Timothy E. Lynch, Inc.

This is in reference to complaint ID number ***, which was received by Navy Federal on January 2016, submitted by our member, *** ** ***. We have thoroughly researched the concerns presented in our member’s complaint regarding our credit bureau inquires associated with his
membership and consumer loan applications. Through our review of this matter, we concluded that our representatives correctly followed our credit bureau inquiry procedures. During our review of the applications *** *** submitted, and following our policies and procedures, we determined it was necessary to place restrictions on his account. After attempting to provide resolution to this matter, *** ***’s request to close his accounts was honored If *** *** has any questions, he may contact Robert S***, Assistant Vice President, Security, at ###-###-####, extension 48662, between the hours of 7:a.mand 3:p.m, Eastern time, Monday through Friday

The following references the complaint we received on July from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of *** We have thoroughly researched our member’s concerns. On March 2017, Ms
*** requested to dispute transactions with *** *** *** for $and $89.74. She stated that she no longer wanted the products she received, but the merchant would not assist with the return. On March, provisional credits totaling $were issued to Ms***’s checking accountThe claim was investigated and we determined that no error occurredOn June, a final resolution letter was sent to Ms***, advising that the claim was considered closedHowever, on July we honored her claim as a courtesy, and the credits totaling $remain permanently in her account If Ms*** has any questions, she may contact *** *** *** Debit Card Dispute, at *** extension ***, between the hours of 8:a.mand 4:p.m., Central time, weekdays

The following references the complaint we received on August from the Revdex.com on behalf of Navy Federal member *** ***. The complaint was assigned an ID number of ***. Navy Federal has thoroughly reviewed our member’s concerns. New accounts were
opened for her on July when we were advised that Mrs*** believed that her existing accounts had been compromised. We then discovered that the same device which was used to deduct the $4,in question from her savings account on July has been used since November to transact business on her accounts. Therefore, the claim Mrs*** made was denied. The restriction that had been placed on her accounts as a security measure was removed on August 2016. Should she have any questions, Mrs*** may contact Jimmy R***, Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension 70067, between 8:a.mand 4:p.m., Central time, weekdays

[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 ***, and find that this resolution is satisfactory to me. I would just like to add if anyone else is experiencing difficulty, I encourage your patience and to continue to send the requested documents, NFCU will resolve the issue for you I greatly appreciate the attention and care given by NFCU
Kind Regards,
*** ***

[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

The following references the complaint we received on November from the Revdex.com on behalf of Navy Federal member *** ***. The complaint was assigned an ID number of *** Navy Federal has thoroughly reviewed our member’s
concerns. On October 2016, Ms*** reported a debit card dispute with *** Rent-A-Car, advising that the merchant did not provide services for the amount charged. We have determined that Ms*** entered into a car rental contract on August with *** Car Rental using her Navy Federal debit card to settle any car rental charges. *** Car Rental charged her debit card for an additional charge related to her rental. The transaction posted to our member’s account on October under the merchant name “*** Rent-A-Car” due to a partnership between the two car rental companies. We attempted to contact Ms*** on November, but were only able to leave her a voicemail. We followed up that day with a letter explaining in detail the circumstances of her case and our decision for denial. The case remains closed at this time If Ms*** has any questions, she may contact Catherine S***, Debit Card Dispute Resolution Specialist, at ###-###-####, extension ***, between the hours of 8:a.mand 4:p.m., Eastern time, Monday-Friday

This is in reference to complaint ID number ***, which was received by Navy Federal on September 2016, submitted by our member, *** ***
We have thoroughly researched the concerns presented in our member’s complaint Through our review of this matter, we concluded that no Navy
Federal error occurred On September 2016, Payton P***, Supervisor, Collections, spoke with *** *** and notified her that her calls with our Contact Center representatives in August and November were reviewed Our member was advised that there was no mention of credit bureau reporting and payment deferments during any of the calls, and that we are unable to adjust any information on her credit report
We will not request a change to *** ***’ credit report as Navy Federal is required to report fair and accurate data to the credit reporting agencies
If *** *** has any questions, she may contact MrP*** at ###-###-####, between the hours of 8:a.mto 4:p.m., Central time, Monday through Friday

The following references the complaint we received on March from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of *** Navy Federal has reviewed our member’s concerns. On March, Robert L***,
Supervisor, Mortgage Payment Payoff and Servicing, spoke with *** ***. At that time, he advised her that we had credited her Navy Federal savings account with $representing the fee she incurred at *** Federal Credit Union (FCU) and that we had credited an additional $to reimburse her for the funds erroneously transferred from her *** FCU account on December 2015. As *** *** requested, we have now transferred a total of $to her *** FCU account. We have forwarded a *** Gift card to *** *** to compensate her for a portion of the inconvenience she experienced as a result of the error Should she have any questions, our member may call MrL*** at ###-###-####, extension ***, between 8:a.mand 4:p.m., Eastern time, weekdays

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because even though I filed bankruptcy and the account had an outstanding balance, you still can not report the accounts as a charge off and included in bankruptcyIt is against the bankruptcy injunction and that is a law suit because you are reporting as inaccurate informationThere should not be any outstanding balance,and everything should be $outSaying you can not change the status is a complete lie, and I have talk to my attorney and you are reporting inaccurate informationAlso, I would like the verification method for these four bureaus you claim to consult
Regards,
Erica Cuff

This is in reference to complaint ID number ***, which was received by Navy Federal on October 2016, submitted by our member, *** ** *** ***
We have thoroughly researched the concerns presented in our member’s complaintOn October 2016, Deborah B***, Contact Center Resolution
Specialist, attempted to reach *** *** *** regarding her concerns, but was unsuccessfulOn October 2016, our member telephoned our Contact Center and we discussed the promotional credits with herOn the same date, the appropriate promotional credits were applied to *** *** ***’s Membership Savings accountA voice message informing her of the applied credit(s) was left for her at her mobile number of record
If *** *** *** has any questions, she may contact Micah S***, Contact Center Resolution Specialist, at ###-###-####, extension ***, between the hours of 6:a.mto 3:p.m., Central time, Monday through Saturday

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because: The company did not contact me when the loan was sitting at the branch for over daysWhat type of business just lets a loan sit for a few weeks and does not contact the borrower? It seems to be in poor practice to just leave a loan sit there for that longAfter contacting Navy Federal it was stated that it was not usual for them to just not contact a borrowerBut that it was still my fault for not reaching out to the bankSo I should expect that any time that I would forget to pick up a document that Navy Federal would place the blame on me and not reach out to me with timely information.
Regards,
*** *** ***

The following references the complaint we received on June from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of *** Navy Federal has thoroughly reviewed our member’s concerns. On June 2016,
*** *** made two deposits at a Navy Federal ATM. These deposits were made after the local cutoff time and therefore were not credited to her account until the next business day, June. *** ***’s checking account number *** was overdrawn at the close of business on June; therefore, three items presented for payment were paid under our Optional Overdraft Protection Service (OOPS) plan in which our member is enrolled. Since the account balance was insufficient to honor the items, we paid them and charged a $fee for each item in accordance with the OOPS terms and conditions. When *** *** called Navy Federal, she was given an explanation and a $refund of one of the OOPS fees. We have subsequently refunded the other two fees as a one-time courtesy. Should she have any questions, *** *** may call Patricia W***, Savings and Checking Operations Specialist, at ###-###-####, extension ***, between 6:a.mand 4:p.m., Monday, Wednesday, Thursday and Friday

The following references the complaint we received on December from the Revdex.com on behalf of Navy Federal member *** ** ***The complaint was assigned an ID number of ***
Navy Federal has thoroughly reviewed our member’s concernsAccording to our records, Ms
*** attempted two transactions with *** on December She also made a transfer to her checking account on the same dayHowever, the transfer she made to her checking account via our Mobile Banking app was made during our transaction processing time, so it was not yet available for useTherefore, the first transaction was correctly denied due to insufficient fundsThe second transaction with *** was approved and properly posted to her account on December
Based on our review of the telephone conversation, the service provided by our representative was accurate and respectfulWe regret that Ms*** feels otherwiseShould Ms*** have any questions, she may contact us at *** ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: I have never spoken with NavyNavy must be speaking with someone other than myself.I am again requesting that Navy Federal Mail me the documents showing my signature for each loanNavy stated that I have signedfor each loan so I am requesting that Navy send me the documentation showing my signature on each loan/credit card accountI willbe expecting loan signatures for the separate accountsIf this can not be provided then by law these accounts have to be removed from the bureau'sMy address again for over years is below, which is different from what you show on the paper work of the loans.Please provide the documents ASAP!! Thank You*** *** ***Tarboro, NC ***
Regards,
*** ***

The following references the complaint we received on December from the Revdex.com on behalf of Navy Federal member *** *** The complaint was assigned an ID number of ***
Navy Federal has thoroughly reviewed our member’s concerns We have confirmed that the
loans and credit card accounts issued in Mrs***’s name are valid debts Each account balance was subsequently charged to our reserves due to non-payment, resulting in a loss to the credit union membership A consolidation loan was granted to her on August 2008; the balance was deemed a loss on March A Checking Line of Credit (CLOC) was opened on April 2007; when the account became past due, the outstanding balance was refinanced as a consumer loan When the refinanced loan fell past due, the balance was also declared a loss on March
The Visa account, established for Mrs*** in May 2008, and the *** account, opened in July 2008, became delinquent and the outstanding balances were also declared to be losses
The trade lines for Mrs***’s credit report have been reviewed and are correct Therefore, no adjustment will be made We report fair and accurate data to all the major credit reporting agencies and cannot remove any accurately reported information from a credit report
If she would like to make payment arrangements on her outstanding balances, Mrs*** may contact our Collections Department at ###-###-####

The following references the complaint we received on March from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of *** Navy Federal has thoroughly reviewed our member’s concerns. Janice D***,
Supervisor, Loan Officer, attempted to contact *** *** *** on March; however, she was only successful in leaving a message. When *** *** *** requested a Late Model Used Automobile loan, he was quoted an Annual Percentage Rate (APR) of 6.39%; however, once the details of the *** were received, we noted that the vehicle’s mileage exceeded the 30,000-mile limit allowed for such an APR by miles. We therefore changed the loan from a Late Model Used Automobile loan to a used vehicle loan with an APR of 9.49%. Our disclosure regarding the qualifications for a Late Model Used Automobile loan was displayed when he applied for the loan; a copy of the pertinent section is attached. In addition, a copy of the instructions for the dealer is attached. When a member picks up loan funds at a branch office, he or she is given a personalized disclosure with a section entitled, “Please remember your annual percentage rate and loan terms could change if:”; one of the reasons listed within that section is, “the vehicle does not fall under the category for which the loan was approved.” As a courtesy, we have decreased the APR on *** *** ***’s loan to 6.14% since the mileage on the *** exceeded our 30,000-mile limit by only miles; this APR reflects the quoted APR of 6.39% plus an Active Duty military discount. His monthly payments are now $646.86. Should he have any questions, he may call MsD*** at ###-###-#### between 7:a.mand 4:p.m., Eastern time, weekdays

The following references the complaint we received on January from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of *** Navy Federal has thoroughly reviewed our member’s concernsWe investigated
the member’s claim regarding the $debit. A provisional credit of $was credited to her checking account and fees related to the transaction were waived. Our investigation of this matter has now been completed and the provisional credit was made permanent

This is in reference to complaint ID number ***, which was received by Navy Federal on November 2016, submitted by our member, *** ***
We have thoroughly researched the concerns presented in our member’s complaintNavy Federal strives to provide efficient, accurate, and
responsive service to our members at all times, and we regret that our member was not satisfied with her experienceOn and November and December, our representative attempted to contact Miss *** by telephone, but she was only able to leave voice messages
We have concluded that our Contact Center representative acted appropriately and professionally and that no Navy Federal error occurredOur records indicate that, since June 2016, as a courtesy, Navy Federal has waived over $in fees for Miss ***However, as a courtesy on November we credited Miss ***’ checking account for the $non-sufficient funds fee debited from her checking account on November
If Miss *** has any questions, she may contact Kirstie L***, Supervisor, Contact Center Resolution, at ###-###-####, extension ***, between the hours of 7:a.mto 3:p.m., Eastern time, Monday through Friday

The following is in reference to the complaint we received on July from the Revdex.com (Revdex.com) on behalf of ***
** ***. The complaint was assigned an ID number of ***.We have previously addressed *** ***’s concerns on several occasions in
through the Revdex.com. On April 2014, the Revdex.com indicated that *** ***’s complaint had been closed as resolved. Since *** *** has not provided any additional information that would change our original disposition, we will not reopen the case as she requests

The following references the follcomplaint we received on July from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was originally assigned an ID number of *** We have conducted a thorough review of *** ***’ loan application that was submitted on July via Navy Federal Online Account Access. A Navy Federal system message was sent to *** *** that advised her that if approved, her payment would be within a possible Annual Percentage Rate (APR) range, showing the lowest and highest possible APR based on the requested term; corresponding payments for each listed rate were shown. The automated response also advised *** *** that we were unable to provide the final APR at that time; however, once the review of the finished application was complete, a final APR would be determined On July 2016, Navy Federal contacted *** *** to clarify the loan purpose. *** *** advised that the purpose was to consolidate debt; therefore, the Member Service Representative updated the purpose of the loan to accurately reflect how the funds would be used. However, the change in purpose had no bearing on the APR, and did not change the APR A careful review of the loan history indicates that the APR for the initial purpose of a personal loan and final purpose of consolidation loan was the same. Unfortunately, *** *** did not qualify for the “as low as” APR that was initially provided in the APR range quoted upon submission of the online application. Should *** *** have any further questions, she may contact Robin L**, Assistant Manager, Consumer Lending Portfolio, at ###-###-####, extension ***, between the hours of 7:a.mand 4:p.m., Eastern time, Monday through Friday Tell us why here