Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XXXX XXXX, XXXX TO : Navy Federal Credit Union/ XXXX XXXXPresident XXXX XXXX FROM : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Nevada XXXX RE : Home Loan This letter will serve as my notice of displeasure with the treatment and handling of my loan package in XXXX XXXX. I requested to be processed for a XXXX XXXX guaranteed loan. This loan is guaranteed to all veterans who have served and received XXXX. I met all of the guidelines to be granted a XXXX loan according to an Employee from the XXXX loan production department. The employee 's name is XXXX XXXX XXXX, phone number XXXX, ext. # XXXX. During our conversation, XXXX XXXX informed me that they did not deny me the loan and that it was Navy federal Credit Union that did not want to underwrite this loan as a XXXX loan. 

Further investigation of this matter with the Internal Revenue Service concerning my wife 's debt owed to them should not and legally they do not have any standing or interest to go after said name property purchased through Navy Federal Credit Union. The IRS employee 's name is XXXX XXXX ; phone number is XXXX - XXXX, there is no lien in the state of Nevada, XXXX XXXX recorded against my wife XXXX XXXX XXXX. Since the deed is recorded with XXXX XXXX clearly showing that she signed off of any interest in the property it is not an issue for the IRS. 

During the processing of this loan your loan officer and including you XXXX XXXX explained to me that you needed to order a credit report on my wife because it is required in a community property state and also require by VA guidelines. You and your processors clearly stated to me that her credit was not being used for qualifications purposes but merely to meet lending policy requirements. However, after speaking with you on XXXX XXXX, XXXX, you stated to me that my wife had a foreclosure with Navy Federal Credit Union in the conversation with me about why I did not get a XXXX loan. I find this statement to be prejudicial to me as a veteran and a member who did not at the time of my wife 's dealings with Navy Federal Credit Union had any obligation to Navy Federal Credit to satisfy her obligations. We were not married at the time of any debts owed to Navy Federal Credit Union. 

It is an established fact after speaking to all parties that Navy Federal Credit Union could have underwrote a XXXX loan for me the XXXX applicant. For you XXXX XXXX, to even bring up in our conversation the fact that my wife had a foreclosure with Navy Federal Credit suggests that you and Navy Federal Credit Union gave me a loan other than a VA loan in a roundabout way of recouping money lost by my wife 's debt to Navy Federal Credit Union. 

Further, I am claiming violations under the Fair Housing Act. I will not enumerate here of all of them, however I am a disable veteran who happens to have a wife that defaulted on a loan to Navy Federal Credit Union. The law clearly states that if you considered any of her actions against me during this process, then this would be considered a discriminatory practice and a violation of this act. 

Due diligence is in question here regarding your understanding of the leniency of the funding requirements for a XXXX loan. Did Navy Federal do all it could to make sure that I the veteran was being service competently, that is the question that still is unclear. Based on my investigation of all parties concerned, I would have to say no. The other question that I have is what is Navy Federal Credit Union policies internally regarding helping veterans get approved for a XXXX loa

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