Opening an account: Checking or savings account

I am submitting this complaint regarding Navy Federal Credit Unions continued denial of banking access following resolution of my previously charged-off balance and my subsequent attempt to comply with account requirements. After satisfying the charged-off balance that had been identified as affecting my prior account relationship, ownership of my LLC was placed under a trust structure, requiring me to submit a new Application for Deposit Trust account with supporting documentation. I submitted the required documents in good faith and received the following response from Navy Federal : This Trust does not fall within the category of a simple estate planning Trust that we service. After a thorough review of your documents, it appears we are unable to proceed with your Trust application request and encourage you to explore other financial institutions for your Trust needs. After receiving this message, I contacted Navy Federal to understand the reason for the denial and determine whether any corrective action or additional documentation could resolve the issue. During those discussions, I was informed that Navy Federal does recognize and service irrevocable trusts generally. However, representatives could not explain why my specific trust application was denied and could provide no information beyond repeating the original message. My concern is not only that an application was denied. My concern is that I have been provided no meaningful explanation identifying : what specific provision, characteristic, or aspect of my trust caused the denial ; whether the denial is based on trust structure, documentation requirements, internal policy limitations, risk classifications, or another specific factor ; whether there is any issue that can be corrected or cured ; and whether this denial is connected to internal account restrictions arising from previous account history despite resolution of the charged-off balance. I relied on the representations made during prior communications and took steps to resolve prior account issues and comply with the application process presented to me. However, I continue to receive generalized statements without sufficient information to understand the reason for the denial or determine whether any corrective action is possible. I respectfully request confirmation that all decisions regarding my trust application, account eligibility, and membership status were based on accurate information and applied consistently with applicable consumer reporting and consumer protection obligations.