PROCORPSA

[redacted] Date: October 21, 2015 Account: [redacted] Regarding Your Fifth Third Bank Platinum [redacted] Dear [redacted]: We received a copy of the complaint you filed with the Better...

Business Bureau, regarding your Platinum [redacted] benefits. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the level of service you received from our Customer Service Department. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your letter, I forwarded your concerns to the relevant parties in our Customer Service Department. I also want you to know that our senior and executive management teams review customer feedback as part of our ongoing commitment to improving our customers’ satisfaction. However, I cannot inform you to specific internal actions that may be taken. On September 20, 2012, your application for a Platinum [redacted] was approved. At that time, the Platinum [redacted] was automatically enrolled in the reward point program. Beginning on February 18, 2014, the Bank no longer offered the reward point program to new applications for the Platinum [redacted]. However, existing cardholders, like yourself, were grandfathered into the reward point program. Real Life Rewards is the name of our internal rewards program offered on a variety of our products. Along with the Real Life Rewards program, the Bank, in conjunction with [redacted], offers a variety of additional benefits to our cardholders. For your convenience, I have enclosed a copy of the benefits associated with the Fifth Third Platinum [redacted]. Fifth Third Bank does offer a variety of [redacted] products to our customers. Each product has a unique set of features and benefits to meet the different needs of our customers. As you mentioned in your phone conversation with our customer service agent on October 12, 2015, the Real Life Rewards [redacted] does provide cardholders with [redacted] Insurance. This benefit is not provided with the Platinum [redacted]. Since [redacted] Insurance is not a benefit associated with the Platinum [redacted], the Bank is not willing to reimburse you for the $250.00 deductible for your rental car. 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, Patrick S. Office of the President PC: Revdex.com Enclosure: Platinum [redacted] Benefits

[redacted] Date: December 30, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint filed with the Revdex.com concerning your...

installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. It was certainly not our intention to cause you any undue hardship and we sympathize with the difficulties you encountered. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. Please be assured that we have contacted the relevant parties to express your dissatisfaction and passed on your concerns. On November 20, 2015, we received a payment in the amount of $25,504.30 that served as the full payoff of your installment loan. We have confirmed that your installment loan was paid off on November 23, 2015, with an effective date of November 20, 2015. Our records show that a refund check in the amount of $13.23 was mailed to you and your installment loan was closed on December 8, 2015. You should have received our notification letter confirming that your loan has been paid off and closed with a zero balance owed. Auto BillPayer had a regular payment scheduled to be made on November 23, 2015. You had previously agreed to allow Auto BillPayer to make your regular payments on the 23rd of each month. Unfortunately, a payment was already pending when we processed your payoff payment on November 23, 2015. Therefore, a payment in the amount of $575.00 was drafted out of your checking account, as scheduled. According to the Auto BillPayer Terms and Conditions, that you agreed to when you signed up for the payment service, you were required to provide notice to Auto BillPayer if your loan was to be paid off and closed. Page 16, section 3 of the enclosed Terms and Conditions booklet states that a customer is required to notify Auto BillPayer when your account status changed. I apologize if you were unaware of this requirement. Please be assured that a refund check in the amount of $575.00 was mailed to the address listed above on December 18, 2015. After a loan is closed, we wait ten (10) days before issuing refunds. We do this to ensure no accounting errors have been made prior to issuing lien releases and refund checks. I apologize if you were told otherwise. If you have not received the refund check, please contact me directly at the phone numbers listed below and I will be happy to further research this matter. We regret the frustration this matter has caused you. However, since you signed an agreement to allow Auto BillPayer to make your loan payments on the twenty-third (23rd) of each month, and you did not cancel the payment service prior to paying off the loan, we will be unable to waive any fees you were charged by your bank.  We appreciate the opportunity to research your concerns. We truly valued your business and we certainly hope you will consider using Fifth Third Bank for your financial needs in the future. 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, Lisa S. Office of the President Pc: Revdex.com Enclosure: Terms and Conditions Applicable to Fifth Third Express Banking

[redacted] Date: October 19, 2016 Accounts: [redacted] Regarding Your Savings Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your savings account. We appreciate...

the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. A savings account is determined to be dormant if there are no deposits or withdrawals for thirty-six (36) months. On November 19, 2013, your savings account ending in [redacted] was considered dormant because there had not been any deposits or withdrawals in the past thirty-six (36) months. Your November 2013 statement contained the following message informing you of the dormant status: OUR RECORDS INDICATE THAT YOUR ACCOUNT HAS HAD NO ACTIVITY FOR SOME TIME AND FOR YOUR PROTECTION IT IS NOW CONSIDERED DORMANT. FOR MORE INFORMATION ON HOW THIS MAY AFFECT YOUR ACCOUNT, PLEASE CONTACT YOUR BANKING CENTER. I have enclosed a copy of your November 2013 statement for your review. Unfortunately, once a savings account becomes dormant, it is not accessible via Internet Banking or ATMs (Automated Teller Machines). That is why you were unable to complete the online transfers you initiated, or make a deposit into an ATM. In order to activate a dormant account, you need to make a deposit or withdrawal in person at a Fifth Third Bank banking center. I am sorry for any frustration this may have caused you. On October 12, 2016, you made a deposit of $3.00 into your savings account at the [redacted] Banking Center. Your savings account is no longer in a dormant status. On October 13, 2016, you transferred $503.00 from your savings account to your checking account ending in [redacted]. Please keep in mind that if you do not make any deposits or withdrawals within thirty-six (36) months, your savings account will become dormant again in the future. It was certainly not our intention to cause you any hardship. However, we are unable to provide you with any monetary compensation. I would also like to thank you for your feedback regarding the availability of Fifth Third Bank’s services to our customers. Please be assured that our senior and executive management teams review customer feedback to improve our customers’ satisfaction, and your feedback has been taken under advisement. Thank you for your patience while we conducted our research. We value your business, and we look forward to continuing our banking relationship with 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, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Statement

[redacted] [redacted] [redacted] Date: January 13, 2017 Account: [redacted] Regarding Your Recent ATM Withdrawal Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your...

recent ATM withdrawal. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. I also want to thank you for taking the time to speak to me on January 5, 2017. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We strive to provide exceptional service each time you visit one of our banking centers, and I am sorry that was not your experience. 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. After reviewing your checking account ending in [redacted], we waived fees totaling $6.75 in the interest of customer service. The fee waivers posted to your account on January 5, 2017. We were unable to waive the fee of $3.00 you incurred by the owner of the ATM (Automated Teller Machine) because it was not assessed to by Fifth Third Bank. So, in lieu of waiving the $3.00 fee, we waived a cashier check fee of $4.00 in addition to the ATM fee of $2.75 that you incurred by Fifth Third Bank. Please be aware that we cannot guarantee that an ATM will be operational at all times, and future non-Fifth Third Bank fees may not be waived. You also mentioned during our telephone conversation that you sent a message to the Bank regarding the ATM fees assessed to your account. However, in conducting our research, we were unable to locate any messages received from you. 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] Date: January 22, 2016 Account: [redacted] Regarding Your Fifth Third Bank Access [redacted] Card Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, concerning...

the difficulties you experienced with your Access [redacted] transaction dispute. We appreciate the time you have taken to express your concerns regarding this matter. Your comments expressing less than quality customer service are very concerning. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. We sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to us. Feedback like yours helps us identify problems and improve the level of service we provide to our customers. Please be assured that the relevant parties have been contacted to express your dissatisfaction with the service you received. Although the Access [redacted] Card was issued by Fifth Third Bank, [redacted] is the servicer of the card. Upon receiving your complaint, we contacted [redacted] on your behalf to investigate the disputed transaction. Enclosed please find a letter mailed to you on September 25, 2015, requesting more information about your dispute. Our research determined the provisional credit was removed from your Access [redacted] card when your dispute was denied. [redacted] denied your dispute because the merchant states they have not received the merchandise from you. In your letter, you mention you have proof that the merchandise was returned. If you have proof that the merchant has received the returned merchandise, please contact [redacted] at ###-###-####. We also suggest contacting the merchant to provide them with a tracking number for the returned item. You can also fax this documentation to [redacted] at ###-###-####. Included with your fax should be a request to re-open the dispute claim, proof of the returned merchandise, and the last ten (10) digits of your account for verification. It was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matter. You are a valued customer and we hope you will allow us to serve your financial needs in the future. If I could be of further assistance to you please contact me directly at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Status of Dispute Letter

[redacted] [redacted] [redacted] Date: September 28, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: Thank you for contacting the Bank, regarding your checking account ending in [redacted]....

We appreciate the time you have taken to express your concerns regarding this matter. We are very sorry if our attempts to explain the Overdraft Coverage policy 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 concerns. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter may have caused you. We strive to offer our customers products that are convenient and beneficial while remaining competitive within the industry. Some checking accounts have the Overdraft Coverage option, which allows a customer to complete a one-time debit card transaction or ATM withdrawal even if there are insufficient available funds in the account to cover the full amount of the transaction. Our records indicate that you accepted Overdraft Coverage for ATM transactions and one-time debit card transactions on August 7, 2014. A letter confirming your acceptance of Overdraft Coverage was mailed to you at the address on file at that time. For your records I have included a copy of this letter. It should be noted that a block placed on your debit card does not affect the Overdraft Coverage option you have chosen on your checking account. Therefore, the Overdraft Coverage option does not change if you are issued a new debit card for your checking account. On September 14, 2015, the balance in your checking account was $528.28. Fifteen (15) items totaling $666.20 posted to the account that day, creating an ending balance of negative ($137.92). Due to non sufficient funds ten (10) overdraft fees totaling $370.00 were assessed and posted the following business day. The ending balance was negative ($507.92). An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fees assessed. On September 15, 2015, the balance in your checking account was negative ($137.92). A deposit of $200.00 was credited to your account. However, three (3) items totaling $459.45 posted to the account that day, creating an ending balance of negative ($397.37). Due to non sufficient funds one (1) overdraft fee of $37.00 was assessed. The ending balance was negative ($434.37). An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fee assessed. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. In the interest of customer service, we waived a total of $74.00 in overdraft fees as a courtesy on September 16, 2015. On September 16, 2015, you were also opted out of Overdraft Coverage. Therefore, any debit card purchases and (ATM) withdrawals are declined when there is not enough money in your account, and as a result, will not be charged an overdraft fee for these types of transactions. However, Overdraft Coverage for checks and ACH electronic payments comes standard to your checking account. If there are insufficient funds in your account when these types of transactions are processed, your checks and electronic payments will be returned unpaid, and are still subject to overdraft fees. Electronic payments do not show as pending against the account during the day because they are not preauthorized like debit card transactions. Because checks and electronic payments do not have a preauthorized timestamp, these types of transactions are processed at the end of the business day. To prevent an overdraft situation, you have the ability to review your account at an ATM (Automated Teller Machine), on our website at www.53.com, or by calling our Customer Service Department at ###-###-####. If the account becomes overdrawn, we also send you an overdraft notice that includes a detailed breakdown of the day’s transactions. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions. This guide provides additional information related to the overdraft fees that we assessed to your account. We also offer ways to track your balance and manage accounts to help avoid overdraft fees on your accounts in the future. We sincerely hope this information will help you understand the Bank’s position going forward and resolve your needs. If I could be of further assistance to you, please call me at [redacted], or toll free at ###-###-####, Monday through Friday, 8 **m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President Enclosures: Overdraft Notices and Overdraft Solutions

I spoke to [redacted] today and he indicated that everything has been taken care of and he’s pretty much forgotten about the issue he had with the Banking Center.  Thank you so much for your help! Jennifer  C.Fifth Third Bank, Office of the President

[redacted] Date: November 1, 2017 Account: [redacted] Regarding Your Access 360º Card Dear [redacted]: We received copies of the complaints you submitted to the Revdex.com and [redacted] regarding your Access 360º Card. 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Between August 22, 2017, and September 28, 2017, you disputed sixteen (16) transactions on your new Access 360º Card ending in [redacted]. Out of the sixteen (16) disputed transactions, thirteen (13) were decided in your favor, one (1) was denied, and two (2) are still outstanding. The following disputes were decided in your favor: $7.80 [redacted] $145.00 [redacted] $170.00 [redacted] $3.20 [redacted] $3.23 [redacted] $24.54 [redacted] $23.20 [redacted] $5.00 Unknown Merchant $20.00 Unknown Merchant $7.04 [redacted] $10.99 [redacted] $14.00 [redacted] $10.00 ** Although two (2) of the transactions are from an unknown merchant, we believe that the transaction of $5.00 was either from [redacted] or [redacted], and we believe the transaction of $20.00 was from [redacted] or [redacted]. The dispute of the [redacted] purchase of $27.76 was denied. The following disputes are still outstanding, and no decision has been made yet: $36.70 [redacted] still outstanding $9.94 [redacted] still outstanding We strive to resolve all disputes in a timely manner. Please note that the outstanding disputes may take up to sixty (60) days for resolution. If the disputes are decided in your favor, the previously provided temporary credits will become final. If the disputes are not decided in your favor, the previously provided temporary credits will be debited from your account balance. If you have any questions regarding your disputes, please call our vendor, [redacted], at ###-###-####, twenty-four (24) hours a day, seven (7) days a week. Our records show that you closed the Access 360º Card ending in [redacted] and transferred the balance to a new Access 360º Card ending in [redacted] on October 4, 2017. However, please note that the block was removed from the card in error and should have remained on the card. We subsequently placed a block on the new card ending in [redacted]. Again, the block was removed in error again on October 10, 2017, and you took a cash advance of the $87.22 balance on the card. Upon completion of our research, we will close the card. You also mentioned a disputed purchase of $437.00 at [redacted] in [redacted]. We have no record of this transaction, or any disputes filed for that amount. In order to research this transaction further, we will need additional information such as the date of the transaction and account used to make the purchase. You may call me at either number below to provide this information. Thank you for your patience while waiting for a response. 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]

Regarding the attached correspondence from [redacted], since there is no additional to provide at this time, I will wait until the scheduled follow up date of June 17, 2016, before providing the customer with an additional response. If the account is reporting correctly at that time, the customer will not receive an additional response from us. If the reporting is still incorrect at that time, we will send another response to the customer informing him that the account is still not reporting correctly, and that another update has been submitted to the credit reporting agencies.Typically, as stated above, if the account is reporting correctly at that time, the customer will not receive an additional response from us. However, in the interest of customer service, I will be sure to contact the customer by phone on June 17, 2016, to discuss the reporting of the account at that time.Thanks,Adam P.Consumer Resolution SpecialistFifth Third Bank | Office of the President

[redacted] Date: July 15, 2016 Account: [redacted] Regarding Your Vehicle Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your vehicle 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. The State of [redacted] is an Electronic Lien and Title State. This means that when a borrower satisfies their loan obligation to the Bank, the Bank will release the lien electronically to the [redacted] Department of Motor Vehicles (DMV). Once the DMV receives the lien release, they will remove Fifth Third Bank’s lien from the title record and mail a lien-free paper title to the registered owner’s address listed on the current vehicle registration. On April 25, 2016, your vehicle loan ending in [redacted] was closed as paid in full. On May 3, 2016, we sent the lien release electronically to the [redacted] DMV. I have enclosed a copy of the notice we sent to the mailing address on file to inform you of the lien release. In order to obtain your title, you will need to work with the DMV directly. Unfortunately, since Fifth Third Bank released the lien electronically per our standard process, we are unable to provide you with any compensation for the cost of obtaining your title. Thank you for your patience while waiting for a response. It was certainly not our intention to cause you any hardship. 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: Lien release notification 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. 
Regards,
[redacted]  We use bill pay to pay our monthly bills. The night before they were to come out we realize that we hadnt made a deposit. We tried to stop the payments for the next day. The online banking would not allow it. We received approximately $260 in fees due to the computer errorDesired Outcome: Refund the fees

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted] I have not here from 53th bank in a good way but I have done something for myself and getting your company involved was a good thing and they have taking me off the check system thing so now I can open up a account with the credit union. Thanks a lot for your Help to make things right with me and the check system company.

[redacted], On March 30, 2016, the Office of the President responded to [redacted] regarding his dispute case and stated the following: As I stated in our prior response sent on March 3, 2016, the disputes resolution department is currently reviewing your case ([redacted]). After the review process is complete, the disputes department will send you notification of their final decision. 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.  If [redacted] has additional questions about his dispute case, please advise him to contact the Disputes Department directly with the above contact information. Thank you,  Jennifer L. C.Fifth Third Bank, Office of the President

[redacted] [redacted] [redacted] Date: July 18, 2016 Account: [redacted] Regarding Your Credit Card Account Dear [redacted]: We received a copy of the complaint you filed with Revdex.com. We appreciate the time you have taken to...

document your thoughts and concerns regarding the collection calls you received. Please be assured that Fifth Third Bank takes your feedback seriously. Our Collection Department begins making calls to customers when a payment is not received by the due date. They are a failsafe the Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8 a.m. until 9 p.m., including holidays. Several calls may be placed each day in an effort to remind customers that a payment is due and to obtain payment arrangements. This policy complies with all applicable laws and regulations. In researching your concerns, I could not locate a copy of your previous letter to the Bank. It was certainly not our intention to cause you any frustration or inconvenience. If you believe that there was unauthorized account activity, please contact our Disputes Department directly. They can be reached toll-free at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, and Saturday, 8:30 a.m. to 5 p.m. Please be advised that the credit card was closed on June 6, 2016. I waived a late fee and a finance charge for a total of $22.00. The account is now at a zero (0) balance. In response to your specific request, we have removed the telephone number ###-###-#### from our records. I appreciate this opportunity to respond to your concerns. You are a valued customer and I apologize for any inconvenience these matters may have caused you. If I could be of further assistance, 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

Please see attached documentation showing that I had sufficient funds. I also have issues with the automatic bill payer program, please have Fifth Third contact me. Thank you.

Problem: Last night I waited until 11:58pm - 11:59pm - 12:00am - 12:01am to see if anything comes through my account . There was nothing . I took pictures of the screen with those times shown on my ipad. This morning when I woke up, I was charged $74 again. 53 Bank rips money from people like me by processing transactions at after midnight but still charges overdraft. I have proof of what they do is illegal. No basis I need to be refunded. If not this time my screen shots will be on the news....Desired Outcome: refund immediately

Please find below the text of the letter and enclosure being mailed to the customer. All other enclosures have been provided with our original response. Thank you. [redacted] Date: February 15, 2017 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We received your original complaint filed with the Revdex.com on January 5, 2017. We received your follow up complaint on February 7, 2017. However, we stand by the response conveyed to you in the previous letter sent on February 3, 2017. I have enclosed a copy of that prior correspondence, our position on this matter has not changed. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your installment loan. 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 have not met 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. As mentioned in our original response, we determined you did not provide the Bank proof of insurance on your vehicle from March 25, 2016, through December 2, 2016. Per the terms of your security agreement, the Bank purchased an insurance policy to cover your vehicle from March 25, 2016, through March 25, 2017. Upon receiving proof of your insurance, the Bank purchased insurance policy was cancelled and your installment loan was refunded $391.00. Please use the below breakdown as verification of your payments toward the force placed insurance policy. As of February 9, 2017, the remaining balance on your insurance policy is $318.19. Payment Date Amount to [redacted] Balance 6/24/2016 $1,426.00 Rebate $391.00 $1,035.00 7/19/2016 $33.57 $1,001.43 7/26/2016 $33.55 $967.88 8/2/2016 $30.68 $937.20 9/7/2016 $31.25 $905.95 9/12/2016 $36.09 $869.86 9/21/2016 $30.68 $839.18 10/25/2016 $41.64 $797.54 11/1/2016 $41.66 $755.88 11/8/2016 $11.32 $744.56 12/2/2016 $115.00 $629.56 12/5/2016 $21.56 $608.00 1/4/2017 $65.55 $542.45 1/23/2017 $115.00 $427.45 2/01/2017 $109.26 $318.19 Amount Owed $318.19 Please find enclosed a copy of a payment breakdown. Included in this breakdown is your payment due date (the 9th of every month), the date you made a complete loan payment, the number of days your loan was past due, and the payment date satisfied by each payment. On February 1, 2017, the Bank received and processed your payment of $338.84. This payment satisfied your December 9, 2016 payment. The Bank has not received your payment due January 9, 2017, or February 9, 2017. As of February 9, 2017, the amount to bring your account current is $720.45. This amount includes the following: Regular Payment due February 9, 2017 $297.69 Past due balance January 9, 2017 $ 19.99 Force Placed Insurance Balance $318.19 Late Charges $ 84.58 Total Amount Due $720.45 If you make the payment of $720.45 prior to the end of your grace period, February 19, 2017, your payment due March 9, 2017, would revert to your normal payment of $182.69. It should be noted, the Collection Department considers repossession of property when an installment loan becomes more than sixty (60) days past due. As mentioned above, the Bank has not received your installment loan payment due December 9, 2016. Because of the force placed insurance dispute, we have worked with the Collection Department to ensure your vehicle would not be sent for repossession at this time. However, a payment to satisfy the past due balance is due immediately. It was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. We value your relationship and look forward to fulfilling all of your financial needs for years to come. 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, Patrick S.Office of the President PC: Revdex.com Enclosure: Security Agreement Proof of Insurance letters (3) Payment Breakdown

It will be in my Finace's name.  [redacted].  [redacted]  ###-###-####

[redacted] Date: March 24, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding a recent overdraft on...

your checking account. We appreciate the time you have taken to share your thoughts and concerns regarding this matter. It was certainly not our intention to cause you any undue frustration and we sympathize with the difficulties you encountered with your account. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused Ok you. Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. Our Consumer Contact Center strives to provide professional and accurate service during every telephone call they receive throughout the day. Due to this reason, our Customer Service Professionals will attempt to ensure that every effort is taken to resolve any issue that you bring to their attention versus transferring your telephone call. I am sorry if your telephone call experience did not meet the same high standard. If your available balance is not sufficient to cover items that post to your account, the posted items may be returned unpaid and subject to overdraft fees. The per item overdraft fee is based on the number of occurrences in the last twelve (12) months. For the first occurrence, you will be charged $25.00 per item. For any additional occurrence, the charge is $37.00 per item. Should the account become overdrawn, we also send an overdraft notice via standard mail to inform you of the occurrence, which includes a detailed breakdown of the day’s transactions. I have enclosed a copy of our Rules & Regulations handbook that you received and agreed to when signing a signature card to open the checking account. Pages 2, 11, and 12 provide additional information regarding overdraft and the related fees. Page 2 also explains that a $2.00 fee will be charged for all non-Fifth Third Bank ATM (Automated Teller Machine) transactions. Your checking account became overdrawn on March 14, 2016, when the beginning balance in your checking account was $2,226.28. Five (5) debit transactions totaling $2,228.28 posted to the account that day, creating an ending available balance of negative ($2.00). One of the transactions that posted to your account was a $2.00 non-Fifth Third Bank cash withdrawal fee for the cash withdrawal made at a Jeanie machine. However, your account was not charged any overdraft fees due to this activity because the negative balance was less than $5.00. On March 15, 2016, the beginning day balance in your checking was negative ($2.00). One (1) debit card transaction to Food Barz for $3.11 posted to your account. Your ending day balance was negative ($5.11). Since you did not have enough funds in your account to cover this transaction, your account was charged one (1) overdraft fee of $37.00 on the following day. Because you have already had the maximum of $74.00 in courtesy fee waivers in a twelve-month period, we are unwilling to reverse any additional fees. You may want to consider adding Overdraft Protection to your checking account. We offer several types of overdraft protection. We can connect a second account such as another checking account or savings account, or you can apply for a credit card or equity line, which can be connected to your checking account in order for funds to be automatically transferred in case of an overdraft situation. With Overdraft Protection, you are charged one (1) Overdraft Protection transfer fee of $12.00 instead of an overdraft fee of $25.00 per item for the first overdraft occurrence, or $37.00 per item for each additional occurrence. If you would like more information about Overdraft Protection, please feel free to contact me using the information provided below. You can also visit your local Financial Center or contact our Consumer Contact Center at ###-###-#### to setup Overdraft Protection for your checking account. We appreciate your patience while waiting for a response. You are a valued customer and we hope you will allow Fifth Third Bank service your financial needs for many years to come. 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 Enclosure: Terms & Conditions

[redacted] Date: June 21, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your checking account....

We appreciate the time you have taken to document your thoughts and concerns regarding this matter. To maintain the security of your personal and account information, I am sending this letter to the address we currently have on record for you. I noticed that the address you use in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your complaint. I encourage you to call customer service to make sure your contact information is properly updated. Customer service 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. On behalf the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. We strive to provide exceptional service to our customers, and I am sorry that was not your experience. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. I also want you know that customer feedback is reviewed by senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Fifth Third Bank processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order: 1. Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability Policy. 2. Time-stamped debits, such as Automated Teller Machine (ATM) withdrawals and debit card purchases, in the order in which they are authorized. 3. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges in the order of the largest amount to the smallest amount. Time-stamped debits appear in your account as pending items until they are posted. Other debits, including checks and electronic bill payments, are not pre-authorized by us and do not include a timestamp. Therefore, these items will not appear in your account until they are posted at the end of the business day’s overnight processing. Checks and electronic bill payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized by you to be paid and collected for payment from Fifth Third Bank. In your complaint, you mention three (3) specific overdraft occurrences. The first (1st) occurrence was on May 3, 2017. On that day, the beginning balance in your checking account was $247.91. One (1) merchant credit of $12.75 posted to your account. No other credits posted to your account on that day. Nine (9) items totaling $356.82 were debited from your account. These items were posted in the following order: 1. Debit Card Purchase $18.13 Time-Stamped 05/02/17 4:36 p.m. 2. Debit Card Purchase $3.14 Time-Stamped 05/02/17 5:06 p.m. 3. Debit Card Purchase $24.24 Time-Stamped 05/02/17 8:59 p.m. 4. Debit Card Purchase $7.46 Time-Stamped 05/02/17 10:40 p.m. 5. Merchant Payment $53.57 Time-Stamped 05/03/17 10:52 a.m. 6. Merchant Payment $3.09 Time-Stamped 05/03/17 10:57 p.m. 7. Merchant Payment $11.74 Time-Stamped 05/03/17 1:13 p.m. 8. Merchant Payment $36.70 Time-Stamped 05/03/17 4:55 p.m. 9. Insurance Payment $198.75  On that day, your account had a negative ending balance of ($96.16). Due to insufficient funds for the insurance payment one (1) overdraft fee of $37.00 was assessed and posted to your account the following business day. Please note that since the insurance payment was not a time-stamped debit, the item would not have appeared in your account until it was posted at the end of the business day’s overnight processing. On May 4, 2017, you made a cash deposit of $850.00 to bring your account to a positive balance. The second (2nd) occurrence you mentioned was on May 5, 2017. On that day, the beginning balance in your checking account was $16.84. No credits posted to your account on that day. One (1) web-initiated payment of $41.00 posted to your account resulting in a negative ending balance of ($24.16). Due to insufficient funds one (1) overdraft fee of $37.00 was assessed and posted to your account the following business day. On May 9, 2017, one (1) ATM deposit of $100.00 and one (1) direct deposit of $218.57 posted to your account bringing it to a positive balance. The third (3rd) occurrence you mentioned was on May 22, 2017. On that day, the beginning balance in your account was $4.39. No credits posted to your account on that day. Two (2) items totaling $68.38 were debited from your account. These items were posted in the following order: 1. [redacted] $36.33 2. [redacted] $32.05 On that day, your account had a negative ending balance of ($63.99). Due to insufficient funds for both items two (2) overdraft fees totaling $74.00 were assessed and posted to your account the following business day. On May 24, 2017, one (1) ATM deposit of $165.00 was credited to your account bringing it to a positive balance. Your account also became overdrawn on May 10, 2017, and June 8, 2017. I have included copies of all overdraft notices we sent to you since May 3, 2017, for your review. On June 9, 2017, you closed your personal checking account with a zero (0) balance. It was certainly not our intention to cause you any hardship. Our records show that we waived overdraft fees totaling $74.00 in the past twelve (12) months. We are unable to waive any additional fees per our bank policy. Thank you for your patience while we conducted our research. We regret that you felt the need to close your personal checking accounts. 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: Overdraft Notices