Timothy E. Lynch, Inc.

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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 September from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of *** We have thoroughly researched *** ***’s concern regarding his mortgage loan
with Navy Federal. *** *** was contacted on September by Lisa W***, Supervisor, Pensacola Mortgage. Navy Federal strives to provide accurate and efficient service to our members during the mortgage application process We regret the frustration our member experienced as a result of the communication during his loan closing process regarding origination fees. As a member courtesy, we have credited our member the $1,he has requested, and he is satisfied with the resolution

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Revdex.com:
I did speak to Leslie from NFCU, although my credit reports have not been updated with this information yet, so I do not know if it is accurate.
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 did speak to Leslie from NFCU, although my credit reports have not been updated with this information yet, so I do not know if it is accurate.
Regards,
*** ***

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 concern. Our review
determined that *** *** opted in to our Optional Overdraft Protection Service (OOPS) for her checking account on September 2015. On August 2016, OOPS fees totaling $were properly charged in accordance with the terms and conditions of her account when an ATM withdrawal and a debit card transaction caused the account to become overdrawnA secured message is sent to notify a member each time the OOPS feature is used; our message includes a description of the item(s) paid and a list of the fee(s) chargedIn addition, any fees are reflected on the monthly statement. Copies of our disclosure and the pertinent statement are attachedAlthough the fees were charged correctly, we have refunded the $as a courtesyAny additional fees charged may not be refunded unless a Navy Federal error has occurredIf the OOPS feature no longer meets *** ***’ needs, she may opt out of OOPS at any time by calling us, visiting one of our branch offices or completing the Optional Overdraft Protection Service Opt-Out form available online Should *** *** have any questions, she may call Kimberly F*, Savings and Checking Operations Specialist, at ###-###-####, extension ***, between 7:a.mand 4:p.m., Central time, weekdays

This is in reference to complaint ID number ***, which was received by Navy Federal on March 2016, submitted by our member, *** ** *** **
We have researched our member’s concern regarding the mortgage loan on which his name appears as co-borrower with *** ***Kirsten
R***, Assistant Manager, Mortgage Default Management, spoke with *** *** on March Navy Federal continues to work with our members to determine loss-mitigation options which may be available to them
Questions regarding this matter may be directed to MsR*** at ###-###-####, extension ***, between the hours of 8:a.mand 4:p.m., Eastern time, Monday through Friday

This is in reference to the follcomplaint we received on December from the Revdex.com on behalf of Navy Federal member *** *** The complaint was originally assigned an ID number of ***
Our research has shown that, on November 2016, a Navy Federal representative attempted to place a stop payment on a bill pay transaction to the City of Greensboro, North Carolina as requested by Ms*** Unfortunately, the City of Greensboro, North Carolina is a “non-reversible” biller: once a debit has been processed, it cannot be recalled The payment to the City of Greensboro, North Carolina was processed on October; therefore, on November, the payment could not be stopped Since the bill was paid, Ms*** is responsible for the $in question
None of the four recurring payments that were set up for Ms*** on October were deemed to be unauthorized

This is in reference to complaint ID number ***, which was received by Navy Federal on January 2016, submitted by *** ***
We have researched *** ***’s concerns Due to conflicting information currently on file for *** ***, it will be necessary for her to provide Navy
Federal with a copy of her Driver’s License and complete a Change of Information/Add joint Owner form, to ensure that accurate information is listed for her account
In addition, *** ***’s sponsor, *** *** ***, must provide proof of eligibility for membership with Navy Federal This documentation was originally requested on November and remains a requirement for full access to ***and *** ***’ accounts As advised previously, *** *** must visit a Navy Federal branch and present a government issued photo ID along with original Social Security card, proof of physical address used to open acct (e.goriginal recent utility bill, tax statement, mortgage statement- not a lease or cell phone bill) and show proof that he meets eligibility based on the following requirements: member of the Armed Forces, Department of Defense, Coast Guard regular Active Duty and Reservists; Army and Air National Guard personnel; retired personnel; or through a family relationship or household member
Questions regarding this matter may be directed to Robert S***, Assistant Vice President, Security Operations Center, at ###-###-#### (please choose option 4), between the hours of 8:a.mand 5:p.m., Eastern 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 ***.We have reviewed *** ***’s concerns and found that the credit card account at issue was
reflected twice on her *** credit fileWe have requested that *** remove the duplicate reporting.Should *** *** have additional questions, she may contact Consumer Servicing Legal Liaison Carrie M*** by calling ###-###-####MsM*** is available between the hours of 8:a.mand 4:p.m., weekdays

The following references the complaint we received on October from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of *** Navy Federal has thoroughly reviewed *** ***’s concern regarding her and
*** ** ***’s mortgage application. During the application review it was determined that Navy Federal incurred a loss through a previous account relationship with the co-applicant. It is Navy Federal’s policy not to extend further credit to members that cause our membership a loss. A formal denial letter was mailed on October 2016. We have refunded *** ***’s expenses of $531.90, which she incurred during the process. Should *** *** have any further questions she may contact Heather S***, Supervisor, Pensacola Mortgage, at ###-###-####, extension ***, between the hours of 7:a.mand 4:p.m., Central time, weekdays

This is in reference to complaint ID number ***, which was received by Navy Federal on July 2015, submitted by our member, *** ** ***
Navy Federal has thoroughly reviewed our member’s concernsOur investigation was completed on July and a written notice was sent to ***
*** to advise of the decision of the claim
The claim was denied because through our investigation we concluded that no error occurred based on our analysis of the member’s account activity
Questions related to this claim can be directed to Amanda D***, Supervisor, Card Fraud Prevention Recovery, at ###-###-####, between the hours of 7:a.mand 4:p.m., Eastern time, Monday through Friday

The following references the complaint we received on January from the Revdex.com on behalf of Navy Federal member *** A***. The complaint was assigned an ID number of *** We have thoroughly reviewed Ms***’s concerns. According to our
records, Ms*** contacted us by telephone on January in regard to the return of an Automated Clearing House (ACH) debit that had been presented for payment to her business checking account on January and the return of a check that had been presented for payment to the checking account on January 2017. Ms*** acknowledged that the return of the check was valid, but wanted to dispute the return of the ACH. According to our records, the branch Member Service Representative (MSR) provided Ms*** with correct information Although no Navy Federal error occurred, as a courtesy, we have refunded $to Ms***’s checking account as reimbursement for the returned item fees charged for the return of the ACH debit and the check. However, future returned item fees will not be refunded unless they were incurred due to a Navy Federal error Based on our review of the telephone recordings, we believe that both supervisors maintained a courteous attitude when speaking with Ms***, and we regret that Ms*** feels otherwise. Should Ms*** have any questions, she may contact Jamin O***, Manager, Buckhead Branch, toll-free at ###-###-####, extension 28679, between 9:a.mand 5:p.m., Eastern time, Monday through 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 concern. The bill pay in
question was set up on February 2016, and a request to have a recurring payment created for this biller was completed on October 2016. After a thorough investigation, Navy Federal does not find this transaction to be unauthorized If Mrs*** has further questions, she may contact us at ###-###-####; our representatives are available hours a day, seven days a week

[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 October from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of *** Navy Federal has thoroughly reviewed *** ***’s concern regarding her and
*** ** ***’s mortgage application. During the application review it was determined that Navy Federal incurred a loss through a previous account relationship with the co-applicant. It is Navy Federal’s policy not to extend further credit to members that cause our membership a loss. A formal denial letter was mailed on October 2016. We have refunded *** ***’s expenses of $531.90, which she incurred during the process. Should *** *** have any further questions she may contact Heather S***, Supervisor, Pensacola Mortgage, at ###-###-####, extension ***, between the hours of 7:a.mand 4:p.m., Central time, weekdays

The following references the complaint we received on February from the Revdex.com on behalf of Navy Federal member *** ** *** The complaint was assigned an ID number of ***
Navy Federal has thoroughly researched Ms*** concerns The Navy Federal Home Equity
Line of Credit (***) account ending in *** was not included in the foreclosure process due to the property’s value As a result, the *** was charged to our reserves on February
We have reviewed our member’s tradeline with the four nationwide credit reporting agencies and verified it is reporting correctly
An *** Form 1099-C was sent to Ms*** regarding the sale of the property
Should Ms*** have additional questions, she may contact *** *** *** *** *** ***, at *** *** *** Ms*** is available from 8:a.mto 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:NFCU did receive documents in February and MarchThey acknowledged it in June that they received those items Megan F* Dispute Resolution Representative stated that the documents were insufficient to warrant a non reversal of my provisional credit NFCU stated that I had possession of the UHAUL vehicle so therefore they could charge me This is inaccurate and wrong because the recovery authorization letter states that I wanted my contract cancelled, to not charge my account and to recover the vehicle at specific address After days in the hospital they still had not recovered the vehicle and I contacted NFCU Each time NFCU has made a statement about what was needed I provided to them and they refuse to acknowledge or invent another reason why they can not assist me.So again, documents prove that NFCU's statement about faxes and phone calls before March are inaccurate The phone records and faxes do not lie I prepaid for my rental with another credit card, and the second contract amount was INVALID (fraudulent) as I have stated from day one Yet NFCU still insists that I am the one that has erred not them UHAUL fully refunded the missing amount as of yesterday and I provided NFCU with the transaction number but they are still refusing to acknowledge my callsThis am they blocked both my phone numbers from making calls into their call center I had to use a family members phone to get through When I got through they claim they were not blocking my number My phone carrier says the block is on their end not mine So this is the type of harassment, unprofessional behavior and unethical behavior that the staff at NFCU that I have endured since day one. They make claims and assertions that are contradicted and they are still refusing to reverse all the errors in my account
Regards,
*** ***

This is in reference to the follcomplaint we received on May from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was originally assigned an ID number of *** Navy Federal has reviewed our member’s concerns. As we stated in our previous response, *** *** is encouraged to dispute the information at issue and he may do so by writing Early Warning Services, LLC. The firm’s contact information is: Early Warning Services, LLC ATTN: Consumer Services *** * *** *** *** *** Scottsdale, AZ *** Telephone No.: ###-###-#### Fax No.: ###-###-#### Should he have any questions, he may contact Robert S***, Assistant Vice President, Security Operations Center, at 1-888-842-NFCU (6328) between 8:a.mand 5: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 Administratively Resolved]
Complaint: ***
I am rejecting this response because:
Although Navy Federal has provided the contact info of the attorney in this matter, this does not change the fact that I was damaged during this incident, and further suffered losses to the inadequacy of Navy's responses until they were forced to make a responseFurther, I am now further forced to pay for Navy's inadequacies and inappropriate behavior by now paying my attorney further to negotiate a resolution which could of been handled in any time during the past two plus yearsFurther, Navy is insinuating that I have "defaulted", I did not default on this loan, it was part of a legal bankruptcy process, wherein the court found in my favor, and I was afforded the protections of the US Bankruptcy codeNavy has consistently disregarded my concerns and communications, has damaged me, and has repetitively disregarded the protections afforded to me under the bankruptcy code and the FCRAI find it very distasteful that Navy cannot step up and admit that they have not handled this appropriately (let alone most likely in an illegal manner) and further continue to color the situation in such a manner that makes me sound like an irresponsible consumer who has just defaulted on a loan and they are really just the victims of an angry person that doesn't pay their billsI was an excellent customer to Navy until I had a catastrophic business failure, that was no fault of my ownNavy has clearly constructed a culture which "kicks you while you are down" and deals inadequately and improperly with consumers, who for whatever reason cannot meet their obligations, or are afforded the protections of the bankruptcy codeI don't think this an isolated incident according to various other complaints, which I have observed, which are in what seems very similar situations
Regards,
*** ***

The following references the follcomplaint 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 regarding his credit card account. On April 2014, we charged $to our reserves due to non-payment. Our member satisfied the outstanding balance on June and we submitted a request to the four nationwide credit reporting agencies to update the tradeline On July 2017, we reviewed our member’s Navy Federal tradeline, verified that his account is reflecting correctly as a charge-off loan that was paid in full, and determined no adjustment is necessary If *** *** would like to discuss this matter further, he may contact MrsB*** Assistant Supervisor, Recoveries, at ###-###-####, extension ***, between the hours of 8:a.mand 4:p.m., Eastern time, weekdaysTell us why here