PROCORPSA

I want my payments reducedThis bank refuses to work with me when I've encountered life circumstances beyond my controlI no longer wish to deal with fifth third bankI'm afraid everyday if I hear a door knock thinking they are coming to get my car againI have been unable to catch up on payments yet they refuse to work with me

*** ***, We received this additional rebuttal from *** ***However, the additional complaint does not provide any additional information.We have already responded to him twice regarding this matter and we stand by our previous responses. Thank you, *** ***| Fifth Third Bank Customer Care Specialist II| Office of the PresidentKingsley Dr, MD 1MOCOP, Cincinnati, OH

*** ** *** *** *** *** *** *** ** *** Date: December 15, 2015 Application: *** Regarding Your Recent Mortgage Loan Application Dear *** ** ***: We received a copy of the letter you sent to the Revdex.com regarding
your mortgage loan applicationWe 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 the level of service you received from our Mortgage DepartmentPlease be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customersAfter receiving your letter, I forwarded your concerns to the relevant parties in our Mortgage DepartmentI 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’ satisfactionHowever, I cannot inform you of any specific internal actions that may be taken. According to our records, the initial application for a mortgage loan with Fifth Third was received on October 7, According to my research, there is no record that your mortgage loan application received final approval from the Bank or that your loan was scheduled for a loan closing on October 22, On September 23, 2015, the Bank issued a Mortgage Pre-qualification letterPlease note that, as stated on the enclosed copy of that letter, a Mortgage Pre-qualification is not a commitment to lend but provides you with an estimate of how much you are likely to qualify for based upon a review of your credit report and information you provided regarding your incomeActual loan approval is conditioned upon other factors including verification of your income, calculation of your outstanding debt to income ratio, and determination of property value and condition in relation to the requested loan amount. I have provided the table below for your reference which briefly outlines the timeline of key events concerning your mortgage loan application. Date Description of Event September 23, Pre-qualification letter issued. 2015 October 6, Cathy Casto was contacted by Michael Sharamitaro to begin the loan process. October 7, Loan application date. October 8, Cathy Casto contacted you to inform you that she was taking over for Michael Sharamitaro, that he loan was transferred to her from Michael Sharamitaro because he was no longer taking new loan applications in the *** *** area. October 8, Cathy Csent the loan application disclosure package to you. October 16, Due to changes in Cathy Cposition with the Bank, the loan application was transferred to David S.. October 19, Cathy Cspoke with you and was informed that you had not received the loan application package that she originally sent you on October 8, The loan application package was sent to you a second time. October 20, The status of the application was pending until additional documentation was received, including documentation of your income, verification of your assets and funds from you that would be required to close the loanThe property appraisal was also ordered at this time. October 29, You were notified that that we needed documentation of additional funds for closing in order to move forward with your request for a mortgage loan. The property appraisal was receivedThe appraised value of the property was less than the sales price of the property. November 4, We received employment verification from your employer which showed that you were working fewer hours than what was originally stated by you when the loan application was completed. November 6, You called Cathy Cbecause the deadline for your purchase contract about to expireYou were notified by MsCthat the loan might not close because your debt to income ratio was outside of the Bank’s underwriting guidelinesYou informed MsCthat the Bank was not calculating all of your incomeMsCinformed you that the Bank would need tax returns from you, a copy of your child support award, and a copy of your divorce decree in order to document additional income for youYou informed MsCthat you had previously given all of this information to Michael S.; however, none of those documents were received by our underwriting department. November 17, The application was declined after a review of all the necessary documents. I have enclosed a copy of the letter dated October 29, 2015, which stated that the funds needed to move forward with your loan were short by $1,461.00. On November 17, 2015, your mortgage loan application was declined for the following reasons: Length of Employment Income Insufficient for Amount of Credit Requested Excessive Obligations in Relation to Income I will explain each of the bullet points above in more detailFirst, the length of time that you have been employed at your current place of employment is less than the amount of time required by the Bank’s underwriting guidelines for a mortgage loan to be approvedSecondly, the amount of income that was documented does not support the loan amount that was being requested. Lastly, your monthly recurring debt relative to your current documented income, which is also called your debt to income ratio, was also higher than the Bank’s current underwriting guidelines. While we certainly regret the inconvenience caused by the reassignments of your mortgage loan originators, our records indicated that we did not collect any fees from you, and none of the expenses that you incurred were required by the bankAs a result, we will not be refunding any of the costs that you incurred for services performed by other parties. 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 Enclosures (2): Mortgage Pre-qualification Letter; Fifth Third Mortgage Company Letter dated October 29,

*** *** *** *** *** *** *** ** *** Date: September 22, 2016 Account: *** Account: *** Regarding Your Fifth Third Bank Accounts Dear *** *** ***: We received a copy of the follow up complaint you filed with the Revdex.com 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 debt. We received your original complaint filed with the Revdex.com on September 1, We received your follow up complaint on September 15, However, we stand by the response conveyed to you in the previous letter sent on September 13, I have enclosed a copy of that prior correspondence for your reviewOur position on this matter has not changed. As we mentioned in our prior response, your checking account was closed and charged off with a negative balance on July 30, Our research determined the account is no longer reporting to ***. If you would like to contact *** to confirm that our reporting has been removed, you may contact ***, on the internet at ***, via telephone at ###-###-####, or by mail at: ***, Consumer Relations, ***, ***,**, ***.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 *** *** *** *** on June 16, 2010. The Bank has been made aware that *** 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 discharged. In 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 practice. Our research also confirmed you had an installment loan with the property located as *** *** *** 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 ($0.00) balance owed. 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, 8 a.mto p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure Prior Response

*** ** *** *** ** *** *** *** ** *** Date: May 4, 2016 Account: *** Regarding Your Installment Loan Dear *** ** ***: We received a copy of the rebuttal filed with the Revdex.com regarding your vehicle loanWe appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On April 1, 2016, we received a payment of $4,This payment brought your installment loan current and cancelled the repossession of the Ford truck held for collateralAs of today, your loan remains current with a partial payment of $due on May 18, I regret that the previous response that you received from our office provided you with an incorrect due date for your next paymentPlease be aware that your regular monthly payment of $1,will be due on the eighteenth (18th) of each month beginning in June. Thank you for your patience while waiting for an additional response while we reviewed your installment loan and we regret any frustration this matter may have caused youIf I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Lisa S.Office of the President Pc: Revdex.com

The final response letter to the customer is belowThe check will be enclosed with the letter sent in the mailThank you.*** *** *** *** *** ** *** ** *** Date: January 30, 2017 Account: *** Regarding Your Secured *** Dear ***
***: We received a copy of the complaint you submitted to the Revdex.com regarding your Secured ***We 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 youWe strive to provide exceptional service to our customers, and I am sorry that was not your experiencePlease be assured we researched this matter thoroughly 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 conducted a thorough review of your Secured *** ending in ***Our records show that the last purchase you made with this card was dated June 16, At that time, the expiration date on your card was June Our records do not show that any requests were made to send a new card to you before September 26, At the time you requested the card, you informed the agent with whom you spoke that you had a new addressThe agent informed you that if she were to update your address it would be two (2) weeks before we could send a new card due to our policy to protect our customersThe agent asked if you wanted to have the card sent to the current mailing address on file and you told her that you would like it sent to that address so you could obtain the card soonerA new card was sent to the mailing address on file on September 27, This card was not activated. When you contacted the Bank again on November 14, 2016, your mailing address was updated per your requestYou also informed the agent that you would like to pay off your card and no longer wanted a new oneThe agent informed you that your account was past due for $and a payment of $was due on December 5, In the spirit of customer service, the agent also waived one (1) late charge of $35.00. We did not receive any additional payments from you, and due to the delinquency on your card we revoked your card from further usage on November 23, On December 12, 2016, we offset your savings account ending in to pay the full balance of $This left your savings account with a balance of $Our records do not show that you were informed that we would automatically transfer the funds in your savings account to pay your credit card and that we would send the remaining funds in your savings account to you. It was certainly not our intention to cause you any hardshipPer your request, we closed your savings account on January 19, I have enclosed a check in the amount of $for the remaining balance in your account. Thank you for your patience while we researched this matterIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.m. to p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Check

*** *** *** *** *** *** *** *** *** ** *** Date: March 22, 2018 Account: *** Regarding Your Checking Account Dear *** ***: We received a copy of the complaint you filed with the Revdex.com concerning 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 the difficulties you have experienced with your checking accountIt was certainly not our intention to cause you any hardshipWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsI also want you to know that customer concerns are 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 the promotional code was not properly applied to your account at account opening; therefore, the cash bonus was not automatically credited to the accountHowever, as you fulfilled the requirements of the offer by making deposits totaling $or more within forty-five (45) days of account opening and maintained the balance for sixty (60) days, the $cash bonus was applied to your account ending in *** on March 19, 2018, in the interest of customer serviceI hope this letter meets your satisfaction and resolves your need. 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

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 Fifth third's response does not solve the problem regarding the bank's inability to maintain their ATMIf bank's ATMs are not reliable to deposit funds, then what is the point of even having them??? Several times including the day of this occurrence, I have visited this bank and found its ATMs either to be closed or our of orderI depend on the ATM during night hours to make sure I can deposit money, as I work throughout the day and cannot get to the bank until evening hoursThe second "courtesy-reversal" as you call it should not Even be considered a courtesy fee reversal as I was charged by your bank in errorThe teller gave me funds out of my account on that day, leaving me with a positive balance, yet I was charged an overdraft for that withdrawal even though I had a positive balanceI have read about this occurrence several times on the Revdex.com websiteIt appears that I am not the only customer 5/has done this to, but one of hundredsMy request was that fifth third refund all but two of the overdraft fees incurred as I only overdrew on two transactions, by time stampNot sevenI respectfully insist that further, with this locations' inability to properly maintain their ATMs, technically I should be receiving all of the overdraft fees backPlease be advised that I will be contacting state and federal government, attorneys and lawmakers regarding fifth third's unethical practices5/has gotten in trouble before for rearranging transactions, has had To pay out on settlements in class action lawsuits for this same type of behavior.
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,
*** ***

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'd also like you to look at the acct ending in *** as this account has had multiple issuesI'm still unclear as to why if the charge shows up it would disappear after a number of days, then when the balance shows up it is truly incorrect as a certain merchant has not taken our their funds and the bank has put it back making it look as if it is still thereI believe it should pend on the account until the merchant takes their funds so no confusion happens and these overdrafts don't happenI use the bank so that I do not have to personally keep up with my money as I have alot coming in and out as we have a small business, direct deposit from employers, ectWe also have children making mistakes like this very crusial since we are crunched for time daily and money is hard to come by when raising childrenNone of the bank representatives either in the bank or over the phone have helped resolve this matter as it has been very fustrating

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
A one month credit does not cover the months of poor service and unusable internet during peak hoursI contacted Armstrong at least three times over the past months to complain about this issueArmstrong always denied they had an issue and did so in a very non-customer friendly wayI know they have the software tools to trace these problemsThey should have used them instead of merely denying the problemIt was not until that last go-around that Armstrong seemingly solved the problem. I pay over $70/mo and I demand a higher level of service for that priceHaving repeated internet bandwidth issues over the past months, and often unusable Internet, is unacceptable and in my estimation is not compensated for by a one month 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,
*** ***

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 As you can see from the attached documents, Fifth Third Bank assessed late fees four times this year in the amount of $83.14.I have repeated myself enough times: I have NEVER made a late payment on this account, whatsoeverPeriod, end of story.It is not my responsibility if Fifth Third Bank has issues processing payments in a timely fashion, no is it my problem if they decide not to process payments on certain days, etcAs I have mentioned, I pay two other bills on the fifteenth of each month, which I send to *** at the same time as my Fifth Third paymentThese payments are always processed quickly, ALWAYS post prior to the twentieth of each month, and I have NEVER been assessed a late fee for these accountsIt's rather uncanny Fifth Third continually has a problem receiving their payments on time since two other companies in their same city do notSo, Fifth Third Bank can make up any nonsensical excuse or invented story they wist does not change the fact I have never paid this bill late- NOT ONCE- in the several years I've had this installment loan with this horrendous, unscrupulous joke of a company.Furthermore, I have no idea what Fifth Third is referring to when they mentioning changing my payment due dateI have attached a copy of my payment coupon which shows the due date as the 20th of each month, just as it has always beenOnce again, it seems Fifth Third is mistaken.I will reiterate my position for the final time: Fifth Third Bank will either remove all late fees they have erroneous charged me this year, or I will pursue renumeration in Small Claims court and seek additional damages to cover my court and travel fees and missed wages as a result of the appearance in court
Regards,
*** *** **

*** *** *** *** ** ***Date: August 5, 2015Regarding the Service You
ReceivedDear *** ***:We received a copy of
the complaint you submitted to the Revdex.com regarding the service
you received when you contacted the Bank about a refund check for your credit
card accountYour feedback is very important to us as it allows us to better
understand how we can improve our service to you.On behalf of the
Bank, please accept my sincere apologies for the level of service you received
when you contacted the Bank about a refund check for your credit card account
Fifth Third Bank strives to provide an exceptional experience each time you
contact us, and we regret that the service you received did not meet your
expectationsPlease be assured that your concerns have been brought to the
attention of Senior Management who will be addressing them directly with the
management in the Contact CenterHowever, I am unable to provide you with
details regarding any actions that may be taken.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,Elizabeth D.Office of the PresidentPc:
Revdex.com

*** *** *** *** *** *** ** *** Date: July 1, 2016 Account: *** Account: *** Regarding Your Fifth Third Bank Mortgage Loans Dear *** ***: We received a copy of the follow up complaint you filed with the Revdex.com regarding your mortgage loan. We 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, we would like to offer our sincere apologies for any inconvenience or frustration you may have experiencedHowever, we stand by our previous responses sent to the above address on June 13, 2016, and June 21, I have enclosed a copy of our previous written response for your reviewOur position on this matter concerning your escrow shortage; therefore, the Bank will not respond to you regarding this particular matter. As mentioned in our prior responses, an escrow account was established for the mortgage loan ending in ***The initial escrow disclosure indicated the first scheduled escrow disbursements 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 Please use the below timeline as verification of the escrow shortage in your mortgage loan ending in ***. June 25, 2015, a payoff request was processed with a good through date of July 5, 2015. July 5, The Bank did not receive a payoff for your mortgage loan ending in ***. July 2, 2015, HUD from closing shows $1,collected by the title company to pay homeowner’s ***. July 7, Check for $1,was issued to pay *** for your homeowner’s *** from the escrow account of your mortgage ending in ***. July 10, Payoff processed for mortgage loan ending in ***Payoff amount $129,Shortage due to escrow check being processed on July 7, Escrow shortage -$1,225.26. July 16, 2015, the Bank was notified that the *** payment $1,was being returned. July 20, 2015, the credit posted and a refund check for $was mailed to you. August 5, 2015, the Bank mailed you enclosed letter titled Important Information about your Mortgage Escrow Account. August 12, 2015, *** processed your $1,payment, collected at closing, and paid your AUTO ***. Additionally, *** sent you a $refund check for the overpayment of your AUTO ***. August 21, 2015, *** returned the $1,overpayment of your homeowner’s ***, this refund should have posted to your original mortgage ending in ***. October 7, 2015, The Bank transferred the $1,from your account ending in *** to settle your payoff shortage on mortgage loan ending in ***. I hope this correspondence cleared up any outstanding questions you had related to this issueWe 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: Prior Responses

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 This is *** * *** the question to the email you sent I have not received anything from Fifth Third concerning the dispute about my money ,but they took the money that they where due for the items that I purchase so they owe me for the following charges 149.49, 121.67, 143.07, in total of Thank you can you tell me whats next
Regards,
*** ***

*** ** *** *** *** *** *** ** *** Date: March 29, 2017 Account: *** Regarding Platinum *** Account Dear *** ** ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your
*** accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for the frustration and inconvenience you experienced regarding this matter. Thank you for taking the time to speak with me about your account and your concernsI attempted to contact you via telephone regarding the outcome of my research; I am sorry that I was unable to reach youYou advised that you sent three (3) checks in one (1) envelope as payment for this credit card accountYou included a note with payment instructions and your full account numberThe checks from your friends that were included with your check were payable to Fifth Third Bank and included the last four digits of your account number as wellYou advised that one (1) of your friend’s checks posted to their own Fifth Third Bank credit card, and the other friend’s check was mailed back to them. I confirmed that your $check posted to your credit card twice in errorHowever the duplicate payment has been returned back to the Bank and the extra $payment was removed from the account on March 23, As we discussed, if the duplicate check presentment caused any fees to be charged to your checking account, please provide documentation showing the fees assessed as a direct result of our error and we can issue a refund to you for those feesThe documentation can be mailed to our address listed above or faxed to my attention at ###-###-####. I reached out to our Bankcard Department to verify why the additional checks were not posted to your credit card accountWhen multiple check payments are issued in one envelope with a note, the note is not always pulled from the envelope with the checksBecause only the last four (4) digits of your account number were on the two (2) checks from your friends, the Bank could not determine by looking at those checks individually that the payment was for your account. We recommend in the future that you ask your friends to write the checks payable to you for deposit, and then you write one (1) check to the Bank for the total payment from a check with your name on itI am sorry that the note you sent with the checks was not reviewed, causing two (2) of the three (3) checks to not be applied to your accountAs we discussed, you have made arrangements with your friends for covering the payments that we did not apply. 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

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,
*** *** ***
Sirs,
Revdex.com
Dear Sirs,
My name is *** *** ***, and my complaint ID# ***
Regarding your last letter I must respond that, so far, it has not been
possible to get to any kind of agreement with the bank
My financial situation continues to be the same and does
not allow me to make any more payments
To avoid the sale of the property on Feb 29,I went to Port
Charlotte County and paid the taxes corresponding to and 2013, worth
$702.64.Then I found out that the original lot situated at ** *** ** had been divided into two lots, the second one is mine
located at ** *** ***
In the value for the original lot was $5.920, in
$14.800, in $7.920, $Please you can verify this
numbers with the *** *** County authority
I must call your attention that my lot has no electricity, no
telephone line, no cable, no water or any kind of public utilities
My complaint is that the appraisal of the property by The Fifth Third
Band over exceeded the real
market value of the property at that timeI can not possibly understand
why the bank agreed that I was charged $for a lot that had been
previously appraised by the county $at that time
I can not understand either why a financial institution incurs in
such a tremendous real estate evaluation differenceHonestly, I feel abused in
my good faith!!!
I began paying interest close to 8% and when I ceased making payments I
had already paid about $
I want the bank to explain the reason for such an absurd and
disproportional behaviorI hope the bank at least admit their wrongdoing
in this matter that I feel attempts against my rights to have a fair and
impartial financial credit
Sincerely,
*** *** ***
02/03/

*** *** *** *** *** Cincinnati, OH, 45236 Date: October 9, 2015 Account: *** Regarding Equity FlexLine Account for *** L*** Dear *** ***: We received a copy of your complaint submitted to the Revdex.com, regarding
your Power Of Attorney (POA) for *** ** *** Equity FlexLine accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. On August 21, 2015, we received the POA documentation dated January 10, you provided for your mother, *** *** ** ***However, we were notified and received written notice that your POA was revoked as of March 17, Therefore, we are unable to share any details concerning your mother’s account with youSecurity measures such as these are put in place to protect account holders from potential fraud and I apologize for any inconvenience this may cause you. *** ***, we appreciate your patience while we researched this matterIf 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 Pc: Revdex.com

*** *** *** *** *** * *** ** *** Date: March 29, 2016 Account: *** Regarding Your Essential Checking Account Dear *** ***: We received a copy of the additional complaint you filed with the Revdex.com concerning your Essential Checking accountWe appreciate the opportunity to respond to this matter. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced when attempting to close your Essential Checking accountIt was certainly not our intention to cause you any hardshipWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsHowever, we stand by the response conveyed to you in our previous letter sent to the above address on March 23, Our position on these matters has not changed. When a request is made to close an account, it is your responsibility to ensure that all outstanding payments and checks have posted to the accountThe Bank is unaware of outstanding checks that have been written on the accountAlthough you brought the account to a zero balance on February 25, 2016, and requested the account closure, check *** caused the requested account closure to failAs we mentioned in our previous response, our review of the account activity determined there was no error in assessing the return item fees to the accountHowever, in the interest of customer service, we reversed the $monthly service charge and the $of overdraft fees that were assessed to bring the account balance to zeroIn addition, the account was closed as originally requested. 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 6 p.m., ET. Sincerely, April Q.Office of the President Pc: Revdex.com