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]
Good Morning, Rrally, Navy Federal replied using Nov as their justifiable reason when the complaint is about them hitting my credit score 3 times, and one of them in JANUARY was not authorized since... let me bold this because they seem to be incapable of reading I DID NOT SUBMIT THE APPLICATION FOR JANUARY.  The reason why Navy Federal responded this way is because they were wrong, you did not have to do a hard inquiry when I applied for an account but you did, you didn't have to do a hard inquiry in January either BUT YOU DID. My mortgage was declined and the documents showed excessive financial inquiry which is YOU!.
 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 13 July 2016, submitted by our member, [redacted]
We have thoroughly researched the concerns presented in our member’s complaint. Through our review of this matter, we determined that no bank wire...

transfers in the amount of $17,500.00 were received to [redacted]’s account. On 8 July 2016, [redacted] visited our Lemoore Avenue Branch inquiring on a wire received to his account. Our representative advised that we have no record of a wire transfer received to his account and requested that he provide to us supporting documentation so that we may further research this matter. We recommend that [redacted] inquire with his remitting Financial Institution; confirming the amount of the transaction and the originating account. As previously suggested on 8 July 2016, any supporting documentation that [redacted] is able to provide regarding this matter will assist Navy Federal in researching this issue further.
In response to the cease and desist, on 30 December 2015 [redacted] advised our Contact Center representative that he had retained an attorney regarding a financial matter unrelated to this concern. Due to this information, controls were placed on his account to re-direct communications to his attorney regarding this matter. This does not affect the ability to obtain account information or process transactions.
If [redacted] has any questions, he may contact Larry T[redacted], Assistant Supervisor, Federal Wire, at ###-###-####, extension [redacted], between the hours of 11:00 a.m. to 7:30 p.m., Eastern time, Monday through Friday.

The following references the complaint we received on 14 March 2018 from the Revdex.com on behalf of [redacted].  The complaint was assigned an ID number of [redacted].   We have thoroughly researched [redacted]’s concerns.  After a review of our systems using the email...

address [redacted] provided in her complaint, there is no indication that the email address was used in connection with any accounts at Navy Federal.   If [redacted] has any questions, she may contact 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, Monday through Friday.

The following references the complaint we received on 13 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.  On 13 April,...

Joel C[redacted], Assistant Manager, Early Stage Collections, spoke with Mr. [redacted].  As discussed in that telephone conversation, Mr. [redacted]’s credit card account had fallen past due because the automatic transfer was no longer set on our member’s account, and there were insufficient funds in his Navy Federal savings account to complete the minimum monthly payment. Our member’s credit card account has been corrected to show that the account has no delinquency history and will be reported as such to the nationwide consumer reporting agencies.   Mr. [redacted] has asked that we again make transfers to pay his credit card account from his checking account in the future and we have made a notation in our records to begin the transfers on 1 June 2016.    Should he have any questions, our member may call Mr. C[redacted] at ###-###-####, extension 47607, between 8:30 a.m. and 5:00 p.m., Eastern time, weekdays. Tell us why here...

From: Revdex.com of Metro Washington DCDate: Tue, Sep 13, 2016 at 4:30 PMSubject: Fwd: Complaint # [redacted] resolvedTo: [redacted] ---------- Forwarded message ----------From: [redacted] Date: Tue,...

Sep 13, 2016 at 3:02 PMSubject: Complaint # [redacted] resolvedTo: [email protected] [redacted] has been resolved. My membership was accepted today.  Please close this complaint.--

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that they tried to make it right. 
Regards,
[redacted]

This is in reference to a follow-up complaint, ID number [redacted], which was submitted on behalf of [redacted].
On 15 March 2016, Ms. K[redacted], Supervisor, Recoveries, spoke with [redacted] by telephone regarding the issues raised in the complaint and we have resolved the matter directly with [redacted].
Questions regarding this matter may be directed to Ms. K[redacted] 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 26 March 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 [redacted]’s concerns.  Our records show [redacted]...

[redacted]’s loan account ending in [redacted] became a loss to Navy Federal due to nonpayment on 25 February 2016 and his credit card account became a loss due to nonpayment on 29 March 2016. On 2 August 2017, our member agreed to a repayment plan for his credit card account.  However, the repayment plan was voided when the complete credit card payment scheduled for 17 January 2018 was not received and our member did not contact Navy Federal to discuss new arrangements.  Funds were transferred from our member’s checking account to his credit card account on 28 February 2018.  If payments are not received by the payment due date, funds can be transferred to cover the amount owed from the member’s savings and/or checking accounts.  The funds are transferred in accordance with the terms of the Navy Federal Credit Card Agreement and Disclosure, to which our member agreed. Our member established new payment arrangements on 1 March 2018 and a partial refund of the transferred amount was processed.  Our member has subsequently failed to remit payments under the new payment arrangement and his account has an outstanding balance. Should [redacted] have additional questions or wish to re-establish payment arrangements, he may contact Counselor F[redacted], Recoveries Branch, at ###-###-####, extension [redacted], between the hours of 8:00 a.m. and 6:30 p.m., Eastern time, weekdays.

The following references the complaint we received on 11 February 2016 from the Revdex.com on behalf of Navy Federal member [redacted]. The complaint was assigned an ID number of [redacted].
We have reviewed [redacted]’s concerns and have written to her directly to address...

this matter. We regret any inconvenience she was caused, and invite her to contact us using the information provided in our letter should she have any additional concerns.

The following references the complaint we received on 29 January 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.  On 31 August 2017,...

[redacted] contacted us and requested to close his [redacted] Signature GO REWARDS credit card account.  The account is closed with a zero balance.    We have submitted a request to the four nationwide credit reporting agencies to report the account as paid off and closed at the member’s request and requested the necessary adjustments be made to his credit report.  Please note that it may take up to 30 days for the updates to reflect in [redacted]’s credit file.   If [redacted] has additional questions, he may contact our Thi T*, Business Operations Specialist, at ###-###-####, extension [redacted], between the hours of 8:00 a.m. and 4:30 p.m., Eastern time, weekdays.

The following references the complaint we received on 5 May 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 the concerns presented in our member’s...

complaint.  Joel C[redacted], Assistant Manager, Early Stage Collections, attempted to reach Mr. [redacted]; however, he was only able to leave a message.  Through our review of this matter, we concluded that Navy Federal has not misinformed Mr. [redacted] regarding his used vehicle and personal loan accounts.  However, we refunded two late payment fees of $29.00 each to his savings account as a courtesy.   Mr. [redacted]’s loans remain past due.  Although both accounts were brought current by our Personal Finance Management staff in March, the first payments received were reverted to [redacted] Bank; should he have any questions about the return of the funds, Mr. [redacted] should contact [redacted] Bank.  At this time, both loans are past due and no other adjustments will be made.  Furthermore, while we strive to work with our members when they encounter financial hardship, we do not provide the type of compensation requested by our member.   If Mr. [redacted] has any questions, he may contact Mr. C[redacted] at ###-###-#### between 8:30 a.m. and 5:00 p.m., Eastern time, Monday through Friday.

The following references the complaint we received on 31 December 2015 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 apologize...

for any frustration [redacted] experienced during her telephone conversations with our Member Service Representatives. Navy Federal strives to provide respectful and considerate service to our members at all times, and we regret that [redacted] feels she was not treated in this manner.   Our records reflect that on 24 December 2015, [redacted]’s account reflected a beginning balance of $519.83. The following transactions were posted to her account on that date:  two ATM fees of $1.00, each; an ATM withdrawal of $523.50; and Point-of-Sale (POS) transactions of $11.84 from [redacted], $81.00 from [redacted], and $280.20 from [redacted]. These transactions resulted in an overdraft of $378.71. The transactions of $523.50, $11.84, and $81.00 were paid using the Optional Overdraft Protection Service she enrolled in on 18 August 2015. OOPS fees of $60.00 (three $20.00 fees) were assessed, resulting in an overdraft of $438.71.   On 28 December, POS transactions of $40.00 and $71.00 from [redacted] and The [redacted], respectively, were posted to the account with funding from OOPS. The payment of these debits incurred OOPS fees of $40.00. Following the transactions and fees, the overdraft increased to $589.71.   We have found that the OOPS fees assessed on 24 and 28 December were assessed properly and in line with the terms of our OOPS disclosure documents, which have been provided to [redacted] previously. However, as a courtesy to our member, on 4 January 2016 we refunded $80.00 in OOPS fees to her account, as she requested. Future OOPS fees will only be refunded in the case of an error on Navy Federal’s part; no additional courtesy adjustments will be made.  [redacted] may opt out of OOPS at any time by contacting us, or she may opt out directly through Navy Federal Online Account Access. [redacted] would remain responsible for any outstanding balance or fees on her account.   [redacted]’s account currently reflects an overdrawn balance of $358.64. We remind [redacted] that this overdraft must be cured within 30 days, or OOPS will be frozen. The service will remain frozen until the overdraft is satisfied. If the account remains in an overdrawn status for greater than 45 days, OOPS will be terminated.   Should [redacted] have any additional questions, she may contact Vivian B[redacted] in our Savings and Checking Operations area. Ms. B[redacted] is available to assist her between the hours of 7:30 a.m. and 4:00 p.m., 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]. 
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 called Navy Federal Credit Union and reported the card as lost back in June of 2016.  I received a new card a week later, tried to activate it and was told the account was frozen due to suspicious activity.  I was also told I needed to go to a Branch to reestablish my identity.  I live upstate NY where no Navy Credit Union exists.  I traveled on military duty in July of 2016 to Jacksonville FL.  At that time I found a Navy Branch and reestablish my identity.  My new card was finally activated and good to use.  Finally in September of 2016, I called Navy to make a Credit Card payment.  I was told I needed to find a Branch and reestablish my identity.    I'm confused as to why I need to reestablish my identity so much and why I can not make a payment to my credit card.  I recently telephoned Navy and made my credit card payment over the phone using my checking account.  However my account is currently frozen due to "suspicious activity"Regards,[redacted]

The following references the complaint we received on 28
October 2015 from the Revdex.com on behalf of Navy Federal member [redacted].  The
complaint was assigned an ID number of [redacted].We have reviewed our member’s concerns.  Navy Federal does not reveal...

confidential
account information to third parties without a member’s authorization.  In [redacted]’ case, we attempted to contact
her on 15 September; when we were unsuccessful, we placed a call to her place
of employment.  We did not at any time
contact any individual with whom [redacted] has no relation.  Our member has recently furnished her current
employment information; any future telephone contact will be made solely to the
number she provided at that time and any other communication will be made via
E-mail.Should she have any questions, [redacted] may call Joseph
F[redacted], Assistant Manager, Mid-Stage Collections, at ###-###-#### between 8:00
a.m. and 4:00 p.m., Central time, weekdays.

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 24 March 2016, submitted by our member, [redacted].   We have researched our member’s complaint.  We have reviewed all telephone calls to our Contact Center from [redacted] during the months...

of February and March 2016, and have found no instance of any inappropriate interaction by our Member Service Representatives.   In order to further research our member’s concerns regarding items which have posted to her account, we request that [redacted] provide specific information regarding any transactions in question, including the date and amount of the items.  If [redacted] believes that an unauthorized Automated Clearing House debit has posted to her account, she should complete and return the attached Written Statement of Unauthorized Debit.   Questions regarding this matter may be directed to Vivian B[redacted], Savings and Checking Operations Specialist III, at ###-###-####, extension 39012, 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 21 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 our member’s concerns. We received a copy of the police incident report...

related to Lieutenant [redacted]’s claim on 21 April 2016. Our review of this matter has been reopened, and we are working with the Corpus Christi Police Department to validate our member’s claim. One of our investigators attempted to reach Lieutenant [redacted] to advise her of the developments in her claim, but was only able to leave a message. Our member may reach our investigator by calling ###-###-####.

This is in response to the follow-up complaint we received on 25 September 2015 from the Revdex.com on behalf of [redacted].  The complaintwas originally assigned an ID number of [redacted].  [redacted]’s accounts have been closed.  Her address on file is consistent with what is listed in her complaint.

[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 unsatisfactory to me. The fight is not worth the time.Thank you.
Regards,
[redacted]

The following references the complaint we received on 29 June 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 3 May 2016, we...

canceled [redacted]’s personal expense loan for $30,202.00 at his request.  Unfortunately, the loan had already been reported to the four consumer reporting agencies.  We have contacted the agencies and requested that the tradeline regarding this loan be removed from [redacted]’s credit report.  It can take 30 days for such a change to be made.   Should our member have any questions, he may contact Carrie Matthews, Research and Documentation Liaison, at ###-###-####, extension [redacted], between 8:00 a.m. and 4:30 p.m., Eastern time, weekdays.