Timothy E. Lynch, Inc.

This is in reference to a follcomplaint, ID number ***, submitted by Navy Federal member, *** ** *** Navy Federal has advised in our responses to the Revdex.com on July and August that no request to change *** ***’s credit report will be made Our position remains the same All data concerning the vehicle is accurate and the delinquent payment history will remain on the report Her credit report does not reflect the occurrence of the repossession
We have sent a check in the amount of $($for the delivery fee and $for personal property retrieval fee) to *** ***’s address of record No additional fees regarding the vehicle repossession will be reimbursed We consider the matter closed
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 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

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 thoroughly reviewed our member’s concerns.? On May 2016, we
canceled *** ***’s personal expense loan for $30,at his request.? Unfortunately, the loan had already been reported to the four consumer reporting agencies.? We have contacted the agencies and requested that the tradeline regarding this loan be removed from *** ***’s credit report.? It can take days for such a change to be made? Should our member have any questions, he may contact Carrie Matthews, Research and Documentation Liaison, at ###-###-####, extension ***, between 8: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 response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
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 [redacted] 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,
[redacted]

The following references the complaint we received on August from the Revdex.com on behalf of *** ***.? The complaint was assigned an ID number of ***? We have thoroughly researched Ms***’s concerns.? Ms***’s checking account was opened on
September 2012, but became a loss to our membership due to an overdrawn balance on July 2013.? Ms*** remains responsible for the outstanding balance ? Our records show that Ms*** contacted us on August to discuss payment arrangements for her account.? We have sent copies of her account statements to Ms***’s address of record.? If she has any further questions or if she wishes to reestablish her membership and savings account, she may contact the Recoveries Branch, at *** *** *** between the hours of 8:a.mand 6:p.m., Eastern time, weekdays

The following references the complaint we received on April from the Revdex.com on behalf of *** ***.? The complaint was assigned an ID number of ***.? Navy Federal has thoroughly reviewed our member’s concerns.? We denied Mr***’s claim of
fraudulent activity in 2014.? However, upon further investigation and after receiving new information, on April 2016, Jimmy R***, Assistant Vice President, Financial Crimes and Risk, spoke with Mr*** and determined that his claim would be honored.? We have now annotated our records regarding the *** account issued in Mr***’s name to reflect the account as invalid.? In addition, we have contacted the four consumer reporting agencies and requested that the trade line for the account be deleted from Mr***’s credit report.? Should he have any questions, Mr*** may contact MrR*** at ###-###-#### between 7:a.mand 3:p.m., Central time, weekdays.?

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 thoroughly researched *** ***’s concern.? Vivian B***, Savings
and Checking Operations Specialist, attempted to contact *** *** three times on October but was only successful in leaving voicemails for him.? Our records indicate that a stop payment was placed on any Automated Clearing House (ACH) debits payable to Planet Fitness on October 2016, and *** ***’s account was charged a $stop payment fee.? The stop payment is valid for one year and is set to expire on October 2017.? Despite placing a stop payment on the ACH debit to Planet Fitness, our member still needs to contact the debiting company directly to revoke any debit authorizations, and to request that any preauthorized debits be discontinued? When ACH debits are presented for payment, Navy Federal is required to process them immediately.? We are unable to hold them until sufficient funds are available to honor them.? A returned item may be presented again by the payee’s financial institution until the item has been paid.? Each time an item is presented for payment and returned for insufficient funds, *** ***’s checking account will be charged a fee of $the next business day ? As indicated in the attached Schedule of Fees and Charges brochure, non-sufficient funds fees for checks and ACH debits are $29.00.? ? We have determined that the fees are not the result of a Navy Federal error and that the fees charged are valid.? However, we have refunded a total of $in returned item fees.? To avoid similar circumstances in the future, we suggest our member ensures that sufficient funds are on deposit before he authorizes any ACH debits? Navy Federal has several overdraft protection programs.? Should *** *** wish information concerning the programs or have any questions, he may contact MsB*** at ###-###-####, extension ***, between the hours of 7:a.mand 4:p.m., Eastern time, Monday through Friday Tell us why here

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: I reject the determination from NFCU for the following reasons: 1) The "investigation" took less than one business day which means no investigating could have occurred of multiple businesses2) Several messages were not left, 1 message a week and three supervisor conversations later (documents can be provided)3) The spending pattern is definitely out of character for the history of the account as are the establishments 4) Several times I stated to the customer service representatives that I had an active police report case number for the theft5) My surname is hyphenated hence per social security I can use a combination or just [redacted] which is preferred
Regards,
[redacted]

[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: I have not made any payments on this accountI had no knowledge of this account no matter how long this account has been openedI have spoken to Navy when I first found out this account was opened and all they did was put the blame on meAs stated before I only want to talk in writingI filed a police report and provided proof of theft and they are determining this as not fraudI have provided them with an email address and mailing address to send me proof of this loan with my signaturethis has been going on too long with Navy breaking all laws and credit rulesProvide me the documents in an email or to my mailing address and if this can not be provided then they will have to remove the items from my credit reportthis is the credit law that they have been breaking constantlyProvide me with documentation or remove the accountStop saying you disapprove my claim and provide me with evidence of this transaction with my signature
Regards,
*** ***

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 concern.? On October 2016,
Mr*** applied for a 100% Financing First Mortgage loan via Navy Federal Online BankingDuring the online application process, our Loan Fee Disclosure is presented to the applicant(s) and their consent is required in order to continue.? The disclosure regarding potential Credit Bureau Report fee refunds only applies to applications for Home Equity Lines of Credit.? Unfortunately, this disclosure does not apply to the loan type that Mr*** applied for.? ? ? The fee Mr*** paid is charged by the credit reporting agencies for the credit report.? Navy Federal does not make a profit from this fee ? Should Mr*** have any questions, he may contact Ann C***, Regional Manager, Field Mortgage, at ###-###-####, extension 21036, between the hours of 8:a.mand 5: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,
*** ***

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 the concerns presented in our member’s complaint regarding his mortgage loan application
Through our review of
this matter, we concluded that *** ***’s loan application was not denied Our records indicate that *** *** submitted his loan application on March The details provided in the loan submission prompted the alternative mortgage loan option which was offered to *** *** on March On the same date, *** *** sent us a letter explaining his unique employment situation Navy Federal reviewed *** ***’s letter and honored his request, approving his loan on April
Navy Federal does not participate in discrimination of any kind
If *** *** has any questions, he may contact us at 1-888-842-NFCU (6328), hours a day, days a week

[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 I was contacted and received a direct phone number and contacg to help resolve the matter. I have continued to fax material -affidavid of stolen account and police report (3) to them and await the status of the account. When working with [redacted] bank they were very helpful and sent me a packet of information about how to deal with id theft. I would recommend this company setting up some sort of similar procedure to deal with the information. Today, I faxed verification from the bank that the account at the other bank was not opened by me and hope this resolves the matter. 
Regards,
[redacted]

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.?
Provisional credits for our member’s two dispute claims were credited to her account while we research her claims? Our records show the members *** *** *** referred to Navy Federal did not enter the online referral code when submitting their online applications in February 2018; therefore, their new membership accounts did not receive the promotional credit.? We have added the promotion information to their accounts and credited *** *** ***’s account and the referred members’ accounts with the $promotional incentive? Should *** *** *** have additional questions, she may contact Scott Holder, Supervisor, Debit Card Disputes, at ###-###-####, extension 74734, between the hours of 7:a.mand 3:p.m., Central 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.? Thank you for assisting in this matter and ensuring I will no longer be discharged from the military because of these issues
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that they tried to make it right.?
Regards,
*** ***

[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 [redacted], and find that this resolution is satisfactory to me. 
Regards,
C[redacted]

Thefollowing references the complaint we received on 27 July 2015 from the BetterBusiness Bureau on behalf of Navy Federal member [redacted] J. [redacted].  The complaint was assigned an ID number of[redacted].  NavyFederal has reviewed our member’s concerns. The Manager and Regional Manager...

of our Mortgage Operations Branch spokewith Mr. [redacted] on 28 July and 29 July to discuss this matter.  On 22April, when Mr. [redacted] applied for a mortgage loan, his application reflectedhis active duty pay; however, on 28 April, he advised our representative thathe would be separating from the U.S. Marine Corps.  Once we received a letter from his newemployer stating his projected monthly salary, we found that our member’sdebt-to-income ratio was outside of our lending guidelines.  At that point, we were unable to approve amortgage for Mr. [redacted].  As acourtesy, we refunded the $400.00 fee that Mr. [redacted] had paid for therequired property appraisal.  Asour team members discussed with Mr. [redacted], Navy Federal did not require ahome inspection.  In light of this, wewill not be reimbursing him for the home inspection costs.

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 thoroughly investigated our member’s concernThe transfer referenced
in
*** ***’s complaint was conducted to pay her past due loan based on the security agreement noted in her signed Promissory NoteHowever, on September *** *** was contacted by MsS**, Supervisor, Collections, to discuss her accountDuring this phone conversation, the amount of $was returned to *** ***’s checking account, and a fee of $which was assessed on the personal expense loan on August was waivedMsS** has also provided assistance by advancing the payment due date of our member’s loan account
Should *** *** have any questions she may contact Tasha T***, Assistant Manager, Collections, at ###-###-####, extension ***, between 8: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 response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because it is the same answer I received when I originally made the complaint.  It is essentially comes to sorry for the misinformation, but we are not willing to do anything outside our existing framework to assist.  The only change that I have seen is the website now clearly indicates that DDNP is required versus just Direct Deposit.  I still received conflicting information with respect to the Flagship Checking.  Website states Direct Deposit and two different people have told me two different answers (i.e., net pay versus no net pay required, but to be fair the resolution rep has been consistent in telling me it is net pay).  I have a call in to the supervisor stated in the last response.  However, I am confident I will be told the same information again.  No where in this process has Navy Federal Credit Union accepted responsibility for their mistake other than to say so sorry.  A $50 gift card is a nice gesture, but is a temporary fix to a long term issue as long as I have a checking account.  When I am given a response other than "it is the consumer's choice to fix the problem," perhaps then I will be willing accept a response. 
Regards,
[redacted]