Timothy E. Lynch, Inc.

[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: The loan in question is due on the 1st of every month, per the contract that we signed and per the copy of the contract that Navy Federal supplied to usNo other agreement was signed nor accepted to change the due date or any terms of the contractNavy Federal also tried in the last two weeks to say we didn’t pay over $worth of bills and charges from the mergerUpon dispute of these charges Navy Federal admitted they were incorrect and gave us the money backDuring the merger they also removed the joint owner from all accounts and their access without my permission or the joint owners permissionAlso, we have called the number provided by Navy Federal numerous times regarding this issueWe are told that we are correct there is no signature on file changing the terms of the loan, that the contract they have says the due date is the 1st of every month but that there is nothing they can do to help usRepresentatives have told us we are right but there is nothing they can doWhy won’t anyone help us? Why are contracts not honored by Navy Federal Credit Union?
Regards,
*** ***

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 ***
We have confirmed the accounts referenced in Ms***’ complaint are valid debts We have
verified that these accounts are reporting accurately and we will not request a change to Ms***’ credit file as we report fair and accurate data to all major credit reporting agencies Ms*** is responsible for the repayment of these debts
If Ms*** would like to arrange payment, she should contact our Recoveries Branch at ###-###-####, between the hours of 8:a.mand 11:p.m., Eastern time, Monday to Friday, and 9:a.mto 5:p.m., weekends

The following references the complaint we received on May from the Revdex.com on behalf of Navy Federal member *** ***.? The complaint was assigned an ID number of ***? We have thoroughly researched the concerns presented in our member’s
complaint.? Joel C***, Assistant Manager, Early Stage Collections, attempted to reach Mr***; however, he was only able to leave a message.? Through our review of this matter, we concluded that Navy Federal has not misinformed Mr*** regarding his used vehicle and personal loan accounts.? However, we refunded two late payment fees of $each to his savings account as a courtesy? Mr***’s loans remain past due.? Although both accounts were brought current by our Personal Finance Management staff in March, the first payments received were reverted to *** Bank; should he have any questions about the return of the funds, Mr*** should contact *** Bank.? At this time, both loans are past due and no other adjustments will be made.? Furthermore, while we strive to work with our members when they encounter financial hardship, we do not provide the type of compensation requested by our member ? If Mr*** has any questions, he may contact MrC*** at ###-###-#### between 8:a.mand 5:p.m., Eastern time, Monday through Friday

This is in reference to the follcomplaint we received on August from the Revdex.com on behalf of Navy Federal member *** ** ***.? The complaint was originally assigned an ID number of ***? Navy Federal has reviewed *** ***’ concerns.? We regret that our initial reply contained the incorrect account holder’s nameWe had correctly removed *** ***’ name as authorized user from the MasterCard account of *** ** *** and had requested that the four consumer reporting agencies update her data by removing the tradeline from her credit report.? We have reviewed *** ***’ credit file and verified that the credit card account has now been removed from all four agencies? Should *** *** have any additional questions, she may contact Joanna W***, Supervisor, Credit Card Servicing, at ###-###-####, extension ***, 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, *** ** ***
We have thoroughly researched our member’s concerns *** *** applied for a 30-year U.SDepartment of Veterans Affairs (VA)
Interest Rate Reduction Refinancing Loan (IRRRL), and requested cash back at closing Current VA guidelines do not allow for cash back on an IRRRL The loan was converted at our member's request to a 30-year fixed VA cash-out refinance *** *** opted to have all costs included in the principal amount financed and receive $20,at closing
The original mortgage was taken out in April for a loan amount of $405,with payments of $2, The new loan request was for $427,with an estimated payment of $2, However, the appraised value of the property came in below the amount of the requested refinance, which prevented our member from receiving cash back at closing As a result, *** *** requested to cancel the application
When our member submitted his loan application, he was advised that the fees for the required credit report and appraisal were non-refundable On August 2016, *** *** provided his written intent to proceed with the application and gave authorization for Navy Federal to collect the appraisal fee Additionally, he was required to have a termite inspection completed prior to his loan closing; the inspection company was selected by him and he was responsible for the associated expense; this fee was not collected by Navy Federal These fees will not be refunded

[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,
C***r ***

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 Based on the additional
information received, we have reopened our investigation of Ms***’ claim In addition, we have issued a provisional credit of $to her EveryDay checking account We will notify Ms*** of our determination once our investigation is complete
We strive to provide courteous and accurate service at all times and regret that our member feels that she was not afforded such in this instance
Should she have any questions, Ms*** may call Brad J***, Assistant Supervisor, Card Fraud Recovery, at ###-###-####, extension 70313, between 9:a.mand 5:p.m., Central 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 reviewed *** ***’s concerns related to her deposit submitted through our online
deposit service on January Our online deposit service notifies users that deposits of greater than $1,are subject to a two-day hold, as stated in our Funds Availability policy A credit was placed on the account to give *** *** access to funds However, *** *** should note that our Funds Availability policy, including any applicable holds, will apply to her future deposits A copy of the policy is attached for her reference
Should *** *** have additional questions, she may call our Contact Center hours a day, seven days a week, by calling 1-888-842-NFCU (6328)

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 reviewed our member’s concerns.? Because we are a federal
credit union, we are allowed to extend membership only to persons who fall within our field of membership, as approved by the National Credit Union Administration, which regulates federal credit unions.? We must confirm that a prospective member is within our field of membership, and sometimes require additional documentation in order to verify this information and his or her identityAs a courtesy, however, we have taken action to allow *** *** to make loan payments electronically.? She may also make payments via mail or in person at a branch office? Should she have any questions, *** *** may call Lisa T***, Membership Officer, at ###-###-####, extension ***

This is in reference to complaint ID number ***, which was received by Navy Federal on March 2016, submitted by our member, *** ** ***
We have researched our member’s concerns Matthew K***, Contact Center Resolution Specialist, attempted to contact *** *** on
March; however, the telephone number on file is no longer working We have reviewed telephone calls referenced in our member’s complaint and we made no guarantee regarding our ability to recover funds transferred via an Automated Clearing House (ACH) transfer Further, we have found no instance of any inappropriate interaction by our Member Service Representatives
According to our records, our member logged onto her account online on January and initiated a one-time ACH transfer to an external account On February, *** *** contacted Navy Federal to request that the funds be returned to her account; however, we were unable to recall the funds due to the length of time that had passed since the transaction was processed Our subsequent effort to recover the funds was denied by *** ** *** because the external account was closed
Questions regarding this matter may be addressed to Tandy I**, Supervisor, ACH Origination, at ###-###-####, extension ***, between the hours of 7:a.mand 3:p.m., Eastern time, Monday through Friday

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 the concerns presented in our member’s complaint regarding the processing of his U.SDepartment of Veterans Affairs (VA) mortgage loan.? As advised in our previous response to the Revdex.com on February 2016, during the loan verification process we found that *** ** ***’s original employment information which was provided to us by *** no longer applied.? This caused timely delays to the application process as *** no longer qualified for a year VA loan.? When *** agreed to change to a year loan term he also agreed to the market rate of 3.625%.? Navy Federal worked with *** to find a viable solution that he accepted by executing the closing documents.? ? Navy Federal does not discriminate in any manner, and did not discriminate against **and *** *** on any occasion.? Additionally, we regret our misunderstanding regarding ***’s request for no further contact and we will follow procedures when contacting him going forward.? If *** has any questions, he may contact us at 1-888-842-NFCU (6328), hours a day, days a week

This is in reference to complaint ID number ***, which was received by Navy Federal on March 2016, submitted by our member, *** ** ***? We have thoroughly researched our member’s concerns.? Joel C***, Assistant Manager, Collections, spoke with *** *** on March
and has resolved the issues presented in our member’s complaint.? According to our records, our member’s regularly scheduled transfer to his new vehicle loan in December was not completed due to insufficient funds in his checking accountThis caused the loan to become past due, and a notice was sent on February 2016.? A payment was transferred from *** ***’ checking account to the loan on February 2016, in accordance with the terms of the Promissory Note for his loan.? ? As our member requested, we have reverted the payment to his checking account, and an associated returned item fee of $was refunded to *** ***’ account.? Late fees for the months of January and February were waived as a courtesy to our member.? An interest adjustment on his Checking Line of Credit will be completed after interest is assessed for the billing cycle.? ? Questions regarding this matter may be directed to MrC*** at ###-###-####, extension ***, between the hours of 8:a.mand 5:p.m., Eastern time, Monday through Friday

---------- Forwarded message ----------Thank you for your excellent helpMy complaint was resolved satisfactorily

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 ***.We have thoroughly reviewed our member’s concerns Mr***’s loan requests were not
denied due to the purpose for which the funds were needed but rather due to our being unable to verify his income When Lisa P***, Supervisor, Loan Officer Section I, contacted Mr*** by phone on December in response to his complaint, she confirmed his correct employment information His loan applications had listed his former employer, which was why we were unable to verify his income On December, Mr***’s Navy Federal accounts were reopened at his request, and he submitted another loan application, which was approved.The manager of our Ballston Branch, Abigail L***, also spoke with Mr*** by phone on December and apologized for his experience at the branch Every effort will be made in the future to ensure that Mr*** receives the accurate and efficient service to which he is entitled Should Mr*** have any questions, he may call MsP*** toll-free at ###-###-####, extension ***, between 9:a.mand 5:p.m., Central time, weekdays

The following references the complaint we received on May 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*** *** exceeded the limit of
transfers that can be displayed onlineTherefore, he may not be able to view all of his scheduled transfers until the prior transfers have been purged from the system
Jackie M***, Supervisor, Savings and Checking Operations, contacted *** *** by telephone on JuneOur member was advised of the limitation in the number of viewable scheduled transfers onlineIn accordance with his request, his checking account ending in number *** was closed and any transfers related to the account have been deleted
We regret the inconvenience caused by this situationShould *** *** have any questions, he may call Felicia W***, Business Systems Analyst, at ###-###-####, extension ***, between 9:a.mand 5:p.m., Eastern time, weekdays

---------- Forwarded message ----------From:? ** ***? Date: Tue, Feb 23, at 10:AMSubject: #***To: "[email protected]" I am informing you that we contact? Navy Federal Credit Union again about case #***, informed we
filed? the complaint to Revdex.comThis time different customer represent answered and within minutes he sent us gift card $electronically.? He promised the first represent,? *** *** the supervisor of redeem department, her? action was not the protocol and make sure it's not happening again.? We are not satisfied the supervisor's action, she should not be in that kind of position but for the this matter,? case #*** we consider it's closed.Thank you for all of your work and protection for both consumers and businesses.? Warm regards.? ** ***?

The company has not stated how they- Navy Federal has advocated for me as a customer and not siding with the merchantThey did nothing to assist in the resolution

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.? Navy Federal strives
to provide efficient and responsive service to our members at all times, and we regret that this is not consistent with our member’s experience.? ? Adam H***, Manager, Mortgage Origination, contacted *** *** on March and advised that he would be assigned to a new Loan Officer.? The mortgage loan is currently still in progress and will be monitored closely to ensure no further issues occur? If *** *** has any questions, he may contact Tony H***, Regional Manager, Field Mortgage, at ###-###-####, extension ***, between the hours of 8:a.mand 5:p.m., weekdays

The following is in response to the complaint we received on July from the Revdex.com on behalf of [redacted].? The complaint was originally assigned an ID number of [redacted].There is no further action for Navy Federal to take at this time.? We consider this case to be closed

[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.? The update has already taken place with the credit bureaus
Thank you M** ***
M*** ***