Timothy E. Lynch, Inc.

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 our
representative correctly followed our procedures and conducted herself in a professional manner When check numbered *** was presented for payment to *** ***’ Navy Federal checking account on October and was returned unpaid due to non-sufficient funds, a $non-sufficient funds fee was assessed to her account On the same date, *** *** request to have her fee waived was denied
Per Navy Federal’s Important Disclosures, the credit union is authorized to refuse checks that exceed funds available in the checking account A fee will be assessed in the amount shown on Navy Federal’s current Schedule of Fees and Charges for each refused check
Navy Federal strives to provide efficient, accurate, and responsive service to our members at all times, and we regret that *** *** was not satisfied with the service she received
If *** *** has any questions, she may contact Kirstie L*** Supervisor, Contact Center Resolution, at ***, extension ***, between the hours of 7:a.mto 3:p.m., Eastern 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 reviewed our member’s concerns.? Navy Federal does not reveal
confidential
account information to third parties without a member’s authorization.? In *** ***’ case, we attempted to contact
her on September; when we were unsuccessful, we placed a call to her place
of employment.? We did not at any time
contact any individual with whom *** *** has no relation.? Our member has recently furnished her current
employment information; any future telephone contact will be made solely to the
number she provided at that time and any other communication will be made via
E-mail.Should she have any questions, *** *** may call Joseph
F*, Assistant Manager, Mid-Stage Collections, at ###-###-#### between 8:
a.mand 4:p.m., Central time, weekdays

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 August,
Kristen J***, Personal Finance Specialist, attempted to contact *** ***; however, she was only successful in leaving a message.? When a member makes only the minimum payment on a credit card account, interest is accrued on the outstanding balance.? If the member continues to use the card for purchases, liquidating the outstanding balance will become more difficult.? Our members’ credit card statements provide information concerning the repayment of the balance, including the number of months needed to liquidate the balance by making only the minimum monthly paymentFurthermore, the statements also give an example of the number of months needed to repay the balance by making a larger payment each month.? If possible, increasing her monthly payments would allow *** *** to liquidate her *** balance in a shorter period of time.? *** *** seems to be experiencing financial difficulty.? She may call our Personal Finance Management team to discuss payment options which may be available to her.? Our staff is available between 8:a.mand 7:p.m., Central time, weekdays; the toll-free number is ###-###-####

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 Our records note that based
on the member’s checking account balance, on March a Member Service Representative (MSR) recommended that the member switch her checking account to a Flagship Checking account in order to accrue dividends at a higher annual percentage yield The member agreed and the account type was changed On July, another MSR recognized that the member’s balance had dropped below the minimum balance amount needed to avoid a monthly service fee and suggested that the member switch checking accounts The member again agreed and her account type was changed
We have reviewed Ms***’s claim regarding the *** transactions We have made a provisional credit of $to her checking account in the amount of the transactions and have initiated an investigation to determine whether the transactions were unauthorized If the investigation determines that the transactions were unauthorized, the provisional credit will be made permanent Should she have any questions concerning our review of the transactions, she may call Priscilla L***, Supervisor, Card Fraud Prevention Recovery, at ###-###-####, extension ***, between 7:a.mand 3:p.m., Central time, weekdays
As a courtesy, we have refunded the stop payment fee as well as additional fees If our member has any questions, she may contact Navy Federal anytime at ###-###-####

The following references the follcomplaint we received on April from the Revdex.com on behalf of Navy Federal member *** ** ***, also known as *** ***.? The complaint was assigned an ID number of ***? We have thoroughly researched Ms***’ concerns regarding the validity of the credit reporting of her accountsAs previously advised, Ms***’ credit card had an outstanding balance, which was charged to our reserves on July due to non-payment.? Her consolidation loan had an outstanding balance, which was charged to our reserves on August due to non-payment.? Since both of Ms***’ accounts were in a charge-off status prior to her filing Chapter Bankruptcy, that status remains on her credit, in addition to the bankruptcy status, in accordance with bankruptcy reporting guidelines.? We have verified that Ms***’ accounts are reported correctly with the four major credit reporting agencies; therefore, no adjustment is required.? We report accurate data and cannot remove any accurately reported information.? We consider the matter closedIf Ms*** wishes to discuss this matter further, she may contact us at *** ***, at any time

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 March 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 *** ***’s credit card payment of
$was initiated on March at 4:p.m., Eastern time; however, the payment did not post to the account until March due to an unexpected delay in processing As noted in our member’s monthly credit card statement, the payment due date is the third of each month and the statements for the account are prepared on the sixth of each month
In the interest of member service, we have sent an update to the nationwide credit reporting agencies to reflect *** ***’s credit card balance as zero as of March
If *** *** has any questions, she may contact Thi T*, Business Operations Specialist, at
###-###-####, extension ***, between 8:a.mand 4:p.m., Eastern 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 as Answered]
? Complaint: ***
I am rejecting this response because:Yes there was a hold placed on my account, I know thatThe complaint is because there was a hold placed on my account without my knowledgeI did not receive notification of this act, not a text, phone call or any other method was used to notify meI had to find out that it was on hold at a gas station where I could not purchase gasI also missed a mortgage payment because I couldnt access my account.?
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 and we have found
that charges for his utilities have been approved with the exception of a *** *** charge, which was declined on April 2016.? ? On April, *** *** attempted a charge to *** *** in the amount of $35.99.? The charge was declined and *** *** was contacted.? He verified that the transaction was valid and, when he attempted the charge a second time, it was approved.? On April, our member attempted the above-mentioned charge to *** *** in the amount of $50.99; when the charge was declined, *** *** was again contacted for verification purposes.? He confirmed that the transaction was valid and the second attempt was approvedThese transactions were internet-based and our automated system identified them as suspiciousThe transactions in question followed a possible fraud trend and we were alerted as to a need for verification in each instance? Navy Federal strives to protect the safety and security of our members’ accounts while providing convenient and efficient service to our members at all times.? Our 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? Should he have any questions, *** *** may contact Eric M***, Supervisor, Card Fraud Prevention, at ###-###-####, extension 70498, 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 September 2016, submitted by our member, *** ** ***
Through our review of this matter, we concluded that *** *** is not a joint owner of her husband *** ***’s account; therefore, we
are unable to discuss his account with her During a call with our Contact Center representative on July, *** *** was informed that a separate checking account to which she was joint owner with *** *** had been closed We also advised her that her previous joint owner, *** ***, would need to contact us regarding any account activity
If *** *** has any questions, he may contact Kirstie Linaburg, Supervisor, Contact Center Resolution, at ###-###-####, extension ***, between the hours of 7:a.mto 3: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 ***.? We have thoroughly reviewed *** ***’s concern regarding the denial of his
first mortgage refinance application.? His denial was based upon his overall credit profile, which represented the culmination of all of his credit activity, not just that at Navy Federal.? *** ***’s credit profile did not meet either Navy Federal’s or the institutional investor’s guidelines for approval.? ? If *** *** feels that his credit report was inaccurate, he should contact the individual credit grantor(s) and have the firm(s) send corrected information to the four consumer reporting agencies? Should he have any questions, *** *** may call us at 1-888-842-NFCU (6328) at any time

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 *** ? We have thoroughly researched our member’s concerns.? On March 2017, Ms
*** requested to dispute transactions with *** *** *** for $and $89.74.? She stated that she no longer wanted the products she received, but the merchant would not assist with the return.? On March, provisional credits totaling $were issued to Ms***’s checking accountThe claim was investigated and we determined that no error occurredOn June, a final resolution letter was sent to Ms***, advising that the claim was considered closedHowever, on July we honored her claim as a courtesy, and the credits totaling $remain permanently in her account? If Ms*** has any questions, she may contact *** *** *** Debit Card Dispute, at *** extension ***, between the hours of 8:a.mand 4:p.m., Central time, weekdays

The following is in response to the complaint we received on September from the Revdex.com on behalf of *** **? ***.? The complaint was assigned an IDnumber of ***.? We have investigated our member’s concerns and determined that adjustments to the
information we provided to the credit bureaus were? warranted.? Therefore, we have requested that ***, ***, *** and *** delete loan number *** from our member’s credit bureau report.? The credit bureaus may take up to days to make corrections to their recordsFollquestions should be directed to Kathryn B***, Supervisor, Consumer Loan Servicing, by calling ###-###-#### between the hours of 8:00? 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 concerns.? On April,
Joel C***, Assistant Manager, Early Stage Collections, spoke with Mr***.? As discussed in that telephone conversation, Mr***’s credit card account had fallen past due because the automatic transfer was no longer set on our member’s account, and there were insufficient funds in his Navy Federal savings account to complete the minimum monthly paymentOur member’s credit card account has been corrected to show that the account has no delinquency history and will be reported as such to the nationwide consumer reporting agencies? Mr*** has asked that we again make transfers to pay his credit card account from his checking account in the future and we have made a notation in our records to begin the transfers on June 2016.? ? Should he have any questions, our member may call MrC*** at ###-###-####, extension 47607, between 8:a.mand 5:p.m., Eastern time, weekdaysTell 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.? New accounts were
opened for her on July when we were advised that Mrs*** believed that her existing accounts had been compromised.? We then discovered that the same device which was used to deduct the $4,in question from her savings account on July has been used since November to transact business on her accounts.? Therefore, the claim Mrs*** made was denied.? The restriction that had been placed on her accounts as a security measure was removed on August 2016.? ? Should she have any questions, Mrs*** may contact Jimmy R***, Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension 70067, between 8:a.mand 4:p.m., Central time, weekdays

This is in reference to complaint ID number ***, which was received by Navy Federal on July 2016, submitted by our member, *** ** ***.? We have spoken to *** *** and are working with her to resolve her concerns

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 thoroughly researched our member’s concerns.? Patrick W**, Supervisor,
Collections, contacted *** *** on March to advise that a thorough review of his credit card account was conducted.? ? *** *** contacted our office on November 2017, December 2017, and January to request payments to his Platinum *** credit card account from a *** *** checking account.? We reviewed our telephone calls and verified that our Member Service Representative confirmed the requested account number with our member.? However, the payments were returned reflecting an invalid checking account number from *** ***, and an email notification was sent to our member’s email address of record informing him of the rejected transfer.? It is the responsibility of the cardholder to contact us immediately to provide the correct information to prevent further returned payments.? ? We have reviewed our member’s Navy Federal tradelines with the four nationwide credit reporting agencies and verified his accounts are reporting correctly.? Navy Federal reports accurate data to the credit reporting agencies and will not request removal of valid information? If *** *** has any questions, he may contact Thi T*, Business Operation 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 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:? Thank you for the responseFirst I would like to address the credit reportingPer multiple recorded phone calls the counsellor has advised that there is no reporting to the credit agencies after the charge off is completedI find this to be due to the fact that each credit report has my payment history for each payment being made since beginning my repayment planI have been advised that the accounts only report when they have been paid in full, which is also falseCan you please address the misrepresentation from multiple counsellors in regards to the credit reporting? Also, I have no voicemails from 1/5/from anyone and more specifically from anyone with NFCU so the information that I was contacted and a voicemail was left is falseAs recent as 1/16/18, I received notification that there were changes on my *** and *** report in regards to NFCUUpon viewing the notification for the *** account, of the debts have been reopened with the 3rd remaining closedI am showing different variations of reporting across the major agenciesBelow is info from the ** report for the signa**re loans? showing the account is open and the last payment datePayment HistoryLast paymentJan 5, 2018Current Payment Sta**sIn Collections/Charge-offWorst Payment Sta**sNo InfoAccount DetailsAccount sta**sOpenTypeUnsecured LoanResponsibilityIndividualRemarksCharged off as bad debtTransferred to recoverTimes 30/60/days late0/0/0? Payment HistoryLast paymentJan 5, 2018Current Payment Sta**sIn Collections/Charge-offWorst Payment Sta**sNo InfoAccount DetailsAccount sta**sOpenTypeUnsecured LoanResponsibilityIndividualRemarksCharged off as bad debtTransferred to recoverTimes 30/60/days late0/0/0Secondly, I would like clarification as to why I am not eligible under the CFPB consentMore specifically the sections below- Misrepresented credit consequences of falling behind on a loan-Illegally froze members’ access to their accounts? I would also request that you review the recorded call between myself and "Mr***" from approxJuly It would be the first set of calls where I called to set up a payment planI called multiple times in the same dayFirst to set up a payment plan for $each check, then called back to try changing it to $but was advised that was not a large enough paymentI agreed to stretch to $and was advised that there was no way for the first $payments to be changed because they were "already submitted" even though it would be approxweeks for the first one and weeks for the 2nd oneI find this as being deceptiveThe payments could have been changed? Requests: Again, I request that my credit reporting be reviewed and adjusted to "No Info Reported" for each month after the charge offs and going forward
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:? Thank you for the responseFirst I would like to address the credit reportingPer multiple recorded phone calls the counsellor has advised that there is no reporting to the credit agencies after the charge off is completedI find this to be due to the fact that each credit report has my payment history for each payment being made since beginning my repayment planI have been advised that the accounts only report when they have been paid in full, which is also falseCan you please address the misrepresentation from multiple counsellors in regards to the credit reporting? Also, I have no voicemails from 1/5/from anyone and more specifically from anyone with NFCU so the information that I was contacted and a voicemail was left is falseAs recent as 1/16/18, I received notification that there were changes on my *** and *** report in regards to NFCUUpon viewing the notification for the *** account, of the debts have been reopened with the 3rd remaining closedI am showing different variations of reporting across the major agenciesBelow is info from the ** report for the signa**re loans? showing the account is open and the last payment datePayment HistoryLast paymentJan 5, 2018Current Payment Sta**sIn Collections/Charge-offWorst Payment Sta**sNo InfoAccount DetailsAccount sta**sOpenTypeUnsecured LoanResponsibilityIndividualRemarksCharged off as bad debtTransferred to recoverTimes 30/60/days late0/0/0? Payment HistoryLast paymentJan 5, 2018Current Payment Sta**sIn Collections/Charge-offWorst Payment Sta**sNo InfoAccount DetailsAccount sta**sOpenTypeUnsecured LoanResponsibilityIndividualRemarksCharged off as bad debtTransferred to recoverTimes 30/60/days late0/0/0Secondly, I would like clarification as to why I am not eligible under the CFPB consentMore specifically the sections below- Misrepresented credit consequences of falling behind on a loan-Illegally froze members’ access to their accounts? I would also request that you review the recorded call between myself and "Mr***" from approxJuly It would be the first set of calls where I called to set up a payment planI called multiple times in the same dayFirst to set up a payment plan for $each check, then called back to try changing it to $but was advised that was not a large enough paymentI agreed to stretch to $and was advised that there was no way for the first $payments to be changed because they were "already submitted" even though it would be approxweeks for the first one and weeks for the 2nd oneI find this as being deceptiveThe payments could have been changed? Requests: Again, I request that my credit reporting be reviewed and adjusted to "No Info Reported" for each month after the charge offs and going forward
Regards,
*** ***