PROCORPSA

The final response to the customer's rebuttal is belowWe will be sending the attached documents along with the Rules and Regulations, and the transaction register in the mail with our response [redacted] [redacted] *** [redacted] *** Date: February 21, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of the rebuttal complaint you submitted to the Revdex.com regarding your checking accountWe appreciate the time you have taken to document your additional thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youHowever, we stand by the response conveyed to you in our previous letter dated January 27, I have enclosed a copy of that letter for your reviewOur position on this matter has not changedAs we explained in our prior response, non-timed stamped transactions are collected during overnight processingThey will not show as pending or be visible to you until the following business dayThese transactions are authorized by youIf you do not have sufficient funds to cover these transactions you may request Fifth Third Bank to place a stop payment to avoid an overdraftA stop payment is assessed a $feeAlternatively, you may contact the payee and cancel the transactionI have enclosed a copy of our current Rules and Regulations for your conveniencePlease refer to page eleven (11) for more information on how we process transactionsYour most recent overdraft occurred on February 9, On that day, the beginning balance in your checking account was $Two (2) web initiated payments totaling $posted to your accountAs explained above, the items were posted to your account when they were received by the merchants during overnight processingYour account had a negative ending balance of ($5.74)Due to insufficient funds, two (2) overdraft fees totaling $were assessed and posted to your account the following business dayOn February 10, 2017, your account had a negative beginning balance of ($5.74)Two (2) web initiated payments totaling $posted to your account, as well as the $in overdraft fees assessed for the previous business dayAgain, the items were posted to your account when they were received by the merchants during overnight processingYour account had a negative ending balance of ($99.73)Due to insufficient funds, two (2) overdraft fees totaling $were assessed and posted to your account the following business dayI have enclosed copies of the overdraft notices we sent to you on February 10, 2017, and February 13, 2017, for your reviewAs of February 16, 2017, your account has a negative available balance of ($173.73)I urge you to visit a Fifth Third Bank banking center as soon as possible to deposit funds to bring your account to a positive balanceIt was certainly not our intention to cause you any hardshipHowever, we are unable to waive any additional overdraft fees due to bank policyYou may also want to consider using a transaction register to help keep track of the items that are going in and out of your accountMany customers find this beneficial because it helps to avoid overdrawing your accountFor your convenience, I have enclosed a transaction register, but please know that transaction registers are free at any Fifth Third Bank banking centerThank you for your patience while we further researched this matter for youWe value your business, and we look forward to continuing our banking relationship with youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at 866-360-5353, Monday through Friday, a.mto p.m., ETSincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Previous response letter, Rules and Regulations, Overdraft notices, Transaction register

[redacted] [redacted] *** [redacted] *** Date: December 7, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of the complaint filed with the Revdex.com regarding your checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matterWe value your relationship with Fifth Third Bank and appreciate the opportunity to respond to this matterYour comments expressing less than quality service are very concerning and I regret the difficulties you have encountered regarding your accountOverdraft Protection is a service in which the Bank can link a customer’s checking account to one of their other accounts to protect the checking account from becoming overdrawnWhen an account has been set up with overdraft protection and becomes overdrawn, the funds, if available, will automatically transfer from the connected account to attempt to bring the overdrawn account to a zero balanceThere is no fee to have Overdraft Protection on an accountHowever, if Overdraft Protection is used and an automatic transfer occurs, a $fee will be charged to the checking accountPlease be aware that the $fee will be added to the amount transferred since the fee will be assessed to the checking accountAccording to your complaint, you were told that Savings Overdraft Protection was connected when your checking and savings accounts were openedWe reviewed our records and determined that the Overdraft Protection was not connected when your accounts were openedWe sincerely regret for the frustration this has caused youOn November 12, 2015, the balance in your checking account was $Ten (10) items totaling $posted to your account along with a deposit of $Your ending account balance was negative ($47.18)Due to insufficient funds, two (2) overdraft fees of $were assessed to your checking account which posted the following dayOnce your complaint was received, the decision was made to waive the $in overdraft fees that were charged to your accountThe fee waiver posted to your checking account on December 3, We have also confirmed that Savings Overdraft Protection is now connected to your checking accountFor your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft SolutionsThis guide provides additional information related to our Overdraft Protection serviceIt was certainly not our intention to cause you any hardshipI hope this letter addresses all of your concerns and you are satisfied with the resolutionIf I may be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Lisa S.Office of the President Pc: Revdex.com Enclosure: Fifth Third Overdraft Solutions

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution wasn’t exactly what was expressed to me in the beginning of the matter but at least I have found some sort of answer Regards, [redacted] [redacted]

[redacted] [redacted] ** [redacted] *** Date: November 21, Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted] : We received a copy of the follow up complaint you filed with the Revdex.com concerning your vehicle installment loanWe appreciate the additional time you have taken to express your concerns regarding this matterAlthough it is our sincere desire to assist you, we do not have any additional to provide you with regarding this matterWe feel that our previous response to you dated November 15, 2017, sufficiently addressed this matterWe strive to provide professional and accurate information to our customers, and we apologize for any inconvenience or frustration this may have caused youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Adam P.Office of the President

[redacted] [redacted] *** [redacted] *** Date: October 17, Regarding [redacted] Vehicle Loan Dear [redacted] : We received copies of the complaints you submitted to the Revdex.com (Revdex.com) and [redacted] [redacted] regarding [redacted] vehicle loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experiencedOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the BankI 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’ satisfactionOn August 5, 2016, we received notice that [redacted] had passed awayOn that date, Ms [redacted] vehicle loan was past due for the July 15, 2016, paymentOn August 31, 2016, our Collection Department was notified of your intention to sell the vehicleSince [redacted] was deceased, we required payment in full of the loan to release the title to the vehicleOn September 20, 2016, we referred the vehicle for repossession because no payments had been received, and the loan was over sixty (60) days past dueOn September 21, 2016, at 3:a.m., we repossessed the vehicleThe payment of $that you made on September 20, 2016, was processed after the end of business that day, so we would not have seen the payment posted to the loan before the vehicle was repossessedAfter receiving your complaints, on September 29, 2016, we arranged to have the vehicle towed to [redacted] so that you could sell the vehicle and pay off the loanWe also agreed to waive the repossession fee of $On October 5, 2016, we received the final payment of $3,to pay off the loan in fullPlease allow seven (7) to ten (10) days for us to send the lien release electronically to the [redacted] BMV (Bureau of Motor Vehicles)A notice of lien release will also be sent directly to [redacted] Once the lien has been released, [redacted] can obtain a lien-free paper title from the [redacted] BMVIt was certainly not our intention to cause you any hardship, and we hope that this letter resolves your needsIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Elizabeth DOffice of the President Pc: Revdex.com, [redacted]

[redacted] [redacted] ** [redacted] *** Date: March 22, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of your complaint filed with the Revdex.com regarding your checking accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matterOn September 29, 2014, you applied for a Fifth Third Bank Essential checking account via our website at 53.comThe account was opened the same dayFifth Third Bank is required to allow consumer checking account customers to decide if they would like the Bank to approve Automated Teller Machine (ATM) and one-time debit card transactions if there are insufficient fundsWe refer to this as overdraft coverageWhen you opened your account online that day, the website asked if you wanted to enroll in overdraft coverageIf a customer selects “yes,” then a disclosure is opened and the customer must click that they agree to the disclosure that explains overdraft coverageYou selected that you agreed to the disclosure; therefore, you were opted in to overdraft coverageEnclosed is a copy of the overdraft coverage letter that we mailed to you on September 29, 2014, confirming your overdraft coverage selectionEnclosed for your review is a copy of our Rules and Regulations that were provided to you, which also discloses the information regarding overdraft coveragePage thirteen (13) provides additional details about overdraft coverageOur records reflect that you have been opted in to overdraft coverage since the time the account was open until February 26, 2016, at 6:p.mEnclosed for your review is a copy of the letter we sent to you on February 26, 2016, to confirm that you opted out of overdraft coverageThe beginning balance in your checking account on February 22, 2016, was $You received a $deposit that day, which increased the balance to $Five (5) transactions totaling $posted to the account that dayThere were insufficient funds to cover your Automated Clearing House (ACH) transaction to Ally of $We paid the transaction and assessed one (1) $overdraft fee the next business dayTransactions continued to post to your checking account while the balance was negative, which resulted in additional overdraft fees being charged to your accountYour account returned to a positive balance on February 26, 2016, when you received a $1,direct depositYou mentioned that your car payment, which appears to be the $ACH transaction to Ally, was returned to Ally as unpaidPlease be advised this was not the case, and we paid the fundsA total of $in overdraft fees was assessed to your account from February 23, 2016, through February 26, You are a valued customer and in the interest of customer service, we waived $of the overdraft fees as a courtesyWe are unwilling to waive additional fees at this timeI regret any distress this may cause youPlease be advised that the option to opt in or out of overdraft coverage applies only to one-time debit card purchases and ATM transactionsDeclining overdraft coverage does not prevent ACH transactions, check items, bill payments, or recurring debit card purchases from posting to the account, and the transactions may be assessed overdraft fees if they post when there are not enough funds availableIf a customer is opted out of overdraft coverage and a one-time debit card purchase or ATM transaction is approved but then posts to the account while it has a negative balance, we will not assess overdraft fees for those transactionsThe transaction to Ally was an ACH item and therefore would still have been approved if you had declined overdraft coverage, and the associated overdraft fee would have been chargedYour one-time debit card and ATM transactions that were approved before February 23, 2016, would not have been charged fees when they posted to the accountAdditionally, any one-time debit card and ATM transactions attempted while the account was negative would have been declinedYou mentioned that you were unable to find information about overdraft coverage on our websitePlease be advised you can access information regarding overdraft coverage by logging into your accounts online at 53.com and clicking on the “Service Center” tabOn the next page within the second (2nd) blue box on the left side is a link that says “Overdraft Coverage Preferences.” By clicking that link, you can view the information about overdraft coverage as well as opt in or out of overdraft coverageEnclosed is a copy of the Overdraft Coverage Disclosure available to you on that pageWe appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Shawna TOffice of the President Pc: Revdex.com Enclosure: Rules and Regulations, Overdraft Coverage Disclosure, Opt In Letter, Opt Out Letter, Overdraft Notices (6)

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 In the response, Fifth Third Bank states that they wait (10) ten days after a loan is closed before issuing refundsIn following their ten day protocol, a refund of $should have been issued to me on December 8th when the check for $was mailed to meThat was ten BUSINESS days after I had paid off the loanIn talking with a supervisor, it was admitted to me that Fifth Third had made a mistake and their was no reason why the check for $was not writtenThe woman supervisor told me that was a mistake on Fifth Third Bank's behalfTherefore, I had to wait yet another additional ten days to receive my refundIf I would have been late on a loan payment I would have been immediately been charged a late fee with no questions asked, yet Fifth Third makes a clear mistake, violates their own policy, and I am supposed to be okay with thatI deserve compensation for the days I did not have my moneyFifth Third did not follow what they have outlined in the response Regards, [redacted]

[redacted] Date: July 13, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of your rebuttal to our response letter filed through the Revdex.com on July 6, We appreciate the time you have taken to document your thoughts and concerns regarding this matterWe strive to provide professional and accurate service to our customers and I am sorry if that has not been your experienceCustomer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customersPlease be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concernsI have enclosed a copy of our current Rules and Regulations for your reviewPage provides additional information regarding transaction cut-off timesThe business day cut-off time for deposits made through the ATM is 7:PM Eastern TimeNotice of this cut-off time is provided on the front of all Fifth Third Bank ATMsDeposits made after the 7:PM cut-off time are not credited until the next business dayA business day is a non-holiday weekday; Monday through FridayIn researching your concerns, we found that your $deposit was made on Friday, June 26, 2015, through an Automated Teller Machine (ATM) at 8:p.mBecause this deposit was not made prior to the 7:PM cut-off time Friday evening, the deposit was not able to be processed until the next business day, Monday June 29, We are continually working to ensure funds from your deposits are available in a timely manner, while meeting all Federal RegulationsThe Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as a customer, and the Bank, from loss or possible fraudIn some circumstances, we reserve the right, per the federal government, to place a hold on a deposit for a longer period of timePage and of our Rules and Regulations provides information regarding our Funds Availability Policy and these extended holdsThe full amount of the deposit will not become available until the hold has endedPer our Funds Availability Policy, the first $of the deposit is made immediately available and the remaining balance is made available the next business dayHowever, an extended hold was placed on your entire deposit of $due to the repeated overdrafts on your checking accountA letter informing you of this hold was sent to you on June 30, The funds were made available to you on July 8, Enclosed is a copy of the letter previously mailed to youOverdraft fees are assessed the business day after the overdraft occurrenceIn your letter you conceded the (2) $overdraft fees, one assessed on June and the other on June 25, were not a bank errorThese fees were assessed due to overdraft occurrences on June and June 25, respectivelyYour ending day balance on June 25, was negative ($138.06)Because two additional transactions contributed to the overdraft, your account was scheduled (2) $overdraft fees to be assessed the next business dayOn June 26, these overdraft fees were posted to your account, totaling $Because the funds from your $deposit were not available for use on June 26, the payment to Comenity for $was assessed a $overdraft fee that posted the next business day, Monday June Our records reflect that an overdraft charge of $was reversed on your account on June 29, and a $overdraft was reversed on June 30, Therefore, we are unable to reverse any additional overdraft chargesAs of July 8, 2015, the balance in your checking account is $We empathize with the difficulties you have encountered with your accountIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETCarolyn GOffice of the President Pc: Revdex.com Enclosure: Rules and Regulations

[redacted] [redacted] *** [redacted] *** Date: March 23, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of the complaint filed with the Revdex.com concerning a recent mobile deposit to your checking account and the overdraft fees assessed to your accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, I would like to offer our sincere apologies for any inconvenience the delay in resolving this matter may have caused youWhen someone contacts the Bank we expect that each situation will be taken care of in as timely a manner as possible and we regret any difficulties you may have encounteredYour comments expressing less than quality service are very concerningOur goal is to provide professional and accurate service to our customers and I am sorry if that has not been your experienceYou mentioned in your complaint that you made a check deposit via Fifth Third Mobile Banking after PM Eastern Standard Time (EST) on February 29, Our records indicate the mobile deposit was made at 9:PM ESTIf a deposit is made after PM EST, the deposit transaction will post to your account on the following business dayThis was disclosed to you in our Digital Services User Agreement in which you agreed on our internet banking website, www.53.comI have enclosed a copy of this agreement for your reviewWe are continually working to ensure that the funds from your deposits are available in a timely manner, while meeting all federal regulationsThe Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraudOn the day of your deposit, a combined $from all deposited checks is available immediately; the remaining funds will be made available on the next business dayFor deposits made on Saturday, Sunday, or a Federal Holiday, the day of your deposit is the next business dayA business day is defined as Monday through Friday, excluding Federal HolidaysOur Funds Availability policy is covered in the Rules and Regulations document that was provided to you when you opened your accountA copy is also available for review on 53.comThe mobile deposit of $that you made after the cut off time on February 29, 2016, posted to your checking account on March 1, However, only $was available in your account that dayIf the available balance in your checking account is not sufficient to cover items that post to your account, the posted items may be returned unpaid and subject to overdraft feesThe per item overdraft fee is based on the number of occurrences in the last twelve (12) monthsFor the first occurrence, you will be charged $per itemFor any additional occurrences, the charge is $per itemOn March 1, 2016, your beginning checking account balance was $The mobile deposit of $posted to your account, however, only $was immediately availableTwo (2) web initiated payments totaling $posted to your accountSince the available balance in your checking account was not sufficient to cover the items that posted, your checking account was charged two (2) overdraft fees of $each on the following dayI have enclosed a copy of the overdraft notice sent on March 2, 2016, for your reviewIt is important to ensure that your account has enough available funds to cover all of the transactions that post to the accountHowever, in the interest of customer service, on March 15, 2016, the$in overdraft fees that was charged to your account was waivedYou will see this credit to your account on your next statementYou may want to consider adding Overdraft Protection to your checking accountWe offer several types of overdraft protectionWe can connect a second account such as another checking account or savings account, or you can apply for a credit card or equity line, which can be connected to your checking account in order for funds to be automatically transferred in case of an overdraft situationWith Overdraft Protection, you are charged one (1) Overdraft Protection transfer fee of $instead of an overdraft fee of $per item for the first overdraft occurrence, or $per item for each additional occurrenceIf you would like more information about Overdraft Protection, please feel free to contact me using the information provided belowYou can also visit your local Financial Center or contact our Consumer Contact Center at ###-###-#### to setup Overdraft Protection for your checking accountWe appreciate your patience while we researched this matterYou are a valued customer and we look forward to servicing your future financial needsIf I may be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Lisa SOffice of the President Pc: Revdex.com

Thank you, im sorry for the confusion I never intended to accept there respond I was have trouble entering my respond So I sent and additional respond regarding the subject matter yes I would very appreciate Revdex.com helpFifth third is not fully disclosing there banking policy also they are holding my life in there hands with my financial status by placing on a list that does not allow me to move forward with credit or to pursue a mortgage Thank you [redacted]

[redacted] [redacted] *** [redacted] *** Date: March 23, Account: [redacted] Regarding Your [redacted] Dear [redacted] : We received a copy of the complaint you recently filed with the Revdex.com (Revdex.com) regarding the Balance Transfer you recently initiated on your [redacted] account ending in ***Fifth Third Bank takes your feedback seriously, and we appreciate the time you have taken to communicate your thoughts and concerns with the BankOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youPlease be assured that we have reviewed the [redacted] Balance Transfer in the amount of $7,that posted to your [redacted] account ending in [redacted] on January 2, without the intended promotional offerOur research has determined that the promotional offer for 0% interest to be charged on a Balance Transfer until your cycle date in May expired on December 30, As the Balance Transfer in question did not post within this campaign period, the promotion was not appliedWe deeply regret the frustration this caused, but were pleased to confirm that the Balance Transfer was able to be backdated to the date you initiated the transaction in the interest of customer serviceAs we discussed, in addition to the $in interest that was waived on February 22, 2018, two additional interest charges were waived in the amounts of $and $on March 15, Also on March 15, 2018, an adjustment was made in the amount of $to the Balance Transfer Fee you had paidYou will also receive your monthly *** [redacted] account statement that will reflect this information when it is sent after your account’s cycle dateAdditionally, your comments expressing less than quality service you received when attempting to correct this matter are very concerningWe strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectationsPlease be assured that due to the concerns you shared with the Bank this issue was escalated to Fifth Third Bank’s Office of the PresidentWe are the support staff that handle escalated issues brought to the attention of the Bank’s senior and executive management teamsOur purpose is to make sure your complaints and concerns are consistently reviewed, researched, and brought to resolutionI hope this correspondence has helped you feel more comfortable in knowing your voice is heard within the Bank [redacted] , I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a responseIf I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Sarah S.Office of the President Pc: Revdex.com

December 12, [redacted] ***Revdex.comHoliday Drive, Suite 220Pittsburgh, PA 15220Re: Your reference: [redacted] - Case No [redacted] Dear Mr [redacted] W e are in receipt of your letter dated December 1, 2017, regarding the informal complaint filed by [redacted] We have had the opportunity to investigate this Complaint and offer the following information.Armstrong empathizes with Mr [redacted] ’s frustration regarding his internet serviceAccording to our records, Armstrong has been in regular communication with Mr [redacted] and anticipates completing the installation of new line on December 22, Armstrong encourages Mr [redacted] to contact our Customer Service Center if he has any additional concerns.Thank you for your attention to this matterPlease feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Teamcc: [redacted]

[redacted] [redacted] [redacted] *** Date: March 30, Account: [redacted] Regarding Your Real Life Rewards [redacted] Dear [redacted] : We received a copy of your rebuttal recently filed with the Revdex.comWe appreciate the time you have taken to document your thoughts and concerns regarding this matterAs I stated in our prior response sent on March 3, 2016, the disputes resolution department is currently reviewing your case ( [redacted] )After the review process is complete, the disputes department will send you notification of their final decisionIf you would like to contact the disputes department directly, you can call them at ###-###-####, Monday through Friday, a.mto p.m., Saturday, 8:a.mto p.m., ETOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youIn the interest of customer service, we have extended the promotional rate on your Real Life Rewards [redacted] ending in ***The updated expiration date for the promotional rate is now September 29, The promotional rate is 0.00% for purchases and balance transfersIf you have any questions about this update to the promotional rates expiration date, please contact me at the number below and I would be happy to assist you [redacted] , I understand your frustration when this situation occurred and we appreciate your patience while we resolved this matterYour feedback helps us to identify problems and to improve the level of service we provide to our customersYou are a valued customer and we look forward to serving your future financial needsIf I could be of further assistance to you, please contact me directly at (###) ###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Jennifer C.Office of the President

[redacted] *** [redacted] *** [redacted] *** Date: July 14, Account: [redacted] Regarding Your Installment Loan Dear [redacted] ***: We received a copy of the rebuttal filed with the Revdex.com regarding insurance coverage for your vehicle loanWe appreciate the time you have taken to document your additional thoughts and concerns regarding this matterProof of full coverage vehicle insurance is required at the loan contract signing and throughout the life of the loanAs stated in your complaint, you cancelled comprehensive coverage on the vehicle that is held for collateral for the above referenced installment loanI have enclosed a copy of the Retail Installment Sale Contract that you signed at the time the vehicle was purchasedAccording to section D of page two (2) of the contract, you agreed to maintain insurance covering loss or damage to the vehicle for the entire term of the contractAlso be advised that the contract does not state that we will send notices related to the loan to both borrowersNotices sent regarding this installment loan will be mailed to the primary borrower at the address we have on fileAccording to your rebuttal, you claim that the vehicle held for collateral for this loan was repossessed and held in our possession fore January and February Our records indicate that the vehicle was not repossessed during that timeWe, however, did repossess the vehicle on August 13, 2015, at which time your loan was ninety-four (94) days delinquentOn August 17, 2015, we received payment for amount due; the vehicle was released, and was redeemed from the agent on August 20, We have no record of any subsequent repossession after that timeAccording to our insurance center, your insurance policy for your vehicle was cancelled on December 16, Therefore, on December 28, 2015, January 25, 2016, and March 1, 2016, our insurance center mailed notification letters to the primary borrow at the address we had on file at the time to advise that we had not received proof of insurance coverageI have enclosed copies of the letters sent for you reviewSince we did not receive proof of insurance from either borrower, on March 16, 2016, force placed insurance costing $2,was added to your loanOur insurance center contacted your insurance agent at [redacted] and was advised on March 30, 2016, a new policy was written with comprehensive coverage for the [redacted] However, the effective date of the policy was May 24, Therefore, on May 27, 2016, our insurance center cancelled the insurance policy that was added to your loan and $1,was refunded back to your loanWhen this insurance coverage was cancelled, your monthly payments were adjusted to $to pay for the coverage that was in place from December 16, 2015, until May 27, You should have received a new coupon book with the updated payment amountIf you have not received the new coupon book, please contact me at the phone numbers listed below and I will be happy to send out a new bookAs of today, your loan is past due $1,since the payments made in April and May were not the full payment amountsPlease make a payment of $1,at your earliest convenience to bring your loan current and to avoid further collection proceedingsYou may send the payment to me directly at: Fifth Third Bank Office of the President Attn: [redacted] Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH We appreciate the opportunity to review your additional concernsYou are a valued customer and we sincerely hope that you will continue using Fifth Third Bank for your financial needs in the futureIf I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, [redacted] Office of the President Pc: Revdex.com Enclosures: Contract, Insurance notices

[redacted] Montgomery LaneSpringboro OH 45066Date: August 19, 2015Account: [redacted] Regarding Your Real Life Rewards Credit CardDear [redacted] :We received a copy of the complaint you filed with the Revdex.com concerning your Real Life Rewards Credit CardWe 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 youPlease be assured we have passed on your concerns to the relevant parties within the BankI 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 Real Life Rewards Credit Card account ending in ***On August 15, 2015, per your request, a temporary block was placed on the accountPlease note the temporary block allows up to sixty (60) days to locate the card prior to the block becoming permanentIf you locate the card and would like to remove the temporary block, please call Customer Service at ###-###-####, Monday through Friday, a.mto p.m., and Saturday, 8:a.mto p.m., ETIf you wish to request a replacement for the lost card, a $fee will apply as outlined on page four (4) of the enclosed Fifth Third Card AgreementI am sorry for any inconvenience or frustration this has caused you.Thank you for your patience while we researched this matter for youWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.April Q.Office of the PresidentPc: Revdex.comEnclosure: Fifth Third Card Agreement

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 message is in regard to my rebuttal to the Business involved response letter to my concerns submitted on 3/11/against Fifth Third Bank.My complaint did not receive the adequate and fair business's response to my concerns, and their contents of the message is Not correct and bot accurate--The company did not address the issuesThat my account was closed on Febth by my signature and withdrawing all the money after checking that all pending issues were closedInfact, They are making it worse! They Added more charges and penalties to a closed account to make more money and take advantage more of the simple situation--why?The facts are That I closed my Account on Feb 25Th to Zero Balance after taking all my assists in a cashier checkMoreover, they were not supposed to take any more monies or pay debit payment since I signed a form and told the lady in charge to not to! However, it seems that this company is having financial trip led closing branches and releasing employees and moreover taking advantage of its client who trusted them with their assistsWe customers have the inability to fight them due to gist and time and they know it -- so they charge us unfair charges.The breach of the Business agreements by not meeting better Business laws to serve their consumers here in the US.Please take the necessary measures to castigate such a behavior-- an unfair fraud and devious behavior by these Banks for future generations sake .Last I want to remind them that What goes around comes around and that righteousness is High!Thank You [redacted] ***

[redacted] ***Date: September 30, 2015Account: [redacted] Regarding Your Checking Account Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.com dated September 21, 2015, concerning the Early Access Feature (EAX) on your checking account We appreciate the time you have taken to express your thoughts and concerns regarding this matter.Our goal is to provide professional and accurate service to our customers and I am sorry if that has not been your experience Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns.Our records indicate that you enrolled for the Early Access line of credit via the internet on July 29, At that time, we provided and you agreed to a copy of the Early Access Terms, and Conditions, which advise the Early Access account, may be closed if the associated checking account is in a current bankruptcy proceeding Unfortunately, when you filed bankruptcy on September 9, 2015, it caused the Bank to close out your Early Access account I have enclosed a copy of the Terms and Conditions for your reference Page provides additional information regarding customers who are eligible for the Early Access line of credit product.Please be assured that it was not our intention to cause you any undue hardship We empathize with the financial difficulties you are experiencing at this time.You have been a valued customer since and we sincerely hope that you will continue using Fifth Third Bank for your future financial needs On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused you If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely,Carolyn G.Office of the President Pc: Revdex.com

[redacted] [redacted] ** [redacted] *** Date: March 28, Account: [redacted] Regarding Your Essential Checking Account Dear [redacted] : We received a copy of the letter you sent to the Revdex.com concerning your Essential Checking accountWe appreciate the time you have taken to express your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease also accept my sincere apologies for the difficulties you experienced when you previously contacted the Bank regarding this matterPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfactionOn March 21, 2017, the beginning balance in your checking account was $On March 21, 2017, two (2) items posted to your account totaling $Due to insufficient funds in the account to pay one (1) of the items that posted to the account, one (1) overdraft fee totaling $was assessed and posted to the account the following dayThe ending balance in your checking account on March 21, was negative ($94.69)A copy of the Overdraft Notice dated March 22, 2017, is enclosed for your review and convenienceOn March 22, 2017, the beginning balance in your checking account was negative ($94.69)On March 22, 2017, three (3) items posted to your account totaling $Due to insufficient funds in the account to pay one (1) of the items that posted to the account, one (1) overdraft fee totaling $was assessed and posted to the account the following dayThe ending balance in your checking account on March 22, 2017, was negative ($461.68)A copy of the Overdraft notice dated March 23, 2017, is enclosed for your review and convenienceIt is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank errorHowever, pursuant to your previous fee waiver requests, we have reversed $in overdraft fees over the past twelve (12) months, as a courtesy to youIn most circumstances, additional courtesy overdraft fee reversals would not be warranted; however, since we empathize with your situation, we have reversed an additional $in overdraft fees on March 27, Except in the case of a Bank error, any additional overdraft fee reversal requests over the next twelve (12) months will be declinedI want to be sure that you are aware that the Bank offers several options for Overdraft ProtectionOverdraft Protection for a checking account allows funds from another account to be transferred into the checking if the checking account becomes overdrawnIf you are enrolled in Overdraft Protection, funds are automatically moved from another Fifth Third account that you ownAlthough there is an overdraft transfer fee of $per transfer, this is less than the fees that are assessed when your checking account becomes overdrawn without Overdraft ProtectionFor more information about Overdraft Protection, please visit your local Fifth Third Banking Center or contact our Customer Service Department at ###-###-####, Monday through Friday, a.mto p.m., ET, Saturday 8:a.mto p.m., ETYou will also find additional information on our website at 53.comI 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 occurrencesYou may sign up for a variety of alerts, including a text or email alert to notify you when your balance falls below a threshold that is comfortable for youThis real-time alert will notify you any time your debit card and Automated Teller Machine (ATM) transactions result in a balance lower than your designated alert thresholdBecause checks and electronic payments are processed overnight, we cannot currently offer a real-time alert when your account becomes overdrawnHowever, 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 overdrawnFor example, you could set up an alert to notify you when the balance reaches $You could then review the account activity to determine if all of your authorized transactions have posted, and if not, determine how much additional funds you will need to deposit to cover any outstanding itemsYou can also schedule an alert that notifies you when an overdraft notice is available to be viewed on our websiteWhile 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 assessedFor a list of the account alerts offered by the Bank, please visit the alerts section within online banking or our mobile appFor your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the futureInformation regarding overdraft coverage options is also provided on the enclosed document [redacted] , thank you for your patience while waiting for a responseIt is a well-known fact that no business can survive without its customers, and I want to assure you that we truly value your banking relationship with usIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Adam P.Office of the President Enclosures (3): Overdraft Notices; Overdraft Solutions for Consumers Document

[redacted] [redacted] *** Date: March 9, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of your complaint recently filed with the Revdex.comWe appreciate the time you have taken to document your thoughts and concerns regarding this matterPlease be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concernsOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youIt was certainly not our intention to cause you any hardshipFifth Third Bank takes your feedback seriously, and I 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’ satisfactionWe are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulationsThe Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraudOn the day of your deposit, a combined $from all deposited checks is available immediately; the remaining funds will be made available on the next business dayCash deposited into an account is immediately availableFor deposits made on Saturday, Sunday, or a Federal Holiday, the day of your deposit is the next business dayA business day is defined as Monday through Friday, excluding Federal HolidaysDeposits received after certain cut-off times may be credited as of the next business dayIn some instances, we reserve the right to place a hold of a longer period of time on a depositThe full amount of the deposit will not become available until the hold has endedAvailability of the funds will generally be no later than the 7th (seventh) business day after the day of your depositFor your convenience, I have enclosed a copy of our Rules and Regulations, which you received upon opening your accountPlease refer to pages eighteen (18) and nineteen (19), which provide additional information regarding funds availability policyOn February 22, 2016, you deposited a check not drawn on a Fifth Third account in the amount of $4,A hold was placed on this deposit due to the repeated overdrafts that had occurred on your checking accountIn the six (6) months prior to this deposit, your account had become overdrawn on four (4) occasionsBecause your deposit was not made in person, we were unable to notify you at the time of the deposit that there would be an extended hold on the fundsThe hold was in fact placed systematically based on the information received at the time of depositFor this reason, we mailed a notice to you at the address listed above on February 23, 2016, that notified you of the hold that we placedThe notice explained that the $4,would be on hold and would become available to you on March 2, I have enclosed a copy of the hold notice for your convenienceI would like to assure you that the hold placed on your deposit was not intended to cause you any hardshipYour checking account did not become overdrawn during the timeframe that the hold was in effect and no overdraft fees were assessed to your accountFifth Third Bank is a financial services company committed to serving the banking needs of our communityOur research indicates that our customers appreciate the flexibility and convenience of our Early Access product in situations where they need funds quickly and they do not have access to less expensive forms of creditWe work hard to provide our customers with easily accessible information about this product and its alternatives so that they can make informed decisionsEarly Access allows eligible and enrolled customers to borrow funds in advance from their next direct deposit on their checking account with a transaction fee of $for every $advanced to your checking accountEarly Access is designed to help our customers meet their short-term borrowing needsIt is not intended to provide a solution for longer-term financial needsWe offer other forms of credit with competitive and lower interest rates that are more suitable for longer-term financial needs including our credit card or installment loan productsWhen you use Early Access, the account must have direct deposits greater than $made into it to use the programThe Bank will debit the amount owed out of your next direct deposit greater than $to repay the advanceIf you cancel direct deposit or it is less than $100.00, you have thirty-five (35) days from the date of the advance to make the paymentIf payment is not made by the end of the 35th day, the Bank will debit the outstanding advance balance owedI have enclosed a copy of the Early Access Terms and Conditions for your recordOn February 29, 2016, you advanced $from Early Access to your checking account due to concern about your account becoming overdrawnIt is important to ensure your accounts have enough funds to cover the transactions you have authorizedHowever, we sympathize with the difficulties you encounteredTherefore, in the interest of customer service, we have reversed the $fee you were charged for that Early Access advanceOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you [redacted] , thank you for your feedback and patience while waiting for a responseWe strive to provide professional and accurate information to our customers and we regret the difficulties you encounteredYou are a valued customer and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Jennifer COffice of the President Enclosures (3): Rules and Regulations Deposit Hold Notice Early Access Terms and Conditions

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