PROCORPSA

[redacted] *** [redacted] [redacted] *** Date: February 1, Account: [redacted] Account: [redacted] Regarding Your Debit Card Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.com concerning your debit cardWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties at the BankI 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 customer satisfactionWhen we initially spoke on the telephone regarding this matter on January 16, 2018, I explained to you that the issue you experienced was resolved on January 13, 2018, when you contacted the Bank’s Customer Service DepartmentAt that time, and per your request, your debt card ending in [redacted] was properly connected to your checking account ending in [redacted] Since you confirmed with me at that time that the issue had been resolved, I did not take any further actionsOn January 25, 2018, we received a copy of the complaint you filed with the Revdex.comAt that time, I called you regarding the issueAs we discussed during our telephone conversation on January 25, 2018, you visited our [redacted] Banking Center located at [redacted] ***, [redacted] , *** [redacted] on January 25, 2018, to deposit funds into your checking account ending in [redacted] To verify your account information, you provided the employee assisting you with you with your debit card ending in ***The employee assisting you entered your debit card number into the Bank’s account servicing systemWhen any of your account numbers are entered into our account servicing system, all of your Fifth Third accounts are displayedWithout checking to see which checking account was connected to your debit card ending in ***, the employee assisting you simply asked into which account you wanted to depositIf the employee had checked to see which checking account was connected to your debit card, they would have seen that your debit card ending in [redacted] is only connected to your checking account ending in [redacted] They also would have seen that your debit card ending in [redacted] has only been connected to your checking account ending in [redacted] since January 13, 2018, when this matter was originally resolvedWhen we spoke, I also explained that, in the future, you can certainly call me directly with any additional issues, as I am happy to assist youBefore we ended our conversation, you confirmed that this matter has been resolvedPlease also accept my sincere apologies for the level of service you received when you previously contacted the Bank regarding this matterWe strive to provide professional and accurate service to our customer and we regret if this has not been your experienceIf I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Adam P.Office of the President

[redacted] *** [redacted] ** [redacted] *** Date: June 24, Account: [redacted] Regarding Your Installment Loan Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.com, regarding a payment for your installment loan accountWe appreciate the l time you have taken to document your thoughts and concerns regarding this matterYour comments expressing less than quality service are very concerningOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youPlease be assured the Bank takes this issue very seriously and expects that each customer will be treated in a respectful manner when they contact the BankWe strive to provide professional and accurate service to our customers, and we regret if that has not been your experienceOn June 4, 2010, your installment loan was opened with the BankThe loan term for your account was seventy-two (72) monthsThe first payment of $was due on July 19, As a result, the maturity date for your installment loan was June 19, Your installment loan is considered past due for payment if we do not receive your total monthly payment by the due date indicated on your contractThe final calendar day of your grace period for the loan is not considered the due date for your payment obligationsThe grace period indicates when a late charge will actually be assessed to your account for a past due paymentThere is a ten (10) day grace period on the account, with a late charge assessed if the payment is not received prior to the end of the grace periodYour payment habits affect the amount of interest and late fees paid over the life of your installment loanIf payments are posted late during the seventy-two (72) month term of your account, then late fees are assessed to the account and you may pay more in interest over the life of the loanSince a smaller amount of your payments were applied to the principal balance, there may be a larger final payment due to late fees paid and additional interest chargedOn May 19, 2016, a payment in the amount of $was due for your installment loanThe final payment notice dated May 25, 2016, indicated that $was due by June 19, This amount included previously assessed but unpaid late fees of $and your payment for May since it had not been received as of the final notice dateOn May 26, 2016, a payment in the amount of $was posted to your installment loanThis amount satisfied the payment due for May It should be noted that a late fee was not assessed for this payment since it was received within your grace periodAs of June 22, 2016, the payoff amount due for your installment loan is $A breakdown for this amount is as follows: [redacted] $Principal balance [redacted] $Accrued interest [redacted] $Unpaid late fees The daily interest charge for your installment loan is $In order to obtain an updated payoff amount, you may contact our Customer Service Department at ###-###-#### and use the Integrated Voice Response (IVR) automated systemCopies of your payment history, security agreement, final payment notice and written payoff quote are enclosed for your reviewMr***, please be assured that it was not our intention to cause you any hardship or frustrationYou are a valued customer and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at (###) ###-#### Monday through Friday, a.mto p.m., ETSincerely, Danielle S.Office of the President Enclosure(s): Payment history, Security agreement, Final notice, Payoff quote Pc: Revdex.com

[redacted] ***Date: November 6, 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 CardWe 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 youHowever, we stand by the response conveyed to you in our previous letter sent to the above address on October 28, Our position on this matter has not changedAs 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 undeliverableIf you wish to update the mailing address listed above, please contact our Customer Service Department at ###-###-####, Monday through Friday, a.mto p.m., and Saturday 8:a.mto 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 responseIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely, April Q.Office of the PresidentPc: Revdex.com

[redacted] [redacted] *** [redacted] *** Date: August 30, Account: [redacted] Regarding Your Platinum [redacted] Account Dear [redacted] : We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your [redacted] accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matterOn June 3, 2017, the Bank placed a temporary hold on your credit card ending in [redacted] due to suspicious account activityWhen you spoke to our Fraud Department in June 2017, you were asked to verify the three (3) digit security code on the back of the card to release the holdHowever, the call disconnected and the information was not verifiedWhen you called and spoke to our Fraud Department on August 15, 2017, and requested to close the account, the representative advised you would need to provide to forms of identification in order to process the closure request due to activity on the account profileHowever, this information was provided to you in errorThe Fraud Department representative should have transferred you to the Customer Service Department regarding the account closure requestI am sorry for any inconvenience and difficulties this caused youPlease be assured that the relevant personnel have been notified of this matterI closed the credit card account on August 29, Even though the account is now closed, the balance will continue to accrue interest and you must still pay at least the minimum payment due by the due date each monthWe appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Shawna H.Office of the President Pc: Revdex.com

[redacted] [redacted] ** [redacted] *** Date: February 13, Account: [redacted] Regarding Your Essential Checking Account Dear [redacted] : We received a copy of the complaint you submitted to the Revdex.com regarding your Fifth Third Bank Essential Checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPer your request, we closed your Essential Checking account ending in [redacted] with a zero ($0.00) balance on February 7, I am sorry that it was not closed upon your initial requestI hope this letter meets your satisfaction and resolves your needsThank you for your patience while waiting for a responseIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Elizabeth D.Office of the President Pc: Revdex.com

I took the documents ach stop payment documents from the companies that were drafting my account to the [redacted] branchThe branch or "Heather" refused to take the documents This was before I had to close my account Once I got someone on the phone who said it was a simple fix to just change the account number, that's when I closed the account Her name was Michele She said everything would stay the same, just different account No one told me before I closed this account that I could not have my account status as before free E Access I have the stop draft documents but I do not know how to upload to the computer and , this say's I have only thirty minutes to send or I could find a way This Heather and the gentleman at the branch were very rude to me when I tried to give them these documents Of course the bank is going to back their employee's that's what they do I used to work for ##### #####, so I know I tell you what I will doI'll just put this out on Social Media like everybody else does and see what the public thinks I'll use names too

[redacted] [redacted] ** [redacted] *** Date: February 15, Account: [redacted] Regarding Your Transaction Dispute Dear [redacted] : We received copies of the complaints you submitted to the [redacted] [redacted] [redacted] and Revdex.com regarding your transaction disputeWe also received the letter you sent to Chad B., Executive Vice PresidentYour feedback is very important to us as it allows us to better understand how we can improve our service to youOn behalf of the Bank, please accept my sincere apologies the difficulties you have experienced as a result of the fraudulent transactions on your checking account ending in ***Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties in the BankI 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’ satisfactionWhen you filed the transaction dispute on January 26, 2017, the items in dispute were still pending and had not yet posted to your accountUnfortunately, since the merchants authorized the transactions we are unable to stop the items from posting to your accountSometimes, however, the item will not post if a merchant knows the transaction to be fraudulentSince we are unable to determine whether a transaction will actually post to your account, we are unable to post any provisional credits until the disputed items until the items posted to your accountOnce the items post to your account, we will post provisional credits for the disputed itemsThis procedure was not intended to cause you any hardship, and I am sorry for any distress this causedOn January 31, 2017, we posted five (5) provisional credits totaling $3,to your accountThese funds are available to you while we conduct our investigationWe strive to resolve all investigations as quickly as possiblePlease allow up to forty-five (45) days for the investigation to be completedYou will receive final written documentation upon completion of our researchIf would like to follow up with our Disputes Resolution Department directly, you can reach them at ###-###-####, Monday through Friday, a.mto p.m., and Saturday, 8:a.mto p.m., ETPlease be sure to reference case number [redacted] when speaking with an agentThank you for your patience while waiting for a responseIt is a well-known fact that no business can survive without its customers, and I want to assure you that we truly value your banking relationship with usIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Elizabeth D.Office of the President Pc: [redacted] Revdex.com Chad B., Executive Vice President

[redacted] [redacted] *** [redacted] *** Date: October 31, 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 accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfactionOn October 20, 2017, the beginning balance in your checking account was $On that day, three (3) electronic Automated Clearing House (ACH) payment items posted to your account totaling $Because there were insufficient funds in the account to pay two (2) of the items, the account was assessed two (2) overdraft fees totaling $74.00, that posted to the account the following day business day, October 23, The ending day balance in your checking account on October 20, 2017, was negative ($54.87)A copy of the Overdraft Notice we sent on October 23, 2017, is enclosedOn October 23, 2017, three (3) electronic deposits posted to your account totaling $Three card transactions totaling $97.56, plus the $in overdraft fees from the prior business day, posted to your account, resulting in an ending day positive balance of $In my previous response to you dated July 27, 2017, I explained that, since you made several attempts on our website to cancel your scheduled online bill payment of $45.00, which posted to your account on July 14, 2017, we decided to refund the $overdraft fee that posted to the account on July 18, On July 23, 2017, you attempted to make an Automated Teller Machine (ATM) deposit into your account to prevent the account from becoming further overdrawnSince there was an issue with the ATM that you used, which prevented you from being able to deposit into your account, we decided to refund the $overdraft fee that posted to your account on July 25, Thank you for taking the time to speak with me on October 24, At that time, you stated that the $electronic deposit that posted to your account on October 23, 2017, was a payment from your employer that you requested on October 21, Since October 21, 2017, was not a business day, the deposit could not be posted to your account until the following business day, which is why the deposit did not post to your account until October 23, During our telephone conversation, I explained that, since you made a good faith effort to deposit into your account when you discovered that the account was overdrawn, I would reverse the overdraft fees totaling $that posted to your account on October 23, The overdraft fees were reversed and credited to your account on October 24, Please note that it is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank errorHowever, in the interest of customer service, and for the reasons provided in this letter, we have reversed $in overdraft fees over the past twelve (12) months, as a courtesy to youExcept in the case of a Bank error, any additional overdraft fee reversal requests over the next twelve (12) months will be declinedI also want to be sure that you are aware that Fifth Third offers alert services that provide you with information about your Fifth Third Bank Accounts, which can assist you with preventing future overdraft occurrencesYou may sign up for a variety of alerts, including a text or email alert to notify you when your balance falls below a threshold that is comfortable for youThis real-time alert will notify you any time your debit card and Automated Teller Machine (ATM) transactions result in a balance lower than your designated alert thresholdBecause checks and electronic payments are processed overnight, we cannot currently offer a real-time alert when your account becomes overdrawnHowever, you can set up alerts to let you know when the balance reaches a specific amount you determine to allow you time to deposit additional funds before the account becomes overdrawnFor example, you could set up an alert to notify you when the balance reaches $You could then review the account activity to determine if all of your authorized transactions have posted, and if not, determine how much additional funds you will need to deposit to cover any outstanding itemsYou can also schedule an alert that notifies you when an overdraft notice is available to be viewed on our websiteWhile this alert will not prevent an overdraft, it will allow you to correct the negative balance sooner, which can help prevent any additional overdraft charges from being assessedFor a list of the account alerts offered by the Bank, please visit the alerts section within online banking or our mobile appIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Adam P.Office of the President PC: Revdex.com Enclosure: Overdraft Notice

Hi ***: Unfortunately, the Bank has exhausted our research efforts on this matter and I have informed the customer of the sameWhile we have not satisfied the customer, the matter is considered closedLet me know if you need anything further.Thank you,Alison S.Customer Care Team SpecialistFifth Third Bank | Office of the PresidentPhone: ###-###-####

[redacted] [redacted] *** [redacted] *** Date: September 21, Account: [redacted] Regarding Your Debit Card Dear [redacted] : Thank you for your follcorrespondence to the Revdex.com concerning your Debit CardWe appreciate the time you have taken to express your concerns regarding your cardOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI 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’ satisfactionAs mentioned within our prior letter to you, if you are able to supply us with a copy of the bill in question, we will work with you to find a suitable resolution to the disconnect fee that you receivedAs of September 17, 2015, we have not received a copy of your billPlease mail it to the address belowFifth Third Bank Office of the President Attn: Beth HKingsley Drive Mail Drop: 1MOCOP Cincinnati OH Alternatively, the documentation can be faxed to my attention at: ###-###-####Again, I apologize that you were unable to have access to your funds during the time period that your debit card was blocked and when you received a new cardIf the issue arises in the future, most utility companies are able to process debits on checking accountsCustomers would need to supply the company with their checking account number and routing number for the payment to be made on their utility bill to avoid any disconnection of servicesWe strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Beth HOffice of the President

[redacted] *** Date: June 6, Account: [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted] : We received copies of the complaint you filed with the Revdex.com and the [redacted] regarding the joint checking account with your daughter ending in ***On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured that Fifth Third Bank takes your feedback seriously and I appreciate this opportunity to respond to your concerns We are continually working to ensure the funds from your deposits are available in a timely mannerWhen you agreed to the Bank’s Digital Services User Agreement, which includes the terms and conditions for Mobile Deposit, you received information that explains cut-off times and the availability of funds deposited into your accountThis document is also available on 53.comI have enclosed a copy for your convenienceOn pages six (6) and seven (7), it provides the following information regarding Mobile Deposits made using the “Immediate Funds” service: The cutoff time for Mobile Deposits is 8:p.mEastern Time (ET) Mobile Deposits made using the “Immediate Funds” service before 8:p.mET are immediately available to make purchases, withdrawals, and cover any pending items that may post to your account that evening, such as utility or other electronic payments Mobile Deposits made using the “Immediate Funds” service between 8:p.mand 9:p.mET are immediately available to make purchases, withdrawals, and cover any items that may post to your account that business day, such as utility or other electronic paymentsThe deposit transaction will reflect on your account statement as occurring on the following business day Mobile Deposits made using the “Immediate Funds” service after 9:p.mET, funds are immediately available to make purchases and withdrawals; however, the funds deposited will not be available to cover any items that may post to your account that business day, such as utility or other electronic paymentsThe deposit transaction will reflect on your account statement as occurring on the following business dayCustomers may also refer to the cutoff times and funds availability details located within the deposit section of the mobile appOverdraft fees post to your account the day after the account activity that caused themYour mobile deposit of $was made on December 6, 2016, at 12:a.mand posted that dayThe mobile deposit needed to have been made by 9:p.mon December 5, 2016, to avoid the two (2) overdraft fees caused by the debit card activity that posted that day A debit card dispute was filed for three (3) transactions totaling $on January 18, 2017, and the case number [redacted] was opened by the Disputes Resolution DepartmentA credit was issued to the checking account for the disputed items on January 23, The credit of $was considered finalIn addition, the account was credited for three (3) $overdraft fees related to the disputed debit card activityAfter these credits, the account balance was negative ($131.56) If an account remains negative for fifty-five (55) days, we will close it, report it to ChexSystems (a consumer reporting agency) and send it to a third (3rd) party collection agencyThe checking account ending in [redacted] became overdrawn December 5, It was charged off on January 31, 2017, with a negative balance of ($161.56) In order to see what the running account balance would have been without the three (3) disputed debit card transactions, I made the enclosed spreadsheetEven if the three (3) debit card purchases totaling $never posted to the account, it would have still become negative on December 12, As there was no further activity in the account, it still would have been charged off for ($124.56) As a result of this review, we are unwilling to remove the charge off balance or to remove the account ending in [redacted] from ChexSystems reportingYou will need to contact [redacted] to make a payment arrangementThey can be reached toll-free at ###-###-####, Monday and Thursday, a.mto p.m., ET, and Tuesday, Wednesday, and Friday from a.mto p.mI hope that this information helps to reassure you that the Bank has properly serviced your accountsYou are a valued customer and we look forward to continuing our relationship with youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Alison S.Office of the President Pc: Revdex.com; [redacted] Enclosures

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint Regards, [redacted] *** I was told I would get $period, The evidence they provided does not make senseI spent a lot of money so I received points for those purchasesMy statement says I redeemed points on August 25th but I DID NOT reach the 6-week period of receiving a cashback bonus until AUGUST 30THAnother rep told me I didnt reach the goal until AUGUST 18TH.EVEN if that were true, which its NOT, how could I redeem points on AUGUST 25TH if it hasn't EVEN BEEN 6-WEEKSI hit the mark on JULY 19th, 6-weeks from that day falls on AUGUST 30TH-SEPTEMBER 13THDONT try to play me like I am not a very smart individual who has proof im receiving a cash back bonus of $

[redacted] *** [redacted] *** [redacted] *** Date: January 20, Account: [redacted] Regarding Your Installment Loan Account Dear [redacted] ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your installment loan accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matterThank you for taking the time to speak with me on January 18, 2017, regarding your requestYou stated that you did not want the Bank to call you anymorePlease be assured that as we discussed, we processed a cease and desist on your account so that you will no longer receive phone calls from any area of the BankWe have removed your telephone numbers from our systemsI noticed that your installment loan is past due for the January 13, 2017, paymentPlease note that the cease and desist will not stop collection activity on the accountHowever, we will not call you about itCollection activity might include late charges, reports to the credit bureaus should the account become greater than thirty (30) days delinquent, and/or repossessionWe appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Shawna H.Office of the President Pc: Revdex.com

[redacted] *** [redacted] *** [redacted] *** Date: August 16, Account: [redacted] Regarding Your Fifth Third Bank Accounts Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.com (Revdex.com) regarding your debit cardWe appreciate the time you have taken to document your thoughts and concerns regarding this matterYour comments expressing less than quality service are very concerningWe strive to provide accurate and professional service to our customers and I regret if this is not the level of service you receivedOn behalf of the Bank, please accept my sincere apology for any inconvenience or frustration this matter has caused youPlease be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received and passed along your concernsUpon receiving your complaint, we researched the debit cards ordered for [redacted] connected to your joint checking account ending in ***Please use the below chart as verification of the debit cards owned by [redacted] ***Open Card Number Date Reason Card was opened Closed Date Reason Card was Closed ***xxxxxxxx [redacted] 9/30/Checking Account Opened 8/19/[redacted] Merchant Compromised ***xxxxxxxx [redacted] 7/18/[redacted] Replace card [redacted] 5/26/Fraud ***xxxxxxxx [redacted] 5/15/Replace card [redacted] 2/2/Banking Center Closed ***xxxxxxxx [redacted] 5/19/Card request by customer 7/27/Reported Lost ***xxxxxxxx [redacted] 2/*/Replace card [redacted] 6/27/Blocked/ Dispute filed ***xxxxxxxx [redacted] 6/28/Replaces card *** ***xxxxxxxx [redacted] 7/27/Replaces card [redacted] 7/28/Customer Request On June 27, 2016, our Dispute Resolution Department opened a case on [redacted] debit card ending in ***As part of the fraud investigation, the Dispute Resolution Department closed the debit card ending in [redacted] and issued a new debit card ending in ***The disputed transaction was a $purchase at [redacted] Because this dispute was a fraudulent transaction not authorized by [redacted] ***, the Dispute Resolution Department provided provisional credit to your joint checking account ending in *** on June 28, I have enclosed a copy of the letter mailed to you from the Dispute Resolution Department, advising that the dispute was approved and the credit was issued to your accountOn July 7, 2016, you contacted the customer service department and closed your debit card ending in ***.The card was blocked and a new card ending in [redacted] was issuedOn July 27, 2016, you and [redacted] made several calls to the customer service department and the Dispute Resolution DepartmentYou both were concerned with a pending transaction on your checking account from [redacted] in the amount of $Our research confirmed the debit card transaction from [redacted] was on [redacted] ***’s debit card ending in ***As noted above, this debit card was issued to [redacted] on May 19, [redacted] last used the card in January 2016; however, the card was never reported lost or stolenDuring your conversations with our customer service department, you both showed concern that more than one (1) debit card could have been owned by [redacted] ***On August 2, 2016, the Dispute Resolution Department opened a case for the [redacted] purchaseBecause this dispute is a non-fraud claim, the Dispute Resolution Department did not provide provisional credit to your checking accountAs part of the dispute process, a block was placed on the debit card ending in ***, and a new debit card was issued ending in ***Case number [redacted] is an ongoing investigationWhile we try to resolve all investigations as quickly as possible, it can take up to one hundred and twenty (120) days to finalize your claimIf you have questions regarding the investigation, please contact the Dispute Resolution Department at ###-###-####, Monday through Friday, a.mto p.m.; Saturday, 8:a.mto p.m., ETPlease reference your case number when talking to the Dispute Resolution Department [redacted] offers a service called Automatic Billing Updater (ABU) to their customersABU is a service for Fifth Third cardholders that have setup recurring payments against their cardABU ensures uninterrupted payments by updating card account number information to the participating merchant when changes occur for example, when a card is closed due to fraudPlease note, ABU is a service provided to our customers, but not all merchants utilize the serviceFifth Third Bank is not able to determine if any or all of your recurring payment merchants will be provided the new card updatesWe recommend contacting any merchant with whom you have a scheduled recurring payment to either ensure they have your updated card number or to cancel the recurring paymentThank you for your patience while we researched this matter for youWe regret that you felt the need to close your accounts, and we certainly hope you will reconsider using Fifth Third Bank for your financial needs in the futureIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Dispute Decision Letter

[redacted] [redacted] [redacted] *** Date: January 13, Account: [redacted] Regarding Your Platinum [redacted] Account Dear [redacted] : We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your Platinum [redacted] accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matterEnclosed for your reference is a copy of the terms and conditions applicable to your credit card accountPage one (1) section one (1), and page four (4) section twenty-one (21), advise that the Bank may close the account at any time without prior noticeYour credit card was issued in November and you have not utilized the card for any transactionsBecause the card the card was not used for the three (3) years leading up to its expiration date, the Bank did not reissue a new card to youI am very sorry for the distress that this situation has caused, and I certainly understand your frustration with the account not being reissuedPlease note that we may still be able to reissue a replacement card to you within twelve (12) months of the card’s expirationI also apologize that the account is not reflecting as closed on your credit reportI confirmed there is a known issue at the Bank that credit cards we do not reissue due to inactivity are not updating as closed on customers’ credit reportsThe Bank is currently working on a way to fix this issue so the card will automatically update as closed in this situationI can process the closure and the account will then update to the credit reporting agencies as closedWithout your confirmation, I did not close the credit card in the event that you would prefer I request to keep the card open and have it reissuedI attempted to contact you on January 10, 2017, and on January 13, I am sorry that I was unable to reach youPlease contact me by February 1, 2017, to advise if you would us to reissue a replacement credit card for your account and keep it open, or if you would like me to move forward with the closure requestIf I do not hear from you by February 1, 2017, I will close the account the following business day on February 2, Once closed, the account will update as closed on your credit reportWe appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Fifth Third Bank Card Agreement

[redacted] *** [redacted] *** [redacted] *** Date: July 25, Account: [redacted] Regarding Your Installment Loan Account Dear [redacted] ***: We received a copy of your follcomplaint filed with the Revdex.com (Revdex.com) regarding your installment accountWe appreciate the time you have taken to express your additional thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matterI completed additional research regarding the $payment dated June 5, The payment was unable to process due to an incorrect account numberI confirmed that you spoke to our Collection Department on June 5, 2017, and scheduled four (4) total payments over the phoneA list of the payment scheduled is provided below: [redacted] $on June 5, [redacted] $on July 3, [redacted] $on August 4, [redacted] $on September 5, We reviewed your phone call with the Collection Department that day and confirmed that the account number you provided for the payments was [redacted] However, the account number provided was incorrectWe submitted the payment information to [redacted] Credit Union, that day for the June 5, payment, and listed the payment on your loan history*** [redacted] could not locate the account so the payment was rejectedAs a result, we removed the payment from your loan on June 6, Because [redacted] *** could not locate the account in question, the $payment from June 5, 2017, never actually processed out of your checking accountBecause the account number was invalid, we cancelled the three (3) other phone payments that were scheduledWe appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Previous Correspondence

[redacted] [redacted] * [redacted] *** Date: October 28, Account: [redacted] Regarding Your Installment Loan Dear [redacted] : We received a copy of the rebuttal filed with the Revdex.com concerning your installment loanWe appreciate the additional time you have taken to document your thoughts and concerns regarding this matterOn September 4, 2015, we received a payment in the amount of $12,that served as the full payoff of your installment loanWe have confirmed that your installment loan was paid off and closed on September 8, You should have received our notification letter confirming that your loan has been paid off and closed with a zero balance owedOn September 22, 2015, a check in the amount of $was mailed to you for the balance that remained after your installment loan was paid off due to an overpaymentOur records indicate that you cashed this check on September 29, According to your complaint, a second payment of $was made to your installment loan after the loan was paid offOur Installment Loan Department reviewed your loan and could only locate the payment of $that posted to your loan on September 2, If a payment is received after a loan has been closed, the payment will be rejected and sent back to the issuing bankWe regret any frustration this may have caused you, but we will be unwilling to credit you for the additional $that you have requestedWe appreciate the opportunity to further research this matterWe truly valued your business, and we hope you will allow Fifth Third Bank to service your financial needs in the futureIf I may be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Lisa SOffice 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 I have spoken to my [redacted] company ***They received two checks from 5/for my home [redacted] payment in the month of July One on July 15, and one on July 21, This time frame was before the refinance on my house became final [redacted] refunded one of them in August and 5/has shown me that they received that refund.The paperwork that 5/sent me in response to this complaint and on my telephone 5/app, shows that they paid my home owners [redacted] again on October 7th of 2015.Please look at my old mortgage account and the new one I believe you will see that the [redacted] for 2015/was paid twice.It's a shame that I have to do all the detective work to find my answer Regards, [redacted] ***

[redacted] [redacted] [redacted] *** Date: June 20, Account: [redacted] Regarding Your Real Life Rewards [redacted] Dear [redacted] : We received a copy of your rebuttal recently filed with the Revdex.comWe appreciate the time you have taken to document your thoughts and concerns regarding this matterYour feedback is important so that we can better understand how to improve our service to youWe 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 [redacted] , as I stated in our previous conversation, the Bank made an exception with your disputes case ( [redacted] ) and allowed the documentation you faxed to the Bank on September 30, 2015, to be reexaminedHowever, your disputes case remained closed during that processThe merchant involved in your dispute provided the Bank with a copy of the transaction receipt, Attorney agreement for representation, notice of appearance, court order, order on motion to withdrawal as counsel of defendant and detailed letter as proof of the validity of the chargeAccording to [redacted] regulations, if you would like to pursue this further, you will need to send our Disputes department an updated letter addressing the merchants’ rebuttal, including any documents you may have to support your caseUnfortunately, with the information provided to date, your dispute case will remain deniedIf you would like to contact the disputes department directly, you can call them at ###-###-####, Monday through Friday, a.mto p.m., Saturday, 8:a.mto p.m., ETOn March 30, 2016, I stated in a letter to you that the Disputes Department would send you notification of their final decision once the process was completeHowever, I recently discovered that final notification does not get mailed in this type of situationOn behalf of the Bank, please accept my sincere apologies that I provided you with inaccurate informationAs I stated in my previous response, in the interest of customer service, we extended the promotional rate of 0.00% for purchases and balance transfers on your Real Life Rewards [redacted] ending in ***We extended the expiration date to September 29, 2016, to provide you with extra time at the promotional rate if we were unable to approve your disputes case per [redacted] regulationsOn behalf of the Bank, please accept my sincere apologies for the length of time it took to resolve your disputeIt was truly not our intention to cause you and hardship or inconvenience [redacted] , I understand your frustration with the situation and we appreciate your patience while we researched this matter for youYour feedback helps us to identify problems and to improve the level of service we provide to our customersIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Jennifer COffice of the President Enclosure (1): Previous Response

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 -They are not accepting the payment I provided over the phone providing them my bank routing number as well as my account numberThey say funds are insufficientHowever, I transferred money into my account and know the amount was sitting there for them to withdraw the amount They said they would try again, but the money is still sitting in my account-I am looking for a home and this is damaging my credit and is very concerning to me that they keep making my account defaulted with no invoice being mailed or emailedHow is a business that large allowed to not communicate with clients when that is their major source of income? They will not allow me to sign up for auto draft without being on hold for minutesThey do not even e-mall or allow online paymentsThey are intentionally preventing clients from paying so they can assess additional fees and ruin credits-After providing them my phone number 240-5810-and my bank account information, they come back and say the phone number is not working as well as my payments come back insufficientHow can all these things go wrong when I am willing to resolve the issue? Their statement about if they cannot reach me, they will look into their system to see who is related to me or associated with me cannot be legalI do not want them to contact anyone they believe or assume is related to meThe folks getting the calls are not happy about it and never signed up to be contacted The proper resolution for me is to remove all the late payment reports removed from my credit and for Fifth Third bank to begin mailing monthly invoice statements Regards, [redacted]