PROCORPSA

[redacted]Date:        June
1, 2015Account: [redacted]Regarding Your Equity FlexLine AccountDear [redacted]:We received a copy of the complaints you sent to the RevDex.com and the Consumer FinancialProtection...

Bureau regarding your Equity
FlexLine. We appreciate the time you have taken to document your thoughts and
concerns regarding this matter, and we sympathize with the difficulties you
have experienced.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 researched this
matter thoroughly, and passed on your concern 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.We completed our review of the Equity FlexLine account ending in [redacted]. On May 22, 2015, a payoff was
provided to you in the amount of $1.49. Please be advised a payoff is only
valid for the same day it is given. On Saturday, May 23, 2015, we received your
payment in the amount of $1.49. The payoff quote provided to you that day was
$51.49 because of the annual fee that was assessed to the account on the same
business day, Monday, May 25, 2015. I am sorry for any misinformation you may
have received.It was certainly not
our intention to cause you any frustration. Because you are requesting to close
the Equity FlexLine we are able to waive the annual charge as a courtesy to
you. If you would like to close your FlexLine account, please send a signed
written request to the following address:Fifth Third BankOffice of the President Attn: [redacted]Alternatively, you may fax this request to my attention at
###-###-####. Once I receive the signed request, I will forward the document to
the appropriate department for processing.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 ###-###-####.[redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.comConsumer Financial Protection Bureau

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] is representing Fifth Third who says I owe them money. My checks were made out to the electric company and the water company neither of which were paid. So I do not owe Firth Third or [redacted] any money.
I put my checks in the mail at the post office on 11/22 as of December 28, neither check had reach it's destination. Fifth Third and [redacted] need to go after the person that own the account they gave the money to.
Fifth Third and [redacted] are bouncing me around. Per the message, which I kept, Ms. H. is saying that [redacted] is the one trying to collect. Per the mail, which I kept, [redacted] is saying they are collecting on behalf of Fifth Third. What did they do with the money? they need to stop stealing and trying to get someone to pay it back. I owe them nothing. They did not give me any money.
I want my name cleared, my credit cleared with all three credit bureaus, and any infractions with any companies that they have created and I want it in writing.
Thanks

[redacted] [redacted] [redacted] Date: August 4, 2016 Account: [redacted] Regarding Your Access 360 Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

Access 360 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. On April 4, 2016, [redacted], our third-party vendor that services our Access 360 accounts, blocked your Access 360 account due to the number of disputes you have filed on the card. There was a $337.75 balance on the account at that time. On April 12, 2016, we sent a $337.75 cashier’s check to you, which was cashed on April 18, 2016. A copy of the cashed check is enclosed for your reference. After reviewing your account, we confirmed that an additional deposit of $40.90 was processed to the account. Please be assured that we have issued an additional check for $40.90 to your address listed above on August 3, 2016. If you do not receive the check by August 18, 2016, 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 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: Check Image

[redacted] [redacted] [redacted] Date: March 14, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, regarding the cancelled debit card...

authorizations on your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience this situation may have caused you. Please be assured that I have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. On February 5, 2016, two (2) debit card purchases for $408.07 and $171.47 were processed by the merchant [redacted] at 7:41 p.m., ET. Three (3) additional transactions for $40.80 were attempted by the same merchant within the next few minutes. However, those purchases were declined and did not go through. Due to this activity, our Fraud Department placed a block on your debit card and requested that you contact the Bank regarding your account. While speaking with our Fraud Department, you confirmed that the merchant had entered an incorrect amount for the purchase and correct amount should have been $40.80. In addition, the merchant cancelled the previous authorizations for $408.07 and $171.47via their terminal. As a result, the block was removed from your debit card and the merchant was able to process the purchase for the correct amount of $40.80 at that time. On February 6, 2016, you spoke with a Customer Service Representative regarding the cancelled debit card transactions noted above and online bill payments that were scheduled to be debited from your checking account on February 8, 2016. The Customer Service Representative correctly informed you that it may take three (3) to five (5) business days for the funds from the cancelled transactions to reflect as available in your account. The Customer Service Representative suggested that the merchant contact their card processing company in order to expedite the release process. Unfortunately, an alternative which involved the merchant contacting the Bank with the authorization codes for the cancelled transactions was not offered. We are sorry that you were not provided with this option when you spoke with the representative. It should be noted that no overdraft fees were assessed and no posted transactions were returned unpaid on February 8, 2016. I understand your frustration when this situation occurred and we appreciate your patience while we researched this matter. [redacted], please be assured that it was not our intention to cause you any hardship or frustration. Thank you for your feedback as it assists us in identifying opportunities to improve our systems and the level of service we provide to our customers. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at [redacted] [redacted] Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S. Office of the President Pc: Revdex.com

[redacted] Date: August 29, 2017 Account: [redacted] Regarding the Accounts of [redacted] Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com (Revdex.com) regarding your...

attempts to close the accounts o[redacted]. Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere condolences, as well as my apologies for any frustration this matter may have caused you. Please be assured that we have researched the situation surrounding your ability to close the accounts o[redacted]. We deeply regret the inconvenience you experienced, but were pleased to confirm that upon review of the matter we were able to refund the fees which have been assessed since the date o[redacted] passing and close the accounts in question. Enclosed you will find a check for the closing balances of the two accounts, totaling $290.00. I hope this meets your satisfaction. Additionally, your comments expressing less than quality service you received throughout this process 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. 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.Office of the President PC: Revdex.com Enclosure: Check number [redacted]

[redacted] Date: July 26, 2016 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, regarding your...

installment loan. Thank you for taking the time to document your thoughts and concerns. We have completed our review of the payment history for your installment loan. Our review determined that the increase to your monthly payments resulted in your inability to provide proof of auto insurance for the vehicle. Because the Bank did not receive proof of insurance for your automobile, the Bank force placed an insurance policy to cover the collateral. I have enclosed your loan closing documents stating you are required to provide proof of insurance to the Bank. Failure to provide proof of insurance, forces the Bank to purchase insurance on the collateral. According to the Security Agreement and Agreement to Furnish Insurance document states, if you fail to obtain, or maintain this insurance, or name us as loss payee, we may obtain insurance to protect our Interest in the Property. We will notify you if we do so. This insurance may be written at a rate higher than a rate you could obtain if you purchased the property insurance required by this Contract. For your most recent lapse in insurance coverage, the Bank notified you three (3) times requesting proof of insurance for this vehicle. I have enclosed all three (3) letters mailed to you in 2015. Please use these notices as verification that the Bank contacted you about providing proof of insurance to the Bank. I have also enclosed a copy of the insurance policy prepared on November 6, 2015. Please note the dates on the policy are from September 7, 2015, to September 7, 2016. Our research has confirmed that this policy has not been cancelled. You have not provided the Bank proof of insurance coverage from September 7, 2015, to March 18, 2016. The premium charged for this lapse of insurance is $923.00. If you can provide proof of insurance coverage from September 7, 2015, to March 18, 2016, your installment loan payment would be reduced to your original monthly payment. The requested documentation can be mailed to the following address: Fifth Third Bank Office of the President Attention: Patrick S. Mail Drop: 1MOCOP Cincinnati OH 45263 For your records and verification, I have enclosed your note and payment history for your installment loan. Please note the interest rate for your installment loan has not changed. As mentioned above, the Bank has placed insurance on your loan on two (2) occasions. The first force placed insurance policy was on August 6, 2015. The premium amount was $1,796.00. The premium was rebated to $1,479.00 when you provided proof of insurance for your installment loan. The amount owed for the first premium after the rebate was $290.00. The premium has been satisfied by the following payments: * September 1, 2015, $42.33 of your payment was applied to your insurance premium. * October 1, 2015, $15.67 of your payment was applied to your insurance premium. * October 23, 2015, $29.00 of your payment was applied to your insurance premium. * November 23, 2015, $29.00 of your payment was applied to your insurance premium. * December 28, 2015, $92.30 of your payment was applied to your insurance premium. * March 4, 2016, $184.60 of your payment was applied to your insurance premium. Please note the March 4, 2016, payment overpaid your insurance premium by $102.90. Upon receiving your complaint, we contacted the installment loan cashiering department who has re-applied this payment to your second force placed insurance premium. On December 11, 2015, the Bank purchased another insurance policy when you failed to provide proof of insurance. As noted in paragraph three (3) the lapse of insurance from September 7, 2015, to March 18, 2016, remains on your installment loan. The premium for the second insurance policy was $1,754.00; however, when the Bank received proof of insurance beginning on March 19, 2016, the premium was rebated $831.00. The amount owed on the second premium was $923.00. Your recent installment loan payments have satisfied a portion of this premium. The following payments have been applied to your insurance premium: * December 28, 2015, $12.38 of your payment was applied to your second insurance premium. * March 4, 2016, $264.52 of your payment was applied to your second insurance premium. * Additionally, the $102.90 overpayment from the first insurance premium was applied to your second insurance premium. * March 25, 2016, $104.78 of your payment was applied to your second insurance premium. * April 25, 2016, $79.82 of your payment was applied to your second insurance premium. * May 25, 2016, $92.30 of your payment was applied to your second insurance premium. * June 29, 2016, $210.63 of your payment was applied to your second insurance premium. With the adjustment dated March 4, 2016, the balance owed on your insurance premium is $61.87. This payment amount is included on the balance owed for your July payment. Your payment of $550.96 was due on June 25, 2016. The Bank received your payment of $275.00 on June 29, 2016. The Bank did not receive another payment within the ten (10) day grace period on your loan. The past due amount of $275.96 was added to the amount due on July 25, 2016. Including the past due payment, and the $9.32 late charge, the amount due by July 25, 2016, is $836.24. Assuming you make the full payment by the end of your ten (10) day grace period, your payment due August 25, 2016, will be $550.96. Assuming you make the regularly scheduled payments, your installment loan payment will be $243.29 beginning with your payment due September 25, 2016. In the interest of customer service, the Bank has agreed to reverse the two (2) late charges assessed to your account in June and July 2016. The $18.32 credit posted to your installment loan on July 26, 2016. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosures: Payment history, Note, Proof of Insurance Letters, Insurance Policy

[redacted] Date: February 7, 2018 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: Thank you for contacting the Bank concerning your Essential Checking account. We received a copy of the rebuttal complaint you filed with the Revdex.com. We also received the complaint that you filed with the [redacted] Department of Commerce Division of Financial Institutions. We also received a copy of the complaint you filed with the Federal Reserve. We appreciate the additional 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. However, the Bank stands by the response conveyed to you in our previous letter dated January 30, 2018. Our position on this matter has not changed. I have enclosed a copy of that letter for your convenience. I also want to confirm that your Essential Checking account was closed per your request on February 1, 2018, when you visited our [redacted] Executive Banking Center. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com PC: [redacted] Department of Commerce Division of Financial Institutions Enclosure: Previous Response

She has a copy of the letter! I will send confirmation today from my agent but I need a fax number I'm extremely upset at the way this is being handled by Fifth Third Bank because we were told this would be resolved if they had confirmation from my insurance company which they did in the form of a dictated letter. When they received the letter they then changed their requirements to a declaration page. I have spent many many months on this and they find loopholes to not refund my money when they got what they required in the first request. They can not keep going back adding more requirements when we fulfilled the first several! This is highly questionable practices on their part and I don't understand why this can not be resolved by reading their first request that all they needed was confirmation from my insurance company. They got it in a phone call from my agent then they wanted more and got it in a letter now they want even more! What's to stop them from adding another requirement? If you go to the many many review sites on the internet Fifth Third Bank has horrible reviews yet your site has them rated as an A+? I see how it works that you have to keep rejecting their responses and providing endless documentation. This is not set up to help the consumer by any means!

A credit of $28.00 has been issued to the credit
card account. Please find attached a copy of the written response being mailed to the customer also. Thank you.[redacted] Date: March 29, 2017 Account: [redacted] Regarding Your...

Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. Your payment of $5,522.65 posted to your account on February 21, 2017. A credit of $28.00 has been issued to the credit card account to reimburse you for the stop payment from your credit union. You are a valued customer and I appreciate this opportunity to address 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 Pc: 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] The Fifth Third employee that contact and helped me, Ms. Danielle S., was very pleasant, helpful and courtesous.  I sincerely appreciate her efforts to help me.  Thank you.

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]Hi there -I received a satisfactory response to a complaint (ID [redacted]) that I filed on 3/9/18 against Fifth Third Bank. Unfortunately, I received the response while I was out of the country and had no access to the internet to follow up on this response.Due to the lapse in time for me to respond, on my Revdex.com complaint hub, it says that " This matter is now closed in Revdex.com files, and will appear in the company's Revdex.com Business Review as: "Answered - the business addressed the issues within the complaint, but the consumer remains dissatisfied." " However, I would be grateful if this could be updated to indicate that I am actually satisfied with the way this was resolved.Apologies for the late response! I hope this matter can still be resolved! Adam P. at Fifth Third really helped smooth out the issue and ensured I wasn't being charged for services I did not receive. Thank you, and please let me know if there's anything I can do on my end now that I'm back in the US!

The permanent address we have on file for the customers is [redacted], the mailing address is [redacted]. The coupon book would have been sent to [redacted]. If the customers need to make changes to the addresses they have on file they can visit a 5/3 Banking Center, call the Customer Service Department, or myself, to make sure that this is properly updated. The Customer Service Department can be reached toll-free at ###-###-####, Mondaythrough Friday: 7:00 a.m. to 8:00 p.m., Saturday 8:30 a.m. to 5:00 p.m., ET. I can be reached at ###-###-#### or toll free at ###-###-####, Monday throughFriday, 8 a.m. to 6 p.m., ET.Thank you for helping with this,________________________________________________________________Sarah S.| Consumer Resolution Specialist | Office of the PresidentFifth Third Bank | 5050 Kingsley Dr. Cincinnati OH 45263 | MD 1MOCOP

Good Afternoon, Fifth Third Bank has no additional response or comment regarding this complaint. All issues have previously been explained and addressed with [redacted].  Thanks,  Brandy W.Executive Support SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOP (513) 358 3493Cincinnati, OH 45263 [redacted]Email[redacted]

[redacted] [redacted] [redacted] Date: June 28, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your checking account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. We previously advised that if you would like to re-open the dispute that you could submit proof of a billing error. We received the additional complaint, but you did not provide any documentation to support your rejection of the dispute denial. As a result, we were unable to reopen the claim and the dispute denial is final. I am sorry for the distress this may cause you. We appreciate your patience while we researched this matter and apologize for the 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: Previous Response

[redacted] Date: January 9, 2017 Account: [redacted] Regarding Your Auto Insurance Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your auto insurance. Your...

feedback is very important to us as it allows us to better understand how we can improve our service to you. To maintain the security of your personal and account information, I am sending this letter to the address we currently have on record for you. I noticed that the address you use in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your complaint. I encourage you to call customer service to make sure your contact information is properly updated. Customer service can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. After receiving your complaint, we confirmed with our Insurance Service Center that they received adequate proof of insurance as required under the terms of your contract for the vehicle securing your auto loan ending in 1636. No additional documentation is needed from you at this time. If you have any additional questions or concerns, please contact our Insurance Service Center at ###-###-####, Monday through Friday, 8 a.m. to 8 p.m., and Saturday, 8 a.m. to 5 p.m., ET. Please be sure to reference number [redacted] when speaking with an agent. You may also visit their website at insuranceservicecenter.com. Please also note that Fifth Third Bank does not repossess vehicles for inadequate proof of insurance. However, if you fail to provide adequate proof of insurance, we may force place insurance on the vehicle, and the premium would be added to your auto loan. I am sorry for any misunderstanding. Thank you for your patience while we conducted our research. You are a valued customer, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please 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

Hello:
We
have responded to all of the customer's concerns regarding her mortgage loan
applications. In our response dated October 16, 2017, we informed [redacted] that
we submitted a request to remove the August 15, 2017 inquiry on September 1,
2017. The credit reporting agencies can take up to 30 days to update the
reporting. We also informed [redacted] that we would submit an additional request
to the credit reporting agencies to remove the inquiry, since she indicated it
was still reporting on her credit report.
Please
allow thirty (30) days for this reporting to update with the credit reporting
agencies. Thirty (30) days would be November 15, 2017. If [redacted] provides a
credit report dated after November 15, 2017, with the August 15, 2017 credit
inquiry, we will submit a third request to remove the credit inquiry. 
In
our responses, we have also provided [redacted] with the telephone numbers for
the credit reporting agencies.
We
consider this matter closed.
thank
you.Pat S.

[redacted] Date: December 17, 2015 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com concerning your Essential Checking account. We appreciate the opportunity to respond to this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the response conveyed to you in our previous letter sent to the above address on December 9, 2015. Our position on this matter has not changed. As we previously mentioned, because transactions continued to occur, we were unable to close the account as you had requested. Once the account balance is zero and without pending transactions, you may request the account closure by visiting your local banking center or by contacting our Customer Service Department at [redacted] Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. It should also be mentioned that because the transactions that were presented after the requested account closure were previously authorized by an account holder, the Bank is obligated to honor them. The only way to prevent these transactions would be to request a stop payment for any ACH transactions or checks that were written, and had not yet cleared the account. Prior to account closure, the account holders are responsible for making sure that all previously authorized payments are cleared. 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, April Q. Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

[redacted] [redacted]Date:                  July 14, 2015Account: [redacted]Regarding Your Checking AccountsDear [redacted]:We received a copy of the rebuttal filed with the Revdex.com regarding the disputed purchases that posted to your checking account. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this situation may have caused you. However, our research determined that all the merchants involved provided us with your correct name, address and phone number. The merchants also sent our Disputes Department documentation stating that the goods and services were provided to you and your correct information was also provided. Therefore, we stand by our previous response letter provided to the Revdex.com on July 7, 2015. Our position on this matter has not changed. We are unable to re-open your disputes at this time. If you would like to pursue this matter further, please contact the merchants involved directly.Thank you for your patience while we researched this matter for you. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, Lisa S. Office of the PresidentPC: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]