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Timothy E. Lynch, Inc.

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Timothy E. Lynch, Inc. Reviews (134)

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User Reviewer9896604 time 18.07.2018

The following references the complaint we received on 3 May 2016 from the Revdex.com on behalf of Navy Federal member [redacted]. [redacted].  The complaint was assigned an ID number of [redacted]. Navy Federal has thoroughly reviewed our member’s concerns.  On 29 May 2014, Mr....

[redacted] took out a used vehicle loan; a copy of his signed Promissory Note is attached.  We received a fraud claim on 13 March 2015 and investigated our member’s claim.  A letter dated 7 May 2015 was sent to Mr. [redacted]’s address of record to advise that his claim of fraud had been denied based partially on payments having been made by Mr. [redacted] via personal check and SpeedPay.  A copy of the claim letter is also attached.   The loan balance was charged to our reserves on 26 June 2015; a Cease and Desist note was placed on the account on 27 April 2016 at our member’s request. We will not request a change to his credit report as all data reported concerning the loan is accurate. We would like to work with Mr. [redacted] to make suitable repayment arrangements.  He may call Counselor  B. W[redacted] at ###-###-####, extension 48267 between 8:00 a.m. and 4:30 p.m., Eastern time, weekdays.


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User Reviewer9895637 time 17.07.2018

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because:i requested Navy Federal to provide me with the exact account numbers on all my lines before they sold the debt to [redacted] Please send me account details on all my lines so my attorney can review them since this is no longer an investigation i request them with in seven daysRegards,
[redacted]


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User Reviewer9895603 time 16.07.2018

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: I reject the determination from NFCU for the following reasons: 1) The "investigation" took less than one business day which means no investigating could have occurred of multiple businesses2) Several messages were not left, 1 message a week and three supervisor conversations later (documents can be provided)3) The spending pattern is definitely out of character for the history of the account as are the establishments 4) Several times I stated to the customer service representatives that I had an active police report case number for the theft5) My surname is hyphenated hence per social security I can use a combination or just [redacted] which is preferred
Regards,
[redacted]


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User Reviewer9891224 time 15.07.2018

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID I was contacted and received a direct phone number and contacg to help resolve the matter. I have continued to fax material -affidavid of stolen account and police report (3) to them and await the status of the account. When working with [redacted] bank they were very helpful and sent me a packet of information about how to deal with id theft. I would recommend this company setting up some sort of similar procedure to deal with the information. Today, I faxed verification from the bank that the account at the other bank was not opened by me and hope this resolves the matter. 
Regards,
[redacted]


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User Reviewer9889314 time 14.07.2018

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
C[redacted]r [redacted]


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User Reviewer9889842 time 14.07.2018

Thefollowing references the complaint we received on 27 July 2015 from the BetterBusiness Bureau on behalf of Navy Federal member [redacted] J. [redacted].  The complaint was assigned an ID number of[redacted].  NavyFederal has reviewed our member’s concerns. The Manager and Regional Manager...

of our Mortgage Operations Branch spokewith Mr. [redacted] on 28 July and 29 July to discuss this matter.  On 22April, when Mr. [redacted] applied for a mortgage loan, his application reflectedhis active duty pay; however, on 28 April, he advised our representative thathe would be separating from the U.S. Marine Corps.  Once we received a letter from his newemployer stating his projected monthly salary, we found that our member’sdebt-to-income ratio was outside of our lending guidelines.  At that point, we were unable to approve amortgage for Mr. [redacted].  As acourtesy, we refunded the $400.00 fee that Mr. [redacted] had paid for therequired property appraisal.  Asour team members discussed with Mr. [redacted], Navy Federal did not require ahome inspection.  In light of this, wewill not be reimbursing him for the home inspection costs.


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User Reviewer9889186 time 14.07.2018

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because it is the same answer I received when I originally made the complaint.  It is essentially comes to sorry for the misinformation, but we are not willing to do anything outside our existing framework to assist.  The only change that I have seen is the website now clearly indicates that DDNP is required versus just Direct Deposit.  I still received conflicting information with respect to the Flagship Checking.  Website states Direct Deposit and two different people have told me two different answers (i.e., net pay versus no net pay required, but to be fair the resolution rep has been consistent in telling me it is net pay).  I have a call in to the supervisor stated in the last response.  However, I am confident I will be told the same information again.  No where in this process has Navy Federal Credit Union accepted responsibility for their mistake other than to say so sorry.  A $50 gift card is a nice gesture, but is a temporary fix to a long term issue as long as I have a checking account.  When I am given a response other than "it is the consumer's choice to fix the problem," perhaps then I will be willing accept a response. 
Regards,
[redacted]


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User Reviewer9890141 time 13.07.2018

This is in reference to follow-up complaint ID number [redacted], which was submitted by [redacted].
As indicated in our previous responses to the Revdex.com regarding this matter, Navy Federal has conducted a thorough investigation of [redacted]’s fraud claim. According to our records, [redacted] submitted applications for his [redacted] Signature cashRewards and Platinum [redacted] credit card accounts by telephone on 19 June 2013 and 8 July 2013, respectively. By his use of the credit cards which were issued to him, [redacted] agreed to the terms of Navy Federal’s Credit Card Agreement and Disclosure, which was provided to him when the accounts were established. A copy of the disclosure is attached. A copy of [redacted]’s consumer loan Promissory Note was mailed to the address provided on 2 June 2016.
Our investigation concluded that no error has occurred, and that [redacted] remains responsible for repayment of the balances of his Navy Federal accounts. No adjustment to the credit reporting for the accounts will be made.


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User Reviewer9889831 time 12.07.2018

The following references the complaint we received 16 June 2016 from the Revdex.com on behalf of Navy Federal member [redacted]  The complaint was assigned an ID number of [redacted].   We have thoroughly researched [redacted]’s concern regarding his Platinum [redacted]...

account.  Our records indicate that on 21 September 2015, [redacted]’s billing cycle closed with a $132.00 minimum payment due by 18 October 2015.  The minimum payment was not received by the due date.  Our records reflect that the September 2015 statement and the attached payment request were sent to our member’s address of record via the U.S. Postal Service.   We attempted to contact [redacted] on 20 November 2015, and left a voice mail for him to call Navy Federal.  We contacted [redacted] again on 27 November, at which time he made the payment to bring his account current.   We report accurate data to all of the major reporting agencies, and cannot remove the late payment from [redacted]’s credit report.   Should [redacted] have further questions, he may contact Carrie M[redacted], Research and Documentation Liaison, at ###-###-####, extension 44926, between the hours of 8:00 a.m. and 4:30 p.m., Eastern time, Monday through Friday.


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User Reviewer9894837 time 12.07.2018

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 9 May 2016, submitted by our member, [redacted]. [redacted]. We have thoroughly researched the concerns presented in our member’s complaint regarding the Navy Federal loan number ending in 07 reflecting...

him as co-borrower. Through our review of this matter, we concluded that Sergeant [redacted] did not agree to be a co-borrower on the 07 loan.  Sergeant [redacted] was removed from the loan effective 19 May 2016. On the same date, a request was sent to the credit reporting agencies to remove the 07 loan tradeline from his credit reports.  Since a credit inquiry for the loan application was requested from TransUnion, the request to mask the inquiry was sent to that agency.  The credit reporting agencies may take 30 days for the updates to reflect on Sergeant [redacted]’s credit file.   If Sergeant [redacted] has any questions, he may contact Jimmy R[redacted], Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension 70067, between the hours of 7:00 a.m. to 3:30 p.m., Central time, Monday through Friday.


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User Reviewer9878983 time 12.07.2018

This is in reference to the follow-up complaint we received on 24 August 2016 from the Revdex.com on behalf of Navy Federal member [redacted]. [redacted].  The complaint was originally assigned an ID number of [redacted]. Navy Federal has again reviewed our member’s concerns. On 1 September 2016, based on our additional investigation, we reversed the transaction in question and Ms. [redacted] now has access to the funds. At Navy Federal, we strive to provide the best member service possible; we regret if this is not consistent with our member’s experience. Should she have any questions, Ms. [redacted] may contact Jimmy R[redacted], Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension 70067, between 8:00 a.m. and 4:30 p.m., Central time, weekdays.


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User Reviewer9888252 time 11.07.2018

This is in reference to a follow-up complaint, ID number [redacted], submitted by Navy Federal member, [redacted].
Navy Federal has addressed [redacted]’s concern in our previous responses to his Revdex.com complaint on 2 and 12 February 2016. As no new information has been provided by our member, our position in this matter remains unchanged.


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User Reviewer9880070 time 11.07.2018

The following references the complaint we received on 6 February 2018 from the Revdex.com on behalf of Navy Federal member [redacted]. The complaint was assigned an ID number of [redacted].
Navy Federal has thoroughly researched Ms. [redacted] concerns. The Navy Federal Home Equity...

Line of Credit ([redacted]) account ending in [redacted] was not included in the foreclosure process due to the property’s value. As a result, the [redacted] was charged to our reserves on 17 February 2012.
We have reviewed our member’s tradeline with the four nationwide credit reporting agencies and verified it is reporting correctly.
An [redacted] Form 1099-C was sent to Ms. [redacted] regarding the sale of the property.
Should Ms. [redacted] have additional questions, she may contact [redacted], at [redacted] Ms. [redacted] is available from 8:00 a.m. to 4:30 p.m., Eastern time, weekdays.


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User Reviewer9885991 time 10.07.2018

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 13 October 2016, submitted by our member, [redacted].
We have thoroughly researched the concerns presented in our member’s complaint. Through our review of this matter, we concluded that our...

representative correctly followed our normal procedures and conducted herself in a professional manner. When check numbered [redacted] was presented for payment to [redacted]’ Navy Federal checking account on 13 October and was returned unpaid due to non-sufficient funds, a $29.00 non-sufficient funds fee was assessed to her account. On the same date, [redacted] request to have her fee waived was denied.
Per Navy Federal’s Important Disclosures, the credit union is authorized to refuse checks that exceed funds available in the checking account. A fee will be assessed in the amount shown on Navy Federal’s current Schedule of Fees and Charges for each refused check.
Navy Federal strives to provide efficient, accurate, and responsive service to our members at all times, and we regret that [redacted] was not satisfied with the service she received

If [redacted] has any questions, she may contact Kirstie L[redacted] Supervisor, Contact Center Resolution, at [redacted], extension [redacted], between the hours of 7:30 a.m. to 3:30 p.m., Eastern time, Monday through Friday.


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User Reviewer9890094 time 10.07.2018

The following references the complaint we received on 19 December 2017 from the Revdex.com on behalf of Navy Federal member Kierra D. Jackson.  The complaint was assigned an ID number of [redacted].   We have thoroughly researched our member’s claim and found that unauthorized...

transfers were made from her accounts on 30 November 2017.  Upon completion of our investigation, credits were issued to her checking account and savings account.  A letter advising [redacted] of the credits made was sent to her address of record.  We regret any inconvenience experienced by our member.   If  [redacted] has any questions, she may contact [redacted] Financial Crimes and Risk, at [redacted], between the hours of 7:00 a.m. and 3:30 p.m., Central time, weekdays. Tell us why here...


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User Reviewer9876783 time 10.07.2018

This is in reference to a follow-up complaint, ID number [redacted], submitted by Navy Federal member, [redacted]. We have thoroughly researched [redacted]’s concerns.  As advised in our previous response to the Revdex.com on 9 June 2016, we conclude that no error was committed by Navy Federal. Navy Federal will not refund our member for the check.  Our member was advised that resolution should be sought with the company that received the payment. In the process of setting up a stop payment for a check, we request the amount of the check and payee name as this information is useful in certain cases, such as instances of the merchant converting a check to an Automated Clearing House (ACH) transaction (where the information is submitted under the payee information and amount).  In this instance, the item was presented for payment as a check and therefore, we relied only on the check number to determine which specific transaction to stop.  Should [redacted] have any questions, she may call Kimberly G[redacted], Supervisor, Savings and Checking Operations, at ###-###-####, extension 70023, between 7:00 a.m. and 3:30 p.m., Eastern time, Monday through Friday.


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User Reviewer9875587 time 10.07.2018

The following references the complaint we received on 28 April 2018 from the Revdex.com on behalf of Navy Federal member [redacted].  The complaint was assigned an ID number of [redacted].   We have researched our member’s concerns.  On 4 May 2018, our member’s spouse...

provided us a Power of Attorney allowing her to transact for [redacted].  As a courtesy, we reverted the transferred funds to our member’s checking account on that date.  We also provided [redacted] a refinanced vehicle loan in order to bring his account current.   If our member has any questions, he may contact Mr. O[redacted], Manager, Mid-Stage Collections, at ###-###-####, extension [redacted], between the hours of 8:00 a.m. and 4:30 p.m., Central time, weekdays.


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User Reviewer9890193 time 10.07.2018

The following is in response to the follow-up complaint we received on 21 August 2015 from the Revdex.com on behalf of [redacted]. The complaint was originally assigned an ID number of [redacted].We have researched our member’s loan account ending in [redacted] and have found that the loan was extended on three separate occasions: 20 November 2012, 21 February 2014 and 9 March 2015. [redacted] is claiming that the extension granted on 9 March 2015 was completed without her knowledge. Navy Federal is conducting an investigation into this claim. In addition, Navy Federal acknowledges that [redacted] does not wish us to cease all communication with her via telephone.Chip S[redacted], Manager, Collections, spoke with [redacted] on 31 August 2015. At that time, [redacted] requested the payment history of the loan accounts ending in [redacted], [redacted] and [redacted]. [redacted] also advised Mr. S[redacted] that she could no longer afford the current monthly payments on the [redacted] loan and requested that the loan be refinanced with lower monthly payments. Per [redacted]'s request, the refinance was completed on 31 August 2015.We apologize for any inconvenience our member experienced in her phone conversations with us. Navy Federal calculates interest on consumer loans using the simple interest method. Each time a payment is received we satisfy the interest due first and apply the remainder of the funds toward the principal. There is never any pre-payment of interest. The amount of interest gradually decreases as the principal balance is reduced. Interest is calculated daily on the unpaid principal balance from the last payment to the current payment. According to our records:On 9 April 2015, a payment of $176.00 was made and was applied to principal. On 5 June 2015, a payment of $150.00 was made and was applied to interest. On 30 June 2015, a payment of $150.00 was made and was applied to interest. On 28 July 2015, a payment of $175.00 was made and was applied to interest. On 11 August 2015, a payment of $125.00 was made and was applied to interest. On 13 August 2015, a decrease accrual adjustment was made in the amount of $397.93 which was credited to principal. On 24 August 2015, a payment of $200.00 was made; $64.32 was applied to interest and $135.68 was applied to principal.The following information is in regard to the payments made by our member through Automated Clearing House:A payment in the amount of $300.00 was made on 28 July 2014 (due to the age of the transaction, there is no trace number available). A payment in the amount of $175.00 was made on 26 August 2014, with a trace number of [redacted]. A payment in the amount of $185.00 was made on 28 August 2014, with a trace number of [redacted]. A payment in the amount of $50.00 was made on 2 October 2014, with a trace number of [redacted]. A payment in the amount of $400.00 was made on 16 October 2014, with a trace number of [redacted]. A payment in the amount of $100.00 was made on 26 November 2014, with a trace number of [redacted].A payment in the amount of $150.00 was made on 11 December 2014, with a trace number of [redacted]. A payment in the amount of $125.00 was made on 17 December 2014, with a trace number of [redacted]. There were no payments made between 17 December 2014 and 5 February 2015. A payment in the amount of $300.00 was made on 5 February 2015, with a trace number of [redacted]. A payment in the amount of $200.00 was made on 12 February 2015, with a trace number of [redacted]. A payment in the amount of $125.00 was made on 23 February 2015, with a trace number of [redacted].Attached is a copy of [redacted]’s loan payment history. Follow-up questions should be directed to Mr. S[redacted] by calling ###-###-#### between the hours of 8:00 a.m. and 4:30 p.m., Eastern time, Monday through Friday.


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User Reviewer9840638 time 09.07.2018

The following references the complaint we received on 1 April 2017 from the Revdex.com on behalf of Navy Federal member [redacted], also known as [redacted].  The complaint was assigned an ID number of [redacted].   We have thoroughly researched our member’s concerns. ...

Our records indicate that Ms. [redacted]’ credit card account ending in [redacted] had an outstanding balance, which was charged to our reserves on 29 July 2014 due to non-payment.  Her consolidation loan had an outstanding balance which was charged to our reserves due to non-payment.  Ms. [redacted]’ accounts were in a charge-off status before she filed for Chapter 7 bankruptcy protection; therefore, that status will remain on her credit report in addition to the bankruptcy status.   We have verified that Ms. [redacted]’ accounts are reported correctly with the four major credit reporting agencies; therefore, no adjustment is required.  We report accurate data and cannot remove any accurately reported information.   If Ms. [redacted] would like to discuss this matter further, she may contact us anytime at [redacted] Tell us why here...


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User Reviewer9855536 time 09.07.2018

The following references the complaint we received on 22 December 2017 from the Revdex.com on behalf of Navy Federal member [redacted].  The complaint was assigned an ID number of [redacted].   We have thoroughly researched our member’s concerns.  We reviewed the...

telephone call in question and confirmed that the person we spoke with identified himself as [redacted] and correctly answered our verification questions.  We did not knowingly disclose information to a third party.    We understand that our member and his father share a name; therefore, we suggest that he update his account to read [redacted], Jr., to avoid confusion going forward.  We have also noted that [redacted] is not a valid contact number for Mr. [redacted] and have updated his father’s account to prevent contact to that number.    If Mr. [redacted] would like to indicate that he is a junior, we request that he contact us at [redacted] as soon as possible, or complete the attached Change of Information/Add Joint Owner form and return it to us in the envelope provided.   Over the past several weeks, we have made several attempts to contact Mr. [redacted] by letter, email and telephone.  As of 10 January 2018, his [redacted] credit card account and his personal expense loan are past due.   To discuss his accounts, Mr. [redacted] may contact Mr. [redacted], between the hours of 9:00 a.m. and 5:30 p.m., Central time, weekdays. Tell us why here...


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Address: 19 Daniels St, Millis, MA, 02054-1240

Website: https://www.tdcanadatrust.ca/

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