Timothy E. Lynch, Inc.

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

[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: This matter is not and will not be closed. I have attempted to resolve this issue with Navy Federal Credit Union as well as Karen C***, Thomas H*** and Chip S***. Unfortunately, the problem remains unresolved due to ineffectiveness with the mentioned managers. Therefore, I will prepare another complaint for submission to other Federal agencies to conduct additional investigations into this matter. As well as submit the correspondence this far to the attention of CEO Cutler D*** as well as the media.
Again, Navy Federal has violated the original terms of the loan agreement by accepting payments from me other than the original due date that the loan contract states. I have given Navy Federal a chance to correct their wrongdoing by refunding me the $for the repossession that was conducted in a illegal manner as well as removal of the repossession from my credit report. It is imperative that consumers are protected to prevent future and current members being victimized by such predatory practices. This matter will continue to be brought to light for such abusive, unfair, deceptive and fraudulent practices by Navy Federal and the mentioned managers. I must also mention that as of September 7, 2016, I have not received the partial reimbursement of $that Navy Federal agreed to mail to my address of record. I have not received the letter in writing as of September 7, 2016, that the repossession has been removed from my credit report. 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

The following references the complaint we received on 20 July 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. Based
upon the copies of the sale receipts and his transaction history with the merchant in question, we are unable to assist *** *** with his claim. On March 2015, we sent him a letter advising that we were unable to pursue his dispute claim. In addition, on April, a representative advised our member that we were unable to assist him Our position remains the same.Should *** *** have additional questions, he may call Monique D***, Supervisor, Credit Card Servicing, at ###-###-#### between 8:a.mand 4:p.m., Eastern time, 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 *** *** ***’s concerns.
Provisional credits for our member’s two dispute claims were credited to her account while we research her claims Our records show the members *** *** *** referred to Navy Federal did not enter the online referral code when submitting their online applications in February 2018; therefore, their new membership accounts did not receive the promotional credit. We have added the promotion information to their accounts and credited *** *** ***’s account and the referred members’ accounts with the $promotional incentive Should *** *** *** have additional questions, she may contact Scott Holder, Supervisor, Debit Card Disputes, at ###-###-####, extension 74734, between the hours of 7:a.mand 3:p.m., Central 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 the concerns presented in our member’s complaint Navy 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 experience On 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 occurred Our 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

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 concernsOn 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 deniedA 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

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
November, Matthew K***, Resolution Specialist, contacted Colonel *** and explained the requirements for a Navy Federal Active Duty checking account which include the receipt of the member’s net direct deposit military pay into the account. Since Colonel *** did not want to have his net pay directly deposited to Navy Federal at this time, MrK*** offered other checking account options. Unfortunately, none would satisfy our member’s current needs. MrK*** also advised that the Active Duty checking account will be automatically converted to an Everyday checking account since Colonel ***’s net pay is not being received

The following references the complaint we received on April from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of ***. On April, Keith H***, Supervisor, Mortgage Default Management, spoke with our
member regarding his concerns. *** *** advised him that Form 1099-C had been received on April. Navy Federal strives to provide efficient service at all times and we regret that **and *** *** were not afforded such in this instance. Should the *** have any other concerns, they may call MrH*** at ###-###-#### between 8:a.mand 4:p.m., Eastern time, weekdays

This is in reference to a 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 our member’s concerns. Navy Federal receives
and processes legal attachments on members’ accounts, including administrative child support orders from state agenciesOn August 2017, Navy Federal, in compliance with an administrative child support order and federal regulations governing protected funds, processed a payment from Mr*** savings account to the California Department of Child Support Services If Mr*** has any questions, he may contact *** *** *** *** *** *** *** ** *** *** *** between 8:a.mand 4:p.m., Eastern time, Monday through 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 On August, *** *** telephoned our Contact Center and
was properly informed on each of Navy Federal’s credit card products Our member was then asked which credit card he would like to apply for *** *** chose to apply for Navy Federal’s cashRewards ***; he provided his authorization for a credit inquiry to determine creditworthiness
Through our review of this matter, we concluded that our representative correctly followed procedures The decline of *** ***’s credit card request was justified and accurate based on our underwriting criteria for these products The credit inquiry will remain on his credit bureau report We regret a more favorable decision could not be reached
If *** *** has any questions, he 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 response to the complaint we received on September from the Revdex.comon behalf of *** ** ***The complaint was assigned an ID number of ***. According to our records, *** *** filed a dispute regarding a credit card transaction***
***'s disputeinvolved the non-receipt of merchandiseWe have reviewed *** ***'s case and issued a credit to her account for $as a member service courtesyOn 2October 2015, we left a message on our member’s phone number advising that we have issued a member service credit of $ Follquestions should be directed to Chasity W***, Supervisor, Credit Card Servicing, by calling ###-###-#### between the hours of 8:a.mand 4:p.m., Central time,Monday through Friday

The following references the complaint we received on April from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of *** Navy Federal has thoroughly reviewed our records concerning our member’s
consumer loan and credit card account. On April, we advised *** *** that because we had extended the terms of his accounts in October 2015, additional assistance would need further approval. We typically do not approve more than one extension during a 12-month period. In October 2011, July and October 2015, we assisted *** *** with his consumer loan; in July and October 2015, we provided assistance with his credit card account. Since we last assisted *** ***, two payments have been made to the credit card account and one full payment has been made to the consumer loan After reviewing all of his accounts in accordance with our procedures, including repayment history, deposit history and his reason for needing the extensions, we denied *** ***’s most recent extension request because his accounts became delinquent again after we provided assistance less than months ago, on October 2015. While we sympathize that his accounts became delinquent because of moving expenses and lack of payment from a place of employment, we are unable to accommodate his request for payment extensions We recommend that our member contact our Personal Finance Management personnel at ###-###-####; our staff is available between 8:a.mand 8:p.m., Eastern time, weekdays. If *** *** has further questions regarding our decision as to his extension request, he may contact Greg G***, Manager, Late Stage Collections, at ###-###-####, extension ***, between 8:a.mand 5: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 concerns. Michelle
B***, Fraud Investigation Specialist, spoke with *** *** on October. Due to suspicious activity, a restriction was placed on our member’s account. While the restriction was in place, the member continued to have access to the deposited funds available in his account. The restriction has since been lifted and *** *** has full access to his account On October, the $6,check our member deposited on October was returned unpaid. The $6,was deducted from his account as was a returned deposit fee of $15.00. Should *** *** have any questions, he may contact Robert S***, Assistant Vice President, Security Operations Center, 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:
Navey fed said they were not mine THATS Y THEY STOPPED PYMTOK Y DID THEY STOP PYMT ON IT IF I WANTED TO PAY THEM THAT MAKES NO SINCEI TRIED TO STOP PYMENT CAUSE I DID NOT SET UP YHE PAYMENT AND THE PROFF OF THAT SHOULD Be that I tried to stop payment on itEven they say that.
Regards,
*** ***

The following references the complaint we received on April from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of *** Navy Federal has thoroughly reviewed *** ***’s concerns. As we stated in our prior response, Navy Federal completed its merger with *** *** *** Credit Union in September and provided notice to the *** *** membership that all accounts and loans would be transferred to Navy Federal. We mailed a letter to our new members advising them of the changes to their loans, including that due dates have changed In order to accommodate the former *** *** members, Navy Federal made the first loan payments to Navy Federal due in November, permitting our new members to skip the October payment if they wished, allowing them to continue to make payments on the day of their choice, as long as the payment was satisfied by the new due date. *** ***’s consumer loan payment is due on the 22nd of each month. *** ***’s first payment to Navy Federal was due on November 2017. This is a valid debt and *** *** remains responsible for its repayment. *** ***’s consumer loan account was an individual account when it was transferred from *** *** *** Credit Union and remains an individual account. We confirm that a joint owner is reflected on *** ***’s savings and checking accounts A credit for $was issued to *** ***’s checking account on March for a debit card dispute our member initiated with *** *** *** Credit Union that was not fully processed by the financial institution. This was not a Navy Federal error Should *** *** have additional questions, he may contact Navy Federal at 1-888-842-NFCU (6328). Representatives are available to assist him hours a day, days a week

This is in reference to a follcomplaint, ID number ***, submitted by Navy Federal member, *** ** ***
Navy Federal has addressed *** ***’s concern in our previous responses to his Revdex.com complaint on and February As no new information has been provided by our member, our position in this matter remains unchanged

Tell 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 attempted to contact *** *** regarding this matter by calling the phone number
provided in his complaint, ###-###-####, as well as the phone number we have on file for our member Unfortunately, we have been unable to reach him or leave a message using either number However, we have researched the issue and have confirmed that the accounts mentioned in his complaint are no longer being reported to nor is there any record with the credit reporting agencies
We are happy to discuss this matter with *** ***, and ask that he contact MsK***, Recoveries Supervisor, at ###-###-####, extension ***She is available between the hours of 8:a.mand 4:p.m., Monday through Friday

The following references the complaint we received on August from the Revdex.com on behalf of Navy Federal member Valerie Woody. The complaint was assigned an ID number of *** We have conducted a thorough review of *** ***’s concern regarding her GO Prepaid
Card. Due to suspicious activity on *** ***’s account, her GO Prepaid Card was closed; however, the replacement card requested by our member was never ordered. When *** *** called Navy Federal to inquire as to the whereabouts of the replacement card, a new one was ordered and sent, but subsequently cancelled inadvertently. *** *** was contacted by Ryan S***, Supervisor, Debit Card Services, on August 2016, who discussed the suspicious activity on her GO Prepaid Card and the credit that had been made to that cardIn addition, our member was offered a $Loyalty card as a goodwill gesture. The Loyalty card was mailed to our member on August. *** *** was satisfied with this resolution to her concern Tell us why here

The following references the complaint we received on April from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of ***. On April, Keith H***, Supervisor, Mortgage Default Management, spoke with our
member regarding his concerns. *** *** advised him that Form 1099-C had been received on April. Navy Federal strives to provide efficient service at all times and we regret that **and *** *** were not afforded such in this instance. Should the *** have any other concerns, they may call MrH*** at ###-###-#### between 8:a.mand 4:p.m., Eastern time, weekdays