NBT Bank

We have received your letter dated March 26, 2018, regarding your case assigned as ID # [redacted] The Office of the Comptroller of the Currency (OCC) is the primary regulator for? NBT Bank, N.A., and as a nationally chartered financial institution, we are not able to respond directly to the Revdex.comWe will follow our customary process for responding to customer complaint situations within thesupervisory expectations of the OCC, and will contact the customer directly to resolve their concerns.? Please feel free to contact me at [redacted] ? if you have any further questions regarding this requestThank you.? ? Sincerely,? ? Karen M D [redacted] ? Assistant Vice President? Branch Operational Support?

:We received correspondence from your office on March 5, regarding theaforementioned case.The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBTBank, N.A., and as a nationally chartered financial institution, we are not able to responddirectly to the Better Business BureauWe will follow our customary process forresponding to customer complaint situations within the supervisory expectations of theOCC, and will contact the customer directly to resolve their concerns.I can be contacted at ###-###-#### if you have any further questions regarding thisrequestThank you.Sincerely,Andrea CP***Administrative AssistantConsumer Lending Division

We received correspondence from your office on September 14, regarding your case assigned as ID # [redacted] The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBT Bank, N.A., and as a nationally chartered financial institution, we are not able to respond directly to the Revdex.comWe will follow our customary process for responding to customer complaint situations within the supervisory expectations of the OCC, and will contact the customer directly to resolve their concernsI can be contacted at [redacted] if you have any further questions regarding this requestThank you Sincerely, Andrea C [redacted] Administrative AssistantConsumer Lending Division

We have received your letter dated February, 23, 2016, regarding your case assigned as ID # [redacted] The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBT Bank, N.A., and as a nationally chartered financial institution, we are not· able to respond directly to the Revdex.comWe will follow our customary process for responding to customer complaint situations within the supervisory expectations of the OCC, and will contact the customer directly to resolve their concernsPlease feel free to contact me at [redacted] if you have any further questions regarding this request Thank you Sincerely, Janice K*** Bank Officer & AsstBranch Administration Sales and Administration

We received correspondence from your office on August 28, regarding your case assigned as ID # [redacted] The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBT Bank, N.A., and as a nationally chartered financial institution, we are not able to respond directly to the Revdex.comWe will follow our customary process for responding to customer complaint situations within the supervisory expectations of the OCC, and will contact the customer directly to resolve their concernsI can be contacted at ###-###-#### if you have any further questions regarding this requestThank youSincerely, Andrea PAdministrative Assistant Consumer Lending Division

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below.On 3-14-16, I submitted OMB Control # [redacted] with the Office of the Comptroller of the CurrencyI have not heard anything from NBT Bank or the Office of the Comptroller of the CurrencyRegards, [redacted]

We have received your letter dated February, 23, 2016, regarding your case assigned as ID # [redacted] .? The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBT Bank, N.A., and as a nationally chartered? financial institution, we are not· able to respond directly to the Revdex.comWe will follow our customary process for responding to customer complaint situations within the supervisory expectations of the OCC, and will contact the customer directly to resolve their concernsPlease feel free to contact me at [redacted] ? ? if you have any further questions regarding this request Thank you.? ? Sincerely,? Janice K***? Bank Officer & AsstBranch Administration? Sales and Administration

We have received your letter dated April 24, 2018, regarding your case assignedas ID # [redacted] .The Office of the Comptroller of the Currency (OCC) is the primary regulator forNBT Bank, N.A., and as a nationally chartered financial institution, we are notable to respond directly to the Better Business BureauWe will follow ourcustomary process for responding to customer complaint situations within thesupervisory expectations of the OCC, and will contact the customer directly toresolve their concerns.Please feel free to contact me at ###-###-#### if you have any further questionsregarding this requestThank you.Sincerely,Karen D [redacted] Assistant Vice PresidentNBT Bancorp Inc., South Broad Street, P.OBox 351, Norwich, New York •

We have received your letter dated November 13, 2017, regarding your case assigned as ID # [redacted] .? ? The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBT Bank, N.A., and as a nationally chartered financial institution, we are not able to respond directly to the Revdex.comWe will follow our customary process for responding to customer complaint situations within thesupervisory expectations of the OCC, and will contact the customer directly to resolve their concernsPlease feel free to contact me at [redacted] if you have any further questions regarding this requestThank youSincerely, Karen [redacted] ? Assistant Vice President? Branch Operational Support?

RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below They made no offer to remove the issue They did not contact me about this issue.Simply put, the agreement does not state they can charge me additional fees and nowhere on the loan payments website did it mention the fees Regards, [redacted]

We have received your letter dated August 24, 2016, regarding your case assigned as ID #11672755.The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBT Bank,N.A., and as a nationally chartered financial institution, we are not able to respond directly to theRevDex.comWe will follow our customary process for responding to customercomplaint situations within the supervisory expectations of the OCC, and will contact thecustomer directly to resolve their concerns.Please feel free to contact me at ###-###-#### if you have any further questions regarding thisrequestThank you.Sincerely, Heather M***NBT Bank Call Center Manager

We received correspondence from your office on March 21, (dated March 16, 2016), regarding your case assigned as ID # [redacted] .? The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBTBank, N.A., and as a nationally chartered financial institution, we are not able to respond directly to the Revdex.comWe will follow our customary process for responding to customer complaint situations within the supervisory expectations of the OCC, and will contact the customer directly to resolve their concernsI can be contacted at 607-337-if you have any further questions regarding this requestThank youSincerely,Andrea C***Administrative Assistant Consumer Lending Division

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below On 3-26-16, we received a notice in the mail from NBT stating our Principal balance is $236.14, with an additional interest charge of $14.07, for a total of $250.21.After we paid the total amount due of $3,on 2-24-16, NBT still said we owed $for interest on that amount that we paid off a month earlier.Now, they are saying we have another principal amount of $236.14, with additional interest of $14.07.Where did NBT come up with this amount?How did the charges they say I owe change from $to $250.21, a price increase of $189.93? First they try to charge me interest on an amount that I already paid offNow they are trying to charge me for another principal payment with additional interest.I do not owe the $for interest on an amount that I already paid off.And, I certainly do not owe another principal balance with additional interestAnd, I certainly do not owe another principal balance with additional interest.? Regards,? [redacted]

:We received correspondence from your office on March 5, regarding theaforementioned case.The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBTBank, N.A., and as a nationally chartered financial institution, we are not able to responddirectly to the RevDex.comWe will follow our customary process forresponding to customer complaint situations within the supervisory expectations of theOCC, and will contact the customer directly to resolve their concerns.I can be contacted at ###-###-#### if you have any further questions regarding thisrequestThank you.Sincerely,Andrea CP***Administrative AssistantConsumer Lending Division

We have received your letter dated June 10, 2015, regarding your case assigned as ID [redacted] .The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBT Bank, N.A., and as a nationally chartered financial institution, we are not able to respond directly to the RevDex.comWe will follow our customary process for responding to customer complaint situations within the supervisory expectations of the OCC, and will contact the customer directly to resolve their concerns.Please feel free to contact me at ###-###-#### if you have any further questions regarding this request Thank you.Sincerely,Janice KA***Bank Officer and AsstBranch AdministratorSales and Administration

April11, 2016Revdex.com, IncBryant Woods SouthAmherst, NY 14228Attention: ***Re: 10# [redacted] Dear ***:We have received your letter dated April6, 2016, regarding your case assigned as ID# [redacted] .The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBT Bank, NA, and as a nationally chartered financial institution, we are not able to respond directly to the Revdex.comWe will follow our customary process for responding to customer complaint situations within the supervisory expectations of the OCC, and will contact the customer directly to re$olve their concerns.Please feel free to contact me at [redacted] if you have any further questions regarding this requestThank you.Sincerely, Ginny C***Assistant Vice President

I spoke with [redacted] and he stated he only rejected the response because he never received a response at that pointAfter he rejected it he finally got an answer from the comptroller and his complaint is now resolved

I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me They have reached out to me privately to resolve the matter Regards, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.? Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below THE BUSINESS HAS NOT MADE AN ATTEMPT TO CONTACT ME AT ALL - CUSTOMER SERVICE DOES NOT KNOW ANYTHING ABOUT MY COMPLAINT Regards, [redacted] ***