PROCORPSA

[redacted]Date: November 6, 2015 Account:          [redacted]Regarding Your Business Rewards Credit CardDear [redacted]: We received a copy of your additional complaint filed with the Revdex.com, regarding your Business Rewards Credit Card. We appreciate the time you have taken to document your thoughts and concerns regarding this matter.On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the response conveyed to you in our previous letter sent to the above address on October 28, 2015. Our position on this matter has not changed. As we previously indicated, our records show that we are sending the account statements on a monthly basis to the address listed above, and nothing has been returned to the Bank as undeliverable. If you wish to update the mailing address listed above, please contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET.It should be noted, you have several options available if you wish to review your account balance, including via the ATM (Automated Teller Machine), on the Internet at 53.com, and by calling our automated customer service line at ###-###-####.Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,  April Q.Office of the PresidentPc: Revdex.com

[redacted] Date: October 28, 2016 Regarding [redacted] Mortgage Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com on behalf of [redacted] regarding her...

mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Since you are not a co-signer on [redacted] mortgage loan, we are unable to share any details regarding her mortgage loan with you. Security measures such as these are in place to protect our account holders from potential fraud, and I am sorry for any inconvenience this may cause you. Please be assured we thoroughly researched this matter and sent a detailed response to [redacted]. 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, Elizabeth D.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. 
Regards,
[redacted]
Sirs,Revdex.com.Dear Sirs, my name is [redacted] and my ID [redacted]. By this mean I am responding to your letter of March 29, 2016.It has been impossible for me to get an agreement with the Fifth Third Bank.The truth is I do not want to maintain these indefinite exchange of arguments that lead to no solution.I conclude that the bank does not want to take into consideration the current value of the property. Therefore, I want the bank to be very concrete and respond with absolute clarity to the following questions:1) How much is the amount of the debt right now?2) In what category is the property classified by the bank?3) Why is the property not repossessed by the bank if it considers that    the property is valued $45.000, and I have told them repeatedly     that I am not able to finish paying for it?4) Is it possible that the bank approves a loan without having a    a collateral?, and if the bank took my credit capacity as a collateral,    then what else does the bank want provided that my credit is    completely destroyed?, and has been for years.5) What is the next action the bank wants to take against me. It is    important that I know because things can not continue like this    forever, especially since there are taxes involved in this matter.Thank you very much for your attention.Sincerely,[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. I have attached a document showing the technical error that happen when attempted to assign payments from account ending in [redacted].Instead the bill account paid $670 and $150 from account ending in [redacted].Due to the technical error of the system not saving the appropriate account to pay the billsI am asking for $111 which is 50% of the $222 of the overdraft charges to resolve the matter.
Regards,
[redacted]

They have not contacted me and keep insisting on treating my account as regular checking I had payee account with for over 2 years never got got charged but now I am my own payee I am being charged

[redacted] Date: March 8, 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. We completed a review of the payment history to the mortgage loan account ending in [redacted]. 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. As explained on page four (4) of the enclosed Deed of Trust, the lender may return any partial payment if the payment is insufficient to bring the loan current. Our review of the payments made to the account included the following: ? On November 17, 2015, we received a payment in the amount of $1,600.00. Because these funds were less than the full payment amount due, they were posted to the loan as an unapplied credit. On November 25, 2015, these funds were returned to you via check. Then, on December 7, 2015, we received your request to stop the check and reapply the funds to the loan; however, on December 9, 2015, due to there being no additional unapplied funds on the account, this request was denied. ? On November 25, 2015, we received a payment in the amount of $1,500.00. Because these funds were less than the full payment amount due, they were posted to the loan as an unapplied credit. ? On December 7, 2015, we received a payment in the amount of $1,500.00. Because these funds were less than the full payment amount due, they were posted to the loan as an unapplied credit. On December 8, 2015, the unapplied credits totaling $3,000.00 were applied to the mortgage loan to satisfy the mortgage payment due for November 1, 2015, in the amount of $3,017.30. However, the monthly escrow payment was short by $17.30. ? On December 15, 2015, we received a payment in the amount of $1,600.00. Because these funds were less than the full payment amount due, they were posted to the loan as an unapplied credit. On December 24, 2015, these funds were returned to you via check. We approved your request to stop the check on January 8, 2016, and the funds were reapplied to the loan as an unapplied credit. ? On January 8, 2016, we received a payment in the amount of $1,500.00. Because these funds were less than the full payment amount due, they were posted to the loan as an unapplied credit. On January 8, 2016, the unapplied credits totaling $3,100.00 were applied to the mortgage loan to satisfy the mortgage payment due for December 1, 2015, in the amount of $3,017.30. The remaining $82.70 was applied to the late charges due for the account. ? On January 8, 2016, we received a payment in the amount of $1,600.00. Because these funds were less than the full payment amount due, they were posted to the loan as an unapplied credit. On January 29, 2016, these funds were returned to you via check. We approved your request to stop the check on February 10, 2016, and the funds were reapplied to the loan as an unapplied credit. ? On February 5, 2016, we received a payment in the amount of $1,500.00. Because these funds were less than the full payment amount due, they were posted to the loan as an unapplied credit. ? On February 8, 2016, we received a payment in the amount of $1,600.00. Because these funds were less than the full payment amount due, they were posted to the loan as an unapplied credit. On February 9, 2016, the unapplied credits totaling $3,100.00 were applied to the mortgage loan to satisfy the mortgage payment due for January 1, 2016, in the amount of $3,017.30. This left a remaining balance of unapplied credits in the amount of $1,682.70. ? On March 1, 2016, we stopped the check that was sent to you on November 25, 2015, in the amount of $1,600.00, and reapplied these funds to the loan as an unapplied credit. The unapplied funds were debited $3,045.55, and these funds were applied to the loan to satisfy the payment due for February 1, 2016, in the amount of $3,017.30. The remaining $28.25 was applied to the unpaid late charges for the account. In our review of the payment history, it was determined that, in the interest of customer service, the payments would be backdated to the dates the Bank was in receipt of the full monthly payment amount due. The payments were adjusted as follows: ? The payment in the amount of $3,100.00 was adjusted to November 25, 2015, to satisfy the payment due for November 1, 2015. The payment was applied to the loan as $955.17 for principal, $1,487.24 for interest, $574.89 for escrow, and $82.70 for outstanding late fees due for the account. Because this full payment was received after the fifteen (15) day grace period had ended, a late charge in the amount of $97.70 was assessed to the account. However, in the interest of customer service, this late charge was waived, and the late fee paid in the amount of $97.70 was reapplied to the principal balance of the loan. ? The payment in the amount of $3,036.00 was adjusted to December 15, 2015, to satisfy the payment due for December 1, 2015. The payment was applied to the loan as $957.95 for principal, $1,484.46 for interest, $574.89 for escrow, and $18.70 for outstanding late fees due for the account. ? The payment in the amount of $3,064.00 was adjusted to January 8, 2015, to satisfy the payment due for January 1, 2016. The payment was applied to the loan as $960.75 for principal, $1,481.66 for interest, $574.89 for escrow, and $46.70 for outstanding late fees due for the account. ? The payment in the amount of $3,026.85 was adjusted to February 5, 2015, to satisfy the payment due for February 1, 2016. The payment was applied to the loan as $963.55 for principal, $1,478.86 for interest, $574.89 for escrow, and $9.55 for outstanding late fees due for the account. ? The remaining $173.15 was applied to the principal balance of the loan. Because these payments were adjusted there will be no delinquent reporting sent to the credit reporting agencies. I apologize for any difficulties you experienced when calling the Bank and attempting to resolve this matter. I have also enclosed a copy of the loan payment history for your records and review. It should also be noted that on March 2, 2016, we received your payment in the amount of $3,022.80, which satisfied the payment due for March 1, 2016, in the amount of $3,022.80. Thank you for your patience while we researched this matter for you. It is a well-known fact that no business can survive without its customers, and I want to assure you that we truly value your banking relationship with 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, April Q. Office of the President Pc: Revdex.com Enclosure: Deed of Trust, Loan Payment History

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. I'm still very dissatisfied with 53rd Bank.  They could care less about their customer satisfaction. Do they think an apology is  going to make this a better situation?  They apologized day after day, week after week, month after month while I called to try to get information on my loan. This went on for 4 month. They could care less that I waited 4 months and wasted my savings. Then I was denied for a home loan.  A home loan is a valuable investment.  How dare they continue to make up excuses on why it took 4 months to decline my loan. No company can stay in business that way. No seller is going to let you take 4 months to close on a house. No real estate company is going to sign a contract for 4 months either. The bank here in [redacted] is no longer 53rd Bank.  It's been bought out by [redacted].  It's no wonder they couldn't stay afloat here in [redacted].  What a joke!Sincerely,[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]

[redacted] 
[redacted] 
[redacted] Date: December 31, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com concerning the cashier’s...

check associated with your mortgage loan closing. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. Please be assured we have researched the matter you have brought to our attention, in which cashier’s check number [redacted] for $2,211.00 was not received by [redacted] Bank. Our research on this matter has found that this check was reported as lost, and a new cashier’s check, number [redacted], was issued as a replacement. According to our records, this cashier’s check was then deposited into your Essential Checking account ending in [redacted]. We deeply regret the inconvenience this caused. Additionally, your comments expressing less than quality service you received during the course of your refinance and during the process of obtaining a replacement cashier’s check are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. I want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. Ms. Hofmann, 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

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 company is a burden to consumers, I made a payment on Dec.3 2015 and based on their letter my payment was due on Dec.6, 2015. So again how was I late on my payment. So FIFTH THIRD IS SAYING THAT MY PAYMENT ON DEC. 3,2015 WAS NOT CONSIDERED A PAYMENT, because it was not paid on Dec.6 2015. My statements say that payment is due by the 3rd of the month, so  why on the sixth was my payment considered not paid. This is the magic question, the confusion of  payments with this company is the real problem. I always made my payment by the 3rd of each month, but because they conveniently changed  to then due date to the 6th of every month, WOW!!!  Now this is a problem. Whatever.!!!!! No resolution will come to this matter, this is BIG business and do not care,  THEY  do consumers wrong every day I am sure. they screwed up, and I would never be able to prove they are wrong, not until 100 OR 1000 people have this problem will anyone see this is a BIG CONSUMER problem, with this bank.  How can this business still accrue late fees and interest, on a decision they made to revoke this credit card???? There will never be a reasonable solution, minorities, little people, whatever you call us always get the wrong end of the stick and guess what they continue to get away with it. Thanks for posting it on your web site, because there will be others with this issue, guaranteed.
 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  I have received a letter from Fifth Third that my credit for this claim has been approved. Thank you.
Regards,
[redacted]

[redacted] Date: December 28, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received your email sent to our Board of Directors, are well as your complaint filed with the Better Business...

Bureau regarding your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We were able to confirm that a dispute was filed on October 5, 2017, on a transaction from [redacted] for $181.13 that posted to your checking account on September 29, 2017. We have confirmed that the provisional credit was removed on December 1, 2017. On December 7, 2017, a second (2nd) debit for $181.13 was taken from your account. On December 8, 2017, our [redacted] Banking Center provided a credit for $181.13 to your account until our Dispute Resolution Department was able to issue a credit to your account. On December 13, 2017, our Dispute Resolution Department issued a credit of $181.13 to your checking account. The [redacted] Banking Center removed their credit from your account on December 14, 2017. After your transaction dispute was filed on October 5, 2017, a provisional credit was issued to your checking account on October 25, 2017. A letter was sent to you on October 25, 2017, indicating that the provisional credit was issued. On page two (2) of the letter, we requested that you provide us with a written statement regarding the disputed item. It should be noted that the Bank does not have to receive the written statement from you in order to continue to the dispute process on the transaction. The merchant was able to provide proof that the transaction was valid. A final letter was mailed to you including copies of the merchant documentation for your reference. The letter indicated that the provisional credit was to be removed from your checking account on December 7, 2017; however, we removed the provisional credit two (2) times, as indicated above. Please be assured that we have ensured this matter was reviewed and addressed by the appropriate personnel. We apologize for any difficulty or concern this may have caused you. We strive to provide professional and accurate service to our customers, and again I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W.Office of the President Pc: Board of Directors Revdex.com

[redacted] Date: July 14, 2017 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received copies of the complaints you filed with the Revdex.com and the Consumer...

Financial Protection Bureau concerning your vehicle installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. When the Bank receives an installment loan payment, provided that the loan is not past due for payment, the payment is applied as follows: 1. Current interest payment due 2. Current principal payment due 3. Any outstanding fees owed on the loan 4. Any late charges owed on the loan 5. Extra principal If the loan payments are current, and we receive a payment that is not the regularly scheduled loan payment amount, the payment will be processed and applied in the order listed above, unless we receive instruction from you to apply the payment in question to principal only. If you plan on making additional $100.00 principal payments to loan in the future, there are several options available to you to accomplish this. You can call the Bank after you have made the payment in question and request that the payment be applied to principal only. You can also send the payment to us in the mail using the enclosed principal payment only coupons. If sending a check payment by mail, please be sure to include the full loan number on the check that is being used to make the payment and mail the payment to the following address: Fifth Third Bank PO Box 630778 Cincinnati OH 45263-0778 Our mobile app and our website also allow you to schedule a principal only loan payment. According to our records, you have access your loan information using our mobile app and on our website at 53.com. To make principal only payments online through our website at 53.com, you will need to log in to the website. Once you have logged in to our website, select your loan and click “PAY NOW.” You will be asked from what type of account you are going to make the payment. You will enter your bank’s routing number and click “GO.” The system will ask for the account number and you will click “ADD ACCOUNT.” Select the account you wish to pay from the drop down box. Select the external account you wish to make the payment from using the drop down box. This feature will allow you to direct your payments to regular payments or to principal only payments. Once you verify the information is correct, you will either submit your payment or choose to go back to edit the payment by choosing the “BACK” button. A confirmation screen will display your payment’s reference identification number. For additional information or for assistance, please call our Customer Service Department at ###-###-####. Our Customer Service Department is available to assist you Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday, 8:30 a.m. through 5 p.m., ET. Alternatively, you can call me directly at the telephone number contained in this letter, and I will be more than happy to assist you. I also want to take this opportunity to let you know of an alternative method of making your loan payments. It is a service called Auto BillPayer. Auto BillPayer will automatically transfer monthly payments from a non-Fifth Third checking account to your installment loan at no additional cost. If you set up your loan payments to be paid by Auto BillPayer, you can also instruct Auto BillPayer to make principal only payments. If you are interested, please call ###-###-####, Monday through Friday 8 a.m. to 5 p.m., ET. Alternatively, you can call me directly. Per your request, every $100.00 loan payment beginning with the $100.00 loan payment that we received on June 13, 2016, and ending with the most recent payment that we received on June 13, 2017, has been adjusted so that each of those $100.00 payments was applied as a principal only payment. For verification that the payments have been adjusted per your request, a copy of the loan payment history is enclosed. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President PC: Revdex.com Consumer Financial Protection Bureau Enclosures (2): Principal Payment Only Coupons Loan Payment History 2

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
The notes were incorrect stating that Fifth Third Bank's  insurance department contacted my insurance agent. On the contrary! My agent contacted them on several occasions to try and correct the bank error stating our policy was not effective until May 29,2016. It was Effective the beginning of March,2016 with full comprehensive coverage. I have all payment receipts to my insurance agency  and policy dates to prove my coverage and payments I made each month of $125 to cover myself AND my wife which is not even required. We went the extra mile to pacify this bank. The bank never sent me a copy of proof of letters sent to us in December, Janurary, and March. In March 2016 (I still hold all receipts and documentation and phone recordings to back up my claims and will be providing them to be reviewed as proof) I brought my account up to current status because we had fallen behind on a couple of payments due to hardship and serious life threatening illness of my father which resulted in my wife leaving her job to care for him  and the bank refused to work with us during that time even when we requested an extension of only 5 days for our monthly payment, instead, only adding stress to the situation by demanding full payment or repossession. None the less, we could not keep up and fell behind. That was our fault and we completely take full responsibility for it, however,  in March, we made things right, so we thought, and fully paid all outstanding balances and even sent the payment through [redacted] paying an extra $20 for rush delivery(I have proof with receipts and will provide for review). We asked twice if there were any other grievances on the bank's end that needed to be addressed by us (we recorded this particular call having learned from past experiences with this bank and will be providing it for review as well) and were told twice on two separate occasions, "No Mr [redacted]. This will bring all problems with your account to a close and you may return to your regular payments of $399 monthly and we greatly appreciate the business you bring us." We resumed those payments immediately (receipts on those as well for review) for March and April because we were not told different nor were we sent a new payment booklet as the bank claims until May 2016. In MAY I recieved a payment booklet with payments for $786 monthly. After spending hours on the phone trying to sort this mess out to no avail and told them we never recieved a booklet in March this booklet magically appeared a few days later in our mailbox.  A SECOND payment book was recieved THREE DAYS LATER reflecting the $506 payments as stated in this letter. I still have both envelopes showing the postmark as being mailed 1 day apart on May 30,2016. This bank charged us retroactively after we had brought our account to good standing. They charged us for insurance lapses in December and January and February. They did not charge us until March and when we proved with many many faces direct from our agent in addition to phone calls that she was also spoken poorly to by the Bank's customer service agent, we had current coverage. They told us the insurance was retroactive and even though the time had passed they were going to add a policy for December 2015, Janurary 2016, and Feburary 2016, on March 16,2016 after we were told by customer service agents (names and employee ID are recorded but omitted here for privacy) there was nothing else that needed to be addressed at the beginning of March! I asked if they would cover damage that occurred during that time period and they replied yes. It so happens there was damage by a hail storm in the amount of $3,717 that we would have to pay out of pocket and asked if we could file a claim. They Athens changed their tune and the dates they were charging us for. They saw an opportunity to make an extra $2300 on our loan despite the fact that they did not catch it until March 2016. We then recieved a letter IN WRITING a couple of weeks ago that said in fact the insurance charges were only for March, April, and May2016. Convenient is it not? So which is it?December-May as stated in this letter, or March-May as stated in the latest letter we recieved in the mail last week? We have come to an impass with this financial institution with their unwillingness to correct their mistake and continue to fabricate the dates that fit their claims to squeeze excess money from us, while ruining my credit in the process and preventing us from our first home purchase and, also, so that I am unable to refinance with a different financial institution who does not have a reputation of misleading their customers, who are crude when they call, who willfully and maliciously attack customers they know are in an impossible situation. They charge you just enough that it would be cheaper to pay them than an attorney to fight them in court. They want you to fail. They want to squeeze every last dime from you until they bleed you dry and can not get any extra funds from you and then take your property so they profit off some other poor unsuspecting soul. Please do your research before using this bank! The information is out there! All you have to do is a simple Internet search for customer reviews on car loans with Fifth Third Bank and look at their [redacted] page in the comments! There are countless customers who have been scammed in the same fashion and manor as we have been. We didn't do our research. We just saw a low interest rate and jumped on it. We've paid double that interest rate by now.  We have hired an attorney who is starting proceedings to address this insurance scam and breach of contract on the bank's part in a civil court and also sending the complaints to [redacted] State Attorney General, [redacted], to assist us in the investigation of Fifth Third Bank's practices and to see if he can take action against them as well. We are paying the amount they are demanding, since they are ruining my credit and sent a repossession man to our place of business today, and seeking reimbursement for this and whatever else our attorney seems suitable plus attorney fees in court. I would rather pay an attorney and lose that money than let this bank to continue to Harris us for the remainder of the loan which is roughly 3 more years. All further communication with Fifth Third Bank and myself will be through our lawyer whose name is omitted to protect privacy.
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.  For your reference, details of the offer I reviewed appear below.I did get a call a few days ago from someone at Fifth Third Bank.  I also got a email response from Fifth Third Bank on 10:03 at 12:07pm (eastern Standard time).  This email that I have attached came in at 9:30 pm eastern standard time, so I'm still getting emails.  I did contact Experian to check my credit report and it was good.  I'm not sure if this email slipped through the cracks being that the emails came on the same day.  Please look into this because I'm not sure as to where this email is coming from.

Below is our response to the customer. In addition to the response attached above and the credit card agreement attached above, eight (8) statements from credit card statement ending August 12, 2015 through credit card statement ending March 12, 2016 being sent to the customer in the...

mail. [redacted]       Date: March 25, 2016       Account:      [redacted]Regarding Your Fifth Third Platinum [redacted]Dear [redacted]:We received a copy of the complaint you filed with the Revdex.com regarding your credit card account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that our senior and executive management teams review customer concerns as part of our ongoing commitment to improving our customers’ satisfaction.On January 6, 2005, the Bank received and approved your application for a Fifth Third Platinum [redacted]. Upon approval of your credit card account, your card and credit card agreement were mailed to you. For your review and convenience, a copy of the most recent version of the credit card agreement currently in effect for your account is enclosed.On August 12, 2015, the Bank sent your credit card statement indicating a minimum payment of $375.00 due by September 9, 2015. I have enclosed a copy of this statement for your records. The Bank did not receive a payment by September 9, 2015. Therefore, on September 10, 2015, a late charge of $25.00 posted to your credit card statement. The next credit card statement was generated on September 11, 2015, indicating a minimum payment of $1,035.16 due by October 9, 2015. Included in this payment is a past due amount of $375.00. I have enclosed a copy of this statement for your records. On October 9, 2015, the Bank received and posted your credit card payment for $400.00. However, this payment was not enough to satisfy your minimum payment due; therefore, on October 12, 2015, a late charge of $35.00 posted to your credit card statement. The next statement was generated that same day, indicating a minimum payment of $981.90 due by November 9, 2015. Included in this payment is a past due amount of $376.00.  I have enclosed a copy of this statement for your records.On November 9, 2015, the Bank received and posted your credit card payment for $400.00. However, this payment was not enough to satisfy your minimum payment due; therefore, on November 10, 2015, a $35.00 late charge posted to your credit card statement. On November 12, 2015, your next credit card statement was mailed to you, indicating a minimum payment of $1,130.19 due by December 9, 2015. The Bank did not receive a payment by December 9, 2015.  Because you had missed two or more consecutive minimum payments, on December 22, 2015 the Bank revoked the ability to make debit transactions. Please note because your account has been revoked, you are not able to make payments online. We did verify that you contacted our Hardship Department on December 19, 2015 to set up a repayment plan. You were advised to make payments of $163.00 per month for twelve months. Our agent was able to schedule four monthly payments for you at that time through starting on January 8, 2016 and ending April 8, 2016. However, you will need to contact the Collection Department to set up future payments. The Collection Department phone number is ###-###-####. A customer service representative is available Monday through Friday, 8 a.m. to 9 p.m.; Saturday and Sunday, 8 a.m. to 5 p.m., ET.Enclosed are your statements for December 2015, January February and March 2016. Please note on the enclosed statements, the mailing address for your credit card account is the same address on your Revdex.com complaint. We sincerely apologize if you have not received your credit card statements.We have completed our review of the payment history reporting on your credit report for your Fifth Third Platinum [redacted]. Our review determined that the information provide to the credit reporting agencies is accurate. If you would like to contact the credit reporting agencies directly, their contact information can be found below:• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####We strive to provide professional and accurate service to our customers, and apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ETSincerely,  Patrick S.Office of the PresidentPC: Revdex.com

I received notification from 53 representative on 8/18 that 53 pays the larger amount first instead of paying the smaller first. The phone call was recorded. The representative admitted that is the process.  Additionally, 53 bank was involved in a class action law suit regarding this practice. I received a letter indicating  regarding this class action outcome  The $259.00 overdraft reversal was due to identity fraud case in [redacted] in November that 53 caught the transaction.  It concerns me that Elizabeth is making the case that 53 generously reimbursed $259.00 in overdraft fees this year for me and did not mention the identity fraud issue. Please reverse tge overdraft fees. I have been a long term with this bank. I am really considering other banking options. I am extremely disappointed about this situation....

[redacted] [redacted] [redacted] Date: August 7, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your checking...

account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Thank you for taking the time to speak with me about the account and your concerns. I was able to complete additional research to address the situation, and explain the series of events involving the fraudulent checks deposited to your checking account. Enclosed is a copy of the Rules and Regulations applicable to your checking account. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately. The remaining funds will be made available on the next business day. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday or a Federal Holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal Holidays. Deposits received after certain cut-off times may be credited as of the next business day. On July 15, 2017, you deposited a $4,989.00 check to your checking account ending in [redacted]. The first (1st) $100.00 from the deposit was made available for use. Because the deposit was made on a Saturday, the day of deposit was the following Monday. The full funds from the deposit were available for your use on Tuesday, July 18, 2017. The funds were made available per our standard Funds Availability Policy as outlined in the Rules and Regulations. I understand that when you deposited the check, the teller had a manager review the check before processing it. I confirmed that the teller who processed the check was unsure of its validity so she had a manager review. They had wanted to place an extended hold on the check to ensure the check was valid. However, there was no applicable reason per Federal Regulation to place an extended hold on the check. As a result, no hold was placed and the funds became available per our Funds Availability processing. On July 19, 2017, you deposited a $9,989.00 check that you stated was sent to you by the same person who sent you the $4,989.00 check. Per Federal Regulation CC, we were able to place a hold on the check amount above $5,000.00. Enclosed is a copy of the hold notice that we issued. The banking center confirmed that you returned approximately an hour later with another $9,989.00 check. They asked you about the checks. You explained that the checks were from a job you started that paid $20,000.00 to begin with in order to buy materials before the job started. This information alerted the teller that the checks were possibly fraudulent. She contacted our Bank Protection Department, who confirmed the checks were fraud. The Bank Protection Department then placed holds on your Fifth Third Bank accounts to prevent additional account activity. The $4,989.00 check was returned unpaid on July 20, 2017, for being an altered or fictitious item, so the funds were removed from your account. However, you had already utilized the funds. The $9,989.00 check, from which you utilized $100.00, was returned unpaid for the same reason on July 24, 2017. As a result, your checking account became negative. As of July 31, 2017, the balance in your checking account ending in [redacted] is negative ($5,118.61). Due to the activity on the account, the Bank has made the difficult decision to end our banking relationship with you. As a result, your checking accounts with the Bank will be closed. A copy of the closure letter sent to you is enclosed for your review. Please note that the closure does not affect your Access 360° account. However, the Access 360° account will be subject to the $4.00 monthly fee after your checking accounts are closed. Enclosed is a copy of the Access 360° Cardholder Agreement. If you would like to close the Access 360° account, please call ###-###-####. Representatives are available to assist you seven (7) days a week, twenty-four (24) hours a day. You have advised that you were not aware the checks you received were fraudulent, and I apologize for the distress this situation has caused. Please note that customers are responsible for negative balances in their checking accounts for returned deposits. Page two (2), section six (6), of the Rules and Regulations states that if a deposited item is returned unpaid for any reason, the customer is liable to the Bank for any loss, regardless of any confirmation of availability of funds done by Bank. For this reason, you will be responsible for repaying the negative balance to the Bank. If you are unable to make a deposit to cover the overdrawn balance before the account is closed, we will charge off the negative balance and may report the information to the intra-bank reporting agency ChexSystems. We may also report information regarding the account activity to Early Warning Services. The Bank may also contract a third (3rd) party collection agency to attempt to collect the debt on our behalf, or we may also sell the debt to a collection agency. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Rules and Regulations, Access 360 Cardholder Agreement, Account Closure Letter

[redacted] [redacted] [redacted] Date: February 27, 2018 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your installment 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 level of service you received from our Customer Service Department when you requested a payoff for your loan ending in [redacted]. 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 concerns are 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. We have completed a review of your account ending in [redacted]. Our records indicate that the vehicle associated with the loan was repossessed on February 1, 2018. On February 2, 2018, we received a payoff in the amount of $1,753.61, which paid the loan in full. Although it can take up to two (2) business days for the release of a repossessed vehicle to be processed, I have confirmed that your vehicle was successfully redeemed on February 2, 2018. Please be assured that this wait time is not meant to cause any frustration but rather to ensure that the proper documentation has been filed and received before the vehicle is released. 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, Jennifer M.Office of the President Pc: Revdex.com

[redacted] Date: July 3, 2017 Account: [redacted] Regarding Disputed Transactions 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. You disputed two (2) transactions that posted to your [redacted] Reloadable Prepaid Card ending in [redacted]. We opened Case # [redacted] for a purchase of $42.82 at [redacted] restaurant. There was a processing delay in issuing a provisional credit to you for this item and the provisional credit of $42.82 was issued on June 27, 2017. It was not our intention to cause you any hardship and I apologize for any inconvenience this may have caused you. Based upon the information you provided within your complaint dated June 20, 2017, we opened Case # [redacted] for a purchase of $35.00 at [redacted]. The provisional credit for this item was issued to the card on June 26, 2017. The merchant has a specific time interval in which to respond and prove that the charge is valid. The provisional credit either becomes permanent or is removed depending upon the merchant’s response. We strive to resolve all investigations as quickly as possible and will communicate the results of the investigation in writing once our research is complete. Our [redacted] Reloadable Prepaid Cards have a dedicated Customer Service Team that can be reached directly toll-free at ###-###-####. They are available twenty-four (24) hours a day, seven (7) days a week if you have additional questions regarding this matter. 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