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 responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because even though I filed bankruptcy and the account had an outstanding balance, you still can not report the accounts as a charge off and included in bankruptcyIt is against the bankruptcy injunction and that is a law suit because you are reporting as inaccurate informationThere should not be any outstanding balance,and everything should be $outSaying you can not change the status is a complete lie, and I have talk to my attorney and you are reporting inaccurate informationAlso, I would like the verification method for these four bureaus you claim to consult
Regards,
Erica Cuff

This is in reference to the follcomplaint we received on May from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was originally assigned an ID number of *** Navy Federal has reviewed our member’s concerns. As we stated in our previous response, *** *** is encouraged to dispute the information at issue and he may do so by writing Early Warning Services, LLC. The firm’s contact information is: Early Warning Services, LLC ATTN: Consumer Services *** * *** *** *** *** Scottsdale, AZ *** Telephone No.: ###-###-#### Fax No.: ###-###-#### Should he have any questions, he may contact Robert S***, Assistant Vice President, Security Operations Center, at 1-888-842-NFCU (6328) between 8:a.mand 5:p.m., Eastern time, weekdays

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: Per my conversation with ***, *** and *** - Navy Federal is still reporting this as my accountThis should not be on my credit report at all and I request that Navy Federal Remove this account from my file immediately. At this point they are reporting information to my report that is very inaccurate. There should be nothing for them to report since this is mot my account
Regards,
*** ***

The following references the complaint we received on
December from the Revdex.com on behalf of Navy Federal member *** ***. The
complaint was assigned an ID number of ***.Navy Federal has thoroughly reviewed ***’s
concerns. Charles G***,
Supervisor,
Financial Crimes and Risk, contacted him and advised that we have closed the
accounts that had been opened in his name. In addition, we have notified the nationwide consumer reporting agencies
to remove Navy Federal information from ***’s credit report. On September, we forwarded a letter to **
*** which addressed all of his concerns; a copy is attached. We consider the case to be closed.Should *** have additional concerns, he may call Jimmy
R***, Assistant Vice President, Financial Crimes and Risk, at ###-###-####
between 7:a.mand 3:p.m., Central time, weekdays

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

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

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because:
Navey fed said they were not mine THATS Y THEY STOPPED PYMTOK Y DID THEY STOP PYMT ON IT IF I WANTED TO PAY THEM THAT MAKES NO SINCEI TRIED TO STOP PYMENT CAUSE I DID NOT SET UP YHE PAYMENT AND THE PROFF OF THAT SHOULD Be that I tried to stop payment on itEven they say that.
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 is in response to the complaint we received on August from the Revdex.com on behalf of *** ** ***. The complaint was assigned an ID number of ***. According to our records, our member requested to close her personal account on
August 2015. Subsequently, her checking account was closed on August and her savings account was closed on August 2015. *** *** updated her address on August 2015. We also received a request from our member to close her business account on August 2015. As a result, her Business Checking account was closed on August and her Business Savings account was closed on August 2015. Consequently, a share withdrawal check was sent to our member on August 2015. Follquestions should be directed to Juliane D**, Supervisor, Membership Operations, by calling ###-###-####

This is in reference to complaint ID number ***, which was received by Navy Federal on August 2016, submitted by our member, *** ***
We have thoroughly researched the concerns presented in our member’s complaint Our records show that due to a clerical error, *** ***s
request to begin a bi-weekly Budget Easy Pay starting on May was not processed correctly As a result, the automatic drafts for May and May to his mortgage loan account number ending in did not occur Navy Federal strives to provide efficient, accurate, and responsive service to our members at all times, and we regret that this is not consistent with our member’s experience
On September 2016, we contacted *** *** by e-mail and provided him with the necessary information needed to re-initiate Budget Easy Pay automatic drafting On September 2016, *** *** responded that he would not be utilizing this payment plan Currently, our member’s mortgage loan is set up to auto draft on the tenth of each month Per *** ***s request, Navy Federal will e-mail a copy of his mortgage payment history for the period of May through September to his e-mail address of record In addition, we have confirmed that negative information regarding *** ***s mortgage account was not reported to any of the credit reporting agencies Navy Federal regrets any frustration and inconvenience our member may have experienced in this matter
If *** *** has any questions, he may contact Rob W***, Supervisor, Mortgage Member Services, at ###-###-####, extension ***, between the hours of 8:a.mto 4:p.m., Eastern time, Monday through Friday

The following references the complaint we received on March from the Revdex.com on behalf of *** ***. The complaint was assigned an ID number of *** Navy Federal has thoroughly reviewed *** ***’s concerns. Our records show *** ***’s ***
account was opened on August 2017. Navy Federal received one payment in the amount of $on October 2017, which satisfied *** ***’s payment due for September 2017. The account was closed on December due to nonpayment and has an outstanding balance of $78.15. *** *** is responsible for the repayment of the outstanding credit card account balance. However, we have also determined, based on our investigation, to request that the credit reporting agencies delete the tradeline from her credit file Our Security Department completed a thorough investigation and *** ***’s accounts will remain restricted Should *** *** have additional questions or wish to discuss her repayment options, she may contact our Collections Department at ###-###-####, extension ***, between the hours of 8:a.mand 7:p.m., Eastern time, Monday through Friday

This is in reference to the follcomplaint we received on April from the Revdex.com (Revdex.com) on behalf of Navy Federal member *** ** ***. The complaint was originally assigned an ID number of *** Navy Federal has again reviewed *** ***’s concerns. Alan A***, Business Operations Specialist, attempted to reach our member by telephone on April; however, he was only successful in leaving a message As advised in our response to her original communication with the Revdex.com, we are charging interest at the correct rate on her *** account and her payments are being applied correctly. A review of her account has revealed that *** *** typically makes the minimum monthly payment or a small amount in excess of the minimum payment each month. If she makes only the minimum payment each month, she will pay more in interest over the life of the account and it will take more time to liquidate her balance. *** *** may pay the new balance in whole or in part at any time; Navy Federal will not charge a penalty for paying more than the minimum payment. The Payment Information section of her monthly credit card statements provides examples of the length of time needed to liquidate the credit card account balance if no additional charges are posted each month Should she have any questions, *** *** may call John Pikiell, Assistant Manager, Credit Card Servicing, at ###-###-#### between 8:a.mand 4:pm., Eastern time, weekdays.

The following references the follcomplaint we received on January 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. Ms*** *** *** contacted Mr*** on January to advise that we are researching this matterAccording to our records, our member has two personal expense loans and a credit card account that were charged-off due to non-payment. All three accounts have outstanding balances As requested by our member, we have reviewed the telephone call that took place on August 2016, at 8:a.m., Eastern time, when our member initially contacted our Recoveries Branch. Mr*** agreed to pay $monthly through bi-weekly payments of $starting August 2016. The same day, at 8:a.m., Eastern time, Mr*** called back, requesting that the payment plan be adjusted from $to $monthly, beginning in September 2016. There was no request to modify the payment that was already set to be debited on August We have reviewed our members Navy Federal tradelines with the four nationwide credit reporting agencies and verified that they are reporting correctly. As we indicated in our previous response, once the account balances have been paid in full, we will update our member’s credit file to reflect the accounts as paid Our member has asked for us information related to our recent agreement with the Consumer Financial Protection Bureau (CFPB). We have confirmed that he is not within the population of members eligible for compensation under the CFPB settlement. If Mr*** has any questions, he may Mr*** *** ***, at *** *** *** between the hours of 8:a.mand 6:p.m., Central time, weekdaysTell us why here

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because: to the charges in question were not covered that's not new information but it's very pertinent informationI am only asking for refunding of the items that were not covered by your bank
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 ***, and find that this resolution is satisfactory to me.
Regards,
***l ***

The following references the complaint we received on January from the Revdex.com on behalf of Navy Federal member *** ** ***The complaint was
assigned an ID number of ***
Our representative was able to speak with *** *** on February regarding the
concerns
presented in his complaintShe 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 requestShe also assisted *** *** with his
concerns related to his accounts and our member identification process
Our representative provided her direct phone number to *** ***, and he should feel free
to contact her if he has any additional concerns

This is in reference to complaint ID number ***, which was received by Navy Federal on January 2016, submitted by *** ***
We have researched *** ***’s concernsDue to the limited information provided in the complaint, we were unable to identify the cards
referencedHowever, from information provided to Navy Federal in a previous telephone conversation, we were able to identify a $Gift Card ending in account number ***, purchased on September The terms and conditions provided with the card at the time of purchase detail the activity requirements and fees associated with the cardThe back of the card also states “after consecutive months of no activity, the card will be charged $per month until the balance is depleted or the cardholder makes a purchase.” We have included a copy of the back of the card for reference
As a courtesy, we have refunded $to the Gift Card ending in account number We welcome the opportunity to issue a credit for the additional card which we have been unable to identifyWe request that *** *** contact Stacy S***, Senior Debit Card Services Specialist, at ###-###-####, extension ***, between the hours of 8:a.mand 4:p.m., Eastern time, Monday through Friday

This is in reference to complaint ID number ***, which was received by Navy Federal on November 2015, submitted by our member, *** ** ***
We have thoroughly researched *** ***’s concerns regarding his used vehicle loanNavy Federal will continue to work with our
member to resolve this matter and, as a matter of member service, there will be no further financial obligation under this loan
If our member has any questions, he may contact Carrie M***, Legal Liaison, Consumer Servicing, at ###-###-####, extension ***, between the hours of 8:a.mand 4: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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
Navy Federal forgets to mention how much time was wasted and how much of a hard time your associate are giving me when I callI absolutely hate calling Navy FederalI would prefer to call India and talk to the representatives versus your entitled associates with no customer service skills or empathy.
Regards,
*** ***