PROCORPSA

*** *** *** *** *** ** ***Date: March 14, Account ***Regarding the Force-Placed Insurance Added to Your installment LoanDear *** ***:We received a copy of the complaint you submitted to the Revdex.com regarding the forceplaced insurance
that was added to 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.Proof of full Coverage vehicle insurance is required at the loan contract signing and throughout the life of the loanI have enclosed a copy of your loan contract for your reviewI am sorry if the insurance requirement was not made clear to you by the dealership when you signed your loan contractIn the process of updating our files, we requested your current insurance information and a copy of your current insurance policy, I have enclosed copies of the letters we sent to you on November 8, 2016, and November 29, We sent a third (3') letter to you on December 13, 2016, when we had not received the requested information from youSince we still had not received the requested information, we sent a fourth (4") letter to you on January 3, 2017, informing you that we would be adding Collateral Protection Insurance (CPI) to your loan in the amount of $1,for the coverage period from October 17, 2016, through October 17, I have also enclosed copies of the letters we sent to you on December 13, 2016, and January 3, 2017, for your review.On January 25, 2017, the CPI premium in the amount of $1,was added to your installment loan ending in ***The amount was spread over nine (9) months increasing your monthly payment from $to $beginning February 1, On February 13, 2017, we received partial proof of coverage from you beginning February 13, Therefore, we issued a credit of $1,making the total CPI premium owed $This amount was spread over nine (9) months decreasing your monthly payment to $effective February 1, 2017.During our research we reviewed the insurance documentation we received when you signed the loan contract and the insurance documentation we received on February 13, The documentation you provided when you signed the loan contract listed an incorrect Vehicle identification Number (VIN)The VIN listed on the insurance policy was ***, but the correct VIN is ***Additionally, Ally Financial was listed as the lienholder, not Fifth Third BankThe policy effective period was from October 18, 2016, to April 18, The documentation we received on February 13, 2017, showed the correct VIN of *** ***, a policy effective period from October 18, 2016, to April 18, 2017, and Fifth Third Bank was correctly listed as the lien holderHowever, under "Additional Information" *** noted, "Issued 02/13/17." I reached out to *** directly to confirm Whether you had comprehensive Coverage prior to that date and was informed that you did not have comprehensive coverage prior to February 13, Therefore, there is still lapse in coverage from October 17, 2016, to February 12, I have enclosed copies of the insurance documentation we received for your review.As of March 10, 2017, you are past due for your February 1, 2017, and March 1, 2017, payments totaling $On February 11, 2017, we received and posted your payment of $247.67, but this amount was insufficient to satisfy your full payment of $Due to this partial payment, you have a partial payment credit of $247.67, so you will need to pay $to bring your loan currentYou will then be due for a payment of $on April 1, In order to make payment arrangements, please contact Our Collection Department at ###-###-####, Monday through Friday, a.mto p.m., Saturday and Sunday, a.mto p.m., ETFailure to bring your account current may result in additional late fees, negative reporting to the credit reporting agencies, and possible repossession of your vehicle.Thank you for your patience while we conducted our researchYou 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 p.mET.Sincerely,Elizabeth D.Office of the PresidentPC: Revdex.com Enclosures: Contract, insurance notices, Insurance documentation

*** ** *** *** *** *** *** *** ** *** Date: March 30, 2016 Account: *** Regarding Your Mortgage Loan Account Dear *** ** ***: We received a copy of your additional complaint filed with the Revdex.com regarding your mortgage loan accountWe appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the frustration you experienced regarding this matterI understand that you are dissatisfied with the previous handling of your insurance claimAs previously advised, your concerns were escalated to the relevant personal for reviewA copy of our previous correspondence is enclosed for your reviewWe stand by this previous response. It is my understanding that you have been in contact with our Insurance Center regarding the repairs to your homeIt is also my understanding that you have hired a new contractorWe received legal documents that show the previous contractor was terminatedWe verified that an inspection of the ongoing repairs was completed earlier this monthAt this time, we can release additional funds for further repairs upon receiving an explanation regarding why the funds are needed and for what repairs the funds will be utilizedA work order is sufficient to fulfill this request. As previously advised, we do not require mortgage loans to be in default in order to qualify for hardship assistanceHowever, the borrower must be able to demonstrate that default will be imminentWe are unable to evaluate any potential options for assistance without a completed application for assistanceIf you would like to be considered for assistance and feel that your mortgage loan is in imminent danger of defaulting, please complete and submit the enclosed application for assistancePlease note that hardship assistance and modifications may have an adverse affect on your credit report, which could subsequently affect potential refinance options in the futureHaving a modification does not automatically disqualify you from being approved for a mortgage loan refinanceOnly you as the borrower can determine what available options will best suit your needsSubmitting the application for assistance does not affect your credit. You mentioned two (2) checks that you sent to the Bank that were not processed correctlyI apologize that the checks you sent to the Bank were sent back to you at the incorrect addressI verified that the Insurance Center has updated the mailing address for documents they send to youThe mailing address on file for you with Fifth Third Bank is your address listed above, which is where this letter is being sentIf that address is incorrect, please contact me directly using my phone number listed below so I can update our systems. Our records indicate that both of the checks were sent back to you, which were reissued to your correct mailing address, and that both of those checks have been cashedYou mentioned that one (1) of the checks was to be deposited into your escrow accountPlease be advised that Fifth Third Bank cannot hold any insurance funds that exceed the amount of your mortgage loanFor this reason, we cannot keep any additional insurance monies that are sent to you that you then send to the BankWe must sign off on the checks and send them back to you. 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: Previous Correspondence

*** *** *** *** *** *** *** ** *** Date: November 13, 2017 Regarding Your Mortgage Applications Dear *** ***: Thank you for your correspondence concerning your recent loan applicationWe received a copy of the complaint you filed with RevDex.com. Your loan application was submitted to Fifth Third Mortgage, which is an affiliate of Fifth Third BankThe Office of the President researches and responds to our customers concerns regarding Fifth Third MortgageWe strive to provide an exceptional experience to our customers and I am sorry we did not meet your expectationsPlease be assured customer feedback is reviewed by our executive management team as part of our ongoing commitment to improving our operations. As we have communicated to you previously, we have submitted the appropriate updates to the credit bureau agencies to remove the inquiries that were completed on August 15, 2017, and September 26, On October 11, 2017, we submitted a second (2nd) request to the credit bureau agencies to remove the August 15, 2017, inquiry as you stated it had not been removedUnfortunately, after submitting inquiry removal requests to the credit bureau agencies, we have no way to verify whether or not the credit bureau agency has processed the inquiry removalSince you are stating that both of the inquiries are still being reported by the credit bureau agencies, after we have already submitted requests to remove the inquiries, we have to request that you forward us a copy of the relevant portion of your credit report that reflects the inquiriesYou may forward this documentation to me at the address below: Fifth Third Bank Office of the President Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this documentation to my attention directly at ###-###-####Unfortunately, we cannot submit any additional updates until we have received this documentationWe apologize for any difficulty or concern this may have caused you. We believe that we have sufficiently addressed your concerns regarding the $application fee in our correspondence dated October 6, For your reference, my prior correspondence is attached. Any further correspondence from you regarding the application fee will be reviewed, but it will not necessarily be acknowledged unless there is new information that can be acted upon. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### We strive to provide professional and accurate service to our customers, and again I apologize for any inconvenience this may have caused youIf I could be of further assistance to you, please call me at 616-653-9156, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Brandy W.Office of the President Pc: Revdex.com Enclosure: Prior Correspondence

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.
Regards,
*** *** As I stated in my last response, I am currently working with the office of the president of Fifth Third Bank to resolve this situationSo far my contact Shawna has been a tremendous help to meThank you

*** ** *** *** * *** *** *** ** *** Date: February 1, 2018 Account: *** Regarding Your Mortgage Loan Dear *** ** ***: We received a copy of the complaint you filed with the Revdex.com concerning your mortgage
loanWe appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your mortgage loanIt was certainly not our intention to cause you any hardshipWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We have completed a review of your account ending in ***We have confirmed that due to an internal error, a payment was not disbursed to *** County to satisfy the November 10, 2016, property tax payment due dateWe regret any inconvenience this may have caused youIn addition, we confirmed that the check in the amount of $that was issued to *** County to satisfy the May 10, 2017, property tax due date was not negotiatedAs a result, on January 18, 2018, we placed a stop payment on this check and credited the funds back to your escrow accountAdditionally, we credited your escrow account $on January 24, 2018, to reimburse the total penalties incurred as a result of this error. Following the credits to your escrow account on January 18, 2018, and January 24, 2018, an escrow analysis was performedI have enclosed a copy of the Annual Escrow Account Disclosure Statement dated January 26, 2018, for your recordsAs this statement explains, an escrow surplus in the amount of $was mailed to you in the form of a check on January 26, If you do not receive this check within fifteen (15) days, please contact me at the telephone number belowPlease note that your payment has increased from $to $effective March 1, 2018, as a result in the increase in your homeowners insurance premium amount. I have also enclosed a copy of the Annual Escrow Account Disclosure Statement dated July 25, 2017, for your reviewPage three (3) of the enclosed statement under the Actual column under Payments from Escrow shows that a property tax payment was not disbursed from your account in November As a result, there was a surplus in your escrow account in the amount of $649.50, which was returned to you in the form of a check on July 25, The total of these two (2) surplus checks is $1,555.38. Thank you for your patience while we researched this matter for youWe truly value your business, and we look forward to continuing our banking relationship with youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at 866-360-5353, Monday through Friday, a.mto p.m., ET. Sincerely, Jennifer M.Office of the President Pc: Revdex.com Enclosures: Annual Escrow Account Disclosure Statement Dated January 26, 2018, Annual Escrow Account Disclosure Statement Dated July 25,

*** ** *** *** *** *** *** ** *** Date: May 31, 2016 Account: *** Regarding Your Installment Loan Dear *** ** ***: We received a copy of the complaint you filed with the Revdex.com, regarding the setup of Auto
BillPayer for your installment loanWe appreciate the l time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerningOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youWe strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. Due to your complaint, we reviewed the Auto BillPayer enrollment form submitted for your installment loanWe verified that your ** *** savings account ending in was listed as the account that the payments were to be deducted fromAfter further research, we confirmed that ‘Checking’ was incorrectly chosen when your account information was manually entered by our Auto BillPayer representativeTherefore when Auto BillPayer attempted to process your installment loan payment of $in March and April 2016, the transactions were rejected because they were submitted under the wrong account type. On May 17, 2016, we spoke via telephone regarding your installment loanDuring our conversation, I apologized for the difficulty you encountered and provided you with the information noted aboveAt that time, you indicated that the missing payments for March and April would be submitted electronically via our website 53.com the following dayI explained that once those payments were received, we would reapply them to be effective for the due dates in March and April As a result, any late payment information provided to the credit reporting agencies for these months would be removed. On May 18, and May 19, 2016, two (2) payments in the amount of $each posted to your installment loanOn May 23, 2016, these payments were debited and reapplied with the following effective dates: ** March 22, 2016 ** April 22, 2016 In addition, a late charge of $and returned item fees totaling $were waived for your installment loanIt should be noted that we confirmed with Auto BillPayer that your payment account type has been updated to show as ‘Savings’ within their systemOn May 20, 2016, your payment in the amount of $was processed via Auto BillPayer and posted appropriately to your account. *** ***, please be assured that it was not our intention to cause you any hardship or frustration. We appreciate your feedback as it assists us in identifying opportunities to improve our systems and the level of service we provide to our customersYou 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 p.m., ET. Sincerely, Danielle S. Office of the President

*** *** *** *** *** *** *** ** *** Date: January 25, 2016 Account: *** Regarding Your Installment Loan Dear *** ***: We received further communication from you submitted to the Revdex.com concerning your installment loan. Please be assured that Fifth Third Bank takes your continued feedback seriously, and I am appreciative of the time you have taken to communicate your thoughts and concerns. Due to your statement that a coupon book has still not been received at the address above, an additional coupon book has been ordered, and the fee associated with this waived, due to the permanent address in our system having been updated recently to match the mailing address that has been on file for your accountI hope this helps to resolve your issue. *** ***, I appreciate this opportunity to further attempt 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

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,*** *** Day late and buck short on your getting me the information on my account terms for the hardship program because it does not help a person when they recieve the details two months after they have been remover unknown to them

*** *** *** ** *** *** *** *** ** *** Date: October 30, 2017 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 sincerest apologies for the error that occurred on your account and for the frustration it has causedI appreciate the opportunity to speak with you on October 20, 2017, regarding this matter. As you are aware, the checks you deposited for the *** tax return were deposited to your account in United States Dollars in errorWhen we received the funds from the paying bank, they were in *** dollarsAs a result, the Bank needed to debit funds from the account to compensate for the currency conversionI have notified the relevant Bank management that the checks were deposited in the incorrect currency by banking center staffWe sent correspondence to you via mail about the deductions we needed to processI understand that you have opted to receive information electronically; however, not all required correspondence is available via our website or sent via emailThe correspondence regarding the deduction from your account for the currency conversion was mailed onlyI am sorry for the dissatisfaction this caused. On October 2, 2017, we processed the two (2) deductions of $and $The transactions for the conversion were processed by our Depositor Services Department, and the funds were sent to our Global Payments DepartmentUnfortunately, Global Payments processed the $transactions again on October 11, 2017, and the $again on October 18, Please be assured that I have contacted the relevant personnel within Global Payments regarding this matter, and they have addressed the situationThe second (2) transactions of $and $were credited back to your account on October 23, Please be assured that they will not be deducted from your account again. 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

*** ** ***
*** *** ***
*** ** *** Date: April 18, 2016 Account: ***
Regarding Your Checking Account Dear *** ** ***: We received a copy of the rebuttal filed with the Revdex.com regarding your Fifth Third
Bank checking accountWe appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. Once your rebuttal was received, we reviewed your additional concerns and the decision was made to waive the overdraft fees that were charged to your account on February 23, On April 11, 2016, we waived the $in overdraft fees that you were chargedYou will see this credit to your checking account on your next statementI hope you are satisfied with this resolution. Please accept our sincerest apologies for any inconvenience this matter may have caused youWe appreciate your long standing business with Fifth Third Bank and we look forward to servicing your banking needs in the futureIf I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., EST. Sincerely, Lisa S.Office of the President Pc: Revdex.com

*** ** *** *** *** ** *** ** *** Date: April 6, 2017 Account: *** Regarding Your *** Credit Card Dear *** ** ***: We received a copy of the follow up letter you sent to the Revdex.com concerning your *** Credit CardWe appreciate the additional time you have taken to express 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. In my previous response letter to you dated March 17, 2017, I explained that you accepted the Bank’s promotional offer for a *** Credit CardThe promotional offer you accepted stated that if you spent at least $in the first (1st) ninety (90) days from the date that the account was opened, you would receive a rewards bonus in the form of 15,Real Life Rewards Bonus Points, which can be redeemed by you for $cash back from the BankYour *** Credit Card was opened in our systems on November 24, Since you spent at least $with your *** Credit Card within the first (1st) ninety (90) days from the date that the account was opened, the rewards bonus was providedSince you redeemed your rewards bonus points for $cash back, on February 21, 2017, the Bank sent two (2) checks to you, one (1) check was for $50.00, and the other check was for $After the checks had been sent to you, you contacted the Bank and informed us that your address had changed and that the checks we sent should be sent to your new addressTherefore, the Bank placed a stop payment on each check that we had previously sent and issued a new check for $with check number *** on February 27, According to our records, check number *** was negotiated by you on March 7, Since you received your $check for your Real Life Rewards Bonus Points, a copy of which is enclosed, another check will not be sent. Since you requested that a new check for your Real Life Rewards Bonus Points redemption, the Bank acted appropriately in placing a stop payment on the checks that were previously sent to youBecause of this, and because the two (2) charges of $were not due to an error made by the Bank, you will need to contact you financial institution to be reimbursed for the two (2) $charges that were assessed by your financial institutionPlease be aware that it is our sincere desire to assist you in this matter; however, Fifth Third Bank cannot reimburse you for fees that were not assessed by Fifth Third BankPlease also be aware that, if your financial institution assessed the fees due to an error made by Fifth Third Bank, we would be able to reimburse you for the fees assessed by your financial institutionIf you provide your financial institution with a copy of this letter, they may be willing to reimburse you for the fees that they assessed. During our telephone conversation on March 30, 2017, you explained that your financial institution was not willing to refund you for the $in returned deposit item fees that they assessedTherefore, on April 3, 2017, we decided to reimburse you for the $in fees that your bank chargedEnclosed please find a $Fifth Third Bank Official Check payable to you for the $in fees that your bank assessedThis was also communicated to you during our telephone conversation on April 3, 2017. As was also communicated to you in my previous response letter dated March 17, 2017, when you spoke with the Bank about this matter previously, you were told that since we were unable to verify you, you were therefore instructed to visit a Fifth Third Banking CenterSince the Bank takes protecting the personal and confidential information of our customers very seriously, every customer that contacts the Bank must answer security questions to verify their identity before the Bank can release any informationSince our security questions could not be successfully answered, we were unable to assist you when you previously contacted the Bank regarding this matterAccess to your account information through the Bank’s website and through our automated telephone system has also been blocked since our security questions could not be successfully answeredThese blocks can be removed by you by calling the Bank at ###-###-####, option 4, Monday through Friday, a.mto p.m., ET. Our security questions are designed to protect the security of your personal and confidential informationThey are not intended to cause you any inconvenience. Please be aware that the reason your address has not been updated by our Rewards Center, is because of the block that is on the account as explained in this letterWhen you call the Bank to remove the block, and then log into the rewards site from our website at 53.com, your address will be updated with our Rewards Center. 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 Enclosure (1): Check

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
It is helpful that the bank representative finally explained that "Escrow payments can only be processed for the collateral property." However, a few questions remain unansweredI think it may be more helpful in getting an appropriate response if I just ask them directly
At the time of the loan, I requested that the taxes for the property at *** *** *** *** be escrowedI was not told that this could not be doneWhy would that not be made clear to me at the time of the loan?
Why would Don Hook tell me to disregard tax notices concerning the property at *** *** *** *** once I had received them?
I have excellent creditI do not procrastinate, especially when it comes to paying billsThere is only one reason that my tax bill would be two years delinquent on this propertyIt is because I had every reason to believe that the bank was paying it
If Fifth Third Bank is not willing to answer the aforementioned questions, then there can be no satisfactory response
Regards,
*** ***

*** *** *** *** ** *** ** *** Date: January 6, 2016 Account *** Regarding Your Installment Loan Dear *** ***: We received a copy of the rebuttal you submitted to the Revdex.com regarding your installment loanWe 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 previously conveyed to you in our letter dated December 18, Our position on this matter has not changed. If there were any items missing from your vehicle, or if there was any damage to the vehicle, at the time of the repossession, you will need to address this matter with our repossession agent directlyFifth Third Bank is unable to provide you with any compensation since we are not held liable for any damage or missing items when a vehicle is repossessedYou may contact *** *** *** directly by calling ###-###-####, by facsimile at ###-###-####, or by mail at the following address: *** *** *** *** *** *** *** ** *** 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, Elizabeth D. Office of the President

They did not remove the hard inquiry from my credit report which is the reason why this complaint is not completedI would like them to remove the hard inquiry that I did not authorize

*** *** * *** *** *** *** ** *** Date: April 8, 2016 Account: *** Regarding Your Checking Account Dear *** ***: We received a copy of the rebuttal filed with the Revdex.com regarding a recent overdraft on your checking accountWe appreciate the additional time you have taken to share 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 situation may have caused youHowever, we stand by our previous response letter sent to the above address on March 24, I have enclosed a copy of our previous written response for your reviewOur position on this matter has not changed. On January 13, 2016, the beginning day balance in your checking was $One (1) debit card transaction for $posted to your accountYour ending day balance was negative ($9.98)Since you did not have enough funds in your account to cover this transaction, your account was charged one (1) overdraft fee of $on the following dayIn the interest of customer service, the overdraft fee was waived on January 15, 2016, and your account was credited $25.00. On January 25, 2016, the beginning day balance in your checking was $One (1) debit card purchase in the amount of $posted to your accountYour ending day balance was negative ($5.05)Since you did not have enough funds in your account to cover this transaction, your account was charged one (1) overdraft fee of $on the following dayOn January 27, 2016, the beginning day balance in your checking was negative ($42.05)A deposit in the amount of $and two (2) debit card purchases totaling $posted to your accountYour ending day balance was negative ($197.83)Since you did not have enough funds in your account to cover the two (2) debit transactions that posted to the account, your account was charged two (2) overdraft fees of $each on the following dayHowever, on January 29, 2016, your account was credited $for a partial waiver of the overdraft fees chargedI have enclosed a copy of the related checking account statement and overdraft notices for your review. We offer several types of overdraft protection for your checking accountWe can connect a second account such as another checking account or savings account, or you can apply for a credit card or equity line, which can be connected to your checking account in order for funds to be automatically transferred in case of an overdraft situationWith Overdraft Protection, you are charged one (1) Overdraft Protection transfer fee of $instead of an overdraft fee of $per item for the first overdraft occurrence, or $per item for each additional occurrenceWe regret that we are unable to connect your Access 360 Card as overdraft protectionI am sorry of you were told otherwise. We appreciate the opportunity to review your concernsYou are a valued customer and we hope you will allow Fifth Third Bank service your financial needs in the futureIf I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto 6 p.m., EST. Sincerely, Lisa S.Office of the President Pc: Revdex.com Enclosure: Previous response letter, checking account statement, overdraft notices

*** *** ** ** *** *** *** *** *** ** *** Date: January 15, 2016 Account: *** Account: *** Regarding Your Business Debit *** and Business Checking Accounts Dear *** ***: We received a copy of your complaint recently filed with both the Consumer Financial Protection Bureau and the Revdex.com, concerning your disputed transactions with ***-***We appreciate the time you have taken to document your thoughts and concerns regarding this matterPlease be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to respond to your concerns. *** ***, in all, we have received six (6) Revdex.com (Revdex.com) complaints from you referencing the company known as ***-***; the first four (4) complaints referenced a charge for $1,that posted to your account on April 15, On December 29, 2015, we responded to your fifth (5th) Revdex.com complaint ID #*** that was filed on December 9, 2015, regarding multiple charges with ***-***In our response we mistakenly responded with information pertaining to the disputed transaction for $1,from April 15, On behalf of the Bank, I would like to personally apologize for providing you with inaccurate information and for any inconvenience this matter may have caused youIt was certainly not my intention to cause you any hardshipPlease be assured that Fifth Third takes your dispute claims seriously and I have contacted the relevant parties in our Disputes department to pass along your concerns. With the information you provided in your *** package, our disputes department has filed two (2) claims for a total of thirty one (31) disputed transactions, totaling $6,The transactions occurred between May 4, 2015, and October 13, 2015, with the ***-*** companyTwo claims had to be filed because the transactions posted on two (2) different checking accountsAll the transactions you indicated in your paperwork have been disputed within those two (2) claims. As I stated in my prior responses, you are disputing transactions with the company known as ***-***, with whom you did sign up and provided with your account informationFor that reason, they are considered merchandise base disputes and not fraudAlthough not covered by Regulation E, Fifth Third Bank makes every effort to assist our cardholders in resolving these merchant disputes by working directly with the merchantsOur policy to assist our cardholders with these types of disputes is a completion time of up to days from the date the claim is filed, which would be December 1, 2015, in this caseShould their research support your dispute, final credit will be issued to your accountHowever, if their research does not support your dispute, they will notify you by mailIf you have any questions or additional concerns while our Dispute Department conducts their investigation, please contact them at ###-###-####, Monday through Friday, a.mto p.m., Saturday, 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, Jennifer C. Office of the President Pc: Consumer Financial Protection Bureau, Revdex.com

We are in receipt of your letter dated March 8, 2016, regarding the informal complaint filed by Mr***We have had the opportunity to investigate this Complaint and offer the following information.Armstrong has provided a fast, reliable broadband experience for more than yearsThroughout
that time, Armstrong has annually invested millions of dollars into its network to ensure that Zoom customers continue to experience a consistent, reliable Internet connectionArmstrong has increased the speed and enhanced the value of Zoom many times since its inceptionIn fact, our speeds will be increasing once again in 2016.The new modem Mr*** received is a necessary technology upgrade that will allow him to receive the faster speeds that are coming soonArmstrong provided the modems to customers free of charge since older modems are not capable of providing faster speedsMr***’s rates did increase recently, however, this increase is unrelated to the new modem he receivedPeriodically, Armstrong must make adjustments to their prices due to increases in business costs.Armstrong is committed to providing quality service at the lowest possible cost, while continuing to invest in technologies which offer the best choices for Internet, Television and Telephone serviceArmstrong encourages Mr*** to contact our Customer Service Center if he has any additional questions or concernsThank you for your attention to this matterPlease feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Team

*** ** *** *** *** *** *** ** *** Date: February 4, 2016 Account: *** Regarding Your Checking Account Dear *** ** ***: We received a copy of the complaint filed with the Revdex.com concerning your Fifth
Third Bank checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, I would like to apologize for the level of customer service you have received. Please be assured that I have made the appropriate parties aware of your concernsWe strive to provide professional and accurate information to our customers in as timely a manner as possible and we sympathize with the difficulties you have encountered. We regret any frustration you have experienced regarding the dormant fees assessed to your checking accountOur records indicate that the last transaction made to your checking account was a withdrawal made on May 8, Therefore, in May 2014, your checking account became dormantIn the Rules and Regulations handbook, which you received at account opening, it is stated for a checking account to be considered dormant; the checking account must have no deposits or withdrawals for a period of twelve (12) monthsWhen your account first became dormant, we informed you of this account status change on your statement that ended on May 15, I have enclosed the related checking account statement for your review. Once an account is considered dormant, the account will be assessed a $fee every month until activity is resumed on the accountDormant accounts receive one (1) statement each year, which is mailed at the end of DecemberYou have several additional options to review your account activity, including via an ATM (Automated Teller Machine), after logging into our Internet Banking website at www.53.com, or by calling our Consumer Contact Center at ###-###-####, Monday through Friday, 7:a.mto 8:p.m., or Saturday, 8:a.mto 5:p.m. Once your complaint was received, we reviewed your account and in the interest of customer service, we waived three (3) dormant account feesOn February 2, 2016, your account was credited $You will see this amount credited to your account on your next checking account statement. Your checking account remains open and is no longer considered dormantYou will not receive additional dormant fees unless the account is again placed in a dormant status after having no withdrawals or deposits made on the account for a twelve (12) month period. Thank you for your patience while we researched this matter for youYou are a valued customer and we hope you will allow Fifth Third Bank to service your financial needs for many years to comeIf I may be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com Enclosures: Checking Account Statement and Rules and Regulations

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is somewhat satisfactory to me. The business has so much bureaucracy in place that simple operations like closing an account can take monthsThat is unacceptable
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 However, they are still avoiding the fact their website showed a balance of zero dollars owed...not centsI highly suggest they clarify the sight to reflect the daily interest accruement in a more transparent way for other consumers Thanks again for your time and patience with assisting me in this matter.
Regards,
*** ***