PROCORPSA

*** *** *** *** *** ** *** *** *** ** *** Date: January 6, 2016 Account: *** Regarding Your Vehicle Installment loan Dear *** ***: We received a copy of the letter you sent to the Revdex.com regarding your
vehicle installment loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience 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. According to the enclosed copy of the installment loan note, which was disclosed and signed by you when the loan was originated, you agreed to maintain insurance on the vehicle for the term of your loan contractA copy of the loan note is enclosedPlease refer specifically to Section two (2) Don page two (2) of the loan noteIn that section it states that you agree to have physical damage insurance covering the loss of or damage to the vehicle for the term of this contractThe insurance must cover our interest in the vehicleIf you do not have this insurance, we may either buy insurance that covers your interest and our interest in the vehicle, or buy insurance that covers only our interest. The Bank sent notifications to you before the insurance policy was purchased by the BankCopies of the notices we sent are enclosedWhen it was discovered by the Bank that the vehicle was not insured, per the loan contract, the Bank purchased an insurance policy at your expense on July 3, The cost of this insurance was added to the loan balanceThe total cost of the policy that was purchased by the Bank was $2,The period of time in which there was a lapse in the required vehicle insurance was from July 3, 2015, to October 18, Once vehicle insurance was purchased by you, the policy that we purchased was cancelled and a refund of $1,was credited back to the loan, leaving an outstanding insurance balance owed on the loan of $Because the outstanding insurance balance owed on the loan has been reduced so that only $is now still owed on the loan, your monthly payment has also been reducedPrior to the adjustment to your loan by the Bank, due to a partial refund of the insurance policy purchased by the Bank, your monthly mortgage loan payment was $Your current loan payment amount is now $Since your payment coupon book does not accurately reflect the correct monthly payment owed on your loan, because the coupon book was sent to you before the adjustments to your loan were made by the Bank, a new coupon book has been ordered on your behalf on December 30, 2015, at no charge to youYou can expect to receive a new coupon book in the mail approximately two (2) weeks from the date of this letter. On October 14, 2015, we received your loan payment of $$from that payment was applied toward the outstanding insurance balance owed on the loan of $643.00, leaving a remaining insurance balance of $We also received $on December 21, and $was applied towards the insurance balance owed, and on December 31, we received another payment for $and $was applied to the insurance balanceThe remaining insurance balance as of January 5, is $321.50. Please be assured that the Bank processes loan payments as soon as they are receivedAccording to my research, your loan payment that was due on October 26, 2015, was not received by the Bank until December 21, Since the Bank is required to report accurate information to the credit reporting agencies, this information has been reported to the credit reporting agenciesI have enclosed a copy of the loan payment history for your review. I also want to be sure you are aware that the payment we received on December 16, 2015, was reversed due to insufficient fundsAs of January 5, 2016, your loan is currentYour next scheduled payment is due January 26, 2016. If you have documentation showing that the payment was received by the Bank before the loan was past due, please send it to us and we can determine if the negative information that was reported to the credit reporting agencies can be correctedPlease send the requested documentation by mail to the following address: Fifth Third Bank Attn: Adam P. Office of the President Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ? *** ###-###-#### ? *** ###-###-#### ? *** ###-###-#### ? *** ###-###-#### Please also accept my sincere apologies for the issues you have had when you previously contacted the Bank to change your addressWe strive to provide professional and accurate service to all of our customers and we regret if this has not been your experience. If you are having difficulty making your loan payments, please be aware that the Bank offers hardship assistance to loan customers who qualifyIf you would like more information about how the Bank might be able to help with your loan payments, please contact our Loss Mitigation Department for more information at ###-###-####, option 4, Monday through Friday, a.mto p.m., ET., Saturday a.mto p.m., ET. Ms***, thank you for your patience while waiting for a responseWe truly value your business, and we look forward to continuing our banking relationship with youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Adam P. Office of the President PC: Revdex.com Enclosures (5): Note; Loan Payment History;

*** *** Attention: *** ** *** *** *** *** *** *** ** *** Date: August 3, Account: *** Regarding Your Business Standard Checking Account Dear *** ** ***: We received your additional complaint that was submitted to the Revdex.com regarding your Business Standard checking accountWe appreciate the opportunity to further address your concernsOn 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 the response conveyed to you in our previous letter sent to the above address on July 21, Our position on this matter has not changedWe understand that you advised you were unable to access the websiteHowever, because the transactions that caused the overdraft on your checking account were valid, the subsequent fees assessed are also validOur records reflect that you attempted to log into your business accounts via Mobile Banking on July 20, There are no other attempts to access the websitePlease note that the User ID you used during this login attempt is not valid, which is why you could not access your accountPlease follow the steps provided to you in our previous response to establish a User ID and password via our websiteAlternatively, you can contact our Customer Service DepartmentThe Customer Service Department can be reached at ###-###-####Customer service is available to assist you Monday through Friday from a.mto p.m., ET, and on Saturday from 8:a.mto p.m., ETPlease be assured that the Bank takes overdraft account situations very seriouslyWhile in some cases banking center staff may make a courtesy telephone call about an overdrawn account, Fifth Third Bank employees are not currently required to contact each customer that becomes overdrawnI am sorry for the distress you have experienced because you did not receive a phone callWe confirmed that the overdraft notices we issued each day an overdraft occurred were mailed to you using the address on file at that timeYou updated your address to the address listed above on June 26, Please note that you previously elected to view your regular monthly account statements online only; therefore, you are not charged the $monthly service fee for having a statement mailedBecause the User ID you attempted to use for the business accounts is not valid, you cannot view the statements online until you contact us or establish a User ID via the websiteIf you would like to have the statements mailed to you, please contact our Customer Service DepartmentWe can update your statement preferences; however, there will be a $monthly service charge to have the Business Standard checking account statements mailed to youAlso enclosed is a copy of the Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and CardsPage six (6) provides information regarding overdraft fees for your Business Standard checking accountPages eleven (11) through fourteen (14) provide additional information related to account overdrafts.You also mentioned that there were sufficient funds in your savings account to cover the transactions that caused your checking account to have a negative balanceAs previously explained, you have the option to sign up for overdraft protection, which would allow the Bank to transfer funds from your savings account to cover items that overdraw your checking accountWith overdraft protection, the Bank charges one (1) overdraft protection transfer fee of $per transfer instead of a per-item overdraft fee of $for each item that overdraws your accountIf you would like more information about overdraft protection, please feel free to contact me using the information provided belowYou can also visit your local banking center or contact our Customer Service Department to setup overdraft protection for your checking accountBecause you did not previously establish overdraft protection on your accounts, we were unable to transfer the funds on your behalf when the checking account became overdrawn.We confirmed that the $in fees that were waived on June 26, 2015, and the $in fees that were waived on July 21, 2015, have processed and posted to your accountThe amount of fees we waived in the interest of customer is a total of $and we are unwilling to waive additional fees at this timeEnclosed for your review are your checking account statements for May and June The $fee waiver will be visible on your July statementAs of July 29, 2015, your Business Standard checking account has a balance of $168.19.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 TOffice of the PresidentPc: Revdex.comEnclosure: Previous Response, Overdraft Notices, Checking Account Statements, Rules and Regulations

*** ** *** *** *** *** *** ** *** Date: June 18, Account: *** *** Regarding Your Mortgage Account Dear *** ** ***: Thank you for your letter sent to the Bank, concerning
your Fifth Third Bank Mortgage LoanWe appreciate the time you have taken to request this information RESPA (Real Estate Settlement Procedures Act) and FHA (Federal Housing Administration) establish escrow guidelines for mortgage loans that we are required to follow including an annual analysis of your mortgage escrowDuring that time, we will attempt to estimate any tax and insurance payments for the upcoming yearThe Federal Government also establishes certain guidelines regarding the amount we may collect and reserve on your escrow for any unexpected tax or insurance increases in addition to your annual payment obligations, which is also known as a cushion Should we determine the escrow has a shortage of funds to cover any upcoming scheduled tax or insurance payments and the required cushion, we will offer you payment options in order to satisfy the necessary escrow obligations at that timeEach time we analyze your escrow, we will send an escrow notice to the address on file detailing the results of our findings On January 26, 2015, we sent your escrow notice detailing the results of our annual findingsDuring this analysis, we confirmed a shortage totaling $6,due to an increase in tax and insurance obligationsAt that time we estimated that a total of $1,would be paid toward your homeowners insurance, a total of $6,would be paid toward your taxes, and a total of would be paid toward sewer, water, and waste managementThis notice also presented payment options in order to satisfy your escrow shortage obligationsIf we did not receive the total shortage by the due date indicated of February 15, 2015, we would have divided the shortage into twelve (12) monthly payments increasing your overall mortgage payment to $4,effective March 1, On April 15, 2015, we received your request to apply $3,of your payment toward the escrow shortageOn April 17, 2015, we sent you a corrected escrow notice showing the shortage was adjusted to $2, This notice also presented payment options in order to satisfy your escrow shortage obligationsIf we did not receive the total shortage by the due date indicated of April 27, 2015, we would have divided the shortage into twelve (12) monthly payments increasing your overall mortgage payment to $3,effective May 1, When we receive a request to cancel an escrow account, we review several factors according to our policies and procedures and within the guidelines set forth by the federal regulations referenced in the letterGood payment history is one of the conditions for cancellationOur Escrow Department reviewed your request to cancel the escrow account on your mortgage loan, during that review they determined that the loan had been over thirty (30) days past due in March 2015, which made the mortgage loan ineligible for cancellationTherefore, your request to cancel the escrow account was declined Although you were not in agreement with the escrow shortage or the increased mortgage loan payment, you were still responsible to make your complete mortgage loan payment by the due dateOur records also show that our Collection Department made several attempts to contact you regarding the past due payment on your mortgage loan accountFor your review, I have included the collection notices and your mortgage loan statements As of today, the next mortgage loan payment of $3,is due for July 1, We are very sorry if our attempts to explain the escrow shortage during your telephone calls with our Consumer Contact Center did not provide the level of detail you desired, or failed to fully address all of your questions and concernsIt was certainly not our intention to cause you any hardship We hope this correspondence will help you understand Fifth Third Bank’s position going forwardWe appreciate your patience while we researched your request, and I trust the information detailed herein answers any questions you may haveIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET Sincerely, *** *** Office of the President

January 3, 2018*** ***Revdex.comHoliday Drive, Suite 220Pittsburgh, PA 15220Re: Your reference: *** *** - Case No***Dear Mr***We are in receipt of your letter dated December 12, 2017, regarding the informal complaint filed by *** ***We have had the opportunity to investigate this Complaint and offer the following information.Armstrong contacted Mr*** on December 13, to better understand his complaintDuring one of our technician’s visits to his residence, Armstrong placed a marker flag within one foot of Mr***’s water pumpArmstrong will be installing a new line at his residence on December 22, 2017, and Mr*** expressed concern that the line will be too close to the pumpArmstrong explained that the line will not be placed where the marker is, and we dispatched a technician to mark the actual line placement to avoid any further confusion.Mr*** also mentioned poor internet service in his complaintAccording to our records, Mr*** contacted our Customer Service Center twice in 2015, once in 2016, and three times in with concerns about internet connectivityIn each instance, Armstrong resolved the issue either over the phone or through a next-day service callArmstrong expects the installation of the new line to improve his future internet connectivity.Armstrong encourages Mr*** to contact our Customer Service Center if he has any additional concernsThank 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: *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12632376, and have determined that this does not resolve my complaint. Hi *** -Thanks again for all of your assistance!Did you receive my voice message from this afternoon? It turns out that Fifth Third has still not completely resolved my complaint even though I told your office earlier in the afternoon that the issue had been resolved. Even though Fifth Third sent me an escrow account refund check and two letters that included a copy of an updated escrow account analysis that stated that my monthly payment would be reduced by $effective with my March mortgage payment, they still charged me the old higher payment when they took the direct draft March payment from my account on 3/15. I called them, and they said that of course they took the higher payment because that was what showed on the mortgage statement dated 2/16/that they mailed me back in February. They said that they would have to send me another refund check for the $in a week or two. They had no explanation as to why the escrow analysis that they sent me after the mortgage statement showed that the new payment would be effective with my March payment. They also had no explanation as to what would have happened had I not caught the error and called them again today about it. Fortunately, I had enough funds in my account to allow for the higher direct draft.This is after they previously sent me an escrow analysis that said that I had a shortage in my account because they neglected to account for the real estate taxes that I pre-paid last December. The whole point of my complaint was to obtain an escrow account refund and have my monthly payment lowered due to my pre-payment of my real estate taxes. I had to call them at that time as well, and it took them about two weeks to straighten out this prior error and get me the revised escrow analysis that they recently sent to me.Talk about the gang who couldn't shoot straight! First they lie to me on the phone multiple times last December, and then they make me go through all of this to get them to honor their original commitment. I will let you know if I do not receive the next refund check.Thanks again!Regards,*** ***

*** ** *** *** *** *** *** ** *** Date: April 24, 2018 Account: *** Regarding Your Relationship Savings Account Dear *** ** ***: We received a copy of the complaint you filed with the Revdex.com (Revdex.com) concerning your
accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties 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. On October 13, 2017, a $1,transaction posted to your Relationship Savings accountThe description of the charge on your statement is listed as follows: WEB INITIATED PAYMENT AT *** *** *** ***On December 19, 2017, you contacted our Disputes Resolution Department to dispute the transaction and disputes case number *** was openedWhen the case was finalized on January 22, 2017, the outcome was communicated to you in writing from our Disputes Resolution DepartmentA copy of the letter dated January 22, is enclosed for your recordsIf a transaction is being disputed sixty (60) days or more after the transaction has posted to your account, the transaction can still be disputed; however, if the merchant can provide documentation verifying that the charge is valid, then the dispute will be declinedThe transaction dispute was declined because the merchant provided documentation verifying the transaction, I apologize for any misunderstanding that may have occurred regarding additional reasoningA copy of the documentation that we received from the merchant is also enclosedSince the merchant was able to provide documentation verifying the charge, you will need to work directly with the merchant to request a refund. On behalf of the Bank, please also accept my sincere apologies for the level of service you received when you previously contacted the Bank regarding this matterWe strive to provide professional and accurate service to our customer 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, Sarah S.Office of the President Pc: Revdex.com Enclosures: Dispute Documentation

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. When They Offer Me This Account The Customer Representative Gave Me The Wrong Information And He Said We Were Going To Get The Discount Only Bu Havong This Account And Nothing Additional Was Required. Stated For The First Acount We Will Be Charged Dollars And For The Second Dollars So Fifth THIRD bank Needs To Train Better The Customer Representatives
Regards,
*** ***

*** ** *** *** ** *** ** *** *** ** *** Date: November 15, 2017 Account: *** Regarding Your Vehicle Installment Loan Dear *** ** ***: We received a copy of the complaint you field with the Revdex.com concerning your
vehicle installment loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. As you may already be aware, page two (2), section (d), of the enclosed loan contract states that you agree to have physical damage insurance covering loss of or damage to the vehicle for the term of the contractIt also states that if you do not have the required insurance, then the Bank may purchase physical damage insurance and advise you of the charge you must then payThe charge is added to the balance of your loan and increases the monthly payment due. I have confirmed that our Insurance Service Center issued letters to you on September 12, 2017, and October 3, 2017, advising that we did not have evidence of insurance on file and that we would purchase a policy if we did not receive evidence of insuranceCopies of the letters are enclosedSince we received evidence of insurance on November 15, 2017, we did not purchase an insurance policy on your behalf. I have also confirmed that, in 2016, our Insurance Service Center issued letters to you on February 11, 2016, and March 2, 2016, advising that we did not have evidence of insurance on file and that we would purchase a policy if we did not receive evidence of insuranceSince we did not receive evidence of insurance at that time, our Insurance Service Center issued a letter to you on March 18, 2016, explaining that the Bank purchased an insurance policy on your behalfInformation regarding the policy purchased at that time was also sentCopies of the letters sent are enclosedA copy of the insurance policy declaration page for the insurance policy that we purchased is also enclosed. The annual premium for the insurance policy that we purchased in was $2,The coverage period was from February 1, 2016, to February 1, Although we received evidence of insurance, there was still a lapse in insurance from February 1, 2016, to April 19, The insurance premium for that period of time was $This is the amount of the force placed insurance policy that remained on the loan at that time. If you can provide evidence of insurance for the period from February 1, 2016, to April 19, 2016, then the policy premium of $that was added to the loan in will be removed from the loan and the loan payments will be adjusted accordinglyPlease send the requested documentation to our Insurance Service Center by fax at ###-###-####, upload online at insuranceservicecenter.com, or by mail to the following address: Insurance Service Center ** *** *** *** ** *** For any additional questions or concerns regarding the force-placed insurance policy, please contact our Insurance Service Center at ###-###-####, Monday through Friday, a.mto p.m., ET, Saturday a.mto p.m., ET. 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 (7): Loan Contract Insurance Notification Letters (5) Insurance Policy Declarations Page

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: March 28, 2018 Account: *** Regarding Your Mortgage Loan Dear *** *** ***: Thank you for contacting the Bank regarding your mortgage loanWe appreciate the opportunity to respond
to this matter. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your mortgage loanIt was certainly not our intention to cause you any hardshipWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsI 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. We have completed a review of your account ending in ***As we discussed by telephone, a property tax payment in the amount of $1,was disbursed on March 5, 2018, to *** ***Please be assured that the penalties incurred due to this late payment were paid by the BankIn addition, we have updated our records to reflect the correct parcel number and the Bank has reimbursed your escrow account $for the payment disbursed in error on November 2, 2017. Per our telephone conversation, I have confirmed that we have updated our systems to reflect that your homeowners insurance provider is now *** Insurance CompanyI have also reviewed the escrow shortage at your requestPlease find enclosed your Initial Escrow Account Disclosure Statement as well as your payment history from your previous servicerAs the history shows, a homeowners insurance payment in the amount of $1,was disbursed on November 29, 2016, and an additional homeowners insurance payment was disbursed in the amount of $2,on August 4, The history also shows that a property tax payment in the amount of $was disbursed on December 9, As more funds were disbursed from the escrow account compared to the projected amounts of $for property taxes and $1,for homeowners insurance, there is an escrow shortage. Please find enclosed the Annual Escrow Account Disclosure Statement dated October 16, 2017, which provides the details of the most recent escrow analysis as well as your shortage amount and options for paying the shortageWe received a payment in the amount of $1,on January 11, 2018, which was applied to the escrow shortageAs a result, your monthly mortgage payment is $1,As both your property tax payment and your homeowners insurance premium amounts have changed since the October analysis, you may request a new analysisIf you would like a new analysis performed, please contact me at the telephone number below and I would be happy to have this performed for youOtherwise, your escrow account will undergo its scheduled annual analysis in October 2018. 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, Jennifer M.Office of the President

*** *** *** *** *** *** *** ** *** Date: February 28, 2017 Regarding Calls from Fifth Third Bank Dear *** *** ***: We received a copy of the complaint you filed with the Revdex.comWe appreciate the time you have taken
to document your thoughts and concerns. I can understand your frustration when this situation occurredPlease be assured that we have contacted the relevant parties to express your dissatisfaction with the telephone calls you receivedThe calls were made in an attempt to reach a Fifth Third Bank customerI have not found any open accounts matching your name and addressIn response to your request on February 20, 2017, the telephone number you provided in your complaint was notated so you will no longer receive telephone calls from Fifth Third BankOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to respond to 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

We are in receipt of your letter dated November 18, 2016, regarding the informal complaint filed by *** ***We have had the opportunity to investigate this Complaint and offer the following information.According to our records, Mr*** received credit for the installation charge on January 4,
Armstrong now considers this matter closed.Armstrong encourages Mr*** to contact our Customer Service Center if he has any additional questions about this program or if he has any internet issuesThank 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

*** *** *** *** *** *** *** *** ** *** Date: May 19, 2016 Account: *** Regarding Your Enhanced Checking Account Dear *** ***: We received a copy of your complaint filed with the Revdex.com, concerning the
cash bonus for your Fifth Third Enhanced Checking accountWe appreciate the time you have taken to express your concerns regarding this matter, and I apologize for any difficulties you experienced when you previously attempted to discuss this matter with the Bank. We completed a review of your Enhanced Checking account ending in *** and the promotional offer you receivedOur review determined that the following was required to qualify for the cash bonus of $500.00: ** Open a qualified checking account with a minimum $deposit by March 12, 2016; **Maintain an average collected balance of $20,000.00, for the first sixty (60) days after the account is opened; **Establish direct deposit with at least one deposit into the checking account within that sixty (60) day period. Our records show that you opened the checking account ending in *** and a Relationship Money Market Savings account ending in *** on February 9, The deposit of $19,000.00 was made into the Relationship Money Market Savings account ending in *** on February 9, On February 10, 2016, an additional $1,was deposited into the same account. On March 16, 2016, a direct deposit was made into the existing Relationship Money Market Savings account, instead of into your Enhanced Checking account ending in ***Because of this, our research determined that you failed to meet the requirements to obtain the bonus. Although there was no bank error, in the interest of customer service, the *** *** Banking Center submitted an exception request for a credit to the account for the cash bonusAs a result, the cash bonus of $was credited to your Enhanced Checking account ending in *** on May 9, I apologize for any additional frustration this may have caused you. Thank you for your patience while we researched this matter for youIt is a well-known fact that no business can survive without its customers, and we regret you felt the need to close your accountsYou are a valued customer and we sincerely hope you will reconsider this decisionIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Elizabeth J.Office of the President Pc: Revdex.com

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.
Fifth Third Bank is not understanding the complaint and I find them to be extremely combative and accuse them of abusing their power, in my opinion I have since closed all but one account with Fifth Third Bank and would suggest no one banks with the institution I only wish the institution took its name more literally and remembered that I am a customer, rather than making me feel like the lowest denominator as I am sure they continue to lack communication with several customers who suffer from the same mistake I made...using 5/as a bank Maybe this bank should learn how to grow up and stop being an improper fraction of an institution
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. This complaint is still ongoing, the court has not received the check and there’s missing from my old account that wasn’t sent to the courts
Regards,
*** ***

*** *** *** *** *** *** *** ** *** Date: October 6, 2017 Regarding Your Mortgage Applications Dear *** ***: Thank you for your correspondence concerning your recent mortgage loan applicationsWe received a copy of the complaints you filed with the Revdex.com. Your loan applications were submitted to Fifth Third Mortgage, which is an affiliate of Fifth Third Bank. The Office of the President researches and responds to our customers concerns regarding Fifth Third MortgageWe strive to provide an exceptional experience to our customers and I am sorry we did not meet your expectationsPlease be assured customer feedback is reviewed by our executive management team as part of our ongoing commitment to improving our operations. Thank you for taking the time to speak with me by telephone regarding your concerns with your mortgage applicationsI was able to speak with Chris C***, Sales Manager about the most recent application that was submitted to pre-qualify you and your husband for a mortgage loanIt is my understanding that your request for a prequalification for mortgage financing was submitted on September 26, As we had just completed an inquiry on your credit report on September 6, 2017, that credit report could have been used for the September 26, applicationPlease be assured that we have submitted the necessary updates to the credit bureau agencies to remove the September 26, inquiryPlease allow up to thirty (30) days for the credit bureau agencies to update their reporting. We apologize for any difficulty or concern this may have caused you. When you and I spoke on the telephone on September 29, 2017, I explained to you that the September 6, application was deniedFor your reference, I have enclosed a copy of the adverse action letter that I reviewed with you by telephoneAs I mentioned, one (1) of the reasons listed for denial was “unable to verify residence.” We have confirmed that “unable to verify residence” was included on the adverse action notice because we were not able to verify your present address as it was listed on your applicationWe compare the address listed on your application to the current address identified by the credit reporting agencies and if the addresses do not match, we are not able to verify your residenceIt should be noted that your September 6, application was the only application you submitted that was not withdrawn prior to a credit decisionDuring our conversation, you stated to me that you had not withdrawn any of your previous applications and asked me for the dates on which they were withdrawn. For your reference, I have included the date of each of your applications below, as well as the dates on which they were withdrawn or denied: ** 1st application- submitted June 29, This application was withdrawn on July 13, 2017. ** 2nd application- submitted on July 14, This application was withdrawn on August 15, 2017. ** 3rd application- submitted on August 15, This application was withdrawn on August 22, 2017. ** 4th application- submitted on September 6, This application as denied on September 27, 2017. The September 26, 2017, application was a pre-qualification. During our telephone conversation, you mentioned that you had been provided a different monthly income amount in August than what you were provided in SeptemberIn reviewing your applications, we noted that your first (1st) three (3) applications were submitted with varying income amountsEach of your first (1st) three (3) applications was withdrawn prior to any income documentation being provided to usTherefore, the amounts listed on the applications were based upon your representation of your income and did not reflect verified incomeFifth Third Mortgage did receive your income documentation for your last application, so the monthly income amount we provided would have been accurate based on that documentation. The income documentation provided by you included tax returns reflecting gross income attributable to your company was $385,The loan application required disclosure and verification of your personal income, which is equal to the qualifying income reflected on your tax return as your income amountIn your case, the qualifying income was $17,952.00, which was reduced by 50% to $8,976.00 because you are a 50% owner of the company from which the gross income and qualifying income is derivedWe understand your request to have your application reviewed again in a board reviewWe did request that a member of Fifth Third Mortgage complete a secondary review of your application, and with that review, it was confirmed that the calculations of income were accurate. You also mentioned that you were contacted by an employee who identified himself as being from an Underwriting Department; however, you later found out that was not the caseIt is our understanding that the employee who contacted you was a member of the Processing Department, and based on his recollection of the conversation, he did introduce himself that way to you when you spoke on the telephone. You requested a refund of your $application fee due to the difficulty you have experienced with the application processIn reviewing your applications, we noted that you paid a $application fee on July 31, At the time of paying the application fee, you received and signed a pricing agreementThe pricing agreement states, “I have read and understand the PrePayment of Settlement Costs Policy which states that if my loan application is not approved, is withdrawn by me, or is approved and does not close, I will NOT be entitled to a refund of the application fee paid.” For your reference, I have enclosed a copy of the signed pricing agreementAs you completed the agreement with the understanding that the fee was not refundable, we are not able to provide you with a refund. Customer complaint must be reviewed by Fifth Third Bank’s Office of the President who is charged with researching those complaints and responding to the complainantsEach complaint is tracked and reported to senior managementIn connection with this process, risk and compliance departments are involved in the research and response to complaintsGiven the numerous applications involving rural *** properties valued at less than $50,that were intended to be used by you as owner occupied or second homes, future applications for similar transactions will need to be discussed to ensure that the applications properly capture your intended use of the propertyIt is our understanding that you maintain a permanent residence in the *** area of *** and this is also the location of your automobile painting business, *** *** ***It is possible that such properties are intended as investment properties and financing for that property type is also availableIf, instead, you intend to permanently relocate to *** or maintain a second home in ***, the income derived from your business will need to be reviewed to verify that relocation would not impact income you receiveShould you wish to move forward in the future with applying for a new loan, you will need to contact MrC***. 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, Brandy W*** Office of the President Pc: Revdex.com Enclosure: Adverse Action Letter

*** *** *** *** *** *** *** ** ***Date: July 8, Account: ***Regarding Your Checking AccountDear *** *** ***:Thank you for contacting the Bank concerning your checking account and the fees that have been assessed to the accountWe appreciate the time you
have taken to express your concerns regarding this matter.If a checking account becomes overdrawn, we assess an overdraft fee for each item that posts while the account is negativeFor the first occurrence in a twelve month period, you will be charged $per itemFor any other occurrence the cost is $per itemPlease note that the Bank process transactions at the end of each business day and debit card transactions are processed in the order they were authorizedOverdraft fees are assessed the business day after the overdraft occurrenceWe do not charge overdraft fees for any bank service fees that post to the account causing an overdraft, or during a coinciding overdraft occurrence.On June 11, 2015, one debit card transaction for $to *** *** was presented for payment leaving your balance at $at the end of the business dayOn June 12, 2015, five items totaling $were presented for payment in the order they were authorized, leaving your account overdrawn with a negative balance of ($80.64)The items that day were again all caused by the use of your debit cardYour account was assessed five $per item overdraft fees totaling $An overdraft letter was sent to you dated June 15, as a courtesy to inform you that your account was overdrawn, the amount the account was overdrawn, and the total amount of fees associated with the overdraft.On June 22, your account had an additional debit card purchase of $to Apple iTunes post as well as your monthly service charge of $11.00, leaving your account negative ($287.30)On June 23, your account was assessed a $overdraft fee for the debit card purchase, not for the monthly service chargeAnother letter advising you of the overdraft was sent to youAt the close of business on June 23, 2015, your account was negative ($324.30).The total amount of overdraft fees assessed to your account was $222.00, of which $was reversed on July 2, as a courtesyBased on our fee reversal guidelines to ensure equality among our customers, we are unable to reverse any further fees.When you opened your account on December 30, 2013, you informed us about your Overdraft Coverage preferencesAt that time, you accepted overdraft coverage for ATM and Debit Card transactions on your account ending ***Overdraft Coverage allows you to make a purchase with your debit card or receive cash at an ATM even if you don’t have enough money in your account at the time of the transactionPricing for Overdraft Coverage is listed on the letter sent to youYou were informed that you could change your ATM and Debit Card Overdraft Coverage at any timeBy accepting the Overdraft Coverage, your card was authorized for purchases at your request regardless of the balance that was in your account at the time you made the purchasesI have included a copy of the letter sent to you about your acceptance.I have included a copy of both overdraft notice letters sent to youThe Bank has the capability of sending text alerts to a customer’s cell phone, but that request has to be initiated by the customerCustomers are able to set up the text alerts on-line as well as stopping into a local branch and asking that they assist you with the processAdditionally, customers can change preferences for Overdraft Coverage at any time on-line or at a local branch.We strive to provide professional and accurate information to our customers, and 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,Beth H.Office of the PresidentEnclosure (1): Overdraft Coverage Agreement, Overdraft letters (2)

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: March 5, 2018 Account: *** Regarding Your Essential Checking Account Dear *** ** ***: We received a copy of the complaint you filed with the Revdex.comWe 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. On December 29, 2017, you opened your Essential Checking accountOn January 24, 2018, a check order was submittedOn January 31, 2018, your Essential Checking account was assessed a checkbook fee of $I have confirmed that the order for checks was not placed by an employee of the Bank; therefore, the checks could only have been ordered in error during the account opening process. Since you did not intend to order checks when the account was opened, I have refunded the checkbook fee of $23.99. On February 7, 2018, the checkbook fee was reversed and credited to your account, per your requestPlease also accept my sincere apologies for any issues 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 experience. *** ***, 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
The past due payment that occurred on my account was due to the fraud of the vehicle payoff that I was a victim ofI had no indication that there was any problem with the loan until I received a letter in the mail in MarchI had NO, I repeat NO phone calls that you insist that was made to me concerning the late paymentI know that you can issue letters to credit the listed credit bureau's to clear up any negative issues with my credit that has occurred because of the fraudI have contacted my police department and filed a report that you already knew about way before this letterYes I did have an obligation to pay the note which I have continued to doThere were many mistakes on Fifth Third Banks part which you continually do not own up toI will say Fifth Third Bank has been the worst financial institution I have dealt withPoor communication, no customer serviceI have never seen a large company that you cannot email and receive an email backCall the office of the president for Fifth Third Bank only to leave a message and maybe get a call backIf you're that secretive, you must have many unhappy customersFix my Credit History!!!
Regards,
*** ***