Timothy E. Lynch, Inc.

This is in reference to a follcomplaint, ID number ***, submitted by Navy Federal member, *** ** ***.We have thoroughly researched the concerns presented in our member’s complaintNavy Federal is sending the requested account information to *** *** under separate cover to her address of record.If *** *** has any questions, she may contact us at 1-888-842-NFCU (6328), hours a day, days a week

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 our member’s concerns. *** *** made
two transfers of credit from her *** account to *** Bank Card Services and *** Credit Card Services on November in the amounts of $1,and $1,494.51, respectively. Such transfers are considered to be cash advances and interest is charged accordingly. In *** ***’s case, an Annual Percentage Rate (APR) of 14.9% is being charged on the two cash advances; however, at this time, that is also the APR for her current charges When a payment is received, Navy Federal applies the minimum payment first to the interest charges, followed by all fees, and then to the balance with the lowest APR. Any payment amount received in excess of the minimum payment will be allocated to the balance with the highest APR and any remaining portion to the other balances in descending order based on their APRs. Therefore, on March 2016, when an $payment was received and posted to *** ***’s *** account, we used $to complete February’s minimum payment. The remaining $was applied to the previous pur*** balance. Of the $minimum payment, $was applied to the previous pur*** interest charge, $was credited to the previous cash advance interest charge and the remaining $was applied to the previous pur*** balance Should *** *** have any questions, she may call John P***, Assistant Manager, Credit Card Servicing, at ###-###-#### between 8:a.mand 4:p.m., Eastern time, weekdays If *** *** is having difficulty making her payments, she may contact our Personal Finance Management staff for free financial assistance at ###-###-#### between 8:a.mand 8:p.m., Eastern time, weekdays

sorry, I am new to thisi was applying for financial services with Navy Federal, and they made several charges to my credit card, one which was unauthorizedi called, and left emails with my agent over a period of several months and got no replyi spoke to their manager all the while trying to
get a refund on the charges madei even tried contacting my credit card company and they could not get a hold of anyone at Navy Federal to rectify my problem

[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 Due to this resolution, I can now confirm that the business has thoroughly reviewed my concerns regarding their services being offered to customers alike
Regards,
*** *** ***

This is in reference to the follcomplaint we received on November from the Revdex.com on behalf of Navy Federal member *** ***The complaint was originally assigned an ID number of ***
We have researched Mr***’s concern regarding the loan ending in *** with our optional Guaranteed Asset Protection (GAP) coverageOn April 2016, Mr*** called Navy Federal to advise that he was in a car accidentOur Member Service Representative advised Mr*** that we would submit a GAP claim for him and that he needed to continue paying on his account during the processHe was also informed that his loan was three months past due at this time and he confirmed that he was aware of the status of the loan
On April, Navy Federal received settlement checks from Mr***’s insurance companyThere was a discrepancy that was identified with the insurance company which Navy Federal resolved on April
In our previous communication to the Revdex.com, we attached a disclosure statement for another protection plan; please accept our sincere apologies for this oversightPlease find the Guaranteed Asset Protection Plan Agreement and Disclosure attached
We consider the matter closed
If Mr*** has any additional questions, he may contact Gina B***, Supervisor, Loan Protection Programs Branch at ###-###-####, extension ***, between 8:a.mand 4:p.m., Eastern time, Monday through Friday

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 investigated our member’s concern The transfer referenced
in
*** ***’s complaint was conducted to pay her past due loan based on the security agreement noted in her signed Promissory Note However, on September *** *** was contacted by MsS**, Supervisor, Collections, to discuss her account During this phone conversation, the amount of $was returned to *** ***’s checking account, and a fee of $which was assessed on the personal expense loan on August was waived MsS** has also provided assistance by advancing the payment due date of our member’s loan account
Should *** *** have any questions she may contact Tasha T***, Assistant Manager, Collections, at ###-###-####, extension ***, between 8:a.mand 4:p.m., Eastern time, 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 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 concern. On October 2016,
Mr*** applied for a 100% Financing First Mortgage loan via Navy Federal Online BankingDuring the online application process, our Loan Fee Disclosure is presented to the applicant(s) and their consent is required in order to continue. The disclosure regarding potential Credit Bureau Report fee refunds only applies to applications for Home Equity Lines of Credit. Unfortunately, this disclosure does not apply to the loan type that Mr*** applied for. The fee Mr*** paid is charged by the credit reporting agencies for the credit report. Navy Federal does not make a profit from this fee Should Mr*** have any questions, he may contact Ann C***, Regional Manager, Field Mortgage, at ###-###-####, extension 21036, between the hours of 8:a.mand 5:p.m., Eastern time, weekdays

The following references the complaint we received on 15 August from the Revdex.com (Revdex.com) on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of ***.Navy Federal has reviewed the concerns presented by ***. Our
records indicate that in May 2014, she submitted questions regarding Payment Protection Plan (PPP) benefits for a loan she had previously enrolled in the plan Her concerns were addressed on June in our responses to the Revdex.com and the Consumer Finance Protection Bureau On June 2015, we received *** ***’s request to rescind the Cease and Desist order which had been placed on her account previously. Since the letter stated that she should “only be contacted regarding the consolidation process, and no other forms of contact are [to be] initiated … ,” we used her letter to process her request for a consolidation loan, and honored her request to retain the Cease and Desist for all other purposes. If our member wishes to have the Cease and Desist request removed, she may fax her signed letter asking to reinstate communications to ###-###-####.Although *** *** was issued a consolidation loan on June comprising her personal expense loans and her *** account balances, finance charges in the amount of $were refunded to the credit card account on 2 July, in connection with a 0% Annual Percentage Rate promotion in effect at the time of the account’s opening. The resulting credit balance was placed in her savings account on July. A late payment fee of $was charged to *** ***’s *** account on June because her May payment, due on May, was not received until her consolidation loan liquidated the credit card balance on June.When *** *** requested the consolidation loan, one of her personal expense loans, held under account number ***, was past due. Therefore, the delinquency was correctly reported to the four consumer reporting agencies, ***, ***, Experian and Innovis. Should our member want to pursue this issue, she may contact the agencies directly or she may contactNavy Federal. She will need to provide us with a copy of the report showing her Navy Federal account, provided it is from one of the four credit bureaus to which we report. This information can be faxed to ###-###-#### or forwarded to Navy Federal Credit Union, P.OBox 3700, Merrifield, Virginia 22119-3700.A review of *** ***’s accounts has revealed that the Certificate of Title to her *** was forwarded to *** *** *** ***
*** on September 2014. Regarding the addition of PPP coverage to one of her loans in 2014, we have a signed applicationon file from *** *** for such coverage on her personal expense loan account number ***. A copy of the application, dated March 2014, is attached.Should *** *** have additional concerns, she may call Victoria Stacey, Supervisor, Personal Finance Management, at ###-###-#### between 8:a.mand 4: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 ***. We have reviewed the concerns presented in Ms***’s complaintAccording to our records,
our member submitted a debit card fraud claim totaling $on March and we determined that no error had occurredA letter advising Ms*** of the outcome of our investigation was sent to her address of recordOur records do reflect that our member contacted us to discuss her claim following the decision, and our representatives have left several messages for Ms*** in response. Should Ms*** have additional questions, or if she would like to receive a copy of the information used during our investigation, she may call MsD***, Supervisor, Card Fraud Prevention, at ###-###-####MsD*** is available between the hours of 7:a.mand 4:p.m., weekdays. We note that Ms***’s name is reflected in our records as *** M***-CrossShould she wish to update the name we have on file, she may visit our website at navyfederal.org to print the necessary forms to complete and return to usShe may also call our Contact Center hours a day, seven days a week to request the forms, at 1-888-***-*** (6328)

[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 ***.
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 Administratively Resolved]
Complaint: ***
I am rejecting this response because:
Regards,
*** ***
This does not dismiss the fact that I was approved for an account before Navy Federal submitted my information to First Warning
Since I was approved for a checking account I should not been subjected to any bureau

This is in reference to a follcomplaint, ID number ***, submitted by Navy Federal member, *** ** ***. We have thoroughly researched *** ***’s concerns. As advised in our previous response to the Revdex.com on June 2016, we conclude that no error was committed by Navy FederalNavy Federal will not refund our member for the check. Our member was advised that resolution should be sought with the company that received the payment. In the process of setting up a stop payment for a check, we request the amount of the check and payee name as this information is useful in certain cases, such as instances of the merchant converting a check to an Automated Clearing House (ACH) transaction (where the information is submitted under the payee information and amount). In this instance, the item was presented for payment as a check and therefore, we relied only on the check number to determine which specific transaction to stop Should *** *** have any questions, she may call Kimberly G***, Supervisor, Savings and Checking Operations, at ###-###-####, extension 70023, between 7:a.mand 3:30 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,
*** ***

This is in reference to complaint ID number ***, which was received by Navy Federal on January 2016, submitted by our member, *** ** ***
We have thoroughly reviewed *** ***’s concernsOur records reflect that on January 2016, *** ***’s *** credit card was declined several
times at ***.com due to our system’s identification of these transactions as suspicious*** ***’s card was then declined at *** *** *** and ***.com due to excessive declined transactionsOn the same date, our automated system telephoned *** *** to verify the recent declined transactionsOur member confirmed that the transactions were valid
Navy Federal strives to protect the safety and security of our members’ accounts while providing convenient and efficient service to our members at all timesOur Credit Card Fraud Prevention group is continuously working to find ways to minimize any negative impact to our membership, and we regret any frustration *** *** experienced in this instance
Questions regarding this matter may be addressed to Eric M***, Supervisor, Card Fraud Prevention, at ###-###-####, extension ***, between the hours of 7:a.mand 5:p.m., Central time, Monday through Friday

The following references the complaint we received on April from the Revdex.com on behalf of *** ***. The complaint was assigned an ID number of ***. Navy Federal has thoroughly reviewed our member’s concerns. We denied Mr***’s claim of
fraudulent activity in 2014. However, upon further investigation and after receiving new information, on April 2016, Jimmy R***, Assistant Vice President, Financial Crimes and Risk, spoke with Mr*** and determined that his claim would be honored. We have now annotated our records regarding the *** account issued in Mr***’s name to reflect the account as invalid. In addition, we have contacted the four consumer reporting agencies and requested that the trade line for the account be deleted from Mr***’s credit report. Should he have any questions, Mr*** may contact MrR*** at ###-###-#### between 7:a.mand 3:p.m., Central time, weekdays

This is in reference to a follcomplaint, ID number ***, submitted by Navy Federal member, *** ***
We have thoroughly researched our member’s concerns As advised in our previous response to the Revdex.com on March 2017, *** ***’s accounts will remain restricted for protection against potential fraud or identity theft until Navy Federal is able to discuss the matter with him and confirm valid identification
We have verified that the below contact information is correct and have no record of missed calls or voice messages from *** ***
Should *** *** have additional questions or concerns, he may contact Robert S***,
Assistant Vice President, Security Operations, at ###-###-####, extension ***, between the
hours of 8:a.mand 5:p.m., Eastern time, Monday through Friday

I am not having difficulty making the paymentsThis is not my argumentI am concerned about the inability to pay down this account because of this daily interest amounts when I have not used this card in a monthsIt seems almost impossible to bring the balance down, whether I pay the amount due or any additional amounts in an attempt to pay this account offWhat is the solution to paying this account off as it stands without paying the entire balance at once? I have other credit cards and I see my balance owed decrease every time I make a paymentHowever, with this account with Navy Federal the payoff seems inevitableSomething must be done!!!!! I am a loyal customer with Navy FederalMy mortgage and home loan is with this financial institutionHow do you account for the fact that I have not used this card in months, yet the balance is barely decreasing even though the payments are always paid on or before the due date? On some occasions I have paid more than the amount due on the account

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
concerns. On November, Renee
G***,
Assistant Supervisor, Collections, attempted to contact *** *** to advise
him that we will be glad to credit an outside account in his name with the
overpayment of $he made at Navy Federal Online Account Access. However, she was unsuccessful in reaching
him. We therefore ask that *** ***
call Tarsha T***, Assistant Manager, Mid Stage Collections, to make
arrangements for the funds transfer. Ms
T*** can be reached at ###-###-####, extension ***, between 8:a.mand
4:p.m., Eastern time, weekdays