PROCORPSA

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. However, I suggest making the terms more clear during the loan process
Regards,
*** ***

November 14, 2017*** ***Revdex.comHoliday Drive, Suite 220Pittsburgh, PA 15220Re: Your reference: *** *** * *** *** ***Dear Mr***:We are in receipt of your letter dated October 31, 2017, regarding the informal complaint filed by *** ***We have had the
opportunity to investigate this Complaint and offer the following information.Armstrong empathizes with Mr***’s frustration regarding his internet issuesArmstrong dispatched a service technician to Mr***’s residence on four separate occasions in October to attempt to resolve the problemOn October 27, 2017, Mr*** verified that his service was restoredAt that time, Armstrong offered to credit Mr***’s account for three months of internet service due to the inconveniences he experiencedMr*** declined our offer.On November 2, 2017, Mr*** contacted Armstrong again regarding the same internet issuesAt Mr***’s request, Armstrong sent the same technician who previously resolved the issue to his residence on November 7, Armstrong contacted Mr*** on November 9, to confirm his service is restored and to discuss credits to his account for the inconveniences he experiencedArmstrong is crediting Mr***’s account for $and awaiting approval on applying a promotional rate for monthsThis promotional rate will save Mr*** $per month during that periodMr*** was satisfied with this outcome, and Armstrong considers this matter closed.Armstrong encourages Mr*** to contact our Customer Service Center if he has any additional issues with his serviceThank you for your attention to this matterPlease feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Teamcc: *** ***

*** ** *** *** *** ** *** ** *** Date: August 4, 2016 Account: *** Regarding Your Transaction Dispute Dear *** ** ***: We received a copy of the complaint you submitted to the Revdex.com regarding your transaction
disputeWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. On February 22, 2016, you contacted the Bank to dispute the following charges that posted to your checking account that same day: $from *** and $from ***After a dispute case was opened, we posted two (2) provisional credits of $and $to your checking account ending in *** on February 25, If the findings of our investigation determined the charges were valid, the provisional credits would become permanent, and if the findings of our investigation determined that the charges were valid, the provisional credits would be reversed from your accountPlease note that these types of disputes can take up to ninety (90) days for resolution. During our investigation, we received documentation from both merchants indicating that you did not cancel the memberships before the end of the fourteen (14) day trial periodsTherefore, the charges were assessed to you on February 19, Based on the documentation we received from the merchants, we declined your disputes and reversed the provisional credits of $and $89.95 from your checking account on May 19, That same day, we sent a letter to you informing you of our decisionI have enclosed copies of the documentation we received from the merchants during the course of our investigation. On May 23, 2016, we received the additional documentation that you sent to us regarding your disputeThe documentation you provided shows that you cancelled the memberships on February 22, 2016, which was after the charges were assessed at the end of the trial periodBased on this documentation, our decision did not change, and no additional letter was sent to you after the letter dated May 19, I am sorry for any misinformation you may have received. It was certainly not our intention to cause you any hardshipHowever, we have determined that the charges are validTherefore, we are unable to refund the provisional credits to youI am sorry for any frustration this may cause you. Thank you for your patience while we conducted our 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 Enclosures: Merchant Documentation

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: September 14, 2016 Account: *** Regarding Your Fifth Third Bank Essential Checking Account Dear *** and *** ***: We received a copy of the complaint you filed
with the Revdex.com and the *** *** *** *** regarding your Essential 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 fullyI 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 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 authorized. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. Fees and service charges Debit card and Automated Teller Machine (ATM) transactions are time-stamped debits and are pre-authorized at the time of use, and will show as pending until they are postedBecause time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorizedChecks and electronic Automated Clearing House (ACH) payments are batch debits that are not pre-authorized by usThese transactions do not include a time-stamp and will not show as pending during the dayChecks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized to be paid. I have enclosed a copy of our current Rules and Regulations for your reviewPage twelve (12) provides additional information regarding our overdraft calculation orderWe recommend that customers keep a ledger to track all transactions, including checks they have written, so that they can know if there are items that have not posted and can plan accordingly. An overdraft occurs when you do not have sufficient funds in your account to cover a transactionFifth Third Bank checking account customers have the ability to enroll in our two (2) overdraft related services, Overdraft Protection and Overdraft CoverageOverdraft Coverage allows a customer to access funds beyond the balance in their accountEffective June 11, 2010, per federal regulations, customers have the ability to oor opt-out of Overdraft Coverage for one-time debit card and ATM transactionsIf a customer opts-out, the card will automatically decline if there are insufficient fundsHowever, if a customer opto Overdraft Coverage and allows their debit card to be approved beyond the balance in their account then overdraft fees may be assessedOur research determined you have declined Overdraft Coverage. Overdraft Coverage does not apply to checks and ACH paymentsIf a check or ACH payment is presented against your account with insufficient funds, the item may be assessed an overdraft fee, or returned and charged a $returned item feeOverdraft Protection is a service which links another deposit account or credit card to your checking accountIf you had insufficient funds in your checking account, and the available funds were in the linked deposit account or credit card, the funds would be automatically transferred from the deposit account to your primary checking accountPlease find enclosed a copy of your checking account statements dated June 10, 2016, through August 11, In addition we have enclosed a copy of the activity in your checking account since your last statement cut on August 11, Enclosed for your convenience are the overdraft notices mailed to you since June 6, Please use the enclosed documents as verification there was no Bank error in the order your transactions have posted to your account. After receiving your complaint, we reviewed the overdraft fees that have been assessed to your checking account and also the amount that have been reversed back into your checking accountOur research determined that $in overdraft fees were reversed within the Bank’s overdraft guidelinesOur research was unable to uncover a bank error resulting in your checking account being assessed overdraft feesTherefore, the Bank is unwilling to reverse the remaining overdraft fees on your checking account. Our research determined that you contacted the Dispute Resolution Department on September 7, 2016, and requested a hold be placed on your accountPlease note a hold has been placed on your account; however, you did not file a dispute of unauthorized transactionsAfter reviewing the enclosed documents, please contact our Dispute Resolution Department to open an investigation on your fraud claimsA representative can be reached at ###-###-####, Monday through Friday, a.mto p.m.; Saturday, 8:30 a.mto p.m., ETUpon completion of the investigation, the Dispute Resolution Department will inform you of the findings of their investigationIf the charges are found to be unauthorized, the Dispute Resolution Department will reverse the overdraft fees caused by the unauthorized transactions. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for *** 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. 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 directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: *** *** *** ***, Revdex.com Enclosures: Rules and Regulations, Statements, Overdraft Notices, Overdraft Solutions Broc

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 This will be my last response on this matter to 53rd BankThis really upsets me that MrPnever mention anything about the available balance that I was viewing on my account that gave me the impression there was enough funds to cover my expenseHe only mentioned the ending balance which is what the bank can viewI know the bank has it's protocol but what do customers have if they are mislead thinking they have available funds but really they don't? If the criteria is what it is then the available balances that are posted to customers accounts should not be thereThis misleads the customer of what's in their acct. Also I am attaching the message I sent to 53rd in hopes to get help with the my incorrect attempt to pay my negative balanceHe also stated he tried calling me several times on the number I provided to them and couldn't reach meWell that was because I could not renew my minutes on my cell phone due to lack of fundsSo since I have limited funds I do not know when I will be able to close my acctWhen I'm able to bounce back and return to work I will close my acctThank you
Regards,
*** ***

*** ** *** *** *** *** *** * *** ** *** Date: January 24, 2018 Account: *** Regarding Your Checking Account Dear *** ** ***: We received a copy of the complaint you filed with the Revdex.com concerning your
checking accountWe appreciate the time you have taken to document your thoughts and concerns. We have completed a review of your checking account ending in ***Our records indicate that on January 3, 2018, the balance in your account was $On January 4, 2018, payments and purchases totaling $1,presented for paymentAs there were not sufficient funds to cover these items, your account was assessed four (4) overdraft fees in the amount of $for a total of $I have enclosed the Overdraft Notice that was mailed to you on January 5, 2018, which details this activity. Please note than an overdraft fee is assessed for each occurrence, meaning each item that presented for payment without sufficient funds to cover the transaction. I have also enclosed a copy of our Deposit Account Rules and RegulationsInformation regarding the order in which we process transactions can be found on page fourteen (14)As you can see on the enclosed Overdraft Notice, your transactions did post according to our overdraft calculation orderIn addition, although direct deposits and the available funds from pending deposits are added into your balance prior to subtracting the debits, our records indicate that your deposits were not made until January 5, 2018, and therefore were not available to cover your overdraft on January 4, I have enclosed a copy of your account activity, which shows that six (6) deposits totaling $1,posted to your account on January 5, Furthermore, I have confirmed that there were no issues with the *** *** ATM (Automated Teller Machine) or its ability to accept deposits on January 4, 2018. Please note that the three (3) ATM deposits made on January 5, 2018, in the amount of $would not have been sufficient to cover the full amount of your overdraft. We have also reviewed your request to reverse the overdraft fees totaling $As a valued customer, we reversed fees totaling $on March 27, In addition, as we discussed by telephone, an addition $was reversed on January 10, 2018, in the interest of customer service. Therefore, we are not willing to waive additional fees at this timeOn 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. Per your request, I have also reviewed the overdraft that occurred on March 21, 2017, and March 22, Your beginning balance on March 21, 2017, was $Deposits totaling $3,were credited to the account; however, payments totaling $3,were debited from the accountAs there were not sufficient funds available to cover all of your payments, two (2) overdraft fees in the amount of $were assessed to the accountAdditionally, on March 22, 2017, your beginning balance was overdrawn and negative in the amount of ($126.71)A payment in the amount of $posted to the account and was assessed an overdraft fee in the amount of $I have enclosed the Overdraft Notices that detail this activity for your reviewAs stated above, in the interest of customer service, overdraft fees in the amount of $were waived on March 27, As there is no indication that a Bank error occurred with these transactions, we are not willing to waive additional fees. 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, 8 a.mto p.m., ET. Sincerely, Jennifer M.Office of the President Pc: Revdex.com Enclosures: Overdraft Notices, Deposit Account Rules and Regulations, Account Activity

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,
*** ***

March 8, 2017*** ***Revdex.com*** *** *** *** *** ** ***Re: Your reference: *** *** - Case No***Dear Ms***:We are in receipt of your letter dated February 24, 2017, regarding the informal complaint filed by Mr***We have had the
opportunity to investigate this Complaint and offer the following information.Armstrong empathizes with Mr*** regarding the frustration he experienced over his inability to connect certain three-way callsArmstrong tested that feature on Mr***’s service on January 2, to determine the cause of the issueUpon completion of that investigation, it became apparent that the complete phone number was not being dialed which caused the line to disconnectArmstrong recommended that Mr*** test the three-way calling feature with a different telephone, however, Mr*** disagreed with our assessment and alleged the issue was caused by Armstrong’s Privacy Defender featureArmstrong removed Privacy Defender from Mr***’s account on January 4, and unfortunately, Mr*** continued to experience the same problem with his three-way callingArmstrong spoke with Mr*** again on February 24, to schedule a service callOn February 25, 2017, Armstrong dispatched a technician to Mr***’s residence to replace his modem and advised him to consider replacing his telephone if the new modem did not solve his issueArmstrong attempted to contact Mr*** later that day to confirm his three-way calling feature had been restored, however, Armstrong was unsuccessful in reaching himArmstrong encourages Mr*** to contact our Customer Service Center if he is still experiencing issues or if he has any additional questions or concerns.Thank you for your attention to this matterPlease feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Team cc: *** ***

*** ***, The information that *** *** provided is not what we have requested. The enclosed insurance document states that it is for Liability Insurance. According to the contract signed for the purchase of the car, it is a requirement to maintain Comprehensive insurance coverage on the vehicle held for collateral until the loan is paid off.I have been asking for *** *** to provide a copy of the Declaration Page of his Comprehensive insurance coverage Our records indicated that he did not have Comprehensive insurance coverage from December 16, 2015, until May 24, In order for us to consider a refund of the insurance purchased by the Bank, we will need a copy of the Declaration Page showing he had Comprehensive coverage from 12/15/until 5/24/16. Thank you, *** ***| Fifth Third Bank Customer Care Specialist II| Office of the PresidentKingsley Dr, MD 1MOCOP, Cincinnati, OH

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: October 14, 2016 Account: *** Regarding Your Fifth Third Bank Installment Loan Dear *** ***: We received a copy of the complaint filed with the Revdex.com regarding your installment
loan paymentsWe 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 and your fatherPlease 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 our senior and executive management teams review customer concerns as part of our ongoing commitment to improving our customers’ satisfaction. We have reviewed the payment history for your installment loanThe Auto BillPayer department received and processed your request to close your Auto BillPayer service on July 8, Our research has confirmed the service has been cancelledThe last payment was processed on July 7, 2016, and returned due to insufficient funds on July 12, 2016. We have reviewed your telephone calls to the Bank regarding this issueOur review indicated you originally contacted the Customer Service Department on June 8, Unfortunately, this call was not recordedOur review of recorded calls determined you were informed that the $of fees associated with the insufficient funds and late charges would be reversed from your installment loanOn July 19, 2016, a $fee reversal posted to your installment loan. On October 4, 2016, the Customer Service Department reversed $of fees on your installment loan. Our research determined an additional $of fees had been assessed to your installment loan since June 8, Based on your timeline of events, and our inability to listen to your call on June 8, 2016, we processed a fee reversal request on October 11, 2016, for the additional $For your records, we have enclosed a copy of the payment history for your installment loanPlease note the $fee reversal was processed and approved after the payment history was ordered. We have completed our review of the payment history reporting on your credit report for your installment loanOur review determined no negative information regarding this payment issue has been reported to the credit reporting agencies. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### In your letter to the Revdex.com you requested that the Bank pay two (2) monthly installment loan paymentsAs mentioned above, the Bank has waived the $in fees in the interest of customer service; however, we are unwilling to provide you with additional compensation. 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 contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com

*** *** ** *** *** *** *** ** *** Date: October 27, 2017 Account: *** Regarding Your Fifth Third Bank Loan 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 expectations. As we discussed, you are the co-borrower on this loanA co-borrower is also responsible for paying the entire debt if the primary borrower fails to do soWe certainly empathize with the difficulties you have had; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to remove the late payment reporting. I have ordered a coupon book to be mailed to you at the above addressIn addition, loan customers can remit their payments in the following ways: ** By calling our toll-free Customer Service number, ###-###-####Please choose the # keyThen enter the loan number and the last four (4) digits of either borrower’s social security numberOption 4 will allow you to make a paymentFees for this service vary by state. ** Loan customers can make online payments through our website, 53.comTo enroll in our Internet Banking service, customers can use the new “First Time User” link in the login box to begin the processYou will be prompted to use your loan documents to answer a series of questions in order to set up a user ID and passwordAfter you are enrolled, you can make payments to your loan from a non-Fifth Third Bank checking or savings account for free. ** 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 ** You may wish to consider using our Auto BillPayer serviceAuto BillPayer is a free service that automatically deducts payments from any checking or savings account each month on the due date or any date within the grace periodTo sign up for Auto BillPayer, please contact them directly at 800-837-2000. The loan is due for the November 5, 2017, payment of $I have also enclosed a copy of the payment history for your referenceYou can review your account balance and activity on our website at 53.com, or by calling our Customer Service Department at ###-###-####Our toll-free Telephone Banking system is available twenty-four (24) hours and Customer Service Representatives can be contacted at the same telephone number and are available Monday through Friday, a.mto p.m., ET. 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 Enclosure: Payment History

*** ** *** *** *** *** ** *** *** ** *** Date: May 10, 2017 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 express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On April 12, 2017, the beginning balance in your checking account was $On April 12, 2017, one (1) debit card item posted to your account totaling $Due to insufficient funds in the account, one (1) overdraft fee totaling $was assessed and posted to the account the following dayThe ending balance in the account on April 12, 2017, was negative ($25.96)A copy of the Overdraft Notice dated April 13, 2017, is enclosed. On April 13, 2017, the beginning balance in your checking account was negative ($25.96)On April 13, 2017, in addition to the previous day’s overdraft fee, one (1) recurring debit card item posted to your account for $5.38. Due to insufficient funds in the account, one (1) overdraft was assessed and posted to the account the following dayThe ending balance in the account on April 13, 2017, was negative ($68.34). When your checking account was opened on January 4, 2016, it was opened as our Basic Checking accountThe Basic Checking account does not have the option for Overdraft Coverage on the accountOn January 5, 2017, per your request, your Basic Checking account was changed to the Essential Checking accountThe Essential Checking account provides you with the option to either accept or decline Overdraft CoverageOn January 9, 2017, you declined Overdraft Coverage on the Bank’s website at 53.comOn April 6, 2017, you called the Bank’s automated customer service toll free telephone number and accepted Overdraft Coverage on April 6, 2017. When a customer accesses their account information through our automated telephone system, the customer must input either their social security number or account number, and their four (4) digit Automated Teller Machine (ATM) Personal Identification Number (PIN)According to our records, and as I explained to you during our telephone conversation on April 27, 2017, you called the Bank’s automated telephone system on April 6, 2017, and accepted Overdraft Coverage. On April 13, 2017, you contacted our Customer Service Department regarding the overdraft feeI confirmed there was no discussion at that time concerning Overdraft CoverageDuring that call, you requested reversal of the $overdraft fee assessed to the account on April 13, The employee you spoke with correctly explained that because the overdraft fee was still listed as a pending fee on your account, it could not be reversed and credited back to your account until the following dayOn April 14, 2017, a supervisor in our Customer Service Department reversed the $overdraft fee that was assessed. On April 30, 2017, your Essential Checking account was closed per your requestAdditionally, on April 30, 2017, your Express Banking account was closed per your request. MsHollins, thank you for your patience while waiting for a responseWe regret that you felt the need to close your accounts and we certainly hope you will reconsider using Fifth Third Bank for your financial needs in the futureIf 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 (2): Overdraft Notices

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. It is apparent that 5/is incapable of processing the actual issues at handAllow me to break down, once again, what the actual issues are to better assist with comprehensionI was informed by banker Ryan Vthat I qualified for PMI removal and that he had been working on several PMI removal requests that day due to the market assessments receivedI later received a letter from 5/indicating that I did NOT qualifyI have the original copy of the PMI removal denial letter received, in addition to other paperwork containing details regarding my FHA mortgageLet me clarify the issues: the issues are NOT with understanding the PMI removal denial letter received and the basic information it containsThe first issue is with the following: A) Why did banker Ryan Vinform me after reviewing my information that I qualified for PMI removal? Kindly provide a DIRECT response to this issueB) Why did banker Ryan Vindicate that he had been currently working on several PMI removal requests for other customers due to the receipt of the market assessments received? What would qualify one customer for PMI removal due to the current market assessments received and not the other? Kindly provide a DIRECT response to this issueAdditionally, as previously indicated in my last response, my escrow money was received AFTER taxes were dueThe second issue is with the following: 1) Why wasn’t the escrow money received in a timely manner, which resulted in having to withdrawal money from my savings account, when it is widely know when Cook County property taxes are due? Kindly provide a DIRECT response to this issueB) Why did 5/employee Reyna from the customer service department not follwith me after reassuring that she would ASAP, upon receiving additional information regarding my escrow money? Kindly provide a DIRECT response to this issue. Continuing to apologize for poor service received at 5/as well as continuing to send copies of the 5/PMI removal denial letter, does not DIRECTLY address the actual issues that prompted my initial inquiry to the Revdex.comI require an explanation as to why MrVinitially indicated I qualified for PMI removal as well as why my escrow money wasn't received on timeContinuing to dodge the actual issues and overshadow them with letters containing legal jargon regarding PMI removal and how FHA mortgages work is not a sufficient or appropriate response to this matter, nor does it appropriately justify the additional $1,I paid in PMI after being initially informed that I qualified for its removalUntil 5/can DIRECTLY address the aforementioned issues, which have now been broken down into their simplest forms for better comprehension, this matter will remain unresolved with the Revdex.com on my behalf. Regards,*** *** ***

*** ** *** *** *** *** *** *** ** *** Date: March 14, 2018 Account: *** Regarding Your Mortgage Loan Dear *** ** ***: We received a copy of the complaint you field with the Revdex.com concerning your mortgage loan
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 you. Please 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. As your complaint letter indicates that you are already aware, Fifth Third Bank has provided you with a three (3) month payment forbearance since your home was located within a Federal Emergency Management Area (***) disaster zoneThe payment forbearance period was from October through December During the payment forbearance period, you were not required to make your mortgage loan payments. During the payment forbearance period, late charges were waived and no negative credit reported was sent to the credit reporting agenciesAlthough you were not required to make you loan payments during the payment forbearance period, interest still accrued because the loan is still active during the forbearance periodI have also confirmed that, although you were not responsible for making loan payments during the payment forbearance, late payment notices were still sent during the payment forbearance period because such notices are systematically sentI have also confirmed that there has been no negative credit reporting of your account no late payment fees have been assessed. At the end of the payment forbearance period on December 31, 2017, the following options were available to you: Provide a lump-sum payment to bring the loan payments current. Extend the payment forbearance period. Request a modification to your mortgage loan. If option three (3) listed above were chosen, then the following would apply: ** You would avoid making a lump-sum payment to bring the loan payments current. ** The change from the modification might keep your monthly mortgage payment similar to your payment before the forbearance. ** There would be minimal paperwork and no closing costs charged. ** There would be no negative impact to your credit report. At the end of the payment forbearance, you chose a loan modificationAlthough the loan modification extends the term of the loan, it allows you to defer the payments during the forbearance period so that a lump-sum payment is not required to bring the loan currentAs part of the loan modification that you accepted, you were required to make trial period payments of $each, due on or before January 1, 2018, February 1, 2018, and March 1, 2018, respectivelyI have confirmed that you have made each of the payments during the trial period. The final loan modification documents will be sent to you by our Loss Mitigation Department no later than March 15, Once those documents are signed by you and returned to the Bank, the loan will be brought currentIf you have additional questions or concerns, please contact our Loss Mitigation Department at ###-###-####, option 3, Monday through Friday, a.mto p.m., ET. Please be assured that, as of March 13, 2018, there has been no negative credit reporting of your accountIf you are still in the process of refinancing your mortgage loan, please use this letter for verification that there has not been any negative credit reporting of your Fifth Third Bank mortgage loan because of the forbearance and the loan modification that is still in process. If you would like to contact the credit bureaus directly, their contact information can be found below: *** ###-###-#### *** ###-###-#### *** ###-###-#### *** ###-###-#### *** ***, on behalf of the Bank, please also accept my sincere apologies for any difficulties you may have experienced when you previously contacted the Bank regarding this matterWe strive to provide professional and accurate service to our customers and we regret if this has not been your experienceIf 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

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.]They have alerted the deposit order to cause me to overdraft.
Regards,
*** ***

*** ** *** *** *** *** *** *** ** *** Date: January 26, 2015 Application: *** Regarding Your Recent Mortgage Loan Application Dear *** ** ***: We received a copy of the follow up letter you sent to the Revdex.com regarding your mortgage loan applicationWe 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 the level of service you received from our Mortgage DepartmentPlease be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customersAfter receiving your letter, I forwarded your concerns to the relevant parties in our Mortgage DepartmentI 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’ satisfactionHowever, I cannot inform you of any specific internal actions that may be taken. According to the enclosed copy of the Fifth Third Mortgage Loan Pricing Agreement and Prepayment of Settlement Costs Policy, which you signed during the application process, if your application is not approved, is withdrawn, or is approved and does not close, you will not be entitled to a refund of any fees paid including but not limited to the application fee and long term rate lock feeAs a result, we will not refund any of the costs that you incurred for services performed in connection with your mortgage loan applicationWe regret any inconvenience this may cause youPlease be aware that, since we do not have any additional information regarding this matter, the Bank considers this matter closed. *** ***, 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: Fifth Third Mortgage Loan Pricing Agreement and Prepayment of Settlement Costs Policy

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,
*** ***

Dear *** ***: After reviewing the customer’s most recent comments, we believe we have fully addressed the customer’s concerns in our prior responsesBecause no new information was provided, we will not be sending any additional written responsePlease update your file as needed. Thank you, Alison S.Customer Care Team SpecialistOffice of the President | Fifth Third Bank