Timothy E. Lynch, Inc.

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 *** ***’s complaint regarding her Navy Federal vehicle loan, and her discovery that the
vehicle has a salvage title
On June 2016, a Navy Federal representative spoke with *** *** and advised her that based on the circumstances surrounding the vehicle title, we have reverted her Annual Percentage Rate (APR) back to the original rate as of November She remains obligated for the loan
If *** *** has any questions, she may contact Therisa A***, Surpervisor, Collateral Control, at ###-###-####, extension ***, between the hours of 8: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 November 2015, submitted by our member, *** ** ***
We have thoroughly researched *** ***’s concerns regarding his used vehicle loan Navy Federal will continue to work with our
member to resolve this matter and, as a matter of member service, there will be no further financial obligation under this loan
If our member has any questions, he may contact Carrie M***, Legal Liaison, Consumer Servicing, at ###-###-####, extension ***, between the hours of 8:a.mand 4:p.m., Eastern time, Monday through Friday

The following references the complaint we received on 10? July from the Revdex.com on behalf of Navy Federal member [redacted].? The? complaint was assigned an ID number of [redacted].? Navy Federal has reviewed our member’s concerns.? Our representative
attempted to contact Ms.? [redacted] to discuss this matter on July and July, but was only able to? leave a message on both occasions? As? our member requested, we have refunded the $credit bureau fee charged in? connection with her application; the funds have been credited to her checking? account.? Should Ms[redacted] have any questions, she may call Tony? H[redacted], Regional Manager, Mortgage Operations, at ###-###-####, extension? 21001, between 7:a.mand 5:p.m., Eastern time, weekdays

The following references the complaint we received on March from the Revdex.com on behalf of *** ** ***The complaint was assigned an ID number of ***? Navy Federal has thoroughly reviewed *** ***’s concerns.? Following a full investigation, *** ***’s
claim of unauthorized transactions was denied.? *** *** and *** *** remain responsible for the negative balance of the joint checking account? Should *** *** have additional questions, she may contact Jimmy R***, Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension ***, between the hours of 7:a.mand 3:p.mCentral time, weekdays

The following references the complaint we received on June from the Revdex.com on behalf of *** ** ***.? The complaint was assigned an ID number of ***? We have researched our member’s concerns.? Navy Federal is required to validate each new member's
identity when new membership and accounts are established.? We may require specific documentation to comply with requirements in verifying identity and establishing membership eligibility.? Unfortunately, we were unable verify *** ***’s identity with the documents he sent in; therefore, his account was temporarily restricted ? Carrie M***, Supervisor, Security Operations Center, reviewed documentation submitted by *** *** and contacted him on June to advise that she removed the restrictions on the accountIn addition, *** ***’s savings account was processed for closure at his request, and a check in the amount of $was mailed to his address of record? If *** *** has any further questions, he may contact MsM*** at ###-###-####, extension ***, between the hours of 7:a.mand 3:p.m., Central time, weekdays

This is in reference to complaint ID number ***, which was received by Navy Federal on February 2016, submitted by our member, *** ** ***
As indicated in our response to Revdex.com complaint ID number ***, we reached out to *** *** *** and have agreed upon a plan to resolve
this matter
Questions regarding this matter may be addressed to Carrie M***, Legal Liaison, Consumer Servicing, at ###-###-####, extension ***, between the hours of 8: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 July 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 the decline of
*** ***’s business credit card request was justified and accurate based on our underwriting criteria for these products There were no irregular or discriminatory actions on the part of our representative Navy Federal does not discriminate in any manner, and did not discriminate against *** *** on any occasion
On July 2016, Andrew F*, Supervisor, Business Services, spoke with *** *** and explained the credit process to her and why she was declined She was advised that business credit lending standards are different from consumer lending standards and policy requires that all Navy Federal accounts be in good standing at the time of application, and hers were not *** *** was also advised that we can still process her application request for a $100,Business Line of Credit; however, the same business credit lending standards and policies would apply She decided to continue with the application
If *** *** has any questions, she may contact MrF* at ###-###-####, extension ***, between the hours of 8:a.mto 4: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 *** ? Navy Federal has thoroughly reviewed our member’s concerns.? According
to our records, Sergeant *** checking account was properly charged returned item fees between October and October 2017.? Although the fees were properly assessed, as a courtesy, we refunded the fees to his account.? Since we have made many courtesy refunds to Sergeant *** account for returned item fees that were properly assessed, we might not act favorably on future fee refund requests.? ? When an item is presented for payment to Sergeant *** checking account and sufficient funds are not available, the item will be returned unpaid and his account will be charged a returned item fee.? Information about fees charged can be found in our Important Disclosures, a copy of which is attached for Sergeant *** review? When Sergeant *** authorizes a merchant (payee) to debit his account via the Automated Clearing House (ACH), the payee’s financial institution is responsible for submitting the item to Navy Federal for payment.? If an ACH debit is not paid because of insufficient funds, the payee may reinitiate an attempt to collect the funds up to a maximum of two additional times ? To keep an accurate account balance, Sergeant *** should monitor his account to ensure that his outstanding transactions have paid and keep a transaction register to track his spending ? Should he have any questions, Sergeant *** may contact *** *** *** *** *** *** *** ***, at *** *** ***, between 7:a.mand 4:p.m., Central time, Monday through Friday

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 ***? Our representative was able to speak with *** *** on December regarding her
concerns.? *** *** was advised that Navy Federal had received the merchant’s letter indicating the transactions at issue were made due to their error, and that we had refunded the associated returned items fees assessed against her account? Should our member have additional questions, our Contact Center representatives are available to assist her hours a day, seven days a week, and can be reached by calling 1-888-842-NFCU (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 ***, and find that this resolution is satisfactory to me.?
Regards,
*** ***

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 the follcomplaint we received on May from the Revdex.com on behalf of Navy Federal member *** ** ***.? The complaint was originally assigned an ID number of ***.? Navy Federal has reviewed our records of *** ***’ used vehicle loan.? A copy of his signed Promissory Note has been mailed to the address provided.?

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 On November 2015, *** *** submitted a credit card
application via telephone A credit card agreement and disclosure accompanied the credit card which advised that balance transfers have no grace period and interest charges begin accruing immediately The disclosure also reflected that the rate of purchases and balance transfers were subject to the Annual Percentage Rate (APR) of 14.99% However, due to the prime rate increase effective February 2016, the rate is currently 15.24%
On November 2015, a payment in the amount of $2,posted to *** ***’s credit card which resulted in a $2,credit balance on her account During the period of November through November 2015, multiple purchase transactions posted to *** ***’s credit card totaling $4, These transactions deducted from the $2,credit balance, resulting in a balance owed in the amount of $2, On November 2015, a balance transfer in the amount of $1,processed to *** ***’s credit card bringing the total balance owed to $4, On November 2015, a purchase transaction in the amount of $posted to the account; in addition, an interest charge of $was assessed due to the balance transfer This brought the total November statement balance to $4,
Of the $4,November statement balance, $2,was owed in purchases at 14.99% and $1,was owed in cash advances at 14.99% The following interest charges have been assessed to date: $on November 2015, $on December 2015, $on January 2016, and $on February The remaining balance from the $1,balance transfer is $1,607.31, and interest will continue to accrue on that balance until it is paid in full Navy Federal does not assess a balance transfer processing fee
As requested, on March 2016, Navy Federal credited *** *** for her payment which posted to her credit card account on November in the amount of $2, As a result, her credit card account balance will increase by this amount
If *** *** has any questions, she may contact Joanna White, Supervisor, Credit Card Servicing, at ###-###-####, extension ***, between the hours of 7:a.mto 3:p.m., Eastern time, Monday through Friday

This is in reference to complaint ID number ***, which was received by Navy Federal on January 2017, submitted by our member, *** ** ***
We have thoroughly researched the concerns presented in our member’s complaint On December Ms*** deposited a check via our Scan
& Mobile Deposits service Proper procedure was followed in placing a hold on the release of funds On the same date, our representative advised Ms*** of the hold placed on the item The funds were made available on January
Navy Federal strives to provide efficient, accurate, and responsive service to our members at all times and we regret that this is not consistent with Ms***’ experience We will use this experience to educate our staff and help ensure other members do not have similar experiences
If Ms*** has any questions, she may contact *** ***, *** *** *** Security Operations Center, at *** *** *** between the hours of 8:a.mto 5:p.m., Eastern time, Monday through Friday

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 our member’s concerns.? *** *** called
Navy Federal on May and stated she wanted to place a stop payment on check number ***.? Per our member’s request, the stop payment was placed on check ***.? ? In the process of setting up a stop payment for a check, we also request the amount of the check and payee name as this information is useful in certain cases? There was no error committed by Navy Federal in this instance.? Therefore, Navy Federal will not refund our member the $1,350.00.? If *** *** chooses, she may seek a refund from the contractor.? ? Should *** *** have any questions, she may call MsKarri C***, Resolution Specialist, Contact Center, at ###-###-####, extension ***, between the hours of 2:a.mto 10:00? a.m., Eastern time, Monday through SaturdayTell us why here

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 the concerns presented in our member’s complaint and concluded that no Navy Federal error occurred On September,
Navy Federal replied to *** ***’ eMessage inquiry dated September which directly relates to this complaint In our reply, we provided detail on the Automated Clearing House (ACH) transactions which caused her account to incur nonsufficient funds fees In addition, we explained the ACH debit process when an ACH transaction attempts to debit an account and the payee’s resubmission of those ACH transactions when they are not paid
We also advised *** *** that she requested the Optional Overdraft Protection Service (OOPS) on September; therefore, OOPS was not in place when the transactions (related to the nonsufficient funds fees) attempted to debit our member’s account
On September, Dorothy N***, Contact Center Resolution Specialist, attempted to reach *** *** to discuss her account MsN*** was only able to leave a voice message with her contact information As a courtesy, on September we credited *** ***’ account for seven nonsufficient funds fees
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

[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 HAVE in fact provided NUMEROUS documents to verify my identity? I have also attempted to call the person listed in the first response to no avail? I have quite literally called times but only reach voicemail? I have had NO PHONE CALLS, NO TEXTS, NO EMAILS from NF and I would like proof that they have attempted to reach me? I am quite certain this is just what they are supposed to say so they can pass the buck? I have tried to call and get information but of course not a single person can answer even the simplest question? I am looking into the ramifications and legalities of issuing a check such as they did to then not pay it when it came through the banking system? I am quite certain there are some legal issues at stake? I am out my car, my credit and my emotional distress from this entire HORRIBLE ordeal with these yahoos! ? I want my complaint posted publicly so others won't be scammed by these people? What they are doing is criminal!
Regards,
Rob Smith

This is in reference to a complaint we received on December from the Revdex.com on behalf of Navy Federal member [redacted]? The complaint was assigned an ID number of [redacted] ? We have thoroughly reviewed our member’s concerns.? Our records show that on
October 2017, Mr[redacted] deposited a check through Navy Federal’s Mobile Banking feature.? Although Navy Federal placed a hold on the funds for two business days, the check was returned as altered on October.? When a check is returned, the funds are debited from the member’s account and a returned deposit fee is assessed in accordance with the Mobile Deposit Terms and Conditions.? Mr[redacted] authorized a transaction on his checking account on October which overdrew his account as a result of the reversal of the returned check’s funds.? Navy Federal transferred funds from Mr[redacted]’s Money Market Savings Account to correct the overdrawn balance in the checking account.? If there is a balance owed on an account, Navy Federal is permitted to transfer funds from other accounts owned by the member to correct the amount owed.? ? Should Mr[redacted] have any questions, he may contact [redacted], Financial Crimes and Risk, at [redacted] between 7:a.mand 4:p.m., Central time, Monday through Friday

This is in reference to the follcomplaint we received on January from the Revdex.com on behalf of Navy Federal member *** ** ***.? The complaint was originally assigned an ID number of ***? Thank you for the opportunity to address our member's concern? At Navy Federal, our members are always our first priority? If members fall into default on a loan, we always work with our members to resolve the matter in a fair and reasonable manner? In this case, *** *** has received clear written guidance and the name and contact information of the attorney authorized to resolve his claim

[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 just a statement of the faulty process they currently have in placeA credit inquiry should not be done until I submit the applicationNot while fill it outEither way I understand it is difficult to review banking processes and will be sure not to apply for a mortgage with a bank that works things backwards.?
Regards,
*** ***