Timothy E. Lynch, Inc.

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

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 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

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

[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,
*** ***

[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,
*** ***

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

[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,
*** ***

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

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

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

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

[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,
*** ***

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 June 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. According to our records,
*** *** has liquidated the balance of his charged-off credit card account. A request has been submitted to the four nationwide credit reporting agencies to reflect that the balance of the credit card account was paid as of June 2017. Please note that it may take up to days for the changes to be reflected on our member’s credit file Should *** *** have any questions, he may contact MrB***, Counselor, Recoveries Branch, at ###-###-####, between the hours of 8:a.mand 6: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: What they are saying isn't true I've reviewed my recordings of the calls and have came to a different conclusion All of the calls, including the one from Pensacola, Florida They are simply lying I give up I hope they fail If they would have never sold my mortgage, which they promised me they never have or never would do, part of the problem would be solved I'm glad as a Nurse of many years, I never treated a patient the way they have treated me
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

This is in reference to complaint ID number ***, which was received by Navy Federal on January 2016, submitted by our member, *** ** ***
We have researched *** ***’s concerns On December 2015, debit card fraud claims were filed by our member via Navy Federal’s Online Account
Access in the amounts of $and $146.49, for a total of $ After a thorough investigation we determined that no error had occurred, and the fraud claim was denied A Card Fraud Recovery Specialist spoke with *** *** several times throughout the investigation, and our letter dated December was mailed to *** ***’s address of record to advise her of the status of her claim
Questions regarding this matter may be addressed to Amanda D***, Supervisor, Card Fraud Prevention Recovery, at ###-###-####, extension ***, between the hours of 7:a.mand 5:p.m., Eastern time, Monday through Friday