PROCORPSA

[redacted] *** [redacted] ** [redacted] *** Date: June 16, Account: [redacted] Regarding Your Fifth Third Express Banking Account Dear [redacted] ***: We received a copy of the letter you sent to the Revdex.com concerning your Express Banking accountWe 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 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfactionWhen you initially contacted our Disputes Resolution Department concerning your $cash deposit at a Fifth Third Bank Automated Teller Machine (ATM) on April 14, 2017, our Disputes Resolution Department researched the transaction and determined that, since there was not an overage in the ATM, your dispute was declinedIf there had been a $cash deposit made by you that was not accounted for, then the ATM in question would have shown an overage of $However, our Disputes Resolution Department researched the ATM transactions for an ATM that was not the ATM that you usedThis is because the only information that you provided regarding the ATM that you used was that the ATM was located on [redacted] Road in [redacted] and there are three (3) Fifth Third Bank ATMs on [redacted] Road in [redacted] When we spoke on June 5, 2017, I explained that the ATM transactions that were researched by our Disputes Resolution Department concerned an ATM at a [redacted] store located at [redacted] *** Road, [redacted] ***At that time, you explained that the ATM you used was located at a [redacted] storeAfter finding the correct ATM that you used, at the [redacted] store located at [redacted] Road, [redacted] 30096, I contacted our Disputes Resolution Department to inform them of the correct ATM that you used and your disputes case was re-openedTherefore, on June 8, 2017, a provisional credit of $was credited to your accountAdditionally, we have received communication from the Disputes Resolution Department that your dispute has been finalized and approvedThe provisional credit you received on June 8, 2017, will not be removed from your accountA copy of the letter that was sent to you on June 15, 2017, from the Disputes Resolution Department is enclosed for your referenceIf 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 PC: Revdex.com Enclosure: Dispute Resolution Letter

[redacted] [redacted] *** [redacted] *** Date: November 15, Account: [redacted] Regarding Your Installment Loan Account Dear [redacted] : We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your installment loan 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 February 26, 2010, you agreed to a seventy-five (75) month vehicle installment loan in the amount of $28,Per the enclosed contract, the final payment for your loan was due on August 28, We submit information to the credit reporting agencies each month regarding the payments for the accountPayments received more than thirty (30) days after the due date are reported as late paymentsBecause the maturity date for the loan is the date by which the loan must be paid in full, the account is reported as late if the final payment due is not paid in full within thirty (30) days of the final payment dateOn September 16, 2016, you spoke to our Collection Department to advise you sent a payment to the Bank the previous weekOur Collection Department advised that the loan had to be paid in full by November 28, 2016, which was ninety (90) days after the maturity dateYou set up payments for the loan during this phone callWe were able to review the phone call, and we confirmed that credit bureau reporting was not discussedAfter reviewing the account, we confirmed that the loan was not paid in full until October 17, The loan was paid in full more than thirty (30) days after the final payment date; therefore, the thirty (30) day late payment reported for the August payment is accurateWe are unwilling to remove the late payment from your credit reportI am sorry for any distress this may cause youFifth Third Bank complies with the Fair Credit Reporting Act (FCRA) to report accurate account informationOur records reflect that you requested to speak to a supervisor on October 18, You were transferred and left a voicemail for the supervisor that dayOn October 19, 2016, a supervisor named Jessica called you per your requestHowever, she was unable to reach you and left a message for youYou spoke to the Collection Department again on October 21, The Collection Department representative you spoke to offered to transfer you to the supervisor’s voicemail, but you declinedI am sorry for any difficulties you experienced when attempting to speak to a supervisorWe 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: Loan Contract

[redacted] ***Date: July 14, 2015Account: [redacted] , [redacted] Regarding Your Checking AccountsDear [redacted] :We received a copy of the rebuttal filed with the Revdex.com regarding the disputed purchases that posted to your checking accountWe appreciate the additional time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this situation may have caused youHowever, our research determined that all the merchants involved provided us with your correct name, address and phone numberThe merchants also sent our Disputes Department documentation stating that the goods and services were provided to you and your correct information was also providedTherefore, we stand by our previous response letter provided to the Revdex.com on July 7, Our position on this matter has not changedWe are unable to re-open your disputes at this timeIf you would like to pursue this matter further, please contact the merchants involved directly.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 call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely, Lisa SOffice of the PresidentPC: Revdex.com

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] I have not here from 53th bank in a good way but I have done something for myself and getting your company involved was a good thing and they have taking me off the check system thing so now I can open up a account with the credit unionThanks a lot for your Help to make things right with me and the check system company

[redacted] ***Date: April 18, Account: [redacted] Regarding Your installment Loan AccountDear [redacted] ***:We received a copy of your follcomplaint filed with the Revdex.com (Revdex.com) regarding your installment loan accountWe appreciate the opportunity to address your Continued Concerns.Please be advised that the information provided to you by the GAP insurance administrator is incorrectThe Bank does not waive the balance owed on the loan in the event of a total lossWhen we receive checks for the insurance proceeds and any applicable warranty refunds, those funds are applied to the loan balance owedIf the funds received from insurance and warranties are not sufficient to pay the loan in full, the customer is still responsible to repay the remaining amount owed per the signed contractEnclosed is a copy of the check that was sent to the Bank by your GAP insurance company for $1,This check was endorsed, cashed, and the funds were applied to your loanWe did not waive the $1,654.58.Fifth Third Bank does not have influence over how much money the GAP insurance company will sendWe provided your GAP insurance company a payoff quote and payment history effective for the date of the total loss, which was September 13, Enclosed is a copy of the payoff quote and payment history we provided on October 12, The amount needed to pay off the loan as of September 13, 2016, was $20,We also sent the GAP insurance company a copy of the $3,refund we received from the dealership for the warrantyThe GAP insurance company obtained a copy of the $15,insurance refund from another source that was not Fifth Third BankIf we take the $20,payoff, then deduct the total $18,in payments we received from your insurance and the dealership, the remaining amount needed to pay off the loan as of September 13, 2016, was $1,The GAP insurance paid $1,Because you had made a $payment on December 5, 2016, the funds from GAP insurance were enough to pay off the remaining balance owed on the loan.You have received overpayment refunds from the Bank totaling $229.88, which is $less than the $you paid on December 5, The difference between the $1,needed to pay the loan in full as of September 13, 2016, and the $1,that the GAP insurance paid is also $As previously advised, we are unable to determine why the GAP insurance paid only $1,for the vehicleIf you have questions about the GAP insurance refund amount and why more funds were not issued, please contact your GAP insurance company directly.We 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., ET.Sincerely,Shawna H.Office of the PresidentPC: Revdex.comEnclosure: Previous Response, GAP Insurance Check, Payoff Quote, Payment History

Hello, I did receive calls from [redacted] while I was out of the office, I returned her call today and left a message I provided the number to our Borrower’s Assistance Department who would be best to work with [redacted] regarding hardship assistanceI have contacted them and confirmed that she may not qualify at this time I’ve attached our response, but without new information from the customer we would stand with our response ThanksPat S.Customer Care Team SpecialistFifth Third Bank | Office of the PresidentKingsley DriveMD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### Fax: ###-###-####Email: [redacted]

[redacted] McGovern [redacted] *** [redacted] *** Date: March 11, Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted] : We received a copy of the letter you sent to the Revdex.com regarding your vehicle installment loanWe 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 level of service you received from our Customer Service DepartmentPlease be assured Fifth Third Bank takes these matters seriously, and we strive to provide an experience to our customersAfter receiving your letter, I forwarded your concerns to the relevant parties in our Customer Service Department who thoroughly researched this matterI 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’ satisfactionHowever, I cannot inform you of any specific internal actions that may be takenPlease also accept my sincere apologies if you do not find our website convenient and easy to useThe Bank has designed our installment loan payment system website with the intention of providing our customers with a convenient and easy way to make their paymentsWe regret if this has not been your experienceAs I explained during our telephone conversation on March 9, 2016, there has been no negative credit reporting of your accountAlthough your loan payment is considered late if the full payment amount of $is not received by the payment due date on the fourth day of each month, late payments are not reported to the credit reporting agencies if the payment is received within thirty (30) days of the due dateI have confirmed that there has been no negative credit reporting of your accountAlso during our telephone conversation, and as you told me you are already aware, there have been a total of three (3) late payment fees assessed to the account since the account has been openIn the interest of customer service, and because we value you as a customer of the Bank, each of these late payment fees have been reversedAlso during our telephone conversation March 9, 2016, you stated that the issues you have experienced making your loan payments through our website have now been resolvedIf you have any issues in the future, please contact me directly at the telephone number listed in this letter and I will be happy to assist youI also want to take this opportunity to let you know of an alternative method of making your loan paymentsIt is a service called Auto BillPayerAuto BillPayer will automatically transfer monthly payments from a non-Fifth Third checking account to your installment at no additional cost, which is less than the cost of a postage stampMany of our customers appreciate the convenience of Auto BillPayer, which eliminates the need of check writing and mailing your paymentsIf you are interested, please call ###-###-####, Monday through Friday a.mto p.m., ETAlternatively, you can call me directly [redacted] , 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 call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Adam POffice of the President PC: Revdex.com

[redacted] [redacted] ** [redacted] *** Date: January 26, Account: [redacted] Regarding Your Auto Loan Dear [redacted] : We received a copy of the complaint you submitted to the Revdex.com regarding your auto loanYour feedback is very important to us as it allows us to better understand how we can improve our service to youI also want to thank you for taking the time to speak with me on January 17, On behalf of the Bank, please accept my sincere apologies for the difficulties you have encounteredIt was certainly not our intention to cause you any hardshipWe strive to provide the best customer service possible and I am sorry that was not your experiencePlease 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 December 2, 2016, we sent a final payment notice for your auto loan ending in ***The notice indicated that a final payment of $was due on December 29, As the notice indicated, since you were enrolled with Auto BillPayer the final payment would be automatically withdrawn from your account on the due dateI have enclosed a copy of that notice for your reviewI am sorry if there was any misunderstandingOn December 29, 2016, Auto BillPayer withdrew your final payment of $236.24, which is the amount of the billing that was sent to Auto BillPayerOn December 30, 2016, after your loan was closed, we received your payment of $When we receive a payment after a loan is closed, the payment is held for ten (10) business days before the funds are returned to the customerThis is to ensure that the funds will not reverseUnfortunately, there were multiple holidays following your payment, which extended the time in which we would hold the fundsThe tenth (10) business day was January 17, 2017, so on that date a check in the amount of $would have been issued to you since your payoff was $shortI truly apologize that you were not able to obtain this information when you initially called the BankAfter we spoke on January 17, 2017, we placed a stop payment on the check that was automatically issued to you and issued a check for the full amount of $which we sent to you via overnight mail that same dayWe confirmed that the check was delivered to you on January 18, 2017, at 9:a.m., ETAgain, please accept my sincere apologies for the troubles you have experienced, and we appreciate your patience while we researched this matterIf 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 D.Office of the President Pc: Revdex.com Enclosure: Final Payment Notice

[redacted] [redacted] *** [redacted] *** Date: September 18, Account: [redacted] 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 apologize that we failed to meet your expectationsWe appreciate your feedback as it assists us in identifying problems and helps continuously improve the level of service we provide to our customersYour comments are very concerning and I regret the difficulties you experiencedI have shared the information you brought to our attention with the relevant management; however, I cannot provide you with the specifics of any internal corrective actions that may be taken to resolve this matterFederal regulations limit certain types of transactions on savings accountsYou have unlimited access to the following transactions from your savings account: [redacted] Transfers for Fifth Third loan payments [redacted] Transfers between your Fifth Third Bank deposit accounts, either in person or through an ATM [redacted] Withdrawals made in person or at an ATMYou are limited to six (6) of the following transactions from your savings account each month: [redacted] An automatic transfer from this account to your checking account to cover an overdraft [redacted] A funds transfer or bill payment from this account to third parties or to other Fifth Third Bank deposit accounts via Internet Banking or a pre-authorized electronic funds transfer [redacted] A transfer or bill payment from this account using Telephone Banking [redacted] Point-of-sale transactions with a debit card [redacted] Checks or drafts payable to third partiesIf your account exceeds the transaction restrictions during three (3) months of a twelve (12) month period, your account may be automatically converted to a non-interest bearing checking account with the following account features: [redacted] A monthly service fee of either $or $with direct deposits totaling $or more per monthly statement cycle [redacted] Unlimited Fifth Third Bank ATM/Point-of-sale transactions [redacted] Eligible for Fifth Third Internet Banking and Bill Payment [redacted] No charge for excessive transactions [redacted] Unlimited check writingI have enclosed copies of the notices sent to you on January 31, 2017; May 31, 2017; and July 31, Your account ending in [redacted] was converted to a checking account on September 5, A monthly service fee of $was first assessed when the statement cycled on September 7, In the interest of customer service, $in monthly service fees was reversed on July 25, In addition, one (1) overdraft fee of $was reversed on May 31, 2017, and another one (1) was reversed on July 25, Therefore, we are not willing to waive additional fees at this timeThe account ending in [redacted] was closed at a zero (0) balance on September 8, It is not our intention to cause you any hardshipYou 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 513-358-0858, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Alison S.Office of the President Pc: Revdex.com Enclosures

[redacted] [redacted] *** [redacted] *** Date: October 25, 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 are sorry to hear about the challenges that your husband is currently experiencing with his health, and we appreciate the time you have taken to express your concerns regarding this matterOn 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’ satisfactionPer the Early Access Terms and Conditions, if the checking account associated with Early Access is overdrawn for more than fifteen (15) consecutive days, Early Access will be closedThese policies apply to everyone, and the Early Access feature cannot be reinstated once closedA copy of the Early Access Terms and Conditions is enclosedAccording to our records, your checking account associated with Early Access was overdrawn from September 15, 2017, through October 3, 2017; therefore, Early Access was closed on October 5, We regret any frustration or inconvenience this might cause youIt 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 October 23, Except in the case of a Bank error, any additional overdraft fee reversal requests over the next twelve (12) months will be declinedAs of October 23, 2017, your Essential Checking account is overdrawn by $As of October 23, 2017, the account was overdrawn for a total of nine (9) daysIf a checking account remains overdrawn for more than fifty five (55) days, the account will be closed by the BankPlease make a deposit into the account as soon as you canFor more information regarding the most recent account overdraft, copies of the overdraft notices that were sent are enclosedI 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 app [redacted] , please also accept my sincere apologies for any difficulties you may have experienced when you previously contacted the Bank regarding this matterWe strive to provide professional and accurate service to our customers and we regret if this has not been your experienceIf 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 (4): Overdraft Notices (3) Early Access Terms and Conditions

[redacted] [redacted] [redacted] *** Date: December 13, Account: [redacted] Regarding Your Installment Loan Account Dear [redacted] : We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your installment loan accountWe appreciate the opportunity to further address your concernsOn behalf of the Bank, I apologize for the frustration this situation has caused youHowever, we stand by our previous correspondence dated November 21, 2016, and December 5, 2016, regarding the insurance payments to your loan and the payment history reported to the credit reporting agenciesOur position on this matter has not changedFor your reference, I have enclosed copies of our previous correspondenceWe have no additional information to provide and consider this issue closedWe 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 Enclosure: Previous Correspondence (2)

[redacted] [redacted] [redacted] *** Date: April 6, Account: [redacted] Regarding Your Mortgage Loan Dear [redacted] : We received a copy of your additional complaint submitted to the Revdex.com (Revdex.com), as well as the complaint you filed with the Consumer Financial Protection Bureau (CFPB), concerning your inability to make partial payments on your mortgage loanPlease be assured that Fifth Third Bank continues to take your feedback seriously, and I appreciate the additional time you have taken to communicate your thoughts and concerns surrounding this matterWe regret any misunderstanding that has been experienced surrounding this issue, but our continued research regarding advertisement on 53.com for the previously offered Early Mortgage Payoff Plan (EMPP) concluded that this is not an active offerAs we discussed previously, this service has been discontinued, and new enrollment into the program was stopped October 1, Upon further review of the screenshot showing EMPP advertising which was emailed to a representative in our Escalations Department, we have verified that this advertisement was accessed via an outdated link, combined with cookiesVisiting 53.com directly will best assist you in viewing the currently available products and services we have to best meet your financial needsOur review of your account indicates a second (2nd) payment of $has been received for your mortgage loan April 1, As stated in our previous communication, once additional funds were received totaling the payment amount due April 1, 2016, these amounts could be combined to make the full required paymentAccording to our records, this adjustment was completed April 5, Your next payment of $is due May 1, Additionally, I sincerely regret your feelings surrounding less than quality service you have receivedOur intention is to continually provide exceptional service to our customers, and it was not our intention to cause you any hardship [redacted] , I understand your frustration surrounding this matter, but hope this explanation satisfactorily addresses your concernsYou are a valued customer, and we look forward to serving for 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, Sarah S.Office of the President Pc: Revdex.com

[redacted] *** [redacted] *** [redacted] *** Date: December 9, 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 concernsWe completed a review of the Essential Checking account ending in ***, as well as the overdraft fees that were assessed to the accountOur review included the following: ? On November 20, 2015, we received your initial request to close the account; however, there were outstanding charges on the accountOn this same day, $was withdrawn from the account, leaving a balance of $to cover the pending debit card transaction in the same amount? On November 23, 2015, two (2) debit card transactions posted to the account, totaling $78.47, and leaving a negative account balance at ($58.97)The first transaction was the debit card purchase made on November 19, 2015, to National Students in the amount of $The second transaction was a debit card purchase made on November 22, 2015, to [redacted] in the amount of $Because you did not elect for overdraft coverage on the account, neither of the transactions were assessed an overdraft fee, and both transactions were paid? On November 24, 2015, an ACH payment to [redacted] in the amount of $posted to the account, leaving a negative account balance of ($68.33)On the next business day, November 25, 2015, a $overdraft fee was assessed to the account as a result of this transaction? On November 25, 2015, an ACH payment to [redacted] in the amount of $posted to the account and a direct deposit from [redacted] in the amount of $posted to the account, leaving a negative account balance of ($160.26)On the next business day, November 26, 2015, a $overdraft fee was assessed to the account as a result of the ACH transactionBecause transactions continued to occur, we were unable to close the account as you had requestedOur review of the previously detailed transactions has determined there was no error in assessing the overdraft fees to the accountBecause there was no error, we are unable to accommodate your request to waive any feesI am sorry for any frustration this may cause youAs of November 27, 2015, the negative account balance is ($197.26)Once the account is at a zero balance and without pending transactions, you may request the account closure by visiting your local banking center or by contacting our Customer Service Department at ###-###-####, Monday through Friday, a.mto p.m., and Saturday 8:a.mto p.m., ETIn addition, because you mentioned that these transactions were not authorized by you, if you would like to dispute these charges, please contact our Disputes Resolution Department at ###-###-####, Monday through Friday, a.mto p.m., and Saturday 8:a.mto p.m., ETThank 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

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me as long as they follow through with the credit reporting bureaus Regards, [redacted] ***

[redacted] ***Date: June 9, Account: [redacted] Regarding Your Business Debit MasterCard and Checking AccountDear [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 matterPlease accept my sincere apology that our prior response did not answer all of your questions.Our records indicate that you currently have three (3) dispute cases open with Fifth Third BankTwo (2) of the cases are merchandise disputes and one (1) is a fraud claimThe fraud claim was filed on May 14, 2015, for a charge that posted on April 13, 2015, in the amount of $for [redacted] The Bank gave you provisional credit for the fraud claim two days after you filed the dispute, on May 16, 2015.As I stated in my prior response, the type of dispute you are referring to in your complaint is with [redacted] Fifth Avenue, in the amount of $1,and is called a merchandise based disputeThe Bank has a timeframe of up to days to conduct our investigation and complete merchandise based disputesDuring that time, we will research your dispute with the merchant and provide a decision to you upon completion of our researchShould our research support your dispute, final credit will be issued to your accountHowever, if our research does not support your dispute, we will notify you by mailThe purchase in question is something that you did in fact purchase and not an error on your statement Please note, merchandise based disputes are not covered by federal regulations However, the Bank researches these disputes for our customers as a courtesy if they are unable to resolve with the merchant themselvesThe Bank does not provide provisional credit for merchandise disputesOn behalf of the Bank, please accept my sincere apologies that this information was not clearly explained in our prior response[redacted] , you reference federal law requirements in your rebuttal to the RevDex.comError resolution for consumer debit card accounts is covered in Regulation EThe Bank follows the requirements as outlined in Regulation E for error resolution for consumer debit card accountsIt should be noted that your accounts are business accounts and are not covered by Regulation E.Fifth Third Bank, Member FDIC Equal Housing LenderFifth Third and Fifth Third Bank are registeredservice marks of Fifth Third BancorpWe 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., ET.Sincerely, [redacted] Office of the PresidentPc: Revdex.com Enclosure: Prior response

[redacted] ***Date: June 1, 2015Account: [redacted] Regarding Your Equity FlexLine AccountDear [redacted] :We received a copy of the complaints you sent to the Better Business Bureau and the Consumer FinancialProtection Bureau regarding your Equity FlexLineWe appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youPlease be assured that we have researched this matter thoroughly, and passed on your concern 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.We completed our review of the Equity FlexLine account ending in ***On May 22, 2015, a payoff was provided to you in the amount of $Please be advised a payoff is only valid for the same day it is givenOn Saturday, May 23, 2015, we received your payment in the amount of $The payoff quote provided to you that day was $because of the annual fee that was assessed to the account on the same business day, Monday, May 25, I am sorry for any misinformation you may have received.It was certainly not our intention to cause you any frustrationBecause you are requesting to close the Equity FlexLine we are able to waive the annual charge as a courtesy to youIf you would like to close your FlexLine account, please send a signed written request to the following address:Fifth Third BankOffice of the President Attn: [redacted] ***Alternatively, you may fax this request to my attention at ###-###-####Once I receive the signed request, I will forward the document to the appropriate department for processing.Thank 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 ###-###-####[redacted] Consumer Resolution Specialist Office of the PresidentPc: Revdex.comConsumer Financial Protection Bureau

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

[redacted] *** [redacted] *** [redacted] *** Date: April 14, Account: [redacted] Regarding Your Installment Loan Account Dear [redacted] ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your installment loan 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 matterOur records reflect that you contacted the Auto BillPayer Department on February 29, 2016, to enroll in automatic paymentsBefore automatic payments can start, a customer must complete and send back an enrollment formWe issued forms to you on February 29, 2016, and April 15, 2016, but have no record of receiving a completed enrollment formFor this reason, Auto BillPayer has not been able to automatically process your loan paymentsEnclosed are the follow up letters we sent to you on March 21, 2016, and April 11, 2016, advising you we need your enrollment form to have payments automatically deductedAlso enclosed is the letter we sent to you on April 29, 2016, advising that your enrollment in Auto BillPayer was cancelled because we did not receive the required enrollment formI reviewed the information being reported to the credit reporting agencies for this installment loanI confirmed that we reported the account as thirty (30) days late in June and sixty (60) days late in July We did not receive the payment that was due on May 30, 2016, until August 2, The late payments were reported correctlyI confirmed that you have received several phone calls from our Collection Department and spoke to them on multiple occasions, including to schedule Automated Clearing House (ACH) payments for the accountSpecifically regarding the payments reported late, you spoke to our Collection Department on June 11, 2016, regarding the payment that was due on May 30, You advised you would make a payment on June 30, However, no payment was received or scheduledWe spoke to you again on July 7, 2016, and July 14, On July 14, 2016, you advised you could not make a payment until the end of the monthThe payment was received on August 2, I understand you have advised you sent the Auto BillPayer enrollment form multiple times; however, we have no record of receiving itYou received written notification that your enrollment in the program was cancelledYou also spoke with our Collection Department regarding the missing payments before they were reported delinquentWe regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to remove the negative reporting that is accurately listedIf you have confirmation of how, where, and when you sent the enrollment forms to the Bank, please forward the documentation to me directly so that I can further research this matterI can be reached using my address listed above or via fax at ###-###-####Per our conversation on March 31, 2017, we mailed a new enrollment form to you on April 3, We also emailed a new enrollment form to you on April 3, 2017, to the email address you provided of ***_ [redacted] I also provided you with my email address so you could complete the form, scan it, and email it to me directly so I can ensure the form is received by the Auto BillPayer DepartmentPer our conversation on April 7, 2017, you received the emailed form but had not yet emailed it backYou advised you would send it that day or the next dayAs of April 14, 2017, I have not received an email from you with the formWhen you email the form, please contact me using my phone number listed below so that I can call you if the email does not come throughYou can also fax the form to my attention or mail it to my address listed aboveAs of April 11, 2017, your installment loan is current with the next $payment due on April 30, You have scheduled the next three (3) payments to process via ACH with our Collection DepartmentThe following payments are scheduled on the account: **$on April 28, **$on May 26, **$on June 28, Please note that if you send the form back and Auto BillPayer begins automatically processing your monthly payments, the enrollment will not cancel the payments you have scheduled with the Collection Department listed aboveYou will need to confirm the first (1st) payment date that Auto BillPayer will process, and then cancel any overlapping Collection Department paymentsThe Collection Department can be reached at ###-###-####They are available to assist you Monday through Friday from a.mto p.m., ET, and Saturday through Sunday from a.mto p.m., ETIf you would like to contact the Auto BillPayer Department directly, they can be reached at ###-###-####Auto BillPayer is available to assist you Monday through Friday from a.mto p.m., ETI have enclosed an additional enrollment form for your convenienceWe 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: Auto BillPayer Letters (3), Enrollment Form

February 25, DearApril Q.: We have received a copy of your letter dated February 11, in addition to a copy of our mortgage agreementWe appreciate the time you have taken to respond to some of our requestsWe reference you to Exhibit A, a letter from you dated January 22, that states we would have a response mailed to us within fifteen (15) to twenty-five (25) daysPlease note that your response was received to our PO Box on February 21, which is in excess of the time frame noted in your letterThank you for your review of the United States Postal Service Receipts that we supplied to youWe have to pay additional monies in order to insure us the security that our payments are being received when they are deliveredYou state in your letter that the receipts provided list expected delivery dates, which are not guaranteedFinding it odd for the Federal Government to offer a two-day (2) mailing service and charge the consumer for something that is not guaranteed we took it upon ourselves to further investigateWe bring your attention to Exhibit BWe spoke with the post master of the [redacted] post office, which is a branch of the United States Postal ServiceWe were provided and advised that all bar codes that are on the receipts, in which we supplied to you are scanned and signed for, just like shown in the exhibitFifth Third has the abilities to go on line under the USPS tracking and pull up all tracking to show when you received our payments vshow long it took Fifth Third to cash checkThank you for reviewing our payment history and believing that there was no bank error, but we are forced by evidence to disagreeIt is not our error for the poor management by the bank in how long it takes for your employees to process our paymentIt is odd that in review of your letter dated February 11, all the alleged "day" late payments are literally alleged at (1) one day lateThis brings us back to our first paragraph in this letterWhich then brings us to our monthly increase of ($400) four hundred dollars a month due to "low escrow", and the added stress due to poor management of our accountWhich leads to ask the question on how Fifth Third determines a payment is "late"is it determined by receipt of the check by Fifth Third bank? or is it determined by when the check is cashed? Either way I would like documentation to that effect so going forward there is no confusionOn January 26, your Escrow Department updated our escrow portion of the monthly payment to reflect the insurance premiumBecause of this, effective February 1, we received a new mortgage payment of $This request for an Escrow review, was made via telephone to Fifth Third Bank back in July At that time we advised the Fifth Third representative of our new Home Owners carrier, [redacted] , along with the reduction of premiumOur request went unacknowledgedFifth Third Bank, alleges that upon review of our escrow account, you then issued a Home Owners payment to Tri-State Consumer on August 3, in the amount of $and was returned by Tri-State Consumer to Fifth Third on August 27,2015, due to the Fifth Third Bank errorFifth Third Bank then on September 18, decided to review our request for the escrow account to be reanalyzed and determined a reanalysis was not requireThis does prove that Fifth Third received our request in July but took (2) two months for Fifth Third Bank to completePlease refer to Exhibit C (2) two letters dated January 26,from Fifth Third BankThese letters state "we have corrected the amount of your monthly payment"Fifth Third Bank admits to bank error once againWe spoke on February 22, and we advised you that on our Mortgage Loan Statement dated 2/11/for our March statement there was a charge for a past due payment of $Please refer to Exhibit DAs such our January 11, statement did not note this "past due payment"? Also our conversation with you in January you advised that our account was currentAlso our February 8, payment was cashed on February 12, which is prior to the (15) Fifteenth of the monthSo why would this "past due payment" be reflected in March but not February? Another Fifth Third Bank error? Fifth Third Bank has also supplied us on our Mortgage Loan Statement dated 2/11/16, please refer to Exhibit E that there were "Unapplied funds" posted to our account on January 25,Further explanation of these "Unapplied funds" and what these funds are, are being requestedOn behalf of my husband [redacted] and I we are unable to accept apologies from Fifth Third Bank due to their poor handling of our mortgage accountWe have owned (3) three homes and (2) two currently and have never incurred these issues over the past (18) eighteen yearsShould Fifth Third wish to do the right thing and provide quality customer service to us as the consumer we are willing to work with youBased on the errors noted above we are again requesting Fifth Third to remove these alleged (1) one day past (30) thirty day late off our credit reportPlease refer to Exhibit FAs you can see by our credit report we have been perfect for years, only issue being Fifth Third BankWe are aware of the over (10,300) ten thousand three hundred complaints to the Revdex.com and multiple Class Action law suits against Fifth Third Bank, so we are not the only ones with issuesWe formally request that your revisit your prior letter and provide us with the customer service that we deserveThank you for your time and attention to this matterSincerely, [redacted] and [redacted] Pc: Revdex.com

Hello: We believe we have addressed the customer’s concerns in our two (2) prior responsesShe has provided no new information in her complaintWe will not be sending another written response, unless the customer can provide new details to her complaintThanks Pat SucherCustomer Care Team SpecialistFifth Third Bank | Office of the PresidentKingsley DriveMD 1MOCOPCincinnati, OH