Vehicle loan or lease -- Getting a loan or lease -- Complaint #5619617
Complaint Overview
Complaint ID: 5619617
Company: Navy Federal Credit Union
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Getting a loan or lease
Sub-Issue: Credit denial
State: Texas
ZIP Code: 761XX
Date Received: 2022-05-28T12:00:00-05:00
Date Sent to Company: 2022-05-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I recieved a letter from Navy Federal Credit Union ( NFCU ) dated XX/XX/2022 stating that I had been denied a line of credit after I've submit and application on XX/XX/2022 for the purchase of a used automobile. The letter also informed me of my " credit score '' and the day they made a consumer report inquiry. The letter also stated that they " are unable to give specific reason why we denied credit to you. '' This leads me to believe that this is a discriminative action due to my heritage. This is a direct violation of 15usc1691a ( 1-2 ) I am of the XXXX XXXX XXXX and we are often treated unfairly. Their action of " denial of credit '' also is a direct violation of my federally protected consumer rights according to 15usc1681m and 15usc1691d ( 6 ) ( Adverse Action ) 15usc1681n ( willful non-compliance ), and 15usc1681o ( negligent non-compliance ).
Frequently Asked Questions
What is Complaint #5619617 about?
Complaint #5619617 was filed against Navy Federal Credit Union regarding Vehicle loan or lease specifically about Getting a loan or lease. It was received by the CFPB on 2022-05-28T12:00:00-05:00.
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 (Vehicle loan or lease) 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.