Timothy E. Lynch, Inc.

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 regarding his variable rate credit
card opened in The decision to reduce an Annual Percentage Rate (APR) is based on account management and pricing guidelines Our review of *** ***’s account confirms that, based on our guidelines and his current account history, *** *** is receiving the lowest APR we can offer him at this time
Should *** *** have additional questions, he may contact June B***, Credit Card Loan Officer, at ###-###-####, extension ***, between the hours of 7:a.mand 3:p.m., Eastern time, weekdays

This is in reference to complaint ID number ***, which was received by Navy Federal on November 2016, submitted by our member, *** ***
We have thoroughly researched the concerns presented in Mr***’ complaintThrough our investigation, it was determined that the Navy Federal
Membership Savings and EveryDay Checking accounts and the Vehicle Loan account opened in his name on and March 2016, respectively, were a result of identity theftOn November 2016, the accounts were closedOn the same date, Kevin T***, Senior Investigator, contacted Mr*** regarding the fraudulent activity and provided him information on his identity theft claim
We have sent a letter to the four major credit reporting agencies requesting that they remove the vehicle loan tradeline and inquiries related to the applications for Navy Federal products and services, from Mr***’ credit reportOur experience has shown that it may take up to days for such updated information to appear in a credit file
If Mr***’ has any questions, he may contact Jimmy R***, Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension 70067, between the hours of 7:a.mto 3:p.m., Central 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: [redacted]
I am rejecting this response because:Date Sent: 3/22/12:57:PM[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: [redacted]I am rejecting this response because:I wasn't aware of signing any agreement.? Regards,[redacted]?
Regards,
[redacted]

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 complaint.? We have reviewed all telephone calls to our Contact Center from *** *** during the months
of February and March 2016, and have found no instance of any inappropriate interaction by our Member Service Representatives? In order to further research our member’s concerns regarding items which have posted to her account, we request that *** *** provide specific information regarding any transactions in question, including the date and amount of the items.? If *** *** believes that an unauthorized Automated Clearing House debit has posted to her account, she should complete and return the attached Written Statement of Unauthorized Debit? Questions regarding this matter may be directed to Vivian B***, Savings and Checking Operations Specialist III, at ###-###-####, extension 39012, between the hours of 7: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 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 June 2016, submitted by our member, *** ** ***
We have thoroughly researched the concerns presented in our member’s complaint regarding the Optional Overdraft Protection Service (OOPS) fees
assessed to her checking accountWe have determined the fees were assessed correctly
We have previously waived valid OOPS fees for *** *** on July 2015, July and October As a final courtesy, on June we credited *** ***’s account a total amount of $for the two $fees assessed on May In the future, we are unable to waive any additional fees, unless due to a Navy Federal error
Navy Federal's nightly processing is between the hours of 12:a.mto 6:a.m., Eastern time, Monday through Friday, excluding Federal HolidaysDuring this processing time transactions are postedTo avoid fees, sufficient funds should be on deposit and available for use before issuing payments or authorizing transactionsIn order to keep an accurate balance, members are encouraged to monitor their accounts to ensure that outstanding transactions have postedIf any transactions have not cleared and members continue to make transactions without sufficient funds, they are responsible for any fees assessed
If *** *** has any questions, she may contact Patricia W***, Savings and Checking Operations Specialist, at ###-###-####, extension ***, between the hours of 6:a.mto 4:p.m., Central time, Monday, Wednesday, Thursday and 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 ***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 ***

[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 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.? When a
loan for a used vehicle is issued for less than $3,000.00, the maximum term limit is normally months.? However, since *** *** *** requested a 60-month loan and had budgeted accordingly, as a courtesy, we have adjusted his loan.? The loan now reflects monthly payments of $55.63; a new Promissory Note reflecting the changes has been sent directly to our member.? Should he have any questions, he may contact Janice D***, Supervisor, Loan Officer, at ###-###-####, extension ***, between 7:a.mand 4: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]
? Complaint: ***
I am rejecting this response because:i requested Navy Federal to provide me with the exact account numbers on all my lines before they sold the debt to *** *** Please send me account details on all my lines so my attorney can review them since this is no longer an investigation I request them with in seven daysRegards,
*** ***?

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.? Our records indicate
that Ms*** has not provided all the required documents required to validate her current address and her membership eligibility.The $fee for expedited *** shipping requested by Ms*** for her credit card and the interest that had accrued on her credit card have been refunded.? In addition, we have sent a request to the nationwide credit reporting agencies to remove the delinquent reporting of Ms***’s credit card from her credit file.? Please note, it make take the credit reporting agencies up to days to have this update reflected on our member’s credit file.? On December, Navy Federal attempted to speak with Ms*** regarding her credit and debit cards, but we were only successful in leaving a voicemail requesting she call us back.? Ms***’s cards are now available for use.? Once all documents have been received, Ms*** may contact our Collections Department at ###-###-#### to inquire about having the late mark removed from her credit report

This is in reference to complaint ID number ***, which was received by Navy Federal on February 2016, submitted by our member, *** ** ***
We have thoroughly investigated our member’s concerns Through our review of this matter, we concluded that the fees which have been assessed
to *** ***’s account are valid Federal regulations limit the number of certain types of transfers and withdrawals out of a savings account to six per month Navy Federal has properly informed *** *** of this federal regulation during telephone conversations with her, through various disclosures, and it is also advised when a member utilizes our mobile application service Members are advised of their remaining federal regulation transfers when processing transfers via their Navy Federal Online® Account Access, our mobile application, and telephone Additionally, on July 2014, we mailed *** *** Navy Federal’s Important Disclosures booklet, which informs members of the federal regulation limiting transfers, and our Optional Overdraft Protection Service (OOPS) disclosure
On November 2014, *** *** opted into our OOPS and was provided a copy of our disclosure statement, which details OOPS fees She was again provided our OOPS disclosure statement in January On January 2015, we explained to our member how the account funding processes and advised her of pending transactions Since July 2014, the established date of *** ***’s Navy Federal checking account number ending in 455, we have credited numerous valid OOPS and returned check fees to her account as a courtesy In addition, during our conversation with *** *** on February 2016, she was not advised that fees were being credited or that no other fees would be assessed
In response to Navy Federal’s mobile application not providing real time and accurate information, our members are advised once they have signed into our mobile application that “Balances may reflect transactions that have not yet posted to your account.” *** *** was also advised of this information during a telephone conversation with our representative in June
Due to circumstances beyond our control, it was necessary that we update *** ***’s social security number in our system Once *** *** provided the necessary documents, the update was processed Unfortunately, we are unable to access information relating to *** ***’s previous request for an account audit and we regret that this cannot be provided
*** *** has been advised on the functionality of her accounts In the future, we will not credit any additional fees, unless due to a Navy Federal error If *** *** has any questions, she may contact Kirstie L***, Supervisor, Contact Center Resolution, at ###-###-####, extension 51720, between the hours of 7:a.mto 3: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 Administratively Resolved]
? Complaint: ***
I am rejecting this response because: Per my conversation with ***, *** and *** - Navy Federal is still reporting this as my accountThis should not be on my credit report at all and I request that Navy Federal Remove this account from my file immediately.? At this point they are reporting information to my report that is very inaccurate.? There should be nothing for them to report since this is mot my account
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:? This account number does not belong to *** *** ***? It belongs to *** ** ***.? The complete account number for *** * *** is Acct# *** according to the attached letterBut, according to the credit bureau it reads: *** and was opened 09/01/2008, with a balance amt of $1,753.00, and the status is:? Charged Off.? Again, I would like to have my name completely removed from this account.? THIS ACCOUNT DOES NOT BELONG TO ME OR TO *** *** ***
Regards,
*** ***

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 reviewed our member’s concerns.? We have refunded a total of
$in fees that were charged to *** ***’s checking account number xxxxxxx*** as a result of a miscommunication concerning her husband’s direct deposit.? We regret the inconvenience and concern *** *** was caused.? In addition, we have credited $to her account as reimbursement for any outside fees she incurred as a consequence of this situation.In an effort to ensure that *** *** does not encounter such difficulties in the future, we advised her that the directdeposit could be distributed to an account in her husband’s name or she could designate her husband as the joint owner of her *** checking account.Tell us why here

From:? Revdex.com of Metro Washington DCDate: Tue, Sep 13, at 4:PMSubject: Fwd: Complaint # *** resolvedTo: *** *** ---------- Forwarded message ----------From:? *** ***? Date: Tue,
Sep 13, at 3:PMSubject: Complaint # *** resolvedTo:? [email protected] *** has been resolvedMy membership was accepted today.? Please close this complaint.--?

This is in reference to complaint ID number ***, which was received by Navy Federal on May 2016, submitted by our member, *** ** ***.? We have thoroughly researched the concerns presented in our member’s complaint regarding the unauthorized access to her daughter’s checking
account number ending in *** of which she is joint owner.? ? Through our investigation of this matter, the *** checking account was charged off due to a loss suffered as a result of *** ***’s daughter’s actions.? With no new information to counter our findings, our determination remains the same.? We have confirmed that the charged off account is not being reported to the nationwide credit reporting agencies.? If *** *** has any questions, she may contact Robert S***, Assistant Vice President, Security Operations Center, at ###-###-####, extension ***, between the hours of 8:a.mto 5:p.m., Eastern time, Monday through Friday.? ?

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 We have validated all
required documents and have removed all restrictions from Ms***’s account; she now has full access to her account and our services
Navy Federal does not discriminate
Should Ms*** have any questions, she may contact Jimmy Rogers, Assistant Vice President, Financial Crimes and Risk, 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 April 2016, submitted by *** ** ***? We have thoroughly researched *** ***’s concerns regarding payments to her son’s credit card and consumer loan accounts.? According to our records
*** *** authorized payments to the accounts, with the dates and amounts of the payments agreed upon and confirmation numbers provided for each transaction, during her telephone conversations with our representatives.? We have no record of a request to cancel the payments authorized by *** *** to occur on and April.? These payments were subsequently returned due to non-sufficient funds.? Since the payments were processed in accordance with *** ***’s authorization, reimbursement will not be provided for fees assessed by another financial institution resulting from non-sufficient funds? Kevin F*, Assistant Supervisor, Collections, contacted *** *** on April.? As requested, we have canceled all future payments.? However, as advised by MrF*, payments which had previously been authorized by *** *** to be completed on April had already been processed and could not be canceled.? ? If *** *** has any additional questions regarding this matter, she may contact Gregory G***, Manager, Collections, at ###-###-####, extension 70811, between the hours of 8:a.mand 5:p.m., Central time, Monday through Friday

This is in reference to complaint ID number ***, which was received by Navy Federal on December 2016, submitted by our member, *** ***
We have thoroughly researched the concerns presented in our member’s complaint Our records show that on November 2016, Mr***
updated his contact information via his Navy Federal Online Banking Our member added his telephone number which updated our system resulting in the generated phone calls during the period of November through December regarding his Navy Federal accounts We have removed Mr***’s phone number from his profile and placed a note on his account to prevent future calls To avoid this situation in the future, we ask that he refrain from adding a contact number to his profile Should our member decide that he would like to discuss his accounts, he may call us at ###-###-#### and advise that he would like phone communication to resume
If Mr*** has any questions, he may contact Caitlin W***, Assistant Manager, Late Stage Collections, at ###-###-####, extension ***, between the hours of 8:a.mand 5:p.m., Central time, Monday through Friday