Timothy E. Lynch, Inc.

This is in reference to a follcomplaint, ID number ***, submitted by Navy Federal member, *** ** ***Josh L***, Assistant Manager, Credit Card Servicing, spoke with *** *** on February to discuss his concernsUpon further review of the circumstances, the amount of $was refunded to our member’s savings account on February in accordance with his requestIf *** *** has any further questions, he may contact MrL*** at ###-###-####, extension ***, between the hours of 8:a.mand 4:p.m., Central time, weekdays

[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,
*** ***

This is in reference to the follcomplaint we received on January from the Revdex.com on behalf of Navy Federal member *** ** ***The complaint was originally assigned an ID number of *** We have reviewed the recording of the phone call in question again; we maintain that our representative acted in line with our policy of releasing credit card authorization holds only after confirming the merchant’s cancellation of the transactionWe also note that our representative provided a $credit to the account, to allow *** *** to make his desired transaction We strive to provide excellent service to our members, and only disconnect calls when we have exhausted all our optionsIn this instance, our representative attempted several times to explain our policy regarding authorization hold releasesWhen it became clear that *** *** was not receptive to this information, our representative disconnected the call after asking if there were other matters she might assist him with, and then advising *** *** that she would disconnect the call, as there was nothing further with which she could help him

The following references the complaint we received on March from the Revdex.com, submitted by Navy Federal member *** ** *** on behalf of *** *** *** The complaint was assigned an ID number of ***
We have thoroughly researched our member’s concerns
Our records show that *** *** filed a dispute for a recurring charge that posted to her Navy Federal Business *** credit card account Navy Federal investigated *** ***’ dispute claim and was unable to pursue a refund from the merchant because our member could not provide documentation regarding the cancelation of her subscription with the merchant As a member courtesy, we are not holding our member responsible for the amount of the transaction
The recurring charge posted again to the member’s credit card account in February On February, *** *** contacted Navy Federal by telephone and requested to close the credit card account In accordance with our member’s request, we closed the credit card account and mailed a letter to her advising that although the account was in a closed status, any previously authorized recurring charges would continue to post to the account The letter also advised our member that it is the cardholder’s responsibility to contact merchants with recurring authorizations to revoke those authorizations We have initiated a chargeback on our member’s behalf advising of our member’s request to cancel the recurring transactions
If *** *** has any questions, she may contact Thi T*, Business Operations Specialist, at ###-###-####, extension ***, between 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.] Navy Federal admitted to changing the purpose of the loanNo need to further communicate with Navy FederalI will notify my attorney.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 November 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. We have found that
Mr*** has accounts under two different access numbers and Social Security numbers at Navy Federal. On the account which was opened on July 2016, there is a history of returned checks. As a result of this discrepancy, and due to repeated returned items on our member’s account, we have placed security restrictions on his accounts. Our member can still access his funds at a Navy Federal branch or, if he prefers, we can send a check for any available funds to his address of record Should Mr*** have any questions, he may call Lana N***, Supervisor, Security Operations Center, at ###-###-####, extension 47545, between 8:a.mand 4:p.m., Eastern time, weekdays

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 concern. On October 2016,
Brandie C***, Supervisor, Membership Operations Support, called *** ***; however, she was unable to leave a voice message. Additional attempts to contact our member were made on October and October. The membership referral promotion deposit of $was credited to our member’s savings account on October. Direct deposits will post to the account in accordance with the instructions *** *** provides to her employer, and will be available when cleared through the Automated Clearing House (ACH) system. We apologize if *** *** felt unfairly treated during a phone conversation with Navy Federal. Navy Federal strives to provide exceptional service at all times and we regret that *** *** feels she was not afforded such service. Should our member have any questions, she may contact MsC*** at ###-###-####, extension ***, between the hours of 9:a.mand 3:p.m., Central time, weekdays

This is in reference to complaint ID number ***, which was received by Navy Federal on January 2017, submitted by our member, *** ** ***
We have thoroughly researched the concerns presented in our member’s complaintOn December Ms*** deposited a check via our Scan
& Mobile Deposits serviceProper procedure was followed in placing a hold on the release of fundsOn the same date, our representative advised Ms*** of the hold placed on the itemThe funds were made available on January
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 Ms***’ experienceWe will use this experience to educate our staff and help ensure other members do not have similar experiences
If Ms*** has any questions, she may contact *** ***, *** *** *** Security Operations Center, at *** *** *** between the hours of 8:a.mto 5:p.m., Eastern time, Monday through Friday

This is in reference to a follcomplaint, ID number ***, which was submitted by our member, *** * ***
Navy Federal has provided a detailed response to *** ***'s concernsAs previously indicated, Navy Federal properly followed all VA procedures while processing our member’s appealIn addition, Navy Federal obtained and provided a copy of the Boundary Survey to *** *** as he requestedWe have confirmed that the Boundary Survey was delivered to our member on February

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 *** Navy Federal has thoroughly reviewed our member’s concerns. *** ***
telephoned our office and asked that a hold be removed from his credit card account which had been put in place to ensure that an online charge would be paid. Our representative released the authorization hold for the posted transaction as our member requested, and also made a temporary increase in the credit limit in the amount of the transaction as a courtesy. It was necessary to disconnect the call when the connection became unintelligible

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 *** We have thoroughly researched our member’s concerns. *** *** called
Navy Federal on May and stated she wanted to place a stop payment on check number ***. Per our member’s request, the stop payment was placed on check ***. In the process of setting up a stop payment for a check, we also request the amount of the check and payee name as this information is useful in certain cases There was no error committed by Navy Federal in this instance. Therefore, Navy Federal will not refund our member the $1,350.00. If *** *** chooses, she may seek a refund from the contractor. Should *** *** have any questions, she may call MsKarri C***, Resolution Specialist, Contact Center, at ###-###-####, extension ***, between the hours of 2:a.mto 10:00 a.m., Eastern time, Monday through SaturdayTell us why here

[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 is in response to the complaint we received on September from the BetterBusiness Bureau on behalf of *** *** ***The complaint was assigned an ID number of*We have thoroughly researched our member’s concern regarding the loan ending in *** which wasenrolled in
our optional Guaranteed Asset Protection (GAP)Mr***s used vehicle loan ending in*** originated on December and was enrolled in the optional GAP program as he requested onDecember His GAP claim was submitted on September 2015; the claim was subsequentlyapproved on September Our member did not make the September payment so it was subtractedfrom the payoffOur member is requesting that Navy Federal pay this amount since it was after his Dateof Loss.The GAP Claims Administration applied the GAP coverage amount as follows to the loan ending in***:? Balance at the time of loss (maximum covered $46,324.50) $50,502.25? *** insurance payment -$31,913.20? Balance after *** insurance payment $18,589.05? GAP adjustment at 150% LTV -$14,411.30? Balance after the GAP adjustment $ 4,177.75? Courtesy adjustment for September -$ 1,276.58? Remaining balance on account $ 2,901.17When members enroll in our optional GAP program, they receive an Agreement and Disclosure whichstates the following: “During the time it takes to process your claim, you remain responsible for makingat least the minimum payment due on the Loan by the regular payment due dateYou are responsible forany difference between the minimum payment due on the Loan and the amount canceledIf you have avalid claim, we will refund the portion of your payment(s) that should have been canceled or postponedaccording to the terms of this agreement.”As a courtesy, we have waived the September payment due in the amount of $1,Thisleaves our member with a remaining balance of $2,on the account.Follquestions should be directed to B*** *** Loan Protection Claims Processor, 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] I am rejection this answer from NFCU as my bank records shows otherwise, I stand by my dates stated in my complaint I am not surprised however by NFCU response, I expected as much from themAs always a large financial institution doing whatever they want to the regular, average person who does not have deep pockets to fight backPlease send my response to NFCU & then close this caseThank you.
Complaint: ***
I am rejecting this response because:
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
***.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

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 ***.Navy Federal has thoroughly investigated our member’s
claim. We have
determined that there was
no Navy Federal error concerning the return of the check for $1,500.00. Our member remains responsible for the
overdraft which resulted from the return of the item. We suggest that he pursue legal action
against the drawer of the check.We have reimbursed the funds
deducted from the minor children’s accounts, on which *** *** is a joint
owner, that were removed to help defray a portion of the overdraft.Should he have any questions, *** *** may contact
Charles G***, Supervisor, Financial Crimes and Risk, at ###-###-####
between 7:a.mand 3:p.m., Central time, weekdays

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 Mrs***’ concern regarding her accounts at Navy
Federal. Our records indicate that our member was contacted by Terrence J***, Assistant Manager, Manassas Parkridge Branch, and our member’s children’s accounts were each credited with interest in the amount of $22.53. Our member was also contacted by John C***, Supervisor, Certificates, IRA and Trust Accounts, on November, and confirmed that Navy Federal would honor the rates on her children’s certificates, which were reverted that day to the 2.96% Annual Percentage Rate (Annual Percentage Yield of 3%). Navy Federal strives to provide all our members with exceptional member service. We apologize for the miscommunication and have shared this matter with the Manassas Parkridge team in a concerted effort to enhance the level of member service we provide Should Mrs*** have any questions, she should contact MrJ*** at 1-***-***) and ask to be transferred to the Manassas Parkridge BranchTell us why here

The following is in response to the complaint we received on September from the Revdex.com on behalf of *** ** ***. The complaint was assigned an IDnumber of ***. We have investigated our member’s concerns and determined that adjustments to the
information we provided to the credit bureaus were warranted. Therefore, we have requested that ***, ***, *** and *** delete loan number *** from our member’s credit bureau report. The credit bureaus may take up to days to make corrections to their recordsFollquestions should be directed to Kathryn B***, Supervisor, Consumer Loan Servicing, by calling ###-###-#### between the hours of 8:00 a.mand 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 ***
We have thoroughly researched our member’s concernsOur records show that *** *** has a
Navy Federal *** credit card account which was established on February *** ***’ credit card payment was due on February and was not satisfied until March A payment extension was granted on January 2018; however, the payment due on December was already more than days past due when the extension was approved
We have reviewed the telephone call recordings of October 2016, January 2018,
January and January During *** ***’ conversations with our representatives, he was advised that there were no errors made regarding the reporting of his credit card account
We have reviewed *** ***’s Navy Federal tradelines with the four nationwide credit reporting agencies and have verified that his account is reflecting accurately
If *** *** has any questions, he may contact Jared W***, Supervisor, Collections, at ###-###-####, extension ***, between 7:a.mand 3:p.m., Central time, Monday through Friday

The following references the complaint we received on March 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. Patrick W**, Supervisor,
Collections, contacted *** *** on March to advise that a thorough review of his credit card account was conducted. *** *** contacted our office on November 2017, December 2017, and January to request payments to his Platinum *** credit card account from a *** *** checking account. We reviewed our telephone calls and verified that our Member Service Representative confirmed the requested account number with our member. However, the payments were returned reflecting an invalid checking account number from *** ***, and an email notification was sent to our member’s email address of record informing him of the rejected transfer. It is the responsibility of the cardholder to contact us immediately to provide the correct information to prevent further returned payments. We have reviewed our member’s Navy Federal tradelines with the four nationwide credit reporting agencies and verified his accounts are reporting correctly. Navy Federal reports accurate data to the credit reporting agencies and will not request removal of valid information If *** *** has any questions, he may contact Thi T*, Business Operation Specialist, at ***, extension ***, between the hours of 8:a.mand 4:p.m., Eastern time, weekdays