Timothy E. Lynch, Inc.

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

[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 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.
On November 2014, *** *** filed for unemployment benefit activation. Arequest for documentation was sent to *** *** on November. When the required documentation was not returned, another request was sent on December, along with a statement that the claim would be closed within days of the date of the letter if *** *** did not comply with the request Copies of the letters sent to *** *** are attachedOn 22 March 2015, *** *** submitted another request for unemployment benefit activation. *** ***, a representative of our claims administrator, *** *** Insurance Agency, recently attempted to contact *** *** to discuss his benefit activation request; as she wasunable to reach him, she left a message with her contact information. To discuss his request for benefit activation, and the documentation required to review his claim, we ask that *** *** call *** *** at ###-###-####When the *** account was six months past due on June 2015, the outstanding balance was charged off. We correctly reported the status of the account to the four consumer reporting agencies, ***, ***, *** and *** We will note this account as “Consumer disagrees” in our submission to the credit reporting agencies; this designation will continue to be reported each month until *** *** notifies us to stop.*** *** can contact Counselor CE*** to discuss the options for resolving his accountOnce the account is either settled or paid in full, Navy Federal will submit an update to the four consumer reporting agencies to reflect this information MsE*** can be reached at ###-###-####,extension ***, 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 April 2016, submitted by our member, *** ** ***
We have thoroughly researched the concerns presented in our member’s complaint regarding his Navy Federal vehicle loan number ending in ** opened
March On October 2015, we received a letter from *** regarding *** ***’ claim of identity theftIncluded with their letter was an Albuquerque Police Summary Incident ReportAfter a thorough investigation, we determined that this was not a case of identity theftOur records show that on March 2014, *** *** established Navy Federal Membership Savings and e-Checking accountsBased on documents provided to Navy Federal at the time *** *** established his accounts, his signature of record, and the verification of his date of birth and addresses, his claim was denied*** *** is responsible for the outstanding balance on his loanThe account 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

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 ***.We have reviewed our member’s concerns. On April, *** *** called Navy Federal to
dispute a debit made by *** for a hotel reservation which had posted to his account on April. At that time, he stated that he had made a reservation at the hotel in question but had later attempted to cancel the reservation. A provisional credit of $was placed on his account on April; however, our review of his claim found that no error had taken place with respect to the transaction. Therefore, on June, a letter was sent to *** *** advising of the results of the investigation and that the provisional credit would be removed. On July, the credit was removed and, on August, *** *** spoke with a Navy Federal representative, during which conversation he claimed that he had not made a purchase through *** and that he was a victim of fraud. When a member makes a claim of fraud, we deactivate his or her *** Check card to protect Navy Federal as well as the individual. We can expedite the delivery of a new card to ensure that he or she suffers as little inconvenience as possible. Although this option was offered to *** ***, he declined to take advantage of the service as he stated he wastraveling; he went to our Gainsborough Branch, located in Chesapeake, Virginia, and received a new card. In addition, acredit of $was applied to his checking account on August in the interest of member service

The following references the follcomplaint we received on July 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 regarding his credit card account. On April 2014, we charged $to our reserves due to non-payment. Our member satisfied the outstanding balance on June and we submitted a request to the four nationwide credit reporting agencies to update the tradeline On July 2017, we reviewed our member’s Navy Federal tradeline, verified that his account is reflecting correctly as a charge-off loan that was paid in full, and determined no adjustment is necessary If *** *** would like to discuss this matter further, he may contact MrsB*** Assistant Supervisor, Recoveries, at ###-###-####, extension ***, between the hours of 8:a.mand 4:p.m., Eastern time, weekdays Tell us why here

This is in reference to a 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 our member’s concerns. Our records show
that Specialist *** contacted Navy Federal on August and applied for an automobile refinance loan to pay off a loan at another financial institution. We reviewed the recorded telephone call which revealed that our representative asked our member if she would prefer to have her loan documents mailed to her or pick them up at a branchSpecialist *** confirmed with our representative that she would drive to the Navy Federal *** *** Branch. Our representative also confirmed during the telephone call that the documents would be available at the branch at the completion of the loan application. She was also advised of the new payment date and that payments could be made using her Navy Federal Online Access Specialist *** contacted Navy Federal again on September 2017. We reviewed the recorded telephone call which revealed our member’s confirmation that she would visit the branch to obtain her loan draft and documents. On September, Ms*** visited the *** *** Branch, signed the Promissory Note, endorsed the loan draft, then asked our branch representatives to mail the loan draft to her external financial institution. As requested, Navy Federal mailed the draft to the address Ms*** provided. If Specialist *** has any questions, she may contact *** *** *** *** *** Branch, at *** *** between 9:a.mand 5:p.m., Mountain 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. I would just like to add if anyone else is experiencing difficulty, I encourage your patience and to continue to send the requested documents, NFCU will resolve the issue for you I greatly appreciate the attention and care given by NFCU
Kind Regards,
*** ***

This is in reference to complaint ID number ***, which was received by Navy Federal on
January 2016, submitted by our member, *** ** ***
We have thoroughly researched our member’s concernsAlthough *** *** was aware that there were issues with the title of the
property, on January our member instructed Navy Federal to move forward with ordering the appraisal on the property, as he stated all repairs
needed on the property had been completedHowever, the appraisal received on February
noted several repairs needed, and our member was notified that the Notice of Value had an expiration
date of July 2015, in accordance with VA guidelines
Due to delays related to issues with the title of the property, a new appraisal was needed as the
original appraisal had expired*** *** was advised that the appraiser in this case
was not selected by Navy Federal; a VA certified appraiser was assigned by the VAThe second
appraisal required additional repairs to be made; *** *** appealed to Navy Federal
to have this requirement removedNavy Federal followed VA procedure and submitted the appeal to
the appraiser, which was deniedThe appraiser completed the required inspection of the repairs,
which he found unacceptable
*** *** reached out directly to the VA Regional Loan Center to express his
concernsThe VA completed an additional in-house review and removed the repair requirements,
and increased the property value as requestedNavy Federal followed VA requirements and will not
reimburse our member for repairs completed on his property
Navy Federal was ready to proceed to closing prior to the rate expiration dateWe note that *** *** elected to have a Boundary Survey performed, which caused further delays
in the closing process, which resulted in a change to the rateHowever, Navy Federal allowed our
member to price match a competitor’s market rate, and we offered a better rate than the competitor
The loan closed on November Navy Federal will not assume responsibility for any costs
associated with the Boundary Survey, as this service was not required by the credit union
To compensate our member for issues at loan closing, we refunded his entire settlement fee of
$by check after settlement was completedAll required closing documents for the loan were
provided to *** ***, and we have confirmed that a copy of his Boundary Survey was
sent to him
Navy Federal can find no evidence of unprofessional or incompetent behavior displayed by our
representatives during the processing of *** ***’s loan applicationNavy Federal
does not practice discrimination of any kind

This is in reference to the follcomplaint we received on April from the Revdex.com (Revdex.com) on behalf of Navy Federal member *** ** ***. The complaint was originally assigned an ID number of *** Navy Federal has again reviewed *** ***’s concerns. Alan A***, Business Operations Specialist, attempted to reach our member by telephone on April; however, he was only successful in leaving a message As advised in our response to her original communication with the Revdex.com, we are charging interest at the correct rate on her *** account and her payments are being applied correctly. A review of her account has revealed that *** *** typically makes the minimum monthly payment or a small amount in excess of the minimum payment each month. If she makes only the minimum payment each month, she will pay more in interest over the life of the account and it will take more time to liquidate her balance. *** *** may pay the new balance in whole or in part at any time; Navy Federal will not charge a penalty for paying more than the minimum payment. The Payment Information section of her monthly credit card statements provides examples of the length of time needed to liquidate the credit card account balance if no additional charges are posted each month Should she have any questions, *** *** may call John Pikiell, Assistant Manager, Credit Card Servicing, at ###-###-#### between 8:a.mand 4:pm., Eastern time, weekdays

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 *** ***’s complaint. During a telephone conversation with our representative on
June, *** *** was advised of our verification of membership eligibility requirement. *** *** stated she would fax to us the appropriate documents. On July, Juliane D*** Supervisor, Membership/Members Officer, telephoned *** *** regarding Navy Federal’s membership eligibility requirements and the status of her loan account number ending in **. On July, we received document(s) verifying *** ***’s membership eligibility and the online account restriction was removed. On July, Anu J***, Supervisor, Endorsement Verification and Loan Cancel, telephoned and confirmed with *** *** that she would like the ** loan account to remain open. A new loan draft has been issued and sent to *** *** with the Promissory Note. We have verified that Navy Federal has not reported any derogatory information to the nationwide credit reporting agencies regarding this loan If *** *** has any questions, she may contact Carrie M***, Document and Research Liaison, at ###-###-####, extension ***, between the hours of 8:a.mto 4:p.m., Eastern time, Monday through Friday

This is in reference to a request for additional information regarding complaint ID number ***, submitted by *** *** on December
On November, the attached documentation was provided to our branch for *** to pick upThe IP address referenced in ***’s complaint, ***, is on the third page of the attached documentation

The following references the complaint we received on September from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of *** Navy Federal has thoroughly reviewed our members concern. The Checking
Line of Credit (CLOC) was opened June in Parris Island, South Carolina, when *** *** established membership with Navy Federal. On July 2015, *** *** signed the Active Duty Checking Line of Credit Agreement and Disclosure for the ADCLOC. Navy Federal has performed a complete audit of the account and verified that starting on May *** ***’ available checking account had insufficient funds for presented items; therefore, we accessed his ADCLOC to permit the transactions. On June 2016, our member’s ADCLOC balance was $392.35, and we received a payment on June in the amount of $217.22, leaving his balance at $179.03, with a $minimum payment due on August On September, his ADCLOC had a balance of $186.78, which included billed interest, with a $minimum payment still outstanding, for the months of July, August and September This is a valid debt which he is responsible to repay. For his records, we have attached copies of his account statements and the signed Agreement and Disclosure which validates that *** *** applied for this account. If *** *** would like to make payment arrangements, he may call our Collections Department at ###-###-####. Our representatives are available between 8:a.mand 8:p.m., Eastern time, weekdays, and between 9:a.mand 5:p.m., weekends Tell us why here

The following references the complaint we received on January 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. Counselor
*** *** attempted to contact Mr*** on January 2018, but was only able to leave a voicemailAccording to our records, our member has two personal expense loans and a credit card account that were charged-off due to non-payment. All three accounts have outstanding balances. We appreciate our member’s continued efforts in repaying these accounts to Navy Federal We have verified that Mr***’s accounts are reflecting accurately with the four major credit reporting agencies and no adjustment is warranted. We report accurate data and will not remove the accurate account sta**ses from his credit report. However, once the balances have been paid in full, this information will be updated with the credit agencies If Mr*** has any questions, he may contact Mr*** ** *** *** *** between the hours of 8:a.mand 4:p.m., Central time, weekdaysOur member has asked us for information related to our recent agreement with the Consumer Financial Protection Bureau (CFPB). We have confirmed that he is not within the population of members eligible for compensation under the CFPB settlementTell us why here

The following references the complaint we received on December 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 According to our records, Ms
*** attempted two transactions with *** on December She also made a transfer to her checking account on the same day However, the transfer she made to her checking account via our Mobile Banking app was made during our transaction processing time, so it was not yet available for use Therefore, the first transaction was correctly denied due to insufficient funds The second transaction with *** was approved and properly posted to her account on December
Based on our review of the telephone conversation, the service provided by our representative was accurate and respectful We regret that Ms*** feels otherwise Should Ms*** have any questions, she may contact us at *** ***

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 concern On November 2016, Karen
C***, Manager, Repossession, spoke with Mr*** regarding his account MsC*** informed him that the repossession agent, *** Recovery, was provided with his contact information and that they will contact him to make arrangements to pick up his personal property We understand that Mr*** has made an appointment with the agent MsC*** also advised our member that since the repossession and storage fees are charged by the agent, we will not refund them
Mr***’s vehicle is stored at an auction; however, the allotted timeframe to retrieve the vehicle expired on November The vehicle will be scheduled for sale Once the vehicle is sold, all expenses will be deducted from the sale proceeds and the balance of the check will post to the loan balance Mr*** will be informed of the sales results after the vehicle is sold
Should Mr*** have any further questions, he may contact MsC***, at ###-###-####, extension 48735, between the hours of 8:a.mand 2:p.m., Eastern time, weekdays

The following references the complaint we received on December 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. We are
committed to assisting our memberWe have discussed the issues presented in her complaint directly with *** ***. Should she have any questions, our member may contact Jimmy R***, Assistant Vice President, Financial Crimes and Risk, at ###-###-#### between 8:a.mand 4:p.m., Central 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

The following references the complaint we received on 5 August from the Revdex.com on behalf of Navy Federal member *** ***. Thecomplaint was assigned an ID number of ***. A Mortgage Payment/Payoff Specialist spoke with Mr. *** on
August. During that conversation, our member asked for a copy of his repayment history for the lastmonths; it is attached. Payments on Navy Federal Home Equity Lines of Credit (HELOC) are due each month. When funds are received between the fifth day of one month and the sixth day of the following month, the amount is credited toward the next payment which is due; any excess is credited to principal but does not advance the payment due date. The balance owed on a HELOC is determined by various factors: payments received, accrued interest and funds used from the account; therefore, the monthly payment amount can vary from month to month. Although our member had voluntarily enrolled in our automatic loan payment drafting program, on June 2015, Mr*** made a manual paymentof $230.00. Because he had already satisfied the June payment on May 22, the entire amount was applied to the principal balance for the June bill. The bill due on July was calculated on June and was available to be paid on 8 June, the first business day after the statement calculation. Because the $payment of June wasreceived early, our automated system drafted a payment on July. On July, our member paid an additional $215.00; the entire payment of the additional payment was applied to the loan principal as an extra payment. The August payment was available to be paid on July, the first business day after the statement calculation. The August payment was drafted on August because the first fell on a weekend; also on August,the member made a manual payment of $which was applied to the principal. A payment of $is scheduled to be drafted on September unless Mr*** requests otherwise. We can stop the transfers permanently; however, if the transfers are discontinued, our member will lose a .25% payment discount that he realizes each monthIf he prefers, we can convert Mr***’s HELOC to a Fixed Equity Loan (FEL) to allow payments in excess of the monthly payment to advance the payment due date; however, since the FEL would be opened with the prevailinginterest rate, it is possible that the rate would increase if this action is taken. We would reapply the payment received on August as of August to satisfy the September payment. Should he want to request thechange, our member may call Ali S***, Supervisor, Mortgage and Equity Quality Services and Payment Services, at ###-###-#### between 8:a.mand 4:p.m., Central time, weekdays