Recently I've encountered a problem at my local credit union which raises a question for discrimination and poor practices. I'm 26 and have been Banking through this financial institution my entire life. Parents opened a youth account for me at birth in 1990 and I have used it ever since for everything direct deposit, credit cards, loans, and even auto loans are immediately transferred to this institution if they have to be financed through a certain company that works with auto dealers. This Is also the only credit union I've ever been a member of. Well my spouse has been an employee there for almost 6 years and about a year ago she acquired a new boss and they don't get along at all. She put in her 2 week notice and that's when the problems started occurring and until this point I've never had any problems. I applied for a $2500 personal loan and was denied due to having too much insecure debt or so her boss claims when she called me. And it took quite a while for a response due to certain procedures that are followed because I'm related to an employee. Last year I was granted a 10k personal loan and it's already paid down to 3k so I don't understand where this is coming from, but okay. So I got a consigner that has an A+ credit score and no debt because they literally have 1/2 million in the bank and live a pretty wealthy life with a great annual income and was still denied by my wife's boss who contacted me in less than 10 minutes this time after submitting it. What about procedures? They told me after being denied a loan it's up to their descresion if they want to accept a cosigner. Well my wife said in her 6 years of employment she's never heard that and In fact for most cases lenders push for you to get a cosigner after being denied if you can. And also with her being an employee she could see the loan application and she said it was never even reviewed. They just seen the name on it and denied it. So now that you know the details, my question is. Can I take any kind of legal action on this? This clearly sounds like her boss has a grudge and is using this to her benefit to mess with my wife which in return is messing with my life. Sure I could apply somewhere else but I feel this is wrong and I want it taken care of. Any advice?