PROCORPSA

[redacted] ***Date: December 14, Account: [redacted] Regarding Your Mortgage LoanDear [redacted] : We received a copy of the complaint filed through the Revdex.com by your wife on November 4, concerning the refinance of your mortgage loan We appreciate the time she has taken to document your thoughts and concerns regarding this matter We are responding to you as you are the only account holder listed on the original mortgage loan.We strive to provide professional and accurate service to our customers and I regret that the service you received did not meet that same high standard 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.We empathize with the difficulties you encountered with your application for the refinance of your mortgage loan Therefore, in the interest of customer service, we have refunded the $application fee that you previously paid I appreciate this opportunity to address your concerns 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., ET.Sincerely, Carolyn G.Office of the President Pc: Revdex.com

[redacted] ***Date: November 18, Account: [redacted] Account: [redacted] Regarding Your Checking AccountsDear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning the overdraft fees assessed to your checking accounts We appreciate the time you have taken to document your thoughts and concerns regarding this matter.We strive 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.On October 9, 2015, the balance in your checking account ending in [redacted] was $ Eleven (11) items totaling $posted to the account that day, creating an ending balance of negative ($446.17) Due to non sufficient funds a total of $in overdraft fees were assessed to the account The ending balance was negative ($557.17)On October 6, 2015, the balance in your checking account was $ Seven (7) items totaling $posted to the account that day, creating an ending balance of negative ($318.91) Due to non sufficient funds overdraft fees totaling $were assessed to the account The ending balance was negative ($392.91)The following is the order in which we post transactions to your account at the end of each business day Please note that we do not process transactions on Saturday, Sunday or Federal Holidays Start with ending Daily Balance from the prior business dayThis can be found on Internet banking at www.53.com, by reviewing your periodic statement or by calling ###-###-####Add in Credits (+)• Examples of credits (+) may include:o Posted deposits, including direct deposit of your paychecko Funds available from Pending Deposits (such as ATM deposits and Mobile deposits)o Transfers into the account such as ACH and wire transferso Online/telephone transfers into the accounto Refundso Returned itemsDeduct posted Timestamped Debits (-) oldest to most recent• Examples of Posted Timestamps debits (-) may include:o Posted ATM Withdrawalso Posted Debit Card Purchaseo Posted online/telephone transfers to another Fifth Third Accounto Posted wire transfersDeduct posted Batch Debits (-) largest amount to smallest amount• Examples of Deduct posted Batch Edits (-) may include:o Posted Checks writteno Posted online/telephone transfers to a non-Fifth Third accounto Posted Internet Banking bill paymentso Posted outgoing ACH transfers (automatic bill payments)o Posted outgoing wire transfersDeduct Fees and Service Charges (-) largest amount to smallest amountPlease note that this posting order may change due to circumstances beyond the Bank’s control, such as changes or disruptions in network processing or processing delays by a third partyThis posting order is the same whether you accept or decline Overdraft Coverage for ATM transactions and one-time debit card transactionsThe cut-off times for deposits may vary depending on how the deposit to your account is processedThe cut-off times are documented on page of the Rules and Regulations booklet that you should have received upon opening your account The Rules and Regulations booklet is also available upon request at any Fifth Third Bank locationI have included a copy of the Rules and Regulations booklet for your review.We 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 fraud Up to $of the total of your check deposits for the day, made prior to cutoff times, will be immediately available to you on the day we receive the deposit The remaining funds will be available on the first business day after the day we receive the deposit Please refer to pages eighteen (18) and nineteen (19) of the Rules and Regulations booklet that is enclosed for additional information regarding deposits For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions This guide provides additional information related to the overdraft fees that we assessed to your personal account We also offer ways to track your balance and manage accounts to help avoid overdraft fees on your accounts in the futureWe empathize with the difficulties you have experienced with your checking accounts Therefore, in the interest of customer service, we have reversed overdraft fees totaling $on each of your checking accounts We are not willing to reverse any additional overdraft fees.I can assure you that it was not our intention to cause you any frustration or an undue hardship 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., ET.Sincerely, Carolyn G.Office of the President Pc: Revdex.comEnclosure: (2)

Revdex.com: While I appreciate the response from Fifth Third Bank and the credit to our account, 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 We never received any of the letters sent by Fifth Third Bank notifying us of the added insurance placed on the vehicle without our knowledge We physically walk into the bank each month to make our payments and we were never told about the additional fees that were added onto our account Even though we did have insurance on our vehicle the entire time We tried providing proof of insurance from our old policy from [redacted] , but it was not accepted by Fifth Third Bank We have no access to any online account to view our loan since we do not physically have a checking and/or savings account through Fifth Third Perhaps this would have alleviated our issues if we could have viewed our loan details online and seen the additional charges right away it would not have come to thisWe feel this is not up to current industry standards in 2017, we should be able to access our account online at any time.When we called the Repossession Department we were told that it needed to be paid in cash, but we had no idea they really wanted us to pull over $1000+ in cash out of our account and walk it into the Fifth Third Bank branch This process also seems to very outdated and downright dangerousIt seems like the cashier's check or money order could have been a valid option, but neither of these were brought up Throughout this entire process everyone but the local branch contact was very difficult to deal with and added unnecessary stress to an already stressful circumstanceEven the local branch contact had issues with internal contacts when trying to assist us.We did receive a credit of $for overpayment from Fifth Third Bank which shows that they were in error when reviewing our accountWe are still trying to recover for having to pay this large amount of money at one time, and then in turn we're told that we overpaid So you can imagine our feelings toward Fifth Third Bank and this whole ordeal Regards, [redacted] ***

We are in receipt of your letter dated August 29, 2016, regarding the informal complaint filed by [redacted] We have had the opportunity to investigate this Complaint and offer the following information.After investigation, Armstrong removed the late fee from Ms [redacted] ’ accountMs [redacted] ’ remaining balance is due September 11, At this time, Armstrong considers this matter closed.Armstrong encourages Ms, [redacted] to contact our Customer Service Center if she has any additional questions or concernsThank 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 Team

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is temporary solution to a larger problemMsSwas able to take care of the original double payment within a few days, not like we had originally been told, and for that, we are appreciativeWe are still however, not able to sign up for AutoPay on the 5/3rd website, as our account is now locked from their sideMs Ssaid she was not sure whyI sent the mortgage check directly to MsS., and also included a letter inquiring as to whether or not we could have a payment booklet of some sort sent to us, so that future postal mail payments are delivered and received properly My husband has since sent screenshots of error messages we have received in the month of December when trying to pay our mortgage online, through their very own website, and have not been apprised of any progress on that endWe will try this new auto Pay she has suggested in the hopes that we may finally be able to take care of our mortgage payments as effortlessly as we have with previous lenders Regards, [redacted]

[redacted] *** [redacted] *** [redacted] *** Date: August 20, Account: [redacted] Regarding Your Installment Loan Account Dear [redacted] ***: We received a copy of your complaint filed with the Revdex.com, concerning your Fifth Third Bank credit cardWe appreciate the time you have taken to bring this matter to our attentionYour feedback is important to us, so that we can better understand how we can improve our service to youAdditionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfactionWe conducted a thorough review of the Real Life Reward promotions offered by the Bank during Our review determined that the Bank did not offer a promotion for cardholders to earn 8,reward points for spending $on their Real Life Reward [redacted] by March 31, The Bank did offer a promotion for cardholders to earn 2,reward points for spending $on their Real Life Reward [redacted] from April 1, through June 12, We regret that you did not meet the requirements for this promotion in the time frame allottedIn order for us to research the Real Life Reward promotion for 8,reward points further, please send a copy of the promotional offer to the following address: Fifth Third Bank Office of the President Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH Alternatively, you can fax this information to my attention directly at ###-###-####

[redacted] [redacted] *** [redacted] *** Date: December 8, 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 accountWe appreciate the time you have taken to document your thoughts and concerns, and we sympathize with the difficulties you have experiencedOn November 25, 2015, we received a deposit in the amount of $1,229.47, per our funds availability policy, $of this check deposit was immediately made available to youThe remaining $1,would not be made available to you until the following business day, which in this instance was November 27, 2015, due to the holidayFor additional details on the funds availability policy, please refer to page eighteen (18) of the enclosed Rules and RegulationsIn addition, daily overdraft calculations are further explained on page eleven (11) of the Rules and Regulations, which explains the daily overdraft calculations and how debits and credits are assessed to your accountAs detailed in this section, debits from the account are processed in the following order: ATM withdrawals, debit card purchases, online/telephone/mobile transfers, transfers such as online/automatic bill payments (ACH) and wire transfers, checks written from your account, and fees and service chargesWe completed a review of the Essential Checking account ending in ***On November 27, 2015, we sent the enclosed overdraft notice to the address listed above, detailing the overdraft that occurred on November 25, The available balance at the beginning of the day was $283.10, and $was made available from the previously mentioned deposit, totaling $The debit card purchase, merchant payment, and ATM withdrawal that posted to the account on November 25, 2015, totaled $335.30; these three (3) transactions were not assessed an overdraft fee, as the funds were availableHowever, the three (3) checks were posted to the account, totaling $146.45, there were no available funds, and the account was overdrawnEach of the three (3) checks were assessed an overdraft fee in the amount of $37.00, totaling $Our review of the account determined there was no error in assessing these feesHowever, in the interest of customer service, on November 29, 2015, $of the overdraft fees were reversed and credited back to the accountBecause there was no error is assessing the fees, we are unable to accommodate your request for additional fees to be waivedI am sorry for any frustration this may cause you and for any difficulties you may have experienced when contacting the BankThank you for your patience while we researched this matter for youIf 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, April QOffice of the President Pc: Revdex.com Enclosure: Rules and Regulations, Overdraft Notice

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.]If this is all you can do to help, I must try other avenues Regards, [redacted]

[redacted] [redacted] * [redacted] *** Date: October 29, Account: [redacted] Regarding Your Essential Checking Account Dear [redacted] : We received a copy of the letter you sent to the Revdex.com regarding your Essential Checking account ending in ***We appreciate the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your accountYour remarks about how the Bank processes transactions and handles account overdrafts are very concerningPlease be aware that the Bank utilizes a standardized method for processing transactions and handling account overdraftsFifth Third Bank processes transactions at the end of each business dayThis does not include Saturdays, Sundays, and Federal HolidaysTransactions are posted in the following order: Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability PolicyTime-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are receivedAll other debits including checks, and electronic bill payments, in the order of largest amount to smallest amountFees and service charges in the order of the largest amount to the smallest amountThe information displayed on the Bank’s website at www.53.com, is provided as a convenience to our customersIt is designed to assist our customers in monitoring their accountsPlease note that when a check is outstanding on your account, it will only be displayed on our website after it has posted to your accountFor this reason, it is important to ensure that you have sufficient funds in your account to cover transactions you authorizedA check that has been presented for payment posts to your account at the end of the business day on which it is presented for paymentBecause of this, if you view your account balance on our website before the end of the business day on which the check is presented for payment, the check being presented for payment will not be reflected in the account balanceIt will be reflected in your account balance on our website the next business dayOn September 30, 2015, the ending balance in your checking account was $On October 1, 2015, check number in the amount $posted to your accountThe ending balance in your account on October 1, 2015, was $On October 2, 2015, the debit card purchase of $at Fazoli’s posted to your accountThe ending balance in your checking account on October 2, 2015, was negative ($4.23)On October 5, 2015, you initiated a $transfer from your checking account to your Access card, overdrawing your account furtherIf this was done by mistake, we have no record of you making an adjustment and transferring the funds back to your checking accountThe ending balance in your account on October was negative ($8.46)Your checking account was then assessed a $overdraft fee and the $monthly service on October 6, resulting in a negative balance of ($56.46)I have enclosed a copy of your account statement for your reviewIt was certainly not our intention to cause you any hardship, but our research did not reveal any wrongdoing by Fifth Third BankWe also believe that we assessed applicable overdraft fees to your account in accordance with the Bank’s policies and procedures; however, we are still willing to help youIf you deposit $into the account, which is the amount owed on the account before any fees were assessed, we will reverse the fees that have been charged on the account since October 5, 2015, and close the accountPlease be aware that this cannot be done until you deposit $into the accountI have tried to call you at the number we have on file for you but have not been able to reach youPlease visit a Fifth Third Banking Center to deposit $into your account as soon as possiblePlease also be sure to bring this letter with you when you make the deposit so that I can be contacted after the deposit is made and then ensure that the account gets closedIf 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 POffice of the President PC: Revdex.com Enclosure: Statement

Message from intended receiver of fundsDear ***, Grateful if you could help to follow up the wire transferMaybe there is some wrong with the transfer as my finance department confirms that the TT transfer has not yet be found in our bank accountsFor your information, our bank’s details are as follows:- You may check with the bank againThank you so much for your help ! Account No: [redacted] Banker : [redacted] , [redacted] Banker's Code : Code nois [redacted] Banker's Address : [redacted] ***, [redacted] , [redacted] ***SWIFT Code : [redacted] *** Thank you so much [redacted] [redacted] ** [redacted] [redacted] [redacted] *** [redacted] , [redacted] *** Mobile : [redacted] *** Tel : [redacted] *** Fax : [redacted] *** Email: [redacted] @ [redacted]

[redacted] [redacted] *** [redacted] *** Date: July 27, 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 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 matterYou advised that your mortgage company processed a double mortgage payment from your Fifth Third Bank checking account in errorI confirmed that the payment processed on July 17, The beginning balance in your checking account on July 17, 2017, was $1,There was a $deposit to the account that day, which increased the balance to $1,Eleven (11) transactions posted to your account that day, including a $2,Automated Clearing House (ACH) transaction from [redacted] ***The ending balance in your checking account on July 17, 2017, was negative ($905.00)Four (4) transactions were paid while the account balance was negativeAs a result, four (4) overdraft fees of $each were assessed to the account on July 18, Enclosed is a copy of the Overdraft Notice that was issuedI confirmed per the previous transactions in your checking account that the payment processed by [redacted] is typically for $1,The $2,amounts to two (2) payments of $1,A wire transfer was credited to your account on July 19, 2017, for $1,Per the enclosed Consumer Account Pricing & Services document, there is a $fee to receiving an incoming wire transferThe fees assessed by Fifth Third Bank were debited from your account correctlyNo error on behalf of Fifth Third Bank occurredBecause you advised that your mortgage company deducted the funds in error and then sent the wire transfer through to correct the situation, we waived the total $in overdraft fees and the $wire transfer fee as a courtesy to youI am very sorry for the dissatisfaction you experienced as a result of this situationPlease note that if [redacted] deducts extra funds in error in the future, we will not be able to waive resulting fees because it is not a Fifth Third Bank errorIn the event of a future error by [redacted] ***, you would need to contact [redacted] directly to request reimbursement for fees assessed as a result of their errorWe 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 H.Office of the President Pc: Revdex.com Enclosure: Overdraft Notice, Consumer Account Pricing & Services

[redacted] [redacted] *** [redacted] *** Date: November 30, Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted] : We received a copy of the complaint you filed with the Revdex.comWe are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concernsWe strive to provide quality service to all of our customers and I am sorry for your unsatisfactory experience during your previous attempts to resolve this matterPlease be assured we have researched this matter fully, and passed your concerns on to the relevant parties within the BankYou opened the Essential Checking Account ending in [redacted] on July 12, 2016, in order to take advantage of a promotion where the new account would receive a credit of $if the qualifying activity criteria were satisfiedThe qualifying activity included setting up direct deposit and making three (3) online bill payments using Fifth Third Bank’s online bill payment service within ninety (90) days of opening the accountI have enclosed an example of the terms and conditions listed on the promotional materialBecause the online bill payment requirement was not satisfied, the account does not qualify for the $promotional bonusI regret that you found the process of setting up a payee in our online bill payment service difficultIn order to add a payee through the mobile app, please follow these steps: Log into the mobile banking app; Select the MENU ICON located in the top left corner of the screen; Click PAYMENTS; Click the ADD PAYEE icon (envelope with a plus sign) located in the top right corner of the screen; Select ADD PAYEE; Enter the Payee Name; aIf the Bank has a relationship with the payee, suggested matches will appearSelect the correct payee address from the listEnter your Account Number; Enter the address of the Payee, if required; Click ADD located in the top right corner of the screen; The next screen displayed will be the NEW PAYMENT screen where you can initiate a payment to the new payeeOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youYou are a valued customer and I appreciate this opportunity to address your concernsIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Alison S.Office of the President Pc: Revdex.com Enclosure

I spoke to Brandy W [redacted] she was not helpful the staff there still gives me attitude when I call I emailed Brandy several occasions she does not respond still no CLARIFICATION WHY MY APPLICATION IS PENDING IF ANY AND NO DENIAL LETTER WAS SENT TO ME STATING IF I WAS DENIED ?BEEN IN THIS HOOP SINCE AUGUST AND MO LETTER STATING PACIFICATION WHAT IS NEEDED TO PROCESS THIS APPLICATION THEREFORE I DONT SEE ANY LEGAL GROUNDS WHY THEY WOULD DENY MY MORGTAGE APPLICATION AND IM STILL WAITING FOR THE MONTH OH SEPTEMBER MY CREDIT WAS RAN MORE TIMES WHICH I ONLY AGREED TO ONE TIME IN SEPTEMBER I DONT KNOW HOW THIS BUSINESS IS GETTING AWAY WITH SO MUCH STUFF AND FOR AUGUST CREDIT PULL IT IS STILL SITTING ON MY CREDIT REPORT IT IS CLOSE TO DAYS AND IT IS STILL THERE SO THEY ARE NOT DOING THERE JOB CORRECTLY

[redacted] *** [redacted] *** [redacted] *** Date: September 2, Account: [redacted] Regarding Your Checking Account Dear [redacted] ***: We received a copy of your complaint filed with the Revdex.com concerning your checking account with Fifth Third BankWe 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 or frustration this matter may have caused youPlease be assured that we have contacted the relevant parties to fully research your account and passed on your concernsAfter we received your complaint, we reviewed the activity on your checking account prior to the date the account was charged off and closedOur review determined that the payments that posted to your account from [redacted] were ACH (Automatic Clearing House) paymentsFor an ACH payment to be processed, the related merchant would need to have your checking account number and the bank’s routing numberIf you had outstanding ACH payments that you wished to stop from posting to your account, you had the ability to make arrangements with the payees involved or place a stop payment for each itemWhen requesting a stop payment, we require the exact details of the ACH item including the item date, the payee involved, and the payment amount at least three (3) business days before the payment was scheduledThe fee to place a stop payment is $per itemIn the event that your checking account became overdrawn, the posted items may have been returned unpaid and subject to overdraft feesThe per item overdraft fee was based on the number of occurrences in the previous twelve (12) monthsWhen your account was opened, on February 4, 2010, for the first occurrence, you were charged $per itemFor the second through fourth, the fee was $The fifth occurrence and higher was $per itemIn addition, an $daily overdraft fee was assessed when the account remained overdrawn for three (3) daysThis fee was charged for every calendar day the account was overdrawn and it continued to be assessed for daysOn June 29, 2010, the available balance in your checking account was positive $A deposit in the amount of $posted to the accountOne (1) ACH payment of $from Prematic CorpInsPremposted to the account and a merchant payment for $was pending on the accountDue to insufficient funds, the payment from [redacted] was returned and we assessed one (1) overdraft fee of $33.00, which posted the following dayYour account remained overdrawn everyday thereafterDuring that time, additional transactions posted to your account which caused additional fees to be assessedThe account was charged off for $and reported to ChexSystems for collection proceedings on August 31, I have enclosed the related checking account statements for your reviewThis charged off checking account was sold to [redacted] on June 10, For additional information pertaining to your charged off account, we recommend that you contact [redacted] by the following address: [redacted] [redacted] *** [redacted] *** Please be aware that [redacted] may have sold the acquired debt to another collection agencyIf you’re contacted by any collection agency, you may request validation of the debt in question and contact information in which the agency is calling you fromWe strive to provide professional and accurate service to our customers, and we sympathize with any difficulties you encountered regarding your accountIf I may be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.mETSincerely, Lisa SConsumer Resolution Specialist Office of the President Pc: Revdex.com Enclosure: Checking Account Statements

[redacted] *** [redacted] [redacted] *** Date: January 30, Account: [redacted] Regarding Your Mortgage Loan Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.com concerning your mortgage loanWe appreciate the opportunity to respond to this matter, and we sympathize with the difficulties you have experienced because of Hurricane ***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 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’ satisfactionAs you are aware, the Bank provided a three (3) month payment forbearance for our customer’ whose homes are located within a Federal Emergency Management Area (FEMA) disaster zoneThe three (3) month payment forbearance means that you are not required to make a mortgage payment during the forbearance periodIn addition, late charges will be waived and no negative credit reporting will be sent to the credit reporting agenciesHowever, although loan payments are not required during the forbearance period, interest will continue to accrue, as the loan is still activeIt should be noted that a forbearance period does not defer payments and place them at the end of the loanAt the end of the forbearance period, we extended three (3) options: Provide a lump-sum payment to bring the loan current [redacted] No late fees will be charged during the ninety (90) day period [redacted] This would not negatively impact your credit reportExtend the payment relief forbearance period [redacted] Additional forbearance in three (3) month periods, up to a total of twelve (12) months [redacted] No late fee will be charged during the forbearance period [redacted] This would not negatively impact your credit reportRequest a modification to your mortgage loan**Avoid making a lump-sum payment [redacted] May keep a similar monthly mortgage payment [redacted] There is minimal paperwork and no closing costs are charged [redacted] This change would not negatively impact your credit report [redacted] The term of the loan would be extendedI have enclosed the letter that was mailed to you on January 4, 2018, which explains these options to youThis letter also asks that you complete either the Verification of Employment form or a modification application if you would like to modify your loan and provides our contact information if you would like to discuss these optionsPlease note that we are unable to move forward with a modification without this documentationWe regret any difficulty this may have caused youPlease be assured that due to the forbearance, you were not required to make a payment between October 1, 2017, and December 31, On September 29, 2017, a call was made to our Auto BillPayer Department to place a temporary hold on your Auto BillPayer paymentsI have confirmed that the payment hold was successful and Auto BillPayer did not draft any payments during that timeDuring the telephone call with the Auto BillPayer Department, we confirmed for you that the payments were on hold until December 31, 2017, and that payments would resume on January 1, 2018, without any further action from youAs a result, a payment in the amount of $was drafted via Auto BillPayer on January 5, However, we also received a payment from you in the amount of $on January 2, Please note that this was not a payment drafted in error by Auto BillPayer but rather a payment that was initiated via 53.comPer your request, we reversed the January 5, 2018, payment on January 11, 2018, and returned these funds to your checking accountAs of January 25, 2018, we have not yet received payments to satisfy the November 1, 2017, December 1, 2017, or January 1, 2018, due datesIf you are still experiencing a hardship and would like to discuss your options, such as a loan modification, please contact our Loss Mitigation Department at ###-###-####, option 3, Monday through Friday, a.m., to p.m., ETOur specialists would be more than happy to assist you in reviewing the options available to youWe strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused youIf 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 M.Office of the President Pc: Revdex.com Enclosure: Letter Dated January 4,

[redacted] [redacted] *** [redacted] *** Date: July 17, Account: [redacted] Account: [redacted] Regarding Your Recent Debit Card Dispute Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning your recent debit card disputeWe appreciate the time you have taken to document your thoughts and concerns regarding this matterI attempted to contact you on June 27, 2017, to discuss this matterUnfortunately, I have not been able to contact you by telephoneOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have causedPlease 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’ satisfactionOur research determined you contacted the Dispute Resolution Department (DRD) and disputed a purchase with [redacted] **Upon contacting the DRD the investigator opened case [redacted] to research your claimsThe Bank did provide credit to your account while investigating your concernsPlease find enclosed a copy of the letter mailed on February 27, 2017, informing you that the temporary or provisional credit of $was provided to allow you access to the funds while the dispute was under investigationOn April 25, 2017, the DRD notified you that your claim was deniedThe credit provided to your checking account was reversed as a result of the investigationAs noted on the letter, the Bank did honor any items, including but not limited to, any checks, drafts, or similar instruments payable to third parties, as well as preauthorized and electronic funds transfers from your account (without charge as a result of an overdraft), up to the amount of your dispute, that post to your account for five (5) business days after the transmittal of this noticeFor your review, please find enclosed copies of the documents provided by the merchant in regards to your disputeThe documentation indicates that the address on the invoice matches the address on your customer profile and the address this response is being mailedThe documents provided by the merchant indicated the transaction was authorized by [redacted] If you have not authorized [redacted] to use your account, please contact the DRD to speak with the investigator assigned to your claimPlease reference case [redacted] when speaking with the DRDThe Bank had no prior knowledge that [redacted] had no authority to conduct the transaction in question on your behalfIn researching your concerns, we have contacted the DRD and reasserted the fraud dispute on your behalfWe may contact you during the investigation to help us resolve this issueIf you have information that will assist the DRD in researching your unauthorized purchase claim, please contact the DRD at ###-###-####, Monday through Friday, a.mto p.m.; Saturday, 8:a.mto p.m., ETAs mentioned above, if you have not authorized [redacted] to use your debit card, please contact the investigator at your earliest convenienceOn June 20, 2017, the Bank closed and charged off your checking account ending in ***There was a negative ending balance of ($289.05)The account was sent for collection to [redacted] If you would like to make a payment arrangement for the uncollected balance, you can call [redacted] at ###-###-####, Monday, a.mto p.m.; Tuesday and Wednesday, a.mto p.m.; Thursday, a.mto p.m.; Friday, a.mto p.m., ETIn addition, our research determined the Bank has reported the negative account activity to [redacted] [redacted] is a national specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA) that retains checking or saving account information reported by financial institutions [redacted] reporting may prevent you from opening deposit accountsIf you would like to contact [redacted] , you may contact [redacted] , on the internet at www.consumerdebit.com, via telephone at ###-###-####, or by mail at: [redacted] , [redacted] [redacted] *** [redacted] We appreciate your patience while we researched your requestIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Merchant Documents Provisional Credit Letter Denial Letter

[redacted] Date: August 17, Account: [redacted] Regarding Your Savings Account Dear *** ***: We received a copy of the complaint filed with the Revdex.com regarding the monthly service charges assessed to your savings accountWe appreciate the time you have taken to document your concerns regarding this matterYour comments expressing less than quality customer service are very concerningWe strive to provide accurate and professional service to our customers and I regret if this is not the level of service you receivedPlease be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received and passed along your concernsOur savings accounts have a $monthly service charge that is automatically waived if one of the following is met: You have a Fifth Third checking account, with the same ownership.You maintain an average monthly balance of $or more.You are a minor or someone under the age of eighteen (18) is an owner of the account.You are enrolled in Fifth Third Military BankingI apologize if you were not previously aware of these requirementsI have enclosed an additional brochure of our savings accounts for your reviewThis brochure was provided to you at the time you opened your savings accountA statement of your activity is sent out each quarter on savings accountsI have enclosed copies of each statement that was sent to the address on fileI regret any frustration this matter may have caused youOur records indicate that a total of four (4) monthly service charges were waived on your account by Felecia G., Financial Center Manager at the [redacted] Banking CenterAfter the fee waivers, the balance in your account was $On August 7, 2015, you withdrew this amount and closed out the savings accountAt this time, your savings account remains closed.Thank you for your patience while we researched this matter for youYou 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., ET.Sincerely, Lisa SOffice of the PresidentPc: Revdex.comEnclosures: Savings Account Statements, Savings Account Brochure

[redacted] [redacted] [redacted] *** Date: April 20, Account: [redacted] Regarding Your Mortgage Account Dear [redacted] : Thank you for contacting the Bank, regarding your Fifth Third Bank mortgage loanOn behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused youIf a payment does not post by the due date it is considered delinquent and is subject to collection activityThe Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8:AM until 9:PM, including holidaysSeveral calls may be placed each day in an effort to obtain a payment or to arrange suitable payment arrangementsWhen making telephone calls our Collection Representatives will strive to resolve the issue in as timely a manner as possible in order to provide professional and accurate assistanceOur records show that the collection calls stopped once the payoff of $70,posted to your mortgage loan on February 26, According to the terms of the Note you signed on December 27, 2001, payments for your mortgage loan ending in [redacted] are due on the 1st of each monthYour Note also describes the terms of the grace period, which specifies that Fifth Third must receive your payment by the end of fifteen (15) calendar days after the payment is due to avoid a late chargeAs stated in the response sent to you on March 30, 2016, you were still contractually obligated to make the monthly mortgage loan payment as outlined in the Note until the mortgage loan payoff posted to your account on February 26, Although you provided a brief description of the employee you spoke to at the [redacted] Banking Center, we were still not able to substantiate your claim that you were instructed not to make your mortgage loan paymentsTherefore, we must stand by our previous responseWe cannot accommodate your request to correct prior negative reportingIf you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We hope this correspondence will help you understand Fifth Third Bank’s positionIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Elizabeth J.Office of the President

[redacted] [redacted] *** [redacted] *** Date: January 25, Account: [redacted] Regarding Your Fifth Third Bank Relationship Savings Account Dear [redacted] : We received a copy of the complaint you filed with the Better Business Bureau, concerning an online payment from your savings accountWe appreciate the time you have taken to express your concerns regarding this matterYour comments expressing less than quality customer service are very concerningAt Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customersWe sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to usFeedback like yours helps us identify problems and improve the level of service we provide to our customersOn April 18, 2006, you opened a Minor-Owned savings account with you listed as the custodian, and your son [redacted] , listed as the minor-ownerOn June 26, 2012, this account was converted to a Fifth Third Bank Relationship Savings account, with the same ownershipIn researching your concerns, we determined you accessed your Fifth Third internet banking on January 9, At that time, you initiated a $payment to your ** [redacted] account ending in ***For your records, we have enclosed a copy of the payment detailsThe one time immediate payment was scheduled for January 12, When making a payment online, the “paid from” drop down box allows customers the ability to choose which Fifth Third account they would like to make the online payment fromAs the custodian on the account ending in ***, you are authorized to select this account as the paying accountIt was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matterYou are a valued customer and we hope you will allow us to serve 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, Patrick SOffice of the President PC: Revdex.com Enclosure: Payment Details

[redacted] Date: March 29, Account: [redacted] Regarding Your Express Banking AccountDear [redacted] :We received a copy of the letter you sent to the Revdex.com regarding your Express Banking accountWe 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 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’ satisfaction.According to my research into this matter, when you met with one of our employees at the Franklin and Eastern Banking Center to open an account, at that time you qualified for either our Basic Checking account or our Express Banking accountSince you expressed to the banker that you wanted an account with no monthly service charges, you chose to open an Express Banking accountWe regret if the account has not met your expectations.Please also accept my sincere apologies for the level of service you previously received regarding this matterWe strive to provide professional and accurate service to all of our customers and we regret if this has not been your experience.According to our records, on January 29, 2016, a debit card purchase appearing on your statement as ***BILL PAYMENT in the amount of $220.00, posted to your accountBecause you filed a dispute with the Bank regarding this charge, the account was provided with a provisional credit of $on February 1, Additionally, the merchant returned this charge to your account on February 1, When the dispute process was finalized on March 17, 2016, the provisional credit of $was revoked at that time because the merchant had also refunded the account $on February 1, On March 17, 2016, the beginning balance in your checking account was $When the provisional credit was revoked by the Bank on March 17, 2016, the account became overdrawnThe ending balance in the account on March 17, 2016, was negative ($219.16)Since the Express Banking account is not assessed fees for an account overdraft, no overdraft fees were assessed to the accountI have enclosed a copy of the Overdraft Notice dated March 18, 2016, for you review.Please be aware that as of March 25, 2016, your account has a negative balance of ($218.16)Please deposit funds into the account as soon as you can to bring the account back to a positive balance.If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely, Adam P.Office of the President Enclosure (1): Overdraft Notice