Timothy E. Lynch, Inc.

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 the concerns presented in Ms***’s complaintAccording to our records,
our member submitted a debit card fraud claim totaling $on March and we determined that no error had occurredA letter advising Ms*** of the outcome of our investigation was sent to her address of recordOur records do reflect that our member contacted us to discuss her claim following the decision, and our representatives have left several messages for Ms*** in response. Should Ms*** have additional questions, or if she would like to receive a copy of the information used during our investigation, she may call MsD***, Supervisor, Card Fraud Prevention, at ###-###-####MsD*** is available between the hours of 7:a.mand 4:p.m., weekdays. We note that Ms***’s name is reflected in our records as *** M***-CrossShould she wish to update the name we have on file, she may visit our website at navyfederal.org to print the necessary forms to complete and return to usShe may also call our Contact Center hours a day, seven days a week to request the forms, at 1-888-***-*** (6328)

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 ***As Mrs*** advised in her complaint, Navy Federal addressed
her concerns in our response to a
complaint she submitted to the *** *** *** *** on June As we advised her at that time,
Navy Federal has no record of her request to change the address for her
accounts in June due to deploymentOur records indicate that Mrs***’
*** *** cashRewards account was reported days late for the June
and December paymentsLate fees of $each were assessed on
December and on January These two late fees were waived on
March as a member courtesyThe Secured nRewards *** account was
previously reported days late for the December paymentNo late fees
were assessed to the Secured nRewards accountAs a courtesy, we have sent an update to the credit bureaus to
remove the June and December late payment reporting for the *** ***
cashRewards account and the December late payment reporting for the
Secured nRewards *** account from Mrs***’ credit reportOur member should
allow to days for the credit bureaus to process the updates*** ***
Assistant Manager, Collections, spoke to our member on October to advise
her of these actions takenFollquestions should be directed to *** ***,
Assistant Manager, Credit Card Lending, by calling *** between the
hours of 8:a.mand 4: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 *** Navy Federal has thoroughly reviewed our member’s concern. We require specific documentation
to comply with requirements in verifying identity and establishing membership eligibility. *** *** was made aware of these requirements, and submitted the necessary documentation on August 2016. *** ***’s application has been approved and on September his membership with Navy Federal was established Should *** *** have any questions, he may contact Robert S***, Assistant Vice President, Security Operations, at -1-888-842-NFCU (6328), between 8:a.mand 5:p.m., Eastern time, weekdaysTell us why here

This is in reference to complaint ID number ***, which was received by Navy Federal on December 2015, submitted by our member, *** ***
We have thoroughly researched our member’s concerns Peter K***, Unit Supervisor, Collateral Control, spoke to Petty Officer *** by telephone on
December Navy Federal received an electronic title for the vehicle on November which accurately shows Navy Federal as lien holder The Annual Percentage Rate for the loan remains at the original rate of 5.89%
If Petty Officer *** has any questions, he may contact Therisa A***, Section Supervisor, Collateral Control, 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 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

[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,
*** ***

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 concernThrough 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 payablePetty 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 NoteOur 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

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

This is in reference to complaint ID number ***, which was received by Navy Federal on January 2016, submitted by our member, *** ** ***
We have reviewed our member’s concerns regarding fees which have been assessed to his business checking account Navy Federal has waived a
total of $for overdrawn and non-sufficient funds fees on the account since June During several conversations with our Member Service Representatives, *** *** was advised that no additional fees will be waived unless they were assessed as a result of a Navy Federal error Our research has confirmed that no fees have been assessed to the account as a result of Navy Federal error *** *** may wish to contact the companies referenced in his complaint to request reimbursement

The following references the complaint we received on February from the Revdex.com on behalf of Navy Federal member *** ** ***. The complaint was assigned an ID number of 12004876. Navy Federal has thoroughly reviewed our member’s concerns. Our review
determined that Ms*** opted in to our Optional Overdraft Protection Service (OOPS) for her checking account on September 2015. Our OOPS feature allows overdrafts on checking accounts, up to a limit of $500.00, to be paid. Each time funds from OOPS are used, a $fee is assessed. Navy Federal will only charge a maximum of three fees in one day; if overdrafts exceed three in a day, the account remains open, but no additional fees will be charged. On each of the dates in question, Ms*** had multiple debit card transactions post to her account, in addition to ATM withdrawals, which resulted in multiple OOPS fees. Each fee charged to Ms***’ checking account was valid. We will not refund the valid fees that were charged. If Ms*** finds that OOPS is not suitable for her needs, she may opt out of the service at any time. We encourage her to maintain a register of all of her transactions. Should she have any questions, Ms*** may call *** ***, Savings and Checking Operations Specialist, at *** *** ***, between 7: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 *** Our representative was able to speak with *** *** on December regarding her
concerns. *** *** was advised that Navy Federal had received the merchant’s letter indicating the transactions at issue were made due to their error, and that we had refunded the associated returned items fees assessed against her account Should our member have additional questions, our Contact Center representatives are available to assist her hours a day, seven days a week, and can be reached by calling 1-888-842-NFCU (6328)

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 response to the follcomplaint we received on September from the Revdex.com on behalf of *** ** ***. The complaintwas originally assigned an ID number of ***. *** ***’s accounts have been closed. Her address on file is consistent with what is listed in her complaint.

This is in reference to complaint ID number ***, which was received by Navy Federal on January 2016, submitted by our member, *** ** ***. We have thoroughly researched the concerns presented in our member’s complaint regarding our credit bureau inquires associated with his
membership and consumer loan applications. Through our review of this matter, we concluded that our representatives correctly followed our credit bureau inquiry procedures. During our review of the applications *** *** submitted, and following our policies and procedures, we determined it was necessary to place restrictions on his account. After attempting to provide resolution to this matter, *** ***’s request to close his accounts was honored If *** *** has any questions, he may contact Robert S***, Assistant Vice President, Security, at ###-###-####, extension 48662, between the hours of 7:a.mand 3: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 ***
Navy Federal has thoroughly reviewed *** ***’ situation As requested, *** *** was removed as authorized
user from the *** account of *** *** *** We have contacted the four consumer reporting agencies on *** ***’ behalf to remove this tradeline; it may take days for the data concerning the credit card account to be removed from her credit report
Should she have any questions, *** *** may contact Joanna W***, Supervisor, Credit Card Servicing, at ***, extension ***, between 7:a.mand 3:p.m., Central time, weekdays

This is in reference to complaint ID number ***, which was received by Navy Federal on October 2015, submitted by our member, *** ** ***
We have thoroughly researched the concerns presented in our member’s complaintOn October 2015, Navy Federal received an eMessage from
*** *** requesting information on how to add his wife as co-applicantOur member was advised that it will be necessary for his wife to provide her authorization before this request can be processed; her authorization has not been received and the requested action has not been taken as of this date
We have no record of any recent credit card applications or an account established in *** ***’s name, nor was his information used to add his name as authorized user or co-applicant of another member’s credit card accountAdditionally, we have confirmed that no new credit card accounts appear on our member’s credit reportWe have no record of requesting a credit inquiry for *** *** at any time after our receipt of his eMessage

This is in reference to a complaint we received on May 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. Our records show that on
May an unauthorized Automated Clearing House (ACH) debit was deducted from Ms*** checking account. On May, Ms*** confirmed the transaction as an unauthorized ACH debit and Navy Federal closed the affected accounts and opened a new savings and checking account for our member. On May, we honored our member’s claim and credited her checking account. We also attempted to contact our member to inform her of our decision on the claim, but we were only able to leave a message. A letter explaining that we honored the claim was also sent to our member at her address of record on May We regret the inconvenience our member experienced. If Ms*** has any questions, she may contact *** *** *** *** *** Financial Crimes and Risk, at *** *** *** *** between the hours of 7:a.mand 3:p.m., Central 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 do not feel I should be held responsible for a bad checkThe banking institution should know these things I thought my money was INSURED by the FDICSeems to me the banks are working with these scammers.I feel violated in every way.I will be removing the little funds I have left from all Navy Federal accountsI know Navy Federal could care less,but at least my money will be safe out of Navy Federals hands.Good luck with your continued unarmed robbery for it will one day bite you in the AS
I am rejecting this response because:
Regards,
B*** ***

Tell The following references the complaint we received on February from the Revdex.com on behalf of Navy Federal member *** ** ***The complaint was assigned an ID number of ***
We have attempted to contact *** *** regarding this matter by calling the phone number
provided in his complaint, ###-###-####, as well as the phone number we have on file for our memberUnfortunately, we have been unable to reach him or leave a message using either numberHowever, we have researched the issue and have confirmed that the accounts mentioned in his complaint are no longer being reported to nor is there any record with the credit reporting agencies
We are happy to discuss this matter with *** ***, and ask that he contact MsK***, Recoveries Supervisor, at ###-###-####, extension ***She is available between the hours of 8:a.mand 4:p.m., Monday through Friday

This is in reference to the follcomplaint we
received on October from the Revdex.com on behalf of Navy
Federal member *** ** ***. The
complaint was originally assigned an ID number of ***.We have reviewed *** ***’s account and have confirmed
that no interest charges were assessed on her credit card account while her
dispute was in processAs stated in our previous response to *** ***’s
complaint, on October, our representative left a voice mail message for Ms
K*** on her home phone number of record advising her that a credit had been
applied to her account for the charge she was disputingWe regret that this
message was not receivedWe continued our efforts to contact *** *** and
left additional messages on her number of recordWe responded to her social
media posts, asking for alternate contact information, since our attempts to
speak with her had been unsuccessfulOn October, *** *** submitted a
message through Navy Federal’s secure eMessage channel regarding her concerns;
we issued a response to her message that dayWe ask that *** *** review this
response by logging in to her Navy Federal Online Account Access*** *** noted in her complaint and on Navy Federal’s
social media page that she made requests via her social media posts for the
name of the Navy Federal employee who responded to her postsWe explained in
our eMessage response to *** *** that it is Navy Federal’s current policy to
not disclose employee’s names or phone numbers on social media pages due to
privacy and security concernsHowever, we provided *** *** with the name and
direct phone number for a specialist in our eMessage response on October.Should she have additional questions, our Contact Center
representatives are available to assist her hours a day, seven days a week,
and may be reached by calling *** ***