PROCORPSA

January 30, 2017[redacted]Dispute Resolution ConsultantRevdex.com[redacted]
[redacted]Re: Your reference: [redacted] – Case No. [redacted]Dear Mr. [redacted]We are in receipt of your letter dated December 30, 2016, regarding the informal complaint filed by [redacted]. We have had the opportunity to investigate this Complaint and offer the following information.Armstrong spoke with Mr. [redacted] on November 28, 2016 regarding his concerns with our data allowance policy. Armstrong periodically reviews products and policies and despite the current policy remaining in compliance with FCC regulations, we are pleased to advise Mr. [redacted] that he will see an update to our data allowances, which we hope will address his concerns in the coming months. In addition, Armstrong has credited Mr. [redacted]’s account $100.00 in appreciation of his continued patronage and now considers this matter closed.As always, Armstrong encourages Mr. [redacted] to contact our Customer Service Center directly if he has any additional questions or concerns. Thank you for your attention to this matter. Please feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Teamcc: [redacted]

[redacted] Date: October 20, 2015 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your vehicle installment loan. 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 difficulties you are experiencing with your loan. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I 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. The Bank will not attempt to take the payment of $1,055.50 a second time because the account that the payment was drafted from has been blocked by Fifth Third because the first payment was returned due to insufficient funds. We will still accept a payment from the account, but we will not accept a payment authorization from you from the account over the telephone. If the funds were available when we attempted to draft the payment, we certainly would have processed the payment. When I stated in my original response that the Bank would attempt a second payment, it was not known at that time that the paying account had been blocked. If you can provide us with documentation which shows that funds were available in your account when the Bank received the payment, we will certainly work with you to get this matter resolved; however, the account is still past due as of October 16, 2015. I have also learned that Auto BillPayer has not been established on your loan because the Fifth Third Auto BillPayer authorization form was never completed and returned to us. This was also not known to me when I sent my original response to you. In order to set up your loan to be paid by Fifth Third Auto BillPayer, please call ###-###-####, Monday through Friday, 8 a.m. to 5 p.m., ET. We make every attempt to respond to our customers in a timely manner; however, we may not always be available immediately if we are busy assisting other customers. The Bank strives to make several payment options available to all of our customers, and we certainly want to help our customers make payments in a timely manner. The Bank does allow our loan customers the ability to make their loan payments online through our website at www.53.com. The first step to make your installment loan payment online is by going to our website at www.53.com. Once there, click on “First Time User” and follow the prompts to get logged in to the site. After you have logged into the website, locate the account you wish to pay and click “PAY NOW.” You will be asked what type of account you are going to make the payment from. You will enter your bank’s routing number and click “GO.” The system will ask for the account number and you will click “ADD ACCOUNT.” Select the account you wish to pay from the drop down box. Select the external account you wish to make the payment from using the drop down box. This feature will allow you to direct your payments to regular payments or to principal only payments. Once you verify the information is correct, you will either submit your payment or choose to go back to edit the payment by choosing the “BACK” button. A confirmation screen will display your payment’s reference identification number. For additional information or for assistance, please call our Customer Service Department at ###-###-####. Our Customer Service Department is available to assist you Monday through Friday, 7 a.m. to 8 p.m., ET. As stated in my previous response, when your loan is past due for payment, you may receive calls from our Collections Department. Our Collections Department will first attempt to call the phone number(s) that we have on file for you. If we cannot reach you at the number(s) that we have on file for you, we may attempt to call other phone numbers that are associated with you, or have been associated with you in the past. If we attempt to call you and discover that the phone number dialed is not a number where you can be reached, we will not attempt to call that number in the future. The Bank is certainly within its legal right to attempt to collect on a account that is past due for payment. We regret any inconvenience this may cause you. Also as stated in my previous response, the Bank does not send a monthly invoice for payments due on a vehicle installment loan. When your loan was initiated, it was set up to be paid using monthly loan coupons. If you have not received your payment coupon book, please contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET. Alternatively, you can mail loan payments to the following address: Fifth Third Bank PO Box 630778 Cincinnati OH 45263-0778 As of October 16, 2015, your loan is fifty four (54) days past due for payment. Also, as of October 16, 2015, the loan is past due in the amount of $1,651.03. This amount is due immediately. If you would like to make payment arrangements, please contact our Collections Department at ###-###-####, Monday through Friday, 8 a.m. to 9 p.m., ET., Saturday and Sunday, 8 a.m. to 5 p.m., ET. If I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P. Office of the President

March 8, 2018[redacted] Revdex.com 400 Holiday Drive, Suite 220 Pittsburgh, PA 15220Re:Yourreference:[redacted] - Case No. [redacted]Dear Ms. [redacted]:We are in receipt of your letter dated February 28, 2018, regarding the informal complaint filed by [redacted]. We have had the...

opportunity to investigate this Complaint and offer the following information.According to our records, Ms. [redacted] subscribed to her service under a promotional rate which expired in January 2018. Armstrong offered her a $30.00 discount per month for 6 months to continue her services, however, Ms. [redacted] refused our offer. After disconnection on January 30, 2018, Armstrong credited Ms. [redacted]’s account for the time period between January 30, 2018 through February 11, 2018 on her final billing statement; therefore, Ms. [redacted] was not charged for an additional day of service. Armstrong contacted Ms. [redacted] on March 6, 2018 to explain the how the credit was calculated. Ms. [redacted] was satisfied with the calculation and stated that the issue was resolved.Armstrong encourages Ms. [redacted] to contact our Customer Service Center if she has any additional questions. Thank you for your attention to this matter. Please feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Teamcc: [redacted]

March 8, 2017[redacted]Revdex.com400 Holiday Drive, Suite 220Pittsburgh, PA 15220Re: Your reference: [redacted] - Case No. [redacted]Dear Mr. [redacted]:We are in receipt of your letter dated February 21, 2017, regarding the informal complaint filed by [redacted]. We have had...

the opportunity to investigate this Complaint and offer the following information.In August 2016, Mr. [redacted] added Armstrong’s Zoom Internet service under a promotional rate which bundled cable, telephone, and internet service at a deeply discounted rate. Armstrong offered this promotion to customers who did not yet subscribe to our Internet service. By subscribing to this promotion, Mr. [redacted] added Zoom Internet to his telephone and cable service for an increase of $1.50 per month for six months. At the end of this period, the promotional price increased by an additional $20.00 per month for the following six months. Despite this increase, Mr. [redacted] is still receiving the best possible rate for his services at this time.Armstrong thanks Mr. [redacted] for his feedback regarding the confirmation email he received. Mr. [redacted]’s concerns have been forwarded to the appropriate personnel and are currently under review. Armstrong strives to provide the best possible service for our customers and regularly reviews our policies and procedures. We encourage Mr. [redacted] to contact our Customer Service Center if he has any additional concerns.Thank you for your attention to this matter. Please feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Team cc: [redacted]

We are in receipt of your letter dated November 28, 2016, regarding the informal complaint filed by Mr. [redacted]. We have had the opportunity to investigate this Complaint and offer the following information.Armstrong has spoken with Mr. [redacted] several times between October 27, 2016 and November 11,...

2016 regarding our data allowance policy and his usage of our services. After receiving the above referenced complaint, Armstrong once again attempted to contact Mr. [redacted] to reiterate the various promotional offers that best suit his usage patterns. Unfortunately, Mr. [redacted] was unreachable by telephone, and we were unable to leave a message. Armstrong encourages Mr. [redacted] to contact our Customer Service Center to discuss the various service options and promotions available at this time.Thank you for your attention to this matter. Please 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 [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: September 27, 2017 Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Express Banking Accounts Dear [redacted]: We received a copy of the complaint you filed...

with the Revdex.com concerning your Express Banking account. 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 you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. Fifth Third strives to meet your financial needs while balancing a commitment to responsible banking practices. In support of this commitment, we may review the way in which your account is being used. As a result of our recent investigation, the Bank made the difficult decision to close your Express Banking accounts. This is because the activity on your checking accounts was outside of the Bank’s accepted level of risk. Specifically, there were an excessive number of transaction dispute cases filed with our Disputes Resolution Department in the time since your accounts were opened. A notice was sent to you on September 15, 2017, informing you of this. A copy the notice dated September 15, 2017, is enclosed for your review and convenience. The account ending in [redacted] will be closed on November 6, 2017. The account ending in [redacted] and the account ending in [redacted] will be closed on November 13, 2017. The hold was placed on the accounts to assist in the closure of the accounts and the hold will remain on the accounts until the accounts are closed. If the accounts are still overdrawn when the accounts are closed, the accounts will be charged off by the Bank and forwarded for collection efforts when they are closed. Additionally, if the accounts are charged off and sold by the Bank, the accounts may be reported to a consumer-reporting agency called ChexSystems. You will receive a letter from the Bank for each of the accounts if the accounts are charged off and sold by the Bank when they are closed. It is also important to note that, according to the Bank’s Deposit Account Rules and Regulations, the Bank may close the account of any customer at any time. A copy of the Bank’s Deposit Account Rules and Regulations is enclosed for your review and convenience. Please refer specifically to page two (2) paragraph two (2) of the enclosed copy of the Bank’s Deposit Account Rules and Regulations for more information. For more information regarding the hold that was placed on the accounts, or for more information regarding your transaction disputes, please contact our Disputes Resolution Department. Our Disputes Resolution Department can be reached directly at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, and Saturday, 8:30 a.m. to 5 p.m. [redacted], I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosures (2): Notice Dated September 15, 2017 Deposit Account Rules and Regulations

March 30, 2017[redacted]Revdex.com400 Holiday Drive, Suite 220Pittsburgh, PA 15220Re: Your reference: Theodore [redacted] - Case No. [redacted]Dear Ms. Gasser:We are in receipt of your letter dated March 14, 2017, regarding the informal complaint filed by [redacted].Armstrong responded to Mr. [redacted]’s initial Complaint on March 8, 2017. As mentioned in our previous response, Mr. [redacted] received a promotional rate for internet service for six months. At the end of the six-month period, Mr. [redacted]’s rate increased by $20.00 per month, however, he is still receiving the best possible rate for his services at this time. Armstrong encourages Mr. [redacted] to contact our Customer Service Center if he would like more information on our other services or if he would like to make any changes to his account.With respect to Mr. [redacted]’s concerns regarding the confirmation email he received, Armstrong again thanks him for providing us with his feedback. Armstrong assures Mr. [redacted] that we take our customers’ concerns seriously and that his concerns are currently under review with the appropriate personnel.Thank you for your attention to this matter. Please feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Team cc: [redacted]

[redacted] [redacted] [redacted] Date: February 8, 2016 Account: [redacted] Regarding Your Fifth Third Bank Business Standard Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, concerning your...

business checking account. We appreciate the time you have taken to express your concerns regarding this matter. Your comments expressing less than quality customer service are very concerning. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. We sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to us. Feedback like yours helps us identify problems and improve the level of service we provide to our customers. Please be assured that the relevant parties have been contacted to express your dissatisfaction with the service you received. Fifth Third Bank did offer a $400.00 promotional cash bonus for new accounts opened prior to November 20, 2015. The promotion required, opening a new business checking account, a $5,000.00 average balance, and required you to complete five (5) or more debit card transactions within the first sixty (60) days after the account opening. On November 9, 2015, you visited the [redacted] Banking Center and opened a Business Standard Checking account. Enclosed please find copies of all the checking account statements generated for your account ending in [redacted]. Please note, you did open the account prior to November 20, 2015 and completed five or more debit card transactions; however, you did not meet the required $5,000.00 average collected balance for the first sixty (60) days. Your account was opened with a zero balance, and your only deposit $5,500.00, was not received until November 20, 2015. Your average balance for the first sixty (60) days was $4,472.28. It was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matter. You are a valued customer and we hope you will allow us to serve your financial needs in the future. If I could be of further assistance to you please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Statements

[redacted] Date: September 29, 2017 Account: [redacted] Regarding Your [redacted] Credit Card Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com concerning your [redacted] Credit Card. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration 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 Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. As was explained to you in my letter dated September 21, 2017, a copy of which is enclosed for your convenience, from April 24, 2017, to July 21, 2017, the Bank sent several promotional credit card offers to existing and prospective customers of the Bank. Some of the promotional offers were only sent to existing customers of the Bank, and some of the promotional offers were only sent to prospective customers of the Bank. The promotional offer for a $350.00 cash bonus awarded as 35,000 rewards points was only sent to prospective customers of the Bank; the offer was not sent to existing customers of the Bank. I have confirmed that, as an existing customer of the Bank, the $350.00 cash bonus offer was not sent to you. The promotional offer you received and accepted when you applied for a Fifth Third Bank [redacted] credit card on June 29, 2017, was the offer for a cash bonus of $100.00, awarded as 10,000 rewards points on the card, after spending at least $1,500.00 on the card within ninety (90) days of the account opening date. Since you spent at least $1,500.00 on your credit card within ninety (90) days of account opening, your account was provided with 10,000 rewards points on August 17, 2017. On August 25, 2017, you redeemed a total of 10,000 rewards points for two (2) $50.00 statement credits to your account. The two (2) $50.00 statement credits to your current account are shown on your account statement. For your review and convenience, I have enclosed copies of your account statements from June 29, 2017, to September 20, 2017. Your [redacted] Credit Card was opened on June 29, 2017. According to your account statement for the period from June 29, 2017, to July 20, 2017, there were purchases on your card totaling $1,631.63. The date that at least $1,500.00 was spent on your credit card was July 17, 2017. Although the promotional offer you received stated that the 10,000 bonus rewards points will be added to the credit card within six (6) to eight (8) weeks after at least $1,500.00 is spent on the credit card, this does not mean that it definitely takes that long for the rewards bonus points to be added to the credit card. In some instances, the bonus rewards are provided sooner. In your specific case, the rewards bonus points were provided before six (6) weeks had passed from the date that the spend requirement was met on July 17, 2017. Six (6) weeks from July 17, 2017, was August 28, 2017, and the 10,000 bonus rewards points were added to the card on August 17, 2017. Although it is our sincere desire to assist you, the Bank did not send you the promotional offer for a $350.00 cash bonus awarded as 35,000 rewards points. Therefore, your credit card will not be provided with 35,000 rewards points. We regret any frustration this might cause you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P[redacted] Office of the President PC: Revdex.com Enclosures: Previous Response Letter Dated September 21, 2017 Account Statements

[redacted] Date: September 29, 2016 Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

regarding your Essential checking account. We appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I 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 customers’ satisfaction. On August 2, 2007, you visited the [redacted]/Central Banking Center to open a checking account. The account was opened with you as the primary owner, and [redacted] as the beneficiary on the account. Please note as a beneficiary [redacted] did not have access to the account, and was not able to conduct transactions in person, online or over the phone. Our research has determined your intention for this account was to be a representative payee account benefiting [redacted]. In error, this account was not opened with that ownership. On December 8, 2008, our records indicate you opened the Early Access product on this account. Please find enclosed a copy of the signed enrollment form. Early Access is a product that allows customer access to direct deposit funds prior to the direct deposit posting to the checking account. I have enclosed a copy of the terms and conditions for the Early Access product for your convenience and review. When a customer receives a direct deposit of $100.00 or more, the direct deposit pays the balance owed to the Early Access product. If the customer does not pay the Early Access advance within forty-five (45) days, the Bank is authorized to withdraw the funds from your checking account, even if this transaction results in a negative balance. For your convenience and review, I have enclosed copies of your 2016 checking account statements. In researching your concerns, we determined that the telephone advances made from your Early Access account were done through our phone systems. Our research confirmed the individual initiating the advances used your full social security number to access the checking account. It should be noted, the advances were made with the phone number the Bank has on file for Alfonso Crayton. However, you made the withdrawals of the funds from the checking account at the banking center. The last Early Access advance was made on May 2, 2016, for $360.00. On June 16, 2016, at day forty-five (45) a transfer to your Early Access account resulted in a negative ending balance of ($378.45) in your checking account. The following transactions posted to your account after June 16, 2016: ** $50.00 deposit on June 20, 2016, resulting in a negative balance ($328.45) ** $11.00 monthly service charge on June 22, 2016, resulting in a negative balance ($339.45) ** $100.00 deposit on July 5, 2016, resulting in a negative balance ($239.45) Because the account remained overdrawn for fifty-five (55) consecutive days, the account was charged off and closed with a negative balance of ($269.45). The account was sold for collection to Allied Interstate on July 19, 2016. The account was also reported to [redacted]; a debit bureau reporting agency used by financial institutions to report negative account activity such as overdraft accounts, and returned checks. If you would like to contact Allied Interstate to settle your negative balance, their phone number is ###-###-####. As the primary owner of the checking account, you were aware of the Early Access transactions. Therefore, the Bank is unwilling to honor your request to recall this debt and update the information reported to [redacted]. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosures: 2016 Statements, Early Access Enrollment form

We are in receipt of your letter dated July 28, 2015, regarding the informal complaint filed by [redacted]. We havehad the opportunity to investigate this Complaint and offer the following information.According to Armstrong’s records, Mr. [redacted] had a 6-month promotional offer of Zoom Internet for...

$15.95 permonth. This offer ended on January 23, 2015. No new promotional offers existed at the time of the expiration.Armstrong notes that due to a clerical error, the offer began on July 23, 2014, but Mr. [redacted] did not have the systeminstalled until August 4, 2014. Armstrong adjusted the difference and credited the account.Currently, Mr. [redacted] could upgrade to Zoom Pro at $49.95 for 3 months. This is a faster internet speed at adiscounted price. Alternatively, Mr. [redacted] could add services such as television or telephone and be eligible forother promotional offers.Armstrong encourages Mr. [redacted] to contact our Customer Service Center if he has any additional questions aboutthis program or if he has any internet issues. Thank you for your attention to this matter. Please feel free to contactme should you have any questions or require further information.Sincerely,Agency Complaints Response Teamcc: [redacted]

[redacted]Revdex.com400 Holiday Drive, Suite 220Pittsburgh, PA 15220Re: Your reference: [redacted] - Case No. [redacted]Dear Mr. [redacted]:We are in receipt of your letter dated November 7, 2017, regarding the informal complaint filed by Ms. [redacted]. We have had the opportunity to...

investigate this Complaint and offer the following information.According to our records, Ms. [redacted] contacted Armstrong three times regarding issues with her internet and television service in August 2017. Armstrong dispatched a service technician to her residence each time to attempt to resolve the issue. On August 28, 2017, Ms. [redacted] confirmed that her services were properly working. Due to the inconveniences she experienced, Armstrong credited Ms. [redacted]’s account two times for a total of $203.38, once on August 21, 2017 and again on October 21, 2017. Armstrong has also attempted to contact Ms. [redacted] twice in November 2017 to discuss her concerns; unfortunately, we were unable to reach Ms. [redacted].Armstrong encourages Ms. [redacted] to contact our Customer Service Center if she has any additional concerns. Thank you for your attention to this matter. Please feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Team cc: [redacted]

[redacted] Date: February 3, 2017 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning...

your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please note your installment loan is a simple interest loan, with interest accruing daily on unpaid principal. When we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last payment. Then we apply the remaining funds to the unpaid principal balance. Your payment habits affect the amount of interest you pay over the life of the loan. If payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of your loan. Because less of your payments were applied to the principal balance, there may be a larger final payment due to additional accrued interest. We have completed our review of the payment history for your installment loan. Our review determined that you did not provide the Bank proof of insurance for your automobile. Therefore, the Bank force placed an insurance policy to cover the collateral. I have enclosed a copy of your Security Agreement stating you are required to provide proof of insurance during the life of your loan. Failure to provide proof of insurance will result in the Bank purchasing insurance on the collateral. The Security Agreement, section two (2) item d, states: “You agree to have physical damage insurance covering loss of or damage to the vehicle for the term of this contract. The insurance must cover our interest in the vehicle. If you do not have this insurance, we may either buy insurance that covers your interest and our interest in the vehicle, or buy insurance that only covers our interest. If we buy either type of insurance, we will tell you which type and charge you must pay. The charge will be the premium of the insurance and a finance charge computed at the Annual Percentage Rate shown on the front of this contract, or at our option, the highest rate the law allows.” The Bank notified you three (3) times requesting proof of insurance for this vehicle. I have enclosed all three (3) letters mailed to you. Please use these notices as verification that the Bank contacted you about providing proof of insurance to avoid a force placed insurance policy. Please note the final letter dated June 9, 2016, informed you that the premium charged for the force placed insurance would be $1,426.00. Our research confirmed a lapse of insurance on the vehicle from March 25, 2016, through December 2, 2016. The force placed insurance policy covered your vehicle from March 25, 2016, through March 25, 2017. Upon the Bank receiving proof of your insurance, the force placed policy was cancelled and your installment loan was refunded $391.00. Please use the below breakdown as verification of your payments toward the force placed insurance policy. Payment Date Amount to [redacted] Balance 6/24/2016 $1,426.00 Rebate $391.00 $1,035.00 7/19/2016 $33.57 $1,001.43 7/26/2016 $33.55 $967.88 8/2/2016 $30.68 $937.20 9/7/2016 $31.25 $905.95 9/12/2016 $36.09 $869.86 9/21/2016 $30.68 $839.18 10/25/2016 $41.64 $797.54 11/1/2016 $41.66 $755.88 11/8/2016 $11.32 $744.56 12/2/2016 $115.00 $629.56 12/5/2016 $21.56 $608.00 1/4/2017 $65.55 $542.45 1/23/2017 $115.00 $427.45 Amount Owed $427.45 Please find enclosed a copy of a payment breakdown. Included in this breakdown is your payment due date (the 9th of every month), the date you made a complete loan payment, the number of days your loan was past due, and the payment date satisfied by each payment. As of January 30, 2017, you have a past due balance of $358.83, and late fees totaling $84.58. In order to bring your loan current, you would need to make a payment to satisfy your past due balance. This payment includes $61.14 remaining to satisfy your December 9, 2016, payment and $297.69 to satisfy your payment due January 9, 2016. This amount does not include the $427.45 remaining on the force placed insurance or the late fees on your account. It should be noted, your current regular payment of $297.69 includes $115.00 that is applied toward your force placed insurance policy. Upon paying the force place insurance in full, your regular payment will revert to the original payment amount of $182.69. It should be noted, the Collection Department considers repossession of property when an installment loan becomes more than sixty (60) days past due. As mentioned above, the Bank has not received your installment loan payment due December 9, 2016. Because of the force placed insurance dispute, we have worked with the Collection Department to ensure your vehicle would not be sent for repossession at this time. However, a payment to satisfy the past due balance is due immediately. It was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. We value your relationship and look forward to fulfilling all of your financial needs for years to come. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Security Agreement Proof of Insurance letters (3) Payment Breakdown

[redacted] Date: December 22, 2017 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your vehicle loan. We are...

sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. We strive to provide quality service to all of our customers and I am sorry for your unsatisfactory experience during your previous attempts to resolve this matter. As indicated within your loan contract, comprehensive insurance must be maintained on the vehicle as long as there is an unpaid balance on your loan. Our records indicate that the insurance policy on record with the Bank at that time was cancelled on May 10, 2017. We sent a notice to the above address on June 13, 2017, and we received proof of insurance coverage good through August 20, 2017. We sent another notice to the above address on September 26, 2017, requesting proof of insurance. When no proof of insurance was received, we sent a notice to the above address on October 17, 2017, informing you that we would buy insurance and charge the cost to you unless we received proof that you obtained your own insurance policy. The cost of our insurance policy, $2,904.00, was added to your loan on November 7, 2017, and your monthly payment amount was increased. The proof you provided of your own insurance policy was reviewed and accepted and the insurance cost was fully removed from your loan on November 8, 2017. Your monthly payment reverted to the lower amount. As of the date of this letter, your loan is due for the December 19, 2017, payment of $399.00. No late fees were assessed as a result of placing the insurance, and no unfavorable information was reported to the credit reporting agencies, so no further adjustments are required. I understand your frustration when this situation occurred and I apologize for the inconvenience this matter caused you. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

April 23, 2018[redacted] Revdex.com 400 Holiday Drive, Suite 220 Pittsburgh, PA 15220Re: Your reference: [redacted] - Case No. [redacted]Dear Ms. [redacted]:We are in receipt of your letter dated April 10, 2018, regarding the informal complaint filed by Mr. [redacted]. We have had the...

opportunity to investigate this Complaint and offer the following information.On April 11th, Armstrong spoke to Mr. [redacted] and he decided to remain an Armstrong customer and we were able to negotiate a new contract that satisfied both customer and Armstrong.Thank you for your attention to this matter. Please feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Teamcc: [redacted]

January 6th, 2017Re: [redacted]Both I and the [redacted] Financial Center Manager, Jerry G., have left messages for the customer.  I have waived her most recent monthly service charge of $8.00.  My response on 01-03-17 informs [redacted] that with her current account type, there will be a monthly fee, and I offer alternatives to avoid the charge, including opening a different account type.  There is really nothing more to add to the first response. Please let me know if you can close the issue with this information, of if you need anything further.   Thank you, Alison S.Customer Care Team SpecialistFifth Third Bank | Office of the PresidentPhone: ###-###-####

[redacted] Date: March 31, 2016 Account: [redacted] Regarding Your ATM Deposit Dispute Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Automated Teller...

Machine (ATM) deposit dispute. We appreciate the time you have taken to document your thoughts and concerns. On February 5, 2016, the enclosed letter was sent to you explaining that case [redacted] was opened to investigate your allegation that a cash deposit made via ATM in the amount of $540.00 was not credited to your account. An investigation was conducted, and the ATM was found to be in balance. On March 17, 2016, the enclosed letter was sent to you explaining the denial of your claim. It should be noted that we received your initial request for the dispute during your telephone call to the Bank on February 4, 2016, at 10:52 p.m. This information was forwarded to the Dispute Resolution Department for the case to be opened for further investigation. I am sorry for any concern it may have caused when you called the Dispute Resolution Department on February 5, 2016, and the case was not yet entered into the system. Because you indicate in your complaint that the deposit was made at an ATM located on [redacted] in [redacted], we have reopened the investigation to review an additional ATM in that location. Our Dispute Resolution Department will send final written correspondence regarding the investigation within fourteen (14) days. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com

[redacted] [redacted] [redacted] [redacted] Date: June 9, 2016 Regarding Your Privacy Opt-Out Request Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your attempts to have your address be...

removed from our mailing lists. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, I apologize for the difficulties you have experienced. It was certainly not our intention to cause you any undue hardship or frustration. Periodically, we reach out to potential customers to make them aware of the excellent banking products Fifth Third Bank has to offer. We understand your desire to no longer receive these mailings and therefore your address has been removed from all of our mailing lists. However, promotional mailing lists are compiled approximately three (3) months in advance so there is the possibility that you could receive some promotional material in the near future that was generated prior to the removal of your name and information. Additionally, you may consider opting out of firm offers of credit from lists supplied by the credit bureaus, under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit that are not initiated by you ("Firm Offers"). The FCRA also provides you the right to "Opt-Out", which prevents Consumer Credit Reporting Companies from providing your credit file information for Firm Offers. You may choose to opt out of receiving offers for five (5) years or opt of receiving them permanently. To opt out for Five (5) years you may call 1-888-5-Opt-Out (###-###-####) or visit www.optoutprescreen.com. To opt out permanently you may begin the permanent Opt-Out process online at www.optoutprescreen.com. You must return the signed Permanent Out-Opt Election form, which will be provided after you initiate your online request. If you do not have access to the internet you may send a written request to permanently opt out to each of the major credit reporting companies. You will need to include your home phone number, name, social security number and date of birth in your correspondence. The addresses to opt out with each company are listed below: [redacted] 
[redacted] 
[redacted] 
[redacted] [redacted] 
[redacted] 
[redacted] 
[redacted] 
[redacted] 
[redacted] 
[redacted] 
[redacted] [redacted] 
[redacted] 
[redacted] We appreciate your patience while we researched this matter and apologize for any inconvenience this situation may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shannon K. Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  The issue is still open and not closed per their response. This needs to stay open until the issue is resolved.
Regards,
[redacted]