PROCORPSA

[redacted] [redacted] *** [redacted] *** Date: January 20, 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 processed an Online Bill Payment via our website at 53.com to your [redacted] credit card account for $4,You scheduled the payment to process from the checking account ending in [redacted] on November 30, When the payment processed as requested on November 30, 2016, there were insufficient funds in the checking account to cover the transactionAs a result, the $4,was returned by the Bank as unpaidPlease note that Online Bill Payments are sent as a check to the payee or they are submitted via an Automated Clearing House (ACH) transactionIf the payment is made via ACH, our Online Bill Payment vendor pays the bill with their own fundsThe vendor then drafts the payment from your account to reimburse the funds they used to pay your billThis means that [redacted] received the $4,payment, but the money was unable to be drafted from your accountOur vendor will attempt to draft the funds multiple times from the account you selected in an attempt to reimburseIf the vendor is unable to be repaid, then the customer’s information is sent to the vendor’s collection departmentThe $4,was processed on November 30, 2016, December 5, 2016, and December 8, Each attempt was returned as unpaid for insufficient fundsAs a result, your account was charged one (1) $returned item fee and two (2) $returned item feesThe fees assessed to the account are listed on page three (3) of the enclosed Rules and RegulationsI confirmed that you successfully made the payment to [redacted] from your checking account ending in [redacted] on December 2, 2016, using the Online Bill Payment systemPlease note that scheduling a separate successful payment does not cancel out the previously unsuccessful paymentThe payments are separate from each otherOur Online Bill Payment vendor was able to receive a refund of the $4,they paid to [redacted] that they were unable to recoup from your checking account ending in ***I understand that you requested to have all fees related to the Online Bill Payment reversedI verified that $of the total $in returned item fees have already been waivedBecause we value your relationship with the Bank, and because we empathize with the issue you experienced, we reversed the remaining $returned item fee in the interest of customer service on January 18, Please note that it is each customer’s responsibility to ensure there are available funds in the accounts from which they have scheduled Online Bill PaymentsThe Bank and the Bank’s Online Bill Payment vendor will not send a warning to the customer if there are insufficient funds to make or schedule the paymentYou also mentioned that due to the [redacted] transaction processing multiple times, your account ending in [redacted] was converted from a savings account to a checking accountPlease be advised that Federal Regulations limit the number of electronic withdrawals that can be processed from a savings accountPage twenty (20) of the Rules and Regulations provides information regarding savings account transactionsYou are allowed six (6) electronic withdrawals of the following types each month: [redacted] Automatic transfers from a savings account to cover an overdraft via Overdraft Protection [redacted] Transfers of funds or bill payments to third (3rd) parties or other deposit accounts at Fifth Third Bank [redacted] Preauthorized ACH or Electronic Transfers [redacted] Fifth Third Telephone Banking or any money management payment from your savings account [redacted] Point-of-sale transactions with a debit card [redacted] Checks or drafts payable to third parties After three (3) instances in twelve (12) months of exceeding the allowable number of monthly withdrawals or transfers, your savings account may be closed and the funds transferred to a checking accountEnclosed are copies of the letters we sent to you on February 27, 2015, March 31, 2016, August 31, 2016, and September 30, 2016, notifying you that you had exceeded the limit of restricted savings account transactionsYou exceeded the transaction limit three (3) times in a twelve (12) month timeframePer the letter issued on September 30, 2016, we converted the savings account ending in [redacted] to a checking account to comply with Federal RegulationThe account conversion occurred in October 2016, which was prior to the attempted [redacted] card paymentsPer the notice, the checking account has an $monthly service fee, which is reduced to $if you have direct deposits totaling $or morePlease be advised that we are not permitted to convert the checking account back to being a savings accountIf you would like to determine if a different checking account type would work best for you, I encourage you to visit a Banking Center or contact our New Accounts Department at ###-###-####That department is available to assist you Monday through Friday from a.mto p.m., ET, and on Saturday from a.mto p.m., ETWe 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: Rules and Regulations, Limited Transactions Notification

[redacted] *** [redacted] *** [redacted] *** Date: February 15, Account: [redacted] Regarding Your Basic Checking Account Dear [redacted] ***: We received a copy of the follow up complaint you filed with the Revdex.comWe 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 youHowever, the Bank stands by the response conveyed to you in our previous letter dated February 1, Our position on this matter has not changedI have enclosed a copy of that letter for your convenienceIf 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 Enclosure: Previous Response

***, On March 30, 2016, the Office of the President responded to [redacted] regarding his dispute case and stated the following: As I stated in our prior response sent on March 3, 2016, the disputes resolution department is currently reviewing your case ( [redacted] )After the review process is complete, the disputes department will send you notification of their final decisionIf you would like to contact the disputes department directly, you can call them at ###-###-####, Monday through Friday, a.mto p.m., Saturday, 8:a.mto p.m., ET If [redacted] has additional questions about his dispute case, please advise him to contact the Disputes Department directly with the above contact informationThank you, Jennifer LC.Fifth Third Bank, Office of the President

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 There is $13,in disputeThe vendor only provided documentation for $worth of chargesWhere is the balance of the documentation that I requested? The vendor is in violation of the provisions of the Fair Credit Billing Act by not investigating this matter and providing me with said documentationIf the vendor had any intentions of suing me for this amount, they would have done so by nowThey know they are wrong, that is why they have notI have adequate documentation to present if this matter ever goes to court requesting backup documentation again and again from the vendor with no results on their part Regards, [redacted]

[redacted] [redacted] ** [redacted] *** Date: October 2, 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 matterThank you for taking the time to speak with me about your request for payment assistance after being impacted by Hurricane ***I am sorry for the difficulties you encountered while attempting to reach our Hardship Assistance DepartmentWe are experiencing a higher number of phone calls than from customers needing assistance after the hurricaneIf a representative is not available for the call within a specified time frame, the call is transferred to a voicemail system so customers can be called backI verified that a call attempt was made on September 14, 2017, to your phone number of ###-###-####, which is the phone number that you provided to the Revdex.comThey were unable to reach you but our records reflect that a voicemail was leftI apologize if you called and left additional voicemails that were not returnedPlease be assured that I have contacted the relevant Bank management regarding this matterI contacted our Hardship Assistance Department to have them contact you about your request for a payment defermentI confirmed that they were able to speak with you on September 28, 2017, and a three (3) month payment deferment was approvedAs we discussed, the deferment cannot be put in place until you sign and return the deferment agreementPer the terms of the deferment, the next payment will be due on January 24, The agreement was sent to the email address [email protected] print, sign, and return the document as soon as possibleWe 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 HOffice of the President Pc: Revdex.com

[redacted] [redacted] [redacted] *** Date: March 30, Account: [redacted] Regarding Your Mortgage Account Dear [redacted] : Thank you for contacting the Bank, regarding your Fifth Third Bank mortgage loanWe appreciate the time you have taken to express your concerns regarding this matterYour comments expressing less than quality customer service are very concerningWe strive to provide accurate and professional services to our customersPlease be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received at the [redacted] Banking CenterWe have conducted an investigation of your claims that you were instructed not to make your mortgage loan payments by the [redacted] Banking Center, but were not able to substantiate your claimShould your mortgage loan become past due, your account may be subject to late charges, property inspection fees, derogatory credit bureau reporting, and attorney feesDuring that time, our Collection Department will attempt to notify you via mail and telephoneOur records confirm that our Collection Department attempted to contact you several times concerning the late payment for your mortgage loan accountPast due notices and mortgage loan statements were also mailed to the address on file from December 16, through February 17, The past due notices and mortgage loan statements are enclosed for your reviewOn February 19, 2016, you requested a payoff quote for this mortgage loanThe payoff quote for your mortgage loan had a good through date of March 1, I have enclosed a copy of this payoff quote for you recordsOn February 19, 2016, a letter was also mailed to the above address indicating that you should continue to make regular payments to avoid late charges and potential negative credit bureau reportingI have enclosed a copy of the letter titled Important Information Regarding Your Mortgage Loan Payoff Quote for your recordsUntil the mortgage loan payoff posted to your account on February 26, 2016, you were still contractually obligated to make the monthly mortgage loan payment as outlined in the NoteI have enclosed a copy of the Note for your recordsThe call on March 1, 2016, was reviewed and no error was found in the information provided to you concerning the credit reporting dispute processThe Consumer Contact Center agent informed you that she submitted a request to have the delinquencies reported to the credit bureaus reviewedWe are very sorry if our attempts to explain the credit reporting dispute process during your telephone call with our Consumer Contact Center did not provide the level of detail you desired, or failed to fully address all of your questions and concernsWe 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 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] ###-###-#### If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Elizabeth J.Office of the President Enclosures: Note, Past Due Notices, Mortgage Loan Statements, Payoff Quote, and letter titled Important Information Regarding Your Mortgage Loan Payoff Quote

[redacted] [redacted] [redacted] *** Date: February 28, Regarding [redacted] Checking Account Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com regarding a check drawn on *** [redacted] checking accountWe appreciate the time you have taken to document your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youI want you to know that feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfactionAs you are not a co-signer on the account in question, we are unable to share any details concerning this account with youI apologize for any inconvenience this may cause youPlease be aware that we responded to your complaint in detail and mailed a response to [redacted] Thank you for your patience while waiting for a responseIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Jennifer M.Pc: Revdex.com

Problem: I have another complaint filed with the Revdex.com filed in August now the bank has done the exact same thing again for the month of September and they still haven't resolved the issue from AugustSarah Sfrom the office of the President contacted me regarding the original complaint and promised to get it resolvedI followed her directions and still haven't heard back or received any resolutionNow in September the bank has charged me TWICE after telling me they wiped out all previous arrangements set up electronically to prevent any issues going forwardI spent hour on the phone with customer service this morning speaking with a representative who left me on hold for minutes pretending to seek out a supervisor who she later stated was in a meetingI called and left multiple messages for Sarah regarding her follow up to my August issue and also alerting her to the issue that occurred now in September and of course NO ANSWERHow is it legal for this bank to continue to do this with no recourse?Desired Outcome: OVERDRAFT FEES REFUNDED ERRORS CORRECTED CUSTOMER SERVICE OR DOES IT NOT MATTER?

[redacted] [redacted] * [redacted] *** Date: January 12, Account: [redacted] Regarding Your E-Access Checking Account Dear [redacted] : We received a copy of the follow up letter you sent to the Revdex.com regarding your E-Access Checking accountWe appreciate the additional 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 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 was explained in my previous response, Fifth 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 amountFifth Third Bank ATMs are provided as a convenience to our customersSince we cannot ensure that all of our ATMs will be available for use at all times, it is important to ensure that you have sufficient funds in your account to cover transactions you authorizedAccording to my research, any ATM issues or issues with our Frankfort-West Banking Center have been addressed appropriately and in a timely manner by the BankI also want to apologize for any inconvenience you experienced when our Frankfort-West Banking Center was being remodeledAlso according to my research, the previous overdraft fee reversals on your account during the last twelve (12) months were performed as courtesy fee reversalsAs was also previously explained to you, it is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank errorIf we receive a request to reverse fees as a customer courtesy, we are only able to reverse a limited amount of fees within a specified period of timeThe reason for this policy is that it allows us to treat all customers fairly and equallyPursuant to your previous fee waiver requests, we have reversed $in overdraft fees over the past twelve (12) months, as a courtesy to youAccording to the Bank’s policy regarding overdraft fee reversal requests, additional courtesy fee reversals are not warranted to this timeIf I could be of further assistance to you, please call me at ###-###-####, or toll free at 866-360-5353, Monday through Friday, a.mto p.m., ETSincerely, Adam POffice of the President PC: Revdex.com

[redacted] *** [redacted] *** [redacted] *** Date: February 1, Account: [redacted] Regarding Your Basic Checking Account Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.comWe 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 this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties at 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 customer satisfactionIf an account becomes overdrawn, we assess a $overdraft fee for each item that posts while the account has a negative balance, or per item that is returned due to insufficient fundsThese fees will post the following business day after an overdraft occurrenceOn January 16, 2018, the beginning balance in your Basic Checking account was $On that day, seventeen items posted to the account totaling $Due to insufficient funds in the account to cover all items presented, three items were returned as unpaid on January 17, 2018, and the account was assessed three (3) returned item fees totaling $A copy of the Overdraft Notice dated January 17, 2018, is enclosedOn January 18, 2018, the beginning balance in your checking account was negative ($85.28)That day, two of the $payments were re-presented by the third party for paymentDue to insufficient funds in the account, the items were returned and the account was assessed two returned item fees totaling $74.00, the following day, January 19, A copy of the Overdraft Notice dated January 19, 2018, is enclosedDebit card and Automated Teller Machine (ATM) transactions show as pending against your available balance during the day because they are pre-authorized time-stamped debitsChecks and some electronic payments, such as Automated Clearing House (ACH) payments, are collected at the end of the business day for overnight processing and will post to the statement for that day, the day the payments were authorized by you to paid and collected for payment from Fifth Third BankBecause these items are processed overnight, they will not show as pending during the dayAll transactions will post to your account during overnight processing in the following order and will be visible the next business day: [redacted] Credits and deposits made prior to the end of day cut-off time, subject to our Funds Availability Policy [redacted] Debit card and ATM transactions in the order they were authorized [redacted] Checks and electronic payments in the order of highest to lowest amount [redacted] Fees and service charges Each of the items that caused the account overdrafts described in this letter were ACH paymentsSince ACH items are processed overnight, the items that overdrew the account did not appear when you used our Mobile App to access your account information on January 16, The payment processing information explained in this letter is disclosed in the Bank’s Deposit Account Rules and Regulations, a copy of which is enclosedFor more detailed information, please refer specifically to the section entitled Overdraft Calculations Order on page fourteen (14)The Bank offers several options for Overdraft ProtectionIf you are enrolled in Overdraft Protection, funds are automatically moved from another Fifth Third account that you own to your checking account in the event of an overdraftAlthough there is an overdraft transfer fee of $per transfer, this is less than the fees that are assessed when your checking account becomes overdrawn without Overdraft ProtectionFor more information about Overdraft Protection, please visit your local Fifth Third Banking Center or contact our Customer Service Department at ###-###-####, Monday through Friday, a.mto p.m., ET, Saturday 8:a.mto p.m., ETYou will also find additional information on our website at 53.com and in the enclosed copy of the Bank’s Deposit Account Rules and RegulationsIt is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank errorHowever, we have reversed $in overdraft fees over the past twelve (12) months as a courtesy to youTherefore, additional courtesy overdraft fee reversals are not be warranted at this timeWe regret if this causes you any inconvenience or frustration as that is certainly not our intentionYou are a valued customer of the Bank 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, Adam P.Office of the President Enclosures (3): Overdraft Notices (2) Deposit Account Rules and Regulations

[redacted] *** [redacted] * [redacted] *** Date: January 6, 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 Our records indicate that on November 28, 2015, the joint account holder, [redacted] **, accepted Overdraft Coverage via online banking for the Essential Checking account, allowing access to funds beyond the account balance with debit card transactionsOur review of the account activity included the following: ? On December 21, 2015, the beginning account balance was $There were ten (10) transactions that posted to the account, totaling $307.30, leaving the negative account balance at ($5.19)Because there were not enough funds to cover all of the transactions, the transaction to [redacted] in the amount of $was assessed an overdraft fee in the amount of $the following business day? On December 28, 2015, the beginning account balance was $There were ten (10) transactions that posted to the account, totaling $301.83, leaving the negative account balance at ($176.78)Because there were not enough funds to cover all of the transactions, the transactions to [redacted] in the amount of $72.95, [redacted] in the amount of $4.99, and ATT in the amount of $were each assessed an overdraft fee in the amount of $the following business day, totaling $? On December 30, 2015, the beginning account balance was $There were five (5) transactions that posted to the account, totaling $112.84, leaving the negative account balance at ($61.53)Although there were not enough funds to cover these transactions, because the Overdraft Coverage was declined by you, via online banking, on December 29, 2015, these debit card transactions were not assessed any overdraft feesOur review of the account history determined that Overdraft Coverage was accepted for the account between November 28, 2015, and December 29, 2015, and there was no Bank error in assessing the overdraft fees to the accountBecause there was no error, we are unable to accommodate your request to reverse any additional feesI am sorry for any additional frustration this may cause you, and any difficulties you may have experienced when calling 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

[redacted] [redacted] [redacted] *** Date: March 23, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of the complaint filed with the Revdex.com regarding transactions that posted to your checking accountWe appreciate the time you have taken to share 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 youOn June 19, 2015, we received your dispute for two (2) unauthorized debits in the amounts of $each that posted to your checking account on April 9, 2015, and on April 23, We opened case # [redacted] and began our investigationOn July 14, 2015, we posted a provisional credit of $to your checking account while we investigated your disputeYour account was also credited $on June 23, 2015, for the related overdraft fees that were charged to your accountDuring our investigation, we contacted [redacted] (***) in order to advise [redacted] of the dispute filed [redacted] provided our Disputes Department with a copy of a contract in your nameAccording to the contract provided, on January 12, 2015, you financed $1,and agreed to make payments of $to ***We have confirmed that your checking account ending in [redacted] received a credit of $1,on January 12, I have enclosed the checking account statement showing the deposit for your reviewDue to the information provided by ***, we denied your dispute and reversed the provisional credit of $from your checking account on July 17, Please find enclosed a copy of the contract in your name provided by ***According to the documentation provided, it appears that you initiated this loan with ***If you still claim that this contract was not authorized by you, you may submit in writing that you did not consent to the provided contract and further explain the credit to your checking account on January 12, 2015, for the proceeds of the loan in questionPlease write a letter to further explain your dispute of the transactions with ***You may mail your letter and any supporting documentation to my attention at: Fifth Third Bank Office of the President Attn: Lisa SKingsley Drive Mail Drop: 1MOCOP Cincinnati, OH Alternatively, you can fax this documentation to my attention: ###-###-####Once your letter is received, our Disputes Department can re-open your case and will contact [redacted] to further investigate your claimsWritten confirmation will be sent to you from our Disputes Department once their investigation is completedIf you believe that the application with [redacted] was submitted in your name fraudulently, you may want to contact your local law enforcementThey will be able to assist you with completing the necessary documents for any fraud that may have occurredWe appreciate your patience while waiting for a responseIf I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ESTSincerely, Lisa SOffice of the President Pc: Revdex.com Enclosure: Copy of contract, checking account statement

We are in receipt of your letter dated July 8, 2015, regarding the informal complaint filed by [redacted] * [redacted] Wehave had the opportunity to investigate this Complaint and offer the following information.According to Armstrong’s records, Mr [redacted] received a 1-year promotional offer for discounted service at $79.95per month and then $per month, each for six monthsMr [redacted] received this offer on July 1, OnJuly 1, 2015, this promotion expired, and Mr [redacted] is now paying the full monthly rate for servicesCurrently,Mr [redacted] is not eligible for another promotional offerIf he wanted to add telephone to his service, Mr [redacted] would be eligible for a discounted rate.Armstrong encourages Mr [redacted] to contact our Customer Service Center if he has any additional questions aboutthis program or if he has any internet issuesThank you for your attention to this matterPlease feel free to contactme should you have any questions or require further information.Sincerely,Agency Complaints Response Teamcc: [redacted] * [redacted]

April 21, [redacted] Revdex.comHoliday Drive, Suite 220Pittsburgh, PA 15220Re: Your reference: Theodore [redacted] - Case No [redacted] Dear Mr***:We are in receipt of your letter dated April 10, 2017, regarding the rebuttal filed by [redacted] .Armstrong responded to Mr [redacted] ’s initial complaints on March 8, and again on March 30, In August 2016, Mr [redacted] was verbally offered a promotion to add Zoom Internet to his cable and telephone service at a deeply discounted rateUnder this promotion, Mr [redacted] received his services at the discounted rate for six monthsAt the end of this period, the promotional rate increased by $for the next six monthsThis increase still reflects a substantial savings in his services as compared to the regular rates of the services.Thank you for your attention to this matterPlease feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Team cc: [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I thank 5/for being reasonable and treating me with respectI look forward to continue banking with them for years to come, and really appreciate them overturning the overdraft feeThanks to the Revdex.com and 5/bank for prompt resolution on this issue! Regards, [redacted]

The check matches the amount of the two (2) transfers on the statements provided to MsLewisWe have provided the customer with statements and copy of the check sent to [redacted] CountyIf [redacted] can provide us something from [redacted] County stating they did not process or receive the check we would respond to thatHowever, we would respond the same way with a photo copy of the attached checkThanksPat S.Customer Care Team SpecialistFifth Third Bank | Office of the President

[redacted] [redacted] *** [redacted] *** Date: March 29, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of the complaint you filed with the Revdex.comYour request was referred to this office for review and responseWe are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concernsA case was opened with our Dispute Resolutions Department on Saturday, March 24, 2018, to research your missing Automated Teller Machine (ATM) depositThe case number is [redacted] We also provisionally credited the checking account for $1,on Monday, March 26, This credit is available for your use while we research the claimThe provisional credit will either become permanent or be removed depending upon the results of our investigationYour checking account did not become overdrawn over the weekend, and no overdraft fees were chargedWe strive to resolve all investigations as quickly as possible and will communicate the results of the investigation in writing once our research is completeIf you would like to contact our Dispute Resolution Department to follow up on your claim, they can be reached at ###-###-####, Monday through Friday, a.mto p.m., and Saturday 8:a.mto p.m., ETWe strive to provide professional and accurate service, and I apologize for any inconvenience this 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

I would like some money back - On February I had got loan from third bank for an automobile Loan was in the amount of $ 19, I was to make my first payment /6/I had contacted the bank about automatic paymentsI was told they needed a cancelled check I then told them I have not had a check in yearsShe said well you can make a payment on line at no chargeI said great that till give me a month to go to the bank and get checks I had made my payment so I would not be late for my first paymentI then noticed that third bank had taken the payment of on the due date after I had already made the payment When they took out the second payment it caused overdraft fees on my accountAfter a week or so I finally got my money back on the double payment and the overdraft fees When third bank called to notify me they are sending me a check for the overdraft fees $ I had found another bank with a lower interest rate so I then started to proceeding of changing my loan to another bank Original loan 19, Payment first monthly payment Balance 19, [redacted] PAY OFF 19,Difference of [redacted] called the auto pay off line and stated the payoff was 19, When third bank called me stating it was error on their side they will refund my $by check but I still had a balance of I asked how this could be third bank is telling me that the payoff amount that [redacted] got was when payments were made which would have been plus –that equals Original loan amount 19,third bank is stating the payoff amount that [redacted] got was because of the payments they took if that was the case it was lower than 19,Two payments they are saying minus Should be 19,which is not 19, I am very unhappy with the way this has been handled I had contacted third bank for several weeks starting 3/18/when I wanted to set up auto payments I called Felecia at ###-###-#### starting 4/13, 4/14, 4/15, 4/18, 4/20, 4/21, 4/22, 4/25, 4/26, 5/6, 5/9, 5/10, 5/During this time frame she stated that I was being charge finance charges I was told she would reverse the charges due to the fact she had to research to see why I had a balance and what was going on Also stated that this would be taken care of before the May 6th payment Then she called me and told me that when she tried to reverse in system It was only When should have been or so I do not understand how they figure I still owed over I can see the amount of clearly but not as they state You can clearly see it in the numbers from the original amount I financed minus the one payment I would appreciate any and all help with this situation If anyone would like to contact me on this matter please do ###-###-#### Thank you [redacted] ***

[redacted] *** [redacted] [redacted] *** Date: September 29, Account: [redacted] Regarding Your Cash Rewards MasterCard Account Dear [redacted] ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your Cash Rewards MasterCard 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 matterEnclosed is a copy of the promotional credit card offer that we mailed to you in June Included with the offer is a disclosure page with a section for fees that states there is a $or 4% fee for each balance transfer, whichever is greaterThe offer directs you to review the disclosures for fee informationI confirmed that you submitted your application for the credit card online, and you submitted your request for the $5,balance transfer to [redacted] online at the time of your applicationPlease note that before the application can be submitted online, customers must check mark a box that states they have read and agree to the terms and conditions for the accountA link to the terms and conditions is presented as well to ensure customers have access to review all the terms, including associated feesThe application and any requested balance transfers are not submitted to the Bank until the applicant selects the box that states they read and agree to the terms and conditions and then clicks the “submit” buttonI have enclosed a printed copy of the terms and conditions for the Cash Rewards MasterCard, which discloses the balance transfer feePlease note that the terms and conditions were updated on September 1, Also enclosed is a copy of the previous terms and conditions for the account that were issued on December 29, 2015, which was made available to you to view online at the time of your applicationThe balance transfer fee information has not changedI am sorry for the dissatisfaction and frustration you have experienced regarding the balance transfer fee totaling $As advised above, the fee was disclosed in the promotional material you received in the mail as well as in the Terms and Conditions you selected online that you read and agreed toFor this reason, we are unwilling to waive the balance transfer feeI apologize for any distress this may cause youI was able to review your phone calls to our Customer Service Department regarding the feeI verified that multiple employees told you the only way to submit a balance transfer is by talking to someone over the phone who is required to disclose the feeThe information you received is not correctCustomers are able to submit balance transfers online at the time of the application, which is how yours was completedCustomers can also complete balance transfers by mail if we sent them a balance transfer offer for a new or existing accountCustomers do also have the option to call the Bank to process a balance transfer, at which time the balance transfer information is provided verballyA Bank employee is not required to call you and disclose the fee when it is completed via mail or onlineYou did not call the bank to process your balance transfer; therefore, you would have needed to review the disclosure you received by mail or the terms and conditions presented to you onlinePlease be assured that I have contacted the relevant Bank personnel regarding the incorrect information you receivedWe received your $credit card payment on September 26, As of September 26, 2016, your credit card account is current and no additional payment is due for the September 28, 2016, due datePlease see page two (2), section eight (8) of the September terms and conditions to verify how your minimum payment due is calculatedWe 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: Promotional Credit Card Offer, Terms and Conditions (2)

Please find below the text of the letter and a listing of enclosures being mailed to the customerThank you [redacted] [redacted] *** [redacted] * [redacted] *** Date: February 15, Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning your vehicle installment loanWe appreciate the time you have taken to express your concerns regarding this matterEnclosed please find copies of your loan payment history and noteIf after you review the enclosed documents you find that the account is incorrect, please forward details regarding the incorrect information to the following address: Fifth Third Bank Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH Alternatively, you can fax this information to my attention directly at ###-###-####Please refer to page two (2) of your security agreement which provides you with information regarding late payments to your installment loanSpecifically, item fifteen (15) defines default as: [redacted] You do not make any payment on or before it is due; [redacted] You do not keep any promise you made in this Agreement; [redacted] You do not keep any promise you made to us in another contract, note, loan or agreement with us; [redacted] You made any untrue statement in the credit application for this Agreement; [redacted] You committed any forgery in connection with this agreement; [redacted] You die, are convicted of a crime involving fraud or dishonesty, or are found by a court with jurisdiction to do so to be incapacitated; [redacted] You file bankruptcy or insolvency proceedings, or anyone files bankruptcy or insolvency proceedings against you; [redacted] You take the Vehicle outside the United States or Canada without our written consent; [redacted] You use the Vehicle or Allow someone else to use it in a way that causes it not to be covered by your insurance; [redacted] You do something that causes the Vehicle to be subject to confiscation by government authorities; [redacted] The Vehicle is lost, stolen, destroyed or damaged beyond economical repair, and not fixed or found within a reasonable time; or [redacted] Another creditor tries to take the Vehicle or your money on deposit with us by legal processFurthermore, section sixteen (16) item b states: REPOSSESSION: We can repossess the Vehicle, unless prohibited by lawWe can do this ourselves, have a qualified person do it for us, or have a government official (by replevin) do it for usYou agree that we can peaceably come on to your property to do thisWe may take any other things found in the Vehicle, but will return these thing to you if you askIf you want these things back, you agree to ask us in a letter sent to us by certified mail within hoursIf you do not send us this letter, you give up any claim to these thingsYou agree that we may use your license plates in repossessing the Vehicle and taking it to a place for storageFor your convenience and review, we have enclosed a payment breakdown detailing the late payments on your installment loanOur review of the payment history determined that the installment loan was approved for Repossession on January 4, On January 4, 2016, your installment loan was due for the October 30, 2015, paymentThis made your installment loan sixty-six (66) days past due at the time of approval to repossess your vehicleThe Bank acted within the terms of your security agreement in attempting to repossess your vehicleAs noted on the enclosed payment breakdown, you made a $1,payment on March 16, This payment satisfied four (4) regular paymentsThe payment satisfied your November 30, payment (days late), your December 30, payment (days late), your January 30, payment (days late) and your February 29, payment (days late)On April 1, 2016, a $repossession fee was assessed to your installment loanYour loan was sent to our repossession vendor who received the fee for getting a positive resolution to your repossess orderSpecifically, the fee was provided to the vendor when you brought your loan currentOn July 5, 2016, your installment loan was referred for repossession a second timeAt the time of the repossession referral, your installment loan was sixty-five (65) days past dueAs you are aware, on August 25, 2016, your vehicle was repossessedAt the time of repossession, your installment loan was one hundred seventeen (117) days delinquentOn August 26, 2016, you made a $payment which satisfied your payments due April 30, 2016, and May 30, On August 27, 2016, you made a $payment which satisfied your payments due June 30, 2016, July 20, 2016, and August 30, It should be noted, your late fees and repossession fees on August 27, 2016, totaled $In addition to your monthly payments $of your payment were applied to the repossession fee assessed on April 1, 2016, and late feesThere were $in late fees still due on your accountOn September 16, 2016, a $repossession fee was assessed to your installment loanThis fee was assessed to pay the repossession company that was able to secure your vehicle on August 25, Our review of the payment history and fees assessed to your installment loan determined no Bank errorWe are unwilling to reverse any of the fees assessed to your installment loanAs of February 13, 2017, the amount required to bring your installment loan current is $1,This amount includes: Past Due Amount $ Repossession Fee $ Late Charges $ February 30, payment $ Total: $1,(-) Partial Payment -$ Total Due: $1,We have confirmed with the Collections Department that your installment loan does not qualify for hardship assistance at this timeHowever, if you would like to discuss any changes to your ability to make loan payments please contact our Borrower’s Assistance Department at ###-###-####, option A representative is available, Monday through Friday, a.mto p.m., ETThank 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 can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Note Payment History Payment Breakdown