Timothy E. Lynch, Inc.

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

[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,
*** ***

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

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

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 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

[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:Date Sent: 3/22/12:57:PM[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 wasn't aware of signing any agreement. Regards,*** ***
Regards,
*** ***

The following is in response to the complaint we received on August from the Revdex.com on behalf of *** ** ***. The complaint was assigned an ID number of ***. Based on our records, our member initially opened his account online on June 2015, and
visited a branch on August to add his wife to his accounts. However, a request to add our member's wife was not received, which would have been done with a completed/signed *** form. Subsequently, our records also indicate that our member's wife *** *** submitted an online application on June 2015, which was pending because we required an image of a government-issued identification card and Social Security card from *** ***. The documents we received on August 2015, were illegible, which required *** *** to visit a branch office with the documents. On August 2015, the image of the Social Security card and U.SPermanent Resident Identification card was received. We were subsequently able to complete the application and process the initial funding for deposit, which was authorized by *** *** in the amount of $using a credit card account ending in 9201; the account ending in *** was therefore credited with $250.00. On August 2015, a request was made to reverse the transaction. Our records reflect that this request was completed August and the card-based funding reversal was processed in the amount of $250.00, crediting the credit card account ending in ***. The reversal can take five to seven business days for the credit to appear on our member's credit card account.Follquestions should be directed to Lisa T***, Supervisor, Membership, by calling ###-###-####

Thanks for everything Navy Federal said that they would contact me in writing soon I will communicate directly them going forward

The following is in response to the complaint we received on August from the BetterBusiness Bureau on behalf of *** ** ***The complaint was assigned an ID numberof ***.Steve T***, Assistant Vice President, Collections, contacted *** *** on 24September Upon
receiving a Power of Attorney from *** ***, they went overseveral options to repay the loan or settle the loan in full*** *** chose to refinance theloan with payments she and her husband could afford.If *** *** has additional questions, she may contact MrT*** by calling ***
*** between the hours of 8:a.mand 4: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 ***
We have thoroughly researched Petty Officer ***’s concern regarding her credit card
accounts at Navy Federal not being reported to the four major consumer reporting agencies In our investigation, we found the *** account ending in *** was not reporting as an active account to any of the reporting agencies An update has been made to each of the major agencies to reflect the account and its history
Our member’s *** account ending in *** has been closed since March Navy Federal does not control how the consumer reporting agencies present our tradelines Depending on the reporting agency, accounts or tradelines older than seven years may drop off from the credit report
Should Petty Officer *** have any questions, she may contact Theo J***, Supervisor, Consumer Loan Services, at ###-###-####, extension 43834, between the hours of 8:a.mand 4:p.m., Eastern time, Monday through Friday

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 researched our member’s concerns. *** ***’s account is
enrolled in the Optional Overdraft Protection Service (OOPS) to cover all transactions (ATM, point of sale (POS) debits, checks and Automated Clearing House debits). From May through June 2018, funds were utilized to cover several POS transactions from ***. Each time funds from the OOPS are used, a $fee will be assessed for each transaction. The terms and conditions of the OOPS program can be viewed at navyfederal.org; under the “Checking and Savings” tab, click on “Checking & Debit Card”, click on “Checking Protection Options,” then select ‘OOPS Opt In Form’ located under “Optional Overdraft Protection Service (OOPS).” The OOPS fees which were charged to our member were properly assessed; however, as a courtesy, we refunded $in fees to his checking account on June. To avoid fees associated with returned items or overdrawn accounts, members must ensure sufficient funds are on deposit and available for use before issuing payments or authorizing transactions. If *** *** feels that the OOPS does not meet his needs, he can opt out of the service by contacting Navy Federal at 1-888-842-NFCU (6328) or via Online Banking. If our member has any questions, he may contact Vivian B***, Savings and Checking Operations Specialist, at ***, extension ***, between the hours of 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 researched *** ***’ concern regarding her accounts at
Navy Federal. Upon review of checking account number ending in ***, we show no record of a transfer in the amount of $on October 2016, our records reflect that an automated transfer was processed as scheduled on October for $from checking account number ending *** to loan account number ending ***An Automated Clearing House (ACH) debit of $to ** *** was returned unpaid on October due to insufficient funds in the *** checking account. The ACH debit was presented again on October and was paid at that time. No other items have been returned unpaid Should *** *** have further questions, she may contact Vivian B***, Savings and Checking Operations Specialist, on ###-###-####, extension ***, between the hours of 7:30 a.mand 4:p.m., Eastern time, Monday through FridayTell 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 Administratively Resolved]
Complaint: ***
I am rejecting this response because:
** *** requested a supervisor and ** *** was deniedAs mentioned, Navy Federal employees are on power tripsYou also failed to mention this credit occurred during the second phone call.
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 the unauthorized access to her daughter’s checking
account number ending in *** of which she is joint owner. Through our investigation of this matter, the *** checking account was charged off due to a loss suffered as a result of *** ***’s daughter’s actions. With no new information to counter our findings, our determination remains the same. We have confirmed that the charged off account is not being reported to the nationwide credit reporting agencies. If *** *** has any questions, she may contact Robert S***, Assistant Vice President, Security Operations Center, at ###-###-####, extension ***, between the hours of 8:a.mto 5:p.m., Eastern 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,
*** ***

[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 it is the same answer I received when I originally made the complaint. It is essentially comes to sorry for the misinformation, but we are not willing to do anything outside our existing framework to assist. The only change that I have seen is the website now clearly indicates that DDNP is required versus just Direct Deposit. I still received conflicting information with respect to the Flagship Checking. Website states Direct Deposit and two different people have told me two different answers (i.e., net pay versus no net pay required, but to be fair the resolution rep has been consistent in telling me it is net pay). I have a call in to the supervisor stated in the last response. However, I am confident I will be told the same information again. No where in this process has Navy Federal Credit Union accepted responsibility for their mistake other than to say so sorry. A $gift card is a nice gesture, but is a temporary fix to a long term issue as long as I have a checking account. When I am given a response other than "it is the consumer's choice to fix the problem," perhaps then I will be willing accept a response.
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 ***.Navy Federal has reviewed our member’s concerns. We have confirmed that three
fraudulent debits of $125.00, $and $were paid from *** ***’s joint checking account on August 2014. We have therefore made a provisional credit of $to the account. In addition, we have notified *** *** as to the credit. Although our member was initially provided with incorrect information concerning a time limitation for reporting such transactions, we confirm that there is no time limit for reporting forgeries or fraudulent activity.Should *** *** have additional concerns, she may call Priscilla L***, Assistant Supervisor, Card Fraud Recovery, at ###-###-####, extension ***, between 6:a.mand 2:p.m., Central time, weekdays

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 complaintThrough our review of this matter, we concluded that no Navy
Federal error occurredOn September 2016, Payton P***, Supervisor, Collections, spoke with *** *** and notified her that her calls with our Contact Center representatives in August and November were reviewedOur member was advised that there was no mention of credit bureau reporting and payment deferments during any of the calls, and that we are unable to adjust any information on her credit report
We will not request a change to *** ***’ credit report as Navy Federal is required to report fair and accurate data to the credit reporting agencies
If *** *** has any questions, she may contact MrP*** at ###-###-####, between the hours of 8:a.mto 4:p.m., Central time, Monday through Friday