Timothy E. Lynch, Inc.

This is in reference to complaint ID number ***, which was received by Navy Federal on October 2016, submitted by our member, *** ** ***
We have thoroughly researched the concerns presented in our member’s complaintThrough our review of this matter, we concluded that there was
no loss of funds from Ms*** October online check depositAs we advised our member via our reply to her eMessage inquiry on October, the funds from the online check deposit were available in her account on OctoberWe received and processed the paper check on OctoberHowever, due to Ms*** entering an incorrect check number, our system automatically reversed and reapplied the online deposit with the correct check informationThe $received on October was unaffected
If Ms*** has any questions, she may contact us at *** ***, hours a day, days a week

The following references the complaint we received on August from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of *** Navy Federal has thoroughly reviewed our member’s concerns. Although we
forwarded the payment for *** ***’s property tax on May to make the payment due on June, the payment reflected an incorrect parcel number; this caused the payment to be returned and credited to her escrow account. We have corrected our records to ensure that this error does not recur. On July 2016, we paid the base tax amount of $and the storm water fee of $64.50. The associated penalties and interest, totaling $87.21, were paid by Navy Federal; *** *** was not liable for those funds. *** is listed as the insurance company in all information concerning her mortgage. *** ***’s homeowner’s insurance of $was paid in December at the time of the closing by the title company (*** * *** **). We have verified that the funds were received by *** on January 2016; there was no lapse in coverage. In the event her insurance policy was not paid on time, she should contact the title company. Navy Federal will begin paying our member’s renewal insurance policy to *** in December from her escrow account. Navy Federal strives to provide efficient, accurate, and responsive service to our members at all items, and we regret if this was not consistent with *** ***’s experience Should *** *** have any questions, she may call Terelle M***, Escrow Analysis Specialist, at ###-###-####, extension ***, between 9:a.mand 5:p.m., Central time, weekdays

Complaint: ***
I am rejecting this response because:The information that was sent by Navy federal is fully incorrectAs 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 lineWe left the number ###-###-#### as the proper contact number to be calledI 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 backShe never left me a voicemailBecause I tried to call her back and it stated that the the number was a one way number and could not be connectSo in fact she tried to call me, left no phone numberShe states in the message to you that the account is no longer being reported on my husband's credit reportWe 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 bureausSo this isn't in fact information that they are giving youWe just apply for the home loan in February 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 owedAnd we have still to this day have not received anything from Navy federal stating that the one that is no longer owed.
Regards,
*** ***

The following references the complaint we received on 14 July from the Revdex.com on behalf of Navy Federal member *** ***. The complaint was assigned an ID number of ***. On July, Alan A***, Business Operations Specialist, spoke with Mr***
and offered apologies for the misunderstanding. Navy Federal has honored our member’s rewards points redemption request and a credit has been applied to his credit card account. Should Mr*** have any questions, he may call John P***, Assistant Manager, Credit Card Servicing, at ###-###-#### between 8:a.mand 4:p.mweekdays

This is in reference to complaint ID number ***, which was received by Navy Federal on May 2016, submitted by our member, *** ***. We have thoroughly researched the concerns presented in our member’s complaint regarding the Navy Federal loan number ending in reflecting
him as co-borrower. Through our review of this matter, we concluded that Sergeant *** did not agree to be a co-borrower on the loan. Sergeant *** was removed from the loan effective May On the same date, a request was sent to the credit reporting agencies to remove the loan tradeline from his credit reports. Since a credit inquiry for the loan application was requested from TransUnion, the request to mask the inquiry was sent to that agency. The credit reporting agencies may take days for the updates to reflect on Sergeant ***’s credit file. If Sergeant *** has any questions, he may contact Jimmy R***, Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension 70067, between the hours of 7:a.mto 3:p.m., Central time, Monday through Friday

The following references the complaint we received on October from the Revdex.com on behalf of Navy Federal member *** ** *** The complaint was assigned an ID number of *** Navy Federal has thoroughly reviewed Mr***s concerns. Mr***
submitted a credit card application through our Online Banking service on April and was approved for a *** account with a $2,credit limit. The account has an outstanding balance and is a valid debt. The account was referred to our collections counsel, *** * *** on March We have reviewed Mr***s trade lines with the four major nationwide credit reporting agencies and confirmed his accounts are reflecting correctly. We report accurate data to the agencies and will not remove valid information from his credit report If Mr*** has any questions, he may contact *** * *** at ***

The following references the complaint we received on January from the Revdex.com on behalf of *** ***. The complaint was assigned an ID number of *** Navy Federal has thoroughly reviewed Ms*** concerns. The returned check fees
which were created when two checks Ms*** forwarded to us were returned marked “stop payment” have been waived. The checking and saving accounts in question are now closed with no balance owed. In addition, we have not reported any derogatory information concerning this situation to the Early Warning Services

The following references the follcomplaint we received on July from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was originally assigned an ID number of *** We have conducted a thorough review of *** ***’ loan application that was submitted on July via Navy Federal Online Account Access. A Navy Federal system message was sent to *** *** that advised her that if approved, her payment would be within a possible Annual Percentage Rate (APR) range, showing the lowest and highest possible APR based on the requested term; corresponding payments for each listed rate were shown. The automated response also advised *** *** that we were unable to provide the final APR at that time; however, once the review of the finished application was complete, a final APR would be determined On July 2016, Navy Federal contacted *** *** to clarify the loan purpose. *** *** advised that the purpose was to consolidate debt; therefore, the Member Service Representative updated the purpose of the loan to accurately reflect how the funds would be used. However, the change in purpose had no bearing on the APR, and did not change the APR A careful review of the loan history indicates that the APR for the initial purpose of a personal loan and final purpose of consolidation loan was the same. Unfortunately, *** *** did not qualify for the “as low as” APR that was initially provided in the APR range quoted upon submission of the online application. Should *** *** have any further questions, she may contact Robin L**, Assistant Manager, Consumer Lending Portfolio, at ###-###-####, extension ***, between the hours of 7:a.mand 4:p.m., Eastern time, Monday through FridayTell us why here

This is in reference to complaint ID number ***, which was received by Navy Federal on November 2016, submitted by our member, *** ** ** ***
We have thoroughly researched our member’s concernNavy Federal received a fraud claim from *** *** on October After a
thorough investigation, we concluded that no error occurred based on account activityFunds were withdrawn from Ms***’ savings and checking accounts to reduce the overdrawn amount on Mr***’s account, in accordance with the Joint Ownership section of Navy Federal’s Membership/Savings/Checking Disclosure Statement (copy attached)
Questions regarding this matter may be directed to Jimmy R***, Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension 70067, between the hours of 7:a.mand 3:p.m., Central time, Monday through Friday

The following references the complaint we received on June from the Revdex.com on behalf of *** ***. The complaint was assigned an ID number of *** Navy Federal has thoroughly investigated the concern. On June 2016, Lisa T***, Supervisor,
Membership, spoke with *** *** and explained the membership application process to herMsT*** noted that her brother would need to call Navy Federal in order to see how he could sponsor her as a new member. MsT*** also discussed options of other potential sponsors for *** ***; however, it was determined that currently her brother is *** ***’s only potential connection to our field of membership Should *** *** have further questions, she may call MsT*** at ###-###-####, extension ***

The following references the complaint we received on October from the Revdex.com on behalf of Navy Federal member *** *** The complaint was assigned an ID number of ***
We are thoroughly researching Mr***’s concern regarding his new vehicle loan account
ending in *** with our optional Guaranteed Asset Protection (GAP) coverage We will reach out to the member promptly upon completion of our investigation
Should Mr*** have any additional questions, he may contact Gina B***, Supervisor, Loan Protection Programs, at ###-###-####, extension ***, between the hours of 8:a.mand 4:p.m., Eastern time, Monday through Friday

The following references the complaint we received on July from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of ***. Navy Federal has thoroughly reviewed our member’s concerns. On August,
Kristen J***, Personal Finance Specialist, attempted to contact *** ***; however, she was only successful in leaving a message. When a member makes only the minimum payment on a credit card account, interest is accrued on the outstanding balance. If the member continues to use the card for purchases, liquidating the outstanding balance will become more difficult. Our members’ credit card statements provide information concerning the repayment of the balance, including the number of months needed to liquidate the balance by making only the minimum monthly paymentFurthermore, the statements also give an example of the number of months needed to repay the balance by making a larger payment each month. If possible, increasing her monthly payments would allow *** *** to liquidate her *** balance in a shorter period of time. *** *** seems to be experiencing financial difficulty. She may call our Personal Finance Management team to discuss payment options which may be available to her. Our staff is available between 8:a.mand 7:p.m., Central time, weekdays; the toll-free number is ###-###-####

This is in reference to complaint ID number ***, which was received by Navy Federal on February 2016, submitted by our member, *** ** ***
We have researched our member’s concerns Matthew K***, Contact Center Resolution Specialist, attempted to contact *** *** on and
February; however, he was only able to leave a voicemail message *** *** contacted Navy Federal on November to refinance her vehicle in her husband’s name She was advised that a Power of Attorney would need to be submitted to complete the request on another member’s account
We note that Automated Clearing House transactions from *** Bank are debited from *** ***’s individual checking account Online access to her account was not restricted, and no non-sufficient funds fees were assessed to the account as a result of this matter
Due to the limited information provided in *** ***’s complaint, we are unable to identify the transaction to which she referred as unauthorized We request that she contact us with additional information so that we may research this matter further
We have attached Navy Federal’s Online Account Access, Bill Pay, Popmoney, and Mobile Banking Disclosure, which may be used to add an authorized user to online account access if desired If *** *** has any additional questions regarding this matter, she may contact MrK*** at ###-###-####, extension ***, between the hours of 9:a.mand 5:p.m., Eastern time, Monday through Saturday (Flex-time)

The following references the complaint we received on June from the Revdex.com on behalf of Navy Federal member *** ** *** The complaint was assigned an ID number of *** We have thoroughly researched our member’s concerns. When Sergeant ***
applied for a new vehicle loan, he was offered an optional Payment Protection Plan. At that time, he was advised that purchasing the plan would have no bearing on the approval of his loan request. Our member elected to obtain Payment Protection Plan coverage which is reflected on his signed Promissory Note. In addition, he has the option to cancel his enrollment in the plan at any time We reviewed our telephone records. At no time was Sergeant *** advised we would not report late loan payments to the credit reporting agencies. However, as a member courtesy, due to the issues with Sergeant *** paycheck, we have sent a request to the credit bureaus to delete the May and June late marks on his credit file. Sergeant *** had six other 30-day delinquencies in 2013, and that are reporting accurately and will remain on his account. It may take up to days for the changes to reflect on his Credit Bureau reports If Sergeant *** has any questions, he may contact us at 1-888-842-NFCU (6328)

[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 still believe that NFCU could do a lot more for their customers to better keep track of online transactions like other, much smaller, credit unions allow. NFCU needs to greatly improve to their websites. As I told the NFCU representative, I rarely use NFCU for my banking needs and prefer to use a credit union located hundreds of miles from me as my primary banking institution because of the backwardness of NFCU's online system.I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me although this took far too long to get a formal response back
Regards,
*** ***

This is in reference to complaint ID number ***, which was received by Navy Federal on March 2016, submitted by our member, *** ** *** We have thoroughly researched our member’s concerns. Joel C***, Assistant Manager, Collections, spoke with *** *** on March
and has resolved the issues presented in our member’s complaint. According to our records, our member’s regularly scheduled transfer to his new vehicle loan in December was not completed due to insufficient funds in his checking accountThis caused the loan to become past due, and a notice was sent on February 2016. A payment was transferred from *** ***’ checking account to the loan on February 2016, in accordance with the terms of the Promissory Note for his loan. As our member requested, we have reverted the payment to his checking account, and an associated returned item fee of $was refunded to *** ***’ account. Late fees for the months of January and February were waived as a courtesy to our member. An interest adjustment on his Checking Line of Credit will be completed after interest is assessed for the billing cycle. Questions regarding this matter may be directed to MrC*** at ###-###-####, extension ***, between the hours of 8:a.mand 5:p.m., Eastern time, Monday through Friday

The following references the complaint we received on June from the Revdex.com on behalf of Navy Federal member *** ***. The complaint was assigned an ID number of *** We have thoroughly researched our member’s concerns. According to our records,
*** *** has liquidated the balance of his charged-off credit card account. A request has been submitted to the four nationwide credit reporting agencies to reflect that the balance of the credit card account was paid as of June 2017. Please note that it may take up to days for the changes to be reflected on our member’s credit file Should *** *** have any questions, he may contact MrB***, Counselor, Recoveries Branch, at ###-###-####, between the hours of 8:a.mand 6:p.m., Eastern 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.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. Thank you for assisting in this matter and ensuring I will no longer be discharged from the military because of these issues
Regards,
*** ***

[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 I was contacted and received a direct phone number and contacg to help resolve the matterI have continued to fax material -affidavid of stolen account and police report (3) to them and await the status of the accountWhen working with *** bank they were very helpful and sent me a packet of information about how to deal with id theftI would recommend this company setting up some sort of similar procedure to deal with the informationToday, I faxed verification from the bank that the account at the other bank was not opened by me and hope this resolves the matter.
Regards,
*** ***

The following is in response to the complaint we received on September from the Revdex.com on behalf of *** ** ***. The complaint was assigned an ID number of ***. Monica T***, Short Sale Specialist, called our member’s phone number of record on
September to discuss her concerns; however, *** *** was unavailable, so MsT*** left a voicemail with her contact information. The mortgage account in question is owned by *** *** and serviced by Navy Federal. The request for the short sale was submitted to *** ***. Unfortunately, *** *** denied the short sale on September 2015. That same day, Navy Federal spoke to our member's authorized representative, *** ***, advising of the denial and, if needed, instructions on how to file a dispute with *** *** for reconsideration. On September 2015, we again spoke to *** ***, who stated he would be opening the dispute file later that day. Navy Federal was advised on September that the dispute was completed and that *** *** maintained the short sale denial. Navy Federal cannot proceed without *** *** approval. A conditional offer for a Deed in Lieu of Foreclosure was sent to our member on September 2015. Follquestions should be directed to MsT*** by calling ###-###-#### between the hours of 8:a.mand 4:p.m., Eastern time, Monday through Friday