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: 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]

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 1 September 2016, submitted by our member, [redacted]. We have thoroughly researched the concerns presented in our member’s complaint.  Through our review of [redacted]’s credit report with...

the four major credit reporting agencies, we have verified that her Navy Federal accounts are reporting correctly; three Navy Federal consumer loans and two Navy Federal credit card accounts are reporting as charged off accounts that were sold to [redacted] in 2012.   Navy Federal is required to report fair and accurate data to the major credit reporting agencies.  If [redacted] feels that her Navy Federal tradelines are not reported correctly, she may send us a detailed letter with any supporting documentation by fax to Credit Dispute Department at###-###-####, or by mail to PO Box [redacted], Merrifield, Virginia [redacted].   Should [redacted] have any questions, she may contact us at 1-888-842-NFCU (6328), 24 hours a day, 7 days a week.

[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 was still charged interest on this charge because Ms. H[redacted] failed to credit the amount while my dispute was being researched. The process took over 2 months. Neither Ms. H[redacted] nor her supervisor Ms. W[redacted] ever returned my calls. I don't know what phone number Ms. W[redacted] says she left a voicemail for, but it was not me. I 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 me. The 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 calling. If he could call me at the correct number, there was no reason Ms. H[redacted] and Ms. W[redacted] couldn't also. I was also told to send an email to [redacted] for assistance. I sent several emails to that address and they were ALL IGNORED.
Christina K[redacted]

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 8 December 2016, submitted by our member, [redacted].
We have thoroughly researched the concerns presented in our member’s complaint. Our records show that Mrs. [redacted]’s 2 October 2015 and 11 November...

2015 online membership applications pended due to additional information that was required. As a result, a detailed request was sent to the e-mail address provided by the applicant to verify the information required to establish her membership. Regretfully, Mrs. [redacted] was unable to provide the necessary membership eligibility documentation and as a result, requested to close the accounts in January 2016.
On 5 November 2016, Mrs. [redacted] reapplied using a paper membership application. Additional information was requested to verify her eligibility and on 13 December 2016, she provided the requested eligibility documentation and her Navy Federal membership was established. Navy Federal strives to provide efficient, accurate, and responsive service to our members at all times, and we regret any frustration our member experienced.
If Mrs. [redacted] has any questions, she may contact Pamela Guzman, Supervisor, Membership, at ###-###-####, extension [redacted].

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 14 April 2016, submitted by [redacted].   We have thoroughly researched [redacted]’s concerns regarding payments to her son’s credit card and consumer loan accounts.  According to our records...

[redacted] authorized payments to the accounts, with the dates and amounts of the payments agreed upon and confirmation numbers provided for each transaction, during her telephone conversations with our representatives.  We have no record of a request to cancel the payments authorized by [redacted] to occur on 8 and 15 April.  These payments were subsequently returned due to non-sufficient funds.  Since the payments were processed in accordance with [redacted]’s authorization, reimbursement will not be provided for fees assessed by another financial institution resulting from non-sufficient funds.   Kevin F[redacted], Assistant Supervisor, Collections, contacted [redacted] on 15 April.  As requested, we have canceled all future payments.  However, as advised by Mr. F[redacted], payments which had previously been authorized by [redacted] to be completed on 15 April had already been processed and could not be canceled.    If [redacted] has any additional questions regarding this matter, she may contact Gregory G[redacted], Manager, Collections, at ###-###-####, extension 70811, between the hours of 8:00 a.m. and 5:00 p.m., Central time, Monday through Friday.

The following references the complaint we received on 10 August 2016 from the Revdex.com on behalf of [redacted]. The complaint was assigned an ID number of [redacted].
Navy Federal has thoroughly reviewed [redacted]’ situation. As requested, [redacted] was removed as authorized...

user from the [redacted] account of [redacted]  We have contacted the four consumer reporting agencies on [redacted]’ behalf to remove this tradeline; it may take 30 days for the data concerning the credit card account to be removed from her credit report.
Should she have any questions, [redacted] may contact Joanna W[redacted], Supervisor, Credit Card Servicing, at [redacted], extension [redacted], between 7:00 a.m. and 3:30 p.m., Central time, weekdays.

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 20 July 2015, submitted by our member, [redacted].We have researched the concerns presented in our member’s complaint.  Our records indicate that [redacted] combined and refinanced her [redacted] loan...

on 16 November 2011 in the amount of $20,281.82, with monthly payments of $352.40.  The interest rate on her loan is 12.09%, which accrues at $5.84 per day.  Our records also indicate that she requested and received three extensions since the date of the refinance, in an attempt to assist our member in meeting her financial commitments. [redacted] asks why her loan balance is not reducing more quickly.  As mentioned previously, interest is compounded daily on her loan at a rate of $5.84 per day.  In a typical 30-day month, [redacted] pays $175.20 worth of interest.  With a monthly payment of $352.40, $175.20 is applied to interest and $177.20 is applied to her principal balance.  This does not include late fees of $29.00 assessed if [redacted]’s loan falls 10 days past due.  Our records indicate, through the life of this loan, a total of $870.00 in late fees have been applied.  We would welcome any opportunity to assist [redacted] in this matter.  In a show of good faith and our willingness to assist [redacted] in this matter, we have waived $397.93 in interest from her loan.   Due to the Cease and Desist she requested on her loan, we are unable to contact her directly via telephone.  However, if she would like to discuss her loan and possible options Navy Federal has to offer, we encourage her to contact Steve T[redacted], Assistant Vice President, ConsumerLoan Collections, directly at ###-###-####.  Mr. T[redacted] can be reached 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 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]

[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]

[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 received the loan check finally on 7/18/16 dated 5/25/16. The loan documents states a payment is due on 7/22/16 not even 30 days after the loan check was received. 
Regards,
[redacted]

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 1 December 2015, submitted by our member, [redacted].
We have thoroughly researched our member’s concerns. Peter K[redacted], Unit Supervisor, Collateral Control, spoke to Petty Officer [redacted] by telephone on...

16 December. Navy Federal received an electronic title for the vehicle on 10 November 2015 which accurately shows Navy Federal as lien holder. The Annual Percentage Rate for the loan remains at the original rate of 5.89%.
If Petty Officer [redacted] has any questions, he may contact Therisa A[redacted], Section Supervisor, Collateral Control, at ###-###-####, extension [redacted], 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 8 July 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]’ concern regarding her loan...

application at Navy Federal.  Our records reflect that a loan application was submitted on 6 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. [redacted] 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 [redacted] prior to her acceptance of the loan.  [redacted] called Navy Federal on 7 July to cancel the consolidation loan.  Cancellation of the loan was completed on 11 July.  Janice D[redacted], Supervisor, Loan Officer, attempted to contact [redacted] to discuss her loan application, but was unsuccessful.  If [redacted] should have any questions, she may contact Ms. D[redacted] at ###-###-####, extension [redacted], between the hours of 7:30 a.m. and 4:00 p.m., Eastern time, Monday through Friday.

The following references the complaint we received on 11 November 2016 from the Revdex.com on behalf of Navy Federal member [redacted]. [redacted]. The complaint was assigned an ID number of [redacted].
Navy Federal has thoroughly reviewed our member’s concern. On 14 November 2016, Karen...

C[redacted], Manager, Repossession, spoke with Mr. [redacted] regarding his account. Ms. C[redacted] informed him that the repossession agent, [redacted] Recovery, was provided with his contact information and that they will contact him to make arrangements to pick up his personal property. We understand that Mr. [redacted] has made an appointment with the agent. Ms. C[redacted] also advised our member that since the repossession and storage fees are charged by the agent, we will not refund them.
Mr. [redacted]’s vehicle is stored at an auction; however, the allotted timeframe to retrieve the vehicle expired on 21 November. The vehicle will be scheduled for sale. Once the vehicle is sold, all expenses will be deducted from the sale proceeds and the balance of the check will post to the loan balance. Mr. [redacted] will be informed of the sales results after the vehicle is sold.
Should Mr. [redacted] have any further questions, he may contact Ms. C[redacted], at ###-###-####, extension 48735, between the hours of 8:00 a.m. and 2:30 p.m., Eastern time, weekdays.

This is in reference to complaint ID number [redacted], which was received by Navy Federal on September 2016, submitted by, [redacted]? We have thoroughly researched [redacted]’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 [redacted], requesting that they remove the inquiry related to the membership application, from [redacted]’s credit report.? It may take up to days for such updated information to appear in her credit file.? We recommend that [redacted] further protect herself by contacting the credit reporting agencies to report herself as an identity theft victim? If [redacted] has any questions, she may contact Robert S[redacted], Assistant Vice President, Security Operations Center, at ###-###-####, extension [redacted], between the hours of 8:a.mto 5:p.m., Eastern time, Monday through Friday

The following references the complaint we received on 8 January 2017 from the Revdex.com on behalf of Navy Federal member [redacted] A. [redacted].  The complaint was assigned an ID number of [redacted].   We have thoroughly reviewed Ms. [redacted]’s concerns.  According to our...

records, Ms. [redacted] contacted us by telephone on 8 January 2017 in regard to the return of an Automated Clearing House (ACH) debit that had been presented for payment to her business checking account on 4 January 2017 and the return of a check that had been presented for payment to the checking account on 5 January 2017.  Ms. [redacted] acknowledged that the return of the check was valid, but wanted to dispute the return of the ACH.  According to our records, the branch Member Service Representative (MSR) provided Ms. [redacted] with correct information.   Although no Navy Federal error occurred, as a courtesy, we have refunded $58.00 to Ms. [redacted]’s checking account as reimbursement for the returned item fees charged for the return of the ACH debit and the check.  However, future returned item fees will not be refunded unless they were incurred due to a Navy Federal error.   Based on our review of the telephone recordings, we believe that both supervisors maintained a courteous attitude when speaking with Ms. [redacted], and we regret that Ms. [redacted] feels otherwise.  Should Ms. [redacted] have any questions, she may contact Jamin O[redacted], Manager, Buckhead Branch, toll-free at ###-###-####, extension 28679, between 9:00 a.m. and 5:00 p.m., Eastern time, Monday through Friday.

The following references the complaint we received on 19 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. We have confirmed that the...

loans and credit card accounts issued in Mrs. [redacted]’s name are valid debts. Each account balance was subsequently charged to our reserves due to non-payment, resulting in a loss to the credit union membership. A consolidation loan was granted to her on 22 August 2008; the balance was deemed a loss on 27 March 2014. A Checking Line of Credit (CLOC) was opened on 30 April 2007; when the account became past due, the outstanding balance was refinanced as a consumer loan. When the refinanced loan fell past due, the balance was also declared a loss on 27 March 2014.
The Visa account, established for Mrs. [redacted] in May 2008, and the [redacted] account, opened in July 2008, became delinquent and the outstanding balances were also declared to be losses.
The trade lines for Mrs. [redacted]’s credit report have been reviewed and are correct. Therefore, no adjustment will be made. We report fair and accurate data to all the major credit reporting agencies and cannot remove any accurately reported information from a credit report.
If she would like to make payment arrangements on her outstanding balances, Mrs. [redacted] may contact our Collections Department at ###-###-####.

[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 have done what the bank has told me to do by contacting my local police, and I have done what's local police have told me to do by contacting my bank about this matter. Unless navy federal navy federal investigation involved calling the merchant and checking cameras or even speaking with their members as to why I made a card fraud claim then the protocol is incompetent. 
Regards,
[redacted]

The following references the complaint we received on 3 October 2016 from the Revdex.com on behalf of Navy Federal member [redacted].  The complaint was assigned an ID number of [redacted]. We have thoroughly reviewed [redacted]’ concern regarding his credit card...

account.  The Navy Federal promotion for which the cardholder was solicited offered a 2.99% Annual Percentage Rate (APR) for 12 months on balances transferred from other card issuers to the cardholder’s [redacted] Signature GO Rewards account at the time of application.  [redacted] did not perform a balance transfer at account opening and therefore the 2.99% APR balance transfer does not apply.   Credit card purchases are assessed an interest charge if the entire balance is not paid by the payment due date each month, as stated in the Credit Card Agreement and Disclosure that is provided to all credit cardholders when a Navy Federal credit card is established.  [redacted]’ credit card balance is the result of purchase transactions, for which the APR is currently 9.74% The example at the top of the cardholder’s statement provides a method of paying down the account balance if he or she makes only the minimum payment due or if he or she pays a higher payment amount.  Additionally, on page two of the monthly statement in the section labelled “Paying Interest”, it states that the payment due date is at least 25 days after the close of each billing cycle and we will not charge our member interest on purchases if the entire balance is paid by the due date each month.   As a one-time courtesy to [redacted], we have waived the interest charges of $24.92 and $24.62 assessed in August and September, respectively.  In the future, the statement balance must be paid in full by the payment due date to avoid the assessment of interest charges. Should [redacted] have questions, he may contact Joanna W[redacted], Supervisor, Credit Card Servicing, at ###-###-####, extension [redacted], between the hours of 7:00 a.m. and 3:30 p.m., Central time, Monday through Friday.

The following references the complaint we received on 25 August 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 investigated our member’s concern regarding his...

credit card account.  The credit card rate is based on the primary card holder’s credit files, including credit card account history at Navy Federal.  Factors such as, but not limited to, outstanding balances, payment amounts, payment frequency, and payment history may have been considered in the account review.  After careful review of [redacted]’s account records, we determined that he does not currently qualify for a reduction in the existing interest rate at this time.   We appreciate our member’s attention to his finances and; we can assist with our free, confidential, and personal finance counseling.  A financial counselor can be reached directly at ###-###-####; additional information and resources can be found at navyfederal.org.  Should [redacted] have any additional questions he may contact Cynthia E[redacted], Assistant Manager, Credit Card Lending, at ###-###-####, extension [redacted], between 7:30 a.m. and 4:00 p.m., Central time, weekdays.

The following references the complaint we received on 18 April 2016 from the Revdex.com on behalf of Navy Federal member [redacted]. The complaint was assigned an ID number of [redacted].We have reviewed Mr. [redacted]’s concerns. The manager of our Equity Lending area attempted to contact...

Mr. [redacted] to discuss this matter, but she was only able to leave a message with her contact information.In August 2015, Mr. [redacted]’s Home Equity Line of Credit (HELOC) was suspended due to a material change in his financial circumstances. He was advised of this suspension in our letter dated 14 August 2015.On 19 April 2016, we received Mr. [redacted]’s request to reinstate his line of credit. We advised him via secure message on that date that we were unable to grant his request, due to his past payment history with Navy Federal. We will be pleased to review any future requests with information demonstrating a change in his financial situation.As noted in our August 2015 correspondence, the HELOC remains suspended and no further withdrawals will be allowed. Regarding how his accounts are displayed, we will review Mr. [redacted]’s feedback on this issue, and consider it in future application enhancements.If Mr. [redacted] has any questions, he may contact our Equity Lending manager using the contact information she provided.Tell us why here...