Timothy E. Lynch, Inc.

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.

[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***

The following references the complaint we received on 1 April 2017 from the Revdex.com on behalf of Navy Federal member [redacted], also known as [redacted].  The complaint was assigned an ID number of [redacted].   We have thoroughly researched our member’s concerns. ...

Our records indicate that Ms. [redacted]’ credit card account ending in [redacted] had an outstanding balance, which was charged to our reserves on 29 July 2014 due to non-payment.  Her consolidation loan had an outstanding balance which was charged to our reserves due to non-payment.  Ms. [redacted]’ accounts were in a charge-off status before she filed for Chapter 7 bankruptcy protection; therefore, that status will remain on her credit report in addition to the bankruptcy status.   We have verified that Ms. [redacted]’ accounts are reported correctly with the four major credit reporting agencies; therefore, no adjustment is required.  We report accurate data and cannot remove any accurately reported information.   If Ms. [redacted] would like to discuss this matter further, she may contact us anytime at [redacted] Tell us why here...

The following references the complaint we received on 22 December 2017 from the Revdex.com on behalf of Navy Federal member [redacted].  The complaint was assigned an ID number of [redacted].   We have thoroughly researched our member’s concerns.  We reviewed the...

telephone call in question and confirmed that the person we spoke with identified himself as [redacted] and correctly answered our verification questions.  We did not knowingly disclose information to a third party.    We understand that our member and his father share a name; therefore, we suggest that he update his account to read [redacted], Jr., to avoid confusion going forward.  We have also noted that [redacted] is not a valid contact number for Mr. [redacted] and have updated his father’s account to prevent contact to that number.    If Mr. [redacted] would like to indicate that he is a junior, we request that he contact us at [redacted] as soon as possible, or complete the attached Change of Information/Add Joint Owner form and return it to us in the envelope provided.   Over the past several weeks, we have made several attempts to contact Mr. [redacted] by letter, email and telephone.  As of 10 January 2018, his [redacted] credit card account and his personal expense loan are past due.   To discuss his accounts, Mr. [redacted] may contact Mr. [redacted], between the hours of 9:00 a.m. and 5:30 p.m., Central time, weekdays. Tell us why here...

The following references the complaint we received on 9 March 2018 from the Revdex.com, submitted by Navy Federal member [redacted] on behalf of [redacted] The complaint was assigned an ID number of [redacted].
We have thoroughly researched our member’s concerns. ...

Our records show that [redacted] filed a dispute for a recurring charge that posted to her Navy Federal Business [redacted] credit card account. Navy Federal investigated [redacted]’ dispute claim and was unable to pursue a refund from the merchant because our member could not provide documentation regarding the cancelation of her subscription with the merchant. As a member courtesy, we are not holding our member responsible for the amount of the transaction.
The recurring charge posted again to the member’s credit card account in February 2018. On 26 February, [redacted] contacted Navy Federal by telephone and requested to close the credit card account. In accordance with our member’s request, we closed the credit card account and mailed a letter to her advising that although the account was in a closed status, any previously authorized recurring charges would continue to post to the account. The letter also advised our member that it is the cardholder’s responsibility to contact merchants with recurring authorizations to revoke those authorizations. We have initiated a chargeback on our member’s behalf advising of our member’s request to cancel the recurring transactions.
If [redacted] has any questions, she may contact Thi T*, Business Operations Specialist, at ###-###-####, extension [redacted], between 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 27 December 2016 from the Revdex.com on behalf of Navy Federal member [redacted]. The complaint was originally assigned an ID number of [redacted].
Our research has shown that, on 1 November 2016, a Navy Federal representative attempted to place a stop payment on a bill pay transaction to the City of Greensboro, North Carolina as requested by Ms. [redacted]. Unfortunately, the City of Greensboro, North Carolina is a “non-reversible” biller: once a debit has been processed, it cannot be recalled. The payment to the City of Greensboro, North Carolina was processed on 31 October; therefore, on 1 November, the payment could not be stopped. Since the bill was paid, Ms. [redacted] is responsible for the $70.00 in question.
None of the four recurring payments that were set up for Ms. [redacted] on 16 October were deemed to be unauthorized.

The following references the complaint we received on 10 December 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. Our records note that based...

on the member’s checking account balance, on 11 March 2016 a Member Service Representative (MSR) recommended that the member switch her checking account to a Flagship Checking account in order to accrue dividends at a higher annual percentage yield. The member agreed and the account type was changed. On 23 July, another MSR recognized that the member’s balance had dropped below the minimum balance amount needed to avoid a monthly service fee and suggested that the member switch checking accounts. The member again agreed and her account type was changed.
We have reviewed Ms. [redacted]’s claim regarding the [redacted] transactions. We have made a provisional credit of $47.97 to her checking account in the amount of the transactions and have initiated an investigation to determine whether the transactions were unauthorized. If the investigation determines that the transactions were unauthorized, the provisional credit will be made permanent. Should she have any questions concerning our review of the transactions, she may call Priscilla L[redacted], Supervisor, Card Fraud Prevention Recovery, at ###-###-####, extension [redacted], between 7:00 a.m. and 3:30 p.m., Central time, weekdays.
As a courtesy, we have refunded the stop payment fee as well as additional fees. If our member has any questions, she may contact Navy Federal anytime at ###-###-####.

The following references the complaint we received on 26 January 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 reviewed Mr. [redacted] concerns.  We completed an...

escrow analysis on 8 February 2018 regarding our member’s monthly escrow payment as requested.  A copy of the updated escrow analysis, along with a refund, should arrive at our member’s address of record within five to seven business days.  Should Mr. [redacted] have additional questions, he may contact [redacted], at [redacted], between the hours of 8:00 a.m. and 4:30 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 [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

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 ***.? Navy Federal has thoroughly reviewed our member’s concerns.? On May 2014, Mr
*** took out a used vehicle loan; a copy of his signed Promissory Note is attached.? We received a fraud claim on March and investigated our member’s claim.? A letter dated May was sent to Mr***’s address of record to advise that his claim of fraud had been denied based partially on payments having been made by Mr*** via personal check and SpeedPay.? A copy of the claim letter is also attached.? ? The loan balance was charged to our reserves on June 2015; a Cease and Desist note was placed on the account on April at our member’s requestWe 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*** to make suitable repayment arrangements.? He may call Counselor? BW*** 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 Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:The agreement made when I expressed permission to run my credit was not honored. They ran my credit but did not do their part to verify my income. This is not a fair outcome and not a fair way to treat customers.
Regards,
[redacted]

[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 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 10 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

The following references the complaint we received on 8 March 2018 from the Revdex.com on behalf of Navy Federal member [redacted]. The complaint was assigned an ID number of [redacted].
We have thoroughly researched our member’s concerns. [redacted]’s credit card payment of...

$500.00 was initiated on 6 March 2018 at 4:56 p.m., Eastern time; however, the payment did not post to the account until 7 March due to an unexpected delay in processing. As noted in our member’s monthly credit card statement, the payment due date is the third of each month and the statements for the account are prepared on the sixth of each month.
In the interest of member service, we have sent an update to the nationwide credit reporting agencies to reflect [redacted]’s credit card balance as zero as of 13 March 2018.
If [redacted] has any questions, she may contact Thi T*, Business Operations Specialist, at
###-###-####, extension [redacted], between 8:00 a.m. and 4:30 p.m., Eastern time, Monday through Friday.

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 18 December 2015, submitted by [redacted].
We have thoroughly researched our member’s concerns. According to our records, [redacted] filed for Chapter 7 Bankruptcy protection on 31 October 2010; the...

bankruptcy was discharged on 24 February 2011. 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 602 with a due date of April 2010; consumer loan ending in account number [redacted] with a due date of May 2010; credit card account number xxxx-xxxx-xxxx-[redacted] with a due date of February 2010. Consumer loan ending in account number 606 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[redacted], Supervisor, Consumer Loan Servicing, at ###-###-####, extension [redacted], between the hours of 8:00 a.m. and 4:30 p.m., Eastern time, Monday through Friday.

This is in reference to a follow-up complaint, ID number [redacted], submitted by Navy Federal member, [redacted] M. [redacted]. We have thoroughly researched the concerns presented in our member’s complaint regarding her debit card fraud claim submitted on 29 March 2016. As advised in our previous response to the Revdex.com on 8 April 2016, we determined that no error occurred.  Based on the information provided in Miss [redacted]’s claim, her account activity and no new information to counter our findings, our determination remains the same.   If Miss [redacted] has any questions, she may contact Amanda D[redacted], Supervisor, Card Fraud Prevention, at ###-###-####, extension 43711, between the hours of 7:30 a.m. to 4:00 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 response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because:NFCU did receive documents in February and March. They acknowledged it in June that they received those items.  Megan F[redacted] Dispute Resolution Representative stated that the documents were insufficient to warrant a non reversal of my provisional credit.  NFCU stated that I had possession of the UHAUL vehicle so therefore they could charge me.  This is inaccurate and wrong because the recovery authorization letter states that I wanted my contract cancelled, to not charge my account and to recover the vehicle at specific address.   After 8 days in the hospital they still had not recovered the vehicle and I contacted NFCU.  Each time NFCU has made a statement about what was needed I provided to them and they refuse to acknowledge or invent another reason why they can not assist me.So again,  documents prove that NFCU's statement about faxes and phone calls before March 23 are inaccurate.  The phone records and faxes do not lie.  I prepaid for my rental with another credit card, and the second contract amount was INVALID (fraudulent) as I have stated from day one.  Yet NFCU still insists that I am the one that has erred not them.   UHAUL fully refunded the missing amount as of yesterday and I provided NFCU with the transaction number but they are still refusing to acknowledge my calls. This am they blocked both my phone numbers from making calls into their call center.  I had to use a family members phone to get through.  When I got through they claim they were not blocking my number.   My phone carrier says the block is on their end not mine.  So this is the type of harassment, unprofessional behavior and unethical behavior that the staff at NFCU that I have endured since day one. They make claims and assertions that are contradicted and they are still refusing to reverse all the errors in my account.   
Regards,
[redacted]

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 2 March 2017, submitted by our member, [redacted].
We have thoroughly researched the concerns presented in our member’s complaint. Navy Federal will continue to restrict the referenced accounts due to...

continuing concerns about protecting our member from potential fraud involving potential identity theft.
If [redacted] has any questions, he may contact Robert S[redacted] Assistant Vice President, Security Operations Center, at ###-###-####, extension [redacted], between the hours of 8:00 a.m. and 5:00 p.m., Eastern time, Monday through Friday.

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,
[redacted]

[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:
Although Navy Federal has provided the contact info of the attorney in this matter, this does not change the fact that I was damaged during this incident, and further suffered losses to the inadequacy of Navy's responses until they were forced to make a response. Further, I am now further forced to pay for Navy's inadequacies and inappropriate behavior by now paying my attorney further to negotiate a resolution which could of been handled in any time during the past two plus years. Further, Navy is insinuating that I have "defaulted", I did not default on this loan, it was part of a legal bankruptcy process, wherein the court found in my favor, and I was afforded the protections of the US Bankruptcy code. Navy has consistently disregarded my concerns and communications, has damaged me, and has repetitively disregarded the protections afforded to me under the bankruptcy code and the FCRA. I find it very distasteful that Navy cannot step up and admit that they have not handled this appropriately (let alone most likely in an illegal manner) and further continue to color the situation in such a manner that makes me sound like an irresponsible consumer who has just defaulted on a loan and they are really just the victims of an angry person that doesn't pay their bills. I was an excellent customer to Navy until I had a catastrophic business failure, that was no fault of my own. Navy has clearly constructed a culture which "kicks you while you are down" and deals inadequately and improperly with consumers, who for whatever reason cannot meet their obligations, or are afforded the protections of the bankruptcy code. I don't think this an isolated incident according to various other complaints, which I have observed, which are in what seems very similar situations.
Regards,
[redacted]

[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: The Navy Federal Credit Union has not provided the federal law reference that over rides Federal Law's: Title 38, Section 5301 a1, VETERANS BENEFITS and 31 CFR 212-6, RULES AND PROCEDURES TO PROTECT BENEFITS. The claim of a "federal law" the Navy Federal Credit Union made to my complaint is frivolous. Additionally, the [redacted] has documentation of this credit unions previous law violations of consumers. This shows their lack of attention to detail and shows their negligent behavior. I am seeking federal legal lawsuit against the Navy Federal Credit Union and I request to re-open this Revdex.com case [redacted].
Regards,
[redacted]Disabled VeteranCc: [redacted]
      [redacted]
      [redacted]
      [redacted]