Wells Fargo Advisors

[redacted] submitted the response to the Revdex.comClosing UW case

April 24, [redacted] *San Francisco, CA 94133-4129Subject: Closure of your accounts ending in [redacted] (checking) and [redacted] (savings)Dear [redacted] J [redacted] :We appreciate the opportunity to respond to your most recent rebuttal filed with the BetterBusiness Bureau.We apologize that we did not meet your service expectations during prior contactsWeunderstand that you are seeking assistance in providing explanations to merchants or creditorsthat may have been impacted while your accounts were in the process of closingWe haveenclosed a merchant letter for you to forward, at your discretion, to any impacted merchants.As we mentioned in our previous response dated May 13, 2016, in April of 2016, the bank made abusiness decision to freeze your accounts for the purpose of closure (copy enclosed)Whenaccounts are frozen for closure, all monetary transactions are blockedAny remaining funds inan account are typically frozen for enough time to pass to allow all account activity to settlebefore we can release fundsFunds are not held to allow additional payments to be made fromthe accounts.Regarding the release of your remaining funds, our records indicate that you made an in branchwithdrawal of $2,from your checking account on April 18, An ATM/Debit Cardprovisional credit for $was credited to your checking account on April 27, 2016.Therefore, the closure of this account was delayed until June 30, The savings account wasclosed on April 29, 2016, and a cashier’s check for $was mailed to you on that dateOnMay 3, 2016, an in branch withdrawal was made for $1,from your checking accountAcashier’s check for the remaining balance in the checking account was mailed to you on June 30,for the amount of $192.49.While we realize the information provided may not alleviate the frustrations you experienced, wehope this letter serves to clarify Wells Fargo’s actions with regard to your matterIf you haveany additional questions, please call us at [redacted] , Monday through Friday from 5:00a.mto 6:p.m., Pacific TimeThank you.Sincerely, [redacted] Department ManagerResearch & Correspondence

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: They have violated my rights under the FDCPA and FCRAAs they clearly state in their response I disputed the matter over a year ago and per the response the debt was placed on my credit only days after they claim to have sent the debt conformation without conducting any investigation at the time which is to be done within days of the dispute not a over a year later and without giving me time to review the investigation decision as is outlined in the FDCPA and the FCRAAs such I am not responsible for this debt and would like it removed per the FCRA and FDCPA guidelines as is my right Regards, [redacted] ***

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 Sincerely, [redacted]

Dear [redacted] L [redacted] :I am writing to acknowledge receipt of the complaint you filed with the Revdex.com On behalf of Wells Fargo Advisors ("WFA") and Financial Advisor [redacted] ***, I have Denied your claims of wrongdoing many times Please refer to prior correspondence detailing WFA's response as I will not be reiterating the details in this correspondence With regard to your claim for reimbursement of fees and other damages claimed in your complaint to the Revdex.com, WFA will not be offering to settle your claim for any amount of remuneration If you have any questions, please contact me at [redacted] , Monday - Friday, 8:00am to 5:00pm Mountain Time Thank youSincerely, [redacted] Case Manager Complaint Resolutions Group

We will contact the customer to address the dispute

Dear Mr [redacted] :I am writing in response to concerns you expressed to the Revdex.com on October 24, 2016, in regards to the delay in processing the request to liquidate assets and transfer funds from the above listed account We appreciate your willingness to take the time to express your concerns First and foremost, I sincerely apologize for any frustration or inconvenience this matter may have caused I have verified that the account has been liquidated and a check, in the amount of $was issued on November 16, Also, the $Annual Account Fee was reimbursed on November 14, and is part of the total amount of the issued check Based on my research it appears that there was missing information on the Associated Persons form and there were several attempts made to contact you to make the changes Thank you for taking the time to provide your feedback as it is invaluable in assessing our service levels and for identifying areas where we can initiate improvements If I may be of further assistance, please feel free to contact me directly at [redacted] , Monday- Friday, 7:30am to 4:00pm Central Time Sincerely, [redacted] Compliance ConsultantCompliance DepartmentCopy to [redacted] , WFA Business Leader

The Rental Report sent to our client, [redacted] , listed two eviction filing These are permanent court records not able to be removed Case [redacted] resulted in possession 08-28-regarding [redacted] and eviction case [redacted] was dismissed 03-08-for *** [redacted] *** We do not show a eviction only the and A copy of the Rental Report is attached

This is a carpet replacement chargeOur client is investigating this further and we will respond within business days

We spoke with [redacted] 02/22/he told us he was not working but [redacted] just started new job and both planning on paying the bill The $payment was authorized on a credit card by [redacted] not [redacted] Our client, [redacted] , has reviewed the rental file and found no one party release form regarding this address and both Ms [redacted] and Mr [redacted] were turned over for collection Unless she can provide a One Party Release form signed by both she and [redacted] with manager’s authorization, [redacted] account will remain listed as an open account A copy of the lease has been attached

Please see attached response

FABCO received a collection from our client, [redacted] ***, against [redacted] in the amount of $1, Below is a chronological list of all activity on his account file # [redacted] : 01/27/ Account entered and initial demand letter received 03/16/ Our representative called [redacted] ***, debtor, he dispute all except one broken door Representative offered to send itemization so he could reply with dispute letter and pictures03/16/ Account placed in dispute status 03/18/ A breakdown was sent to debtor printed from our system.03/21/ Account reported to [redacted] with dispute status.07/12/ Debtor called in claiming we never contacted him and didn’t send validation he requested Said wanted validation.07/12/ Received debtors Revdex.com complaint.07/13/ Requested [redacted] delete the trade line.07/17/ Received letter of dispute with request for validation.We are currently researching [redacted] dispute and will provide validation once we have concluded our investigation His account was reported to [redacted] 03/21/and verified 04/& 07/and a request to delete the trade line has been sent to [redacted] until we send validation We have listened to the recorded telephone conversations with [redacted] and none of our employees displayed unprofessional behavior and terminated the call due to [redacted] inappropriate language and demeanor toward our employees Regarding the 03/16/phone conversation [redacted] never asked for validation; it was our representative who offered to send a breakdown so he could submit a dispute letter in

ARC submitted the response to the Revdex.comClosing UW case

Please see the attached bank response

Dear [redacted] :We are responding to concerns you expressed in your letter to the Revdex.com, regarding the status of the distribution for the above referenced client's account We apologize for any inconvenience this matter may have caused We would like to address your concerns; however, we do not have authorization on file to allow us to respond to you regarding this matter Please be advised that this matter has been addressed with the appropriate authorized parties If you have additional questions or concerns, I can be reached directly at [redacted] , Monday through Friday, 8:00a.mto 4:p.mCentral TimeThank you.Sincerely, Michelle PattilloCompliance Consultant Compliance Department

We have received the invoices for both the carpet in the unit at the time you and your wife lived there, and the carpet replaced after you moved out, as well as pictures of the inspectionThe carpet was days old when you moved-inWe are mailing a letter with all documentation enclosed tomorrow You should receive it by FridayIf you don't receive it, please call me at ###-###-#### and I'll mail it to you again[redacted] FABCO

January 11, [redacted] **Los Angeles CA ***Subject: Revdex.com case [redacted] Dear [redacted] :We want to let you know that the Revdex.com (Revdex.com) recently forwarded yourcomments as detailed in your complaint to Wells Fargo for review and a responseWeappreciate the opportunity to address your concerns.Our records indicate your account last received two direct deposits for $and $339.70on December 30, 2016, and January 3, If you are attempting to locate another directdeposit from Social Security Benefits, please contact their office direct to make certain theyhave your correct account informationYour 9-digit routing number is [redacted] for directdepositsPlease also make certain you provide your complete checking account numberending in ***Unfortunately, we are unable to provide a replacement check for your directdepositYou may wish to contact your Social Security Administration to file a claimregarding this matter.If you have any questions, please call Wells Fargo Phone BankSM at [redacted] ( [redacted] )Phone Bankers are available to assist you hours a day, days a week.Sincerely, [redacted] Senior Correspondence Specialist

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 Sincerely, [redacted] ***

: Please see attached bank response; enclosures have been forward to the customer

On January 16, Technician [redacted] came to my home in search of termites for a realty transaction, found no proof of any around home found one live and two dead at base of deck post after digging inches or so deep and feet away from home, instead of spot treatment had to treat entire homeThen to top it off he flagged down neighbors and told them I had a massive infestation of termites and said he would check their home .They declined and contacted me to see if it was true I said no it was not true !! Not only did he lie about an infestation but was unethical tooI am appalled he is allowed to get away with this and wonder how many others he has done this to??????