Fifth Third Bank

[redacted]. Attn: [redacted] Date: March 28, 2016 Account: [redacted] Regarding Your Fifth Third Bank Business Standard Checking Account Dear [redacted]: We received a copy...

of the complaint you submitted to the Revdex.com regarding your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Fifth Third Bank processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order: 1. Credits and deposits made prior to the end of day cut-off time as detailed in our Funds Availability Policy. 2. Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are received. 3. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges in the order of the largest amount to the smallest amount. I have enclosed a copy of our current Rules and Regulations for your review. Page twelve (12) provides additional information regarding our overdraft calculation order. On January 8, 2016, the beginning balance in your Business Standard checking account ending in [redacted] was positive $2,271.16. Four (4) debits totaling $2,562.69 posted to your account. Based upon the transaction posting order explained above, these items were posted to your account in the following order: 1. Web Initiated payment of $700.00 (Paid) 2. Debit card purchase of $7.79 (Paid) 3. Debit card purchase of $4.90 (Paid) 4. Check number 20011 in the amount of $1,850.00 (Paid) Additionally, Page eighteen (18) of our current Rules and Regulations provides information regarding our Funds Availability Policy for business accounts. Up to $200 of the total of your check deposits for the day made in any manner (including branch, ATM, etc.) will be available to you on the first business day after the day we receive your deposit. The remaining funds will be available no later than the second business day after the day we receive your deposit. I have enclosed a copy of the overdraft notice sent to you on January 11, 2016. Your ending balance was negative ($291.53). Also on January 11, 2016, the ACH deposit in the amount of $627.00 was received. We regret any misunderstanding that may have occurred regarding the date of this deposit. In the interest of customer service the $37.00 late fee you received associated with this matter was reversed March 28, 2016. Please note that you have the option to establish an overdraft protection account that would be linked to your business checking account. Overdraft protection automatically transfers funds from a Fifth Third Bank savings account, checking account, credit card, or equity line to cover items that may overdraw your checking account. There is a $12.00 fee per transfer if funds are transferred from your overdraft protection account. Please note that the linked account for overdraft protection must have the same primary account holder and Tax Identification Number (TIN) or Social Security Number (SSN) as the business checking account being protected. For additional information about overdraft protection please see page thirteen (13), section fourteen (14), of the Rules and Regulations. In addition, page seven (7) of the Rules and Regulations discloses the fee per transfer. Thank you for your patience while we researched this matter for you. 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 at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S. Office of the President Pc: Revdex.com Enclosures (2): Rules and Regulations Overdraft Notice

[redacted]Date: April 8, 2015 Account: [redacted]Re: Charged-off Checking Account Dear [redacted]:We received a copy of your complaint filed with the RevDex.com regarding your checking account. We appreciate the time you
have taken...

to express your thoughts and concerns. On behalf of the Bank, please
accept my sincere apologies for any frustration you experienced regarding this
matter.On July 28, 2014, you submitted an online
application via our website at 53.com for a Fifth Third [redacted] checking
account. Additionally, you included with your application that you wanted to
sign up for our Fifth Third Identity Alert program. While processing your
application, we verified that there was information for you listed with
[redacted] and as a result of that information, we were unable to approve you
for the [redacted] checking account. Please note that we are unable to advise
what information was listed with [redacted] that caused your application to be
denied. If you would like further information about what is listed in your name
with [redacted], please contact [redacted] directly at ###-###-####. The
email you included with your complaint was our email that advised you this
application was declined.After your application for an [redacted] checking account was
declined, we received a second (2nd) online application that same
day for a Fifth Third Basic checking account. We offer the Basic checking
account to customers who have [redacted] information reported and subsequently
are not eligible for any of our other checking account products. You also
elected to sign up for Fifth Third Identity Alert with the second (2nd)
application, for which there is a $6.00 monthly fee. You agreed to the terms of
the account online and your checking account ending in [redacted] was opened the same
day. Enclosed is a copy of your signature card that you electronically signed
to open the account.Our records indicate that you never made a
deposit into your checking account. However, because you enrolled in Fifth
Third Identity Alert, the first (1st) $6.00 monthly fee for the
program processed on your checking account on August 28, 2014. Because there
were insufficient funds to cover the transaction, the transaction was returned
as unpaid and a $25.00 returned item fee was assessed. Fifth Third Identity
Alert will attempt to reprocess a returned transaction a second (2nd)
time. The $6.00 processed again for the month of August 2014 on September 2,
2014. The item was again returned as unpaid and a $37.00 returned item fee was
assessed. Enclosed for your reference is a copy of the Rules and Regulations
Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards.
A link to this document was provided to you
online when you applied for your checking account. Page two (2) provides
additional information regarding the returned item fees that were assessed to
the account.Fifth Third Identity Alert attempted to process the $6.00 monthly
fee for September 2014 on September 26, 2014, and September 29, 2014. Both
transactions were returned as unpaid and a $37.00 returned item fee was
assessed each time. Additionally, the Basic checking account has an $11.00
monthly service charge. A copy of the Basic checking account brochure is
enclosed for your review. The monthly service charge debited from your checking
account on September 19, 2014, and October 21, 2014. Please note that we do not
charge overdraft fees on Bank fees. No overdraft fees were assessed for the
monthly service charges.On October 21, 2014, the balance in your checking account was
negative ($158.00). Enclosed for your review are all of the account statements
and overdraft notices that were generated for your account. Please note that
when you opened the account on July 28, 2014, you opted to receive your
statements online only. For this reason, we did not send you paper statements
or notices. However, because you did not log into our website within sixty (60)
days to confirm you wanted paper statements, we changed your selection
automatically to mail all of your statements and notices to the address listed
above. Beginning on September 27, 2014, your statements and overdraft notices
were mailed to you. Due to the continuous negative balance in your checking
account, we closed the account on October 22, 2014. We assessed a $30.00
charged-off account fee, charged off the new balance of negative ($188.00), and
sent the balance owed to [redacted] for collection.We verified that the entire charged-off balance was comprised of
Bank fees. For this reason, in the interest of customer service, we have
contacted [redacted] to cancel the charge-off. As a result, your Fifth Third
Bank checking account is no longer listed with [redacted]. We also waived the
$188.00 balance owed to the Bank. As of April 6, 2015, you do not owe any funds
to Fifth Third Bank for this account. Please note, however, that there is
information listed with [redacted] from another company as advised in our
email to you regarding your first (1st) checking account
application. Please contact [redacted] directly to verify what other
information they have listed for you.We appreciate your patience while we researched this matter. If I
can be of any further assistance, please call me at ###-###-####, or toll free
at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Senior Consumer Resolution Specialist Office
of the PresidentPc: Revdex.comEnclosure: Statements, Overdraft Notices, Signature Card, Rules
and Regulations, Basic Checking Account Brochure

[redacted] Date: September 20, 2016 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com regarding your mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration you may have experienced. However, we stand by our previous responses sent to the above address on August 31, 2016, and September 8, 2016. I have enclosed a copy of our previous written responses for your review. Our position on this matter has not changed. As mentioned in our prior response, an escrow account was established for the mortgage loan ending in [redacted]. The parcel number associated with your mortgage loan is [redacted]. Because the Bank does not have a mortgage loan associated with your property located at [redacted], in [redacted], [redacted], the Bank is unable to have an escrow account for that property. A mortgage loan for a different property cannot be used as an escrow account to pay taxes and insurance for an unassociated parcel. Escrow payments can only be processed for the collateral property. I hope this correspondence cleared up any outstanding questions you had related to this issue. 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 ###-###-####, 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
They eventually closed a loan for $85,000 after giving me a written commitment for $115,000.  I have written signed commitment for $115,000 and that is what I want to resolve this issue.  They had all the documentation they needed for at least 30 days before giving me that commitment nothing was concealed and my financial situation remained unchanged, in fact it improved since over the 3 months of process I paid off debt.I appreciate the response from Fifth Third but I feel it doesnt represent the situation correctly. In computing my income the application states my gross annual income was $1464-I gave proof with 1099 form that the income was actually $10,666.  Fifth Third as part of debt calculation used a pay-off amount of $18,332 from [redacted] Financial-I lease I am not buying the car my total debt was $4353. They included the residual value of the car as debt as if I bought the car, I have no intention of buying the car.In computing my income it appears even though the application clearly states "Gross Annual Income" they used my net business income.  I am self-employed and file a schedule c where I can deduct business expense-one of the main deductions I have is the lease on my car since I use it about 80% for business purposes-so it appears to me that I had the lease included as part of my debt than had my income reduced by the amount of the deduction I took for the leased auto,  In effect this was a double hit to my debt to income ratio, it remained part of my debt and my income was reduced to the extent I could deduct it, which to me is incorrect.My compliant to me has not been resolved.  I think their response while I appreciate it does not represent the situation in its entirety-I have a written commitment from them which I feel is contractual in nature and they have breached that contract.

[redacted]     Date:     July 2, 2015 Account:    [redacted]     Regarding Your Checking Account     Dear [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.   The beginning balance on your checking account on June 15, 2015, was negative ($15.03).  You had a mobile check deposit of $435.00 and a direct deposit of $330.00 credit to your account.  Because one of your deposits was a non Fifth Third check, a hold was placed on the funds.  Six (6) withdrawals and debits totaling $415.57 posted to your account, creating an ending balance of negative ($00.60).  Additionally, the Bank charged your account one (1) overdraft fee of $37.00 that same business day due to the overdraft situation from the prior business day transaction to Comenity for $30.00.  Because your account was overdrawn by less than $5.00 on June 15, you were not charged an overdraft fee that day.  I have enclosed a copy of your overdraft notice, which provides additional detail regarding the transactions that posted to the account and the fees that were assessed.   Checks deposited through our Mobile Deposit feature are subject to verification by Fifth Third, per the Digital Services Agreement you confirmed prior to making your deposit.  Information on the Availability of Funds deposit is available within the Mobile Deposit Section of your Mobile App.  We are continually working to ensure the funds from your deposits are available in a timely manner   For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the future.  Information regarding overdraft coverage options is also provided on the enclosed document.  Please feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guide.  I would be happy to assist you.   We strive to provide professional and accurate information to our customers and I regret the difficulties you have encountered regarding your account.  In the interest of customer service, we reversed fees totaling $74.00 since June 29, 2015.  Therefore, we are not willing to waive additional fees at this time.  As of July 1, 2015, your account has an available balance of $46.30.   You are a valued customer and I appreciate this opportunity to address your concerns.  If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.   Sincerely,   Carolyn G. Office of the President   Pc: Revdex.com   Enclosure:

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)

November 25, 2014[redacted]
[redacted]
Re: [redacted] Transfer November 6, 2014Dear Mr. [redacted]We have received a copy of the complaint you filed with the Revdex.com regarding a recent Fifth Third Bank [redacted] transfer. Thank you for the time you have taken...

to document your thoughts and concerns. We appreciate the opportunity to respond to this matter, and we sympathize with the difficulties you have experienced.On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced. Please be assured we have contacted the relevant parties to research this matter fully and passed on your concerns. We strive to provide professional and accurate service to our customers and I am sorry if this was not your experience.On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced. It was certainly not our intention to cause you any hardship. 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.[redacted] is a service offered to Fifth Third Internet Banking customers that allows customers to send money without checks or cash. This service lets customers “Pay Other People” [redacted]) by sending money to a person using that person’s email address, mobile telephone number, or bank account information. Many customers appreciate [redacted] as a safe and convenient alternative to cash or writing checks using their existing Fifth Third checking accounts. Our records show that on November 6, 2014 you requested $3,200 from First [redacted] to be sent as a [redacted] Standard Transfer to your Fifth Third Bank checking account ending in [redacted] As stated in the [redacted] Help Topic section of 53.com, Standard Transfers take three (3) business days to settle after the transfer request, while Next-Day Transfers reach the destination account by the next business day. Your transfer followed the stated schedule, with the debit from First [redacted] occurring on November 7, 2014, and the credit to your Fifth Third Bank checking account ending in [redacted] occurring on November 12, 2014.  Due to Veterans Day falling on November 11, 2014, the third business day for this transaction was November 12, 2014.Our records show that when this transfer was initiated you were in an introductory period for using [redacted], in which you are able to send money for free, please note for future reference that there are fees for using [redacted]. The fees for sending money using [redacted] are $.99 for Standard Delivery and $2.99 for Expedited Delivery.Mr. [redacted] thank you for your patience while you waited for a response. We appreciate your business and look forward to serving your financial needs in the future. If I may be of further assistance to you, please call me directly at ###-###-#### or toll free at ###-###-####.Sincerely, [redacted]     November 25, 2014  [redacted]1402 106th Avenue Otsego, MI 49078  Re: [redacted] Transfer November 6, 2014  Dear Mr. Maxwell, We have received a copy of the complaint you filed with the Revdex.com regarding a recent Fifth Third Bank PopMoney transfer. Thank you for the time you have taken to document your thoughts and concerns. We appreciate the opportunity to respond to this matter, and we sympathize with the difficulties you have experienced. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced. Please be assured we have contacted the relevant parties to research this matter fully and passed on your concerns. We strive to provide professional and accurate service to our customers and I am sorry if this was not your experience. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced. It was certainly not our intention to cause you any hardship. 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. [redacted] is a service offered to Fifth Third Internet Banking customers that allows customers to send money without checks or cash. This service lets customers “Pay Other People” [redacted]) by sending money to a person using that person’s email address, mobile telephone number, or bank account information. Many customers appreciate [redacted] as a safe and convenient alternative to cash or writing checks using their existing Fifth Third checking accounts.  Our records show that on November 6, 2014 you requested $3,200 from First [redacted] to be sent as a [redacted] Standard Transfer to your Fifth Third Bank checking account ending in [redacted] As stated in the [redacted] Help Topic section of 53.com, Standard Transfers take three (3) business days to settle after the transfer request, while Next-Day Transfers reach the destination account by the next business day. Your transfer followed the stated schedule, with the debit from First [redacted] occurring on November 7, 2014, and the credit to your Fifth Third Bank checking account ending in [redacted] occurring on November 12, 2014. Due to Veterans Day falling on November11, 2014, the third business day for this transaction was November 12, 2014. Our records show that when this transfer was initiated you were in an introductory period for using [redacted], in which you are able to send money for free, please note for future reference that there are fees for using [redacted]. The fees for sending money using [redacted] are $.99 for Standard Delivery and $2.99 for Expedited Delivery. Mr. [redacted] thank you for your patience while you waited for a response. We appreciate your business and look forward to serving your financial needs in the future. If I may be of further assistance to you, please call me directly at (513) 358-1320 or toll free at ###-###-####. Sincerely, [redacted]Consumer Resolution SpecialistOffice of the President    November 25, 2014  [redacted]1402 106th Avenue Otsego, MI 49078  Re: [redacted] Transfer November 6, 2014  Dear Mr. Maxwell, We have received a copy of the complaint you filed with the Revdex.com regarding a recent Fifth Third Bank PopMoney transfer. Thank you for the time you have taken to document your thoughts and concerns. We appreciate the opportunity to respond to this matter, and we sympathize with the difficulties you have experienced. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced. Please be assured we have contacted the relevant parties to research this matter fully and passed on your concerns. We strive to provide professional and accurate service to our customers and I am sorry if this was not your experience. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced. It was certainly not our intention to cause you any hardship. 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. [redacted] is a service offered to Fifth Third Internet Banking customers that allows customers to send money without checks or cash. This service lets customers “Pay Other People” [redacted]) by sending money to a person using that person’s email address, mobile telephone number, or bank account information. Many customers appreciate [redacted] as a safe and convenient alternative to cash or writing checks using their existing Fifth Third checking accounts.  Our records show that on November 6, 2014 you requested $3,200 from First [redacted] to be sent as a [redacted] Standard Transfer to your Fifth Third Bank checking account ending in [redacted] As stated in the [redacted] Help Topic section of 53.com, Standard Transfers take three (3) business days to settle after the transfer request, while Next-Day Transfers reach the destination account by the next business day. Your transfer followed the stated schedule, with the debit from First [redacted] occurring on November 7, 2014, and the credit to your Fifth Third Bank checking account ending in [redacted] occurring on November 12, 2014. Due to Veterans Day falling on November11, 2014, the third business day for this transaction was November 12, 2014. Our records show that when this transfer was initiated you were in an introductory period for using [redacted], in which you are able to send money for free, please note for future reference that there are fees for using [redacted]. The fees for sending money using [redacted] are $.99 for Standard Delivery and $2.99 for Expedited Delivery. Mr. [redacted] thank you for your patience while you waited for a response. We appreciate your business and look forward to serving your financial needs in the future. If I may be of further assistance to you, please call me directly at (513) 358-1320 or toll free at ###-###-####. Sincerely, [redacted]Consumer Resolution SpecialistOffice of the President

[redacted] Date: October 4, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your installment loan....

We appreciate the time you have taken to document your thoughts and concerns regarding this matter. After Fifth Third Bank received notification from your insurance company that your policy had been cancelled on April 20, 2016, we sent notices to the mailing address on file to request proof of full coverage vehicle insurance. This is required under the terms of your installment loan contract. The notices were sent on May 2, 2016, June 6, 2016, and July 11, 2016. I have enclosed copies for your review. When we did not receive the requested proof of insurance, we added force-placed insurance costing $1,456.00 to your installment loan on July 26, 2016. As a result, your monthly payment increased from $204.39 to $366.17 beginning August 17, 2016. On August 17, 2016, Auto BillPayer withdrew your August payment of $366.17. After you contacted the Bank on August 18, 2016, we received proof of full coverage vehicle insurance from your insurance company. On August 22, 2016, the force-placed insurance was cancelled, and your installment loan was credited for the full amount of $1,456.00. Your monthly payment amount was also lowered back to $204.39, effective August 17, 2016. Since the increased payment of $366.17 was withdrawn from your account on August 17, 2016, your installment loan was overpaid by $161.78 after the force-placed insurance was removed from your installment loan. Therefore, only $42.81 was needed to satisfy your September payment. However, Auto BillPayer withdraws the amount of your regular payment each month, which is $204.39. That is why $204.39 was withdrawn from your account on September 16, 2016. Auto BillPayer does not account for any overpayments on your installment loan. On behalf of the Bank, please accept my sincere apologies for the misinformation you received. At your request, the payment of $204.39 was returned to you on September 23, 2016. On September 26, 2016, we received and posted your payment of $42.61 and back-dated it to be effective September 16, 2016. Your Auto BillPayer withdrawal of $204.39 is scheduled for October 17, 2016. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. 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, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Insurance notices

5050 Kingsley DriveMD 1MOCOPCincinnati OH 45263[redacted]Date: August 19, 2016Account: [redacted]Regarding Your Mortgage AccountDear [redacted]:We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your mortgage loan account. We appreciate the time you have taken to express your thoughts and concerns.I am very sorry for the difficulties you experienced with the Bank after switching your homeowner’s insurance in February 2016, and after your monthly payment changed in June 2016 due to your escrow analysis. Per our conversation on August 9, 2016, the Bank can apply only full monthly mortgage payments to the loan. Payments that are insufficient to cover the payment due are not able to be utilized toward the payment owed. For this reason, the funds are placed into an unapplied state until we receive additional funds to satisfy the full payment. If the remaining funds needed to satisfy the payment are not received within thirty (30) days of the due date, the loan is reported delinquent to the credit reporting agencies.Per the April 2016 escrow analysis, if the shortage was not paid then the new payment for your mortgage loan effective June 1, 2016, was $1,180.13. The $1,109.71 we processed on June 1, 2016, was insufficient to cover the payment due so it was placed into an unapplied state. We then received a $1,180.13 payment on July 1, 2016, which was utilized to cover the payment due for June 1, 2016.  Because the payment was received more than thirty (30) days after the due date, the loan was reported as delinquent for June 2016. I understand that you utilize a third (3rd) party company to process bi-weekly payments on your behalf, and they were unable to update the payment amount in their systems in time for the June 2016 payment.We next processed a $70.41 payment on July 1, 2016, which was placed into an unapplied state. The funds were combined with the $1,109.71 in an unapplied state to make a $1,180.13 payment on July 28, 2016. These funds covered the payment that was due on July 1, 2016. Per our conversation, the June 2016 payment was also backdated to June 1, 2016, which is the date we received the $1,109.71. As a result of backdating that payment, the late pay reported for June 2016 was removed and there is no late fee on the account for that payment.On August 1, 2016, we processed a $1,250.55 payment to the loan. We applied $1,180.13 as the August 2016 payment. The remaining $70.42 was applied as a principal only payment. Per our conversation, we removed the $70.42 principal payment and mailed it back to you on August 12, 216. Please contact me directly if you have not received the $70.42 check.You mentioned in your complaint that you requested a review of your account, but that you received a  letter stating the request could not be honored. Per our conversation, the response was sent to you to trigger a phone call to the Bank so that we could provide you with information over the phone about requesting your June 2016 payment to be backdated. I am sorry for the distress this letter caused you. It was not our intention to cause you additional frustration. As of August 17, 2016, your mortgage loan is current and the next $1,180.13 payment is due on September 1, 2016. Please be assured that your concerns regarding our employee, Vernetta, have been forwarded to the relevant Bank personnel and management. We strive to provide courteous and prompt customer service, and I regret that was not your experience. We appreciate your feedback as it assists us in identifying problems and to continuously improve the level of service we provide to our customers. However, I cannot inform you of specific internal corrective actions that may be taken to resolve this matter. 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 PresidentPc: Revdex.comEnclosure: 2015 Escrow Analysis, 2016 analysis

Hello: We believe we have addressed the customer’s concerns in our prior responses. She has applied for three (3) mortgage loans, with the last two (2) requiring information to be removed/updated on her credit report by other vendors. Therefore, each application required a new pull of her credit. Thanks for your time, let me know if you need more information from the Bank. However, with the information provided by the customer, we stand by our previous responses.    Pat S.Customer Care Team SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOP

[redacted]    Date: October 15, 2015 Account:     [redacted] Regarding Your Checking AccountDear [redacted]: We received a copy of your 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 make every effort to ensure that check items deposited to your account get posted properly. On September 12, 2015, you deposited a check to your checking account ending in [redacted] in the ATM (Automated Teller Machine) located at 8007 Calumet Avenue. The check was in the amount of $1,237.51 made payable to [redacted] & [redacted]. Since [redacted] is not a signer on your checking account, this deposit was rejected and your checking account was debited $1,237.51 on September 14, 2015. We regret the inconvenience this may have caused you. The reason this deposit was adjusted was because one of the payees listed on the check was not listed on the account that was credited. In a case like this, when a payee wishes to deposit a check into an account in which they are not a signer, that payee must be present in the banking center with valid identification. By depositing a check into an account the payee is not on, they will have no access to the funds once deposited and we must ensure this is the true intent of the payee. According to our Rules and Regulations handbook, page ten (10), section eight (8), that you received and agreed to at account opening, we reserve the right to refuse to accept a deposit at any time. I have enclosed a copy of our Rules and Regulations handbook for your review.I regret any misinformation that you may have received regarding our procedures related to rejected ATM deposits. At one time, the checks involved with an adjusted ATM deposit may have been mailed back to the branch. However, the processing of ATM deposits has changed in recent years. Bank employees no longer manually process ATM deposits. Therefore, any negotiable items that may be rejected are mailed to the address listed on the account. I apologize if you were told otherwise. According to our records, you re-deposited the check for $1,237.51 on September 18, 2015. As a valued customer, on September 24, 2015, we reversed a total of $111.00 in overdraft fees that were charged to your account. Therefore, we are unwilling to waive any additional overdraft fees on your checking account, as you have requested. We sincerely appreciate your feedback as it assists us in delivering first class customer service which is a priority to us. We value your opinion and we hope that you will continue using Fifth Third Bank for your financial needs in the future. If I may be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, 8 a.m. to 6 p.m., ET.Sincerely,Lisa S.Office of the PresidentPc: Revdex.comEnclosure: Rules and Regulations handbook

[redacted] Date: November 3, 2016 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding...

your mortgage loan payments. We appreciate the time you have taken to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced. We strive to provide quality service to all of our customers, and I am sorry for your unsatisfactory experience during your previous attempts to resolve this matter. Please be assured we have researched this matter fully, and passed your concerns on to the relevant parties within the Bank. On December 31, 2014, you agreed to a thirty (30) year mortgage for your property located at [redacted]. Please find enclosed a copy of your Note, payment history, and initial escrow disclosure. You mentioned a concern for the escrow account established for the loan. Please note the original escrow disclosure did not include your homeowner’s insurance premium and the property taxes were estimated on the value of the land. As detailed on the initial escrow disclosure that was provided to you at your loan closing, the following payments were scheduled from the escrow account: ** September 1, 2015, [redacted] payment of $229.42 ** December 1, 2015, [redacted] payment of $187.28 On November 24, 2015, the Bank mailed your annual escrow analysis indicating an escrow shortage of $6,363.50. In error, your this statement indicated your annual [redacted] premium was due on a monthly basis. Therefore the escrow shortage amount was incorrect. You notified the Bank of your concerns regarding the escrow analysis statement. On December 18, 2015, the Bank mailed you a corrected escrow analysis statement. I have enclosed a copy of both notices for your records and convenience. The notice dated December 18, 2015, provided you with three (3) options on how to satisfy your escrow shortage. Option one (1) allowed you to spread the shortage over twelve (12) months and your monthly mortgage payment would increase to $2,144.27. Pages three and four (3-4) indicate the reason for the escrow shortage. Please note the projected amounts of tax and insurance payment of $1,050.61, compared to the actual amount of tax and insurance payments $6,173.05. Your mortgage loan payment is due the first of every month. Your mortgage loan has a fifteen (15) day grace period. Your grace period does not change your mortgage loan due date; however, the Bank will not assess a late charge to your mortgage loan provided the payment is made within the fifteen (15) day grace period. We have reviewed your calls to the customer service department regarding your August 1, 2016 payment. Our research determined the customer service representative correctly informed you that your Auto BillPayer payment could be scheduled anytime inside your grace period. Our review of your calls to the Customer Service Department did not indicate you were told your due date had been changed. We do apologize for any misunderstanding you had regarding this matter. Our review of the payment history for your mortgage loan indicated you are enrolled in the Auto BillPayer service. Auto BillPayer is authorized to make your mortgage payment from your deposit account within your fifteen (15) day grace period. If your payment is returned, the Auto BillPayer department will attempt to make your payment a second time. Auto BillPayer will not attempt a third withdrawal if your first two (2) payments are returned. On August 1, 2016, an Auto BillPayer payment was processed from your checking account ending in [redacted]. There were not insufficient funds in your account and this payment was reversed at the end of business on August 2, 2016. On August 2, 2016, you contacted the Customer Service Department and requested for this payment to be returned to your checking account. The Customer Service Representative correctly informed you that the payment had been processed, and they were unable to return your payment. However, as mentioned above, the funds were not available in your checking account and the payment was reversed. The payment was processed again on August 2, 2016; however, the payment was returned on August 3, 2016, due to insufficient funds in your checking account ending in [redacted]. Please find enclosed a copy of your checking account statement dated August 19, 2016. Please use the enclosed statement as verification of the Auto BillPayer payments and reversals. The Bank received and processed your mortgage payment on August 30, 2016. This payment satisfied your mortgage payment due on August 1, 2016. The Bank received a payment of $2,000.00 on September 30, 2016, and a $144.27 payment on October 7, 2016. The two (2) payments combined to satisfy your mortgage loan payment due September 1, 2016. This payment was received more than thirty (30) days past the due date, and was reported to the credit reporting agencies as past thirty (30) days late. Please use this letter as verification that your mortgage loan payment due October 1, 2016, has not been satisfied. In the interest of customer service, and to provide you with a more manageable mortgage payment, we have contacted the escrow department and spread your remaining escrow shortage over the next twenty-four (24) months. Please use this letter as verification that your mortgage payment beginning with your payment due November 1, 2016, will be $1,635.85. The Customer Service Department has processed two (2) late fee reversal requests on your mortgage loan. The two (2) fee waivers of $50.35 posted to your mortgage loan account on October 19, 2016, and October 21, 2016. On September 30, 2016, during your conversation with the Customer Service Department you requested to speak with our Homeowner’s Assistance Department. Please find enclosed a copy of the Homeowner’s Assistance packet mailed to you on October 3, 2016. If you have any questions regarding your loan modification options, please contact our Customer Care Specialists at ###-###-####. Our Customer Care Specialists are available Monday, 8 a.m. to 7 p.m. and Tuesday through Friday, 8 a.m. to 5 p.m., ET. 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

[redacted] 
[redacted] 
[redacted] Date: August 27, 2015 Account: [redacted] Regarding Your Established Checking Account Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com concerning your Established Checking account. I apologize if our first response did not address all of your concerns. Overdraft coverage allows a customer to access funds beyond the balance in their account for emergency cash needs and youhave the option to choose whether to continue having overdraft coverage on your account for ATM (Automated Teller Machine)transactions and one-time debit card transactions per federal regulations. Your account was originally opted in for overdraft coverage when the account was opened on October 13, 2011. As our previous response detailed, your overdraft coverage wasdiscontinued per your request on August 8, 2015. In contrast to overdraft coverage, overdraft protection automatically transfers funds from a Fifth Third Bank savings account, credit card, or equity line to cover items that overdraw your checking account. With overdraft protection, we charge a daily transfer fee rather than an overdraft fee for each posted item that overdraws your account. You accepted Overdraft Protection in March 2012 with your Relationship Savings account ending in [redacted] for purchases when your checking account had insufficient funds. Please note during the time the account was covered by overdraft protection, the debit card and ATM transactions that overdrew the account were not assessed per item overdraft fees. As our previous response detailed, your overdraft protectionwas discontinued once the savings account was closed on July 21, 2015. Overdraft notices are sent to you the following business day from the overdraft occurrence at the address on file. I am sorry for any delay you may have experienced in receiving these. However, please note you may also view your available account balance via the ATM, on the internet at 53.com, alert via text message, and by calling our automated customer service line at ###-###-####. We completed an additional review of the overdraft fees that were assessed to the account. In total, $703.00 of overdraft feeswere assessed as a result of debit card and ATM transactions from July 21, 2015, through August 6, 2015. As previously mentioned, on August 8, 2015, we reversed $150.00 of overdraft fees back into the Established Checking account. In the interest of customer service, on August 27, 2015, we reversed the remaining $553.00 of overdraft fees back into the Established Checking account. I am sorry for any frustration this matter has caused you. 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 President Pc: Revdex.com

[redacted] [redacted] [redacted] Date: March 24, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your Essential Checking...

account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. We strive to provide exceptional service, and I am sorry that was not your experience. Please be assured we researched this matter thoroughly 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. Fifth Third Bank Essential Checking accounts offer no monthly service charges for students aged sixteen (16) and above. The student discount will expire on December 31st the year the customer turns twenty-three (23). If necessary, it can be extended for one (1) year at a time upon verification of student status with a valid student ID. The student status on your Essential Checking account ending in [redacted] expired on December 31, 2016. In order to continue receiving the student fee waiver you will need to visit a Fifth Third Bank banking center to provide a valid student ID. Once you provide verification, the student status will expire again on December 31, 2017, and you will need to verify your student status again to continue receiving the student fee waiver. It was certainly not our intention to cause you any hardship. In the interest of customer service, we waived monthly service charges totaling $15.00. We are unable to waive any additional fees per our bank policy. Thank you for your patience while we conducted our research. 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, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] Date: March 31, 2016 Accounts: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning...

your escheated account. We appreciate the time you have taken to express your concerns regarding this matter. We understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience this matter might have caused you. Your feedback is important to us, so that we can better understand how we can improve our service to you. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction. A checking account is placed in a dormant status after there have been no withdrawals or deposits on the account for twelve (12) months. The posting of interest is not considered activity. On March 30, 2010, one (1) check totaling $419.50 posted to your checking account ending in [redacted], which brought your account balance to $2,580.50. After there had been no withdrawals or deposits on the account for twelve (12) months, your account was placed in a dormant status. We informed you of this account status change on your account statement that ended on March 9, 2011. Although your checking account was linked to your savings account ending in [redacted], the savings account was also placed in a dormant status and we informed you of this account status change on your account statement that ended on March 27, 2013. A savings account is placed in a dormant status after there have been no withdrawals or deposits on the account for thirty-six (36) months. On August 27, 2015, the Bank sent a letter to the address above to notify you that the unclaimed funds in your checking account may be transferred to the State of [redacted] unless you contacted the Bank no later than September 17, 2015. The Bank is not required to send such notices via certified mail. For your records, I have enclosed a copy of this letter. For your convenience, I have enclosed a copy of our Rules and Regulations that you should have received when you opened the accounts. Pages seventeen (17) and eighteen (18) detail how an account can become dormant and what fees can be assessed. I apologize if you were unaware of these policies. We regret that the Bank is unable to reclaim the funds from [redacted] on your behalf. In order to reclaim the funds, you will need to contact the State of [redacted] directly at [redacted]. You can also search the State of [redacted] website for unclaimed property at [redacted]. If I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President Pc: Revdex.com Enclosures: Rules and Regulations and Letter dated August 27, 2015

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

the information reporting on your credit report for your account. We appreciate the time you have taken to document your concerns. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to assist you. We have completed our review of the payment history being reported for your account and determined it is accurate. Specifically, no payments posted to the account for the May, June, or July payments. You brought the account current with your payment of $360.00 on July 26, 2016. The payment address you referred to within your complaint is correct and is the same one listed on the monthly account statement. If you have retained copies of the returned envelopes, we would appreciate the chance to review them further. Please forward that paperwork to the following address: Fifth Third Bank 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 You can also fax this information to my attention directly at ###-###-####. Our Collection Department begins making calls to customers when a payment is not received by the due date. They are a failsafe the 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. Several calls may be placed each day; however, a message is not left with every call. Our records indicate that our attempts to reach you at the telephone numbers on file were unsuccessful. We regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to remove prior unfavorable reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: Equifax ###-###-#### Experian ###-###-#### TransUnion ###-###-#### Innovis ###-###-#### We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this matter 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, Alison S.Office of the President Pc: Revdex.com

[redacted] Date: September 14, 2016 Accounts: [redacted] Regarding Your Fifth Third Bank Accounts Dear [redacted]: We received a copy of the rebuttal you submitted to the Revdex.com regarding your Fifth Third Bank accounts. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. However, we stand by the response conveyed to you in our previous letter dated August 5, 2016. Our position on this matter has not changed. You expressed additional concerns in your rebuttal that your overdraft protection did not work. Our records show that your savings account ending in [redacted] was set up as overdraft protection for your checking account ending in [redacted]. Both accounts were opened on August 21, 2014. However, no funds were ever deposited into your savings account, and it was closed on October 6, 2014. No other account was set up as overdraft protection for your checking account. You also expressed additional concerns that the disclosures for your Secured [redacted] ending in [redacted] were not provided to you at the time you submitted the application. Specifically, you mention disclosures regarding late payments. The disclosures enclosed with our previous response are provided to all applicants for a Secured [redacted] at the time the application is submitted. In regards to late payments, the Fifth Third Bank Card Agreement states the following: ** You acknowledge that you specifically intended to grant us the security interest in all funds in the Secured Bank Account, that this security is an express condition for your Account and the funds in your Secured Bank Account must remain on deposit during the term of this Agreement…If you do not pay your Account balance or we decide to close your Account for any reason, you authorize us to apply all of the funds in the Secured Bank Account to your outstanding Account balance. (page 2, section 3) **Your payment is due on or before the Payment Due Date shown on your Account Statement. You must pay at least the Minimum Amount Due show on your Account Statement on a monthly basis[.] (page 2, section 8) ** If we do not receive the Minimum Amount Due by the Payment Due Date, there is a late payment fee of $25.00. Any subsequent late fees will be $35.00 until you make your required Minimum Amount Due by the Payment Due Date for six consecutive Billing Cycles. (page 3, section 14) ** You agree that, subject to Applicable Law, if your Account is in default under this Agreement, you will accept calls from us at your home and your place of business regarding collection of your Account. You understand and agree that the calls to your home may be automatically dialed and a recorded message may be played. You agree such calls will not be considered “unsolicited” calls or telemarketing calls for purposes of state or federal law. (page 5, section 23) I have enclosed another copy of the Fifth Third Bank Card Agreement for your convenience. Thank you for your patience while we conducted our additional research. 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, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Fifth Third Bank Card Agreement

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.   
This bank is placing holds on funds long after they have cleared.  In this particular case, the monies were removed from the funding account the day after deposit (they were removed from the funding account on 12/4) yet were not available for access until 12/14.  This is excessive and is not a function of risk or security, it's a means for them to "hold" my cash - and unfair.
Regards,
[redacted]

[redacted]Date: March 21, 2017 Account: [redacted]Regarding Your Fifth Third Bank installment LoanDear [redacted]:We received a copy of the complaint you filed with the Revdex.com concerning your installment loan. We appreciate the time you have taken to...

document your thoughts and concerns regarding this matter,Please note your installment loan is a simple interest loan, with interest accruing daily on unpaid principal. When we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last payment. Then we apply the remaining funds to the unpaid principal balance. Your payment habits affect the amount of interest you pay over the life of the loan. If payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of your loan. Because less of your payments were applied to the principal balance, there may be a larger final payment due to additional accrued interest.We have completed our review of the payment history for your installment loan. Our review determined that the Bank has not received proof of insurance for October 11, 2016, through March 1, 2017. Therefore, the Bank force placed an insurance policy to cover the collateral. I have enclosed a copy of your Security Agreement stating you are required to provide proof of insurance during the life of your loan. Failure to provide proof of insurance will result in the Bank purchasing insurance on the collateral. The Security Agreement, section nine (9) item d, states: "Unless Borrower provides Bank with evidence of the insurance coverage required by Borrower's agreement with Bank, Bank may purchase insurance at Borrower's expense to protect Banks interests in the Collateral."On September 26, 2016, the Bank received a notice from your insurance company that your insurance policy was not active. The Bank notified you two (2) times requesting proof of insurance for this vehicle. have enclosed both letters mailed to you. Please use these notices as verification that the Bank contacted you about providing proof of insurance to avoid a force placed insurance policy. Please note the final letter dated November 22, 2016, informed you that the premium charged for the force placed insurance would be $1549.00.As mentioned above, our research confirmed a lapse of insurance on the vehicle from October 11, 2016, through March 1, 2017. The force placed insurance policy covered your vehicle from October 11, 2016, through October 11, 2017. On March 1, 2017, we received proof of insurance and payment for your insurance policy. The insurance policy was valid from March 1, 2017, through October 11, 2017. The force placed policy was cancelled and your installment loan was refunded $951.00. Please use the below breakdown as verification of your payments toward the force placed insurance policy.FORCE PLACED INSURANCE BALANCEDate Activity Amount Amount Pd. Balance12/14/2018 CPI Insurance Added $1,549.OO $1,549.001/3/2017 $154.90 $1,394.102/28/2017 $31.46 $1,362.64CP insurance 3/2/2017 Cancelled REBATE S951. OO $411.643/10/2017 $220.48 S191.16If you can provide proof of insurance for the lapse of insurance on your vehicle, October 11, 2016, through March 1, 2017, please send that documentation to my attention at the following address:Fifth Third Bank 5050 Kingsley Drive MD: 1|MOCOP Cincinnati OH 45263. Alternatively you can fax the proof of insurance directly to me at ###-###-####. Upon receipt of the requested documents, I will provide them to our Insurance Service Center and will refund your installment loan for the remainder of the force placed insurance policy.Please find enclosed a copy of a payment breakdown for your installment loan beginning with January 2016. Included in this breakdown is your payment due date (the 15" of every month), the number of days your loan was past due, assessed late fees, paid late fees and the payment date Satisfied by each payment.As of March 16, 2017, you have a past due balance of $792.07, and fees totaling $635.00. In order to bring your loan current, you would need to make a payment of $1,921.21 This payment would include your past due balance, your payment due April 14, 2017, and your fees. It should be noted, $191, 16 of this payment will be applied to satisfy your force placed insurance balance. Upon paying off the force placed insurance premium, your installment loan payment will revert to your regular payment of $339.24.We reviewed your telephone conversations on December 30, 2016, and January 3, 2017. On December 30, 2016, the agent informed you that the delinquent payment due was $1,851.10. You were informed that this amount did not include $210.00 in late fees. In addition you were informed of the lapse in insurance, and that the Bank had force placed an insurance policy on your vehicle. The agent correctly informed you that your monthly installment loan payment would increase by an estimated $155.00 a  month. In addition, the agent informed you that you would need to make a payment by December 31, 2016, and the agent held your installment loan from being charged off on December 30, 2016.On January 3, 2017, the agent noted your call from December 30, 2016, and correctly informed you that the delinquent balance not including late fees was $1,851.10.It should be noted, the Collection Department considers repossession of property when an installment loan becomes more than sixty (60) days past due. As noted on the enclosed payment breakdown, the Bank received your most recent payment of $600.00 on February 21, 2017. In error, the banking center used an incorrect processing ticket and this payment posted as a principal only payment. On March 10, 2017, we processed a request with our installment loan cashiering department to have this payment processed as a regular payment. The payment satisfied your payment due January 14, 2017.It was certainly not our intention to cause you any hardship and we appreciate your patience while We researched this matter. We value your relationship and look forward to fulfilling all of your financial needs for years to come. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,Patrick S. Office of the PresidentPC: Revdex.comEnclosure: Security AgreementProof of Insurance letters (2) Payment Breakdown

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 response by the busines states in relevant part: "the Bank did not offer a promotion for cardholders to earn 8,000 reward points for spending $500.00 on their Real Life Reward [redacted] by March 31, 2015." This statement is patently false, as I have a copy of the original promotional mail to prove otherwise (attached herein as a pdf file). Furthermore, when I contacted Fifth Third Bank via phone on or around mid-June of this year, the representative acknowledged that the bank had, indeed, offer the aforementioned promotion, and asked me to wait a couple more months at most for the reward points to be applied to my account.It is patently dishonest and outrageous for the Bank to deny having offered the above-referenced promotion. Again, I have attached herein the evidence of the Bank's promotional offer.
Regards,
[redacted]