Consumer complaint received 2023-11-04 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: NJ

Complaint narrative:
On XXXX XXXX XXXX I applied for a Navy Federal Flagship Rewards credit card with the value of {$80000.00} using my Social Security Number / Card, which is referred to as a Credit Card by congress under 15 USC 1602 ( L ) which states : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.. My application for open-ended credit was denied which is a violation of 15 U.S.C. 1691 : Scope Of Prohibition which highlights the following : ( a ) Activities constituting discrimination : It shall be unlawful for ANY creditor to discriminate against ANY applicant, with respect to ANY aspect of a credit transaction this includes but not limited the following denial reasons : -Applicants has no recent information about revolving accounts on his/her report -Applicants credit history -Applicants income & its origin -Applicants Credit Score Denying me access to my Open-ended credit is an act of discrimination. According to 12 U.S.C. 1431 : Powers and duties of banks ; Each Federal Home Loan Bank shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations which means banks can not lend anything to a consumer who is a natural person and the original creditor because theyre operating on bankruptcy under house XXXXoint resolution 192 abortration of gold clause. 

According to Public National Credit System & House Joint Resolution 192 debt is LEGAL TENDER money. Which means my income regardless of amount or origin can not be discriminated against because all debt is legal tender money and is prepaid. Tender means the following : Tender is to unconditionally offer money or performance to meet an obligation. The term most commonly arises in the context of the contractual sale of goods. 

As a secured party creditor who is a natural living person under the UCC file number ( # ) XXXX that has initiated a consumer transaction with an application According to UCC 3-103 : " Consumer transaction '' means a transaction in which an individual incurs an obligation primarily for personal, family, or household purposes. My application makes me the drawer : " Drawer means a person who signs or is identified in a draft as a person ordering payment. Which makes Navy Federal Credit Union the drawee : " Drawee means a person ordered in a draft to make payment. 

In Good Faith, I hereby kindly instruct Navy Federal Credit Unions Lending Team to approve my Consumer Transaction/Application after a reevaluation. Accordinging to the Bill Of Exchange Act it states A bill of exchange, a short-term negotiable instrument, is a signed, unconditional, written order binding one party to pay a fixed sum of money to another party on demand or at a predetermined date. A bill of exchange is sometimes called draft or draught, but draft usually applies to domestic transactions only. The term bill of exchange may also be applied broadly to other instruments of foreign exchange. I Also Instruct Navy Federal Credit Union to mail my Navy Federal Flagships Reward Credit Card to the address listed on the application and apply {$80000.00} to the credit card each and every billing cycle for set off. Set Off Means : The right of someone who owes money to subtract from the debt any money owed in the other direction. This Means Im not obligated to pay any of the debt owed and have the right to accept the value and return it to Navy Federal Credit Union for settlement of the bill. 

XXXX XXXX XXXX XXXX, Principal Natural Person, In Propria Persona, Suit Juris All rights Reserved Without Prejudice U.C.C. 1-308/ 1-103

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