PROCORPSA

*** *** ** *** *** *** ** ***Date: July 22, 2015Regarding Your Credit
InquiryDear
*** ***:Thank you for the letter you sent to the Revdex.com
regarding a credit inquiry done by Fifth Third BankWe appreciate the time you
have taken to document your thoughts and
concerns regarding this matter, and we
sympathize with the difficulties you are experiencing.On June 17, 2015, Fifth Third Bank received a letter from you
disputing an inquiry on your credit bureauWith the information that was
provided we were unable to locate an inquiry and sent you a letter requesting
that you submit to us a copy of the relevant portion of your credit report and
your social security number for us to assist you in the disputeOn July 7,
we received an additional letter from you which included a copy of your
credit reportAt that time I called to verify your social security number that
was omitted for the information provided and informed you that we would open an
investigation and would work to gain clarification as it pertained to your
dispute of a credit inquiry by Fifth Third BankOur investigation was
completed and a letter sent to you on July 14, I apologize that you have
not receive the letter that was sent to you on July 14, I have included
copies of both letters sent to you.As stated in the letter dated July 14, our investigation
revealed the following information about the inquiry made by Fifth Third Bank
On October 22, 2014, we received a vehicle installment loan application on your
behalf from Chevrolet of MontebelloWhen we initially processed your
application for a loan with the Bank, your application was declinedHowever,
since you did not qualify for a loan at Fifth Third Bank, we forwarded your
application to our partner bank, Santander, to determine if you would qualify
for a loan with them and you were approvedHowever, the loan was not accepted
and no loan was opened for you by Santander in regards to this credit inquiry
If you have questions regarding your application with Santander, please contact
them directly at ###-###-####Any representative would be happy to assist
you.With the information included in this letter as well as past
letters sent to you about the inquiry, we are hopeful that you have a better
understanding of the inquiry made by Fifth Third Bank in October 2014.If 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,Beth
H.Office of the PresidentEnclosure (2): Prior two
letters

Revdex.com*** *** Marketplace Resource Consultant RE: Complaint ID ***Fifth Third Bank*0*Kingsley DriveMD 1MOCOPCincinnati, OH 4*263Re: My Business Checking Account:As I stated on the phone with your corporate office as well in the complaint to the Revdex.com that I was under the impression that my Business account and my personal account were linked together At the time that the first overdraft occurred, I check my balance however, both accounts include my full name, I made an error and used the wrong card causing me to overdraft; however , at that time I had adequate enough funds to cover the over-drafted amount in my personal account As a new business owner coming to bank with your corporation this was overlooked and I was not swith any overdraft protection, when in fact I thought that I was as I opened both accounts simultaneously.When I contacted the office to make arrangements for the money that I over drew they informed me that the fee’s were in excess of $From my history you can see that I make a large deposit once each month I am saying an error occurred, however; it should not costs me three(3x) that amount to straighten my business account out I think that it is delusional for a young mother starting her business to occur such charges that can ruin my new business rather than mediate and come up with a solution that is feasible for both parties involved I wish I would have read the reviews prior to opening an account Based on the last reviews of your bank, you were sued and fined for these same overdraft fees and issues At this point I am trying to make an attempt to come to a resolution that is affordable so that I can continue baking with your company.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? * If not, why? * Has the company met the agreement they outlined in their response?As of today the fee’s have not stopped The bank says that they are only able to waive (3x$37.00=$111.00) and that is all they could do in a one year period I do not have $ I was willing to pay the amount owed ($172.96) even twice $172.96+172.96=$24* But I can’t pay the amount owed plus four 1/times that amount No further agreements have been entered into as of today.*** ***Dba: “*** ** *** * *** *** Acct----***Cc: Lisa S. Consumer Resolution Specialist Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12490942, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

Consumers should be aware that the "lost" payment category data in electronic form is available at their local 5/3rd branch office, where I ultimately obtained mine just before 5/3rd responded to the Bureau

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'd like to add that the card was not connected to my account and fifth third should have never allowed this to happen and the security question that was asked was partially answeredIf someone knows my address then obviously they would know the city and state I signed up at the representative should have asked for street names not just city and stateMy account was not protected by Fifth Third. I have attached a photo of what cards were linked to my account as you can see *** is not on my account according to Fifth Third.
Regards,
*** ***

*** *** *** *** *** *** ** *** ** *** Date: August 31, 2016 Account: *** Regarding Case Number *** for Disputed Authorizations Dear *** ***: The Revdex.com forwarded your additional comments to Fifth Third Bank (“the Bank”) for reviewI appreciate this opportunity to address your concerns. Please be advised that we stand by the information provided to you in the previous letter dated August 19, I have enclosed a copy for your reviewThe other *** authorizations you disputed were never presented for payment meaning the funds were never withdrawn from your account by ***Because they did not post to your checking account, this claim is considered closed and no further credits will be given to the account. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused youIf I could be of further assistance to you, please call me at 513-358-0858, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com Enclosure: Copy of recent letter

Hello: We believe we have addressed the customer’s concerns in our prior eight (8) responsesThey have provided no new information in their complaintWe will not be sending another written response, unless the customer can provide new details to their complaint. Thank
you, Jennifer Jennifer LC.Fifth Third Bank, Office of the PresidentKingsley Dr.Cincinnati, OH 45263MD 1MOCOP

*** ** *** *** *** *** ***
*** ***
*** *** ** *** Date: September 30, 2015 Account: *** Regarding Your Overdraft Fees Dear *** ** ***: We received a copy of your complaint submitted to the RevDex.com concerning the overdraft fees you recently accrued on your checking account ending in ***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 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 BankIt was certainly not our intention to cause you any difficulties or frustrationWe strive to provide an exceptional experience to our customers with each interaction, 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. If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account has a negative balanceWe do not assess overdraft fees on pending transactionsThe Bank processes transactions at the end of each business day in the following order: ? Credits and deposits made prior to the end of day cutoff time ? ATM and debit card transactions in the order they took place ? All other debits, including checks and electronic bill payments, in the order of highest to lowest amount ? Fees and service charges Our research determined that when viewing your pending transactions the evening of September 21, 2015, your balance would have shown positive $7.18, as you referenced in your compliantAccording to our records, the posted debit card transactions for that business day, which totaled $114.04, were processed in the following order: 09/17/*** *** ** $18.00 09/17/*** *** *** ** $12.00 09/17/*** *** *** *** ** $24.41 09/18/*** *** *** ** $20.01 09/18/*** *** *** *** ** $8.55 09/18/*** *** ** $9.57 09/19/*** *** ###-###-####, ** $13.00 09/20/*** *** ** *** ** $1.90 09/20/*** *** *** *** ** $6.60 Your balance the business day prior ended at $When the pending items listed above posted on September 21, 2015, combined with the automatic payment to *** *** for $325.06, the account became overdrawn ($300.90)ACH payments are processed the business day they are authorized by the third party, and do not show as pending like a time-stamped debit card transactionWe regret the inconvenience this matter may have caused you, but as the customer you are in the best position to know if items you have authorized, either by debit card or automatic withdrawal, have cleared your checking account by utilizing a checkbook registerDue to no bank error being found in our research of this matter, we are unable to refund your overdraft fees. Included with this letter you will find a copy of our Rules and Regulations, as well as information titled Fifth Third Overdraft Solutions for ConsumersPlease review this document, as well as the Rules and Regulations for more information about Overdrafts and how items may post to your accountIf you have any questions, please contact myself, your local branch, or a customer service professional at ###-###-####, Monday through Friday, a.mto p.m., Saturday, 8:a.mto p.m., ET. *** ***, it was certainly not our intention to cause you any hardship and 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., ET. Sincerely, Sarah S. Office of the President Pc: Revdex.com Enclosures: Fifth Third Overdraft Solutions for Consumers Rules and Regulations

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. I encourage Fifth Third to improve their review processes for their Bank Protection Department to ensure that customers who are not committing fraud are not incorrectly accused of committing fraudI also encourage Fifth Third to educate representatives at the Office of the President on legal matters such as escheatment, which was incorrectly cited as the reason for my account balance's disappearance in a 1/29/letter.The bank's 2/13/response is satisfactory. The bank is now returning my checking account balanceThere will be no need for me to pursue further redress
Regards,
*** ***

*** ** *** *** *** *** ** ***Date: June 17, Account: ***Regarding Your Installment LoanDear *** ** ***:We received a copy of your complaint filed with the Revdex.com, regarding the vehicle title for your closed installment loan accountWe
appreciate the time you have taken to document your 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 inconvenience this matter may have caused youWe strive to provide professional and accurate service to our customers, and we regret if that has not been your experience.On June 30, 2014, a payoff in the amount of $8,was posted to your installment loanAs a result, your account was closed on this datePlease allow up to ten (10) business days for the title or lien release to be processed and additional tine for mailingOn July 8, 2014, the title for your vehicle was mailed to the ‘*** *** *** *** ** ***’ address on file for your installment loan.Fifth Third Bank has partnered with ** *** *** to process title and lien requests for our auto loan customersThese services include the following:Lien releasesState to state title transfersDuplicate titlesTitle name changes (not related to a Bank error)It should be noted that a charge is assessed by ** *** *** to complete the maintenance requests noted above.On June 8, 2015, you contacted the Bank and updated your address to ‘*** *** ***, *** ** ***’We sympathize with the difficulties you have encountered regarding your closed installment loanTherefore, a duplicate vehicle title was ordered at no charge to you on June 15, and will be sent to the updated address on filePlease allow additional time for processing and mailing.*** ***, please be assured that it was not our intention to cause you any hardship or frustrationYou were a valued customer and we hope that you will consider the Bank for your financial needs in the futureIf I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, a.mto p.m., ET.Sincerely,*** ***Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

*** *** *** *** *** *** ** *** Date: July 20, 2017 Account: *** Regarding Your Request for a Debit Card Dear *** ***: We received a copy of the complaint you filed with the Revdex.comI also appreciated
the opportunity to speak with you. I understand your frustration related to the delay in receiving a new debit card and I am sorry for the inconvenience this matter caused youWe strive to provide quality service to our customers, and I apologize that we failed to meet your expectationsI see that you have successfully logged into your accounts onlineIn addition, you have received and activated your new debit card ending in 8945. Please be assured that Fifth Third Bank takes your feedback seriouslyYou are a valued customer and if 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

*** *** *** *** *** *** *** *** ** *** Date: January 21, 2016 Account: *** Regarding Your Installment Loan Dear *** ***: We received a copy of the additional complaint you filed with the Revdex.com concerning your installment loanWeappreciate the opportunity to respond to this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused youHowever, we stand by the response conveyed to you in our previous letter sent to the above address on January 11, Our position on these matters has not changedAs we mentioned in our previous response, our review of the account has determined there was no Bank error in the assessment of the feesHowever, per your telephone conversations with the Bank, in the interest of customer service, the two (2) $NSF fees that were assessed to the account were waived. As our previous correspondence explained, it can take up to three (3) weeks to complete the Auto BillPayer enrollment process, therefore, your first Auto BillPayer payment was scheduled for October 16, However, because *** ** *** returned the payment as unauthorized, Auto BillPayer was removed from the accountIf you wish to re-enroll in Auto BillPayer for future payments, you may contact the Auto BillPayer Department at ###-###-####, Monday through Friday, a.mto p.m., ETUpon enrollment, we will also need a letter from *** ** *** indicating that we are authorized to draft from the account. 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, *** *** Office of the President Pc: Revdex.com

*** *** *** *** *** *** *** *** ** *** Date: September 14, 2016 Account: *** Regarding Your Fifth Third Bank Essential Checking Account Dear *** and *** ***: We received a copy of the complaint you filed
with the Revdex.com and the Consumer Financial Protection Bureau regarding your Essential checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured we have researched this matter fullyI 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. Fifth Third Bank processes transactions at the end of each business dayThis does not include Saturdays, Sundays, and Federal HolidaysTransactions are posted in the following order: Credits and deposits made prior to the end of day cut-off time as detailed in our Funds Availability Policy. Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are authorized. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. Fees and service charges Debit card and Automated Teller Machine (ATM) transactions are time-stamped debits and are pre-authorized at the time of use, and will show as pending until they are postedBecause time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorizedChecks and electronic Automated Clearing House (ACH) payments are batch debits that are not pre-authorized by usThese transactions do not include a time-stamp and will not show as pending during the dayChecks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized to be paid. I have enclosed a copy of our current Rules and Regulations for your reviewPage twelve (12) provides additional information regarding our overdraft calculation orderWe recommend that customers keep a ledger to track all transactions, including checks they have written, so that they can know if there are items that have not posted and can plan accordingly. An overdraft occurs when you do not have sufficient funds in your account to cover a transactionFifth Third Bank checking account customers have the ability to enroll in our two (2) overdraft related services, Overdraft Protection and Overdraft CoverageOverdraft Coverage allows a customer to access funds beyond the balance in their accountEffective June 11, 2010, per federal regulations, customers have the ability to oor opt-out of Overdraft Coverage for one-time debit card and ATM transactionsIf a customer opts-out, the card will automatically decline if there are insufficient fundsHowever, if a customer opto Overdraft Coverage and allows their debit card to be approved beyond the balance in their account then overdraft fees may be assessedOur research determined you have declined Overdraft Coverage. Overdraft Coverage does not apply to checks and ACH paymentsIf a check or ACH payment is presented against your account with insufficient funds, the item may be assessed an overdraft fee, or returned and charged a $returned item feeOverdraft Protection is a service which links another deposit account or credit card to your checking accountIf you had insufficient funds in your checking account, and the available funds were in the linked deposit account or credit card, the funds would be automatically transferred from the deposit account to your primary checking accountPlease find enclosed a copy of your checking account statements dated June 10, 2016, through August 11, In addition we have enclosed a copy of the activity in your checking account since your last statement cut on August 11, Enclosed for your convenience are the overdraft notices mailed to you since June 6, Please use the enclosed documents as verification there was no Bank error in the order your transactions have posted to your account. After receiving your complaint, we reviewed the overdraft fees that have been assessed to your checking account and also the amount that have been reversed back into your checking accountOur research determined that $in overdraft fees were reversed within the Bank’s overdraft guidelinesOur research was unable to uncover a bank error resulting in your checking account being assessed overdraft feesTherefore, the Bank is unwilling to reverse the remaining overdraft fees on your checking account. Our research determined that you contacted the Dispute Resolution Department on September 7, 2016, and requested a hold be placed on your accountPlease note a hold has been placed on your account; however, you did not file a dispute of unauthorized transactionsAfter reviewing the enclosed documents, please contact our Dispute Resolution Department to open an investigation on your fraud claimsA representative can be reached at ###-###-####, Monday through Friday, a.mto p.m.; Saturday, 8:30 a.mto p.m., ETUpon completion of the investigation, the Dispute Resolution Department will inform you of the findings of their investigationIf the charges are found to be unauthorized, the Dispute Resolution Department will reverse the overdraft fees caused by the unauthorized transactions. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides additional information related to the overdraft fees that were assessed to your account, and ways to track your balance to help avoid overdraft fees in the futureInformation regarding overdraft coverage options is also provided on the enclosed documentPlease feel free to contact me at the number below should you have any questions regarding the enclosed reference guideI would be happy to assist. Thank 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 contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Consumer Financial Protection Bureau, Revdex.com Enclosures: Rules and Regulations, Statements, Overdraft Notices, Overdraft Solutions Brochure

*** *** *** *** *** *** ***, ** *** Date: November 15, 2016 Account: *** Regarding Your Fifth Third Bank Account Dear *** ***: We received a copy of the complaint you filed with the Revdex.comWe are sorry to
hear about the difficulties you have experienced in trying to resolve this matter and we appreciate the time you have taken to document your thoughts and concerns. A cash withdrawal for $was debited from your checking account on September 12, Upon receiving the information that you did not receive the cash, our Disputes Department opened the case number *** and issued a provisional credit of $to the checking account on September 12, While we strive to resolve all investigations as quickly as possible, it can take up to thirty (30) days for an investigation to be completedThe credit was removed on October 21, 2016, when the ATM was found to be in balanceA notice was also sent to the address above informing you that the dispute was resolved. You contacted the Bank to question this resolutionAfter further review, the investigator located the overage and a $credit was issued to the checking account on November 4, This credit is considered final and a notice was sent to you that same dayYou withdrew the balance in the account and it was closed at a zero (0) balance on November 5, 2016. Please be assured that Fifth Third Bank takes your feedback seriously and I appreciate this opportunity to respond to your concernsYou were a valued customer and we would like to offer our sincere apologies for any inconvenience this matter may have caused 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

HiI would like to bring to the notice of the president's office about the history of my accoiuntMy first payment (very first) was made through my checking account with *** ** ***I got the autobill pay setup by sending documents signed that had my account number and wiring numberI thought everything is setupI found that it did not get setup when someone from fifth third called me in september to indicate my payment has missedSo I told the collection department to setup months paymnent since auto bill pay did not get setup as I thought it would have beenThen suddenly auto bill pay kicked in and two payments started geting drawn out every monthThat is when I had to ask *** ** *** to get one of my payments backSo because of some communication error, I have been penalized for late payment two timesKindly refund my late payments of dollars two time that I have been charged till nowThat would make me a happy customer of bankOnce again thanks for refunding my NSF fee regards*** 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 think the amount charged is excessive, ok charge me for $once but I had enough to cover the other amounts and you could have adjusted that and made it right, my wife has been customer of yours her whole adult life, yearsIs that how you treat loyal customers. You charge them excessive fee amounts that are higher than the amount that came through...Please refund the other amounts.... 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,
*** ***

*** ** *** *** *** *** *** ** ***Date: July 22, 2015Account: ***Regarding Your Mortgage Loan PaymentDear *** ** ***:We received a copy
of your complaint submitted to the Revdex.com concerning your mortgage loan payment from July 16, Please be assured that Fifth Third 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 inconvenience or frustration the payment transfer issue may have caused youAdditionally, I regret the difficulties you experienced at our *** *** Banking CenterAt Fifth Third Bank, we strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsPlease 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’ satisfaction.We have researched the issue surrounding the payment transfer of $1,from your Established Checking account ending in *** to your Mortgage Loan ending in ***We apologize that the payment transaction duplicated when it was processed, as well as for our inability to retract the amount of $immediately due to system limitationsAccording to our records, a $reversal has been processed on July 17, 2015, and posted back to your checking account ending in *** on July 20, 2015.*** ***, 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 PresidentPc: Revdex.com

*** ** *** *** *** *** *** ** *** Date: August 22, 2016 Application #: *** Regarding Your Mortgage Loan Application Dear *** ** ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding
your mortgage loan applicationWe 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. We received your application for a mortgage refinance on May 25, It is my understanding that you were shopping around to obtain the best mortgage rate possible, which is encouragedYou requested that we offer an interest rate discount to match a competing offer that you received from a credit union. We honored the request to price match and as a result, the interest rate offered to you by the Bank was 3.875%, which included the discountYou agreed to this and locked in the interest rateEnclosed for your reference is a copy of your signed Intent to Proceed disclosure, your signed Pricing Agreement that locked in the interest rate, and your signed application fee disclosureYour application for credit was conditionally approvedWe continued to process your loan, including ordering the title work from the title company you selectedWe also ordered an appraisal, which you later cancelled. You later contacted Mortgage Loan Originator Anthony Wand stated that you saw on the news that mortgage interest rates had lowered so you wanted us to lower your locked interest rate furtherPlease note that Fifth Third Bank’s policy to float down an already locked interest rate is that the interest rate must drop a full .375% before we will lower our interest rate to matchMrWprovided you with this information and explained he would monitor our mortgage interest rates to verify if it was ever lowered by the .375% required to float down the interest rate you already locked inThe interest rate did not drop by the amount required for us to float down your interest rate. On June 14, 2016, you contacted MrWand explained that a different bank offered you an eighteen (18) year loan with a fixed 3.7% interest rate, $closing fee, no escrow account, and a $730.00 monthly paymentMrWasked if you wanted to withdraw or cancel your loan application with the BankOn June 17, 2016, you faxed in some of the documents that MrWylie requested from you for the loan applicationHe asked if you were going to cancel the loan or proceed, and you advised you wanted to proceedHowever, you did not complete the remaining required conditions and you requested we cancel the loan on August 4, 2016. Please be advised that the $application fee is not an appraisal feeIt is a fee for processing the applicationAdditionally, you were eligible to have the $returned to you as a credit toward your closing costs when the loan closedHowever, you did not close on this loanYou signed and agreed to the fee, as well as signed the intent to proceed documentationWhile you cancelled the appraisal, the Bank continued with the other work required to process the loanFor this reason, we are unwilling to provide you a refund for the $application feeI am sorry for the distress this may cause youWhile we would have liked to book and service your mortgage loan, we are glad to know that you were able to obtain a loan elsewhere with more favorable terms. 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 T.Office of the President Pc: Revdex.com Enclosure: Pricing Agreement, Intent to Proceed, Application Fee Authorization

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. It will take days for it to be reflected on my credit report, and I would like to keep this open until I have seen the update
Regards,
*** *** ** ***

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 They are crediting my account for the late fees in the name of "customer service"
They still have yet to prove that I actually received the statements in question. Based on their assertion, once they drop the monthly statement in the mail, it is assumed that it is delivered and they are no longer responsible. If that is the basic premise, then once I drop a check in the mail, it must be assumed that 5/Bank received the check and my account should be credited accordingly. Hmmmm...I wonder....how would they know what to credit my account if the check never arrived??? I know...they should call me to get the check number, date that it was mailed and the amount! Hmmmm.....I wonder....how would I know how much and when to pay if the statement never arrived???? It's like a casino...the odds are stacked in the banks favor! As a second point, what happens if I don't have an iPhone, cell phone or access to a computer? Once again, the bank is off the hook since it's not their responsibility to make sure I know how much or when to pay the bill.If they look at the payment history, when I receive a statement, the bill is paid on time. However, in some months I make payments since I'm guessing what the payment should be or remember that the bill has never arrived and called customer service to find out what the payment should be in that period. Rest assured, that I have marked my calendar as to when the monthly payment should be made...AND...then to call the customer service department to ask them about my minimum payment. What great customer service!!! NOTFunny.....I never seem to have this issue with any bank of credit card company except 5/3!!!!Basically, I still feel as though I should not be assessed $interest penalties in each of the missed months since they have yet to PROVE I actually received the statements in question
Regards,
*** *** PS - it's been said that one happy customer will tell one other person about their great experience. However, one unsatisfied customer will tell other people about their horrible experience. Think about it!!