PROCORPSA

[redacted] *** [redacted] [redacted] *** Date: March 29, Account: [redacted] Regarding Your Recent Experience Dear [redacted] ***: We received a copy of the additional complaint you filed with the Revdex.com (Revdex.com) regarding your recent deposit to your Essential Checking account ending in ***Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the continued time you have taken to communicate your thoughts and concernsWe initially received a copy of this complaint on March 5, via the Revdex.comWe received a duplicate complaint from you on March 22, Although we regret your continued frustration with this matter, we stand by the response conveyed to you in the previous letter sent on March 14, I have enclosed a copy of that prior correspondence for your reviewAs stated in the voicemails I have left you on March 7, 2018, and March 26, 2018, as well as in the enclosed previous response, I would be happy to review the matter further with a receipt for the transaction in question reflecting this amountTo have this additional research completed, please mail the receipt to me directly at: Fifth Third Bank Office of the President Attn: Sarah SKingsley Drive Mail Drop: 1MOCOP Cincinnati, OH Alternatively, you may fax a copy of this to ###-###-#### [redacted] ***, Fifth Third Bank strives 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, Sarah S.Office of the President Enclosure (1): Previous Response Letter

[redacted] *** [redacted] *** [redacted] *** Date: November 15, 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 27, 2017, the beginning balance in your checking account was $On October 27, 2017, we received your mobile check deposit of $Per the Bank’s Funds Availability policy, $of your total check deposits made in any manner, including Mobile Deposit using standard availability service, will be made immediately available on the day the deposit is receivedTherefore, $from your $mobile check deposit was made available on October 27, 2017, with the remaining $made available on the following business day, which was October 30, For more information regarding the Bank’s Funds Availability policy, a copy of our current Deposit Account Rules and Regulations is enclosedPlease refer specifically to pages nine (9) to twelve (12) for more information regarding the Bank’s Funds Availability policyAlso on October 27, 2017, four (4) debit items posted to your account totaling $Due to insufficient funds in your checking account to pay all of the debit items that posted to the account, one (1) overdraft fee of $was assessed and posted to the account the following business dayA copy of the overdraft notice dated October 30, 2017, is enclosed for your review and convenienceAlthough it is the Bank’s policy not to reverse any overdraft fees except in the case of a bank error, in the interest of customer service, the $overdraft fee that was assessed on October 30, 2017, was reversed and credited back to your account on November 13, I want to take this opportunity to ensure that you are aware that the Bank offers alert services that provide you with information about your Fifth Third Bank Accounts, which can assist you with preventing 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 thresholdSince this alert notifies you when the balance reaches a specific amount you determine, this will 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 itemsFor a list of the account alerts offered by the Bank, please visit the alerts section within online banking or our mobile appYou can also learn more about account alerts offered by the Bank by visiting a Fifth Third Banking Center or by contacting our Customer Service Department at ###-###-####, Monday through Friday, a.mto p.m., ET, Saturday, 8:30a.m, to p.m., ETPer the Bank’s Deposit Account Rules and Regulations, there is a $fee assessed for a copy of an account statementPlease refer specifically to pages twenty five (25) and twenty six (26) of the enclosed copy of our current Deposit Account Rules and Regulations for more information regarding the pricing and services applicable to the Bank’s consumer deposit accountsOn October 25, 2017, you contacted the Bank’s Customer Service Department to request copies of your account statements from July to October Your request was processed at that timeOn October 26, 2017, the relevant $photocopy research fee posted to your accountSince the employee assisting you at that time stated that there would not be a fee for the statements you requested, on November 13, 2017, I reversed the $photocopy research fee [redacted] ***, you are a valued customer of the Bank and I appreciate this opportunity to respond to your concernsIf 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 .Office of the President PC: Revdex.com Enclosures (2): Deposit Account Rules and Regulations Overdraft Notice Dated October 30,

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] Thank you for helping I received a letter from Fifth Third bank with an enclosure of there disclosure and there policy and late fee's proceduresThey arw standing by there work Towards me saying that will not change there actions regarding me being unable to open another bank account anywhere which is very unfair Not allowing me to pursue my rights they were wrong by not disclosing and now I'm paying really don't know what else to do at this pointI was treated unfairly

Hello: After receiving the latest rebuttal, we contacted the banking center manager that met with [redacted] The customer did not provide any new informationThe banker has discussed the mortgage loan process with the Mortgage Loan OriginatorThe Mortgage Originator provided the same explanation to our office and the banker The customer had derogatory marks on her credit report, that required her attentionIn order for the Bank to properly research the corrections a new credit reportWe believe we have properly addressed all the customer concernsWe have nothing further to add to our responseI’ve attached our two prior responses for your reviewThank youPat S.Customer Care Team SpecialistFifth Third Bank | Office of the PresidentKingsley DriveMD 1MOCOPCincinnati, OH

[redacted] [redacted] ** [redacted] *** Date: November 9, Account: [redacted] Regarding the Overdraft Fees Assessed to Your Checking Account Dear [redacted] : We received a copy of the rebuttal you submitted to the Revdex.com regarding the overdraft fees that were assessed to your checking accountWe appreciate the time you have taken to document your additional thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youHowever, we stand by the response conveyed in our previous letter dated October 20, Our position on this matter has not changedAs we previously explained, if a payment to a merchant or creditor is returned unpaid due to insufficient funds, the merchant or creditor may re-present the payment one (1) or more times in an effort to collect the fundsIt is not the decision of the Bank to re-present an item paid to a third (3rd) partyIt is also important to note that the Bank is authorized to honor any items bearing a customer’s account number if the customer has disclosed that account number to the payeeThe customer is subsequently responsible for all properly payable itemsThis includes the items you authorized with the payees that were re-presented for paymentI have enclosed a copy of our current Rules and Regulations for your reviewPlease refer to page 15, section 27, for more informationThank you for your patience while waiting for a responseYou are a valued customer, and we look forward to continuing our banking relationship with youIf 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 DOffice of the President Pc: Revdex.com Enclosure (1): Rules and Regulations

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/ 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: August 26, 2015Account: [redacted] Regarding Your Installment Loan PaymentDear [redacted] :We received a copy of your complaint submitted to the Revdex.com concerning how your payment has been applied on your installment loanPlease 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 youWe have thoroughly researched the issue surrounding your last two payments posting incorrectly with $processing as the regular payment, and $processing as a curtailmentIn addition to the matter most at hand, we regret any confusion this verbiage has causedTo provide clarification, a curtailment is a payment above and beyond the regular monthly payment that can also be referred to as a principal only paymentAdditionally, I want you to know that customer feedback such as yours is reviewed with our senior and executive management as part of our ongoing commitment to improving our operations.Our research regarding your payments determined that the regular payment portion set in the reoccurring transfer appear to have inadvertently been set as $rather than the $it was likely intended to beUpon review of your scheduled transfers, it appears that this has been cancelled going forwardIf you choose to reschedule the automatic transfer for $400.00, please be sure to double check the amount set for the regular payment portion to avoid future issues of this sort.You may also want to consider enrolling in Auto BillPayer as a convenient alternative to either mailing in or transferring your monthly payment via 53.comAuto BillPayer will automatically transfer your monthly payment from your Fifth Third Bank checking account to your installment loan at no additional chargeAuto BillPayer makes your total installment loan payment on time each month, preventing the added cost of a late chargeIf you are interested in enrolling in Auto BillPayer, please contact Auto BillPayer toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.I want to assure you that we have verified no late marks were showing on your credit report by performing soft pulls to all three of the major credit bureausIf you have any issues regarding this matter, please feel free to reach out to me directly[redacted] , I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a responseIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely,Sarah 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 this rebuttal essentially just repeats the first responseNowhere do they address the fact that they sent me the $payment they claim to have no record ofAlso, any rep from their company is aware of both payments yet the person responding to a Revdex.com complaint doesn't have the information that an agent has access to? This is an untrustworthy, unethical business that I will encourage anyone I can to never do business with.I am truly disgusted by their practices and lack of decency through out this Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint Regards, [redacted] Their original response clearly shows that $was being accepted into the account from *** If they would like I will have [redacted] provide the account they were sending the money toThey have a record but do not think I do, this is bordering on fraud if not fraudI am waiting for [redacted] to send documentation which I will also share with my attorney

[redacted] [redacted] ** [redacted] *** Date: January 14, Account: [redacted] Regarding your Secured Credit Card Account Dear [redacted] : We received a copy of your complaint submitted to the Revdex.com regarding your Secured Credit CardWe appreciate the time you’ve taken to document this matter and appreciate the opportunity to respond to your questionPer our secured credit card agreement, when a credit card is secured with money deposited in a savings account, that money is held days after the credit card is paid off and the card is closedOn October 2, 2015, we received your payment in the amount of $to pay off the balance and per your request, we closed the accountOn January 4, 2016, the next business day after the days were complete, the hold on your savings was released and on January 5, 2016, you transferred $to your checking account ending in On January 6, 2016, you transferred another $to your checking account leaving a balance of centsYou 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 call me at ###-###-#### or toll free at ###-###-#### Monday through Friday, a.mto p.m., ETSincerely, Briggett FOffice of the President

Please see the attached response and enclosuresCopies of the customer's bank statements will also be included in the responseThank You[redacted] [redacted] * [redacted] , [redacted] *** Date: January 3, Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com regarding your checking accountWe appreciate the time you have taken to document your concernsPlease be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to assist youThe Fifth Third Essential Checking account has an $monthly service chargeThe $monthly service charge is reduced to $per month with monthly direct deposits totaling $or moreThe charge can be avoided entirely if: [redacted] You maintain a total combined monthly average balance of $1,across your checking and savings accounts; [redacted] Or, you spend at least $per month on a Fifth Third credit card; [redacted] Or, you have any existing Fifth Third personal mortgage, auto loan, or line of credit with an outstanding balance; [redacted] Or, you are a current or former U.Smilitary member with monthly direct deposits totaling $or more; [redacted] Or, you participate in your employer’s Fifth Third banking benefits program with monthly direct deposits totaling $or more; [redacted] Or, you are a student with a valid student ID; [redacted] Or, you have a Business Premium or Business Elite Checking account and have completed a relationship consent formThis information is available on our website, 53.com, and in the printed product brochuresI have enclosed a copy of the Fifth Third Essential Checking brochure for your referenceYour checking account ending in [redacted] was opened on September 30, There was no monthly service charge assessed on your statement dated October 17, 2016, because your other checking account ending in [redacted] was still open, which is noted on your statementThere was an $monthly service charge assessed on the November and December statements because the criteria needed to earn out of the fee (which are listed on your statements) was not metI have enclosed copies of your statements for your referenceYour previous checking account ending in [redacted] was also an Essential Checking Account; however, it was not assessed a monthly service charge because [redacted] was listed as the custodian for youNo monthly service charge is assessed when the owners of the account are a custodian and a beneficiaryThe monthly service charge portion of your statements captures this account status with the words: “Special Program.” While the checking account ending in [redacted] was still open, its “Special Program” status prevented the monthly service charge from being assessed on the new account alsoBecause it was closed at a zero (0) balance on November 7, 2016, the new account is now reviewed by itselfIt is not our intention to cause you any hardshipNovember’s $monthly service charge was waived on November 19, In appreciation of your banking relationship with us, I waived December’s $monthly service charge from your December statementI hope this provides a positive resolution to your concernsTo avoid future monthly service charges, you may wish to open a Fifth Third Express Banking accountThis account has no monthly service charge, balance requirements, or overdraft feesYour existing account type (Essential) cannot be changed to the Express Banking account typeA new account with a new account number is requiredI have enclosed a product brochure for your convenienceYou can open an account online at 53.com or at a Financial CenterI noticed that you also use our Access 360° Reloadable Prepaid CardYou could choose to have your direct deposit go directly to the card, which would allow you to close the checking account and avoid its monthly service feeYou can get more information on this at a local Financial Center, or by calling the dedicated Customer Service Department for the Access 360° Reloadable Prepaid Card toll-free at ###-###-####They are open 24-hours a day, seven (7) days a weekI apologize for any inconvenience this matter 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, Alison S.Office of the President Pc: Revdex.com Enclosure: Product brochures; Statements Attachments:

Sara Martin Monarchos Drive New Albany OH Date: December 4, Account: ***Regarding Your Checking Account Dear Sara Martin: We received a copy of your complaint submitted to the Revdex.com concerning your checking 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 concernsOn behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused youWe have researched the issues you had when closing your checking account, and found that the account was reopened multiple times during this process due to pending disputesWhen an item is disputed and the investigation is in process, the account is generally kept open for any applicable refunds or debits to postWe apologize for any inconvenience that this process causedAccording to our records, cases Cand Cthat had been opened with our Disputes department have been closed after our representatives were able to speak to you about the resolution of your casesI have verified that the large dollar hold on your account was released, a credit of $for the disputed transaction was credited back to you, as well as the overdraft fees associated with the disputed transactionWe deeply regret the inconvenience caused by these events, but were pleased to confirm that your account was closed November 12, Additionally, your comments expressing less than quality service that you have received during this process are very concerningWe strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectationsI 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 operationsMsMartin, I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a responseIf I could be of further assistance to you, please contact me directly at (513) 358-or toll free at (866) 360-5353, Monday through Friday, a.mto p.m., ETSincerely, Sarah Starkey Office of the President

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 Re-initiation of claims is highly appreciated Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint Regards [redacted] ***To; Revdex.com You have ask me if the company addressed the issues? And the answer is No.Then you ask why? And I don't know why they have not contract me

[redacted] [redacted] *** [redacted] *** Date: October 20, Account: [redacted] Account: [redacted] Regarding Your Essential Checking Accounts Dear [redacted] : We received a copy of the complaint you filed with the Better Business Bureau 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 satisfactionAs you are already aware, on August 14, 2017, you received a $7,credit from the Bank for the [redacted] Pay transactions that you disputed on your Essential Checking account ending in On October 4, 2017, our Disputes Resolution Department sent a letter explaining that your case was approved and that the credit issued on August 14, 2017, is finalA copy of the letter sent on October 4, 2017, is enclosed for your review and convenienceAdditionally, on September 19, 2017, you received a credit from the Bank for the [redacted] Pay transaction that you disputed on your Essential Checking account ending in ***On September 19, 2017, our Disputes Resolution Department sent a letter explaining that your case was approved and that the credit issued on September 19, 2017, is finalA copy of the letter sent on September 19, 2017, is enclosed for your review and convenienceThank you for speaking with me regarding this matter on September 28, At that time, you expressed your concern regarding the security of [redacted] PayWe are continually improving our services and processes, and have updated our [redacted] authentication requirements to prevent unknown individuals from accessing your Fifth Third Bank account even if they have gained access to your personal email information [redacted] Pay cannot be utilized without first logging into our website with a specific User ID and PasswordThe [redacted] Pay transactions in question did not alert our Fraud Department as being potentially fraudulent transactions because the individual who accessed your account information on our website at 53.com, did so by using your Internet Banking User ID and passwordThe Bank had no way of knowing that the [redacted] Pay transactions were not initiated by youPer your request, and as you are already aware, [redacted] Pay has been disabled from your online banking profile so that it cannot be usedPlease also accept my sincere apologies of 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 customers and we regret if this has not been your experience [redacted] , you are valued customer of the Bank and I appreciate this opportunity to respond to your concernsIf 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: Letter Dated October 4, Letter Dated September 19,

.I spoke to representative on the phone questioning a portion of the statements I asked them to look at the 700.or so dollar total for fee's on the account for a previous cycleI also explained that at one time I was told I had been charged if I remember correctly close to dollars in other various fee's for a year or two totalPRIOR to thr dates they have submitted on their rebuttle statementExplaining this to the agent, she said she would take a detailed look at itNever heard anything until this most recent reply from Revdex.comWhat I would liKETo see is a amount charged for innsuficcient fee's for years prior to all thay have correspondedOr just a total of these charges over my last To yearsThat should be easy

We believe we have addressed the customer’s concerns in our prior responsesHe has provided no new information in his complaintWe will not be sending another written response, unless the customer can provide new details to his complaintThank you Pat S.Senior Consumer Resolution SpecialistFifth Third Bank | Office of the PresidentKingsley DriveMD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### Fax: ###-###-####Email: [redacted]

[redacted] Date: August 5, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of the complaint you recently filed with the Revdex.com on July 29, 2015, concerning the hold placed on your deposits into your checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matterWe strive to provide professional and accurate service to our customers and I am sorry if that has not been your experienceCustomer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customersPlease be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concernsWe are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulationsThe Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraudOn the day of your deposit, a combined $from all deposited checks is available immediately; the remaining funds will be made available on the second business dayCash deposited into an account is immediately availableIn some instances, we reserve the right to place a hold of a longer period of time on a depositThe full amount of the deposit will not become available until the hold has endedAvailability of the funds will generally be no later than the seventh (7th) business day after the day of your depositThis Bank policy is outlined in the Rules and Regulations, which you received upon opening your accountIn researching your concerns, we found that a check for $2,600.00, which you deposited at the [redacted] Financial Center, was posted to your account on July 10, Our system placed a hold on the deposit when it was processed due to the repeated overdraft situations on your checking accountIn addition, a check for $3,500.00, which you deposited at the Ferguson Financial Center, was posted to your account on July 27, You were notified that both of these deposits would be held due to the repeated overdrafts on your checking accountEnclosed please find copies of the letters mailed to you regarding these depositsPlease note that within the last two (2) months, your account had become overdrawn on eleven (11) occasionsOur records reflect that we have reversed a total of $in overdraft charges on your account in the last monthTherefore, we are not willing to reverse any additional overdraft chargesYou are a valued customer and I appreciate this opportunity to address your concernsIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely, Carolyn G.Office of the PresidentPc: Revdex.com Enclosure: (2)

Hi ***, [redacted] did send me a recording from which I was finally able to listen toIt does not support his and the customer’s claims as they think it does, and regardless it would not have changed our ultimate responseI am doing a bit more digging which I hope will help them understand, and I will give him or the customer a call tomorrowThis has been quite frustrating to get the customer and [redacted] to understandI will keep you postedThank you, Elizabeth D| Fifth Third BankCustomer Care Team Specialist II Phone ###-###-#### Fax ###-###-#### Email [redacted]

We are in receipt of your letter dated October 13, 2016, regarding the informal complaint filed by Mr [redacted] We have had the opportunity to investigate this Complaint and offer the following information.Armstrong attempted to contact Mr [redacted] twice on September 27, 2016, and once on September 28, to discuss his concerns, however, we have been unsuccessful in reaching Mr [redacted] Unfortunately, Armstrong was unable to leave a message for Mr [redacted] , as no voicemail or answering machine appear to be set up on his phoneArmstrong would like the opportunity to speak with Mr [redacted] to attempt to resolve this situation, and we encourage him to call our Customer Service Center at his convenience.Thank you for your attention to this matterPlease feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Teamcc: [redacted]