PROCORPSA

*** ** *** *** *** *** ** *** ** *** Date: May 25, 2017 Account: *** Regarding Your Fifth Third Bank Installment Loan Dear *** ** ***: We received a copy of the complaint you filed with the Revdex.com concerning
the lien release associated with your auto loanWe appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youIt was certainly not our intention to cause you any hardshipWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Thank you for taking the time to speak with me on May 22, 2017, and May 23, On May 22, 2017, we requested the title department to issue a lien release document and a $check to cover the cost of the duplicate titleThe items were overnighted to you via UPSBased on our conversation May 23, 2017, you have received the package and are visiting the local Bureau of Motor Vehicles (BMV) with the letter and checkIf you have any issues with the BMV, please contact me at the telephone numbers below. Our research confirmed the original title was mailed on April 4, 2017, and a lien release document was mailed on May 19, I am sorry that you did not receive the two (2) itemsAs I mentioned on May 23, 2017, we do not have any indication that either item was returned back to the Bank. Thank you for your patience while we researched this matterIf I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-####, Monday through Friday, a.mto 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com

*** ** *** *** * *** *** *** *** ** *** Date: July 7, Account: ***, *** Regarding Your
Checking Accounts Dear *** ** ***: We received a copy of the complaint filed with the Revdex.com regarding the disputed purchases that posted to your checking accountWe 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 youIn May 2015, we received your disputes for purchases made using your debit card ending in On May 15, 2015, we posted a provisional credit of $2,to your Business Standard Checking account ending in *** while we investigated your disputesDuring our investigation, we received documentation from the merchants involved showing that the purchases made were validTherefore, we denied your disputes and removed the provisional credit of $2,from your Business Standard Checking account ending in *** on June 25, Our determination is finalIt was certainly not our intention to cause you any hardship, and we sympathize with the difficulties you have experiencedHowever, we are unable to re-open your disputes at this timeIf you would like to pursue this matter further, please contact the merchants involved directlyThank you for your patience while we researched this matter for youYou 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 call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Lisa SOffice of the President PC: Revdex.com

*** *** *** *** *** *** ** *** Date: March 14, 2018 Account: *** Regarding Your Recent Experience Dear *** ***: We received copies of the complaints you recently filed with the Revdex.com and the *** Department
of Commerce: Division of Financial Institutions regarding the Bank Protection hold which was placed on your Enhanced Checking account ending in ***Please be assured that 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 apologies for any frustration this matter may have caused youPlease be assured that we have researched the issue surrounding the Bank Protection hold which was recently placed on your account associated with the recently deposited check in the amount of $34,Our research has determined that this hold was placed because the check was not endorsed properly by either you or *** *** CompanyBased on our review of this matter, you will need to either: ** work with *** *** *** *** *** Insurance Company directly to have this check returned by *** ** ***; or ** provide Fifth Third Bank with documentation from *** *** Company or *** *** *** *** *** Insurance Company stating that you are entitled to 100% of the funds in question. If you choose to explore the option of having this check returned, please then send the check to *** *** Company for proper endorsement before presenting it to usWithout the proper endorsement of both you and *** *** Company on the check, or documentation stating you are entitled to all of the proceeds, we cannot release the funds in questionShould you wish to discuss this matter further with the Bank Protection Department, please call them directly at ###-###-####, Monday through Friday, a.mto p.m., ET. Regarding the account ending in *** which you state was opened fraudulently, please know that because Fifth Third Bank takes protecting financial and personal information very seriously our Dispute Resolution Department opened case *** to review and resolve this matterI have confirmed that this account was closed on February 21, Should you have any questions regarding this process, please feel free to reach out to the Dispute Resolution Department directly at ###-###-####, Monday through Friday, a.mto p.m., Saturday, 8:a.mto p.m., ET. At Fifth Third Bank we strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectationsI 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. *** ***, I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a responseIf 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, Sarah S.Office of the President Pc: Revdex.com *** Department of Commerce

*** *** *** *** *** *** ** *** Date: January 5, 2018 Account: *** Regarding Your Essential Checking Account Dear *** ***: We received a copy of the follow up complaint you filed with the Revdex.com concerning your Essential Checking accountWe 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 this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties at 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 customer satisfaction. During our telephone conversation on December 21, 2017, I explained that the Bank would be willing to refund you for the insufficient funds fees that you were charged due to the issues you experienced regarding your $payment. On December 26, 2017, I received your email with documentation showing that you were charged an insufficient funds fee of $from *** *** Apartments and an insufficient funds fee of $from the *** *** ***. Your checking account was credited $on December 29, On December 26, 2017, we also reversed an additional $in overdraft fees that were assessed in connection with the issue you experienced. *** ***, you are a valued customer of the Bank and I appreciate this opportunity to assist you in resolving this matterIf 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, Adam P.Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint I see only a letter dated today 9/1/from Fifth Third Dispute Deptwhich is most likely only because the attached letter from me dated 8/27/was faxed and mailed to themAlso emailed to someone named Lemont that I was told was the only person to contact for some reason with my response to what has been going on now for week as I have made many attempts to obtain any assistance regarding this matterThe letter I see as a response does not say anything at all as I was rudely told from only reps there last week that "the denial is based off of your own letter" "so what questions would you have?" I submitted a letter when asked for further details of the dispute dated 6/6/and sent it back along with the basic dispute form that was sent to meThis was fine as I when I even submitted the dispute via phone 5/27/discussed the details of "NO SERVICES RENDERED" 'THE INFORMATION THAT WAS AGREED UPON WITH *** *** THAT SHE WOULD OBTAIN ON 5/26/FOR THE CHARGE OF $WAS NOT OBTAINED"As my only phone conversation with her for minutes she said if I texted her the front and back of my card for $she would obtain the informaiton discussedShe said that she found out only basic information that was non specific to what we even discussed that is what she was being paid to obtainThe informaiton is so non specific and not relevant that it is not even sure if *** *** even went to the place of business to obtain the information that we discussed during her free phone consultI could only determine that this was fraud.Since I am the one that filed the dispute for "no services rendered" "$paid and the informaiton agreed upon for this charge was not obtainedI would not submit a letter detailing my dispute that would indicate otherwiseThat is ridiculousMy letter to Fifth Third Dispute Deptin June very much indicates otherwise as does my letter dated 8/27/The letter in june was either not read or properly interpreted as far as if someone had any questions for me I could have been contacted by phoneHowever my information does not indicate and even very much explains that "no service was rendered" "agreed upon information was not received by *** ***"There has been enough time and *** *** did not respond to the dispute at allI had been told this by many repsand Lemont who is I guess a Manager in the dispute deptsaid to me on 8/that he has a response from the merchantAlso he does not see my response at all and asked me the date of my letterI said it was in JuneMy conversation with him was so very strange and along with the lack of any information provided to me by any of the customer service reps has been extremely unprofessionalWhat is left out entirely is the letter I have dated 8/17/that only says that they are not able to assist in my disputeIt doesn't say why or anything at allAnd just says to contact the merchantThen has the phone number it says to call there with any questions and to received documents used to investigate the claimI had been in contact with the dispute deptall along and even as of 8/6/was told that in the case of no merchant response the funds are released back to the customer as they just have to allow enough time for the merchant to respondIf *** *** felt that she provided service she should have respondedIt looks even more fraudulant that she did notAnd this is a very important part of the investigation that no response was received after all of this timeYet Im being told for no valid reason my dispute was deniedAlso have been told constantly that I can not do anything about itNo appeal, nothingI don't see how in this case, that is at all appropriateI see only my bank statement showing the $charge is provided alsoThis is useless since I am aware of the fact that *** *** had me text her the front and back of my card on 5/in which the money was taken from me the next day which was $Lemont the Mgrin the disputes dept said that he would by Wednesday which was yesterday fax me as I asked him to the merchant response that only he said there wasI don't see any merchant response being provided to me, as there is not oneThis is nothing but crazy! and if there was anything that was determined from my letter dated 6/6/detailing the no services rendered it would not have taken days to let me know thisIts ridiculous anyway as I am the one disputing the charge for me to indicate otherwiseYet it only appears that time was allowed for the merchant to respond and when she did not, other than at this time which is now, releasing the funds to me as I was told would be the case with no merchant responseThey are just making some reason up to not give me my money back at this point because they would have tooVery bad situation, so no this response from Fifth Third Disputes is not accepted!!!
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***Although I am still not completely satisfied by the response, I am going to mark this as closed due to the amount of hassle that it took to forward the previous reply to the business, and due to the fact most of my questions have been answeredAlthough I still wish that I had gotten the relevant statement in the mail, at least I have copies of them for my own purposes and some explanation of what happened.One final thing: you do not have to physically mail copies of your responses on here; my address does work, I just never received any mail from you for the duration stated in my previous messages, assuming you did actually send them
Regards,
*** ***

*** *** *** *** *** *** *** ** *** Date: January 11, 2016 Account: *** Regarding Your Installment Loan Dear *** ***: We received a copy of the complaint you filed with the Revdex.com, concerning the duplicate letters received from Auto BillPayer for your installment loan accountWe appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerningOn behalf of the Bank, please accept my sincere apologies for any uncertainty that may have been caused by the letters sent on December 14, 2015. Each letter was sent for a different purposeOne (1) letter was sent to confirm your enrollment in the Auto BillPayer service and the other letter was issued to verify the Automated Clearing House (ACH) payment for $that was submitted that dayWe strive to provide professional service and accurate information to our customers, and we regret if that has not been your experience. After further research, I confirmed with the Auto BillPayer Department that no additional documentation is needed from you and they only have one (1) account/profile set up for your installment loanIn addition, your payment in the amount of $was processed via Auto BillPayer and posted to your account on January 7, 2016. It should be noted that your installment loan payment is scheduled to be processed via Auto Billpayer on the due date for your account, which is the seventh (7th) day of each monthHowever, if the scheduled payment date falls on a non-business day, including Saturday, Sunday, and Federal Holidays, your payment will be processed on the prior business dayAs a result, the next payment via Auto BillPayer for your installment loan will be processed on February 5, 2016. *** ***, please be assured that it was not our intention to cause you any hardship or hardship or frustrationThank you for your feedback as it assists us in identifying opportunities to improve our systems and the level of service we provide to our customersYou are a valued customer and we hope that you will continue allowing Fifth Third Bank to service your financial needsIf 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, Danielle S. Office of the President

*** *** *** *** *** *** ** *** Date: October 9, 2015 Account: *** Regarding Your Equity FlexLine Dear *** ***: We received a copy of the complaint filed with the Revdex.com regarding your recent attempts to close
your Equity FlexLineWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. It was certainly not our intention to cause you any undue frustration and we sympathize with the difficulties you recently encounteredOn behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused youPlease be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. We have confirmed that we received your request to close your Equity FlexLine on September 29, and it was closed on October 2, You will be receiving our notification letter confirming that the FlexLine has been paid off and closed with a zero balance owedWe hope you are satisfied with the resolution and we regret this was not completed when you initially contacted the Bank. Thank you for your patience while waiting for a responseYou were a valued customer and we hope you will allow Fifth Third Bank to service your financial needs in the futureIf I may be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint Unfortunately, I supposed answer on all your questions
negatively, due to that the company never contacted to meThose people always
will find numerous excuses for everythingWhat I know for sure that
application was sent as per indicated bank address
Also, when you company sent me this message you showed the
complete mail address but not the bank’s responder, which event does not show
apartment numberI can say even more, institutions like that it a menace
because all sensitive information can be in wrong hands of thieves
Regards,
*** ***

*** ** *** *** *** ** *** ** *** Date: September 1, 2017 Account: *** Regarding Your Real Life Rewards *** Dear *** ** ***: We received a copy of the follcomplaint you submitted to the Revdex.com regarding your Real Life Rewards ***Your feedback is very important to us as it allows us to better understand how we can improve the service we provide to our customersI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction(I don’t agree, despite several calls and two formal complains with Revdex.com I have not seen any evidence on company’s part that would make me believe this claim is trueI had to hold over an hour during my last call just to speak to proper supervisorThis particular supervisor assured me I would receive a call from their auto pay department to take care of my issue but never received a callIf company’s claim is even remotely true I would again challenge them to bring their auto pay feature in 21st century and have it available on website for on demand access for their customerThere is no excuse that this can’t be accomplished overnight) On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youHowever, we stand by the response conveyed to you in our previous letter dated July 11, I have enclosed a copy of that letter for your convenienceOur position on this matter has not changed(Unfortunately company has not taken any position at all, they have not even provided me with proper reason why a first world bank in 21st century is providing 20th century tools to their customersI have seen better tools from third world banks.)Our records show that Auto BillPayer was updated to pay off your full statement balance each month on August 8, Your next payment of $is scheduled to be withdrawn from your checking account on September 17, I have enclosed a copy of your August statement for your conveniencePlease make note of the following Important Message on page one (1) of your statement: This Statement will be paid by Auto BillPayer on the payment due date based on your Auto BillPayer payment selectionsPlease also note that if your scheduled automatic payment date falls on a weekend or holiday, your payment will be withdrawn on the prior business day to ensure the payment is received on time. It was certainly not our intention to cause you any hardshipOn August 28, 2017, we waived a finance charge in the amount of $in the interest of customer serviceHowever, we are unable to provide you with any additional compensation(Correct, during August 8th call I was promised full statement balance will be withdrawn with next bill due date which was August 17thOn this day full statement balance was not automatically withdrawn and I was charge interestOn August 28, this interest charge was waived but as result of my complaint to Revdex.comIn the absence of this complaint I would have paid this interest on next auto payment cycle on September 17, As I mentioned in my email company’s incompetence in handling this matter as well their antiquated bill management tools are directly responsible for wasting my valuable time to resolve this matter and therefore they are responsible for my timeNot only company has failed to provide me proper compensation for my time they have not provided me with proper applogy)Thank you for your patience while we conducted our researchYou 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., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Previous Response Letter, August Statement

*** ** ***
*** *** *** *** ** ***
Date: July 16, Account: *** Account: *** Regarding Your Checking and Savings Accounts Dear *** ** ***: We received a copy of your complaint filed with the Revdex.com regarding your recent
experience in a banking center while closing your 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 matterWe strive to provide professional service and an excellent customer service experience, and I am very sorry if that was not the case when you visited the *** Banking Center and spoke to Financial Center Manager Paul MPlease be assured that your concerns have been forwarded to the appropriate banking personnel for reviewI would like to thank you for your feedback as it assists us in identifying problems and to continuously improve the level of service we provide to our customersHowever, I cannot inform you of specific internal corrective actions that may be taken to resolve this matterI confirmed that Retail Regional Manager Debbie Cwas not in her office on June 15, For this reason, she did not receive your message to her that day so she was unable to return your callIt is my understanding that MsCspoke to you on July 16, 2015, regarding your concerns and was able to resolve the situationIf this was not the case, please contact me directly using the phone number listed belowOur records reflect that your checking and savings accounts, as well as the associated debit card and Automated Teller Machine (ATM) card, were closed with zero balances on July 14, 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,Shawna TOffice of the PresidentPc: Revdex.com

We are in receipt of your letter dated September 27, 2016, regarding the informal complaint filed by *** ***We have had the opportunity to investigate this Complaint and offer the following information.After investigation, Armstrong discovered that a member of Mr***’s household had a
previous account with an unpaid balanceIn order to restore service to his residence, all previous account balances are required to be paid in fullArmstrong has attempted to contact Mr*** several times to discuss the situation and work out a solution, however, we have been unsuccessful in reaching Mr***Armstrong encourages Mr*** to contact our Customer Service Center at his convenience to discuss this matter.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: *** ***

*** ** *** *** *** *** *** ** *** Date: April 8, 2016 Regarding Your Mortgage Loan Application Dear *** ** ***: We received a copy of your continued complaint submitted to the Revdex.com concerning the origination process associated with your recent mortgage loan applicationPlease be assured that Fifth Third Bank continues to appreciate the time you have taken to further communicate your thoughts and concerns regarding this matter. We sincerely regret any miscommunication that may have occurred when reviewing our previous response, however no credit inquires were removed as our records did not reflect additional inquires associated with this matter past what was associated with your initial mortgage loan applicationI have included a copy of our previous communication stating this for your records. Additionally, as stated previously, regarding your request for a reimbursement of the application, appraisal, and other associated fees paid during the course of the mortgage loan application process, as well as fees paid to another lender associated with a new mortgage loan application, we are unable to fulfill this request due to no bank error having been found associated with this issuePlease be advised, this matter is considered closed. *** ***, it is a well-known fact that no business can survive without its customers, and we look forward to continuing our banking relationship with 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., ET. Sincerely, Sarah S. Office of the President Pc: Revdex.com Enclosures: Previous Response

*** *** *** ** *** *** *** ** *** Date: November 6, 2017 Account: *** Regarding Your Credit Card Account Dear *** ***: We received a copy of the complaint you filed with the Revdex.comI also appreciated
the opportunity to speak with you regarding this accountWe are sorry to hear about the difficulties that you have experienced in the pastWe strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. Per our conversation, please be advised that this account was closed at a zero (0) balance on September 28, The statement that cycled on October 20, 2017, reflected your last payment and the remaining balance of zero (0)There are no open personal credit cards associated with your name or social security number. You are listed as the owner of a business credit card ending in *** issued to ** *** *** ***The account has not been in use and has a zero (0) balanceIf you would like to close that account as well, please contact me at the telephone number below. You were a valued customer and I appreciate this opportunity to address your concernsIf 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, 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 ***, and have determined that this does not resolve my complaint
Regards,
*** *** I disagree with MrP., because our first phone conversation was on April 5th, 2016, was not on May 4th, 2016, he informed that day that he personally will contact *** to report Chapter Bankruptcy, discharged on October 29, 2013, with a zero balance owed regarding the letter he sent me in October 20, that he contacted the Credit Bureau, and he never didHe told me that he will call me to let me know, and he did not call me back.Then on April 12,I called MrPagain asking about verification of his call to ***, and he told me that he did not contact the Credit Bureau because he stated that the Foreclosure was made on May 22, , and Fifth Third Bank was not included in the list of CreditorsI informed MrPthat I included Fifth Third Bank and *** *** to the list of Creditors, and for Bankruptcy anyway is not necessary include the Creditors, but we included anywayAlso I informed MrPthat the Foreclosure was made on May 22,2013, prior to the Bankruptcy filing date on July 7, 2013, so all debts must to be closed due to BankruptcySo MrPtold me he will investigate with his Department & will call me back in two days, but he never called me So finally I called MrPagain on April 15, and MrPrussia informed that his Company Fifth Third Bank will not change the status from Foreclosure to discharge Bankruptcy because he stated that the foreclosure was filed with not debt before the Bankruptcy 7, when that information is completely wrong because Bankruptcy filing date was filed after Foreclosure date and the Credit Bureau still showing up a debt of 170,with missing payments when was supposed to be closed with zero balance. I will like if Revdex.com monitor MrPletter until June to find out in all Credit Bureau if my status was changed from Foreclosure to Discharge Bankruptcy with zero balance and not missing paymentsThanks

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint You have requested the following from me:To assist us in bringing this matter to a close, we would like to know your view on the matter. * Has the company addressed the issues of this dispute? No * If not, why? The company refuses to understand the crux of the issue, which was their lack of communication in the transfer of my credit card from one product to another without my inputAlso, there was much confusion on my end as to which product I actually had, because they decided on their own to give me some silly hybrid card that was partially a Platinum card, and partially a rewards cardTheir responses have been rude, condescending and inappropriate to the matter at handTheir unwillingness to see the larger issue and attempt to resolve it with a long-time customer has caused me to move fully to another banking institution, PNC BankThey should be able to see from my account that I have moved all cash out, and am in the process of transfer the balance on my credit cardAll over a silly dispute regarding communication and a small sum of moneyGood job, Fifth Third - you have truly become one of those large corporate banks that everyone hatesGood luck keeping customers with these policies. * Has the company met the agreement they outlined in their response? N/A - they offered no recourse for the issue.
Regards,
*** ***

*** *** *** *** *** *** *** *** ** *** Date: November 13, 2017 Account: *** Regarding Your Vehicle Installment Loan Dear *** ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com)
regarding your vehicle installment loanWe 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 matter. Thank you for taking the time to speak with me on October 17, 2017, and November 10, 2017, regarding your concernsAs we discussed, we received notification from your previous insurance company, ***, that your insurance policy with them would be cancelled on June 12, 2017, for non-paymentA copy of the correspondence that was sent to us by *** on May 28, 2017, is enclosed. Page two (2), section (d), of the enclosed loan contract states that you agree to have physical damage insurance covering loss of or damage to the vehicle for the term of the contractIt also states that if you do not have the required insurance, we may buy physical damage insurance and advise you of the charge you must then payThe charge is added to the balance of your loan and increases the monthly payment due. I confirmed that our Insurance Center issued letters to you on July 11, 2017, and August 1, 2017, to advise that we did not have insurance on file for you and that we would buy a policy if you did not provide proof of insuranceUnfortunately, our Insurance Center did not have your apartment number included as part of the addressAs a result, you have advised you did not receive the letters. We did not receive proof of insurance, so a force-placed policy was acquiredThe insurance policy we purchased was for the coverage dates of June 12, 2017, through June 12, 2018, with a cost of $3,The $3,policy premium was added to the loan balance on August 23, We then divided the policy premium by the remaining number of months left on the policy, which was nine (9) monthsThe resulting amount of $was added to the monthly loan payment of $The two (2) amounts combined totaled $We sent a statement to you on September 1, to advise that your payment had increased to $937.40. Our records show that you contacted the Bank and our Insurance Center multiple times on September 12, 2017, and September 13, 2017, regarding the statement you received that showed your payment increasedIt was explained that we did not have record of insurance on file, so we purchased insurance and the payment increase was to cover the cost of the premiumWe received proof of insurance on September 14, 2017, that showed you obtained the required insurance from *** effective September 13, We issued a partial refund for the insurance policy we purchasedThe $2,856.00 insurance refund covering September 13, 2017, through June 12, 2018, was credited to the account and backdated to August 23, Per our conversation, you confirmed there was a valid lapse of insurance coverage during which time the vehicle was not insured as requiredHowever, you advised that your insurance with *** was valid through the end of June Because that is not the information we received from ***, I requested that you fax the documentation from them showing that you were insured through June 30, As of November 6, 2017, we have not received the requested documentationAs a result, our records reflect that the vehicle had no insurance from June 12, 2017, until September 13, If you have the requested information from ***, please mail it to my address listed above or fax it to my attention at ###-###-####. After the partial insurance refund, your payment changed againEnclosed is a copy of the correspondence we sent to you on October 4, 2017, showing your new monthly payment amountAfter the $2,refund, you still owe $for the force-placed insurance premium from June 12, 2017, until September 13, The $divided by the nine (9) months for which the original force-placed policy was valid is $That amount added to the $monthly loan payment equals the current monthly payment amount due of $620.06. You advised that a representative over the phone explained you would owe a remaining force-placed insurance amount of $300.00, which would result in a $or $monthly payment increase. Unfortunately, I was unable to locate a phone call that gave this information, and there are no notes on file that state this informationI apologize for any misinformation you may have receivedAs we discussed, if you had *** Insurance until June 30, 2017, that will further reduce the amount of force-placed insurance owedThis will in turn reduce the monthly payment requiredHowever, you have not provided the required documentationThe required monthly payment until the $policy is paid in full is $As of November 6, your installment loan account is past due for the October 19, 2017, due dateHowever, the account is partially paid by $A remaining amount of $is owed to satisfy the October paymentThen the account will be due for $by November 19, 2017. Please note that any payments received beyond the fifteen (15) day grace period will have a late fee assessedIn addition, any payments received more than thirty (30) days beyond the due date will be reported to the credit reporting agencies as delinquent. As previously mentioned, you advised that you did not receive the letters from our Insurance Center that requested proof of insurance because our Insurance Center’s system did not list your apartment numberPlease be assured that our systems have now been updated so that the apartment number is listed on a second (2nd) address lineBecause you did not receive the insurance letters that were sent to you by the Bank’s Insurance Center, we removed the late payment reported for the September 2017 paymentPlease allow approximately thirty (30) days for the credit reporting agencies to update their reportingShould you apply for additional credit in the meantime, feel free to present this letter as proof of the update. While reviewing the information in our Insurance Center, I noticed that we received notification from *** that your insurance with them is cancelled effective November 6, Please contact our Insurance Center at ###-###-#### to provide proof of insurance to avoid having additional force-placed insurance added to your accountThe Insurance Center is available to assist you Monday through Friday from a.mto p.m., ET, and Saturday from a.mto p.m. During our conversation, you mentioned that you called the dealership the day after the purchase to advise you could not afford the car paymentPlease note that the enclosed contract states that there is no cooling off period for the transaction, and it cannot be cancelled except for legal cause after it is signedI am sorry for the dissatisfaction you have experienced regarding the loan and the dealership involved. Please note that while we cannot separate the forced-insurance payment from the loan payment, you are able to make a lump sum payment for the insuranceIf you pay the $insurance premium in full, the car payment will go back down to $As we discussed, you will want to call *** regarding the cancellation we receivedIf there is a valid insurance lapse with ***, the payment will be affectedPlease also note that the increased payment is in place until the force-placed policy or policies are paid in fullThe payment will be reduced to the monthly payment on the contract after all force-placed insurance is paidAs we discussed, you can contact our Borrower’s Assistance Department at ###-###-####, option number four (4), if you are unable to make your loan payments. That department is available to assist you Monday through Friday from a.mto p.m., ET. 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, Shawna H. Office of the President Pc: Revdex.com Enclosure: *** Letter, Loan Contract, Insurance Letters (2)

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
I wrote complaint on December 5, spoke to MrPon Dec11. He then WAITS over a week to attempt to resolve and then states in his letter that: "the surplus was not sent because the mortgage loan was past due when the escrow surplus was discovered." When was it "discovered"?? As per attachment, the original discovery was done in May, 2017. My loan was current as of Nov22. 5/waited A MONTH to "discover" what they already KNEW - that I had a surplus. So now, MrPfurther states: "We will not send any escrow surplus funds until the next regularly scheduled escrow analysis is performed in approximately two (2) weeks." - which takes us into January. Payments were made as per repayment agreement. I had JUST paid my last repayment plan payment on Nov21. As with most people, I get paid every two weeks. And as with most people we have mortgage payments, car payments, insurance payments, etc. The mortgage payment for December HAS BEEN PAID; ironically, on the same date as the letter sent from MrP- December 22. (see attached photo). But apparently no consideration is given to that. NOW - as of TODAY, DECEMBER - my mortgage is current. My escrow overage SHOULD be sent to me NOW. Our mortgage is a VA loan. My husband is an Army Veteran. If this is the way that this company treats its Veterans, I'd hate to see how they treat customers that aren't Vets. The circular logic MrPis using to keep OUR money for ANOTHER month is fallacious at best, and borderline fraudulent. Again, we have paid our mortgage monthly. Loan is current NOW. Our escrow balance should be released immediately.
Regards,
*** ***

*** *** *** *** *** *** ** *** Date: March 3, 2017 Account: *** Regarding Your Checking Account Dear *** ***: We received a copy of the complaint you submitted to the Revdex.comWe are sorry to hear about the
difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concernsWe strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. The Bank is continually working to improve the collection of checks and the availability of funds for withdrawal. The Federal Government has established regulations regarding the handling of depositsThese guidelines are in place to protect both you and the Bank from loss or possible fraud. Typically, a combined $from all deposited checks is available immediately on the day of your depositThe remaining funds will be made available on the next business dayIt is important to be aware that even though your account may show available funds, the check you deposited may not have cleared the bank it was drawn on, or yet been verified as authenticCash deposited into an account is immediately availableFor deposits made on Saturday, Sunday, or a Federal holiday, the day of your deposit is the next business dayA business day is defined as Monday through Friday, excluding Federal holidaysAutomated Teller Machine (ATM) deposits received after the cut-off time of p.mET (Eastern Standard Time) will be treated as if it was deposited on the next business day. In some instances, we reserve the right to place a hold on a deposit for a longer periodThe full amount of the deposit will not become available until the hold has endedFor your convenience, I have enclosed a copy of our current Rules and RegulationsPages nineteen (19) and twenty (20) provide additional information regarding our funds availability policy. You made a mobile deposit of a check for $on February 22, Because your deposit was not made in person at a Financial Center, we were unable to notify you at the time of the deposit that there would be an extended hold on the fundsFor this reason, we mailed a notice to you at the address listed above on February 22, 2017, that the funds had been placed on holdThe notice explained that the full amount of your deposit was on hold because the checking account had been recently opened and the funds would become available to you on March 7, I have enclosed a copy of the hold notice for your convenience. In an attempt to release the funds for your use, I did make contact with *** ***However, they would not verify that funds were available for the check amountI also attempted to contact the payroll company to verify the information on the check, but was unsuccessfulPlease be assured that it is not our intention to cause you any hardship, however, we are unable to release the hold on the check at this time. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter may cause youIf 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, Alison S. Office of the President Pc: Revdex.com Enclosure: Rules and Regulations Booklet; Hold Notice

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint
Regards,
*** *** I deposited $dollars into the ATM as soon as I did the ATM shut down with my money in there machineI had no refund I had no depositSo where did my $go? Did it go to the next person who did a deposit? I don't understand how there ATM does not show me making a deposit when the machine shut downIt has to show my card in the machine when it shut downI don't understand how the camera doesn't show me putting in the $at the time the ATM shut downThe machine took my money and shut downAnd I will take then to small claims court if need beThere ATM took my $and shut down