PROCORPSA

Thanks a lot for your company helping me to get this mess off of my hair and for 53th bank to do the right thing and getting this out of the check system company, I was able to open up a account with the credit union that I was trying to up a account with for a long timeAnd I will like to Thank the Revdex.com in Cincinnati for all your help

*** *** *** *** *** *** *** ** *** Date: July 21, 2016 Account: *** Regarding Your Mortgage Loan Account Dear *** ***: We received a copy of your complaint filed with the Revdex.com regarding your mortgage
loan accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Please be assured that Fifth Third Bank does not make decisions based on color, religion, national origin, marital status, age, sex, disability, familial status, or the receipt of public assistanceI am very sorry for the dissatisfactory experiences you have had with Fifth Third Bank employeesSpecifically, you mentioned you had a negative experience with an employee in ***, *** ***I was unable to determine what Bank employee you might have worked with regarding your request for a second (2nd) mortgage to pay for roof repairsI would be happy to further research the situation for youI can be reached using our address listed above, my phone number listed below, or via fax at ###-###-####. I apologize for the distress and inconvenience you experienced because of telephone calls you received from our Collection DepartmentEnclosed for your review is a copy of the signed Note for your mortgage loanPer the contract, the due date for your mortgage loan is the first (1st) of each monthIf the payment is not paid by the due date, the account is considered to be past due and is subject to late payment notices and phone calls from our Collection DepartmentThe end of the fifteen (15) day grace period is not the due date for the loanThe end of the fifteen (15) day grace period is the final day to make the payment before a late payment fee is applied. Please be assured that it is not our intention to upset you or cause you distress by calling if the payment is not received by the first (1st) of the monthIt is the Bank’s desire to attempt to notify customers who may have forgotten to make the payment, and to help prevent any negative credit bureau reporting and late payment fees. You may want to consider enrollment in our Auto BillPayer programAuto BillPayer will automatically process your monthly payments from any checking or savings account you own at no additional charge. You can select any payment processing date within the fifteen (15) day grace periodMany of our customers appreciate the convenience of Auto BillPayerAdditionally, our Collection Department will not contact you during the grace period if you are signed up to make the payment with Auto BillPayerAuto BillPayer also ensures that your total payment is made on time each month, which prevents the added cost of a late chargeIf you are interested in having your payments processed automatically each month from the checking or savings account of your choosing, please contact our Auto BillPayer Department at ###-###-####Auto BillPayer is available to assist you Monday through Friday from a.mto p.m., ET. Please note that if you sign up for our Auto BillPayer service and the selected payment date ever falls on a weekend or a Federal Holiday, the mortgage payment will be processed the business day before to ensure no late fees are assessed. I confirmed that you called our Customer Service Department and also spoke to our Collection Department on July 13, 2016, and requested that we cease and desist the phone calls to youWe processed your request and the cease and desist was added to your account on July 14, We have removed your telephone numbers from our systemsYou will no longer receive telephone calls should your account become delinquentPlease note that this will not stop other collection activity on the account should it become delinquentThis activity might include late charges, reports to the credit bureaus should the account become greater than thirty (30) days delinquent, or foreclosure depending on the level of delinquency. We do not have record of a previous request to cease phone calls for the accountHowever, I was able to verify that a notation was placed on the account on June 14, 2016, stating not to call you before p.m. Unfortunately; a note of that type cannot be processed or honored by our Collection DepartmentThe Fair Debt Collection Practices Act (FDCPA) allows the Bank to make collection calls from a.mto p.m. Calls can be made during this time seven (7) days a week, including weekends and holidaysCustomers are not able to request collection calls during certain hours onlyI am sorry if you were advised we could place a notation on your account to prevent calls from being made before p.mPlease be assured that I have forwarded this information to the relevant Bank personnel regarding the banker placing the note on your account. As of July 18, 2016, your mortgage loan is currentThe next monthly payment of $1,is due on August 1, 2016. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Shawna T.Office of the President Pc: Revdex.com Enclosure: Note

*** ** *** *** *** *** *** *** *** ** ***Date: August 5, 2015Account: ***Regarding Your Credit Card AccountDear *** ** ***:We received a copy of your complaint submitted to the Revdex.com regarding your Real Life
Rewards MasterCard ending in ***Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns.On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youIt was certainly not our intention to cause you any hardshipAdditionally, I 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.According to our research, your Real Life Rewards MasterCard was closed July 21, This appears to have happened after we were contacted to put a temporary block on the card February 21, As communicated in the call requesting the block, when a temporary hold has been on the card for an extended period of time without communication from the account holder regarding the need for a replacement card to be ordered, the hold becomes permanent and the card is closedWe are sorry for any inconvenience you have had with this processAs of August 4, 2015, the balance on the card is $4,547.27, I have included copies of your statements since the block was placed for your reviewIf you would like to pursue the option of applying for a new Real Life Rewards MasterCard, you can apply online at 53.com, stop into any branch location, or call our New Bankcard Accounts department directly at ###-###-####, option 3, Monday through Friday, a.mto p.m., Saturday, a.mto p.m., ET.*** ***, thank you for your patience while waiting for a responseIt is a well-known fact that no business can survive without its customers, and I 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., ET.Sincerely, Sarah S.Office of the PresidentPc: Revdex.comEnclosures: Account Statements

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 I told them not to run my husbands credit a second time because of their poor customer service and lieing to meThey made it seem like I stopped it all togetherI only did when the guy lied to meI told him not to run my husbands credit and that we would take our business somewhere else.
Regards,
*** ***

*** *** *** *** *** ** ** *** ** *** Date: February 24, 2016 Account: *** Regarding Your Mortgage Loan Dear *** *** ***: We received a copy of the letter you sent to the Revdex.com regarding your mortgage
loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As you may already be aware, due to the serious payment delinquency on your mortgage loan, the Bank is taking foreclosure actions and the property is scheduled to be sold at auction on February 29, 2016. The loan was charged off due to non-payment on December 28, The last payment received on the loan was on June 5, Please be aware that the sale of the property will not relieve you of the debt owed to the BankIf you would like to make arrangements to repay the amount owed on the loan, please contact our Collections Department at ###-###-####, Monday through Friday, a.mto p.m., ET. Please also be aware that the sale of the property will not relieve you of any amount owed for unpaid property taxesFor more information regarding the unpaid property taxes owed, you will need to contact *** *** County. If 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, Adam P.Office of the President PC: Revdex.com

*** *** *** *** *** *** ** *** Date: February 14, 2018 Account: *** Regarding Your Fifth Third Bank Gift Card Dear *** ***: We received a copy of the complaint you filed with the Revdex.com concerning your Fifth
Third Bank Gift CardWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the level of service you received from our Disputes Resolution DepartmentPlease be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customersAfter receiving your letter, I forwarded your concerns to the relevant partiesI also want you to know that customer feedback is reviewed by members of our senior and executive management teams as part of our ongoing commitment to improving customer satisfactionHowever, I cannot inform you of any specific internal actions that may be taken. When we last spoke regarding this matter on January 29, 2018, you explained that, although you were initially dissatisfied with the level of service you had previously received, your recent interactions had improvedAccording to our research into this matter, the required dispute form was received via fax on three (3) occasions on January 22, 2018, January 23, 2018, and on January 26, When the dispute form was initially received on January 22, 2018, a letter was sent acknowledging receipt of your dispute claimThe letter also provided the dispute claim number of ***On February 1, 2018, after the requested supporting documentation from you was received, a letter was sent explaining that your account was provided with a temporary credit for the disputed chargeFor your review and convenience, the following documents are enclosed: ** Letter Dated January 22, 2018 ** Letter Dated January 24, 2018 ** Letter Dated January 27, 2018 ** Letter Dated February 1, 2018 As is indicated on the enclosed copy of the letter dated February 1, 2018, a temporary credit was issued to your account on January 31, If our Disputes Department investigates the disputed charge and it is determined that an error did not occur, the temporary credit will be reversed; however, you will be notified before the temporary credit is reversedIf it is determined that there was an error, then the temporary credit will, of course, not be reversed. As is indicated on the enclosed copy of the letter dated January 24, 2018, although the dispute process typically takes up to ten (10) business days to be completed, it may take up to ninety (90) days before the case is completedAs of the date of this letter, your dispute case is still openWhen your dispute case is finalized, you will be notified by our Disputes DepartmentPlease be aware that our Disputes Department may contact you for additional information before the case is completedFor the current status of the dispute, lease contact our Disputes Department at the telephone number provided on the enclosed letters of ###-###-####. If 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, Adam P.Office of the President

*** *** ** *** *** *** ** *** Date: March 15, 2016 Account: *** Regarding Your Mortgage Loan Dear *** ***: We received a copy of the additional complaints you filed with the Revdex.com and the letter sent to the Bank concerning your mortgage loanWe appreciate the opportunity to respond to this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused youHowever, we stand by the response conveyed to you in our previous letter sent to the above address on February 11, Our position on these matters has not changedIt should be mentioned that we thoroughly researched your concerns, and due to the multiple complaints and letters received, additional research time was needed. We regret any additional frustration it may have caused when our response was delayed and we apologize if we did not meet your expectations. As we mentioned in our previous response, our review determined there was no Bank error in managing the escrow accountWe reviewed the request to reanalyze the escrow account on September 18, 2015, and it was determined a reanalysis was not required at that timeWe were unable to locate a request in July for the escrow account to be reanalyzedFor additional clarity, our review of the escrow account on January 26, 2016, determined there is a total shortage in the escrow account in the amount of $Because there was no overpayment to the escrow account, we are unable to provide the requested refundI apologize for any frustration or concern the letter dated January 26, 2016, may have caused you; however, as previously mentioned, there was no Bank error. In response to your request for a full accounting of the escrow account I have enclosed all of the Annual Escrow Account Disclosure Statements for your records and reviewOur review of the escrow account activity included the following payments disbursed: * In January 2012, $was disbursed for the city taxes. *In *** 2012, $3,was disbursed for the school taxes. * In *** 2012, $1,was returned to you for the escrow surplus. * In July 2012, $1,was disbursed for the city taxes. * In August 2012, $1,was disbursed for the insurance. * In October 2012, $3,was disbursed for the school taxes. *In January 2013, $1,was disbursed for the city taxes. * In *** 2013, $3,was disbursed for the school taxes. * In *** 2013, $was returned to you for the escrow surplus. * In July 2013, $1,was disbursed for the city taxes. * In August 2013, $1,was disbursed for the insurance. * In October 2013, $3,was disbursed for the school taxes. * In January 2014, $1,was disbursed for the city taxes. * In *** 2014, $3,was disbursed for the school taxes. * In *** 2014, $was returned to you for the escrow surplus. * In July 2014, $1,was disbursed for the city taxes. *In August 2014, $1,was disbursed for the insurance. * In October 2014, $4,was disbursed for the school taxes. * In January 2015, $1,was disbursed for the city taxes. * In *** 2015, $4,was disbursed for the school taxes. The activity that will be included on the statement for the next escrow analysis, scheduled to occur in *** 2016, will include the following: * In July 2015, $1,was disbursed for the city taxes. * In July 2015, $1,was disbursed for insurance. * In August 2015, $2,was disbursed for insurance, but this payment was returned to the account in August 2015. * In October 2015, $4,was disbursed for the school taxes. * In January 2016, $1,was disbursed for the city taxes. As mentioned in the previous response, we verified the tax information listed in our system is correctFor your information, our system currently reflects the following projected escrow payments: * One (1) annual payment to *** *** *** in the amount of $1,553.12. * Two (2) semi-annual payments to *** *** *** in the amount of $1,each. * Two (2) semi-annual payments to *** *** *** in the amount of $4,each. If you believe the tax information is incorrect, you may wish to contact the tax authorities to further discuss this matter. The Note, enclosed with the previous correspondence, explains that your monthly payment is due on the first day of each month and is considered past due if we do not receive your total monthly payment by that dateIf we do not receive your total monthly payment within fifteen (15) days of the due date, you will pay a late payment fee of 2% of the part of the payment that is overdueIf the payment is more than thirty (30) days past due, it will be reported as delinquent to the credit reporting agenciesIt should be mentioned that your payment will be applied to the account on the business day it is receivedIn the event that a payment is received over the weekend or on the first business day of the week, it will be backdated to the previous Friday to allow for the possibility of the grace period ending over the weekend. In regard to the post office receipts that you sent to the Bank, we stand by our previous response; for the purposes of changing the date a payment was received by the Bank, we would request proof of delivery with a signature guarantee. Our previous review of the account payment history determined that the information provided to the credit reporting agencies is accurate, and we cannot accommodate your request to correct prior negative reportingThe delinquencies are reported as follows: * July 2014: This payment was processed via Auto BillPayer on August 1, 2014, and satisfied the payment due for July 1, It should be noted that the payment date was adjusted to August 1, 2014, per the request via telephone to the Auto BillPayer Department on July 29, 2014. * September 2014: This payment was processed via Auto BillPayer on October 1, 2014, and satisfied the payment due for September 1, It should be noted that the payment date was adjusted to October 1, 2014, per the request via telephone to the Auto BillPayer Department on September 29, 2014. * January 2015: This payment was received on February 5, 2015, and satisfied the payment due for January 1, I have enclosed a copy of the check with the stamped date of receipt for your records and review. ? *** 2015: This payment was received on May 1, 2015, and satisfied the payment due for *** 1, I have enclosed a copy of the check with the stamped date of receipt for your records and review. * November 2015: This payment was received on December 23, 2015, and satisfied the payment due for November 1, I have enclosed a copy of the check with the stamped date of receipt for your records and review. * December 2015: This payment was received on January 11, 2016, and satisfied the payment due for December 1, Because this payment was received on the first business day of the week, it was backdated to the previous Friday, January 8, 2016, to allow for the possibility that the grace period ended over the weekendI have enclosed a copy of the check with the stamped date of receipt for your records and review. If you have supporting documentation to show which payments were reported as delinquent, but were paid timely, you may forward that to the Bank for our additional reviewThis documentation should be sent to the following address: Fifth Third Bank Office of the President Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. The transaction activity on the statement generated on February 11, 2016, explains the payment due for February 1, 2016, was applied to the account on February 11, This statement also explains a past due amount of $6.13, which is for the outstanding late fees due for the account as detailed in our previous correspondence and the loan payment historyPer our telephone conversation on January 29, 2016, it was confirmed that the payment due for January 1, 2016, in the amount of $3,was satisfied with the payment received by the Bank on January 22, 2016, in the amount of $3,305.00. You also mentioned a concern for the unapplied funds to the accountAs previously mentioned, a full monthly mortgage payment includes your total principal and interest payment due, plus your monthly tax and insurance obligationsIf we do not receive the total mortgage payment that is due, any funds or partial payments that we receive may post to the account in an unapplied stateIn addition, any overpayment may apply to the loan in an unapplied state until it is determined where the funds should be appliedAny unapplied funds may be reapplied or returned to you at a later time depending on the degree of delinquency on the mortgage accountPlease note there are no remaining unapplied funds on the account, as these funds were applied to the two (2) outstanding property inspection fees due totaling $24.00, and the outstanding late fees in the amount of $15.74. Thank you for your patience while we researched this matter for youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com Enclosure: Previous Response, Annual Escrow Account Disclosure Statements, Check Images

*** ** *** *** *** *** *** *** ** *** Date: August 16, 2016 Account: *** Regarding Your Checking Account Dear *** ** ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your checking
accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. I reviewed our systems and confirmed that you sent an email to the Bank via the Secure Message Center online at 53.com on June 14, You requested to close your checking accountOn June 15, 2016, an email customer service agent responded and advised they submitted the request to close the account. However, the account was not closedI verified that your checking had the zero (0) balance required for a checking account to be closedAdditionally, no transactions posted to the account that may have prevented the closure from processingI confirmed that our systems have no record that the closure request was submitted. Because the checking account remained open, the $monthly service charge for the Essential Checking account processed on July 8, The transaction caused the account balance to decrease from zero (0) to negative ($11.00)We received another email from you on July 19, 2016, regarding the account closureThe representative who responded to you, Cheryl, advised that because the account had a negative balance, you would need to discuss the issue with your banking center. I am very sorry for the difficulties you encountered while trying to close your checking account with the BankPlease be assured that the $service charge was waived from the account on July 20, 2016. The account was successfully closed on August 4, Please be assured that I have contacted the relevant Bank personnel regarding the email you received confirming the closure request was submitted, even though the account was not closed at that timeWe strive to provide accurate and professional service, and I regret that was not your experience. You mentioned that you were told you would have to speak to an internal investigation team to close the accountUnfortunately, I was unable to locate a recording of any calls to our Customer Service DepartmentI am sorry for any distress this may cause youI noticed that there was a notation on your account from our Fraud Detection Department that stated they needed to speak with youHowever, that was an old notation placed on the account in August The notation was not related to your closure requestI am sorry if you were told that you needed to speak to our Fraud Detection Department to close the accountPlease be assured that was not the caseUnfortunately, we no longer have record of why that department needed to speak to you in 2014. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Shawna T*** Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11473996, and have determined that this does not resolve my complaint I am tired of banks thinking that it was ok to make me sleep in the street, and have a good conscience about itI want to be paid between 200-in damages due to me having to sleep on the street and stranded and having to hitchike to the bank on tuesdayThe bank doesn't care who they hurt and won't take responsibility for their employees making a mistake becuase they were able to sleep in their bed and be with their family on memorial dayAnd I was out on my motorcycle out of gas and had to sleep on the streetAnd you think it is ok that they made a mistake and won't make a payment to pay for the pain and suffering I had to endure for two nights with out money because you made a mistakeHow would you feel if that happened to youOh i'm sorry your a big bank and don't care about your customersI will start researching banks and will be going elsewhere
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. Dear Revdex.com Representative: Sorry for the delay respond, but I was waiting for Fifth Third Bank letter about my issue.The issue is still in resolve, nothing yet has been resolve yet. I received a letter from Fifth Third Bank on October 23rd, later dated on October 20, that they have completed their review of the information reporting on my credit report for my mortgage loanTheir review determined that the information provided to the credit reporting agencies is incorrectThey have submitted an update to all four (4) credit bureaus to correctly report the account as being included in my chapter bankruptcy discharged on October 29, 2013, with zero balance owedBut I have to wait approximately thirty (30) days for the credit reporting agencies to update their reporting, and also Fifth third bank will continue to conduct reviews and follow up with the credit reporting agencies until they ensure the account is reporting correctly. I am going to wait thirty (30) days from the date of the letter to make sure if *** have the update informationOnce I can see the correction, I will let you know as soon as possible. Thanks again Revdex.com for help me with this matter, and I really appreciate it. Sincerely *** ** ***
*** * *** *** ***
*** * ** *** complaint ID ***
Regards,
*** ***

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 They have failed utterly in their responseThey never addressed their wrongdoingsThey never offered any appropriate solutions or resolution.
Re**rds,
*** ***

*** ** *** *** * *** ** *** *** ** *** Date: November 28, 2017 Account: *** Regarding Your *** Credit Card Dear *** ** ***: We received a copy of the complaint you filed with the Revdex.com concerning your Fifth Third
Bank *** credit cardWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. Although you can access your account information and schedule a payment on our website at 53.com, you cannot establish a recurring payment from a non-Fifth Third Bank checking account to your credit card on our websiteHowever, you may be able to establish a recurring payment from a non-Fifth Third Bank account through your financial institution’s websiteAlternatively, you can establish recurring and automatic monthly payments from a non-Fifth Third Bank account by using our Auto BillPayer service. There is no cost associated with Auto BillPayerIf you are interested, please call ###-###-####, Monday through Friday a.mto p.m., ET. A minimum payment of $was due on October 28, Since we did not receive the minimum payment that was due on October 28, 2017, the account was assessed a $late fee on October 30, On November 3, 2017, interest charges totaling $posted to the accountIn the interest of customer service, and because we empathize with the issues you experienced, the late fee and interest charges were reversed and credited back to the account on November 15, On November 16, 2017, your payment of $1,posted to the accountFor verification of the account activity outlined in this letter, copies of the account statements for the period from September 4, 2017, to November 27, 2017, are enclosed for your review and convenience. I also want to confirm that your account is currently enrolled in paperless statementsPlease also be aware that, if you have established recurring payments from your non-Fifth Third Bank checking account through your financial institution’s website, we cannot verify and confirm such activityYou will need to contact your financial institution for such confirmation. If 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, Adam P.Office of the President PC: Revdex.com Enclosures (3): Statements

*** ** *** *** *** *** *** *** ** *** Date: October 28, 2015 Accounts: *** Regarding Your Platinum Credit Card Dear *** ** ***: We received a copy of the complaint you filed with the Revdex.com concerning your Platinum Credit CardWe appreciate the time you have taken to document your thoughts and concerns, and sympathize with the difficulties you have experienced. We completed our research for the Platinum Credit Card account ending in ***On June 17, 2015, you began the short-term hardship planThis plan was detailed in the letter that was sent to the address listed above on June 17, 2015, which I have enclosed for your records and review. We 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 dateThey are a failsafe Fifth Third Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reportingThey are certainly not intended to cause you any hardship or frustration. We also completed a review of the payment history for the accountOn June 26, 2015, we received your payment in the amount of $Also, on August 28, 2015, we received a payment in the amount of $I have enclosed copies of these statements for your reviewThe enrollment letter that was sent to you also details the importance of making your minimum monthly payment, and if a payment is missed for two (2) consecutive months, your account will be removed from the planBecause we did not receive a payment for a sixty (60) day period, you were removed from this plan on August 26, Our review determined there was no Bank error in removing the account from the hardship planFor your information, you will be eligible to request hardship assistance for the account in March I am sorry for any additional frustration this may cause you. When an account is enrolled in a hardship program, you agree to pay per the payment terms listed on the enrollment letterIn this case, the agreed minimum monthly payment due for the next twelve (12) billing cycles was $Because you were removed from the plan on August 26, 2015, the terms and conditions of the Fifth Third Card Agreement apply to the account, including the calculations for the minimum payment dueFor your information, your next payment is due November 12, 2015, in the amount of $I have also enclosed a copy of the Fifth Third Card Agreement and this statement for your records and review. Please note we attempted to contact you regarding the payment due for your account at the phone number on file with the Bank, but were unable to reach youHowever, our records indicate that you called the Bank on July 31, 2015, to inquire if a $payment would be acceptable on the accountI am sorry for any difficulties you may have experienced when you contacted the Bank. Thank you for your patience while we researched this matter for youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, April Q.Office of the President Pc: Revdex.com Enclosures: Statements, Enrollment Letter, Fifth Third Card Agreement

*** ** *** ** *** *** ***, ** *** Date: September 4, 2015 Account: *** Regarding Your Checking Account Dear *** ** ***: We received a copy of the complaint filed with the Revdex.com regarding a recent
ATM (Automated Teller Machine) transactionWe appreciate the time you have taken to express your concerns regarding this matter. Our top priority is to provide our customers with outstanding serviceAt Fifth Third Bank, we are continuously evaluating the service we provide to our customersYour comments expressing less than quality service are very concerningPlease be assured that we take your feedback very seriously and the relevant parties have been contacted to express your dissatisfaction with the service you receivedOur Financial Center managers strive to provide professional service and accurate information to each and every customer they assist throughout the dayI am sorry if your experience at the *** Banking Center did not meet the same high standard. According to your complaint, you were recently using the ATM located at our *** Banking CenterYou inadvertently purchased $worth of postage stamps from your checking account. Because you state that you did not intend to make this transaction, a case has been opened with our Disputes DepartmentThe case number is ***While we strive to resolve all investigations as quickly as possible, please allow up to sixty (60) days for the investigation to be completedWritten confirmation will be sent to you from the Disputes Department once our investigation is completed. You will need to return the postage stamps to the *** Banking Center, at your earliest conveniencePlease contact our Disputes Department once you have returned the postage stampsOur Disputes Department can be reached toll-free at ###-###-####, Monday through Friday, a.mto p.m., ET. We regret that we are unable to adjust your ATM Preferences to keep the stamp selection option from appearing on the screen when using a Fifth Third Bank ATMAllowing our customers to purchase stamps through our ATMs is a service that we offer and we are unable to remove this choice from your cardThe option to purchase stamps does not appear every time you use our ATMs, so please be aware that this screen will appear on occasion. We strive to provide professional and accurate service, and I apologize for any inconvenience this matter has caused youYou are a valued customer and I appreciate this opportunity to address your concernsIf I may be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com

Kingsley DriveMD 1MOCOPCincinnati OH 45263*** ** *** *** *** ** ***Date: August 18, 2016Account: ***Regarding Your Installment Loan AccountDear *** ** ***:We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your
installment loan accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter.On January 31, 2015, you agreed to a sixty (60) month vehicle installment loan for $13,725.33 with an interest rate of 3.490%The monthly payment per the enclosed contract is $due by the seventeenth (17th) of each monthThe end of the ten (10) day grace period is not the due date for the loan, it indicates the date by which we will assess a late payment fee if the paymentis not received on time.Per the enclosed contract, the loan is in default if payment is not received by the due date. However, it is Fifth Third Bank policy to wait to repossess vehicles until they have become sixty (60) days delinquentAs of August 12, 2016, your loan is past due for the May 2016, June 2016, and July loan paymentsOn July 19, 2016, we approved the account for repossession of the vehicleAt that time, the account was sixty-two (62) days delinquentThe vehicle was repossessed on July 31, Per our conversation on August 9, 2016, the vehicle’s repossession for nonpayment was validEnclosed is a copy of the payment history for the loan. You mentioned in your complaint that you were applying for hardship assistance at the time of the repossession; therefore, the car should not have been repossessedPlease be advised that repossession is not placed on hold or avoided when a customer is in the process of applying for assistanceAdditionally, we confirmed that you have not applied for any hardship assistance with the BankYou called our Loss Mitigation Department on July 18, You explained that you were unable to work due to an injury so you had no income to cover the loan paymentsWe explained at that time that the account was in danger of being assigned for repossession, and that you would need to make one (1) payment that day to avoid the vehicle being takenThen we could see if we could process a two (2) month deferment, but you would need to apply and be approvedThe agent recommended you try to borrow funds to make the payment needed to avoid repossessionHowever, we did not receive a payment for the loanWe were able to review the phone call and confirmed that the agent did not advise you to crash the vehicle and use the insurance funds to pay the loan in full.I confirmed that Personal Banker Kristen Chad spoken with both you and your mom regarding the loan and the dealership warranty that you cancelledMsCwas assisting with that issueIt is my understanding that you wanted the $2,refund for the warranty to be utilized to cover the payments due for the loanHowever, Fifth Third Bank policy does not allow thisWhen a customer cancels a purchased dealership warranty, Bank policy is that the funds must be used to pay down the principal balance of the loanThe refund must be processed this way because the cost of the warranty is part of the principal balance owedAs a result, the refund must be applied to the warranty costI am sorry for the frustration this caused youMs. Crecommended you contact our Loss Mitigation Department because you were having difficulty making the loan paymentsShe also advised that banking centers do not have access to the Collection Department information or the hardship assistance processWe did not receive any documentation or an application for assistanceAdditionally, you never requested an application for assistance because you could not make the payment necessary to avoid repossessionA customer is not given preference regarding applying for assistance by speaking to a banking center.When a vehicle is repossessed, we typically require a payment that covers the total amount past due, plus fees, plus the repossession feeWhen we spoke to MsCon August 1, 2016, while you were in the banking center, we advised you would need to pay $1,to redeem the vehicleThis amount included the estimated repossession fee of $However, the management in our Collection Department has made an exception to allow you to make a reduced payment to have the vehicle returned to youThe Collection Department could then work out a plan with you to cover the fees owedI spoke to you on August 9, 2016, and provided this informationIf you were able to make a $payment that day or the next day to cover the past due balance owed, we would return the vehicle and cancel the auction saleI provided you the phone number to our Hardship DepartmentHowever, our records reflect that as of August 12, 2016, you have not made the needed payment or called us regarding the accountIf you are able to make the payment, please contact our Hardship Department at *** ***, option number four (4), if you want to make the payment so that we can verify whether the sale has already taken place.Please note that if the vehicle is sold at auction, the sale proceeds will be applied to reduce the outstanding balance of the loanIf the proceeds exceed the full payoff of the loan, we will send a check to you for the difference unless the funds must be paid to a different partyIf the loan proceeds are insufficient to you pay your loan in full, then you will still owe the remaining balance to the Bank.You also mentioned that due to a dealership error, you were listed as the co-borrower instead of the primary borrowerEnclosed for your review are all of the signed documents submitted to the Bank by the dealershipEach document has your name and signature listed as the co-borrower and *** *** name listed as the primary borrowerFor this reason, the loan was established in our systems with *** ** as the primary owner and you as the secondary ownerBecause *** *** is the primary borrower, the majority of the collection phone calls we made regarding the delinquent account were made to himWe were able to speak with him on May 30, 2016, and advised him of the delinquent account*** *** stated that he was not going to make a payment for the accountI confirmed that we called you at the phone number ###-###-#### that we had on file for you on seven (7) occasions from May 28, 2016, through June 16, You removed that phone number from our records on July 18, 2016, and added two (2) new phone numbers that dayHowever, our records reflect that we continued to call the primary borrower after that timeIn addition to phone calls, we sent delinquency notices to the mailing address on file, which is the address listed aboveI confirmed that this is the same address used in your complaint to the Revdex.comEnclosed are copies of all the delinquency notices we mailed to you regarding the account.We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely,Shawna T.Office of the PresidentPc: Revdex.comEnclosure: Note, Payment History, Dealership Documents (8), Delinquency Notices (9)

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
Although Fifth Thirds response letter indicates that they do
not accept ATM deposits if the deposit includes a person name who is not listed
on the account, this is in fact not trueAs I stated in my original complaint,
I had just completed a deposit days prior to this one at the same branch
with the same names on the check from the same payerThere was no issue with
this depositSo it would stand to reason that if Fifth Third accepted the
first deposit, with the payee names of *** and *** *** it should have
accepted the second one as well However, judging from the statement that
they included "According to our Rules and Regulations handbook, page ten
(10), section eight (8), that you received and agreed to at account opening, we
reserve the right to refuse to accept a deposit at any time." this allows
them the opportunity to decline a deposit without affording their customer any
form of notice, and it allows them to profit from multiple NSF charges until
such time that the customer becomes aware of the issueI am very much
interested in knowing how this is providing "priority first
class customer service" ??
Regards,
*** ***

*** *** * *** *** *** ** *** Date: July 19, 2016 Account: *** Regarding Your Installment Loan Dear *** ***: We received a copy of the complaint you 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. Our records show that you and the dealership contacted Fifth Third Bank on June 16, 2016, to obtain a payoff quote for your installment loan ending in ***Until we received the full payoff, you were still responsible for making payments on your installment loanAdditionally, you would have needed to contact Auto BillPayer directly to cancel the service because it is not cancelled automaticallySince you indicated in your complaint that you were told that Auto BillPayer would automatically be cancelled, we attempted to locate the call recordingUnfortunately, we were unable to locate a recording of that call, so we are not able to verify what the agent may or may not have told you. On June 28, 2016, we received and posted a payment of $7,130.26, effective June 27, 2016, to pay off your installment loan in fullThat same day, Auto BillPayer withdrew your regularly scheduled monthly payment of $Please note that since payments are not posted to a loan until the end of the business day, your installment loan would not have shown as paid in full to Auto BillPayer on that day. When payments are received for loans that are paid in full, the funds are held for ten (10) business days to ensure that the payment will not reverseOur records show that a check for $and an overpayment check for $were sent to you at the mailing address on file on July 13, Please allow seven (7) to ten (10) days to receive the checksIf you have not received the checks within that timeframe, please contact me at either number listed below. It was certainly not our intention to cause you any hardshipHowever, Auto BillPayer withdrew the monthly payment for June per your agreementTherefore, we are unable to provide you with any monetary compensationI am sorry for any frustration this may cause you. Thank you for your patience while we conducted our researchIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

*** *** *** *** *** ** *** ** *** Date: April 11, 2018 Account: *** Regarding Your Recent Experience Dear *** ***: Thank you for your recent email to Fifth Third Bank regarding your online banking experienceWe have also received a copy of a similar complaint you recently filed with the Revdex.com (Revdex.com) regarding this matterPlease be assured that Fifth Third Bank takes your continued feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the continued frustration this matter has caused youAs we discussed when we spoke regarding the request for you to establish a custom User ID rather than log onto 53.com using your social security number or a debit card account number, this is in an effort to provide an additional level of security to you during your online banking experiencePlease know that it was not our intention to cause you any inconvenience associated with either this request, or with the prequest to obtain updated annual income informationI was pleased to confirm with our Internet Banking Department that an update has occurred which should have removed these requests, however a prequest may occur again in the future in an effort to maintain up-to-date informationShould this occur again, our research has determined that clicking on the pwill cause the pto not be present with the next 53.com log-on. Should any future issues arise with prequests, please provide the Bank a screenshot of this occurrence, as well as information about which tab was being viewed at the time that this occurredA printed copy of this may be sent to: Fifth Third Bank Office of the President Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 Alternatively, the fax is ###-###-####. As stated previously, at Fifth Third Bank we strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet these expectationsI also want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. *** ***, I appreciate this opportunity to address your concerns and 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., ET. Sincerely, Sarah S.Office of the President Pc: Revdex.com

*** ** *** *** *** *** *** *** ** *** Date: February 22, 2018 Account: *** Regarding Your Checking Account Dear *** ** ***: We received a copy of the complaint you filed with the Revdex.com regarding your checking accountWe appreciate the time you have taken to document your thoughts and concerns. We have completed a review of your account ending in ***I have enclosed an Overdraft Notice dated September 20, 2017, which provides details of your account activity on September 19, The second paragraph of page one (1) explains that your account was overdrawn in the amount of $and as a result, this amount was transferred from your savings account ending in ***Please note that as you have selected the paperless option for these notices, it was not mailed to you but rather was made available for viewing in the Documents section of 53.comIf you would prefer to receive these notices by mail, you may change your document preferences at 53.com, by visiting your local branch, or by contacting our Customer Service Department at ###-###-####, Monday through Friday, a.mto p.m., and Saturday, 8:a.mto p.m., ET. I have also enclosed an Overdraft Notice dated November 29, 2017, which provides details of your account activity on November 28, The second paragraph of page one (1) explains that although you have Overdraft Protection, there were insufficient funds available in your account ending in *** to cover the overdraft and therefore an Overdraft Protection transfer did not occurWe regret any inconvenience this may have caused you. 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., ET. Sincerely, Jennifer M.Office of the President Pc: Revdex.com Enclosures: Overdraft Notices

I have made numerous balance transfers with 0% interest for varying billing cycles and I based my understanding of how this works according to every other promotion of this type that I accepted from reputable companies in the pastThis is the first and only time I have encountered a system of this typeThe offer is misleading because it appears to make the same offer as most othersHowever, when the application is accepted, they give a different perception to the meaning of billing cyclesI will not agree that their explanation is fair, therefore, I have cancelled my account with them to avoid any other misleading attempts from themI will be careful of doing business with companies like this and maintain my business with the reputable companies that I have trusted in the pastI appreciate the Revdex.com for looking at my situation and making attempts to solve it