I guess I am seeing the same issue. I don't have that many Fleet Credits, but I know I have over 5.5million now, not including lifetime Fleet Credits (I have used the fleet credits into getting the Space, Ground, Active rep 5th slot for all my toons and well as 2 additional ships using the credits for each one of my toons totaling something like 1 million more Fleet Credits Each)
Did Some more digging this is my Current Lifetime FC
Toon: Current FC: Lifetime FC
Toby: 1,975,395: 4,178,995
Aila: 1,893,462: 2,999,662
Nathan: 1,150,473: 2,291,273
HoSghaj: 492,855: 1,983,255
Totals 5,512185: 11,453,185
Granted that i did get some of the FC by contributing to the the Gamma Fleets.
Going over some of the Achievements, I guess i would would qualify for Empire Apex Achievement STO Academy Award for Altruism
United Development Award Second Class and STO Academy Platinum Citation of Enrichment (but this is retired now)
Also I dont see a location to submit.
PS. I sort of wish there was a Rank 4.5/Commodore Special Ops Rank on the Fleet Bank that has the withdraw limits doubled.