Consumer complaint received 2025-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Subject : Complaint Against Navy Federal Credit Union Mortgage Loan Discrimination and Adverse Action Violations Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am filing a formal complaint against Navy Federal Credit Union regarding discriminatory practices and violations of the Equal Credit Opportunity Act ( ECOA ), specifically under 15 U.S.C. 1691 ( a ) and Regulation B ( 12 CFR Part 1002 ), related to my attempts to obtain a mortgage loan while being a person with a XXXX and a recipient of XXXX income XXXX 

On XX/XX/XXXX, I submitted a mortgage application ( # XXXX ) with my son, XXXX XXXX. Shortly thereafter, I was verbally informed that our application was denied due to my son 's poor credit. However, the formal denial notice was not available until XX/XX/XXXX on Navy Federals website. No detailed written explanation was initially provided as required under Regulation B. 

Following their suggestion, I re-applied alone under mortgage application # XXXX on XX/XX/XXXX. Despite submitting all requested documentsincluding my XXXX income tax return, XXXX, and payroll documentationI did not receive any adverse action notice until XX/XX/XXXX, when I was verbally informed by Loan Officer XXXX XXXX that my application was denied. When I asked to speak directly with the underwriting department to understand the basis for the denial, I was informed that the underwriters " do not speak with anyone, '' effectively denying me the right to obtain specific reasons for the denial as required under 15 U.S.C. 1691 ( d ) ( 2 ) and 12 CFR 1002.9 ( a ) ( 2 ).

This process raises serious concerns regarding discriminatory practices under the Americans with XXXX XXXX ( XXXX ), and violation of my rights to fair lending practices. Given that : My credit score was approximately XXXX, My credit utilization was low, I provided all requested financial and tax documents promptly, I am a XXXX individual who relies on XXXX income XXXX I firmly believe that my mortgage application was mishandled or denied in violation of federal consumer protection laws. 

Furthermore, XXXX XXXX sent me a " Loan Option '' form instead of a complete adverse action notice, leaving me further confused about the real grounds for denial. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly to ensure that Navy Federal Credit Union is held accountable for compliance with : 15 U.S.C. 1691 ( a ) ( prohibiting discrimination based on income from public assistance or disability ) 15 U.S.C. 1691 ( d ) ( 2 ) ( requiring specific reasons for credit denial ) 12 CFR Part 1002 ( Regulation B ) ( governing notification requirements and prohibiting unlawful discrimination ) Americans with Disabilities Act ( 42 U.S.C. 12101 et seq. ) ( protecting individuals with disabilities from discrimination in all areas of public life, including banking and lending ) Attached are supporting documents, including : Mortgage applications ( # XXXX and # XXXX ) Income documentation ( XXXX, XXXX tax return, payroll statements ) Communication records with XXXX XXXX XXXX XXXX XXXX Loan Option notice I look forward to your immediate attention to this serious matter and request that you provide updates regarding your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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