PROCORPSA

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 5/is still refusing to accept responsibility for this I would not recommend that anyone ever gets a loan with 5/ Not only were we lied to, given information over and over again but the banks unwillingness to accept responsibility for their incompetency or provide one ounce of care for the terrible situation they have put us in is unacceptable We have never missed a payment ever We trusted this bank and they misled us and mistreated us Their response is another trauma on top of several Regards, [redacted] ***

[redacted] [redacted] *** [redacted] *** Date: June 21, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of the complaint you submitted to the Revdex.com regarding your checking account We appreciate the time you have taken to document your thoughts and concerns regarding this matterTo maintain the security of your personal and account information, I am sending this letter to the address we currently have on record for youI noticed that the address you use in your complaint is differentAccording to our security protocols, I cannot update your mailing address based upon your complaintI encourage you to call customer service to make sure your contact information is properly updatedCustomer service can be reached at ###-###-####, Monday through Friday, a.mto p.m., and Saturday, 8:a.mto p.m., ETOn behalf the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youWe strive to provide exceptional service to our customers, and I am sorry that was not your experiencePlease be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the BankI also want you know that customer feedback is reviewed by senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfactionFifth 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 Automated Teller Machine (ATM) withdrawals and debit card purchases, in the order in which they are authorizedAll 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 amountTime-stamped debits appear in your account as pending items until they are postedOther debits, including checks and electronic bill payments, are not pre-authorized by us and do not include a timestampTherefore, these items will not appear in your account until they are posted at the end of the business day’s overnight processingChecks and electronic bill payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized by you to be paid and collected for payment from Fifth Third BankIn your complaint, you mention three (3) specific overdraft occurrencesThe first (1st) occurrence was on May 3, On that day, the beginning balance in your checking account was $One (1) merchant credit of $posted to your accountNo other credits posted to your account on that dayNine (9) items totaling $were debited from your accountThese items were posted in the following order: Debit Card Purchase $Time-Stamped 05/02/4:p.mDebit Card Purchase $Time-Stamped 05/02/5:p.mDebit Card Purchase $Time-Stamped 05/02/8:p.mDebit Card Purchase $Time-Stamped 05/02/10:p.mMerchant Payment $Time-Stamped 05/03/10:a.mMerchant Payment $Time-Stamped 05/03/10:p.mMerchant Payment $Time-Stamped 05/03/1:p.mMerchant Payment $Time-Stamped 05/03/4:p.mInsurance Payment $ On that day, your account had a negative ending balance of ($96.16)Due to insufficient funds for the insurance payment one (1) overdraft fee of $was assessed and posted to your account the following business dayPlease note that since the insurance payment was not a time-stamped debit, the item would not have appeared in your account until it was posted at the end of the business day’s overnight processingOn May 4, 2017, you made a cash deposit of $to bring your account to a positive balanceThe second (2nd) occurrence you mentioned was on May 5, On that day, the beginning balance in your checking account was $No credits posted to your account on that dayOne (1) web-initiated payment of $posted to your account resulting in a negative ending balance of ($24.16)Due to insufficient funds one (1) overdraft fee of $was assessed and posted to your account the following business dayOn May 9, 2017, one (1) ATM deposit of $and one (1) direct deposit of $posted to your account bringing it to a positive balanceThe third (3rd) occurrence you mentioned was on May 22, On that day, the beginning balance in your account was $No credits posted to your account on that dayTwo (2) items totaling $were debited from your accountThese items were posted in the following order: [redacted] $ [redacted] $On that day, your account had a negative ending balance of ($63.99)Due to insufficient funds for both items two (2) overdraft fees totaling $were assessed and posted to your account the following business dayOn May 24, 2017, one (1) ATM deposit of $was credited to your account bringing it to a positive balanceYour account also became overdrawn on May 10, 2017, and June 8, I have included copies of all overdraft notices we sent to you since May 3, 2017, for your reviewOn June 9, 2017, you closed your personal checking account with a zero (0) balanceIt was certainly not our intention to cause you any hardshipOur records show that we waived overdraft fees totaling $in the past twelve (12) monthsWe are unable to waive any additional fees per our bank policyThank you for your patience while we conducted our researchWe regret that you felt the need to close your personal checking accountsIf 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 Enclosures: Overdraft Notices

[redacted] [redacted] *** [redacted] *** Date: December 23, Regarding Your Recent Call to the Bank Dear [redacted] : We received a copy of the complaint you submitted to the Revdex.com regarding your recent call to the Bank about [redacted] credit card accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere condolences for your lossI am sorry for for the level of service you received when you contacted the bank regarding your father’s credit card account on December 16, Please be assured that Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customersAfter receiving your complaint, we researched this matter and reviewed the recordings of the callsI want you to also know that customer feedback is reviewed by our senior management as part of our ongoing commitment to improving our customers’ satisfactionHowever, I cannot inform you of any specific internal actions that may have been taken at this timeThank 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 DOffice of the President Pc: Revdex.com

[redacted] [redacted] *** [redacted] *** Date: June 29, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of the rebuttal you submitted to the Revdex.com regarding your checking accountWe appreciate the time you have taken to document your additional thoughts and concerns regarding this matterI am sorry that you feel our previous response did not sufficiently address your complaintOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youHowever, we stand by the response we conveyed to you in our previous letter dated June 21, I have enclosed a copy of that letter for your convenienceOur position on this matter has not changedSince the [redacted] insurance payment posted to your account on May 3, 2017, it would not have been possible for you to have made the payment on May 4, If you have evidence to support you claim, please send documentation to the following address: Fifth Third Bank Office of the President Attn Elizabeth DKingsley Drive MD 1MOCOP Cincinnati OH You may also fax the documentation to my attention at ###-###-####If you are able to provide additional documentation, I will be happy to further research the matter for youAdditionally, you indicated that you attached a letter to your rebuttal dated March 18, 2017, stating that you have until p.mto correct an overdraft; however, this letter was not attached to your rebuttal on the Revdex.com’s websiteYou may also mail or fax this letter to me for further researchThank 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 Enclosure: Prior Response Letter

Hello: We have responded to all of the customer's concerns regarding her mortgage loan applicationsIn our response dated October 16, 2017, we informed [redacted] that we submitted a request to remove the August 15, inquiry on September 1, The credit reporting agencies can take up to days to update the reportingWe also informed [redacted] that we would submit an additional request to the credit reporting agencies to remove the inquiry, since she indicated it was still reporting on her credit report Please allow thirty (30) days for this reporting to update with the credit reporting agenciesThirty (30) days would be November 15, If [redacted] provides a credit report dated after November 15, 2017, with the August 15, credit inquiry, we will submit a third request to remove the credit inquiry In our responses, we have also provided [redacted] with the telephone numbers for the credit reporting agencies We consider this matter closed thank you.Pat S

[redacted] [redacted] ** [redacted] *** Date: October 4, Accounts: [redacted] [redacted] Regarding Your Checking Accounts Dear [redacted] : We received a copy of the complaint you submitted to the Revdex.com regarding your checking accountsWe 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 researched this matter thoroughly and passed on your concerns to the relevant parties within the BankI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfactionOur records show that you contacted the Bank on February 1, 2016, to stop an automatic withdrawal from coming out of your E-Access checking account ending in [redacted] because you did not have sufficient funds for the automatic withdrawalThe agent explained that that you could place a stop payment on the item, but that would not be a guarantee that the item would not post to your accountPer Fifth Third’s Rules and Regulations, a stop payment can only be honored if the exact information is given at the time of the request and the Bank has been given sufficient time to reasonably honor the requestYou then informed the agent that if the item could not be stopped, then you would close your accountBecause your account did not have a zero ($0.00) balance on that day and there were pending items, your account could not be closed at that timeOn February 4, 2016, you contacted the Bank to close your accountAt that time, your account had a zero ($0.00) balance and there were no pending itemsAn attempt to close your account was made on that day; however, during overnight processing for that business day an ACH (Automated Clearing House) item of $was presented for payment by the payee and posted to your account, so your account closure request failedThe following day, February 5, 2016, your account was completely closed with a zero ($0.00) balancePlease note that ACH items do not show as pending items on your account since they are not time-stamped transactions, so the agent with whom you spoke would not have been able to see that an item would post to your account when items were processed at the end of the business dayPlease also note that when closing an account it is important to make sure that you have cancelled all direct deposits and automatic payments you previously authorizedBefore you make a request to close an account, all of the merchants debiting your account needed to be notified to revoke their authorization to debit your accountBecause the item coming out of your account was pre-authorized by you, we were required to allow it to post to the accountOn February 5, 2016, you opened a new Essential Checking account ending in [redacted] at the [redacted] Main Banking CenterAs of November 9, 2015, the Bank no longer offered the E-Access Checking account product, which is why you were unable to open a new account with your prior account typeAs you are aware, unlike the E-Access Checking account product, the Essential Checking account product has a monthly service chargeBecause you have monthly direct deposits of $or more, the monthly service charge assessed to your account is $I have enclosed a copy of the Essential Checking product sheet, which provides additional information regarding the monthly service charge and ways to earn out of itIt was certainly not our intention to cause you any hardshipIn the interest of customer service, we waived monthly service charges totaling $However, we are unable to change your account back to an E-Access Checking account because this product is no longer offeredI am sorry for any frustration this may cause youThank you for your patience while we researched this matter for youYou are a valued customer, and we certainly hope to continue our banking relationship with 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, Elizabeth DOffice of the President Pc: Revdex.com Enclosure: Essential Checking Product Sheet

Please find below the text of the letter and enclosure being mailed to the customerThe 2nd enclosure providing detailed account activity is not being provided here for security reasons, but is being mailedThank you[redacted] [redacted] [redacted] *** Date: May 17, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received the complaint you filed with the Revdex.com regarding your checking accountWe 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 expectationsTo prevent an overdraft situation, you can review your account at an ATM (Automated Teller Machine), on our website at 53.com, through mobile banking, or by calling our Customer Service Department at ###-###-####Our toll-free Telephone Banking system is available twenty-four (24) hours and Customer Service Representatives can be contacted at the same telephone number and are available Monday through Friday, a.mto p.m., and Saturday, 8:a.mto p.mETWe are very sorry for the difficulty you have recently experienced with your checking accountUnfortunately, the Bank does not have a way to place a hold on your checking account to prevent additional transactions from postingAs of today, your checking account remains overdrawn for ($1,024.86)Please note that we are unable to close an account while the available balance remains in a negative stateIf you do not return your account to a positive state, it may be charged off and reported to ChexSystems for collection proceedingsI am enclosing a copy of the response to your April Revdex.com complaintIt provides a detailed explanation of Overdraft Coverage and the status of your account at that timeI have also enclosed a printout of the posted account activity since your last statement so that you can reconcile your account activityThis is the same information you view online when you log into Online Banking at 53.com, or our Mobile Banking appOur research did not find that you have disputed any account activityIf this negative balance is a result of transactions you did not authorize, you can dispute those transactions by contacting our Dispute Resolution DepartmentYou may contact our Dispute Resolution Department directly at ###-###-#### Monday through Friday 7:a.mto 8:p.mor Saturday 8:a.mthrough 5:p.m., ETIf the disputes are found in your favor, a credit will be given for the original transaction amount as well as any overdraft fees associated with that transactionIf you have authorized a check with your signature and provided it to a payee, the payee can submit your check electronically for paymentIf you have outstanding checks, or ACH (Automatic Clearing House) payments, that you want to stop from posting to your account, you can either make alternate arrangements with the payees involved or place a stop payment for each itemWhen requesting a stop payment, we require the exact details of the check item including the date, the exact spelling of the payee’s name, and the payment amountThere is a stop payment fee of $The Bank will honor only the exact information given us; otherwise, the Bank is not responsibleWhen there is a stop payment order, the item will be returned unpaid from your account after being presented for paymentIf there is no stop payment order and the item is presented for payment while the account has insufficient funds that check may be returned unpaid to the payee involved and subject to overdraft feesAfter that time, the payee may resubmit the check for your payment obligationsIn the interest of customer service, previous overdraft fees were waived on October 19, 2016; February 22, 2017; and April 26, Therefore, we are not willing to waive additional fees at this timeIt is not our intention to cause you any hardship and I apologize for the inconvenience this matter 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, Alison S.Office of the President Pc: Revdex.com Enclosure: Previous response; Printout of account activity

[redacted] [redacted] *** [redacted] , [redacted] *** Date: July 3, Account: [redacted] Regarding Disputed Transactions 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 expectationsYou disputed two (2) transactions that posted to your [redacted] Reloadable Prepaid Card ending in ***We opened Case # [redacted] for a purchase of $at [redacted] restaurantThere was a processing delay in issuing a provisional credit to you for this item and the provisional credit of $was issued on June 27, It was not our intention to cause you any hardship and I apologize for any inconvenience this may have caused youBased upon the information you provided within your complaint dated June 20, 2017, we opened Case # [redacted] for a purchase of $at [redacted] ***The provisional credit for this item was issued to the card on June 26, The merchant has a specific time interval in which to respond and prove that the charge is validThe provisional credit either becomes permanent or is removed depending upon the merchant’s responseWe strive to resolve all investigations as quickly as possible and will communicate the results of the investigation in writing once our research is completeOur [redacted] Reloadable Prepaid Cards have a dedicated Customer Service Team that can be reached directly toll-free at ###-###-####They are available twenty-four (24) hours a day, seven (7) days a week if you have additional questions regarding this matterYou 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

[redacted] ***Date: August 19, 2016Account: [redacted] Regarding Your Fifth Third Bank Mortgage LoanDear [redacted] ***:We received a copy of the two (2) complaints you filed with the [redacted] and the complaint you filed with the Revdex.com regarding your mortgage loan paymentsWe appreciate the time you have taken to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced.Your comments expressing less than quality service from our employees is extremely concerningOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have causedWe strive to provide professional and accurate information to all of our customers, and we regret if all the service you received did not meet your expectations.Each year, we review your escrow account to make sure the escrow portion of your monthly mortgage payment covers your property taxes and/or insuranceOn April 25, 2016, the Bank performed the annual analysis and sent you a letter titled, Important Information about your Mortgage Escrow AccountBased on your complaints, you did not timely receive this noticeWe have enclosed a copy of this letter for your conveniencePlease note the letter was mailed to the same address as this response.Your escrow analysis informed you that your escrow account had a $shortagePage three (3) of the analysis explains the reason for the shortageThe Bank provided you with two (2) options on how to pay the shortageThe first option was to spread the shortage over the next twelve (12) monthly paymentsYour mortgage payment would increase on June 1, to $2,390.78, with $of this payment used to settle the escrow shortageOption two (2) was to pay the escrow shortage in full before May 15, Your mortgage payment would increase to $2,332.02, with $1,being applied to principal and interest, and your new escrow payment of $The increase in your escrow payment is an attempt by the Bank to avoid a shortage in 2017.As you are aware, the Bank received and posted your payment of $2,on June 6, Because this payment did not satisfy your full monthly mortgage payment, the funds were placed in an unapplied statusThe Bank received and posted your payment of $2,on July 6, This payment was also placed in an unapplied statusOn July 15, 2016, the Bank received and posted your payment of $This payment was applied to your prior two (2) payments and satisfied your monthly payments for June 1, 2016, and July 1, On July 19, 2016, you made an escrow payment of $This payment satisfied your escrow shortageThe Bank received and posted your August 8, 2016, payment of $2,This payment satisfied your mortgage payment due on August 1, Our research indicates your next mortgage payment of $2,is due on September 1, 2016.Our research determined you contacted our customer service department regarding your late payment mark reporting to the credit reporting agencies for your June 1, 2016, paymentThis payment was not satisfied until July 6, 2016, and was correctly reported to the credit reporting agencies as thirty (30) days past duePlease note that in addition to the letter dated April 25, informing you of the escrow changes, a Mortgage Loan Statement dated May 6, 2016, which statement reflected the increase in the monthly mortgage payment, was also mailed to the same address as this responseThis statement was sent and should have been received well prior to your vacation departureWe have enclosed a copy of this statement for your convenience.You have requested our customer service department remove the late mark because you had not received the escrow notice, and you were out of the country and unaware of the payment shortageIn the interest of customer service a request to remove the late payment from your credit reporting has been submittedYou will receive a letter under separate cover from our operations department confirming this adjustmentPlease allow thirty (30) days for the credit reporting agencies to update the informationIf you apply for credit within the next thirty (30) days, please use this letter as proof that Fifth Third is removing the negative reporting.If 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 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., ET.Sincerely,Patrick S.Office of the PresidentPC: [redacted] , Revdex.comEnclosure: Escrow Analysis Statement, Mortgage Loan Statement

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 The response by the busines states in relevant part: "the Bank did not offer a promotion for cardholders to earn 8,reward points for spending $on their Real Life Reward [redacted] by March 31, 2015." This statement is patently false, as I have a copy of the original promotional mail to prove otherwise (attached herein as a pdf file)Furthermore, when I contacted Fifth Third Bank via phone on or around mid-June of this year, the representative acknowledged that the bank had, indeed, offer the aforementioned promotion, and asked me to wait a couple more months at most for the reward points to be applied to my account.It is patently dishonest and outrageous for the Bank to deny having offered the above-referenced promotionAgain, I have attached herein the evidence of the Bank's promotional offer Regards, [redacted] ***

[redacted] [redacted] ** [redacted] *** Date: October 26, Account: [redacted] Regarding Your Installment Loan Dear [redacted] : We received a copy of the complaint you submitted to the Revdex.com regarding your installment loanWe also received a copy of the complaint you submitted to the Federal Reserve Bank that was forwarded to the Consumer Financial Protection BureauWe 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 researched this matter thoroughly and passed on your concerns to the relevant parties within the BankI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfactionOn August 4, 2016, you set up recurring transfers for your installment loan ending in [redacted] in the amount of $for the fourth (4th) of each month via Internet Banking at 53.comThe first (1st) transfer from your checking account posted to your installment loan on August 4, The next recurring transfer was scheduled for September 2, 2016, because September 4, 2016, fell on a SundayOn September 2, 2016, you scheduled a transfer from your checking account to your installment loan in the amount of $1,to pay off your loanYou also attempted to cancel the recurring transfer of $229.88; however, the cancellation failed because the transfer was already in processSince the cancellation failed, both transfers were completed on that dayThe payment of $was not applied to your loan since we received the payoff payment of $1,The payment of $was considered an overpaymentOverpayments are typically held for ten (10) business days before being returned to the customerThe payoff payment of $1,was short by $4.43, so funds in the amount of $were credited to your checking account on September 13, Thank you for your patience while we conducted our researchWe truly value your business, and we look forward to continuing our banking relationship with 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, Elizabeth DOffice of the President Pc: Revdex.com, Consumer Financial Protection Bureau

[redacted] [redacted] *** [redacted] *** Date: September 18, Account: [redacted] Regarding Your Mortgage Loan Dear [redacted] : We received a copy of the complaint you filed with the Revdex.comWe also received the emails you sent to our Board of DirectorsWe strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectationsEach year, we review your escrow account to make sure the escrow portion of your monthly mortgage payment covers your property taxes and insuranceFederal Law allows for the collection of a reserve amount to maintain a cushion for unexpected tax and/or insurance increasesIts required balance cannot fall below the sum of two (2) months of projected Escrow Account payments at any point during the yearThe lowest projected balance in the escrow account is compared to the lowest required balanceIf the projected balance is greater than the required balance, a surplus can be returned to the customerOtherwise, there is a shortage and the annual escrow analysis statement gives the customer options on how to pay the shortageOn the Annual Escrow Analysis Statement prepared on May 25, 2017, there was a shortageI have enclosed a copy for your referenceOptions to pay the shortage over either twelve (12) months or entirely were providedWhen no payment towards the escrow shortage was received, it was automatically divided over the next twelve (12) months, which increased your monthly mortgage paymentYour monthly mortgage payment increased from $3,to $4,with the July 1, 2017, paymentYour payment of $3,received May 19, 2017, paid the June 1, paymentAnother payment of $3,was received on June 22, It was applied towards the principal balance because the June payment had been paid, and it was less than the payment amount due for JulyAny partial payments that you make are not applied to your mortgage, but instead are held in a separate unapplied funds accountWhen you pay the balance of the payment, the funds will then be applied to your mortgageThis information is also available on your monthly statementYour payment of $3,was received on July 20, 2017, but it was not enough to satisfy the new July payment amountAn additional $was received on August 10, 2017, which paid the past due balance in fullIn the interest of customer service, we have reapplied the July mortgage paymentIt has been backdated to reflect being received on July 20, This will adjust the late fee and interest accrualIn addition, this will remove the credit bureau reporting of one (1) payment received thirty (30) days latePlease note it can take the credit bureau agencies up to thirty (30) days to reflect changes made to an accountThe loan is now current and due for the September 1, 2017, payment of $4,If it is your intention to remain paid ahead, please send in another $We will combine it with the principal-only payment of $3,received on June 22, If you would like the funds to remain as a principal only payment, no further action is neededCustomers can remit their payments in the following ways: [redacted] By using our toll-free number, ###-###-####Please choose the # key, and then enter the loan number and the last four (4) digits of either borrower’s social security numberOption will allow you to make a paymentFees for this service vary by state [redacted] Fifth Third customers also have the option to make a payment to their loan from a non-Fifth Third account directly through Internet BankingThere is no fee for using this serviceCustomers use the “Pay Now” button to initiate these payments [redacted] Checks should be made payable to Fifth Third Bank and sent to the following address: Fifth Third Bank P.OBox Cincinnati, OH 45263-On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youYou are a valued customer and I appreciate this opportunity to address your concernsIf I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Alison S.Office of the President Pc: Revdex.com, Board of Directors Enclosure: Escrow statement

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and while I am NOT AT ALL satisfied with this particular response, I accept that Fifth Third Bank does hold all the power in this matter and will not change its position It is a sad reflection about this bank in that it would bend over backwards for an account holder with a much higher net worth to retain their business, but I have come to expect this from the business community in general I just hope that, should the day ever come where the respondent is in a similar situation or worse, they are treated with much more compassion that I was Regards, [redacted]

[redacted] ***Date: May 13, Account: [redacted] Regarding [redacted] ***Dear [redacted] :We received a copy of the follow up complaint your client filed with the Revdex.com (Revdex.com), regarding his installment loanWe appreciate the time your client has taken to express their concerns regarding this matter.We attempt to prevent our customers from taking any unnecessary losses related to fraudHowever, we are not able to detect every fraud or fully prevent a customer from becoming a victim of this type of fraudFifth Third is not obligated or in the position to make every loss resulting from such scams wholePlease keep in mind, as the person selling the vehicle, and providing their login information to the buyer, [redacted] had the ability and was in the best position to question the legitimacy of the transactions.It should be noted, the following payments were made via our website, 53.com:• February 3, 2016, online payment for $20,000.00• February 4, 2016, online payment for $1,600.00**Please note this payment satisfied the amount owed on your clients’ installment loan.As mentioned above, the individual making the payments accessed [redacted] internet banking profile using [redacted] user identification and passwordWithout this information, the fraudster would not have been able to perpetuate the fraudulent transactions.The state of [redacted] requires the Bank to release a vehicle lien within ten (10) days of receiving paymentOn February 4, 2016, the Bank issued a paid in full letter to your clientOn February 12, 2016, the Bank sent your client a letter indicating we had notified the [redacted] Department of Transportation to remove the lien from the electronic title for your client’s vehicleI have enclosed a copy of both letters for your recordsSince [redacted] is an electronic title state, the State automatically releases our lien upon notification that the installment loan was paid in fullAdditionally, the lien free title was mailed directly to your client by the [redacted] Department of Transportation upon release of the lien On February 8, 2016, the two (2) payments received on February 3, 2016, and February 4, 2016, were returned to the Bank as unauthorizedThe funds were returned to [redacted] Bank on the same dayAs we have discussed with your client, we recommend [redacted] to file a police report and claim theft by deceptionHe should also contact his insurance company and file a claim based on the policy being cancelled as a result of fraud.Our Bank Protection department is willing to assist in providing your client contact information with local law enforcement to begin this processAdditionally, we have enclosed an Application for [redacted] TitleOur research has determined the vehicle is still registered to your clientUpon receipt of the Application for Title, the Bank would be able to place a lien back on the vehicle and assist in an effort to locate the vehicleIf the vehicle is totaled as you and your client have suggested, the salvage value for the vehicle could be placed toward the balance your client owes.Please send the requested documents to the following address:Fifth Third BankKingsley Drive Attn: Patrick SMD: 1MOCOPCincinnati OH 45263Please use this letter, as verification your clients’ installment loan account is open with a principal balance of $19,The Bank received and processed a payment on April 22, 2016, for $The next payment for $is due on May 19, 2016.We have completed our review of your clients’ payment history for your installment loanOur review determined that the information provided to the credit reporting agencies is accurateWe regret any frustration this may cause [redacted] ***; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your clients’ request to correct prior negative reportingWe have enclosed a copy of the payment history for your records.Furthermore, the Bank is unwilling to reverse the late charge assessed to the installment loan account on March 5, The late charge, was a result of your client not making a regular monthly installment loan payment, which he is still obligated to make under the terms of his loan agreementYour client was sent a past due notice on February 23, Additionally, our Collection Department made nineteen (19) calls to your client between February 22, 2016, and March 12, 2016, to alert your client of the past due paymentI have enclosed a copy of the past due notice mailed to your client on February 23, 2016, for your review.If your client would like to contact the credit reporting agencies directly, their contact information can be found below:• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-#### It was certainly not our intention to cause your client any frustration and we appreciate your patience while we researched this matterIf I could be of further assistance to you please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely, Patrick S.Office of the PresidentPC: Revdex.com Enclosure: Payment History, Paid in full letter, [redacted] Title Application, Past Due Notice

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint Regards, [redacted] As soon as the Fifth Third started applying the $payment the payment was being sent to Fifth Third and to the wrong account, an accident Fifth Third Recognized and applied it to the account that they forwarded all the statements to you and me...How did they know what account it was intended for and why did they not tell [redacted] or myself that the check was going to the wrong account but was applied to the correct accountWas Fifth Third not aware who [redacted] was and why checks are sent by them? Fifth Third new it was the wrong account # and rejected another proposal on December 14th by ***Meanwhile my credit is damaged and more interest and penalties have been applied to my account because of a mistake of account numbers that Fifth Third new was a mistakeAs a business owner I know if I knowingly took advantage of a customers mistake I would be in trouble with the law, but I am not a bank Please contact me with any further questions and thank you for your time [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 THEY HAVE NOT DONE ANYTHING EXCEPT SEND LETTERS THEY HAVE ALREADY SENT AND TELL ME I OWE THEM THE MONEY THEY FORGOT TO PUT INTO ESCROWI DID CALL JENNIFER ABOUT A WEEK AFTER THE FIRST CONTACT AND SAID THEY NEEDED TIME TO LOOK INTO IT, THEN RECEIVED THE LETTER YOU HAVE POSTED AS 12/WHICH SAYS THEY NEED TIME TO LOOK INTO IT...AND I OWE MONEY! I GUESS WHEN YOUR A BIG BANK THE ONE AVERAGE PERSON MEANS NOTHINGHOPEFULLY YOU MAY HAVE BETTER LUCK I CAN'T BELIEVE THAT THEY THINK THAT LETTER IS SUFFICIENT I HAVE NOT EVEN BEEN TOLD WHERE MY UNACCOUNTED FUNDS WENT! Regards, [redacted]

[redacted] Date: February 9, Account: [redacted] Regarding Your Fifth Third Bank Business Standard Checking Account Dear [redacted] : We received your rebuttal to our initial response to your complaint filed with the Revdex.com, concerning the recent cash bonus promotionWe appreciate the time you have taken to express your concerns regarding this matterYour original complaint was filed on February 1, 2016, dated February 1, We received your rebuttal to our response on February 9, However, we stand by the response conveyed to you in the previous letter sent on February 8, I have enclosed a copy of that prior correspondence for your reviewOur position on this matter has not changedAs mentioned in our original response, the $promotional cash bonus offer had the following requirements: Open a new Fifth Third Bank business checking account before November 20, Make five (5) or more debit card transactions in the first sixty (60) daysMaintain an average balance of $5,for the first sixty (60) daysOn November 9, 2015, you visited the [redacted] Banking Center and opened a Business Standard Checking accountYou did complete more than five (5) debit card transactionsHowever, your average balance was not above $5,for the first sixty daysThe account opened with a zero balance for the first ten (10) daysYour initial and only deposit was on November 20, Therefore, this account did not qualify for the $promotional cash bonus I hope this correspondence cleared up any outstanding questions you had related to this issueIf I could be of further assistance to you, please contact me directly at 513-358- 2985, or toll free at ###-###-####, Monday through Friday, 8:a.mto 6:p.m., ETSincerely, Patrick SOffice of the President PC: Revdex.com Enclosure (1): Previous Response Letter

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 The response from 5/bank is only another apology, and one that misses the mark altogether The response to my complaint fails to mention that the bank manager assured me the deposit would go through To simply state the policy of signatures needed on a check, without mentioning the bank manager’s mistakes on this issue is an avoidance of accountability at the highest level I now know your check deposit rules when the check is made out to people...your teller knew these rules when she mentioned it to the bank manager at the time, but somehow the guy running the branch thought he could supercede this without a 2nd signature An apology doesn’t get my wife and I our honeymoon I am currently seeking legal action into this matter I will also choose a different bank to do my business as I feel more comfortable with a bank that hires competent people to handle my money as well as a more ethical upper management team that holds people accountable and makes right what they wrong to their customers Regards, [redacted] ***

[redacted] [redacted] *** [redacted] *** Date: March 22, Account: [redacted] Account: [redacted] Regarding Your Essential Checking Account Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning your Essential Checking accountWe appreciate the time you have taken to document your thoughts and concerns 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 satisfactionWe were unable to locate a record of receiving a request to close your account in August of Before an account can be closed, the account must have a $balanceAccording to your account statements, the account never had a balance of $in August of Additionally, there was regular activity in the account in August of and the account maintenance history does not indicate a request to close the account in August of In September of 2017; however, there was a request to close the accountOn September 27, 2017, you visited our [redacted] banking center to close your accountThe balance in the account at that time was $The $remaining balance in the account was withdrawn and provided to you as cashAlthough the account was brought to a balance of $0.00, the employee assisting you did not close the account at that timeSince the account was not closed, the account became overdrawn when the $monthly service charge was assessed on October 20, The ending balance in the account on October 20, 2017, was negative ($11.00)On November 2, 2017, a $transaction posted to the checking accountThe ending balance in the account on November 2, 2017, was negative ($21.00)Since the account was overdrawn, on November 3, 2017, $was transferred from your Check Card Plus account ending in ***, which is the account that was providing overdraft protection for your checking account$was transferred to cover the overdraft and the additional $was for the overdraft transfer feeThe ending balance owed on the Check Card Plus account on November 3, 2017, was $34.00, which included the $transferred to cover the checking account overdraft, the $overdraft protection transfer fee, and the $minimum finance chargeOn November 3, 2017, you visited our [redacted] banking centerAt that time, the employee assisting you requested the remaining fees on the account to be adjusted so the account could be brought to a balance of $and closedThe account was closed on November 9, 2017, after the remaining fees were adjusted and the account was brought to a balance of $Although the checking account was closed on November 9, 2017, there was still a balance of $owed on your Check Card Plus accountSince the Check Card Plus account was not paid, it was assessed finance charges and late feesThe calls that you were receiving from our Collections Department were calls collecting on the balance that was owed on the Check Card Plus accountWe understand your concerns about the collection calls you receivedOur Collection Department begins making calls to customers when a payment is not received by the due dateThese calls were put into place by Fifth Third Bank to help make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reportingThey are certainly not intended to cause you any hardship or frustrationSince your complaint letter requested that Fifth Third Bank stop calling to collect on the account, your cease and desist request was processed on February 23, Since the banker who assisted you on November 3, 2017, should have noticed, and explained the balance owed on the Check Card Plus account, interest charges, and late fees were reversed and the account was closed on March 16, As of March 19, 2018, there was still a $balance owed on the card from the original overdraft transfer; therefore, we reversed an additional late fee of $35.00, which left a credit balance of $on the cardSince there is a $credit balance on the card and the account is closed, a $check will be mailed to you for the credit balance on the cardYou will receive the check within two (2) weeks from the date of this letterI also want to be sure that you are aware that, on March 16, 2018, we have submitted an update to all four (4) credit reporting agencies to remove the negative reporting of the Check Card Plus accountPlease allow approximately thirty (30) days for the credit bureau agencies to update their reportingPlease also be assured that we will continue to conduct reviews and follow up with the credit reporting agencies until we ensure the account is reporting correctlyIf you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### For your review and convenience, all of the account statements and overdraft notices for the period from July 20, 2017, to November 17, Since statements are not generated for the Check Card Plus account, no statements for that account are providedA copy of the credit bureau correction letter dated March 16, 2018, is also enclosed [redacted] , on behalf of the Bank, please accept my sincere apologies for the issues you have experienced concerning the closure of your checking accountWe strive to provide professional and accurate service to our customers and we regret if this has not been your experienceIf I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Adam P.Office of the President PC: Revdex.com Enclosures (2): Statements and Overdraft Notices Letter Dated March 16,

[redacted] *** [redacted] [redacted] *** Date: May 27, Account: [redacted] Regarding Your Checking Account Dear [redacted] ***: We received a copy of your complaint filed with the 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 matterThe beginning balance in your checking account on May 6, 2016, was $Six (6) transactions totaling $posted to your account that day, causing an ending balance of negative ($11.38)Three (3) transactions contributed to the overdraft occurrenceWe paid all of the items and assessed three (3) overdraft fees of $each on the following business day, May 9, Enclosed for your reference is a copy of the Rules and Regulations for your accountPage three (3) provides information about the overdraft fees assessed to your accountPages eleven (11) through thirteen (13) provide additional information regarding how the Bank processes overdraftsI have also enclosed a copy of the overdraft notice we sent to you the next business day on May 9, Please note that we process transactions at the end of each business day and we do not process transactions on Saturday, Sunday, or Federal Holidays because they are not business days according to Federal guidelinesAdditionally, checks and Automated Clearing House (ACH) transactions will not show as pending items when you check your account during the dayChecks and ACH transactions are applied to your account at the end of the business day during our overnight processing hoursIf there are not enough funds to cover the checks or ACH transactions that post to your account with that day’s business, then your account is subject to overdraft fees that will be assessed to the account on the next business dayThe three (3) items that posted to your account that we paid while the balance was negative were ACH transactionsBecause ACH transactions do not show as pending on your account, the overdraft was not visible during the day on May 6, After we processed the ACH transactions during our overnight processing that day, the overdrawn balance of negative ($11.38) was listed on your account beginning on May 7, 2016, which was a SaturdayThe negative balance was visible on our website at 53.com, via our Mobile Banking application, through our automated phone system and Customer Service Department, and at our Automated Teller Machines (ATMs)While the negative balance was visible on May and May 8, 2016, overdraft fees are not assessed to the account on non-business daysThe first (1st) business day after the date of the overdraft was Monday, May 9, On May 9, 2016, the $in overdraft fees were listed as pending on your account, and they posted that night during our overnight processing hoursI am sorry for the dissatisfaction you have experienced because the fees were not visible soonerFor your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the futurePlease feel free to contact me at the number below should you have any questions regarding the enclosed reference guideI would be happy to assist youIt was certainly not our intention to cause you any frustration, and I apologize for any inconvenience this matter may have caused youWe previously reversed overdraft fees totaling $as a courtesy to youIn the interest of customer service, we have credited back an additional $in overdraft fees as a courtesy on May 25, We are unwilling to waive additional fees at this timeAs of May 24, 2016, the balance in your checking account is $I confirmed that there has not been an additional overdraft on your account since May 6, Please be assured the Bank takes overdraft account situations very seriouslyAt this time our banking centers are not currently required to contact each customer that becomes overdrawnAdditionally, Fifth Third Bank does not contact customers to notify them of a potential overdraft before the overdraft has occurredIn some cases the banking center may make a courtesy telephone call on an overdrawn accountI apologize for the distress this has caused youWe 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 T.Office of the President Pc: Revdex.com Enclosure: Overdraft Notice, Rules and Regulations, Fifth Third Overdraft Solutions