Consumer complaint received 2025-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In the beginning of XX/XX/year> at my bank that I have been banking with for many years now, and I have NOT been over 30 days late with NONE of my creditors for well over XXXX years now. Plus, all of my credit scores from XX/XX/year>, to this current day are over XXXX points and XXXX points. 

WelI, what happened is that I had applied for a second personal loan, a refinance of my existing personal loan with cash back, a counter-offer amount for either loan amount, a credit card increase request, and a vehicle loan. I had first applied online for a personal loan and was DENIED INSTANTLY. I really couldn't believe that I got denied online and thought that it was a computer glitch. So, the next day I went inside the branch to find out what happened and thought that the XXXX could fix it and proceed with my loan. 

So, the loan XXXX told me that she had to do another application and pull another credit report for the loan and that also had got Denied. Then I requested a counter-offer loan amount and a refinance to my existing loan and the clerk took another separate application and pulled another credit report for each again while in the branch that also got - DENIED! The XXXX came over and confirmed the news but couldn't explain why. The XXXX and the clerk said that they could only do what the computer told them to do and that I should get a letter in the mail explaining why. 

I never got the Adversary Letter in the mail from this bank explaining why. They denied my vehicle loan application too during this time after I had applied for that online! I was approved in the recent past for a vehicle loan by this bank every time that I had applied, but I never purchased the vehicles because of price gouging! The dealership wanted me to pay a huge difference or down payment, and the bank wouldn't finance the difference either! So, now all of a sudden for the month of XX/XX/year> this same bank doesn't want to finance me a vehicle for no apparent reason and after taking another credit application and pulling my credit report again. 

I feel and strongly believe that I am being DISCRIMINATED against from this bank because of my race, gender, and age. I totally can't believe that I was and still is DENIED for all of these loan products that I need to move forward with my personal life and for my business needs. 
This great denial from this lender has caused me great economic hardship, financial distress, being late on all of my current bills, my health insurance to collapse, my business expansion needs to fall and make my credit scores drop low! This same bank has now charged me late fees with interest for being late on my debts already too! 

I reached out to this bank underwriter and customer service teams for answers through the online portal email link for help, but in return they told me that I should receive an Adversary Letter in the mail and that I can RECONSIDER the Loan Applications then. However, to this day I still have not received an adversary letter from this lender that caused me such grief and financial undue hardship after they denied all of my loans! 

So that is why I'm filing this complaint now and reporting this Discrimination in Lending Acts. CFPB please help me from crumbling down and being without proper financial help and consumer support for my Civil Rights. 

Thanks.

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