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Application denied. Complaint Against : Navy Federal Credit Union ( NFCU ) Complainant : XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Narrative I am filing this complaint because Navy Federal Credit Union has repeatedly issued arbitrary and meritless denials of my XXXX credit card application, followed by scripted, dismissive replies from its senior lending team. These actions are inconsistent with my actual creditworthiness and have caused me severe distress. I originally joined Navy Federal in XXXX, and I recently re-engaged my membership and accounts because I wanted to avoid the big bank culture where members are treated as numbers, not people. I specifically trusted Navy Federal for its reputation of cooperative, member-focused service. Unfortunately, my recent experience has been t