PROCORPSA

*** ** *** *** *** *** *** ** ***Date: July 22, 2015Account: ***Regarding Your Mortgage Loan PaymentDear *** ** ***:We received a copy
of your complaint submitted to the Revdex.com concerning your mortgage loan payment from July 16, Please be assured that Fifth Third 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 inconvenience or frustration the payment transfer issue may have caused youAdditionally, I regret the difficulties you experienced at our *** *** Banking CenterAt Fifth Third Bank, we strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI 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 researched the issue surrounding the payment transfer of $1,from your Established Checking account ending in *** to your Mortgage Loan ending in ***We apologize that the payment transaction duplicated when it was processed, as well as for our inability to retract the amount of $immediately due to system limitationsAccording to our records, a $reversal has been processed on July 17, 2015, and posted back to your checking account ending in *** on July 20, 2015.*** ***, I appreciate this opportunity to address your concerns and thank 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., ET.Sincerely,Sarah S.Office of the PresidentPc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. It will take days for it to be reflected on my credit report, and I would like to keep this open until I have seen the update
Regards,
*** *** ** ***

Hello: We believe we have addressed the customer’s concerns in our prior eight (8) responsesThey have provided no new information in their complaintWe will not be sending another written response, unless the customer can provide new details to their complaint. Thank
you, Jennifer Jennifer LC.Fifth Third Bank, Office of the PresidentKingsley Dr.Cincinnati, OH 45263MD 1MOCOP

*** *** *** *** *** *** *** ** *** Date: November 13, 2017 Regarding Your Mortgage Applications Dear *** ***: Thank you for your correspondence concerning your recent loan applicationWe received a copy of the complaint you filed with RevDex.com. Your loan application was submitted to Fifth Third Mortgage, which is an affiliate of Fifth Third BankThe Office of the President researches and responds to our customers concerns regarding Fifth Third MortgageWe strive to provide an exceptional experience to our customers and I am sorry we did not meet your expectationsPlease be assured customer feedback is reviewed by our executive management team as part of our ongoing commitment to improving our operations. As we have communicated to you previously, we have submitted the appropriate updates to the credit bureau agencies to remove the inquiries that were completed on August 15, 2017, and September 26, On October 11, 2017, we submitted a second (2nd) request to the credit bureau agencies to remove the August 15, 2017, inquiry as you stated it had not been removedUnfortunately, after submitting inquiry removal requests to the credit bureau agencies, we have no way to verify whether or not the credit bureau agency has processed the inquiry removalSince you are stating that both of the inquiries are still being reported by the credit bureau agencies, after we have already submitted requests to remove the inquiries, we have to request that you forward us a copy of the relevant portion of your credit report that reflects the inquiriesYou may forward this documentation to me at the address below: Fifth Third Bank Office of the President Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this documentation to my attention directly at ###-###-####Unfortunately, we cannot submit any additional updates until we have received this documentationWe apologize for any difficulty or concern this may have caused you. We believe that we have sufficiently addressed your concerns regarding the $application fee in our correspondence dated October 6, For your reference, my prior correspondence is attached. Any further correspondence from you regarding the application fee will be reviewed, but it will not necessarily be acknowledged unless there is new information that can be acted upon. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### We strive to provide professional and accurate service to our customers, and again I apologize for any inconvenience this may have caused youIf I could be of further assistance to you, please call me at 616-653-9156, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Brandy W.Office of the President Pc: Revdex.com Enclosure: Prior Correspondence

*** *** *** *** *** *** ** *** Date: July 20, 2017 Account: *** Regarding Your Request for a Debit Card Dear *** ***: We received a copy of the complaint you filed with the Revdex.comI also appreciated
the opportunity to speak with you. I understand your frustration related to the delay in receiving a new debit card and I am sorry for the inconvenience this matter caused youWe strive to provide quality service to our customers, and I apologize that we failed to meet your expectationsI see that you have successfully logged into your accounts onlineIn addition, you have received and activated your new debit card ending in 8945. Please be assured that Fifth Third Bank takes your feedback seriouslyYou are a valued customer and if 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, Alison S.Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me However, they are still avoiding the fact their website showed a balance of zero dollars owed...not centsI highly suggest they clarify the sight to reflect the daily interest accruement in a more transparent way for other consumers Thanks again for your time and patience with assisting me in this matter.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint "the merahant states that you were made aware of the $resort fee on two (2) occasionsThe resort fee was disclosed when you made your reservation with ***, and also during your telephone call with the merchant on September 1, The $charge included a $in resort fees, and $for a mirror missing from your roomThe Disputes Resolution Department considers this investigation closed "The above note from Fifth Third even states that I was only made aware of a $resort fee (which Ido not recall) and not the $Also, they charged me for a missing mirrorHad they have checked the room before we got in (which they even enclosed to us that they did NOT because they rushed to get it clean for us to use since it wasnt ready when we checked in) they might have seen the mirror missing then or if they had checked immediately after, they might have seen that everything was in tact after we left rather than waiting almost a week to charge me for itI did NOT steal anything and I was NOT made aware of any $dollar resort feeFurther more, it wasnt a resort! It was a hotelI would like my money backI will gladly let them keep $of it since they are stating that this was apparently disclosed to me but I refuse to pay for stolen property that someone else stole and I refuse to pay the $that was charged for an additional resort feeAlso, Fifth Third bank did NOT issue me a new card after the incidentThis whole this was handled improperly and I have been cheated and stole fromFirst from the hotel and now from Fifth Third.
Regards,
*** ***

*** *** * *** *** *** *** ** *** Date: April 8, 2016 Account: *** Regarding Your Checking Account Dear *** ***: We received a copy of the rebuttal filed with the Revdex.com regarding a recent overdraft on your checking accountWe appreciate the additional time you have taken to share your thoughts and concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this situation may have caused youHowever, we stand by our previous response letter sent to the above address on March 24, I have enclosed a copy of our previous written response for your reviewOur position on this matter has not changed. On January 13, 2016, the beginning day balance in your checking was $One (1) debit card transaction for $posted to your accountYour ending day balance was negative ($9.98)Since you did not have enough funds in your account to cover this transaction, your account was charged one (1) overdraft fee of $on the following dayIn the interest of customer service, the overdraft fee was waived on January 15, 2016, and your account was credited $25.00. On January 25, 2016, the beginning day balance in your checking was $One (1) debit card purchase in the amount of $posted to your accountYour ending day balance was negative ($5.05)Since you did not have enough funds in your account to cover this transaction, your account was charged one (1) overdraft fee of $on the following dayOn January 27, 2016, the beginning day balance in your checking was negative ($42.05)A deposit in the amount of $and two (2) debit card purchases totaling $posted to your accountYour ending day balance was negative ($197.83)Since you did not have enough funds in your account to cover the two (2) debit transactions that posted to the account, your account was charged two (2) overdraft fees of $each on the following dayHowever, on January 29, 2016, your account was credited $for a partial waiver of the overdraft fees chargedI have enclosed a copy of the related checking account statement and overdraft notices for your review. We offer several types of overdraft protection for your checking accountWe can connect a second account such as another checking account or savings account, or you can apply for a credit card or equity line, which can be connected to your checking account in order for funds to be automatically transferred in case of an overdraft situationWith Overdraft Protection, you are charged one (1) Overdraft Protection transfer fee of $instead of an overdraft fee of $per item for the first overdraft occurrence, or $per item for each additional occurrenceWe regret that we are unable to connect your Access 360 Card as overdraft protectionI am sorry of you were told otherwise. We appreciate the opportunity to review your concernsYou are a valued customer and we hope you will allow Fifth Third Bank service your financial needs in the futureIf I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto 6 p.m., EST. Sincerely, Lisa S.Office of the President Pc: Revdex.com Enclosure: Previous response letter, checking account statement, overdraft notices

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint Regards,*** *** Day late and buck short on your getting me the information on my account terms for the hardship program because it does not help a person when they recieve the details two months after they have been remover unknown to them

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint
It is helpful that the bank representative finally explained that "Escrow payments can only be processed for the collateral property." However, a few questions remain unansweredI think it may be more helpful in getting an appropriate response if I just ask them directly
At the time of the loan, I requested that the taxes for the property at *** *** *** *** be escrowedI was not told that this could not be doneWhy would that not be made clear to me at the time of the loan?
Why would Don Hook tell me to disregard tax notices concerning the property at *** *** *** *** once I had received them?
I have excellent creditI do not procrastinate, especially when it comes to paying billsThere is only one reason that my tax bill would be two years delinquent on this propertyIt is because I had every reason to believe that the bank was paying it
If Fifth Third Bank is not willing to answer the aforementioned questions, then there can be no satisfactory response
Regards,
*** ***

*** ** *** *** *** *** *** ** *** Date: February 4, 2016 Account: *** Regarding Your Checking Account Dear *** ** ***: We received a copy of the complaint filed with the Revdex.com concerning your Fifth
Third Bank checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, I would like to apologize for the level of customer service you have received. Please be assured that I have made the appropriate parties aware of your concernsWe strive to provide professional and accurate information to our customers in as timely a manner as possible and we sympathize with the difficulties you have encountered. We regret any frustration you have experienced regarding the dormant fees assessed to your checking accountOur records indicate that the last transaction made to your checking account was a withdrawal made on May 8, Therefore, in May 2014, your checking account became dormantIn the Rules and Regulations handbook, which you received at account opening, it is stated for a checking account to be considered dormant; the checking account must have no deposits or withdrawals for a period of twelve (12) monthsWhen your account first became dormant, we informed you of this account status change on your statement that ended on May 15, I have enclosed the related checking account statement for your review. Once an account is considered dormant, the account will be assessed a $fee every month until activity is resumed on the accountDormant accounts receive one (1) statement each year, which is mailed at the end of DecemberYou have several additional options to review your account activity, including via an ATM (Automated Teller Machine), after logging into our Internet Banking website at www.53.com, or by calling our Consumer Contact Center at ###-###-####, Monday through Friday, 7:a.mto 8:p.m., or Saturday, 8:a.mto 5:p.m. Once your complaint was received, we reviewed your account and in the interest of customer service, we waived three (3) dormant account feesOn February 2, 2016, your account was credited $You will see this amount credited to your account on your next checking account statement. Your checking account remains open and is no longer considered dormantYou will not receive additional dormant fees unless the account is again placed in a dormant status after having no withdrawals or deposits made on the account for a twelve (12) month period. Thank you for your patience while we researched this matter for youYou are a valued customer and we hope you will allow Fifth Third Bank to service your financial needs for many years to comeIf I may be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com Enclosures: Checking Account Statement and Rules and Regulations

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI will give the benefit of the doubt to Don Hand Fifth Third BankPerhaps I made a mistake or there was a misunderstanding along the wayIf Don Hdoes not recall our interactions on the matter, it will be tough to say for sureIn any case, I do not intend to pursue this any further
Regards,
*** ***

what was the point me getting a Secured ***??? I was told my credit would be better and higher if I use this product? my credit got ruined or better? so 1st open a Secured *** then use to for a few m/o then we the bank will send you a real unSecured ***was this a liE? do I have to go back to the bank and get another Secured *** and keep it for twice as long? how does the program work? I know if my *** would of closed properly and professionally and on time I would not be getting a denail letter! I also know if I have not had this *** dispute status I would have not been denail, 5/please send me a *** or I guess I will have to go to retail and get another secured *** and every time I use it I will tell the merchant 5/no GOOD :( this Secured *** does not help build Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. Regards,*** ***

changed my account without pemission and stole money from it? I want my money back credit to my checking acount

*** ** *** *** *** ** *** ** *** Date: April 6, 2017 Account: *** Regarding Your *** Credit Card Dear *** ** ***: We received a copy of the follow up letter you sent to the Revdex.com concerning your *** Credit CardWe appreciate the additional 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 or frustration this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI 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. In my previous response letter to you dated March 17, 2017, I explained that you accepted the Bank’s promotional offer for a *** Credit CardThe promotional offer you accepted stated that if you spent at least $in the first (1st) ninety (90) days from the date that the account was opened, you would receive a rewards bonus in the form of 15,Real Life Rewards Bonus Points, which can be redeemed by you for $cash back from the BankYour *** Credit Card was opened in our systems on November 24, Since you spent at least $with your *** Credit Card within the first (1st) ninety (90) days from the date that the account was opened, the rewards bonus was providedSince you redeemed your rewards bonus points for $cash back, on February 21, 2017, the Bank sent two (2) checks to you, one (1) check was for $50.00, and the other check was for $After the checks had been sent to you, you contacted the Bank and informed us that your address had changed and that the checks we sent should be sent to your new addressTherefore, the Bank placed a stop payment on each check that we had previously sent and issued a new check for $with check number *** on February 27, According to our records, check number *** was negotiated by you on March 7, Since you received your $check for your Real Life Rewards Bonus Points, a copy of which is enclosed, another check will not be sent. Since you requested that a new check for your Real Life Rewards Bonus Points redemption, the Bank acted appropriately in placing a stop payment on the checks that were previously sent to youBecause of this, and because the two (2) charges of $were not due to an error made by the Bank, you will need to contact you financial institution to be reimbursed for the two (2) $charges that were assessed by your financial institutionPlease be aware that it is our sincere desire to assist you in this matter; however, Fifth Third Bank cannot reimburse you for fees that were not assessed by Fifth Third BankPlease also be aware that, if your financial institution assessed the fees due to an error made by Fifth Third Bank, we would be able to reimburse you for the fees assessed by your financial institutionIf you provide your financial institution with a copy of this letter, they may be willing to reimburse you for the fees that they assessed. During our telephone conversation on March 30, 2017, you explained that your financial institution was not willing to refund you for the $in returned deposit item fees that they assessedTherefore, on April 3, 2017, we decided to reimburse you for the $in fees that your bank chargedEnclosed please find a $Fifth Third Bank Official Check payable to you for the $in fees that your bank assessedThis was also communicated to you during our telephone conversation on April 3, 2017. As was also communicated to you in my previous response letter dated March 17, 2017, when you spoke with the Bank about this matter previously, you were told that since we were unable to verify you, you were therefore instructed to visit a Fifth Third Banking CenterSince the Bank takes protecting the personal and confidential information of our customers very seriously, every customer that contacts the Bank must answer security questions to verify their identity before the Bank can release any informationSince our security questions could not be successfully answered, we were unable to assist you when you previously contacted the Bank regarding this matterAccess to your account information through the Bank’s website and through our automated telephone system has also been blocked since our security questions could not be successfully answeredThese blocks can be removed by you by calling the Bank at ###-###-####, option 4, Monday through Friday, a.mto p.m., ET. Our security questions are designed to protect the security of your personal and confidential informationThey are not intended to cause you any inconvenience. Please be aware that the reason your address has not been updated by our Rewards Center, is because of the block that is on the account as explained in this letterWhen you call the Bank to remove the block, and then log into the rewards site from our website at 53.com, your address will be updated with our Rewards Center. If 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, Adam P.Office of the President PC: Revdex.com Enclosure (1): Check

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint
Fifth Third,You wont have to worry about giving up your PMI insurance because I have already started a refinance on my property of which the appraiser actually does use the value of homes that have sold in my area, looks at the taxed value and what the insurance company says the replacement value isThe company doing the refi also doesn't charge bucks for the appraisal and seams to be very happy to give me a better rate along with no PMI and they are quite sure the values of the homes in my area have increased over the last 4-yearsIm sure my next big hurtle with Fifth Third will be to collect all the money they have collected in escrow from me for the taxes and insurance. I highly suggest Fifth Third thinks about there customer service A LOT because I will be letting anyone looking for a mortgage or refi to NOT do it with Fifth Third, I have called you and was told if I didn't like it to go find another loan (You win I did) Im sure my money wasn't any good anyway thats why you had to charge extraAnd Im sure since the payments have never been late is another reason to not work with meIt was however funny that after requesting to get rid of my PMI that you would send out a letter showing me how to reduce my payments by refinancing my existing loan with youThe thing was when I called them they wouldn't do it without the PMI either and thats when I was told AGAIN if I didn't like it I should go find a loan with someone else (again you win) I'll be leaving shortly and I wont have any PMI to pay, heck I also get lower interest and a shorter loan term.I hope your happy and you now wont have to worry about me missing a payment (oh thats right I haven't)To anyone reading this I highly suggest you look elsewhere for a mortgage because Fifth Third doesn't give a *** how good of a customer you are they will avoid working with you if it has anything to do with lowering your payment
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is somewhat satisfactory to me. The business has so much bureaucracy in place that simple operations like closing an account can take monthsThat is unacceptable
Regards,
*** ***

*** ** *** **. *** *** *** *** ** *** Date: November 14, 2017 Account: *** Regarding Your Checking Account Dear *** ** *** **.: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding
your checking accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Thank you for taking the time to speak with me on October 18, 2017, and November 9, 2017, regarding your concernsYou advised during our conversation that you received the $New Account Bonus and that you no longer needed us to look into that matterI confirmed that the $was credited to your checking account on October 17, 2017. With regard to your issues with online banking, we have a responsibility to protect you and the Bank from identity theft and fraudAs part of that initiative, Fifth Third Bank has several policies and procedures in place to monitor various activities and information associated with online banking via 53.comIf a login on 53.com or activity on 53.com exceeds our risk threshold, the activity or the login will be blockedWe are unable to discontinue this monitoring, and I am very sorry that it has caused you to be unable to access the websiteIn some cases, the activity will trigger our Fraud Department to block your ability to log into our website and access information via our automated phone system until you speak to the Fraud Department and verify your identityAs we discussed, we are unable to disable this fraud monitoring, and your future Online Banking and Mobile Banking activity could still be flagged our systems. As I explained, our Bank Protection Department is concerned that your Social Security Number (SSN) may have been exposed, which could be resulting in fraudulent attempts to log into your online banking using your SSN as the User IDYou confirmed that you do utilize your SSN as the User ID to access your accountsYou also advised that you do not want us to disconnect the SSN from being able to access your accountsYou may wish to contact the credit reporting agencies to place a block on your SSN. If you would like to contact the credit reporting agencies directly, their contact information is listed below: ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### Please note that logging into online banking from multiple devices and/or through a Virtual Private Network (VPN) can trigger the login or activity to be blockedWe recommend limiting the number of devices used to access online banking and not using a VPN to prevent the activity from triggering a block. Please be assured that as of November 10, 2017, there are no blocks on your Online Banking or Mobile BankingYou mentioned that when our system attempts to verify your activity by sending a code to your phone, your mobile phone number is not an option you can selectThe mobile phone number has not been on your profile long enough to be available as a selection for the One Time PasscodeThe phone number should be available by November 13, If it is not, please contact me directly using my phone number listed below. 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 H.Office of the President Pc: Revdex.com

*** *** ** ** *** *** *** *** *** ** *** Date: January 15, 2016 Account: *** Account: *** Regarding Your Business Debit *** and Business Checking Accounts Dear *** ***: We received a copy of your complaint recently filed with both the Consumer Financial Protection Bureau and the Revdex.com, concerning your disputed transactions with ***-***We appreciate the time you have taken to document your thoughts and concerns regarding this matterPlease be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to respond to your concerns. *** ***, in all, we have received six (6) Revdex.com (Revdex.com) complaints from you referencing the company known as ***-***; the first four (4) complaints referenced a charge for $1,that posted to your account on April 15, On December 29, 2015, we responded to your fifth (5th) Revdex.com complaint ID #*** that was filed on December 9, 2015, regarding multiple charges with ***-***In our response we mistakenly responded with information pertaining to the disputed transaction for $1,from April 15, On behalf of the Bank, I would like to personally apologize for providing you with inaccurate information and for any inconvenience this matter may have caused youIt was certainly not my intention to cause you any hardshipPlease be assured that Fifth Third takes your dispute claims seriously and I have contacted the relevant parties in our Disputes department to pass along your concerns. With the information you provided in your *** package, our disputes department has filed two (2) claims for a total of thirty one (31) disputed transactions, totaling $6,The transactions occurred between May 4, 2015, and October 13, 2015, with the ***-*** companyTwo claims had to be filed because the transactions posted on two (2) different checking accountsAll the transactions you indicated in your paperwork have been disputed within those two (2) claims. As I stated in my prior responses, you are disputing transactions with the company known as ***-***, with whom you did sign up and provided with your account informationFor that reason, they are considered merchandise base disputes and not fraudAlthough not covered by Regulation E, Fifth Third Bank makes every effort to assist our cardholders in resolving these merchant disputes by working directly with the merchantsOur policy to assist our cardholders with these types of disputes is a completion time of up to days from the date the claim is filed, which would be December 1, 2015, in this caseShould their research support your dispute, final credit will be issued to your accountHowever, if their research does not support your dispute, they will notify you by mailIf you have any questions or additional concerns while our Dispute Department conducts their investigation, please contact them at ###-###-####, Monday through Friday, a.mto p.m., Saturday, 8:a.mto p.m., ET. *** ***, 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, Jennifer C. Office of the President Pc: Consumer Financial Protection Bureau, Revdex.com

They did not remove the hard inquiry from my credit report which is the reason why this complaint is not completedI would like them to remove the hard inquiry that I did not authorize