Timothy E. Lynch, Inc.

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

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

[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 ***

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thorough investigation, we concluded that no error occurred based on account activity Funds were withdrawn from Ms***’ savings and checking accounts to reduce the overdrawn amount on Mr***’s account, in accordance with the Joint Ownership section of Navy Federal’s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

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

[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,
*** ***

[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,
*** ***

[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 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

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

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

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 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)

[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 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

[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,
*** ***

[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 May 2016, submitted by our member, *** ** *** We have thoroughly researched the concerns presented in our member’s complaint regarding her fraud claim for Navy Federal Platinum *** credit
card number ending in *** After a thorough investigation, we concluded that no unauthorized use of *** ***’ credit card occurred. Therefore, we denied her fraud claim. On May, a Credit Card Claim Denial letter was sent to her address on record. *** *** returned our May voice message on May and was informed of the reasons why we were unable to honor her claim. With no new information to counter our findings, our determination remains the same If *** *** has any questions, she may contact Justin L***, Card Fraud Prevention Recovery Specialist, at ###-###-####, extension ***, between the hours of 7:a.mto 3:p.m., Central time, Monday through Friday

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 ***
We have reviewed *** ***’s concerns and have written to her directly to address
this matter We regret any inconvenience she was caused, and invite her to contact us using the information provided in our letter should she have any additional concerns

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