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 Administratively Resolved]
? Complaint: ***
I am rejecting this response because:The agreement made when I expressed permission to run my credit was not honoredThey ran my credit but did not do their part to verify my incomeThis is not a fair outcome and not a fair way to treat customers
Regards,
*** ***

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 investigated our member’s concern***
***’s business checking account ending in number was opened on July On February 2016, *** *** reported a dispute with *** in the amount of $679.85, due to non-receipt of credit from the merchantNavy Federal sent *** *** a letter on February explaining that a provisional credit had been applied to her account, but may be removed should it be determined that no billing error had occurredOn February, we received a second dispute from *** *** regarding the same merchant in the amount of $241.41; at that time we again advised *** *** of the provisional credit ? Based on the information we requested and received from the merchant on *** ***’s behalf, we determined that no billing error had occurred.? We sent subsequent notifications on March and March regarding both claims advising *** *** that without additional information supporting her claims, we would be closing them and reversing the provisional credits in days.? Due to non-receipt of supporting documentation, we reversed the provisional credits on March and March respectively, which caused her account to become overdrawn.? We advised her of her negative balance via letter on April.? *** ***’s account was charged two $fees for returned items as a result of her negative balance? *** credited *** ***’s business debit card account on July in the amount of $219.65, and Navy Federal was advised by our member that the remainder of the disputed amount was given to her by *** as a *** credit; therefore, the dispute has been resolvedAs a courtesy, Navy Federal refunded the returned item fees of $to her business checking account ending in 600, as well as a $miscellaneous fee that may have been charged by *** as a late feeThis represents all of the fees that have been assessed to her business account ? *** ***’s business checking account remains overdrawn in the amount of $606.24; this amount was charged to our reserves as a loss to the credit union on May We would welcome the opportunity to work with our member to make payment arrangements for the remaining overdrawn balance of the accountShe may contact a Collections Counselor at ###-###-####, extension ***, between the hours of 8:a.mand 6:p.m., Eastern time, Monday through Friday ?
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 investigated our member’s
concern*** ***’s business
checking account ending in number was opened on July On February 2016, *** *** reported a
dispute with *** in the amount of $679.85, due to non-receipt of credit from
the merchantNavy Federal sent *** *** a letter on February explaining that a provisional credit had been
applied to her account, but may be removed should it be determined that no
billing error had occurredOn
February, we received a second dispute from *** *** regarding the same
merchant in the amount of $241.41; at that time we again advised *** ***
of the provisional credit
?
Based on the information we requested and received from the
merchant on *** ***’s behalf, we determined that no billing error had
occurred.? We sent subsequent
notifications on March and March regarding both claims advising *** ***? that without additional information supporting her claims, we would
be closing them and reversing the provisional credits in days.? Due to non-receipt of supporting
documentation, we reversed the provisional credits on March and March
respectively, which caused her account to become overdrawn.? We advised her of her negative balance via
letter on April.? *** ***’s
account was charged two $fees for returned items as a result of her negative
balance
?
*** credited *** ***’s business debit card account
on July in the amount of $219.65, and Navy Federal was advised by our member
that the remainder of the disputed amount was given to her by *** as a
*** credit; therefore, the dispute has been resolvedAs a courtesy, Navy Federal refunded the returned
item fees of $to her business checking account ending in 600, as well as
a $miscellaneous fee that may have been charged by *** as a late feeThis represents all of the fees that have been
assessed to her business account
?
*** ***’s business checking account remains overdrawn
in the amount of $606.24; this amount was charged to our reserves as a loss to
the credit union on May We
would welcome the opportunity to work with our member to make payment
arrangements for the remaining overdrawn balance of the accountShe may contact a Collections Counselor at
###-###-####, extension ***, between the hours of 8:a.mand 6:p.m.,
Eastern time, Monday through Friday
?

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 *** ***’ concern regarding her loan
application at Navy Federal.? Our records reflect that a loan application was submitted on July 2016, and the loan purpose was updated from personal expense to consolidation to accurately reflect the intent of the loan.? The change in purpose of the loan did not have an effect on the APR initially assigned to the application.? *** *** qualified for the APR rate based on Navy Federal’s lending criteria.? Our rate scale assigns a rate based on various factors, such as: an individual’s credit history, the purpose of the loan, the loan terms and the member’s current credit score.? ? Our records indicate that the loan terms, including rate and monthly repayment amounts were reviewed with *** *** prior to her acceptance of the loan.? *** *** called Navy Federal on July to cancel the consolidation loan.? Cancellation of the loan was completed on July? Janice D***, Supervisor, Loan Officer, attempted to contact *** *** to discuss her loan application, but was unsuccessful.? If *** *** should have any questions, she may contact MsD*** at ###-###-####, extension ***, between the hours of 7:a.mand 4:p.m., Eastern time, Monday through Friday

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 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.? On December,
Mr*** spoke with a mortgage staff member who advised our member that we would extend the original interest rate requested at application until December.? His loan is due to close on December ? Should he have any questions, Mr*** may contact Dee Onassis, Assistant Manager, Mortgage Processing and Closing, at ###-###-####, extension ***, between 8:a.mand 4:p.m., Central time, weekdays

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 ***.? We have thoroughly researched *** *** ***’s concern regarding the
restrictions on her accounts.? After receiving suspicious phone calls, an alert was places to secure our member’s accounts from potential unauthorized activityIn order to remove the alert, she needs to visit a branch office or make her request in writing via mail, fax or scanned letter through her online account access.? If *** *** *** makes her request in writing, she must provide a copy of a valid government issued photo ID? If *** *** *** has further questions, she should contact Kyla S***, Resolution Specialist, at ###-###-####, extension ***, between the hours of 6:a.mand 3:p.m., Eastern time, Monday through Friday

This is in reference to a follcomplaint, ID number ***, which was submitted by our member, *** * ***
Navy Federal has provided a detailed response to *** ***'s concerns As previously indicated, Navy Federal properly followed all VA procedures while processing our member’s appeal In addition, Navy Federal obtained and provided a copy of the Boundary Survey to *** *** as he requested We have confirmed that the Boundary Survey was delivered to our member on February

[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: there was no responses giving to me in October of last year besides show ? O proof of identification a long with a states ID an there would be a way to reopen a ne checking an savings due to the reason the account was locked was no fault of my own being my account was hacked an compromised without my knowledgeSo whatever response that was sent was not sent to me in Korea where I tried restarting and reopening my account
Regards,
*** ***

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 reviewed our member’s concerns.? On April, *** *** called Navy Federal to
dispute a debit made by *** for a hotel reservation which had posted to his account on April.? At that time, he stated that he had made a reservation at the hotel in question but had later attempted to cancel the reservation.? A provisional credit of $was placed on his account on April; however, our review of his claim found that no error had taken place with respect to the transaction.? Therefore, on June, a letter was sent to *** *** advising of the results of the investigation and that the provisional credit would be removed.? On July, the credit was removed and, on August, *** *** spoke with a Navy Federal representative, during which conversation he claimed that he had not made a purchase through *** and that he was a victim of fraud.? When a member makes a claim of fraud, we deactivate his or her *** Check card to protect Navy Federal as well as the individual.? We can expedite the delivery of a new card to ensure that he or she suffers as little inconvenience as possible.? Although this option was offered to *** ***, he declined to take advantage of the service as he stated he wastraveling; he went to our Gainsborough Branch, located in Chesapeake, Virginia, and received a new card.? In addition, acredit of $was applied to his checking account on August in the interest of member service

This is in reference to a 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.? Our records show that on
October 2017, Mr*** 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*** 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***’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*** have any questions, he may contact *** *** *** *** ***, Financial Crimes and Risk, at *** *** *** between 7:a.mand 4:p.m., Central time, Monday through Friday?

The following references the complaint we received June from the Revdex.com on behalf of Navy Federal member *** ** ***? The complaint was assigned an ID number of ***? We have thoroughly researched *** ***’s concern regarding his Platinum ***
account.? Our records indicate that on September 2015, *** ***’s billing cycle closed with a $minimum payment due by October 2015.? The minimum payment was not received by the due date.? Our records reflect that the September statement and the attached payment request were sent to our member’s address of record via the U.SPostal Service? We attempted to contact *** *** on November 2015, and left a voice mail for him to call Navy Federal.? We contacted *** *** again on November, at which time he made the payment to bring his account current? We report accurate data to all of the major reporting agencies, and cannot remove the late payment from *** ***’s credit report? Should *** *** have further questions, he may contact Carrie M***, Research and Documentation Liaison, at ###-###-####, extension 44926, 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 December 2015, submitted by *** ** ***
We have thoroughly researched our member’s concerns According to our records, *** *** filed for Chapter Bankruptcy protection on October 2010; the
bankruptcy was discharged on February At the time our member filed for bankruptcy protection, the balances of the following loans were charged to our reserves: consumer loan ending in account number with a due date of April 2010; consumer loan ending in account number *** with a due date of May 2010; credit card account number xxxx-xxxx-xxxx-*** with a due date of February Consumer loan ending in account number was current These accounts are being reported correctly by Navy Federal to the nationwide credit bureaus; therefore, no adjustment is necessary
Questions regarding this matter may be directed to Kathryn B***, Supervisor, Consumer Loan 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 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.? On June, ***
*** requested that we increase the credit limit of her shares secured *** credit card account to $2,700.00.? The credit limit increase was approved and the appropriate hold was placed on the additional funds in her savings account.? On August and August, our member spoke with representatives regarding a payment plan to repay an over-limit amount on her credit card account and the funds on hold to secure the credit limit on the account.? ? The amount of the hold was not increased when the account exceeded the approved credit limit, nor were any additional holds placed on any other accounts.? The hold on the shares-secured funds for the credit limit of $2,will remain in place for the duration of the credit card balance.? Once the balance is reduced, *** *** may request a lower credit limit and the appropriate portion of funds in her savings account would be released? If she has any questions, *** *** may contact John P***, Assistant Manager, Credit Card Servicing, at ###-###-####, extension ***, between 8:a.mand 4:p.m., Eastern time, weekdays

This is in reference to a 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 our member’s concerns.? Our records show
that Specialist *** contacted Navy Federal on August and applied for an automobile refinance loan to pay off a loan at another financial institution.? We reviewed the recorded telephone call which revealed that our representative asked our member if she would prefer to have her loan documents mailed to her or pick them up at a branchSpecialist *** confirmed with our representative that she would drive to the Navy Federal *** *** Branch.? Our representative also confirmed during the telephone call that the documents would be available at the branch at the completion of the loan application.? She was also advised of the new payment date and that payments could be made using her Navy Federal Online Access? Specialist *** contacted Navy Federal again on September 2017.? We reviewed the recorded telephone call which revealed our member’s confirmation that she would visit the branch to obtain her loan draft and documents.? On September, Ms*** visited the *** *** Branch, signed the Promissory Note, endorsed the loan draft, then asked our branch representatives to mail the loan draft to her external financial institution.? As requested, Navy Federal mailed the draft to the address Ms*** provided.? ? If Specialist *** has any questions, she may contact *** *** *** *** *** Branch, at *** *** between 9:a.mand 5:p.m., Mountain time, Monday through Friday

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 her vehicle repossession Through our review of this
matter, we concluded that Navy Federal mailed *** *** an intent to repossess notice
We have been working to resolve this matter with *** *** and a portion of the costs associated with the repossession were waived *** *** was not required to remit the upcoming payment in order to retrieve her vehicle The fee associated with the piof her personal belongings is not a Navy Federal cost and will need to be addressed with the repossession agency We previously sent the requested information pertaining to the past due amounts and the required retrieval fees separately to *** ***; an additional copy is being mailed to her address of record
We will not request a change to her credit report as all data reported concerning the vehicle is accurate; the delinquent payment history will remain on the report Should *** *** obtain any supporting documentation that would substantiate a correction to the reporting of this account, she may fax it to us at *** *** ***, Attention: Credit Bureau Reporting/Disputes
If *** *** has any questions, she may contact Karen C***, Manager, Repossession, at ###-###-####, extension ***, between the hours of 8:a.mto 4:p.m., Eastern time, Monday through Friday

This is in reference to a follcomplaint, ID number ***, submitted by Navy Federal member, *** M***.? We have thoroughly researched the concerns presented in our member’s complaint regarding her debit card fraud claim submitted on March As advised in our previous response to the Revdex.com on April 2016, we determined that no error occurred.? Based on the information provided in Miss ***’s claim, her account activity and no new information to counter our findings, our determination remains the same.? ? If Miss *** has any questions, she may contact Amanda D***, Supervisor, Card Fraud Prevention, at ###-###-####, extension 43711, between the hours of 7:a.mto 4:p.m., Eastern time, Monday through 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 3 May 2016 from the Revdex.com on behalf of Navy Federal member [redacted].  The complaint was assigned an ID number of [redacted]. Navy Federal has thoroughly reviewed our member’s concerns.  On 29 May 2014, Mr....

[redacted] took out a used vehicle loan; a copy of his signed Promissory Note is attached.  We received a fraud claim on 13 March 2015 and investigated our member’s claim.  A letter dated 7 May 2015 was sent to Mr. [redacted]’s address of record to advise that his claim of fraud had been denied based partially on payments having been made by Mr. [redacted] via personal check and SpeedPay.  A copy of the claim letter is also attached.   The loan balance was charged to our reserves on 26 June 2015; a Cease and Desist note was placed on the account on 27 April 2016 at our member’s request. We will not request a change to his credit report as all data reported concerning the loan is accurate. We would like to work with Mr. [redacted] to make suitable repayment arrangements.  He may call Counselor  B. W[redacted] at ###-###-####, extension 48267 between 8:00 a.m. and 4:30 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: Navy Federal has yet to date to provide proof that this is in fact a valid claim with the original documentation bearing a signature
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: The company did not contact me when the loan was sitting at the branch for over daysWhat type of business just lets a loan sit for a few weeks and does not contact the borrower? It? seems to be in poor practice to just leave a loan sit there for that longAfter contacting Navy Federal it was stated that it was not usual for? them to just not contact a borrowerBut that it was still my fault for not reaching out to the bankSo I should expect that any time that I would forget to pick up a document that Navy Federal would place the blame on me and not reach out to me with timely information.?
Regards,
*** *** ***