PROCORPSA

[redacted] Date: November 19, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your additional complaint submitted to the Revdex.com concerning your installment loan payments. 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. To maintain the security of your account, I am sending this letter to the address we currently have on record for you. I regret any frustration that may have occurred surrounding this matter, but according to our security protocols, I cannot update your mailing address based upon your correspondence. In addition, we have verified that a coupon book was sent to the address on file October 8, 2015, if another book is ordered it will continue to be shipped to the same address. I encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updated. The Customer Service Department can be reached toll-free at ###-###-####, Monday through Friday: 7:00 a.m. to 8:00 p.m., Saturday 8:30 a.m. to 5:00 p.m., ET. I can be reached at the telephone number listed below. Regrettably, I have been unable to reach you after multiple attempts. Please feel free to contact me either in writing or via the phone number listed below to provide us with further information regarding any payments that may have had a delay in posting, or the specific date and time of the early drive thru closure, we would be happy to look into these matters for you. The requested information can be mailed to the following address: Fifth Third Bank Office of the President Attention: Sarah S. 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. [redacted], I appreciate this opportunity to further attempt to address your concerns and thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S. Office of the President Pc: Revdex.com Enclosure: Previous Response

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

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

[redacted] [redacted] [redacted] Date: October 25, 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 are sorry to hear about the challenges that your husband is currently experiencing with his health, and we appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Per the Early Access Terms and Conditions, if the checking account associated with Early Access is overdrawn for more than fifteen (15) consecutive days, Early Access will be closed. These policies apply to everyone, and the Early Access feature cannot be reinstated once closed. A copy of the Early Access Terms and Conditions is enclosed. According to our records, your checking account associated with Early Access was overdrawn from September 15, 2017, through October 3, 2017; therefore, Early Access was closed on October 5, 2017. We regret any frustration or inconvenience this might cause you. It is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. However, pursuant to your previous fee waiver requests, we have reversed $74.00 in overdraft fees over the past twelve (12) months, as a courtesy to you. In most circumstances, additional courtesy overdraft fee reversals would not be warranted; however, since we empathize with your situation, we have reversed an additional $74.00 in overdraft fees on October 23, 2017. Except in the case of a Bank error, any additional overdraft fee reversal requests over the next twelve (12) months will be declined. As of October 23, 2017, your Essential Checking account is overdrawn by $251.24. As of October 23, 2017, the account was overdrawn for a total of nine (9) days. If a checking account remains overdrawn for more than fifty five (55) days, the account will be closed by the Bank. Please make a deposit into the account as soon as you can. For more information regarding the most recent account overdraft, copies of the overdraft notices that were sent are enclosed. I also want to be sure that you are aware that Fifth Third offers alert services that provide you with information about your Fifth Third Bank Accounts, which can assist you with preventing future overdraft occurrences. You may sign up for a variety of alerts, including a text or email alert to notify you when your balance falls below a threshold that is comfortable for you. This real-time alert will notify you any time your debit card and Automated Teller Machine (ATM) transactions result in a balance lower than your designated alert threshold. Because checks and electronic payments are processed overnight, we cannot currently offer a real-time alert when your account becomes overdrawn. However, you can set up alerts to let you know when the balance reaches a specific amount you determine to allow you time to deposit additional funds before the account becomes overdrawn. For example, you could set up an alert to notify you when the balance reaches $20.00. You could then review the account activity to determine if all of your authorized transactions have posted, and if not, determine how much additional funds you will need to deposit to cover any outstanding items. You can also schedule an alert that notifies you when an overdraft notice is available to be viewed on our website. While this alert will not prevent an overdraft, it will allow you to correct the negative balance sooner, which can help prevent any additional overdraft charges from being assessed. For a list of the account alerts offered by the Bank, please visit the alerts section within online banking or our mobile app. [redacted], please also accept my sincere apologies for any difficulties you may have experienced when you previously contacted the Bank regarding this matter. We strive to provide professional and accurate service to our customers and we regret if this has not been your experience. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President Enclosures (4): Overdraft Notices (3) Early Access Terms and Conditions

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 agent has made several attempts to contact her. She refuses to respond or return phone calls to [redacted] and has made up her mind to steal customers hard earned money after she was provided with the declaration page [redacted] personally created per her specific absurd requests. Once again it was a typed declaration page due to computer error on [redacted]'s end for the month of March and April 2016 that they can not change or alter because fifth Third Bank is well aware that this would be considered insurance FRAUD! She has the declaration page WITH my deductible amounts and coverages which are well above state minimum provided to her just as requested. I'm just glad and appreciative to Better Business Burea to have let this play out in their public forum for potential future customers to witness the wrong doings, negligence, and plain ignorance displayed by Fifth Third Bank throughout this entire complaint! I grant Better Business Burea the right to publish the documents and letter by [redacted] with personal information such as account numbers blacked out. 
Regards,
[redacted]

A name on the account is [redacted]. She is my wife.

[redacted] Date: January 18, 2017 Account: [redacted] Account: [redacted] Regarding Your Savings Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com)...

regarding your savings 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. You contacted the Bank on November 14, 2016, to dispute the savings account ending in [redacted] as having been opened in your name fraudulently. We opened an investigation and assigned case number [redacted] to the claim. After completing our research, we approved your claim. Enclosed is a copy of the approval letter we issued on November 30, 2016. The account was closed and charged off with a negative ($166.00) balance owed on July 24, 2014, which was reported to [redacted]. We also sold the debt owed to a third party collection agency, [redacted]. Unfortunately, the Bank employee who researched your claim did not delete the [redacted] record or repurchase the debt from [redacted]. Please be assured on January 6, 2017 the reporting was deleted with [redacted] and the debt was bought back from [redacted]. While researching your dispute, the investigator determined a second (2nd) savings account ending in [redacted] was also opened in your name. The savings account ending in [redacted] was opened in person at a banking center on April 10, 2014. The savings account ending in [redacted] was opened in person at the same banking center on April 11, 2014. Both accounts were opened with cash deposits. The investigator determined that both accounts were opened by the same individual. Therefore, if you advised the account ending in [redacted] was opened fraudulently, then the account ending in [redacted] had to be opened fraudulently as well. It is not uncommon for a customer who states an account was opened in their name fraudulently to have other accounts opened as fraud that they do not know about. Because both accounts were opened by the same individual, and you advised the account ending in [redacted] was opened as a result of identity theft, we determined that the account ending in [redacted] was fraudulent as well. Therefore, any funds in the account ending in [redacted] did not belong to you. At the time we completed the fraud investigation, there was $60.00 in the savings account ending in [redacted]. Since the account was determined to be fraudulent, we removed the $60.00 and placed it into our fraud recovery fund. We then closed that account as well on November 30, 2016. Because both accounts were opened by the same person, they are either both fraudulent or both valid. If you have determined that you did actually open the accounts, you will be responsible for the $166.00 charged off balance from the account ending in [redacted]. If this is the case, please contact me directly using my phone number listed below. Because there was $60.00 in the account ending in [redacted], we would apply the $60.00 to offset the $166.00 owed. This would leave a remaining $106.00 you would owe to the Bank. 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: Approval Letter, Savings Account Statements

[redacted] Date: January 26, 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. Enclosed for your review is a copy of the Rules and Regulations applicable to your account. Pages eleven (11) through thirteen (13) explain how Fifth Third Bank processes transactions and overdrafts. Per the Rules and Regulations, transactions are processed in the following order: ** Add in credits and deposits per our Funds Availability Policy ** Deduct timestamped debits, such as Automated Teller Machine (ATM) withdrawals and debit card transactions, in the order they were authorized ** Deduct batch debits during overnight processing, such as checks and Automated Clearing House (ACH) items, in order of the largest amount to the smallest amount ** Deduct Bank fees and service charges Debit card and ATM transactions are time-stamped debits and are pre-authorized at the time of use, and will show as pending until they are posted. Because time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic ACH payments are batch debits that are not pre-authorized by us. These transactions do not include a time-stamp and will not show as pending during the day. Checks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized by you to be paid. Direct deposits are also credited to your account for the date the issuing party states the funds should be made available to you. Direct deposits show as pending on the date of the deposit. The beginning balance in your checking account on January 19, 2017, was $6.62. Two (2) transactions totaling $1,406.75 posted to your account during overnight processing for that day, resulting in an ending balance of negative ($1,400.13). Based on our processing order listed above, the timestamped debit card transaction posted to the account first (1st) for $6.75, which exceeded the $6.62 balance. We then deducted check number [redacted] for $1,400.00. Because both transactions posted to the account causing a negative balance, and the resulting overdraft was greater than negative ($5.00), two (2) $37.00 overdraft fees were assessed the next business day. You received a $1,565.16 direct deposit on January 20, 2017. However, a direct deposit on January 20, 2017, cannot prevent already assessed overdraft fees from the previous business days payments from posting. A deposit must be received prior to a payment posting to prevent an overdraft occurrence. We confirmed that the transactions posted in accordance with the Rules and Regulations for the account, and that no errors were made. We certainly understand that mistakes sometimes happen, and we are able to reverse some overdraft fees on customer accounts every rolling twelve (12) month period. We previously waived $74.00 in overdraft fees from your account in the interest of customer service since the account was opened on August 5, 2016. We are unwilling to waive additional fees at this time. You mentioned the processing order on your checking account varies based on whether or not there is an overdraft situation. Please be assured that all transactions are processed as listed above per the Rules and Regulations. Please note that because timestamped transactions are deducted before batch debits, it is possible that the timestamped transaction will be larger or smaller than the batch items. Only batch items are processed in order of the largest dollar amount to the smallest. Enclosed are all statements and overdraft notices that have been issued for your account since it opened. I noticed that you utilize our Online Banking, but you have not set any account alerts. You have the ability to set alerts to be emailed or texted to you to regarding the account balance. You can set an alert to tell you if the balance falls below a dollar amount of your choosing, and to send you a daily balance. Please note that daily alerts are sent one (1) time per day. You can establish alerts, as well as register for Mobile Banking online at 53.com by visiting the Service Center tab. If you have questions or need assistance, please contact our Customer Service Department at ###-###-####. Customer service is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. Please note that because batch debits do not show pending on your account and are posted during overnight processing, you will not receive an overdraft alert for a batch debit overnight. Some customers choose to maintain a ledger of all transactions they have scheduled to help avoid overdrafts. You may also wish to consider declining Overdraft Coverage for your ATM and debit card transactions. Currently, you have opted-in to Overdraft Coverage. This means that the Bank may approve a one-time debit card transaction even if there are insufficient funds in your checking account. This can result in overdraft fees if the transaction posts to the account while it has a negative balance. If you opt-out of Overdraft Coverage, the Bank will decline one-time debit card transactions if there are insufficient funds in your checking account at the time of the authorization. Overdraft Coverage does not apply to checks or ACH electronic bill payments. For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the future. Information regarding Overdraft Coverage options is also provided on the enclosed document. Please feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. 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 Enclosures: Rules and Regulations, Statements and Notices

[redacted]. [redacted] Date:...

May 9, 2017 Regarding Your Mother’s Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. On behalf of the Bank, please accept my sincere condolences for your loss. We appreciate the time you have taken to document your thoughts and concerns. In observance of our privacy and security protocols, I cannot provide you with specific account details since you are not an owner of the account, or a listed Payable on Death beneficiary. Receiving notice that a checking account holder is deceased does not prevent fees from being charged to the account. The responsible party listed as the Executor of the decedent’s estate, or the Payable on Death beneficiary, is responsible for reviewing the account and can request that it be closed. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

[redacted] [redacted] [redacted] Date: June 10, 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. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your Essential Checking account. It was certainly not our intention to cause you any hardship. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We completed a review of the Essential Checking account ending in [redacted] and the debit card account ending in [redacted]. Our records indicate that a stop payment was placed on the checking account on May 31, 2016, for the payment to [redacted] in the amount of $205.59. As previously discussed with you, we regret the misinformation that was provided to you, and a stop payment request cannot be made for a debit card transaction. Because of this, we reversed the fee that was assessed to you in the amount of $33.00. On June 3, 2016, a debit card authorization was requested for a transaction in the amount of $205.59. As of June 8, 2016, the status of this authorization request shows that this was cancelled by the customer. Please note that although the authorization may have impacted the available funds while it was pending, this transaction did not post to the account. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q.Office of the President Pc: Revdex.com

[redacted] Date: August 18, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding the overdraft fees assessed to your 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. On behalf of the Bank, please accept my sincere apologies for any inconvenience these matters may have caused you. We strive to provide professional and accurate service to our customers and we regret if that has not been your experience. Details on how to edit or cancel payments is included within the information about the Bill Payment Service on 53.com. Online bill payments that are scheduled via 53.com and paid electronically, can be cancelled or modified up to two (2) days prior to the scheduled payment date by 4:00 p.m. ET. Online bill payment paid by check can be cancelled or modified up to four (4) days prior to the scheduled payment date by 4:00 p.m. ET. In addition, cash deposits made at Fifth Third Bank image Automated Teller Machine (ATM) by 9:00 p.m. ET on a business day are posted to your account on that day. All other types of deposits made at a Fifth Third Bank ATM before 7:00 p.m. ET on a business day are posted to your account on that day. Deposits made at a Fifth Third Bank ATM after these cut off times will post to your account on the following business day. After further research, we confirmed that the following ATM deposits were attempted on July 30, 2015: $2,100.00        11:00 p.m. ET$1,100.00        11:01 p.m. ET$900.00           11:02 p.m. ET You spoke with a Customer Service Representative concerning the failed ATM deposits at 11:05 p.m. ET. At that time, the representative determined that your closed checking account ending in 0602 was still connected as the primary account to your Enhanced Jeanie debit card ending in [redacted].Our Customer Service Representative corrected the issue and your cash deposit for $2,700.00 was accepted via the ATM at 11:13 p.m. that same night. However, the funds from your deposit were not available for overnight processing of transactions posted to your account on July 30, 2015. Despite the initial error you experienced at the ATM, your deposit attempt was not made prior to 9:00 p.m. ET cut off time for that business day.If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account is overdrawn. We do not assess overdraft fees on pending transactions. Per item overdraft fees will not be assessed if your account is overdrawn by less than $5.00. The amount of the per item overdraft fee is based on the number of times your account has become overdrawn in the last twelve (12) months. For the first overdraft occurrence, you will be charged $25.00 per item. For each additional occurrence, a $37.00 per item fee will be assessed.On July 30, 2015, the beginning balance for your checking account was $0.88. Six (6) online bill payments totaling $1,095.47 posted to your account. Therefore, your ending account balance was negative ($1,094.59). Due to insufficient funds, six (6) overdraft fees totaling $222.00 were assessed to your account and posted the following day.On July 31, 2015, the beginning balance for your checking account was negative ($1,094.59). Your ATM deposit in the amount of $2,700.00 posted to your account. Three (3) items totaling $299.10 posted to your account, including the overdraft fees from the previous day. Therefore, your ending account balance was $1,306.31.On August 4, 2015, the beginning balance for your checking account was $1,306.31. An online bill payment check in the amount of $1,525.00 posted to your account. Therefore, your ending account balance was negative ($218.69). Due to insufficient funds, an overdraft fee of $37.00 was assessed and posted to your account the following day.It is important to ensure that your checking account has sufficient funds to cover the transactions you have authorized. In the interest of customer service, overdraft fees totaling $150.00 were reversed and credited back to your checking account on August 10, 2015. Therefore, we are not willing to reverse any additional overdraft fees at this time.It should be noted that as of August 13, 2015, your checking account balance is negative ($105.69). If your account remains overdrawn for fifty-five (55) days, it may be charged off for further collection and reported to [redacted]. Therefore, it is imperative that you make a deposit to restore your checking account to a positive state.For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage options is also provided on the enclosed document. Please feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you.[redacted], please be assured that it was not our intention to cause you any hardship or frustration. You are valued customers and we look forward to serving your financial needs in the future. I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at [redacted] Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,Danielle S.Office of the PresidentEnclosure: Overdraft Solutions flyer Pc: Revdex.com

We still have not received the check. We did receive an aplogy letter that stated the check was over nighted to us on 10/18 but it never arrived.

[redacted]...

[redacted] Date: September 22, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint that was submitted to 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. On October 3, 2012, you opened a Regular Business checking account with the Bank ending in [redacted]. Fifth Third Bank offers both business accounts as well as consumer accounts so that we can better service all of our customers’ needs. However, business accounts and consumer accounts are governed by different federal guidelines, and they each have their own set of applicable fees. For this reason, we provide all customers with a copy of the rules and regulations for consumer and business accounts. Enclosed for your review is a copy of the Fifth Third Bank Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards. Pages five (5), six (6), and seven (7) provide details regarding fees applicable to business checking accounts. Specifically, page six (6) explains that there is a $37.00 fee for each transaction returned or involved in an overdraft situation on your account. It also explains that there is an $8.00 daily overdraft fee charged when the account remains overdrawn for five (5) consecutive business days. This fee posts to the account for every calendar day the account has been overdrawn, and the Bank will continue to assess the fee until the account returns to a positive balance or until the twentieth (20th) day from the date of the initial overdraft. Please note that per federal regulations, consumer checking accounts have the option to enroll in or opt out of overdraft coverage for one-time debit card transactions. If a customer with a consumer checking account opts out of overdraft coverage and attempts to use the associated debit card for a one-time purchase, the transaction will be declined if there are insufficient funds to cover the transaction. Because the transaction was declined, there is no associated overdraft fee. If a customer with a consumer checking account enrolls in overdraft coverage and attempts to use the associated debit card for a one-time purchase, the Bank can approve the transaction if there are insufficient funds. Please note, however, that the transaction is then subject to any applicable overdraft fees. Overdraft coverage choices as explained above are applicable to consumer accounts only. Fifth Third Bank’s business checking accounts are not eligible to opt out of overdraft coverage for one-time debit card transactions, checks, or ACH transactions. The decision to approve any debit card transactions, checks, and ACH transactions is at the Bank’s discretion. When you opened your consumer checking account ending in 9813 on May 5, 2015, you opted out of overdraft coverage. Please be advised that the decision and form you signed were applicable to the consumer checking account only. Enclosed is a copy of the form you signed for overdraft coverage. Please note that the account listed on the form is the consumer checking account ending in 9813. Your business checking account is not listed because your business checking account does not allow that option. The beginning balance in your business checking account on August 4, 2015, was $497.98. Nine (9) transactions totaling $648.33 posted to your account that day, resulting in an ending balance of negative ($150.35). Three (3) overdraft fees of $37.00 each, totaling $111.00, posted to the account the next day. Transactions continued to post to the account, causing the negative balance to increase. On August 10, 2015, your account had been negative for five (5) consecutive business days. Therefore, on August 11, 2015, we began assessing the applicable daily overdraft fee. The fee is assessed for every calendar day the account has been overdrawn. October 11, 2015, was the eighth (8th) calendar day that the account was overdrawn. For this reason, the daily overdraft fee charged that day was eight (8) fees of $8.00 each, totaling $64.00. We continued to charge the applicable daily fees, overdraft fees, and returned items fees as additional transactions posted to the account. The account reached a zero balance on August 19, 2015. For this reason, the last daily overdraft fee processed on August 18, 2015. Most recently, the account became overdrawn again on September 17, 2015, which resulted in an ending balance for that day of negative ($2.47). As of September 17, 2015, the balance in your account is negative ($2.47). If the account does not reach at least a zero balance by September 23, 2015, the $8.00 daily fee will start being assessed again. Enclosed for your review are all of the checking account statements and overdraft notices that were generated for your account from July 1, 2015, through September 17, 2015. You have elected to receive your account statements online only, so they were not mailed to you. However, your overdraft notices were mailed to you. You advised Financial Center Manager Julie I. that you have alerts set up for your account that you did not receive. Please note that customers are responsible for their accounts and any associated fees even if established account alerts are not received. However, I confirmed that you do not have any account alerts set up in online banking for your accounts. The only alerts you have established are email notifications to advise you when a new tax document, overdraft notice, or account statement is available. Additionally, I verified that you have accessed your account via online banking or mobile banking on fourteen (14) different days since August 1, 2015. After reviewing your account, we determined that the overdraft fees, returned item fees, and daily overdraft fees are were charged in accordance with the terms and conditions for the account. You are a valued customer and in the interest of customer service, the Bank waived $74.00 in fees from your account on August 18, 2015. We are unwilling to waive additional fees at this time. I am very sorry for any distress this may cause you; however, there was no Bank error involved with the overdraft situations on your account. Our records do not indicate that a Bank employee advised you that you could decline overdraft coverage for your business checking account. Additionally, the overdraft coverage form you signed specifically states it was for the consumer checking account ending in [redacted]. It is my understanding that Ms. Iskra offered to help you establish account alerts at the banking center; however, you declined this offer. She also offered to go over various solutions that may help you prevent overdraft situations in the future, such as overdraft protection accounts. You declined this offer as well. [redacted], we understand that overdraft situations and fees can be a frustrating experience, and we would like to assist you with finding options that can help prevent overdraft situations in the future. If you would like to sit down with Ms. Iskra to go over your options, please contact the Countryway Banking Center at ###-###-####. The banking center is open Monday through Thursday from 9 a.m. to 5 p.m., ET, Friday from 9 a.m. to 6 p.m., ET, and Saturday from 9 a.m. to 12 p.m., ET. Alternatively, you can contact me directly using the phone number listed below. I would be happy to assist you. 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 T. Office of the President Pc: Revdex.com Enclosure: Rules and Regulations, Overdraft Coverage Form, Checking Account Statements, Overdraft Notices

[redacted] 
[redacted] 
[redacted] Date: January 14, 2016 Account: [redacted] Regarding your Secured Credit Card Account Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com regarding your Secured...

Credit Card. We appreciate the time you’ve taken to document this matter and appreciate the opportunity to respond to your question. Per our secured credit card agreement, when a credit card is secured with money deposited in a savings account, that money is held 90 days after the credit card is paid off and the card is closed. On October 2, 2015, we received your payment in the amount of $190.21 to pay off the balance and per your request, we closed the account. On January 4, 2016, the next business day after the 90 days were complete, the hold on your savings was released and on January 5, 2016, you transferred $250.00 to your checking account ending in 8336. On January 6, 2016, you transferred another $50.00 to your checking account leaving a balance of .26 cents. 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 call me at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Briggett F. Office of the President

[redacted] Date: March 16, 2016 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding 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 concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On February 26, 2016, we received your loan payment of $200.00. This payment was originally not applied correctly to your loan. When we discovered this error, we located your payment and applied it to your loan on March 11, 2016. Also on March 11, 2016, the payment was backdated to the date that the payment was originally received of February 26, 2016. Please be assured that this payment issue did not result in any additional interest accruing on the loan. Please also accept my sincere apologies for any difficulties you experienced when you previously contacted the Bank to resolve this issue. We strive to provide professional and accurate service to our customers, and we regret if this has not been your experience. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P. Office of the President PC: Revdex.com

[redacted]Date: August 19, 2016Account: [redacted]Regarding Your Fifth Third Bank Mortgage LoanDear [redacted]:We received a copy of the two (2) complaints you filed with the [redacted] and the complaint you filed with the...

Revdex.com regarding your mortgage loan payments. We appreciate the time you have taken to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced.Your comments expressing less than quality service from our employees is extremely concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused. We strive to provide professional and accurate information to all of our customers, and we regret if all the service you received did not meet your expectations.Each year, we review your escrow account to make sure the escrow portion of your monthly mortgage payment covers your property taxes and/or insurance. On April 25, 2016, the Bank performed the annual analysis and sent you a letter titled, Important Information about your Mortgage Escrow Account. Based on your complaints, you did not timely receive this notice. We have enclosed a copy of this letter for your convenience. Please note the letter was mailed to the same address as this response.Your 2016 escrow analysis informed you that your escrow account had a $705.22 shortage. Page three (3) of the analysis explains the reason for the shortage. The Bank provided you with two (2) options on how to pay the shortage. The first option was to spread the shortage over the next twelve (12) monthly payments. Your mortgage payment would increase on June 1, 2016 to $2,390.78, with $58.76 of this payment used to settle the escrow shortage. Option two (2) was to pay the escrow shortage in full before May 15, 2016. Your mortgage payment would increase to $2,332.02, with $1,814.81 being applied to principal and interest, and your new escrow payment of $517.21. The increase in your escrow payment is an attempt by the Bank to avoid a shortage in 2017.As you are aware, the Bank received and posted your payment of $2,295.82 on June 6, 2016. Because this payment did not satisfy your full monthly mortgage payment, the funds were placed in an unapplied status. The Bank received and posted your payment of $2,295.82 on July 6, 2016. This payment was also placed in an unapplied status. On July 15, 2016, the Bank received and posted your payment of $201.92. This payment was applied to your prior two (2) payments and satisfied your monthly payments for June 1, 2016, and July 1, 2016. On July 19, 2016, you made an escrow payment of $705.22. This payment satisfied your escrow shortage. The Bank received and posted your August 8, 2016, payment of $2,332.02. This payment satisfied your mortgage payment due on August 1, 2016. Our research indicates your next mortgage payment of $2,332.02 is due on September 1, 2016.Our research determined you contacted our customer service department regarding your late payment mark reporting to the credit reporting agencies for your June 1, 2016, payment. This payment was not satisfied until July 6, 2016, and was correctly reported to the credit reporting agencies as thirty (30) days past due. Please note that in addition to the letter dated April 25, 2016 informing you of the escrow changes, a Mortgage Loan Statement dated May 6, 2016, which statement reflected the increase in the monthly mortgage payment, was also mailed to the same address as this response. This statement was sent and should have been received well prior to your vacation departure. We have enclosed a copy of this statement for your convenience.You have requested our customer service department remove the late mark because you had not received the escrow notice, and you were out of the country and unaware of the payment shortage. In the interest of customer service a request to remove the late payment from your credit reporting has been submitted. You will receive a letter under separate cover from our operations department confirming this adjustment. Please allow thirty (30) days for the credit reporting agencies to update the information. If you apply for credit within the next thirty (30) days, please use this letter as proof that Fifth Third is removing the negative reporting.If you would like to contact the credit reporting agencies directly, their contact information can be found below.[redacted] ###-###-####[redacted] ###-###-####[redacted] ###-###-####[redacted] ###-###-####We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. 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,Patrick S.Office of the PresidentPC: [redacted], Revdex.comEnclosure: Escrow Analysis Statement, Mortgage Loan Statement

[redacted] Date: February 10, 2016 Account: [redacted] Regarding the Closure of Your Checking Account Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com regarding the closure of your checking account. We appreciate the additional time you have taken to share your concerns regarding this matter. According to your rebuttal, you were not informed of the negative balance on the above mentioned checking account until you attempted to open an account at another financial institution. Our records indicate the mailing address for this account was [redacted] by [redacted], [redacted], [redacted]. I have enclosed the checking account statements that contain the overdraft activity as well as the related overdraft notices that were mailed. On October 14, 2015, this checking account was closed with a negative balance of $910.33. I have enclosed the letter that was mailed to advise you of the account closure. In the closure letter, we advise that Fifth Third Bank has the right to report the charged off account to [redacted] and the account will be sent for further collection proceedings. The account was sold to [redacted] for collection. If you would like any additional information related to the charged off account, or if you would like to set-up payment arrangements, you may contact [redacted] at ###-###-####. If [redacted] is willing to accept a settlement for the account, you may contact [redacted] regarding the status of your account, on the Internet at www.consumerdebit.com, via telephone at ###-###-#### or by mail at: [redacted], Consumer Relations, and [redacted] 
[redacted].When you called to inquire about the charged off checking account, you should have been advised that the account was sold to [redacted] for further collection proceedings. You would have been referred to [redacted] for further information related to the account. However, we could have provided you with details about the recent activity on the account, since you were a joint owner. I apologize that you were not provided with this information when you initially contacted the Bank. Thank you for your patience while we reviewed your additional concerns. We value your relationship and look forward to fulfilling all of your financial needs for years to come. If I may be of further assistance to you, please contact me directly at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com Enclosures: Checking account statements, overdraft notices, closure lette

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
This bank is placing holds on funds long after they have cleared.  In this particular case, the monies were removed from the funding account the day after deposit (they were removed from the funding account on 12/4) yet were not available for access until 12/14.  This is excessive and is not a function of risk or security, it's a means for them to "hold" my cash - and unfair.
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: December 7, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to hear about the...

difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. The annual premium for your homeowners insurance policy is escrowed and is collected as part of your mortgage payment. The Bank reached your insurance agent on October 20, 2017, to verify the premium amount due and request a copy of the bill. We sent a payment of $516.26 to [redacted] on October 23, 2017. Because you also paid the annual premium, the [redacted] returned the Bank’s payment. It was credited to the escrow account on November 17, 2017. Per your request, those funds were moved from the mortgage’s escrow account to your checking account ending in [redacted] on November 29, 2017. There was no lapse in your insurance coverage and I apologize for the inconvenience this matter caused you. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

[redacted] [redacted] [redacted] Date: June 8, 2016 Account: [redacted] Regarding Your Accounts Dear [redacted]: We received your Revdex.com Complaint, regarding overdraft on your checking accounts. We appreciate the time you have...

taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, I apologize for the difficulties you have experienced. It was certainly not our intention to cause you any undue hardship or frustration. I have reviewed your account ending in [redacted] and found that the overdraft occurred due to three (3) card transactions that were pre-approved on the custodian debit card ending 2056. These three (3) card transactions were from the same merchant, [redacted] [redacted], and were pre-approved on two (2) different days; the first day May 5, 2016 for $215.00 and the second day May 10, 2016 for $421.40 and $400.00. Typically, debit transactions made with your debit card using a PIN (Personal Identification Number) are processed and posted to your account on the same day the transaction is made. Credit based transactions made with your debit card, such as the [redacted] transactions, may take up to three (3) business days to post based on when the merchant presents the authorization for payment. After that timeframe, if the merchant has not yet presented the pre-authorized transaction for final payment the Bank will remove the pending charge from your account after the fourth business day. The transaction will not show against the account’s available balance again until the merchant presents it for final payment and it posts to the account using the original authorization number they received. At this time, merchants are not required to receive a new authorization to present the transaction for final payment if the previous authorization is no longer pending on the account. Therefore, on May 13, 2016, when your account had a negative balance of ($187.90), it is possible that one (1) or more of these three (3) transactions listed above may not have been showing as a pending item in your available balance until the merchant presented the transaction for final payment during overnight processing. You would not have been aware of the negative balance by viewing your account online until the next morning. Please be assured, that your checking account was not assessed overdraft fees for this occurrence because your account had sufficient funds at the time of the original pre-authorization. If these transactions are unauthorized you may dispute them with our Disputes Resolution Department by calling them at ###-###-#### their hours of operation are Monday through Friday, 7 a.m. to 8 p.m. and Saturday 8:30 a.m. to 5 p.m. Please be advised your monthly statement fee is not for the management of your money. The fee is charged for providing you an account to transact your business. Online balances are up to date and the available balance will show all pending card transactions (excluding the transactions explained above where either the Bank or Merchant has released the charge and the Merchant is representing the charge). Automated Clearing House (ACH) payments will not show as pending and will post with any checks during overnight processing as well. We appreciate your patience while we researched this matter and apologize for any inconvenience this situation 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, Shannon K.Office of the President