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 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I am rejecting this response because it is the same answer I received when I originally made the complaint.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]

This is in reference to a follcomplaint, ID number ***, which was submitted to Navy Federal by *** ***
After additional research into *** ***’s concern, Navy Federal will accommodate her request to refund fees associated with payments that were processed from her external account on April On May, we left a voicemail requesting that *** *** provide a copy of her bank statement showing our attempts to process the payments and the non-sufficient funds fees being drafted from her account Upon our receipt of this documentation, a refund for the fees will be wired directly to her external account
If *** *** has any additional questions regarding this matter, she may contact Gregory G***, Manager, Collections, at ###-###-####, between the hours of 8:a.mand 5:p.m., Central time, Monday through Friday

The following references the complaint we received on June from the Revdex.com on behalf of *** ***.? The complaint was assigned an ID number of ***? Navy Federal has thoroughly investigated the concern.? On June 2016, Lisa T***, Supervisor,
Membership, spoke with *** *** and explained the membership application process to herMsT*** noted that her brother would need to call Navy Federal in order to see how he could sponsor her as a new member.? MsT*** also discussed options of other potential sponsors for *** ***; however, it was determined that currently her brother is *** ***’s only potential connection to our field of membership? Should *** *** have further questions, she may call MsT*** at ###-###-####, extension ***

This is in reference to complaint ID number ***, which was received by Navy Federal on October 2016, submitted by our member, *** ** *** ***
We have thoroughly researched the concerns presented in our member’s complaint On October 2016, Deborah B***, Contact Center Resolution
Specialist, attempted to reach *** *** *** regarding her concerns, but was unsuccessful On October 2016, our member telephoned our Contact Center and we discussed the promotional credits with her On the same date, the appropriate promotional credits were applied to *** *** ***’s Membership Savings account A voice message informing her of the applied credit(s) was left for her at her mobile number of record
If *** *** *** has any questions, she may contact Micah S***, Contact Center Resolution Specialist, at ###-###-####, extension ***, between the hours of 6:a.mto 3:p.m., Central time, Monday through Saturday

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 reviewed our member’s concerns *** *** submitted a claim of unauthorized
activity on his account After thoroughly investigating our member’s claim, we determined *** *** was aware of and benefitted from the transactions conducted on his account; therefore, he is responsible for the outstanding balance on his accounts
Should *** *** have any questions, he may call Jimmy R***Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension ***, between 8:a.mand 4:p.m., Central time, weekdays

This is in reference to follow-up complaint ID number [redacted], which was submitted by [redacted].
As indicated in our previous responses to the Revdex.com regarding this matter, Navy Federal has conducted a thorough investigation of [redacted]’s fraud claim. According to our records, [redacted] submitted applications for his [redacted] Signature cashRewards and Platinum [redacted] credit card accounts by telephone on 19 June 2013 and 8 July 2013, respectively. By his use of the credit cards which were issued to him, [redacted] agreed to the terms of Navy Federal’s Credit Card Agreement and Disclosure, which was provided to him when the accounts were established. A copy of the disclosure is attached. A copy of [redacted]’s consumer loan Promissory Note was mailed to the address provided on 2 June 2016.
Our investigation concluded that no error has occurred, and that [redacted] remains responsible for repayment of the balances of his Navy Federal accounts. No adjustment to the credit reporting for the accounts will be made.

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 9 May 2016, submitted by our member, [redacted]. We have thoroughly researched the concerns presented in our member’s complaint regarding the Navy Federal loan number ending in 07 reflecting...

him as co-borrower. Through our review of this matter, we concluded that Sergeant [redacted] did not agree to be a co-borrower on the 07 loan.  Sergeant [redacted] was removed from the loan effective 19 May 2016. On the same date, a request was sent to the credit reporting agencies to remove the 07 loan tradeline from his credit reports.  Since a credit inquiry for the loan application was requested from TransUnion, the request to mask the inquiry was sent to that agency.  The credit reporting agencies may take 30 days for the updates to reflect on Sergeant [redacted]’s credit file.   If Sergeant [redacted] has any questions, he may contact Jimmy R[redacted], Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension 70067, between the hours of 7:00 a.m. to 3:30 p.m., Central time, Monday through Friday.

The following references the complaint we received 16 June 2016 from the Revdex.com on behalf of Navy Federal member [redacted]  The complaint was assigned an ID number of [redacted].   We have thoroughly researched [redacted]’s concern regarding his Platinum [redacted]...

account.  Our records indicate that on 21 September 2015, [redacted]’s billing cycle closed with a $132.00 minimum payment due by 18 October 2015.  The minimum payment was not received by the due date.  Our records reflect that the September 2015 statement and the attached payment request were sent to our member’s address of record via the U.S. Postal Service.   We attempted to contact [redacted] on 20 November 2015, and left a voice mail for him to call Navy Federal.  We contacted [redacted] again on 27 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 [redacted]’s credit report.   Should [redacted] have further questions, he may contact Carrie M[redacted], Research and Documentation Liaison, at ###-###-####, extension 44926, between the hours of 8:00 a.m. and 4:30 p.m., Eastern time, Monday through Friday.

This is in reference to the follow-up complaint we received on 24 August 2016 from the Revdex.com on behalf of Navy Federal member [redacted].  The complaint was originally assigned an ID number of [redacted]. Navy Federal has again reviewed our member’s concerns. On 1 September 2016, based on our additional investigation, we reversed the transaction in question and Ms. [redacted] now has access to the funds. At Navy Federal, we strive to provide the best member service possible; we regret if this is not consistent with our member’s experience. Should she have any questions, Ms. [redacted] may contact Jimmy R[redacted], Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension 70067, between 8:00 a.m. and 4:30 p.m., Central time, weekdays.

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 reviewed Mr***’s concerns and have reached out to him to discuss this
matter On April, the section manager of our *** ***’s Mortgage branch spoke with our member to explain the requirements for the re-inspection of the property and to let Mr*** know that Navy Federal would cover the cost of this re-inspection We regret the frustration our member experienced in this situation, and we counseled the loan officer involved to prevent a recurrence of these events
We appreciate Mr***’s allowing us the opportunity to address these issues

The following is in response to the complaint we received on August from the Revdex.com on behalf of *** ** ***.? The complaint was assigned an ID number of ***.? Based on our records, our member initially opened his account online on June 2015, and
visited a branch on August to add his wife to his accounts.? However, a request to add our member's wife was not received, which would have been done with a completed/signed *** form.? Subsequently, our records also indicate that our member's wife *** *** submitted an online application on June 2015, which was pending because we required an image of a government-issued identification card and Social Security card from *** ***.? The documents we received on August 2015, were illegible, which required *** *** to visit a branch office with the documents.? On August 2015, the image of the Social Security card and U.SPermanent Resident Identification card was received.? We were subsequently able to complete the application and process the initial funding for deposit, which was authorized by *** *** in the amount of $using a credit card account ending in 9201; the account ending in *** was therefore credited with $250.00.? ? On August 2015, a request was made to reverse the transaction.? Our records reflect that this request was completed August and the card-based funding reversal? was processed in the amount of $250.00, crediting the credit card account ending in ***.? The reversal can take five to seven business days for the credit to appear on our member's credit card account.Follquestions should be directed to Lisa T***, Supervisor, Membership, by calling ###-###-####.? ?

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 ***? On July, Eisha S***, Fraud Investigation Specialist, spoke with ***
*** regarding her concerns.? Although our member confirmed that she had compromised her original accounts by providing her account access information to a third party, a decision was made to lift the restrictions placed on her present accounts.? *** *** now has electronic access to her accounts and the funds on deposit.? A future compromise of her account could result in restrictions being put in place again? Should she have any questions, our member may contact MsS*** 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 October 2015, submitted by our member, *** ** ***
We have thoroughly researched the concerns presented in our member’s complaint On October 2015, Navy Federal received an eMessage from
*** *** requesting information on how to add his wife as co-applicant Our member was advised that it will be necessary for his wife to provide her authorization before this request can be processed; her authorization has not been received and the requested action has not been taken as of this date
We have no record of any recent credit card applications or an account established in *** ***’s name, nor was his information used to add his name as authorized user or co-applicant of another member’s credit card account Additionally, we have confirmed that no new credit card accounts appear on our member’s credit report We have no record of requesting a credit inquiry for *** *** at any time after our receipt of his eMessage

This is in reference to a follow-up complaint, ID number [redacted], submitted by Navy Federal member, [redacted].
Navy Federal has addressed [redacted]’s concern in our previous responses to his Revdex.com complaint on 2 and 12 February 2016. As no new information has been provided by our member, our position in this matter remains unchanged.

The following references the complaint we received on 6 February 2018 from the Revdex.com on behalf of Navy Federal member [redacted]. The complaint was assigned an ID number of [redacted].
Navy Federal has thoroughly researched Ms. [redacted] concerns. The Navy Federal Home Equity...

Line of Credit ([redacted]) account ending in [redacted] was not included in the foreclosure process due to the property’s value. As a result, the [redacted] was charged to our reserves on 17 February 2012.
We have reviewed our member’s tradeline with the four nationwide credit reporting agencies and verified it is reporting correctly.
An [redacted] Form 1099-C was sent to Ms. [redacted] regarding the sale of the property.
Should Ms. [redacted] have additional questions, she may contact [redacted], at [redacted] Ms. [redacted] is available from 8:00 a.m. to 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 Administratively Resolved]
? Complaint: ***
I was still charged interest on this charge because MsH*** failed to credit the amount while my dispute was being researchedThe process took over monthsNeither MsH*** nor her supervisor MsW*** ever returned my callsI don't know what phone number MsW*** says she left a voicemail for, but it was not meI also tried several times to get assistance through their facebook page and every time I asked for a name, the person responding would ignore that request and just keep saying they were calling meThe only phone call I got was from someone named Aaron (no last name) who left a voicemail telling me to call the phone number I had already been callingIf he could call me at the correct number, there was no reason MsH*** and MsW*** couldn't alsoI was also told to send an email to *** for assistanceI sent several emails to that address and they were ALL IGNORED
Christina K***

This is in reference to complaint ID number ***, which was received by Navy Federal on September 2016, submitted by, *** ***? We have thoroughly researched *** ***’s concerns.? Through our investigation, it was determined that the Navy Federal Membership Savings and
e-Checking accounts opened in her name on July were a result of identity theft.? On July 2016, the accounts were flagged as suspicious and promptly restricted.? On September 2016, the savings and checking accounts were properly closed? We have sent a letter to the credit reporting agency ***, requesting that they remove the inquiry related to the membership application, from *** ***’s credit report.? It may take up to days for such updated information to appear in her credit file.? We recommend that *** *** further protect herself by contacting the credit reporting agencies to report herself as an identity theft victim? 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 is in response to the follow-up complaint we received on 21 August 2015 from the Revdex.com on behalf of [redacted]. The complaint was originally assigned an ID number of [redacted].We have researched our member’s loan account ending in [redacted] and have found that the loan was extended on three separate occasions: 20 November 2012, 21 February 2014 and 9 March 2015. [redacted] is claiming that the extension granted on 9 March 2015 was completed without her knowledge. Navy Federal is conducting an investigation into this claim. In addition, Navy Federal acknowledges that [redacted] does not wish us to cease all communication with her via telephone.Chip S[redacted], Manager, Collections, spoke with [redacted] on 31 August 2015. At that time, [redacted] requested the payment history of the loan accounts ending in [redacted] and [redacted] also advised Mr. S[redacted] that she could no longer afford the current monthly payments on the [redacted] loan and requested that the loan be refinanced with lower monthly payments. Per [redacted]'s request, the refinance was completed on 31 August 2015.We apologize for any inconvenience our member experienced in her phone conversations with us. Navy Federal calculates interest on consumer loans using the simple interest method. Each time a payment is received we satisfy the interest due first and apply the remainder of the funds toward the principal. There is never any pre-payment of interest. The amount of interest gradually decreases as the principal balance is reduced. Interest is calculated daily on the unpaid principal balance from the last payment to the current payment. According to our records:On 9 April 2015, a payment of $176.00 was made and was applied to principal. On 5 June 2015, a payment of $150.00 was made and was applied to interest. On 30 June 2015, a payment of $150.00 was made and was applied to interest. On 28 July 2015, a payment of $175.00 was made and was applied to interest. On 11 August 2015, a payment of $125.00 was made and was applied to interest. On 13 August 2015, a decrease accrual adjustment was made in the amount of $397.93 which was credited to principal. On 24 August 2015, a payment of $200.00 was made; $64.32 was applied to interest and $135.68 was applied to principal.The following information is in regard to the payments made by our member through Automated Clearing House:A payment in the amount of $300.00 was made on 28 July 2014 (due to the age of the transaction, there is no trace number available). A payment in the amount of $175.00 was made on 26 August 2014, with a trace number of [redacted]. A payment in the amount of $185.00 was made on 28 August 2014, with a trace number of [redacted]. A payment in the amount of $50.00 was made on 2 October 2014, with a trace number of [redacted]. A payment in the amount of $400.00 was made on 16 October 2014, with a trace number of [redacted]. A payment in the amount of $100.00 was made on 26 November 2014, with a trace number of [redacted].A payment in the amount of $150.00 was made on 11 December 2014, with a trace number of [redacted]. A payment in the amount of $125.00 was made on 17 December 2014, with a trace number of [redacted]. There were no payments made between 17 December 2014 and 5 February 2015. A payment in the amount of $300.00 was made on 5 February 2015, with a trace number of [redacted]. A payment in the amount of $200.00 was made on 12 February 2015, with a trace number of [redacted]. A payment in the amount of $125.00 was made on 23 February 2015, with a trace number of [redacted].Attached is a copy of [redacted]’s loan payment history. Follow-up questions should be directed to Mr. S[redacted] by calling ###-###-#### between the hours of 8:00 a.m. and 4:30 p.m., Eastern time, Monday through Friday.

The following references the complaint we received on 19 December 2017 from the Revdex.com on behalf of Navy Federal member Kierra D. Jackson.  The complaint was assigned an ID number of [redacted].   We have thoroughly researched our member’s claim and found that unauthorized...

transfers were made from her accounts on 30 November 2017.  Upon completion of our investigation, credits were issued to her checking account and savings account.  A letter advising [redacted] of the credits made was sent to her address of record.  We regret any inconvenience experienced by our member.   If  [redacted] has any questions, she may contact [redacted] Financial Crimes and Risk, at [redacted], between the hours of 7:00 a.m. and 3:30 p.m., Central time, weekdays. Tell us why here...

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 13 October 2016, submitted by our member, [redacted].
We have thoroughly researched the concerns presented in our member’s complaint. Through our review of this matter, we concluded that our...

representative correctly followed our normal procedures and conducted herself in a professional manner. When check numbered [redacted] was presented for payment to [redacted]’ Navy Federal checking account on 13 October and was returned unpaid due to non-sufficient funds, a $29.00 non-sufficient funds fee was assessed to her account. On the same date, [redacted] request to have her fee waived was denied.
Per Navy Federal’s Important Disclosures, the credit union is authorized to refuse checks that exceed funds available in the checking account. A fee will be assessed in the amount shown on Navy Federal’s current Schedule of Fees and Charges for each refused check.
Navy Federal strives to provide efficient, accurate, and responsive service to our members at all times, and we regret that [redacted] was not satisfied with the service she received

If [redacted] has any questions, she may contact Kirstie L[redacted] Supervisor, Contact Center Resolution, at [redacted], extension [redacted], between the hours of 7:30 a.m. to 3:30 p.m., Eastern time, Monday through Friday.