Timothy E. Lynch, Inc.

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

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

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

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

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.

[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,
*** & *** ***

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

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

[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,
*** ***

This is in reference to complaint ID number ***, which was received by Navy Federal on January 2016, submitted by our member, *** ** ***
We have reviewed our member’s concerns Navy Federal recently changed our cash-availability policy on existing credit card accounts to 50% of
the credit line A notice of this policy change was sent to *** *** on his September credit card statement We are unable to force-post previously rejected convenience checks No fees were assessed by Navy Federal as a result of the returned checks
Questions regarding this matter may be directed to *** ** ***, Assistant Manager, *** Credit Card Lending Operations, at ###-###-####, extension ***, between the hours of 8:a.mand 4: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 *** 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 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,
*** ***

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,
*** ***

The following references the complaint we received on
October from the Revdex.com on behalf of Navy Federal member Anthony JBuckland. The
complaint was assigned an ID number of ***.We have reviewed *** *** concerns related to his
request to reestablish
accounts with Navy FederalJuliane D**, Supervisor,
Membership Operations, spoke with *** *** on October regarding this
matterAs MsD** advised, we are able to reopen *** ***
Navy Federal savings account, and can process his request to be added as joint
owner to his wife’s account, upon our receipt of a completed Change of
Information form for the accountHowever, certain restrictions placed on the
accounts when *** *** line of credit account was charged off will remain
in effectAs a result of these restrictions, we will be unable to issue *** *** a debit card for his reestablished account.Should he have further questions, *** *** may
contact MsD** by calling ###-###-####

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

[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,
*** ***

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 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

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 ###-###-####