PROCORPSA

I wanted to update on this complaint I filedI have spoken with a great rep there that did help me and the call center manager did a good job to resolve the problemNot what I wanted but I can live with being fair I am still very unsatisfied with the lack of tech opts manager and supervisors call me back, but service is working and they did work to compensate me so I will say this complaint is resolved Thank you ***

[redacted] [redacted] *** [redacted] *** Date: April 20, Account: [redacted] Regarding Your Installment Loan Dear [redacted] : We received a copy of the complaint filed with the Revdex.com regarding the information reporting on your credit report for your installment loanWe appreciate the time you have taken to express your concerns regarding this matterIt was certainly not our intention to cause you any undue frustration and we sympathize with the difficulties you encountered when inquiring about your installment loanOn behalf of the Bank, we would like to offer our sincere apologies for any inconvenience you may have causedPlease be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concernsOur Consumer Contact Center strives to provide professional and accurate service during every telephone call they receive throughout the dayI am sorry if your telephone call experience did not meet the same high standardWe have completed our review of the payment history reporting on your credit report for the above referenced installment loanOur review determined that the information provided to the credit reporting agencies is accurateOn July 30, 2012, your installment loan was charged off for $Our records indicate that we received a full recovery payment for this charged off amount on February 26, I have enclosed a copy of the payment history for your reviewWe regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to remove prior negative reportingIf you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this matter may have caused youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Lisa SOffice of the President Pc: Revdex.com Enclosure: payment history

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. [First of all, I would like to know the exact date the check in question cleared. Secondly, I would like to know how many overdraft charges I have had within the past 12 months. I do not think the bank should place a hold on my check due to overdraft issues. Fifth Third bank charges a hefty overdraft fee of $37 per transaction. In comparison, other banks like [redacted] would give you a grace period to deposit enough funds to avoid the overdraft charge. Fifth Third paid my monthly insurance premium of $300.29 to [redacted] on 7/5/17 but then reversed the charge again on 7/6/17. This caused my insurance payment to be late and a return fee of $25 charged by [redacted] (see attached) . This is not right!] Regards, [redacted]

We are in receipt of your letter dated December 29, 2016, regarding the informal complaint filed by [redacted] We have had the opportunity to investigate this Complaint and offer the following information.According to Armstrong’s records, no arrangement was made with Mr [redacted] to pay the monthly amount specified in his complaintArmstrong contacted Mr [redacted] with a call for non-payment on December 22, A service call was also made to Mr [redacted] on January 4th, and Armstrong has credited Mr [redacted] for a 1-day outageAt this time, Mr [redacted] can request a bill cycle change to accommodate his payment scheduleWe now consider this matter closed.Armstrong encourages Mr [redacted] to contact our Customer Service Center if he has any additional questions about this program or if he has any internet issuesThank 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

[redacted] I [redacted] *** [redacted] *** Date: November 8, Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted] i: We received a copy of the complaint you filed with the RevDex.com and the Consumer Financial Protection Bureau, concerning the $promotional offer for your new checking accountWe appreciate the time you have taken to express your concerns regarding this matterThank you for taking the time to speak with me on November 4, Your comments expressing less than quality customer service are very concerningAt Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customersWe sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to usFeedback like yours helps us identify problems and improve the level of service we provide to our customersPlease be assured that the relevant parties have been contacted to express your dissatisfaction with the service you receivedFifth Third Bank did offer a $promotional cash bonus for new accounts opened between April 11, and July 23, The promotion required, opening a new Essential Checking account, a direct deposit, and three (3) online bill payments within ninety (90) days after the account openingAdditionally, you needed to visit a local banking center with the coupon code associated with this offerThat code was MAB Code ***In researching your complaint, we determined your first direct deposit posted to your Essential Checking account on July 15, You made three (3) online bill payments with the third payment posting to your checking account on August 26, The transactions were all completed within the first ninety (90) days, and met the requirement of the promotional offerOn July 5, 2016, a deposit was made at the North Westerville Banking CenterYou stated in your complaint that you also brought the promotional offer email to the banking center that dayAs we discussed, the MAB Code [redacted] was not properly placed on your checking accountThis code triggers the promotional cash bonus, without the code, the promotional bonus did not post to your accountOn November 4, 2016, we submitted a request to our Retail Operations Department to credit your checking account the $Thank you for your patience while we researched this matterIt was certainly not our intention to cause you any frustrationYou are a valued customer and we hope you will allow us to serve your financial needs in the futureIf I could be of further assistance to you please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Patrick S.Office of the President PC: Revdex.com Consumer Financial Protection Bureau

[redacted] [redacted] * [redacted] *** Date: August 7, 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 matterThank you for taking the time to speak with me about the account and your concernsI was able to complete additional research to address the situation, and explain the series of events involving the fraudulent checks deposited to your checking accountEnclosed is a copy of the Rules and Regulations applicable to your checking accountOn the day of your deposit, a combined $from all deposited checks is available immediatelyThe remaining funds will be made available on the next business dayCash deposited into an account is immediately availableFor deposits made on Saturday, Sunday or a Federal Holiday, the day of your deposit is the next business dayA business day is defined as Monday through Friday, excluding Federal HolidaysDeposits received after certain cut-off times may be credited as of the next business dayOn July 15, 2017, you deposited a $4,check to your checking account ending in ***The first (1st) $from the deposit was made available for useBecause the deposit was made on a Saturday, the day of deposit was the following MondayThe full funds from the deposit were available for your use on Tuesday, July 18, The funds were made available per our standard Funds Availability Policy as outlined in the Rules and RegulationsI understand that when you deposited the check, the teller had a manager review the check before processing itI confirmed that the teller who processed the check was unsure of its validity so she had a manager reviewThey had wanted to place an extended hold on the check to ensure the check was validHowever, there was no applicable reason per Federal Regulation to place an extended hold on the checkAs a result, no hold was placed and the funds became available per our Funds Availability processingOn July 19, 2017, you deposited a $9,check that you stated was sent to you by the same person who sent you the $4,checkPer Federal Regulation CC, we were able to place a hold on the check amount above $5,Enclosed is a copy of the hold notice that we issuedThe banking center confirmed that you returned approximately an hour later with another $9,checkThey asked you about the checksYou explained that the checks were from a job you started that paid $20,to begin with in order to buy materials before the job startedThis information alerted the teller that the checks were possibly fraudulentShe contacted our Bank Protection Department, who confirmed the checks were fraudThe Bank Protection Department then placed holds on your Fifth Third Bank accounts to prevent additional account activityThe $4,check was returned unpaid on July 20, 2017, for being an altered or fictitious item, so the funds were removed from your accountHowever, you had already utilized the fundsThe $9,check, from which you utilized $100.00, was returned unpaid for the same reason on July 24, As a result, your checking account became negativeAs of July 31, 2017, the balance in your checking account ending in [redacted] is negative ($5,118.61)Due to the activity on the account, the Bank has made the difficult decision to end our banking relationship with youAs a result, your checking accounts with the Bank will be closedA copy of the closure letter sent to you is enclosed for your reviewPlease note that the closure does not affect your Access 360° accountHowever, the Access 360° account will be subject to the $monthly fee after your checking accounts are closedEnclosed is a copy of the Access 360° Cardholder AgreementIf you would like to close the Access 360° account, please call ###-###-####Representatives are available to assist you seven (7) days a week, twenty-four (24) hours a dayYou have advised that you were not aware the checks you received were fraudulent, and I apologize for the distress this situation has causedPlease note that customers are responsible for negative balances in their checking accounts for returned depositsPage two (2), section six (6), of the Rules and Regulations states that if a deposited item is returned unpaid for any reason, the customer is liable to the Bank for any loss, regardless of any confirmation of availability of funds done by BankFor this reason, you will be responsible for repaying the negative balance to the BankIf you are unable to make a deposit to cover the overdrawn balance before the account is closed, we will charge off the negative balance and may report the information to the intra-bank reporting agency ChexSystemsWe may also report information regarding the account activity to Early Warning ServicesThe Bank may also contract a third (3rd) party collection agency to attempt to collect the debt on our behalf, or we may also sell the debt to a collection agencyWe 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, Access Cardholder Agreement, Account Closure Letter

[redacted] *** [redacted] [redacted] ** [redacted] *** Date: March 15, 2018 Account: [redacted] Regarding Your Credit Card Dear [redacted] ***: We received a copy of the complaint you filed with the RevDex.com regarding your credit card.... 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 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 our customers’ satisfaction. We have completed a review of your account ending in ***. On December 29, 2017, our Dispute Resolution Department opened case number [redacted] in order to dispute charges totaling $183.63 for you. Due to the unauthorized charges, your card ending in [redacted] was closed and replaced by the card ending in ***. On March 9, 2018, your case was approved. I have enclosed the letter mailed to you on March 9, 2018, from our Dispute Resolution Department advising you of our decision. I have also enclosed your statement dated January 11, 2018, which shows that your account has been credited $185.82 for both the unauthorized purchases and the associated interest charges. I hope this letter meets your satisfaction and resolves your need. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Office of the President Pc: RevDex.com Enclosures: Letter Dated March 9, 2018, Statement

[redacted] ***Date: July 29, Account: [redacted] Regarding Your Installment LoanDear [redacted] :We received a copy of your complaint filed with the Revdex.com regarding your installment 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 matter.It is my understanding that you have spoken directly to Jeremy H., Recovery Collections Manager, regarding the title for your vehicleWe determined that your vehicle’s original title, of which the Bank only possessed one (1) original copy, was sent to you on July 22, The title was sent to the address that was on file at that time of [redacted] Because we already sent you the one (1) original title that we held, we do not have another title to send to youAt this time, the only option available to the Bank is to send a release of lien letter to you, which you can then take to the state to request a duplicate titleI confirmed that you called the Bank on July 6, 2015, and requested we send your titleYou provided us with an updated address of [redacted] and the request was submittedHowever, because we previously mailed the title, we could only send you a lien release letterOur records indicate that a lien release was sent to you on July 8, However, it is my understanding that you did not receive it.We determined that the original title was mailed to you and that no Bank error occurred at that time in However, we understand that you requested a title multiple times and that various Bank personnel advised they would have one (1) sent to you when in fact, we no longer possessed the title to sendI am very sorry for the distress and inconvenience this situation has caused youWe strive to provide accurate and professional service, and I regret that was not your experienceIn the interest of customer service, MrHemailed a copy of the certified lien release to youHe also sent a lien release to you via overnight mailHe included a $check to cover the cost of obtaining a duplicate title from the stateWe confirmed per the United Parcel Service (UPS) tracking number that the lien release and check were delivered on July 24, 2015, at 9:a.mIf this was not the case, please contact me directly using the phone number listed belowPlease contact me directly if you did not receive the letter and check.Please be assured that your concerns regarding the customer service you received and the information that was provided to you have been forwarded to the relevant Bank personnelI am sorry for your negative experience with the BankWe appreciate your feedback as it assists us in identifying problems and to continuously improve the level of service we provide to our customersHowever, I cannot inform you of specific internal corrective actions that may be taken.We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely,Shawna TOffice of the PresidentPc: Revdex.com

[redacted] ***Date: February 28, Account: [redacted] ACCOUunt: [redacted] ACCOUunt: [redacted] Regarding Your Fifth Third Bank Credit Card AccountsDear [redacted] ***:We received a copy of the complaint you filed with the Revdex.com regarding your credit card accountsWe appreciate the time you have taken to express your concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you.On May 2, 2006, the Bank received and approved your application for a Fifth Third Bank Platinum [redacted] Upon approving the application, the Bank issued a [redacted] account ending in ***For your records and Convenience, please find enclosed copies of the statements dated September 12, 2014, through your most recent statement dated February 12, The last payment made toward this account was received on November 2, This credit card account was connected to your checking account ending in [redacted] as Ready Reserve (overdraft protection).On May 14, 2014, the Bank received and approved your application for a Real Life Rewards [redacted] Upon approving the application, the Bank issued a [redacted] account ending in ***For your records and Convenience, please find enclosed statements dated June 5, 2014, through your most recent statement dated February 5, This account was also connected to your checking account as Ready Reserve (overdraft protection).For your Convenience please find enclosed copies of your checking account statements and overdraft noticesPlease use the enclosed documents as verification of the overdraft history of your checking account, and that both Credit card accounts were utilized as Ready Reserve for your checking account ending in ***.Please review the enclosed statements and contact the Dispute Resolution Department if you wish to dispute any transactionsYou can contact the disputes resolution department at ###-###-####, Monday through Friday, a.mto p.m.; Saturday 8:a.mto p.m., ETThank you for your patience while we researched this matter for youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m.E.T.Sincerely,Patrick S.Office of the PresidentPC: Revdex.comEnclosures: Credit Card Statements for both a CCountsChecking Statements Overdraft Notices

Good afternoon, I have spoken to this customer directly on October 28, 20416, (possibly after he sent the Revdex.com message) and we worked through his concernsWe are not submitting an additional response at this timeThank you! Shawna H.Customer Care Team Specialist IIFifth Third Bank | Office of the PresidentKingsley Dr.MD 1MOCOPCincinnati, OH

[redacted] [redacted] *** [redacted] *** Date: November 28, Account: [redacted] [redacted] Regarding Your Transaction Disputes Dear [redacted] : We received a copy of the follcomplaints you submitted to the [redacted] [redacted] and Revdex.com regarding your transaction disputesWe appreciate the time you have taken document your additional thoughts and concerns in this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youHowever, we stand by the responses conveyed to you in our previous letters dated October 30, 2017, and November 1, I have enclosed copies of those letters for your convenienceOur position on this matter has not changedOur additional research confirmed that the reason why your disputes with [redacted] *** were approved was because we received chargebacks from the merchantIn the case of your [redacted] dispute, the merchant sent documentation showing services were rendered and the charge was validYou will need to resolve this directly with [redacted] in about your dispute of the conditions at the motelIn regards to your dispute of the taxes, you will need to resolve this with [redacted] and the State of IllinoisFifth Third Bank cannot assist you any further with your disputesOur records show that you closed your checking accounts ending in ***, ***, and [redacted] on November 2, As of November 15, 2017, the only open account you have with the Bank is your Access 360º Card ending in ***However, there is a fraud block on the card, so you no longer have access to it, or the ability to open a new cardPlease also be aware that if we receive an additional complaint or other type of correspondence from you regarding this matter that does not contain new information, you will not receive additional correspondence from the Bank regarding this matterThis is because this matter has already been appropriately addressed in our previous letters as indicated aboveThank you for your patience while we conducted our additional researchIf 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, Pat SOffice of the President Pc: [redacted] , Revdex.com Enclosures: Previous Response Letters

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and I find Fifth Third Bank is forcing me to accept their resolution of this matter The timeliness of the resolution of this complaint is an unacceptable one for a financial institutionFifth Third Bank charges consumers/customers daily fees for bank overdrafts, in the amount of $for the first overdraft Then they charge $for every day thereafter It took days for Fifth Third Bank to come up with the solution to refund me the $their faulty ATM kept during a deposit that took place days ago Fifth Third Bank should be reimbursing me a total of $although their administration states they cannot refund me the same fee they charge their customers! I will be blogging about my experience as I have kept a thorough record of this event Regards, [redacted]

[redacted] *** [redacted] *** [redacted] *** Date: September 27, 2016 Account: [redacted] Regarding Your Fifth Third Bank Accounts Dear [redacted] ***: We received a copy of the follow up complaint you filed with the RevDex.com, regarding your checking and savings account activity. Thank you for taking the time to document your thoughts and concerns. I appreciated the opportunity to speak with you on September 20, 2016, regarding this matter. Your original complaint filed with the RevDex.com was received on September 2, 2016. The Bank received a complaint you filed with the [redacted] on September 14, 2016. We received your most recent complaint filed with the RevDex.com on September 21, 2016. However, we stand by the response conveyed to you in our previous letter dated September 9, 2016. Our position on this matter has not changed. I have enclosed a copy of our previous response for your records. In our prior response, we enclosed copies of your checking account statements from June 2013 through April 2014. For your records and review, we have enclosed your checking account statements from July 2010 through May 2013. In addition, we have enclosed your savings account statements from June 2010 through May 2013. Please use the enclosed documents in addition to the previously mailed statements, as verification of the account balances and activity for the time your accounts were open. On July 23, 2013, the Bank processed a garnishment on your checking and savings account. Please find enclosed a copy of check ( [redacted] ) which was sent to [redacted] County Magistrate Court. The check was negotiated on July 31, 2013. The memo line on the enclosed check states: [redacted] . Please use the enclosed document as verification that [redacted] County has processed the check mailed on July 23, 2013. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: RevDex.com Enclosure(s): Previous Response, Statements,

[ Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

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 I received this $check the other day and have now cashed itThe fact that they didn't even have record of the $payment, yet sent me the refund check for it just now, shows their lack of customer service and how truly terrible this company is when it comes to their customersIt took two months to receive my full refund and I will be satisfied when I receive the additional $I have requested that they caused me in fees for paying other items late, due to their lack of repayment in a timely manner Again, they have sent the second check of $- to which this Revdex.com response from them states they don't have record of itIt is truly appalling that a business/bank would treat matters of other people's money in this mannerAgain, severely disappointed in their lack of professionalism Regards, [redacted]

[redacted] [redacted] *** [redacted] *** Date: December 7, Account: [redacted] Regarding Your Mortgage Loan Dear [redacted] : We received a copy of the complaint you filed with the Revdex.comWe are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concernsWe strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectationsThe annual premium for your homeowners insurance policy is escrowed and is collected as part of your mortgage paymentThe Bank reached your insurance agent on October 20, 2017, to verify the premium amount due and request a copy of the billWe sent a payment of $to [redacted] on October 23, Because you also paid the annual premium, the [redacted] returned the Bank’s paymentIt was credited to the escrow account on November 17, Per your request, those funds were moved from the mortgage’s escrow account to your checking account ending in [redacted] on November 29, There was no lapse in your insurance coverage and I apologize for the inconvenience this matter 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

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. With all due respect, my original complaint has not been answered. Instead, this is a clear attempt to discredit the complaint with details of my account that I have already admittedly discussed and reviewed with Fifth Third Bank personnel. My issue is, that I did not ok overdraft protection and hundreds of dollars were taken out of the account by Fifth Third, which compounded the issue. The overdraft notices were received in bulk a week plus after the incidents. And, as I am on unemployment there was nothing's I could do to re-fund the account other than remove the debit card from affected accounts. Again, I am appealing to BBB due to the overcharging of my account for hundreds of dollars of fees that I would like re-funded. Even a compromise of half the amount would suffice. Regards, [redacted]

[redacted] *** [redacted] *** [redacted] *** Date: February 5, Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.com (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 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’ satisfactionYour mortgage loan closed on November 29, In December 2012, there was a Board of Review meeting held in [redacted] County, and two parcels [redacted] and [redacted] were combined to create the new parcel [redacted] You were notified, by the County, that the taxes will not be collected on the old parcel [redacted] and taxes would be collected on the new parcel on September 14, A corrected tax bill was sent to you, which you did not forward to the BankSince the Bank was not notified of this change, taxes were reported as exempt and no disbursements were madeOn June 20, 2014, you contacted the Bank regarding your delinquent taxesThe Bank contacted the [redacted] County tax office for payoff amountsThe first installment of taxes for parcel [redacted] was due on September 14, in the amount of $6,This amount included $in penalty for the delinquent taxesBecause the Bank was not notified by you of the parcel change, this penalty was charged to your escrow accountThe Bank is unwilling to refund this amountAt that time, the Bank also satisfied your taxes with a payment of $3,This payment resulted in a total disbursement of $10,On July 31, 2014, a review of the escrow payments discovered an overpayment of $This amount was refunded to your escrow account by the County on September 5, After this deposit, your escrow account balance was negative -$10,It should be noted, your County requires that Homestead Exemptions are filed annually before MarchSince this was not done prior to the deadline in 2015, the tax office billed your property tax amount of $6,due by September 14, This amount was disbursed on time from your escrow accountBecause you filed for the Homestead Exemption after the deadline, the Bank was not informed of the reduced tax paymentOn January 11, 2016, the Bank received a refund from the [redacted] [redacted] for $3,Upon receiving the escrow refund, the Bank has analyzed your mortgage payment for February 1, I have enclosed a copy of the corrected escrow analysis dated January 19, The new analysis shows an escrow shortage of $5,The analysis provides you with two options to pay your escrow shortageOption one (1) allows you to pay the shortage over the next twelve (12) monthsYour new mortgage payment will be $2,368.09, with $1,being applied to principal and interest, $being applied to your escrow account, and $being applied to your escrow shortagePlease note, in order to qualify for the Homestead Exemption, you will need to file prior to March 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 SOffice of the President PC: Revdex.com Enclosures: Escrow Analysis

[redacted] [redacted] *** [redacted] *** Date: December 7, Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com regarding the final payoff amount for your 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 concerningOn behalf of the Bank, I would like to offer my sincere apologies for any inconvenience this matter may have caused youPlease be assured that we have researched this matter thoroughly, and we have passed on your concerns to the relevant parties within the BankI also want you to know that our senior and executive management teams review customer concerns as part of our ongoing commitment to improving our customers’ satisfactionOn July 28, 2009, you agreed to a seventy-two (72) month installment loan for $12,with a maturity date of August 1, Your payment of $is due on the first (1st) of every monthEnclosed please find a copy of your installment loan security agreement which details the terms of the loanPlease note your installment loan is a simple interest loan, with interest accruing daily on unpaid principalWhen we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last paymentThen we apply the remaining funds to the unpaid principal balanceYour payment habits affect the amount of interest you pay over the life of the loanIf payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of your loanBecause less of your payments were applied to the principal balance, there may be a larger final payment due to additional accrued interestIn our previous response, we provided you with your installment loan payment historyAs we discussed in our phone conversation, December 2, 2015, I did not provide you with another copy of this payment historyThe payment history reflects a variance for principal and interest paid each month depending on the payment dateAfter cancelling your Auto BillPayer enrollment in January 2012, the Bank automatically ordered a coupon book for your installment loanThe coupon book was mailed on January 17, As we discussed in our phone conversation December 2, 2015, the coupon book was mailed to the address on fileUnfortunately, you had moved and we did not receive an updated address until March A second coupon book was mailed in March 2012, which you stated you did receiveThe Bank automatically sends out a final bill during the month prior to the maturity dateI have enclosed a copy of the notice mailed to you on July 7, Once we have received the final payment for an installment loan, the lien for the vehicle will be released within ten to fifteen (10-15) business daysYour installment loan has a fifteen (15) day grace periodThe grace period does not extend your due dateThe grace period allows you fifteen (15) days after the due date to make your payment in order to avoid late feesPlease note, page item 6, titled Late Charge, which states you agree to pay a late charge if the payment is not received within fifteen (15) days from the due dateThe late charge will be 10% of the payment, which is not paid in full, or $20.00, whichever is greaterAs of November 27, 2015, you have $in late fees due on this installment loanBelow, is a payment breakdown of the received payments for this installment loanThe payment breakdown shows the seventy-two (72) monthly payments necessary to satisfy the loanThis table shows the late charges assessed to your installment loanIf you have any questions after reviewing this breakdown, please contact me at the phone number found at the end of this responseDue Date Late Due Date Late Pymt Date Paid Fee Pymt Date Paid Fee 9/1/8/25/$9/1/10/15/$10/1/10/13/$10/1/11/15/$11/1/10/26/$11/1/12/14/$12/1/11/30/...⇄ Date Late Due Date Late Pymt Date Paid Fee Pymt Date Paid Fee **5/1/6/1/$5/1/5/16/$6/1/7/1/$6/1/6/10/$7/1/8/1/$7/1/7/15/$8/1/9/1/$8/1/8/12/$9/...⇄ made on 03-30- 10, was received but returned as Insufficient Funds or Account Closed [redacted] No payment received in May [redacted] No payment received in October + No payment received in Jan 2012, and Feb ++ Payment on March 15, 2012, was returned due to Insufficient Funds +++ Payment made on May 11, did not satisfy a full payment***Late charge is 10% of balance due or $whichever is greaterThis charge was waived on November 30, The remaining balance as of December 2, 2015, is $You may make a payment at any local Fifth Third Bank banking center, or you may mail a check or money order for the final payoff to the following addressFifth Third Bank Installment Loan Payoffs MD 1MCO2J Kingsley Drive Cincinnati, OH 45263-The payoff amount of $includes: ? Principal amount: $ ? Interest Balance: $ ? Total fees due: $ It was certainly not our intention to cause you any hardshipUpon reviewing your payment issues, our research determined no bank error in how your payments have been processedTherefore, we are unwilling to waive any late charges, or provide you with any additional compensationI am sorry for any frustration this may cause youThank you for your patience while waiting for a responseYou are a valued customer, and we hope you will consider using Fifth Third Bank for your financial needs in the futureIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Patrick SOffice of the President Pc: Revdex.com Enclosures (2): Payment history and Note

A credit of $has been issued to the credit card accountPlease find attached a copy of the written response being mailed to the customer alsoThank you[redacted] *** [redacted] *** [redacted] *** Date: March 29, Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.comWe are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concernsWe strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectationsI understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused youYour payment of $5,posted to your account on February 21, A credit of $has been issued to the credit card account to reimburse you for the stop payment from your credit unionYou 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