PROCORPSA

[redacted] [redacted] [redacted] Date: April 14, 2017 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your installment...

loan account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Our records reflect that you contacted the Auto BillPayer Department on February 29, 2016, to enroll in automatic payments. Before automatic payments can start, a customer must complete and send back an enrollment form. We issued forms to you on February 29, 2016, and April 15, 2016, but have no record of receiving a completed enrollment form. For this reason, Auto BillPayer has not been able to automatically process your loan payments. Enclosed are the follow up letters we sent to you on March 21, 2016, and April 11, 2016, advising you we need your enrollment form to have payments automatically deducted. Also enclosed is the letter we sent to you on April 29, 2016, advising that your enrollment in Auto BillPayer was cancelled because we did not receive the required enrollment form. I reviewed the information being reported to the credit reporting agencies for this installment loan. I confirmed that we reported the account as thirty (30) days late in June 2016 and sixty (60) days late in July 2016. We did not receive the payment that was due on May 30, 2016, until August 2, 2016. The late payments were reported correctly. I confirmed that you have received several phone calls from our Collection Department and spoke to them on multiple occasions, including to schedule Automated Clearing House (ACH) payments for the account. Specifically regarding the payments reported late, you spoke to our Collection Department on June 11, 2016, regarding the payment that was due on May 30, 2016. You advised you would make a payment on June 30, 2016. However, no payment was received or scheduled. We spoke to you again on July 7, 2016, and July 14, 2016. On July 14, 2016, you advised you could not make a payment until the end of the month. The payment was received on August 2, 2016. I understand you have advised you sent the Auto BillPayer enrollment form multiple times; however, we have no record of receiving it. You received written notification that your enrollment in the program was cancelled. You also spoke with our Collection Department regarding the missing payments before they were reported delinquent. We regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to remove the negative reporting that is accurately listed. If you have confirmation of how, where, and when you sent the enrollment forms to the Bank, please forward the documentation to me directly so that I can further research this matter. I can be reached using my address listed above or via fax at ###-###-####. Per our conversation on March 31, 2017, we mailed a new enrollment form to you on April 3, 2017. We also emailed a new enrollment form to you on April 3, 2017, to the email address you provided of [redacted]_[redacted]. I also provided you with my email address so you could complete the form, scan it, and email it to me directly so I can ensure the form is received by the Auto BillPayer Department. Per our conversation on April 7, 2017, you received the emailed form but had not yet emailed it back. You advised you would send it that day or the next day. As of April 14, 2017, I have not received an email from you with the form. When you email the form, please contact me using my phone number listed below so that I can call you if the email does not come through. You can also fax the form to my attention or mail it to my address listed above. As of April 11, 2017, your installment loan is current with the next $272.84 payment due on April 30, 2017. You have scheduled the next three (3) payments to process via ACH with our Collection Department. The following payments are scheduled on the account: **$272.84 on April 28, 2017 **$272.84 on May 26, 2017 **$272.84 on June 28, 2017 Please note that if you send the form back and Auto BillPayer begins automatically processing your monthly payments, the enrollment will not cancel the payments you have scheduled with the Collection Department listed above. You will need to confirm the first (1st) payment date that Auto BillPayer will process, and then cancel any overlapping Collection Department payments. The Collection Department can be reached at ###-###-####. They are available to assist you Monday through Friday from 8 a.m. to 9 p.m., ET, and Saturday through Sunday from 8 a.m. to 5 p.m., ET. If you would like to contact the Auto BillPayer Department directly, they can be reached at ###-###-####. Auto BillPayer is available to assist you Monday through Friday from 8 a.m. to 5 p.m., ET. I have enclosed an additional enrollment form for your convenience. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Auto BillPayer Letters (3), Enrollment Form

Revdex.com:
I have reviewed the business's response to my complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Received a letter from The Office of the President regarding the dispute our business had with Fifth Third/ [redacted]. One of the complaint we filed was about the intials on page 3 of 4 was not ours but that of the sales representative or someone who illegally initialed the contract after we signed it. They did not have evidence that initials on the contract was ours and after doing their “investigation” was found to not be an issue. [redacted] investigated and say that we intialed the contract, but it are saying it wasn’t our initials. We wouldn’t have left a merchant who wasn’t charging an annual fee to one that does. They refused to speak to me but sent a letter instead to my husband that there would be no reimbursement because they found no fault. I would like to let this matter go. But we will discuss this with a lawyer and may have to bring it to civil court. Of course this is our word against theirs. Or we may let sleeping dogs lie. Until they come across someone who won’t let this matter go away. I hope all small business owners learn to depend on their gut instinct and not let others cloud their view on what’s right and wrong. We have to be hopeful that our fight as the underdog can get through to the corporate world.
Regards,
[redacted]

[redacted] Date: March 29, 2018 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. Your request was referred...

to this office for review and response. We are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. A case was opened with our Dispute Resolutions Department on Saturday, March 24, 2018, to research your missing Automated Teller Machine (ATM) deposit. The case number is [redacted]. We also provisionally credited the checking account for $1,240.00 on Monday, March 26, 2018. This credit is available for your use while we research the claim. The provisional credit will either become permanent or be removed depending upon the results of our investigation. Your checking account did not become overdrawn over the weekend, and no overdraft fees were charged. We strive to resolve all investigations as quickly as possible and will communicate the results of the investigation in writing once our research is complete. If you would like to contact our Dispute Resolution Department to follow up on your claim, they can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. We strive to provide professional and accurate service, and I apologize for any inconvenience this may have caused you. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 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 [redacted], and have determined that this does not resolve my complaint.    Fifth Third chooses not to uphold the guidelines in which the merchant is to abide by thus demonstrating Fifth Thirds lack of knowledge and business ethics and practices.Here is Fifth Thirds company slogan - “Curious people ask better questions… and find better answers,” said Larry M., the bank’s senior vice president and chief marketing officer, in a release. “Curiosity surfaced as an important value we wanted to affirm with our own employees: be curious about our customers’ needs, be curious about the way things could be made easier, and be curious about how we can innovate our products and services.”Clearly Fifth Third is not CURIOUS ABOUT THERE CUSTOMERS NEEDS AND OR  RIGHTS.....  [redacted]

Revdex.com:At this point we have already jumped through all of the additional hurdles created by 5th3rd. The professionalism of their manager(s) was lacking and combative. At this point we have resolved this issue on our own and would simply like to note the experience as bad. 
Regards,
[redacted]

[redacted] [redacted] [redacted] [redacted] Date: July 15, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your installment 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 or frustration this matter may have caused you. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. I 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. Our records show that you first contacted Auto BillPayer on April 29, 2016, to set up automatic monthly payments for your installment loan ending in [redacted], and your installment loan was set up with the service on May 6, 2016. Unfortunately, the incorrect start date for your automatic payments was entered in error, so Auto BillPayer did not withdraw your payment due on May 30, 2016. As a result, your installment loan became past due. On June 30, 2016, Auto BillPayer withdrew your monthly payment; however, since the May 2016 payment had not yet been satisfied, that payment satisfied your May 2016 payment rather than your June 2016 payment. As of July 14, 2016, your installment loan is still due for your June 2016 payment of $1,796.47. It was certainly not our intention to cause you any hardship. On July 11, 2016, we waived the two (2) late charges totaling $20.00 that were assessed for your May 2016 and June 2016 payments. An update was also submitted to all four (4) credit reporting agencies to remove any delinquency that was reported as a result of the May 2016 payment not being withdrawn. However, our research shows that your installment loan was not reported as delinquent to the credit reporting agencies as a result of this error. The next Auto BillPayer withdrawal is scheduled for July 29, 2016. Please note that if your due date falls on a weekend or holiday, the payment will be withdrawn on the business day prior to the due date. As our Escalations Department informed you, you will need to satisfy the June 2016 payment in order to prevent further delinquency. It is our understanding that you requested for Fifth Third Bank to cover the payment. Unfortunately, we are unable to cover this payment as it is still your responsibility. Please be aware that if you do not satisfy your June 2016 payment prior to your next payment being withdrawn on July 29, 2016, your installment loan may be reported as delinquent to the credit reporting agencies, and additional late charges may be assessed. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] [redacted] [redacted] Date: November 12, 2015 Account: [redacted] Regarding Your Credit Card Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your Fifth Third...

Bank credit card account. We appreciate the time you have taken to share your thoughts and concerns regarding this matter. On August 18, 2015, our Disputes Department opened a case for your identity theft claim. We opened case # [redacted] and began our investigation. During our research, we discovered that you had previously spoken to our Collection Department several times regarding this account. Our Collection Department agents contacted you at the phone number listed on the account. According to our notes, you did not inform the Collection Department agents that you did not open this credit card account. Instead, you made payment arrangements and even requested hardship assistance. Due to these reasons, your identity theft claim was denied by our Disputes Department. If you would like to receive any additional information about your case, you may contact our Disputes Department at [redacted] [redacted], Monday through Friday, 8 a.m. EST until 5 p.m. EST. Please be aware that this credit card account was sold to the collection company, [redacted] on January 12, 2015. If you have any additional questions about your credit card account, or if you would like to set-up payment arrangements, you will need to contact [redacted] directly since we no longer own the account. You may contact [redacted] by phone at ###-###-####, or by mail at: [redacted]. It was certainly not our intention to cause you any hardship, and we sympathize with the difficulties you have experienced. You were a valued customer and we look forward to servicing your financial needs in the future. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., EST. Sincerely, Lisa S. Office of the President Pc: Revdex.com

We believe we have addressed the customer’s concerns in our prior responses. He has provided no new information in his complaint. We will not be sending another written response, unless the customer can provide new details to his complaint. Thank you.  Pat S.Senior Consumer Resolution SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### Fax: ###-###-####Email:  [redacted]

[redacted] [redacted] [redacted] Date: October 17, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your checking account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On September 23, 2016, you disputed several transactions. The case number for your dispute is C1609999593. You notified the Dispute Department employee that you last had your debit card on September 17, 2016, and the following transactions were unauthorized: ** $803.00 Automated Teller Machine (ATM) withdrawal posted 9/19/16 with an associated $2.75 fee ** $803.00 ATM withdrawal posted on 9/19/16 with an associated $2.75 fee ** $403.50 ATM withdrawal posted on 9/19/16 with an associated $2.75 fee ** $69.16 debit card purchase at [redacted] that posted on 9/19/16 ** $350.00 debit card purchase at [redacted] that posted on 8/22/16 When the provisional credit was processed on September 28, 2016, two (2) additional transactions were credited to your account in error. The transactions credited to you in error are listed below: ** $53.38 at [redacted] that posted on 9/12/2016 ** $27.21 at [redacted] * that posted on 9/7/16 The total provisional credit provided to your account on September 28, 2016, was $2,509.25. We also waived the three (3) non-Fifth Third Bank ATM withdrawal fees of $2.75 each, and a $2.75 fee for a balance inquiry. On September 29, 2016, the $2,509.25 in provisional credits was removed from your account. Enclosed is a copy of the dispute denial letter we sent to you on September 29, 2016, stating we determined you conducted the transactions. We confirmed with [redacted] that the $350.00 transaction with them was not fraudulent, and was an authorized transaction. Additionally, [redacted] advised that the vehicle in question was still in your possession at the time the dispute was filed. [redacted] advised the vehicle was returned on September 30, 2016, in poor condition. As a result, they are unwilling to refund the hold funds you paid to them. The dispute with [redacted] is denied, and you will have to work with that merchant directly if you would like a refund. While researching your concerns, I confirmed that the ATM withdrawals and the [redacted] disputes were denied because the form submitted by the Dispute Department on September 23, 2016, stated the card went missing that same day. Because those transactions were processed prior to September 23, 2016, when the dispute form said you lost the card, those disputes were denied. I was able to review your phone call with the Dispute Department that day, and confirmed that you told the representative you last had the card on September 17, 2016. I am sorry that the information for the dispute was not relayed correctly. The remaining $80.59 in denied disputes was for the two (2) transactions that were not supposed to be included in the dispute. We reasserted your dispute claim for the ATM withdrawals of $803.00, $803.00, $403.50, and the [redacted] transaction of $69.16. As a result, your account was again provisionally credited for funds totaling $2,078.66. Please note that the Bank has forty-five (45) days from September 23, 2016, to issue a final decision regarding the dispute claim. This is not a final credit, but you will have full use of these funds while our investigation continues. The Bank’s final decision will be issued no later than November 7, 2016. If the dispute is not found in your favor, the provisional credit for the denied disputes will be removed from your account. If you would like to follow up with the Dispute Department in the meantime, they can be reached toll-free at ###-###-####. The Dispute Department is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. You mentioned that your account was being linked to your ex-husband’s account. Please be advised this is not the case. You are the only account holder listed on your checking account and the only account information and transactions available are for your checking account. However, while researching your dispute, we determined there was a possibly linked dispute case to one of the transactions you disputed. The hold on your account was placed on October 1, 2016, in relation to this activity. The hold was removed on October 17, 2016. While the hold was in place you could, and did, withdraw the funds in your checking account in person at a banking center, and your direct deposits were still able to be credited. The hold prevented debit card, check, and Automated Clearing House (ACH) transactions from posting to the account. As of October 17, 2016, you have full access for debit card, check, and ACH transactions. The balance in your checking account as of October 12, 2016, is $78.66. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Denial Letter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
The reason for my complaint still stands.  I applied for a home loan through 53rd Bank.  I started the process in August and they notified me in November I wasn't going to qualify for the loan.   It's apparent they didn't care about their customer service.  I spent months on the phone getting the run around on this loan.  I spent $450 on an appraisal.  The inspection for the house was over $500.  I had a sewer inspection, a home inspection, and a lead inspection.   I even had money earnest money tied up in this house.  I had to extend the contract quite a few times.  All because 53rd Bank couldn't get their act together.  I had to wait it out.  Otherwise, I would loose all the money.  So no I'm not satisfied.  The only way I will drop the complaint with the Revdex.com is if 53rd reimburses me the $1000.  I believe that is only fair.   
Regards,
[redacted]

[redacted] Date: September 18, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We also received the emails you...

sent to our Board of Directors. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. Each year, we review your escrow account to make sure the escrow portion of your monthly mortgage payment covers your property taxes and insurance. Federal Law allows for the collection of a reserve amount to maintain a cushion for unexpected tax and/or insurance increases. Its required balance cannot fall below the sum of two (2) months of projected Escrow Account payments at any point during the year. The lowest projected balance in the escrow account is compared to the lowest required balance. If the projected balance is greater than the required balance, a surplus can be returned to the customer. Otherwise, there is a shortage and the annual escrow analysis statement gives the customer options on how to pay the shortage. On the Annual Escrow Analysis Statement prepared on May 25, 2017, there was a shortage. I have enclosed a copy for your reference. Options to pay the shortage over either twelve (12) months or entirely were provided. When no payment towards the escrow shortage was received, it was automatically divided over the next twelve (12) months, which increased your monthly mortgage payment. Your monthly mortgage payment increased from $3,952.28 to $4,538.19 with the July 1, 2017, payment. Your payment of $3,952.28 received May 19, 2017, paid the June 1, 2017 payment. Another payment of $3,952.28 was received on June 22, 2017. It was applied towards the principal balance because the June payment had been paid, and it was less than the payment amount due for July. Any partial payments that you make are not applied to your mortgage, but instead are held in a separate unapplied funds account. When you pay the balance of the payment, the funds will then be applied to your mortgage. This information is also available on your monthly statement. Your payment of $3,952.28 was received on July 20, 2017, but it was not enough to satisfy the new July payment amount. An additional $585.91 was received on August 10, 2017, which paid the past due balance in full. In the interest of customer service, we have reapplied the July mortgage payment. It has been backdated to reflect being received on July 20, 2017. This will adjust the late fee and interest accrual. In addition, this will remove the credit bureau reporting of one (1) payment received thirty (30) days late. Please note it can take the credit bureau agencies up to thirty (30) days to reflect changes made to an account. The loan is now current and due for the September 1, 2017, payment of $4,538.19. If it is your intention to remain paid ahead, please send in another $585.91. We will combine it with the principal-only payment of $3,952.28 received on June 22, 2017. If you would like the funds to remain as a principal only payment, no further action is needed. Customers can remit their payments in the following ways: ** By using our toll-free number, ###-###-####. Please choose the # key, and then enter the loan number and the last four (4) digits of either borrower’s social security number. Option 4 will allow you to make a payment. Fees for this service vary by state. ** Fifth Third customers also have the option to make a payment to their loan from a non-Fifth Third account directly through Internet Banking. There is no fee for using this service. Customers use the “Pay Now” button to initiate these payments. ** Checks should be made payable to Fifth Third Bank and sent to the following address: Fifth Third Bank P.O. Box 630412 Cincinnati, OH 45263-0412 On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com, Board of Directors Enclosure: Escrow statement

[redacted] Date: October 4, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your installment loan....

We appreciate the time you have taken to document your thoughts and concerns regarding this matter. After Fifth Third Bank received notification from your insurance company that your policy had been cancelled on April 20, 2016, we sent notices to the mailing address on file to request proof of full coverage vehicle insurance. This is required under the terms of your installment loan contract. The notices were sent on May 2, 2016, June 6, 2016, and July 11, 2016. I have enclosed copies for your review. When we did not receive the requested proof of insurance, we added force-placed insurance costing $1,456.00 to your installment loan on July 26, 2016. As a result, your monthly payment increased from $204.39 to $366.17 beginning August 17, 2016. On August 17, 2016, Auto BillPayer withdrew your August payment of $366.17. After you contacted the Bank on August 18, 2016, we received proof of full coverage vehicle insurance from your insurance company. On August 22, 2016, the force-placed insurance was cancelled, and your installment loan was credited for the full amount of $1,456.00. Your monthly payment amount was also lowered back to $204.39, effective August 17, 2016. Since the increased payment of $366.17 was withdrawn from your account on August 17, 2016, your installment loan was overpaid by $161.78 after the force-placed insurance was removed from your installment loan. Therefore, only $42.81 was needed to satisfy your September payment. However, Auto BillPayer withdraws the amount of your regular payment each month, which is $204.39. That is why $204.39 was withdrawn from your account on September 16, 2016. Auto BillPayer does not account for any overpayments on your installment loan. On behalf of the Bank, please accept my sincere apologies for the misinformation you received. At your request, the payment of $204.39 was returned to you on September 23, 2016. On September 26, 2016, we received and posted your payment of $42.61 and back-dated it to be effective September 16, 2016. Your Auto BillPayer withdrawal of $204.39 is scheduled for October 17, 2016. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Insurance notices

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
I have spoken to [redacted] at [redacted] today and she stated she has faced the copy of your requested documents prior to your last phone call in August. She also stated she faxed them again on September 2, 2016. She has answered every phone call you have called in on and said that there was no request to return a call from you in her office. I also have a copy of the documents and have mailed them to the insurance department of Fifth Third Bank. Once again their documents show that in fact my policy was effective March 2016 and not May 20116 as you have stated.  I choose not to upload files here as these documents have sensitive information in them and per the Revdex.com site guidelines they ask that no personal information be revealed such as account numbers and social security numbers which this document contains both. We are at an impasse since Fifth Third Refuses to acknowledge the receipt of these documents and choose not to refund money that has been stolen from me. I stand by every single complaint I've filed and warn consumers to stay away from this bank. The only reason the rating isn't lower is because they continue to answer complaints not resolving the issue and customers just give up and don't respond to the claims any longer which is a shame they are getting away with taking customers money that does not belong to them and also employing rude aggressive and hateful people. Consumers have rights and these people skirt the law on many of their collection calls which can be viewed in all of my previous complaints! I will be sending these documents and all of my letters from Fifth Third Bank by mail for review of The Revdex.com where it will also show that the initial letter sent to me stated the insurance policy they purchased was for the months of March April and May 2016 not December-May as stated by this lady. I also am still being refused to repair damage done to my car in February 2016 by their insurance department despite the fact they retro charged me for a policy as stated in these claims from Fifth Third Bank. 
Regards,
[redacted]

[redacted] Date: June 20, 2016 Account: [redacted] Regarding Your Real Life Rewards [redacted] Dear [redacted]: We received a copy of your rebuttal recently filed with the Revdex.com. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your feedback is important so that we can better understand how to improve our service to you. We strive to provide quality service to all of our customers, and I am sorry for your unsatisfactory experience during your previous attempts to resolve this matter. [redacted], as I stated in our previous conversation, the Bank made an exception with your disputes case ([redacted]) and allowed the documentation you faxed to the Bank on September 30, 2015, to be reexamined. However, your disputes case remained closed during that process. The merchant involved in your dispute provided the Bank with a copy of the transaction receipt, Attorney agreement for representation, notice of appearance, court order, order on motion to withdrawal as counsel of defendant and detailed letter as proof of the validity of the charge. According to [redacted] regulations, if you would like to pursue this further, you will need to send our Disputes department an updated letter addressing the merchants’ rebuttal, including any documents you may have to support your case. Unfortunately, with the information provided to date, your dispute case will remain denied. If you would like to contact the disputes department directly, you can call them at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., Saturday, 8:30 a.m. to 5 p.m., ET. On March 30, 2016, I stated in a letter to you that the Disputes Department would send you notification of their final decision once the process was complete. However, I recently discovered that final notification does not get mailed in this type of situation. On behalf of the Bank, please accept my sincere apologies that I provided you with inaccurate information. As I stated in my previous response, in the interest of customer service, we extended the promotional rate of 0.00% for purchases and balance transfers on your Real Life Rewards [redacted] ending in [redacted]. We extended the expiration date to September 29, 2016, to provide you with extra time at the promotional rate if we were unable to approve your disputes case per [redacted] regulations. On behalf of the Bank, please accept my sincere apologies for the length of time it took to resolve your dispute. It was truly not our intention to cause you and hardship or inconvenience. [redacted], I understand your frustration with the situation and we appreciate your patience while we researched this matter for you. Your feedback helps us to identify problems and to improve the level of service we provide to our customers. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C. Office of the President Enclosure (1): Previous Response

[redacted] Date: April 14, 2017 Account: [redacted] Regarding Your Trust Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your trust account....

We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the frustration you experienced regarding this matter. Enclosed is a copy of the 2016 K-1 Tax Form that we mailed to your address listed above on March 28, 2017. Our records reflect that the K-1 Tax Form for 2015 was mailed to your address listed above on April 9, 2016. K-1 Tax Forms require more time to create and issue. IRS Regulations state that the K-1 forms are to be mailed upon completion of the 1041 Fiduciary return. That 1041 Fiduciary return is due on April 18. The IRS does allow for a five and a half month extension, if needed. I am sorry for the inconvenience of having to file tax extensions. Please note that you brought your Individual Retirement Account (IRA) to the Bank in February 2016. Because we did not make any disbursements from the IRA in 2016, we did not issue a 1099-R Tax Form for 2016. The IRA was transferred to us from US Bank. US Bank would be responsible for issuing the 1099-R Tax Form for 2016, and would have been responsible for issuing the form in 2015 as well. We will issue a 1099-R Tax form in 2018 that covers the 2017 tax year. If you have questions in the future about the Trust account or the IRA, please contact Private Client Services at ###-###-#### and ask for Marian O. However, if Ms. O. is unavailable, anyone at that phone number can assist you. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H. Office of the President Pc: Revdex.com Enclosure: Tax Form

[redacted] Date: April 10, 2018Account: [redacted] Account: [redacted] Regarding Your Checking Accounts Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your checking...

accounts. We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your checking account. It was certainly not our intention to cause you any hardship. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. I 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 accounts ending in [redacted]. As you performed the activities required by the promotional offer by depositing $2,000.00 within forty-five (45) days of account opening and maintained the balance for sixty (60) days, your account is eligible for the cash bonus. I have confirmed that your account ending in [redacted] received a cash bonus credit of $1,000.00 on March 29, 2018. We regret any frustration the delay in receiving this bonus may have caused you. We have also reviewed your account ending in [redacted]. Although your account did not maintain the required balance of $500.00 for sixty (60) days, the only transaction that brought your balance below the minimum requirement was a monthly service fee. As a result, we applied the cash bonus amount of $300.00 to your account on March 30, 2018. We have also reviewed your request to waive the monthly service fees on your account. On April 3, 2018, in the interest of customer service, monthly service fees in the amount of $11.00 were credited to your account ending in [redacted] and monthly service fees totaling $15.00 were credited to your account ending in [redacted]. I have also enclosed your most recent statements for both accounts, which explain the ways to waive the monthly service charges on page one (1) of each statement. As there were no errors with the remaining fees assessed to your account ending in [redacted], we are not willing to waive additional fees at this time. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Office of the President Pc: Revdex.com

[redacted] Date: August 17, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received the additional complaint you filed with the Revdex.com regarding your mortgage loan. We appreciate the 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 you. However, we believe that we have sufficiently resolved your concerns and we stand by the response conveyed to you in our previous letter sent to the above address on August 4, 2017. For your reference, I have enclosed a copy of our prior correspondence. Our position on this matter has not changed. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W.Office of the President Pc: Revdex.com Enclosure: Prior Correspondence

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  I understand I signed a commitment letter. The problem I have is that I was called by my loan officer to pay $350 for an appraisal. When I cancelled the appraisal I assumed I would get a refund. I know I have no power over the bank and I have to deal with losing the money. I will not agree with the response as the banks costs for the application do not add up to $350.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   I would like it noted that the policy of having [redacted] or any other vendor on a 3 way call is time wasted by me, by the Fifth Third representative and [redacted] admitted the mistake but the Fifth Third representative still refused to credit the money back. ]
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: March 7, 2016 Account: [redacted] Regarding Your Credit Card Account Dear [redacted]: We received your complaint filed with the Revdex.com regarding the limit decrease on...

your credit card account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please accept my sincere apologies for any inconvenience this matter may have caused you. It is certainly not our intention to cause you any frustration or hardship. In order to meet our commitment to responsible lending practices while balancing our customers’ financial needs, Fifth Third Bank periodically reviews your credit bureau information and existing account performance in order to determine your current financial condition and continuing eligibility for your credit card account. In your case, we determined that it was necessary to reduce your credit limit from $3,200.00 to $1,100.00 effective in February 2016. Based on our review, your credit limit was decreased due to the number of cash advances in the last 6 months, the proportion of balances to credit limits too high on revolving accounts, the ratio of balances to credit limits on revolving accounts is too high, and your current deposit balances. As a result, a notification letter detailing these findings was sent to you on February 12, 2016. We are unable to adjust the credit limit on your credit card at this time, as you have requested. However, you are welcome to contact our New Accounts department to request a credit limit increase in six (6) months time. Our New Accounts Department can be reached directly at ###-###-####, Monday through Friday, 8 a.m. EST to 8 p.m. EST, and Saturday, 8 a.m. EST to 5 p.m. EST. Our decision was based in part from information obtained from [redacted]. If you dispute the accuracy or completeness of information contained in your [redacted] credit report, you have the right to dispute the matter directly with the credit reporting agency. [redacted] can be reached using the information below: [redacted]-Consumer Relations 2 Baldwin Place, PO Box 1000 Chester, PA 19022 ###-###-#### http://www.[redacted].com/direct Thank you for this opportunity to respond to your concerns. Your feedback is important to us so that we can better understand how we can improve our service to you. You are a valued customer and we look forward to serving your future financial needs. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., EST. Sincerely, Lisa S.Office of the President Enclosure: Credit limit decrease notice Pc: Revdex.com