PROCORPSA

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10941730, and find that this resolution is satisfactory to me.
Regards,
*** ***

Hello: As stated in our January 10, 2017, responseOur loss mitigation specialist and Compliance manager reviewed the reporting and agreed that the charge off should be removed from *** *** credit reportingThe loan is closed, paid in full and the negative “charge off” reporting has been removedPlease see the letter (below) that was sent to the customer. Thanks.*** ** *** *** * *** *** *** *** *** ** *** Date: January 10, 2017 Account: *** Regarding Your Fifth Third Bank Installment Loan Dear *** ** ***: We received a copy of the follcomplaint you recently filed with the Revdex.com, concerning the information being provided to the credit reporting agenciesWe appreciate the time you have taken to express your concerns regarding this matter. Your original complaint was filed on February 13, We received a Revdex.com complaint on December 13, 2016, and the follcomplaint on December 23, Please find enclosed copies of the previous letters sent on February 27, 2015, and December 22, On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youIt was certainly not our intention to cause you any hardship. As mentioned in our response dated February 27, 2015, your installment loan had a ten (10) day grace periodHowever, the grace period does not change your payment due dateThis grace period only relates to the charging of a late feeYou entered into a loan modification agreement in December 2013. We have provided you a copy of the loan modification agreement in our December 22, response. This agreement states that the loan would revert back to your original payment and interest rate if you became two (2) or more payments past dueWhen the Bank did not receive a payment between July 16, and September 5, 2014, your loan did fall two (2) payments past due. As part of the loan modification, the Bank agreed to reduce the principal balance on your installment loan by $2,On August 29, 2014, this amount was correctly added back to the principal balance owed on your installment loanIn error, the $2,was also charged off that same dayAs stated on the enclosed loan modification agreement, the balance should have been added to the principal balance of your installment loan and not charged off. Upon further review we have determined the information provided to the credit reporting agencies was not correctWe have submitted a request to remove the charge off from your credit reportingYou will receive notice of this update under separate cover from our Operations DepartmentPlease allow approximately thirty (30) days for the credit bureau agencies to update their reportingWe have submitted an updated to all three (3) credit bureaus to remove the negative information. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### I hope this correspondence cleared up any outstanding questions you had related to this issueIf I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosures: Prior Responses (2)

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,
*** ** ***

*** * ***
*** *** ***
*** ** *** Date: August 3, 2016 Account: *** Regarding Your Fifth Third Bank Installment Loan Dear *** ** ***: We received a copy of the complaint you filed with the Revdex.com regarding your
installment loanWe appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, I apologize for the difficulties you have experienced with your accountIt was certainly not our intention to cause you any hardship or frustrationShould a secured loan become past due, the account may be subject to derogatory credit bureau reporting and we may attempt to repossess the collateral associated with the loanOur collection department will attempt to reach you via telephone numbers we have on file for you to inform you of the delinquency and to make payment arrangements. Our research determined you have talked to the collection department numerous times about the delinquent status of your installment loan. Surrendering the vehicle to us does not remove your payment obligations for any remaining loan balance under the terms of your contractPlease note, on page two (2) of your sales contract the section titled Right to Repossess, which states in part: “If the sale does not cover all that I owe, I will be responsible for the amount still owedIf there is any surplus money it will be refunded to me.” I have enclosed a copy of your installment loan contract for your reference. On September 5, 2015, the Bank mailed a letter titled Important Information About Your Past Due AccountI have enclosed a copy of this letter for your reviewPlease use the enclosed letter as verification the Bank did properly provide notice to the possible repossession of your vehicleOur research determined our collection department contacted you eleven (11) times between August 19, 2015, and October 6, During those conversations, you asked about a voluntary repossession, you confirmed a third party had stopped making the monthly payments, and that you provided the address of where to locate the vehicle. As you are aware, the vehicle was repossessed on October 3, The vehicle was sold at auction on November 30, 2015, for $9,You originally financed the vehicle for $24,On November 30, 2015, the balance on your installment loan was $15,After the proceeds of the auction sale were applied to the loan, a balance of $6,remainedInterest accrues daily on the outstanding balance. On November 30, 2015, the Bank mailed you a letter titled Explanation of Calculation of Deficiency and Accounting After SaleI have enclosed a copy of this letter for your review. On November 30, 2015, the Bank charged off the remaining principal balance for your installment loan as uncollectedIn order to discuss a possible settlement offer you will need to contact our attorneyYou can contact *** *** * *** *** at ###-###-####Please note the current balance owed on your installment loan is $6,This amount does not include any legal fees charged by our attorney. We have completed our review of the payment history reporting on your credit report for your installment loanOur review determined that the information provided to the credit reporting agencies is accurateWe regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to correct prior negative reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ** Equifax ###-###-#### ** Experian ###-###-#### ** TransUnion ###-###-#### ** Innovis ###-###-#### I hope this information provides the needed clarificationIf I can be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosures: Contract, Delinquent Letter September 5, 2015, Delinquency Balance November 30,

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,
*** ***
I only recieved *** back into my account on 5/20/ My initial international transfer was for the ammount of *** I did not receive the balance of *** that is still owed to me

*** *** *** *** *** *** ** *** Date: November 13, 2015 Account: *** Regarding Pending Debit Card Transaction Dear *** ***: We received a copy of your complaint filed with the Revdex.com, concerning your request to
have the authorization for the pending debit card transaction removedWe appreciate the time you have taken to express your concerns and for bringing this matter to our attention. We regret that a pending authorization for a debit card transaction cannot be removed per an account holders’ request, unless the authorization has been on the account for more than four (4) business days, the transaction has already been debited from the account, or the merchant authorized multiple authorizations for the same amount in error. The pending debit card authorization from *** *** for $expired, and the funds are no longer being held for this authorizationIt should also be noted that there were no overdraft fees assessed due to the pending debit card authorization from *** ***. Your feedback is important to us, so that we can better understand how we can improve our service to youAdditionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction. We hope this correspondence will help you understand Fifth Third Bank’s position going forward, and I trust the information detailed herein answers any questions you may haveIf 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, Elizabeth J. Office of the President Pc: Revdex.com

*** ** *** *** *** *** *** *** ** *** Date: January 29, 2016 Account: *** Regarding Your Platinum *** Dear *** ** ***: We received a copy of your complaint filed with the Revdex.com regarding your Platinum
*** accountWe appreciate the time you have taken to express your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On behalf of the Bank, please accept my sincere apologies for any frustration or inconvenience you experienced regarding this matterWe were able to locate your $1,credit card payment, which was applied to your account on January 20, Please be assured that the payment was backdated to November 9, 2016, which is the date we originally processed the paymentAdditionally, we waived a total of $in finance charges that were assessed to your account because of the misapplied paymentAs a result of the payment and refund for finance charges, your credit card account is overpaid by $Additionally, we confirmed that the account has not been reported as late to the credit bureaus. I confirmed that you previously spoke to Escalation Support Specialist Rodney on January 5, 2016, regarding the missing paymentPlease be assured that Rodney submitted the necessary requests to facilitate the location and application of your payment to the credit card accountI apologize for the extended amount of time it took to process the request. Please note that the payment address *** *** used to send the check to the Bank was the addressed utilized for mortgage loan paymentsIn the future, please utilize the payment address listed below when sending your credit card payments: Fifth Third Bank P.OBox 740789 Cincinnati OH 45274-0789 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 used in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your correspondencePlease contact either the Customer Service Department, or myself, to make sure that your accounts are properly updated so that we can send you a cashier’s check for the balance owed to you of $The Customer Service Department can be reached at ###-###-####I can be reached at the telephone number listed belowPlease note that per the Bank’s security procedures, we must wait two (2) weeks after an address change before we can mail the refund check 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint I filed a complaint with Revdex.com on September against Fifth Third Bank Since January I have been contacted with *** Collection Agency and made three dispute against Fifth Third Bank and Fifth Third Bank private collection Agency *** *** ***.to change my credit report status from foreclosure to Bankruptcy and erase my account from Fifth Third Bank to zero balanceSupposedly I received a letter from MrP(Office of the President) from Fifth Third Bank on October telling me this: "We have completed our review of the information reporting on your credit report for your mortgage loanOur review determined that the information provided to the credit reporting agencies is incorrect.Please be assured we have submitted an update to all credit bureaus to correctly report the account as being included in your chapter Bankruptcy discharged on October 29, 2013, with zero balance owedEnclosed is is a copy of the credit bureau correction letter we submitted on your behalf." I have to report that was a lie because MrPdoes not call *** to provide that informationWhen I checked my credit report again via online and by mail on February and April 2016, still showing up foreclosure with balance of $146,and Missed Payments instead bankruptcy with zero balanceI have been calling MrPfrom Fifth Third Bank on April 5,12,& and MrPapologized on 04/05/why my account was not changed, he will find out so I gave him extra daysOn 04/12/he reported to me because I had a bankruptcy and was not included in the list of creditorsI informed him, that I included 5/Bank and also for bankruptcy is not necessary to be includedMrPtold me that he will find outFinally I called on 04/15/about my account& Mr.Pinformed me that my foreclosure was on May 22,with zero balance when I filed bankruptcy on July 7, so they cannot change the reason from foreclosure to bankruptcy.I said is illegal. Desired Outcome: Correction the status of my credit report to Bankruptcy with zero balance and maintain that reason in my credit report for the period of time that is allow per law (to years)Also I want to Revdex.com inform and supervise Fifth Third Bank that foreclosure occurred May 22,prior to Bankruptcy filing date 07/07/and discharge 10/29/By law all debts prior from Bankruptcy filing date must to be to write off or close with zero balance
Regards,
*** ***

*** *** *** * *** *** *** ** *** Date: April 6, 2016 Account: *** Regarding Your ATM Deposit Dispute Dear *** ***: We received a copy of the additional complaint you filed with the Revdex.com concerning your Automated Teller Machine (ATM) deposit disputeWe appreciate the opportunity to respond to this matter. On April 1, 2016, we completed our additional investigation and we were able to overturn our original decision for case ***On this same date $was credited to your Essential Checking account ending in ***I hope this letter meets your satisfaction and resolves your need. Thank you for your patience while we researched this matter for youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com

*** *** *** *** ***
*** ***
*** *** *** *** ** ***
*** *** *** *** *** *** Regarding *** *** Dear *** ***: We received a copy of the follow up complaint your client filed with the Revdex.com regarding his installment loanWe appreciate the time your client has taken to express his concerns regarding this matter, and we sympathize with the difficulties *** *** has experiencedWe have completed our review of the payment history reporting on your client’s credit report for his installment loanOur review determined that the information provided to the credit reporting agencies is accurateSpecifically, no negative information has been provided the credit reporting agenciesOur research determined no late reporting, the accurate amount owed on the loan, and that the account was ‘paid as agreed’ as having been reportedHowever, in order to properly respond to your client’s request, we need additional informationPlease submit a copy of the relevant portion of his credit report that contains the allegedly inaccurate informationThe Bank has also received notification that your client filed an insurance claim in regards to the fraud associated with the sale of his vehicleOn May 27, 2016, the Bank received and processed a $19,payment that satisfied the amount your client owed on the installment loanThis payment resulted in a $overpaymentThe overpayment amount will be returned to your client within ten (10) business daysIf your client would like to contact the credit reporting agencies directly, their contact information can be found below: • *** ###-###-#### • *** ###-###-#### • *** ###-###-#### • *** ###-###-#### It was certainly not our intention to cause your client any inconvenience 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., ETSincerely, Patrick SOffice of the President PC: Revdex.com

*** *** *** *** *** *** *** *** ** *** Date: November 7, 2017 Account: *** Regarding Your Fifth Third Bank Account Dear *** *** ***: We received a copy of the complaint you filed with the Revdex.comWe are sorry to
hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. To prevent an overdraft situation, you can review your account at an ATM (Automated Teller Machine), on our website at 53.com, through mobile banking, or by calling our Customer Service Department at ###-###-####Our toll-free Telephone Banking system is available twenty-four (24) hours and Customer Service Representatives can be contacted at the same telephone number and are available Monday through Friday, a.mto p.m., and Saturday, 8:a.mto p.mET. As part of your checking account relationship, Overdraft Coverage allows payments and purchases to be made even if you do not have enough money in your accountYou have the option of enrolling in Overdraft Coverage for ATM transactions and one-time Debit Card purchasesIn addition, a customer can change their Overdraft Coverage options at any time at a banking center, online at 53.com, via mobile banking, and over the phone by calling ###-###-####. ** Accepting, or opting in, to this service allows you to make Debit Card purchases or ATM withdrawals even if you do not have enough money in your accountHowever, there are fees for each item the bank pays when there are insufficient funds in your account. ** Opting out of Overdraft Coverage for ATM transactions and one-time Debit Card purchases means that transactions will be declined in the event you do not have enough funds in your checking account and you will not be assessed overdraft fees for these types of transactions. ** If the Bank is presented with checks, online bill payments, and ACH (Automatic Clearing House) items, we are obligated to make a decision on whether to pay or decline an item, which may cause either an overdraft fee or a return item fee. Overdraft or return item fees post the next business day after the debits that contributed to the overdraft. We 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 our Business DayA Business Day is a non-holiday weekdayAn overdraft notice that details how your account became overdrawn is sent to the address on file and is available on 53.com, or through Mobile Banking. Your beginning balance on October 25, 2017, was $Four (4) debits posted to your account, creating an ending balance of ($53.22)All items were paid and one (1) overdraft fee of $was charged to your account on the next business dayThere was debit card activity from October 26, 2017, until November 2, 2017, that was approved while the account had a negative balance greater than $5.00 causing additional overdraft fees to be assessedI have enclosed copies of the related Overdraft Notices. This review confirms that the overdraft fees were properly assessed as the account balance was overdrawn by more than $at the time the items were presented for paymentThis information is provided on the second page of the Overdraft NoticesIt is important to ensure your accounts have enough funds to cover all of the transactions you have authorizedAs a courtesy to you, previous overdraft fees were waived on October 27, 2017, and November 3, We certainly sympathize with the difficulties you have encounteredIn the interest of customer service, I credited your checking account for an additional $in overdraft fees on November 6, 2017. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com Enclosures: Overdraft Notices

February 28, 2018*** *** Revdex.com Holiday Drive, Suite Pittsburgh, PA 15220Re:Yourreference: *** *** - Case No***Dear Mr***:We are in receipt of your letter dated February 14, 2018, regarding the informal complaint filed by *** ***We have had the
opportunity to investigate this Complaint and offer the following information.According to our records, Mr*** installed phone service on November 12, and signed our Telephone Subscription AgreementIn April 2009, Mr*** enrolled in auto-pay and opted to not receive paper billing statementsMr*** is able to view his statements online each month.Thank 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 Teamcc: *** ***

*** *** *** *** *** *** ** *** Date: July 29, Accounts: *** Regarding Your Cash Rewards Credit Card Dear *** ** ***: We received a copy of the complaint you filed with the Revdex.com concerning your Cash Rewards
Credit CardWe appreciate the time you have taken to document your thoughts and concerns, and sympathize with the difficulties you have experiencedWe completed our research for the Cash Rewards Credit Card account ending in ***On the statement for July 2011, you began the hardship planThis plan included a $per month payment and an 8% interest rate for five (5) years, as well as no late fees while you were on the planBecause we did not receive a payment for a sixty (60) day period, you were removed from this plan on February 18, 2015, and the account was returned to the original terms as outlined in the Fifth Third Card AgreementI have enclosed the agreement and these statements for your records and reviewPlease note we were unable to inform you of the removal from the plan because we received a verbal cease and desist for the account on September 24, If you wish to remove the cease and desist from your account, please return a written retraction for the cease and desist to the address below: Fifth Third Bank Office of the President *** *** *** *** *** *** *** ** *** Alternatively, you can fax this information to my attention directly at ###-###-####Once I receive the retraction, I will forward the information to the Collections Department to have the cease and desist removed from the accountIf you would like to contact the Collections Department you may reach them directly at ###-###-####I am sorry for any frustration or inconvenience this may causeWe also reviewed the history of the Cash Rewards Credit CardThe account was assessed late payment fees for the following: On March 31, 2015, we received your payment in the amount of $The minimum payment was due by April 3, 2015, in the amount of $Because we did not receive the full minimum payment due by April 3, 2015, a late payment fee was assessed to the account in the amount of $25.00.We received no payment on the account from April 7, 2015, to May 6, The minimum payment was due by May 3, 2015, in the amount of $Because we did not receive the full minimum payment due by May 3, 2015, a late payment fee was assessed to the account in the amount of $35.00.On June 5, 2015, we received your payment in the amount of $The minimum payment was due by June 3, 2015, in the amount of $Because we did not receive the full minimum payment due by June 3, 2015, a late payment fee was assessed to the account in the amount of $35.00.On July 1, 2015, we received your payment in the amount of $The minimum payment was due by July 3, 2015, in the amount of $Because we did not receive the full minimum payment due by July 3, 2015, a late payment fee was assessed to the account in the amount of $35.00.I have enclosed these statements for your records and reviewPlease note your next payment is due August 3, 2015, in the amount of $Our research determined there was no error in assessing the late payment fees that were assessed to your accountOn June 12, 2015, in the interest of customer service, one (1) $late payment fee was reversed, and credited back to the accountHowever, because there was no error in assessing the late payment fees to the account, we are unable to reverse any additional feesI am sorry for any frustration this may cause you.As of July 27, 2015, the remaining account balance is $Because this amount is under the minimum threshold of $for hardship plan eligibility, you are unable to participate in another hardship plan at this timeI am sorry for any additional frustration this may cause you.Thank you for your patience while we researched this matter for youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, **mto p.m., ET.Sincerely, April Q.Office of the PresidentPc: Revdex.comEnclosures: Fifth Third Card Agreement, Statements

*** *** *** *** *** ** *** Date: July 16, 2015 Regarding Your Husband’s Mortgage Loan Dear *** ***:We received a copy of your complaint filed with the Revdex.com regarding your husband’s mortgage loanWe
appreciate the time you have taken to express your thoughts and concerns regarding this matter.We sympathize with the difficulties you have encountered due to your recent hardshipBecause you are not a signer on this account, we are unable to share any details of this account with youThe Bank has security measures in place to protect the privacy and security of our account holders, and I apologize for any frustration this may cause youPlease be assured that we have researched your concerns, and a response letter with our findings will be mailed directly to *** ***.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, Brandy WOffice of the PresidentPc: Revdex.com

*** *** *** *** *** *** *** ** *** Date: August 10, 2017 Regarding Your Credit Bureau Inquiry Dear *** ***: We received a copy of your follow up complaint filed with the Revdex.com (Revdex.com) regarding an inquiry on your credit reportWe appreciate the additional time you have taken to express your thoughts and concerns in this matter. On behalf of the Bank, I apologize for any concern or frustration this situation may have caused youHowever, we stand by our previous correspondence dated August 4, Our position on this matter has not changedPlease be advised that Fifth Third Bank receives a copy of the signed application for credit only if the application is approved and the applicant books the loan with usThe dealership involved will then send the signed application to us for our records. Because the application in question was denied, we were not provided with a copy of the signed application. We can submit a request to the credit reporting agencies to remove the inquiry if the dealership provides us with a letter documenting their errorThe dealership representative can send the requested letter to the following address: Fifth Third Bank Office of the President Attn: Shawna HKingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, this signed documentation can be faxed to my attention at ###-###-####If you would like to contact the credit reporting agencies directly, their contact information can be found below: *** ###-###-#### *** ###-###-#### *** ###-###-#### *** ###-###-#### We appreciate your patience while we researched this matter and apologize for any inconvenience 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

*** ***, *** *** complaint # *** We have already provided two written response to this customer regarding his complaintThis additional rebuttal does not provide any additional information.We stand by our previous responses and consider this issue closed. Thank you, Lisa S.| Fifth Third Bank Consumer Resolution Specialist| Office of the PresidentKingsley Dr, MD 1MOCOP, Cincinnati, OH 45263** *** ** *** *** ***

*** *** *** *** *** *** ** *** Date: April 27, 2017 Account: *** Regarding Your Real Life Rewards *** 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. Per our conversation, the $transaction from the merchant *** was originated and sent to the Bank for payment from ***Because it was a foreign transaction originated from ***, the Bank’s international transaction fee appliedEnclosed is the Card Agreement for your Real Life Rewards *** accountPage three (3) discloses that an international transaction fee equal to 3% of the U.Sdollar amount of the foreign transaction. I certainly understand that you were not aware the transaction would be submitted to your account from a foreign locationIn the interest of customer service, I waived the $25.39 international transaction fee that was assessed on April 26, The credit to your account will reflect on your May credit card statement. As we discussed, your credit card account will be converted to our new *** Credit CardWith the new *** Credit Card, you will earn 3% cash back rewards at restaurants and 2% cash back rewards on gas, at grocery stores, and at drug storesYou can earn up to $1,500.00 spend per quarter in these combined purchase categoriesYou earn unlimited 1% cash back rewards on all other purchasesThe rewards can add up fast, and you can choose how to redeem themYou can receive cash as a statement credit, a deposit into your Fifth Third Checking or Savings account, or even pay down a Fifth Third loanYou can also choose to receive retail gift cards, restaurant gift cards, merchandise, and travelAdditionally, the TRIO Credit Card has no Annual Fee and no international transaction fees on credit purchases. Please note that if you incur additional international transaction fees before the account conversation takes place, we will be unable to waive those fees. 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: Card Agreement

*** *** ** *** *** *** *** ** *** Date: March 1, 2016 Account: *** Regarding Your Real Life Rewards *** Dear *** ***: We received a copy of your complaint submitted to the Revdex.com concerning your Real
Life Rewards *** accountPlease be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused youPlease be assured we have researched the issue surrounding the status of your Real Life Rewards *** and the non-receipt of statements associated with this accountWe have found that the address associated with the account at the time of its origination was *** *** *** *** ** ***, which is also the address associated with the *** *** *** checking and savings accountsI have included copies of the statements sent for this card with this correspondence for your reviewDue to the fact that the card for this account was received at this address, subsequently activated and actively used, in addition to statements sent that had been sent to that address not having been returned to the Bank, we are unable to reinstate this account or update your credit report to remove the delinquent status that is currently reportingWe regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to correct prior negative reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### Additionally, your comments expressing less than quality service you received throughout this process are very concerningWe strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectationsI want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. *** ***, I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a responseIf I could be of further assistance to you, please contact me directly at *** *** or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Sarah S. Office of the President Pc: Revdex.com Enclosures: Real Life Rewards *** Statements August 2015-February

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.
Can you please elaborate the difference when unauthorized transaction is categorized as "merchandise based" and when its not?When I am checking here:***I choose ***, reason Code ** is the only available option. There is no subcategory as "merchandise based" or "non-merchandise" based?And when I put my scenario - there is says that the dispute should be resolved in my favor.So I am not really sure why it is so complicated all the time with the 5/bank? I feel like I have no protection whatsoever when using my cards at all. Please confirm if this is the case, if so, I would probably just switch the banks, that takes care of their customers, especially when charging all the monthly and additional fees for the services
Regards,
*** ***

*** ** *** *** * *** *** *** *** ** *** Date: October 20, 2015 Account: *** Regarding Your Mortgage Loan Dear *** ** ***: We received a copy of the letter you sent to the Revdex.com concerning the information reporting
on your credit report for your mortgage loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We have completed our review of the information reporting on your credit report for your mortgage loanOur review determined that the information provided to the credit reporting agencies is incorrectPlease be assured we have submitted an update to all four (4) credit bureaus to correctly report the account as being included in your Chapter Bankruptcy discharged on October 29, 2013, with a zero balance owedEnclosed is a copy of the credit bureau correction letter we submitted on your behalfPlease allow approximately thirty (30) days for the credit reporting agencies to update their reportingPlease also be assured that we will continue to conduct reviews and follow up with the credit reporting agencies until we ensure the account is reporting correctly. If you would like to contact the credit bureaus directly, their contact information is below: *** ###-###-#### *** ###-###-#### *** ###-###-#### *** ###-###-#### We strive to provide professional and accurate service to our customers, and I 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, Adam P.Office of the President PC: Revdex.com Enclosure: Credit Bureau Correction Letter