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    ComplaintsforApplied Bank

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    Complaint Details

    Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

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    Complaint Status
    Complaint Type
    • Complaint Type:
      Billing Issues
      Status:
      Resolved
      Extremely disappointed in Applied Bank. Spoke with two different ladies and the Supervisor ******, kept advising me she does not know the answer to my question. You are withholding my payments and check payment that you tried to charge my account four different times for the one 100.00 check payment which I did not authorize. Only one payment of 100.00 and it went through and now I'm being told it is being withheld until Jan 14th, EVENTHOUGH you have taken the funds out of my account. What kind of answer is I don't know to a customer, really. Horrible and deceitful practices. I have reported to consumer affairs. I've been a customer for a long time and just recently received an increase of credit line to be treated like this. I can be reached at

      Business response

      01/05/2024

      January 5, 2024

      BBB File #: 21066854

      Dear Ms. ******

      I am writing in regards to the December 28, 2023 inquiry concerning Ms. ****** *****.  The inquiry was referred to me for review and response.  Thank you for bringing this matter to our attention.

      We have addressed this matter directly with Ms. ***** via written correspondence mailed on January 8, 2024.  However, in order to protect our customer’s confidentiality, we are unable to provide you with the details.  For further information, please contact Ms. ***** directly.

      Please contact the Executive Correspondence department Toll-free at (866) 271-3710, extension *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter.

      Sincerely,



      Executive Correspondence

      Customer response

      01/11/2024

      Better Business Bureau:

      I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 

      Regards,

      Complaint ID: 21066854

       

       

       

    • Complaint Type:
      Billing Issues
      Status:
      Answered
      I recently obtained a copy of my credit report and would like to bring to your attention multiple inaccuracies I’ve noticed on my report. I’m concerned that this is affecting my credit score and would like for you to re-investigate these matters and delete the inaccurate account. EXHIBIT A: APPLIED BANK - 422709XXXXXX: Delete this account for inaccuracy because the PAYMENT HISTORY shows OK for JUNE 2023, 60 days late JULY 2023. I was not late 60 days JULY 2023. Please re-investigate this matter and delete the disputed information as soon as possible, thank you for your assistance.

      Business response

      12/04/2023

      November 4, 2023


      Re: *********** ****
      BBB File #: 20915951

      Dear Ms. *****:

      I am writing in regards to the November 26, 2023 inquiry concerning Mr. *********** ****.  The inquiry was referred to me for review and response.  Thank you for bringing this matter to our attention.

      We have addressed this matter directly with Mr. **** via written correspondence mailed on November 5, 2023.  However, in order to protect our customer’s confidentiality, we are unable to provide you with the details.  For further information, please contact Mr. **** directly.

      Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter.

      Sincerely,



      Executive Correspondence

      Customer response

      12/09/2023

      Better Business Bureau: I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my issue.  For your reference, details of the offer I reviewed appear below.Applied Bank has responded that they allegedly sent correspondence to my address on 11/05/2023 which I have never received. I addressed this issue with them and the credit agencies on 10/15/2023 and have certified receipts to prove it. The attachment provided shows that after pulling my credit report that Applied Bank verified this account on 12/07/2023 but in doing so, violated my consumer rights under the FCRA. Delete this charge-off for inaccuracy because pursuant to Section 623(a)(3), it is the duty of furnishers to provide notice of dispute within 30 days after receiving my dispute which they did NOT do if you take a look at the comments section where it's supposed to be entered on my credit report. Regards, Complaint ID: 20915951    

      Business response

      12/22/2023

      December 22, 2023


      Re: *********** ****
      BBB File #: 20915951           

      Dear Ms. *****:

      I am writing in regards to your December 19, 2023 follow up inquiry concerning Mr. Christopher ****.  The inquiry was referred to me for further review and response.  Thank you for bringing this matter to our attention.

      We have addressed this matter directly with Mr. **** via written correspondence mailed on December 22, 2023.  However, in order to protect our customer’s confidentiality, we are unable to provide you with the details.  For further information, please contact Mr. **** directly.

      Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter.

      Sincerely,


      Executive Correspondence
    • Complaint Type:
      Billing Issues
      Status:
      Answered
      I had a credit card account with Applied Bank. My account was recently charged an annual renewal fee. Within 30 days of receiving the account statement with the charge, I called Applied Bank and informed them that I wanted to cancel my account and obtain a refund of the renewal fee. I paid off my account on that day as well. At that time, I was advised that I would have to send a request in writing for a refund of the annual fee. I was not advised of anything else that I would need to do and so I proceeded to do exactly that. Following the submission of my request, I received a letter stating that I was not eligible for a refund. I effectively met the terms of agreement by canceling and paying off the account and in writing requesting the refund due to account closure. Still, I did not receive a refund of the annual fee that was charged to me.

      Business response

      07/18/2023

      July 18, 2023  I am writing in regards to the July 10, 2023 inquiry concerning Ms. Janice ************. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ************ via written correspondence mailed on July 18, 2023. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ************ directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence

      Customer response

      08/15/2023

      Better Business Bureau: I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below. **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered. The business provided a response that was inadequate. They did not offer a refund of the fee indicating that the account statement said that I needed to contact them within a certain time frame of the statement date. However, this requirement conflicts with the actual account disclosure that I received when I opened the account. It also conflicts with the account disclosure that is on the back of the statement every month. The company in actuality has 3 different disclosures regarding the renewal fee, and I was in compliance with the disclosure that was issued as part of the formal account disclosure agreement. Regards, Complaint ID: 20286511    

      Business response

      08/23/2023

      August 23, 2023   I am writing in regards to your August 15, 2023 follow up inquiry concerning Ms. Janice ************. The inquiry was referred to me for further review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ************ via written correspondence mailed on August 24, 2023. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ************ directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence
    • Complaint Type:
      Billing Issues
      Status:
      Answered
      This is a formal complaint that you are reporting inaccurate and incorrect information on my credit report According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof (i.e.: an original consumer contract with my signature on it) that you have on file for the account listed below. Applied Bank 422709XXXXXXXXXX $741 Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be removed immediately from my Transunion credit report: Applied Bank 422709XXXXXXXXXX $741

      Business response

      07/12/2023

      July 12, 2023   I am writing in regards to the July 3, 2023 inquiry concerning Mr. ****** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ***** via written correspondence mailed on July 13, 2023. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence

      Customer response

      07/13/2023

      Better Business Bureau:

      I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.

      **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.




      Regards,

      Complaint ID: 20266458

       

       

       

      Business response

      08/03/2023

      August 3, 2023   I am writing in regards to your July 31, 2023 follow up inquiry concerning Mr. ****** *****. The inquiry was referred to me for further review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ***** via written correspondence mailed on August 3, 2023. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ***** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence
    • Complaint Type:
      Product Issues
      Status:
      Resolved
      March 19th, I mailed in a letter and PAID POSTAGE for them to remove my late fees, due to disability, not working and illness from covid related issues. Today, they still haven't received it. The excuse was, they are receiving a lot of mail. ****** with Applied Bank was not helpful. Its ridiculous a company expects you to mail a request in for a late fee but when you do it, they do not follow through. Also, they are illegally holding my funds of 20.00 for incidentals from Courtyard Marriott from March 25th. I called the merchant and they advised me and sent proof that the release the authorization back to my account on March 26th and sent to Applier Bank. APPLIED BANK is telling me that eventhough they received the release, they're holding the money until April 7th. UNETHICAL AND ILLEGAL. I would like my late fees removed as I pay on time and I would like my money put back into my account IMMEDIATELY!

      Business response

      04/10/2023

      April 10, 2023   I am writing in regards to the April 3, 2023 inquiry concerning Ms. ****** *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ***** via written correspondence mailed on April 11, 2023. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence

      Customer response

      04/12/2023

      Better Business Bureau:

      I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 

      Regards,

      Complaint ID: 19889431

       

       

       

    • Complaint Type:
      Billing Issues
      Status:
      Answered
      This company is very aggressive in late payments and also on reporting very inaccurate information on my credit report. Many violations under u.s.c 1681 a. Furnishing information without a written instruction by me. A consumer Reporting agency cannot furnish information without consent. They are damaging my life please help me.

      Business response

      09/29/2022

      September 29, 2022   I am writing in regards to the September 18, 2022 inquiry concerning Ms. ******* ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ****** via written correspondence mailed on September 29, 2022. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ****** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** ***r Executive Correspondence

      Customer response

      10/20/2022

      Better Business Bureau:

      I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.

      **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.

      This company is claiming to report 100% accurate on my credit report but its not there alot of inaccurate information across all 3 bureaus very negative information with out my written consent im providing a screen shot please review Last active Last reported Comment section Balance Date opened Review download thoroughly


       
      Desired Outcome:
      Correction to a credit report; Delete immediately




      Regards,

      Complaint ID: 18042431

       

       

       

      Business response

      10/20/2022

      Business
      Most Recent Message
      Date Sent: 10/19/2022 2:58:04 PM
      October 19, 2022 I am writing in regards to your October 5, 2022 follow up inquiry concerning Ms. ******* ******* The inquiry was referred to me for further review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ****** via written correspondence mailed on October 20, 2021. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, Karen Weir Executive Correspondence
    • Complaint Type:
      Billing Issues
      Status:
      Answered
      Upon finally checking in on my credit, as I’ve just started learning more about it, And I’ve come across numerous erroneous accounts, and have to add this one to the list as well. I’ve never had any dealings with Applied Bank or it’s affiliates and as such are demanding that this account/tradeline be removed from my credit reports immediately and permanently (Transunion, Experian, Equifax) I’ve already established numerous contacts with all the major credit agencies and have gotten numerous fake accounts with my information used to open them, removed from my reports, and this one should be no different. Their trade line is showing a past due balance of 1,189 charged off, with multiple missed payments, which is destroying my credit because this account is not mine. You can see from other reviews on here and Google that other people have dealt with the same thing. I AM TELLING YOU I do not owe you all anything, nor have I had ANY dealings with you all. My attorney has advised me to file a formal complaint on an open forum to give this company one final chance to rectify this situation. If not, legal action will be filed and litigation will commence. I am finally getting my financial future to the place it needs to be and I refuse to allow false or erroneous accounts stand in the way of my financial freedom.

      Business response

      08/25/2022

      August 25, 2022   I am writing in regards to the August 16, 2022 inquiry concerning Mr. Deandre *****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ***** via written correspondence mailed on August 25, 2022. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence

      Customer response

      09/01/2022

      Better Business Bureau:

      I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.

      **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.

      I have not received anything via mail, they have not done anything but send me an email telling me to call them, or a particular lady, to which I need this resolved and put out so everyone can see because I’ve had bad experiences with companies and they try to do this so you don’t complete the process on the public forum so they can  not have a bad mark on their business. I responded to their email, telling them to talk about the matter on here, but it has been a week with no response. I feel they do not want to resolve this matter, and that it’s not too serious to them as it is to me…but this fraudulent account is hurting my credit and I need it removed off of Transunion, Equifax, and Experian ASAP…!!!



      Regards,

      Complaint ID: 17722006

       

       

       

      Business response

      09/15/2022

      September 15, 2022  I am writing in regards to your September 15, 2022 follow up inquiry concerning Mr. Deandre *****. The inquiry was referred to me for further review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ***** via written correspondence mailed on September 15, 2021. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ***** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence
    • Complaint Type:
      Billing Issues
      Status:
      Answered

      Applied bank had been closed and sued for unlawful debt collections and apparently reopened why? If they are not going to abide by banking laws. Apparently my loan disclosures from a different bank chase Bank were left at Applied bank or are they the same bank. Close the account chemical bank had been discharged more than likely used Applied bank debt collection had had gotten old account information if this bank had any discrepancy or other personal information and in a position of trust should notify the person.

      -Applied bank must issue student loans and someone at chase Bank must have taken out a student loan or loan under my personal information I have a another complaint filed

      Business response

      07/20/2022

      July 20, 2022   I am writing in regards to the July 18, 2022 inquiry concerning Ms. ******* *********** The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ********** via written correspondence mailed on July 20, 2022. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ********** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** *Executive Correspondence

      Customer response

      07/26/2022

      The representative did nit answer the concerns apparently Ms ****** got a job with applied bank and left my chase Bank disclosures at applied bank I did not give her permission to have those disclosures in her possession her and her sister have networked to my insurance and made threats witchy comments at my home I have thus moved and a resident at 3am in the morning blasted some music from rocky horror picture show thus recognizing their harassment including appliedcbanks over billing and inflated monthly payments all statemented under ollinois law statue there is a percentage limited a bank can charge of monthly billing statements which your payments are against banking law in that regard you were sued in the past I wonder if whom you employed had any involvement with applied bank being sued it was also said that a credit card was opened in my name apparently from those chase Bank disclosures falling into the wrong hands and the karma is a default and or charge off of a card I never opened nor did applied bank disclose my personal information had been compromised by a usps worker so with all of this I'll be forwarding this complaint to the attorney General office that closed your doors consequently to hide credit card fraud the fraudulent card is close Ms ****** harassment is going to get her locked up especially when I find she has items of mine that don't belong to her please let her know

      Business response

      08/19/2022

      August 19, 2022   I am writing in regards to your August 12, 2022 follow up inquiry concerning Ms. ******* **********. The inquiry was referred to me for further review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. ********** via written correspondence mailed on August 19, 2021. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. ********** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence
    • Complaint Type:
      Billing Issues
      Status:
      Resolved
      I’ve had the card for about a year and I just want to pay them off. They won’t get anymore money from me until I receive confirmation of the total amount due.

      Business response

      07/11/2022

      July 7, 2022  I am writing in regards to the June 28, 2022 inquiry concerning Ms. ******** ****. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Ms. **** via written correspondence mailed on July 7, 2022. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Ms. **** directly. Please contact the Executive Correspondence department Toll-free at (**** ********* ********* *****, between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence

      Customer response

      07/13/2022

      Better Business Bureau:

      I have reviewed the response made by the business in reference to my complaint and find that this resolution is satisfactory to me. 

      Regards,

      Complaint ID: 17492671

       

       

       

    • Complaint Type:
      Billing Issues
      Status:
      Answered
      THIS FDIC BANK HAS NO EMAIL ACCESS A VIOLATION OF USDOJ #ADA POLICY INFORMED CSR CALL CENTER DELWARE OFFICES CLOSE TOO EARLY FOR SUBPRIME WEST COAST RETAIL CONSUMERS AND BUSINESS CLIENTS OF THE BANK. BIDENS HOME STATE ELIZABETH WARREN SENATOR FEINSTEIN SEN KENNEDY APRISED OF BANK MISCONDUCT OWNED BY UNITED WAY HISTORY OF SCANDELS AKA RED CROSS PREPAID SUBPRIME CARD FRAUD HURRICANE KATRINE MANY BANKS ARE TARGETING AARP FRAUDWATCH SENIORS, DISABLED MILIARY DOD VA BIZ OWNERS VETERANS, SOLICITAITONS VIA SNAIL AND EMAIL TO EXISTING CAP 1 CUSTOMERS ET AL BAD UX OVERALL X GOOGLE DEVLOPER 90S REPORTED ISSUES TO CALL CENTER VIA VOICEPHONE SEVERAL OCCASIONS IN RE: ACCT TAKEOVER FRAUD POTENTIAL NOTED ON MY ONLINE WEBSITE ACCT NO PHONE APP EST 1997 MY FUNDINGBYRICKY.COM EST 1994 ONLINE 1994 DIV PAYLESS INTERNET SERVICES DUNS DOD VA DISABLED VIETNAM VET AGE 73 FED CONTRACTOR THERE IS NO ADA ACESS PROIVISIONS ON STATIC WEBSITE FOR BANK CREATED 1997 NOT FOR 2022 BAD UI BAD UX MSN BETA TESTER PROGRAMMER 4 BILL GATES AS WELL TECHNICIAN TECH SUPPORT FINANCE AND IT CONSULTANT VETTED I AM DISMAYED THERE IS NO SIMPLE EMAIL ADDRES @ OR FORM KUDOS 2 BBB ON OPERATIONS AND USER INTERFACE ON WEBSITE FOR SENIORS EZ 2 USE ... THE IT DEPT TECH SUPPORT PHONE DOES NOT ANSWER !@ THE BANK THE CSR CALL CENTER HAVE NO AUTHORITY. ;CANNOT GET THE BANK TO REMOVE AN ILLEGAL PHONE NUMBER TO RECEIVE 2FA SMS TEXT CODES FROM BANK SERVER 24/7 IN ORDER TO ACESS MY ACCT DATA FOR UNSECURED SUBPRIME APPLIED BANK FDIC VISA CREDIT CARD ACCT. I AM ATTEMPTING TO REBUILD FICO SCORE 8 WITH EXPERIAN BOOST ET AL DUE TO APS SF COUNTY HISTORY OF FINANCIAL ABUSE BY VA DEPENDENT DOCUMENTED (MEDICAID, MENTALLY ILL) THE BANK IS GUILTY OF ADA INFRACTIONS OF THE STAUTE, AS WELL AN POOR CUSTOMER SERVICE REPORTED ON NON BBB.ORG ASSETS SITES, APPS ONLINE DUE TO THEIR PREYING UPON THE MOST VUNERABLE IN OUR SOCIETY THE WHITE HOUSE VET REP DOEST NOT CARE ITS BIDENS HOME STATE AND THE DEPT OF FINANCIAL STATE DE DIDNT HELP $30 REFUND?

      Business response

      07/11/2022

      July 5, 2022   I am writing in regards to the June 27, 2022 inquiry concerning Mr. ***** ******. The inquiry was referred to me for review and response. Thank you for bringing this matter to our attention. We have addressed this matter directly with Mr. ****** via written correspondence mailed on July 6, 2022. However, in order to protect our customer’s confidentiality, we are unable to provide you with the details. For further information, please contact Mr. ****** directly. Please contact the Executive Correspondence department Toll-free at ***** ********* ********* ****** between the hours of 8:00 AM and 5:00 PM Eastern Time, should you have any further questions regarding this matter. Sincerely, ***** **** Executive Correspondence

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