Timothy E. Lynch, Inc.

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 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 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 first payment to Navy Federal was due on November
*** *** is responsible for making payments to the loan *** ***’s loan payment is due on the 22nd of each month, and is currently past due for his February and March due dates This is a valid debt and failure to make on-time payments in the past has resulted in delinquent reporting to the credit bureaus If payments are not received by the payment due date, Navy Federal is permitted to transfer funds from other accounts owned by the member to correct the amount owed Navy Federal reports accurate information to the credit reporting agencies and will not remove valid information
Should *** *** have additional questions, he may contact our Consumer Lending Department at 1-888-842-NFCU (6328) Representatives are available to assist him hours a day, 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,
*** ***

[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,
*** ***

[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: I received the loan check finally on 7/18/dated 5/25/The loan documents states a payment is due on 7/22/not even days after the loan check was received.
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 as Answered]
Complaint: ***
I am rejecting this response because:I called Navy Federal Credit Union and reported the card as lost back in June of I received a new card a week later, tried to activate it and was told the account was frozen due to suspicious activity I was also told I needed to go to a Branch to reestablish my identity I live upstate NY where no Navy Credit Union exists I traveled on military duty in July of to Jacksonville FL At that time I found a Navy Branch and reestablish my identity My new card was finally activated and good to use Finally in September of 2016, I called Navy to make a Credit Card payment I was told I needed to find a Branch and reestablish my identity I'm confused as to why I need to reestablish my identity so much and why I can not make a payment to my credit card I recently telephoned Navy and made my credit card payment over the phone using my checking account However my account is currently frozen due to "suspicious activity"Regards,*** ***

This is in reference to a follcomplaint submitted by Navy Federal member, *** ** ***, ID number ***
As advised in our previous response to the Revdex.com on August 2016, as well as by letter sent directly to *** *** on September, Navy Federal acted in accordance with our procedures when handling *** ***’s dispute claimShe has received a full refund from the merchant which has been credited to her account at Navy Federal, and we have communicated directly with her regarding her access to our Contact CenterWe consider this dispute closed and Navy Federal will take no further action regarding this dispute

This is in reference to a follcomplaint, ID number ***, which was submitted by Navy Federal member, *** ***
According to our records, *** *** was able to reach our Contact Center Resolution Specialist, Matthew K***, by telephone on March MrK*** requested that *** *** provide documentation for fees which she has incurred as a result of this matter Once our member has contacted us with this information, we will be glad to review the account for possible reimbursement of funds

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. Through our review of *** ***’s credit report with
the four major credit reporting agencies, we have verified that her Navy Federal accounts are reporting correctly; three Navy Federal consumer loans and two Navy Federal credit card accounts are reporting as charged off accounts that were sold to *** *** in 2012. Navy Federal is required to report fair and accurate data to the major credit reporting agencies. If *** *** feels that her Navy Federal tradelines are not reported correctly, she may send us a detailed letter with any supporting documentation by fax to Credit Dispute Department at###-###-####, or by mail to PO Box ***, Merrifield, Virginia ***. Should *** *** have any questions, she may contact us at 1-888-842-NFCU (6328), hours a day, days a week.

This is in reference to complaint ID number ***, which was received by Navy Federal on February 2016, submitted by our member, *** ** ***
We have researched *** ***’s concernsOn February 2016, a debit card fraud claim was filed by our member via Navy Federal’s
Online Account Access in the amount of $1,After a thorough investigation we determined that no error had occurred, and the fraud claim was deniedOur letter dated February was mailed to *** ***’s address of record to advise him of the status of his claim
Questions regarding this matter may be directed to Amanda D***, Supervisor, Card Fraud Prevention Recovery, at ***, extension ***, between the hours of 7: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 June 2016, submitted by our member, *** ** ***
We have thoroughly researched the concerns presented in our member’s complaint regarding the Optional Overdraft Protection Service (OOPS) fees
assessed to her checking account We have determined the fees were assessed correctly
We have previously waived valid OOPS fees for *** *** on July 2015, July and October As a final courtesy, on June we credited *** ***’s account a total amount of $for the two $fees assessed on May In the future, we are unable to waive any additional fees, unless due to a Navy Federal error
Navy Federal's nightly processing is between the hours of 12:a.mto 6:a.m., Eastern time, Monday through Friday, excluding Federal Holidays During this processing time transactions are posted To avoid fees, sufficient funds should be on deposit and available for use before issuing payments or authorizing transactions In order to keep an accurate balance, members are encouraged to monitor their accounts to ensure that outstanding transactions have posted If any transactions have not cleared and members continue to make transactions without sufficient funds, they are responsible for any fees assessed
If *** *** has any questions, she may contact Patricia W***, Savings and Checking Operations Specialist, at ###-###-####, extension ***, between the hours of 6:a.mto 4:p.m., Central time, Monday, Wednesday, Thursday and Friday

This is in reference to the follcomplaint we
received on October from the Revdex.com on behalf of Navy
Federal member *** ** ***. The
complaint was originally assigned an ID number of ***.We have reviewed *** ***’s account and have confirmed
that no interest charges were assessed on her credit card account while her
dispute was in processAs stated in our previous response to *** ***’s
complaint, on October, our representative left a voice mail message for Ms
K*** on her home phone number of record advising her that a credit had been
applied to her account for the charge she was disputingWe regret that this
message was not receivedWe continued our efforts to contact *** *** and
left additional messages on her number of recordWe responded to her social
media posts, asking for alternate contact information, since our attempts to
speak with her had been unsuccessfulOn October, *** *** submitted a
message through Navy Federal’s secure eMessage channel regarding her concerns;
we issued a response to her message that dayWe ask that *** *** review this
response by logging in to her Navy Federal Online Account Access*** *** noted in her complaint and on Navy Federal’s
social media page that she made requests via her social media posts for the
name of the Navy Federal employee who responded to her postsWe explained in
our eMessage response to *** *** that it is Navy Federal’s current policy to
not disclose employee’s names or phone numbers on social media pages due to
privacy and security concernsHowever, we provided *** *** with the name and
direct phone number for a specialist in our eMessage response on October.Should she have additional questions, our Contact Center
representatives are available to assist her hours a day, seven days a week,
and may be reached by calling *** ***

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 *** *** ***’ concernsOur
records show *** *** *** applied for a mortgage loan on November 2017. Our member agreed to the credit inquiry at the time of the application. Navy Federal reports accurate information to the four nationwide credit reporting agencies and will not remove valid information Should *** *** *** have additional questions, she may contact La Tawnya B***, Regional Manager, Field Mortgage, at ###-###-####, extension ***, between the hours of 8:a.mand 5:p.m., Eastern time, weekdays

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 ***
We have thoroughly researched Ms***’ concern regarding her account at Navy
Federal On November, we placed a provisional credit in her checking account for the amount of her claim, $ A provisional credit allows Ms*** access to the funds while her claim is being researched We will notify Ms*** of our findings upon completion of our investigation
We have issued Ms*** a ***, which will allow her to access her funds via an ATM
Should Ms*** have any questions, she may contact Amanda D***, Supervisor, Card Fraud Prevention Recovery, at ###-###-####, extension 43711, between the hours of 7: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 April 2016, submitted by our member, *** ** ***
We have thoroughly researched the concerns presented in our member’s complaint regarding his identity theft fraud claim received on August
After a thorough investigation, we determined this was not a case of identity theft During the investigation, several attempts to contact *** *** via the telephone number provided on his claim were unsuccessful Based on information obtained from the Columbus Ohio Police department, documents provided to Navy Federal at the time *** *** established his accounts, his signature of record, and the verification of his date of birth, Social Security Number, and one of two known addresses, his claim was denied *** *** is responsible for the outstanding balances on his Navy Federal loan number ending in and his credit card account numbers ending in *** and *** The accounts 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: Hi-I thought I submitted response, but perhaps it was the IT system errorI would also like to provide attached supporting documentationAttached you will find my repeated appeals ignored by NFCU until VA intervened on my behalf in the attached . Unfortunately, by that time I incurred a lot of stress and spent thousands of dollars on unnecessary repairs.Based on the attached evidence and additional facts, I disagree with NFCU's response. Also, I still have not received a professional Boundary Survey. One that was send, while improved, still has fundamental errors.Thank you again for this rectitude.V/R***
*** *** ** ***, *** *** ***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 ***.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,
*** ***

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 concernTell us why here

This is in reference to complaint ID number ***, which was received by Navy Federal on July 2015, submitted by our member, *** ***
We have researched the concerns presented in our member’s complaintOn June 2015, Navy Federal received a fraud claim for unauthorized charges to
Ms***’s checking accountOn June, a provisional credit of $was posted to the account and a letter advising our member of the action taken was mailed to her address of recordOur member was advised verbally and in writing that the provisional credit would be removed if the merchant also submits a credit to her accountOn June, merchant credits of $and $were received and posted to the accountSince this resulted in the amount of $being credited to Ms***’s account twice, one credit of $was debited from the account
Our member visited our Murrieta Branch on July to discuss this matter, and our representative attempted to contact Ms*** later that day to advise her that, in order to assist her, the limit of her Optional Overdraft Protection Service (OOPS) may be temporarily extended on the checking accountUnfortunately, our attempts to reach our member by telephone have been unsuccessfulAs a courtesy, on August we refunded OOPS fees totaling $If Ms*** would like to take advantage of a temporary limit increase, she may contact us toll-free at ###-###-#### (***) and ask to be transferred to our Murrieta Branch, between the hours of 9:a.mand 5:p.m., Monday through Friday, and from 9:a.mto 2:p.mon Saturday

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 concerns. On June, ***
*** requested that we increase the credit limit of her shares secured *** credit card account to $2,700.00. The credit limit increase was approved and the appropriate hold was placed on the additional funds in her savings account. On August and August, our member spoke with representatives regarding a payment plan to repay an over-limit amount on her credit card account and the funds on hold to secure the credit limit on the account. The amount of the hold was not increased when the account exceeded the approved credit limit, nor were any additional holds placed on any other accounts. The hold on the shares-secured funds for the credit limit of $2,will remain in place for the duration of the credit card balance. Once the balance is reduced, *** *** may request a lower credit limit and the appropriate portion of funds in her savings account would be released If she has any questions, *** *** may contact John P***, Assistant Manager, Credit Card Servicing, at ###-###-####, extension ***, between 8:a.mand 4:p.m., Eastern time, weekdays