,000} in assets, and {$200000.00} in available credit would be subjected to demands for physical Social Security cards, W-2s, and tax returns just to maintain a basic deposit account. These demands go far beyond what is required by KYC ( Know Your Customer ) or Bank Secrecy Act regulations. This pattern of conduct is consistent with religious and national origin discrimination, which is prohibited under : The Equal Credit Opportunity Act ( ECOA ) prohibits discrimination based on religion and national origin in any credit or financial transaction The Civil Rights Act of XXXX ( Title II ) prohibits discrimination in services offered to the public Washington State Consumer Protection Act ( RCW 19.86 ) prohibits unfair or deceptive acts and practices in trade or commerce Financial Harm Caused Item Amount Balance transfer fees paid at alternative bank {$450.00} BECU {$500.00} promotional bonus being withheld {$500.00} Total Direct Financial Harm {$950.00} Additionally, I have suffered loss of time, stress, and the inability to access my account and funds for over three weeks. What I Am Requesting I respectfully request that the CFPB : Investigate BECU for potential religious and national origin discrimination in their identity verification and account management practices Compel BECU to respond to my submitted documents and communications within 5 business days Compel BECU to release my funds and any applicable promotional bonus ( {$500.00} ) immediately Review BECU 's policies surrounding documentation requirements to determine whether they are being applied disproportionately to customers of XXXX XXXX XXXX XXXX background Assess whether BECU 's practices violate ECOA, the Fair Housing Act, or applicable state consumer protection laws Require BECU to reimburse the {$450.00} in balance transfer fees I incurred as a direct result of their actions Contact and Supporting Documentation I am prepared to provide the following upon request : Copies of all documents submitted to BECU Email records confirming document receipt by BECU Evidence of the 3+ weeks of non-response Documentation of the {$450.00} balance transfer fee paid Please contact me directly through the CFPB complaint portal for further information or follow-up. Submitted in good faith by a member of the public seeking fair and equal treatment under the law.

Company response to consumer: Closed with explanation