PROCORPSA

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 think you guys are missing the point of my complaintI'm complaining because I'm being limited to scheduling only four paymentsAlso, if I can schedule pay bills to outside organizations thru your web site, why can't I automate paying my cc account? There has to be a way to set this up
Regards,
*** ***

*** *** *** *** *** *** *** *** ** *** Date: March 26, 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 regarding this matter. On behalf of the Bank, please accept my sincere apologies for the level of service you received when you previously contacted the Bank concerning your mortgage loanPlease be assured Fifth Third Bank takes these matters very seriously, and we strive to provide an exceptional experience to our customersAfter receiving your letter, I forwarded your concerns to the relevant parties at 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 customer satisfaction. However, I cannot inform you of any specific internal actions that might be taken. As your complaint letter indicates that you are already aware, when your mortgage loan was previously reviewed, it was determined that FHA mortgage insurance premiums (MIP) could not be cancelled because the loan to value ratio was 88.07%In addition to being current on the loan payments for the prior twelve (12) months, FHA requires MIP to be paid for at least five (5) years and to have a loan to value ratio of 78% or lowerThe loan was opened in August of 2012. Although MIP had been maintained for at least five (5) years, the loan to value was not 78% or lowerThis is why MIP could not be cancelledOn September 28, 20127, a letter was sent explaining that MIP could not be cancelled at that timeA copy of the letter dated September 28, 2017, is enclosed for your review and convenience. In calculating that loan to value for the purpose of determining if MIP can be cancelled, the lesser of either the initial sales price or the appraised value of the property at loan origination is usedSpecific to your loan, the appraised value of the property at loan origination was $206,and the initial sales price was $200,Therefore, in calculating the loan to value for the purpose of determining if MIP could be cancelled, the initial sales price was used. The loan to value ratio for the purpose of determining if MIP could be cancelled, which was 86.3%, was determined by dividing the principal balance of the loan at the time of the request, $176,154.45, minus the upfront mortgage insurance premium paid at loan closing of $3,377.50, which is $172,776.95, by the initial sales price of the property at loan origination of $200,Since the loan to value was greater than 78%, MIP could not be cancelled. Even if there had been sufficient evidence that the value of the property had increased from when the loan was originated, such evidence could not have been used to determine if MIP could have been cancelledThis is because the loan to value for the purpose of determining if MIP can be cancelled is only determined by the initial sales price at loan originationIt should also be noted that the conditions to be satisfied for MIP to be cancelled are not conditions required by the BankRather, the requirements are determined by FHA. I have enclosed a copy of the disclosure that was provided to you at loan closing in August of 2012, which is called the Informed Consumer Choice Disclosure NoticeThis disclosure outlines the requirements for removing MIP. When there is a credit balance in the escrow account when a mortgage loan is paid in full and closed, a check for the credit balance is mailed ten (10) calendar days after the mortgage loan is paid in full and closedOn February 12, 2018, we received payoff funds totaling $175,Your mortgage loan was paid in full and closed at that timeWhen the loan was paid in full and closed, there was a credit balance in the escrow account of $4,On February 22, 2018, Fifth Third Bank Official Check number *** for $4,was sentThe check was negotiated by you on March 6, A copy of the check is enclosed. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosures (3): Letter Dated September 28, 2017 Informed Consumer Choice Disclosure Notice Check Copy

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 received a letter from a woman named Sarah from the company stating that it is their policy to withhold deposits made and that they can be held up to days(Mine was held from 7/20/to 8/1/which is days)She did not address the fact that the sales guy Anthony at the bank totally lied about everything to us just to get me to sign up and they are promoting and advertisingShe apologized but basically said there was nothing she could doI have received my money finally on the 1st of August, days after I deposited it, but I am still dealing with all of the problems and all of the debt that arose from having my money withheld at fifth third in the first placeThey would not address the problems my boyfriend had with being lied to about his credit card and about his bank fees for his car loan and said I must file a separate complaint just to get it addressedWe will be doing so, but it is ridiculous the amount of work we have to go through to speak with someoneMy money is going to be deposited directly from my work's bank, so I will be interested to see how they decide to mess with my account this time. Anthony, the sales rep at the location said I would receive a $sign on bonus for signing up as well, but I doubt I will see that, seeing as him and the bank manager were talking about signing another lady up and it not going through because the code or something didn't work. It's just crazy how corrupt this bank is and how they can do all of this.I wanted to close my accounts, but when I spoke with a woman on the phone named Danielle through their customer service, she was rude and could not give me the district manager's name or number of the location I was at and said I could talk to "a supervisor" but it "could be anyone" and that there wasn't one person in chargeI refuse to work with the *** location or their staff anymore after all of this, so I might go in to another fifth third and see if I can close my accounts and talk with the district manager that wayI will be calling back Sarah sometime this week to find out what to do about my boyfriend's accountI am angry and frustrated I opened an account with this bankMy boyfriend has been with them for years, but never had any problems because he never opened any new accounts or dealt with their sales team like AnthonyI don't know if it is just the *** location that is corrupt and I've just had a couple bad experiences, or if Fifth Third Bank as a whole is corrupt
Regards,
*** ***

Fifth Third Bank said that there was nothing they are willing to do to resolve the matter even though it was their ATM that stole my money they are claiming that there is nothing they are willing to doAnd and according to them by federal law there's nothing they have to do I can just chalk it up as a $loss is what they told me plus fees that they charged me for money that they did not give me
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,
*** ***

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,
*** ***

*** *** *** *** *** *** ** *** Date: January 27, 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. 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. 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. Time-stamped debits 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 paidI have enclosed a copy of our current Rules and Regulations for your reviewPages eleven (11) and twelve (12) provide additional information regarding our transaction posting order. On January 13, 2017, the beginning balance in your checking account was $Two (2) web-initiated electronic payments totaling $posted in your accountYour account ended that business day’s overnight processing with a negative balance of ($6.86)Due to insufficient funds for one (1) of the web-initiated payments, we assessed one (1) overdraft fee of $to your account the following business dayPlease note that the web-initiated payments are not time-stamped transactions, so they would not have shown as pending in your account on January 13, 2017, prior to processing at the end of the business day. On January 17, 2017, your beginning day balance was negative ($6.86)Two (2) ATM deposits totaling $posted to your account, four (4) web-initiated payments totaling $42.77, and the overdraft fee of $from the previous business day posted to your accountPlease note that because the overdraft fee was assessed for the previous business day, any deposits made into your account would not have prevented the overdraft fee being assessed to your accountNo additional overdraft fees were assessed for the transactions that posted on that dayYour account had a negative ending balance of ($33.63)On January 18, 2017, an ATM deposit of $brought your account to a positive balanceI have enclosed copies of the overdraft notices we sent to you for your convenience. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides information regarding the fees assessed to your account, Overdraft Protection options, and Overdraft Coverage optionsOur records also show that you declined Overdraft Coverage for ATM and everyday debit card transactions on November 18, This means that if you attempt to authorize your debit card beyond the available balance in your account, your card will be declinedYou have the ability to change your Overdraft Coverage preferences for ATM and everyday debit card transactions by changing your preferences online at 53.com, at any Fifth Third Bank banking center, or by calling customer service at ###-###-####, Monday through Friday, a.mto p.m., and Saturday, 8:30 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 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 feePlease contact customer service or visit any Fifth Third Bank banking center if you would like to update your overdraft preferences. Thank you for your patience while we researched this matter for youWe 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 ###-###-####, Monday through Friday, a.m. to p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Rules and Regulations, Overdraft Notices, Overdraft Solutions Document

*** ** *** *** * *** *** *** *** * *** ** *** Date: October 15, 2015 Account: *** Regarding Your Essential Checking Account Dear *** ** ***: We received a copy of the letter you sent to the Revdex.com regarding
your Essential Checking account ending in ***We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Please note that your account cannot be closed until it is brought to a positive balanceYour request to close your account could not be completed because the balance in your Essential Checking account as of the October 13, 2015, is negative ($56.46)Please deposit into your account as soon as you are able in order to bring the account to a positive balanceIf you still wish to close your account, as stated in your letter, please visit your local Fifth Third Banking Center for assistance. If the account balance remains negative for fifty five (55) days, it may be placed for collection efforts, which could result in negative reporting of the accountAs of October 13, 2015, the account has been overdrawn for eight (8) days. On October 2, 2015, the beginning balance in your checking account was $On October 2, 2015, a debit card purchase of $posted to your accountThe ending balance in your checking account on October 2, 2015, was negative ($4.23)Since the account was overdrawn less than $5.00, no overdraft fees was assessedI have enclosed a copy of the Overdraft Notice that was sent on October 5, 2015, for your review. On October 5, 2015, the beginning balance in your checking account was negative ($4.23)On October 5, 2015, $was transferred from your checking account to your Access debit card ending in On October 5, 2015, the ending balance in your checking account was negative ($8.46)One (1) overdraft fee of $was assessed which posted to your account on October 6, On October 6, 2015, one (1) monthly service charge of $was assessed to the accountOn October 6, 2015, the ending balance in your checking account was negative ($56.46)I have enclosed a copy of the Overdraft Notice that was sent on October 6, 2015, for your review. 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 youWhile we do appreciate your banking relationship with us, we are unable to waive any additional overdraft fees at this timeFor more information regarding the Bank’s policy on account overdrafts, I have enclosed a copy of the Bank’s Rules and Regulations for your reviewPlease refer specifically to page three (3) for additional information about account overdrafts and overdraft coverage. According to our records, you opted into Overdraft Coverage when your account was opened. By opting into Overdraft Coverage, you are authorizing the Bank to pay items that are presented for payment to your checking account, even if the account does have available funds to cover the transactionAccording to our records, none of the accounts you have had at the Bank have had Overdraft ProtectionWe regret if you received inaccurate information regarding Overdraft Protection on your accountsFor your review, I have enclosed a copy of the Overdraft Coverage Enrollment that you signed when the account was opened. I have enclosed a copy of our current Rules and Regulations for your reviewPage twelve (12) provides additional information regarding our overdraft calculation orderOn page eleven (11), paragraph thirteen (13), you will find additional information regarding an account overdraft. For an explanation of the monthly service charge associated with the Essential Checking account, I have enclosed a copy of additional information regarding the Essential Checking accountPlease note that the Essential Checking account has a monthly charge of $This charge can be waived if one (1) or more of the following conditions are met: ? You maintain a combined monthly average balance of $1,across your checking and savings account. ? You are a current or former member of the U.SMilitary with monthly direct deposits totaling $or more. ? You participate in your employer’s Fifth Third banking benefits program with monthly direct deposits totaling $or more. ? You are a student with a valid student ID. *** ***, 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 (5): Overdraft Notices Rules and Regulations Overdraft Coverage Enrollment Form Essential Checking Account Information

Please find below a copy of the written response and (most of the) enclosures being mailed to the customerI couldn't attach the files for the last two (2) credit cards due to attachment size restrictionsThank you.*** *** *** ** *** *** *** * ***, **
*** Date: January 24, 2017 Savings Account: *** Savings Account: *** Credit Card Account: *** Credit Card Account: *** Credit Card Account: *** Regarding Your Debt Validation Request Dear *** ***: Fifth Third Bank has received copies of the complaints you submitted to the Revdex.com and the Consumer Financial Protection Bureau regarding these accountsWe 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. We have completed our review of the payment history reporting on your credit report for these accounts and determined that it is accurateSpecifically, on January 14, 2015, an application for a Secured *** credit card was submitted to the BankThe application was approved, and the account ending in *** was openedThe credit card account was secured by funds held in the savings account ending in ***The credit card was reported lost or stolen on May 19, It was closed and replaced by the credit card ending in ***This account was revoked due to non-payment on March 29, 2016, and funds from the savings account were transferred to pay the account in fullThe savings account ending in *** was closed at a zero (0) balance on June 22, 2016. On June 17, 2015, another application for a Secured *** credit card was submitted to the BankThe application was approved, and the account ending in *** was openedThe credit card account was secured by funds held in the savings account ending in ***Funds from the savings account ending in *** were transferred to pay the account on April 13, After the payment of $2,posted, there was a remaining balance on the card of $The credit card balance was charged off on December 30, The savings account ending in *** was closed at a zero (0) on July 21, 2016. To satisfy your request for validation of these accounts, I have enclosed copies of the credit card and savings account statementsOur research did not find any prior disputes for these accountsBecause you stated that these accounts are not yours, a case was opened with our Dispute Resolutions DepartmentThe case number is ***. While we strive to resolve all investigations as quickly as possible, please allow up to sixty (60) days for the investigation to be completedFinal written confirmation will be sent to you from the Disputes Resolutions Department upon completion of the investigationIn addition, the Bank will submit any necessary updates to the credit bureau reporting agenciesIf you would like to contact our Dispute Resolution Department, they can be reached at ###-###-####, Monday through Friday, a.mto p.m., and Saturday 8:a.mto 5 p.m., ET. 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 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, Alison S.Office of the President Pc: Revdex.com; Consumer Financial Protection Bureau Enclosures: Statements

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. The bank contacted me next day and expressed concern for the experience I hadThey mentioned that they will take necessary steps to use this as a coaching opportunity for the employee involvedDebbie C., the manager of the employee in question, was very understanding of the situation and helped with changing my opinion of the bank going forwardShe was professional and courteous
Regards,
*** ***

*** ** *** *** *** *** *** *** ** *** Date: February 28, 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 document your thoughts and concerns regarding this matterThank you for taking the time to speak with me on February 23, 2017. Your comments expressing less than quality service are very concerningOn behalf of the Bank, I would like to offer my sincere apologies for any inconvenience this matter may have caused youPlease be assured that we have researched this matter thoroughly, and we have 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 November 7, 2016, you agreed to a seventy-five (75) month installment loan with a principal balance of $44,and a maturity date of April 5, Your payment of $is due on the fifth (5th) of every monthEnclosed please find a copy of your installment loan security agreement which details the terms of the loanPlease note that your installment loan is a simple interest loan, with interest accruing daily on unpaid principalWhen we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last paymentThen we apply the remaining funds to the unpaid principal balanceYour payment habits affect the amount of interest you pay over the life of your loanIf payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of your loanBecause less of your payments were applied to the principal balance, there may be a larger final payment due to the additional accrued interest. Please find enclosed a copy of the Agreement to Furnish Insurance Policy dated November 7, As stated on this document, you agreed to furnish the Bank with a copy of your insurance policy within ten (10) daysThe Bank did not receive proof of insurance; therefore, the Bank purchased an insurance policy for your vehicleAs we discussed on February 23, 2017, the Bank contacted your insurance provider and obtained proof of your vehicle insuranceOur research determined the delay was a result of your insurance provider listing GMC as the lien holder and not Fifth Third BankPlease use this letter as verification that the force placed insurance policy has been cancelled. As of February 25, 2017, the Bank has not received your payment due February 5, Your installment loan has a fifteen (15) day grace periodPlease note that the grace period does not change your due date; however, the grace period does allow you fifteen (15) days to make your installment loan payment without any fees being assessed to your installment loanOn February 20, 2017, a $late charge was assessed to your installment loan. Including the late charge, a payment of $is due on your installment loanIf you have mailed this payment, your next payment of $is due on March 5, 2017. 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, Patrick S.Office of the President PC: Revdex.com Enclosure: Security Agreement, Agreement to Furnish Insurance

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
first of all the *** branch knew my mother had altzhiemers and would help her out from time to timeI was on there then as her power of attorney but when I found out they were charging her money for a closed account all of a sudden they can't give me any answers my mother doesn't remember revoking my power of attorney and on 10/14/I get a letter telling me per my request they are sending the bills back to the nursing home and neither my mother nor I authorized itthis stinks of the way the bank did with minorities with the car loans and I 'm wondering how many more senior citizens are they doing this to
Regards,
*** ***

Revdex.com: I would like to say that I am apalled at the way I have been treated as a Fifth Third Bank customer and the way I was treated by MsElizabeth D*** as I would like to ask that the call be pulled and listened to by MsD***, supervisorsI never expected someone in her position to treat me the way she did not only by being condescending but lying to me on a number of occasions with no regard for policy as it relates to her employerMsD*** on several occasions made statements which are completely contradictory to Fifth Third Banks rules and regulations as well as stating simply she will not be crediting my account the amount I am owed by *** *** *** for no reason other than I have filed a complaint concerning this matter with the Revdex.com and the *** *** *** ***As I stated to MsD***, who treated this matter in our conversation not only condescendingly but acted very much as though she did not want to be bothered with this matter and had better things to do, that as it relates to the *** ***, *** I have filed a complaint with both the Revdex.com and the *** *** *** Consumer Fraud Department which they have chosen not to respond to and was closed in my favor as it relates to my concern with the Revdex.com, they have fraudulently over billed my debit card with Fifth Third Bank as that is money that was owed to me by the *** *** motel which MsD*** stated she cannot credit my account that they owe to me because Fifth Third Bank does not involve itself in motel disputes which is an outright lie by MsD*** as Fifth Third Bank does as my account has been credited previously by their bank as it relates to a dispute I had with the *** *** *** just two months previous who in turn also have not responded to my complaint against them with the Revdex.com as well and has also been closed in my favorIn my conversation with MsD***, which I am asking for her supervisors to pull the call and listen to our conversation, please, she also stated to me that Fifth Third Bank does not provide credit to their customers concerning fraudulent transactions as it relates to restaurants as well which again is another lie stated to me by, MsD***It appears from my conversation with MsElizabeth D***, Fifth Third Bank encourages its staff to lie to their customers as long as it benefits their bank as well as treating customers disrespectfully and subjectively if they address their concern(s) with the Revdex.com as it is obvious my account would be credited appropriately just like it was by Fifth Third Bank as it relates to the fraudulent transaction that occurred recently with the *** *** *** and are refusing to do so concerning my transaction with the *** *** *** as it is the same exact set of circumstancesI feel it is terrible for a bank such as Fifth Third or any other thrift institution to treat someone this way espescially someone who is legally disabled and in a wheel chair.
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,
*** ***

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 complaintI called them in January may June July of this yearThe only reason one is reporting is that I calledI was told by one of their people that as of April it had been unreported for too longIf they would have taken care of this correctly, or even the first time I called it would be handled by nowThis is their error and they are telling me I need to fix it and that is unacceptableTheir inaction is crippling two of my credit scores making it very difficult if not impossible to refinance my home loan at a very reduced interest
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. For your reference, details of the offer I reviewed appear below
They have only been in contact with me bc I keep calling themI’ve been waiting now a week for a call back regarding the location of the wireI see that they marked the placement for a line, howerever they have placed a mark next to my water pump, I’m on well water and do not find it suitable to do on or next to a well pumpAlso this doesn’t address the issue of them constantly changing dates without notifying me and the fact I have had very poor internet service for the past yrs.
Regards,
*** ***

*** *** ** ** *** *** *** *** *** ** *** Date: June 25, Account: *** Regarding Your Business Debit *** and Checking Account Dear *** ***: We received a copy of your complaint recently filed with the Revdex.comWe
appreciate the time you have taken to document your thoughts and concerns regarding this matterThe dispute you reference in this complaint with the Revdex.com is for a charge in the amount of $1,The purchase was made with a company called *** on April 15, You filed a dispute for this purchase on May 14, 2015, and the case number is ***The dispute is also a merchandise based dispute and can take up to days for our dispute Department to conduct their investigation and make a final decisionShould 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, you may contact *** *** ***, Disputes Servicing Specialist, at ###-###-####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., ETSincerely, *** *** Office of the PresidentPc: Revdex.com

*** ** ***
*** *** *** ***
*** ** *** Date: December 4, 2015 Account: *** Regarding Your Platinum *** Account Dear *** ** ***: We received a copy of your complaint filed with the Revdex.com (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 November 13, 2015, you sent a message to the Bank using the Message Center via our website at 53.comIn your message to the Bank, you stated that you did not recognize the $transaction dated November 3, 2015, with a reference number of ***We sent a message back to you using the Message Center the next business day on November 16, 2015. In our message to you, we explained that the transaction was for the merchant *** *** * *** and that the company is listed under the merchant category of “***, *** *** *** *** *** ***.” We also advised in our message that if you needed to dispute the transaction, to call our Dispute Department at ###-###-####Please be advised that messages sent to customers via the Message Center are available only by logging into Online Banking via our website at 53.comOnce you have logged in, you can click the link near the top of the screen that says “Messages.” The messages are not sent to the customer’s email address. We reviewed our systems and determined that you did not contact the Dispute Department regarding the transactionsAdditionally, we were unable to locate any telephone calls to the Customer Service Department regarding your accountPlease contact our Dispute Department at ###-###-#### regarding the transaction in questionThe Dispute Department is available to assist you Monday through Friday from a.mto p.m., ET, and on Saturday from 8:a.mto p.m., ETA Dispute Department representative may be able to help you recognize the transactionHowever, if you determine that the transaction was unauthorized and is fraudulent, then the Dispute Department representative can dispute the transaction for 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

*** *** *** ** *** *** *** * *** ** *** Date: February 19, 2016 Account: *** Regarding Your Checking Account Dear *** ***: We received a copy of your additional rebuttal filed with the Revdex.com regarding your recent ATM (Automated Teller Machine) depositWe appreciate the additional time you have taken to express your concerns regarding this matterPlease be assured that we have previously contacted the relevant parties to fully research this matter and passed on your concerns. Your comments are very concerningOn behalf of the Bank, I would like to offer my sincere apologies for the inconvenience this matter has caused youWe strive to provide professional and accurate service, and we regret if the service you have received did not meet the same high standardsEveryone at the Bank takes protecting our customers’ personal and financial information very seriously. I would like to apologize for the manner in which this situation was handledAs a valued customer, I sincerely hope that you will allow us to continue to service your financial needs for many years to comeAt Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customersPlease be assured that we sincerely value your feedback as it assists us in delivering first class customer service which is a priority to usIt is feedback like yours that helps in identifying problems to improve the level of service we provide to our customers. However, we are unable to share with you the details concerning our investigation into the dispute filed for your ATM depositAfter further review into this matter, the decision was made to credit your account $on February 3, This adjustment to your account provided the full credit for your original ATM depositWe regret the frustration you have been caused but we hope you are satisfied with the resolution. We appreciate your patience while we reviewed your additional concernsYou are a valued customer and we appreciate the opportunity to further review this matterIf I may be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com

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 have not received any refund settlement check as of to date. I will not accept the response until 1) the refund check has been received and 2) it clears their bank. I dispute them posting my check on the 6th when there is documented proof from the Post Office Tracking System that it was received and signed for on the 1st. This is why I overnited the check certified This is another excuse for them to continue to add interest. All I want now is the refund check in my hand and clear separation from this bank

Yes they won't work with me on payment plan They want whole amount or disconnect meI'm hoping too at least get late fee knocked off

*** ** *** *** *** *** ** ***Date: July 23, Account: ***Regarding Your Installment LoanDear *** ** *** ***:We received a copy of your complaint filed with the Revdex.com, regarding your installment loan accountWe appreciate the time you
have taken to document your thoughts and concerns regarding this matter.Your comments expressing less than quality service are very concerningOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youPlease be assured that I have contacted the relevant parties to express your dissatisfaction with the service you received from our Collection Department and passed on your concernsWe strive to provide professional and accurate service to our customers, and we regret if that has not been your experience.On July 18, 2009, your installment loan was opened with the BankYour signed security agreement states that the loan term is seventy-two (72) months and the first payment in the amount of $was due on September 15, As a result, the maturity date for your loan is August 15, 2015.Our records do not indicate that a prior hardship assistance letter was on file for your installment loanHowever, we sympathize with the personal difficulties you have encountered and have reviewed your account for available hardship optionsAs a result, we are happy to offer you a deferred payment plan for the installment loanDetails of the deferment agreement are as follows:The unpaid principal balance for installment loan is $The unpaid principal balance does not include lender placed insurance, if applicable.Your next monthly installment loan payment under this agreement will be due on August 15, 2015.This transaction includes the deferment of two (2) monthly payment installments totaling $This amount includes your June and July payments.There is a fee for this transaction in the amount of $55.00.In addition, late fees totaling $will be waived for your installment loanIt is our understanding that a Loss Mitigation Supervisor has contacted you regarding the deferment and a copy of the agreement has been sent to the email address you provided.*** *** *** 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