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 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

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 our member’s concern Navy Federal received a fraud claim from *** *** on October After a
thorough investigation, we concluded that no error occurred based on account activity Funds were withdrawn from Ms***’ savings and checking accounts to reduce the overdrawn amount on Mr***’s account, in accordance with the Joint Ownership section of Navy Federal’s Membership/Savings/Checking Disclosure Statement (copy attached)
Questions regarding this matter may be directed to Jimmy R***, Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension 70067, between the hours of 7:a.mand 3:p.m., Central time, Monday through Friday

[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,
*** ***

[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,
***l ***

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. Our records indicate
that Ms*** has not provided all the required documents required to validate her current address and her membership eligibility.The $fee for expedited *** shipping requested by Ms*** for her credit card and the interest that had accrued on her credit card have been refunded. In addition, we have sent a request to the nationwide credit reporting agencies to remove the delinquent reporting of Ms***’s credit card from her credit file. Please note, it make take the credit reporting agencies up to days to have this update reflected on our member’s credit file. On December, Navy Federal attempted to speak with Ms*** regarding her credit and debit cards, but we were only successful in leaving a voicemail requesting she call us back. Ms***’s cards are now available for use. Once all documents have been received, Ms*** may contact our Collections Department at ###-###-#### to inquire about having the late mark removed from her credit report

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 reviewed Mr***’s concerns. Our records
show our member’s refinance request was submitted on September and was approved on November 2017. We sent an update to the four major credit reporting agencies on November to remove the late history for September 2017. An additional update was sent to the credit reporting agencies on February to remove any subsequent late history that was reported from September through November 2017, at which time the loan was paid in full. Please note, it may take up to days for the updates to reflect in Mr***’s credit file Should Mr*** have additional questions, he may contact *** ***, *** *** *** *** ***, at ***, extension ***, between the hours of 8:a.mand 4:p.m., Eastern 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 12004876. Navy Federal has thoroughly reviewed our member’s concerns. Our review
determined that Ms*** opted in to our Optional Overdraft Protection Service (OOPS) for her checking account on September 2015. Our OOPS feature allows overdrafts on checking accounts, up to a limit of $500.00, to be paid. Each time funds from OOPS are used, a $fee is assessed. Navy Federal will only charge a maximum of three fees in one day; if overdrafts exceed three in a day, the account remains open, but no additional fees will be charged. On each of the dates in question, Ms*** had multiple debit card transactions post to her account, in addition to ATM withdrawals, which resulted in multiple OOPS fees. Each fee charged to Ms***’ checking account was valid. We will not refund the valid fees that were charged. If Ms*** finds that OOPS is not suitable for her needs, she may opt out of the service at any time. We encourage her to maintain a register of all of her transactions. Should she have any questions, Ms*** may call *** ***, Savings and Checking Operations Specialist, at *** *** ***, between 7:a.mand 4:p.m., Eastern time, weekdays

The following references the complaint we received on May 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. When a
loan for a used vehicle is issued for less than $3,000.00, the maximum term limit is normally months. However, since *** *** *** requested a 60-month loan and had budgeted accordingly, as a courtesy, we have adjusted his loan. The loan now reflects monthly payments of $55.63; a new Promissory Note reflecting the changes has been sent directly to our member. Should he have any questions, he may contact Janice D***, Supervisor, Loan Officer, at ###-###-####, extension ***, between 7:a.mand 4:p.m., Eastern 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.
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 our member’s concernsOur records indicate that ***
*** was issued a used vehicle loan on February When the loan became past due in 2012, we advanced the payment due date so that her allotment would maintain the account in a current statusHowever, at that time, two overdrawn checking account balances in our member’sname had been charged to our reserves; therefore, in accordance with our procedure to reduce the amounts of the losses suffered by our membership, a portion of the allotment funds was credited against the overdraftsIn addition, funds in our member’s savings account were withdrawn which prevented those funds being transferred to the loan.On May 2014, *** *** advised us that the collateral which secured the loan had been declared a total loss after being involved in an accidentAlthough insurance proceeds of $8,were credited to the loan on May, the funds did not pay the loan offSince no funds were received after that date, the remaining loan balance was charged to our reserves on January Weverified that we reported accurate information to the credit bureaus; therefore, we will not request a change to *** ***’s credit reportShould she have any questions, *** *** may call Wade P***, Assistant Manager, Recoveries,at ###-###-####, extension ***, between 8:a.mand 4:p.m., weekdays

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

This is in reference to complaint ID number ***, which was received by Navy Federal on April 2016, submitted by our member, *** ** ***
We have thoroughly researched the concerns presented in our member’s complaint regarding his Navy Federal vehicle loan number ending in ** opened
March On October 2015, we received a letter from *** regarding *** ***’ claim of identity theft Included with their letter was an Albuquerque Police Summary Incident Report After a thorough investigation, we determined that this was not a case of identity theft Our records show that on March 2014, *** *** established Navy Federal Membership Savings and e-Checking accounts Based on documents provided to Navy Federal at the time *** *** established his accounts, his signature of record, and the verification of his date of birth and addresses, his claim was denied *** *** is responsible for the outstanding balance on his loan The account will continue to be reported to the credit reporting agencies accordingly
If *** *** has any questions, he may contact Jimmy R***, Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension ***, between the hours of 7:a.mto 3:p.m., Central time, Monday through Friday

[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 not made any payments on this accountI had no knowledge of this account no matter how long this account has been openedI have spoken to Navy when I first found out this account was opened and all they did was put the blame on meAs stated before I only want to talk in writingI filed a police report and provided proof of theft and they are determining this as not fraudI have provided them with an email address and mailing address to send me proof of this loan with my signaturethis has been going on too long with Navy breaking all laws and credit rulesProvide me the documents in an email or to my mailing address and if this can not be provided then they will have to remove the items from my credit reportthis is the credit law that they have been breaking constantlyProvide me with documentation or remove the accountStop saying you disapprove my claim and provide me with evidence of this transaction with my signature
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 is committed to assisting our member*** *** can contact MrsG*** at
###-###-####, extension ***, between 8:a.mand 4:p.m., Eastern time, weekdays, to provide the necessary information for further processing of his claim.Regarding *** ***’s credit report, we have confirmed that we reported the accounts correctlyFinally, we can also confirm that the duplicate trade lines for the three consumer loan accounts have been removed from his credit report

[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: On February a representative of the NFCU gave me the option to create a code wordbut after creating it, he told me it was not sufficient to have access to my bank account even when I answerd all their security questions correctly Nothing was good enough for them.When my daughter visited the bank and presented the general power of attorney, not only they did not honor it, but told her that if she wanted access to my account she need a power of attorney with the specifics authorizing her to do transactions in my name In my understanding a general power of attorney gives absolute power to all transactions; banks, properties, etc they also mentioned to me and my daughter that I have to go in person if I want access to my bank account This represent leaving my elderly mother by her self in Panama while I fly to the United States to take care of this problem, which I am not able to do at this time Please help
Regards,
*** ***

This is in reference to complaint ID number ***, which was received by Navy Federal on August 2017, submitted by our member, *** ***
We have thoroughly researched the concerns presented in our member’s complaint On July 2017, Ms*** submitted a dispute against *** *** ***
Due to a lack of supporting evidence that *** *** *** was responsible for the described damage, we concluded our investigation and sent a letter to Ms*** which explained that Navy Federal is unable to pursue a recovery on this claim After receiving supporting documentation, on August, we issued a provisional credit to Ms*** and submitted a chargeback to the merchant The merchant has until September to respond If Navy Federal is unable to recover the funds from the merchant, the provisional credit will be debited from our member’s account
We may require specific documentation to comply with requirements to establish membership eligibility We are awaiting documentation from Ms*** If she has any questions on the documentation required, Ms*** can contact *** *** ***, Membership Administration, at *** *** ***, between the hours of 7:a.mand 4:p.m., Eastern time, Monday through Friday
If Ms*** has any questions regarding her debit card dispute claim, she may contact Mr*** at *** *** ***, between the hours of 7:a.mand 3:p.m., Central 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 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 March from the Revdex.com on behalf of Navy Federal member *** *** ***. The complaint was assigned an ID number of *** Navy Federal has thoroughly reviewed *** *** ***’ concerns. Our records show Navy Federal made a single credit inquiry related to our member’s mortgage application that was submitted in November of 2017. *** *** *** may provide copies of her credit reports reflecting the inquiries in question so we may further review the matter. She may send the documentation to Navy Federal Credit Union, PO Box ***, Merrifield, Virginia, *** Should *** *** *** have additional questions, she may contact us at 1-888-842-NFCU (6328)

This is in reference to a follcomplaint, ID number ***, submitted by Navy Federal member, *** ** ***Josh L***, Assistant Manager, Credit Card Servicing, spoke with *** *** on February to discuss his concernsUpon further review of the circumstances, the amount of $was refunded to our member’s savings account on February in accordance with his requestIf *** *** has any further questions, he may contact MrL*** 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 *** We have thoroughly researched *** ***’s concern regarding his vehicle
repossession and determined that the repossession was conducted appropriately. A letter was sent to our member on May 2016, stating our intent to repossess the vehicle. The collateral was assigned for repossession on July. We received a payment of $on August; however, at that time, the past due amount was $987.90, of which $was due for his July payment Our records indicate that *** *** spoke to a Member Service Representative on August and there was a miscommunication concerning the repossession process. As a matter of member service, we are mailing *** *** a check to reimburse him for the costs associated with the repossession Should *** *** have further questions, he may contact MsC*** at ###-###-####, extension ***, between the hours of 8:a.mand 4:p.m., Monday through Friday In addition to his vehicle loan, *** *** has a personal expense loan that is currently past due by $68.42, with a payment due date of August 2016. He may call ###-###-#### between the hours of 8:a.mand 8:p.m., Eastern time, to schedule payments for that loan