Timothy E. Lynch, Inc.

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.

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 28 January 2016 from the RevDex.com on behalf of Navy Federal member [redacted]. The complaint was
assigned an ID number of [redacted].
Our representative was able to speak with [redacted] on 1 February regarding the...

concerns
presented in his complaint. She addressed his questions regarding the processing of his
mortgage application and explained why some of his income information could not be
considered to render a decision on his loan request. She also assisted [redacted] with his
concerns related to his accounts and our member identification process.
Our representative provided her direct phone number to [redacted], and he should feel free
to contact her if he has any additional concerns.

This is in reference to a follow-up complaint, ID number [redacted], submitted by Navy Federal member, [redacted].
We have thoroughly researched our member’s concerns. As advised in our previous response to the Revdex.com on 29 March 2017, [redacted]’s accounts will remain restricted for protection against potential fraud or identity theft until Navy Federal is able to discuss the matter with him and confirm valid identification.
We have verified that the below contact information is correct and have no record of missed calls or voice messages from [redacted].
Should [redacted] have additional questions or concerns, he may contact Robert S[redacted],
Assistant Vice President, Security Operations, at ###-###-####, extension [redacted], between the
hours of 8:00 a.m. and 5:00 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 [redacted], and find that this resolution is satisfactory to me. 
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]

The following references the complaint we received on 26 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 and we have found...

that charges for his utilities have been approved with the exception of a [redacted] charge, which was declined on 11 April 2016.    On 6 April, [redacted] attempted a charge to [redacted] in the amount of $35.99.  The charge was declined and [redacted] was contacted.  He verified that the transaction was valid and, when he attempted the charge a second time, it was approved.  On 11 April, our member attempted the above-mentioned charge to [redacted] in the amount of $50.99; when the charge was declined, [redacted] was again contacted for verification purposes.  He confirmed that the transaction was valid and the second attempt was approved. These transactions were internet-based and our automated system identified them as suspicious. The transactions in question followed a possible fraud trend and we were alerted as to a need for verification in each instance.   Navy Federal strives to protect the safety and security of our members’ accounts while providing convenient and efficient service to our members at all times.  Our Credit Card Fraud Prevention group is continuously working to find ways to minimize any negative impact to our membership, and we regret any frustration [redacted] experienced in this instance.   Should he have any questions, [redacted] may contact Eric M[redacted], Supervisor, Card Fraud Prevention, at ###-###-####, extension 70498, between 7:00 a.m. and 3:30 p.m., Central time, weekdays.

The following references the complaint we received on 20 July 2016 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. [redacted] submitted a claim of unauthorized...

activity on his account. After thoroughly investigating our member’s claim, we determined [redacted] was aware of and benefitted from the transactions conducted on his account; therefore, he is responsible for the outstanding balance on his accounts.
Should [redacted] have any questions, he may call Jimmy R[redacted]. Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension [redacted], between 8:00 a.m. and 4:30 p.m., Central time, weekdays.

The following references the complaint we received on 31 August 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 confirmed that three...

fraudulent debits of $125.00, $125.00 and $124.42 were paid from [redacted]’s joint checking account on 18 August 2014.  We have therefore made a provisional credit of $374.42 to the account.  In addition, we have notified [redacted] as to the credit.  Although our member was initially provided with incorrect information concerning a time limitation for reporting such transactions, we confirm that there is no time limit for reporting forgeries or fraudulent activity.Should [redacted] have additional concerns, she may call Priscilla L[redacted], Assistant Supervisor, Card Fraud Recovery, at ###-###-####, extension [redacted], between 6:00 a.m. and 2:30 p.m., Central time, weekdays.

The following references the complaint we received on 15 August 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 vehicle...

repossession and determined that the repossession was conducted appropriately.  A letter was sent to our member on 13 May 2016, stating our intent to repossess the vehicle.  The collateral was assigned for repossession on 29 July.  We received a payment of $650.00 on 11 August; however, at that time, the past due amount was $987.90, of which $337.90 was due for his July payment.   Our records indicate that [redacted] spoke to a Member Service Representative on 10 August 2016 and there was a miscommunication concerning the repossession process.  As a matter of member service, we are mailing [redacted] a check to reimburse him for the costs associated with the repossession.   Should [redacted] have further questions, he may contact Ms. C[redacted] at ###-###-####, extension [redacted], between the hours of 8:00 a.m. and 4:30 p.m., Monday through Friday.   In addition to his vehicle loan, [redacted] has a personal expense loan that is currently past due by $68.42, with a payment due date of 8 August 2016.  He may call ###-###-#### between the hours of 8:00 a.m. and 8:00 p.m., Eastern time, to schedule payments for that loan.

The following is in response to the complaint we received on 4 August 2015 from the Revdex.com on behalf of [redacted].  Corey W[redacted], Supervisor, Equity Lending, spoke with our member regarding his concerns on 5 August 2015. Weregret any frustration our...

member may have experienced regarding the response time of our processor.  The processor involved in our member’s case has been counseled on the importance of returning member calls promptly.We understand the inconvenience and cost involved with obtaining a roof certification, but we need to be assured that the roof is sound prior to making the loan since our member stated that he does not intend on using the loan proceeds to repair or replace the roof.  Otherwise we could move forward with his loan and pay the roofer directly once the work is completed. Another requirement for the loan was to have a lead paint inspection done.  Since our member has already completed a lead paint test and has confirmed its presence, a new test is not needed.  However, the lead paint must be remediated.  Once we have the report from the inspector stating that all traces of lead paint have been removed, we can release the funds needed to pay the remediation company.Follow-up questions should be directed to [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 1 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 [redacted]’s concern and as advised in our...

previous response to the Revdex.com on 29 October 2015 (Identification number [redacted]), we have found that no error has been made by Navy Federal.  The restrictions which were put on [redacted]’s account were placed correctly.    Should she have any questions, [redacted] may call Robert S[redacted], Assistant Vice President, Security Operations Center, at ###-###-####, extension [redacted], between 8:00 a.m. and 5:00 p.m., weekdays.

---------- Forwarded message ----------From: [redacted] Date: Tue, Feb 23, 2016 at 10:32 AMSubject: #[redacted]To: "[email protected]" I am informing you that we contact Navy Federal Credit Union again about case #[redacted], informed we...

filed the complaint to Revdex.com. This time different customer represent answered and within minutes he sent us gift card $125 electronically. He promised the first represent, [redacted] the supervisor of redeem department, her action was not the protocol and make sure it's not happening again. We are not satisfied the supervisor's action, she should not be in that kind of position but for the this matter, case #[redacted] we consider it's closed.Thank you for all of your work and protection for both consumers and businesses. Warm regards. [redacted]

The account was only delinquent because payments were not made (per instruction of a NFCU loan officer, while the claims and settlements were applied.  It took a CONSIDERABLE length of time for NFCU to respond to the insurance company and NFCU was notified of the accident the same day it occurred. Of there was a deliquency, it was due to the fact that the advise of NFCU loan officer was followed and NFCU delayed the process. Therefore, it was the responibilty of NFCU to process in a timely matter and not hold the customer responsible for NFCU employee failing to complete the task timely.
 Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 11 August 2016, submitted by our member, [redacted].
We have thoroughly researched the concerns presented in our member’s complaint. On 13 November 2014, [redacted] received budgetary counseling...

from Navy Federal’s Personal Financial Management program. We were able to place her Navy Federal loan account number ending in 67 on a reduced Annual Percentage Rate (APR) and reduced payment plan for a period of 12 months beginning 15 January 2015. Due to a Navy Federal error, [redacted]’ 67 loan did not properly revert back to the original APR and payment amount in January 2016; subsequently, her payment due continued at the plan amount until 25 July 2016.
Due to our error, we have adjusted [redacted]’ 67 loan to the reduced payment for the months of July and August 2016. On 11 August 2016, Shawn J[redacted], Personal Finance Specialist, spoke with [redacted] and advised her of the payment due date(s) and amount.
We were also able to place her 67 loan on the reduced APR and reduced payment plan for an additional 12 month period beginning 24 September 2016.
We regret any inconvenience and frustration this matter may have caused our member.
If [redacted] has any questions, she may contact Amanda Schell, Assistant Supervisor, Personal Finance Management, at ###-###-####, extension [redacted], between the hours of 11:30 a.m. to 8:00 p.m., Central time, Monday through Friday.

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 29 July 2016, submitted by our member, [redacted].  We have spoken to [redacted] and are working with her to resolve her concerns.

[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: there was no responses giving to me in October of last year besides show  O proof of identification a long with a states ID an there would be a way to reopen a ne checking an savings due to the reason the account was locked was no fault of my own being my account was hacked an compromised without my knowledge. So whatever response that was sent was not sent to me in Korea where I tried restarting and reopening my account.
Regards,
[redacted]

The following references the complaint we received on 19
November 2015 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
claim.  We have...

determined that there was
no Navy Federal error concerning the return of the check for $1,500.00.  Our member remains responsible for the
overdraft which resulted from the return of the item.  We suggest that he pursue legal action
against the drawer of the check.We have reimbursed the funds
deducted from the minor children’s accounts, on which [redacted] is a joint
owner, that were removed to help defray a portion of the overdraft.Should he have any questions, [redacted] may contact
Charles G[redacted], Supervisor, Financial Crimes and Risk, at ###-###-####
between 7:00 a.m. and 3:30 p.m., Central time, weekdays.

The following references the complaint we received on 2 March 2016 from the Revdex.com on behalf of Navy Federal member [redacted].  The complaint was assigned an ID number of 11181741.   Navy Federal has reviewed our member’s concerns.  On 3 March, Jeffrey...

G[redacted], Supervisor, Consumer Portfolio, contacted [redacted] to discuss her loan account.  We worked with our member to resolve her concern, and we confirmed that the interest rate on her loan is 3.59% per annum.

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 20 June 2016, submitted by our member, [redacted].
We have thoroughly researched the concerns presented in our member’s complaint regarding her vehicle repossession. Through our review of this...

matter, we concluded that Navy Federal mailed [redacted] an intent to repossess notice.
We have been working to resolve this matter with [redacted] and a portion of the costs associated with the repossession were waived. [redacted] was not required to remit the upcoming payment in order to retrieve her vehicle. The fee associated with the pick-up of her personal belongings is not a Navy Federal cost and will need to be addressed with the repossession agency. We previously sent the requested information pertaining to the past due amounts and the required retrieval fees separately to [redacted]; an additional copy is being mailed to her address of record.
We will not request a change to her credit report as all data reported concerning the vehicle is accurate; the delinquent payment history will remain on the report. Should [redacted] obtain any supporting documentation that would substantiate a correction to the reporting of this account, she may fax it to us at [redacted], Attention: Credit Bureau Reporting/Disputes.
If [redacted] has any questions, she may contact Karen C[redacted], Manager, Repossession, at ###-###-####, extension [redacted], between the hours of 8:00 a.m. to 4:30 p.m., Eastern time, Monday through Friday.