PROCORPSA

[redacted] Date: February 19, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your mortgage loan....

We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your mortgage loan. It was certainly not our intention to cause you any hardship. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. 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. We completed a review of the mortgage loan account ending in [redacted]. On August 19, 2015, we sent the enclosed letter to the address listed above requesting proof of payment for the 2014 property taxes due to [redacted]. As explained in this letter, if acknowledgement of payment was not received within thirty (30) days from the date of the letter, to protect our interest in the property, further action may be taken which may include payment of the delinquent taxes and establishing an escrow account for the future. Because we did not receive proof of payment for the 2014 property taxes due to [redacted], on November 3, 2015, we submitted a payment for the delinquent taxes in the amount of $330.00. Please refer to page four (4) of the enclosed Mortgage, which explains that the Bank may exercise its rights to pay escrow items and the borrower is obligated to repay the lender. On November 10, 2015, we sent the enclosed letter and Corrected Annual Escrow Account Disclosure Statement to the address listed above explaining that the Bank had paid the delinquent taxes and an escrow account was established for the future tax payments. As explained in the escrow statement, projected payments were scheduled to be disbursed in January 2016, and June 2016, in the amount of $4,383.50 each for the [redacted] property taxes. This statement also presented the three (3) options available to pay the escrow shortage in the amount of $6,174.68, which included the following: 1. Pay the escrow shortage of $6,174.68 in twelve (12) payments of $514.55. These shortage payments would be included in your new monthly payment of $2,656.57, which would begin January 1, 2016. 2. Pay the escrow shortage of $6,174.68 in full by November 20, 2015.Your new monthly payment would be $2,142.02. 3. Pay part of the escrow shortage of $6,174.68, and the part that is not paid would be divided evenly and added to your mortgage payment each month for the remainder of the annual review period. Because we did not receive the escrow shortage payment from you, option one (1) was chosen by default and effective January 1, 2016, your new monthly payment was $2,656.57. On November 20, 2015, you contacted our Customer Service Department to inform us that the taxes were current and the proof would be faxed in so we could request a refund from the [redacted]. On November 30, 2015, the document from [redacted] showing the penalty was waived was faxed to the Bank. Because we received this documentation, we requested these funds to be returned by [redacted], and on December 11, 2015, we received the $330.00 credit to the escrow account. Because these funds were credited to the account, on December 22, 2015, we reanalyzed the escrow account, and sent the enclosed Corrected Annual Escrow Account Disclosure Statement to the address listed above. As explained in the escrow statement, projected payments were scheduled to be disbursed in January 2016, and June 2016, in the amount of $4,383.50 each for the [redacted] property taxes. This statement also presented the three (3) options available to pay the escrow shortage in the amount of $5,844.68, which included the following: 1. Pay the escrow shortage of $5,844.68 in twelve (12) payments of $514.55. These shortage payments would be included in your new monthly payment of $2,629.07, which would begin January 1, 2016. 2. Pay the escrow shortage of $5,844.68 in full by January 1, 2016. Your new monthly payment would be $2,142.02. 3. Pay part of the escrow shortage of $5,844.68, and the part that is not paid would be divided evenly and added to your mortgage payment each month for the remainder of the annual review period. Because we did not receive the escrow shortage payment from you, option one (1) was chosen by default and effective January 1, 2016, your new monthly payment was $2,629.07. It should be noted that full or total monthly payment amounts are required before we can post a payment to your mortgage. A full monthly mortgage payment includes your total principal and interest payment due, plus your monthly tax and insurance obligations. If we do not receive the total mortgage payment that is due, any funds or partial payments that we receive may post to the account in an unapplied state. Any unapplied funds may be reapplied or returned to you at a later time depending on the degree of delinquency on the mortgage account. We also reviewed the recent payment to the account. As explained in the enclosed Note, your full payment is due by the first day of each month. If you do not pay the full amount by the end of the fifteen (15) day grace period, a late charge will be assessed to the account in the amount of 5% of the overdue principal and interest payment. On January 15, 2016, we received your payment in the amount of $1,411.44, because this payment didn’t satisfy the payment due for January 1, 2016, in the amount of $2,629.07, the funds were posted to the account as an unapplied credit. We understand your concerns about the collection notices you received. Our Collection Department sends these notices to customers when a full payment is not received by the due date. They are a failsafe 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. Our review of your escrow account has determined that a disbursement was made on January 5, 2016, to [redacted] for the property taxes in the amount of $4,147.46. On February 18, 2016, we submitted a request to [redacted] to have this payment returned to the Bank. We apologize for any additional concern it may have caused when we were initially informed by [redacted] that they were unable to return the funds to the Bank. We have been advised that it may take up to four (4) weeks for the payment to be returned to the Bank. Although we are waiting on the payment to be returned, in the interest of customer service, we have removed the escrow from the mortgage and adjusted the monthly payment amount to $1,411.44, effective for the payment due for January 1, 2016. We expect that [redacted] will return the funds directly to the Bank. However, if [redacted] returns the funds to you, these funds would need to be promptly returned to the Bank to avoid further escrow activity and adjustments to the monthly payment. As we previously mentioned, your monthly payment amount has been adjusted to $1,411.44, effective for the payment due for January 1, 2016. The following payments have been applied to the mortgage loan: ? We received your payment on January 15, 2016, in the amount of $1,411.44, which was applied to the mortgage loan to satisfy the payment due for January 1, 2016, in the amount of $1,411.44. ? We received your payment on February 16, 2016, in the amount of $1,411.44, which was applied to the mortgage loan to satisfy the payment due for February 1, 2016, in the amount of $1,411.44. Because this payment was received on the first business day of the week, the payment was backdated to the previous Friday, February 12, 2016, to allow for the possibility that the grace period may have ended over the weekend. It should also be mentioned that because these payments were adjusted, there will be no delinquent credit reporting sent to the credit reporting agencies. In addition, the payments were received prior to the end of the grace period, and there were no late fees assessed to the account. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com Enclosures: Mortgage, Proof of Payment Letter, Delinquent Tax Payment Letter, Corrected Annual Escrow Account Disclosure Statements, Note

[redacted] Date: August 17, 2015 Account: [redacted] Regarding Your Established Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your...

Established Checking account. We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We apologize for the confusion regarding your Overdraft Coverage settings. Upon further review of your account we see you accepted Overdraft Protection March 2012 with your Relationship Savings account ending in [redacted] for purchases when your checking account had insufficient funds. Our records indicate you have had Overdraft Protection transfers between the period of March 6, 2012, to May 27, 2015. Please remember that if you decline Overage Coverage, your card will be automatically declined when attempting to make a debit card transaction if there is an insufficient balance. Overdraft Protection is a transfer of funds from a secondary account that takes place at the end of the business day to cover an already overdrawn balance. Overdraft Protection does not automatically transfer on-the-spot in the event there is a debit authorization on an insufficient balance. Currently, your Overdraft Protection account, the Relationship Savings account ending in [redacted], has been closed. On August 8, 2015, per your request, your Overdraft Coverage options have not been changed to decline all card purchases that may overdraw your account. We completed a review of the account transactions and the fees that were assessed. Please note you have several options available if you wish to review your available account balance, including via the ATM (Automated Teller Machine), on the Internet at 53.com, alerts via text message, and by calling our automated customer service line at ###-###-####. If the account becomes overdrawn, we also mail an overdraft notice to inform you of the occurrence that includes a detailed breakdown of the day’s transactions. Our review of the account included the following: ? On July 21, 2015, the beginning account balance was $59.65. Three (3) debit card transactions and one (1) ATM withdrawal totaling $164.23 posted to the account, leaving the account balance at ($104.58). The debit card transactions were not assessed an overdraft fee. However, the ATM withdrawal was assessed an overdraft fee in the amount of $37.00 the following business day. ? On July 27, 2015, the beginning account balance was $126.02. One (1) credit in the amount of $22.85 posted to the account. Also, two (2) debit card purchases and a web initiated payment totaling $198.02 posted to the account, leaving the account balance at ($49.15). The debit card transactions were not assessed an overdraft fee. However, the web initiated payment was assessed an overdraft fee in the amount of $37.00 the following business day. ? On July 28, 2015, the beginning account balance was ($49.15). One (1) debit card transaction in the amount of $53.65 and the $37.00 overdraft fee from the previous business day posted the account, leaving the account balance at ($139.80). The debit card transaction was assessed an overdraft fee in the amount of $37.00 the following business day. ? On July 29, 2015, the beginning account balance was ($139.80). Two (2) credits totaling $178.50 posted to the account. Also, one (1) debit card transaction in the amount of $10.00 and the $37.00 overdraft fee from the previous business day posted the account, leaving the account balance at ($8.30). The debit card transaction was not assessed an overdraft fee. ? On July 30, 2015, the beginning account balance was ($8.30). Two (2) debit card purchases totaling $85.43 posted to the account, leaving the account balance at ($93.73). Both debit card transactions were assessed overdraft fees in the amount of $37.00 each, totaling $74.00, the following business day. ? On July 31, 2015, the beginning account balance was ($93.73). Five (5) debit card purchases totaling $133.47 and the $74.00 overdraft fee from the previous business day posted to the account, leaving the account balance at ($301.20). Each of the five (5) debit card transactions were assessed overdraft fees in the amount of $37.00 each, totaling $185.00, the following business day. ? On August 3, 2015, the beginning account balance was ($301.20). One (1) credit in the amount of $64.46 posted to the account. Four (4) debit card purchases totaling $220.42, the $185.00 overdraft fee from the previous business day, and the $3.95 world debit monthly fee posted the account, leaving the account balance at ($646.11). Each of the five (5) debit card transactions were assessed overdraft fees in the amount of $37.00 each, totaling $185.00, the following business day. ? On August 4, 2015, the beginning account balance was ($646.11). One (1) credit in the amount of $67.66 posted to the account. Five (5) debit card purchases totaling $70.87 and the $185.00 overdraft fee from the previous business day posted the account, leaving the account balance at ($834.32). Each of the four (4) debit card transactions were assessed overdraft fees in the amount of $37.00 each, totaling $148.00, the following business day. I have also enclosed a copy of the overdraft notices that were sent to the address listed above for your convenience. We completed our review of the overdraft fees assessed to your account between July 21, 2015, and August 5, 2015, totaling $703.00. Our review determined there was no Bank error in assessing the overdraft fees to the account. However, in the interest of customer service, on August 8, 2015, the Bank reversed $150.00 of the overdraft fees, and these funds were credited back to your account. Because there was no Bank error in assessing these fees, we are unable to waive any additional fees. I am sorry for any frustration this may cause you. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q.Office of the President Enclosures: Overdraft Solutions, Overdraft Notices

[redacted] Date: December 19, 2017 Account: [redacted] Regarding Your Fifth Third Bank Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to...

hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. As indicated within your loan contract, comprehensive insurance coverage must be maintained on the vehicle as long as there is an unpaid balance on your loan. Our records indicated that the existing insurance policy ended on August 8, 2017. We sent a notice to the above address on September 5, 2017, informing you that we will buy insurance and charge the cost to you unless we receive proof that you have obtained your own insurance policy. When no proof of insurance was received, we sent a notice to the above address on September 26, 2017, that the cost of our insurance policy, $1,990.00, was added onto your loan and your monthly payment amount was increased. I have enclosed copies of those notices for your records. Upon receiving proof of your insurance policy, the insurance cost was partially removed from your loan. Because there was a gap in comprehensive insurance coverage from August 8, 2017, to November 9, 2017, $507.00 in collateral protection insurance remained on the loan. This amount was divided over ten (10) months of payments beginning with the November payment. This increased your monthly payment by $50.70 to $327.91 through August 4, 2018. Your payment due September 4, 2018, will revert to the original payment amount of $277.21. The past due amount was a result of the added insurance which took effect with the payment due November 4, 2017. I apologize for the conflicting information you received about this. We understand your concerns about the collection calls you received. They are a failsafe 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. We received your November payment of $325.29 on November 17, 2017. Your loan is due for the January payment of $327.91. In the interest of customer service, I have waived the late fee of $13.86 charged for the November payment. No unfavorable account information was reported to the credit reporting agencies, so no further adjustments are required. Your feedback helps us to identify problems and to improve the level of service we provide to our customers. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S. Office of the President Pc: Revdex.com Enclosures

[redacted] Date: December 13, 2016 Account: [redacted] Regarding Your Credit Card Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to hear about the...

difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. Your payment is due on or before the Payment Due Date shown on your Account Statement. You must pay at least the Minimum Amount Due shown on your Account Statement on a monthly basis. Should your credit card become past due for the minimum monthly payment, the account may be subject to late fees, negative credit reporting, and collection proceedings. In addition, our Collection Department will attempt to contact you by mail and telephone. After thoroughly reviewing your account history, we confirmed that this account was never set up with our free Auto BillPayer service. Auto BillPayer is a free service that automatically deducts payments from a checking or savings account each month on the due date. This service requires a signed enrollment form. Most of the payments you have made to this account have been done over the telephone, or through the Automated IVR (interactive voice response menu). These payment types are processed using the same system as our free Auto BillPayer service which is why they post to your statements as Payment from Auto BillPayer. This account was opened March 31, 2015. It was revoked due to non-payment on November 5, 2015. My research found that there was one (1) payment arrangement made with our Collection Department that involved multiple months. You accepted the following schedule on December 7, 2015, for payments to be drafted: $500.00 to be drafted on December 7, 2015; $500.00 on January 4, 2016; $500.00 on February 2, 2016; and $500.00 on March 2, 2016. No notice would have been sent to you at the end of the verbal payment arrangement. Because you also mentioned your September payment, I have enclosed a copy of the notice generated on September 12, 2016, confirming that a one-time electronic deduction of $144.00 was scheduled to be drafted on September 13, 2016. This 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 remove 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 I apologize for any inconvenience this may have caused you. This additional review determined that the Bank has acted in good faith and there was no error in the posting of your payments. While we are unwilling to reverse all the interest and late charges from the account, I have credited your account for one (1) late fee of $35.00. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com Enclosure: September payment notice

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.  First I'd like to point out that they are being less than truthful about the date I changed my address with them.  When I called them March 1 they confirmed my current address as the address that was on file, additionally they have sent mailings to me at my current address.  They originally mailed my title to the address on the title, not the address on my account.  Again...this was their mistake and they refuse to take responsibility for it.  As of today I have yet to receive my title and it doesn't appear as if they mailed it via a manner that there is tracking or any proof that it was sent which is what I requested.
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: August 20, 2015 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning your Fifth Third...

Bank credit card. We appreciate the time you have taken to bring this matter to our attention. 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. We conducted a thorough review of the Real Life Reward promotions offered by the Bank during 2015. Our review determined that the Bank did not offer a promotion for cardholders to earn 8,000 reward points for spending $500.00 on their Real Life Reward [redacted] by March 31, 2015. The Bank did offer a promotion for cardholders to earn 2,500 reward points for spending $500.00 on their Real Life Reward [redacted] from April 1, 2015 through June 12, 2015. We regret that you did not meet the requirements for this promotion in the time frame allotted. In order for us to research the Real Life Reward promotion for 8,000 reward points further, please send a copy of the promotional offer to the following address: Fifth Third Bank Office of the President 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####.

[redacted], When we received [redacted]’ first Revdex.com complaint in June 2016, we contacted our insurance vendor to determine the reason for the force placed insurance. Our insurance vendor contacted [redacted] and was provided the attached policy information directly from his agent, Dennia Beard. The policy information that we received clearly shows that the policy was written on March 30, 2016, with a policy effective date of May 24, 2016. Mr. [redacted] has continued to claim that this information is incorrect even though we received the policy information directly from [redacted].When his additional complaint was received, our insurance center contacted his agent and was told verbally that the policy was written on March 30, 2016, with an effective date of May 24, 2016, as stated on the policy information that we received. When we received an additional Revdex.com complaint requesting that we contact his insurance agent, I personally called his agent and was told over the phone that a policy was written on March 30, 2016, with an effective date of May 24, 2016, again confirming the information that was provided to our insurance center initially.When [redacted] recently provided the Certificate of Liability Insurance document, our insurance center reviewed the document provided and realized that the effective date was different from the initial policy information provided by [redacted] in June 2016. Therefore, our insurance center contacted his insurance agent directly to confirm the policy information. Once again we were told over the phone by [redacted]’ insurance agent that the policy was written on March 30, 2016, but the vehicle held for collateral by Fifth Third Bank did not have comprehensive coverage until May 24, 2016. The information that we have provided [redacted] throughout this process has not changed. The documentation provided by [redacted] and the information provided verbally from his insurance agent all confirm that a policy was written on March 30, 2016, but the comprehensive coverage was not effective until May 24, 2016.Our position in this matter has not changed. We consider this issue closed and we will no longer respond to [redacted] regarding this matter. Thank you, [redacted]| Fifth Third Bank Customer Care Specialist II| Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263

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

Hello, I did receive 2 calls from [redacted] while I was out of the office, I returned her call today and left a message.  I provided the number to our Borrower’s Assistance Department who would be best to work with [redacted] regarding hardship assistance. I have contacted them and confirmed that she may not qualify at this time.  I’ve attached our response, but without new information from the customer we would stand with our response.  Thanks. Pat S.Customer Care Team SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### Fax: ###-###-####Email:  [redacted]

[redacted] [redacted] [redacted] Date: June 28, 2017 Account: [redacted] Account: [redacted] Regarding Your Truly Simple Credit Card Dear [redacted]: We received a copy of the letter you sent to the Revdex.com...

concerning your Truly Simple Credit Card. 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. 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 customer satisfaction. On May 7, 2017, we received your credit card application submitted on our website at 53.com. As you are already aware, as is indicated in your complaint letter, you contacted the Bank’s Disputes Resolution Department on May 19, 2017, and reported that the card was opened without your authorization. I have confirmed that the card should have been closed at that time since you reported that the card was opened without your authorization. Please accept my sincere apologies that the card was not closed on May 19, 2017, when you reported that the card was opened fraudulently. The card application that was fraudulently submitted on our website at 53.com contained the following information: ** applicant name as [redacted] ** applicant date of birth as [redacted] ** your full social security number 
[redacted] [redacted] ** applicant email of [redacted] On May 24, 2017, the fraudster called the Bank and successfully verified your full social security number and your address. The fraudster then requested that the address be changed from the [redacted] address. The fraudster then requested that a replacement card be mailed to the updated address. Since the fraudster successfully answered the security questions that were asked, the original card number ending in [redacted] was replaced with the card number ending in [redacted], and the replacement card was mailed to the updated address. The card was used to make purchases and was not closed until your Disputes Resolution Department case number [redacted] was closed on June 19, 2017. Since it was determined that the card was indeed opened fraudulently, you are not liable for the card or any of the purchases made on the card. Additionally, the Bank submitted a request to the credit reporting agencies to delete the credit inquiry and to delete the account from your credit bureau report. The credit bureau correction request was submitted when your Disputes Resolution Department case was closed on June 19, 2017. The letter from our Disputes Resolution Department informing you of this was mailed to you on June 19, 2017. A copy of the letter is enclosed for your review and convenience. I have also enclosed copies of the account statements for your review. Please be assured we have submitted an update to all four (4) credit bureaus to delete the inquiry and to delete the account. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. Please also be assured that we will continue to conduct reviews and follow up with the credit reporting agencies until we ensure the account is reporting correctly. If you would like to contact the credit bureaus directly, their contact information is below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted], thank you for your patience while we researched this matter for 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 PC: Revdex.com Enclosures (3): Disputes Resolution Department Letter Dated June 19, 2017 Statements 2

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.  My last credit report showed the account reopened and the late pay removed. My credit score has been restored. I am very grateful for the quick response and resolution.
Regards,
[redacted]

.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 cycle. I also explained that at one time I was told I had been charged if I remember correctly close to 2000.00 dollars in other various fee's for a year or two total. PRIOR to thr dates they have submitted on their rebuttle statement. Explaining this to the agent, she said she would take a detailed look at it. Never heard anything until this most recent reply from Revdex.com. What I would liKE. To see is a amount charged for innsuficcient fee's for 2 years prior to all thay have corresponded. Or just a total of these charges over my last 2. To 2.5 years. That should be easy.

This is beyond frustrating.  On 2/5/16 the first of two charges were made to my Fifth third account in the amounts of $5.99 and $5.95 for skin care products.On 2/11/16 I received a package from "[redacted]" in [redacted], sent regular U S Postal service - not expedited service of any kind.  (note: I have the original packaging).  On 2/22/16 additional charges were made in the amount of  $89.97 and $89.95.  I called the numbers provided by [redacted] and [redacted].  (###-###-#### and ###-###-####) I spoke to the same person for both phone calls.  We discussed the charges and I informed their customer service representative that I did not have the product for 14 days!  She then said she would cancel the accounts and send me confirmation by email.  ( A copy is attached.)  When I read that any ONGOING and future charges were cancelled as "per my request" I was satisfied that the matter was settled.  As well Fifth Third Bank had reversed the charges on my account.3 months later on May 19, 2016 Fifth Third charged my account.  I was in [redacted] at the time for my daughters wedding.  Upon returning home I called Fifth Third on 5/23/16.  they told methat they had recived documentation from the merchants that I had not cancelled.  At that time I faxed the cancellation to them.  I didn't hear anything further from them and called on 7/25/16 and spoke with Kate in their Disputes resolution department.  She told me that the case had been closed and a letter was sent.  I asked for a copy to be emailed.  She could not email it and said she would send a copy.  I did not get it.At this point, I feel the merchant was not truthful as they did not allow a 14 day trial.  I feel I did cancel prior to the 14 days.  (I had the product on the 11th and cancelled on the 22nd)  Unfortunately the web site has been shut down and I cannot confirm the terms and conditions of their offer.  Additionally, I have not received a copy of the letter from Fifth Third dated August 4th and do not have a copy of the response they received from the merchant.I have complied with the offer and cancelled before the 14 days.  I don't think Fifth Third Bank has considered this information and their decision was made without it.That's all I can say.  Hopefully, the bank will take another look at this case and reverse the charges to my account.Respectfully,  [redacted]

[redacted] Date: November 2, 2016 Account: [redacted] Regarding ATM Deposit Dispute Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your ATM (Automated...

Teller Machine) deposit dispute. 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 the difficulties you have experienced. It was certainly not our intention to cause you any hardship. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. After completing our research, we posted a credit of $130.00 to your checking account ending in [redacted] for the missing ATM deposit on October 31, 2016. This credit is final and will not be reversed. I truly hope this meets your satisfaction and resolves your needs. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth Draper Office of the President Pc: Revdex.com

[redacted]Date: June 9, 2015 Account: [redacted]Regarding
Emails You Have ReceivedDear
[redacted]:We received a copy of your complaint submitted to the RevDex.com concerning the emails received for your closed mortgage...

loan
account. We appreciate the time you have taken to document your thoughts and
concerns regarding this matter.While we sympathize with the stress and
frustration you are feeling over this matter, we stand by the previous
responses sent to you on this issue. We received a copy of this complaint on
March 19, 2015, dated March 16, 2015, as well as a similar complaint from you
on April 24, 2015, prior to your current Revdex.com complaint we received June 1,
2015. However, our position has not changed from the response conveyed to you
in the previous letters sent on April 10, 2015, and May 8, 2015. I have
enclosed copies of our prior correspondence sent to you for your review.To assist you in resolving your issue, I
ask that you please review the email you have received from ‘[email protected]’ that you sent to us with your first
letter. Please know that this email was sent by a third party who is not
affiliated with or related to Fifth Third Bank in any way. In order stop
receiving these emails, please review the fine print at the bottom and follow
the instructions to unsubscribe.[redacted], we are unable to comply with
your request for compensation, but please be assured that we have fully
researched your concerns and we are confident that Fifth Third has not provided
your personal information to any non-affiliated entities in accordance with our
Privacy Policy, which can be viewed at www.53.com.Sincerely, [redacted]Office
of the PresidentPc:
Revdex.comEnclosures:
Prior response letters

[redacted] [redacted] [redacted] Date: January 10, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received copies of the complaints you filed with the Revdex.com and the Consumer...

Financial Protection Bureau. Please be assured that Fifth Third Bank takes your feedback seriously and I appreciate this opportunity to respond to your concerns. Each year, we review your escrow account to make sure the escrow portion of your monthly mortgage payment covers your property taxes and insurance. Federal Law allows for the collection of a reserve amount to maintain a cushion for unexpected tax and/or insurance increases. Its required balance cannot fall below the sum of two (2) months of projected Escrow Account payments at any point during the year. The lowest projected balance in the escrow account is compared to the lowest required balance. If the projected balance is greater than the required balance, a surplus can be returned to the customer. Otherwise, there is a shortage and the annual escrow analysis statement gives the customer options on how to pay the shortage. At Fifth Third Bank, we are committed to doing what is right for our customers and although we strive for excellence, mistakes sometimes happen. An internal processing error caused a refund check to be issued to you from your escrow account, when no refund was due. In the process of transferring the force placed homeowner’s insurance policy from one vendor to another, a credit of $1,486.00 for the [redacted] homeowners insurance premium posted to the escrow account on October 7, 2016. When the regularly scheduled escrow analysis was done on November 23, 2016, the system saw the $1,486.00 as a credit to the escrow account instead of an internal bookkeeping entry and completed the 2017 escrow projection with the amount included. This resulted in a surplus of $691.27. The Bank identified the error and the check issued on November 23, 2016, was cancelled, and the funds were returned to the escrow account on November 30, 2016. I sincerely apologize for your frustration and concern regarding the conflicting information you received about this item. I have enclosed copies of the analysis dated November 23, 2016, and the corrected escrow analysis statement dated November 30, 2016, which replaced it. You will notice the Beginning Balance for the 2017 Projections on page two (2) of both documents shows the correction. On the November 23rd document, the beginning balance in the escrow account is listed as $2,808.72. On the corrected November 30th document, the Beginning Balance in the escrow account is $1,322.72. On the November 30th analysis, the lowest projected balance in the escrow account was less than the lowest required balance, so there was a shortage of $794.73. The calculations are on page three (3) of this analysis. The shortage was spread over twelve (12) months. Your monthly payment amount decreased from $1,612.29 to $1,506.18 effective with the payment due January 1, 2017. That payment has already been drafted via our Auto BillPayer service. I have also enclosed the payment history you requested. On behalf of the Bank, please accept my sincere apologies for the inconvenience and frustration this matter caused you. You are a valued customer and we look forward to continuing our 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, Alison S.Office of the President Pc: Revdex.com; Consumer Financial Protection Bureau Enclosures

[redacted] Date: March 28, 2016 Regarding Your Mortgage Loan Application Dear [redacted]: We received a copy of your continued complaint submitted to the Revdex.com concerning the origination process associated with your recent mortgage loan application. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to further communicate your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. We have researched your request to have any inquires removed past the inquiry associated with your initial mortgage loan application, and wish to assure you our records do not reflect additional inquires associated with this matter. In addition, regarding your request for a reimbursement of the application, appraisal, and other associated fees paid during the course of the mortgage loan application process, as well as fees paid to another lender associated with a new mortgage loan application, we are unable to fulfill this request due to no bank error having been found associated with this issue. Rather, the loan application in question was unable to be approved due to the property which was selected for purchase having been appraised as non-conforming collateral. I have enclosed our previous response containing further details regarding this matter, as well as a copy of the appraisal of this property for your records. [redacted], I appreciate this opportunity to further 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: Previous Response [redacted] Property Appraisal November 30, 2015

[redacted] Date: November 30, 2016 Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau regarding your Fifth Third Bank Essential 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 the level of service you received from our Customer Service Department. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your letter, I forwarded your concerns to the relevant parties in our Customer Service Department who thoroughly researched this matter. 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. However, I cannot inform you of any specific internal actions that may be taken. Fifth Third Bank processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order: 1. Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability Policy. 2. Time-stamped debits, such as ATM withdrawals and debit card purchase, in the order in which they are received. 3. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges in the order of the largest to the smallest amount. Debit card and ATM (Automated Teller Machine) transactions are time-stamped debits and pre-authorized at the time of use, and will show as pending until they are posted. Because time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic ACH (Automated Clearing House) payments are batch debits that are not pre-authorized by us. These transactions do not include a time-stamp and will not show as pending during the day. Checks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payment was authorized to be paid. I have enclosed a copy of our current Rules and Regulations for your review. Page twelve (12) provides additional information regarding our overdraft calculation order. Page seventeen (17) provides additional information regarding transaction cut-off times. Page eighteen (18) provides additional information regarding our Funds Availability Policy. We recommend that customers keep a ledger to track all transactions, including checks they have written, so that they can know if there are items that have not posted and can plan accordingly. You can avoid overdraft situations by always making sure you have sufficient funds in your account to cover all of the debits you make. We have services available to help you keep track of your account balance and the money you have spent. These include: ** Logging on to 53.com ** Using the mobile app ** Text or email alerts ** A Fifth Third ATM ** Calling ###-###-#### ** Visiting a banking center We also offer several options that may help you manage times when you are facing an overdraft situation. These options include Overdraft Protection and Overdraft Coverage. An overdraft occurs when you do not have sufficient funds in your account to pay your transactions. You have the option of enrolling in Overdraft Coverage for ATM transactions and everyday debit card purchases. If you opt-out and attempt to authorize your card for an amount more than the balance in your account, the transaction will be immediately declined. If you opt-in to Overdraft Coverage, your card may be approved beyond the balance in your account, and the transaction will be subject to overdraft fees. As part of this service, we do authorize and pay overdrafts for the following types of transactions: ** Checks and other transactions made by using your checking account number ** Automatic Bill payments Our review of your checking account determined you have opted to decline Overdraft Coverage. You may change your Overdraft Coverage preference selection anytime by the following ways: ** Visiting a Fifth Third banking center ** Online at 53.com/accountmanagementservices ** By phone, ###-###-#### Please note that opting out of Overdraft Coverage does not guarantee that the checking account will not be overdrawn, but it does guarantee that the checking account will not be assessed an overdraft fee for any ATM or one-time debit card transactions that posts to the account while it has a negative balance. As I mentioned in our telephone conversation, we have researched your prior overdraft situations to determine if Bank error was the reason for the overdraft fees. Our review determined you have been assessed $99.00 in overdraft fees in the last twelve (12) months. Our review determined that $74.00 in overdraft fees have been reversed into your account as a courtesy, the overdraft situations below were not a result of any Bank error. Please find enclosed a copy of your checking account statement dated February 17, 2016. On February 2, 2016, the ending balance in your checking account was $28.72. On February 4, 2016, check (#[redacted]) posted to your checking account in the amount of $98.90. This transaction resulted in a negative ending balance of ($70.18). The Bank issued the enclosed overdraft notice to inform you of the overdraft, and the fee that would post to your checking account the following day. As a courtesy this fee was reversed on February 12, 2016. Your next overdraft situation occurred on May 24, 2016. Please find enclosed a copy of your checking account statement dated June 17, 2016. The ending balance in your checking account on May 23, 2016, was $8.54. Two (2) credits posted to your account totaling $3.13, the transfers resulted in an available balance of $11.67. Three (3) debits posted to your checking account on May 24, 2016. Two (2) of the items were debit card purchases totaling $11.66. Please note you were not assessed an overdraft fee for the two (2) debit card purchases. However, a check for $48.00 posted to your checking account, which resulted in a negative ending balance of ($47.99). The Bank issued the enclosed overdraft notice to inform you of the overdraft, and the fee that would post to your checking account the following day. You contacted our Customer Service Department regarding this fee. As a courtesy, the fee was reversed on May 26, 2016. Your most recent overdraft situation occurred on November 14, 2016. On November 10, 2016, your ending account balance was $267.15. It should be noted, the Bank was closed on November 11, 2016, in observance of Veteran’s Day. Ten (10) debit transactions posted to your checking account on the next business day November 14, 2016. The transactions posted to your checking account in the following order. Beginning Balance: $267.15 November 11, 2016, 4:29 PM Merchant Payment- [redacted] $ 62.16 November 11, 2016, 4:37 PM Merchant Payment- [redacted] $ 61.50 November 11, 2016, 9:12 PM Merchant Payment- [redacted] $ 9.53 November 11, 2016, 11:35 PM Merchant Payment- [redacted] $ 20.96 November 12, 2016, 1:23 PM Debit Card Purchase at [redacted] $ 6.20 November 12, 2016, 2:29 PM Debit Card Purchase at [redacted] $ 5.02 November 12, 2016, 8:49 PM Merchant Payment at [redacted] $ 24.76 November 13, 2016, 3:52 PM Merchant Payment at [redacted] $ 5.31 November 14, 2016, Check #[redacted] $121.24 November 14, 2016, Non-5/3 Cash Withdrawal Fee $ 2.75 The debits totaled $319.43, and you were assessed one (1) $37.00 overdraft fee. As noted in the enclosed overdraft notice dated November 15, 2016, you were assessed an overdraft fee for the check posting to your account. A $50.00 telephone transfer was made on November 15, 2016, into your checking account; however, this transfer did not affect the negative balance from the prior business day. On November 16, 2016, you contacted our Customer Service Department to request a fee reversal. As a general guideline, the Bank allows customer service agents to reverse up to $74.00 in overdraft fees that were not a result of Bank error. The agent correctly informed you that they could waive an additional $12.00, which would bring the twelve (12) month total of courtesy fee reversals to $74.00. In your conversation with the customer service agent you stated that the check had not posted at midnight on November 15, 2016. Please note the agent correctly informed you that a check is not a time-stamped debit and that the processing is completed as timely as possible, and that processing may not be completed by midnight. As the maker of the check to [redacted], you were aware the check was an authorized purchase and had not cleared the account. After our telephone discussion, I did research your prior calls to our Customer Service Department. My research determined you were provided incorrect information during one (1) of your calls. On October 15, 2016, you contacted our Customer Service Department and asked the agent why you were not able to check your husband’s payroll check. In error, the customer service agent informed you that you would be able to cash the check for no fee at a Fifth Third banking center. In order to cash a non- Fifth Third check, you would need to have funds in your account that would cover the amount of the check. Please accept our sincere apologies for the misinformation provided to you by the customer service agent. In the interest of customer service, we have reversed the remaining $25.00 of the $37.00 fee assessed on November 15, 2016. Fifth Third Bank does offer a check cashing service called Cash Access. Please find enclosed information about Fifth Third Bank’s Cash Banking services. Fifth Third Cash Access allows our customers to get cash immediately at competitive rates. You can cash almost any kind of check including payroll, government, personal and more. As a Fifth Third Bank checking customer, you would pay a fee of 1% for payroll and government checks, and 2% for personal checks. Please visit a local banking center for more information about our Cash Banking services. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides additional information related to the overdraft fees that were assessed to your account, and ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage options is also provided on the enclosed document. Please feel free to contact me at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. 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, Patrick S.Office of the President PC: Revdex.com Enclosure(s): Statements Rules and Regulations Overdraft Notice Overdraft Solutions Cash Banking Brochure

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. 
It is of concern to me that all of my problems with Fifth Third Bank began after filing a complaint with the Revdex.com and the [redacted] concerning matters which took place between myself and Fifth Third Bank. It was shortly after filing my complaints that my dispute against the merchant [redacted] was denied by Fifth Third Bank despite all of my previous disputes against [redacted] were approved along with my dispute against [redacted] being denied despite an exact same dispute previously against a similar merchant approved as well in addition to a fraud block placed on my Access 360, account. It concerns me that Fifth Third Bank has denied these disputes and suddenly without my knowledge placed a fraud block on my Access 360 account without my knowledge after filing complaints against their bank with the Revdex.com and [redacted] which they did not respond to either and were closed in my favor for non response. It also concerns me that Fifth Third Bank and [redacted] would mention my Access 360 account in her reply to the Better Business Burea after not having replied to either the Revdex.com or the [redacted] Protection Agency relating to why their was a fraud block placed on my Access 360 account in addition to Fifth Third Bank holding my funds in that account which I would be more than happy to provide the time line as this happened to me immediately after my complaints were filed against Fifth Third Bank. I would also like to say that neither [redacted] nor [redacted] in [redacted], [redacted] ever responded to my complaints against them with the Revdex.com and were also closed in my favor due to non response. I would also like to add that I filed a complaint against the merchant [redacted] in [redacted], [redacted] with the [redacted] Attorney General's Office Consumer Fraud Department as it relates to their withholding of my tax money and other concerns with their facility which also went unanswered as well. It appears to me and others that I am being singled out and treated subjectively by Fifth Third Bank. Thank you.
Regards,
[redacted]

[redacted] Date: November 9, 2017 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com regarding...

your installment loan. 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 inconvenience this matter may have caused you. We have researched the issue concerning the calls that were made to Fifth Third Bank associated with this matter in an effort to obtain your repossessed vehicle, and deeply regret the difficulties you experienced. However, our records do not indicate that an issue was present with our main phone line. Additionally, we regret the less than quality service you felt you received when calls to various departments of the Bank ended in a voicemail. At Fifth Third Bank 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 this customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. Regarding your ability to obtain your vehicle after the recent repossession, we have found that the Bank had been in contact with you regarding this matter in an effort to prevent this situation from occurring. On July 8, 2017, you were sent the enclosed notice: Important Information About Your Right to Cure Your Default. This document was sent to alert you that the installment loan in question was in default and that it would need to become current to avoid repossession or other activity. Due to continued default activity, the collateralized vehicle was then repossessed on October 19, 2017. On October 21, 2017, the two other enclosed letters were sent to you; these provided details concerning the Bank’s plans to sell the property, as well as your reinstatement options associated with this matter. Due to no process error having been found concerning this matter, the fees in question will not be reimbursed. We regret any additional frustration you experienced associated with the two business day time frame that was taken to obtain your vehicle after you paid the funds to recover it. Please know this is standard processing time and it was not our intention to cause you any hardship. [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: Important Information About Your Right to Cure Your Default Notice of Repossession, Right of Redemption and Right of Reinstatement Notice of our Plan to Sell Property