PROCORPSA

[redacted] *** [redacted] *** [redacted] *** Date: October 27, Regarding Your Recent Mortgage Application Dear [redacted] ***: We received a copy of the follow up complaint you filed with the Revdex.com, regarding your Fifth Third Bank installment loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matterWe received your original complaint filed with the Revdex.com on October 11, In addition, we received an email complaint regarding this matter on October 12, We received your most recent correspondence on October 19, However, we stand by the response conveyed to you in the previous letter sent on October 18, I have enclosed a copy of that correspondence for your reviewOur position on this matter has not changedOn behalf of the Bank, please accept my sincere apologies for any inconvenience 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’ satisfactionAs mentioned in our original response dated October 18, 2016, your mortgage application was denied due to incorrect information that you provided to the BankSpecifically, the incorrect information was on your and tax returnsOn the mortgage application, you and your wife stated the Nature Trail property was your primary residenceHowever, on your tax returns filed in and 2015, you and your spouse stated you are singleAdditionally, your tax return states your address is: [redacted] *** [redacted] *** [redacted] *** Our research confirmed that the Second Review Team reviewed your application, and confirmed the reason for denial is correctAs mentioned in our prior response, the Bank is unwilling to refund your application feeFifth Third Bank properly disclosed that the fee was not refundable and the fee will not be refunded as explained in the enclosed Pricing AgreementWe strive to provide professional and accurate service to our customersI hope this correspondence cleared up any outstanding questions you had related to this issueIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely Patrick S.Office of the President PC: Revdex.com Enclosure: Prior Response, Pricing Agreement

April 23, [redacted] Revdex.com Holiday Drive, Suite Pittsburgh, PA 15220Re: Your reference: [redacted] - Case No [redacted] Dear Ms [redacted] :We are in receipt of your letter dated April 10, 2018, regarding the informal complaint filed by Mr***We have had the opportunity to investigate this Complaint and offer the following information.On April 11th, Armstrong spoke to Mr [redacted] and he decided to remain an Armstrong customer and we were able to negotiate a new contract that satisfied both customer and Armstrong.Thank you for your attention to this matterPlease feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Teamcc: [redacted] ***

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 I have received and reviewed Armstrong's response to my complaint They have simply restated what I was told when I called customer service They have not address my issue My issue is that when I called to add the internet service, the sales person told me that the "introductory offer of $per month was for a month period not a month period I was told my rate would be $for the next months In reality, my rate was $for months and it has now increased to $for the next months I was sent an e-mail confirming my rate (attached), there is no mention of the terms of the "introductory offer" so this issue comes down to my word against the word of the sales person If Armstrong was being up front and honest about this offer, they should have included the terms of the "introductory offer" in the confirmation e-mail They took the time to prepare an e-mail specifying the rate, why not include the terms? I believe I was purposely misled when I was offered this "introductory offer" and would like to receive the discounted rate of $for the entire months I also want Armstrong to review their marketing tactics to prevent other customers from being misled by aggressive sales representatives Regards, [redacted]

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 The bank merely confirmed that they had no record of the property I purchased being part of what was escrowed with the loan, which is why I filed the complaint in the first placeIt was supposed to be escrowed, as discussed during the time of the loan preparationI was told that it was taken care of when I called Don Hto ask about the tax bills I was receivingThe letter from the bank only restates the issue that I complained about and in no way makes an attempt to resolve the situation Regards, [redacted]

[redacted] We have responded to [redacted] twice on this matterWe have fully researched his concerns and already provided him with all the information related to his issueHis additional rebuttal did not provide any additional informationTherefore, we stand by our previous response and consider this issue closedThank you, Lisa S Fifth Third Bank Consumer Resolution Specialist| Office of the President [redacted] ***P: ###-###-####

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] I have closed all my accounts with 5/and my wife and daughter are doing the same I will proceed a refinance with our new banking center 5/used to much of my time on this matter they say it was only days it turned out to be months

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint First I'd like to point out that they are being less than truthful about the date I changed my address with them When I called them March they confirmed my current address as the address that was on file, additionally they have sent mailings to me at my current address They originally mailed my title to the address on the title, not the address on my account Again...this was their mistake and they refuse to take responsibility for it As of today I have yet to receive my title and it doesn't appear as if they mailed it via a manner that there is tracking or any proof that it was sent which is what I requested Regards, [redacted]

[redacted] *** [redacted] [redacted] *** Date: May 16, Account: [redacted] Regarding Your Installment Loan Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.com concerning your installment loanWe appreciate the time you have taken to document your thoughts and concernsWe completed a review of the installment loan account ending in ***On March 29, 2016, we received the enclosed Auto BillPayer enrollment form, and your request for automatic payments was processedThe enclosed letter was sent to you, informing you that Auto BillPayer will automatically pay your account every month starting April 6, As explained in this letter, on April 6, 2016, a payment in the amount of $was processed by Auto BillPayerIn addition, on April 1, 2016, you scheduled a payment to the installment loan to be processed on April 4, 2016, via 53.com in the amount of $On April 7, 2016, you requested for the overpayment to be reversed and credited to your checking account ending in ***As explained during your telephone call with the Bank, this request would take three (3) business days to be completedOn April 12, 2016, we reversed the payment in the amount of $from the installment loan accountWe also completed a review of the payoff information that was provided for the account, which included the following: [redacted] On April 8, 2016, at 12:p.ma payoff quote was requested through the automated systemThe payoff amount quoted at this time was $19,429.89, with a per diem of $ [redacted] On April 13, 2016, at 10:a.ma payoff quote was requested to be sent via mail and the enclosed letter was sent to youThe payoff amount at this time was $19,780.97, with a per diem of $ [redacted] On April 20, 2016, at 12:p.ma payoff quote was requested through the automated systemThe payoff amount quoted at this time was $311.37, with a per diem of $Our review of the account determined that the initial payoff quote requested on April 8, 2016, was requested prior to the payment being reversed on April 12, The payoff amount as of April 13, 2016, was $19,Because we received a payment in the amount of $19,466.60, that payoff for the installment loan was not satisfiedThe account was still active and enrolled for automatic payments through Auto BillPayer, and on May 6, 2016, the final payoff in the amount of $was processed, and the account was closedBecause there was no overpayment made to the account, we will not accommodate your request for a refundI apologize for any further frustration this may cause youThank you for your patience while we researched this matter for youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, April QOffice of the President Pc: Revdex.com Enclosures: Auto BillPayer Enrollment Form, Auto BillPayer Letter, Payoff Letter

[redacted] [redacted] ** [redacted] *** Date: June 13, Account: [redacted] Regarding Your Essential Checking Account Dear [redacted] : We received a copy of the letter you sent to the Revdex.com regarding your Essential Checking accountWe appreciate the time you have taken to document your thoughts and concernsOn 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’ satisfactionOn June 2, 2016, the beginning balance in your checking account was $During overnight processing that evening, one (1) electronic payment for $to [redacted] posted to your account resulting in a negative balance for that day’s transaction processing of ($16.62)Due to insufficient funds in the account, the account was assessed one (1) overdraft fee totaling $37.00, which posted to the account the following dayI have enclosed a copy of the Overdraft Notice that was sent on June 3, In your complaint you expressed concern over the visibility of transactions affecting your balance during the dayDebit card and ATM transactions will show as pending against your available balance during the day because they are pre-authorized time-stamped debitsChecks and electronic payments (ACH payments) are batched payments and are collected from payees at the end of the business day for overnight processingBecause these items are processed overnight, they will not show as pending during the dayAll transactions will post to your account during overnight processing in the following order and will be visible the next business day: [redacted] Credits and deposits made prior to end of day cutoff [redacted] Debit card and ATM transactions in the order they were authorized [redacted] Checks and electronic payments in the order of highest to lowest amount [redacted] Fees and service charges Therefore, when you checked your balance at the ATM on June 3, at 1:AM the PayPal transaction for $you authorized on June 2, 2016, was being processed and would not have shown as pendingThis payment was processed overnight and posted to your account for the June 2, 2016, business dayI apologize for any inconvenience this mater may have caused you, but the customer is in the best position to account for all transactions in their account to prevent an overdraft occurrenceAlthough your Relationship savings account ending in is currently linked to your checking account for Overdraft Protection, there were insufficient funds in the savings account when the checking became overdrawn, to cover the checking account overdraft on June 2, According to our records, you have chosen to opt out of Overdraft CoverageBecause of this, the Bank will not pay overdrafts on your account for ATM transactions and everyday debit card transactionsHowever, Overdraft Coverage for checks and other transactions made by using your checking account number, and Overdraft Coverage for Automatic Bill Payments comes standard with your checking accountWhat this means is that, when these items are presented for payment to your account, overdraft fees still apply to these transactionsThe transaction that overdrew your account on June 2, 2016, was an ACH transaction made by using your checking account numberIt was neither an ATM transaction nor a debit card transactionFor this reason, the transaction resulted in an account overdraft and corresponding overdraft feeWe regret any inconvenience or frustration this may have caused youPlease be aware that it is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank errorPursuant to your previous fee waiver requests, we have reversed $in overdraft fees over the past twelve (12) months, as a courtesy to youAs such, additional courtesy overdraft fee reversals are not warranted at this timeIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Adam POffice of the President Enclosure: Overdraft Notice

[redacted] [redacted] ** [redacted] *** Date: May 13, Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted] : We received a copy of the letter you sent to the Revdex.com regarding your vehicle installment loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn 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’ satisfactionOn April 21, 2016, we received funds in the amount of $11,to pay off your vehicle installment loanThe payoff payment was posted to your account on April 22, Since the payment of $11,exceeded the payoff amount by $9.06, a refund check in the amount of $was sent on May 6, If you have not received the refund check, please contact me directly at the telephone number provided in this letterOn May 6, 2016, we received an additional loan payment in the amount of $Since the loan had already paid off when this payment was received, in approximately ten (10) business days from May 6, 2016, a payment refund check in the amount of $will be mailed to youIf you do not receive the payment check within two (2) weeks from May 6, 2016, please contact me directly at the telephone number provided in this letter to have a new check sentAccording to our records, your loan payments were being sent to us from a bill payment service that is not affiliated with the BankThe company is called [redacted] ***As part of my research into this matter, I called [redacted] at ###-###-####, and they confirmed that, even if a loan is paid off, they will continue to send payment to the lenderSmart Payment Plan will continue sending payments until the customer has contacted them to cancel the serviceWhen we spoke on May 9, 2016, you stated that the other borrower on the loan contacted the Bank in April and was informed by an employee in our Customer Service Department that the Bank would contact [redacted] on her behalf to cancel the service with themI listened to the recorded telephone call between the other borrower on the loan and the customer service agentDuring that call there was no discussion about cancelling the service with [redacted] ***As we discussed during our telephone conversation on May 11, 2016, while we regret the issues you have experienced with your loan, the Bank is not able to reimburse you for any of the fees assessed by the institution where you hold your checking accountThis is because none of the fees were assessed by Fifth Third, and because there has not been any error made by Fifth Third regarding your loan payments to cause fees to be assessedYour only recourse for reimbursement of fees you have incurred, is by contacting the financial institution that assessed the fees to your checking accountAdditionally, if you have previously contacted Smart Payment Plan to cancel the service with them, and they drafted a payment from your account after you requested cancellation of the service with them, they may be able to refund you for some of the fees you incurredIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Adam P.Office of the President PC: Revdex.com

The issue is two fold I cant get a straight answer from them They added insurance to my car because I failed to provide insurance for the car in a timely manner (I get this and that is not the dispute) By them adding their insuranceIt increased my monthly payment by almost 100% I called in and asked them what it would take to make my account current and they said that it would take I asked them if I make this payment I will be all caught up and not that I have insurance on the car my payment will now decrease back to the original monthly payment and customer care said no I said but you said that it was current and you have my insurance therefore there is no nee for me to pay the additional fees I asked what it would take to get my payment back to original amount and she could not tell me I told her all I want to do is pay the original amount and she could not help I asked for a supervisor who conveniently was in a meeting and we could never touch bases I then did get a call from someone who said that he was the president and that he was looking into everything and will get back to me and of course never got back to me very poor customer careI wish I had a choice to pull my car loan and give it to someone else but I cant My second complaint is I requested they send me invoices and or statement either in the mail or electronically so I can know what I am suppose to pay and when I am suppose to pay and they said no

January 30, [redacted] ***Dispute Resolution ConsultantRevdex.com [redacted] ***Re: Your reference: [redacted] – Case No [redacted] Dear Mr [redacted] We are in receipt of your letter dated December 30, 2016, regarding the informal complaint filed by [redacted] We have had the opportunity to investigate this Complaint and offer the following information.Armstrong spoke with Mr [redacted] on November 28, regarding his concerns with our data allowance policyArmstrong periodically reviews products and policies and despite the current policy remaining in compliance with FCC regulations, we are pleased to advise Mr [redacted] that he will see an update to our data allowances, which we hope will address his concerns in the coming monthsIn addition, Armstrong has credited Mr [redacted] ’s account $in appreciation of his continued patronage and now considers this matter closed.As always, Armstrong encourages Mr [redacted] to contact our Customer Service Center directly if he has any additional questions or concernsThank you for your attention to this matterPlease feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Teamcc: [redacted]

[redacted] *** [redacted] *** [redacted] *** Date: September 18, Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted] ***: We received a copy of your complaint recently filed with the Revdex.comWe 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 this opportunity to respond to your concernsYour comments expressing less than quality service are very concerningOn behalf of the Bank, I would like to offer my sincere apologies for any inconvenience this matter may have caused youPlease be assured that I have contacted the relevant parties to fully research your payoff and express your dissatisfaction with the service you receivedWhen someone contacts the Bank we expect each situation will be taken care of professionally and completelyI apologize that this was not what happened when you initially contacted us and we expect that this will not be the case in the futureWe strive to provide professional and accurate information to our customers, and we regret if all the service you received did not meet the same high standardWhen you made payment arrangements with our collections department to spread the remaining balance over three (3) months, you were not given the correct amount in order for those three payments to pay your account in fullOn December 5, 2014, we received you final payment of the three (3) payments, in the amount of $After that payment posted, your loan had a remaining principal balance of $7.91, as well as a late fee of $that posted to your account on November 16, The late fee was assessed to your account due to the loan reaching maturity and not being paid offUnfortunately, the agent that set up your payments didn’t anticipate this late fee and didn’t calculate the amount of your payments correctlyWhen your final payment posted to your loan on December 5, 2014, the remaining balance caused your loan to remain openDue to a cease and desist that you requested on your account, we were not able to contact you during that time to inform you of the past due balanceOn March 4, 2015, your installment loan charged off in the amount of $7.91, the remaining principal balance of your loanOn July 28, 2015, we received a payment in the amount of $126.12, which satisfied the unpaid principal balance and the $late charge owed on your installment loanYour loan account was closed as paid in full on that same dateAfter receiving the complaint you filed with the Revdex.com, we conducted an extensive investigation into the issues surrounding the final payments established for you to pay off your loan, as well as the information we provided to the credit reporting agenciesOur investigation determined that the information we provided to credit reporting agencies was incorrectOn behalf of the Bank, please accept my sincerest apologies for any inconvenience this matter may have caused youOn August 26, 2015, we reversed the late fee of $on your accountIn addition, we submitted a request to correct the credit bureau reporting and reverse the charge offAfter these corrections were processed, your loan was closed with an over payment in the amount of $On September 3, 2015, we mailed you a check for the overpayment balance remaining on your account and on September 16, 2015, I was able to confirm with all of the credit reporting agencies that you loan is now reporting correctly and is no longer reporting a charge off amountIf you have any questions regarding the overpayment refund or the corrections that were made to the credit reporting agencies, please contact me at the number belowI would be happy to assist you and provide you with a final resolutionIf you would like to contact the credit bureaus directly, contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ***, we appreciate your patience while we researched this matter and sincerely apologize for any inconvenience or hardship you may have experienced as a result of this matterYou were a valued customer and we sincerely hope that you will reconsider using Fifth Third Bank for your financial needs in the futureIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Jennifer COffice 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 The letter from the bank states that no adverse reaction would be taken against my credit report but it has already been adversely affectedAll three credit bureaus are reporting months lateI will be writing a letter to 5/bank and cc their general counsel that this needs to be remedied by April or we will have to take legal actionWe are unable to secure other credit because of this issueWe will also be asking for a paper statement every month which we do not receive Regards, [redacted] ***

[redacted] [redacted] [redacted] *** Date: February 4, Account: [redacted] Regarding Your Fifth Third Bank Stand Up Cancer MasterCard Dear [redacted] : We received a copy of your complaint filed with the Revdex.com, concerning your credit card accountWe appreciate the time you have taken to further express your concerns regarding this matterWe received your original Revdex.com complaint on August 5, 2015, and a follow up correspondence on August 26, However, we stand by our responses dated August 13, and September 9, I have enclosed copies of our previous correspondences for your records and convenienceOur position on this matter has not changedAs stated in our September 9, 2015, responseThe Bank submitted a request to all three (3) credit reporting agencies to update the revoked status of your credit card, and to remove the late pay marks associated with your April, May and June credit card paymentsPlease note, we have verified with the credit reporting agencies, no negative reporting is on your credit report for the last twelve (12) monthsFor your review and convenience, a copy of the most recent version of the credit card agreement currently in effect for your account is enclosedPlease note page six (6) item thirty (30) titled Changes to this AgreementWhich states: Subject to Applicable Law, we can change this Agreement at any time, regardless of whether you have access to your Account, by adding, deleting or modifying any provision (including increasing any rate of finance charge, increasing or adding fees or charges (including annual fees), changing the method of computing balances subject to finance charge, changing your Account credit limit, changing the date upon which finance charges begin to accrue, changing the Minimum Amount Due or limiting the number or amount of Transactions on your Account)Any such changes will generally be effective immediately unless we are required by Applicable Law to provide you with advance written notice of the proposed changesIf this is the case, those changes will be effective immediately following the effective date stated in the noticeSubject to Applicable Law, any such changes will apply to your outstanding Account balance on the effective date of the change and to any future balances created after that dateIf we give you the right to reject a change (whether because it is required by Applicable Law or otherwise), and you do not notify us by the date stated in a notice, or if you notify us but then use your Account after the date stated in the notice, you will be deemed to accept all changes in the notice and to accept and confirm all terms of your Agreement and all changes in prior notices we have sent you regardless of whether you have access to your AccountIf you reject a change that we make, we will close your AccountNo change to any term of this Agreement will affect your obligation to pay all amounts you owe under this AgreementAs mentioned in our response dated September 9, 2015, the Bank uses an automated system to evaluate a customer’s accountThe automated system uses information provided to the Bank by [redacted] in relation to a customer’s credit scoreIf the customer’s credit score falls within the decrease criteria, the credit limit will be decreased when your balance drops low enough to allow a decrease to take placeTherefore, due to the information receive by the credit reporting agency, your credit limit was decreased upon receipt of your monthly paymentOn your statement dated January 27, 2016, your credit limit was automatically reduced to $2,Based on pending authorizations, the limit decrease did result in your credit card being over the limitHowever, on January 27, 2015, you contacted our customer service department about this issueAlthough the credit line decrease was executed according to our credit line decrease guidelines, due to the pending authorizations, the Bank increased your credit line to $2,Please note, you were not assessed any fees as a result of being over the credit limitThe Bank does send a notice to our customers when there is a credit limit decreaseThis notice provides information about the decision to lower your credit limitI have enclosed a copy of the letter mailed to you on January 25, 2016, to alert you to the lowered credit limitPlease note, the reasons for the decreased limits are: ? Utilization on this Fifth Third Credit Card ? Derogatory Public Record or Collection Filed ? Ratio of Balances To Credit Limits on Revolving Accounts Is Too High ? Current deposit balancesFurthermore, the notice does inform you that the Bank will continue to monitor your account performance for future limit increases and decreasesI hope this correspondence cleared up any outstanding questions you had related to this issueIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8:a.mto 6:p.m., ETSincerely, Patrick SOffice of the President PC: Revdex.com Enclosure: Previous responses, Credit Card Terms and Conditions, Limit decrease letter

[redacted] Date: July 19, Account: [redacted] Regarding Your Real Life Rewards [redacted] Dear [redacted] : We received a copy of your rebuttal recently filed with the Revdex.com, concerning your Real Life Rewards [redacted] accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter We have thoroughly reviewed your dispute and stand by the final denial of your claimEnclosed please find copies of all of our previous correspondence that we sent to you in response to your Revdex.com (Revdex.com) complaints and [redacted] (***) complaintAs previously stated in a conversation with the Disputes Department on June 22, 2016, the Bank does not have any additional dispute rights under [redacted] and [redacted] guidelines [redacted] , I am truly sorry that you disagree with the final denial of your claim for the disputed transaction of $from June 3, The Bank has guidelines they have to follow for disputed [redacted] and [redacted] transactionsUnfortunately, the merchant provided documentation in response to your dispute to support their case and your dispute was deniedIf you would like to continue to pursue this matter, you may wish to do so through the civil court systemOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youI regret that adherence to these policies caused you any frustration or inconvenience We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectationsIt was truly not our intention to cause you any hardshipAs stated in a prior response, we extended the promotional rate on your Real Life Rewards [redacted] through September 2016, in the interest of customer serviceThe updated expiration date for the promotional rate is now September 29, The promotional rate is 0.00% for purchases and balance transfers [redacted] , I understand your frustration when this situation occurred and we appreciate your patience while we researched this matterAfter multiple communications with you via mail, we consider this issue closed and will no longer be sending written correspondence to you regarding these mattersYou were a valued customer and we sincerely hope that you reconsider using Fifth Third Bank for your financial needs in the futureIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET Sincerely, Jennifer C.Office of the President Enclosures (4): Previous Responses

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint I sent the voice recording as requested and have received no follow up or response, it's been more than a week and I am somewhat frustratedWould like a followup responseThank you Regards, [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

March 8, [redacted] Revdex.comHoliday Drive, Suite 220Pittsburgh, PA 15220Re: Your reference: [redacted] - Case No [redacted] Dear Mr***:We are in receipt of your letter dated February 21, 2017, regarding the informal complaint filed by [redacted] We have had the opportunity to investigate this Complaint and offer the following information.In August 2016, Mr [redacted] added Armstrong’s Zoom Internet service under a promotional rate which bundled cable, telephone, and internet service at a deeply discounted rateArmstrong offered this promotion to customers who did not yet subscribe to our Internet serviceBy subscribing to this promotion, Mr [redacted] added Zoom Internet to his telephone and cable service for an increase of $per month for six monthsAt the end of this period, the promotional price increased by an additional $per month for the following six monthsDespite this increase, Mr [redacted] is still receiving the best possible rate for his services at this time.Armstrong thanks Mr [redacted] for his feedback regarding the confirmation email he receivedMr [redacted] ’s concerns have been forwarded to the appropriate personnel and are currently under reviewArmstrong strives to provide the best possible service for our customers and regularly reviews our policies and proceduresWe encourage Mr [redacted] to contact our Customer Service Center if he has any additional concerns.Thank you for your attention to this matterPlease feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Team cc: [redacted]

[redacted] *** [redacted] J [redacted] *** Date: August 16, Account: [redacted] Regarding Your Checking Account Dear [redacted] ***: 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 matterPer your correspondence, I understand that you attempted to deposit $in cash at the Automated Teller Machine (ATM) located at the [redacted] Banking Center on July 25, However, the funds were not credited to your accountBecause the issue occurred after p.mET, the banking center was not openYou contacted our Dispute Department on July 26, at 7:a.m., and we processed your dispute claim for the missing depositI also confirmed that you called the [redacted] Banking center that day as wellOur records reflect that Financial Center Manager Jacqui Pattempted to contact you per your request that day regarding the missing deposit and your desire for an immediate provisional creditI am sorry that she was unable to reach youPlease be advised that disputes for consumer checking accounts are governed by Federal Regulation EPer Federal Regulation E, a provisional credit for a dispute must be provided within ten (10) business days of the date we were notified of the dispute if the investigation has not been completed by the tenth (10th) business dayPlease be advised that it is Fifth Third Bank’s policy to provide provisional credits within four (4) to five (5) business days for accounts that have been open for more than six (6) monthsAt the time you filed your dispute, your checking account had been open for less than one (1) monthI verified that the Dispute Department told you at the time you filed the dispute that the credit would be processed in four (4) to five (5) business daysI am sorry for the incorrect information that you receivedPlease be assured that I have forwarded this information to the relevant Bank personnelWhile researching ATM disputes, the Bank verifies if the funds deposited to the ATM balances out to have more cash or checks in it than it shouldUnfortunately, the bin that cash deposits are processed to was not over by any funds, and the money in the ATM matched the funds the ATM said were depositedFor this reason, your dispute was deniedA copy of the denial letter sent to you on July 28, 2016, is attachedI confirmed with the banking center that their ATM was not out of service and continued to process other customer transactionsHowever, it is possible for an ATM machine to malfunction during a transactionDue to the difficulties you encountered with the ATM, the banking center sent a technician to service the machineAt that time, the technician located your $that was stuck in the machineBecause the funds were stuck and did not process to the reject bin, the ATM balanced when the funds were previously countedBecause we were able to locate the funds, the banking center credited the $to your checking account on July 28, 2016, even though the dispute was deniedThe ending balance in your checking account on July 28, 2106, was $I confirmed that there were no overdrafts on your account from July 25, 2016, through July 28, 2016, while the missing deposit was not in your accountI was able to review several of the phone calls you placed to our Customer Service DepartmentI verified that our agents did not state that you would have to call the banking center to dispute the transactionThe transaction was disputed during your phone call at 7:a.mon July 26, You called the Customer Service Department later that day stating you called the banking center and that you wanted to talk to the location’s managerHowever, you stated that the banking center was not answering the telephoneThe customer service agent called the banking center on your behalf and obtained a fax number per your requestThe customer service agent also explained that the banking center staff advised they would contact the regional manager regarding your request for an expedited provisional creditYou contacted the Dispute Department again on July 27, 2016, regarding the dispute and advised that the banking center manager said they were going to expedite your provisional creditThe agent you spoke to advised that if the banking center employee provided that information, you would have to speak with him because the Dispute Department would be unable to expedite the credit [redacted] ***, I am very sorry for the frustration and inconvenience this situation caused youI understand that you needed the funds from the deposit to pay a ticket so you could continue with your part-time job as an [redacted] driverIt was certainly not our intention to cause you distressThe Bank has policies and procedures in place that are applied to all customers within applicable federal regulationThe credit for your missing deposit was applied within two (2) business days of your notification to the Bank of the missing funds, which was in compliance with federal regulationsFor this reason, we are unwilling to provide you with additional compensationI am sorry that the credit could not be provided soonerWe 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., ETSincerely, Shawna T.Office of the President Pc: Revdex.com Enclosure: Dispute Denial Letter