PROCORPSA

[redacted] Date: December 19, 2016 Account: [redacted] Regarding Your [redacted] Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

[redacted] account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. I confirmed that you spoke to a representative in our Customer Service Department on August 3, 2016, regarding the $35.00 payment that was due by July 2, 2016. We did not receive the payment until July 6, 2016; therefore, a $25.00 late payment fee was assessed on July 5, 2016. The representative you spoke to advised he would waive the fee. I am very sorry that the fee was not waived. Please be assured that I have contacted the relevant Bank personnel regarding this situation. I am sorry for the frustration this issue has caused you. We waived the $25.00 late fee assessed on July 5, 2016, as well as the $26.00 late fee assessed on September 2, 2016, and finance charges totaling $2.89. The account is now overpaid by $53.89. If you would like us to send a check to you for the $53.89, please contact me directly using my phone number listed below so that I can verify the address and issue the refund. 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: Statements

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] Date: March 13, 2017 Account: [redacted] Regarding Your [redacted] Prepaid Debit Card Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your [redacted] Prepaid...

Debit Card. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the level of service you received when you contacted our Customer Service Department regarding this matter. We strive to provide professional and accurate service to our customer and we regret if this has not been your experience. 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. Your [redacted] card was closed per your request on December 21, 2015. After the account was closed, [redacted] processed a $50.00 refund for returned merchandise on February 14, 2017. Since the [redacted] card was the card used for the original purchase, [redacted] issued the refund to the card. Since the card was closed when the refund was issued, the Bank had to issue you a check for the merchant refund. After a refund from a merchant to a closed [redacted] card is received and processed by the Bank, the refund check to the customer is typically sent within one (1) to two (2) weeks from the date that the refund for the returned merchandise is received and processed by the Bank. Please accept my sincere apologies that, in your case, this process took longer than usual. Your refund check of $50.00 was sent to the above address on March 8, 2017. If you do not receive the check that we sent within two (2) weeks from March 8, 2017, please contact me directly at the telephone number contained in this letter so I can ensure that a new check is sent. 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

[redacted] Date: July 15, 2016 Account: [redacted] Regarding Your Vehicle Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your vehicle 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 researched this matter thoroughly 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. The State of [redacted] is an Electronic Lien and Title State. This means that when a borrower satisfies their loan obligation to the Bank, the Bank will release the lien electronically to the [redacted] Department of Motor Vehicles (DMV). Once the DMV receives the lien release, they will remove Fifth Third Bank’s lien from the title record and mail a lien-free paper title to the registered owner’s address listed on the current vehicle registration. On April 25, 2016, your vehicle loan ending in [redacted] was closed as paid in full. On May 3, 2016, we sent the lien release electronically to the [redacted] DMV. I have enclosed a copy of the notice we sent to the mailing address on file to inform you of the lien release. In order to obtain your title, you will need to work with the DMV directly. Unfortunately, since Fifth Third Bank released the lien electronically per our standard process, we are unable to provide you with any compensation for the cost of obtaining your title. Thank you for your patience while waiting for a response. It was certainly not our intention to cause you any hardship. 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 Enclosures: Lien release notification letter

[redacted] Date: March 20, 2018 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your checking account....

We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer 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 [redacted]. I have enclosed the details of the promotional offer, which explain all of the requirements necessary to receive the $200.00 bonus. These details were available as part of the digital advertisement as well. As indicated on the enclosure, in order to receive the $200.00 credit, the following requirements must be met: ** A new Essential Checking account must be opened between September 28, 2017, and December 31, 2017. ** Deposit(s) totaling $500.00 or more must be received within forty-five (45) days of account opening. ** A minimum balance of $500.00 must be maintained for sixty (60) days. Once these requirements were met, the bonus would be automatically credited to the account within 10 business days. However, if these requirements are not met, the account would not receive the bonus. I have enclosed the statements for your account ending in [redacted], which shows the daily balances for your account. As the maintaining a $500.00 minimum balance for sixty (60) days requirement was not met, your account is not eligible to receive the $200.00 bonus credit. We regret any difficulty this may cause you. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Office of the President Pc: Revdex.com Enclosures: Essential Checking Offer Details, Statements

It will be in my Finace's name.  [redacted].  [redacted]  ###-###-####

[redacted]. [redacted] Date: May 26, 2017 Regarding Your Mother’s Fifth Third Bank Account Dear [redacted]: We received a copy of the follow-up complaint you filed with the Revdex.com. 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 your concerns on to the relevant parties within the Bank. After reviewing the documentation you provided and contacting the attorney for your mother’s estate, we have decided to issue a check for the proceeds in the account minus the amount your aunt received when the account was closed. A check for $151.00 payable to [redacted] as Executrix of the Estate of [redacted] has been sent separately. It is our hope that this provides a positive resolution to your concerns. 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, Alison S. 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.   To assist us in bringing this matter to a close, we would like to know your view on the matter.       * Has the company addressed the issues of this dispute?   No.      * If not, why?  - They are disputing my contact to their company on requesting a re review of my escrow last July 2015, though they will not provide the voicemail logger. Why not? I called Fifth Third and requested a review of my escrow account. Where is their accountability. I am owed Escrow of $150 per month plus interest for their lack of response to my phone call. They also have NOT provided me proof to receipt of my check on 4 dates to prove how long they were in receipt of the check that caused the “31st day delinquency” exactly on the 31st day. This is unacceptable.     * Has the company met the agreement they outlined in their response? No they have not. I will be submitting a copy of this email as well to the [redacted] State Department of Financial Services. No this matter can not be closed. They are claiming phone calls did not happen while refusing to provide proof they did not. These people are thieves and I will go as high up the ranks that I need to go with this issue. This is criminal, Please keep this open and there will be a formal response to this [redacted] 11, 2016 pathetic excuse for a response. This response is nothing more then to ignore the issues at hand.
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: February 29, 2016 Regarding Your Inquiry Removal Request Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your inquiry removal...

request. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, I apologize for any difficulties or concern this situation may have caused you. However, we stand by our previous correspondence dated December 2, 2015. Our position on this matter has not changed. You previously advised the Bank that the inquiry we processed on May 7, 2014, was unauthorized. However, our research determined that you submitted an application for a vehicle installment loan at the [redacted] dealership in [redacted], [redacted]. The dealership submitted your application to Fifth Third Bank, which we denied. Please note that it is a typical dealership practice to submit an applicant’s application for credit to multiple lending institutions at the same time. For your reference, I have enclosed a copy of our previous correspondence. If the application was submitted in error by the dealership, they will need to provide us with a letter documenting their error. The dealership representative can send the requested letter to the following address: Fifth Third Bank Office of the President Attn: Shawna T. 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, this signed documentation can be faxed to my attention at: ###-###-####. If you would like to contact the credit bureaus directly, the contact information can be found below: Equifax ###-###-#### Experian ###-###-#### TransUnion ###-###-#### Innovis ###-###-#### If the application was submitted to the dealership in your name fraudulently, please contact your local law enforcement. They are able to assist you with completing the necessary documents for any fraud that may have occurred. If you have already filed a police report and have a copy of it, please fax a copy to us and we will have the inquiry removed. As of February 26, 2016, we have not received a letter from the dealership stating the application was submitted in error, nor have we received a copy of a filed police report regarding a fraudulent application. In your correspondence to the Revdex.com, you stated that Fifth Third Bank completed an inquiry into your credit report for a mortgage loan. We completed a thorough review of our systems and determined that we have never processed a mortgage loan application in your name and we have not submitted an inquiry into your credit report for a mortgage loan. We also verified that we have not completed any inquiries into your credit report other than the May 7, 2014, inquiry. If you have a copy of your credit report that shows an additional inquiry by Fifth Third Bank, please send the documentation to the Bank using the information provided above. I would be happy to further research your concerns. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna T. Office of the President Pc: Revdex.com Enclosure: Previous Correspondence

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. 
Although I received a 360 card on the 21st I drove 3 hrs to get it and I also sent a copy of the utilities shut off dated 8 20 as requested. No there is not a decline from the utility company because I use foreign atms withdraw money and pay cash which your agent actions prohibited me from doing so so you are directly responsible because I had no access to my funds.
Regards,
[redacted]

[redacted] [redacted] Attn: [redacted] [redacted] [redacted] [redacted] Date: November 16, 2017 Account: [redacted] Regarding Your Recent Experience Dear [redacted]: We received a copy of the complaint you recently...

filed with the Revdex.com (Revdex.com) regarding your recent experience with Fifth Third Bank and [redacted] We appreciate the time you have taken to express your concerns regarding this matter. Please know, our records do not indicate that you are listed on the [redacted] Merchant Services Account associated with this matter; because of this, a separate acknowledgement of this matter has been sent to [redacted] [redacted]. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. Please be assured we have partnered with [redacted] to review the issues you have brought to our attention surrounding the [redacted] Merchant Processing Agreement that was in place associated with your Regular Business Checking account ending in [redacted]. Regarding your request to be reimbursed for the fax you sent to the Bank on September 29, 2017, we have enclosed a check in the amount of $68.00. I hope this meets with your satisfaction. At Fifth Third Bank we strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations with the interactions you had during our partnership to service your accounts with [redacted] 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. [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[redacted] Office of the President Pc: Revdex.com Enclosure: Reimbursement Check

The final response to the customer's rebuttal is below. We will be sending the attached documents along with the Rules and Regulations, and the transaction register in the mail with our response. [redacted] [redacted] 
[redacted] Date: February 21, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the rebuttal complaint you submitted to the Revdex.com regarding your checking account. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. However, we stand by the response conveyed to you in our previous letter dated January 27, 2017. I have enclosed a copy of that letter for your review. Our position on this matter has not changed. As we explained in our prior response, non-timed stamped transactions are collected during overnight processing. They will not show as pending or be visible to you until the following business day. These transactions are authorized by you. If you do not have sufficient funds to cover these transactions you may request Fifth Third Bank to place a stop payment to avoid an overdraft. A stop payment is assessed a $33.00 fee. Alternatively, you may contact the payee and cancel the transaction. I have enclosed a copy of our current Rules and Regulations for your convenience. Please refer to page eleven (11) for more information on how we process transactions. Your most recent overdraft occurred on February 9, 2017. On that day, the beginning balance in your checking account was $5.54. Two (2) web initiated payments totaling $11.28 posted to your account. As explained above, the items were posted to your account when they were received by the merchants during overnight processing. Your account had a negative ending balance of ($5.74). Due to insufficient funds, two (2) overdraft fees totaling $74.00 were assessed and posted to your account the following business day. On February 10, 2017, your account had a negative beginning balance of ($5.74). Two (2) web initiated payments totaling $19.99 posted to your account, as well as the $74.00 in overdraft fees assessed for the previous business day. Again, the items were posted to your account when they were received by the merchants during overnight processing. Your account had a negative ending balance of ($99.73). Due to insufficient funds, two (2) overdraft fees totaling $74.00 were assessed and posted to your account the following business day. I have enclosed copies of the overdraft notices we sent to you on February 10, 2017, and February 13, 2017, for your review. As of February 16, 2017, your account has a negative available balance of ($173.73). I urge you to visit a Fifth Third Bank banking center as soon as possible to deposit funds to bring your account to a positive balance. It was certainly not our intention to cause you any hardship. However, we are unable to waive any additional overdraft fees due to bank policy. You may also want to consider using a transaction register to help keep track of the items that are going in and out of your account. Many customers find this beneficial because it helps to avoid overdrawing your account. For your convenience, I have enclosed a transaction register, but please know that transaction registers are free at any Fifth Third Bank banking center. Thank you for your patience while we further researched this matter for you. We value your business, and we look forward to continuing our banking relationship with you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Previous response letter, Rules and Regulations, Overdraft notices, Transaction register

[redacted] [redacted] [redacted] Date: March 23, 2018 Account: [redacted] Regarding Your [redacted] Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com (Revdex.com) regarding the Balance Transfer...

you recently initiated on your [redacted] account ending in [redacted]. Fifth Third Bank takes your feedback seriously, and we appreciate the time you have taken to communicate your thoughts and concerns with the Bank. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured that we have reviewed the [redacted] Balance Transfer in the amount of $7,275.00 that posted to your [redacted] account ending in [redacted] on January 2, 2018 without the intended promotional offer. Our research has determined that the promotional offer for 0% interest to be charged on a Balance Transfer until your cycle date in May 2019 expired on December 30, 2017. As the Balance Transfer in question did not post within this campaign period, the promotion was not applied. We deeply regret the frustration this caused, but were pleased to confirm that the Balance Transfer was able to be backdated to the date you initiated the transaction in the interest of customer service. As we discussed, in addition to the $12.59 in interest that was waived on February 22, 2018, two additional interest charges were waived in the amounts of $115.61 and $128.97 on March 15, 2018. Also on March 15, 2018, an adjustment was made in the amount of $72.75 to the Balance Transfer Fee you had paid. You will also receive your monthly [redacted] [redacted] account statement that will reflect this information when it is sent after your account’s cycle date. Additionally, your comments expressing less than quality service you received when attempting to correct this matter are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. Please be assured that due to the concerns you shared with the Bank this issue was escalated to Fifth Third Bank’s Office of the President. We are the support staff that handle escalated issues brought to the attention of the Bank’s senior and executive management teams. Our purpose is to make sure your complaints and concerns are consistently reviewed, researched, and brought to resolution. I hope this correspondence has helped you feel more comfortable in knowing your voice is heard within the Bank. [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 Pc: Revdex.com

[redacted] [redacted]Date: September 30, 2015Account:  [redacted]Regarding Your Checking Account Dear [redacted] [redacted]: We received a copy of the complaint you filed with the Revdex.com dated September 21, 2015, concerning the Early Access Feature...

(EAX) on your checking account.  We appreciate the time you have taken to express your thoughts and concerns regarding this matter.Our goal is to provide professional and accurate service to our customers and I am sorry if that has not been your experience.  Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers.  Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns.Our records indicate that you enrolled for the Early Access line of credit via the internet on July 29, 2011.  At that time, we provided and you agreed to a copy of the Early Access Terms, and Conditions, which advise the Early Access account, may be closed if the associated checking account is in a current bankruptcy proceeding.  Unfortunately, when you filed bankruptcy on September 9, 2015, it caused the Bank to close out your Early Access account.  I have enclosed a copy of the Terms and Conditions for your reference.  Page 3 provides additional information regarding customers who are eligible for the Early Access line of credit product.Please be assured that it was not our intention to cause you any undue hardship.  We empathize with the financial difficulties you are experiencing at this time.You have been a valued customer since 1986 and we sincerely hope that you will continue using Fifth Third Bank for your future financial needs.  On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter 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,Carolyn G.Office of the President Pc: Revdex.com

[redacted],Can you reach out to the customer and get a previous address as well as determine if it’s under a different name?  I’m unable to locate the customer with the info provided.

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.

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]
   As soon as the Fifth Third started applying the $44.00 payment the payment was being sent to Fifth Third and to the wrong account, an accident Fifth Third Recognized and applied it to the account that they forwarded all the statements to you and me...How did they know what account it was intended for and why did they not tell [redacted] or myself that the check was going to the wrong account but was applied to the correct account. Was Fifth Third not aware who [redacted] was and why checks are sent by them? Fifth Third new it was the wrong account # and rejected another proposal on December 14th 2015 by [redacted]... Meanwhile my credit is damaged and more interest and penalties have been applied to my account because of a mistake of account numbers that Fifth Third new was a mistake. As a business owner I know if I knowingly took advantage of a customers mistake I would be in trouble with the law, but I am not a bank.  Please contact me with any further questions and thank you for your time. [redacted]

[redacted] Date: February 11, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com regarding your recent ATM (Automated Teller Machine) deposit. We appreciate the additional time you have taken to express your concerns regarding this matter. According to your initial complaint, you were using the ATM located at our Fort Branch Banking Center and attempted to make a cash deposit for $100.00 to your checking account. While the ATM was processing your deposit, the machine went down and retained your card and the deposit. Our Disputes Department was contacted and case # [redacted] was opened to fully research your claims. Our research determined that the ATM was not in balance and was over $2.00. Therefore, on January 15, 2015, your checking account was credited $2.00 and our investigation was closed. However, in the interest of customer service, the decision was made to credit your account $98.00. On February 3, 2016, a credit in the amount of $98.00 posted to your checking account to provide the full credit for your original ATM deposit. You will see this deposit on your next checking account statement. I hope you are satisfied with this resolution. We appreciate your patience while we reviewed your additional concerns. You are a valued customer and we appreciate the opportunity to review this matter. If I may be of further assistance to you, please call me at 513-358-2980 or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com

[redacted] Date: July 26, 2017 Account: [redacted] Regarding Your Identity Alert Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Identity Alert account. 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 have experienced with the Identity Alert offer that was mailed to you. It was certainly not our intention to cause you any hardship. 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. In order for you to take advantage of the offer of one (1) free year of Identity Alert, your current Identity Alert membership ending in [redacted] would need to be closed as we are not able to apply the discount to your current membership. I apologize for any inconvenience this may cause you. As we discussed during our telephone call, I have closed your Identity Alert account ending in [redacted] on July 21, 2017. You may re-enroll in our Identity Alert service on July 24, 2017, by following the instructions in your letter or by visiting a local banking center with your letter for assistance. If you or the banker have any questions regarding your offer, please contact me at the telephone provided below and I would be happy to assist you. Thank you for your patience while waiting for a response. We truly value your business, and we look forward to continuing our banking relationship with you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Office of the President

[redacted] Date: May 26, 2017 Account: [redacted] Regarding Your Transaction Disputes Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

your transaction disputes. 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 researched this matter thoroughly and passed on your concerns to the relevant parties in 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. Our records show that our Disputes Resolution Department opened case number [redacted] to investigate your dispute of transactions totaling $12,498.55 that posted to your credit card ending in [redacted] from September 2014 to November 2014. On December 17, 2014, we posted provisional credits totaling $12,500.35 to your replacement card ending in [redacted] which included the disputed transactions as well as an international transaction fee of $1.80. During our investigation we obtained documentation from the merchants showing that the transactions in dispute were valid. We provided the merchant documentation to you and requested additional documentation from you to support your claim that the transactions were fraudulent. However, you did not provide the requested documentation, and based on the information and documentation gathered during the investigation, we denied your dispute. On February 6, 2015, we reversed provisional credits totaling $3,851.10, and on February 17, 2015, we reversed the remaining provisional credits totaling $8,647.45. Per Federal Regulations, if you believe there is an error on your statement, you have sixty (60) days from the date the error first appeared on your statement to contact the Bank in writing to notify us of the error. When you disputed the transactions in December 2014, you were within the sixty (60) day timeframe. However, because we denied your dispute and it is far beyond the sixty (60) day timeframe, you no longer have dispute rights for these transactions and are wholly liable for repaying the debt. The balance on your account owed after all of the temporary credits were reversed was $13,280.77. However, you did not make any payments, so your account was charged off with balance of $14,465.47 on July 31, 2015. I have enclosed copies of your statements from October 2014 through August 2015 for your review. The full debt is now due in full. Please contact our Recovery Department at ###-###-#### to make suitable payment arrangements. They are available Monday through Friday, 8 a.m. to 5 p.m., ET. Please be aware that if you fail to make suitable payment arrangements we may take further collection actions such as referring your account to an outside collection agency or to an attorney to initiate legal action against you. In regards to the information submitted to the credit reporting agencies for your account, we determined that information is correct since you are liable for the debt. The account is reporting as charged off. We are required to report accurate information to the credit reporting agencies and will therefore not make any changes to the reporting. If you would like to contact the credit reporting agencies directly, they can be reached at the numbers listed below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### Thank you for your patience while we conducted our research. 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 Enclosures: Merchant Documentation