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Timothy E. Lynch, Inc.

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Timothy E. Lynch, Inc. Reviews (700)

The following references the complaint we received on
October from the Revdex.com on behalf of Navy Federal member Anthony JBuckland. The
complaint was assigned an ID number of ***.We have reviewed *** *** concerns related to his
request to reestablish
accounts with Navy FederalJuliane D**, Supervisor,
Membership Operations, spoke with *** *** on October regarding this
matterAs MsD** advised, we are able to reopen *** ***
Navy Federal savings account, and can process his request to be added as joint
owner to his wife’s account, upon our receipt of a completed Change of
Information form for the accountHowever, certain restrictions placed on the
accounts when *** *** line of credit account was charged off will remain
in effectAs a result of these restrictions, we will be unable to issue *** *** a debit card for his reestablished account.Should he have further questions, *** *** may
contact MsD** by calling ###-###-####

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 ***
Abigail L***, Ballston Branch Manager, attempted to contact *** *** via telephone; however,
she was unsuccessful Navy Federal has reviewed our member’s concerns and has found that when *** *** visited our Ballston Branch, her birth certificate was scanned to our headquarters for review Once the certificate had been scanned, the manager of the branch handed the original to *** *** We regret that *** *** was frustrated in her attempts to settle this matter
Should she have any questions, *** *** may call MsL*** at 1-888-842-NFCU (6328) She is available between 7:a.mand 5:p.m., weekdays, and between 9:a.mand 2:p.m., Saturdays

The following references the complaint we received on April from the Revdex.com on behalf of Navy Federal member *** ** ***, also known as *** ***. The complaint was assigned an ID number of *** We have thoroughly researched our member’s concerns.
Our records indicate that Ms***’ credit card account ending in *** had an outstanding balance, which was charged to our reserves on July due to non-payment. Her consolidation loan had an outstanding balance which was charged to our reserves due to non-payment. Ms***’ accounts were in a charge-off status before she filed for Chapter bankruptcy protection; therefore, that status will remain on her credit report in addition to the bankruptcy status We have verified that Ms***’ accounts are reported correctly with the four major credit reporting agencies; therefore, no adjustment is required. We report accurate data and cannot remove any accurately reported information If Ms*** would like to discuss this matter further, she may contact us anytime at *** *** Tell us why here

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

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 reviewed our member’s concerns. We confirm that *** ***
***
contacted us on September to request that his wife be removed from his *** credit
card account. We have now credited the $
to his savings account as reimbursement for the unauthorized charges.On October, *** *** *** telephoned Navy
Federal and made a claim of “lost/stolen card”; at that time, the original ***
account was canceled and a new credit card account was opened solely in his
name. A new credit card was sent to
*** *** ***.As a result of *** *** ***’s experience, we will
be reviewing our procedures Should he
have any questions, our member may contact John P***, Assistant Manager,
Credit Card Servicing, at ###-###-#### between 8:a.mand 4:p.m.,
Eastern time, weekdays

This is in reference to complaint ID number ***, which was received by Navy Federal on June 2016, submitted by our member, *** ***. We have thoroughly researched the concerns presented in our member’s complaint. Through our review of this matter, we concluded that due
to a clerical error on June, Petty Officer ***’s checking account number ending in *** was erroneously debited for a returned deposit in the amount of $1,and assessed a $returned deposit fee. On June, we credited her *** checking in the amounts of $1,for the returned deposit and $for the return deposit fee. Tina S***, Assistant Supervisor, Savings and Checking Operations, contacted Petty Officer *** on June to apologize for the inconvenience and concern she may have been caused in this matter. MsS*** explained the cause of the error and the actions that were taken to correct it. On the same date, we credited Petty Officer ***’s *** checking in the amounts of $for the interest accrued on her Personal Expense loan account number ending in and $for the interest accrued on her *** Checking Line of Credit. If Petty Officer *** has any questions, she may contact MsS***, at ###-###-####, extension 70137, between the hours of 6:a.mto 2:p.m., Central time, Monday through Friday

This is in reference to complaint ID number ***, which was received by Navy Federal on January 2016, submitted by *** ***
We have researched *** ***’s concerns Due to the limited information provided in the complaint, we were unable to identify the cards
referenced However, 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 card The 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 identify We 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

[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: There was more than enough time and phone calls made to the credit union to stop excess over draft feesI spoke with at least representatives that were playing the I'm not at liberty to discuss the account with you because my name isn't on the account so at least half of those fees could have been avoided if not all so I'm bi satisfied with this response.
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

This is in reference to complaint ID number ***, which was received by Navy Federal on September 2016, submitted by our member, *** ** ***
We have thoroughly researched the concerns presented in our member’s complaintOn August, *** *** telephoned our Contact Center and
was properly informed on each of Navy Federal’s credit card productsOur member was then asked which credit card he would like to apply for*** *** chose to apply for Navy Federal’s cashRewards ***; he provided his authorization for a credit inquiry to determine creditworthiness
Through our review of this matter, we concluded that our representative correctly followed proceduresThe decline of *** ***’s credit card request was justified and accurate based on our underwriting criteria for these productsThe credit inquiry will remain on his credit bureau reportWe regret a more favorable decision could not be reached
If *** *** has any questions, he may contact Kirstie L***, Supervisor, Contact Center Resolution, at ###-###-####, extension ***, between the hours of 7:a.mto 3: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: What they are saying isn't true I've reviewed my recordings of the calls and have came to a different conclusion All of the calls, including the one from Pensacola, Florida They are simply lying I give up I hope they fail If they would have never sold my mortgage, which they promised me they never have or never would do, part of the problem would be solved I'm glad as a Nurse of many years, I never treated a patient the way they have treated me
Regards,
*** ***

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 October from the Revdex.com on behalf of Navy Federal member *** ***. The complaint was assigned an ID number of *** We have thoroughly researched *** ***’s concern. Vivian B***, Savings
and Checking Operations Specialist, attempted to contact *** *** three times on October but was only successful in leaving voicemails for him. Our records indicate that a stop payment was placed on any Automated Clearing House (ACH) debits payable to Planet Fitness on October 2016, and *** ***’s account was charged a $stop payment fee. The stop payment is valid for one year and is set to expire on October 2017. Despite placing a stop payment on the ACH debit to Planet Fitness, our member still needs to contact the debiting company directly to revoke any debit authorizations, and to request that any preauthorized debits be discontinued When ACH debits are presented for payment, Navy Federal is required to process them immediately. We are unable to hold them until sufficient funds are available to honor them. A returned item may be presented again by the payee’s financial institution until the item has been paid. Each time an item is presented for payment and returned for insufficient funds, *** ***’s checking account will be charged a fee of $the next business day As indicated in the attached Schedule of Fees and Charges brochure, non-sufficient funds fees for checks and ACH debits are $29.00. We have determined that the fees are not the result of a Navy Federal error and that the fees charged are valid. However, we have refunded a total of $in returned item fees. To avoid similar circumstances in the future, we suggest our member ensures that sufficient funds are on deposit before he authorizes any ACH debits Navy Federal has several overdraft protection programs. Should *** *** wish information concerning the programs or have any questions, he may contact MsB*** 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 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

[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,
*** ***

The following references the complaint we received on April from the Revdex.com on behalf of Navy Federal member *** ***The complaint was assigned an ID number of ***
We have reviewed Mr***’s concerns and have reached out to him to discuss this
matterOn April, the section manager of our *** ***’s Mortgage branch spoke with our member to explain the requirements for the re-inspection of the property and to let Mr*** know that Navy Federal would cover the cost of this re-inspectionWe regret the frustration our member experienced in this situation, and we counseled the loan officer involved to prevent a recurrence of these events
We appreciate Mr***’s allowing us the opportunity to address these issues

This is in reference to complaint ID number ***, which was received by Navy Federal on September 2016, submitted by our member, *** ** ***
We have thoroughly researched our member’s concerns*** *** applied for a 30-year U.SDepartment of Veterans Affairs (VA)
Interest Rate Reduction Refinancing Loan (IRRRL), and requested cash back at closingCurrent VA guidelines do not allow for cash back on an IRRRLThe loan was converted at our member's request to a 30-year fixed VA cash-out refinance*** *** opted to have all costs included in the principal amount financed and receive $20,at closing
The original mortgage was taken out in April for a loan amount of $405,with payments of $2,The new loan request was for $427,with an estimated payment of $2,However, the appraised value of the property came in below the amount of the requested refinance, which prevented our member from receiving cash back at closingAs a result, *** *** requested to cancel the application
When our member submitted his loan application, he was advised that the fees for the required credit report and appraisal were non-refundableOn August 2016, *** *** provided his written intent to proceed with the application and gave authorization for Navy Federal to collect the appraisal feeAdditionally, he was required to have a termite inspection completed prior to his loan closing; the inspection company was selected by him and he was responsible for the associated expense; this fee was not collected by Navy FederalThese fees will not be refunded

[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,
*** ***

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 our member’s concerns. Michelle
B***, Fraud Investigation Specialist, spoke with *** *** on October. Due to suspicious activity, a restriction was placed on our member’s account. While the restriction was in place, the member continued to have access to the deposited funds available in his account. The restriction has since been lifted and *** *** has full access to his account On October, the $6,check our member deposited on October was returned unpaid. The $6,was deducted from his account as was a returned deposit fee of $15.00. Should *** *** have any questions, he may contact Robert S***, Assistant Vice President, Security Operations Center, at ###-###-####, extension, ***, between 8:a.mand 4:p.m., Eastern time, weekdays

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 ***. We have reviewed the circumstances of *** ***’s complaintAs he stated, he contacted
us on December to request that a credit card transaction authorization be releasedAccording to our record of the call, our representative attempted to initiate a conference call with the merchant that issued the charge to obtain information necessary to process *** ***’s requestThe merchantwas closed, however*** *** insisted that a credit be applied to his account to offset the merchant’s authorization hold, although our representative advised him that she could not proceed with his request without the merchant’s confirmation*** *** remained firmly insistent that a credit be applied to his accountAfter determining that she could assist *** *** no further with his original request, and confirming that *** *** had no additional requests, our representative advised him that she would disconnect the callThe call was then disconnected. We have found that our representative acted appropriately and in line with our procedures

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Address: 19 Daniels St, Millis, Massachusetts, United States, 02054-1240

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