PROCORPSA

[redacted] [redacted] [redacted] *** [redacted] *** [redacted] *** Date: January 8, Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com, concerning the difficulties you experienced in paying off your vehicle installment loanWe appreciate the time you have taken to express your concerns regarding this matterYour 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 receivedWe have reviewed the recorded calls with our customer service departmentOur review was unable to find an instance where the agent was disrespectful toward youThe agent correctly informed you that your GAP insurance may not cover all fees and interest accrued on the loan due to past due paymentsAlthough the Bank does not send delinquent notices via email, the Bank did send a written notice on September 4, 2015, to notify you of your past due installment loan paymentOn February 11, 2015, you agreed to a seventy-two (72) month vehicle installment loan in the amount of $15,for your Volkswagen Jetta with a monthly payment of $due on the twenty-eight (28th) of each monthWe also confirmed that you agreed to purchase a GAP insurance policy for your installment loanFor your records, we have enclosed a copy of your signed security agreement and payment history for your installment loanOn September 4, 2015, we received a check from Nationwide Insurance, your insurance company, for $13,We have enclosed a copy of the check for your recordsOn the date the payment this payment was received, the principal balance owed on your vehicle loan was $14,Therefore, the payment from the insurance company was not sufficient to pay off your loan in fullA balance of $1,remained owed on the loan after the payment from your insurance company was receivedSince your loan balance was not paid in full, the loan remained open with a balance owedThe total loss of your vehicle did not exempt you from making the required monthly payments since we did not receive sufficient funds from your insurance company to pay off the loanOn October 23, 2015, the Bank received and posted a payment of $1,754.16, which left a balance of The amount owed includes an interest balance of $and late charges of $On November 20, 2015, the Bank received and processed a payment for $toward your installment loanThis left a remaining balance of $on your installment loanOn December 28, 2015, the Bank adjusted the interest balance on your installment loan and closed your installment loan with a zero balanceAccording to the GAP policy agreement (page section A), your policy covered the difference between the finance balance on your loan contract and the vehicle’s actual cash value should it be deemed a total lossHowever, this GAP policy does not include coverage for unearned finance charges, any past due payments, or penalty fees, including late charges, if remained unpaid on the loanIt is important that you cover the difference that your GAP insurance company is not willing to payAlthough we sympathize with the difficulties you encountered after your accident, we believe our Total Loss Department has processed the payments received from your insurance company appropriatelyThe Bank received a request from the insurance department to adjust the payment date and your negative credit reportingIn the interest of customer service, the Bank agreed to update the posting of your total loss check, and removed the negative credit reportingOn January 7, 2016, the Bank submitted a request to the credit reporting agencies to remove the late payment marks and to report your installment loan closed as of December 28, Our operation department has sent you confirmation of this adjustment under separate coverIf you apply for a loan in the next days, please use this letter as proof that Fifth Third is correcting the situationIf you 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 you any frustration and we appreciate your patience while we researched this matterYou 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 SOffice of the President PC: Revdex.com Enclosures: Security Agreement Payment History Past Due Notice GAP agreement

[redacted] Bowden GA 30108Date: June 10, Account: [redacted] Regarding Your Installment LoanDear [redacted] :Thank you for contacting the Revdex.com regarding your installment loanWe appreciate the time you have taken to express your concerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction.Maintaining customer information and security is a priority for Fifth Third BankThat information is not only limited to the account information that we have on file for customers, but also in relation to payments being sent or adjusted to accounts within Fifth Third BankFrom your correspondence, I understand that communication with a non-account holder has been accepted in the pastAccording to our records you are the only signer on the account and I was unable to locate a note allowing another to obtain information on your loanTo allow for another to have access to your account, a new loan would need to be established with joint ownership on the loanI apologize this information has not been passed on to you in past conversations with Fifth Third Bank.Fifth Third Bank has recently updated our web site to allow payments from a non-Fifth Third account to be processed to a loan with Fifth Third BankThis option may be one that is beneficial for the payment of your loanYour loan is set up to receive coupons each month as opposed to an automatic paymentBy using the web site, you can make and change payment dates when or if neededThe website is www.53.comIf you would like assistance in setting up this convenient payment option, please contact our customer service department at ###-###-####, Monday through Friday, a.mto p.m., ETand Saturday 8:a.mto p.m., ET.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 [redacted] , or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely, [redacted] ***Office of the President

[redacted] [redacted] [redacted] *** Date: September 21, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of your complaint filed with the Revdex.com, regarding your checking account ending in ***We appreciate the time you have taken to express your concerns regarding this matterWe are very sorry if our attempts to explain the Overdraft Coverage policy during your telephone calls with our Consumer Contact Center did not provide the level of detail you desired, or failed to fully address all of your questions and concernsI understand your frustration when this situation occurred and I am sorry for any inconvenience this matter may have caused youWe strive to offer our customers products that are convenient and beneficial while remaining competitive within the industrySome checking accounts have Overdraft Coverage, which can allow a customer to complete a transaction even if there are insufficient available funds in the account to cover the full amount of the transactionThis is not the same as having overdraft protectionWhen an account has be setup with overdraft protection, the available funds will automatically transfer from the connected account to attempt to bring the overdrawn account to a zero balanceOur records show that you have a Basic Checking account, and this product does not offer overdraft coverageAny debit card purchases and (ATM) withdrawals are declined when there is not enough money in your account at the time of the transactionSimilarly, if there are insufficient funds in your account when payments are processed, your checks and other payments will be returned unpaidHowever, ACH (Automated Clearing House) payments or check items are still subject to overdraft feesOn August 31, 2015, the balance in your checking account was $One (1) web initiated payment for Paypal totaling $posted to the account that day, creating an ending balance of negative ($7.99)Although you had overdraft protection at this time, there were insufficient available funds in your savings account ending in to cover the item presented for paymentDue to non sufficient funds the item was returned unpaid and one (1) overdraft fee totaling $was assessedThe ending balance was negative ($16.24)An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fee assessedIt was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this accountIn the interest of customer service, we waived the overdraft fee of $on September 21, To prevent an overdraft situation, you have the ability to review your account at an ATM (Automated Teller Machine), on our website at www.53.com, or by calling our Customer Service Department at ###-###-####If the account becomes overdrawn, we also send you an overdraft notice that includes a detailed breakdown of the day’s transactionsFor your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft SolutionsThis guide provides additional information related to the overdraft fees that we assessed to your accountWe also offer ways to track your balance and manage accounts to help avoid overdraft fees on your accounts in the futureWe sincerely hope this information will help you understand the Bank’s position going forward and resolve your needsIf I could be of further assistance to you, please call me at [redacted] or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Elizabeth JOffice of the President Pc: Revdex.com Enclosures: Overdraft Notice and Overdraft Solutions

[redacted] [redacted] *** [redacted] *** Date: February 15, 2017 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted] : We received a copy of the complaint you filed with the RevDex.com. I also appreciated... the opportunity to speak with you. We strive to provide quality service to all of our customers and I am sorry for your unsatisfactory experience during your previous attempts to resolve this matter. Please find enclosed a copy of your checking account statement ending July 13, 2013. At the bottom of page two (2), you will find a credit of $816.66 dated July 3, 2013. According to our records, that is the final credit issued by our Disputes Department for the disputed Automatic Clearing House (ACH) debit from [redacted] . You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: RevDex.com Enclosure: Account statement

[redacted] Date: August 18, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of your complaint filed with the Revdex.com, regarding the overdraft fees assessed to your checking accountWe 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, please accept my sincere apologies for any inconvenience these matters may have caused youWe strive to provide professional and accurate service to our customers and we regret if that has not been your experienceDetails on how to edit or cancel payments is included within the information about the Bill Payment Service on 53.comOnline bill payments that are scheduled via 53.com and paid electronically, can be cancelled or modified up to two (2) days prior to the scheduled payment date by 4:p.mETOnline bill payment paid by check can be cancelled or modified up to four (4) days prior to the scheduled payment date by 4:p.mETIn addition, cash deposits made at Fifth Third Bank image Automated Teller Machine (ATM) by 9:p.mET on a business day are posted to your account on that dayAll other types of deposits made at a Fifth Third Bank ATM before 7:p.mET on a business day are posted to your account on that dayDeposits made at a Fifth Third Bank ATM after these cut off times will post to your account on the following business dayAfter further research, we confirmed that the following ATM deposits were attempted on July 30, 2015: $2, 11:p.mET$1, 11:p.mET$ 11:p.mET You spoke with a Customer Service Representative concerning the failed ATM deposits at 11:p.mETAt that time, the representative determined that your closed checking account ending in was still connected as the primary account to your Enhanced Jeanie debit card ending in ***.Our Customer Service Representative corrected the issue and your cash deposit for $2,was accepted via the ATM at 11:p.mthat same nightHowever, the funds from your deposit were not available for overnight processing of transactions posted to your account on July 30, Despite the initial error you experienced at the ATM, your deposit attempt was not made prior to 9:p.mET cut off time for that business day.If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account is overdrawnWe do not assess overdraft fees on pending transactionsPer item overdraft fees will not be assessed if your account is overdrawn by less than $The amount of the per item overdraft fee is based on the number of times your account has become overdrawn in the last twelve (12) monthsFor the first overdraft occurrence, you will be charged $per itemFor each additional occurrence, a $per item fee will be assessed.On July 30, 2015, the beginning balance for your checking account was $Six (6) online bill payments totaling $1,posted to your accountTherefore, your ending account balance was negative ($1,094.59)Due to insufficient funds, six (6) overdraft fees totaling $were assessed to your account and posted the following day.On July 31, 2015, the beginning balance for your checking account was negative ($1,094.59)Your ATM deposit in the amount of $2,posted to your accountThree (3) items totaling $posted to your account, including the overdraft fees from the previous dayTherefore, your ending account balance was $1,306.31.On August 4, 2015, the beginning balance for your checking account was $1,An online bill payment check in the amount of $1,posted to your accountTherefore, your ending account balance was negative ($218.69)Due to insufficient funds, an overdraft fee of $was assessed and posted to your account the following day.It is important to ensure that your checking account has sufficient funds to cover the transactions you have authorizedIn the interest of customer service, overdraft fees totaling $were reversed and credited back to your checking account on August 10, Therefore, we are not willing to reverse any additional overdraft fees at this time.It should be noted that as of August 13, 2015, your checking account balance is negative ($105.69)If your account remains overdrawn for fifty-five (55) days, it may be charged off for further collection and reported to [redacted] Therefore, it is imperative that you make a deposit to restore your checking account to a positive state.For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions 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 futureInformation regarding overdraft coverage options is also provided on the enclosed documentPlease feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guideI would be happy to assist you[redacted] , please be assured that it was not our intention to cause you any hardship or frustrationYou are valued customers and we look forward to serving your financial needs in the futureI could be of further assistance to you, please contact me directly at ###-###-#### or toll free at [redacted] Monday through Friday, a.mto p.m., ET.Sincerely,Danielle S.Office of the PresidentEnclosure: Overdraft Solutions flyer Pc: Revdex.com

[redacted] Date: June 25, Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted] : We received a copy of your complaint filed with the Revdex.com regarding your vehicle installment loanWe 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 matterBecause you previously filed bankruptcy, we are providing this information to you in response to the complaint we receivedThis letter is not an attempt to collect a debtYour vehicle installment loan was included in your Chapter Bankruptcy that was discharged, and you did not reaffirm the loanEnclosed is a copy of your bankruptcy petition that lists Fifth Third BankFifth Third Bank will sometimes allow customers to maintain possession of the vehicle used as collateral for the loan, even if the loan was discharged in bankruptcy, as long as the customer continues to make the monthly payments as agreed upon in the installment contractHowever, bankruptcy law prevents the Bank from contacting you to collect money for the debtWe are also not permitted to tell you any payment amounts that you may owe other than the amount necessary to pay the loan in fullOur records indicate that you spoke to our Collection Department on February 3, 2015, and were advised that because of your bankruptcy, you were not obligated to continue paying the loanHowever, we explained that you could continue to voluntarily make the regular monthly payments if you wanted but, if the payments were ever discontinued, we would have to look at other options such as repossessionIf a vehicle loan is discharged in bankruptcy and the customer wants to maintain possession of the vehicle, we must continue to receive the monthly paymentWhile we cannot tell a customer with a discharged loan how much they need pay each month or how much they may be past due, payments we receive that are less than the monthly payment amount do not fulfill the monthly payment amount owed even if the payments being made are voluntaryWe have no record that you were advised you could make payment in any amount you wanted and maintain possession of the vehicleYour vehicle was repossessed per Bank guidelines on May 15, Due to the bankruptcy, we are unable to provide you with details regarding any possible past due balance that was or is owed on the accountBank representatives are able to provide you with the full payoff amount onlyFor this reason, our Collection Department was not able to tell you any specifics regarding the repossessionI apologize for the distress and inconvenience this has caused youAdditionally, because of the bankruptcy, you are able to redeem the vehicle only if you submit a payment for the full balance owed on the accountIf you would like additional details surrounding the vehicle’s repossession, your attorney can contact the Bank on your behalfI can be reached using the phone number listed below, or via mail using the following address: Fifth Third Bank [redacted] ***Alternatively, I can be reached via fax at ###-###-####.As of June 18, 2015, the payoff amount you would need to pay in order to redeem the vehicle is $4,After June 18, 2015, please add $of interest per day through the date of receipt of the payoff funds by Fifth Third BankThe vehicle is scheduled to be sold on July 8, We must receive the full payoff amount by July 7, 2015, to stop the saleIf the vehicle is sold and the proceeds from the sale exceed the outstanding loan balance, we will mail the extra funds to you via check.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, [redacted] Office of the PresidentPc: Revdex.comEnclosure: Payoff, Bankruptcy Petition

[redacted] ***Date: April 10, 2018Account: [redacted] Account: [redacted] Regarding Your Recent ExperienceDear [redacted] ***:We received a copy of the additional complaint you filed with the Revdex.com (Revdex.com) regarding your recentlydisputed transactionsPlease be assured that Fifth Third Bank takes your feedback seriously, and I appreciate thecontinued time you have taken to communicate your thoughts and concerns regarding this matter.We initially received a copy of this complaint on February 12, via the Revdex.comWe received duplicate complaints fromyou on March 20, 2018, and April 5, Although we regret your continued frustration with this matter, we stand by theresponse conveyed to you in the previous letters sent on March 14, 2018, and April 4, I have enclosed copies ofthese prior communications for your reviewOur position on this matter has not changed; Fifth Third Bank’s Office of thePresident now considers this issue closed[redacted] ***, Fifth Third Bank strives to provide professional and accurate service to our customers, and I apologize for anyinconvenience this may have caused youIf I could be of further assistance to you, please call me at ###-###-####, or tollfree at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely,Sarah S.Office of the PresidentPc: Revdex.comEnclosure (2): Previous Response Letters

[redacted] [redacted] *** [redacted] *** Date: September 21, Account [redacted] Regarding Your Equity Loan Dear [redacted] : We received a copy of the complaint you submitted to the Revdex.com regarding your equity loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn March 22, 2006, you agreed to a fifteen (15) year equity loan of $36,This amount included the payoff to [redacted] Financial of $34,591.73, settlement costs of $1,785.00, and cash to you of $173.27, less a credit of $One hundred seventy-nine (179) installment payments of $are due on the eleventh (11th) of each month beginning on May 11, 2006, and one (1) balloon payment of $27,is due on April 11, I have enclosed a copy of your loan note and settlement statement for your reviewYour equity 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 your loanIf payments are received late during the life of the loan, you pay more in interest over the life of the loanBecause less of your payments are applied to the principal balance, there may be a larger final payment due to late charges paid and additional accrued interestSince your loan originated on March 22, 2006, a total of $2,has been applied to your principal balanceA review of your payment history shows several late payments throughout the life of the loan, which have affected the interest accrued on your loan, and therefore the amount of your payments applied to principalAdditionally, the payments throughout the life of the loan have not been significantly greater than your regular monthly payment amount of $With several late payments throughout the life of the loan, less of the extra you have been paying has been applied to principalBelow is a chart showing the payments that have posted in the past twelve (12) months, which details how much of the payments were applied to principal and interest, how much interest had accrued since the last payment, and how much interest was remaining after the payments had been applied: Payment Interest Accrued Late Interest Payment Date Principal Interest Amount Since Last Payment Charges Remaining Satisfied 10/09/$$$$$$10/11/11/06/$$$$$$11/11/12/11/$$$$$$12/11/01/12/$$$$$$01/11/02/17/$$...⇄ you can see, significant portions of your payments have been applied to accrued interest, with two (2) payments applied entirely to interestThe interest rate on your equity loan is 7.75% with interest accruing by $dailyIf you would like to pay down more of your principal balance to avoid a larger balloon payment at maturity, then you will need to make larger extra payments, as well as make your payments by the due date each monthI have also enclosed a copy of your payment history, which details all of the payments that have posted since the beginning of your loan and how they have been applied to your loanAs of September 17, 2015, the total payoff of your equity loan is $34,This amount includes principal of $34,and interest of $Your next payment of $is due on October 11, Unfortunately, we are unable to make any changes to the existing terms of your loan based on your complaintHowever, you have the option of applying for a loan modificationIf you would like more information, or you would like to apply, please contact our Loss Mitigation Department at ###-###-####, option They are available Monday through Friday, a.mto p.m., and Saturday, a.mto p.m., ETAny specialist will be happy to assist youYou also mentioned that you are unable to apply for a refinance with Fifth Third BankPlease note that although we are unable to originate new loans in Arizona, we are still able to service our current loans that were previously originated in ArizonaThank you for your patience while we researched this matter for youIt is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with usIf 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 Enclosures (3): Note, Settlement Statement, Payment History Page of

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

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]

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

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

Good afternoon start off saying I’m very upset with this bank Brandy W [redacted] is not helpful they are failing to look at my point of view Brandy W [redacted] from the president office I left her voicemails she doesn’t return phone calls regarding this on going situation I don’t understand How this bank mortgage runs there Bussiness how is it 08/08/I GET APPROVED FOR A HOUSE AND A FEW WEEKS LATER IM DENIED AND THE MANAGER AND LOAN OFFICER HAS DIFFERENT OUTCOMES ON MY COMPLAINT AND DENYING MY RIGHT TO A HEARING BOARD AND MR.C [redacted] STATS AN EMAIL WHICH I WILL PROVIDE STATING PROVIDING BANK STATEMENTS IS NOT GOING TO CHANGE THIS SITUATION AND THE SPOKE TO DAVID TODAY AND WAS TOLD TO ELIMINATE MY CREDIT CARDS PLEASE IM ASKING I MEED A HIGHER PRIORITY REGARDING THIS ON GOING MATTER IF THEY ARE NOT WILLING TO FIX THIS SITUATION PLEASE GIVE ME A REFUND THIS IS NOT FAIR Desired Outcome: I DO NOT WANT TO SPEAK WITH BRANDY W [redacted] FROM THE PRESIDENT OFFICE SHE DOES NOT RETURN PHONE CALLS Please I NEED TO SPEAK TO SOMEONE HIGHER THEY ARE NOT HELPFUL

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'm not seeing a new response here Regards, [redacted]

[redacted] [redacted] *** [redacted] *** Date: January 22, Account: [redacted] Regarding Your Installment Loan Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning your Installment Loan 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 did not meet your expectationsOn 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfactionWe have completed a review of your account ending in ***Our records indicate that a payoff in the amount of $1,was received on September 28, 2017, which paid off your loan in fullOn October 7, 2017, the Bank cancelled our lien against your vehicleHowever, as your vehicle is registered and titled in a state that produces an electronic title, we do not have a title to return to youI have enclosed a copy of the Notice of Electronic Title Lien Release letter that advises that we have removed our lien and provides directions for obtaining a paper copy of your title if you so choosePlease note that as a legal electronic title is stored electronically within databases maintained by the [redacted] Department of Highway Safety & Motor Vehicles (DHSMV), there may be fees associated with printing a copy of the electronic titlePlease contact DHSMV or your local tax collector for additional information regarding these feesIt should be noted that as these fees are not assessed by the Bank, we are unable to waive them for youAdditionally, per your request, I did confirm that [redacted] transitioned to being a full electronic state on January 1, Thank you for your patience while waiting for a responseIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Jennifer M.Office of the President Pc: Revdex.com Enclosure: Notice of Electronic Title Lien Release

Revdex.com:Fifth Third went above and beyond in helping me resolve my issuesThey will continue to have a loyal customer 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] ***

*** *** *** *** *** *** ** *** Date: February 4, 2016 Account: *** Regarding Your Fifth Third Bank Installment Loan Dear *** ***: We received a copy of the complaint you filed with the Revdex.com, concerning your
installment loanWe appreciate the time you have taken to express your concerns regarding this matter. 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 received. Identity theft is one of the fastest growing crimes in the United States, As a leading financial institution, Fifth Third Bank has the responsibility of protecting its customers’ personal informationEmployees are required to take reasonable and appropriate steps to protect customer identification by verifying the identity of anyone attempting to gain access to customer informationFor incoming or outbound telephone calls, employees are required to verify three (3) pieces of information before giving out any information. Examples of the information used for identity verification are: ? Social Security Number ? Address/Telephone Number/Mother’s Maiden Name ? Password on the account ? First and Last names of additional account signers ? Collateral description for installment loans On December 4, 2015, you agreed to a sixty (60) month installment loan for your *** *** *** at the *** ***l *** dealership in ***, ***. Enclosed is a copy of your signed security agreement for your records and verification of the loan termsThe interest rate on your installment loan is fixed at 4.69% and your monthly payment is due on the eighteenth (18th) of every monthYour loan does have a ten (10) day grace periodPlease note, the grace period does not alter your due date. The grace period allows our customers the ability to make their payment within ten (10) days of their due date without incurring any late payment fees. On December 22, 2015, you requested a loan payoffPlease note, if the Bank does not receive a payoff by the end of the good through date, you are responsible for making your monthly installment loan payments on timeFailure to make your monthly loan payments may result in late charges and negative credit reportingAs of February 1, 2016, our records indicate, a payment has not been made to this installment loan. We have reviewed the multiple calls you made to our customer service department regarding your concerns with your installment loanOur review determined, the customer service agents correctly addressed the following concerns: How to log on to the website, 53.com to make a payment. That the Bank has not received the title associated with this loan. As of February 1, 2016, the Bank has not received your title from the *** Department of RevenueOur collateral department processed a title inquiry on February 1, The State of *** website, shows the vehicle is still registered in the name of the previous ownerWe suggest contacting the *** ***l *** dealership to inquire about the delays in transferring the title to your name. It was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matterYou 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., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Security Agreement

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint
The attached document is the loan paper signed at the dealershipIt clearly states the loan is EQUAL payments of $Line is labeled N/AThese are the terms I expect Fifth Third Bank to honor, as I haveI completed my equal payments of $for a total of $29,and now expect to receive my car titleReceiving my car title is the only solution I will accept
Regards,
*** ***

*** ** *** *** *** *** *** *** ** *** Date: September 15, 2015 Account: *** Regarding Your Debit Card Dear *** ** ***: Thank you for contacting the Revdex.com concerning your Debit CardWe appreciate the time you
have taken to express your concerns regarding your card. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Fifth Third Bank takes protecting the security of our customers and their accounts seriouslyI apologize if there was miscommunication between you and our fraud representative as it pertains to the blocking of your debit cardYour replacement cards were not ordered in a timely manner for you to useI did verify that two replacement cards were ordered, one ending *** that you are actively using, and one ending *** that has not been activated. Your card that was blocked, ending 2648, does not appear to have a declined transaction from the utility company that you referenced in your complaintWhen a company processes a debit on a card, a decline notification will appearIf you are able to provide Fifth Third Bank with a copy of the transaction in question and a copy of the disconnect fee, verifying that the closure of the card was a direct result of the fee, we will work with you to find a resolution to the problem. On August 21, 2015, you were issued an ATM card for your business account in addition to a pre-paid Access card. Access was set up with a transfer of $from your checking account ending ***The prepaid Access 360 card gave you the immediate ability to use the card for payments, charges and cash from your checking accountYour accounts are still accessible to you on-lineIf you need assistance in regaining access to our web site, please stop into a local branch and the banking center staff will assist you with your request. 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, Beth H. Office of the President

*** *** *** *** *** *** ** ***Date: July 27, 2015Account: ***Regarding Your Installment LoanDear *** ***:We received a copy of your complaint submitted to the Revdex.com regarding your installment loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you.On May 25, 2009, you agreed to a seventy-two (72) month installment loan for $19,with a maturity date of July 9, Your payment of $was due on the ninth (9th) of every monthEnclosed please find a copy of your installment loan security agreement which details the terms of the loanPlease note that your installment loan was 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 your 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 the loanOn this loan you had ten (10) Grace Days after your due date in which you were allowed to make your payment without accruing a late feeWe regret any misunderstanding there may have been regarding this processBecause less of your payments were applied to the principal balance at times, there may be a larger final payment due to additional accrued interestAlso included is a copy of your installment loan payment history for your recordsThis reflects a variance in the amount of principal and interest paid each month depending on the payment date.Our records indicate that you chose to participate in our Skip-A-Payment program in August While our Skip-A-Payment program removes the requirement to send a payment for the current month, by placing it at the end of the loan, it does not stop interest from accumulatingAs a result, the principal balance remains slightly higher over the remaining period of the loan and results in a larger amount required for the final payment.The final payment for an installment loan is not provided in a coupon bookThis is because the final payoff of the loan is unpredictable and unknown until the second to last payment is receivedOn July 21, 2015, we sent your Installment Loan Final Payment Notice for the payment of $due July 21, 2015, with fourteen cents ($0.14) of interest due per day until the date of receiptAfter that letter was sent we received a payment July 23, 2015, for $As of July 27, 2015, your payoff as of today is $Once this payment is made, your installment loan will be closed as paid in fullFifth Third Bank will then release the lien on the vehicle within ten (10) business days of that date.*** ***, thank you for your patience while we researched this matter for youYou have been a valued customer, and we certainly hope you will reconsider using Fifth Third Bank for your financial needs in the futureIf I can be of any further assistance, please call me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely,Sarah S.Office of the PresidentEnclosures (3): Installment Loan Security Agreement Installment Loan Payment History Payoff Letter Dated July 21,