Timothy E. Lynch, Inc.

The following references the complaint we received on 6 October 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 concern.  On 6 October 2016,...

Brandie C[redacted], Supervisor, Membership Operations Support, called [redacted]; however, she was unable to leave a voice message.  Additional attempts to contact our member were made on 7 October and 11 October.  The membership referral promotion deposit of $50.00 was credited to our member’s savings account on 6 October.    Direct deposits will post to the account in accordance with the instructions [redacted] provides to her employer, and will be available when cleared through the Automated Clearing House (ACH) system.    We apologize if [redacted] felt unfairly treated during a phone conversation with Navy Federal.  Navy Federal strives to provide exceptional service at all times and we regret that [redacted] feels she was not afforded such service.    Should our member have any questions, she may contact Ms. C[redacted] at ###-###-####, extension [redacted], between the hours of 9:00 a.m. and 3:30 p.m., Central time, weekdays.

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 is in response to the complaint we received on 29 September 2015 from the BetterBusiness Bureau on behalf of [redacted]. The complaint was assigned an ID number of[redacted]We have thoroughly researched our member’s concern regarding the loan ending in [redacted] which wasenrolled in...

our optional Guaranteed Asset Protection (GAP). Mr. [redacted]s used vehicle loan ending in[redacted] originated on 24 December 2012 and was enrolled in the optional GAP program as he requested on24 December 2012. His GAP claim was submitted on 22 September 2015; the claim was subsequentlyapproved on 30 September 2015. Our member did not make the September payment so it was subtractedfrom the payoff. Our member is requesting that Navy Federal pay this amount since it was after his Dateof Loss.The GAP Claims Administration applied the GAP coverage amount as follows to the loan ending in[redacted]:? Balance at the time of loss (maximum covered $46,324.50) $50,502.25? [redacted] insurance payment -$31,913.20? Balance after [redacted] insurance payment $18,589.05? GAP adjustment at 150% LTV -$14,411.30? Balance after the GAP adjustment $ 4,177.75? Courtesy adjustment for 22 September 2015 -$ 1,276.58? Remaining balance on account $ 2,901.17When members enroll in our optional GAP program, they receive an Agreement and Disclosure whichstates the following: “During the time it takes to process your claim, you remain responsible for makingat least the minimum payment due on the Loan by the regular payment due date. You are responsible forany difference between the minimum payment due on the Loan and the amount canceled. If you have avalid claim, we will refund the portion of your payment(s) that should have been canceled or postponedaccording to the terms of this agreement.”As a courtesy, we have waived the 22 September 2015 payment due in the amount of $1,276.58. Thisleaves our member with a remaining balance of $2,901.17 on the account.Follow-up questions should be directed to B[redacted] Loan Protection Claims Processor, by calling **
[redacted] between the hours of 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 16 February 2016, submitted by [redacted].
We have thoroughly reviewed [redacted]’s concern. According to our records, [redacted] was added as authorized user to credit card xxxx-xxxx-xxxx-[redacted] when the...

account was established. His name was removed from the account at the request of the primary account holder on 26 October 2015. At that time, Navy Federal sent a request to the credit reporting agencies to update [redacted]’s credit report to show his relationship terminated from the account. We report accurate and complete information for authorized users, and we have verified that the information is accurately reflected on the report.
Questions regarding this matter may be directed to Carrie M[redacted], Legal Liaison, Consumer Servicing, 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 6 December 2016 from the Revdex.com on behalf of Navy Federal member [redacted]. The complaint was assigned an ID number of [redacted].
We have confirmed the accounts referenced in Ms. [redacted]’ complaint are valid debts. We have...

verified that these accounts are reporting accurately and we will not request a change to Ms. [redacted]’ credit file as we report fair and accurate data to all major credit reporting agencies. Ms. [redacted] is responsible for the repayment of these debts.
If Ms. [redacted] would like to arrange payment, she should contact our Recoveries Branch at ###-###-####, between the hours of 8:00 a.m. and 11:00 p.m., Eastern time, Monday to Friday, and 9:00 a.m. to 5:30 p.m., weekends.

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...

This is in reference to the follow-up complaint we received on 11 August 2015 from the Revdex.com on behalf of Navy Federal member [redacted] J. [redacted]. The complaint was originally assigned an ID number of [redacted].
Our pre-approval of our member’s mortgage request was based on the salary information he provided when he applied. He advised that he would be earning $65,000.00 after leaving the military. During the pre-approval process, we explained that we would need additional verification of his future salary. The required salary information, which did not confirm the $65,000.00 figure, was not provided by Mr. [redacted] until 18 June, one month after the home inspection in question had been conducted. Under the circumstances, Navy Federal was unable to approve the mortgage and will not be refunding the non-required home inspection fee.

[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 do not feel I should be held responsible for a bad check. The banking institution should know these things . I thought my money was INSURED by the FDIC. Seems to me the banks are working with these scammers.I feel violated in every way.I will be removing the little funds I have left from all Navy Federal accounts. I know Navy Federal  could care less,but at least my money will be safe out of Navy Federals hands.Good luck with your continued unarmed robbery for it will one day bite you in the AS.
I am rejecting this response because:
Regards,
B[redacted]

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 28 July 2015, submitted by our member, [redacted].
We have researched the concerns presented in our member’s complaint regarding the processing of his Home Equity Line of Credit request. Johnna...

S[redacted], Manager, Equity Processing and Closing, contacted [redacted] by telephone on 30 July and 3 August. She explained that the documents which our member and his wife were asked to sign are required by the State of North Carolina, and did not give our member’s wife ownership in the property. We regret that information to the contrary was inadvertently provided to [redacted]. The appraisal fee of $420.00 was refunded to our member’s savings account on 11 August in accordance with his request.
If [redacted] has any questions, he may contact Ms. S[redacted] at ###-###-####, 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 14 December 2016 from the Revdex.com on behalf of Navy Federal member [redacted]. The complaint was originally assigned an ID number of [redacted].
Navy Federal’s automated system will not allow a member to maintain an Active Duty checking without the Direct Deposit of Net Pay (DDNP). Currently, Colonel [redacted] has an allotment
that is distributed to Navy Federal which, unfortunately, does not satisfy the requirement for the checking account he has requested. If he were to change the destination of his DDNP to Navy Federal, the requirement for the Active Duty Checking Account would be met.
We regret any miscommunication which may have occurred in this matter. We appreciate Colonel [redacted]’s feedback, and we will consider it when we evaluate our products and services for potential enhancements.
Should he have any additional questions, Colonel [redacted] may call Jackie Madderra, Supervisor, Savings and Checking Operations, at ###-###-####, extension [redacted], between 8:00 a.m. and 4:30 p.m., Central time, weekdays.

The following is in response to the complaint we received on16 July 2015 from the Revdex.com on behalf of Navy Federal member [redacted].  The complaint was assigned an ID number of [redacted].  When a deposit is made at a Co-op ATM, the deposit is subject to a...

five-business-day hold beginning on the date the check is posted. Checks deposited before 10:00 a.m., Eastern Time, will post the same business day.  Checks deposited after10:00 a.m., Eastern time, will post the following business day. According to our records, [redacted] is enrolled in Navy Federal’s Mobile and Scan Deposit services. These services allow our members to have faster access to deposited funds than using a Co-op ATM.  For furtherinformation and funds availability in regard to Mobile and Scan deposits, our member should visit the navyfederal.org home page, click on the Products & Services tab, then click Checking & Savings and finally clickon the Mobile & Scan Deposits link.To find the ATMs closest to her location, our member can visit navyfederal.org and click on the Branches& ATMs link at the top of the page.  Next, our member should enter in her zip code and click on Search.  This automatically displays the closest ATMs in a 30-mile radius.  To find the closest ATM that accepts deposits, she can click on the box next to Deposit-Taking Only and under Distance, select five miles, then click on Go.  When a member reports a billing error/dispute to Navy Federal, we have a period of up to ten days to issue a provisional credit to our member.  The charge must first post to the member’s account for a dispute claim to be filed and provisional credit to be issued, if applicable. Our records show [redacted] last used Navy Federal’s Web Bill Pay Service in March 2015 to make a payment.  However, the item was returned due to insufficient funds.  To ensure an item will be paid, sufficient funds need to be on deposit and available for use for the item to clear the account.  Follow-up questions should be directed to Patricia W[redacted], Savings and Checking Operations Specialist, by calling ###-###-####, extension 74363, between the hours of 6:00 a.m. and 4:30 p.m., Central time, Monday, Wednesday,Thursday and 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: This is still not acceptable. Even during the investigation of my complaint, the banks did not update their notes in the system to reflect conversations that were held between the CSR,or, security and between myself. For example, I was advised by a customer service rep and security personell that the funds would be available 12/28/16. The next day, still no money. When I asked the team member to reflect back on notes-conveniently the CSR or Security did not document the system to reflect them telling me that funds would be available on the 28th. Furthermore, funds were verified prior to the release date by Navy FCU staff. Their apologies means nothing to me when my families holiday was destroyed. I am on the verge of making this a larger issue and more public. Navy FCU can pack their apologies and send them on a one way trip, I am not accepting an apology after having to wait over 3 weeks for a 1,200.00 check. I was treated like a suspect criminal each time I called to check on my money that I earned and I will never forget that. Navy FCU needs to show sorry because their words mean s[redacted] And the audacity to send a message after this inconvenience through a mutual. VP had  the option to call me, or even write a letter. I don't even want to deal with the VP of Security- who is he? Is he responsible for training his members to fix up notes in the credit union's favor? Is he responsible for the "World Class" Customer Service of Navy FCU? My sister has upward of 60k in her accounts with Navy FCU, she is closing them out due to how I was treated- she was involved in a convo between a Sup and myself in which the supervisor failed to advise why a flag was placed on my account in the first place. Guess what, the conversation was not noted. But I absolutely reject Navy FCU resolution which is nothing.
Regards,
[redacted]

The following references the complaint we received on 1 September 2015 from the Revdex.com on behalf of Navy Federal member [redacted].  The complaint was assigned an ID number of [redacted].Navy Federal has reviewed our member’s concerns.  On 2 September, Linda T[redacted],...

Supervisor, Loan Officer, spoke with [redacted] and was able to advise him that we had changed the terms of his loan from 60 months to 72 months.  The interest rate of 5.8% per annum remains the same; his new monthly loan payments are $413.90.  A corrected Promissory Note has been sent to our member via [redacted].  We will use this situation in our training to ensure that other members will not be similarly inconvenienced.Should [redacted] have any questions, he may contact Ms. T[redacted] at ###-###-#### between 1:30 p.m. through 9:00 p.m., Central time, Sunday through Thursday.

The following references the complaint we received on 1 April 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 strive to provide courteous service at...

all times and we regret any frustrations Staff Sergeant [redacted] experienced when he called on 31 March.Our investigation revealed that Staff Sergeant [redacted] was in possession of his [redacted] Check card throughout the time frame in question, and that the disputed transactions were card present transactions. We have also reviewed Staff Sergeant [redacted]’s transaction history and, based on the facts surrounding the use of our members [redacted] Check card, we found that our member benefited from the transactions. Under the circumstances, we found that no error had occurred and we have denied our member’s claim.Should Staff Sergeant [redacted] have any additional questions, he may call Amanda D[redacted], Supervisor, Card Fraud Prevention and Recovery, at ###-###-#### between 7:30 a.m. and 4:00 p.m., Eastern time, weekdays.

The following references the complaint we received on 13 January 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 investigated...

the member’s claim regarding the $197.75 debit.  A provisional credit of $197.75 was credited to her checking account and fees related to the transaction were waived.  Our investigation of this matter has now been completed and the provisional credit was made permanent.

[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 12 September 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 members concern.  The Checking...

Line of Credit (CLOC) was opened 24 June 2015 in Parris Island, South Carolina, when [redacted] established membership with Navy Federal.  On 6 July 2015, [redacted] signed the Active Duty Checking Line of Credit Agreement and Disclosure for the ADCLOC.  Navy Federal has performed a complete audit of the account and verified that starting on 16 May 2016 [redacted]’ available checking account had insufficient funds for presented items; therefore, we accessed his ADCLOC to permit the transactions.    On 14 June 2016, our member’s ADCLOC balance was $392.35, and we received a payment on 27 June 2016 in the amount of $217.22, leaving his balance at $179.03, with a $40.00 minimum payment due on 14 August 2016. On 21 September, his ADCLOC had a balance of $186.78, which included billed interest, with a $60.00 minimum payment still outstanding, for the months of July, August and September.   This is a valid debt which he is responsible to repay.  For his records, we have attached copies of his account statements and the signed Agreement and Disclosure which validates that [redacted] applied for this account.    If [redacted] would like to make payment arrangements, he may call our Collections Department at ###-###-####.  Our representatives are available between 8:00 a.m. and 8:00 p.m., Eastern time, weekdays, and between 9:00 a.m. and 5:30 p.m., weekends. Tell us why here...

[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 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,
[redacted]

The following references the complaint we received on 18 September 2015 from the Revdex.com on behalf of Navy Federal member [redacted].  The complaint was assigned an ID number of [redacted].Navy Federal has reviewed our member’s concerns.  We have refunded a total of...

$98.00 in fees that were charged to [redacted]’s checking account number xxxxxxx[redacted] as a result of a miscommunication concerning her husband’s direct deposit.  We regret the inconvenience and concern [redacted] was caused.  In addition, we have credited $100.00 to her account as reimbursement for any outside fees she incurred as a consequence of this situation.In an effort to ensure that [redacted] does not encounter such difficulties in the future, we advised her that the directdeposit could be distributed to an account in her husband’s name or she could designate her husband as the joint owner of her [redacted] checking account.Tell us why here...

The following references the complaint we received on 22 March 2018 from the Revdex.com on behalf of [redacted]. The complaint was assigned an ID number of [redacted].   Navy Federal has thoroughly reviewed [redacted]’s concerns.  Following a full investigation, [redacted]’s...

claim of unauthorized transactions was denied.  [redacted] and [redacted] remain responsible for the negative balance of the joint checking account.   Should [redacted] have additional questions, she may contact Jimmy R[redacted], Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension [redacted], between the hours of 7:00 a.m. and 3:30 p.m. Central time, weekdays.