Client Review on Tri-Cities Community Federal Credit Union

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Me and my spouse have credit scores of 866 and 839, we have a joint income of $279K, and our net worth is $1.8 million. At the time of the application we had $157,985.35 in our checking account and we had less than $1K of unsecured debt. Our personal debt included a car payment of $1k and a mortgage payment of $1,250.00. The president of TriCU (Doug), who also doubles as the VP of lending (aka the head underwriter) and who personally makes most lending decisions, decided that he would totally ignore all relevant fair lending laws and deny my application for a credit card. Doug and I have a history that involves me calling him out on bad banking practices back in 2010ish. I pressured the CU to get with the times and start reporting to all three credit bureaus, instead of just TransUnion, like they had done up to that point. Doug insisted that it was customary for CU's to only report to one credit bureau. Only after I showed him that every other CU in the region was reporting to all three credit bureaus, did he realize how foolish he was behaving and ultimately changed the policy. It's been my experience that Doug becomes unhinged when challenged by a member. Even if he is dead wrong, he will dig in and fight you with every shred of his power as president, even if that means violating banking rules or laws.Doug will also let his personal opinion of members get in the way of fair lending decisions. My credit score, income, and debt to income ratio, make possibly the best credit profile that has ever walked through Tri-CU's doors, yet a palpable bias was clear to me throughout the entire transaction. Further proof of this unlawful bias is that shortly after my denial for "any amount of credit," I was able to get a $40K unsecured card from a competing credit union. Consumers have laws to protect us from people like Doug. If I had more time, I would gladly guide the proper government officials to this issue, but writing this review is all the time I'm willing to spend informing the public of this troubled institution.Update: The response from Tri-CU indicating that their actions were " legal and appropriate" is flatly absurd and clearly contradicted by the fact that I was later approved for four times the requested credit limit by a competing credit union. When I spoke to the competing underwriters at two separate credit unions, they uniformly told me that my credit worthiness is unquestionably of the highest quality and that something very troubling is going on at Tri-CU. All credit unions use essentially the same underwriting guidelines, as the guidelines are effectively required by law, but not all institutions are ruled by a tyrant like Doug. It is against lending laws to deny a credit application because you have a personal problem with a member. Doug's personal opinion of me was the only factor at play. All Tri-CU members should be deeply troubled by Doug's actions.Lastly, if Tri-CU feels they did nothing wrong, than I would encourage them to mail me an explanation of the lending decision that would validate their denial and hold up to scrutiny from underwriting experts. If Tri-CU's decision was consistent with standardized underwriting practices, I will gladly remove this post. If this post is still up, I haven't yet received a valid response from Tri-CU.