PROCORPSA

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.   I finally got my debit card but I have decided to switch banks as a result of this. The bank never called me and their customer service needs improvement.  
Regards,
[redacted]

[redacted] Date: April 8, 2017 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your vehicle installment...

loan. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Your vehicle installment loan was paid in full and closed with a zero balance owed on June 16, 2011. On June 17, 2011, the Bank mailed the release of lien documentation to you. On April 21, 2017, you contacted the Bank to request a copy of the release of lien documentation. Per your request, a copy of the release of line documentation was mailed to you on April 24, 2017. On May 1, 2017, you contacted the Bank to request a copy of the release of lien documentation that you requested on April 21, 2017. At that time, you explained to the Fifth Third Bank employee assisting you that you did not receive the copy of the release of lien documentation that was mailed on April 24, 2017. The employee assisting you stated that the information could be faxed to you and you provided your fax number on May 2, 2017. The release of lien documentation was faxed to you on May 4, 2017, and you confirmed receipt of the information at that time. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President

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.  My agent has faced the letter along with your required information multiple times. I have called to confirm with your insurance department and each time I am told they have not received any letter. I had her fax to the number provided in the last answer. Please contact [redacted] at [redacted] ###-###-#### to clear the matter up since your insurance department refuses to help. I will consider it resolved at that point. 
Regards,
[redacted]

[redacted] Date: November 25, 2015 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com concerning your vehicle installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. According to our records, the Deferment Agreement that you accepted states that the payments due on August 9, 2015, and September 9, 2015, would not have to be made on those dates. The payments deferred on those dates would be owed at the end of the loan term. The Deferment Agreement states that next payment was due on October 9, 2015. A copy of the Deferment Agreement in enclosed for your review. Per the enclosed copy of the Bank’s Rules and Regulations, a copy of which was also provided when your account was opened, when you owe the Bank a debt on one of your accounts, the Bank has the right to transfer funds from another account you are an owner of to cover the debt owed to the Bank. Specific information about this can be found on page eleven (11) paragraph seven (7) of the enclosed copy of the Bank’s Rules and Regulations. Since we did not receive the payment that was due on October 9, 2015, we debited your checking account ending in 4979 on November 16, 2015, in the amount of $375.31, for the total amount that was due on your loan at that time. We regret any inconvenience this may have caused you. Please also be aware that on June 26, 2015, our Collections Department received a verbal Cease and Desist request from you. Per this request, the Bank was not able attempt to contact you on the telephone regarding the past due status of your loan. If you would prefer that the Bank contact you on the telephone when your loan is past due for payment, you can certainly contact our Collections Department to have the Cease and Desist status removed from your loan. To do so, please contact our Collections Department at ###-###-####, Monday through Friday, 8 a.m. to 9 p.m., ET., Saturday to Sunday, 8 a.m. to 5 p.m., ET. I also want to apologize for the level of service you received when you contacted our Collections Department regarding this matter. We strive to professional and accurate to service to all of our customers and we regret if this has not been your experience. We also regret that we were not able to take $50.00 of the payment that was debited from your checking account on November 16, 2015, and deposit it back into your checking account. Please be aware that if this could have been done, it could have resulted in the further delinquency of your loan. I also want to make sure you are aware that there is not a fee to close your checking account. While we truly value your business, you can certainly close your checking account at any time. There is not an account closure fee associated with your checking account. There is also not an account closure fee associated with your Access 360 prepaid debit card. If you wish to close your checking account or your Access 360 prepaid debit card accounts, please visit your nearest Fifth third Banking Center for assistance. As of November 23, 2015, your loan is current. Your next payment of $194.09 is due on December 9, 2015. [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, Adam P. Office of the President PC: Revdex.com Enclosures (2): Rules and Regulations; Deferment 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.  I have received a response from the bank stating that there is nothing more they can do. I'm asking that the Revdex.com take a serious look into their practices. I understand they may be operating under federal banking guidelines, but are 5/3rd practices ethical. I was charged serious number of late fees in an incredibly short period of time. Look into this carefully.  
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: November 25, 2016 Account: [redacted] Regarding Your FlexLine Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

Equity FlexLine account. We appreciate the time you have taken to express your thoughts and concerns. Thank you very much for taking the time to speak with me on November 10, 2016, regarding your concerns about the application process for your equity line of credit. Fifth Third Bank strives to provide best in class customer service while helping fulfill our customers’ financial needs. After reviewing this matter, it is clear that the level of service you received is not what we strive to achieve. On behalf of the Bank, please accept my sincerest apologies for the frustration, inconvenience, and dissatisfaction you experienced when applying for your equity loan, including the missing form needed to disburse the loan funds and the checks you received from the banking center that were unsigned. Our customers’ experience is very important to us, and we take this matter very seriously. We appreciate your feedback regarding the issues with your loan origination because it helps us to identify problems so we can work to rectify issues and improve the service we offer to our customers. In addition to this matter having been reviewed and addressed, please be assured that our senior management review complaints received by the Office of the President on a monthly basis. You requested that Early Access Advance fees totaling $30.00 be waived from your account. You will see on your account that $30.00 in previous overdraft fees were waived from the checking account on November 21, 2016. This waiver was processed to credit your account for the $30.00 in Early Access Advance fees you previously paid. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com

[redacted] Date: May 12, 2016 Account: [redacted] Regarding Your Online Bill Payment Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning the stop payment placed on your...

online bill payment. 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. On April 2, 2016, you opened the checking account ending in [redacted] with a cash deposit of $1,500.00 at the [redacted] Banking Center. On April 4, 2016, you scheduled a payment of $1,300.09 to [redacted] via 53.com. Since this was a new account, the payment to [redacted] appeared on our Fraud Department’s suspicious activity report. Our Fraud Department also determined that the online access during this transaction was routed through [redacted]. A Fraud Analyst attempted to contact you to verify the payment to [redacted] and was unsuccessful. When the analyst was unable to reach you by phone, a stop payment was placed on the payment to [redacted] and the online access for 53.com was blocked. We are very sorry if our attempts to explain the reason for our action during your conversation with our Fraud Department did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. We work diligently to prevent fraud perpetrated against the Bank and our customers. We regret any difficulties or concern that this issue may have caused you, as it was not our intention to cause any hardship. Our Fraud Department followed proper procedures and guidelines concerning your online payment to [redacted]. Therefore, we are not willing to reimburse you for the $30.00 charge assessed by [redacted] for the failed payment. We hope this correspondence will help you understand Fifth Third Bank’s position going forward. 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, Elizabeth J.Office of the President Pc: Revdex.com

[redacted] [redacted] [redacted] Date: December 9, 2015 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your...

Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns. We completed a review of the Essential Checking account ending in [redacted], as well as the overdraft fees that were assessed to the account. Our review included the following: ? On November 20, 2015, we received your initial request to close the account; however, there were outstanding charges on the account. On this same day, $82.33 was withdrawn from the account, leaving a balance of $19.50 to cover the pending debit card transaction in the same amount. ? On November 23, 2015, two (2) debit card transactions posted to the account, totaling $78.47, and leaving a negative account balance at ($58.97). The first transaction was the debit card purchase made on November 19, 2015, to National Students in the amount of $19.50. The second transaction was a debit card purchase made on November 22, 2015, to [redacted] in the amount of $58.97. Because you did not elect for overdraft coverage on the account, neither of the transactions were assessed an overdraft fee, and both transactions were paid. ? On November 24, 2015, an ACH payment to [redacted] in the amount of $9.36 posted to the account, leaving a negative account balance of ($68.33). On the next business day, November 25, 2015, a $37.00 overdraft fee was assessed to the account as a result of this transaction. ? On November 25, 2015, an ACH payment to [redacted] in the amount of $77.40 posted to the account and a direct deposit from [redacted] in the amount of $22.47 posted to the account, leaving a negative account balance of ($160.26). On the next business day, November 26, 2015, a $37.00 overdraft fee was assessed to the account as a result of the ACH transaction. Because transactions continued to occur, we were unable to close the account as you had requested. Our review of the previously detailed transactions has determined there was no error in assessing the overdraft fees to the account. Because there was no error, we are unable to accommodate your request to waive any fees. I am sorry for any frustration this may cause you. As of November 27, 2015, the negative account balance is ($197.26). Once the account is at a zero balance and without pending transactions, you may request the account closure by visiting your local banking center or by contacting our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. In addition, because you mentioned that these transactions were not authorized by you, if you would like to dispute these charges, please contact our Disputes Resolution Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com

[redacted] Date: December 18, 2017 Account: [redacted] Account: [redacted] Regarding Your Fifth Third Accounts Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com. We appreciate the time you have taken to express your concerns regarding this matter. I also appreciated the opportunity to speak with you. As we discussed, a check for $200.00 was deposited into the savings account on November 7, 2014. The funds were transferred to the checking account. The check was returned for insufficient funds on November 13, 2014, which overdrew the savings account. I have enclosed copies of your checking account statements from November and December of 2014. The checking account had a balance of $441.38 at the end of the business day on November 7, 2014. After several debit card purchases and a cash withdrawal, the ending balance on November 10, 2014, was $77.23. There were no transfers done to move funds from the checking account back to the savings account. The checking account was closed on December 2, 2014. After reviewing this additional complaint, we stand by the response conveyed to you in the previous letter sent on November 21, 2017. I have enclosed a copy of that prior correspondence for your review. If you have documentation that you believe indicates the debit bureau reporting on this account is incorrect, please forward that paperwork to the following address: Fifth Third Bank 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####, or contact me using the information below. We strive to provide professional and accurate information to our customers, and 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, Alison S. Office of the President Pc: Revdex.com Enclosure: Previous Response Letter, Statements

[redacted] Date: May 4, 2017 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your installment loan account. We appreciate the time you have taken to express your continued thoughts and concerns. On behalf of the Bank, I apologize for any difficulties or concern this situation may have caused you. However, we stand by our previous correspondence dated April 25, 2017. Our position on this matter has not changed. For your reference, I have enclosed a copy of our previous correspondence. We reviewed the recording of the phone call between [redacted] and our Collection Department. We confirmed that [redacted] provided an account number of [redacted]. The representative read the account number back to [redacted] to verify he had it correctly, and [redacted] confirmed the account number was correct. As a result, the payment was entered. However, the account number was not correct as it was missing a digit. We confirmed that no Bank error took place. The valid late payment that was reported affects all signers on the loan. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Previous Response

[redacted] [redacted] [redacted]Date: June 16, 2015 Account: [redacted]Regarding Your Fifth Third Platinum [redacted]Dear [redacted]:We received a copy of the complaint you filed with the Revdex.com regarding your credit card account. We appreciate the time you...

have taken to express your thoughts and concerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that our senior and executive management teams review customer concerns as part of our ongoing commitment to improving our customers’ satisfaction.On September 26, 2014, the Bank received and approved your application for a Fifth Third Platinum [redacted]. Upon approval of your Platinum [redacted] account, your card and credit card agreement were mailed to you. For your review and convenience, a copy of the most recent version of the credit card agreement currently in effect for your account is enclosed.Please note page two and three (2-3), item ten (10) which explains how credit card payments are processed and applied to your credit card account. Payments on your Account that exceed the Minimum Amount Due will be allocated first to the Account balance with the highest Annual Percentage Rate (APR), and then to each consecutive Account balance bearing the next highest APR, at the time payment is posted to your Account.On October 13, 2014, your first purchase posted to your credit card. On November 5, 2014, your first statement was mailed to the above address. I have enclosed the statement dated November 5, 2014, which indicated a $73.00 minimum payment was due by December 2, 2014.The Bank did not receive a payment by the December 2, 2014 due date. Therefore, on December 2, 2014, a late charge of $25.00 posted to your credit card statement.On December 5, 2014, the second statement for this credit card account was generated. I have enclosed a copy of this statement for your records. This statement indicated a minimum payment of $146.00 was due by January 2, 2015. On December 8, 2014, the Bank received and posted your statement of $154.00 to your credit card account. This payment satisfied your minimum payment due by January 2, 2015.On December 30, 2014, you contacted the Bank by phone to make a payment to your Platinum [redacted]. The agent correctly stated that your payment on December 8, 2014, had satisfied your minimum payment due by January 2, 2015. Therefore, no payment was necessary at that time. Per your request, the agent submitted a fee reversal for the $25.00 late fee assessed the previous month. The agent also transferred you to the Auto BillPayer department to accommodate your request to set up automatic payments from your checking account. However, you did not enroll in this electronic payment service.The next credit card statement was generated on January 5, 2015. This statement shows the payment made on December 8, 2015, and the late charge reversal on December 30, 2014. No other purchases were made on the card and your minimum payment of $70.00 was due on February 2, 2015. On February 3, 2015, the Bank received and posted your payment of $500.00. This payment satisfied your minimum payment due by February 2, 2015. No late charges resulted from this payment. No other purchases were made during this statement cycle. On February 5, 2015, the monthly credit card statement was generated. This statement indicated a minimum payment of $60.00 was due by March 2, 2015.The Bank did not receive a payment toward the credit card account and on March 2, 2015, a $35.00 late charge was assessed to the account. A statement was generated on March 5, 2015. Because there were no payments on the previous statement, the minimum payment due by April 2, 2015, was $120.00. Which included a past due amount of $60.00 from the previous month. The Bank did not receive a payment to your credit card account by April 2, 2015. Therefore, a late charge of $35.00 was assessed to the account. Because there were no payments received on two consecutive credit card statement cycles, the Bank revoked your ability to make transactions with this credit card account.The statement dated April 3, 2015, indicated the minimum payment due by May 2, 2015, was $181.00, of which $120.00 was the past due amount from the last two months. On April 21, 2015, you submitted a payment of $3,035.00 toward your credit card account. This payment resulted in a $35.00 balance remaining on the card. The $35.00 balance was a result of a late fee that had been assessed to the account. On June 3, 2015, this fee was reversed resulting in your credit card account being closed with a zero balance. Please use this response as verification that the $35.00 fee has been reversed.We have completed our review of the payment history reporting on your credit report for your Fifth Third Platinum [redacted]. Our review determined that the information provided to the credit reporting agencies is accurate. 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 correct prior negative reporting.If you would like to contact the credit reporting agencies directly, their contact information can be found below:• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####We strive to provide professional and accurate service to our customers, and 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., ETSincerely,[redacted]Office of the PresidentPC: Revdex.comEnclosures: Statement and Credit Card Agreement

[redacted] Date: October 31, 2016 Account: [redacted] Regarding the Overdraft Fees Assessed to Your Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

the overdraft fees that were assessed to 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. On September 30, 2016, the beginning balance in your checking account ending in [redacted] was $2,124.83. Three (3) items totaling $3,257.62 posted to your account resulting in a negative ending balance of ($1,132.79). Due to insufficient funds for two (2) of the items, two (2) overdraft fees totaling $74.00 were assessed and posted to your account the following business day. On October 3, 2016, your checking account was brought to a positive balance. I have enclosed a copy of the overdraft notice we sent to you on October 3, 2016, for your review. In your complaint, you mentioned that overdraft protection should have been set up on your checking account on January 5, 2016. During our research, we listened to the recording of your call to the Bank on that day. You called in reference to the overdraft fees that had been assessed to your account; however, at no time during the call was overdraft protection mentioned. On October 7, 2016, your savings account ending in [redacted] was linked to your checking account for overdraft protection. Please note that you will need to keep sufficient funds in your savings account to cover any possible future overdrafts on your checking account. It was certainly not our intention to cause you any hardship. Our records show that two (2) overdraft fees totaling $74.00 were waived when you contacted the Bank on January 5, 2016. We are unable to waive any additional fees on your checking account per our bank policy. However, in the interest of customer service, we waived the $25.00 overdraft fee that was assessed to your savings account ending in [redacted] on October 5, 2016. Thank you for your patience while we researched this matter for you. We truly value your business, 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 Enclosure: Overdraft Notice

[redacted] Date: April 13, 2016 Account: [redacted] Regarding Your Fifth Third Bank Real Life Rewards [redacted] Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau regarding collection calls and your Real Life Rewards [redacted]. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. It was certainly not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. If a payment does not post by the due date, it is subject to collection activity. The Bank’s guidelines for contacting customers allow for telephone calls seven (7) days a week from 8 a.m. to 9 p.m., including holidays. Several calls may be placed each day in an effort to remind customers that a payment is due and to obtain payment arrangements to prevent late fees or derogatory credit bureau reporting. On January 18, 2016, the Bank sent your credit card statement indicating a minimum payment of $35.00 due by February 15, 2016. I have enclosed a copy of this statement for your records. The Bank did not receive a payment by February 15, 2016. Therefore, on February 16, 2016, a $35.00 late charge posted to your credit card account. The next credit card statement was generated on February 18, 2016. This statement shows the late charge, and indicated a minimum payment due of $99.00 by March 15, 2016. The Bank did receive and posted a payment for $40.00 on February 19, 2016. The Bank also received and processed a $40.00 payment on March 9, 2016. Please note, the two (2) payments did not satisfy the minimum payment due of $99.00, and a $35.00 late charge posted to your credit card account on March 16, 2016. Your next statement generated on March 18, 2016. This statement shows the late charge, and indicates a minimum payment due of $84.00 by April 15, 2016. Included in this payment is a past due amount of $19.00. Please note if you do not make your minimum payment for two (2) or more consecutive billing cycles, the Bank may revoke your ability to make purchases. After receiving your letter, we confirmed that the collection department had processed a cease and desist based on your telephone request on April 8, 2016. You will no longer receive telephone calls regarding the delinquent status of your Real Life Rewards [redacted] account. Please note that this does not stop other collection activity related to delinquency, including late charges, finance charges, or reporting to the credit bureaus. For your convenience, the Bank offers Auto BillPayer. Auto BillPayer will automatically transfer your monthly payments from your checking account towards your credit card at no additional charge. Many of our customers appreciate the convenience of Auto BillPayer, which eliminates the need of telephone payments, check writing, or mailing your payments. Auto BillPayer also makes your monthly payments on time each month to prevent the added cost of late charges. Should you have any additional questions concerning Auto BillPayer, you may contact Auto BillPayer at ###-###-####, Monday through Friday, 8 a.m. to 5 p.m., ET. We have completed our review of the payment history for your credit card. Because your payments have not posted to your credit card more than thirty (30) days past due, the payment activity has not been reported to the credit reporting agencies. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### It was not our intention to cause you any frustration or an undue hardship. On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused you. If I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Credit Card Statements

We have responded to this customer twice and never received the information that was request to be sent to our fax number, which is listed on our response.  Additionally, our mailing address is listed on our response for the customer to send a copy of the information requested.   Provided the fax number in our response – but the number is ###-###-####. We also supplied her with a mailing address to send the paperwork to if she had the desire to do so.  Thank you. Elizabeth A. H.    Fifth Third BankConsumer Resolution Specialist, Office of the PresidentConsumer Contact Center5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263Phone: ###-###-####  Fax: ###-###-####  Email: [redacted]

[redacted] Date March 7, 2018 Account: [redacted] Regarding Your [redacted] Account Dear [redacted]: We received a copy of the complaint you recently filed with the Better Business...

Bureau (Revdex.com) regarding the late fee that was received on your [redacted] account. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. We have reviewed the $35.00 late payment fee that was charged to your account on January 9, 2018, and found that this fee was charged correctly. We deeply regret any misunderstanding which may have occurred, however there is not a grace period for credit card products. Although no bank error occurred, this fee was waived on your account in the interest of customer service on March 6, 2018. I have enclosed the current Fifth Third Bank Card Agreement for your records; please note that this discloses that a late fee is charged when the minimum payment is not paid by the payment due date. Also enclosed are your account statements that were sent on December 12, 2017, and January 12, 2018. The statement sent on December 12, 2017 reflects that a payment in the amount of $35.00 was due by January 9, 2018. The statement sent on January 12, 2018 reflects that the payment in the amount of $200.00 was received on January 12, 2018. Additionally, your comments expressing less than quality service you received are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. [redacted], I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S.Office of the President Pc: Revdex.com Enclosures: Fifth Third Bank Card Agreement Bankcard Monthly Statement (2)

[redacted] Date:             August 27, 2015 Account:               [redacted] Regarding Your Savings Account Dear [redacted]: We received a copy of the rebuttal complaint filed with the Revdex.com regarding the monthly service charges assessed to your savings account. We appreciate the additional time you have taken to document your concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this situation may have caused you. However, we stand by our previous response letter sent to the above address on August 17, 2015. I have enclosed a copy of our previous written response for your review. Our position on this matter has not changed. 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 directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S. Office of the PresidentPc: Revdex.com Enclosure: Previous Response

[redacted] Date: March 30, 2016 Account: [redacted] Regarding Your Mortgage Account Dear [redacted]: Thank you for contacting the Bank, regarding your Fifth Third Bank mortgage loan. We appreciate the time...

you have taken to express your concerns regarding this matter. Your comments expressing less than quality customer service are very concerning. We strive to provide accurate and professional services to our customers. Please be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received at the [redacted] Banking Center. We have conducted an investigation of your claims that you were instructed not to make your mortgage loan payments by the [redacted] Banking Center, but were not able to substantiate your claim. Should your mortgage loan become past due, your account may be subject to late charges, property inspection fees, derogatory credit bureau reporting, and attorney fees. During that time, our Collection Department will attempt to notify you via mail and telephone. Our records confirm that our Collection Department attempted to contact you several times concerning the late payment for your mortgage loan account. Past due notices and mortgage loan statements were also mailed to the address on file from December 16, 2015 through February 17, 2016. The past due notices and mortgage loan statements are enclosed for your review. On February 19, 2016, you requested a payoff quote for this mortgage loan. The payoff quote for your mortgage loan had a good through date of March 1, 2016. I have enclosed a copy of this payoff quote for you records. On February 19, 2016, a letter was also mailed to the above address indicating that you should continue to make regular payments to avoid late charges and potential negative credit bureau reporting. I have enclosed a copy of the letter titled Important Information Regarding Your Mortgage Loan Payoff Quote for your records. Until the mortgage loan payoff posted to your account on February 26, 2016, you were still contractually obligated to make the monthly mortgage loan payment as outlined in the Note. I have enclosed a copy of the Note for your records. The call on March 1, 2016, was reviewed and no error was found in the information provided to you concerning the credit reporting dispute process. The Consumer Contact Center agent informed you that she submitted a request to have the delinquencies reported to the credit bureaus reviewed. We are very sorry if our attempts to explain the credit reporting dispute process during your telephone call with our Consumer Contact Center did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. 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 correct prior negative reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J.Office of the President Enclosures: Note, Past Due Notices, Mortgage Loan Statements, Payoff Quote, and letter titled Important Information Regarding Your Mortgage Loan Payoff Quote

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

[redacted] Date: March 22, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com concerning your mortgage loan. We appreciate...

the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. During our telephone conversation on March 15, 2017, I explained that your full or total monthly mortgage loan payment of $921.94 is due on first (1st) day of each month. Your loan has a payment grace period of fifteen (15) days. Although the loan payment is considered late if it is not received by the payment due date, as long as we receive your payment within the payment grace period, a late payment fee will not be assessed. Since your loan payment is considered late if your payment is not received by the payment due date, the loan is subject to collection activity when the payment is not received by the payment due date. Our Collections Department begins making calls to customers when a payment is not received by the due date. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8 a.m. to 9 p.m., including holidays. Our Collections Department may make several calls each day in an effort to inform you of the past due payment and to make payment arrangements with you. Calls from our Collections Department are a failsafe that Fifth Third Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. They are certainly not intended to cause you any hardship or frustration. Also during our telephone conversation on March 15, 2017, I explained that you could stop calls from our Collections Department if you wish. To do so, please send a signed letter requesting a cease and desist. The letter must state that you would like Fifth Third Bank to cease and desist any further attempt to collect on your mortgage loan. You can send the letter to the following address: Fifth Third Bank Office of the President Attn: Adam P.5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati, Ohio 45263 Alternatively, you can request a cease and desist verbally by calling our Collections Department at ###-###-####, Monday through Friday, 8 a.m. to 9 p.m., ET, Saturday to Sunday, 8 a.m. to 5 p.m., ET. I also want to take this opportunity to ensure that you are aware that the Bank offers several payment options for making your mortgage loan payments. These options are outlined on your monthly mortgage loan statements. For your review and convenience, a copy of your mortgage loan statement dated March 14, 2017, is enclosed. Page two (2) of the enclosed mortgage loan statement outlines all of the payment options available. If you have any additional questions or concerns regarding your mortgage loan, please contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET. Alternatively, you may contact me directly at the telephone number provided in this letter and I will be happy to assist you. [redacted], thank you for your patience while waiting for a response. We truly value your business and we look forward to continuing our banking relationship with you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President Enclosure (1): Mortgage Loan Statement Dated March 14, 2017 2

I would like to client to handle this situation the best way possible within the correct business channels.