PROCORPSA

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*** ** *** Date: December 31, 2015 Account: *** Regarding Your E-Access Checking Account Dear *** ***: We received a copy of the letter you sent to the Revdex.com regarding your
E-Access Checking AccountWe 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 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 December 17, 2015, the beginning balance in your checking account was $On December 17, 2015, eight (8) items posted to your account totaling $The ending balance in your checking account on December 17, 2015, was negative ($92.96)Due to insufficient funds in your checking account, seven (7) overdraft fees totaling $posted to your account the following dayI have enclosed a copy of the Overdraft Notice that was sent on December 18, 2015, for your review. On December 18, 2015, the beginning balance in your checking account was negative ($92.96)On December 18, 2015, an ATM deposit of $posted to your accountAdditionally, three (3) items posted to your account totaling $No additional overdraft fees were assessed to your accountThe ending balance in your checking account on December 18, 2015, was negative ($186.82)I have enclosed a copy of the Overdraft Notice that was sent on December 21, 2015, for your review. On December 21, 2015, the beginning balance in your checking account was negative ($186.82)On December 21, 2015, one (1) item posted to your account totaling $Due to insufficient funds in your checking account, one (1) overdraft fee totaling $posted to your account the following dayI have enclosed a copy of the Overdraft Notice that was sent on December 22, 2015, for your review. Per Fifth Third Bank’s Rules and Regulations, a copy of which is enclosed for your convenience, transactions that post to your account are processed in the following order: ? Credits and deposits made prior to the end of day cutoff time ? Time stamped ATM and debit card transactions in the order they took place ? All other debits, including checks and electronic bill payments, in the order of highest to lowest amount ? Fees and service charges. Please be aware that it is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank errorIf we receive a request to reverse fees as a customer courtesy, we are only able to reverse a limited amount of fees within a specified period of timeThe reason for this policy is that it allows us to treat all customers fairly and equallyPursuant to your previous fee waiver requests, we have reversed $in overdraft fees over the past twelve (12) months, as a courtesy to youAccording to the Bank’s policy regarding overdraft fee reversal requests, additional courtesy overdraft fee reversals are not warranted at this time. Fifth Third Bank makes every effort to ensure that all of our ATMs are in proper working order; however, we are unable to guarantee that all of our ATMs will be available for use at all timesWhen we are made aware of a deficiency in any of our ATMs, we do make every effort to remedy the situation as quickly as possibleWe apologize if you have experienced any issues with any of ATMs; however, any malfunction with one of our ATMs does not warrant a reversal of overdraft fees assessed according to the Bank’s Rules and RegulationsWe hold all of our customers equally responsible for ensuring that there are enough funds to cover any transactions at the time that they are presented for payment to an account. I also want to be sure you are aware that the Bank offers several options for Overdraft Protection. Overdraft Protection for a checking account allows funds from another account to be transferred into the checking if the checking account becomes overdrawnIf you are enrolled in Overdraft Protection, funds are automatically moved another Fifth Third account that you ownAlthough there is an overdraft transfer fee of $per transfer, this is less than the fees that are assessed when your checking account becomes overdrawn without Overdraft ProtectionFor more information about Overdraft Protection please visit your local Fifth Third Banking Center or contact our Customer Service Department at ###-###-####, Monday through Friday, a.mto p.m., ET., Saturday 8:a.mto p.m., ETYou will also find additional information on our website at www.53.com. 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): Overdraft Notices; 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 satisfactory to me, but I would still not choose to do business with or recommend this bank if I had my choice in the matter, as I’ve still never dealt with any bank that has this many difficulties, miscommunication between departments, and lack of ease in simply making mortgage payment.
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.
Regards,
*** ***

*** *** *** *** *** *** *** ** *** *** *** *** *** Regarding Your Credit Bureau Inquiry Dear *** ***: We received a copy of the complaint you filed with the Revdex.com concerning an inquiry on your
credit reportWe appreciate the time you have taken to document your thoughts and concerns. We initially received a copy of this complaint forwarded to our office on July 2, 2015, dated June 23, We received this similar complaint from you on March However, we stand by the response conveyed to you in the previous letter sent to the address listed on your initial complaint on July 6, I have enclosed a copy of that prior correspondence for your reviewOur position on this matter has not changed. As we mentioned in the enclosed correspondence, we previously reviewed the inquiry listed on your credit report. Our review determined that the information provided to the credit reporting agencies is correctOn August 16, 2014, we received an application on your behalf for an auto loan at the *** ** *** dealershipWe have included a copy of the adverse action letter sent to you on September 8, 2014, for that installment loan applicationHowever, if the application was submitted in error by the dealership, they will need to provide 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 Kingsley 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 bureaus directly, the contact information can be found below: *** ###-###-#### *** ###-###-#### *** ###-###-#### *** ###-###-#### If the application was submitted to the dealership in your name fraudulently, please contact your local law enforcementThey are able to assist you with completing the necessary documents for any fraud that may have occurredIf you have already filed a police report and have a copy of it, please fax a copy to us and we will have the inquiry removed. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ***, Monday through Friday, a.mto p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com Enclosures: Previous Response, Installment Loan Adverse Action Letter

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 As stated earlier, you never made me aware of the statement due to the fact you stopped sending any type of mail starting around the middle of before this "dormant account fee" came into effect., The only mail I have received that was not a generic advertisement, the final account statement, came on June 29th: the day before I submitted my complaintContrary to your PDF "statement** Final Response", you did not in fact send any August account statement to my address, and also did not attach the copy of said statement to your response on hereIf you are going to use Although I stated this paragraph in the initial complaint, I'm stating it again since you did not address this when replyingSecond, as stated on your website (Source: https://www.53.com/personal-banking/checking/essential-student-checking.html ), your student checking accounts have no monthly feesAs I was told in person, there were to be no monthly fees of any kind on the account, which would include this dormant account feeUnfortunately, as I am unable to find any PDF similar to what you have sent me as it pertains to what exactly is waived or not waived on student accounts, my question remains unansweredIn short, you should have at least informed me ahead of time that I would start being charged a monthly fee on a student account specifically designed not to have such fees, not cut off monthly statements and hope I would not notice or careRegards, *** ***

*** ** *** *** *** *** ** *** ** *** Date: March 29, 2018 Account: *** Regarding Your Vehicle Installment Loan Dear *** ** ***: We received a copy of the complaint you filed with the Revdex.com concerning your account
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. Since your request to change your name on your vehicle title was not completed per your request, the $fee that you paid to ** *** *** was refunded on March 15, The refund was sent to the account that you used to pay the $feeTo have your name changed on the vehicle title, you will need to sign and return the enclosed copy of the DOR - Motor Vehicle Title/Tag ApplicationPlease also be sure to print your driver’s license number on the formSince the Department of Motor Vehicle (DMV) charges an $fee to process the request, please include an $check with the signed formThe check should be made payable to the State of *** DOR/Motor Vehicle DivisionPlease return the original signed form and the $check directly to the attention of Fifth Third Bank employee Sandra KirkseyMsKirksey’s contact information is below: Fifth Third Bank Attn: Sandra K.MD: 1MOB1S Kingsley Drive Cincinnati OH 45227 Telephone: ###-###-#### Email: *** When MsKreceives the original signed form and the $check from you, she will send the check and the signed form to the *** DMV to have your name changed on the vehicle title. If you have any additional questions or concerns, please contact MsKdirectly at the email address or at the telephone number provided in this letterIf 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 Enclosure: DOR - Motor Vehicle Title/Tag Application Form

I am writing from existing complaint I made earlier this week about the fees well I forgot to add this but I had several things that went through when this all happened which was my car insurance with progressive for $and thing with vehicle solutions for $and now this week I see more
fees from all of this coming through again including t-mobile $I think if y'all had paid the bills and charge the fees then this would not have been a problem at all and I would have taking care of getting the account back to positive.I would like the fees to either be refunded back and those bills that came through to be paid

*** *** *** *** ** *** ** *** Date: October 20, 2017 Account: *** Regarding Your Checking Account Dear *** ***: We received a copy of the complaint you submitted to the Revdex.com regarding your checking accountWe 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 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. 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 day cut-off time and subject to our Funds Availability Policy. Posted time-stamped debits, such as ATM (Automated Teller Machine) 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 ATM transactions are time-stamped debits and are pre-authorized by us at the time of card use and appear in your account as pending items until they are postedOther debits such as checks and electronic bill payments are not pre-authorized by us and do not include a timestampTherefore, these items will not appear as pending during the day because they are collected during overnight processingThese transactions will post to the statement for the business day they were presented for payment from Fifth Third Bank, the day the payments were authorized by you to be paidAs the customer you are in the best position to know what checks and electronic payments were authorized by you and outstanding on your accountI have enclosed a copy of our current Rules and Regulations for your reviewPages fourteen (14) and fifteen (15) provide additional information regarding our transaction posting order. On October 12, 2017, the beginning balance in your checking account ending in *** was $Nine (9) items totaling $3,posted to your accountThese items were posted in the following order: $Debit Card Purchase Time-Stamped 10/10/17, 7:a.m. $Debit Card Purchase Time-stamped 10/10/17, 7:a.m. $Debit Card Purchase Time-stamped 10/10/17, 10:p.m. $Debit Card Purchase Time-Stamped 10/10/17, 11:p.m. $Debit Card Purchase Time-Stamped 10/11/17, 4:p.m. $1,Web-Initiated Payment $1,Web-Initiated Payment $1,Web-Initiated Payment $Web-Initiated Payment Your account had a negative ending balance of ($3,525.13)Due to insufficient funds for all four (4) web-initiated payments, overdraft fees totaling $were assessed and posted to your account the following business dayPlease note that the web-initiated payments were not time-stamped debits, so they would not have shown as pending in your account on October 12, 2017, prior to processing at the end of the business dayPlease also note that items processed during overnight processing may not show on your account immediately at midnight and will not show on your account until overnight processing is completeThat is why it is very important that you keep track of the transactions you have made to ensure that you have sufficient funds for those items. On October 13, 2017, your checking account had a negative beginning balance of ($3,525.13)One (1) direct deposit of $2,was credited to your account, and nine (9) items totaling $were debited from your accountThese items were posted to your account in the following order: $2,Direct Deposit $Debit Card Purchase Time-stamped 10/10/17, 4:p.m. $Debit Card Purchase Time-stamped 10/10/17, 4:p.m. $Debit Card Purchase Time-stamped 10/11/17, 7:a.m. $Debit Card Purchase Time-stamped 10/11/17, 10:a.m. $Debit Card Purchase Time-stamped 10/11/17, 11:a.m. $Debit Card Purchase Time-stamped 10/11/17, 5:p.m. $Debit Card Purchase Time-stamped 10/12/17, 8:a.m. $Debit Card Purchase Time-stamped 10/12/17, 6:p.m. $Overdraft Fees Your account had a negative ending balance of ($1,122.32)No overdraft fees were assessed to your account for any of the transactions since you declined Overdraft Coverage for debit card and ATM transactions, and Fifth Third Bank does not assess overdraft fees for bank fees that overdraft your accountOn October 16, 2017, your account was brought to a positive balance when a disputed transaction of $1,was credited to your accountI have enclosed copies of the overdraft notices we sent to you for your review. On October 17, 2017, your checking account became overdrawn againOn that day, the beginning balance in your account was $One (1) overdraft fee reversal of $was credited to your account, and two (2) items totaling $were debited from your accountThese items were posted to your account in the following order: $Overdraft Fee Reversal $Web-Initiated Payment $Web-Initiated Payment Your account had a negative ending balance of ($39.88)Due to insufficient funds for both debited items, two (2) overdraft fees totaling $were assessed and posted to your account the following business dayPlease note that the web-initiated payments were not time-stamped debits, so they were posted in the order of the largest amount to the smallest amount. As of October 18, 2017, your account has a negative available balance of ($215.65)The following two (2) items are pending on your account: $Debit Card Purchase Time-Stamped 10/17/17, 7:p.m. $ATM Withdrawal Time-Stamped 10/18/17, 1:a.m. Please note that although you did not accept Overdraft Coverage for debit card and ATM transactions, at the time the ATM withdrawal was authorized, overnight processing was not yet complete, so the funds were available for you to withdraw from your accountI strongly urge you to make a deposit as soon as possible to bring your account to a positive balance. It was certainly not our intention to cause you any hardshipOur records show that in the past twelve (12) months we have waived overdraft fees tot***ng $in the interest of customer serviceWe are unable to waive any additional fees due to our bank policy. Our records also show that you do not have Overdraft Protection for your checking accountPage sixteen (16) of the enclosed Rules and Regulations provides information regarding Overdraft Protection options that you may want to considerAdditionally, as noted above, you declined Overdraft Coverage for debt card and ATM transactionsHowever, you may change your Overdraft Coverage preferences at any time on our website at 53.com/accountmanagementservices, by visiting any Fifth Third Bank banking center, or by calling customer service at ###-###-####Customer service is available Monday through Friday, a.mto p.m., and Saturday, 8:a.mto p.m., ET. Please keep in mind that declining Overdraft Coverage does not affect other types of transactions, such as checks, ACH (Automated Clearing House), and bill paymentsIf you would like for the Bank to decline these types of transactions if there are insufficient funds, the item will be returned as unpaid and your account will be assessed a $return item feePlease contact customer service, or visit any Fifth Third Bank banking center if you would like to update your overdraft preferences for these types of transactions. You may also want to consider using a transaction register to help keep track of the items that are going in and out of your accountMany customers find this beneficial because it helps to avoid overdrawing your account. For your convenience, I have enclosed a transaction register, but please know that transaction registers are free at any Fifth Third Bank banking centerThere are also several Mobile Apps available in the *** Store and *** Play that can help you track the items in your checking account if that would be more convenient to you. Lastly, the overdraft settlement you mention in your complaint applied to all persons in the United States who held a Fifth Third Bank deposit account and who at any time from October 21, 2004, through July 1, 2010, incurred at least one (1) overdraft fee associated with at least one (1) Fifth Third Bank debit card transactionYour checking account was opened on September 15, 2016, and was not included in the settlement. 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.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Rules and Regulations, Overdraft Notices, Transaction Register

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint The company has failed to address my concernsI will reiterate the points of contention:
Your collection agency falsely cited the amount owed, and demanded that additional monies be paid that were not requiredthis agency is obviously contracted to you and the bank is therefore in some way responsible for their actionsWhat is the bank doing to correct this?
I too am in a business of trying to get invoices paid on time, my company calls and explains the issue with the client and often gets prompt payment in a manner that is friendly and open dialogueAlthough I have paid religiously you have failed to respond in a friendly and open environment, rather you have secured a collection agency even for those people who pay their billsYou have stated this is company policyI find this alarming that you should send the dogs after people who pay you based on their salary cycleA simple phone call to understand would be sufficient
Collections agencies often injure credit ratings without knowledge of the person involved and with discussion of the issues at handI will need to know that this has not been done
Most of these issues can be completed with a call from the bank to let me know how this will be addressedIF there has been any damages to the bank please site them and I will be sure to response, otherwise I will not be paying the late fees, unless I receive a call to discuss this matter
Unless the bank has forgotten how to show some respect for the client, I will be eagerly awaiting your callPlease come with information on how you will be changing your policies or how the collection agency was reprimanded for providing information DO NOT give me your BS about late fees, it is irrelevant to the discussion about policy
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
I have been contacted by a 53rd executive and was informed that they are working on a resolution to my complaint so till I hear back from them this is not resolved yet
Regards,
*** ***

*** *** *** *** *** * *** ** *** Date: March 23, 2016 Account: *** Regarding Your Essential Checking Account Dear *** ***: We received a copy of the complaint you filed with the Revdex.com concerning your Essential
Checking accountWe appreciate the time you have taken to document your thoughts and concerns. We completed a review of your Essential Checking account ending in ***Our records indicate that an attempt was made to close the account on February 25, 2016, and February 26, However, because transactions continued to occur, we were unable to close the account as you had requestedOur review of the account activity included the following: * The daily balance for the account on February 25, 2016, was zero. * On February 26, 2016, check *** in the amount of $attempted to post to the accountBecause there were insufficient funds, the check was returned the following business day, and a $return item fee was assessed to the accountI have enclosed a copy of this check for your records and reviewOnce this item was returned, the negative account balance was ($37.00). * On March 2, 2016, a payment to All State Insurance in the amount of $attempted to post to the accountBecause there were insufficient funds, the payment was returned the following business day, and a $return item fee was assessed to the account. Once this payment was returned, the negative account balance was ($74.00). * On March 15, 2016, a payment to Waterville Gas in the amount of $attempted to post to the accountBecause there were insufficient funds, the payment was returned the following business day, and a $return item fee was assessed to the account. Once this payment was returned, the negative account balance was ($111.00). * On March 18, 2016, an $monthly service charge was assessed to the account, leaving a negative account balance of ($122.00). Our review of the previously detailed transactions has determined there was no error in assessing the return item fees to the accountHowever, in the interest of customer service, we reversed the $monthly service charge and the $of overdraft fees, and closed the account as originally requested. Thank you for your patience while we researched this matter for youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, April Q.Office of the President Pc: Revdex.com Enclosure: Check ***

*** *** Attn: *** *** *** *** *** *** *** ** *** Date: March 2, 2016 Account: *** Regarding Your Fifth Third Bank Business Standard Checking Account Dear *** ***: We received a copy of the complaint you
submitted to the Revdex.com regarding your checking accountWe 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. 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 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. I have enclosed a copy of our current Rules and Regulations for your reviewPage (12) provides additional information regarding our overdraft calculation order. On January 19, 2016, the beginning balance in your Business Standard checking account ending in *** was positive $1,Eleven (11) items, including (1) credit of $0.17, and ten (10) debits totaling $posted to your accountBased upon the transaction posting order explained above, these items were posted to your account in the following order: Debit Card Return Credit: $0.17 Debit card purchase of $(Paid) Debit card purchase of $ (Paid) Debit card purchase of $(Paid) Debit card purchase of $(Paid) Debit card purchase of $(Paid) Debit card purchase of $(Paid) Check # *** $(Paid) Check #*** $(Returned) Check #*** $(Paid) Check #*** $(Paid) I have enclosed a copy of the overdraft notice sent to you on January 20, Your ending balance was negative ($446.99)On January 20, 2016, check #*** was returned to the Bank due to insufficient funds. Please note, due to insufficient funds for three (3) items, you were assessed an overdraft fee for check #2909 and #***, and a returned item fee for check #***It should also be noted, that a personal banker at the *** *** *** *** *** reversed the two overdraft fees in the amount of $on January 26, as a courtesyTherefore, the Bank is not willing to reverse another fee at this time. 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 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 at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Sarah S. Office of the President Pc: Revdex.com Enclosures (3): Rules and Regulations, Overdraft Notice, Overdraft Solutions Document

*** *** *** ** *** *** *** ** *** ** *** Date: December 19, 2017 Account: *** Account: *** Regarding Your Accounts 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 concernsWe strive to provide quality service to all of our customers, and I apologize that we failed to meet your expectationsI understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. I appreciated the opportunity to speak with youIn an effort to offer a more positive resolution to this issue for you, the remaining $in overdraft fees were credited to the account on December 15, as a courtesyAs we discussed, I have connected your savings account ending in *** as Overdraft Protection for your checking accountOverdraft Protection transfers funds from a Fifth Third savings account, credit card, or equity line to cover items that overdraw your checking accountWith Overdraft Protection, you are charged one (1) Overdraft Protection transfer fee of $instead of an overdraft fee of $for each item that overdraws your accountIf there is not sufficient funds in the savings account to cover an overdraft, the checking account may receive per-item overdraft fees. You are a valued customer and I appreciate this opportunity to address your concernsIf 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

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: January 12, 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 feedback seriously, and I continue to appreciate the time you have taken to communicate your thoughts and concerns. In your complaint you have expressed that you are not aware of the address *** *** *** *** *** *** ***, which has been on file with the Bank as your permanent addressI have updated your permanent address in our system to match the mailing address listed above, which is the address any automated mailing, such as your installment loan coupon book, has been sent toI regret the uncertainty you have felt with this process. Regrettably, I have been unable to reach you at the phone numbers we have on file after multiple attempts in both November and January Please feel free to contact me either in writing or via the phone number listed below to provide us with further information regarding the payments you have mentioned in your complaints that may have had a delay in posting, or the specific date and time of the early drive thru closure, as we would be happy to look into these matters for youThe requested information can be mailed to the following address: Fifth Third Bank Office of the President Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. *** ***, 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

*** ** *** *** *** *** ** *** ** *** Date: April 24, 2017 Account: *** Regarding Your *** Credit Card Dear *** ** ***: Thank you for contacting the Bank regarding the finance charge assessed to your *** Credit Card
We also received the complaint you submitted to the Revdex.comYour feedback is very important to us as it allows us to better understand how we can improve our service to you. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youWe strive to provide professional and accurate information to our customers, and I am sorry that was not your experiencePlease be assured that 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. During our review of your *** Credit Card ending in ***, we confirmed that we sent the following three (3) promotional offers to you: ** January 2017: Promotional convenience checks with 0.00% Annual Percentage Rate (APR) until your cycle date in July The check numbers were *** through ***The fee for each convenience check was 4.00% with a minimum of $The promotional offer expired on March 21, 2017. ** February 2017: Promotional convenience checks with 0.00% Annual Percentage Rate (APR) until your cycle date in August The check numbers were *** through ***The fee for each convenience check was 4.00% with a minimum of $The promotional offer expired on April 18, 2017. ** March 2017: Promotional convenience checks with 0.00% Annual Percentage Rate (APR) until your cycle date in September The check numbers were *** through ***The fee for each convenience check was 4.00% with a minimum of $The promotional offer expires on April 25, 2017. We also confirmed that the following three (3) promotional checks posted to your *** Credit Card: ** On February 14, 2017, convenience check number *** in the amount of $2,posted to your accountThe convenience check fee assessed was $The 0.00% promotional offer on this balance expires on June 30, 2018. ** On March 24, 2017, convenience check number *** in the amount of $5,posted to your accountThe convenience check fee assessed was $The 0.00% promotional offer on this balance expires on July 31, 2018. ** On April 12, 2017, convenience check number *** in the amount of $2,posted to your accountThe convenience check fee assessed was $The 0.00% promotional offer on this balance expires on August 31, 2018. While the convenience checks have a 0.00% APR, the convenience check fees are subject to interest. We assess interest on your account using the average daily balance methodThis includes new transactionsTo calculate the interest we first calculate a separate daily balance for each balance on your accountThe separate balances on your account are the balances for each convenience check and the convenience check fees that were assessedTo calculate the daily balance, we start with the balance at the end of the previous day, which includes any billed, but unpaid interest charges on that balanceWe add any new transactions or fees and subtract any new credits or payments allocated to each balance. For each balance, we add up all of the daily balances and divide by the number of days in the billing cycleThis gives us the average daily balance which is then multiplied by the monthly periodic rateA monthly periodic rate equals the APR divided by twelve (12)This information is shown on your statements in the section titled Interest Charge CalculationI have enclosed a copy of our Card Agreement for additional information regarding interest calculation. The purchase APR on your *** Credit Card is currently 16.74%Based on our calculation, we determined that the average daily balance for the convenience check fees was $This amount was then multiplied by the monthly periodic rate which resulted in a finance charge of $being assessed to your account on April 11, I have enclosed a copy of your April statement for your convenience. It was certainly not our intention to cause you any hardshipIn the interest of customer service, we waived the finance charge of $on April 19, This will be reflected on your May statement. If you would like to avoid additional finance charges, you may pay the balance of convenience check fees in fullAs of April 21, 2017, the balance of convenience check fees still owed is $Your next minimum payment of $is due on May 8, 2017; however, if you pay at least $the convenience check fee balance will be paid in fullIf you choose not to pay the balance of convenience check fees in full, we will continue to assess finance charges until the balance is paid in fullPlease note that any payments you make up to $will be applied to the convenience check fee balance since that is the only balance on your account at this time that is subject to finance charges. Thank you for your patience while we researched this matterIt is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with usIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Card Agreement, Statement

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,
*** *** - Upon opening the account in question, I was told that debit card transactions would need to be done within days of FUNDING the account The account was funded a few days after being opened Also, after completing the debit card transactions I called 5/Bank customer service and was assured that I met the qualifications for the promotion and that the lady on the phone was making a note on my account I think it is terrible customer service to string a customer along for nearly months before finally making a decision That’s $9,that I left in my account waiting to see if I would ever receive the promotional money as promised on the phone Did it really take months for 5/Bank and their employees to “research” the issue? Should I have needed to call 20-times trying to get a resolution? I will never bank 5/Bank again and I will certainly tell anyone I know to avoid them The customer service is horrible to say the least months? really?

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*** *** *** ** *** ** *** Date: June 22, 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 sincere apologies for the frustration you experienced regarding this matter. Thank you for taking the time to speak with me on June 16, 2017, regarding this matterAs we discussed, the $check deposited to the checking account ending in *** on June 5, 2017, was returned as unpaid on June 8, 2017, due to an unusable imageThe Bank scans check deposits and makes an electronic image, which is then sent to the paying bank to obtain the fundsThe paying bank rejected the check because the image was cut off on the bottom portion where the paying routing number and account number is listedThe Bank scanned the original check in a manner that caused the numbers at the bottom of the check to be cut offAs a result, the banking center advised you would need to obtain a new check to be depositedI am very sorry for the distress and inconvenience this caused you. Per our conversation, Lee F., Bancorp Resolution Manager, was able to locate the original check that you deposited in the Bank’s vaultThe check was re-submitted for depositI confirmed the $was credited to your checking account on June 16, I also verified that the $returned deposit fee assessed on June 8, 2017, for this check deposit was waived on June 14, There were no overdrafts that occurred as a result of this matter. *** ***, you and your wife are valued customers and we appreciate your continued patronage of more than fourteen (14) yearsWe appreciate that you brought this matter to our attention so that we could have the opportunity to rectify the errorWe look forward to continuing to serve your financial needs in the future. 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

Dear *** ***:We received a copy of your complaint filed with the Revdex.com, concerning the Private Mortgage Insurance (PMI) cancellation request submitted for your mortgage loanWe appreciate the 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.The monthly payment amount for your mortgage loan is $1,On July 2, 2015, a payment of $16,posted to your accountSince this payment was more than your payment, we applied these funds towards an unapplied balance on your mortgage loan.On July 3, 2015, we reviewed your mortgage loan in order to process your PMI cancellation requestSince the payment noted above was posted to your account as unapplied funds, your principal balance remained unchanged at $112,Therefore, a letter denying your PMI cancellation request was mailed on July 6, to the address on file.In addition, the unapplied funds balance of $16,was debited and reapplied to your mortgage loan as a principal only payment on July 6, 2015, with an effective date of July 1, As a result, the new principal balance on your account was $95,727.44.We understand your frustration and sympathize with the difficulties you have encountered regarding your mortgage loanDue to your complaint, we reviewed your account and the PMI was removed on July 15, Therefore, your new monthly mortgage payment is $1,In addition, your Auto BillPayer withdrawal will automatically updated to reflect the new amount due on August 1, 2015.*** ***, please be assured that it was not our intention to cause you any hardship or frustrationYou 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.Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

*** *** *** *** *** *** ** *** Date: February 9, 2016 Account: *** Regarding Your Fifth Third Bank Installment Loan Dear *** ***: We received your follow up complaint filed with the Revdex.com regarding your installment loanWe appreciate the time you have taken to document your thoughts and concernsThank you for taking the time to speak with me today regarding your mortgage loan payments. Your comments expressing less than quality customer service are very concerningAt Fifth Third Bank we are continuously evaluating the service we are able to provide to our customersWe sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to usFeedback like yours helps us identify problems and improve the level of service we provide to our customersPlease be assured that the relevant parties have been contacted to express your dissatisfaction with the service you received. In researching your concerns, we found that the state of *** has yet to process the title transfer for your vehicleAs we discussed in our telephone conversation on February 9, 2016, you visited the dealership yesterday and you were able to obtain your vehicle registrationBased on our conversation, you are going to contact the dealership regarding the title transfer. On February 8, 2016, the collateral department processed a title inquiry on the State of *** websiteThe vehicle is still reporting under the previous ownerThe Bank has not received the car title from the *** Department of RevenueAs we discussed, we suggest you contact the *** ***l *** dealership to inquire about the delays in transferring your title. It was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matterYou are a valued customer and we hope you will allow us to serve your financial needs in the futureIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Patrick Sucher Office of the President PC: Revdex.com