Credit card or prepaid card -- Getting a credit card -- Complaint #5174430
Complaint Overview
Complaint ID: 5174430
Company: Navy Federal Credit Union
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: New York
ZIP Code: 11106
Date Received: 2022-02-01T12:00:00-05:00
Date Sent to Company: 2022-02-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Long Island XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX XXXX XXXX, was denied an extension of credit by Navy Federal. On XX/XX/XXXX, I applied for Navy Federal Go Rewards. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Navy Federal has violated my federally protected consumer rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M XXXX XXXX XXXX XXXX Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Navy Federal should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Frequently Asked Questions
What is Complaint #5174430 about?
Complaint #5174430 was filed against Navy Federal Credit Union regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2022-02-01T12:00:00-05:00.
How did Navy Federal Credit Union respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Navy Federal Credit Union?
Yes, visit the Navy Federal Credit Union company profile at readthecomplaint.com/company/navy-federal-credit-union to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.