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:Yes there was a hold placed on my account, I know that. The complaint is because there was a hold placed on my account without my knowledge. I did not receive notification of this act, not a text, phone call or any other method was used to notify me. I had to find out that it was on hold at a gas station where I could not purchase gas. I also missed a mortgage payment because I couldnt access my account. 
Regards,
[redacted]

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.

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 6
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 reviewed our member’s
concerns.  Robert S[redacted],...

Assistant Vice
President, Security Operations Center, attempted to reach [redacted]; however,
he was only successful in leaving a message.  We determined that the restrictions placed on [redacted]’s account were
incorrect given the circumstances surrounding the return of the checks which she
deposited to her account.  The
restrictions she questioned have been lifted.  She now has access to her accounts via her [redacted] Check Card and Navy
Federal Online Account Access.  To
compensate for any inconvenience the account restrictions caused, a gift card
has been provided to [redacted].Should she have any questions, [redacted] may call Mr.
S[redacted] at ###-###-#### between 8:00 a.m. and 5:00 p.m., Eastern time,
weekdays.

This is in reference to the follow-up complaint we received on 12 January 2016 from the Revdex.com on behalf of Navy Federal member [redacted].  The complaint was originally assigned an ID number of [redacted].   Thank you for the opportunity to address our member's concern.  At Navy Federal, our members are always our first priority.  If members fall into default on a loan, we always work with our members to resolve the matter in a fair and reasonable manner.  In this case, [redacted] has received clear written guidance and the name and contact information of the attorney authorized to resolve his claim.

The following references the complaint we received on 22 November 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.  On 28 October 2016, Ms. [redacted] reported a debit card dispute with [redacted] Rent-A-Car, advising that the merchant did not provide services for the amount charged.  We have determined that Ms. [redacted] entered into a car rental contract on 4 August 2016 with [redacted] Car Rental using her Navy Federal debit card to settle any car rental charges.  [redacted] Car Rental charged her debit card for an additional charge related to her rental.  The transaction posted to our member’s account on 27 October under the merchant name “[redacted] Rent-A-Car” due to a partnership between the two car rental companies.   We attempted to contact Ms. [redacted] on 9 November, but were only able to leave her a voicemail.  We followed up that day with a letter explaining in detail the circumstances of her case and our decision for denial.  The case remains closed at this time.   If Ms. [redacted] has any questions, she may contact Catherine S[redacted], Debit Card Dispute Resolution Specialist, at ###-###-####, extension [redacted], between the hours of 8:00 a.m. and 4:30 p.m., Eastern time, Monday-Friday.

The following references the complaint we received on 2 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.  On 1 December,...

Mr. [redacted] spoke with a mortgage staff member who advised our member that we would extend the original interest rate requested at application until 21 December.  His loan is due to close on 19 December 2016.   Should he have any questions, Mr. [redacted] may contact Dee Onassis, Assistant Manager, Mortgage Processing and Closing, at ###-###-####, extension [redacted], between 8:00 a.m. and 4:30 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.] Navy Federal admitted to changing the purpose of the loan. No need to further communicate with Navy Federal. I will notify my attorney.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: The matter was not resolved. The documentation I requested was sent after several request, however, after doing what I was instructed to do by NFCU by filing a fraud claim, the issue has still not been resolved.
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: Navy Federal has yet to date to provide proof that this is in fact a valid claim with the original documentation bearing a signature.
Regards,
[redacted]

This is in reference to a follow-up complaint, ID number [redacted], submitted by Navy Federal member, [redacted]. Navy Federal has advised in our responses to the Revdex.com on 15 July 2016 and 31 August 2016 that no request to change [redacted]’s credit report will be made. Our position remains the same. All data concerning the vehicle is accurate and the delinquent payment history will remain on the report. Her credit report does not reflect the occurrence of the repossession.
We have sent a check in the amount of $175.00 ($125.00 for the delivery fee and $50.00 for personal property retrieval fee) to [redacted]’s address of record. No additional fees regarding the vehicle repossession will be reimbursed. We consider the matter closed
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.

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 7 January 2016, submitted by [redacted].
We have researched [redacted]’s concerns. Due to conflicting information currently on file for [redacted], it will be necessary for her to provide Navy...

Federal with a copy of her Driver’s License and complete a Change of Information/Add joint Owner form, to ensure that accurate information is listed for her account.
In addition, [redacted]’s sponsor, [redacted], must provide proof of eligibility for membership with Navy Federal. This documentation was originally requested on 30 November 2015 and remains a requirement for full access to [redacted]. and [redacted]’ accounts. As advised previously, [redacted] must visit a Navy Federal branch and present a government issued photo ID along with original Social Security card, proof of physical address used to open acct (e.g. original recent utility bill, tax statement, mortgage statement- not a lease or cell phone bill) and show proof that he meets eligibility based on the following requirements: member of the Armed Forces, Department of Defense, Coast Guard regular Active Duty and Reservists; Army and Air National Guard personnel; retired personnel; or through a family relationship or household member.
Questions regarding this matter may be directed to Robert S[redacted], Assistant Vice President, Security Operations Center, at ###-###-#### (please choose option 4), between the hours of 8:00 a.m. and 5:00 p.m., Eastern time, Monday through Friday.

The following is in response to the complaint we received on 24 August 2015 from the RevDex.com on behalf of [redacted]. The complaint was assigned an ID number of [redacted].When applying for a Navy Federal mortgage loan account through a counselor or online, permission...

must be received from the applicant before a credit bureau report is ordered. An online mortgage application will alert the member when he or she is at a point that a credit bureau report will be pulled. The process will not move forward unless the "ok" button is selected. Our counselors obtain verbal permission from our members and note the member’s account as such when taking a mortgage application. Follow-up questions should be directed to Kevin D[redacted], Assistant Manager, Real Estate Lending, by calling ###-###-#### 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 30 June 2016, submitted by our member, [redacted]. We have thoroughly researched the concerns presented in [redacted]’s complaint.  During a telephone conversation with our representative on 2...

June, [redacted] was advised of our verification of membership eligibility requirement.  [redacted] stated she would fax to us the appropriate documents.  On 13 July, Juliane D[redacted] Supervisor, Membership/Members Officer, telephoned [redacted] regarding Navy Federal’s membership eligibility requirements and the status of her loan account number ending in **.  On 14 July, we received document(s) verifying [redacted]’s membership eligibility and the online account restriction was removed.   On 15 July, Anu J[redacted], Supervisor, Endorsement Verification and Loan Cancel, telephoned and confirmed with [redacted] that she would like the ** loan account to remain open.  A new loan draft has been issued and sent to [redacted] with the Promissory Note.  We have verified that Navy Federal has not reported any derogatory information to the nationwide credit reporting agencies regarding this loan.  If [redacted] has any questions, she may contact Carrie M[redacted], Document and Research Liaison, at ###-###-####, extension [redacted], between the hours of 8:00 a.m. to 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: I have never spoken with Navy. Navy must be speaking with someone other than myself.I am again requesting that Navy Federal Mail me the documents showing my signature for each loan. Navy stated that I have signedfor each loan so I am requesting that Navy send me the documentation showing my signature on each loan/credit card account. I willbe expecting 3 loan signatures for the 3 separate accounts. If this can not be provided then by law these accounts have to be removed from the 3 bureau's. My address again for over 10 years is below, which is different from what you show on the paper work of the loans.Please provide the documents ASAP!! Thank You[redacted]Tarboro, NC [redacted]
Regards,
[redacted]

The following references the complaint we received on 5 December 2016 from the Revdex.com on behalf of Navy Federal member [redacted], Jr.  The complaint was assigned an ID number of [redacted]. Navy Federal has thoroughly reviewed our member’s concerns.  On 28...

November, a Point of Sale debit of $132.65 overdrew Mr. [redacted]’ checking account number ending in [redacted] by $96.22.  This overdrawn balance was transferred over to a new checking account number ending in [redacted] when the [redacted] account was compromised and closed.  An Optional Overdraft Protection Service (OOPS) fee of $20.00 was charged to the [redacted] account at the end of the day on 28 November.  The OOPS fee was subsequently refunded as a member courtesy.   A direct deposit was credited to Mr. [redacted]’s savings account on 1 December and a transfer of his available savings balance, $47.30, was made to the [redacted] checking account.  The transfer was made in accordance with Navy Federal procedure; however, as a courtesy, we have credited $47.30 to his savings account. Navy Federal strives to provide accurate, courteous and responsive service to our members at all times, and we regret that Mr. [redacted] was not satisfied with the service he received.

[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]

Complaint: [redacted]
I am rejecting this response because:The information that was sent by Navy federal is fully incorrect. As my husband explained in the letter that we wrote to Navy Federal, my husband is currently deployed his number which is ###-###-#### is currently turned off because he's deployed to another country for the next year and does not have access to a land line. We left the number ###-###-#### as the proper contact number to be called. I received a missed call from a Navy federal number last week while at work that was a one way phone number and had no way to leave a voicemail when I called them back. She never left me a voicemail. Because I tried to call her back and it stated that the the number was a one way number and could not be connect. So in fact she tried to call me, left no phone number. She states in the message to you that the account is no longer being reported on my husband's credit report. We just recently I've submitted an application for a home loan where are the account in question is being reported as uncollected on all three credit bureaus. So this isn't in fact false information that they are giving you. We just apply for the home loan in February 2016. My husband has been trying to reach out to Navy federal to get a letter showing that this debt for the one specific account that is in question is lot no longer owed. And we have still to this day have not received anything from Navy federal stating that the one that is no longer owed. 
Regards,
[redacted]

This is in reference to a complaint we received on 24 May 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.  Our records show that on 22...

May 2017 an unauthorized Automated Clearing House (ACH) debit was deducted from Ms. [redacted] checking account.  On 23 May, Ms. [redacted] confirmed the transaction as an unauthorized ACH debit and Navy Federal closed the affected accounts and opened a new savings and checking account for our member.  On 25 May, we honored our member’s claim and credited her checking account.  We also attempted to contact our member to inform her of our decision on the claim, but we were only able to leave a message.  A letter explaining that we honored the claim was also sent to our member at her address of record on 25 May.   We regret the inconvenience our member experienced.  If Ms. [redacted] has any questions, she may contact [redacted] Financial Crimes and Risk, at [redacted] between the hours of 7:00 a.m. and 3:30 p.m., Central time, Monday through Friday.