PROCORPSA

We are in receipt of your letter dated December 29, 2016, regarding the informal complaint filed by [redacted] We have had the opportunity to investigate this Complaint and offer the following information.According to Armstrong’s records, no arrangement was made with Mr [redacted] to pay the monthly amount specified in his complaintArmstrong contacted Mr [redacted] with a call for non-payment on December 22, A service call was also made to Mr [redacted] on January 4th, and Armstrong has credited Mr [redacted] for a 1-day outageAt this time, Mr [redacted] can request a bill cycle change to accommodate his payment scheduleWe now consider this matter closed.Armstrong encourages Mr [redacted] to contact our Customer Service Center if he has any additional questions about this program or if he has any internet issuesThank you for your attention to this matterPlease feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Team

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] This is a falsehood and they are using it to deny this is their fault Their people told me on the phone when I called in the first time that their system was not reporting the mortgage If the reporting would have started up by april I believe I was told it would have been fine but not only did they not originally start reporting it at the end of my bankruptcy they also drug their feet in correcting this issue causing the problem as it is

[redacted] [redacted] *** [redacted] *** Date: April 20, Account: [redacted] Regarding Your Installment Loan Dear [redacted] : We received a copy of the complaint filed with the Revdex.com regarding the information reporting on your credit report for your installment loanWe appreciate the time you have taken to express your concerns regarding this matterIt was certainly not our intention to cause you any undue frustration and we sympathize with the difficulties you encountered when inquiring about your installment loanOn behalf of the Bank, we would like to offer our sincere apologies for any inconvenience you may have causedPlease be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concernsOur Consumer Contact Center strives to provide professional and accurate service during every telephone call they receive throughout the dayI am sorry if your telephone call experience did not meet the same high standardWe have completed our review of the payment history reporting on your credit report for the above referenced installment loanOur review determined that the information provided to the credit reporting agencies is accurateOn July 30, 2012, your installment loan was charged off for $Our records indicate that we received a full recovery payment for this charged off amount on February 26, I have enclosed a copy of the payment history for your reviewWe regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to remove prior negative reportingIf 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 I apologize for any inconvenience this matter may have caused youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Lisa SOffice of the President Pc: Revdex.com Enclosure: payment history

[redacted] I [redacted] *** [redacted] *** Date: November 8, Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted] i: We received a copy of the complaint you filed with the RevDex.com and the Consumer Financial Protection Bureau, concerning the $promotional offer for your new checking accountWe appreciate the time you have taken to express your concerns regarding this matterThank you for taking the time to speak with me on November 4, Your comments expressing less than quality customer service are very concerningAt Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customersWe sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to usFeedback like yours helps us identify problems and improve the level of service we provide to our customersPlease be assured that the relevant parties have been contacted to express your dissatisfaction with the service you receivedFifth Third Bank did offer a $promotional cash bonus for new accounts opened between April 11, and July 23, The promotion required, opening a new Essential Checking account, a direct deposit, and three (3) online bill payments within ninety (90) days after the account openingAdditionally, you needed to visit a local banking center with the coupon code associated with this offerThat code was MAB Code ***In researching your complaint, we determined your first direct deposit posted to your Essential Checking account on July 15, You made three (3) online bill payments with the third payment posting to your checking account on August 26, The transactions were all completed within the first ninety (90) days, and met the requirement of the promotional offerOn July 5, 2016, a deposit was made at the North Westerville Banking CenterYou stated in your complaint that you also brought the promotional offer email to the banking center that dayAs we discussed, the MAB Code [redacted] was not properly placed on your checking accountThis code triggers the promotional cash bonus, without the code, the promotional bonus did not post to your accountOn November 4, 2016, we submitted a request to our Retail Operations Department to credit your checking account the $Thank you for your patience while we researched this matterIt was certainly not our intention to cause you any frustrationYou are a valued customer and we hope you will allow us to serve your financial needs in the futureIf I could be of further assistance to you please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Patrick S.Office of the President PC: Revdex.com Consumer Financial Protection Bureau

[redacted] *** [redacted] [redacted] ** [redacted] *** Date: March 15, 2018 Account: [redacted] Regarding Your Credit Card Dear [redacted] ***: We received a copy of the complaint you filed with the RevDex.com regarding your credit card.... 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 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. We have completed a review of your account ending in ***. On December 29, 2017, our Dispute Resolution Department opened case number [redacted] in order to dispute charges totaling $183.63 for you. Due to the unauthorized charges, your card ending in [redacted] was closed and replaced by the card ending in ***. On March 9, 2018, your case was approved. I have enclosed the letter mailed to you on March 9, 2018, from our Dispute Resolution Department advising you of our decision. I have also enclosed your statement dated January 11, 2018, which shows that your account has been credited $185.82 for both the unauthorized purchases and the associated interest charges. I hope this letter meets your satisfaction and resolves your need. 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, Jennifer M.Office of the President Pc: RevDex.com Enclosures: Letter Dated March 9, 2018, 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. [First of all, I would like to know the exact date the check in question cleared. Secondly, I would like to know how many overdraft charges I have had within the past 12 months. I do not think the bank should place a hold on my check due to overdraft issues. Fifth Third bank charges a hefty overdraft fee of $37 per transaction. In comparison, other banks like [redacted] would give you a grace period to deposit enough funds to avoid the overdraft charge. Fifth Third paid my monthly insurance premium of $300.29 to [redacted] on 7/5/17 but then reversed the charge again on 7/6/17. This caused my insurance payment to be late and a return fee of $25 charged by [redacted] (see attached) . This is not right!] Regards, [redacted]

[redacted] [redacted] *** [redacted] *** Date: March 28, Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted] : We received a copy of the complaint you filed with the Revdex.comI also appreciated the time you took to speak with meWe strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectationsI understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused youAs we discussed, a replacement card for the credit card account ending in [redacted] was ordered and sent to you by overnight mailThe card retained by the Automated Teller Machine (ATM) has been destroyedThe fee for the rush replacement card was waived to provide a positive resolution to this situation for youYou are a valued customer and I appreciate this opportunity to address your concernsIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Alison S.Office of the President Pc: Revdex.com

[redacted] [redacted] *** [redacted] *** Date: December 7, Account: [redacted] Regarding Your Mortgage Loan Dear [redacted] : We received a copy of the complaint you filed with the Revdex.comWe are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concernsWe strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectationsThe annual premium for your homeowners insurance policy is escrowed and is collected as part of your mortgage paymentThe Bank reached your insurance agent on October 20, 2017, to verify the premium amount due and request a copy of the billWe sent a payment of $to [redacted] on October 23, Because you also paid the annual premium, the [redacted] returned the Bank’s paymentIt was credited to the escrow account on November 17, Per your request, those funds were moved from the mortgage’s escrow account to your checking account ending in [redacted] on November 29, There was no lapse in your insurance coverage and I apologize for the inconvenience this matter caused youYou are a valued customer and I appreciate this opportunity to address your concernsIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Alison S.Office of the President Pc: Revdex.com

[redacted] ***Date: February 28, Account: [redacted] ACCOUunt: [redacted] ACCOUunt: [redacted] Regarding Your Fifth Third Bank Credit Card AccountsDear [redacted] ***:We received a copy of the complaint you filed with the Revdex.com regarding your credit card accountsWe appreciate the time you have taken to express your concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you.On May 2, 2006, the Bank received and approved your application for a Fifth Third Bank Platinum [redacted] Upon approving the application, the Bank issued a [redacted] account ending in ***For your records and Convenience, please find enclosed copies of the statements dated September 12, 2014, through your most recent statement dated February 12, The last payment made toward this account was received on November 2, This credit card account was connected to your checking account ending in [redacted] as Ready Reserve (overdraft protection).On May 14, 2014, the Bank received and approved your application for a Real Life Rewards [redacted] Upon approving the application, the Bank issued a [redacted] account ending in ***For your records and Convenience, please find enclosed statements dated June 5, 2014, through your most recent statement dated February 5, This account was also connected to your checking account as Ready Reserve (overdraft protection).For your Convenience please find enclosed copies of your checking account statements and overdraft noticesPlease use the enclosed documents as verification of the overdraft history of your checking account, and that both Credit card accounts were utilized as Ready Reserve for your checking account ending in ***.Please review the enclosed statements and contact the Dispute Resolution Department if you wish to dispute any transactionsYou can contact the disputes resolution department at ###-###-####, Monday through Friday, a.mto p.m.; Saturday 8:a.mto p.m., ETThank you for your patience while we researched this matter for youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m.E.T.Sincerely,Patrick S.Office of the PresidentPC: Revdex.comEnclosures: Credit Card Statements for both a CCountsChecking Statements Overdraft Notices

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 received this $check the other day and have now cashed itThe fact that they didn't even have record of the $payment, yet sent me the refund check for it just now, shows their lack of customer service and how truly terrible this company is when it comes to their customersIt took two months to receive my full refund and I will be satisfied when I receive the additional $I have requested that they caused me in fees for paying other items late, due to their lack of repayment in a timely manner Again, they have sent the second check of $- to which this Revdex.com response from them states they don't have record of itIt is truly appalling that a business/bank would treat matters of other people's money in this mannerAgain, severely disappointed in their lack of professionalism Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and I find Fifth Third Bank is forcing me to accept their resolution of this matter The timeliness of the resolution of this complaint is an unacceptable one for a financial institutionFifth Third Bank charges consumers/customers daily fees for bank overdrafts, in the amount of $for the first overdraft Then they charge $for every day thereafter It took days for Fifth Third Bank to come up with the solution to refund me the $their faulty ATM kept during a deposit that took place days ago Fifth Third Bank should be reimbursing me a total of $although their administration states they cannot refund me the same fee they charge their customers! I will be blogging about my experience as I have kept a thorough record of this event Regards, [redacted]

[redacted] ***Date: July 29, Account: [redacted] Regarding Your Installment LoanDear [redacted] :We received a copy of your complaint filed with the Revdex.com regarding your installment loan accountWe appreciate the time you have taken to express your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter.It is my understanding that you have spoken directly to Jeremy H., Recovery Collections Manager, regarding the title for your vehicleWe determined that your vehicle’s original title, of which the Bank only possessed one (1) original copy, was sent to you on July 22, The title was sent to the address that was on file at that time of [redacted] Because we already sent you the one (1) original title that we held, we do not have another title to send to youAt this time, the only option available to the Bank is to send a release of lien letter to you, which you can then take to the state to request a duplicate titleI confirmed that you called the Bank on July 6, 2015, and requested we send your titleYou provided us with an updated address of [redacted] and the request was submittedHowever, because we previously mailed the title, we could only send you a lien release letterOur records indicate that a lien release was sent to you on July 8, However, it is my understanding that you did not receive it.We determined that the original title was mailed to you and that no Bank error occurred at that time in However, we understand that you requested a title multiple times and that various Bank personnel advised they would have one (1) sent to you when in fact, we no longer possessed the title to sendI am very sorry for the distress and inconvenience this situation has caused youWe strive to provide accurate and professional service, and I regret that was not your experienceIn the interest of customer service, MrHemailed a copy of the certified lien release to youHe also sent a lien release to you via overnight mailHe included a $check to cover the cost of obtaining a duplicate title from the stateWe confirmed per the United Parcel Service (UPS) tracking number that the lien release and check were delivered on July 24, 2015, at 9:a.mIf this was not the case, please contact me directly using the phone number listed belowPlease contact me directly if you did not receive the letter and check.Please be assured that your concerns regarding the customer service you received and the information that was provided to you have been forwarded to the relevant Bank personnelI am sorry for your negative experience with the BankWe appreciate your feedback as it assists us in identifying problems and to continuously improve the level of service we provide to our customersHowever, I cannot inform you of specific internal corrective actions that may be taken.We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely,Shawna TOffice of the PresidentPc: Revdex.com

[ 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]

[redacted] [redacted] *** [redacted] *** Date: November 28, Account: [redacted] [redacted] Regarding Your Transaction Disputes Dear [redacted] : We received a copy of the follcomplaints you submitted to the [redacted] [redacted] and Revdex.com regarding your transaction disputesWe appreciate the time you have taken document your additional thoughts and concerns in this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youHowever, we stand by the responses conveyed to you in our previous letters dated October 30, 2017, and November 1, I have enclosed copies of those letters for your convenienceOur position on this matter has not changedOur additional research confirmed that the reason why your disputes with [redacted] *** were approved was because we received chargebacks from the merchantIn the case of your [redacted] dispute, the merchant sent documentation showing services were rendered and the charge was validYou will need to resolve this directly with [redacted] in about your dispute of the conditions at the motelIn regards to your dispute of the taxes, you will need to resolve this with [redacted] and the State of IllinoisFifth Third Bank cannot assist you any further with your disputesOur records show that you closed your checking accounts ending in ***, ***, and [redacted] on November 2, As of November 15, 2017, the only open account you have with the Bank is your Access 360º Card ending in ***However, there is a fraud block on the card, so you no longer have access to it, or the ability to open a new cardPlease 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 matterThis is because this matter has already been appropriately addressed in our previous letters as indicated aboveThank you for your patience while we conducted our additional researchIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Pat SOffice of the President Pc: [redacted] , Revdex.com Enclosures: Previous Response Letters

[redacted] *** [redacted] *** [redacted] *** Date: September 27, 2016 Account: [redacted] Regarding Your Fifth Third Bank Accounts Dear [redacted] ***: We received a copy of the follow up complaint you filed with the RevDex.com, regarding your checking and savings account activity. Thank you for taking the time to document your thoughts and concerns. I appreciated the opportunity to speak with you on September 20, 2016, regarding this matter. Your original complaint filed with the RevDex.com was received on September 2, 2016. The Bank received a complaint you filed with the [redacted] on September 14, 2016. We received your most recent complaint filed with the RevDex.com on September 21, 2016. However, we stand by the response conveyed to you in our previous letter dated September 9, 2016. Our position on this matter has not changed. I have enclosed a copy of our previous response for your records. In our prior response, we enclosed copies of your checking account statements from June 2013 through April 2014. For your records and review, we have enclosed your checking account statements from July 2010 through May 2013. In addition, we have enclosed your savings account statements from June 2010 through May 2013. Please use the enclosed documents in addition to the previously mailed statements, as verification of the account balances and activity for the time your accounts were open. On July 23, 2013, the Bank processed a garnishment on your checking and savings account. Please find enclosed a copy of check ( [redacted] ) which was sent to [redacted] County Magistrate Court. The check was negotiated on July 31, 2013. The memo line on the enclosed check states: [redacted] . Please use the enclosed document as verification that [redacted] County has processed the check mailed on July 23, 2013. 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, Patrick S.Office of the President PC: RevDex.com Enclosure(s): Previous Response, Statements,

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. With all due respect, my original complaint has not been answered. Instead, this is a clear attempt to discredit the complaint with details of my account that I have already admittedly discussed and reviewed with Fifth Third Bank personnel. My issue is, that I did not ok overdraft protection and hundreds of dollars were taken out of the account by Fifth Third, which compounded the issue. The overdraft notices were received in bulk a week plus after the incidents. And, as I am on unemployment there was nothing's I could do to re-fund the account other than remove the debit card from affected accounts. Again, I am appealing to BBB due to the overcharging of my account for hundreds of dollars of fees that I would like re-funded. Even a compromise of half the amount would suffice. Regards, [redacted]

Good afternoon, I have spoken to this customer directly on October 28, 20416, (possibly after he sent the Revdex.com message) and we worked through his concernsWe are not submitting an additional response at this timeThank you! Shawna H.Customer Care Team Specialist IIFifth Third Bank | Office of the PresidentKingsley Dr.MD 1MOCOPCincinnati, OH

[redacted] [redacted] *** [redacted] *** Date: December 23, Regarding Your Recent Call to the Bank Dear [redacted] : We received a copy of the complaint you submitted to the Revdex.com regarding your recent call to the Bank about [redacted] credit card accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere condolences for your lossI am sorry for for the level of service you received when you contacted the bank regarding your father’s credit card account on December 16, Please be assured that Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customersAfter receiving your complaint, we researched this matter and reviewed the recordings of the callsI want you to also know that customer feedback is reviewed by our senior management as part of our ongoing commitment to improving our customers’ satisfactionHowever, I cannot inform you of any specific internal actions that may have been taken at this timeThank you for your patience while waiting for a responseIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Elizabeth DOffice of the President Pc: Revdex.com

A credit of $has been issued to the credit card accountPlease find attached a copy of the written response being mailed to the customer alsoThank you[redacted] *** [redacted] *** [redacted] *** Date: March 29, Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.comWe are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concernsWe strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectationsI understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused youYour payment of $5,posted to your account on February 21, A credit of $has been issued to the credit card account to reimburse you for the stop payment from your credit unionYou are a valued customer and I appreciate this opportunity to address your concernsIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Alison S.Office of the President Pc: Revdex.com

[redacted] [redacted] *** [redacted] *** Date: June 29, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of the rebuttal you submitted to the Revdex.com regarding your checking accountWe appreciate the time you have taken to document your additional thoughts and concerns regarding this matterI am sorry that you feel our previous response did not sufficiently address your complaintOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youHowever, we stand by the response we conveyed to you in our previous letter dated June 21, I have enclosed a copy of that letter for your convenienceOur position on this matter has not changedSince the [redacted] insurance payment posted to your account on May 3, 2017, it would not have been possible for you to have made the payment on May 4, If you have evidence to support you claim, please send documentation to the following address: Fifth Third Bank Office of the President Attn Elizabeth DKingsley Drive MD 1MOCOP Cincinnati OH You may also fax the documentation to my attention at ###-###-####If you are able to provide additional documentation, I will be happy to further research the matter for youAdditionally, you indicated that you attached a letter to your rebuttal dated March 18, 2017, stating that you have until p.mto correct an overdraft; however, this letter was not attached to your rebuttal on the Revdex.com’s websiteYou may also mail or fax this letter to me for further researchThank you for your patience while waiting for a responseIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Prior Response Letter