PROCORPSA

[redacted] Date: November 19, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your additional complaint submitted to the Revdex.com concerning your installment loan payments. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. To maintain the security of your account, I am sending this letter to the address we currently have on record for you. I regret any frustration that may have occurred surrounding this matter, but according to our security protocols, I cannot update your mailing address based upon your correspondence. In addition, we have verified that a coupon book was sent to the address on file October 8, 2015, if another book is ordered it will continue to be shipped to the same address. I encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updated. The Customer Service Department can be reached toll-free at ###-###-####, Monday through Friday: 7:00 a.m. to 8:00 p.m., Saturday 8:30 a.m. to 5:00 p.m., ET. I can be reached at the telephone number listed below. Regrettably, I have been unable to reach you after multiple attempts. Please feel free to contact me either in writing or via the phone number listed below to provide us with further information regarding any payments that may have had a delay in posting, or the specific date and time of the early drive thru closure, we would be happy to look into these matters for you. The requested information can be mailed to the following address: Fifth Third Bank Office of the President Attention: Sarah S. 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. [redacted], I appreciate this opportunity to further attempt to address your concerns and 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, Sarah S. Office of the President Pc: Revdex.com Enclosure: Previous Response

[redacted] Date: January 18, 2017 Account: [redacted] Account: [redacted] Regarding Your Savings Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com)...

regarding your savings 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. You contacted the Bank on November 14, 2016, to dispute the savings account ending in [redacted] as having been opened in your name fraudulently. We opened an investigation and assigned case number [redacted] to the claim. After completing our research, we approved your claim. Enclosed is a copy of the approval letter we issued on November 30, 2016. The account was closed and charged off with a negative ($166.00) balance owed on July 24, 2014, which was reported to [redacted]. We also sold the debt owed to a third party collection agency, [redacted]. Unfortunately, the Bank employee who researched your claim did not delete the [redacted] record or repurchase the debt from [redacted]. Please be assured on January 6, 2017 the reporting was deleted with [redacted] and the debt was bought back from [redacted]. While researching your dispute, the investigator determined a second (2nd) savings account ending in [redacted] was also opened in your name. The savings account ending in [redacted] was opened in person at a banking center on April 10, 2014. The savings account ending in [redacted] was opened in person at the same banking center on April 11, 2014. Both accounts were opened with cash deposits. The investigator determined that both accounts were opened by the same individual. Therefore, if you advised the account ending in [redacted] was opened fraudulently, then the account ending in [redacted] had to be opened fraudulently as well. It is not uncommon for a customer who states an account was opened in their name fraudulently to have other accounts opened as fraud that they do not know about. Because both accounts were opened by the same individual, and you advised the account ending in [redacted] was opened as a result of identity theft, we determined that the account ending in [redacted] was fraudulent as well. Therefore, any funds in the account ending in [redacted] did not belong to you. At the time we completed the fraud investigation, there was $60.00 in the savings account ending in [redacted]. Since the account was determined to be fraudulent, we removed the $60.00 and placed it into our fraud recovery fund. We then closed that account as well on November 30, 2016. Because both accounts were opened by the same person, they are either both fraudulent or both valid. If you have determined that you did actually open the accounts, you will be responsible for the $166.00 charged off balance from the account ending in [redacted]. If this is the case, please contact me directly using my phone number listed below. Because there was $60.00 in the account ending in [redacted], we would apply the $60.00 to offset the $166.00 owed. This would leave a remaining $106.00 you would owe to the Bank. 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 Enclosure: Approval Letter, Savings Account Statements

[redacted] Date: October 29, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com concerning your installment...

loan payments. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. Please note that on January 25, 2012, you agreed to a seventy-two (72) month installment loan for $22,664.90 with a maturity date of March 24, 2018. Your payment of $352.37 is due on the twenty-fourth (24th) of every month. Enclosed please find a copy of your installment loan security agreement which details the terms of the loan and includes your full account number. Please be advised that your installment loan is a simple interest loan, with interest accruing daily on unpaid principal. When we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last payment. Then we apply the remaining funds to the unpaid principal balance. Your payment habits affect the amount of interest you pay over the life of your loan. If payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of the loan. Because less of your payments were applied to the principal balance, there may be a larger final payment due to additional accrued interest. We have researched the issues you brought to our attention regarding your loan payments, and unfortunately were unable to find record of a date that the [redacted] Financial Center had an issue with an early closure time of the drive thru. Additionally, upon review of the payment history for your installment loan, we have determined we cannot accommodate your request to waive any late fees. We deeply regret the inconvenience this caused, but if you would like to provide us with further information regarding any payments that may have had a delay in posting, or the specific date and time of the early drive thru closure, we would be happy to look into these matters for you. To assist you in making your future payments I have ordered a coupon book for your loan, which has been sent to the address above in a separate mailing. In addition, your comments expressing less than quality service you have received are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we have not met your expectations. I want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. [redacted], I appreciate this opportunity to address your concerns and 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, Sarah S. Office of the President Enclosure: Installment Loan Security Agreement

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.   
Regards,
[redacted]Hello - This complaint is against Fifth Third Bank. This complaint is in regards to unfair business practices under the fair credit reporting act. This complaint is also in regards to fifth third bank engaging in unfair treatment and practices against minorities. In the past fifth third bank has been ordered to pay over 1,000,000 for lending violations. While, this is not a lending violation it is a matter of fairness. Fifth third bank accessed a 30 day late notice to my mortgage account after there was a mix-up regarding setting up automatic bill pay. Because there was confusion in the past, I was under the assumption that automatic bill pay was setup and there were no issues. However, that wasn't the case. On May 9th, 2017, I call regarding the account and was informed I was 30 days late. I immediately paid the account and begin to investigate. The facts are; 1. On May 9th 2017 - The fifth third agent said on a recorded line that the bank did not have a number to call me. She took my information and said she would update my file. 2. Fifth third bank never called me during the 30 days of April to let me know the account was behind. 3. Fifth third bank send 1 letter - because I travel weekly, I did not receive the letter. Which is why a call or having bill bank established is critical 4. Fifth third bank indicated in written communication that they never called me 5. Fifth third bank called me regarding my loan for the first time in almost two years on 6/6/2017. This is no coincidence. 6. The rep from fifth third bank stated that the late date could not be removed because it's accurate and the bank made no mistake. However, that statement is false, according the fair credit act, a lender can correct or delete negative information reported. I'm asking that the 30 day late date be removed due to the following; 1. Inaccurate information given to the consumer 2. Fifth third bank failed to call me regarding my mortgage. While they may not have to call, it's the right and FAIR thing to do to keep customers from getting behind. Because the bank indicated I never received a call, I'm asking that the bank assume responsibility for not doing all they could to protect me. 3. There was clearly a mis-communication between myself and fifth third bank regarding the automatic bill pay.Desired Outcome: Remove 30 day late date

Please find below a copy of the letter being mailed to the customer. We have sent a W9 tax form overnight to the customer.[redacted] Date: November 3, 2016 Account: [redacted]9932 Regarding Your Fifth Third Bank...

Installment Loan Dear [redacted]: We received a copy of the complaint filed by Brandy L. Snyder on your behalf with the Revdex.com concerning your installment loan. We appreciate the time you have taken to express your concerns regarding this matter. Please accept my deepest sympathy for the loss of your son. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. It was certainly not our intention to cause you any hardship. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. 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 I mentioned on my telephone message on October 31, 2016, we sent a signed W9 form via [redacted] overnight mail on October 31, 2016. The tracking information on that package confirmed you received the letter Tuesday November 1, 2016. Upon receiving your complaint, we reviewed your telephone calls to the Customer Service Department. On September 28, 2016, Jason contacted the Customer Service Department and was provided a fax number to our Depositor Service Department. I am sorry that you did not receive a copy of the signed W9 tax form prior to November 1, 2016. Our review of the payment history for your installment loan determined the Bank received your payment of $527.00 on October 18, 2016. This payment was made within the fifteen (15) day grace period on your loan. There were no late charges or negative credit reporting resulting from this payment. Your next loan payment of $526.62 is due on November 9, 2016. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. If I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President 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.  Why would you give two cards for overdraft protection on the same checking account? The last statements were my checking account statements.  
Regards,
[redacted]

A name on the account is [redacted]. She is my wife.

[redacted] Date: March 16, 2016 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your vehicle installment...

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 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 concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On February 26, 2016, we received your loan payment of $200.00. This payment was originally not applied correctly to your loan. When we discovered this error, we located your payment and applied it to your loan on March 11, 2016. Also on March 11, 2016, the payment was backdated to the date that the payment was originally received of February 26, 2016. Please be assured that this payment issue did not result in any additional interest accruing on the loan. Please also accept my sincere apologies for any difficulties you experienced when you previously contacted the Bank to resolve this issue. We strive to provide professional and accurate service to our customers, and we regret if this has not been your experience. 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, Adam P. Office of the President PC: Revdex.com

[redacted] Date: January 26, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

checking 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. Enclosed for your review is a copy of the Rules and Regulations applicable to your account. Pages eleven (11) through thirteen (13) explain how Fifth Third Bank processes transactions and overdrafts. Per the Rules and Regulations, transactions are processed in the following order: ** Add in credits and deposits per our Funds Availability Policy ** Deduct timestamped debits, such as Automated Teller Machine (ATM) withdrawals and debit card transactions, in the order they were authorized ** Deduct batch debits during overnight processing, such as checks and Automated Clearing House (ACH) items, in order of the largest amount to the smallest amount ** Deduct Bank fees and service charges Debit card and ATM transactions are time-stamped debits and are pre-authorized at the time of use, and will show as pending until they are posted. Because time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic ACH payments are batch debits that are not pre-authorized by us. These transactions do not include a time-stamp and will not show as pending during the day. Checks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized by you to be paid. Direct deposits are also credited to your account for the date the issuing party states the funds should be made available to you. Direct deposits show as pending on the date of the deposit. The beginning balance in your checking account on January 19, 2017, was $6.62. Two (2) transactions totaling $1,406.75 posted to your account during overnight processing for that day, resulting in an ending balance of negative ($1,400.13). Based on our processing order listed above, the timestamped debit card transaction posted to the account first (1st) for $6.75, which exceeded the $6.62 balance. We then deducted check number [redacted] for $1,400.00. Because both transactions posted to the account causing a negative balance, and the resulting overdraft was greater than negative ($5.00), two (2) $37.00 overdraft fees were assessed the next business day. You received a $1,565.16 direct deposit on January 20, 2017. However, a direct deposit on January 20, 2017, cannot prevent already assessed overdraft fees from the previous business days payments from posting. A deposit must be received prior to a payment posting to prevent an overdraft occurrence. We confirmed that the transactions posted in accordance with the Rules and Regulations for the account, and that no errors were made. We certainly understand that mistakes sometimes happen, and we are able to reverse some overdraft fees on customer accounts every rolling twelve (12) month period. We previously waived $74.00 in overdraft fees from your account in the interest of customer service since the account was opened on August 5, 2016. We are unwilling to waive additional fees at this time. You mentioned the processing order on your checking account varies based on whether or not there is an overdraft situation. Please be assured that all transactions are processed as listed above per the Rules and Regulations. Please note that because timestamped transactions are deducted before batch debits, it is possible that the timestamped transaction will be larger or smaller than the batch items. Only batch items are processed in order of the largest dollar amount to the smallest. Enclosed are all statements and overdraft notices that have been issued for your account since it opened. I noticed that you utilize our Online Banking, but you have not set any account alerts. You have the ability to set alerts to be emailed or texted to you to regarding the account balance. You can set an alert to tell you if the balance falls below a dollar amount of your choosing, and to send you a daily balance. Please note that daily alerts are sent one (1) time per day. You can establish alerts, as well as register for Mobile Banking online at 53.com by visiting the Service Center tab. If you have questions or need assistance, please contact our Customer Service Department at ###-###-####. Customer service is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. Please note that because batch debits do not show pending on your account and are posted during overnight processing, you will not receive an overdraft alert for a batch debit overnight. Some customers choose to maintain a ledger of all transactions they have scheduled to help avoid overdrafts. You may also wish to consider declining Overdraft Coverage for your ATM and debit card transactions. Currently, you have opted-in to Overdraft Coverage. This means that the Bank may approve a one-time debit card transaction even if there are insufficient funds in your checking account. This can result in overdraft fees if the transaction posts to the account while it has a negative balance. If you opt-out of Overdraft Coverage, the Bank will decline one-time debit card transactions if there are insufficient funds in your checking account at the time of the authorization. Overdraft Coverage does not apply to checks or ACH electronic bill payments. For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the future. Information regarding Overdraft Coverage options is also provided on the enclosed document. Please feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. 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: Rules and Regulations, Statements and Notices

[redacted] Date: November 3, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the additional complaint you recently filed with the Revdex.com (Revdex.com) regarding your escrow refund check. Fifth Third Bank takes your continued feedback seriously, and I appreciate the additional time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my continued apologies for the frustration this matter may have caused you. As we discussed when we spoke, the check that was sent to you on October 18, 2017, was not sent to the correct address. We deeply regret that this occurred, and have verified that this check was stopped, and a new check was sent to you via UPS to the address listed above on October 30, 2017. I was pleased to confirm via UPS tracking number [redacted] that on November 1, 2017, this check was delivered at 12:39 p.m. to your porch. As stated before, Fifth Third Bank strives to provide an exceptional experience to our customers with each interaction, and I continue to be very sorry we have not met your expectations. I also want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. Mr. [redacted], I appreciate the continued opportunity to address your concerns and thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at [redacted]
[redacted]or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, [redacted] Office of the President Pc: Revdex.com

We still have not received the check. We did receive an aplogy letter that stated the check was over nighted to us on 10/18 but it never arrived.

[redacted]t [redacted]7 Date: June 8, 2017 Account: [redacted] Account: [redacted] Regarding Your Recent Credit Card Dispute Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

concerning your recent credit card dispute. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Thank you for taking the time to speak with me on May 19, 2017, regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused. 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. Our research determined you contacted the Dispute Resolution Department (DRD) and disputed purchases made with [redacted]. Upon contacting the DRD the investigator opened case [redacted] to investigate your claims. The Bank did provide credit to your account while investigating your concerns. On May 25, 2017, the DRD notified you that your claim was denied. The credit provided to your credit card was reversed as a result of the investigation. Based on the information you provided the intake specialist, the DRD investigated this claim as a non-fraud claim. You stated that you had previously cancelled your service and paid the merchant by other means. In researching your concerns, we have contacted the DRD and filed a new fraud dispute on your behalf. Please find enclosed a copy of your credit card statements for your two (2) credit card accounts ending in [redacted] and [redacted]. Our review of the transactions with [redacted] determined you were charged seven (7) times, and have received credit for five (5) transactions. On your behalf, we have filed a dispute on the two (2) remaining $98.09 transactions. The case number is [redacted]. If you review the enclosed statements and determine there are more unauthorized charges, please contact DRD at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday 8:30 a.m. to 5 p.m., ET. We appreciate your patience while we researched your request. 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, Patrick S.Office of the President PC: Revdex.com Enclosure: Merchant Documents Denial Letter Statements

[redacted] 
[redacted] 
[redacted] Date: January 14, 2016 Account: [redacted] Regarding your Secured Credit Card Account Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com regarding your Secured...

Credit Card. We appreciate the time you’ve taken to document this matter and appreciate the opportunity to respond to your question. Per our secured credit card agreement, when a credit card is secured with money deposited in a savings account, that money is held 90 days after the credit card is paid off and the card is closed. On October 2, 2015, we received your payment in the amount of $190.21 to pay off the balance and per your request, we closed the account. On January 4, 2016, the next business day after the 90 days were complete, the hold on your savings was released and on January 5, 2016, you transferred $250.00 to your checking account ending in 8336. On January 6, 2016, you transferred another $50.00 to your checking account leaving a balance of .26 cents. 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 call me at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Briggett F. 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.  
The agent has made several attempts to contact her. She refuses to respond or return phone calls to [redacted] and has made up her mind to steal customers hard earned money after she was provided with the declaration page [redacted] personally created per her specific absurd requests. Once again it was a typed declaration page due to computer error on [redacted]'s end for the month of March and April 2016 that they can not change or alter because fifth Third Bank is well aware that this would be considered insurance FRAUD! She has the declaration page WITH my deductible amounts and coverages which are well above state minimum provided to her just as requested. I'm just glad and appreciative to Better Business Burea to have let this play out in their public forum for potential future customers to witness the wrong doings, negligence, and plain ignorance displayed by Fifth Third Bank throughout this entire complaint! I grant Better Business Burea the right to publish the documents and letter by [redacted] with personal information such as account numbers blacked out. 
Regards,
[redacted]

[redacted] Date: November 21, 2017 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com concerning your vehicle installment loan. We appreciate the additional time you have taken to express your concerns regarding this matter. Although it is our sincere desire to assist you, we do not have any additional to provide you with regarding this matter. We feel that our previous response to you dated November 15, 2017, sufficiently addressed this matter. We strive to provide professional and accurate information to our customers, and we apologize for any inconvenience or frustration 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, Adam P.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.   
This bank is placing holds on funds long after they have cleared.  In this particular case, the monies were removed from the funding account the day after deposit (they were removed from the funding account on 12/4) yet were not available for access until 12/14.  This is excessive and is not a function of risk or security, it's a means for them to "hold" my cash - and unfair.
Regards,
[redacted]

[redacted] Date: April 18, 2017 Account: [redacted] Regarding Your [redacted] Credit Card Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your attempts to access your [redacted] Credit Card at an Automated Teller Machine (ATM). 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 the difficulties you experienced while attempting to use your [redacted] Credit Card ending in [redacted] at an ATM. Please be assured that we researched this matter thoroughly 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. After conducting a thorough review, we determined that your Personal Identification Number (PIN) was not successfully reset when you first contacted the Bank because the previous bad PIN attempts were not properly cleared from your account before you reset your password. We deeply regret that we were unable to resolve your concerns when you first contacted the Bank. Our research also determined that your PIN was successfully reset when you visited the [redacted] Banking Center on April 7, 2017, and you were successfully able to access your [redacted] Credit Card at an ATM later that same day. It was certainly not our intention to cause you any hardship. However, we are unable to provide you with any compensation. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. 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] Date: March 17, 2017 Account: [redacted] Regarding Your Transaction Dispute Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

your transaction dispute. 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 or frustration this matter may have caused you. On February 28, 2017, our Disputes Resolution Department opened case number [redacted] to investigate your dispute of a transaction in the amount of $343.88 from [redacted] that posted to your checking account ending in [redacted] on February 17, 2017. During their investigation they discovered that the disputed transaction was a recurring payment that you attempted to cancel on the same day it was supposed to be withdrawn from your account. Therefore, your dispute was denied and a letter was sent to you on March 1, 2017, informing you that your dispute had been denied. The denial reason was listed as follows: Cancellation for a preauthorized transfer must be provided to the merchant prior to the posting date of the preauthorized transaction. I have enclosed a copy of the denial notice for your convenience. Please note that the disputed transaction of $343.88 was returned unpaid on February 21, 2017, and a returned item fee of $37.00 was assessed. The returned item fee of $37.00 was waived on February 28, 2017, when you contacted the Bank about your dispute. Because the transaction was returned unpaid and your dispute was denied there are no funds to credit to your account. Thank you for your patience while we conducted our research. We value your business and 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, Elizabeth D.Office of the President Pc: Revdex.com

[redacted]Date: April 28, 2016 Account: [redacted]Regarding Your Mortgage LoanDear [redacted]:This is in response to your discussion with the Revdex.com and Lee F., Vice President and Bancorp Resolution Manager. For additional concerns, please refer to the previous response letters.Our records indicate that you called the Bank on July 2, 2015, for an explanation of the increase of your monthly payment after reviewing the Annual Escrow Account Disclosure Statement dated April 24, 2015. Per your request during this call, you were also provided instructions for removing the escrow from the mortgage loan; however, as our previous response addressed, we were unable to locate a request for the escrow account to be reanalyzed. For additional clarification on the increase of the monthly payment, page three (3) of the statement explains the projected and actual disbursements from June 1, 2014, to May 31, 2015. The projected disbursements in November 2014, and May 2015, to Oyster Bay Schools were in the amount of $3,420.86 each. However, the actual disbursements to Oyster Bay Schools were higher than projected, and the following disbursements were actually made from the escrow account:• In October 2014, a payment was disbursed to [redacted] in the amount of $4,402.20.• In April 2015, a payment was disbursed to [redacted] in the amount of $4,402.19.Please refer to page two (2) of the Annual Escrow Account Disclosure Statement dated April 25, 2015. This explains the projected payments from the escrow account for June 1, 2015, to May 1, 2016. In addition, the chart outlines the lowest projected balance of the escrow account, which is ($353.80), and the lowest required balance, which is $2,367.58. The escrow shortage, in the amount of $2,721.38, is calculated by taking the lowest required balance, $2,367.58, less the lowest projected balance, ($353.80).The annual review of the escrow account occurred on April 25, 2016. I have enclosed a copy of the Annual Escrow Account Disclosure Statement for your records and review. As this statement explains, there was an escrow shortage in the amount of $540.15, and the payment options are outlined as follows:1. Pay the escrow shortage of $540.15 in twelve (12) payments of $45.01. These shortage payments would be included in your new monthly payment of $3,101.51, which would begin June 1, 2016.2. Pay the escrow shortage of $540.15 in full by May 15, 2016.Your new monthly payment would be $3,056.50.3. Pay part of the escrow shortage of $540.15, and the part that is not paid would be divided evenly and added to your mortgage payment each month for the remainder of the annual review period. Per your telephone conversation with Lee F., Vice President and Bancorp Resolution Manager, you mentioned a concern that the escrow statements dated April 24, 2015, and April 25, 2014, were not received by you. Our records indicate that these statements were sent to the address on file at the time they were generated. Please note, these statements were also sent to you, at the address on file, on January 13, 2016, per the request made on January 12, 2016, while speaking to a supervisor with our Customer Service Department. In addition, these statements were uploaded to the Revdex.com website and enclosed with the response sent to you on February 11, 2016. I apologize if you didn’t receive these statements.We completed an additional review of the escrow account, and your request to have the account reanalyzed in September 2015. Our additional review determined that the account could have been reanalyzed at that time. We regret the difficulties this has caused you. Because of this, we have submitted a correction to all four (4) credit reporting agencies to remove the delinquent reporting for November 2015 and December 2015. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. If you would like to contact the credit reporting agencies directly, their contact information is provided below: • [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####Please be assured that we have fully researched each complaint that you sent to the Bank. While we strive to send a response within fifteen (15) to twenty-five (25) days, we are not always able to do so, based on the amount of research that is required. I apologized for any additional difficulties the delay in receiving the correspondence may have caused you.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.April Q.Office of the PresidentPc: Revdex.com, New York State Department of Financial Services Enclosures: Annual Escrow Account Disclosure Statement

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. The company has not addressed the dispute at all. They are indicating that we initiated a payment to a company that we do not do business with now or in the past.  This is a minor account and have only used this account for the sole purpose of savings. There needs to be a refund into our son's account.
[redacted]