Timothy E. Lynch, Inc.

[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

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

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

[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, 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

[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 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: There was more than enough time and phone calls made to the credit union to stop excess over draft feesI spoke with at least representatives that were playing the I'm not at liberty to discuss the account with you because my name isn't on the account so at least half of those fees could have been avoided if not all so I'm bi satisfied with this response.
Regards,
*** ***

This is in reference to complaint ID number ***, which was received by Navy Federal on February 2016, submitted by *** ** ***
We have thoroughly reviewed *** ***’s concern According to our records, *** *** was added as authorized user to credit card xxxx-xxxx-xxxx-*** when the
account was established His name was removed from the account at the request of the primary account holder on October At that time, Navy Federal sent a request to the credit reporting agencies to update *** ***’s credit report to show his relationship terminated from the account We report accurate and complete information for authorized users, and we have verified that the information is accurately reflected on the report
Questions regarding this matter may be directed to Carrie M***, Legal Liaison, Consumer Servicing, at ###-###-####, extension ***, between the hours of 8:a.mand 4:p.m., Eastern time, Monday through 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 *** ***

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

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*** concerns. During the
application process, Mr*** selected a 15-year bi-weekly refinance option; not the cash-out refinance option. The rates and discount points were quoted for the product Mr*** selected. Navy Federal is currently working with our member on his active mortgage loan application to identify a product with terms and conditions that fit our member’s needs Should Mr*** have additional questions, he may contact *** *** *** *** *** ***, at ***, extension ***, between the hours of 9:a.mand 6:p.m., Central time, weekdays

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 matterOnce 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 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

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

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 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. *** *** was added
as an authorized user on June to *** ***’s *** account. On October 2016, *** *** was removed from the credit card account ending in *** and this change in status has been submitted to the credit bureaus. It may take up to days for the update to be completed*** ***’s credit report will continue to reflect the tradeline concerning the *** account. As an authorized user, *** *** was never responsible for the repayment of the credit card balance Should *** *** have any questions, please contact Joanna W***, Supervisor, Credit Card Servicing, at ###-###-####, extension ***, between 7:a.mand 3:p.m.,Central time, weekdays

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 member’s concernsWe strive to provide courteous service at
all times and we regret any frustrations Staff Sergeant *** experienced when he called on March.Our investigation revealed that Staff Sergeant *** was in possession of his *** Check card throughout the time frame in question, and that the disputed transactions were card present transactionsWe have also reviewed Staff Sergeant ***’s transaction history and, based on the facts surrounding the use of our members *** Check card, we found that our member benefited from the transactionsUnder the circumstances, we found that no error had occurred and we have denied our member’s claim.Should Staff Sergeant *** have any additional questions, he may call Amanda D***, Supervisor, Card Fraud Prevention and Recovery, at ###-###-#### between 7:a.mand 4:p.m., Eastern 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 ***. We have thoroughly reviewed *** ***’ concern regarding his credit card
account. The Navy Federal promotion for which the cardholder was solicited offered a 2.99% Annual Percentage Rate (APR) for months on balances transferred from other card issuers to the cardholder’s *** Signature GO Rewards account at the time of application. *** *** did not perform a balance transfer at account opening and therefore the 2.99% APR balance transfer does not apply. Credit card purchases are assessed an interest charge if the entire balance is not paid by the payment due date each month, as stated in the Credit Card Agreement and Disclosure that is provided to all credit cardholders when a Navy Federal credit card is established. *** ***’ credit card balance is the result of purchase transactions, for which the APR is currently 9.74% The example at the top of the cardholder’s statement provides a method of paying down the account balance if he or she makes only the minimum payment due or if he or she pays a higher payment amount. Additionally, on page two of the monthly statement in the section labelled “Paying Interest”, it states that the payment due date is at least days after the close of each billing cycle and we will not charge our member interest on purchases if the entire balance is paid by the due date each month. As a one-time courtesy to *** ***, we have waived the interest charges of $and $assessed in August and September, respectively. In the future, the statement balance must be paid in full by the payment due date to avoid the assessment of interest charges. Should *** *** have questions, he may contact Joanna W***, Supervisor, Credit Card Servicing, at ###-###-####, extension ***, between the hours of 7:a.mand 3:p.m., Central time, Monday through Friday