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
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 included documentation and a statement letter detailing the issuesThe lack of communication from Fifth Third Bank and the discrepancy of the online account history and the mailed copy of the account history is troublingI checked the online account history which showed the vehicle paid for on February 5th which is the only reason why I let the purchaser have the vehicleThe online copy shows the payments reversed the 8th of FebruaryThe mailed copy showed the payments were reversed Feb 3rd and 4th the same day the payments were madeThey payments came from the purchasers account, not mineAll of the documentation showing the lien satisfaction and title mailed out has put myself in a bindNot being able to speak WITH ANYONE except a customer service person is very frustratingI have asked for phone number or email to a person to speak with at the office of the president at Fifth Third Bank only to be told NOThe only way to contact someone there is via USPSUnacceptable.
Regards,
*** ***

*** ** *** *** *** *** *** *** ** *** Date: January 31, 2018 Account: *** Regarding Your Installment Loan Dear *** ** ***: We received a copy of the additional complaint you filed with the Revdex.com concerning your Installment LoanWe 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 if we did not meet your expectations. Please find enclosed a copy of the letter mailed to you on January 22, 2018, as well as a copy the Notice of Electronic Title Lien ReleaseThe original Notice of Electronic Lien Release was mailed to you on November 9, 2017, and provided instructions for obtaining a paper title if you wish to do soHowever, as stated in the previous response, the electronic title is stored within databases maintained by the *** Department of Highway Safety & Motor VehiclesAs a result, the Bank does not have a copy of the title to mail to you, as a paper title will only be generated at your requestWe regret any inconvenience this may cause you. 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, Jennifer M.Office of the President Pc: Revdex.com Enclosures: Letter Dated January 22, 2018, Notice of Electronic Title Lien Release

*** *** *** *** *** ** ** *** ** *** Date: July 18, 2017 Account: *** Regarding Your Checking Account Dear *** *** ***: We received a copy of the rebuttal you submitted to the Revdex.com (Revdex.com) regarding your Fifth Third Bank checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matterI am sorry that you feel our previous response did not address all of your concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youHowever, we stand by the response conveyed to you in our previous letter dated July 6, I have enclosed a copy of that letter for your reviewOur position on this matter has not changed. As we previously stated, you were made aware of the dormant status on your August statementA copy of this statement was enclosed with the letter we mailed to you on July 6, I apologize that it was not attached to the Revdex.com’s website when we submitted our response. Please note that Fifth Third Bank does not have a “student checking account.” Your account ending in *** was an Essential Checking accountWhile there is no specific student account, if you are a student with a valid student ID, there is no monthly service charge assessed to your accountYour student status does not prevent you from receiving additional fees as outlined in our Rules and Regulations. Thank you for your patience while we conducted our additional researchIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

The escrow account shortage has been spread over thirty-three (33) months and now goes into effect with the March 1, 2017, payment. Please find below the text of the letter and enclosure being mailed to the customerThank you.*** *** *** *** *** *** **
*** Date: February 27, 2017 Account: *** Regarding Your Mortgage Loan Dear *** ***: Thank you for contacting the Bank concerning your mortgageWe also received copies of the complaints you filed with the Ohio Department of Commerce and the Revdex.comOn 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 Bank. The Federal Real Estate Settlement Procedures Act (RESPA) establishes escrow account guidelines, including how the Bank must calculate and disclose payments from the account, and limits on the amount of cushion we are permitted to collect for your accountRESPA also requires all mortgage servicers to conduct an annual analysis of escrow accounts. As a part of that analysis, we are required to project anticipated payments from your account for taxes and insuranceIf this analysis determines an anticipated surplus, RESPA requires us to refund any surplus amount over $for a non-delinquent accountIf the analysis determines an anticipated shortage, RESPA allows the Bank to collect the shortage in a lump sum within thirty (30) days or spread the shortage amount over future payments. When the escrow account was reviewed on January 30, 2017, it was determined that there was a shortage of $3,Dividing the shortage amount out over twelve (12) months increased your monthly mortgage payment to $1,effective with the March 1, 2017, paymentAt your request, the escrow shortage was spread over thirty-three (33) months, which is the longest period allowed by the owner of your mortgageThis adjustment occurred on February 10, 2017, and the revised payment amount of $was scheduled to take effect with the April 1, payment instead of MarchThis was not done to cause you any hardshipThe effective date was automatically chosen based on the date of the escrow adjustmentThis is also why the system still showed the March payment amount of $1,due. As we discussed, the escrow account shortage has been spread over thirty-three (33) months and now goes into effect with the March 1, 2017, paymentThe payment due March 1, 2017, is $I have enclosed a copy of the Escrow Analysis Statement dated February 13, It replaces the previous versions we sent to you. Part of the reason for the shortage is that two (2) homeowner’s insurance premiums were paid in On March 16, 2016, we paid $to *** *** *** ***On April 4, 2016, we were billed and paid $2,to *** *** ***I have enclosed a copy of the notice sent to you dated April 6, 2016, acknowledging the change in insurance companies and informing you that two (2) premiums were paidUnless your insurance carrier changes, only one (1) insurance premium will be paid going forwardWe anticipate paying $to *** *** *** *** in April of 2017. Because you expressed interest in cancelling your escrow account, I have enclosed a copy of the Consumer Choice Disclosure Notice from your loan fileAs a condition of your mortgage loan, you are required to pay monthly FHA Mortgage Insurance Premiums until your loan to value ratio (LTV) reaches 78% of the initial sales price or appraised value of your home, whichever is lower, provided that the premiums have been paid for at least five (5) yearsYou reach 78% LTV in one (1) of three (3) ways: through amortization as you make monthly payments, by paying additional funds towards the principal balance on your mortgage loan, or by your home’s value increasingAs long as you are current on your mortgage loan payments, you can submit a written request to cancel FHA Insurance after the principal balance reaches 78% LTVYour current LTV is 97.20%Because FHA Insurance is paid from your escrow account, the escrow account cannot be cancelled until you qualify to cancel the FHA Insurance itself. I also researched the late fees on your loanThe due date for mortgage payments is the first (1st) of every monthThere is a fifteen (15) day grace period, with a late charge assessed if the payment is not received prior to the end of the grace periodThere is a balance of $in unpaid late fees charged to the account since November of The late fee balance was mostly paid in February, but then that payment was reversed from the account, which left the fees unpaidA request to have one (1) late fee of $was done, but it was not completed due to the past due status of the accountThis is a system limitationI will ensure that the late fee is waived once the loan has been paid currentI have enclosed a payment history for your convenience. Your loan is due for the February payment of $and the March payment of $930.45. I apologize for your frustration while we worked to adjust your escrow accountWe appreciate your patience while we researched 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: Ohio Department of Commerce; Revdex.com Enclosures: Escrow Analysis; Insurance Notice; Informed Consumer Choice Disclosure Notice; Payment history

They keep insisting on treating it a lot checking account which it a special account that set set up special thru social security and is not subject to monthly charges since I had with them since just recently I just became my own payee is only difference other that accounts where set the same way

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 not, to this date, received a letter or anything from 53rd Bank after I paid off the loan. I did receive a phone call after I filed my complaint and was told they would send me a letter. My complaint is I did not receive a title from 53rd Bank after I paid off the loan. The 53rd Bank states in the letter I live in a state where there is electronic filing. This tells me they had the choice of sending the title to me or not. I feel because I paid the loan off within a month and they made nothing off it, their choice was to have me pay for my title in order to receive it. I know for sure they could have sent it to me. I paid off another car loan the year before and received a title from the bank. Also I had to call them many times and file a compliant to hear over the phone and see the letter sent to you before receiving any information regarding my title. Why didn't they send me a letter or anything of that matter to let me know what I needed to do in order to get the title to my car?
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.
Has there been any checking into why when my information was sent initially to the underwriters there was NO MENTION of the non-conforming property? If so, why was I not notified until it was sent back for a price adjustment for the 2nd review? These are still the same request of information the bank has not providedAnd if you are claiming to find no error on your end then did the loan officer fail to tell me this? I find it very unfair and unethical these processesI would not have spent money on a home inspection on a property if I would have know it had been deemed non conformingThe bank has been heinous to me and at no point has the agency tried to rectify the issuePlease reverse the charges of funds deducted from my accountAnd verify the inquires on my credit reportI have checked via the credit bureau and they are still showing and have lowered my score
You can contact me directly if needed###-###-#### Thank You Otherwise I will continue to reject these responses
Regards,
*** ***

*** ** *** *** * *** *** *** ** *** Date: May 12, 2016 Account: *** Regarding Your Business Standard Checking Account Dear *** ** ***: We received a copy of the letter you sent to the Revdex.com regarding your
Business Standard 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 or frustration this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. According to our records, on March 28, 2016, an online bill payment in the amount of $and payable to *** ***, was initiated by you to be paid from your Business Standard Checking account ending in ***The effective date of the payment, which is date that the payment would actually be paid from the account, was April 1, On March 30, 2016, the account was closed per your requestWhile a bill payment cannot be made from a closed account, in this case the payment was made because the payment was initiated before the account was closedSince the account was closed with a zero balance when the payment was made by the Bank, the Bank needed to be reimbursed by you for the amount of the bill that the Bank paid. When you previously contacted the about regarding this matter, you requested that the payment be made from your Fifth Third Essential Checking account ending in ***Therefore, on May 9, 2016, the Bank debited your checking account ending in ***, in the amount of $211.88. For your convenience, I have enclosed a copy of our Digital Services User AgreementBeginning on page six (6) through page eight (8), you’ll find additional information pertaining to our bill payment servicesHowever, it is important to note that, when closing an account it is important to ensure that there are no outstanding checks or pending payments, and that you have cancelled all direct deposits and pre-authorized debitsThis will help prevent this type of issue from occurring in the future. Although we certainly sympathize with the issue you experienced, we are unable to send free cashier’s checks to youHowever, we did confirm that you now have access to our online bill payment service. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosure: Digital Services User Agreement

Because I didn’t receive the correct information when I was calling into the company and the letter was send out after I was calling I just now received one of the letters , and it has been over a month

*** *** *** * *** *** *** ** *** Date: March 21, 2016 Account: *** Regarding Your Mortgage Loan Dear *** ***: We received a copy of the additional complaint you filed with the Revdex.com concerning your mortgage loan. We appreciate the opportunity to respond to this matter, and apologize if our first response didn’t address all of your concerns. As we mentioned in our previous response, the payments were adjusted and there will be no delinquent reporting sent to the credit reporting agenciesFor additional clarification, the payments were previously reported as delinquentHowever, when we received your original complaint on February 10, 2016, a dispute code was placed on your credit reportingIn addition, the reporting was ceased for sixty (60) days to allow time for the adjustments to correct the credit reporting. Although our systems will report the correct information through the reporting process, we have also submitted an update to the credit reporting agencies to remove any delinquent reporting from November through March 2016. Please allow approximately thirty (30) days for the credit bureau agencies to update their reportingIf you should apply for credit in the meantime, please use this letter as proof that Fifth Third has corrected the reporting. If you would like to contact the credit bureaus directly, the contact information can be found below: *** ###-###-#### *** ###-###-#### *** ###-###-#### *** ###-###-#### 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

*** ** *** *** *** *** *** *** ** *** Date: September 9, 2015 Account: *** Regarding Your Checking Account Dear *** ** ***: We received a copy of your rebuttal filed with the Revdex.com concerning your checking account with Fifth Third BankWe appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused youHowever, we stand by our previous response letter sent to the above address on September 2, I have enclosed a copy of our previous written response for your reviewOur position on this matter has not changed. We strive to provide professional and accurate service to our customers, and we sympathize with any difficulties you encountered regarding your accountIf I may be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.mET. Sincerely, Lisa S. Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosure: Previous Response

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 am upset that it took phone calls, emails, letters, and filing a complaint to get my moneyThe bank should have investigated this matter in the first place instead of just saying they didEven after my initial contact, an investigation was again done and denied and I had to make yet another phone callTwo weeks after my complaint was filed, they finally determined they made a mistakeNo rush was put on this, and no apology from the bank presidentTheir customer service is horrible, and I am closing the account

*** *** ***
*** *** ** **
*** ** *** Date: April 21, 2016 Account: *** Regarding Your Mortgage Loan Dear *** *** ***: We received a copy of the follow up letter you sent to the Revdex.com, regarding your mortgage loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. According to our records, the total amount due on your loan at this time is $48,Please be aware however, that the actual amount needed to pay off the loan may not be $48,918.30. To obtain the most accurate amount needed to pay off the loan, you would need to request a mortgage loan payoff statementA mortgage loan payoff statement is not included with this letter because, before ordering the loan payoff, I want to be sure you are aware that there is a fee of $for a mortgage loan payoff statementIf you would like a mortgage loan payoff statement, please contact our Customer Service Department at ###-###-####, Monday through Friday, a.mto p.m., ET. I am not certain what you mean when you ask in what category the property is classified by the BankIf you still have questions regarding the loan after you review this letter, you can send any additional correspondence to the address listed below: Fifth Third Bank Office of the President Attn: Adam PKingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can call me directly at the telephone number provided in this letter. The Bank has decided not to foreclose on the property because there is insufficient equity in the propertyInstead of foreclosing on the property, the Bank charged off the account and placed the account for collection effortsThe account was charged off on December 28, 2012. Please note that, although the Bank does offer lending products which are not secured by collateral, your loan was secured by the property located at ** *** *** ** ***
*** *** ***. The Bank will continue its efforts to collect the amount that is still owed on the loanThe Bank is not taking any other action aside from its efforts to collect the amount that is still owed on the loan. As was previously communicated to you in my letter dated March 29, 2016, for information regarding the tax sale of the property, you will need to contact the county auditor for Port *** CountyThe Bank does not have any additional information to provide regarding the tax sale of the property because we did not initiate this action. 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

*** *** *** * *** ** *** ** *** Date: December 19, 2016 Account: *** Regarding Your Auto Loan Dear *** ***: We received a copy of the complaint you submitted to the Revdex.com auto loanWe appreciate the time you have
taken to document your thoughts and concerns regarding this matterI also want to thank you for taking the time to speak with me on December 13, 2016. 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. Based on our review of your auto loan ending in ***, we determined that your October payments were applied correctlyAs of October 8, 2016, your auto loan was past due for your September 2016 paymentThe last payment we received was a payment of $on July 28, 2016, which satisfied your August paymentBecause your September payment was not received before the end of your grace period, we assessed a late charge of $on October 8, On October 14, 2016, we received your payment of $which satisfied your September payment, and on October 17, 2016, we received your payment of $which satisfied your October payment. In order to help you better understand the payments that posted to your auto loan and which months they satisfied, I have created the table below that details your complete loan history: Date Description Amount Payment Satisfied 06/13/Loan Funding $30,N/A 06/13/Fee Payment $N/A 08/05/Payment $07/28/15 09/07/Late Fee Assessed $N/A 08/28/& 09/11/Payment $1,117.32 09/28/15 11/03/Payment $10/28/15 12/08/Late Fee Assessed $N/A 11/28/& 12/16/Payment $1,066.53 12/28/15 01/28/Payment $01/28/16 02/26/Payment $02/28/16 03/28/Payment $03/28/16 05/08/Late Fee Assessed $N/A 05/11/Payment $04/28/16 05/27/Payment $N/A 06/07/Late Fee Assessed $N/A 06/08/Late Fee Waived $N/A 06/10/Payment $05/28/16 06/27/Payment $N/A 06/28/Payment $06/28/16 07/27/Payment $N/A 07/27/Payment $07/28/16 07/28/Payment $08/28/16 10/08/Late Fee Assessed $N/A 10/09/Late Fee Waived $N/A 10/14/Payment $09/28/16 10/17/Payment $10/28/16 12/08/Late Fee Assessed $N/A 12/13/Payment $11/28/16 It was certainly not our intention to cause you any hardshipAs I informed you during our telephone conversation, we waived one (1) late fee of $This is reflected in the loan history above as the fee waiver with the effective date of October 9, As of December 16, 2016, your auto loan is due for a payment of $on December 28, 2016. You also mentioned that you have been trying to enroll in Auto BillPayerA review of our records shows that as of December 16, 2016, Auto BillPayer is waiting on your completed enrollment formYou had informed me that a new form was being sent to you; however, I have enclosed a copy of the form in case you have not received itIf you have any questions regarding your Auto BillPayer enrollment, please contact Auto BillPayer at ###-###-####, Monday through Friday, a.mto p.m., ET. 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 6 p.m., ET. Sincerely, Elizabeth D. Office of the President Pc: Revdex.com Enclosure: Auto BillPayer Enrollment Form

*** *** ** *** *** *** *** *** *** ** *** Date: December 21, 2017 Account: *** Regarding Your Professional Credit Card Account Dear *** *** ** ***: We received a copy of the complaint you filed with the Revdex.com
concerning your credit bureau reportingI also appreciated the recent opportunity to speak with youWe appreciate the time you have taken to bring this matter to our attention and in giving us the opportunity to respond to your concerns. We have completed our review of the information being reported to the credit reporting agencies for this account and determined that it was not correctYou enrolled in a hardship repayment plan in June of After completing the plan consisting of three (3) reduced payments, this credit card account should have been re-aged to reflect as currentWe have already taken the necessary actions to correct this reportingWe submitted an update to the four (4) credit reporting agencies to remove the late payment reporting beginning with the September payment. Please allow approximately thirty (30) days for the credit bureau agencies to update their reportingIf you apply for credit in the next ninety (90) days, be sure to use this letter as proof that Fifth Third has submitted a correction requestIf you would like to contact the credit reporting agencies directly, their contact information can be found below: *** ###-###-#### *** ###-###-#### *** ###-###-#### *** ###-###-#### We appreciate your patience as we researched your concerns, and apologize for any inconvenience this matter 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

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
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

*** *** *** *** *** *** *** ** *** Date: February 14, 2017 Account: *** Regarding Your Fifth Third Bank Installment Loan Dear *** *** ***: We received a copy of the complaint you filed with the Revdex.comI
also appreciated the opportunity to speak with youWe appreciate the time you have taken to communicate your thoughts and concernsOn 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 your concerns on to the relevant parties within the Bank. Your installment loan is considered past due for payment if we do not receive your total monthly payment by the due date indicated on your contractThere is a ten (10) day grace period on the account, with a late charge assessed if the payment is not received prior to the end of the grace periodShould your loan become past due, your account may also be subject to derogatory credit bureau reporting and we may attempt to repossess your vehicleOur Collection Department will attempt to reach you via the telephone numbers we have on file for you to inform you of the delinquency and to make payment arrangements. Your loan originated September 26, 2016, with the first (1st) payment of $due November 10, You made a telephone payment for the November paymentHowever, it failed due to an incorrect routing number provided for your ** *** checking accountA repossession notice was sent to you December 10, 2016, at the address on file indicating that if the loan was not paid current by January 8, 2017, we may exercise our rights to repossess the vehicleYou spoke with a collection agent on December 14, 2016, and stated that you would call back to make a payment on December 16, 2016. On December 21, 2016, you made a payment of $with the Collection Department for the November payment and associated late feeYou also scheduled a payment for $for the December paymentBoth of these payments failed due to stop payment orders on file with ** ***When we spoke, you indicated that there was an old stop payment order on file with ** *** and you had subsequently removed it after the payments failed. The vehicle was referred for repossession on January 12, At that time, the loan was due for the November, December, and January paymentsCollection calls continued to be made in an attempt to make a payment arrangement with youYou spoke with a Collections agent on January 16, 2017, and were advised that either a wire transfer payment or a *** *** payment was required to prevent the vehicle from being repossessed. The documentation you faxed to me shows that you scheduled a payment online with ** *** for $to be sent to Fifth Third BankYou used the correct account number for an incoming wire transfer to Fifth Third Bank, however, the payment failed because it was not actually a wire transfer** *** debited the funds from your account on January 17, 2017, to send the paymentThe payment was credited back to your account on January 24, I have confirmed with our Wire Transfer Department that Fifth Third did not receive, or reject, the fundsSo, ** *** returned the funds to your account after they were unsuccessful in sending the payment to Fifth Third Bank. The vehicle was repossessed on January 22, On January 23, 2017, you spoke with the Collection DepartmentThey placed a hold on the vehicle so that it would not be sold to allow additional time for your payment to be receivedYou sent a *** *** payment on January 25, 2017, for $The Collection Department called *** *** on January 25, 2017, to verify the payment had been sent, but *** *** could not confirm itThe Bank obtained confirmation from *** *** on January 27, 2017, and were told that the payment was scheduled for “next day” delivery, instead of “urgent, or same day” delivery, which is why it could not be verified earlierThe Bank approved the vehicle’s release on January 27, 2017, and I understand you have already picked up your vehicle. In accordance with the loan note, the borrower is responsible for any fees related to repossession efforts, whether or not the vehicle is located and picked upYour payment on January 25, 2017, would not have prevented a repossession fee from being assessed to the loan, because repossession efforts were already in progressAfter a thorough review of your concerns related to the repossession of your vehicle, the Bank is unwilling to waive the repossession fee that will be charged to your loan. The repossession fee can take up to three (3) months to post to the loanIt is posted to the loan after the Bank has paid the venderAs a courtesy to you, I have waived the three (3) late fees charged to the loan totaling $35.88. I would also like to make you aware of the other ways you can make your loan payment: ** After calling our toll-free number, ###-###-####, choose the ‘#’ keyThen enter the full loan number and the last four (4) digits of your social security numberOption will allow you to make a paymentFees for this service vary by state. ** You can make a loan payment from a non-Fifth Third checking or savings account through our website, 53.comThis service is freeAfter setting up a user ID and password, you click on the “Pay Now” button and follow the prompts. ** We also offer our Auto BillPayer serviceIt is a free service that automatically deducts payments from your checking account each month on the due date or any date within the grace periodThis avoids the fee associated with phone payments and eliminates the need to mail your paymentsIf you are interested in signing up for Auto BillPayer, please contact them directly at ###-###-####. ** Checks should be made payable to Fifth Third Bank and sent to the following address: Fifth Third Bank P.OBox 630778 Cincinnati, OH 45263-0778 It is not our intention to cause you any hardship and I apologize for the inconvenience this matter caused youYou 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

*** ** *** *** ** *** ***
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*** *** ** *** Date: June 24, 2016 Account: *** Regarding Your Installment Loan Dear *** ** ***: We received a copy of the rebuttal complaint you filed with the Revdex.com, regarding the information provided to the credit reporting agencies for your installment loan accountWe appreciate the additional 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 youWe strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. As stated in our previous correspondence, your installment loan was opened with a principal balance of $15,on May 5, The sale contract for your account states that the loan term is seventy-five (75) months and the first monthly payment of $was due on August 3, As a result, the maturity date for your installment loan was October 3, 2012. On May 31, 2010, your installment loan was charged off for collectionAt that time, the principal balance on the account was $8,Please be aware that interest and fees may continue to be billed to an installment loan after the charge off dateAs of June 22, 2016, the payoff for your account is $13,327.93, with a daily interest charge of $A breakdown for this amount is as follows: ** $8,Principal balance ** $4,Interest and fees In order to make payment arrangements or discuss a possible settlement offer for your installment loan, please contact our Recovery Department at ###-###-####Representatives are available to assist you Monday through Friday, from a.mto p.m., ET. We have completed our review of the balance information submitted to the credit reporting agencies for your charged off installment loanOur review determined that the account balance information provided to the credit reporting agencies is accurateWe are required to report accurate information to the credit reporting agencies and we are unable to change our reporting unless it directly relates to a bank errorTherefore, we are not willing to adjust the balance information reported and we stand by our prior response. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ** Equifax ###-###-#### ** Experian ###-###-#### ** TransUnion ###-###-#### ** Innovis ###-###-#### *** *** please be assured that it was not our intention to cause you any hardship or frustrationIf I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, a.mto p.m., ET. Sincerely, Danielle S.Office of the President PC: Revdex.com

I been having a car loan thru them for year and when I reach my maturity date on July my balance should be but I get a phone call from theme saying I owe and of them are late fee and I never been late every month I always go to the branch next to my house to make a payment before the
grass period some how they always manage to take the money after the grass period