Consumer complaint received 2024-06-21 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: OH

Complaint narrative:
I hope this message finds you well and you've had an enjoyable weekend thus far. I am writing to formally request a reconsideration of my recent credit card application for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I believe was denied based on a potential error. Possibly based on the time I applied in the morning, after talking to employees, or an inaccurate XXXX score. I have been an enthusiastic member of the Navy Federal Credit Union family since XX/XX/XXXX, shortly after my son 's birthday, and I have valued the exceptional service and support provided throughout nearly three years. Navy Federal has been a part of many significant moments in my life, and I look forward to continuing this relationship for many more years to come. 

I am unsure of the specific reason for the denial, but I would like to provide additional information that may not have been fully considered. The most recent account opened on my consumer credit report is a Navy Federal Loan ( Account No. XXXX ) for {$30000.00}. This loan was opened a few days after my birthday on XX/XX/XXXX, and I have diligently repaid it, leaving a remaining balance of just {$95.00} and a current utilization rate of 1 %, according to XXXX. 

Additionally, shortly after my birthday, my XXXX XXXX XXXX XXXX ( Account No. XXXX ) was opened on XX/XX/XXXX. This card has a limit above {$10000.00}, with a current utilization rate of 1 % according to XXXX. I have never missed a payment. My responsible management of this card reflects my commitment to maintaining a positive credit relationship with Navy Federal. 

My overall credit utilization across all cards is less than 3 %, according to both XXXX and XXXX as of XX/XX/XXXX. This demonstrates my disciplined approach to credit management and financial responsibility. Furthermore, I am proactively addressing any negative information on my credit report in Federal Court for violations of the Fair Credit Reporting Act ( " FCRA '' ), and opposing counsel for XXXX is currently having settlement negotiations. 

It is also important to note that XXXX may have failed to accurately report my cashRewards card, which could have negatively impacted my credit evaluation, or there was a systematic error with XXXX, and Navy Federal potentially did not receive the updated credit report early in the morning. I have included images and documentation to support this claim. 

Looking ahead, I plan to apply for an auto loan with Navy Federal and eventually secure mortgages through your institution. I trust that Navy Federal will continue to be a part of these important milestones in my life. 

Given my solid track record with Navy Federal and my overall financial stability, I kindly request a reconsideration of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am confident that a review of my current credit report and financial behavior will affirm my suitability for the credit card and not potentially be triggered by a computerized system. 

Thank you for your time and consideration. I look forward to a positive response and the opportunity to continue building a strong financial relationship with Navy Federal Credit Union. 

Sincerely, XXXX XXXX

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