Consumer complaint received 2022-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Dear CFPB, I am replying to Navy Federal with another complaint and accusation of unlawful discrimination of my rights and is slated at breaking the law toward myself as a individual with mental & physical XXXX and THE EQUAL CREDIT OPPORTUNITY ACT. 
This act enforces that it is illegal for a creditor, such as a lender or mortgage broker to discriminate against a human being when youre applying for a mortgage because of ( Handicap Disability ). 

During this home buying process it has taken on toll on my health causing major trauma. At this point in my interest of the Home Buying process and trying to obtain a mortgage loan through Navy Federal who seems to not acknowledge surprisingly to those of disabilities, nor do they respect of honor the American Disability Act seemingly knowing that there whole Corporation was built by those who have served this country. As they parade to advertise there slogan with their Mission Statement : Members are the Mission is an understatement and slap in the face. 

Navy Federal has simply not honored my rights & position as being XXXX and struggle with a cognitive impairment that enables my unlimited abilities to retain l, process, and comprehend within receiving information, and staying on task with time management. They have not tried to help assist me in anyway and have not guided me with the medical request of using my reasonable accommodations that were professionally written and set in place by law under the Americans Disability Act ( ADA ). 

Therefore, I am submitting in response to Navys Federal statement that they had me fill out a new application that is suppose to be good according to the Home Buying Disclosures and from the representative for Navy Federal loan officer who I have been communicating with by a way of email as I requested, that I have XXXX days from the pre- approved letter before having to submit another credit pull ; XXXX  days to Find a home to purchase ; and XXXX days to close in which Navy Federal has pulled my credit already XXXX times and they just charged me as well within their Closing Cost worksheet for Purchase which was the last step according to the XXXX XXXX XXXX in which I have mentioned that was confusing for me because of all the applications showing in the portal that they had me to apply for, I have also not been provided with the new loan application number for the most recent pre-approval Closing Cost Purchase Worksheet. ( This is another tactic to confuse me. ) I received an email stating that all I needed was to submit a Purchase Agreement and address of XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, Tx XXXX and I responded with more than XXXX of the addresses I was interested in as well as a ( XXXX XXXX Tax Rate Sheet of where the homes are located and a Map Description and Photos of the homes property and Lot ) requested from the Loan officer XXXX for Closing Cost Loan Write up with the true cost of the loan. They have failed to do so but instead sent me Closing Cost Worksheet for Purchase with estimations that include a Credit Report Fee of {$20.00} dollars. These Credit pulls has affected my credit score tremendously but was suppose to according to the FTC consumer.ftc.gov & Attorney General of the State of Texas Consumer Protection Division. When shopping for a home from lenders a hard inquiry should only report and remove points only once as a negative impact while shopping for a home with home buying guidelines. I have disputed the negative events to the Credit Bureaus and yet they have not removed anything. 

They have also sent a letter to me requesting that I pay for an appraisal when it was disclosed that Navy Federal would cover appraisal cost but I could hire my own Apprasier XXXX party at my own cost.

Navy Federal has also used a Credit Report source of information going back XXXX years of credit history in their decision vs the requirements of only going back only XXXX months. 

Navy Federal has also harassed me about doing another Credit another and requesting me to pay another Credit Application Fee of {$20.00}. ( SEE ATTACHMENTS ) I also went into a Navy Federal Credit Union Branch by the name of XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  Tx XXXX who has written down step by step of the percentages % of fees within the steps for my own mental notes and Loan Officer XXXX has also emailed me steps based upon my request, they are very different. ( SEE Attachments ) No where in this process did they request a Permission to Omit until after I filed a complaint with CFPB. 

The XXXX XXXX FOR ONLINE APPLICATION SUBMITTING is a conflict of interest with what I receive within my email as well as conflicting do you all the application and documents being repeatedly requested resulted in much confusion cognitively and requested several times to communicate by a way of emailing to upload and submit documents and for my reasonable accommodations to be taking into consideration. But instead I have been taking advantage off. 

I have diligently being doing what they ask and also asking for assistance regarding my XXXX and I keep being told that they dont have those services or either receding no response and has cause me a great deal of anxiety and being hospitalized as a result. 

Therefore, I am asking for further assistance from Consumer Financial Protection Bureau a U.S. government again y that make sure banks, lenders, and other financial companies treat you fairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief