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 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 Friday 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 ***
Navy Federal has reviewed our member’s concernsOn February, one of our representatives
spoke with our member and addressed the issues he raised in his complaint*** *** advised us that the payee of the cashier’s check has restored the funds in question to him Our representative provided her direct contact information to *** ***, and he should not hesitate to contact her if he has additional questions

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 complaint Navy 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 *** ***’s concerns. Our records show ***
***’s loan account ending in *** became a loss to Navy Federal due to nonpayment on February and his credit card account became a loss due to nonpayment on March 2016. On August 2017, our member agreed to a repayment plan for his credit card account. However, the repayment plan was voided when the complete credit card payment scheduled for January was not received and our member did not contact Navy Federal to discuss new arrangements. Funds were transferred from our member’s checking account to his credit card account on February 2018. If payments are not received by the payment due date, funds can be transferred to cover the amount owed from the member’s savings and/or checking accounts. The funds are transferred in accordance with the terms of the Navy Federal Credit Card Agreement and Disclosure, to which our member agreed. Our member established new payment arrangements on March and a partial refund of the transferred amount was processed. Our member has subsequently failed to remit payments under the new payment arrangement and his account has an outstanding balance. Should *** *** have additional questions or wish to re-establish payment arrangements, he may contact Counselor F*, Recoveries Branch, at ###-###-####, extension ***, between the hours of 8:a.mand 6: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] I am rejection this answer from NFCU as my bank records shows otherwise, I stand by my dates stated in my complaint I am not surprised however by NFCU response, I expected as much from themAs always a large financial institution doing whatever they want to the regular, average person who does not have deep pockets to fight backPlease send my response to NFCU & then close this caseThank you.
Complaint: ***
I am rejecting this response because:
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 *** We have researched our member’s concerns. On May 2018, our member’s spouse
provided us a Power of Attorney allowing her to transact for *** ***. As a courtesy, we reverted the transferred funds to our member’s checking account on that date. We also provided *** *** a refinanced vehicle loan in order to bring his account current If our member has any questions, he may contact MrO***, Manager, Mid-Stage Collections, at ###-###-####, extension ***, between the hours of 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 attempted to contact Petty Officer *** to discuss his concerns, but have only been
successful in leaving a messageAccording to our records, in October 2012, our member’s credit card account was past dueAfter Petty Officer *** advised our representative that he had established a monthly direct deposit to his Navy Federal savings account, we advanced the due date of his credit card to place the account in a current statusBetween January and July 2015, the account was intermittently in a past due status, because the recurring deposit was not sufficient to keep his account current on a regular basis.In July we were able to provide assistance to our member by establishing a recurring payment from his savings account to his credit card, and placing his credit card account into a current status by advancing the payment due date once againUnfortunately, the funds deposited into the account on a monthly basis were not sufficient to satisfy his minimum payment, and his account returned to a past due status.We attempted to contact our member by phone on multiple occasions to resolve this situation, but we were unable to reach himAdditionally, the status of his account was provided in the account statements that have been mailed to himThese statements also contain information regarding late fees assessed on the accountIn January 2016, Petty Officer ***’s direct deposit to his savings account ended altogether.Petty Officer ***’s account continues to be past dueWe would like to speak with him to explore available assistance optionsTo discuss this matter, he may call ###-###-####, extension 70811, to speak with MrGribschawWe look forward to speaking with Petty Officer ***

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 reviewed our member’s concerns. The security of our members’
accounts is of paramount importance. On January, we noted suspicious attempts to gain access to *** ***’s account. Therefore, we put precautions in place to prevent unauthorized activity. On February, one of our representatives advised her to place a code word on the account via a visit to a branch office; when our member stated that she is on travel, she was advised to write a letter with a request for a code word. Given the suspicious activity, no transactions will be made without a code word. Although *** ***’s daughter provided a Power of Attorney on February, we could not honor it until it has been received. We have since reviewed the document and *** ***’s daughter may now request that a code word be placed on the account to secure her mother’s funds. Should she have any questions, *** *** may contact Robert S***, Assistant Vice President, Security Operations Center, at ###-###-#### between 8:a.mand 5:p.m., Eastern time, weekdays

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

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 *** Navy Federal has thoroughly reviewed our member’s concerns. On June 2016,
*** *** made two deposits at a Navy Federal ATM. These deposits were made after the local cutoff time and therefore were not credited to her account until the next business day, June. *** ***’s checking account number *** was overdrawn at the close of business on June; therefore, three items presented for payment were paid under our Optional Overdraft Protection Service (OOPS) plan in which our member is enrolled. Since the account balance was insufficient to honor the items, we paid them and charged a $fee for each item in accordance with the OOPS terms and conditions. When *** *** called Navy Federal, she was given an explanation and a $refund of one of the OOPS fees. We have subsequently refunded the other two fees as a one-time courtesy. Should she have any questions, *** *** may call Patricia W***, Savings and Checking Operations Specialist, at ###-###-####, extension ***, between 6:a.mand 4:p.m., Monday, Wednesday, Thursday and Friday

Date Sent: 3/21/10:14:PMThe following references the complaint we received on February from the Revdex.com on behalf of Navy Federal member *** A***The complaint was assigned an ID number of ***. We have thoroughly researched our member’s concern regarding Business *** credit card account number ending in ***Our records show that the credit card was past dueIf payments are not received by the payment due date, funds can be transferred to cover the amount owed from the member’s savings and/or checking accountsThe funds are transferred in accordance with Navy Federal Business Credit Card Agreement and Disclosure, to which our member agreedThe funds will not be revertedThe next payment for this account is due by March 2017. Should our member have any questions, she may contact Livia Arsenault, Supervisor, Collections, at ###-###-####, extension 42335, between the hours of 7:a.mand 5:p.m., Eastern time, Monday to 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 April 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 We received a copy of the police incident report
related to Lieutenant ***’s claim on April Our review of this matter has been reopened, and we are working with the Corpus Christi Police Department to validate our member’s claimOne of our investigators attempted to reach Lieutenant *** to advise her of the developments in her claim, but was only able to leave a message Our member may reach our investigator by calling ###-###-####

[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 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 concerns. On April,
Therisa A***, Supervisor, Collateral Control, spoke with Ms***As a courtesy, we have refunded the $Department of Motor Vehicles fee. We will investigate why the letter Ms*** received reflected her checking account number rather than her savings account number. Should she have any questions, Ms*** may call MsA*** at ###-###-#### between 8:a.mand 4:p.m., Eastern time, weekdays

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. On August 2017,
*** *** contacted us and requested to close his *** Signature GO REWARDS credit card account. The account is closed with a zero balance. We have submitted a request to the four nationwide credit reporting agencies to report the account as paid off and closed at the member’s request and requested the necessary adjustments be made to his credit report. Please note that it may take up to days for the updates to reflect in *** ***’s credit file If *** *** has additional questions, he may contact our Thi T*, Business Operations Specialist, at ###-###-####, extension ***, between the hours of 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 unsatisfactory to meThe fight is not worth the time.Thank you
Regards,
*** ***

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

This is in reference to complaint ID number ***, which was received by Navy Federal on February 2016, submitted by our member, *** ** ***
We have thoroughly researched *** ***’s concerns There were two credit bureau inquiries made; one related to *** ***’s request for Navy Federal membership, and the other for credit approval of his submitted loan application As advised in our previous response to the Revdex.com on February 2016, we concluded that our representatives correctly followed credit bureau inquiry procedures
Through review of this matter, we found that the documents provided by *** *** for the use of income verification related to his loan application were unacceptable due to inconsistencies Based on this information, Navy Federal was unable to extend credit approval at that time We regret a more favorable decision could not be reached
If *** *** has any questions, he may contact Janice RDillard, Supervisor, Loan Officer at ***, extension ***, between the hours of 7:a.mto 4:p.m., Eastern time, Monday through Friday

This is in reference to complaint ID number ***, which was received by Navy Federal on October 2016, submitted by our member, *** ** ***
We have thoroughly researched the concerns presented in our member’s complaint Through our review of this matter, we concluded that there was
no loss of funds from Ms*** October online check deposit As we advised our member via our reply to her eMessage inquiry on October, the funds from the online check deposit were available in her account on October We received and processed the paper check on October However, due to Ms*** entering an incorrect check number, our system automatically reversed and reapplied the online deposit with the correct check information The $received on October was unaffected
If Ms*** has any questions, she may contact us at *** ***, hours a day, days a week