PROCORPSA

*** ***, We have provided a written response to this customer’s complaint and his initial rebuttal. This additional rebuttal does not provide any additional information and we stand by our previous responses.Therefore, we will not be responding to this second rebuttal. Thank you,Lisa S.| Fifth Third Bank Consumer Resolution Specialist| Office of the PresidentKingsley Dr, MD 1MOCOP, Cincinnati, OH

*** *** *** *** *** *** *** *** ** *** Date: April 16, 2018 Account: *** Regarding Your Checking Account Dear *** ***: We received a copy of the complaint you filed with the Revdex.com regarding your checking
accountWe appreciate the time you have taken to document your thoughts and concerns. 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 within the BankI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We have completed a review of your account ending in ***Our records indicate that your payments to *** *** are drafted by the merchantAs a result, Fifth Third Bank is unable to make changes to these payments, including adjusting the amount or suspending them for you on a temporary basisAny changes, such as reoccurrence, billing date, or billing amount, would be initiated by the merchantWe regret any difficulty this may cause you. Please be assured that if any payments from *** *** were not authorized, we would be happy to assist you with disputing the chargeTo file a dispute claim, please contact our Dispute Resolution Department at telephone number ###-###-####, Monday through Friday, a.mto p.m., and Saturday, 8:a.mto p.m., ETIf you wish to stop a single payment, you may also request that a stop payment be placed against itIt should be noted that a stop payment request is not guaranteed and a fee of $is assessed per requestA stop payment request can be initiated at your local banking center or by contacting our Customer Service Department at ###-###-####, Monday through Friday, a.mto 8 p.m., and Saturday, 8:a.mto p.m., ET. We have also reviewed your fee waiver requestPlease find enclosed a copy of our Deposit Account Rules and RegulationsOn page fifteen (15) it is explained that an overdraft/return item fee is assessed whether we pay or return a debitThis means that if a debit is presented for payment and you do not have sufficient funds to cover the item, your account will be assessed a fee even if the item is not paidAs overdraft fees in the amount of $each were reversed on January 4, 2018, and January 30, 2018, we are not willing to waive additional fees at this time. Thank 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., ET. Sincerely, Jennifer M.Office of the President Pc: Revdex.com Enclosure: Deposit Account Rules and Regulations

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 Customer called stating the charges have been reversed, however she is concerned that there appears to be someone at the bank branch that has access to the ATM and this may cause problems in the futureShe has her money back and she's happy about that, however she doesn't feel that her concerns about security and safety at the branch ATM have been addressedWould like an additional response/explanation.
Regards,
*** ***

*** ** *** *** *** *** *** *** ** *** Date: March 2, 2016 Account: *** Regarding Your Checking Account Dear *** ** ***: We received a copy of the complaint filed with the Revdex.com regarding your
checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. When you initiate a transaction using your debit card, the merchant sends the transaction to Fifth Third Bank for authorizationIf the transaction is approved, the authorized funds are placed on hold and appear as a pending transaction, ensuring the funds remain available to the merchant until they finalize the transactionThis pending transaction will affect your available balanceA debit card transaction will post to your account when the merchant sends through their sales draft, which may be on a date different than the date of the actual transactionWe do not determine when a merchant will send their sales draft and therefore do not know when a debit card transaction will post to your checking accountHowever, if a transaction is cancelled, the authorization may stay on the checking account for up to five (5) business days. According to your complaint, an authorization was completed on your debit card connected to your checking account ending in ***The transaction was cancelled and you were requesting that the funds being held for that transaction be placed back into your checking accountWhen your complaint was received, I reviewed your checking account and the only pending transactions that were listed were completed on February 20, It appears that the pending transaction that you were referring to in your complaint was already released by the time we received your complaintOur review of your account also determined that your checking account did not receive any overdraft charges during this time. It was certainly not our intention to cause you any inconvenienceThank you for your business with Fifth Third Bank and we look forward to servicing all of your banking needs for many years to comeIf I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####. Sincerely, Lisa S. Office of the President Pc: Revdex.com

We have reviewed the customer’s rebuttal and determined no new information has been providedThe Bank has consistently responded to *** *** concernsUnless the customer can provide new information regarding his disputed transactions, he will need to work with the merchant I have
attached our last responses to the customer for your records. Thanks Pat S.Customer Care Team SpecialistFifth Third Bank | Office of the PresidentKingsley DriveMD 1MOCOPCincinnati, OH

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. For your reference, details of the offer I reviewed appear below
I was contacted again by Armstrong last weeki did inform them that there have been no slowdowns since their last visitMy complaint remains that during the past 6-months prior to the last visit Armstrong denied they had an issue and did not address the problemI had called in at least three times over the past 6-months complaining of the slowdown and describing it in detail but Armstrong was unresponsive and denied any issuesNow suddenly after contacting the Revdex.com the issue seems to be resolvedI believe I am entitled to an additional two months of credit based on the fact that on several occasions I did not receive the services I have contracted and paid forDuring these slow downs the internet was unuseableThe representative that called last week was aware of all of these claims and agreed that some additional credit was due and said he would check with his supervisorNow armostrong is trying to close the case without addressing the credit
Regards,
*** ***

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.
Regards,
*** ***

*** * *** *** *** *** ** ***Date: December 18, Account: ***Regarding Your Checking AccountDear *** * ***: We received a copy of the complaint you filed with the Revdex.com concerning your checking account We
appreciate the time you have taken to express your concerns regarding this matter. Please be aware that this account was sold to *** for collection efforts on June 16, We no longer service the account *** has gone out of business and we are unable to determine to whom they may have sold the account Therefore, we are unable to further assist you with this account If you received correspondence from another company about the debt, you may want to contact them for further information about the account At the time we sold the account to ***, a balance of $was due In addition, a charge off fee of $was assessed to the account at that time Enclosed please find a copy of the last statement for your checking account If you would like to contact the credit bureaus directly, their contact information can be found below:• *** ###-###-####• *** ###-###-####• *** ###-###-####• *** ###-###-####We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this 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, Carolyn G.Office of the President

*** *** *** *** *** ***, ** *** Date: April 7, 2016 Account: *** Account: *** Regarding Your Checking and Credit Card Accounts Dear *** ***, We received a copy of the complaint you filed with the Revdex.com,
regarding the overdraft fees assessed to your checking account and the payment information provided to the credit reporting agencies for your credit card 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 situation may have caused youPlease be assured that I have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concernsWe strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. Your credit card account is considered delinquent if we do not receive the total minimum payment by the due date indicated on your monthly statementShould your account remain past due for payment, the credit card may be subject to late charges, delinquency information reported to the credit bureaus, and be cancelled for further usageDuring that time, our Collection Department will attempt to notify you via the telephone numbers and mailing address we have on file for you. On January 5, 2016, a minimum payment of $1,was due for your credit card, which included the past due amount of $A payment in the amount of $posted to the account on December 23, No additional payments were posted to the account prior to the due dateAs a result, the minimum payment due was not satisfied and a late charge for $was posted to your credit card on January 6, 2016. On February 5, 2016, a minimum payment of $1,was due for your credit cardThe minimum amount due included a past due balance of $On January 13, 2016, your payment for $posted to the accountUnfortunately, this payment was not enough to satisfy the minimum amount dueTherefore, a late charge of $was assessed and posted to your credit card on February 8, The account was also revoked and cancelled on this date, due to remaining past due for two (2) consecutive statement periodsIt should be noted that the payment noted above is the last amount received and posted to your credit cardIf you would like to determine if hardship assistance may be available to you, please contact our Loss Mitigation department at ###-###-####Representatives are available to assist you Monday through Thursday, a.mto p.m., Friday a.mto p.m, and Saturday a.mto p.m., ET. We have completed our review of the information provided to the credit reporting agencies for your credit card. Our review determined that the information provided to the credit reporting agencies concerning late payments for your account is accurateWe regret any frustration this may cause you, however we are required to report accurate information to the credit reporting agencies and we are unable to change our reporting unless it directly relates to a bank error. If you would like to contact the credit reporting agencies directly, their contact information can be found below: * *** ###-###-#### * *** ###-###-#### * *** ###-###-#### * *** ###-###-#### Your credit card is connected to your checking account as overdraft protectionAs a result, funds from your credit card may be transferred if your checking account becomes overdrawnOne (1) overdraft transfer charge of $is assessed per occurrenceThe overdraft protection transfer amount is posted to your credit card as a cash advance and subject to the cash advance rate on your account. If there are not enough funds available for an overdraft protection transfer to be completed, overdraft fees may be assessed to your checking accountAn overdraft fee is assessed for each item that posts while the account is overdrawnWe do not assess overdraft fees on pending transactions or a daily overdraft chargePer item overdraft fees will not be assessed if your account is overdrawn by $or less at the end of the business day. The amount of the per item overdraft fee is based on the number of times your account has become overdrawn in the last twelve (12) monthsFor the first (1st) overdraft occurrence, you will be charged $per itemFor each additional occurrence, a $per item fee will be assessed. On March 21, 2016, the beginning balance for your checking account was negative ($64.58)A debit card return for $posted and was credited to your accountNine (9) transactions totaling $posted to your accountTherefore, your ending account balance was negative ($472.99)Unfortunately, because the card being used for overdraft protection had been revoked, we were unable to pull funds from that account to cover the overdraftsAs a result, five (5) overdraft fees totaling $were assessed to your account and posted the following day. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulationsThe Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraudOn the day of your deposit, a combined $from all deposited checks is available immediately; the remaining funds will be made available on the next business dayCash deposited into an account is immediately available. For deposits made on Saturday, Sunday, or a Federal Holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal HolidaysDeposits received after certain cut-off times may be credited as of the next business day. In some instances, we reserve the right to place a hold for a longer period of time on a depositThe full amount of the deposit will not become available until the hold has endedAvailability of the funds will generally be no later than the seventh (7th) business day after the day of your depositFor your convenience, I have enclosed a copy of our Rules and Regulations Applicable To All Fifth Third Consumer And Business Banking Accounts And Cards booklet for your reviewPlease refer to pages seventeen (17) through nineteen (19), which provide additional information regarding funds availability policy. On March 28, 2016, an Automated Teller Machine (ATM) deposit in the amount of $5,posted to your checking accountIt should be noted that the deposited check was not drawn on a Fifth Third Bank accountA hold was placed on this deposit due to the repeated overdrafts that had occurred on your checking accountIn the twelve (12) months prior to this deposit, your account had become overdrawn on forty-three (43) occasions. The following day, a notification letter indicating the reason for the hold was mailed to the address on fileAs explained on that letter, the full amount of this deposit is scheduled to become available to you on April 6, 2016. It is important to ensure that your checking account has sufficient funds to cover the transactions you have authorizedHowever, we sympathize with the difficulties you have encountered regarding your checking and credit card accountTherefore, additional overdraft fees totaling $were reversed and credited back to your checking account on April 5, 2016. *** ***, please be assured that it was not our intention to cause you any hardship or frustrationYou 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, Danielle S. Office of the President Enclosure: Rules and Regulations booklet Pc: Revdex.com

*** *** *** *** *** *** ** *** Date: February 12, 2016 Account: *** Regarding Your Stand Up Cancer MasterCard Dear *** ***: We received a copy of the follow up letter you sent to the Revdex.com regarding your Stand Up Cancer MasterCardWe appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. We received your second Revdex.com complaint on January 28, As stated in our previous response to you on February 4, 2016, we stand by our prior responsesI have enclosed copies of our previous correspondences for your records and convenienceOur position on this matter has not changed. As mentioned in our responses dated February 4, and September 9, 2015, the Bank uses an automated system to evaluate a customer’s accountThe automated system uses information provided to the Bank by *** in relation to a customer’s credit scoreIf the customer’s credit score falls within the decrease criteria, the credit limit will be decreased when your balance drops low enough to allow a decrease to take placeTherefore, due to the information received by the credit reporting agency, your credit limit was decreased upon receipt of your monthly payment. And as we have also already mentioned in our response dated February 4, 2016, on your statement dated January 27, 2016, your credit limit was automatically reduced to $2,Based on pending authorizations, the limit decrease did result in your credit card being over the limitHowever, on January 27, 2015, you contacted our customer service department about this issueAlthough the credit line decrease was executed according to our credit line decrease guidelines, due to the pending authorizations, the Bank increased your credit line to $2,Please note, you were not assessed any fees as a result of being over the credit limit as the matter was remedied immediatelyWe are sorry for any inconvenience this may have caused. The Bank does send a notice to our customers when there is a credit limit decrease, however, you might not receive the notice prior to the effective date of the credit limit decreaseThis notice provides information about the decision to lower your credit limitI have enclosed a copy of the letter mailed to you on January 25, 2016, to alert you to the lowered credit limitPlease note that the reasons for the decreased limits are: ? Utilization on this Fifth Third Credit Card ? Derogatory Public Record or Collection Filed ? Ratio of Balances To Credit Limits on Revolving Accounts Is Too High ? Current deposit balances. Furthermore, the notice does inform you that the Bank will continue to monitor your account performance for future limit increases and decreases. Since we do not have any additional information to provide at this time regarding this issue, the Bank considers this matter closed. 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, Adam P.Office of the President PC: Revdex.com Enclosures (5): Previous Responses; Credit Card Terms and Conditions; Limit Decrease Letter

*** ** *** *** *** *** * *** *** ** *** Date: October 7, 2015 Account: *** Regarding Your Installment Loan Dear *** ** ***: We received a copy of the complaint filed with the Revdex.com concerning your installment loanWe
appreciate the time you have taken to document your thoughts and concerns regarding this matter. On September 4, 2015, we received a payment in the amount of $12,that served as the full payoff of your installment loanWe have confirmed that your installment loan was paid off and closed on September 8, You should have received our notification letter confirming that your loan has been paid off and closed with a zero balance owed. On September 22, 2015, a check in the amount of $was mailed to you for the balance that remained after your installment loan was paid off due to an overpaymentOur records indicate that you cashed this check on September 29, 2015. According to your complaint, a second payment of $was made to your installment loan after the loan was paid offOur Installment Loan Department has reviewed this matter and can only locate the payment of $that posted to your loan on September 2, Please provide proof of the second payment of $being debited from your account so this matter can be further researchedYou may mail a copy of your checking account statement or any additional supporting documentation to my attention at: Fifth Third Bank Office of the President Attn: Lisa S. Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 Alternatively, you can fax this documentation to my attention: ###-###-####. We appreciate the opportunity to research your concernsWe truly valued your business, and we certainly hope you will allow Fifth Third Bank to service your financial needs in the futureIf I could be of further assistance to you, please call me at ###-###-####, or toll free at 866-360-5353, Monday through Friday, a.mto p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com

Customer has not provided any new information, our previous response of September 10th stands (see below)Thank you. We received this additional complaint from *** ** *** This second rebuttal does not provide any additional information related to her initial complaint.We fully researched her initial concerns and provided a written response Our position on this matter has not changed and we stand by our initial response sent on September 2, (attached). Thank you, Lisa S.| Fifth Third Bank Consumer Resolution Specialist| Office of the President*** *** *** ** *** *** ** ***

*** *** *** *** *** *** *** *** *** *** ** *** Date: November 2, 2015 Account: *** Regarding Your Business Checking Account Dear *** ***: We received a copy of your complaint filed with the Revdex.com,
regarding the promotional credit for your checking 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 youPlease be assured that I have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concernsWe strive to provide professional and accurate service to our customers and we regret if that has not been your experience. On May 15, 2015, you opened a Business Standard Checking account and a Business Relationship Savings account at the *** Financial CenterThe promotional offer effective at that time indicated that a cash bonus of $would be credited to the new Business Standard Checking account if an average balance of at least $1,was maintained for the first three (3) full months the account was openThe cash bonus would be credited to your checking account within six (6) weeks of completing the eligibility requirements. It should be noted that the promotional offer was not effective for the combined balance of your business accountsThe following deposits were made when your business accounts were opened: ? $deposit to Business Standard Checking ? $14,deposit to Business Relationship Savings After further review, we have confirmed that the required average balance of $1,was not maintained in your Business Standard Checking account for the first three (3) full months that the account was openCopies of your checking account statements from May to August are enclosed for your referenceUnfortunately, your account did not meet the promotional offer criteria and was not eligible to receive the cash bonus. *** ***, please be assured that it was not our intention to cause you any hardship or frustration. You 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 *** ***. Sincerely, Danielle S. Consumer Resolution Specialist Office of the President Enclosure: Statements

*** *** *** ** *** *** *** ** *** Date: September 15, 2017 Account: *** Regarding Your Checking Account Dear *** ***: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your checking accountWe appreciate the opportunity to address your additional concerns. On behalf of the Bank, I apologize for the difficulties and concern this situation has caused youHowever, we stand by our previous correspondence that was sent to you on August 31, The correspondence was sent to your mailing address on file, and was also provided to the Revdex.comPer our conversation on August 22, 2017, I advised that you would receive written correspondence regarding your complaint about the denied disputeI attempted to contact you on September 13, 2017, using the phone number that you provided to the Revdex.comI am sorry that I was unable to reach you. Per our previous correspondence, your dispute case number *** was deniedYou disputed a $transaction to *** *** that occurred on June 1, 2017, using your debit card ending in ***You also disputed a $transaction to *** *** that occurred on June 14, 2017, using the debit card ending in ***We confirmed that your physical debit card with the ***, ***, and *** (***) chip was utilized in person for the transactionsYou stated that the debit card was stolen and those transactions were fraudulentHowever, more than twenty (20) other debit card transactions using the debit card ending in *** were also processed during this time that you did not disputeFor this reason, your dispute was denied and the provisional credits totaling $were removed from the accountThe dispute denial is final. 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: Previous Response

*** ** *** *** *** ** ** *** ** *** *** ** *** Date: December 21, 2015 Account: *** Regarding Your Essential Checking Account Dear *** ** ***: We received a copy of the letter you sent to the Revdex.com regarding your
Essential Checking accountWe appreciate the time you have taken to document your thoughts and 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 fully, and passed on your concerns to the relevant parties within the BankI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On December 3, 2015, the beginning balance in your checking account was $On December 3, 2015, three (3) items posted to your account totaling $The ending balance in your checking account on December 3, was negative ($32.64)One (1) overdraft fee totaling $posted to your account the following dayI have enclosed a copy of the Overdraft Notice that was sent on December 4, 2015, for your review. The ACH payment for $to *** *** is the transaction that contributed to the account overdraft on December 3, ACH payments, electronic checks, and paper checks are processed at the end of each business day and do not show pending against your available balance throughout the day like a debit card transactionPer Fifth Third Bank’s Rules and Regulations, transactions that post to your account are processed 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. If an account becomes overdrawn more than $5.00, we assess an overdraft fee for each item that posts while the account has a negative balance. Please be aware that, according to the Bank’s Digital Services User Agreement, to which you agreed when you accepted the terms and conditions for online and mobile banking, the Bank will not be liable for any delay, difficulty in use, or inaccuracy of informationI have enclosed a copy of the Bank’s Digital Services User Agreement for your review. On December 8, 2015, the beginning balance in your checking account was $That day, seven (7) items posted to your account totaling $per the transaction posting order explained aboveThe ending balance in your checking account on December 7, 2015, was negative ($8.91)One (1) overdraft fee totaling $was assessed the following business day due to the Progressive payment for $36.28 that initially overdrew the accountThis overdraft fee was not assessed to the $monthly service charge that posted to your account the same day, and I apologize for the confusionThe monthly service fee assessed on an Essential Checking account is always scheduled to post to your account the first business day of your new statement cycleI have enclosed a copy of the Overdraft Notice that was sent on December 9, 2015, for your review. On December 9, 2015, the beginning balance in your checking account was negative ($8.91)In addition to the previously assessed $overdraft fee, a transaction to *** *** ** posted for $6.35, resulting in an ending day negative balance of ($52.26)One (1) overdraft fee totaling $was assessed and posted to your account the following business dayThe ending balance in your checking account on December 10, 2015, was negative ($89.26)I have enclosed a copy of the Overdraft Notice that was sent on December 9, 2015, for your reviewPlease be aware that as of December 16, 2015, the balance in your checking account is still negative ($89.26)To bring the account back to a positive balance, please deposit into the account as soon as you are able. Please be aware that it is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank errorIf we receive a request to reverse fees as a customer courtesy, we are only able to reverse a limited amount of fees within a specified period of timeThe reason for this policy is that it allows us to treat all customers fairly and equallyPursuant to your previous fee waiver requests, we have reversed $in overdraft fees over the past twelve (12) months, as a courtesy to youAccording to the Bank’s policy regarding overdraft fee reversal requests, additional courtesy overdraft fee reversals are not warranted at this time. I also want to apologize for the level of service you received when you previously contacted the Bank about this matterWe strive to provide professional and accurate service to all of our customers, and we regret if this has not been your experience. If 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 PC: Revdex.com Enclosures (4): Overdraft Notices; Digital Services User Agreement

I am still waiting for communication from the business 53rd to resolve my complaint I have made additional phone calls and sent emails and still no response/resolution.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 have been contacted by a 53rd executive and was informed that they are working on a resolution to my complaint so till I hear back from them this is not resolved yet

We are in receipt of your letter dated September 9, 2016, regarding the informal complaint filed by *** ***We have had the opportunity to investigate this Complaint and offer the following information.According to our records, Mr*** contacted Armstrong in February regarding
slow internet speeds and the inability to stream NetflixAt that time, Armstrong conducted a speed test on Mr***’s modem and determined it to be in proper working orderMr*** indicated that he would contact Netflix to resolve the issueMr*** did not contact Armstrong again regarding speed issues until August 12, 2016, after he cancelled his serviceAt that time, Mr*** claimed the modem Armstrong provided him was incapable of handling the speeds he paid forHowever, in the past eighteen months, Mr*** did not report any speed issues to ArmstrongArmstrong investigated the type of modem Mr*** had and determined that it was fully capable of providing those higher speedsArmstrong encourages all of their customers to contact our Customer Service Center if they experience any type of service issue.Mr*** also indicates in his Complaint that he received an equipment charge on his final bill for failing to return Armstrong’s equipmentArmstrong has since removed this charge, and therefore considers this matter closed.Thank you for your attention to this matterPlease feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Team

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 Regarding the section which allows for attachments, I have numerous emails, MS Outlook format, which uploads are not supported hereI would be willing to forward emails concerning this complaint in a supported file format for further reviewI believe the massive amount of emails contradicts this company's response.
Regards,
*** ***

*** *** *** *** *** *** ** *** Date: June 13, 2016 Account: *** Regarding Your Mortgage Loan Dear *** ***: We received a copy of the complaint you filed with the Revdex.com regarding your mortgage loanWe appreciate
the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. 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 within the BankI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. You mentioned a concern for the escrow account that was established for the loanI have enclosed a copy of the Initial Escrow Account Disclosure Statement from the loan closingAs detailed on this document, the initial escrow disbursements were scheduled from the account as follows: ** A disbursement for *** *** on July 1, 2016, in the amount of $1,087.46 ** A disbursement for *** *** on November 1, 2015, in the amount of $1,627.00 Our review of this document determined your *** *** was originally paid as part of your loan closing in July However, this payment was also submitted from your escrow account on your original mortgageThe Bank was able to recall and refund this payment to your mortgage loan ending in ***Because the Bank was able to reverse the payment from your mortgage loan ending in ***, the payment did process from the escrow account on your new mortgage loan ending in ***. The Bank annually reviews your escrow account to ensure the account has the amount required to cover your taxes and *** payments for the upcoming yearI have enclosed a copy of the escrow analysis mailed to you on January 28, Please note page three (3) which has the prior year escrow activityThis disclosure shows the payment in October 2015, which paid your homeowner’s *** premium. The analysis statement provided you with two (2) options on how to satisfy the escrow shortage caused by your *** paymentThe first option, which you chose, allowed you to spread the shortage over the next twelve (12) monthsThis option increased your mortgage payment beginning with your March 1, 2016, paymentYour mortgage payment increased to $953.00, with $being applied to principal and interest, $being applied to your escrow account, and $being applied to your escrow shortage. During the telephone conversation you had with *** *** on June 8, 2016, you also mentioned that you are experiencing a financial hardship making it difficult for you to make you loan paymentsI want to be sure you are aware that you may be eligible for financial assistance from the BankTo determine if we may be able to offer some form of assistance form the Bank, please complete the enclosed copy of the Bank’s Homeowner’s Assistance ApplicationIf you have questions about how we may be able to help you, or if you need assistance completing the enclosed paperwork, please contact our Loss Mitigation Department at ###-###-####, option three (3), Monday through Friday, a.mto 4:p.m., ET. Thank you for your patience while we researched this matter for youWe truly value your business, 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, Patrick S.Office of the President PC: Revdex.com Enclosures (3): Escrow Analysis Statement; Initial Escrow Account Disclosure Statement; Homeowner’s Assistance Application

I want my info updated and I demand a clear explanation of why the are committing identity theft