PROCORPSA

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
Regards,
[redacted] reply had nothing to do with fixing the problem. Instead gave me information that was irrelvant at the time!

Revdex.com:
I cannot accept anything until I see the next phase of this crooked companies effort to scam a consumer. In the previous response I pointed out that this charge off was over two years old and would not be harm me or my family if correctly reported after the same individual pointed out that all of the information was correct in this charge off. I am assuming that this company is only offering to remove the charge off so that they can re bill for the amount and potentially hurt my family once again because the fraudulent reporting was a failed attempt. All of these things this company keeps doing have happened because I was 32 days late on a payment during a military deployment. They have reported me as being over 120 days late multiple times(them and I have the payment histories that disprove this), had a repossession company call me, wrecked my credit in 2014, caused us to be disqualified for my wife's dream home in November because of their false reporting a second time, deleted our payment histories at the credit bureaus so they could report this charge off as current after this vehicle was paid in full on time. Whats next?  On a more positive note, once again they admitted that there is/was a grace period. Which they admittedly denied back when I pointed out that a grace period by standard and commonly accepted definition means a period without penalty. Any alterations to a commonly accepted meaning have to be expressly termed in the contract that reference any variations in a definition at the time ([redacted] {The courts do not rely on implied or unusual meaning in contracts if not expressly stated}). The definition this company is giving for a grace period is not the commonly accepted definition of grace period, which upon calling in at the time customer service representatives would tell me I was in. Its funny because under the same implied philosophy couldn't I state that the due date is merely a suggestion or that this company owes a balloon rebate at the end of the contract? Things only count if they are expressly written in the contract. Which means that they admitted to unfairly canceling this contract by attempting to use implied reasoning and suggestion to cancel. Once again, there original expressed reason for canceling this modification was because I was over 30 days late which was nowhere in the contract. I never once questioned the due date which they keep trying to point out.  This company has hurt my family many times over by doing whatever they want and abusing the consumer. I can only assume that this company is going to attempt a different approach to attempt to hurt us again since fraudulently reporting to our credit isn't going to work. We were still disqualified from my wife's dream home because of their fraudulent reporting so there are tangible damages from this companies abuse of power and fraudulent actions. If this matter isn't successfully resolved we will be seeking further legal action.  How does a company in today's society get away with fraudulently reporting an individual as not paying a bill for like 5 months? Recalculating my payments to look like I hadn't made a payment for months when they canceled my contract modification ( I have my bill pay history that can prove otherwise). Or deleting good payment history to validate reporting a charge off that was pencil whipped over two years ago while still charging the customer the same monthly payment amount as if the principal was the same(they had to know they were doing something wrong if they had to delete good history to report what they wanted)? Like the office of the president said before I pointed out that it was beyond two years and I was going to seek legal action because of their unlawful behavior, "There were no errors and all information was reported accurately" or making up personal definitions of words that aren't expressly written anywhere including their own company policy to justify actions that hurt the consumer (they have no written definition of grace period as they state it at the company level and could not produce it at the time. This was their adhoc method to justify canceling a contract which wasn't the original reason it was canceled). Food for thought: All of these things happened initially because I was 32 days late on a payment. It took them 4 days to process my payment.Until I see what this company actually does I will believe nothing they say and am preparing for legal action. Please file this for public record. [redacted]###-###-####  I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
Regards,
[redacted]

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.
Sorry but you are incorrect.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   There is $13,000.00 in dispute. The vendor only provided documentation for $35.00 worth of charges. Where is the balance of the documentation that I requested? The vendor is in violation of the provisions of the Fair Credit Billing Act by not investigating this matter and providing me with said documentation. If the vendor had any intentions of suing me for this amount, they would have done so by now. They know they are wrong, that is why they have not. I have adequate documentation to present if this matter ever goes to court requesting backup documentation again and again from the vendor with no results on their part.
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: February 22, 2016 Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com regarding your mortgage...

loan account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Please be assured that the issues you presented have been escalated to the relevant Bank personnel. You can expect to receive communication from our Insurance Center to schedule an inspection to determine the progress of the work being completed on your property, as well as to obtain information about [redacted] and the new contractor you have hired. I am very sorry for the difficulties you experienced. It is our goal to help you return to your home. In order to accomplish that goal, we will need you to communicate with our Insurance Center regarding the status of the repairs. At this time we would like to confirm that you contacted the Bank on January 15, 2015, and wanted to know if the contractor had cashed the checks that had been issued. While our systems show research was initiated they not show that anyone contacted you back to provide this information. I am sorry for the frustration and distress that this caused you. We strive to provide professional service, and I regret this was not your experience when you did not receive a return phone call. Enclosed for your review is a copy of your signed proposal/contract with the contractor [redacted] regarding your agreement with them to rebuild your home. The last section on page two (2) provides the payment terms, which shows that the first (1st) payment to the contractor is $120,000.00. Per this signed agreement between you and the contractor, we distributed funds totaling $120,468.30 in the months of June 2014 and July 2014. We confirmed that the following four (4) checks were cashed by the contractor: * $30,432.00 * $14,099.70 * $37,734.15 * $37,734.15 I understand that you are experiencing a hardship attempting to make the monthly mortgage payment as well as pay rent while you are unable to live in the home. You first (1st) notified us of this hardship on November 6, 2015. You explained that because you had to also pay for another place to live while your home was being rebuilt, you were struggling with the mortgage payments. We explained that you could apply for a loan modification or a mortgage refinance, and we sent you the application for assistance required to complete a modification. Our records do not reflect that you were told we could not assist you because the loan was not in default. I have enclosed another application for assistance with this correspondence. If you would like to be considered for assistance, please complete the form and send the requested documentation so that we can review your application. We have not yet received an application from you for assistance. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. 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, Shawna T. Office of the President Pc: Revdex.com Enclosures: Contractor Agreement, Homeowner’s Assistance Application

9/2=[redacted] called to explain that she rejected the business' response because she feels the business needs to handle this complaint as a fraud case since that is what it is. They weren't "pending charges". They were back-to-back charges that happened within minutes of each other after her initial purchase. She pointed this out to the business already and they, too, saw it as a fraud case. She did not make the four purchases after her initial online purchase.(3:25)

[redacted] Date: April 25, 2017 Account: [redacted] Regarding the Platinum MasterCard Account Dear [redacted]: Thank you for your additional correspondence regarding the Platinum MasterCard account ending in [redacted]. We appreciate the time you have taken to express your continued thoughts and concerns. We previously advised in our correspondence dated April 19, 2017, that we opened an investigation in our Dispute Resolution Department to research your claim that this account was opened as a result of identity theft. Your dispute claim was approved. Enclosed is a copy of the approval letter the Dispute Resolution Department sent to you on April 19, 2017. You are not responsible for the balance on the account, and we have submitted an update to the credit reporting agencies to remove the account from your credit reports. Please allow approximately thirty (30) days for the credit reporting agencies to update their information. If you would like to contact a consumer reporting agency directly, the contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We advised in our previous correspondence that the credit card account in question was opened on November 7, 2016. Please be advised this information was provided to you in error. The credit card account was opened on November 7, 2006. I am sorry for the incorrect information provided. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. 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, Shawna H.Office of the President Pc: Revdex.com Enclosure: Dispute Letter

Please be advised that the Bank will not be submitting an additional response to [redacted] complaint. We stand by the information we last provided.  The funds were never deducted from her account to be returned back in. Thank you, Shawna H.Customer Care Team Specialist IIFifth Third Bank | Office of the President5050 Kingsley Dr.MD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### | Fax: ###-###-####Email: [redacted]

[redacted] Date: February 16, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received your complaints sent to the Revdex.com and the Consumer Financial Protection Bureau...

regarding your checking account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. Please note that your Early Access probation will be lifted on February 26, 2016. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. However, we stand by the response conveyed to you in our previous letter sent to the above address on January 19, 2016. Our position on this matter has not changed. 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 [redacted], or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W. Office of the President Enclosure: Previous Response Letter Pc: Revdex.com [redacted]

This is false regarding all the people spoke with on April 10th regarding this matter. Ms S. never attempted to call me back I have my cellphone with me 24/7. They knew that [redacted] would not be  providing them anything in writing but did advise Fifth Third to call so that they “could verify that funds were good”. Also another important Fact to point out also is if they hold funds for the entire 8 days then funds should have been available and check should have cleared on April 1 ". HAVE SPOKEN WITH THE PRESIDENT AND HE HAS ADVISED ME THAT THE PENALTY THAT HAVE ASKED TO PAY FROM [redacted] FIFTH THIRD WILL “REFUND”...THIS WAS HANDLED VERY POORLY ESPECIALLY AFTER I SPOKE ONLY With Managers at “4” (ANTOINETTE AT [redacted] LOCATION,  MARKEETTA AT [redacted] LOC. AND MS. S. AT [redacted]LOCATION) BRANCHES AND WAS TOLD ONE LIFE AFTER ANOTHER…| DO EXPECT TO GET REFUNDED THE COST OF THE PENALTY BUT THIS DOES NOTHING FOR MY INTEGRITY WITH THE [redacted].| DO NOT PLAN ON CONTINUING MY ACCOUNT WITH THIS BANK AND AM IN THE PROCESS OF GETTING IT MOVED TO ANOTHER FINANCIAL INSTITUTION.[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. Regards,
[redacted]

[redacted] Date: March 12, 2018 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: Thank you for contacting the Bank concerning your mortgage loan. We received a copy of the complaint you filed...

with the [redacted] and the Revdex.com. 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 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 [redacted]. Per your request, on March 9, 2018, a new analysis was performed on the escrow account associated with your loan. I have enclosed a copy of the Annual Escrow Account Disclosure Statement dated March 9, 2018. As this statement explains, we have updated the amount projected to be paid for your June 2018 property tax payment from $4,162.74 to $1,162.74 to account for the payment you made to [redacted] on December 21, 2017, in the amount of $3,000.00. Your new mortgage payment effective March 1, 2018, is $2,023.88 and there is a surplus in the amount of $1,921.32, which was mailed to you at the above address. If you do not receive this check within fifteen (15) days, please contact me at the telephone number below. 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 contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Office of the President Pc: [redacted], Revdex.com Enclosure: Annual Escrow Account Disclosure Statement

[redacted] Date: November 2, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com concerning the monthly...

service charges on your Fifth Third Bank Essential Checking account. Please be assured that the Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience 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 our customers’ satisfaction. We regret the frustration you felt after discovering fees had been charged to your Essential Checking account ending in [redacted]. According to our research, your checking account was changed from an e53 Checking account to an Essential Checking account on October 22, 2012. I have enclosed information about the Essential Checking account for your review. On an Essential Checking account, we waive the monthly service charge of $11.00 if any of the following is met: ? You maintain a combined monthly average of $1,500.00 across your checking and savings accounts ? OR you are a current or former member of the U.S. military with monthly direct deposits totaling $500.00 or more ? OR you participate in your employer’s Fifth Third Banking Benefits Program with monthly direct deposits totaling $500.00 or more ? OR you are a student with a valid student ID Otherwise, the service charge is $11.00 per month, unless your account receives monthly direct deposits totaling $500.00 or more, in which case we reduce the monthly service charge to $8.00 per month. Your account did not begin receiving the $11.00 monthly service fee until February 2015, due to your account balance staying above the $1,500.00 minimum until that time. Information regarding these changes was sent to you at the time your account was updated. In addition to the information given at the time of your account conversion, your monthly statements, which are viewable on 53.com, each state the reason for the waiver or charge of the monthly service fee. Although we regret any misunderstanding that may have occurred throughout this process, we cannot waive further maintenance fees on this account. In the time period prior to your account update, we encouraged you to choose the checking product that that would best meet your needs after a review of your accounts with one of our Bankers. At that time, the Bank serviced more than thirty (30) checking and savings account types. Each account had different features and rules that governed them. In order to simplify the management of the accounts and to provide more flexibility and a clearer understanding to all of our customers, we restructured our deposit products. We understand that many of our customers enjoyed the features of the older account types that we offered. However, based on our research, we believe that our now current products have met the needs not only of our existing customers, but have appealed to a broader base of consumers. [redacted], I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. 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, Sarah Starkey Office of the President Enclosure: Essential Checking Information

Revdex.com:Although it wasn't sent via the method requested I have received my title.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

After reviewing the customer’s most recent comments, we believe we have fully addressed the customer’s concerns in our prior responses. Because no new information was provided, we will not be sending any additional written response. Please update your file as needed. The bank's previous responses to [redacted] are attached. Thank you, Alison SCustomer Care Team SpecialistOffice of the President | Fifth Third Bank

[redacted]
Date: July 31, 2015 Account:      [redacted] Account:      [redacted] Regarding Your Accounts Dear [redacted]: We received a copy of the letter you sent to the Better Business...

Bureau regarding your savings accounts. 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 our customers’ satisfaction.According to our records, your Maxsaver savings account and your Business Savings account were closed and placed for collections efforts on June 29, 2009. Due to the transaction activity in each of the accounts, the accounts were also reported to a consumer reporting agency called Early Warning Services (EWS) in June 2009. Early Warning Services may report the account activity for up to seven (7) years. If you would like to dispute the information that Early Warning Services is reporting, they can be reached at ###-###-####. For additional information regarding Early Warning Services, you can also visit them online at www.earlywarning.com.[redacted] 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 PresidentPc: Revdex.com

[redacted] Date: May 2, 2016 Account: [redacted] Regarding Your Credit Card Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, regarding the fraudulent...

transactions that posted your credit card account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. On April 25, 2016, you contacted the Bank about six (6) unauthorized transactions posted to your credit card ending in [redacted]. At that time, a block was placed on the account and dispute case number [redacted] was opened for the following items: Date Amount Merchant Name March 10, 2016 $3.10 [redacted] March 10, 2016 $15.92 [redacted] March 10, 2016 $50.16 [redacted] March 11, 2016 $2.06 [redacted] March 11, 2016 $3.22 [redacted] March 11, 2016 $177.27 [redacted] It should be noted that a replacement credit card ending in [redacted] was issued and sent to the address on file for your account. In addition, please allow up to ten (10) days to receive the initial letter regarding your dispute case. When disputing transactions on your credit card, we make every effort to resolve the dispute in as timely a manner as possible. As a result, please allow up to sixty (60) days for our investigation to be completed. If our research supports your dispute, the transactions in question and related finance charges will be credited back to your account. However, if our research does not support your dispute or if we receive proof that the transactions are legitimate, the purchases and applicable finance charges will remain on your credit card. After we have completed our investigation, a final resolution letter will be sent to the address on file detailing our decision. In order to follow up regarding the status of your dispute, please contact our Dispute Department at ###-###-####. Representatives are available assist you Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. [redacted] 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 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, Danielle S. Office of the President Pc: Revdex.com