PROCORPSA

*** ** *** *** *** *** *** ** *** Date: September 23, 2015 Account: *** Regarding Your Checking Account Dear *** ** ***: We received a copy of your complaint submitted to the Revdex.com concerning the overdraft
fees you recently accrued on your checking account ending in ***I appreciate the time you have taken to communicate your thoughts and concerns. To maintain the security of your account, I am sending this letter to the address we currently have on record for youI noticed that the return address you use in your correspondence is differentAccording to our security protocols, I cannot update your mailing address based upon your correspondenceI encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updatedThe Customer Service Department can be reached toll-free at ###-###-####, Monday through Friday: 7:a.mto 8:p.m., Saturday 8:a.mto 5:p.m., ETI can be reached at the telephone number listed below. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the 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. We have researched the issue surrounding transactions that posted to the checking account ending in *** on August 17, These transactions posted after five dollars and twenty-eight cents ($5.28) was transferred from the savings account ending in *** and check number *** cleared for $50.41, bringing the account to a zero ($0.00) balance on August 12, Our research surrounding this found that although we regret that the account had not closed out yet at the time that the transactions overdrew the account, the debt owed to the Bank for the transactions themselves remain your responsibilityBoth the $in overdraft fees associated with these transactions and the $monthly service fee have been reversed on your account by employees you have spoken to previously in this processFor your records, the transactions in question are as follows: 08/17/*** *** *** Fees 15***$10.00 05/21/Web Initiated Payment at *** *** *** *** *** $ 2.00 If any transaction listed above is not legitimate, please either contact me to discuss the matter further with the information listed below, or call our Disputes Resolution Department directly at ###-###-####, Monday through Friday, a.mto p.m., Saturday, 8:a.mto p.m., ETWe regret the inconvenience this matter may have caused you, but as the customer you are in the best position to know if items you have purchased, or membership fees you have agreed to, have cleared your checking account by utilizing a checkbook register. *** ***, it was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matterIf 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, Sarah S. Office of the President Pc: Revdex.com

*** ** *** *** *** *** *** *** ** *** Date: February 23, 2017 Account: *** Regarding Your Concerns Dear *** ** ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your concerns with
the Automated Teller Machine (ATM) located in ***, ***We 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 I have contacted our ATM Maintenance Department regarding the continued difficulties you have experienced with the ATM located in ***, ***As a result, a technician will be dispatched to look at the machineI am very sorry for the frequent problems you have encountered while attempting to withdraw cash. I understand that this is the only Fifth Third Bank ATM in ***, ***, and that you are not always able to make it to the banking center before they closeAs a result, if the machine is out of order you have no way to withdrawal fundsPlease note that we recently expanded our ATM network so that you can use *** ATMs with no additional feesI located three (3) *** ATMs in ***, ***The ATM addresses are listed below: ** *** ** *** *** in ***, *** ** *** *** *** in ***, *** ** *** * *** in ***, *** You will not be charged any ATM fees for withdrawing cash at these ATMsHowever, I do not recommend making deposits at a non-Fifth Third Bank ATMIf you complete a withdrawal at the Allpoint ATM and a fee is assessed, please contact our Customer Service Department so the fee can be waivedThe Customer Service Department can be reached at ###-###-####. Customer service is available to assist you Monday through Friday from a.mto p.m., ET, and on Saturday from 8:a.mto p.m., ET. 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 H.Office of the President Pc: Revdex.com

We received this additional complaint from *** ** *** This second rebuttal does not provide any additional information related to her initial complaint.We fully researched her initial concerns and provided a written response Our position on this matter has not changed and we stand by our initial response sent on September 2, (attached). Thank you, Lisa S.| Fifth Third Bank Consumer Resolution Specialist| Office of the President*** *** *** ** *** *** ** ***

*** *** *** *** *** *** ** *** Date: March 28, 2017 Account: *** Regarding Your Truly Simple *** Account Dear *** ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding
your *** 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 was able to review your conversation with our Auto BillPayer (ABP) Department on February 14, 2017. You requested to sign up to have ABP automatically draft the minimum payment due for the account on the due dateUnfortunately, the representative with whom you spoke provided incorrect informationShe advised that the payment due on February 15, 2017, was zero ($0.00); however, the payment due was $Additionally, she advised that ABP would process the March 15, 2017, payment if the ABP authorization form was received timelyHowever, she did not advise of a specific timeframe or deadline by which we needed the form in order to make the March payment automaticallyI was also able to review a portion of your phone call to the Bank on March 20, The first (1st) representative you spoke to advised she waived the late payment fee from your accountI reviewed the account and confirmed that no fee waiver took place. Please note that ABP cannot process automatic payments until they receive the completed authorization formABP processes the payment after receiving the account statement that lists the next payment due dateFor the first (1st) payment to process, the form must be received before the credit card’s statement cycles for the next payment dueYour statement cycles on the eighteenth (18th) of the monthIn order to pay the March 15, 2017, due date, ABP needed the authorization form back by February 16, 2017. Because February 18, 2017, was a Saturday, the statement cycled on February 17, We received the form on March 1, 2017; therefore, ABP was not able to automatically pay the March 15, 2017, payment. I am very sorry for the incorrect and incomplete information you receivedPlease be assured that I have contacted the relevant Bank personnel regarding this matterBecause you were told no payment was due on February 15, 2017, I waived the $late fee that was charged to the account on February 16, Because you were advised ABP would process the March 15, 2017, payment, I also waived the $late fee that was charged to the account on March 16, Additionally, we have submitted an update to all four (4) credit reporting agencies to remove the thirty (30) day late payment reported for the February paymentPlease allow approximately thirty (30) days for the credit reporting agencies to update their reportingIf you would like to contact the credit reporting agencies directly, their contact information is listed below: ** Equifax ###-###-#### ** Experian ###-###-#### ** TransUnion ###-###-#### ** Innovis ###-###-#### I was unable to locate a recording of the agent you spoke to who provided a negative customer service experiencePlease know that we strive to provide accurate and best in class service, and it is my sincere regret that was not your experienceIf you can recall the name of the employee you spoke to and the date the call took place, I can complete additional research in an attempt to locate the call recording so that we can take the appropriate action. Please be advised that we do not issue emails to customers when the account is past dueI did verify that our Collection Department attempted to contact you multiple times using the telephone number on fileWe also issued the enclosed payment noticeAs you acknowledged in your complaint, you receive the credit card statements electronically onlyFor this reason, we did not mail a statement to you. However, you can review statements online at 53.comTo be notified when a new statement is available online, you must enable the alert to have an email sentYou can manage all alerts on 53.comIf you would like to remove statement suppression from the account to start receiving statements in the mail, you can do so at 53.comYou can also call our Customer Service DepartmentCustomer service is available to assist you Monday through Friday from a.mto p.m., ET, and on Saturday from 8:a.m. to p.m., ETIf you remove statement suppression, you can still view the statements online but you will also receive them in the mail. I confirmed that ABP will automatically make your payment due on April 15, 2017, for $You have already made this payment manually on March 20, If you do not want ABP to process another $payment on April 15, 2017, please contact the ABP Department at ###-###-####Auto BillPayer is available to assist you Monday through Friday from a.mto p.m., ETAlternatively, you can contact me directly using my phone number listed belowPlease note that ABP will process the minimum payment due on the due date regardless of any other manual payments made to the accountHowever, you can contact ABP to cancel a payment from processing. 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 Hi.Office of the President Pc: Revdex.com Enclosure: Late Payment Notice

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
*** *** Hello, I am sorry I have not been able to get service due to where I am working now, is there any way I can further this complaint since it has not been handled?

*** *** *** *** *** ** *** ***
*** *** ** *** Date: February 8, 2017 Account: *** *** Regarding Your Credit Card Accounts Dear *** ***: We received copies of the complaints you submitted to the Revdex.com
and the Consumer Financial Protection Bureau regarding your credit card accountsWe 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 youWe strive to provide exceptional service to our customers, and I am sorry that was not your experiencePlease be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the BankI also want you 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. Our records show that we sent a promotional offer to you in October for your credit card accounts ending in *** and ***The offer was for 0% Annual Percentage Rate (APR) through February 2018 when you used the enclosed convenience checksThe offer expired on December 16, We do not have any record of any other promotional offer being sent to you since that time. Our records also show that the account ending in *** was opened on May 7, 2013, and the account ending in *** was opened on June 2, The account ending in *** had you listed as the sole account holderThe account ending in *** had you listed as a joint account holder with Adrienne ***The account ending in *** was closed on January 17, 2017, at your requestOur records do not show any prior attempts to close the account. In your complaints, you stated that you used one of the convenience checks on January 9, 2017. However, please note that the promotional offer ended on December 16, It is possible that you used a convenience check for the wrong account since offers were sent for both accountsWe were unable to locate a copy of the check to further research the matter without the amount and the date on which the check was processed since we do not see any convenience checks posted to either of your accountsIf you would like for us to research this matter further, please contact me at either number below, and I will be happy to assist you. Thank you for your patience while we researched this matterYou are a valued customer, and we look forward to serving 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 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com, Consumer Financial Protection Bureau

*** *** *** ** *** *** *** ** *** Date: December 21, 2017 Account: *** Regarding Your Mortgage Loan Dear *** *** ***: We received a copy of the complaint you filed with the Revdex.com concerning 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 this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties at the BankI also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. Full monthly payment amounts are required before we can post a payment to your mortgageA full monthly mortgage payment includes your total principal and interest payment(s) due, plus your monthly tax and insurance obligations, if applicableFunds are applied in the following order: ** we pay your monthly payment due ** any remaining funds will be applied toward unpaid late charges or fees that may have been assessed on the account ** if you send funds in excess of your monthly payment amount and there are no unpaid fees, then those funds will be applied toward principal The way that the Bank applies mortgage loan payments is also explained in the Mortgage document, a copy of which was provided to you at loan closingFor your review and convenience, a copy of the Mortgage document is enclosedPlease refer specifically to page four (4) paragraph two (2). We have completed our review of the payment history on your mortgage loanOur review has determined that your mortgage loan payments to date have been properly applied. As you are already aware, and as is indicated on the enclosed copy of the Annual Escrow Account Disclosure Statement dated May 31, 2017, there is a surplus in your escrow account of $1,As is also indicated on the Annual Escrow Account Disclosure Statement dated May 31, 2017, if your mortgage loan is not in good standing, the surplus will remain in your escrow accountAt the time that surplus was discovered, your loan was not in good standingThis is why the surplus was not mailed to you. Although the mortgage loan payments were brought current on November 22, 2017, the surplus was not sent because the mortgage loan was past due when the escrow surplus was discoveredAlthough the loan payments were current from November 22, 2017, to December 1, 2017, the escrow surplus was not sent to you during that time because the surplus would only have been sent if the loan was current when the escrow surplus was initially discovered. We will not send any escrow surplus funds until the next regularly scheduled escrow analysis is performed in approximately two (2) weeksWe regret if this causes you any inconvenience or frustrationIf there is still a surplus in the escrow account when the next analysis is done, and the loan payments are current at that time, the Bank will send a check to you for any escrow surplus of $50.00 or more. Please also accept my sincere apologies for the level of service you received when you previously contacted the Bank regarding this matterWe strive to provide professional and accurate service to our customers and we regret if this has not been your experience. I also want to be sure that you are aware that, as of December 18, 2017, we have not received your mortgage loan payment that was due on December 1, In order to avoid any additional fees or negative credit reporting of the account, please be sure to send your mortgage loan payment as soon as possibleI also want to be sure that you are aware that, if you are having difficulty making your mortgage loan payments, the Bank offers payment assistance to those who qualifyFor more information, please contact our Loss Mitigation Department at ###-###-####, Monday, a.mto p.m., ET, Tuesday through Friday, a.mto p.m., ET. 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 Enclosures (2): Mortgage Document Annual Escrow Account Disclosure Statement Dated May 31,

*** *** *** *** *** *** *** * *** ** *** Date: November 9, 2017 Account: *** Account: *** Account: *** Regarding Your Express Banking and Essential Checking Accounts Dear *** *** ***: We received a copy of the
complaints you filed with the Revdex.com on October 1, 2017, regarding your Express Banking account ending in ***We also received copies of the complaints you filed with the RevDex.com on October 12, 2017, and October 20, 2017, regarding your Essential Checking account ending in ***We appreciate the time you have taken to document your thoughts and concerns. We completed a review of the Express Banking account ending in ***On September 2, 2017, case *** was opened with our Dispute Resolution Department concerning the charge with *** ***, which posted to the account on September 1, 2017. Your dispute case *** was originally opened when you contacted the Bank on September 2, 2017. According to our telephone records, you contacted our Disputes Resolution Department on September 12, 2017, and requested that your dispute case *** be canceled; therefore, the case was cancelled at that time. On October 2, 2017, you contacted the Bank and stated that your dispute case *** should not have been canceled; therefore, the case was re-opened at that time. In response to when your dispute case *** was originally opened, your checking account was provided with a temporary credit of $on September 25, When the case was cancelled, the temporary credit of $was not debited from your checking accountWhen the case was re-opened on October 2, 2017, your checking was provided with another temporary credit of $on the same dayBecause your account was provided with two (2) temporary credits of $80.00, one (1) of the temporary credits was debited from your account on November 6, On November 6, 2017, the balance in the account was negative ($79.99)Your dispute case was finalized and closed on November 7, 2017. Please also be aware that the last social security direct deposit into your Express Banking account was received and posted to the account on August 3, We have not received a social security direct deposit since August 3, 2017. Fifth Third strives to meet your financial needs while balancing a commitment to responsible banking practicesIn support of this commitment, we may review the way in which you are using your accountsBased on a recent review, which occurred prior to the receipt of your complaint, we determined that your accounts do not meet our guidelines for acceptable risk toleranceTherefore, we exercised our right to discontinue your account relationshipsOn November 7, 2017, your Express Banking account ending in *** was closedWhen your Express Banking account was closed on November 7, 2017, the account had a negative balance ($79.99). Please note that the Bank is not attempting to collect on the negative balance in the account when the account was closed. On November 8, 2017, there was a balance of $in your Essential Checking account and a balance of $0.01 in your Relationship Savings accountOn November 8, 2017, $was transferred from your savings account to your checking account and the accounts were closedEnclosed is a copy of the funds transfer receipt and a $check for the remaining balance in those accountsThe closure of your accounts was not negatively reported to any consumer-reporting or credit-reporting agency. We also completed our review of your Essential Checking account ending in *** and the $cash bonus offerAs explained in the terms and conditions, this offer was not available to existing checking or Express Banking customersBecause you were the owner of an Express Banking account when your Essential Checking account was opened, you were not eligible for this promotionTherefore, we will not accommodate your request for compensation. I also want to be sure that you are aware that, according to our records, as of November 8, 2017, your Access prepaid debit card is still open and active with a positive balance of $You can continue using this account if you wishPlease also be aware that the monthly service charge is $per month if you do not deposit $or more onto the Access card each month or have a checking account relationship with the BankIf you have any questions or concerns regarding your Access prepaid debit card, please visit any Fifth Third Banking Center or call ###-###-####, twenty four (24) hours a day, seven (7) days a week. 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 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosures (2): Funds Transfer Receipt Check

*** *** ** ** *** *** *** ** *** Date: October 27, 2016 Account: *** Regarding *** *** Mortgage Loan Account Dear *** ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding
*** *** 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. The annual escrow analysis for this mortgage loan is processed in February of each yearEnclosed is a copy of the escrow analysisPer the enclosed analysis, there was a $escrow shortage at that time, which increased the monthly payment to $effective April 1, The shortage was spread out over twelve (12) monthsThe base escrow payment was $We added $to the $for twelve (12) months to cover the shortagePlease note that we are unable to process an escrow analysis for a loan that is in foreclosureThis mortgage loan was due for an escrow analysis in February However, the loan was in foreclosure at that time so no new analysis was processedThe shortage payment required for the analysis was only a twelve (12) month paymentTherefore, after the twelfth (12th) installment of the $shortage payment was due in March 2016, the $was removed from the monthly payment requirementBecause the foreclosure proceedings prevented us from completing the February escrow analysis, the monthly escrow payment effective April went back down to the base payment of $This was not an error; we could not complete the new analysis due to the foreclosure proceedings. You reinstated the mortgage loan in April Please note that a reinstatement quote includes all past due payments and applicable feesFor this reason, the reinstatement catches up all of the past due escrow payments owed because they are part of the monthly mortgage paymentAfter a mortgage loan is reinstated during foreclosure, we submit a motion to dismiss the foreclosureWhen we receive confirmation of foreclosure dismissal, the Escrow Department is notified on a monthly reportThe Escrow Department then utilizes the report to manually run a new escrow analysis if the mortgage loan is past due for the annual analysisThe foreclosure case on this mortgage was dismissed on June 3, We ran the new escrow analysis on June 30, The reinstatement quote cannot predict the existence of an escrow shortage that will be calculated on a future escrow analysisA copy of the June escrow analysis is enclosed for your reference. Per the June 30, 2016, analysis, there was a $4,shortage in the escrow accountPlease note that this is not a double billing for the escrow accountIt is the funds needed to have the necessary escrow funds to cover the projected tax and insurance payments for the next yearThe shortage also makes up any difference for what we actually paid for taxes and insurance the previous year versus what we projected would be paid the previous yearPages two (2) and three (3) of the analysis provided a month-by-month accounting of the escrow activity the previous year and the anticipated escrow activity for the next year. Please note that there was a large increase in the insurance premiumWe projected to pay $1,in April for homeowner’s insuranceThe actual bill we paid was $3,in March This was a $1,increaseAs a result, we need to collect the extra $1,we paid previously in addition to the $3,we project will be paid next yearThe new monthly mortgage payment effective August 1, 2016, after spreading the $4,escrow shortage out over twelve (12) months was $1,178.52. We completed a new escrow analysis on July 28, We spread the $4,escrow shortage over thirty-six (36) months to lower the monthly escrow payment requiredBecause the shortage was spread out over a longer period of time, the new monthly mortgage payment effective August 1, 2016, was $945.11. We cannot apply a payment to the mortgage loan until the total amount owed for the monthly payment per our systems is receivedAfter you reinstated the mortgage loan in April 2016, the account was due for $by May 1, Please note that the May payment was due before we completed the new analysis on June 30, We received $on May 27, 2016, which satisfied the payment due for May The next payment of $was due on June 1, We received $on July 1, 2016, to cover that paymentThe next payment due was $on July 1, We received $on July 26, 2016, to cover that payment. Per the escrow analysis we completed on July 28, 2016, the new monthly mortgage payment due by August 1, 2016, was $We received $on August 23, Because the payment was insufficient to satisfy the $due, we placed the funds into an unapplied stateWe received the remaining $owed for that due date on September 2, We combined the $and $82.11 together to make the full $payment on September 7, The payment was backdated to September 2, As of October 13, 2016, we have not received additional payment for the account. Based on the information outlined in this correspondence, there was not an error in Bank procedure regarding the escrow accountI am sorry for the dissatisfaction you have experienced regarding the escrow shortageAs of October 12, 2016, the mortgage loan is past due for the $payment that was due on September 1, 2016, and the $payment that was due on October 1, 2016. If you are interested in assuming this mortgage loan, please contact Jeri Mdirectly at ###-###-####She can advise of what documentation is needed. 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 H.Office of the President Pc: Revdex.com Enclosure: Escrow Analyses (3)

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
Regards,
*** *** Problem: I have already put in one complaint about this companyI have been
called every single day since Saturday when I spoke to them and told them that I will only be able to pay my a month, and they call me daily telling me I have no promise to pay them, and I do have oneI was told I was put on a do not call list for days and they phone has rung every day since thisI am tired of being harassed by this companyThey do not follow through on what they say they will and I am trying to do as I was and make my payments and I am being harassed every single day about thisThey argue with me about the amount and that is all that I can pay and the lady I spoke to last Thursday said that was find that I pay a monthI want them to stop harassing me, not only am I trying to pay them but they are still charging me late fees and upwards of a monthHow is a person ever to get caught up? This whole situation has been a mess and it is not my fault and I am the one paying in the end!Desired Outcome: I do not want to be called daily when my promise to pay is there and it will remain the sameI want the company to rectify their mistake! I will pay my because that is all I can afford and I was told that was fine LAST WEEK and I do not want to be harassed daily by collectors!

*** *** *** *** *** ** ***Date: November 21, Essential Checking Account: *** Regular Business Checking Account "***Regarding Your Fifth Third Bank AccountsDear *** ***:We received a copy of the complaint you filed with both the Revdex.com and the
Consumer Financial Protection BureauWe are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns.Your account activity can be reviewed at an ATM (Automated Teller Machine), on our website at 53.com, through mobile banking, or by calling our Customer Service Department at ###-###-####Our toll-free Telephone Banking system is available twenty-four (24) hours and Customer Service Representatives can be contacted at the same telephone number and are available Monday through Friday, a.mto p.m., and Saturday, 8:a.mto p.mET.information regarding how we process credits and debits for both personal and business checking accounts is available in our Rules and Regulations booklethave enclosed a copy for your referencePages eleven (11) and twelve (12) give detailed information about the order in which we process credits and debits to your accountIf there is not enough money in your account at the end of the day to cover all of your activity, then we consider transactions in the following order:** Start with the balance from the prior business day** Add in credits and deposits made prior to the end of day cut-off time, per our Funds AvailabilityPolicy, a Deduct posted time stamped debits, such as ATM and debit card transactions, in order fromoldest to most recent** Deduct posted batch debits, which are all other debits such as checks and ACH (AutomaticClearing House) electronic bill payments, in order from largest amount to smallest amount**Deduct fees and service charges.If a checking 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 transactions and per item overdraft fees will not be assessed if your account is overdrawn by $or less at the end of the business day, You will not be charged for more than ten (10) items per business dayThe 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 are charged $per itemThe second occurrence and higher is $per itemAn overdraft notice that details how your account became overdrawn is sent to the address on file and is available on 53.com. if a business checking account becomes overdrawn, a charge of $per calendar day is assessed if an overdraft is not paid within five business daysIf an account is not brought current, the daily overdraft fees will accrue as of the first (1) calendar day of the overdraft occurrence up to a maximum of twenty (20) calendar days.Whether a transaction will be applied to your account on a particular day is affected primarily by whether the credit or debit was initiated with us or a third party, Credits and debits that you initiate with us are subject to cut-off timesCut off times allow a bank to process and validate transactionsCredits and debits that are initiated before a cut off time on a business day are applied to your account that day; however, Credits are subject to Funds Availability limitationsTransactions initiated after a cut off time on a business day are posted to your account the next business dayA listing of cut-off times is provided on page seventeen (17) on the enclosed Rules and Regulations booklet.In response to your concerns, we have reviewed the accounts and confirmed that the debit and credit activity posted as disclosed in our Rules and Regulations bookletI could not research your comments regarding ATMs and the mobile app being cut of service without more specific informationIf you have documentation that you would like to have reviewed further, please forward that paperwork to my attention at the following address:Fifth Third Bank Kingsley Drive Mail Drop: MOCOP Cincinnati, CH 45263I have enclosed copies of the November overdraft notices sent to you for both accountsalso enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the future.As a courtesy to you, $74,in overdraft fees were waived on the personal checking account ending in *** in September In addition, a total of $in overdraft fees was credited back to the business checking account ending in *** in the last twelve (12) monthsWe are not willing to waive additional fees on the business checking account at this timeHowever, in appreciation of your relationship with us, I have reversed two (2) additional overdraft fees totaling $on your personal checking account.You are a valued customer and I appreciate this opportunity to address your concernsIf I could be of further assistance to you, please cat me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., Eastern Standard Time.Sincerely, Alison S.Office of the PresidentPC: Revdex.com, *** *** *** ***EnclosureOverdraft notices for personal and business accounts; Brochure, Rules and Regulations bocklet

*** ** *** *** *** ** *** ** *** Date: July 17, 2017 Account: *** Regarding Your Platinum MasterCard Dear *** ** ***: We received a copy of complaint you submitted to the Revdex.com regarding your Fifth Third Bank
Platinum MasterCardWe appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youHowever, we stand by the response conveyed to you in our previous letter dated July 6, I have enclosed a copy of that letter for your convenienceOur position on this matter has not changed. For further validation of your account, I have enclosed copies of all account statements from April to February Our records do not show that we ever entered into a settlement agreement with you or agreed to remove the account from your credit reportHowever, if you have documentation to support your claim, please send that documentation to the following address: Fifth Third Bank Office of the President Attn: Elizabeth D. Kingsley Drive MD 1MOCOP Cincinnati OH 45263 You may also fax the documentation to my attention at ###-###-####Should you provide such documentation, we will be happy to research this matter further. 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 Enclosures: Previous Response Letter, 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 Dear Sir,I purchased and financed the *** *** through Fifth Third Bank, at that time Fifth Third Bank received my Title to the ***, which was suppose to be sent back to me when this loan was paid offI did not receive the title! I just sent in for a duplicate title at a cost of $33.00, which Fifth Third Bank should of had to obtain as they lost my title to the *** ***Who reimburses me for my loss of $for a Duplicate Title?*** *** *** *** did receive the release, only after I contacted the Revdex.comNot Before!The one and only time Fifth Third Bank has contacted me was the day they heard from the Revdex.comAnd that was to let me know they did hear from you and they would investigate the matter furtherThey did not contact me to resolve any problems.I feel this matter has not been resolved as of today!
Regards,
*** ***

*** *** *** *** *** *** ** *** Date: February 22, 2016 Account: *** Account: *** Regarding Your Fifth Third Bank Checking and Savings Account Dear *** ***: We received a copy of the complaint you filed with the RevDex.com, concerning your new accountsWe 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 managers at the *** Banking Center have been contacted to express your dissatisfaction with the service you received. Fifth Third Bank did offer a $promotional cash bonus for new accounts opened in April 2015. The promotion required a $or more direct deposit into the new account within the first sixty (60) days of the account opening dateThis information was stated on our distributed promotional mailers. On April 2, 2015, you visited the *** Banking Center and opened an Essential Checking account, Access card, and a Relationship Savings accountEnclosed please find copies of all the checking and savings account statements generated for your new accountsPlease note, the first direct deposit was received on July 31, 2015, which was not within the first sixty (60) daysTherefore, the Bank is unwilling to credit your checking account with the promotional cash bonus. I am sincerely sorry you feel that you did not receive your debit card or checks in a timely manner. Your checks for this account were shipped on April 15, I have verified a debit card was reported lost in the mail by you on April 15, 2015, and a replacement card was reordered that same dayYou activated your new debit card on May 8, 2015. In researching your savings account activity, please note the two (2) withdrawals on April 16, 2015, which resulted in the account ending with a zero balanceThe account maintained a zero balance for forty-four (44) daysOn June 1, 2015, the zero balance remained on the account, and the savings account was systematically closed. Fifth Third Bank processes transactions at the end of each business dayThis does not include Saturdays, Sundays, and Federal HolidaysTransactions are posted in the following order: Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability PolicyCash, Direct Deposits and Wire Transfers are available the business day we receive the deposit. Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are received. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. Fees and service charges in the order of the largest amount to the smallest amount. Please note, an overdraft fee is charged to your checking account the following business day after an overdraft occurrenceThe Bank does send an overdraft notice to the customer, alerting them to possible fees being assessed to their checking accountI have enclosed copies of the overdraft notices sent to you regarding your checking accountPlease use these notices as verification that your transactions posted per the Bank’s transaction guidelines. I have enclosed a copy of our current Rules and Regulations for your reviewPage twelve (12) provides additional information regarding our overdraft calculation orderPage seventeen (17) provides additional information regarding transaction cut-off timesPage eighteen (18) provides additional information regarding the funds availability for transactionsWe recommend that customers keep a ledger to track all transactions, including checks they have written, so that they can know if there are items that have posted and can plan accordingly. You can avoid overdraft situations by always making sure you have sufficient funds in your account to cover all of the debits you makeWe have services available to help you keep track of your account balance and the money you have spentThese include: * Logging on to 53.com * Using the mobile app * Text or email alerts * A Fifth Third ATM * Calling ###-###-#### * Visiting a banking center For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Customers 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 in the enclosed documentPlease feel free to contact me at the number below should you have any questions regarding the enclosed reference guideI would be happy to assist you. Thank you for your patience while we researched this matter for youYou are a valued customer, and we look forward to serving 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, 8 a.mto p.m., ET. Sincerely, Sarah S. Office of the President PC: Revdex.com Enclosures: Statements, Overdraft Notices, Rules and Regulations, Overdraft Solutions

Date: June 14, 2017 Account: *** ***Regarding Your Transaction DisputesDear *** ** ***:We received a copy of the rebuttal you submitted to the Revdex.com regarding yourtransaction disputesWe appreciate the time you have taken to document your additional thoughts andconcerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may havecaused youI have enclosed copies of all of the merchant documentation as you requestedI am sorrythis documentation was not provided to you with our previous response.Thank you for your patience while waiting for a responseIf I could be of further assistance to you, pleasecontact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mtop.m., ET.Sincerely,Elizabeth D.Office of the PresidentPc: Revdex.comEnclosures: Merchant Documentation

*** *** *** *** *** ** *** *** *** *** ** *** Date: January 17, 2018 Account: *** Regarding Your Vehicle Installment Loan Dear *** ***: We received a copy of the complaint you filed with the Revdex.comWe
appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties at the BankI also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. Your loan contract states that you agree to have physical damage insurance covering loss of or damage to the vehicle for the term of the contractIt also states that if you do not have the required insurance, then the Bank may purchase physical damage insurance and advise you of the charge you must then payThe charge is added to the loan balance and increases the monthly payment. On August 25, 2017, our Insurance Service Center received confirmation that the vehicle insurance policy was canceled with an effective date of cancellation of September 17, Our Insurance Service Center did not receive evidence of insurance before the policy cancellation date. I have confirmed that our Insurance Service Center issued letters to you on September 19, 2017, and October 10, 2017, advising that we did not have evidence of insurance on file and that we would purchase a policy if we did not receive evidence of insuranceCopies of the letters are enclosedSince we did not receive evidence of insurance, we purchased an insurance policy on your behalf. The cost of our insurance policy, $1,757.00, was added to your loan on November 1, 2017, and your monthly payment amount was increasedOn November 15, 2017, the Bank received evidence of insurance so the insurance policy that we purchased was canceled and removed from the loan at that time. I have confirmed that you did not receive the letters from our Insurance Service Center because of a system limitation with the vendor that we use for insurance servicesBecause their system only permits a certain amount of characters on the address line, the final characters in a lengthy address are not includedThis is why you did not receive the insurance lettersPlease be assured that there is a process in place at the Bank to fix this issue so that it does not recur. Due to a misunderstanding when researching your concerns regarding your loan payments, the $payment from November 17, 2017, and the $loan payment from December 18, 2017, was reversedTherefore, the $600.00 payment that we received on January 3, 2018, was backdated to November 17, Since the payment reversal that was done in error resulted in a late fee of $13.13, the late fee was reversed on January 3, Your next regularly scheduled loan payment of $is due on February 22, 2018. I have also confirmed that there has been no negative credit reporting of the account that resulted from the late payment, which resulted from the loan payment being returned in errorThis is because the payment was not thirty (30) days late or morePlease also be assured that, the Bank does correct negative credit reporting when the negative reporting results from an error made by the Bank. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### As you may already be aware, your loan is a simple interest loan, and interest accrues daily on unpaid principalWhen we receive your monthly payment, we first apply the money to all of the interest that has accrued since your last paymentThen we apply the remaining money to the unpaid principal balanceAccording to my research into this matter, your loan payments are being correctly appliedI have also confirmed that, when force placed insurance is added to a loan, this does not result in additional interest being paid on the loan since interest is only applied to the original loan balance, as is indicated on the original loan noteFor verification that the loan payments are being correctly applied, I have enclosed a copy of the loan payment historyFor additional information about how loan payments are applied, I have enclosed a copy of the loan note. 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 (4): Insurance Letters (2) Loan Payment History Loan Note

*** * *** *** *** *** *** ** *** Date: June 17, 2016 Account: *** Account: *** Regarding Your Checking Accounts Dear *** * ***: We received a copy of your additional complaint filed with the Revdex.com, regarding your checking accountsWe appreciate the time you have taken to document your thoughts and concerns regarding 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 responses conveyed to you in our previous letters sent to the above address on June 3, Our position on this matter has not changed. Additionally, we are unable to provide you a copy of the recording of your call with our new accounts departmentAs previously stated we reviewed the call for the account ending in *** and the checks were ordered at your requestThis check order fee and the $Overdraft Protection transfer fee was waived as you requestedNo further compensation is available. We appreciate your patience while we researched this matter and apologize for any inconvenience this situation 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, Shannon K.Office of the President

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
Regards,
*** *** 11/15/ 1:46PM.I would like to know when MsDsent this response I have tried twice today to get in touch with no avail

*** *** *** *** *** *** ** *** Date: August 19, 2016 Account: *** Regarding Recent Overdraft Dear *** ***: We received a copy of the complaint you filed with the Revdex.com regarding your Fifth Third Bank Essential checking
accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerningWe strive to provide accurate and professional service to our customers and I regret if this is not the level of service you receivedOn behalf of the Bank, please accept my sincere apology for any inconvenience or frustration this matter has caused you. If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account has a negative balancePlease note that we do not assess overdraft fees on pending transactionsFifth Third Bank processes transactions at the end of each business dayThis does not include Saturdays, Sundays, and Federal HolidaysTransactions are posted in the following order: Credits and deposits made prior to the end of day cut-off time as detailed in our Funds Availability Policy. Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are received. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. Fees and service charges in the order of the largest amount to the smallest amount. Debit card and Automated Teller Machine (ATM) transactions are time-stamped and are pre-authorized at the time of use, and will show as pending until they are postedBecause time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic Automated Clearing House (ACH) payments are batch debits that are not pre-authorized by usThese transactions do not include a time-stamp and will not show as pending during the dayChecks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized to be paid. I have enclosed a copy of our current Rules and Regulations for your reviewPage twelve (12) provides additional information regarding our overdraft calculation orderWe recommend that customers keep a ledger to track all transactions, including checks they have written, so that they can know if there are items that have not posted and can plan accordingly. An overdraft occurs when you do not have sufficient funds in your account to cover a transactionFifth Third Bank checking account customers have the ability to enroll in our two (2) overdraft related services, Overdraft Protection and Overdraft CoverageOverdraft Coverage allows a customer to access funds beyond the balance in their accountEffective June 11, 2010, per federal regulations, customers have the ability to oor opt-out of Overdraft Coverage for one-time debit card and ATM transactionsIf a customer opts-out, the card will be automatically declined if there are insufficient fundsHowever, if a customer opto Overdraft Coverage and allows their debit card to be approved beyond the balance in their account then overdraft fees may be assessed. Overdraft Coverage does not apply to checks and ACH paymentsIf a check or ACH payment is presented against your account with insufficient funds, the item may be assessed an overdraft fee, or returned and charged a $returned item feeOverdraft Protection is a service which links another deposit account or credit card to your checking accountIf you had insufficient funds in your checking account, and the available funds were in the linked deposit account or credit card, the funds would be automatically transferred from the deposit account to your primary checking accountPlease find enclosed a copy of the account statements and overdraft notices for the life of your checking account. Please also find enclosed a copy of the Overdraft Coverage form signed by *** *** on December 11, Mr*** opted-out of Overdraft Coverage, therefore, if there are insufficient funds at the time of an attempted card transaction then the card will be declinedIt should be noted, the customer does have the ability to change their Overdraft Coverage options at a banking center, online at 53.com, via mobile banking, and over the phone by calling ###-###-####It should also be noted, that opting out of Overdraft Coverage does not keep your checking account from being overdrawn due to checks and electronic bill payments being presented for payment during overnight processingAs the account holder, you are in the best position to know what checks and payments are outstanding on the account prior to being presented for payment. On Friday, July 1, 2016, the ending balance in your Essential Checking account ending in *** was positive $On Monday, July 5, 2016, twenty-one (21) debits posted to your checking accountThe two transactions that overdrew your account were both electronic ACH payments to *** *** for $107, and a $payment to *** ** ***The ending balance in your checking account was negative ($120.30)You were assessed two (2) $overdraft fees for the two (2) web initiated payments made on July 5, The fees posted to your checking account on July 6, 2016. On July 6, 2016, five (5) additional debit card transactions posted to your checking account for final payment from the merchantBecause you had opted-out of Overdraft Coverage, you were not assessed any fees for these transactionsThe ending balance in your checking account on July 6, 2016, was negative ($199.68). Your next overdraft occurrence happened on July 18, The beginning balance in your checking account was positive $Eleven (11) transactions posted to your checking account in the following order: ** 5/online transfer to Access card ending in *** $ 6.00 ** 5/online transfer to Access card ending in *** $20.00 ** 5/online transfer to Access card ending in *** $20.00 ** 5/online transfer to Access card ending in *** $20.00 ** 5/online transfer to Access card ending in *** $20.00 ** 5/online transfer to Access card ending in *** $17.00 ** 5/online transfer to checking account ending in *** $10.00 ** 5/online transfer to Access card ending in *** $10.00 ** 5/online transfer to Access card ending in *** $ 5.00 ** 5/online transfer to checking account ending in *** $15.00 ** Web Initiated Payment at *** *** $115.00 Please use the enclosed overdraft notice dated July 19, 2016, to verify that you were assessed a $37.00 overdraft fee for the $web initiated payment to NipscoYou were not assessed an overdraft fee for the ten (10) online transfers. Your most recent overdraft occurrence was on August 15, 2016, and August 16, Your beginning balance was positive $Twelve (12) debits posted to your checking account totaling $You were assessed one (1) overdraft fee for the web initiated payment to *** ***The $fee posted to your checking account on August 16, In addition three (3) debit card purchases totaling $posted to your checking accountYou were not assessed an overdraft fee for any of the debit card purchases. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides additional information related to the overdraft fees that were assessed to your account, and ways to track your balance to help avoid overdraft fees in the futureInformation regarding overdraft coverage options is also provided on the enclosed documentPlease feel free to contact me at the number below should you have any questions regarding the enclosed reference guide and account documentationI would be happy to assist you. After receiving your complaint, we reviewed the overdraft fees that have been assessed to your checking account and also the amount that has been reversed back into your checking accountOur research determined that $in overdraft fees have already been reversed within the Bank’s overdraft guidelines during the past twelve (12) monthsOur research was unable to uncover a bank error resulting in your checking account being assessed overdraft feesTherefore, the Bank is unwilling to reverse the remaining overdraft fees on your checking account. Thank you for your patience while we researched this matter for youYou are a valued customer, and we look forward to serving 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 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Consumer Financial Protection Bureau Enclosure(s): Rules and Regulations, Overdraft Solutions Document, Statements, Overdraft Notices, Overdraft Coverage Enrollment Form

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*** ** *** Date: June 10, 2016 Account: *** Regarding Your Essential Checking Account Dear *** * * ***: We received a copy of the letter you sent to the Revdex.com regarding your
Essential Checking accountWe appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience 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. On May 19, 2016, the beginning balance in your checking account was $On May 19, 2016, three (3) transactions posted to your account totaling $The ending balance in your checking on May 19, 2016, was negative ($96.06)Because your Relationship Savings account ending in is linked to your checking account for Overdraft Protection, on May 20, 2016, $was transferred from your savings account to your checking account to cover the checking account overdraft, and to cover the $12.00 overdraft transfer fee that was assessed to the checking account on May 20, 2016. When a savings account is linked to a checking account for Overdraft Protection, and if the checking account becomes overdrawn, funds equal to the total amount of the account overdraft plus the overdraft transfer fee of $are transferred from the savings accountAlthough the total amount transferred from your savings account to cover the overdraft included the amount needed to pay the $overdraft transfer fee that was assessed to the checking account, the $overdraft transfer was only assessed to the checking account once. A direct deposit was credited to the account on May 20, for $Because this deposit was not credited until the following business day, this deposit did not prevent your account from being overdrawn by the end of the day May 19, Per Federal Guidelines, we credit direct deposits the day they are received from the payer and do not have the ability to post deposits sooner to prevent an overdraft. Although the Bank typically only reverses an overdraft transfer fee if the fee is assessed because of a bank processing error, we are reversing the $as a courtesy to youTherefore, in the interest of customer service, on June 8, 2016, the $overdraft transfer fee was reversed and credited back to your checking account. *** ***, thank you for your patience while waiting for a responseWe truly value your business, and we look forward to continuing our banking relationship with 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, Adam P. Office of the President PC: Revdex.com