PROCORPSA

[redacted] [redacted] *** [redacted] *** Date: May 25, Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning your Fifth Third Bank installment loanWe appreciate the time you have taken to document your thoughts and concerns regarding our collection departmentOn behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused youIt was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this accountYour installment loan is considered past due for payment if we do not receive your total monthly payment by the due date indicated on your contractThe final calendar day of your grace period for the loan is not considered the due date for your payment obligationsThere is a ten (10) day grace period on the account, with a late charge assessed if the payment is not received prior to the end of the grace periodShould your loan become past due, your account may also be subject to derogatory credit bureau reportingPlease note that your installment loan is a simple interest loan, with interest accruing daily on the unpaid principalWhen we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last paymentThen we apply the remaining funds to the unpaid principal balanceYour payment habits affect the amount of interest you pay over the life of your loanIf payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of your loanBecause less of your payments were applied to the principal balance, there may be a larger final payment due to the additional accrued interestPlease find enclosed a copy of your installment loan payment history for your recordsThis reflects a variance in the amount of principal and interest paid each month depending on the payment dateOn May 19, 2011, you agreed to a sixty (60) month term installment loanYour first payment was due on July 3, Your loan maturity date is June 3, It should be noted, the Bank provides you with fifty-nine (59) couponsThe final payoff of the loan is unpredictable and unknown until the second to last payment is receivedThe Bank automatically sends out a final bill during the month prior to the maturity dateOnce we have received the final payment for an installment loan, the lien for the vehicle will be released within ten (10) business daysEnclosed is a payment breakdown of the payments received for your installment loanThe payment breakdown shows the fifty-eight (58) payments you have made on your installment loanThe breakdown also indicates a principal balance of $remains on your loanFurthermore, you have $in unpaid fees on the installment loanFor your records, your loan payoff as of May 25, 2016, is $This payoff includes the principal balance, fees, and unpaid interest on the loanPlease note, there is an additional $interest accruing dailyIf after your review the enclosed documents you find that the account is incorrect, please forward details regarding the incorrect information to the following address: Fifth Third Bank Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH Alternatively, you can fax this information to my attention directly at ###-###-####If you would like to contact the credit bureaus directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We value your relationship with Fifth Third Bank and appreciate the opportunity to respond to this matterIf I could be of further assistance to you, please call me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Patrick S.Office of the President PC: Revdex.com Enclosures: payment breakdown, payment history, security agreement

[redacted] Fifth Third Bank Kingsley Drive MD 1MOCOP Cincinnati, OH March 23, Dear April Q.: We have received a copy of your letter dated March 15, in addition your attachment’s We appreciate the time you have taken to respond to some of our requests We would like to redirect your attention to our prior letter, in which your recent letter deflects many of our questions and concernsFifth Third appears to be dancing around our evidence and submitting us a template apology letterPlease stop We have taken the opportunity to bold type all ignored questions We reference you to Exhibit A, a letter from you dated January 22, that states we would have a response mailed to us within fifteen (15) to twenty-five (25) daysPlease note that your response was received to our PO Box on February 21, which is in excess of the time frame noted in your letter (Please comment to why Fifth Third Bank is not held to the same standards of timeliness?) Thank you for your review of the United States Postal Service Receipts that we supplied to youWe have to pay additional monies in order to insure us the security that our payments are being received when they are deliveredYou state in your letter that the receipts provided list expected delivery dates, which are not guaranteedFinding it odd for the Federal Government to offer a two-day (2) mailing service and charge the consumer for something that is not guaranteed we took it upon ourselves to further investigateWe bring your attention to Exhibit BWe spoke with the post master of the [redacted] post office, which is a branch of the United States Postal ServiceWe were provided and advised that all bar codes that are on the receipts, in which we supplied to you are scanned and signed for, just like shown in the exhibitFifth Third has the abilities to go on line under the USPS tracking and pull up all tracking to show when you received our payments vs how long it took Fifth Third to cash checkProve to us that the check was received by your branch on the 31st day We also formally request copies of the voicemail loggers that you note in your letter requesting pull dates to be changed, and a copy of the voicemail logger from July when we called requesting Fifth Third to review our escrow accountAs well as the conversation that [redacted] had in June with your representative that agreed the two day late was in fact bank error not our and would have removedThese loggers were also requested via your voicemail on March 24, at 12:pm Please also review your own escrow statement WE ARE NOT INSURED with Tri State since July of we are insured with [redacted] Your paperwork is extremely sloppy, as was the handling of our escrow Thank you for reviewing our payment history and believing that there was no bank error, but we are forced by evidence to disagreeIt is not our error for the poor management by the bank in how long it takes for your employees to process our paymentIt is odd that in review of your letter dated February 11, all the alleged “day” late payments are literally alleged at (1) one day lateThis brings us back to our first paragraph in this letter(Please address) -Which then brings us to our monthly increase of ($400) four hundred dollars a month due to “low escrow”, and the added stress due to poor management of our accountWhich leads to ask the question on how Fifth Third determines a payment is “late”Is it determined by receipt of the check by Fifth Third bank? or is it determined by when the check is cashed? Either way I would like documentation to that effect so going forward there is no confusion [redacted] We are requesting again proof to when you were in receipt of our checks from 2014/and how long it took your company to process those checks to make the 31st exactlyProve to us when your office receivedYour alleged stamp dated check that you have provided, cannot been seen in what you supplied – and is not proof to how long it took your organization to post those checks once it reach your bank On January 26, your Escrow Department updated our escrow portion of the monthly payment to reflect the insurance premiumBecause of this, effective February 1, we received a new mortgage payment of $This request for an Escrow review, was made via telephone to Fifth Third Bank back in July At that time we advised the Fifth Third representative of our new Home Owners carrier, [redacted] , along with the reduction of premiumOur request went unacknowledged Fifth Third Bank, alleges that upon review of our escrow account, you then issued a Home Owners payment to [redacted] on August 3, in the amount of $and was returned by [redacted] to Fifth Third on August 27,2015, due to the Fifth Third Bank errorFifth Third Bank then on September 18, decided to review our request for the escrow account to be reanalyzed and determined a reanalysis was not requireThis does prove that Fifth Third received our request in July but took (2) two months for Fifth Third Bank to complete***(Please address 3/16) Please refer to Exhibit C (2) two letters dated January 26,from Fifth Third BankThese letters state “we have corrected the amount of your monthly payment”Fifth Third Bank admits to bank error once again***(Please address 3/16) We spoke on February 22, and we advised you that on our Mortgage Loan Statement dated 2/11/for our March statement there was a charge for a past due payment of $(Your response in your March letter does not address why this $was not shown or documented in your prior letters what took months for this to show up on a bill) Please refer to Exhibit DAs such our January 11, statement did not note this “past due payment”? Also our conversation with you in January you advised that our account was currentAlso our February 8, payment was cashed on February 12, which is prior to the (15) Fifteenth of the monthSo why would this “past due payment” be reflected in March but not February? Another Fifth Third Bank error? On behalf of my husband [redacted] and I we are unable to accept apologies from Fifth Third Bank due to their poor handling of our mortgage accountWe have owned (3) three homes and (2) two currently and have never incurred these issues over the past (18) eighteen yearsShould Fifth Third wish to do the right thing and provide quality customer service to us as the consumer we are willing to work with youBased on the errors noted above we are again requesting Fifth Third to remove these alleged (1) one day past (30) thirty day late off our credit reportPlease refer to Exhibit F As you can see by our credit report we have been perfect for years, only issue being Fifth Third BankWe are aware of the over (10,300) ten thousand three hundred complaints to the Revdex.com and multiple Class Action law suits against Fifth Third Bank, so we are not the only ones with issues If Fifth Third is unwilling to work with us to address these concerns, we will continue to work on this to restore our perfect creditWe will not stop or just go away, and allow ourselves to be bulliedThere are plenty of other banks aroundThen once we get our perfect credit that has been tarnished by the likes of Fifth Third corrected we will re finance with another mortgage company – that works with their customers and their customers’ needs instead of attempting to scar their customers with unfair practices We are also putting Fifth Third on formal notice that after months – per your letter, effective February we will be pulling our escrow account from your bankIf this is not allowed at that time we will take further action It is obvious that Fifth Third Bank does not respect us as customers and does not want as customersWe will get our credit cleared with or without your assistance, and if it is without your assistance we will re finance with another carrier even if it means for a higher interest rateWord of mouth is the best advertising or the worstPlease stop with your form letters of empty apologies We formally request that your revisit your prior letter and provide us with the customer service that we deserveThank you for your time and attention to this matter Sincerely, [redacted] Pc: Better Business Bureau

[redacted] [redacted] [redacted] *** Date: October 28, Accounts: [redacted] Regarding Your Platinum Credit Card Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning your Platinum Credit CardWe appreciate the time you have taken to document your thoughts and concerns, and sympathize with the difficulties you have experiencedWe completed our research for the Platinum Credit Card account ending in ***On June 17, 2015, you began the short-term hardship planThis plan was detailed in the letter that was sent to the address listed above on June 17, 2015, which I have enclosed for your records and reviewWe understand your concerns about the collection calls you receivedOur Collection Department begins making calls to customers when a payment is not received by the due dateThey are a failsafe Fifth Third Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reportingThey are certainly not intended to cause you any hardship or frustrationWe also completed a review of the payment history for the accountOn June 26, 2015, we received your payment in the amount of $Also, on August 28, 2015, we received a payment in the amount of $I have enclosed copies of these statements for your reviewThe enrollment letter that was sent to you also details the importance of making your minimum monthly payment, and if a payment is missed for two (2) consecutive months, your account will be removed from the planBecause we did not receive a payment for a sixty (60) day period, you were removed from this plan on August 26, Our review determined there was no Bank error in removing the account from the hardship planFor your information, you will be eligible to request hardship assistance for the account in March I am sorry for any additional frustration this may cause youWhen an account is enrolled in a hardship program, you agree to pay per the payment terms listed on the enrollment letterIn this case, the agreed minimum monthly payment due for the next twelve (12) billing cycles was $Because you were removed from the plan on August 26, 2015, the terms and conditions of the Fifth Third Card Agreement apply to the account, including the calculations for the minimum payment dueFor your information, your next payment is due November 12, 2015, in the amount of $I have also enclosed a copy of the Fifth Third Card Agreement and this statement for your records and reviewPlease note we attempted to contact you regarding the payment due for your account at the phone number on file with the Bank, but were unable to reach youHowever, our records indicate that you called the Bank on July 31, 2015, to inquire if a $payment would be acceptable on the accountI am sorry for any difficulties you may have experienced when you contacted the BankThank you for your patience while we researched this matter for youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, April QOffice of the President Pc: Revdex.com Enclosures: Statements, Enrollment Letter, Fifth Third Card Agreement

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 faxed a copy of the check I sent the last week of May to Fifth Third after speaking to one of their representatives the week of the 15thIt was not posted to my account so I called to check on the mannerAt this time I was the one who notified them of the error of another person's money being posted to my accountThere are recordings to represent this conversation through fifth thirdAlso, it is my understanding according to the law, fifth third can not hold a Lien release after cashing the payoff check my bank sent themThey have cashed itI have sent them a check in the mail for the "remaining balance" to keep my credit from being affectedI have A+ Credit with nothing to hideI pay my billsPlease inquire about the recordings they have and the copy of the check I faxed to 513-358-with the reference number of I also inquired about a name change considering my name was spelt wrong at the time and automatic paymentsI was told on the 16th the copy of the check was not sufficient after being told it would be the prior dateMy husband was told my a different represtative out check was returnedI verified this with my bankNothing was taking out of my account, which had in it at the timeI believe that was a sufficient amount to pay the bill 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 I read the letter Sarah S typed up trying to say Fifth Third was justified in their charging me $ She decided to not include the deposit that hit the account for on the same morning in question On Tuesday morning my account showed a positive amount for $when checked again at 9am my account showed a positive amount of So lets review Monday positive account Tuesday when all this got added and came out positive accountWednesday morning Fifth third says Monday account negative none of this happened on Tuesday and they should charge me $ Fifth Third is stealing my $and I would like it backI believe Fifth third was sued for this exact same issue a few years ago and lostFifth Third should not be allowed to change dates of when items are posted in order to charge fees I would like my $returned to me Regards, [redacted]

[redacted] *** [redacted] *** [redacted] *** Date: April 15, Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Checking and Savings Accounts Dear [redacted] ***: We received a copy of your complaint filed with the Revdex.com regarding your checking and savings accountsWe 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 matterOn February 12, 2016, you made a $mobile deposit to your checking account ending in ***The deposit was returned as unpaid on February 18, Our Bank Protection Department reviewed your account and noticed that you also made a $deposit at an Automated Teller Machine (ATM) on February 10, This deposit was returned as unpaid on February 12, Due to the fact your accounts had two (2) returned deposits within the first thirty (30) days when accounts were opened, our Bank Protection Department recommended your accounts be closedEnclosed is a copy of the account closure letter that was sent to youPer our Bank Protection Department, checking accounts ending in [redacted] and [redacted] as well as your savings accounts ending in [redacted] and [redacted] were closedI confirmed with Financial Center Manager Brian Bthat on February 25, he opened new Express Banking accounts and a savings account for youHowever, prior to opening these accounts the proper authorization from our Bank Protection Department was not receivedAs a result, Bank Protection Department closed your Express Banking accounts on March 10, Due to the miscommunication, there was a series of attempts made to re-open and close your accountsUnfortunately, proper authorization was not received until March 15, in which your accounts were reopened by our Bank Protection Department [redacted] ***, we apologize for the difficulties you experienced while opening your new accounts with the BankWe strive to provide accurate and exceptional service, and I regret that was not your experiencePlease be assured customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations and customer servicePlease note due to the activity on your prior accounts, an exception was made to continue your relationship with the Bank by allowing you to open Express Banking accountsYou were informed of this decision by MrBand were provided new account material explaining the features and benefits of the Express Banking accountsIn addition, you accepted the terms and conditions for your new accounts by signing a signature cardAt this time we are unable to convert or reopen your closed Essential Checking accountsI apologize for the inconvenience this may cause youYou also requested that we provide you with the $credit that was promised to you at the time you opened your checking accounts on January 25, I confirmed that the Bank had a promotion at that time for new customers who opened checking accounts with the BankNew customers who opened checking accounts were eligible to receive a $bonus if the accounts met the following criteria: [redacted] Account must be opened with a $deposit [redacted] Account must receive a direct deposit of any amount within ninety (90) days of account opening [redacted] Must make three (3) online bill payments via Fifth Third Bank’s Online Bill Payment system within ninety (90) days of account openingI verified that you opened both of your Essential Checking accounts with a $depositYou also received a direct deposit in each of the Essential Checking accountsNeither checking account had any online bill payments processed from our Online Bill Pay systemHowever, your accounts were closed before the ninety (90) day timeframe endedExpress Banking accounts do not have access to our Online Bill Pay system; therefore, you have not had an opportunity to fulfill the online bill payment portion of the promotion requirementsHowever, in the interest of customer service, enclosed is a check for the $bonusPlease be advised this bonus may only be applied to one (1) checking accountWe 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 TOffice of the President Pc: Revdex.com Enclosures: Account Closure Letter, Returned Deposit Item Images (2), and refund check

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 complaintPlease see attached documentationThank you Regards, [redacted] ***

We still have not received the checkWe did receive an aplogy letter that stated the check was over nighted to us on 10/but it never arrived

This response does not directly address the negligence of the 5/staff in not sending my escrow money in a timely mannerThis also does not address the negligence of the 5/staff in failing to keep me updated, as promised, on the status of my escrow money and when I could expect to be receiving it, which was AFTER taxes were dueI should not have had to remove funds from my savings account in order to pay my taxes as a result of 5/3’s inability to function as a professional financial institutionFurthermore, I am quite perplexed why banker Ryan Vindicated in my initial call how he had received and had been working on numerous PMI removal requests as a result of the new market values receivedIf several customers were requesting PMI removals as a result of the new market values received, it would be reasonable to assume that it was due to the customer not meeting the required LTV at their initial appraised valueKindly clarify how it would make sense for MrVto process numerous PMI removal requests based on the new market values received if 5/chooses solely to go by the INITIAL appraised value? Wouldn’t it make more sense for the customer to be immediately informed that PMI cannot be removed based on a current market value? MrV looked up my information while we were on the phone and indicated that I met every credential for the PMI removalI need clear and concise reasoning as to why I was falsely informed by this bankerBased on MrV.’s statement, numerous PMI removal requests were being processed for numerous customers based on the market values received, unless MrVdecided to make a completely statement and further proceeded to falsely inform myself that I too, qualifiedIt appears to me that PMI removals were indeed being processed due to the current market values received for SOME customers and I require further understanding as to why this would be acceptable for some and not othersI have had nothing but negative experiences with 5/since AugustIf my issue was solely with one individual, that would be understood and isolated; however, given I have experienced multiple issues with multiple individuals, it is clear how 5/chooses to represent themselves as a financial institution

[redacted] [redacted] *** [redacted] *** Date: July 26, Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted] : The Revdex.com forwarded your additional comments and request for an overdraft fee reversal to Fifth Third BankWe strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectationsTwo (2) payments scheduled through our online banking service posted to your joint checking account ending in [redacted] on July 1, You indicated within your complaint that this was not your intention and that you received an error message when trying to select the account to be debitedAfter a thorough review of the online banking activity in question, we stand by our prior response provided on July 14, The payments in question were scheduled using the joint account holder’s online banking profileOn June 22, 2016, at 5:a.m., Central Time (CT) a one-time payment was scheduled to pay $to ** [redacted] on July 1, The funds were sent on June 29, 2016, and posted by the payee on July 1, On June 22, 2016, at 5:a.m., CT, a one-time payment was scheduled to pay $to [redacted] on July 1, The funds were sent on June 30, 2016, and posted by the payee on July 1, A payment posts to your checking account after the merchant processes itAny payment can be modified or canceled as long as you access the Service before the Bill Payment cut-off time on the Business Day the payment is going to be processedA “Business Day” is defined as Monday through Friday excluding Federal Holidays or as otherwise posted in the Banking CentersSome Bill Payments are made via check and some are made via electronic transaction (ACH)The Service will determine when to process the payment in order to pay your bill on timeIt is important to note that this could be up to three (3) Business Days before the payment is due to be paidA payment cannot be modified or canceled through the Service once it is marked as either “Paid” or “In Process.” I have enclosed a copy of the Digital Services User Agreement, which you agreed to when you enrolled in our Online Banking Service (“the Service”)It is possible to request that a stop payment order be placed on a payment marked as “In Process” by contacting Customer ServiceHowever, the ability to successfully stop the payment depends on how the funds were remitted to the payee and the elapsed time since the payment was processedIn addition, you may be charged a non-refundable stop payment fee of $for each requestWhile a time and/or date stamp is not visible on the screen shot you provided, we did carefully review your online banking activity and did not find evidence of bank error in the processing of the scheduled paymentsBecause the account balance was not sufficient to cover the transactions that posted on July 1, 2016, the Bank charged your account six (6) overdraft fees of $on the next business day, which due to the holiday, was Tuesday, July 5, Because you are a valued customer, $of the $in total overdraft fees were reversed on July 5, However, because overdraft fees were also reversed on April 7, 2016, and May 12, 2016, we are unwilling to reverse any additional fees at this timeIt is certainly not our intention to cause you any hardship and I apologize for your frustration regarding this matterPlease know that our executive management regularly reviews customer feedback as part of our commitment to improving our operationsIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Alison S.Office of the President Pc: Revdex.com Enclosure: Digital Services User Guide

I do not agree with anything in that letterWhen my wife closed the account on the 20th, the bank gave her the moneyThe account should have been closed on the 20th and all other debits from there on out declinedI am not going to pay the overdraft feesThis is not fair and I will not settle for anything less than the overdraft fees being taking awayThose fees would not exist if the account would have been closed as askedThis is just a way for to make moneyThe account should have been closed on 11/and no fees would've been charged

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 complaintI have faxed a copy of bill with reconnect fees and all they keep doing is sending me letters asking for the same documentThey not attempting to resolve issue 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 They made no attempt to give me my money or the check back when I requested itThe bottom line is they held on to my money which is unacceptable & I am in the process of withdrawing all of my money from their bank and closing the accountThat is the resolution for meIt was a horrible experience Regards, [redacted] ***

[redacted] [redacted] ** [redacted] *** Date: January 13, Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted] : We received a copy of the follow up letter you sent to the Revdex.com regarding your vehicle installment loanWe appreciate the additional 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 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfactionAccording to our records, the postal money order in the amount of $with serial number [redacted] and dated October 10, 2015, that you sent as payment for your loan, was received and posted to your loan on October 14, I have enclosed a copy of the postal money order with serial number [redacted] for your reviewIf you have documentation showing that any late payment received by the Bank was received before the loan was past due for payment, please send it to us and we can determine if the negative information that was reported to the credit reporting agencies can be correctedPlease send the requested documentation by mail to the following address: Fifth Third Bank Attn: Adam POffice of the President Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH Alternatively, you can fax this information to my attention directly at ###-###-####If you would like to contact the credit reporting agencies directly, their contact information can be found below: ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### Please be aware that when your full minimum payment due does not post by the due date, your loan is considered delinquent and is subject to collection activityThe Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8:AM until 9:PM, including holidaysOur Collections Department may make several calls each day in an effort to inform you of the past due payment and make payment arrangementsPlease accept my sincere apologies for any negative experience you may have had when our Collections Department contacted you regarding your loanThese calls are only intended to make you aware that your loan is past due for payment and to make payment arrangements with youCalls from our Collections Department are not intended to cause you any hardshipIf 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 PC: Revdex.com Enclosure: Copy of Payment

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 has stated that the disputed transaction is valid based on information supplied by the merchant I had several conversations with the bank's dispute department in which I pointed out that a charge may appear valid if my account was hacked I don't doubt that the evidence provided by the merchant appeared valid However, my wife submitted an affidavit stating that the transaction was not authorized by us Despite the information provided by us in the affidavit and my several telephone discussions with the disputes department, the bank has refused to work with us to resolve this issue and has put the burden on us to try and get our money back from the merchant directly I don't doubt that the bank is within their rights to deny us this claim I also don't doubt that the bank has the ability to fix this error It is clear to me that the bank has no interest in making this right for us despite months of telephone calls and a good faith effort on my part to provide the bank with sufficient evidence of the fraud we experienced Consequently, I have decided it is not worth the stress and frustration to pursue the matter further I have closed my account with the bank and will not do business with them again.To summarize, I would like to make the following points regarding this experience: By keeping our money at the bank, we put our trust in them to keep it safe They did not In the event that our money is not kept safe, we put our trust in them that they will make us whole They did not When communicating my concerns to the bank, I expect clear consistent communication on their part During this process I felt that the bank was using a different reason every time they told me they would not give us our money back The bank's final correspondence stated that they could still refund our money unless the charge is considered valid We stated unequivocally and on many occasions that the charges were not valid The bank has made it clear that they will not pursue the issue further despite our assertions I do not feel that they have made a reasonable effort to look after our interests Regards, [redacted] ***

[redacted] *** [redacted] * [redacted] *** Date: March 16, 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 February 26, 2016, we received your loan payment of $This payment was originally not applied correctly to your loanWhen we discovered this error, we located your payment and applied it to your loan on March 11, Also on March 11, 2016, the payment was backdated to the date that the payment was originally received of February 26, Please be assured that this payment issue did not result in any additional interest accruing on the loanPlease also accept my sincere apologies for any difficulties you experienced when you previously contacted the Bank to resolve this issueWe strive to provide professional and accurate service to our customers, and we regret if this has not been your experienceIf 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 PC: Revdex.com

[redacted] ***Date: June 15, 2015Account: [redacted] Regarding Your Checking AccountDear [redacted] :We received a copy of the complaint you filed with the Consumer Financial Protection Bureau and the Revdex.com regarding your account with the BankWe appreciate the time you have taken to express your thoughts and concerns regarding this matter.Your comments expressing less than quality service when you emailed the Bank and when you contacted the Banking Center and spoke with the Personal Banker regarding the closure of your account are very concerningPlease be assured we have researched the concerns outlined in your correspondence and have forwarded them to the appropriate personnel for further reviewAdditionally, we have received confirmation that the Bank made the decision to close your account ending in [redacted] with a scheduled closure date of May 11, 2015, and communication was sent to you at the address on file at that timeI apologize if you did not receive itHowever, when the Banking Center was unable to reach you over the telephone prior to the scheduled closure date, they extended the closure date to May 18, Unfortunately, they still did not hear back from you prior to the account being closed on May 18, 2015, so a check was mailed to the address on file for the remaining account balanceA copy of the letter sent to you at the above address, on April 30, 2015, regarding the account closure, is enclosed for your reference.It should be noted that we have also reached out to the Banking Center Manager, [redacted] regarding the situationShe advised that she had received her first (1st) call from you on June 2, It is our understanding that she advised at that time she needed additional time to research the possibility of placing a stop payment on the check that was issued to youAdditionally, she has advised that she left a message that same day advising that she did not have an answer regarding the stop payment and that she would call again on June 3, I apologize if this was not the case.I have confirmed that a new check was issued to you at the above address on June 4, If you have not received the check, please call me directly at the telephone number below and I will be happy to make arrangements for you to pick up the check at one (1) of our banking center locations.We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely, [redacted] Office of the PresidentPc: Consumer Financial Protection Bureau; Revdex.com Enclosure: Account Closure Letter

Dear Revdex.com, The response, provided by 5/Bank, in reference to complaint ID [redacted] is understood and accepted by me Please, consider this matter resolved Thank you, for your attentive assistance With Sincere Appreciation, [redacted]

[redacted] Date: July 3, Account: [redacted] Regarding Your Mortgage Loan Escrow Account Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com regarding your mortgage loan escrow 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfactionOn November 18, 2013, you requested a payoff quote for the mortgage loan ending in 8118, and this information was provided to you via faxWhen a mortgage payoff is requested, a special block is placed on the mortgage account that prevents payments being made from the escrow accountWhen this block was placed on your account, it was not given an expiration dateBecause there was no expiration date on the block, it remained on the account and prevented the payments from the escrow accountPlease note the block was manually removed from the account on May 11, We regret the frustration and inconvenience this has caused youOn May 12, 2015, the Bank refunded $into the escrow account to reimburse you for the principal and interest that was assessed as a result of the payment not being made in a timely mannerAlso, per your request, we reanalyzed the escrow account on July 2, There was an escrow surplus in the amount of $1,209.79; these funds were returned to you via check on July 2, 2015, at the address listed abovePlease note, your new monthly payment in the amount of $is effective as of September 1, I have enclosed a copy of the corrected Annual Escrow Account Disclosure Statement for your records and reviewI hope this letter resolves your need and meets your satisfactionThank you for your patience while we researched this matterYou are a valued customer, and we look forward to serving 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., ETApril QOffice of the President Pc: Revdex.com Enclosure: Annual Escrow Account Disclosure Statement

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 complaintI was contacted and told that the hold was because my account was new and that when I deposited my next check this would not be an issueBelieving that they were being honest I did go ahead a deposit my next check from the same job same issuing bank and guess what once again I'm being told my check is on hold for yet another weeks this account has put me in a bad position with obligations I have to pay I've got late fees and my car insurance almost cancelled because I'm unable to get to my funds to pay my bills If they were honest that would have been nice but the representative lied and nothing got resolved Regards, [redacted] ***