PROCORPSA

Armstrong called me to apologize about the outagei informed them that this was not an outage issue but a continual and repeated slow down in service at night between the hours of 7-PM with speeds as low as 4mb/secI have experienced it and run speed tests on several occasions during the past monthsI have called in at least times over the past months only to be told armstrong does not detect any issuesThe slow down corrects itself every following morningMy neighbors also have experienced the same issueArmstrong knows there is a systemic issueI think they are choosing not to address it Monitoring software is readily available and Armstrong is aware and knows how to use itMaking excuses does not solve the problem nor does a one month credit

[redacted] *** [redacted] *** [redacted] *** Date: November 16, Account: [redacted] Regarding Your Installment Loan Dear [redacted] ***: We received a copy of your additional rebuttal filed with the Revdex.com along with a copy of the Certificate of Liability Insurance faxed from your [redacted] Insurance agentWe appreciate the additional opportunity to research this matterAs advised in our previous responses, according to our insurance center, your comprehensive insurance coverage was cancelled on December 16, A new policy was written on March 30, 2016, that included comprehensive coverageHowever, the effective date for this policy was May 24, Subsequently, the Bank purchased insurance coverage, on your behalf, that was in effect from December 16, 2015, until May 24, In your most recent rebuttal, you claim that the certificate provided from [redacted] Insurance documents that you had comprehensive coverage on the vehicle held for collateral from March 30, 2016, until September 15, However, our insurance center called your [redacted] *** Insurance agent directly and was advised that there was not comprehensive coverage on the vehicle until May 24, Your agent stated that a policy was written on March 30, 2016, however, comprehensive coverage was not added until May 24, Therefore, the insurance policy that was purchased by the Bank was necessary and you are not entitled to a refund for any of the insurance purchasedThis is the same information that has been provided to you by the Bank previouslyOur response on this matter has not changedWe consider this issue closed and will no longer respond to you regarding his matterIf I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, [redacted] Office of the President Pc: Revdex.com

I read [redacted] additional rebuttalHe has not provided any additional information than was not provided in his previous correspondencesWe have responded to this customer times with the same informationWe will need him to provide a copy of the declaration page from his insurance policy to prove that he had comprehensive coverage on the related vehicle.Per his last request, I even contacted his insurance agent directly to request a copy of the declaration pageWe have still not received proof of the insuranceOur response will not changeThank you, [redacted] | Fifth Third Bank Customer Care Specialist II| Office of the PresidentKingsley Dr, MD 1MOCOP, Cincinnati, OH

[redacted] *** [redacted] ** [redacted] *** Date: January 22, Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted] ***: We received a copy of your complaint filed with the [redacted] (***) and the Better Business Bureau (Revdex.com) regarding your mortgage loan 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 matterVarious requirements must be met to remove PMI and escrow, in addition to having the required Loan to Value ratio (LTV)The requirements vary based on the loan investor that owns the loanEnclosed is a copy of the signed PMI disclosure for your loanPer the disclosure, PMI will automatically terminate on the date the loan is scheduled to reach a 78% LTVPMI does not automatically terminate if the LTV reaches 78% prior to the scheduled datePer the disclosure, you can request to remove PMI when the LTV is scheduled to reach 80% of the LTV on November 1, 2018, or when the account actually reaches an 80% LTVPer the disclosure, the request must be submitted in writingPer our conversation on January 12, 2018, your requests to cancel the Private Mortgage Insurance (PMI) and the escrow account were approvedHowever, we issued a check to you for the escrow balance before we made the final PMI paymentWe have stopped payment on the $7,check that we sent to you on January 10, Please do not cash this check when it is received because it will be returned as unpaidWe made the final $PMI payment on January 12, 2018, and sent the remaining escrow balance of $7,to you in the form of a check on January 12, If you do not receive the check by January 26, 2018, please contact me directly using my phone number listed belowI reviewed your conversation with the Customer Service Department on January 3, 2018, when you called to cancel PMIThe representative advised correctly that the request needed to be submitted in writingThe representative also advised that PMI must typically be paid for at least five (5) years before it can be removedThe information provided was correct as some mortgage loan investors require that PMI be paid for a minimum of five (5) years before it can be removed, even if the LTV falls below 78%However, this was not a requirement for your loanI confirmed that we did not receive a written request to remove PMI via fax or mailThe first (1st) written request received was the complaint that you submitted to the ***Your new monthly mortgage payment is $1,839.12, and the next payment is due by March 1, You are responsible for the timely payment of taxes and insurance because the loan no longer has an escrow accountIf we receive notification that the taxes or insurance for the property are delinquent, the Bank may reopen the escrow account to pay the delinquent escrow obligationsWe may also force place an insurance policy to protect the investor’s interest in the property if there is a lapse or cancellation of coverageIf we reopen the escrow account, you will receive an escrow analysis and an escrow payment will be added to the monthly mortgage payment requiredWe 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 H.Office of the President Pc: [redacted] Enclosures: PMI Disclosure

[redacted] [redacted] *** [redacted] *** Date: March 24, Regarding Your Credit Card Application Dear [redacted] : We received a copy of the complaint you submitted to the Revdex.com regarding your credit card applicationWe appreciate the time you have taken to document your thoughts and concerns regarding this matterAs we stated in our previous response letter dated March 10, 2016, we were unable to locate any credit card applications from you within our filesIf you would still like to apply for a Fifth Third Bank credit card, you may do so online at 53.com, by visiting any Fifth Third Bank banking center, or by calling our New Accounts Department at ###-###-####, option 3, Monday through Friday, a.mto p.m., and Saturday, a.mto p.m., ETUnfortunately, as we also stated, we were unable to research any contacts you may have had with the Bank based on the information you provided within your complaintI have enclosed a copy of the previous response letter which contains our address and fax number to send any additional information if you would like to research this matter furtherAdditionally, per your request, we have removed your name and address from the lists we use to generate promotional mailingsHowever, please be aware that some mailing lists are compiled up to three (3) months in advance, so there is the possibility that you could receive some promotional mailings in the near future that were generated prior to the removal of your name and addressIf you are interested in limiting promotional credit card offers from other creditors, as well, we encourage you to notify the three (3) major credit reporting agencies that you wish to exercise your right to prohibit the use of information in your credit report by any consumer reporting agency from being used to send you offers of credit which you did not requestYou can do so for [redacted] , [redacted] , and [redacted] at once by calling [redacted] (###-###-####)Or write to: [redacted] Credit Information Services, Inc., [redacted] ***; [redacted] Opt Out, [redacted] *** [redacted] ***; and [redacted] Name Removal Option, [redacted] 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., ETSincerely, Elizabeth DOffice of the President Pc: Revdex.com Enclosure (1): Previous Response Letter

[redacted] *** [redacted] ** [redacted] *** Date: August 16, Account: [redacted] Regarding Your Transaction Dispute Dear [redacted] ***: We received a copy of the rebuttal you submitted to the Revdex.com regarding your transaction disputeWe appreciate the time you have taken to document your additional thoughts and concerns regarding this matterOn 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 prior correspondence dated August 4, Our position on this matter has not changedWe enclosed a copy of the documentation we received from the merchants with our prior correspondenceThe disclosures for the terms of the trial periods state the following: You will have days from your original order date to see if [ [redacted] ***] is right for youIf you are unhappy with the product at any time during those days, you must call us at [redacted] and cancel your order to avoid being billed for the full cost of the productIf you are satisfied and do nothing we will bill you [$89.97/$89.95] for your initial order and every thirty days[.] I have enclosed additional copies of the merchant documentation for your convenienceYou placed your orders for the free trial periods on February 4, Per the disclosures you agreed to on the merchants’ websites, you had fourteen (14) days from that date to cancel your ordersSince you did not cancel within the trial periods, you were assessed for the full cost of the products on February 19, Based on the documentation we received from the merchants, as well as the documentation you provided, you did not cancel your orders until February 22, It was certainly not our intention to cause you any hardshipHowever, we are unable to reconsider your dispute, or return the provisional credits, since all documentation provided indicates that you did not cancel your orders within the trial periods as required under the terms and conditionsIf you would like to pursue this matter further, you will need to contact the merchants directlyI understand in your complaint you stated that the merchants’ websites were no longer active; however, we verified on August 10, 2016, that both websites, and the phone numbers for the merchants, are still activeThank you for your patience while we conducted our additional researchIf 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, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Merchant Documentation

[redacted] [redacted] * [redacted] *** Date: July 26, Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com, regarding your installment loanThank you for taking the time to document your thoughts and concernsWe have completed our review of the payment history for your installment loanOur review determined that the increase to your monthly payments resulted in your inability to provide proof of auto insurance for the vehicleBecause the Bank did not receive proof of insurance for your automobile, the Bank force placed an insurance policy to cover the collateralI have enclosed your loan closing documents stating you are required to provide proof of insurance to the BankFailure to provide proof of insurance, forces the Bank to purchase insurance on the collateralAccording to the Security Agreement and Agreement to Furnish Insurance document states, if you fail to obtain, or maintain this insurance, or name us as loss payee, we may obtain insurance to protect our Interest in the PropertyWe will notify you if we do soThis insurance may be written at a rate higher than a rate you could obtain if you purchased the property insurance required by this ContractFor your most recent lapse in insurance coverage, the Bank notified you three (3) times requesting proof of insurance for this vehicleI have enclosed all three (3) letters mailed to you in Please use these notices as verification that the Bank contacted you about providing proof of insurance to the BankI have also enclosed a copy of the insurance policy prepared on November 6, Please note the dates on the policy are from September 7, 2015, to September 7, Our research has confirmed that this policy has not been cancelledYou have not provided the Bank proof of insurance coverage from September 7, 2015, to March 18, The premium charged for this lapse of insurance is $If you can provide proof of insurance coverage from September 7, 2015, to March 18, 2016, your installment loan payment would be reduced to your original monthly paymentThe requested documentation can be mailed to the following address: Fifth Third Bank Office of the President Attention: Patrick SMail Drop: 1MOCOP Cincinnati OH For your records and verification, I have enclosed your note and payment history for your installment loanPlease note the interest rate for your installment loan has not changedAs mentioned above, the Bank has placed insurance on your loan on two (2) occasionsThe first force placed insurance policy was on August 6, The premium amount was $1,The premium was rebated to $1,when you provided proof of insurance for your installment loanThe amount owed for the first premium after the rebate was $The premium has been satisfied by the following payments: [redacted] September 1, 2015, $of your payment was applied to your insurance premium [redacted] October 1, 2015, $of your payment was applied to your insurance premium [redacted] October 23, 2015, $of your payment was applied to your insurance premium [redacted] November 23, 2015, $of your payment was applied to your insurance premium [redacted] December 28, 2015, $of your payment was applied to your insurance premium [redacted] March 4, 2016, $of your payment was applied to your insurance premiumPlease note the March 4, 2016, payment overpaid your insurance premium by $Upon receiving your complaint, we contacted the installment loan cashiering department who has re-applied this payment to your second force placed insurance premiumOn December 11, 2015, the Bank purchased another insurance policy when you failed to provide proof of insuranceAs noted in paragraph three (3) the lapse of insurance from September 7, 2015, to March 18, 2016, remains on your installment loanThe premium for the second insurance policy was $1,754.00; however, when the Bank received proof of insurance beginning on March 19, 2016, the premium was rebated $The amount owed on the second premium was $Your recent installment loan payments have satisfied a portion of this premiumThe following payments have been applied to your insurance premium: [redacted] December 28, 2015, $of your payment was applied to your second insurance premium [redacted] March 4, 2016, $of your payment was applied to your second insurance premium [redacted] Additionally, the $overpayment from the first insurance premium was applied to your second insurance premium [redacted] March 25, 2016, $of your payment was applied to your second insurance premium [redacted] April 25, 2016, $of your payment was applied to your second insurance premium [redacted] May 25, 2016, $of your payment was applied to your second insurance premium [redacted] June 29, 2016, $of your payment was applied to your second insurance premiumWith the adjustment dated March 4, 2016, the balance owed on your insurance premium is $This payment amount is included on the balance owed for your July paymentYour payment of $was due on June 25, The Bank received your payment of $on June 29, The Bank did not receive another payment within the ten (10) day grace period on your loanThe past due amount of $was added to the amount due on July 25, Including the past due payment, and the $late charge, the amount due by July 25, 2016, is $Assuming you make the full payment by the end of your ten (10) day grace period, your payment due August 25, 2016, will be $Assuming you make the regularly scheduled payments, your installment loan payment will be $beginning with your payment due September 25, In the interest of customer service, the Bank has agreed to reverse the two (2) late charges assessed to your account in June and July The $credit posted to your installment loan on July 26, We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have causedIf 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 SOffice of the President PC: Revdex.com Enclosures: Payment history, Note, Proof of Insurance Letters, Insurance Policy

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, Principal not applied: $3,from months it was 5% (start of loan modification through 8/presuming it was incorrect at the beginning of the modification) and $4,from the months it was 7.5% That is what should have been applied as a credit to my loan in the very minimum From their own amortization schedule I think that this was predatory because had I not caught there mistake they would have continued on this path I think I should still look into the consumer protection service predatory lending practices Their contract itself is really strange the way they wrote up the modification because the last or second to last clause almost tries to contractually absolve them of any negligence and you can’t do that legally Where were their internal audits being done? It should not have taken the customer to uncover this error There should have been fail safes in their internal auditing system that should have caught this error long agoIt certainly should not have gone on over years Where is the punitive damages for the years I have tried to sell that house and couldn’t because of that loan balance being held over your head? [redacted]

[redacted] [redacted] *** [redacted] *** Date: April 29, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of your Revdex.com complaint, regarding the title for your vehicleWe appreciate the time you have taken to express your concerns regarding this matterYour comments expressing less than quality service are very concerning and we regret the difficulties you experiencedWe 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’ satisfactionOur records show that your installment loan ending in [redacted] was closed on July 9, On July 17, 2014, the title for your vehicle was mailed to [redacted] ***This was the address on file for your installment loan at that timeOn March 11, 2016, your address was updated to [redacted] *** [redacted] ***A request to have a lien release was also processed on that same dayWe apologize if you did not receive the lien release issued at that timeOur Collateral Department is processing your duplicate title request for your vehiclePlease allow up to three (3) weeks to receive the duplicate titleIt was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered while attempting to obtain the title for your vehicleWe believe your issue was resolved accordingly, and I hope that this letter will meet your satisfactionIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Elizabeth J.Office of the President Pc: Revdex.com

[redacted] ***,I regret that the customer is dissatisfied with our responses, but we fully researched this issue and have already responded to her twice.She did not provide any additional information in this most recent rebuttalWe consider this issue closed.Thank you,Lisa S.| Fifth Third Bank Consumer Resolution Specialist| Office of the PresidentKingsley Dr, MD 1MOCOP, Cincinnati, OH 45263P: ###-###-#### F: ###-###-#### email: [redacted] Please note any correspondence/emails received will be included as part of the customer’s complaint file.**

[redacted] Date: February 19, Accounts: [redacted] , [redacted] Regarding Your Essential Checking Account and Platinum Credit Card Dear [redacted] : We received a copy of the additional complaint you filed with the Revdex.com concerning your Essential Checking account and Platinum Credit CardWe apologize for any frustration this may cause youHowever, the Bank stands by the previous responses conveyed to you on September 9, 2015, and February 11, Our position on these matters has not changedFor additional clarification, an ACH request must include the correct routing and account numbers to ensure it is applied to the correct accountWithout the correct routing and account numbers, we are unable to determine which account the request belongs toWe are unable to verify student status based off of direct deposits that are received to the account and per Bank policy, we require all students to show a valid student ID to maintain their student banking benefitsYou also mentioned a concern for the $monthly service feeAs previously mentioned, there will be no monthly service charge if you maintain a combined monthly average balance of $1,For the statement period of January 22, 2016, through February 19, 2016, your average account balance exceeded $1,500.00, therefore, the account was not assessed a monthly service chargeWe also reviewed your request to close the Essential Checking account ending in ***Because the account is not at a zero balance, we are unable to complete the requestIf you wish to transfer the funds to an account at another financial institution, you may initiate this external transfer of funds on 53.comOnce the account is at a zero balance, you may contact our Customer Service Department at ###-###-####, Monday through Friday, a.mto p.m., ET, and Saturday 8:a.mto p.m., ETIf you are unable to bring the account balance to zero, you may visit your local banking center to close the accountYou also mentioned the Goal Setter Savings account ending in is at a zero balance; however, it should be noted we have not received a request to close this accountIf you wish to close the savings account, please contact our Customer Service Department for further assistanceI am sorry for any additional 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., ETApril QOffice of the President Pc: Revdex.com

Kingsley DriveMD 1MOCOPCincinnati OH [redacted] ***Date: August 19, 2016Account: [redacted] Regarding Your Mortgage AccountDear [redacted] :We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your mortgage loan accountWe appreciate the time you have taken to express your thoughts and concerns.I am very sorry for the difficulties you experienced with the Bank after switching your homeowner’s insurance in February 2016, and after your monthly payment changed in June due to your escrow analysisPer our conversation on August 9, 2016, the Bank can apply only full monthly mortgage payments to the loanPayments that are insufficient to cover the payment due are not able to be utilized toward the payment owedFor this reason, the funds are placed into an unapplied state until we receive additional funds to satisfy the full paymentIf the remaining funds needed to satisfy the payment are not received within thirty (30) days of the due date, the loan is reported delinquent to the credit reporting agencies.Per the April escrow analysis, if the shortage was not paid then the new payment for your mortgage loan effective June 1, 2016, was $1,The $1,we processed on June 1, 2016, was insufficient to cover the payment due so it was placed into an unapplied stateWe then received a $1,payment on July 1, 2016, which was utilized to cover the payment due for June 1, Because the payment was received more than thirty (30) days after the due date, the loan was reported as delinquent for June I understand that you utilize a third (3rd) party company to process bi-weekly payments on your behalf, and they were unable to update the payment amount in their systems in time for the June payment.We next processed a $payment on July 1, 2016, which was placed into an unapplied stateThe funds were combined with the $1,in an unapplied state to make a $1,payment on July 28, These funds covered the payment that was due on July 1, Per our conversation, the June payment was also backdated to June 1, 2016, which is the date we received the $1,As a result of backdating that payment, the late pay reported for June was removed and there is no late fee on the account for that payment.On August 1, 2016, we processed a $1,payment to the loanWe applied $1,as the August paymentThe remaining $was applied as a principal only paymentPer our conversation, we removed the $principal payment and mailed it back to you on August 12, Please contact me directly if you have not received the $check.You mentioned in your complaint that you requested a review of your account, but that you received a letter stating the request could not be honoredPer our conversation, the response was sent to you to trigger a phone call to the Bank so that we could provide you with information over the phone about requesting your June payment to be backdatedI am sorry for the distress this letter caused youIt was not our intention to cause you additional frustrationAs of August 17, 2016, your mortgage loan is current and the next $1,payment is due on September 1, Please be assured that your concerns regarding our employee, Vernetta, have been forwarded to the relevant Bank personnel and managementWe strive to provide courteous and prompt customer service, and I regret that was not your experienceWe appreciate 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 matterWe 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 T.Office of the PresidentPc: Revdex.comEnclosure: Escrow Analysis, analysis

[redacted] *** [redacted] [redacted] *** Date: March 21, Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.com concerning 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 this matter may have caused youPlease 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfactionFifth Third Bank does not have the title to your vehicleWhen your vehicle installment loan was originated on March 31, 2015, Fifth Third Bank sent its request to place its lien on the vehicle; however, Fifth Third Bank was never in possession of the vehicle titleSince you lived in [redacted] when your loan was originated, the [redacted] Department of Motor Vehicles (DMV) has the vehicle titleYou will need to contact the [redacted] DMV to request the vehicle titleOnce you receive the vehicle title from the [redacted] DMV, you can then contact the [redacted] DMV to get the vehicle titled in [redacted] On behalf of the Bank, please also accept my sincere apologies for any issues you may have experienced when you previously contacted the Bank regarding this matterWe strive to provide professional and accurate service 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 P.Office 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 Regards, [redacted] Hello,How do I reopen the case?I was on a vacation, so I just got a response.The only response from 5/in regards to the case I received was that they are still investigating it.Summary:1) [redacted] charged my card on behalf on someone else's account (unauthorized charge)2) [redacted] refuses to issue credit, and then admits that they charged me for someone else3) [redacted] is out of business, 5/contacted by Email, ***, Revdex.com, [redacted] - the claim is open (after days delay once [redacted] was delivered with the details and supporting docs as instructed by terms and conditions for billing error resolution);4) The claim was accepted, yet I am not getting the credit within 5-days as I should be getting per agreement5) I did not sign, receive anything I was billed for - the 5/bank SHOULD HAVE NOT received anything with my name, signature, and authorization of the payment documents OR ANYTHING at all.6) Federal law requires them to resolve the issues within 60-days, my case took 6-months to say that unfortunately "go and talk to the merchant which is out of business for months"7) Now they claim that they have sent me messages - only messages were responses to Revdex.com and [redacted] complaints saying "that they are still working on it".I am not sure whats taking so long- when all they need to do is to contact the merchant deduct the fundsAnd the case if resolved - if the merchant is responding its going to be forged documents without any details to support their case - such as work delivery, contacts, my IP address for all the payment submitted and so on.I am very dissatisfied with 5/and I will be filling more complaints to follow as well as ripoff reports so that others could see how 5/is handing the disputesI have a good belief that funds ended up in 5/and is basically not being released back to me, or the error resolution was not followed as it should haveSo I will need to outline this to Federal reserves and [redacted] in a new complaint (it looks like these organizations keep filling against them nonstop for the ongoing violations).How would you feel if your account was billed $6000, the merchant would be delaying to respond until the last moment, and the bank would say "welltoo bad for you".Sincerely, [redacted]

[redacted] [redacted] * [redacted] *** Date: October 4, Account: [redacted] Regarding Your Mortgage Loan Dear [redacted] : We received a copy of the complaint you submitted to the Revdex.com regarding your mortgage 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 this matter may have caused youAfter a thorough review, we submitted an update all four (4) credit reporting agencies to remove the delinquency that was reported for July Please allow thirty (30) days for the credit reporting agencies to update their reportingIf you would like to contact the credit reporting agencies directly, their contact information is listed below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### 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., ETSincerely, Elizabeth D.Office of the President Pc: Revdex.com

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint Hi, Prior to opening the account I asked what the requirements were and was told I needed debit transactions and a $deposit by the end of the 2nd statement closingI asked multiple times if I would receive the bonus and was told "yes, you've met the requirements and need to wait until days had elapsed" If someone told me I needed a $average daily balance instead, I could have easily deposited $100k to bring my average balance upBut since I was told to just wait until the time had elapsed to receive the bonus, I did no such thingAs a brand new Fifth Third customer who was looking to build a long term business banking relationship, this really puts a bad taste in my mouth and I'm reconsidering that relationship completelyI would hope you'll still honor the bonus as a goodwill gesture and to facilitate a long-term relationship with Fifth Third, especially since the confusion was generated by Fifth Third 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 Fifth Third bank has not sent any additional information regarding my complaintsTheir response appears that they haven't even read my complaintThey have NOT stated how it is possible they have sent me two checks, yet only have record of oneThey state I have not provided additional information, but they will not respond to what I have specifically stated in my responseTheir agents over the phone can verify these payments made, and checks sent, yet the person handling their Revdex.com complaints doesn't have access to this same information, to logically respond to a complaint of a customerThey can consider this matter closed - a good customer extremely dissatisfiedIf they can't even read through a complaint, and provide actual information in regards to it, I have no interest in continuing this back and forthThis is not a reputable company that can back anything up, or even attempt to resolve a complaintI will not accept their response as it is clear they have not actually read anything I've sent - as they have not answered anything regarding my account informationWith that, it is clear I cannot trust this company with my information either.For me, this matter is not closed and I have no issue containing to state what a terrible, untrustworthy company this isUnless they would like to provide actual insight into my complaint and how they could not have this information, even after sending me a check, I need no further communication from them Regards, [redacted]

[redacted] [redacted] *** [redacted] *** Date: September 22, Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Business Checking Accounts Dear [redacted] : We received a copy of the follow up complaint filed with the Revdex.com (Revdex.com), concerning your Fifth Third business checking accountWe 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 May 14, We received your most recent complaint on September 16, For your records and convenience I have enclosed our prior responses dated May 27, 2015, June 9, 2015, June 25, 2015, July 2, 2015, October 2, 2015, December 29, 2015, January 15, 2016, and April 13, Please note unless you are able to provide new information regarding this matter, we will not be respond to future complaints regarding your disputed transactionsUpon receiving your most recent complaint, we contacted the Dispute Resolution Department who confirmed your dispute cases ( [redacted] and [redacted] ) have been closedPlease find enclosed the two (2) denial letters mailed to you on March 24, and July 25, Both notices state you will need to contact the merchant [redacted] Incin order to resolve your disputesUnfortunately, the activity in your business checking accounts exceeded the Bank’s Risk tolerance and your accounts ending in [redacted] and [redacted] were closed on March 2, Your third (3rd) business checking account ending in [redacted] was closed on March 4, We appreciate your patience while we researched 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., ETSincerely, Patrick S.Office of the President Pc: Revdex.com Enclosures: Prior Responses, Dispute Denial Letters

We are in receipt of your letter dated March 8, 2016, regarding the informal complaint filed by Mr [redacted] We have had the opportunity to investigate this Complaint and offer the following information.Armstrong has provided a fast, reliable broadband experience for more than yearsThroughout that time, Armstrong has annually invested millions of dollars into its network to ensure that Zoom customers continue to experience a consistent, reliable Internet connectionArmstrong has increased the speed and enhanced the value of Zoom many times since its inceptionIn fact, our speeds will be increasing once again in 2016.The new modem Mr [redacted] received is a necessary technology upgrade that will allow him to receive the faster speeds that are coming soonArmstrong provided the modems to customers free of charge since older modems are not capable of providing faster speedsMr [redacted] ’s rates did increase recently, however, this increase is unrelated to the new modem he receivedPeriodically, Armstrong must make adjustments to their prices due to increases in business costs.Armstrong is committed to providing quality service at the lowest possible cost, while continuing to invest in technologies which offer the best choices for Internet, Television and Telephone serviceArmstrong encourages Mr [redacted] to contact our Customer Service Center 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 Team

[redacted] [redacted] *** [redacted] *** Date: September 13, Account: [redacted] Account: [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted] : We received a copy of the complaint you filed with the Better Business Bureau regarding your Fifth Third Bank checking accountWe appreciate the time you have taken to express your concerns and for bringing this matter to our attentionBecause you previously filed bankruptcy, we are sending this correspondence in response to a request that we receivedThis letter is not an attempt to collect a debtWe understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience this matter might have caused youIt was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this accountPlease be assured that we contacted the relevant parties to fully research your account and passed on your concernsOn February 28, 2000, you opened the Free Checking account ending in [redacted] at our *** [redacted] Banking CenterYou were the sole owner of the checking accountThe account was closed and charged off with a negative balance on July 30, Please be aware that the Bank is not required to retain records of any transactions for more than six (6) yearsTherefore, the Bank is unable to provide you with a statement or the negative balance at the time the account was closedThe account was reported to [redacted] and was also sent to collectionsHowever, our research determined the account is no longer reporting to [redacted] If you would like to contact [redacted] to confirm that our reporting has been removed, you may contact [redacted] , on the internet at [redacted] , via telephone at ###-###-####, or by mail at: [redacted] , Consumer Relations, [redacted] *** [redacted] ***We no longer service the checking account, and Fifth Third Bank is not contacting you in regards to this debtPlease note our research determined the account was sold to [redacted] [redacted] on June 16, The Bank has been made aware that [redacted] is no longer in service or taking calls; however, they could have sold your account to another collection agencyIn your complaint, you state that a debt collector has recently contacted youYou can ask them to provide written validation, or proof, of the amount they claim you owe before making any payment arrangementsYou may also wish to provide them with your bankruptcy information so they can determine if the debt has been dischargedIn addition, you reserve the right to send the collection agency a written request to cease and desist any future telephone calls regarding the outstanding debtPlease be aware that while they may no longer make telephone calls to you upon receipt of your written request to cease and desist, the third party may proceed with further collection efforts or judgment as an industry practiceOur research also confirmed you had an installment loan with the property located as *** [redacted] as collateralThe Bank charged off this debt on March 31, The principal balance at the time the account was charged off was $6,Please note, the Bank is no longer attempting to collect this debt, and has reported the loan as discharged in bankruptcy with a zero balance owedWe appreciate your patience while we researched 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., ETSincerely, Patrick S.Office of the President PC: Revdex.com