Timothy E. Lynch, Inc.

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 reviewed *** ***’s concerns related to his Navy Federal credit card
account
We
have submitted a request to delete the duplicate tradeline and have confirmed
that the duplicate has now been deleted.Should he have additional questions, *** *** may contact
Carrie M*** in our Consumer Loan Servicing area by calling ###-###-####
MsM*** may be reached 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 May 2016, submitted by our member, *** ** *** We have thoroughly researched the concerns presented in our member’s complaint regarding her fraud claim for Navy Federal Platinum *** credit
card number ending in *** After a thorough investigation, we concluded that no unauthorized use of *** ***’ credit card occurred. Therefore, we denied her fraud claim. On May, a Credit Card Claim Denial letter was sent to her address on record. *** *** returned our May voice message on May and was informed of the reasons why we were unable to honor her claim. With no new information to counter our findings, our determination remains the same If *** *** has any questions, she may contact Justin L***, Card Fraud Prevention Recovery Specialist, at ###-###-####, extension ***, between the hours of 7:a.mto 3:p.m., Central time, Monday through Friday

Thanks for everythingNavy Federal said that they would contact me in writing soonI will communicate directly them going forward

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 our member’s concernsAhmund Y***, Supervisor,
Collections, attempted to reach *** *** on January 2016; however, he was only successful in leaving a messageWhen a loan becomes past due, in accordance with the loan’s account terms, Navy Federal can transfer available funds in the member’s savings and/or checking accounts to the delinquent obligationWe have temporarily suspended the delinquent account transfers to allow us to work with *** *** to come to an equitable solution to her financial difficultiesIn addition, we have refunded a total of $in correctly assessed returned item fees to her checking account and have reversed a delinquent account transfer of $to her savings accountThe $fees that *** *** mentioned were late payment fees assessed when a loan is overdue by ten daysThe fee is assessed on the tenth day the loan is past due; the notation on the member’s statement of “INCR BAL ADJ” appears when the fee has been rolled into the loan balanceThese fees are not related to delinquent account transfersWe encourage *** *** to call our Personal Finance Management Branch at ###-###-#### between 8:a.mand 11:p.m., Eastern time, weekdays or between 9:a.mand 5:p.m., Saturday and Sunday

I am not having difficulty making the paymentsThis is not my argumentI am concerned about the inability to pay down this account because of this daily interest amounts when I have not used this card in a monthsIt seems almost impossible to bring the balance down, whether I pay the amount due or any additional amounts in an attempt to pay this account offWhat is the solution to paying this account off as it stands without paying the entire balance at once? I have other credit cards and I see my balance owed decrease every time I make a paymentHowever, with this account with Navy Federal the payoff seems inevitableSomething must be done!!!!! I am a loyal customer with Navy FederalMy mortgage and home loan is with this financial institutionHow do you account for the fact that I have not used this card in months, yet the balance is barely decreasing even though the payments are always paid on or before the due date? On some occasions I have paid more than the amount due on the account

The following references the complaint we received on November from the Revdex.com on behalf of Navy Federal member *** ***The complaint was assigned an ID number of ***
We have thoroughly researched Ms***’ concern regarding her account at Navy
FederalOn November, we placed a provisional credit in her checking account for the amount of her claim, $A provisional credit allows Ms*** access to the funds while her claim is being researchedWe will notify Ms*** of our findings upon completion of our investigation
We have issued Ms*** a ***, which will allow her to access her funds via an ATM
Should Ms*** have any questions, she may contact Amanda D***, Supervisor, Card Fraud Prevention Recovery, at ###-###-####, extension 43711, between the hours of 7: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:
** *** requested a supervisor and ** *** was deniedAs mentioned, Navy Federal employees are on power tripsYou also failed to mention this credit occurred during the second phone call.
Regards,
*** ***

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 the concerns presented in our
member’s complaint regarding the title for his used vehicle loan. Through our review
of this matter, we concluded that our
representatives correctly followed our lien recording procedures. However, in an effort to resolve this issue,
we have forwarded the necessary paperwork to the Virginia Department of Motor
Vehicles to have Navy Federal listed as lien holder of the vehicle The original loan terms have been reinstated,
and all fees and interest which were assessed to the loan account have been removed. We regret any inconvenience this matter has
caused our member.If *** *** has any questions, he may contact Carrie
M***, Legal Liaison, at ###-###-####, extension 44926, 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 thoroughly reviewed our member’s concernsOur records indicate that ***
*** was issued a used vehicle loan on February When the loan became past due in 2012, we advanced the payment due date so that her allotment would maintain the account in a current statusHowever, at that time, two overdrawn checking account balances in our member’sname had been charged to our reserves; therefore, in accordance with our procedure to reduce the amounts of the losses suffered by our membership, a portion of the allotment funds was credited against the overdraftsIn addition, funds in our member’s savings account were withdrawn which prevented those funds being transferred to the loan.On May 2014, *** *** advised us that the collateral which secured the loan had been declared a total loss after being involved in an accidentAlthough insurance proceeds of $8,were credited to the loan on May, the funds did not pay the loan offSince no funds were received after that date, the remaining loan balance was charged to our reserves on January Weverified that we reported accurate information to the credit bureaus; therefore, we will not request a change to *** ***’s credit reportShould she have any questions, *** *** may call Wade P***, Assistant Manager, Recoveries,at ###-###-####, extension ***, between 8:a.mand 4:p.m., weekdays

The following references the complaint we received on May 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 *** *** exceeded the limit of
transfers that can be displayed online Therefore, he may not be able to view all of his scheduled transfers until the prior transfers have been purged from the system
Jackie M***, Supervisor, Savings and Checking Operations, contacted *** *** by telephone on June Our member was advised of the limitation in the number of viewable scheduled transfers online In accordance with his request, his checking account ending in number *** was closed and any transfers related to the account have been deleted
We regret the inconvenience caused by this situation Should *** *** have any questions, he may call Felicia W***, Business Systems Analyst, at ###-###-####, extension ***, between 9:a.mand 5:p.m., Eastern time, weekdays

This is in reference to complaint ID number ***, which was received by Navy Federal on July 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 the decline of
*** ***’s business credit card request was justified and accurate based on our underwriting criteria for these productsThere were no irregular or discriminatory actions on the part of our representativeNavy Federal does not discriminate in any manner, and did not discriminate against *** *** on any occasion
On July 2016, Andrew F*, Supervisor, Business Services, spoke with *** *** and explained the credit process to her and why she was declinedShe was advised that business credit lending standards are different from consumer lending standards and policy requires that all Navy Federal accounts be in good standing at the time of application, and hers were not*** *** was also advised that we can still process her application request for a $100,Business Line of Credit; however, the same business credit lending standards and policies would applyShe decided to continue with the application
If *** *** has any questions, she may contact MrF* 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 February 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. Our records
show our member’s refinance request was submitted on September and was approved on November 2017. We sent an update to the four major credit reporting agencies on November to remove the late history for September 2017. An additional update was sent to the credit reporting agencies on February to remove any subsequent late history that was reported from September through November 2017, at which time the loan was paid in full. Please note, it may take up to days for the updates to reflect in Mr***’s credit file Should Mr*** have additional questions, he may contact *** ***, *** *** *** *** ***, at ***, extension ***, between the hours of 8:a.mand 4:p.m., Eastern time, weekdays

This is in reference to a follcomplaint, ID number
***, submitted by Navy Federal member, *** ** ***
We have thoroughly researched the concerns presented in our member’s complaint regarding the tradeline reporting of her Navy Federal credit card account On August 2016, Leslie S***, Assistant Manager, Consumer Servicing, contacted *** *** regarding her concerns *** *** informed her that she spoke with *** concerning the representation of her account information, and that we have requested that the four major credit reporting agencies remove and replace the monthly markers in the payment history grid with the symbol for "no information reporting" for each month following the month her account was charged off
If *** *** has any questions, she may contact MsS*** at ###-###-####, extension ***, between the hours 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 April 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 April,
Therisa A***, Supervisor, Collateral Control, spoke with Ms***As a courtesy, we have refunded the $Department of Motor Vehicles fee. We will investigate why the letter Ms*** received reflected her checking account number rather than her savings account number. Should she have any questions, Ms*** may call MsA*** at ###-###-#### between 8:a.mand 4:p.m., Eastern time, weekdays

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

[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]
Good Morning, Rrally, Navy Federal replied using Nov as their justifiable reason when the complaint is about them hitting my credit score times, and one of them in JANUARY was not authorized sincelet me bold this because they seem to be incapable of reading I DID NOT SUBMIT THE APPLICATION FOR JANUARY The reason why Navy Federal responded this way is because they were wrong, you did not have to do a hard inquiry when I applied for an account but you did, you didn't have to do a hard inquiry in January either BUT YOU DIDMy mortgage was declined and the documents showed excessive financial inquiry which is YOU!
Complaint: ***
I am rejecting this response because:
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 concernsThe manager of our Equity Lending area attempted to contact
Mr*** to discuss this matter, but she was only able to leave a message with her contact information.In August 2015, Mr***’s Home Equity Line of Credit (HELOC) was suspended due to a material change in his financial circumstancesHe was advised of this suspension in our letter dated August 2015.On April 2016, we received Mr***’s request to reinstate his line of creditWe advised him via secure message on that date that we were unable to grant his request, due to his past payment history with Navy FederalWe will be pleased to review any future requests with information demonstrating a change in his financial situation.As noted in our August correspondence, the HELOC remains suspended and no further withdrawals will be allowedRegarding how his accounts are displayed, we will review Mr***’s feedback on this issue, and consider it in future application enhancements.If Mr*** has any questions, he may contact our Equity Lending manager using the contact information she provided.Tell us why here

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 ***
Navy Federal has thoroughly reviewed our member’s concernsThe minimum payment required
for our credit card accounts is 2% of the existing balance on the day the monthly statement is prepared or $20.00, whichever is greaterWe have found that a payment of $was due on *** ***s credit card account on December 2015; however, only $was received on December On January 2016, February, March, April and May, payments of $each were credited to *** ***’s account; however, on each occasion, the payment was insufficient to complete the past due amount and the current month’s paymentLate fees of $each were added to the account on five occasions as a result of the past due payments
On June, we received a payment in the amount of $which was credited to the account; the funds satisfied only the past due amount, leaving $unpaidThe $was consequently reflected as the past due amount on the July statementA payment in that amount was received on July; again, the funds satisfied the past due amount only and the current payment of $became past dueA payment of $was received on August, which paid the past due amount and reduced the current payment by $The August statement therefore reflected a minimum payment due of $199.99, of which $was past dueA payment of $was received on September; the amount of $remains past due
*** ***’s *** credit card account remains open and her access has not been blockedTo bring the account up to date, *** *** must satisfy the payment due of $by OctoberWe recommend *** *** review her account and statements every month to ensure her payment satisfies the minimum payment due
We have reviewed *** ***’s credit report and verified that all data reported concerning the account is accurate
Should *** *** have any questions, she may call John P***, Assistant Manager, Credit Card Servicing, at ###-###-####, extension ***, between 8:a.mand 4:p.m., Eastern time, weekdays

The following references the complaint we received on May from the Revdex.com on behalf of Navy Federal member *** ***. The complaint was assigned the ID number ***. Navy Federal has thoroughly reviewed our member’s concerns. On May 2016, Therisa
A***, Supervisor, Title Department, attempted to contact *** ***, but was unable to reach him, and left a voicemail. MsA*** then contacted *** *** via E-mail on May advising him as to how he should proceed with transferring the Maryland Certificate of Title to his *** to Navy Federal. *** *** has submitted the Security Interest Filing portion to Navy Federal, which shows there was a previous lien holder on the title. *** *** should send the title to Navy Federal and we will submit the Security Interest Filing Form (VR-217), the title and Security Interest Filing to the Motor Vehicle Administration on his behalf to complete the lien filing process. This will complete all the necessary documents we require to record our lien. Should *** *** have any further questions, he should contact MsA*** at ***, extension ***, between 8:a.mand 4:p.m., Eastern time, weekdays