Timothy E. Lynch, Inc.

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,
*** ***

This is in reference to the follcomplaint we received on March from the Revdex.com (Revdex.com) on behalf of Navy Federal member *** ** ***. The complaint was originally assigned an ID number of *** We have reviewed *** ***’s Power of Attorney and her attorney-in-fact can now make transactions on her Navy Federal accounts at any time. As previously advised, *** *** may request a code word for her account in writing. We consider this matter to be closed

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

This is in reference to complaint ID number 11630378, 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 regarding her Guaranteed Asset Protection (GAP) claim Through
our review of this matter, we concluded that no Navy Federal error occurred On July 2016, Mrs*** submitted a GAP claim on her vehicle loan account number ending in On July 2016, a claim letter was mailed to Mrs*** stating the documents needed to process the claim; the settlement check and the settlement breakdown worksheet A claims processor contacted Mrs*** on July and informed her that we received her claim, and that she will be receiving a detailed claim letter in the mail She was also advised of her responsibility to continue payments on her loan during the GAP claims process in accordance with the terms of the GAP agreement
On July 2016, Navy Federal received an insurance settlement check from *** *** Insurance in the amount of $17,090.23; this amount was incorrect according to the settlement breakdown Due to *** ***’s error, on August 2016, we informed Mrs*** that Navy Federal needed to return the settlement check to the insurance company in order to process the claim On August 2016, Mrs***’s payment in the amount of $posted to the loan Once the settlement check is received to the loan, any reimbursement owed to Mrs*** will be calculated and credited to her Navy Federal savings account
We regret any frustration and inconvenience our member may have experienced in this matter If Mrs*** has any questions, she may contact Gina B***, Supervisor, Loan Protection Programs, at ###-###-####, extension ***, between the hours of 8:a.mto 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,
*** ***

[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

The following references the complaint we received on September from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of *** We have thoroughly researched *** ***’s concern regarding his mortgage loan
with Navy Federal. *** *** was contacted on September by Lisa W***, Supervisor, Pensacola Mortgage. Navy Federal strives to provide accurate and efficient service to our members during the mortgage application process We regret the frustration our member experienced as a result of the communication during his loan closing process regarding origination fees. As a member courtesy, we have credited our member the $1,he has requested, and he is satisfied with the resolution

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

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 ###-###-####

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

[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 ***

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.

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

[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,
*** ***

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

The following references the complaint we received on August from the Revdex.com on behalf of *** ***. The complaint was assigned an ID number of *** We have thoroughly researched Ms***’s concerns. Ms***’s checking account was opened on
September 2012, but became a loss to our membership due to an overdrawn balance on July 2013. Ms*** remains responsible for the outstanding balance Our records show that Ms*** contacted us on August to discuss payment arrangements for her account. We have sent copies of her account statements to Ms***’s address of record. If she has any further questions or if she wishes to reestablish her membership and savings account, she may contact the Recoveries Branch, at *** *** *** between the hours of 8:a.mand 6:p.m., Eastern time, weekdays

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 investigated our member’s concern***
***’s business checking account ending in number was opened on July On February 2016, *** *** reported a dispute with *** in the amount of $679.85, due to non-receipt of credit from the merchantNavy Federal sent *** *** a letter on February explaining that a provisional credit had been applied to her account, but may be removed should it be determined that no billing error had occurredOn February, we received a second dispute from *** *** regarding the same merchant in the amount of $241.41; at that time we again advised *** *** of the provisional credit Based on the information we requested and received from the merchant on *** ***’s behalf, we determined that no billing error had occurred. We sent subsequent notifications on March and March regarding both claims advising *** *** that without additional information supporting her claims, we would be closing them and reversing the provisional credits in days. Due to non-receipt of supporting documentation, we reversed the provisional credits on March and March respectively, which caused her account to become overdrawn. We advised her of her negative balance via letter on April. *** ***’s account was charged two $fees for returned items as a result of her negative balance *** credited *** ***’s business debit card account on July in the amount of $219.65, and Navy Federal was advised by our member that the remainder of the disputed amount was given to her by *** as a *** credit; therefore, the dispute has been resolvedAs a courtesy, Navy Federal refunded the returned item fees of $to her business checking account ending in 600, as well as a $miscellaneous fee that may have been charged by *** as a late feeThis represents all of the fees that have been assessed to her business account *** ***’s business checking account remains overdrawn in the amount of $606.24; this amount was charged to our reserves as a loss to the credit union on May We would welcome the opportunity to work with our member to make payment arrangements for the remaining overdrawn balance of the accountShe may contact a Collections Counselor at ###-###-####, extension ***, between the hours of 8:a.mand 6: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 investigated our member’s
concern*** ***’s business
checking account ending in number was opened on July On February 2016, *** *** reported a
dispute with *** in the amount of $679.85, due to non-receipt of credit from
the merchantNavy Federal sent *** *** a letter on February explaining that a provisional credit had been
applied to her account, but may be removed should it be determined that no
billing error had occurredOn
February, we received a second dispute from *** *** regarding the same
merchant in the amount of $241.41; at that time we again advised *** ***
of the provisional credit
Based on the information we requested and received from the
merchant on *** ***’s behalf, we determined that no billing error had
occurred. We sent subsequent
notifications on March and March regarding both claims advising *** *** that without additional information supporting her claims, we would
be closing them and reversing the provisional credits in days. Due to non-receipt of supporting
documentation, we reversed the provisional credits on March and March
respectively, which caused her account to become overdrawn. We advised her of her negative balance via
letter on April. *** ***’s
account was charged two $fees for returned items as a result of her negative
balance
*** credited *** ***’s business debit card account
on July in the amount of $219.65, and Navy Federal was advised by our member
that the remainder of the disputed amount was given to her by *** as a
*** credit; therefore, the dispute has been resolvedAs a courtesy, Navy Federal refunded the returned
item fees of $to her business checking account ending in 600, as well as
a $miscellaneous fee that may have been charged by *** as a late feeThis represents all of the fees that have been
assessed to her business account
*** ***’s business checking account remains overdrawn
in the amount of $606.24; this amount was charged to our reserves as a loss to
the credit union on May We
would welcome the opportunity to work with our member to make payment
arrangements for the remaining overdrawn balance of the accountShe may contact a Collections Counselor at
###-###-####, extension ***, between the hours of 8:a.mand 6:p.m.,
Eastern time, Monday through Friday

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 concern Through Petty Officer ***’s membership agreement and consumer loan Promissory Note, Petty
Officer *** was provided express notice of Navy Federal’s statutory lien in Navy Federal share accounts to the extent of any loan made and any charges payable Petty Officer ***’s consumer loan was past due for the September and October payments and, on November, funds were transferred to the delinquent loan in accordance with our member’s signed Promissory Note Our member’s next loan payment was due on November Although our member’s request to revert funds from the loan account was denied, we provided assistance by granting a 61-day extension which brought the account to a current status
We have listened to the telephone call in question and concluded that our representative acted in a professional manner
If Petty Officer *** has any questions, she may contact Tarsha T***, Assistant Manager, Collections, 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,
*** ***