I jumped through some hoops on the front end and gave it some time and when I finally was able to apply it was a really painless process. Not a single problem (didnt even need to send a copy of the utility bill in roommate's name. However, I did have a phone setup in his name for a couple months before I applied and we applied basically at the same time (I applied right after he got his authorization number).
Today, I added my sister to NFCU without any problems. There must be something in their computer system that sees something it didnt like with your application. I know that doesnt make it any easier for you since you wasted those HP's. I wasted $75 trying to join PSECU (while not the same as HP's) I understand your position.
