XX/XX/XXXX, l signed for Debt protection with PenFed Bank l was been billed almost {$55.00} a month, fast forward to XX/XX/XXXX, l lost my business and l need help with my debt protection pending getting back on my feet ; l was declined due to RED TAPE that internally created by PenFed to discourage folks from applying for debt protection, l was asked for numerous documents l submitted every single documents despite all this documents l was declined debt protection and l was told by one of the PenFed representatives that only DEAD PEOPLE qualified for debt protection, because l am still living l do not qualify ; l found this very offensive, l attached application form for debt protection ; this document clearly says in case of involuntary unemployment l am qualified, l paid over {$5000.00} for this protection now that l needed it l was denied for unreasonable reason. 
