PROCORPSA

[redacted] Date: June 23, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Essential...

Checking account. We appreciate the time you have taken to document your thoughts and concerns. We completed a review of your Essential Checking account ending in [redacted]. Our records indicate that the initial request to have the savings account ending in [redacted] set as Overdraft Protection for the checking account was on June 7, 2016. We were unable to locate a previous request to set this savings account as Overdraft Protection for the checking account. It should be noted that our records indicate that the Relationship Savings account ending in [redacted], which was closed on September 30, 2011, was previously set as the source of Overdraft Protection for the checking account. We also completed a review of the overdraft fees assessed to the account. Our review determined that there was no Bank error in assessing the fees to the account. Although there was no error, in the interest of customer service, on June 7, 2016, the Bank reversed $74.00 of the fees that were assessed to the account. Please note that this is the maximum that we are willing to reverse when there is no Bank error. I have enclosed copies of these overdraft notices for your review. As explained on these overdraft notices, the account had Overdraft Protection, but there were insufficient available funds in the savings account ending in [redacted] to cover the items that were presented. Because there was no Bank error in assessing the fees to the account, we are unable to accommodate your request to reverse additional overdraft fees. I apologize for any difficulties you experienced when discussing this matter with the Bank. 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: Overdraft Notices

[redacted] [redacted] [redacted] Date: December 23, 2015 Regarding Your Recent Call to the Bank Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your recent call to the Bank about [redacted] credit card 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 condolences for your loss. I am sorry for for the level of service you received when you contacted the bank regarding your father’s credit card account on December 16, 2015. Please be assured that Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your complaint, we researched this matter and reviewed the recordings of the calls. I want you to also know that customer feedback is reviewed by our senior management as part of our ongoing commitment to improving our customers’ satisfaction. However, I cannot inform you of any specific internal actions that may have been taken at this time. 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.   
The file attachment was unreadable (not a valid .pdf).  Furthermore, I contacted the City/County of [redacted] for verification but they have no record of receiving either the alleged recording fee or of the release of the mortgage lien on my home.
Regards,
[redacted]

[redacted] Date: February 26, 2018 Account: [redacted] Regarding Your Fifth Third Bank Gift Card Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your Fifth Third Bank Gift Card. 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 concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. [redacted], please be assured that we take your feedback regarding the level of service you received very seriously. As our enclosed previous response dated February 14, 2018, explains, your feedback was forwarded to the appropriate parties within the Bank, however, we are unable to share with you the details of any specific internal actions that may take place. I have also enclosed the letter dated January 22, 2018, which acknowledged claim number [redacted] for the transaction in the amount of $87.89. As this letter explains, it may take up to ninety (90) days to resolve this claim for you. Once the claim is finalized, a letter will be mailed to the above address. If you have any additional questions or would like to receive a status update on your claim, please contact the Chargeback Services Department at telephone number ###-###-####. 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, Jennifer M.Office of the President Pc: Revdex.com Enclosures: Previous Response, Letter Dated January 22, 2018

[redacted] 
[redacted] 
[redacted] Date: May 10, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding the...

fees charged to your business checking account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. We value your relationship with Fifth Third Bank and appreciate the opportunity to respond to this matter. Your comments expressing less than quality service are very concerning and I regret the difficulties you have encountered regarding your account. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. If the available balance in your business checking account is not sufficient to cover items that post to your account, the posted items may be returned unpaid and subject to overdraft fees. If an account becomes overdrawn, we assess a $37.00 overdraft fee for each item that posts while the account is overdrawn. An overdraft notice that details how your account became overdrawn is sent to the address on file and is also available on *3.com. In addition, an $8.00 daily overdraft fee is assessed when the account remains overdrawn for five (*) days. This fee is charged for every calendar day the account has been overdrawn and it may continue to be assessed until the account returns to a positive balance. I have enclosed a copy of our Rules & Regulations handbook that you received and agreed to when the signature card was signed at your account opening. Pages five (*) and six (6) provide information regarding fees applicable for our business accounts. On April 18, 2016, the beginning balance in your business account was $172.96. Six (6) withdrawals totaling $216.31 posted to your account creating an ending balance of negative ($43.3*). Since your checking account balance was not sufficient to cover one (1) transaction that posted, the Bank charged your account one (1) overdraft fee of $37.00 the following business day. I have enclosed a copy of the overdraft notice that was mailed to you on April 19, 2016. This notice provides additional detail regarding the transactions that posted to the account and the fee that was assessed. On April 19, 2016, the beginning balance in your business account was negative ($43.3*). Three (3) debits totaling $60.21 posted to your account creating an ending balance of negative ($103.*6). Since your checking account balance was not sufficient to cover the three (3) transactions that posted, the Bank charged your account three (3) overdraft fees of $37.00 the following business day. I have enclosed a copy of the overdraft notice that was mailed to you on April 20, 2016. Your checking account balance has remained negative while additional items continued to post to the account causing additional overdraft fees. The account has also been charged daily overdraft fees of $8.00 each. The checking account has been charged for each day it has been overdrawn. To avoid paying additional fees, a deposit will need to be made to the account to bring the account positive. As of today, the balance in your business checking account is negative ($782.26). It is important to ensure that your account has enough funds to cover all of the transactions you have authorized. As a valued customer, we have reversed a total of $111.00 in overdraft fees to your account within the past month. Therefore, we are unwilling to waive any additional fees, as you have requested. After reviewing your account, it was determined that you do not have overdraft protection set up for this account. For a business account, Overdraft Protection can be connected to a Fifth Third Bank business savings account or business credit card to cover items that overdraw your checking account. With Overdraft Protection, you will be charged one (1) Overdraft Protection transfer fee of $12.00 instead of an overdraft fee of $37.00 for each item that overdraws your account. If you would like more information about Overdraft Protection for your business account, please contact your local Financial Center or contact our Consumer Contact Center at ###-###-####, Monday through Friday, 7 a.m. to 10 p.m. EST, or Saturday, 8:30 a.m. to * p.m. EST, to setup Overdraft Protection for your business checking account. It was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. You are a valued customer and we look forward to serving your financial needs in the future. If I can be of any further assistance, please contact me at ###-###-####, or toll free at ([redacted]) [redacted], Monday through Friday, 8 a.m. to 6 p.m., EST. Sincerely, Lisa S. Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosure: Rules and Regulations handbook, Overdraft Notices

[redacted] Date: July 6, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com (Revdex.com) regarding your...

Fifth Third Bank checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience matter may have caused you. A checking account becomes dormant after a period of inactivity of twelve (12) months. Inactivity means there has been no deposit into or withdrawal from the account. Should a checking account become dormant due to inactivity, a fee of $5.00 is assessed to the account until activity has resumed on the account. Additionally, monthly periodic statements will not be sent until a transaction posts to the account and removes the dormancy. While the account remains dormant, statements will be generated annually in December. This information is disclosed in the Rules and Regulations provided to all customers when opening their accounts. I have enclosed a copy of our current Rules and Regulations for your convenience. Please refer to page six (6) regarding dormant accounts. On August 17, 2015, you opened a checking account ending in [redacted] with a $50.00 deposit. After twelve (12) months of inactivity, your account was considered dormant. You were made aware of the dormant status on your August 2016 statement. The statement contained the following message: OUR RECORDS INDICATE THAT YOUR ACCOUNT HAS HAD NO ACTIVITY FOR SOME TIME AND FOR YOUR PROTECTION IT IS NOW CONSIDERED DORMANT. A FEE OF FIVE DOLLARS MAY BE ASSESSED MONTHLY UNTIL ACTIVITY IS RESUMED ON THIS ACCOUNT. BY MAKING A DEPOSIT TO OR WITHDRAWAL FROM THIS ACCOUNT THE DORMANT STATUS WILL BE REMOVED AND FEES WILL NO LONGER BE INCURRED. FOR ADDITIONAL INFORMATION, PLEASE VISIT A LOCAL BANKING CENTER OR CONTACT OUR CUSTOMER SERVICE PROFESSIONALS AT ###-###-#### MONDAY THROUGH FRIDAY, 7 A.M. TO 8 P.M.; SATURDAY, 8:30 A.M. TO 5 P.M. ET. I have enclosed copies of the statements we sent to you at the mailing address on file, including the August 2016 statement, for your review. Please note that the mailing address on the statements is the same address you listed on your complaint. While your account remained dormant, a $5.00 dormant account fee was assessed to your account each month. When the last dormant account fee of $5.00 brought your account to a zero (0) balance, we closed your account on June 1, 2017. It was certainly not our intention to cause you any hardship. However, the dormant account fees were properly disclosed to you and were not assessed in error. Therefore, we are unable to return your initial deposit of $50.00 or any other portion of the balance. I am sorry for any frustration this may cause you. Thank you for your patience while we conducted our research. 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 Enclosures: Rules and Regulations, Statements

Account still has overdraft charges.

[redacted] Date: November 9, 2017 Account: [redacted] Regarding Your Checking 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. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. You received a credit of $30.00 for a disputed item on March 13, 2013. The account remained in use and became overdrawn by ($28.64) on April 4, 2013. The account remained overdrawn until it was charged off with a negative balance of ($65.64) on May 30, 2013. The account was sold to [redacted] for ongoing collection efforts on December 16, 2013. [redacted] has since gone out of business and they may have sold the acquired debt to another collection agency. If you are contacted by a collection agency, you may request further validation of the debt in question. After reviewing your concerns, we stand by the response provided to you in the correspondence dated October 26, 2017, that was mailed to the above address. Specifically, we confirmed that the information provided to [redacted], a consumer reporting agency for deposit accounts, was accurate. However, as a courtesy, we have removed the reporting. In addition, there is no information in Early Warning Services, a consumer reporting agency for deposit accounts, associated with this account. I have enclosed a copy of it and the documents it references. We also appreciate that you chose to open a new checking account with us on November 3, 2017. We searched our records and did not find where you applied and were denied for a savings account. If you would like to apply for a savings account, you can apply online at 53.com, visit a Banking Center or call New Accounts at ###-###-####. Service Professionals are available to assist you Monday through Friday from 8 a.m. to 8 p.m., and Saturday from 8 a.m. to 5 p.m. ET. 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: Previous Response Letter from the Disputes Department Overdraft Notice Last three (3) Account Statements

[redacted] Date: November 15, 2016 Account: [redacted] Regarding Your ATM Deposit Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding a...

deposit you made at a Fifth Third Bank ATM (Automated Teller Machine). We appreciate the time you have taken to document your thoughts and concerns regarding this matter. I also want to thank you for taking the time to speak with me regarding your complaint. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with the ATM deposit you made on September 10, 2016. It was certainly not our intention to cause you any hardship. We strive to provide exceptional service to our customers, and I am sorry that was not your experience. 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. As we discussed during our telephone conversation, after receiving your complaint, our ATM Escalations Department reinvestigated your dispute. Their research determined that your deposit of $170.00 was rejected when the ATM went down on the day of your deposit, so the ATM did not show that it was out of balance. Unfortunately, when your dispute was initially investigated the [redacted] Bank Mart did not check all of the reject bins in the ATM. On November 10, 2016, during the reinvestigation the Bank Mart located your deposit of $170.00 in a previously unchecked reject bin in the ATM. We truly regret that we did not fully investigate your dispute during our initial investigation, and I am sorry for any frustration or distress this may have caused. After locating the deposited funds, we credited $170.00 to your checking account ending in [redacted] on November 10, 2016. The funds will be available after our overnight processing. 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 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.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

[redacted] Date: November 4, 2016 Regarding Your Privacy Concerns Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your privacy concerns. 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 distress you experienced when you received a call from Alexis S., Personal Banker, on October 20, 2016. We certainly did not intend to cause you any hardship. Our records show that because you opted out of marketing communications and information sharing on May 10, 2016, the call was made in error. Please be assured that Fifth Third Bank takes protecting your personal information very seriously. In order to better ensure that you do not receive future marketing calls, we have placed notes on your profile indicating that you do not wish to receive these calls that will be visible to all employees in the Bank. Thank you for your patience while waiting for a response. 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 D.Office of the President Pc: Revdex.com

[redacted] Date: October 4, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

your mortgage 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 this matter may have caused you. After a thorough review, we submitted an update all four (4) credit reporting agencies to remove the delinquency that was reported for July 2016. Please allow thirty (30) days for the credit reporting agencies to update their reporting. If you would like to contact the credit reporting agencies directly, their contact information is listed below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### Thank you for your patience while we conducted our research. 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, Elizabeth D.Office of the President Pc: Revdex.com

[redacted], I have reviewed the second rebuttal complaint submitted by [redacted] concerning the $400.00 promotional credit for her business checking account. We stand by our prior responses dated November 2, 2015 and November 16, 2015. Our position on this matter has not changed and we are not willing to provide [redacted] with the promotional cash bonus because her account did not meet the requirements to qualify. We consider this matter closed and no additional correspondence regarding this issue will be sent.   Thank you, Danielle. S. | Fifth Third Bank Consumer Resolution Specialist | Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263(:###-###-####7: ###-###-#### *: [redacted]

[redacted]Date:
June 22, 2015Account:     [redacted]Regarding Your Essential
Checking AccountDear
[redacted],We received a copy of the
complaint you filed with the Revdex.com concerning your...

Essential
Checking account. We appreciate the time you have taken to document your
thoughts and concerns.On behalf of the Bank, please accept my sincere apologies for any
inconvenience or frustration this matter may have caused you. Please be assured
we have researched this matter fully, and passed on your concerns to the
relevant parties within the Bank. I also want you to know that customer
concerns are reviewed by our senior and executive management teams as part of
our ongoing commitment to improving our customers’ satisfaction.To maintain the security of your account, I am sending this letter
to the mailing address we currently have on record for you. I noticed that the
address you use in your complaint is different. According to our security
protocols, I cannot update your mailing address based upon your complaint. I
encourage you to call customer service to make sure your address is properly
updated. They can be reached at ###-###-####, Monday through Friday, 7 a.m. to
8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET.We completed our review of the Essential Checking account ending
in [redacted], and the transaction you are
requesting to dispute from [redacted] that posted to your account on June 15,
2015, in the amount of $528.29. In our review of your phone calls with the
Bank, you mentioned that [redacted] billed you for an early cancellation fee and
non-returned equipment. As previously communicated to you, in order to dispute
this transaction, you would need to return the equipment to [redacted]. Once the
equipment has been returned to the merchant, you can contact our Disputes
Resolution Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.,
and Saturday 8:30 a.m. to 5 p.m., ET. Please note, as referenced in your
complaint, and previously communicated to you, the Bank does not have a
contract with [redacted] that is preventing you from disputing the transaction. I
am sorry for any misinformation you may have received.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.[redacted]Office of the President

Revdex.com:
My attorney and 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 owner of my local [redacted] Insurance branch personally wrote the bank a letter yesterday July 21,2016 and faxed it immediately which directly showed I did indeed have full comprehensive and collision insurance from March-May2016. I sent a full payment to Fifth Third Bank yesterday despite the fact that my insurance agent sent this letter. My grandmother (co-owner) was told they could still repossess my car despite the fact I had paid cash through same day delivery [redacted], because, it takes them up to 3 days to do their job and clear it from the system and if the car was picked up in that time I would have to pay an addition $400-$700 in tow fees to get my car back even though it was their end not working fast enough. They will be given one last opportunity to correct the mistake and apply the money recieved from me($1,500) which included 4 payments at the bank's inflated rate for insurance through [redacted] yesterday to my future loan payments and all payments returned to the original contract price at the purchase date.
Regards,
[redacted]

[redacted] Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your 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 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. We have completed a review of your account ending in [redacted]. I have enclosed a copy of our Deposit Account Rules and Regulations, which details the order in which transactions post to your account on page fourteen (14). I have also enclosed the Overdraft Notice dated March 16, 2018. As we discussed by telephone, page two (2) of the Overdraft Notice shows the order in which the five (5) transactions posted to your account on March 15, 2018. As these transactions were all time-stamped debits, they posted in order from the oldest transaction to the newest. Please note that this time-stamp indicates the time that the merchant presented the item for payment and the Bank is unable to adjust the time-stamp. As the beginning balance in your account on March 15, 2018, was $31.63, the oldest transaction of $69.88 caused the account to become overdrawn. As a result, that transaction and the following four (4) transactions were each assessed overdraft fees of $37.00 each. We have been unable to locate any errors with either the posting order of these transactions or the assessment of these fees. I have also enclosed your Overdraft Notice dated March 19, 2018, which details the transactions that posted to your account on March 16, 2018. As these two (2) transactions posted to the account while the balance was negative, two (2) additional overdraft fees in the amount of $37.00 were assessed to the account. Our records indicate that we reversed overdraft fees totaling $74.00 on December 28, 2017, as a courtesy to you. As a result, we are not willing to waive additional fees at this time. We regret any difficulty this may have caused 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, Jennifer M.Office of the President Pc: Revdex.com Enclosures: Deposit Account Rules and Regulations, Overdraft Notices

[redacted] Date: August 25, 2017 Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your...

Fifth Third Bank Essential checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning. We strive to provide accurate and professional service to our customers and I regret if this is not the level of service you received. On behalf of the Bank, please accept my sincere apology for any inconvenience or frustration this matter has caused you. 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. Overdraft Protection is a service where we link your checking account to a Fifth Third Savings account, line of credit, or credit card. If your account becomes overdrawn, available funds from one of those accounts will automatically transfer to your checking account and a one-time $12 transfer fee will be assessed. Your letter complaint mentioned that you had Overdraft Protection, but I have confirmed you are not currently enrolled in Overdraft Protection or have a secondary account to link to your checking. An additional service offered is Overdraft Coverage. You have the option of enrolling in Overdraft Coverage for Automated Teller Machines (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 at the Bank’s discretion: ** 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 accept 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 debit card transactions that posts to the account while it has a negative balance. Please find enclosed a copy of the last six (6) checking account statements for your review. Please note as of August 23, 2017, your account had a negative balance of ($648.69). In addition, the account has been overdrawn for forty-seven (47) consecutive days. If the account remains overdrawn for fifty-five (55) consecutive days, the Bank may charge off the account and send the debt for collection. The negative account information may be provided to ChexSystems, a debit bureau reporting agency. 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, subject to 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. I have enclosed a copy of our current Rules and Regulations for your review. Please refer to pages thirteen (13) through sixteen (16) for additional information regarding account overdraft calculation, Overdraft Coverage and Overdraft Protection. 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. Upon receiving your complaint, we have researched your most recent overdraft occurrence. In addition to the last six (6) checking account statements, please find enclosed copies of the overdraft notices mailed to your attention. The overdraft notice is mailed to customer’s to alert them to the negative ending balance in your checking account and also to alert you to any possible fees that may be assessed based on the activity in your checking account. On July 6, 2017, the ending balance in your checking account was $89.52. On Friday, July 7, 2017, six (6) debits posted to your checking account in the following order: ** July 6, 2017, 11:35 PM Merchant Payment $10.05 Paid No fee ** July 7, 2017, 12:40 AM Jeanie Withdrawal $80.00 Paid $37.00 fee ** July 7, 2017, 1:45 AM Merchant Payment $1.00 Paid $37.00 fee ** July 7, 2017, 12:08 PM Merchant Payment $4.28 Paid $37.00 fee ** Non 5/3 Cash Withdrawal fee $2.75 Paid ** Non 5/3 Balance Inquiry fee $2.75 Paid As noted in the enclosed overdraft notice dated July 10, 2017, the ending balance in your checking account on Friday, July 7, 2017, was negative ($11.31). The three (3) overdraft fees assessed on July 7, 2017, posted to your checking account the next business day, Monday, July 10, 2017. In addition to the $111.00 overdraft, fees that posted to your account on July 10, 2017, eleven (11) debits posted to your account. The ending balance in your checking account on Monday, July 10, 2017, was negative ($452.69). As a result of the negative balance and the transactions posting to your account on July 10, 2017, you were assessed $185.00 in overdraft fees on July 11, 2017. The ending balance in your checking account on July 11, 2017, was negative ($637.69). An $11.00 monthly service charge posted to your account on August 7, 2017, which resulted in the current negative balance of ($648.69) in your checking account. Although the above overdraft occurrences and associated fees were not the result of a bank processing error, I have reversed $74.00 in overdraft fees as a courtesy to you. These funds are immediately reflected in your balance. Additionally, you mentioned in your complaint that you were upset about the multiple emails and texts notifying you of your low balance or overdraft occurrences. You have the ability to change your alert preferences any time by logging on to your Online Banking or Mobile App. I have confirmed you are currently enrolled and opted in to the following account alerts: ** Mobile App and Email Low Balance alerts when your available balance is below $6.00 ** Mobile App and Email Purchase alerts for all card purchases above $100.00 ** Mobile App and Email Transaction alerts for all online, phone, or mail purchases ** Email alerts for Overdraft Notices In researching your concerns, we were unable to determine a credit that incorrectly posted to your checking account. If you can provide additional information regarding the posting error, please provide the documentation to me at the following address: Fifth Third Bank 5050 Kingsley Drive MD: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax the documentation to my attention at ###-###-####. Upon receiving the documentation, I will be happy to research and respond to your concerns. 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, Sarah S.Office of the President PC: Revdex.com Enclosure(s): Statements, Rules and Regulations, Overdraft Notice

[redacted] 
[redacted] Date: June 24, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, regarding a payment for your...

installment loan account. We appreciate the l time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured the Bank takes this issue very seriously and expects that each customer will be treated in a respectful manner when they contact the Bank. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. On June 4, 2010, your installment loan was opened with the Bank. The loan term for your account was seventy-two (72) months. The first payment of $274.70 was due on July 19, 2010. As a result, the maturity date for your installment loan was June 19, 2016. Your installment loan is considered past due for payment if we do not receive your total monthly payment by the due date indicated on your contract. The final calendar day of your grace period for the loan is not considered the due date for your payment obligations. The grace period indicates when a late charge will actually be assessed to your account for a past due payment. There is a ten (10) day grace period on the account, with a late charge assessed if the payment is not received prior to the end of the grace period. Your payment habits affect the amount of interest and late fees paid over the life of your installment loan. If payments are posted late during the seventy-two (72) month term of your account, then late fees are assessed to the account and you may pay more in interest over the life of the loan. Since a smaller amount of your payments were applied to the principal balance, there may be a larger final payment due to late fees paid and additional interest charged. On May 19, 2016, a payment in the amount of $274.70 was due for your installment loan. The final payment notice dated May 25, 2016, indicated that $608.15 was due by June 19, 2016. This amount included previously assessed but unpaid late fees of $14.22 and your payment for May 2016 since it had not been received as of the final notice date. On May 26, 2016, a payment in the amount of $274.70 was posted to your installment loan. This amount satisfied the payment due for May 2016. It should be noted that a late fee was not assessed for this payment since it was received within your grace period. As of June 22, 2016, the payoff amount due for your installment loan is $332.52. A breakdown for this amount is as follows: ** $316.86 Principal balance ** $1.44 Accrued interest ** $14.22 Unpaid late fees The daily interest charge for your installment loan is $0.05. In order to obtain an updated payoff amount, you may contact our Customer Service Department at ###-###-#### and use the Integrated Voice Response (IVR) automated system. Copies of your payment history, security agreement, final payment notice and written payoff quote are enclosed for your review. Mr. [redacted], please be assured that it was not our intention to cause you any hardship or frustration. 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, Danielle S.Office of the President Enclosure(s): Payment history, Security agreement, Final notice, Payoff quote Pc: Revdex.com

[redacted] Date: February 9, 2016 Account: [redacted] Regarding Your Fifth Third Bank Business Standard Checking Account Dear [redacted]: We received your rebuttal to our initial response to your complaint filed with the Revdex.com, concerning the recent cash bonus promotion. We appreciate the time you have taken to express your concerns regarding this matter. Your original complaint was filed on February 1, 2016, dated February 1, 2016. We received your rebuttal to our response on February 9, 2016. However, we stand by the response conveyed to you in the previous letter sent on February 8, 2016. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. As mentioned in our original response, the $400.00 promotional cash bonus offer had the following requirements: 1. Open a new Fifth Third Bank business checking account before November 20, 2015 2. Make five (5) or more debit card transactions in the first sixty (60) days. 3. Maintain an average balance of $5,000.00 for the first sixty (60) days. On November 9, 2015, you visited the [redacted] Banking Center and opened a Business Standard Checking account. You did complete more than five (5) debit card transactions. However, your average balance was not above $5,000.00 for the first sixty days. The account opened with a zero balance for the first ten (10) days. Your initial and only deposit was on November 20, 2015. Therefore, this account did not qualify for the $400.00 promotional cash bonus.  I hope this correspondence cleared up any outstanding questions you had related to this issue. If I could be of further assistance to you, please contact me directly at 513-358- 2985, or toll free at ###-###-####, Monday through Friday, 8:00 a.m. to 6:00 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure (1): Previous Response Letter

[redacted] Date: January 19, 2017 Account: [redacted] Regarding Your Fifth Third Bank Credit Card Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We appreciate the...

time you have taken to document your concerns. I also appreciated the opportunity to speak with you. Please be assured that Fifth Third Bank takes your feedback seriously and our executive management does review customer complaints as part of our ongoing commitment to improving our customers’ satisfaction. Fifth Third Bank is constantly looking for ways to improve our credit card products and we believe that our new TRIO credit card will provide a better value for your everyday spending. That is why we are replacing your current card ending in [redacted] with a TRIO credit card, which is our best rewards card. TRIO has no Annual Fee and it is automatically enrolled in rewards. Your rewards are earned as points that you can redeem for cash back as a statement credit, or redeem for retail and restaurant gift cards, merchandise, and travel. As we discussed, your current interest rate of 11.49% (Prime + 7.74%) will not change for the existing purchase balance. Your existing purchase balance will remain protected under its current rate until it is paid off. The rate change to Prime + 10.74% will take effect with any new purchases made after the conversion in March. Please refer to your change in terms letter to see the exact date of the change. The multiple interest rates will also be broken out on your monthly statement. We are unable to exclude your current account from being converted. I sincerely regret any conflicting information you received about this topic. 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