PROCORPSA

Can you find out if there are any other names on the customer’s account?  I’m unable to locate the customer by name in our system.

[redacted] [redacted] [redacted] Date: September 30, 2016 Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your mortgage loan account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. I understand per your complaint that you mailed a payment for your mortgage loan on May 10, 2016, that was not received by the Bank timely. I reviewed your account and confirmed that we did not receive a mortgage payment in May 2016. The payment due for May 1, 2106, was processed on April 18, 2016. Therefore, your account was then due for June 1, 2016. When we did not receive the payment for June 2016, our Collection Department began calling you on June 17, 2016, using the phone number on file to notify you of the delinquency. We also sent a late payment notice to you on June 16,2016. However, we were unable to speak to you until you called the Bank on July 6, 2016. We did not receive payment for the June 2016 due date until July 1, 2016. It was processed on July 5, 2016, but was backdated to July 1, 2016. The funds covered the payment due for June 2016. Because the funds were received more than thirty (30) days after the due date, the delinquency was reported to the credit reporting agencies. You called into the Bank on July 6, 2016, and advised you mailed in another payment for the account. You asked if we would waive a late payment fee, but the agent you spoke to advised there was no late fee assessed. The agent also discussed setting your account up online so that you could make payments online to avoid a lost payment in the future. Based on our review of the phone call, you asked if there was going to be a fee from your credit union for paying the loan online through our website. There is no fee from Fifth Third Bank to make your mortgage payment online at 53.com. We did not identify any discussion of your credit report or removing your late payment. We also do not have any other record of a Bank employee advising you that the late payment for June 2016 would be removed. We received your next payment on July 8, 2016, which covered the July 1, 2016, due date. Listed below are the payments we received for the account since that time: ** $1,263.74 on July 29, 2016: Covered the payment due on August 1, 2016 ** $1.263.74 on August 19, 2016: Covered the payment due on September 1, 2016 ** $1,263.74 on August 26, 2016: Principal only payment ** $1,263.74 on September 16, 2016: Covered the payment due on October 2016 Please note that it does not appear we received the check you sent in May 2016. Enclosed for your review are copies of all the payment checks we received for the mortgage from April 2016 through September 2016. The April 2016 check number was 620. The next check we received in July 2016 was check number 622. Each payment received after that had the next check number in the sequence, and none had the date written on top for May 2016. We have not received check number 621. You may wish to contact your financial institution to report the check as lost. If we receive the check in the future, we will attempt to process it. If there is a stop payment on the check, we will reverse it off your mortgage loan account and a returned payment fee may be assessed. If this happens, please contact me directly using my phone number listed below and I will waive the fee from your mortgage. On July 6, 2016, you were advised that no late fees were charged to your account. Unfortunately, this information was not correct. A $33.90 late payment fee was paid out of your July 1, 2016, mortgage payment. Please be assured that I waived the fee on September 14, 2016. We applied the $33.90 as a principal only payment. We verified that the late payment listed on your credit report is accurate. Fifth Third Bank complies with the Fair Credit Reporting Act (FCRA) to report accurate account information. Because there was not a Bank error that caused the June 2016 payment to be processed late, we are unwilling to remove the delinquency from your credit report. I apologize for the distress this may cause you. As of September 27, 2016, your mortgage loan is current and the next monthly payment is due on November 1, 2016. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosures: Late Payment Notice, Check Images (7)

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.   
THEY HAVE NOT DONE ANYTHING EXCEPT SEND LETTERS THEY HAVE ALREADY SENT AND TELL ME I OWE THEM THE MONEY THEY FORGOT TO PUT INTO ESCROW. I DID CALL JENNIFER ABOUT A WEEK AFTER THE FIRST CONTACT AND SAID THEY NEEDED TIME TO LOOK INTO IT, THEN RECEIVED THE LETTER YOU HAVE POSTED AS 12/6 WHICH SAYS THEY NEED TIME TO LOOK INTO IT...AND I OWE MONEY! I GUESS WHEN YOUR A BIG BANK THE ONE AVERAGE PERSON MEANS NOTHING. HOPEFULLY YOU MAY HAVE BETTER LUCK I CAN'T BELIEVE THAT THEY THINK THAT LETTER IS SUFFICIENT I HAVE NOT EVEN BEEN TOLD WHERE MY UNACCOUNTED FUNDS WENT!
Regards,
[redacted]

[redacted] Date: July 25, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your mortgage loan. We appreciate...

the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We ceased sending monthly billing statements for your mortgage loan ending in [redacted] because it was discharged in Chapter 7 bankruptcy. However, if you would like to receive monthly mortgage loan statements, you may send a written request via fax at ###-###-####, or via email at [email protected]. The written request must include the following information: your account number or bankruptcy case number, a signed and dated declaration that you are requesting monthly billing statements, your printed name, and your signature. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] 
[redacted] 
[redacted] Date: September 21, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding...

your checking account ending in [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. We are very sorry if our attempts to explain the Overdraft Coverage policy during your telephone calls with our Consumer Contact Center did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter may have caused you. We strive to offer our customers products that are convenient and beneficial while remaining competitive within the industry. Some checking accounts have Overdraft Coverage, which can allow a customer to complete a transaction even if there are insufficient available funds in the account to cover the full amount of the transaction. This is not the same as having overdraft protection. When an account has be setup with overdraft protection, the available funds will automatically transfer from the connected account to attempt to bring the overdrawn account to a zero balance. Our records show that you have a Basic Checking account, and this product does not offer overdraft coverage. Any debit card purchases and (ATM) withdrawals are declined when there is not enough money in your account at the time of the transaction. Similarly, if there are insufficient funds in your account when payments are processed, your checks and other payments will be returned unpaid. However, ACH (Automated Clearing House) payments or check items are still subject to overdraft fees. On August 31, 2015, the balance in your checking account was $20.76. One (1) web initiated payment for Paypal totaling $28.75 posted to the account that day, creating an ending balance of negative ($7.99). Although you had overdraft protection at this time, there were insufficient available funds in your savings account ending in 6369 to cover the item presented for payment. Due to non sufficient funds the item was returned unpaid and one (1) overdraft fee totaling $37.00 was assessed. The ending balance was negative ($16.24). An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fee assessed. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. In the interest of customer service, we waived the overdraft fee of $37.00 on September 21, 2015. To prevent an overdraft situation, you have the ability to review your account at an ATM (Automated Teller Machine), on our website at www.53.com, or by calling our Customer Service Department at ###-###-####. If the account becomes overdrawn, we also send you an overdraft notice that includes a detailed breakdown of the day’s transactions. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions. This guide provides additional information related to the overdraft fees that we assessed to your account. We also offer ways to track your balance and manage accounts to help avoid overdraft fees on your accounts in the future. We sincerely hope this information will help you understand the Bank’s position going forward and resolve your needs. If I could be of further assistance to you, please call me at [redacted] or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President Pc: Revdex.com Enclosures: Overdraft Notice and Overdraft Solutions

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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

[redacted] Date: October 8, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your email and complaint submitted to the Revdex.com, regarding...

your mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this situation may have caused you. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. Per your request, we have reviewed your mortgage loan to determine the new monthly payment amount and amortization schedule if a principal only payment of $100,000.00 is posted to your account. The new monthly principal and interest payment would be approximately $2,029.72 at a fixed rate of 4.125%, with a maturity date of November 1, 2041. Am amortization schedule and letter are enclosed for your review. In order to re-amortize or recast your mortgage loan after a large principal balance payment, there is a processing fee of $100.00. Please submit a written request that includes the following information: ? Your full mortgage loan account number ? The dollar amount of the of the large principal amount paid to your mortgage loan ? The date the large principal payment was made ? A brief request to have your mortgage loan re-amortized ? Enclose check payment for $100.00 processing fee or advise if fee is to be charged to mortgage loan ? Your signature Please mail your signed written request to the following address: 5050 Kingsley Dr. 1MOC2N Cincinnati, OH 45273 Alternatively, the required documentation can be faxed to ###-###-####. Please be assured that it was not our intention to cause you any hardship or frustration. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S. Office of the President Enclosure(s): Amortization schedule, Letter Pc: Revdex.com

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.  I submitted a complaint against fifth third bank probably a couple of months ago. I heard back from them once and they said they were sending out a payment book and I told them they had the wrong address that we had never lived at the address they had sent it to but I never have seen a reply or received anything from them at allThanks[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 my response appear below next to company's letter.
Dear [redacted]: We received a copy of the follow-up complaint you submitted to the Revdex.com regarding your Real Life Rewards [redacted]. Your feedback is very important to us as it allows us to better understand how we can improve the service we provide to our customers. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. (I am sorry but this sounds like a standard corporate line, it has been on every letter, unfortunately these are not the words company lives by)   On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. However, we stand by the responses conveyed to you in our previous letters dated July 11, 2017, and September 1, 2017. I have enclosed copies of those letters for your convenience. Our position on this matter has not changed. (I position hasn’t changed either, I hold the company responsible)   In addition to Auto BillPayer, you have other options for making a payment on your account. You may make a payment in a branch, online at 53.com, at an Automated Teller Machine (ATM), or by calling customer service at ###-###-####. Customer service is available Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. You may also send your payment by mail to the following address: Fifth Third Bank PO Box 740789 Cincinnati OH 45274-0789 (these options are well suited for bank doing business in 20th century not 21st century. Besides nearest branch is 60 miles or so from home)   Please also be aware that if we receive an additional complaint or other type of correspondence from you regarding this matter that does not contain new information, you will not receive additional correspondence from the Bank regarding this matter. This is because this matter has already been appropriately addressed in our previous letters to you as indicated above. Thank you for your patience while waiting for a response. You are a valued customer, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. (Unfortunately in my opinion no real effort has been made to resolve the issue, I do appreciate the apology though I must admit I don’t feel like a valued customer)   Sincerely, Elizabeth D. Office of the President Pc: Revdex.com Enclosure: Previous Response Letters    
Regards,
[redacted]

[redacted], [redacted] Date: January 11, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

your checking account. I also appreciated the opportunity to speak with you. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. Please be assured we have researched this matter fully, and passed your concerns on to the relevant parties within the Bank. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. You contacted Fifth Third Bank (“the Bank”) to dispute two (2) electronic checks that posted to your checking account without your authorization. Our Domestic Collections Department has opened the following claims and the necessary documentation has been submitted to the receiving banks to initiate recovery efforts. ** Case # [redacted] was opened for the $800.00 check that posted to your account on December 22, 2016. The claim was sent to [redacted] on December 28, 2016 and they typically take at l[redacted] ninety (90) days to respond to our collection request. ** Case # [redacted] was opened for the $342.56 check that posted to your account December 29, 2016. The claim was sent to [redacted] on January 6, 2017; however, [redacted] takes up to six (6) months to respond to our collection requests. Typically, the Bank does not issue credit for this type of disputed transaction before receiving the funds back from the other financial institution. However, upon review of the extended turn-around times from the other banks that are involved, we have made the decision to issue a provisional credit to your checking account. A credit of $1,142.56 was credited to your account on January 10, 2016, for your use until the claims are finalized. In addition, we have reversed the $99.00 in overdraft fees assessed to the checking account due to these items. If you have additional questions regarding the status of your dispute, our Domestic Collections Department can be reached at ###-###-####, option 2, Monday through Friday, 8 a.m. to 5 p.m., ET. Fifth Third Early Access is a line of credit used to assist our customers with short-term, financial emergencies, or unexpected financial needs. The Bank does not currently offer the Early Access product to new checking account holders. After further research, I was able to confirm that there is a procedure to open an Early Access advance feature on a new checking account when the old one is closed due to fraud concerns. I apologize that I was not aware of this when we first spoke. After the current checking account is closed, the new account is opened, and a new Early Access terms and conditions form is signed, we can proceed to activate the Early Access feature. There can be up to a three (3) day delay in activating the Early Access on the new checking account. As we discussed, I will communicate this information to the [redacted] Financial Center to facilitate matters when you visit them at the end of this week. You are a valued customer and it is certainly not our intention to cause you any hardship. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to assist you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

[redacted] Date: June 3, 2016 Account: [redacted] Account: [redacted] Regarding Your Checking Accounts Dear [redacted]: We received your complaint from the Revdex.com, regarding a check order...

fee charged to your account ending [redacted] and an overdraft protection fee charged to your account ending [redacted]. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, I apologize for the difficulties you have experienced. It was certainly not our intention to cause you any undue hardship or frustration. On March 7, 2016, a Basic Checking account was opened by you via the telephone with our New Accounts Department. A review of the call confirmed checks for this account were ordered at your request. However on March 25, 2016, the fee of $23.99 charged to your account was waived as a courtesy. Additionally, on September 5, 2015, a request to add Overdraft Protection to your checking account ending in [redacted] from your Relationship Savings account was processed. A review of the call confirmed the agent assisting you, did advise you of the $12.00 fee for Overdraft Protection. Your account overdrew on May 9, 2016, and Overdraft Protection processed a transfer to your checking account from your Relationship Savings account and the $12.00 fee was assessed. I have included a copy of the Overdraft Notice sent to you for your review. Please be advised that as a courtesy I have waived the $12.00 Overdraft Protection fee. However, no further compensation would be provided. We appreciate your patience while we researched this matter and apologize for any inconvenience this situation may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shannon K.Office of the President Enclosure: Overdraft Notice

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]

[redacted] Date: August 13, 2015 Account: [redacted] Regarding Your Fifth Third Stand Up 2 Cancer [redacted] Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your credit card account. We appreciate...

the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that our senior and executive management teams review customer concerns as part of our ongoing commitment to improving our customers’ satisfaction. On July 30, 2014, the Bank received and approved your application for a Fifth Third Stand Up 2 Cancer [redacted]. Upon approval of your credit card account, your card and credit card agreement were mailed to you. For your review and convenience, a copy of the most recent version of the credit card agreement currently in effect for your account is enclosed. Please note page two and three (2-3), item ten (10) which explains how credit card payments are processed and applied to your credit card account. Payments on your Account that exceed the Minimum Amount Due will be allocated first to the Account balance with the highest Annual Percentage Rate (APR), and then to each consecutive Account balance bearing the next highest APR, at the time payment is posted to your Account. On March 27, 2015, the Bank sent your credit card statement indicating a minimum payment of $88.00 due by April 24, 2015. I have enclosed a copy of this statement for your records. On March 30, 2015 the Bank received and posted your $500.00 payment to your credit card. On April 27, 2015, the Bank received and posted a second $500.00 payment to your credit card account. The payments are listed on your enclosed credit card statement dated April 27, 2015.The credit card statement generated on April 27, 2015, indicated a minimum payment of $68.00 was due on May 24, 2015. The Bank did not receive a payment by May 24, 2015. Therefore, on May 26, 2015, a late charge of $35.00 posted to your credit card statement.The next credit card statement was generated on May 27, 2015. This statement shows the late charge, and indicated a minimum payment due of $145.00 by June 24, 2015. This statement included a past due amount of $68.00.The Bank did not receive a payment toward the credit card account and on June 24, 2015, a $35.00 late charge was assessed to the account. Because there were no payments received on two consecutive credit card statement cycles, the Bank revoked your ability to make transactions with this credit card account. I have enclosed a copy of this credit card statement for your records.On June 26, 2015, the next credit card statement was generated. This statement shows the late charge from June 24, 2015, and indicated a minimum payment due of $222.00 by July 24, 2015. This statement also included a past due amount of $145.00. On June 27, 2015, the Bank received and posted a $222.00 payment to your credit card account. I have enclosed a copy of this credit card statement for your records.As we discussed in our phone conversation on August 10, 2015, the Bankcard department has agreed to reopen your credit card account, pending your enrollment in the Auto BillPayer payment system. By enrolling in Auto Billpayer, you authorize transfers from your bank account to your Fifth Third credit card. Payments will be initiated based on the instructions you provide to Auto BillPayer in regards to date of payment and the amount of your payment. Also, I will notify our bankcard department to remove the revoked status as soon as your enrollment into Auto BillPayer is confirmed.We have completed our review of the payment history reporting on your credit report for your Fifth Third Stand Up 2 Cancer [redacted]. Our review determined that the information provide to the credit reporting agencies is accurate. However, we will submit an update to the credit reporting agencies to remove the revoked status, as soon as our systems reflect your enrollment into Auto Billpayer. Please note, this may take up to thirty (30) additional days to reflect on your credit reporting. You will also receive notice of the correction from our Operations Department under separate cover.If you would like to contact the credit reporting agencies directly, their contact information can be found below: • [redacted] ###-###-#### • [redacted] ###-###-#### • [redacted] ###-###-#### • [redacted] ###-###-####  We strive to provide professional and accurate service to our customers, and apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at 513­358-2985 or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ETSincerely,Patrick S.Office of the PresidentPC: Revdex.com   Enclosures: Statement and Credit Card Agreement

[redacted] Date: March 7, 2018 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your...

installment loan. We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We have completed a review of your account ending in [redacted]. Our records indicate that a payment in the amount of $330.00 was received on February 27, 2018. I have also reviewed the documentation you provided from your financial institution showing the online bill payment that was made. This documentation states that the check was printed on February 20, 2018, and mailed on February 21, 2018. In addition, the delivery method is indicated as Standard with a delivery date of February 27, 2018. Please be assured that as your payment was received within your grace period, a late fee was not assessed to the account. However, as we have been unable to locate any errors with the posting of your payment, the per diem interest amount will not be credited back to the loan. I would also like to confirm for you that your payoff in the amount of $21,068.28 was received on March 5, 2018. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Office of the President

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 resolution proposed does not resolve my issue. The statement that I made is that Fifth Third is predatory in their over draft policies. There should never be a need to decline overdraft protection three separate times, in three separate ways. This is not typical of the way most banks require the decline of overdraft protection. It appears that Fifth Third relies on its consumers to be unaware of the intricacies of what is needed to decline overdraft protection, and because of that, know they are able to make a few hundred dollars off of every consumer that is not given the complete details. This is predatory, and I will be closing my account. 
Regards,
[redacted]

This is a copy of the letter that I received dated 8/17/2016. Just click to enlarge it.This letter hardly says anything about the denial. Yet shows how this dept. operates. As I said yesterday in my response this letter was not provided to the Revdex.com and the letter dated 9/1 that they provided only in response to the Revdex.com and my still not getting assistance after receiving the attached letter from even the mgr. Lemont.Yet the letter from them dated 9/1 says that they have researched the dispute at this point yet nothing has been provided except saying my dispute was denied and insistant there is nothing I can do about it.Being told that my own letter detailing the dispute is why it was determined services were rendered by the merchant is ridiculous.I need to know specifically why this would be determined by them since my details are obvious to no service was rendered as to what was agreed upon for the 350.00.Also why no response from the merchant is not a factor. As I have been told previous by them that it is. The merchant could have responded and has had 90 days.Also if my letter was in fact the reason it wad denied why since my letter goes back to June, would it have taken this long.I was told the length of time is to allow time for the merchant response in which there wad not one at all.Why Lemont the mgr. told me there was a merchant response and he didn't have even my letter.Very bad customer service! No management. When I have asked the questions stated I have been told many times "i don't know the answer to that".So the questions stated are what I need to know since as explained 350.00 the merchant [redacted] had me text her the front and back of my credit card and didn't do what she said that she would do.I was told by one supervisor that "it was a phone consult". The merchant offers free phone consults as stated on her website.I was told by someone else "you entered into an agreement on her website".I never did anything on the merchants website. In fact I only indicated her website as being fraud since she only has her cell phone and no business phone.No one knows what is going on, maybe never read my details. Also if any questions I could have been called.

[redacted] Date: September 21, 2015 Account: [redacted] Regarding Your Debit Card Dear [redacted]: Thank you for your follow-up correspondence to the Revdex.com concerning your Debit Card. We appreciate the time you have taken to express your concerns regarding your card. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As mentioned within our prior letter to you, if you are able to supply us with a copy of the bill in question, we will work with you to find a suitable resolution to the disconnect fee that you received. As of September 17, 2015, we have not received a copy of your bill. Please mail it to the address below. Fifth Third Bank Office of the President Attn: Beth H. 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, the documentation can be faxed to my attention at: ###-###-####. Again, I apologize that you were unable to have access to your funds during the time period that your debit card was blocked and when you received a new card. If the issue arises in the future, most utility companies are able to process debits on checking accounts. Customers would need to supply the company with their checking account number and routing number for the payment to be made on their utility bill to avoid any disconnection of services. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Beth H. Office of the President

5050 Kingsley DriveMD 1MOCOPCincinnati OH 45263[redacted]Date: August 19, 2016Account: [redacted]Regarding Your Mortgage AccountDear [redacted]:We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your mortgage loan account. We appreciate the time you have taken to express your thoughts and concerns.I am very sorry for the difficulties you experienced with the Bank after switching your homeowner’s insurance in February 2016, and after your monthly payment changed in June 2016 due to your escrow analysis. Per our conversation on August 9, 2016, the Bank can apply only full monthly mortgage payments to the loan. Payments that are insufficient to cover the payment due are not able to be utilized toward the payment owed. For this reason, the funds are placed into an unapplied state until we receive additional funds to satisfy the full payment. If the remaining funds needed to satisfy the payment are not received within thirty (30) days of the due date, the loan is reported delinquent to the credit reporting agencies.Per the April 2016 escrow analysis, if the shortage was not paid then the new payment for your mortgage loan effective June 1, 2016, was $1,180.13. The $1,109.71 we processed on June 1, 2016, was insufficient to cover the payment due so it was placed into an unapplied state. We then received a $1,180.13 payment on July 1, 2016, which was utilized to cover the payment due for June 1, 2016.  Because the payment was received more than thirty (30) days after the due date, the loan was reported as delinquent for June 2016. I understand that you utilize a third (3rd) party company to process bi-weekly payments on your behalf, and they were unable to update the payment amount in their systems in time for the June 2016 payment.We next processed a $70.41 payment on July 1, 2016, which was placed into an unapplied state. The funds were combined with the $1,109.71 in an unapplied state to make a $1,180.13 payment on July 28, 2016. These funds covered the payment that was due on July 1, 2016. Per our conversation, the June 2016 payment was also backdated to June 1, 2016, which is the date we received the $1,109.71. As a result of backdating that payment, the late pay reported for June 2016 was removed and there is no late fee on the account for that payment.On August 1, 2016, we processed a $1,250.55 payment to the loan. We applied $1,180.13 as the August 2016 payment. The remaining $70.42 was applied as a principal only payment. Per our conversation, we removed the $70.42 principal payment and mailed it back to you on August 12, 216. Please contact me directly if you have not received the $70.42 check.You mentioned in your complaint that you requested a review of your account, but that you received a  letter stating the request could not be honored. Per our conversation, the response was sent to you to trigger a phone call to the Bank so that we could provide you with information over the phone about requesting your June 2016 payment to be backdated. I am sorry for the distress this letter caused you. It was not our intention to cause you additional frustration. As of August 17, 2016, your mortgage loan is current and the next $1,180.13 payment is due on September 1, 2016. Please be assured that your concerns regarding our employee, Vernetta, have been forwarded to the relevant Bank personnel and management. We strive to provide courteous and prompt customer service, and I regret that was not your experience. We appreciate your feedback as it assists us in identifying problems and to continuously improve the level of service we provide to our customers. However, I cannot inform you of specific internal corrective actions that may be taken to resolve this matter. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,Shawna T.Office of the PresidentPc: Revdex.comEnclosure: 2015 Escrow Analysis, 2016 analysis

[redacted] Date: January 6, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your...

Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns. We completed a review of the Essential Checking account ending in 9475. Our records indicate that on November 28, 2015, the joint account holder, [redacted], accepted Overdraft Coverage via online banking for the Essential Checking account, allowing access to funds beyond the account balance with debit card transactions. Our review of the account activity included the following: ? On December 21, 2015, the beginning account balance was $302.11. There were ten (10) transactions that posted to the account, totaling $307.30, leaving the negative account balance at ($5.19). Because there were not enough funds to cover all of the transactions, the transaction to [redacted] in the amount of $31.85 was assessed an overdraft fee in the amount of $37.00 the following business day. ? On December 28, 2015, the beginning account balance was $125.05. There were ten (10) transactions that posted to the account, totaling $301.83, leaving the negative account balance at ($176.78). Because there were not enough funds to cover all of the transactions, the transactions to [redacted] in the amount of $72.95, [redacted] in the amount of $4.99, and ATT in the amount of $100.00 were each assessed an overdraft fee in the amount of $37.00 the following business day, totaling $111.00. ? On December 30, 2015, the beginning account balance was $51.31. There were five (5) transactions that posted to the account, totaling $112.84, leaving the negative account balance at ($61.53). Although there were not enough funds to cover these transactions, because the Overdraft Coverage was declined by you, via online banking, on December 29, 2015, these debit card transactions were not assessed any overdraft fees. Our review of the account history determined that Overdraft Coverage was accepted for the account between November 28, 2015, and December 29, 2015, and there was no Bank error in assessing the overdraft fees to the account. Because there was no error, we are unable to accommodate your request to reverse any additional fees. I am sorry for any additional frustration this may cause you, and any difficulties you may have experienced when calling the Bank. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President

Problem: Again September 26,2017 my credit was ran again Christopher C[redacted] was suppose to run my husbands credit and ran mine again without my permission my credit was ran 3x’s with this bank Mr.C[redacted] sent me emails stating to get financing through another bank that deals with self employed people this is ridiculous and he came and told me to start a new application again with the same house I’m applying for and The underwriting does not know how to read taxes they lie they need professional people to deal with clients this is becoming ridiculous already everyday at 5:00 pm and on Mr.C[redacted] always emails with not professional things I had EMAILED MR.C[redacted] ASKING FOR A BOARD REVIEW FOR MY APPLICATION AND READ ALL THE DOCUMENTS I SENT VIA EMAIL AND MAIL TO PLEASE REVIEW AGAIN THERE IS A DISCREPANCY SOMEWHERE THEY ARE FAILING TO DON’T DO THERE JOB PROFESSIONAL ALSO WHY DID IT TAKE MR.C[redacted] TO RUN MY HUSBANDS CREDIT 3 DAYS LATER AFTER I REQUESTED INHAVE PROOF OF MY TAXES PLEASE I NEED A BOARD REVIEW THE PRESIDENT OFFICE IS FAILING TO CONTACT ME REGARDING THIS REOCCURRING MATTER!!!Desired Outcome: REVIEW BOARD FOR MY APPLICATION AND A REFUND FEE FOR APPLICATION FOR THE TROUBLE I HAVE ENCOUNTERED W