PROCORPSA

[redacted] Date: January 4, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning the hold placed on your deposit. We appreciate the time you have taken to express your concerns regarding this matter. As stated in the letter sent to you on December 14, 2015, the remaining funds from your deposit were available as of December 14, 2015. I have enclosed the previous response for your review. Our records show that you purchased a cashier’s check in the amount of $18,795.05 on December 14, 2015. [redacted], please be assured that it was not our intention to cause you any hardship. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please call me at [redacted], or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President Enclosures: Previous Correspondence dated December 14, 2015

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.  For your reference, details of the offer I reviewed appear below.
This response also does not say anything as far as providing any form of assistance for the reasons I have been mentioning all along to the dispute dept. Saying that my dispute was denied based on my own information regarding my dispute is not and would not be an acceptable reason for anyone. This is the second response throught the Revdex.com that just is titled Information Regarding my Checking Account [redacted]. Then it says it is appreciated the time I have taken to express my concerns. Yes my dispute is with a merchant for $350 and the agreed upon services were not rendered. I am ONLY being told by this dispute department that it was denied based on my own information. There waa NO RESPONSE from the merchant.The response says that I believe that services were not rendered. Which I have explained in detail as to why that is the case. If services were rendered on 5/26/2016 and the merchant had obtained the information that they said they would then yes services would have been rendered and there would not need to be a dispute for the transaction that yes is on my bank statement showing the $350 charge after the merchant for the services that she claimed were going to be provided on 5/26/2016, had me text her the front and back of my bank card. In which I found out that same day that she did not obtain the information discussed for the charge of $350. The merchant must believe also that services were not rendered due to the fact that she chose not to respond to the bank dispute at all, even within 90 days.With this, the questions I have regarding this matter have not been answered. I have asked several times when I have called and am told "I do not know the answer to that". I have been told different things as far as why the dispute was denied based on my own letter. Because of the things said by different customer service reps. in the dispute dept. I can only conclude that there is much confusion about my dispute and how to even provide assistance. Yet I received the letter submitted to the Revdex.com dated 8/17/2016 that says nothing as usual just that my dispute was denied and that I can call with questions and to receive documents used in my dispute. I have not been provided assistance with either. In speaking with Lemont who claims to be the mgr. there, he said that he did not even have my letter but had a response from the merchant. Yet I have been told there is no response from the merchant and when so, the dispute is approved not denied.As I have also asked and explained that I had even called the dispute dept as of 8/6/2016 and was told that there still was no response from the merchant and that the dispute will be in my favor in this case. So please indicate why since there was never a response did this not have an impact on my dispute?Once again, as I have asked before too. If in fact a decision was made based on my own details. My details were provided when I first initiated my dispute on 5/27/2016. Also in my detailed letter explaining how services were not rendered dated 6/6/2016. I was told in the first letter from the dispute dept. that there would be a decision within 30 days. Why other than waiting for the merchant to respond in which they did not did I get a dential based on my own information that would have taken 90 days?I have stated over and over the questions and even the response 9/7/2016 as usual does not answer them. They are again as follows:Since telling someone ONLY that there dispute was denied based on there own information is not clear or even makes sense. What specific reason was my dispute denied based on my own information?Since I am only being TOLD that services were rendered to be by the merchant. How exactly did they come to this conclusion? Especially with no response from the merchant explaining if she thought so, or even showing proof that she would have.The customer service issues even with the mgr. Lemont during our phone conversation on 8/26 being extremely inappropriate and just wierd. The extremely vague letter from the Dispute dept. dated 8/17 along with the letters through the Revdex.com dated 9/1 and 9/7 that do not explain any of this. It appears as though proper time was taken to allow the merchant to respond which I had been told would be 90-120 days. When the merchant did not respond and the money should have been credited back to me., it seems there was the decision made to not do so. Yet there is no back up for doing so. And obviously not even concern or surprise as why anyone would have questions in this case.The questions above that have the ? after them are the questions that I have and have had since my first call to the dispute dept. on 8/25/2016 after receiving the letter dated 8/17 that did not say anything relevant to why my dispute was denied in which I need to call to even be told that it was denied based on my own details. Does not even make sense why someone would file a dispute if they received services and doesn't meke sense that the merchant would not need to respond to the dispute.The time that the dispute dept. is taking to not say anything or provide assistance is only making me have to spend more time in getting the above questions answered which is now 2 weeks and I placed my dispute 5/27/2016 with proper detail and the questions above are not that difficult. If someone can not only not file a dispute but have it handled appropriate why would someone want to bank with this bank.
Regards,
[redacted]

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.  Fifth Third Bank went above & beyond to resolve my issue.  Please consider this matter complete.
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.   
We have never lived at [redacted] I don't even know who lives there. We live at [redacted] and have for almost 9 years. Looks like fifth third has screwed up yet again... surprise surprise!! 3 lost checks and now you are sending important sensitive information to the wrong address. I am furious. This is a violation of my privacy and people wonder why identity theft is such a problem. Maybe it's time to contact the press I'm sure readers would love to hear how the bank is sending my sensitive mail to an address unknown to us.
Regards,
[redacted]

[redacted] Date: April 6, 2017 Account: [redacted] Regarding Your Basic Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your...

Basic Checking account. We appreciate the opportunity to respond to this matter. I am sorry that the service provided to you by Fifth Third Bank did not meet your expectations. Per your request, we closed your Basic Checking account ending in [redacted] with a zero ($0.00) balance on April 6, 2017. I have enclosed a check in the amount of $1.00 for the remaining balance in your account. We truly regret that you felt the need to close your account and certainly hope you will reconsider using Fifth Third Bank for your financial needs in the future. 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 Enclosure: Check

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 reviewed the information sent by Fifth Third. Although the company was able to explain each of my payments, I am still questioning why I was being charged a late fee when payments were sent by the due date. The company would send Loan Delinquency Letters with the amount needed to pay in order to bring my account current, I would like to know why was the information provided incorrect. I would pay the amount requested on the letter including the late charge, but the company would still charge me late fees when I paid what was requested. I understand that now they are saying that I owe $76.xx, but I would like to know how I am able to recover the money I paid in late fees when I would pay on time. 
Regards,
[redacted]

September 12, 2016Fifth Third BankOffice of The President[redacted]I received these two letters in the mail today as I had seen them also as your response to the Revdex.com. They both do not address anything at all as far as questions that I have asked since your letter dated 8-17-2016.My response also today to the Revdex.com was non acceptance again due to the fact that all questions in regards to my dispute being denied have not been answered. As all I am being told is my dispute was denied based on my own information indicating that services were rendered. Yet from the beginning when I initiated the dispute on Sat. May 28, I have been saying the opposite. That is the reason for me filing the dispute in the first place.Also no response was ever received by [redacted]. My own details which very much indicate that [redacted] advertises Free Phone Consultations on her website. I did not ever do any business with her on her website but obtained her phone number.Yet during the free phone consultation she said that for $350 she could obtain the information as far as the reason that the place of business indicated was coming to the home on both 4-13-2016 and 5-25-2016.This information was not obtained at all and only texted that it was not. After being asked to call to get the information from the business, she then said that she would on Tues 5-31 and she would be in touch. And she was not. Again she has not responded to your request either. This alone indicates fraudulent activity and my own details cannot say otherwise since I am the one that had $350 taken from me as the service that we discussed during the free phone consultation that would cost $350 was not provided.As the information she told me was not relevant or even asked for by me, at all for her to obtain and I detailed what information she had indicated it would be $350 to obtain.Without her response to you at all, there is no possible way that you could determine especially from my own letter detailing my dispute that it would be denied. As to why you would have taken 90 days only indicates the need to wait for her to respond but my letter was sent in June detailing my dispute.If my letter in fact was confusing to your office. I should have been contacted for further details even by phone. Yet the timeframe of 90 days indicates that my letter was not the reason for the dispute being denied as I would have received a denial letter earlier than August 17, 2016.[redacted]Fifth Third Bank CustomerChecking Account- [redacted]cc: Revdex.com

[redacted] Date: March 10, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the follow up letter you sent to the Revdex.com regarding your mortgage loan. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for 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 our customers’ satisfaction. According to our records, when the loan was originated in September 2005, the Bank ordered an appraisal of the property from [redacted]. At that time, the property was appraised at $47,000.00. A copy of that appraisal is enclosed for your review. When a customer disagrees with the appraised value of the property during loan origination, there is a procedure in place at the Bank that allows a customer to request that a new appraisal is ordered; however, the process to dispute the appraised value must occur within a reasonable timeframe during the loan origination process. Unfortunately, the ability for you to dispute the appraised value of the property is now outside of that timeframe. Please also be aware that a property appraisal is performed by a disinterested third party, in this case [redacted]. The appraisal in question was not performed by the Fifth Third Bank. If I could be of further assistance to you, please call me at ###-###-####, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosure (1): Appraisal

[redacted] Data & Network Solutions LLCAttn: [redacted]Date: May 26, 2015 Account: [redacted]Re: Dormant FeesDear [redacted]:We
received a copy of the complaint you filed with the Revdex.com
regarding your Regular Business checking account. We...

truly appreciate the time
you have taken to share your thoughts and concerns with us.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 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.Fifth Third Bank
offers a variety of ways for customers to manage their accounts. We have
services available to help you keep track of your account balance and the money
you have spent. These include:Logging on to 53.comUsing the mobile AppText or email alertsA Fifth Third ATMCalling ###-###-####Visiting a banking centerFor
your convenience, I have enclosed a copy of our current Rules and Regulations
which you received at the time you opened your account. Page five (5) and page
seventeen (17) detail how an account can become dormant and what fees can be
assessed. I apologize if you were unaware of this policy.Dormant
accounts receive one (1) statement each year, which is mailed at the end of
December. If activity occurs on your account that removes it from a dormant
state, you will begin to receive monthly statements again. When your account
first became dormant, we informed you of this account status change on your
checking account statement that ended on November 30, 2012. A statement was
issued in November 2013 due to the transaction that posted to your account.Copies
of the account statements from November 2010 to December 2014 are enclosed for
your review. Please note the address on the monthly statements is the mailing
address you provided to the Bank at the time of account opening. If this
address needs to be updated, I encourage you to contact the customer service
department to modify the account mailing address. The customer service
department can be reached at ###-###-####, Monday through Friday 7:00 a.m. to
8:00 p.m.; Saturday 8:30 a.m. to 5:00 p.m., ETWhen
your account first became dormant, we informed you of this account status
change on your checking account statement that ended on November 30, 2012. Once
an account becomes dormant you will receive one (1) statement each year, which
is mailed at the end of December. If activity occurs on your account that
removes it from a dormant state, you will begin to receive monthly statements
again. A statement was issued in November 2013 due to the transaction that
posted to your account.Due
to inactivity on your checking account, the account has been assessed eighteen
(18) $5.00 dormant account fees. On May 5, 2015, a request was submitted by the
management team at the Union Banking Center to reverse six (6) of the dormant
fees and a $30.00 credit posted to your account. While we sympathize with the
most recent difficulties you have encountered, we are unwilling to waive all of
the dormant fees your account was assessed, as you have requested.It
was certainly not our intention to cause you any hardship or frustration and we
appreciate your patience while we researched this matter. 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,[redacted]Senior Consumer Resolution Specialist Office
of the PresidentPc: Revdex.comEnclosure(s): Rules and Regulations,
Statements

[redacted] Date: December 7, 2016 Account: [redacted] Regarding Online Payments Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com regarding...

your credit card payments. We appreciate the time you have taken to express your 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 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. Please find enclosed a copy of the Fifth Third Bank card agreement for your account and a copy of the last four (4) credit card statements and a screenshot of your online bill payment activity. Upon receiving your complaint, we contacted our internet banking department with your concerns. Our research has confirmed you have not set-up an automatic recurring payment for your Fifth Third Bank credit card. On September 14, 2016, the Bank issued your credit card statement indicating a balance of $119.11 with a minimum payment of $35.00 due by October 11, 2016. The interest rate for new purchases on this statement was 24.24%. Our research confirmed you set up a manual payment of $119.11 to your credit card on October 6, 2016. The online payment posted to your credit card on October 7, 2016. On October 14, 2016, the Bank mailed your credit card statement indicating a new balance of $146.23 with a minimum payment of $35.00 due by November 11, 2016. The interest rate for new purchases on this statement was 24.24%.Our research determined you did not set up a manual online payment prior to the due date. The Bank did not receive a payment prior to the next statement being mailed on November 14, 2016. Your November 14, 2016, statement indicated a new balance of $193.58, with a minimum payment of $70.00 due by December 11, 2016. The minimum payment included a past due amount of $70.00.The interest rate on this statement is 24.24%. Because you did not make a payment prior to the November 11, 2016, due date, you were assessed a $25.00 late payment and $3.32 in interest on November 14, 2016. On November 22, 2016, you set up two (2) online payments to your credit card. The payments both posted to your credit card the next business day. In addition you set up a payment with the Collection Department and an online transfer with your savings account. In total you mad $444.81 in payments. Please use this letter as verification that you have overpaid your credit card account by $251.23 If you would like information on how to set up a recurring online bill payment or transfer to your credit card account, please contact the Customer Service Department at ###-###-####, or myself at the telephone number below. A customer service representative will be able to assist you with setting up your payment. They are available Monday through Friday, 7 a.m. to 8 p.m.; Saturday 8:30 a.m. to 5 p.m., ET. In your complaint you mentioned that the Bank had imposed a penalty interest rate on your account. Please note page three (3) section twelve (12) item e, which states in part: Penalty APR for Payments Late by 60 Days or More. Subject to Applicable Law, we reserve the right to increase the APR to 29.99% (corresponding Monthly Periodic Rate of 2.49916%) on all new and outstanding Account balances each time we do not receive at least the Minimum Payment Due within sixty (60) days of its Payment Due Date. As noted above, your payment due on November 11, 2016, was not received by the due date; however, you did make a payment within sixty (60) days of the due date. There was no negative information reported to the credit reporting agencies regarding this late payment, and you were not assessed the Penalty APR. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused 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, Patrick S.Office of the President PC: Revdex.com Enclosures: Statements MasterCard Agreement Online Bill Payment Activity

[redacted] Date: November 23, 2015 Account: [redacted] Regarding Your Business Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your...

business checking account with Fifth Third Bank. We appreciate the time you have taken to share your thoughts and concerns regarding this matter. On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that we have contacted the relevant parties to fully research your account and passed on your concerns. On October 23, 2015, your business checking account balance was positive $3.93. One (1) debit from [redacted] in the amount of $424.48 posted to your account. Your ending account balance was negative ($424.48). Since your account balance was not sufficient to cover this transaction, your account was charged one (1) overdraft fee of $37.00 on the next business day. Our records indicate that this overdraft fee was waived by the Bank on June 26, 2015. On October 25, 2015, your account balance was negative ($33.07). One (1) debit from [redacted] in the amount of $629.28 posted to your account. Your ending account balance was negative ($628.28). Your account was charged one (1) overdraft fee of $37.00 on the next business day. Our records indicate that this overdraft fee was waived on June 29, 2015. On October 30, 2015, your account balance was negative ($34.77). One (1) debit from [redacted] in the amount of $644.08 posted to your account. Your ending account balance was negative ($742.85). Since your account balance was not sufficient to cover this transaction, your account was charged one (1) overdraft fee of $37.00 on the following business day. During the following fifty (50) days, your account remained in a negative state while additional overdraft fees were being charged. Unfortunately, no deposits were made to your account to return the account to a positive or zero balance. As a result, your account was charged off for $319.77 on August 18, 2015. Please be assured that this account was not sent to a collection company and will not be reported to the credit reporting agencies as a charged off account. All overdraft fees were waived when the account was closed. Therefore, we are unable to waive any overdraft fees on the account, as you have requested. Thank you for your patience while we researched this matter for you. You are a valued customer, and we look forward to servicing your financial needs in the future. If I may 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, Lisa S.Consumer Resolution Specialist Office of the President Pc: Revdex.com

[redacted] Date: October 16, 2017 Regarding Your Mortgage Applications Dear [redacted]: Thank you for your correspondence concerning your recent mortgage loan applications. We received a copy of the complaint you filed with the Revdex.com on October 9, 2017. Your loan applications were submitted to Fifth Third Mortgage, which is an affiliate of Fifth Third Bank. The Office of the President researches and responds to our customers concerns regarding Fifth Third Mortgage. We strive to provide an exceptional experience to our customers and I am sorry we did not meet your expectations. Please be assured customer feedback is reviewed by our executive management team as part of our ongoing commitment to improving our operations. We were able to review your additional complaint regarding your mortgage applications. Please be assured that we submitted updates to the credit reporting agencies on September 1, 2017, to remove the August 15, 2017, inquiry. Since you mentioned that the inquiry is still reflected on your credit report, and it has been more than thirty (30) days, we have submitted another update to the credit bureau agencies to remove that inquiry. Please allow up to thirty (30) days for the credit bureau agencies to update their reporting. Please also note that the Bank does not have a way to confirm whether or not an inquiry has been removed from your credit report. You mentioned in your follow up complaint that you had sent me several email messages and that I did not respond to you. During our conversation on September 29, 2017, you requested my email address so that you might forward me some of the email correspondence you received from our Bank employees. I did provide you with my email address as you requested. I also stated to you, that while I could receive your email, I would not be able to respond back to you via email. I do acknowledge that I did receive email correspondence from you and I have added it to your complaint file. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you; however, the remainder of your concerns were reviewed and addressed in our previous response letter dated October 6, 2017. For your reference, I have enclosed our prior correspondence. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We strive to provide professional and accurate service to our customers, and again I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W[redacted] Office of the President Pc: Revdex.com Enclosure: Prior Correspondence

[redacted] 
Date: October 26, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your...

installment loan. We also received a copy of the complaint you submitted to the Federal Reserve Bank that was forwarded to the Consumer Financial Protection Bureau. 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. On August 4, 2016, you set up recurring transfers for your installment loan ending in [redacted] in the amount of $229.88 for the fourth (4th) of each month via Internet Banking at 53.com. The first (1st) transfer from your checking account posted to your installment loan on August 4, 2016. The next recurring transfer was scheduled for September 2, 2016, because September 4, 2016, fell on a Sunday. On September 2, 2016, you scheduled a transfer from your checking account to your installment loan in the amount of $1,359.81 to pay off your loan. You also attempted to cancel the recurring transfer of $229.88; however, the cancellation failed because the transfer was already in process. Since the cancellation failed, both transfers were completed on that day. The payment of $229.88 was not applied to your loan since we received the payoff payment of $1,359.81. The payment of $229.88 was considered an overpayment. Overpayments are typically held for ten (10) business days before being returned to the customer. The payoff payment of $1,359.81 was short by $4.43, so funds in the amount of $225.45 were credited to your checking account on September 13, 2016. Thank you for your patience while we conducted our research. 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, Elizabeth D. Office of the President Pc: Revdex.com, Consumer Financial Protection Bureau

[redacted] Date: October 16, 2015 Account: [redacted] Regarding the Credit to Your Debit Card Dear [redacted] and [redacted]: We received a copy of the complaint you submitted to the Better...

Business Bureau regarding the debit card credit the Bank received after you closed your 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. On September 25, 2015, we sent a check to you for the credit of $538.00 that we received from [redacted] after you closed your checking account ending in [redacted]. Unfortunately, the check was sent to your former address in [redacted]. After receiving your complaint, we placed a stop payment on this check and reissued a new check to your new mailing address listed above on October 14, 2015. I hope this letter meets your satisfaction and resolves your needs. 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

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] 
[redacted] 
[redacted] Date: June 15, 2016 Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding...

your recent customer service experience. We appreciate the time you have taken to bring this matter to our attention. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. After reviewing your complaint, the relevant parties were contacted to express your dissatisfaction with the level of service you received from our Auto BillPayer Department. We understand the frustration this situation has caused. Please be assured that your [redacted] account was credited for the payment of $1,300.00 on June 10, 2016. If the credit has not posted to your [redacted] account, please contact me at the phone number provided below. Please be assured that Fifth Third Bank takes comments regarding inadequate customer service and potential security breaches very seriously. Management in our Auto BillPayer Department has spoken with the representative concerning this situation, and they have been made aware of the level of service expected from all Fifth Third Bank employees. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction. Thank you for allowing us the opportunity to respond to your concerns and resolve this issue. 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 call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President

[redacted] 
[redacted] 
[redacted] Date: July 8, 2016 Account: [redacted] Regarding Your Fifth Third Bank Access 360 Account Dear [redacted]: Thank you for the letter you sent to the Bank regarding your Access 360 account. We appreciate...

the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the level of service you received from the Access 360 customer service department. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. 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 of any specific internal actions that may be taken. Enclosed is a copy of the Access 360 terms and conditions provided to you at the time you opened your account. Please note the Authorized Holds section on page three (3) item fourteen (14). Which states: Our research confirmed the $881.86 hotel purchase posted to your card on July 2, 2016. As of July 7, 2016 your available balance is $84.90. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. 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 Enclosure: Access 360 Terms and Conditions

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]
I seen the mistake that was made I contacted the company for 5 days when I received email about bill payment they stated that they didn't see what I was saying because of this they took out almost 75.00 saying that I had  negative balance when payment where coming in and payment was going out I had to go to bank ask the representative to call and stop payments too many payment had been made going to [redacted] and [redacted] they did nothing to help stop payment when requested After asking the company for my money back still left me with negative balance that I had to because NO ONE HELP ME WHEN I TOLD THEM BEFORE THEY TOOK THE MONEY OUT they didn't care or see that company was receiving to much money which made my account negative they allowed these payment go out cause money was there  did not monitor the payment as why they were paying the company 4 time I had to pay for the mistake that could be handle  I have to close my account because they don't monitor my money  when in  3 weeks I had over  2600 in my account money was coming into my account daily and weekly they was paying to close attention to sending the money out 5 to 8 days later payment was posting to late  my funds are not available until next business day which would be go without money all weekend Nope this not suitable for me when my money hit my account it should be available that day

[redacted] Date: March 22, 2018 Account: [redacted] 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 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. We were unable to locate a record of receiving a request to close your account in August of 2017. Before an account can be closed, the account must have a $0.00 balance. According to your account statements, the account never had a balance of $0.00 in August of 2017. Additionally, there was regular activity in the account in August of 2017 and the account maintenance history does not indicate a request to close the account in August of 2017. In September of 2017; however, there was a request to close the account. On September 27, 2017, you visited our [redacted] banking center to close your account. The balance in the account at that time was $15.62. The $15.62 remaining balance in the account was withdrawn and provided to you as cash. Although the account was brought to a balance of $0.00, the employee assisting you did not close the account at that time. Since the account was not closed, the account became overdrawn when the $11.00 monthly service charge was assessed on October 20, 2017. The ending balance in the account on October 20, 2017, was negative ($11.00). On November 2, 2017, a $10.00 transaction posted to the checking account. The ending balance in the account on November 2, 2017, was negative ($21.00). Since the account was overdrawn, on November 3, 2017, $33.00 was transferred from your Check Card Plus account ending in [redacted], which is the account that was providing overdraft protection for your checking account. $21.00 was transferred to cover the overdraft and the additional $12.00 was for the overdraft transfer fee. The ending balance owed on the Check Card Plus account on November 3, 2017, was $34.00, which included the $21.00 transferred to cover the checking account overdraft, the $12.00 overdraft protection transfer fee, and the $1.00 minimum finance charge. On November 3, 2017, you visited our [redacted] banking center. At that time, the employee assisting you requested the remaining fees on the account to be adjusted so the account could be brought to a balance of $0.00 and closed. The account was closed on November 9, 2017, after the remaining fees were adjusted and the account was brought to a balance of $0.00. Although the checking account was closed on November 9, 2017, there was still a balance of $34.00 owed on your Check Card Plus account. Since the Check Card Plus account was not paid, it was assessed finance charges and late fees. The calls that you were receiving from our Collections Department were calls collecting on the balance that was owed on the Check Card Plus account. We understand your concerns about the collection calls you received. Our Collection Department begins making calls to customers when a payment is not received by the due date. These calls were put into place by Fifth Third Bank to help make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. They are certainly not intended to cause you any hardship or frustration. Since your complaint letter requested that Fifth Third Bank stop calling to collect on the account, your cease and desist request was processed on February 23, 2018. Since the banker who assisted you on November 3, 2017, should have noticed, and explained the balance owed on the Check Card Plus account, interest charges, and late fees were reversed and the account was closed on March 16, 2018. As of March 19, 2018, there was still a $34.00 balance owed on the card from the original overdraft transfer; therefore, we reversed an additional late fee of $35.00, which left a credit balance of $1.00 on the card. Since there is a $1.00 credit balance on the card and the account is closed, a $1.00 check will be mailed to you for the credit balance on the card. You will receive the check within two (2) weeks from the date of this letter. I also want to be sure that you are aware that, on March 16, 2018, we have submitted an update to all four (4) credit reporting agencies to remove the negative reporting of the Check Card Plus account. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. Please also be assured that we will continue to conduct reviews and follow up with the credit reporting agencies until we ensure the account is reporting correctly. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### For your review and convenience, all of the account statements and overdraft notices for the period from July 20, 2017, to November 17, 2017. Since statements are not generated for the Check Card Plus account, no statements for that account are provided. A copy of the credit bureau correction letter dated March 16, 2018, is also enclosed. [redacted], on behalf of the Bank, please accept my sincere apologies for the issues you have experienced concerning the closure of your checking account. We strive to provide professional and accurate service to our customers and we regret if this has not been your experience. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosures (2): Statements and Overdraft Notices Letter Dated March 16, 2018

[redacted] [redacted] [redacted] Date: December 21, 2015 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. 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. 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 our customers’ satisfaction. We understand your concerns about the collection calls you received. Our Collection Department begins making calls to customers when a payment is not received by the due date. They are a failsafe Fifth Third 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. They are certainly not intended to cause you any hardship or frustration. Although we were able to confirm the receipt of your Auto BillPayer enrollment form, it may take up to three (3) weeks to complete the enrollment process before the first payment is scheduled. We have confirmed with the Auto BillPayer Department that the first payment is scheduled for January 7, 2016, in the amount of $193.48. I apologize for any misinformation you may have received when calling the Bank. In addition, we received a payment on December 14, 2015, in the amount of $193.48, which satisfied the payment due for December 7, 2015. Because the account has a ten (10) day grace period for the payment to be received, please be assured there were no late charges assessed to the account or negative credit reporting. 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