Fifth Third Bank

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.]
5/3rd states that I did not come to the branch to pick up the card. Their "customer service" told me, I'm assuming on a recorded line, that the card was being mailed to me. Another in a long list of lies. They also lied about the order of the charges - I have the proof from [redacted] about the order in which they were actually made. I will be closing my account with them and pursing this matter further. Theft is theft even when your name is 5/3rd. 
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: October 18, 2016 Regarding Your Recent Mortgage Application Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com and your email to the Bank regarding your...

recent mortgage loan application. We appreciate the time you have taken to express your concerns regarding this matter. Your comments expressing less than quality service from our employees is extremely concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience this application process may have caused you. Please be assured that senior management in your region has been informed of your dissatisfaction with the service your received. We strive to provide professional and accurate information to all of our customers, and we regret if all the service you received did not meet the same high standard. You also requested the email addresses for Edward R., Head of Mortgage and Greg C., President and Chief Executive Officer of Fifth Third Bank. Please be aware our office is charged with the responsibility to research and respond to complaints directed toward Fifth Third Executives. Our senior and executive management teams review our customer concerns as part of our ongoing commitment to improving our customers’ satisfaction. While it is our desire to extend credit to every individual that applies, it is not always possible for us to do so. When applying for a mortgage loan several factors are reviewed before final approval may be given for the mortgage loan, including any information we receive from the credit reporting agencies, the documentation that you have provided and an appraisal of the property. Should the information we receive not meet our current guidelines for lending, your application may be declined. I have attempted to contact you by telephone, but have not been able to connect with you. As I mentioned in my telephone message on October 12, 2016, the Bank denied your mortgage loan application on September 7, 2016. Please find enclosed a copy of the credit denial letter that was mailed to you the same day. Page one (1) of the denial letter explained your mortgage application was turned down for the following reason, incorrect information provided at time of application. Our research confirmed that the incorrect information was found on your 2014 and 2015 tax returns. On the mortgage application, you and your wife stated the [redacted] property was your primary residence. However, your tax returns filed in 2014 and 2015, you and your wife filed as single with different addresses as your primary residence. This information was confirmed by our Bank Protection Department. I have enclosed a copy of your 2014 and 2015 tax return for your convenience and review. registered service marks of Fifth Third Bancorp The Second Review Team has also reviewed your application, and confirmed the reason for denial is correct. Please find enclosed a copy of the Fifth Third Bank Mortgage Loan Pricing Agreement and Prepayment of Settlement Costs Policy that you signed and returned to the Bank on August 18, 2016. Specifically, on page two (2) the section titled Prepayment of Settlement Costs Policy, which states: An application fee will be charged in connection with your loan application. When applying for a residential mortgage loan a loan application fee is due. This application fee does not represent a pre-payment of specific closing costs. It does, however, represent a pre-payment of a portion of the total settlement costs. Assuming your loan application is approved, this prepayment of settlement costs will be applied towards your total costs due at closing your transaction. If your application is not approved, is withdrawn, or is approved and does not close, you will NOT be entitled to a refund of any fees paid including but not limited to the application fee and long term rate lock fee. Rate and Point Float Lock $350.00 Application fee is due upon your receipt of the Initial Loan Estimate and your expressed intent to proceed with the application when applying for a mortgage loan. Only one application fee will be charged for any one mortgage loan application. Along with the Mortgage Loan Pricing Agreement, please find enclosed a copy of the Loan Estimate, your signed Notice of Intent to Proceed, as well as the commitment letter mailed to you on August 3, 2016. Upon review of your complaint, Fifth Third has determined that the fact that the application fee was not refundable was disclosed and this fee will not be refunded as explained in the Pricing Agreement. 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 Enclosure: Pricing Agreement, Denial of Credit Letter, 2014 and 2015 tax returns, Loan Estimate, Notice of Intent to Proceed, Commitment Letter

[redacted] Date: March 22, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com concerning your mortgage loan. 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 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. During our telephone conversation on March 15, 2017, I explained that your full or total monthly mortgage loan payment of $921.94 is due on first (1st) day of each month. Your loan has a payment grace period of fifteen (15) days. Although the loan payment is considered late if it is not received by the payment due date, as long as we receive your payment within the payment grace period, a late payment fee will not be assessed. Since your loan payment is considered late if your payment is not received by the payment due date, the loan is subject to collection activity when the payment is not received by the payment due date. Our Collections Department begins making calls to customers when a payment is not received by the due date. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8 a.m. to 9 p.m., including holidays. Our Collections Department may make several calls each day in an effort to inform you of the past due payment and to make payment arrangements with you. Calls from our Collections Department are a failsafe that Fifth Third Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. They are certainly not intended to cause you any hardship or frustration. Also during our telephone conversation on March 15, 2017, I explained that you could stop calls from our Collections Department if you wish. To do so, please send a signed letter requesting a cease and desist. The letter must state that you would like Fifth Third Bank to cease and desist any further attempt to collect on your mortgage loan. You can send the letter to the following address: Fifth Third Bank Office of the President Attn: Adam P.5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati, Ohio 45263 Alternatively, you can request a cease and desist verbally by calling our Collections Department at ###-###-####, Monday through Friday, 8 a.m. to 9 p.m., ET, Saturday to Sunday, 8 a.m. to 5 p.m., ET. I also want to take this opportunity to ensure that you are aware that the Bank offers several payment options for making your mortgage loan payments. These options are outlined on your monthly mortgage loan statements. For your review and convenience, a copy of your mortgage loan statement dated March 14, 2017, is enclosed. Page two (2) of the enclosed mortgage loan statement outlines all of the payment options available. If you have any additional questions or concerns regarding your mortgage loan, please contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET. Alternatively, you may contact me directly at the telephone number provided in this letter and I will be happy to assist you. [redacted], thank you for your patience while waiting for a response. We truly value your business and we look forward to continuing our banking relationship with 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.Office of the President Enclosure (1): Mortgage Loan Statement Dated March 14, 2017 2

[redacted]Date: November 6, 2015 Account:          [redacted]Regarding Your Business Rewards Credit CardDear [redacted]: We received a copy of your additional complaint filed with the Revdex.com, regarding your Business Rewards Credit Card. We appreciate the time you have taken to document your thoughts and concerns regarding this matter.On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration 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 October 28, 2015. Our position on this matter has not changed. As we previously indicated, our records show that we are sending the account statements on a monthly basis to the address listed above, and nothing has been returned to the Bank as undeliverable. If you wish to update the mailing address listed above, please contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET.It should be noted, you have several options available if you wish to review your account balance, including via the ATM (Automated Teller Machine), on the Internet at 53.com, and by calling our automated customer service line at ###-###-####.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,  April Q.Office of the PresidentPc: Revdex.com

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.
The resolution I requested was to have the policy changed or at minimum to have an EXECUTIVE call me to explain why this policy is customer friendly.  
 
Fifth-Third's response was to explain the policy to me and why I wasn't compliant.  That information, I had already figured out.
 
In no way, did the customer relations manager explain how this practice is customer friendly.  
All it did was reinforce to me how this practice is predatory to the consumer.
 
It is a true statement on the banking system today.
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.  
I'm not seeing a new response here.
Regards,
[redacted]

[redacted]
[redacted]Date: March 20, 2015Account:        [redacted]Re: Status of your closed checking accountDear [redacted]:We received a copy of the complaint you recently filed with the Revdex.com. We appreciate the time you...

have taken to document your thoughts and concerns.On behalf of the Bank, please accept my sincere apologies for any inconvenience 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.Due to a check processing error by the Bank, two checks were mistakenly presented for payment on your account, resulting in your account becoming overdrawn. Since this error was not corrected by the Bank, your account was charged off and placed for collections.Please be aware that on March 18, 2015, Fifth Third Bank has deleted the negative information that was reported to a consumer reporting agency called Chexsystems. A letter notifying you of this correction was sent on March 18, 2015. No negative credit reporting information has been sent to any other consumer or credit reporting agencies. As of the date of this letter, you do not owe any money to Fifth Third Bank or [redacted]. If you would like to contact the credit bureaus directly, their contact information is below:[redacted]###-###-####[redacted]###-###-####[redacted]###-###-####[redacte...⇄ thank you for your patience while waiting for a response. You have been a valued customer, and we certainly hope you will consider using Fifth Third Bank for your financial needs in the future. 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,[redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

[redacted]Date:
June 22, 2015Account:     [redacted]Regarding Your Essential
Checking AccountDear
[redacted],We received a copy of the
complaint you filed with the Revdex.com concerning your...

Essential
Checking account. We appreciate the time you have taken to document your
thoughts and concerns.On behalf of the Bank, please accept my sincere apologies for any
inconvenience 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.To maintain the security of your account, I am sending this letter
to the mailing address we currently have on record for you. I noticed that the
address you use in your complaint is different. According to our security
protocols, I cannot update your mailing address based upon your complaint. I
encourage you to call customer service to make sure your address is properly
updated. They can be reached at ###-###-####, Monday through Friday, 7 a.m. to
8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET.We completed our review of the Essential Checking account ending
in [redacted], and the transaction you are
requesting to dispute from [redacted] that posted to your account on June 15,
2015, in the amount of $528.29. In our review of your phone calls with the
Bank, you mentioned that [redacted] billed you for an early cancellation fee and
non-returned equipment. As previously communicated to you, in order to dispute
this transaction, you would need to return the equipment to [redacted]. Once the
equipment has been returned to the merchant, you can contact our Disputes
Resolution Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.,
and Saturday 8:30 a.m. to 5 p.m., ET. Please note, as referenced in your
complaint, and previously communicated to you, the Bank does not have a
contract with [redacted] that is preventing you from disputing the transaction. I
am sorry for any misinformation you may have received.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.[redacted]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 notes were incorrect stating that Fifth Third Bank's  insurance department contacted my insurance agent. On the contrary! My agent contacted them on several occasions to try and correct the bank error stating our policy was not effective until May 29,2016. It was Effective the beginning of March,2016 with full comprehensive coverage. I have all payment receipts to my insurance agency  and policy dates to prove my coverage and payments I made each month of $125 to cover myself AND my wife which is not even required. We went the extra mile to pacify this bank. The bank never sent me a copy of proof of letters sent to us in December, Janurary, and March. In March 2016 (I still hold all receipts and documentation and phone recordings to back up my claims and will be providing them to be reviewed as proof) I brought my account up to current status because we had fallen behind on a couple of payments due to hardship and serious life threatening illness of my father which resulted in my wife leaving her job to care for him  and the bank refused to work with us during that time even when we requested an extension of only 5 days for our monthly payment, instead, only adding stress to the situation by demanding full payment or repossession. None the less, we could not keep up and fell behind. That was our fault and we completely take full responsibility for it, however,  in March, we made things right, so we thought, and fully paid all outstanding balances and even sent the payment through [redacted] paying an extra $20 for rush delivery(I have proof with receipts and will provide for review). We asked twice if there were any other grievances on the bank's end that needed to be addressed by us (we recorded this particular call having learned from past experiences with this bank and will be providing it for review as well) and were told twice on two separate occasions, "No Mr [redacted]. This will bring all problems with your account to a close and you may return to your regular payments of $399 monthly and we greatly appreciate the business you bring us." We resumed those payments immediately (receipts on those as well for review) for March and April because we were not told different nor were we sent a new payment booklet as the bank claims until May 2016. In MAY I recieved a payment booklet with payments for $786 monthly. After spending hours on the phone trying to sort this mess out to no avail and told them we never recieved a booklet in March this booklet magically appeared a few days later in our mailbox.  A SECOND payment book was recieved THREE DAYS LATER reflecting the $506 payments as stated in this letter. I still have both envelopes showing the postmark as being mailed 1 day apart on May 30,2016. This bank charged us retroactively after we had brought our account to good standing. They charged us for insurance lapses in December and January and February. They did not charge us until March and when we proved with many many faces direct from our agent in addition to phone calls that she was also spoken poorly to by the Bank's customer service agent, we had current coverage. They told us the insurance was retroactive and even though the time had passed they were going to add a policy for December 2015, Janurary 2016, and Feburary 2016, on March 16,2016 after we were told by customer service agents (names and employee ID are recorded but omitted here for privacy) there was nothing else that needed to be addressed at the beginning of March! I asked if they would cover damage that occurred during that time period and they replied yes. It so happens there was damage by a hail storm in the amount of $3,717 that we would have to pay out of pocket and asked if we could file a claim. They Athens changed their tune and the dates they were charging us for. They saw an opportunity to make an extra $2300 on our loan despite the fact that they did not catch it until March 2016. We then recieved a letter IN WRITING a couple of weeks ago that said in fact the insurance charges were only for March, April, and May2016. Convenient is it not? So which is it?December-May as stated in this letter, or March-May as stated in the latest letter we recieved in the mail last week? We have come to an impass with this financial institution with their unwillingness to correct their mistake and continue to fabricate the dates that fit their claims to squeeze excess money from us, while ruining my credit in the process and preventing us from our first home purchase and, also, so that I am unable to refinance with a different financial institution who does not have a reputation of misleading their customers, who are crude when they call, who willfully and maliciously attack customers they know are in an impossible situation. They charge you just enough that it would be cheaper to pay them than an attorney to fight them in court. They want you to fail. They want to squeeze every last dime from you until they bleed you dry and can not get any extra funds from you and then take your property so they profit off some other poor unsuspecting soul. Please do your research before using this bank! The information is out there! All you have to do is a simple Internet search for customer reviews on car loans with Fifth Third Bank and look at their [redacted] page in the comments! There are countless customers who have been scammed in the same fashion and manor as we have been. We didn't do our research. We just saw a low interest rate and jumped on it. We've paid double that interest rate by now.  We have hired an attorney who is starting proceedings to address this insurance scam and breach of contract on the bank's part in a civil court and also sending the complaints to [redacted] State Attorney General, [redacted], to assist us in the investigation of Fifth Third Bank's practices and to see if he can take action against them as well. We are paying the amount they are demanding, since they are ruining my credit and sent a repossession man to our place of business today, and seeking reimbursement for this and whatever else our attorney seems suitable plus attorney fees in court. I would rather pay an attorney and lose that money than let this bank to continue to Harris us for the remainder of the loan which is roughly 3 more years. All further communication with Fifth Third Bank and myself will be through our lawyer whose name is omitted to protect privacy.
Regards,
[redacted]

Attached is a copy of our response to the complaint filed by Ms. [redacted]  January 14, 2015[redacted]Re: Escheated cashier’s check [redacted] in the amount of $5,000.00Dear [redacted]We received a copy of...

your complaint filed with the Revdex.com, concerning the cashier’s check your father purchased in 2006. 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 condolences for your loss. Also, I want you to know that customer feedback on issues such as this helps us to identify problems and to improve the level of service we provide to our customers.State Law requires for the Bank to turn funds over to the State of Ohio if a cashier’s check remains outstanding for five (5) years. We were able to confirm that the funds from your father’s cashier’s check were escheated to the State of Ohio in 2012, reporting as owner unknown. In 2006, when the check was issued, the banking centers did not capture the address for cashier’s checks, therefore we never mailed him a letter informing him of the escheatment. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused.On January 14, 2015, our Escheatment Group submitted an update to the State of Ohio on your behalf regarding the ownership information for the check. A claim form will be sent in a separate mailing from the state for you to fill out to reclaim the funds, please be aware that this process can take between three (3) and six (6) months. If you have any questions regarding this transaction or the escheatment process, please let me know.I understand your frustration when trying to bring closure to this situation. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. 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.Ms. [redacted], thank you for your patience while we researched this matter. We truly value your business, and we look forward to continuing our banking relationship with you. If I could be of further assistance to you, please contact me directly at [redacted]Sincerely, [redacted]Consumer Resolution Specialist Office of the President[redacted]Consumer Resolution SpecialistOffice of the President

Per phone call from [redacted]:The business has resolved my complaint.Thank you
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]

[redacted], Apt. 10 [redacted] Date: September 15, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received your additional complaint filed with the Revdex.com regarding your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We have reviewed your additional concerns regarding the stop payment placed on the transaction to [redacted] for $295.72. After reviewing the recorded call from the time the stop payment was placed, we determined that the employee who assisted you did communicate that a stop payment on an automated clearing house (ACH) transaction could not be guaranteed. In addition, the employee you spoke with advised you that you could also work out alternate payment arrangements with [redacted]. Your additional correspondence mentioned that you did not receive a copy of the Rules and Regulations Applicable to all Fifth Third Consumer and Business Banking Accounts and Cards. After reviewing your checking account, we noted that your account was opened through our Internet website 53.com. When opening an account online through our Internet website, a welcome packet is sent to the address listed on file for the account within five (5) to ten (10) business days. This welcome packet includes all of the pertinent account documentation, including the Rules and Regulations Applicable to all Fifth Third Consumer and Business Banking Accounts and Cards. As we have confirmed that the appropriate information and documentation was provided to you, and we have already waived an additional overdraft fee of $37.00 in the interest of customer service, we have determined that nothing further is due to be refunded to you. We apologize for any difficulty or concern this may have caused you. We strive to provide professional and accurate service to our customers, and again I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at 616-653-9156, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W.Office of the President Pc: Revdex.com

Problem: I have another complaint filed with the Revdex.com filed in August now the bank has done the exact same thing again for the month of September and they still haven't resolved the issue from August. Sarah S. from the office of the President contacted me regarding the original complaint and promised...

to get it resolved. I followed her directions and still haven't heard back or received any resolution. Now in September the bank has charged me TWICE after telling me they wiped out all previous arrangements set up electronically to prevent any issues going forward. I spent 1 hour on the phone with customer service this morning speaking with a representative who left me on hold for 25 minutes pretending to seek out a supervisor who she later stated was in a meeting. I called and left multiple messages for Sarah regarding her follow up to my August issue and also alerting her to the issue that occurred now in September and of course NO ANSWER. How is it legal for this bank to continue to do this with no recourse?Desired Outcome: OVERDRAFT FEES REFUNDED ERRORS CORRECTED CUSTOMER SERVICE OR DOES IT NOT MATTER?

I would like to be compensated for the numerous hours I spent trying to resolve this and the fact that it took 13 months to resolve. A refund of the money owed to me is not sufficient.

[redacted] Date: May 16, 2016 Account: [redacted] Regarding Your 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. We completed a review of the installment loan account ending in [redacted]. On March 29, 2016, we received the enclosed Auto BillPayer enrollment form, and your request for automatic payments was processed. The enclosed letter was sent to you, informing you that Auto BillPayer will automatically pay your account every month starting April 6, 2016. As explained in this letter, on April 6, 2016, a payment in the amount of $334.03 was processed by Auto BillPayer. In addition, on April 1, 2016, you scheduled a payment to the installment loan to be processed on April 4, 2016, via 53.com in the amount of $334.03. On April 7, 2016, you requested for the overpayment to be reversed and credited to your checking account ending in [redacted]. As explained during your telephone call with the Bank, this request would take three (3) business days to be completed. On April 12, 2016, we reversed the payment in the amount of $334.03 from the installment loan account. We also completed a review of the payoff information that was provided for the account, which included the following: ** On April 8, 2016, at 12:13 p.m. a payoff quote was requested through the automated system. The payoff amount quoted at this time was $19,429.89, with a per diem of $3.34. ** On April 13, 2016, at 10:20 a.m. a payoff quote was requested to be sent via mail and the enclosed letter was sent to you. The payoff amount at this time was $19,780.97, with a per diem of $3.39. ** On April 20, 2016, at 12:50 p.m. a payoff quote was requested through the automated system. The payoff amount quoted at this time was $311.37, with a per diem of $0.05. Our review of the account determined that the initial payoff quote requested on April 8, 2016, was requested prior to the payment being reversed on April 12, 2016. The payoff amount as of April 13, 2016, was $19,780.97. Because we received a payment in the amount of $19,466.60, that payoff for the installment loan was not satisfied. The account was still active and enrolled for automatic payments through Auto BillPayer, and on May 6, 2016, the final payoff in the amount of $311.71 was processed, and the account was closed. Because there was no overpayment made to the account, we will not accommodate your request for a refund. I apologize for any further frustration this may cause you. 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 Enclosures: Auto BillPayer Enrollment Form, Auto BillPayer Letter, Payoff Letter

[redacted] Date: November 23, 2015 Account: [redacted] Regarding Your Business Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your...

business checking account with Fifth Third Bank. We appreciate the time you have taken to share your thoughts and concerns regarding this matter. On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that we have contacted the relevant parties to fully research your account and passed on your concerns. On October 23, 2015, your business checking account balance was positive $3.93. One (1) debit from [redacted] in the amount of $424.48 posted to your account. Your ending account balance was negative ($424.48). Since your account balance was not sufficient to cover this transaction, your account was charged one (1) overdraft fee of $37.00 on the next business day. Our records indicate that this overdraft fee was waived by the Bank on June 26, 2015. On October 25, 2015, your account balance was negative ($33.07). One (1) debit from [redacted] in the amount of $629.28 posted to your account. Your ending account balance was negative ($628.28). Your account was charged one (1) overdraft fee of $37.00 on the next business day. Our records indicate that this overdraft fee was waived on June 29, 2015. On October 30, 2015, your account balance was negative ($34.77). One (1) debit from [redacted] in the amount of $644.08 posted to your account. Your ending account balance was negative ($742.85). Since your account balance was not sufficient to cover this transaction, your account was charged one (1) overdraft fee of $37.00 on the following business day. During the following fifty (50) days, your account remained in a negative state while additional overdraft fees were being charged. Unfortunately, no deposits were made to your account to return the account to a positive or zero balance. As a result, your account was charged off for $319.77 on August 18, 2015. Please be assured that this account was not sent to a collection company and will not be reported to the credit reporting agencies as a charged off account. All overdraft fees were waived when the account was closed. Therefore, we are unable to waive any overdraft fees on the account, as you have requested. Thank you for your patience while we researched this matter for you. You are a valued customer, and we look forward to servicing your financial needs in the future. If I may 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, Lisa S.Consumer Resolution Specialist Office of the President Pc: Revdex.com

Below is our response to the customer. Additional statement will be mailed with our response and attachments since only able to attach three additional items to the response. Thank you. [redacted] Date: January 28,...

2016 Account: [redacted] Regarding the Closure of Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding the closure of your checking account. We appreciate the time you have taken to share your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank strives to meet our customers’ financial needs while balancing a commitment to responsible banking practices. According to your complaint, you requested to have the checking account that you shared with your daughter, [redacted], closed the same day that you closed the joint savings account. We regret if you were told that both parties needed to be present to close the checking account. The checking account could have been closed as long as no additional transactions were outstanding at the time. We may have requested that you contact your daughter to confirm that all items had cleared the account. We would have been unable to remove your name from the checking account, however. In order to have a name removed from a depository account, the account would have to be closed. I regret if you were told otherwise. According to our records, our Bank Protection Department opened a case to investigate the activity on the checking account. It was discovered that multiple counterfeit checks were deposited into the joint checking account during September 2015. The deposits were made at an Automatic Teller Machine (ATM). After the deposits were made, funds were withdrawn from the account at the same ATM, which created an overdraft balance. I have enclosed copies of the related checking account statements and overdraft notices for your review. Our records indicate that we continued to send the statements and notices in both names to the address listed above. The checking account remained overdrawn and on October 14, 2015, the account was charged off for $910.33 and send to [redacted] for further collection proceedings. For additional information regarding the account, you may contact [redacted] at ###-###-####. If [redacted] is willing to accept a payment as a final settlement for the account, you may contact [redacted] regarding the status of your account, on the Internet at www.consumerdebit.com, via telephone at ###-###-#### or by mail at: [redacted], Consumer Relations, and [redacted] 
[redacted]. Fifth Third Bank, Member FDIC. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp I regret any inconvenience you may have experienced as a result of the charge off of this account. Please be assured that we have fully researched your concerns and we believe that this matter was handled both appropriately and professionally in accordance with the Bank’s policies and procedures. If I may 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, Lisa S. Office of the President Pc: Revdex.com Enclosures: Checking account statements, overdraft notices

We received a copy of the complaint you filed with the Revdex.com regarding your installment loan 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 these matters may have caused you. Please be assured that I have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. We strive to provide professional and accurate information to all of our customers, and we regret if that has not been your experience. It is important to ensure that full coverage insurance for your vehicle is maintained throughout the life of your installment loan. Letters were sent to the address on file for your installment loan requesting that you provide proof of insurance for your vehicle on October 20, 2014, November 18, 2014 and December 8, 2014. Unfortunately, we did not receive the requested documentation from you. Therefore, a force placed insurance policy was added to your installment loan on December 22, 2014, at a cost of $3,096.00. The policy was effective from August 19, 2014 to August 19, 2015. On January 12, 2015, you contacted us and requested that we speak with your insurance agent to verify coverage for your vehicle. At that time, we updated our records with the insurance policy information your agent provided to us verbally. As a result, the force placed insurance policy was cancelled and a partial refund of $2,731.00 was applied to your installment loan on January 15, 2015. However, due to the lapse of insurance coverage from August 19, 2014 through October 1, 2014, $365.00 of the force placed insurance policy remained due on your installment loan. Your agent provided additional information and confirmed there was no lapse in coverage for the vehicle. Accordingly, the remaining force placed insurance premium of $365.00 was credited back to your account on January 26, 2015. Your installment loan is considered past due for payment if we do not receive your total monthly payment including the cost of any forced place insurance by the due date indicated on your contract. Should your installment loan become past due, your account may be subject to late charges and we may attempt to repossess your vehicle. Our Collection Department will attempt to reach you via the telephone numbers we have on file for you to inform you of the delinquency to and make payment arrangements. Typically, it can take up to two (2) weeks for the cancellation of force place insurance to be processed and for the collection calls to be stopped. However, there was a delay due to a system issue. Unfortunately, you continued to receive collection calls during this time. On February 23, 2015, the force placed insurance was completely cancelled and removed from your installment loan. As a result, any late fees assessed because of the insurance were waived and the account was removed from the Collection Department. We sympathize with the difficulties you encountered regarding your installment loan. The most recent payment of $339.40 posted to your account on March 3, 2015. Your next payment is due on March 27, 2015. [redacted], please be assured that it was not our intention to cause you any hardship or frustration. We appreciate your feedback as it assists us in identifying problems and to continuously improve the level of service we provide to our customers. 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,   [redacted] Consumer Resolution Specialist Office of the President

[redacted] Date: September 11, 2015 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning...

your Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns, and we sympathize with the difficulties you haveexperienced. Your comments expressing less than quality service are very concerning and we regret the difficulties you experienced. 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 local management, as well as our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We completed a review of the Essential Checking account ending in [redacted]. The account was opened on April 3, 2015, and the Bank was unable to apply the necessary code to the account for the promotional offer. The first direct deposit was received into the account on April 30, 2015, which satisfied the requirements for the $200.00 cash bonus promotional offer. Our research determined the [redacted] Banking Center was to submit a request for the cash bonus offer in the amount of $200.00 to be credited to your account, and we regret the difficulties you experienced while attempting to complete this process. On September 10, 2015, we submitted a request, and the $200.00 was credited to the Essential Checking account. I hope this letter meets your satisfaction and resolves your need. Thank you for your patience while we researched this matter for you. We truly value your business, and we look forward to continuing our banking relationship with you. If I could be of further assistance to you, please contact me directly at [redacted] 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

attached is the response being sent to the customer today. [redacted]Re: Installment Loan [redacted] Dear [redacted]:We received a copy of the complaint you sent to the Revdex.com regarding your Installment Loan. We appreciate the opportunity to...

respond to this matter, and we sympathize with the hardships that you have experienced during the past few months.We are sorry for the difficulties you have experienced with the Installment Loan you acquired in December 2013. It is understandable this has caused you frustration and hardship while working to get the situation corrected.We responded to your previous complaint on November 10, 2014 with information regarding the delinquencies on the Installment Loan and steps that were taken to assist you in getting the matter settled.In addition, we received an application for settlement of this loan from you on November 10, 2014 However, missing from the paperwork was your [redacted] statement from October – November, your [redacted] statements for September – October, and October – November, as well as your credit counseling documents. The missing paperwork was received by Fifth Third Bank by November 19, 2014. Our Loss Mitigation Department called on December 7, 2014 to see if you had received any offers on the vehicle. On December 9, 2014, our Loss Mitigation Department denied the settlement due to no offers received within the time frame established. A denial letter was sent to you December 9, 2014Our Loss Mitigation Department was in contact with you again on January 26, 2015 regarding possible assistance Please keep the number provided for that department for future reference if you are able to submit a firm settlement offer. Their number again is [redacted], option 4 for assistance.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 [redacted]Sincerely, [redacted]Consumer Resolution Specialist Office of the PresidentFifth Third Bank, Member [redacted].      Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third