Timothy E. Lynch, Inc.

The following references the complaint we received on January from the Revdex.com on behalf of *** ***. The complaint was assigned an ID number of *** Navy Federal has thoroughly reviewed Ms*** concerns. The returned check fees
which were created when two checks Ms*** forwarded to us were returned marked “stop payment” have been waived. The checking and saving accounts in question are now closed with no balance owed. In addition, we have not reported any derogatory information concerning this situation to the Early Warning Services

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 *** ***’s concern and as advised in our
previous response to the Revdex.com on October (Identification number ***), we have found that no error has been made by Navy Federal. The restrictions which were put on *** ***’s account were placed correctly. Should she have any questions, *** *** may call Robert S***, Assistant Vice President, Security Operations Center, at ###-###-####, extension ***, between 8:a.mand 5:p.m., weekdays

This is in reference to complaint ID number 11630378, which was received by Navy Federal on August 2016, submitted by our member, *** ***
We have thoroughly researched the concerns presented in our member’s complaint regarding her Guaranteed Asset Protection (GAP) claimThrough
our review of this matter, we concluded that no Navy Federal error occurredOn July 2016, Mrs*** submitted a GAP claim on her vehicle loan account number ending in On July 2016, a claim letter was mailed to Mrs*** stating the documents needed to process the claim; the settlement check and the settlement breakdown worksheetA claims processor contacted Mrs*** on July and informed her that we received her claim, and that she will be receiving a detailed claim letter in the mailShe was also advised of her responsibility to continue payments on her loan during the GAP claims process in accordance with the terms of the GAP agreement
On July 2016, Navy Federal received an insurance settlement check from *** *** Insurance in the amount of $17,090.23; this amount was incorrect according to the settlement breakdownDue to *** ***’s error, on August 2016, we informed Mrs*** that Navy Federal needed to return the settlement check to the insurance company in order to process the claimOn August 2016, Mrs***’s payment in the amount of $posted to the loanOnce the settlement check is received to the loan, any reimbursement owed to Mrs*** will be calculated and credited to her Navy Federal savings account
We regret any frustration and inconvenience our member may have experienced in this matterIf Mrs*** has any questions, she may contact Gina B***, Supervisor, Loan Protection Programs, at ###-###-####, extension ***, between the hours of 8: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 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,
*** ***

This is in reference to complaint ID number ***, which was received by Navy Federal on January 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 Our records indicate that on October 2015, *** ** *** and his wife, *** ** ***, applied for a year VA loan to refinance their existing mortgage After reviewing our member’s application and credit bureau report, additional information and documentation was necessary
On December 2015, Navy Federal was informed by our member that *** *** left her job as a dental assistant that she had listed on their application *** *** took a job at a builders supply company through a temporary staffing agency on October 2015, working in an entirely different line of work *** ***’s new job had a day probationary period, and she was not eligible for a permanent position with the new employer until February
We informed our member that a permanent employment status is required in order to include *** ***’s employment and income on the loan application Consequently, *** ***’s employment and income could no longer be included, and **and *** *** no longer qualified for a year VA loan at 3.00% Navy Federal was able to provide alternative loan terms to our member, and our member agreed to change from a year VA loan at 3.00% to a year VA loan at the market rate of 3.625% Navy Federal subsequently agreed to reduce the interest rate to 3.50% *** and *** *** remained on the loan application, and both signed the closing documents on January
Regarding the allegations of discrimination, Navy Federal does not discriminate in any manner, and did not discriminate against **and *** *** on any occasion Additionally, Navy Federal has remained in contact with our member throughout the processing of their loan On January 2016, our representative attempted to contact our member by telephone, but he was only able to leave a voice message On the same date, we received correspondence from our member stating he did not want to be contacted Navy Federal has honored his request and no further attempts to contact him have been made

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

[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 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 concern. Our review
determined that *** *** opted in to our Optional Overdraft Protection Service (OOPS) for her checking account on September 2015. On August 2016, OOPS fees totaling $were properly charged in accordance with the terms and conditions of her account when an ATM withdrawal and a debit card transaction caused the account to become overdrawnA secured message is sent to notify a member each time the OOPS feature is used; our message includes a description of the item(s) paid and a list of the fee(s) chargedIn addition, any fees are reflected on the monthly statement. Copies of our disclosure and the pertinent statement are attachedAlthough the fees were charged correctly, we have refunded the $as a courtesyAny additional fees charged may not be refunded unless a Navy Federal error has occurredIf the OOPS feature no longer meets *** ***’ needs, she may opt out of OOPS at any time by calling us, visiting one of our branch offices or completing the Optional Overdraft Protection Service Opt-Out form available online Should *** *** have any questions, she may call Kimberly F*, Savings and Checking Operations Specialist, at ###-###-####, extension ***, between 7:a.mand 4: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 ***. Navy Federal has thoroughly reviewed *** ***’s concern. *** *** was added
as an authorized user on June to *** ***’s *** account. On October 2016, *** *** was removed from the credit card account ending in *** and this change in status has been submitted to the credit bureaus. It may take up to days for the update to be completed*** ***’s credit report will continue to reflect the tradeline concerning the *** account. As an authorized user, *** *** was never responsible for the repayment of the credit card balance Should *** *** have any questions, please contact Joanna W***, Supervisor, Credit Card Servicing, 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 February 2016, submitted by our member, *** ** ***
We have researched *** ***’s concerns On February 2016, a debit card fraud claim was filed by our member via Navy Federal’s
Online Account Access in the amount of $1, After a thorough investigation we determined that no error had occurred, and the fraud claim was denied Our letter dated February was mailed to *** ***’s address of record to advise him of the status of his claim
Questions regarding this matter may be directed to Amanda D***, Supervisor, Card Fraud Prevention Recovery, at ***, extension ***, 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 March 2016, submitted by our member, *** ** *** **
We have researched our member’s concern regarding the mortgage loan on which his name appears as co-borrower with *** *** Kirsten
R***, Assistant Manager, Mortgage Default Management, spoke with *** *** on March Navy Federal continues to work with our members to determine loss-mitigation options which may be available to them
Questions regarding this matter may be directed to MsR*** at ###-###-####, extension ***, between the hours of 8:a.mand 4: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:
Regards,
*** ***
This does not dismiss the fact that I was approved for an account before Navy Federal submitted my information to First Warning
Since I was approved for a checking account I should not been subjected to any bureau

[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 un-satisfactory to me; however, since the same response is solely being reiterated in different terms I am not wanting to continue the discussion.
Regards,
*** ***

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 *** *** ***’ concernsOur
records show *** *** *** applied for a mortgage loan on November 2017. Our member agreed to the credit inquiry at the time of the application. Navy Federal reports accurate information to the four nationwide credit reporting agencies and will not remove valid information Should *** *** *** have additional questions, she may contact La Tawnya B***, Regional Manager, Field Mortgage, at ###-###-####, extension ***, between the hours of 8:a.mand 5:p.m., Eastern time, weekdays

This is in reference to complaint ID number ***, which was received by Navy Federal on September 2016, submitted by our member, *** ** ***
Through our review of this matter, we concluded that *** *** is not a joint owner of her husband *** ***’s account; therefore, we
are unable to discuss his account with herDuring a call with our Contact Center representative on July, *** *** was informed that a separate checking account to which she was joint owner with *** *** had been closedWe also advised her that her previous joint owner, *** ***, would need to contact us regarding any account activity
If *** *** has any questions, he may contact Kirstie Linaburg, Supervisor, Contact Center Resolution, at ###-###-####, extension ***, between the hours of 7:a.mto 3: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,
*** ***

[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 filed a complaint a few months ago and Navy federal responded and said the item would be correctedI pulled my *** report today and it is still incorrectIt states that $was charged offThey responded and confirmed with the Revdex.com in the response that the item was paid in fullNo amount was charged offI am requesting that the item be completely removed as it is incorrect on the reports months after it was stated they corrected it , I feel the only way to fix this error, which I hope is just a error on their part is to simple remove itI have documentation of how it appears if needed
Remove credit line , as to have no more errors as they have attempted to correct several times, each time still in error
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 ***, 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 researched our member’s concernsMatthew K***, Contact Center Resolution Specialist, attempted to contact *** *** on
March; however, the telephone number on file is no longer workingWe have reviewed telephone calls referenced in our member’s complaint and we made no guarantee regarding our ability to recover funds transferred via an Automated Clearing House (ACH) transferFurther, we have found no instance of any inappropriate interaction by our Member Service Representatives
According to our records, our member logged onto her account online on January and initiated a one-time ACH transfer to an external accountOn February, *** *** contacted Navy Federal to request that the funds be returned to her account; however, we were unable to recall the funds due to the length of time that had passed since the transaction was processedOur subsequent effort to recover the funds was denied by *** ** *** because the external account was closed
Questions regarding this matter may be addressed to Tandy I**, Supervisor, ACH Origination, at ###-###-####, extension ***, between the hours of 7:a.mand 3: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 found that
Mr*** has accounts under two different access numbers and Social Security numbers at Navy Federal. On the account which was opened on July 2016, there is a history of returned checks. As a result of this discrepancy, and due to repeated returned items on our member’s account, we have placed security restrictions on his accounts. Our member can still access his funds at a Navy Federal branch or, if he prefers, we can send a check for any available funds to his address of record Should Mr*** have any questions, he may call Lana N***, Supervisor, Security Operations Center, at ###-###-####, extension 47545, between 8:a.mand 4:p.m., Eastern time, weekdays