PROCORPSA

[redacted] Date: September 19, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your additional rebuttal filed with the Revdex.com regarding your vehicle loan. We have reviewed your continued concerns. As advised in our previous responses, according to our insurance center, your comprehensive insurance coverage was cancelled on December 16, 2015. A new policy was written on March 30, 2016, that included comprehensive coverage. However, the effective date for this policy was May 24, 2016. Subsequently, the Bank purchased comprehensive insurance coverage, on your behalf, that was in effect from December 16, 2015, until May 24, 2016. In your most recent rebuttal, you requested that we contact your [redacted] Insurance agent, [redacted], once again to request that she provide us with proof of comprehensive coverage. I contacted [redacted] by telephone on August 26, 2016. I advised her that we had not received a copy of the Declaration page from your insurance policy to show proof of insurance on your vehicle that is held for collateral on your installment loan. She shared that she was going to review your insurance policy again and if you had comprehensive insurance coverage, she would fax to me directly the Declaration page from your policy. I provided [redacted] with my direct fax number, ###-###-####. I did not receive a fax from your insurance agent, nor did I receive a call back from her in the days to follow. I contacted her office again on August 30, 2016, and left a message requesting that she contact me back regarding this matter. As of today, she has not returned my phone call. Our response on this matter has not changed. In order for us to continue the research into this matter, we will need to be provided with the Declaration page from your insurance policy that shows that you had comprehensive coverage on your vehicle. Until we receive this requested documentation, we will consider this issue closed and no longer respond to you regarding his matter. We appreciate the opportunity to review this matter. 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., ET. Sincerely, [redacted] Office of the President Pc: Revdex.com

[redacted] Date: May 16, 2016 Account: [redacted] Regarding Your 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. We completed a review of the installment loan account ending in [redacted]. On March 29, 2016, we received the enclosed Auto BillPayer enrollment form, and your request for automatic payments was processed. The enclosed letter was sent to you, informing you that Auto BillPayer will automatically pay your account every month starting April 6, 2016. As explained in this letter, on April 6, 2016, a payment in the amount of $334.03 was processed by Auto BillPayer. In addition, on April 1, 2016, you scheduled a payment to the installment loan to be processed on April 4, 2016, via 53.com in the amount of $334.03. On April 7, 2016, you requested for the overpayment to be reversed and credited to your checking account ending in [redacted]. As explained during your telephone call with the Bank, this request would take three (3) business days to be completed. On April 12, 2016, we reversed the payment in the amount of $334.03 from the installment loan account. We also completed a review of the payoff information that was provided for the account, which included the following: ** On April 8, 2016, at 12:13 p.m. a payoff quote was requested through the automated system. The payoff amount quoted at this time was $19,429.89, with a per diem of $3.34. ** On April 13, 2016, at 10:20 a.m. a payoff quote was requested to be sent via mail and the enclosed letter was sent to you. The payoff amount at this time was $19,780.97, with a per diem of $3.39. ** On April 20, 2016, at 12:50 p.m. a payoff quote was requested through the automated system. The payoff amount quoted at this time was $311.37, with a per diem of $0.05. Our review of the account determined that the initial payoff quote requested on April 8, 2016, was requested prior to the payment being reversed on April 12, 2016. The payoff amount as of April 13, 2016, was $19,780.97. Because we received a payment in the amount of $19,466.60, that payoff for the installment loan was not satisfied. The account was still active and enrolled for automatic payments through Auto BillPayer, and on May 6, 2016, the final payoff in the amount of $311.71 was processed, and the account was closed. Because there was no overpayment made to the account, we will not accommodate your request for a refund. I apologize for any further frustration this may cause you. 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, April Q. Office of the President Pc: Revdex.com Enclosures: Auto BillPayer Enrollment Form, Auto BillPayer Letter, Payoff Letter

[redacted], I have read the most recent rebuttal from [redacted] and he does not provide any new information from his previous rebuttals.Our position on this matter has not changed. We have been requesting a copy of the Declaration Page showing proof of comprehensive coverage for several months. We have contacted [redacted] directly numerous times and have been provided the same information each time.  I can assure you that his insurance agent has not attempted to contact me directly, as requested in my previous responses. I would be happy to speak to his insurance agent.  My direct phone number has been provided in each of my responses. We still consider this issue closed and will no longer respond to [redacted] unless new information is received from him or his insurance company. Thank you, [redacted]| Fifth Third Bank Customer Care Specialist II| Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263P: ###-###-#### F: ###-###-#### email: [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.  They think an apology is good enough.  Well it's not!  First of all, you don't treat clients like I was treated.  I went through hell with 53rd Bank for 4 months waiting to get a home loan. They didn't care then and surely don't care now.  This loan originated in August 2015.  They contacted me at the end of November 2015 to tell me I wouldn't qualify for the loan. They kept leading me to believe everything would go through on this loan. I paid for an appraisal,  different inspections,  multiple contract extensions, and earnest money.  If they didn't lead me to believe the loan would go through, I wouldn't of invested my hard earned money to try and get this house.  I'm a single mom with 2 kids.  They didn't care then, and sure don't care now. I guess their apology is going to make everything right. No bank will take 4 months to tell you that your loan didn't qualify!  The loan was handled by 3 different people in multiple states.  Each and everyone of them dropped the ball.  I'm a first time home buyer and this was  big decision for me.  As it should be.  I'm out of the money along with being out of a house!  I hope anyone and everyone see's my complaint about 53rd Bank before thinking about getting a loan through them.  I'm going through a different bank and qualifying for the loan. 
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.  The check does not show the entire amount that was removed from my checking account the total amount was $15,266.00 that was removed from both accounts. The problem that still exist is that the check I was informed, was not received by the courts and it is showing on my credit report as amount owed. Second, the remaining money that was removed $5,043.52 Fifth Third bank I was informed, they do not know what happened to it. I'm currently waiting for information from the courts to verify the information that was given.
Regards,
[redacted]

[redacted] Date: June 28, 2016 Account: [redacted] Regarding Your Recent Overdraft Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com (Revdex.com) concerning your...

recent overdrafts and request for a refund of fees. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my apologies for any frustration this matter may have caused you, as well as sincere sympathies for the recent difficulties you have experienced. We have researched the issue surrounding the overdraft fees you have recently accrued, and found that the fees were charged correctly. We regret the inconvenience this matter may have caused you, but as the customer you are in the best position to know if items you have authorized, either by debit card, check, or electronic ACH payments, have cleared your checking account by utilizing a checkbook register. Due to no bank error being found in our research of this matter, we are unable to refund any overdraft fees charged to your account above the amount of the courtesy waiver you have previously been offered and have refused. To clarify for future transactions, the Bank processes transactions at the end of each business day in the following order: ** Credits and deposits made prior to the end of day cutoff time ** ATM and debit card transactions in the order they took place ** All other debits, including checks and electronic bill payments, in the order of highest to lowest amount ** Fees and service charges Debit card and ATM transactions are time-stamped debits and are pre-authorized at the time of use, and will show pending until they are posted. Because time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic ACH payments are batch debits that are not pre-authorized by us. These transactions do not include a time-stamp and will not show as pending during the day. Checks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized. Regarding the fees which have been assessed on your account, Fifth Third Bank checking accounts have options of both Overdraft Protection, and Overdraft Coverage. Overdraft Protection automatically transfers funds from a Fifth Third Bank savings account, credit card, or home equity line to cover items that overdraw your checking account at the end of the business day. With Overdraft Protection, we charge a reduced transfer fee of $12.00 for each transfer versus a higher overdraft fee of $25.00 or $37.00 for each posted item that overdraws your account. Please be aware that Overdraft Protection will cover all types of transactions when the available checking account balance is insufficient. In contrast to Overdraft Protection, some of our deposit accounts also have Overdraft Coverage for ATM and debit card transactions. Overdraft Coverage allows a customer to access funds beyond the balance in their account for emergency cash needs. The option exists for account holders to choose whether to continue having Overdraft Coverage on your account for ATM (Automated Teller Machine) transactions and one-time debit card transactions per federal regulations. Effective June 11, 2010, you had the ability to choose whether to continue having Overdraft Coverage on your account for ATM transactions and one-time debit card transactions via Internet Banking at 53.com, by calling our 24 hour automated telephone line at ###-###-####, or by visiting one of our local Banking Centers. According to our records, your account is currently opted out of Overdraft Coverage. Please be aware, with the decision to decline Overdraft Coverage for ATM and one-time debit card transactions, your card will be declined if there are insufficient funds in your account, and will therefore not receive overdraft fees for debit card transactions. However, this Overdraft Coverage does not apply to checks and electronic ACH payments. If a check or electronic payment is presented against your account with insufficient funds, the item may be assessed an overdraft fee, or returned and charged a $37 returned item fee. If the checking account is overdrawn, we also send an overdraft notice via standard mail to inform you of the occurrence that includes a detailed breakdown of the day’s transactions. Included with this letter you will find a copy of our Rules and Regulations, as well as information titled Fifth Third Overdraft Solutions for Consumers. Please review this document, as well as the Rules and Regulations for more information about overdrafts and how items may post to your account. If you have any questions, please contact myself, your local branch, or a customer service professional at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., Saturday, 8:30 a.m. to 5 p.m., ET. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. It was certainly not our intention to cause you any difficulties or frustration. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. 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. [redacted], thank you for your patience while waiting for a response. We certainly hope you will continue to use Fifth Third Bank for your financial needs in the future. 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, Sarah S.Office of the President Pc: Revdex.com Enclosures: Fifth Third Overdraft Solutions for Consumers Rules and Regulations Page 2 of 2

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]

[redacted] Date: February 1, 2018 Account: [redacted] Regarding Your Basic Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We appreciate the time you have...

taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties at the 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 customer satisfaction. If an account becomes overdrawn, we assess a $37.00 overdraft fee for each item that posts while the account has a negative balance, or per item that is returned due to insufficient funds. These fees will post the following business day after an overdraft occurrence. On January 16, 2018, the beginning balance in your Basic Checking account was $688.37. On that day, seventeen items posted to the account totaling $767.65. Due to insufficient funds in the account to cover all items presented, three items were returned as unpaid on January 17, 2018, and the account was assessed three (3) returned item fees totaling $111.00. A copy of the Overdraft Notice dated January 17, 2018, is enclosed. On January 18, 2018, the beginning balance in your checking account was negative ($85.28). That day, two of the $35.00 payments were re-presented by the third party for payment. Due to insufficient funds in the account, the items were returned and the account was assessed two returned item fees totaling $74.00, the following day, January 19, 2018. A copy of the Overdraft Notice dated January 19, 2018, is enclosed. Debit card and Automated Teller Machine (ATM) transactions show as pending against your available balance during the day because they are pre-authorized time-stamped debits. Checks and some electronic payments, such as Automated Clearing House (ACH) payments, are collected at the end of the business day for overnight processing and will post to the statement for that day, the day the payments were authorized by you to paid and collected for payment from Fifth Third Bank. Because these items are processed overnight, they will not show as pending during the day. All transactions will post to your account during overnight processing in the following order and will be visible the next business day: ** Credits and deposits made prior to the end of day cut-off time, subject to our Funds Availability Policy ** Debit card and ATM transactions in the order they were authorized ** Checks and electronic payments in the order of highest to lowest amount ** Fees and service charges Each of the items that caused the account overdrafts described in this letter were ACH payments. Since ACH items are processed overnight, the items that overdrew the account did not appear when you used our Mobile App to access your account information on January 16, 2018. The payment processing information explained in this letter is disclosed in the Bank’s Deposit Account Rules and Regulations, a copy of which is enclosed. For more detailed information, please refer specifically to the section entitled Overdraft Calculations Order on page fourteen (14). The Bank offers several options for Overdraft Protection. If you are enrolled in Overdraft Protection, funds are automatically moved from another Fifth Third account that you own to your checking account in the event of an overdraft. Although there is an overdraft transfer fee of $12.00 per transfer, this is less than the fees that are assessed when your checking account becomes overdrawn without Overdraft Protection. For more information about Overdraft Protection, please visit your local Fifth Third Banking Center or contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday 8:30 a.m. to 5 p.m., ET. You will also find additional information on our website at 53.com and in the enclosed copy of the Bank’s Deposit Account Rules and Regulations. It is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. However, we have reversed $74.00 in overdraft fees over the past twelve (12) months as a courtesy to you. Therefore, additional courtesy overdraft fee reversals are not be warranted at this time. We regret if this causes you any inconvenience or frustration as that is certainly not our intention. You are a valued customer of the Bank 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, Adam P.Office of the President Enclosures (3): Overdraft Notices (2) Deposit Account Rules and Regulations

[redacted] Date: January 16, 2018 Account: [redacted] Regarding Your [redacted] Account Dear [redacted]: We received a copy of your complaint filed with the [redacted] ([redacted]) and Better...

Business Bureau (Revdex.com) regarding your credit card 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. We received a $250.00 payment for your credit card account on December 26, 2017. There was no outstanding balance owed on the credit card account; therefore, the account became overpaid by $250.00. Fifth Third Bank policy requires that we wait ten (10) business days before the overpayment can be returned. This is done to ensure that the payment is not returned unpaid after we have already issued a refund. I am sorry for the dissatisfaction this has caused you. Please note that January 1, 2018, was the Federal Holiday for New Year’s Day. As a result, January 1, 2018, was not a business day. The tenth (10th) business day after your payment was January 10, 2018. Please be assured that on January 11, 2018, we removed the $250.00 overpayment from the credit card and sent it back to you in the form of a check to the address listed above. If you do not receive the check by January 25, 2018, please call me using my phone number listed below. We have also closed the credit card per your request. As of January 12, 2018, the account is closed with no balance owed. 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: [redacted], 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. 
I spoke with the agent yet again today. They have faced again the policy delectation and the letter. The letter states that there was a computer error and the policy was in fact effective in March not May! 
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 have faxed a copy of bill with reconnect fees and all they keep doing is sending me letters asking for the same document. They not attempting to resolve issue.
Regards,
[redacted]

[redacted] Date: April 18, 2017 Account: [redacted] Regarding Your [redacted] Credit Card Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your attempts to...

access your [redacted] Credit Card at an Automated Teller Machine (ATM). 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 the difficulties you experienced while attempting to use your [redacted] Credit Card ending in [redacted] at an ATM. Please be assured that 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 conducting a thorough review, we determined that your Personal Identification Number (PIN) was not successfully reset when you first contacted the Bank because the previous bad PIN attempts were not properly cleared from your account before you reset your password. We deeply regret that we were unable to resolve your concerns when you first contacted the Bank. Our research also determined that your PIN was successfully reset when you visited the [redacted] Banking Center on April 7, 2017, and you were successfully able to access your [redacted] Credit Card at an ATM later that same day. It was certainly not our intention to cause you any hardship. However, we are unable to provide you with any compensation. 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

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]
This is a falsehood and they are using it to deny this is their fault.  Their people told me on the phone when I called in the first time that their system was not reporting the mortgage.  If the reporting would have started up by april I believe I was told it would have been fine but not only did they not originally  start reporting it at the end of my bankruptcy they also drug their feet in correcting this issue causing the problem as it is.

[redacted] Date: October 11, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com regarding the...

overdraft fees you received on your Essential Checking account. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We have researched the issue surrounding the $185.00 in overdraft fees that you received on September 26, 2017, and have found that these fees were charged accurately. We regret the inconvenience this matter may have caused you, but as the customer, you are in the best position to know if items you have authorized, either by debit card, check, or electronic Automated Clearing House (ACH) payments, have cleared your checking account by utilizing a checkbook register. Due to no bank error being found in our research of this matter, we are unable to refund any additional overdraft fees charged to your account above the amount of the waiver you received on January 20, 2017. To clarify for future transactions, the Bank processes transactions at the end of each business day in the following order: ** Credits and deposits made prior to the end of day cutoff time ** ATM and debit card transactions in the order they took place ** All other debits, including checks and electronic bill payments, in the order of highest to lowest amount ** Fees and service charges Debit card and Automated Teller Machine (ATM) transactions are time-stamped debits and are pre-authorized at the time of use, and will show pending until they are posted. Because time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic ACH payments are batch debits that are not pre-authorized by us. These transactions do not include a time-stamp and will not show as pending during the day. Checks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized. Regarding the frustration you state you felt associated with the March insert to your statement which detailed the streamlined Overdraft Coverage which began on May 2, 2017, please know it was not our intention to cause you any hardship. I sincerely apologize for any misunderstanding which may have occurred associated with this communication, however the enclosed copy of this insert states that the updates included: More time to cover overdraft items –up to end of day. ** Deposits received through 11:59 p.m., including through mobile, ATM or transfers from another Fifth Third account will count toward overdraft calculations, extending the time you have to cover an overdraft. Note that check deposits are still subject to our Funds Availability Policy — up to $100.00 per day available for immediate use. Maximum number of overdraft fees cut in half. ** We are reducing the maximum number of overdraft fees you can be charged in one day from ten (10) to five (5). Simplified fee for using Overdraft Coverage. ** The fee for each overdraft (up to five (5) per day) will always be $37.00, regardless of the number of times you’ve overdrawn your account in the past. ** Remember, if your account is overdrawn by $5.00 or less at the end of the business day, there are no overdraft fees. Additionally, we never charge extended daily overdraft fees on consumer accounts. Additionally, your comments expressing less than quality service you received are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. [redacted], I appreciate this opportunity to address your concerns and 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, Sarah S[redacted] Office of the President Pc: Revdex.com Enclosure: March Statement Insert

[redacted] 
Date: October 31, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Essential Checking 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 or frustration this matter may have caused you. Please be assured we have researched this matter fully, 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 customer satisfaction. On October 20, 2017, the beginning balance in your checking account was $46.58. On that day, three (3) electronic Automated Clearing House (ACH) payment items posted to your account totaling $101.45. Because there were insufficient funds in the account to pay two (2) of the items, the account was assessed two (2) overdraft fees totaling $74.00, that posted to the account the following day business day, October 23, 2017. The ending day balance in your checking account on October 20, 2017, was negative ($54.87). A copy of the Overdraft Notice we sent on October 23, 2017, is enclosed. On October 23, 2017, three (3) electronic deposits posted to your account totaling $339.56. Three card transactions totaling $97.56, plus the $74.00 in overdraft fees from the prior business day, posted to your account, resulting in an ending day positive balance of $113.13. In my previous response to you dated July 27, 2017, I explained that, since you made several attempts on our website to cancel your scheduled online bill payment of $45.00, which posted to your account on July 14, 2017, we decided to refund the $37.00 overdraft fee that posted to the account on July 18, 2017. On July 23, 2017, you attempted to make an Automated Teller Machine (ATM) deposit into your account to prevent the account from becoming further overdrawn. Since there was an issue with the ATM that you used, which prevented you from being able to deposit into your account, we decided to refund the $37.00 overdraft fee that posted to your account on July 25, 2017. Thank you for taking the time to speak with me on October 24, 2017. At that time, you stated that the $286.63 electronic deposit that posted to your account on October 23, 2017, was a payment from your employer that you requested on October 21, 2017. Since October 21, 2017, was not a business day, the deposit could not be posted to your account until the following business day, which is why the deposit did not post to your account until October 23, 2017. During our telephone conversation, I explained that, since you made a good faith effort to deposit into your account when you discovered that the account was overdrawn, I would reverse the overdraft fees totaling $74.00 that posted to your account on October 23, 2017. The overdraft fees were reversed and credited to your account on October 24, 2017. Please note that it is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. However, in the interest of customer service, and for the reasons provided in this letter, we have reversed $148.00 in overdraft fees over the past twelve (12) months, as a courtesy to you. Except in the case of a Bank error, any additional overdraft fee reversal requests over the next twelve (12) months will be declined. I also want to be sure that you are aware that Fifth Third offers alert services that provide you with information about your Fifth Third Bank Accounts, which can assist you with preventing future overdraft occurrences. You may sign up for a variety of alerts, including a text or email alert to notify you when your balance falls below a threshold that is comfortable for you. This real-time alert will notify you any time your debit card and Automated Teller Machine (ATM) transactions result in a balance lower than your designated alert threshold. Because checks and electronic payments are processed overnight, we cannot currently offer a real-time alert when your account becomes overdrawn. However, you can set up alerts to let you know when the balance reaches a specific amount you determine to allow you time to deposit additional funds before the account becomes overdrawn. For example, you could set up an alert to notify you when the balance reaches $20.00. You could then review the account activity to determine if all of your authorized transactions have posted, and if not, determine how much additional funds you will need to deposit to cover any outstanding items. You can also schedule an alert that notifies you when an overdraft notice is available to be viewed on our website. While this alert will not prevent an overdraft, it will allow you to correct the negative balance sooner, which can help prevent any additional overdraft charges from being assessed. For a list of the account alerts offered by the Bank, please visit the alerts section within online banking or our mobile app. 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, Adam P.Office of the President PC: Revdex.com Enclosure: Overdraft Notice

[redacted] Date: August 7, 2015 Regarding an Inquiry on Your Credit Bureau Report Dear [redacted]: Thank you for your follow up contact with Revdex.com concerning a credit inquiry processed by Fifth Third Bank. We appreciate the additional time you have taken to express your concerns regarding this matter. In our prior letter to you dated July 29, 2015, we included copies of the updates we sent to each of the credit reporting agencies requesting that the hard inquiry made by Fifth Third Bank on October 22, 2014 be changed to a soft pull. Please note, those requests were sent to the credit reporting agencies on July 27, 2015, and the process for the credit reporting agencies to complete the updating of that information can take up to thirty (30) days. The numbers to each of the credit reporting agencies are listed below for your convenience. [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-####   If I could be of further assistance to you, please call me at ###-###-#### or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Beth H. Office of the President

The final response to the customer's rebuttal is below. We will be sending the attached documents along with the Rules and Regulations, and the transaction register in the mail with our response. [redacted] [redacted] 
[redacted] Date: February 21, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the rebuttal complaint you submitted to the Revdex.com regarding your checking account. We appreciate the time you have taken to document your additional 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. However, we stand by the response conveyed to you in our previous letter dated January 27, 2017. I have enclosed a copy of that letter for your review. Our position on this matter has not changed. As we explained in our prior response, non-timed stamped transactions are collected during overnight processing. They will not show as pending or be visible to you until the following business day. These transactions are authorized by you. If you do not have sufficient funds to cover these transactions you may request Fifth Third Bank to place a stop payment to avoid an overdraft. A stop payment is assessed a $33.00 fee. Alternatively, you may contact the payee and cancel the transaction. I have enclosed a copy of our current Rules and Regulations for your convenience. Please refer to page eleven (11) for more information on how we process transactions. Your most recent overdraft occurred on February 9, 2017. On that day, the beginning balance in your checking account was $5.54. Two (2) web initiated payments totaling $11.28 posted to your account. As explained above, the items were posted to your account when they were received by the merchants during overnight processing. Your account had a negative ending balance of ($5.74). Due to insufficient funds, two (2) overdraft fees totaling $74.00 were assessed and posted to your account the following business day. On February 10, 2017, your account had a negative beginning balance of ($5.74). Two (2) web initiated payments totaling $19.99 posted to your account, as well as the $74.00 in overdraft fees assessed for the previous business day. Again, the items were posted to your account when they were received by the merchants during overnight processing. Your account had a negative ending balance of ($99.73). Due to insufficient funds, two (2) overdraft fees totaling $74.00 were assessed and posted to your account the following business day. I have enclosed copies of the overdraft notices we sent to you on February 10, 2017, and February 13, 2017, for your review. As of February 16, 2017, your account has a negative available balance of ($173.73). I urge you to visit a Fifth Third Bank banking center as soon as possible to deposit funds to bring your account to a positive balance. It was certainly not our intention to cause you any hardship. However, we are unable to waive any additional overdraft fees due to bank policy. You may also want to consider using a transaction register to help keep track of the items that are going in and out of your account. Many customers find this beneficial because it helps to avoid overdrawing your account. For your convenience, I have enclosed a transaction register, but please know that transaction registers are free at any Fifth Third Bank banking center. Thank you for your patience while we further researched this matter for you. 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 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Previous response letter, Rules and Regulations, Overdraft notices, Transaction register

[redacted] Date: February 11, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com regarding your recent ATM (Automated Teller Machine) deposit. We appreciate the additional time you have taken to express your concerns regarding this matter. According to your initial complaint, you were using the ATM located at our Fort Branch Banking Center and attempted to make a cash deposit for $100.00 to your checking account. While the ATM was processing your deposit, the machine went down and retained your card and the deposit. Our Disputes Department was contacted and case # [redacted] was opened to fully research your claims. Our research determined that the ATM was not in balance and was over $2.00. Therefore, on January 15, 2015, your checking account was credited $2.00 and our investigation was closed. However, in the interest of customer service, the decision was made to credit your account $98.00. On February 3, 2016, a credit in the amount of $98.00 posted to your checking account to provide the full credit for your original ATM deposit. You will see this deposit on your next checking account statement. I hope you are satisfied with this resolution. We appreciate your patience while we reviewed your additional concerns. You are a valued customer and we appreciate the opportunity to review this matter. If I may be of further assistance to you, please call me at 513-358-2980 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

[redacted] Date: July 26, 2017 Account: [redacted] Regarding Your Identity Alert Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Identity Alert 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 the difficulties you have experienced with the Identity Alert offer that was mailed to you. It was certainly not our intention to cause you any hardship. 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. In order for you to take advantage of the offer of one (1) free year of Identity Alert, your current Identity Alert membership ending in [redacted] would need to be closed as we are not able to apply the discount to your current membership. I apologize for any inconvenience this may cause you. As we discussed during our telephone call, I have closed your Identity Alert account ending in [redacted] on July 21, 2017. You may re-enroll in our Identity Alert service on July 24, 2017, by following the instructions in your letter or by visiting a local banking center with your letter for assistance. If you or the banker have any questions regarding your offer, please contact me at the telephone provided below and I would be happy to assist you. Thank you for your patience while waiting for a response. We truly 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, Jennifer M.Office of the President

[redacted]
[redacted]
[redacted]
[redacted]Date:          August 18, 2015Account:                [redacted]Regarding Your Recent InteractionsDear [redacted]:We received a copy of your complaint submitted to the Revdex.com regarding your recent interactions with the Bank. Please be assured that Fifth Third Bank takes your feedback seriously, and Iappreciate the time you have taken to communicate your continued thoughts and concerns on this matter.On behalf of the Bank, please accept my sincere apologies for any inaccuracies you feel were included in the previous response. We want you to know it was certainly not our intention to cause you any difficulties or frustration surrounding this matter.We regret the confusion surrounding this issue, but as stated in our letter dated July 30, 2015, the check that was deposited into your checking account ending in [redacted] for $819.50 at a Fifth Third Bank ATM on July 21, 2015, was held due to the age of the account. This hold was on your account from the date of the deposit review, July 22, 2015, and was released after a seven business day hold. A business day is defined as Monday through Friday, excluding Federal holidays. It has been verified that the hold was removed and the funds were available to you on August 1, 2015.As previously communicated, on the day of your deposit, a combined $100.00 from all deposited checks is available immediately; the remaining funds will be made available on the next business day. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday, or a Federal holiday, the day of your deposit is the next business day. ATM deposits received after the cut-off time of 7:00 PM EST (Eastern Standard Time) will be treated as deposited on the next business day. Our previous response to you with further detail is included with this correspondence.I apologize that you are unhappy we are unable to specifically address your interactions with the sales staff at the Lombard-Downtown banking center. As stated previously, due to your indication that your discussions during visit were not completely in your best interest we are looking into this portion of the matter further. Please be advised that Case # C1507617289 has been opened with our Fraud Detection Department to investigate the matter. They will submit any necessary updates, if applicable, when their review is complete.While we strive to resolve all investigations as quickly as possible, please allow up to sixty (60) days for these updates to be submitted. Final written confirmation will be sent to you from the Fraud Detection Department. If you would like to follow up with them directly, they can be reached toll-free at ###-###-####, Monday through Friday: 8:00 a.m. to 6:00 p.m., ET. It was certainly not our intention to cause you any hardship either at the branch location or with our prior response. Please be assured that in addition to opening an investigation, we have researched this matter fully, and appreciate your feedback as it assists us in identifying problems and continuously improving on the level of service we provide to our customers. However, I cannot inform you of specific internal correction actions that may be taken to resolve this matter.Regarding your other complaints mentioned involving your boyfriend’s account, we stand by our previous response in which we regret the experience had at the Lombard-Downtown banking center, but are regrettably unable to research this issue further without discussing the matter with him directly as the account holder. This is an attempt at avoiding fraud or information exposure. I’m sorry for any inconvenience this causes either of you. If he chooses to reach out to me he may contact me at the phone number below, or may send the information to the following address:Fifth Third BankOffice of the President Attn: Sarah S.[redacted]Alternatively, you may fax this information to my attention at ###-###-####.To avoid further frustration on your part while trying to obtain the $150.00 bonus as part of the [redacted] new account marketing promotion I spoke to a representative at the Lombard-Downtown banking center for details since that is where you opened the account. I verified with them that your account needs to have a direct deposit and three (3) online bill payments made using Fifth Third’s Online BillPay on 53.com within the first ninety (90) days of the account being open to qualify for the bonus. Once these stipulations have been met, the funds will be deposited in your new account within six (6) weeks. I have included a copy of the promotional flyer for this offer for your reference.Please accept my further apologies regarding your phone conversation with our customer service staff. You certainly have the choice of visiting any Fifth Third Bank location convenient to you rather than continue doing business at the Lombard-Downtown banking center. Please be assured that your complaint has been escalated to the highest level within the Bank, and has been researched fully. 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.Ms. Loveday, I appreciate this opportunity to further address your concerns and thank you for your patience while waiting for a response. If I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ETSincerely,Sarah S.Office of the PresidentEnclosure: Previous Response[redacted] Promotion Information