PROCORPSA

[redacted] *** [redacted] *** [redacted] * [redacted] *** Date: March 22, Account: [redacted] Regarding Your Installment Loan Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.com concerning your installment loanWe appreciate the time you have taken to document your thoughts and concernsWe have completed a review of your loan ending in ***I have confirmed that the overpayment check in the amount of $was presented for payment on March 20, I have enclosed a copy of the cleared check for your recordsI have also enclosed a copy of the previous response sent to you on March 14, 2018, which explains that the payoff check was not sent to the designated payoff address provided on the payoff statement, causing a delay in processing the payoffWe certainly regret any frustration this may have caused you; however, we were unable to locate an error that occurred with the application of the payoff fundsThank 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, Jennifer M.Office of the President Pc: Revdex.com Enclosures: Check Copy, Previous Response

[redacted] *** [redacted] *** [redacted] *** Date: [redacted] 11, Account: [redacted] Regarding Your Mortgage Loan Dear [redacted] ***: We received a copy of the additional complaints you filed with the Revdex.com, the [redacted] State Department of Financial Services and the letter sent to the Bank concerning your mortgage loanWe appreciate the opportunity to respond to this matterOn behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused youIn reviewing the concerns that you listed, we have already provided detailed explanations for each of these matters in the responses provided to you on February 11, 2016, and March 15, I have enclosed copies of the prior correspondence for your conveniencePlease note, we will not provide the recorded calls as you have requestedThese calls are intended for the Bank’s useFor further clarification regarding your concerns that the escrow account was not reviewed in July and a payment was made to [redacted] in August 2015, our records indicate that we spoke to the [redacted] agent on July 20, At this time, we were given the information for the policy amount due and due dateAs we previously explained, our records do not indicate any request to review the escrow in July We are unable to accept a future-dated request to remove the escrowIn the future, if you wish to submit a request to remove the escrow from the account, please submit a written request to the following address: Fifth Third Bank Attention: Escrow Department Kingsley Drive MD 1MOC2M Cincinnati OH Upon receipt of the request, your account will be reviewed to determine if it is eligible and you will be notified in writingFor your convenience, it should also be mentioned that there are several options available to make your payment in the future, including the following: [redacted] A payment can be made by phone when calling our toll-free number ###-###-####You will choose the # key, then enter the loan number and the last four (4) digits of either borrower’s social security numberOption four (4) will allow you to make a paymentFees for this service vary by state [redacted] Online Banking via 53.com will allow you to make a payment from an external account, and there is no fee for using this serviceTo setup access please follow these steps: Navigate to 53.com, click Log In and click Register next to First Time UserBecause you do not have a Fifth Third Checking, Savings, Debit Card, Access 360, Credit Card, or Home Equity Line of Credit select No to continue the enrollment process, and select I Have A Fifth Third Auto Loan, Installment Loan, and/or Mortgage LoanEnter the account number and social security numberSelect Yes I Have My Loan Documents With Me and click ContinueUse your loan documents to answer the verification questions presentedClick ContinueNext you will be prompted to create a Unique User ID and Password following the required guidelinesClick NextYou are now enrolled for Online BankingUse your new User ID and Password to log in to your account [redacted] Auto BillPayer is a free service that automatically deducts payments from a checking account each month on the due date or any date within the grace periodTo sign up for Auto BillPayer, please contact them directly at ###-###-####, Monday through Friday, a.mto p.m., ETAfter reviewing your letter and supporting documentation, it does not appear the Bank can assist you furtherFurther correspondence from you about this matter will be reviewed, but not necessarily acknowledged unless new information is provided which can be acted uponAfter multiple communications with you on this topic, we consider this issue closedThank 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, April Q.Office of the President Pc: Revdex.com, [redacted] State Department of Financial Services Enclosures: Previous Response Letters

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 complaintI was told that I can only dispute transactions made in the past days by Felicia Long, however I was never given a notice of any kind that money was being deducted from my account until it reached a negative balance I never elected to close my checking account and never received notice that it had been closed, therefore the business never should have deducted money from my savings account.Also - while Felicia did credit me $20, an additional $draft was taken from my account while she was looking in to it.I told Felicia that I would obviously like to have my $that I started the account with returned to me, but at a MINIMUM, I would like the $that I used to open the account back Therefore, Fifth Third may send me a check in the amount of $and we can consider this resolved.I also feel that Fifth Third was negligent in their handling of my account without giving me proper notices that they were deducting money No statements were ever sent to me in the mail, nor by email Fifth Third should do the honorable thing and send me a check in the amount of $for the remaining balance of my former account in full Regards, [redacted] ***

[redacted] [redacted] *** [redacted] *** Date: December 16, Account: [redacted] Regarding Your Fifth Third Bank 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 concernsWe strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectationsThis loan was reaffirmed after bankruptcyThere was a delay in sending out the overpayment from the payoff amount received September 19, 2016, because we needed to verify if the funds should be sent to the bankruptcy trustee or to youA check for $was sent to you at the above address on December 12, The loan is closed and at a zero (0) balanceThis information is provided in response to your request and is not an attempt to collect a debtYou were 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

[redacted] *** [redacted] ***Date: June 30, 2015Account: [redacted] Regarding Your Essential Checking AccountDear [redacted] ***We received a copy of the complaint you filed with the Revdex.com regarding your Essential Checking account We appreciate the time you have taken to document your thoughts and concerns.On behalf of the Bank, please accept my sincere apologies for 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 our customers’ satisfaction.On June 12, 2015, you informed the [redacted] Banking Center of your intent to close the Essential Checking account ending in *** due to an unauthorized charge that would be coming through from [redacted] PreschoolThe remaining funds were transferred from the account into the new Essential Checking account ending in ***Due to the request to close the account and the knowledge that an unauthorized transaction was scheduled to come through, the banking center processed a request to place a hold on the accountThis hold would not prevent the charge, but ensure that the transaction was returned to the merchant as unpaidThe following activity occurred on the Essential Checking account ending in ***:On June 15, 2015, a transaction in the amount of $from [redacted] Preschool attempted to post to the account, however, this transaction was returned as unpaid on June 16, Because this item was returned, a $return item fee was assessed to the account.On June 16, 2015, a transaction in the amount of $from [redacted] attempted to post to the account, however, this transaction was returned as unpaid on June 17, Because this item was returned, a $return item fee was assessed to the account.On June 17, 2015, you transferred $from the account ending in *** to the account ending in ***In addition, funds were transferred in the amount of $from the account ending in *** to the account ending in ***The account ending in *** had a zero remaining balance, and you closed the account.On June 18, 2015, the account ending in *** was reopened by the [redacted] Banking CenterIn the interest of customer service, the Bank reversed $of the return item fees that were assessed back into the account.On June 19, 2015, you transferred $from the account ending in *** to the account ending in ***The account had a zero remaining balance, and you attempted to close the accountAfter the requested closure, a transaction in the amount of $from Comcast Cable attempted to post to the account, causing the account closure to failThis transaction was returned as unpaid on June 22, Because this item was returned, a $return item fee was assessed to the accountOn June 22, 2015, a transaction in the amount of $from [redacted] Preschool attempted to post to the account, however, this transaction was returned as unpaid on June 23, Because this item was returned, a $return item fee was assessed to the account.On June 23, 2015, the Bank reversed the $return item fee that was assessed for the [redacted] Preschool transaction because you indicated that was a fraudulent transactionAlso, in the interest of customer service, the Bank reversed $of the return item fees that were assessed to the accountIn addition, funds were transferred in the amount of $from the account ending in *** to the account ending in ***The account had a zero remaining balance, and you closed the account.On June 23, 2015, case Cwas opened with our Disputes Department regarding the unauthorized transaction from [redacted] Preschool on June 22, Because the item was already returned due to insufficient funds, the dispute covered the associated return item feeOn June 25, 2015, the account was reopened by the Disputes Department, and on June 26, 2015, the overdraft fee that was assessed on June 23, 2015, in the amount of $was reversed into the account.On June 27, 2015, you transferred $from the account ending in *** to the account ending in ***The account had a zero remaining balance, and per your request in your complaint we closed the account.On June 29, 2015, we processed a request to close the accountAfter the requested closure, a transaction in the amount of $from Comcast Cable attempted to post to the account, causing the account closure to failThis transaction was returned as unpaid on June 30, Because this item was returned, a $return item fee was assessed to the accountHowever, this fee was reversed in order to close the account.As a result of the transactions attempting to post to the account after the requested closures, your account was unable to closeHowever, it is evidenced that you made multiple attempts to close the accountAs previously detailed, the Bank reversed $of the return item fees that were assessed to the accountBecause of your multiple attempts to close the account, we reversed the remaining $in return item fees that were assessed to the accountWe submitted a request on June 30, 2015, to have these funds deposited into your Essential Checking account ending in ***In total, $in return item fees were assessed, and $in return item fees have been returned to youIn addition, the account was closed on June 30, We regret the frustration and inconvenience this matter has caused you.In the future, if you are aware of an unauthorized transaction that may attempt to post to your account, you are able to place a stop payment on that transactionIf you wish to place a stop payment on any transaction in the future, please visit your local banking center, or call customer service at ###-###-####, Monday through Friday, a.mto p.m., and Saturday, 8:a.mto p.m., ET.Thank you for 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., ET[redacted] Office of the President

[redacted] *** [redacted] ** [redacted] *** Date: July 6, 2017 Account: ***1*** Regarding Your Vehicle Installment Loan Dear [redacted] ***: We received a copy of the letter you sent to the RevDex.com concerning your vehicle installment... loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. Please also accept my sincere apologies for the level of service you received when you previously discussed this matter with our Collections Department. We strive to provide professional, courteous, and accurate service to our customer and we regret if this has not been your experience. We understand your concerns about the collection calls you received. Our Collection Department begins making calls to customers when a payment is not received by the due date. They are a failsafe Fifth Third Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. They are certainly not intended to cause you any hardship or frustration. Thank you for taking the time to discuss this matter with me on the telephone on June 26, 2017. At that time, you explained that the $400.00 payment in question was made by you in either July 2014 or July 2015. Regarding your June 2017 payment, on June 2, 2017, we received your payment of $265.34. On June 5, 2017, we received your loan payment of $265.34. The $265.34 payment received on June 5, 2017, was returned on June 6, 2017, because the paying account number provided was incorrect. In response to your complaint letter, we conducted a thorough review of your loan payment history. Our review of your loan payment history determined that all of your loan payments were processed and applied correctly when received. Since the Bank is legally required to report accurate loan payment information to the credit reporting agencies, we cannot accommodate your request to correct prior negative credit reporting of your account. The Bank can only correct negative credit reporting of an account if the negative reporting is due to an error made by the Bank. Since your loan payments were correctly processed and applied when received, and since we are legally required to report accurate loan payment information to the credit reporting agencies, we are unable to correct prior negative credit reporting of the loan. We regret if this causes you any inconvenience or frustration. If you would like to contact the credit reporting agencies directly, their contact information is below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### According to the enclosed copy of the loan payment history, we did not receive a $400.00 loan payment in July 2014. We also did not receive a $400.00 loan payment in July 2015. I want to take this opportunity to ensure that you are aware that you can view useful and important information regarding your loan on our website at 53.com. You can also make loan payment on our website at 53.com. Since you do not have a Fifth Third Bank debit card or credit card, you have the ability to enroll for online banking using your account number, full Social Security number (SSN), and information your loan note, a copy of which is enclosed. In order to enroll you will be required to reference your loan note to answer the verification questions asked. If you would like to enroll in online banking, please visit our website at 53.com. On the home page, select LOG IN. Since you are a first time user, you will need to click on the link to Register. From that point, you will be guided through the steps necessary to enroll in online banking. If you have question or need assistance establishing online access to your loan on our website at 53.com, please contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday 8:30 a.m. to 5 p.m., ET. I also want to be sure that you are aware of a payment option offered by the Bank, which may help you to avoid late payments in the future. It is a service called Auto BillPayer. Auto BillPayer will automatically transfer monthly payments from a non-Fifth Third Bank checking account to your installment loan at no cost to you. If you are interested in Auto BillPayer, please call ###-###-####, Monday through Friday 8 a.m. to 5 p.m., ET. Your next loan payment of $669.17 is due on July 4, 2017. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P. Office of the President PC: RevDex.com Enclosure: Payment History

[redacted] [redacted] *** [redacted] ***Date: November 8, 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 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 customer satisfactionOn September 25, 2017, you contacted the Bank’s Disputes Resolution Department to dispute several charges that posted to your accountIn response to the case that was opened, our Disputes Resolution Department sent you a letter on September 27, 2017, indicating the charges that are being disputedThe letter also explains that your account was provided with a temporary credit for the disputed chargesThe temporary credit of $was provided and posted to your account on September 28, A copy of the letter dated September 27, 2017, is enclosed for your review and convenienceAlthough we strive to resolve dispute cases as quickly as possible, please be aware that your case will be finalized within thirty (30) to ninety (90) days from the date that the case was opened on September 25, For any questions regarding your case number [redacted] , please contact our Disputes Resolution Department at ###-###-####, Monday through Friday, a.mto p.m., ET, Saturday 8:a.mto p.m., ETI also want to assure you that the Bank takes protecting the security of our customers’ accounts very seriouslyAlthough the Bank has appropriate safeguards in place, it is not always possible to prevent unauthorized charges from posting to a customer’s accountThis is why we have a Disputes Resolution Department, which is a department dedicated to assisting customers who may have unauthorized transactions on their accountsIn addition to our Disputes Resolution Department, the Bank has other departments dedicated to protecting our customer’s against fraudIf you still want to close your account, as is indicated in your complaint, please visit any Fifth Third Banking Center for assistanceA telephone initiated request to close an account can only be completed if there is a zero (0) balance in the account at the time of the request to close the accountYou may also send a written request to close your accountIf sending a written request to close your account, please be sure to include the following information: [redacted] Date [redacted] Your Name [redacted] Your Full Account Number [redacted] Your Notarized Signature [redacted] Your current address so a check can be sent to you for the remaining balance in the account Alternatively, you can complete the enclosed Account Closing Request FormIf sending a written request to close your account, please send the request to our Oak Park Banking Center at the following address: Fifth Third Bank [redacted] [redacted] [redacted] *** A written request to close your account can also be sent to my attention at the following address: Fifth Third Bank Office of the President Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 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, Adam P.Office of the President PC: Revdex.com Enclosures (2): Letter Dated September 27, Account Closing Request Form

[redacted] *** [redacted] *** [redacted] *** Date: February 22, Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted] ***: We received a copy of your complaint filed with the Revdex.com regarding your mortgage loan accountWe appreciate the time you have taken to express your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matterPlease be assured that the issues you presented have been escalated to the relevant Bank personnelYou can expect to receive communication from our Insurance Center to schedule an inspection to determine the progress of the work being completed on your property, as well as to obtain information about [redacted] and the new contractor you have hiredI am very sorry for the difficulties you experiencedIt is our goal to help you return to your homeIn order to accomplish that goal, we will need you to communicate with our Insurance Center regarding the status of the repairsAt this time we would like to confirm that you contacted the Bank on January 15, 2015, and wanted to know if the contractor had cashed the checks that had been issuedWhile our systems show research was initiated they not show that anyone contacted you back to provide this informationI am sorry for the frustration and distress that this caused youWe strive to provide professional service, and I regret this was not your experience when you did not receive a return phone callEnclosed for your review is a copy of your signed proposal/contract with the contractor [redacted] regarding your agreement with them to rebuild your homeThe last section on page two (2) provides the payment terms, which shows that the first (1st) payment to the contractor is $120,Per this signed agreement between you and the contractor, we distributed funds totaling $120,in the months of June and July We confirmed that the following four (4) checks were cashed by the contractor: [redacted] $30, [redacted] $14, [redacted] $37, [redacted] $37,I understand that you are experiencing a hardship attempting to make the monthly mortgage payment as well as pay rent while you are unable to live in the homeYou first (1st) notified us of this hardship on November 6, You explained that because you had to also pay for another place to live while your home was being rebuilt, you were struggling with the mortgage paymentsWe explained that you could apply for a loan modification or a mortgage refinance, and we sent you the application for assistance required to complete a modificationOur records do not reflect that you were told we could not assist you because the loan was not in defaultI have enclosed another application for assistance with this correspondenceIf you would like to be considered for assistance, please complete the form and send the requested documentation so that we can review your applicationWe have not yet received an application from you for assistanceWe appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Shawna TOffice of the President Pc: Revdex.com Enclosures: Contractor Agreement, Homeowner’s Assistance Application

[redacted] [redacted] *** [redacted] *** Date: July 13, Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted] : We received a copy of the complaints you filed with the Consumer Financial Protection Bureau and the Revdex.com regarding your recent installment loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matterYour comments expressing less than quality service are very concerningPlease be assured we attempt to prevent our customers from taking unnecessary losses related to fraudBased on information obtained by our Bank Protection Department, a hold was placed on your account to confirm your identity and the purpose of the installment loanOn behalf of the Bank, please accept my sincere apology for any inconvenience or frustration this matter has caused youPlease be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received and passed along your concernsUpon receiving your complaints, we conducted a thorough review of the installment loan application and the reason for the delay in receiving your funds after the loan was approvedOur review determined, on June 14, 2017, you contacted our Retail Direct Sales Department, by telephone, and applied for an $unsecured loanThe loan was approved and a closing was scheduled at the [redacted] *** Banking CenterFor your records and review, please find enclosed a copy of your signed application and security agreementAt the time of the closing, you presented an identification that did not match the name ( [redacted] ) that was on the loan documentsThe name on the original identification provided to the banking center was [redacted] ***However, you were able to produce a second [redacted] identification with the name [redacted] You explained to the banker, that you were recently married and the first identification was your maiden nameWe have confirmed the number on both identifications matchedOn June 16, 2017, the Bank Protection Department received an alert to a possible social security number mismatchA case was opened on Monday, June 19, 2017, to investigate the possible identity theft situationFor your protection, a block was placed on the installment loan during the investigationThe investigation was closed on June 20, As part of the investigation, the Bank confirmed your employment, reviewed your marriage license and driver’s licenseThe investigator contacted you on June 20, 2017, to explain the reason for the block and to inform you the block was removedThe investigator did inform you that during their research, another name may be associated to your social security numberIn the interest of customer service, the investigator suggested that you may want to place a fraud alert on your credit profileIf you would like to contact the credit reporting agencies, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### You 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, Patrick S.Office of the President PC: Revdex.com Consumer Financial Protection Bureau Enclosures: Security Agreement, Application

[redacted] [redacted] ** [redacted] *** Date: June 7, Account: [redacted] Regarding Your Debit Card Dear [redacted] : We received a copy of the letter you sent to the Revdex.com regarding the issues you recently experienced with your debit card ending in ***We appreciate the time you have taken to document your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for the level of service you when you previously contacted the Bank regarding this matterPlease be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customersAfter receiving your letter, I forwarded your concerns to the relevant parties at the Bank who thoroughly researched this matterI 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’ satisfactionHowever, I cannot inform you of any specific internal actions that may be takenOn May 29, 2016, a debit card transaction from [redacted] in the amount of $was initiatedAdditionally on May 29, 2016, a debit card transaction from [redacted] in the amount of $was initiatedOn May 29, 2016, you contacted the Bank and verified that the two (2) debit card transactions from [redacted] were indeed fraudulent chargesWhen the Bank verifies with a customer that suspected fraudulent charges are indeed fraudulent, the Bank’s policy is to place a permanent block on the card Our policy also allows for a temporary block to be placed on the account to allow for an additional transaction, if the customer requests that this be doneWhen you requested that a temporary block be placed on the card to allow for an additional transaction before the permanent block was placed on the account, the customer service agent mistakenly placed a permanent block on the cardOnce a permanent block is placed on a debit card, it cannot be removedWe certainly regret the difficulties you experienced, but we are unable to issue funds to you in the amount of $300.00, as you requestedWe apologize for any frustration this may cause youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Adam POffice of the President

Good Afternoon, Fifth Third Bank has no additional response or comment regarding this complaintAll issues have previously been explained and addressed with [redacted] Thanks, Brandy W.Executive Support SpecialistFifth Third Bank | Office of the PresidentKingsley DriveMD 1MOCOP (513) 3493Cincinnati, OH [redacted] ***Email [redacted]

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 Section d of the contract states that if the vehicle is lost or damaged the bank may use the insurance funds to reduce what is owed on the vehicleNowhere in the contract does it state that the application of the method would not be counted towards the monthly payments in this scenarioPage section a of the contract states that I agree to payback the bank everything owed even if the vehicle is damaged- which is something I have yet to fail to doThe issue at hand is the practice that Fifth Third is taking in regards to payments receivedThe payment received from the insurance company should have counted as the monthly payment for October and should have advanced the payment plan as the payment was in excess of the monthly amount required by the bankHowever, Fifth Third Bank has chosen, to their benefit, to not count those payments towards the monthly payments, claiming that such payments do not come from meFifth Third Bank, am I not the owner of the insurance payments that you received as I am the one that yearly pays my insurance company so that I am covered in occasions such as these? Is the money coming from the insurance company-hence- not my own money as well? Was it not paid on my behalf? How can you say that these monies did not come from me and therefore chose to not apply them to the monthly payment of the loan? This is an unethical business practice that benefits Fifth Third Bank as you are able to charge a late fee to the consumerFifth Third Bank fails to explicitly state that insurance payments received are not to be counted as monthly payments in the occasion of vehicle total loss or total damageThe fact that you apply the insurance payments first to the principal of the loan and then to the interest is a practice that you chose to exercise without informing me of it until a scenario as this occurred, and without me agreeing to it as it is not stated in the contract that I signed Furthermore, this whole experience really shows how much you truly care for your customers, your unwillingness to accept fault for this and not wanting to correct the information you have sent to the Credit Bureau, over a late payment of $dollars, which is what was owed on interest for the month of October is truly appallingDo you realize that you are ruining my credit over $dollars of accrued interest from that month? All due to your inability to accept that you are not adhering to the contract signed and have chosen to exercise an unethical business practice all to gain profit from a late fee penalty? I did not mention in my first address the poor customer service I received from the manager on the phone in the collections department; but now I willAlthough your employee was a manager, she chose to treat me with less respect than the one given to me by her subordinateShe repeatedly spoke over me until I finally had to tell her that it was a real shame that I was receiving such treatment from a supervisorI had to shame her and tell her that she should be more mature than her subordinates and demonstrate true leadership by showing me respect and listening to my concerns so that she could address them properlyIt's no wonder why you have such poor leaders as you yourselves are incapable of leading effectively and ethicallyFifth third Bank, you have truly been a great disappointment to work with and I will never do business with youI am still expecting you to correct the claim that you have sent to the Credit Bureau Regards, [redacted]

Problem: Jennifer MContacted Me Several Times The Week Of The 17th- 21st, Concerning The Free Membership For The Identity Alert ProtectionI Register / Enroll Online As Instructed Due To Jennifer MCanceled Out My Identity Alert For Per Month So I Could Enroll For The Free Membership Once I Did That The S S N And Public Records Were LockedI Notified Jennifer MAbout This Matter And Was Told I Would Have To Go In Person To 5/Online I Was given My New Membership Number And New PasswordAnd Was Logged InNow I Can't Get Help With The S S N And Public Records Being Locked Because 5/Wants To Pass The Buck AgainI Went To Register My S S N Yet It Would State Did Not Know This S S N Number5/Is Nice People Yet It's Hard To Get Them To Help You With Something Important As ThisDesired Outcome: Honor The Free Membership For Whole Year Keep My Identity Alert For CancelledJust Give Me The Free Membership And Have It set Up For MeSet The Free Membership Up For Me And Please Let The 5/Bank In [redacted] , [redacted] Know that My New Identity Alert Account Will Be Set Up For Free For Year As The Letter Dated 06/14/Due To FraudNo Games To Be Played PleaseLike Passing The BuckNo No! Thank YouJennifer MIs To Honor The Free Membership In Which I Had Earned

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 Regards, [redacted]

[redacted] [redacted] * [redacted] *** Date: February 11, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of the rebuttal filed with the Revdex.com regarding your recent ATM (Automated Teller Machine) depositWe appreciate the additional time you have taken to express your concerns regarding this matterAccording to your initial complaint, you were using the ATM located at our Fort Branch Banking Center and attempted to make a cash deposit for $to your checking accountWhile the ATM was processing your deposit, the machine went down and retained your card and the depositOur Disputes Department was contacted and case # [redacted] was opened to fully research your claimsOur research determined that the ATM was not in balance and was over $Therefore, on January 15, 2015, your checking account was credited $and our investigation was closedHowever, in the interest of customer service, the decision was made to credit your account $On February 3, 2016, a credit in the amount of $posted to your checking account to provide the full credit for your original ATM depositYou will see this deposit on your next checking account statementI hope you are satisfied with this resolutionWe appreciate your patience while we reviewed your additional concernsYou are a valued customer and we appreciate the opportunity to review this matterIf I may be of further assistance to you, please call me at 513-358-or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Lisa SOffice of the President Pc: Revdex.com

[redacted] *** [redacted] ** [redacted] *** Date: July 25, Account: [redacted] Regarding Your Mortgage Loan Dear [redacted] ***: We received a copy of the complaint you submitted to the Revdex.com regarding your mortgage 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 any inconvenience this matter may have caused youWe ceased sending monthly billing statements for your mortgage loan ending in *** because it was discharged in Chapter bankruptcyHowever, if you would like to receive monthly mortgage loan statements, you may send a written request via fax at ###-###-####, or via email at [email protected] written request must include the following information: your account number or bankruptcy case number, a signed and dated declaration that you are requesting monthly billing statements, your printed name, and your signatureThank 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, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] [redacted] *** [redacted] *** Date: March 28, Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted] : We received a copy of the complaint you filed with the Revdex.comI also appreciated the time you took to speak with meWe strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectationsI understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused youAs we discussed, a replacement card for the credit card account ending in [redacted] was ordered and sent to you by overnight mailThe card retained by the Automated Teller Machine (ATM) has been destroyedThe fee for the rush replacement card was waived to provide a positive resolution to this situation for 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

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 Regards, [redacted] This is a falsehood and they are using it to deny this is their fault Their people told me on the phone when I called in the first time that their system was not reporting the mortgage If the reporting would have started up by april I believe I was told it would have been fine but not only did they not originally start reporting it at the end of my bankruptcy they also drug their feet in correcting this issue causing the problem as it is

Below is our response to the customerAdditional statement will be mailed with our response and attachments since only able to attach three additional items to the responseThank you [redacted] [redacted] *** [redacted] *** Date: January 28, Account: [redacted] Regarding the Closure of Your Checking Account Dear [redacted] : We received a copy of the complaint filed with the Revdex.com regarding the closure of your checking accountWe appreciate the time you have taken to share your thoughts and concerns regarding this matterPlease be assured that Fifth Third Bank strives to meet our customers’ financial needs while balancing a commitment to responsible banking practicesAccording to your complaint, you requested to have the checking account that you shared with your daughter, [redacted] , closed the same day that you closed the joint savings accountWe regret if you were told that both parties needed to be present to close the checking accountThe checking account could have been closed as long as no additional transactions were outstanding at the timeWe may have requested that you contact your daughter to confirm that all items had cleared the accountWe would have been unable to remove your name from the checking account, howeverIn order to have a name removed from a depository account, the account would have to be closedI regret if you were told otherwiseAccording to our records, our Bank Protection Department opened a case to investigate the activity on the checking accountIt was discovered that multiple counterfeit checks were deposited into the joint checking account during September The deposits were made at an Automatic Teller Machine (ATM)After the deposits were made, funds were withdrawn from the account at the same ATM, which created an overdraft balanceI have enclosed copies of the related checking account statements and overdraft notices for your reviewOur records indicate that we continued to send the statements and notices in both names to the address listed aboveThe checking account remained overdrawn and on October 14, 2015, the account was charged off for $and send to [redacted] for further collection proceedingsFor additional information regarding the account, you may contact [redacted] at ###-###-####If [redacted] [redacted] is willing to accept a payment as a final settlement for the account, you may contact [redacted] regarding the status of your account, on the Internet at www.consumerdebit.com, via telephone at ###-###-#### or by mail at: [redacted] , Consumer Relations, and *** [redacted] ***Fifth Third Bank, Member FDICEqual Housing LenderFifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp I regret any inconvenience you may have experienced as a result of the charge off of this accountPlease be assured that we have fully researched your concerns and we believe that this matter was handled both appropriately and professionally in accordance with the Bank’s policies and proceduresIf I may be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Lisa SOffice of the President Pc: Revdex.com Enclosures: Checking account statements, overdraft notices

Customer called Revdex.com stating business has contacted him and resolved his concerns