PROCORPSA

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.
As the bank refuses to correct their mistake what may be done now?
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. 
Regards,
[redacted]

Please find attached a copy of the letter being sent to [redacted]. Thank you. [redacted]...

[redacted] Date: July 7, 2017 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint filed on your behalf by Ryan Jaynes with the Revdex.com. We are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. The Bank is continually working to improve the collection of checks and the availability of funds for withdrawal. The Federal Government has established regulations regarding the handling of deposits. A “Business Day” is defined as Monday through Friday, excluding Federal Holidays or as otherwise posted in the Banking Center. For deposits made on Saturday, Sunday, or a Federal Holiday, the day of your deposit is the next Business Day. Funds received after certain cut-off times for certain channels and products may be credited as of the next Business Day. For your convenience, I have enclosed a copy of our Rules and Regulations booklet, which you would have received at the time that your account was opened. Page two (2) outlines our deposit terms, and pages nine (9) through twelve (12) outline our funds availability policy. Typically, a combined $100.00 from all deposited checks is available immediately on the day of your deposit. The remaining funds will be made available on the next business day. The availability of funds does not guarantee that the check has cleared the bank that it is drawn on, or that the check is authentic. All items for deposit, although provisionally credited, are subject to proof and collection. Until the proceeds are actually received by the Bank, or until such items become final under applicable law, the items can be returned and charged back to your account. You made a mobile deposit of $2,450.71 on Friday, June 16, 2017, and $100.00 of the deposit was available immediately. The deposited item was removed from the checking account on June 21, 2017, and a $15.00 Return Deposited Item Fee was assessed to the account. I confirmed that no overdraft fees were assessed to the account as a result of the returned deposit. As a courtesy to you, the $15.00 fee was reversed and credited back to the account on June 22, 2017. We certainly sympathize with the fact that you believed the item to be legitimate. However, the depositor is ultimately responsible for the items deposited into their account. It is certainly not our intention to cause you any hardship or frustration. Based upon our review, we find that the Bank has complied with all applicable laws and regulations; therefore, we will not be offering you any additional compensation. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Consumer Financial Protection Bureau Enclosures: Rules and Regulations booklet

[redacted] Date: September 12, 2017 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. I also appreciated...

the opportunity to speak with you regarding this account. We strive to provide quality service to all of our customers, and I apologize that we failed to meet your expectations. To close a checking account, it must be brought to a zero (0) balance. We cannot freeze an account to prevent further transactions. Should an outstanding payment post on the same business day you attempt to close the account with a zero (0) balance, the account may remain open and any posted or returned items may be subject to overdraft fees. As we discussed, your request to close this checking account was processed on September 1, 2017; however, a previously scheduled repeating online bill payment to Nissan for $246.16 posted that same day which kept the account open. On the following business day, the item was returned unpaid and the Overdraft Fee of $37.00 was waived to close the account at a zero (0) balance. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. You were a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
I'm not seeing a new response here.
Regards,
[redacted]

[redacted] Date: April 22, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com regarding your Fifth Third Bank installment loan. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this situation may have caused you. However, we stand by our previous response letter sent to the above address on April 13, 2016. I have enclosed a copy of our previous written response for your review. Our position on this matter has not changed. You are a valued customer and we hope you will allow us to service your financial needs in the future. If I may be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####. Sincerely, Lisa S.Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosure: letter dated April 13, 2016

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. 
53 bank did not go far enough to satisfy my concerns.  From my vantage point we have a signed contract and they failed to up hold that contract. I would like to know what can I do now?
Regards,
[redacted]

[redacted] Attn: [redacted] Date: May 4, 2017 Account: [redacted] Regarding Your Business Basics Checking Account Dear [redacted]: We received copies of the complaints you filed with the Better...

Business Bureau, the Ohio Division of Financial Institutions, and the [redacted] concerning your Business Basics Checking account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for 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. We understand your concerns regarding the availability of your deposit. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank, from loss or possible fraud. Per Federal Guidelines and the Bank’s Funds Availability Policy for Business Accounts, when a check is deposited into a business account at an Automated Teller Machine (ATM) prior to the cut-off time of 7 p.m., ET, the first $200.00 from the deposit will be available the next business day. The remaining funds will be available on the second (2nd) business day after the day of the deposit. In some instances, we reserve the right to place a hold of a longer period of time on a deposit. The full amount of the deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the eighth (8th) business day after the day of your deposit. Depending on the reason for placing the hold on your deposit, part of the deposit or all of the deposit may be held. It is important to note that the Bank does not control the amount of time it may take for a check to clear nor does the Bank have any way to expedite this process. A hold may be placed on a check to allow sufficient time to ensure the check will not be returned. On April 3, 2017, an ATM deposit posted to your Business Basic Checking account for $18,089.43. During the processing of your deposit, a hold was placed. Because your deposit was made at an ATM, rather than in-person, we were unable to notify you of the hold at the time of your deposit. However, the Bank did issue a letter to you on April 3, 2017, to inform you of the hold, the reason for the hold, and when the deposited funds would become available. For your records and convenience, we have enclosed a copy of the letter. The Expedited Funds Availability Act allows the Bank to place a hold on deposits for several reasons. One of the reasons the Bank may place an extended hold on a deposit is when the deposited check(s) total more than $5,000.00 in one business day. As is indicated in the letter we sent, this is the reason for the hold placed on the ATM deposit received on April 3, 2017. I have also enclosed a copy of the Bank’s Rules and Regulations for your review and convenience. For more information about the Bank’s Funds Availability policy for business accounts, please refer specifically to page nineteen (19). For more information about an extended hold being placed on a deposited check, please refer specifically to page twenty (20). We regret any inconvenience this may have caused you. You are a valued customer of the Bank and it was not our intention to cause you any hardship. On April 10, 2017, your $14,689.21 payment to the [redacted]) was presented for payment. On April 11, 2017, your $14,689.21 payment to the [redacted] was returned because funds from your April 3 check deposit were not available. The Bank sent notification to you that the $14,689.21 payment to the [redacted] was returned on April 11, 2017. A copy of the letter we sent on April 11, 2017, is enclosed. Your account was not assessed any overdraft or returned item fees for the tax payment being returned. As is indicated in the letter dated April 3, 2017, if you did not receive the letter at the time you made the deposit and the check(s) deposited is paid, we will refund any Fifth Third Bank fees for overdrafts or returned checks that result solely from the additional delay we imposed by placing the hold. On April 10, 2017, you contacted Markita S., Financial Center Manager of our [redacted] Banking Center, regarding this matter. Ms. S. informed you that in order to have the hold on the funds released before April 12, 2017, the Bank would need something in writing from the paying bank verifying that the checks you deposited had cleared. You provided Ms. S. with a contact phone number for the paying bank. Ms. S. called the paying institution and was unable to verify the checks you deposited with them. The paying institution also would not provide anything in writing to verify their checks. Ms. S. called you back twice to inform you of this; however, she was unable to contact you or leave a voice mail message either time. The other employees you contacted regarding this matter also communicated to you why the hold was placed on the account, and explained that you should follow up with Ms. S. regarding this matter since she was attempting to assist you in your request to have the hold removed before April 12, 2017. Please accept my sincere apologies for the difficulties or misunderstanding you experienced when you previously contacted the Bank to resolve this matter. We strive to provide professional and accurate service to our customers and we regret if this has not been your experience. Because the hold on the funds you deposited was placed in accordance with Federal Guidelines and the Bank’s Rules and Regulations, any fee(s) that you were assessed by the [redacted] will not be reimbursed to you by the Bank. We regret if this causes you any frustration. [redacted], 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 ###-###-####. Sincerely, Adam P.Office of the President PC: Revdex.com [redacted] Enclosures (3): Hold, Notice, April 3, 2017 Rules and Regulations Return Item Notice, April 11, 2017

[redacted] [redacted] [redacted] Date: February 22, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: Thank you for contacting the Bank concerning the information reporting on your credit report for...

your Fifth Third Bank installment loan account. We appreciate the time you have taken to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced. Our records show that a payment of $475.51 received on October 26, 2015, satisfied the payment due on October 18, 2015. No payment was received in November 2015. We were notified that the vehicle was a total loss on December 1, 2015. At this time the account was past due for the November 18th payment. Our records confirm that a payment of $20.24 was received on December 17, 2015, and a payment of $0.69 was received on December 24, 2015. Since the minimum payment amount listed on www.53.com did not include the past due portion of the payment due for your installment loan account, we have submitted an update to all of the credit bureaus to remove the delinquencies reported for December 2015. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### It was not our intention to cause you any hardship, and we apologize for any inconvenience this matter might have caused you. We believe your issue was resolved accordingly, and I hope that this letter will meet your satisfaction. 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

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 felt deceived by the way the conditions for receiving the bonus were presented. Granted, the requirement to receive the bonus were spelled out in the fine print, but the requirement of maintaining a minimum balance was never brought to my attention when I met with a bank rep (although the minimum direct deposit was).   
Regards,
[redacted]

[redacted] Date: November 28, 2017 Account: [redacted] Regarding Your Transaction Disputes Dear [redacted]: We received a copy of the follow-up complaints you submitted to the [redacted] and Revdex.com regarding your transaction disputes. We appreciate the time you have taken document your additional thoughts and concerns in this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the responses conveyed to you in our previous letters dated October 30, 2017, and November 1, 2017. I have enclosed copies of those letters for your convenience. Our position on this matter has not changed. Our additional research confirmed that the reason why your disputes with [redacted] were approved was because we received chargebacks from the merchant. In the case of your [redacted] dispute, the merchant sent documentation showing services were rendered and the charge was valid. You will need to resolve this directly with [redacted] in about your dispute of the conditions at the motel. In regards to your dispute of the taxes, you will need to resolve this with [redacted] and the State of Illinois. Fifth Third Bank cannot assist you any further with your disputes. Our records show that you closed your checking accounts ending in [redacted], and [redacted] on November 2, 2017. As of November 15, 2017, the only open account you have with the Bank is your Access 360º Card ending in [redacted]. However, there is a fraud block on the card, so you no longer have access to it, or the ability to open a new card. Please also be aware that if we receive an additional complaint or other type of correspondence from you regarding this matter that does not contain new information, you will not receive additional correspondence from the Bank regarding this matter. This is because this matter has already been appropriately addressed in our previous letters as indicated above. Thank you for your patience while we conducted our additional research. 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, Pat S. Office of the President Pc: [redacted], Revdex.com Enclosures: Previous Response Letters

[redacted] Date: October 19, 2016 Regarding Your Complaint Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your experience at the [redacted]...

Banking Center. 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 strive to provide courteous and professional service, and I apologize if that was not your experience. I would like to thank you for your feedback regarding your visit to the banking center. Customer feedback assists us to identify areas of improvement so we can continue to improve our customers’ experiences. I understand that you waited in the drive-thru lane at the [redacted] Banking Center on October 5, 2016, and you were not promptly assisted. Additionally, other vehicles that entered the drive-thru after you were assisted first (1st). I am very sorry for the inconvenience and dissatisfaction this situation caused. Unfortunately, the [redacted] Banking Center had only three (3) people working that day. One (1) employee was out of the office for lunch at the time of your visit and the other two (2) employees, including the financial center manager, were assisting other customers. I am very sorry that this caused a delay in service, and that it caused you to be assisted out of turn at the drive-thru lane. Our Customer Service Department employee named Ashley sent your concerns about the banking center that day to the regional manager in charge of the [redacted] area. I have also forwarded your additional concerns regarding the security guard to the regional manager in charge of the [redacted] area. The regional manager will take any necessary steps regarding the employees at the [redacted] Banking Center. However, we cannot inform you of specific internal corrective actions that may be taken to resolve this matter. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com

[redacted] ** [redacted] Date: March 22, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com regarding your...

checking account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On September 29, 2014, you applied for a Fifth Third Bank Essential checking account via our website at 53.com. The account was opened the same day. Fifth Third Bank is required to allow consumer checking account customers to decide if they would like the Bank to approve Automated Teller Machine (ATM) and one-time debit card transactions if there are insufficient funds. We refer to this as overdraft coverage. When you opened your account online that day, the website asked if you wanted to enroll in overdraft coverage. If a customer selects “yes,” then a disclosure is opened and the customer must click that they agree to the disclosure that explains overdraft coverage. You selected that you agreed to the disclosure; therefore, you were opted in to overdraft coverage. Enclosed is a copy of the overdraft coverage letter that we mailed to you on September 29, 2014, confirming your overdraft coverage selection. Enclosed for your review is a copy of our Rules and Regulations that were provided to you, which also discloses the information regarding overdraft coverage. Page thirteen (13) provides additional details about overdraft coverage. Our records reflect that you have been opted in to overdraft coverage since the time the account was open until February 26, 2016, at 6:46 p.m. Enclosed for your review is a copy of the letter we sent to you on February 26, 2016, to confirm that you opted out of overdraft coverage. The beginning balance in your checking account on February 22, 2016, was $429.52. You received a $28.76 deposit that day, which increased the balance to $458.28. Five (5) transactions totaling $588.16 posted to the account that day. There were insufficient funds to cover your Automated Clearing House (ACH) transaction to Ally of $537.07. We paid the transaction and assessed one (1) $37.00 overdraft fee the next business day. Transactions continued to post to your checking account while the balance was negative, which resulted in additional overdraft fees being charged to your account. Your account returned to a positive balance on February 26, 2016, when you received a $1,959.99 direct deposit. You mentioned that your car payment, which appears to be the $537.07 ACH transaction to Ally, was returned to Ally as unpaid. Please be advised this was not the case, and we paid the funds. A total of $518.00 in overdraft fees was assessed to your account from February 23, 2016, through February 26, 2016. You are a valued customer and in the interest of customer service, we waived $74.00 of the overdraft fees as a courtesy. We are unwilling to waive additional fees at this time. I regret any distress this may cause you. Please be advised that the option to opt in or out of overdraft coverage applies only to one-time debit card purchases and ATM transactions. Declining overdraft coverage does not prevent ACH transactions, check items, bill payments, or recurring debit card purchases from posting to the account, and the transactions may be assessed overdraft fees if they post when there are not enough funds available. If a customer is opted out of overdraft coverage and a one-time debit card purchase or ATM transaction is approved but then posts to the account while it has a negative balance, we will not assess overdraft fees for those transactions. The transaction to Ally was an ACH item and therefore would still have been approved if you had declined overdraft coverage, and the associated overdraft fee would have been charged. Your one-time debit card and ATM transactions that were approved before February 23, 2016, would not have been charged fees when they posted to the account. Additionally, any one-time debit card and ATM transactions attempted while the account was negative would have been declined. You mentioned that you were unable to find information about overdraft coverage on our website. Please be advised you can access information regarding overdraft coverage by logging into your accounts online at 53.com and clicking on the “Service Center” tab. On the next page within the second (2nd) blue box on the left side is a link that says “Overdraft Coverage Preferences.” By clicking that link, you can view the information about overdraft coverage as well as opt in or out of overdraft coverage. Enclosed is a copy of the Overdraft Coverage Disclosure available to you on that page. 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 T. Office of the President Pc: Revdex.com Enclosure: Rules and Regulations, Overdraft Coverage Disclosure, Opt In Letter, Opt Out Letter, Overdraft Notices (6)

[redacted] Date: January 19, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com concerning your installment loan. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On November 20, 2015, we confirmed receipt of the payoff payment that was posted to your installment loan with an effective date of November 20, 2015. Since that time, you should have received our notification letter confirming that your loan has been paid off and closed with a zero balance owed. After a loan is closed, we wait ten (10) business days before issuing refunds for any overpayments made to the loan. We do this to ensure that no accounting errors have been made prior to releasing refund checks. I apologize if you were told otherwise. On December 8, 2015, we issued a check in the amount of $13.23 for an overpayment from the payoff payment received. The refund check for $575.00 for the additional payment drafted by Auto BillPayer should have been issued to you and mailed on December 8, 2015, as well. However, due to a processing error, the refund check for $575.00 was not sent until December 18, 2015. We regret the inconvenience this may have caused you. However, we are unwilling to provide you with compensation, as you have requested. Thank you for your patience while waiting for a response. We valued your business and we hope you will consider using Fifth Third Bank for your financial needs in the future. If I may be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com

[redacted] Date: April 28, 2017 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to hear...

about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. To prevent an overdraft situation, you can review your account at an ATM (Automated Teller Machine), on our website at 53.com, through mobile banking, or by calling our Customer Service Department at ###-###-####. Our toll-free Telephone Banking system is available twenty-four (24) hours and Customer Service Representatives can be contacted at the same telephone number and are available Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m. ET. You are currently opted-in to Overdraft Coverage, which allows ATM and debit card transactions to be made even if you don’t have enough money in your account. You have the option of opting-out of Overdraft Coverage for ATM transactions and one-time Debit Card purchases. If you opt-out and attempt to authorize your card for an amount more than the balance in your account, the transaction will be immediately declined and you will not be assessed overdraft fees for these types of transactions. However, if the Bank is presented with checks, online bill payments, and Automatic Clearing House (ACH) items, we are obligated to make a decision on whether to pay or decline an item, which may cause either an overdraft fee or a return item fee. Customers can change their Overdraft Coverage preference at any time by visiting a Financial Center, online at our website 53.com, or by calling ###-###-####. Overdraft fees are assessed for items that posts while the account is overdrawn. We do not assess overdraft fees on pending transactions and per item overdraft fees will not be assessed if your account is overdrawn by $5.00 or less. Overdraft or return item fees post the next business day after the debits that contributed to the overdraft. An overdraft notice that includes a detailed breakdown of the day’s transactions is generated and sent to the address on file. On April 10, 2017, the beginning balance in your checking account was $358.87. Sixteen (16) debits totaling $616.21 posted to the account. Two (2) overdraft fees totaling $74.00 were charged to the account and they posted the following business day. The ending balance on April 10, 2017, was ($257.34). A cash deposit was made to the account on April 11, 2017, for $200.00. In addition, two (2) debit card purchases posted to the account on April 11. The deposit would not have prevented the already assessed overdraft fees from April 10 from posting to the account. Because the account was overdrawn on April 11, 2017 for ($142.28), the account was charged $74.00 in overdraft fees, which posted to the account on April 12, 2017. The account continued to carry a negative balance until your direct deposit on April 13, 2017. It is important to ensure your accounts have enough funds to cover all of the transactions you have authorized. As a courtesy to you, previous overdraft fees were waived on October 19, 2016, and February 22, 2017. We certainly sympathize with the difficulties you have encountered. In the interest of customer service, I credited your checking account for an additional $74.00 in overdraft fees on April 26, 2017. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

[redacted] Date: October 28, 2015 Accounts: [redacted] Regarding Your Platinum Credit Card Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Platinum Credit Card. We appreciate the time you have taken to document your thoughts and concerns, and sympathize with the difficulties you have experienced. We completed our research for the Platinum Credit Card account ending in [redacted]. On June 17, 2015, you began the short-term hardship plan. This plan was detailed in the letter that was sent to the address listed above on June 17, 2015, which I have enclosed for your records and review. 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. We also completed a review of the payment history for the account. On June 26, 2015, we received your payment in the amount of $25.00. Also, on August 28, 2015, we received a payment in the amount of $20.00. I have enclosed copies of these statements for your review. The enrollment letter that was sent to you also details the importance of making your minimum monthly payment, and if a payment is missed for two (2) consecutive months, your account will be removed from the plan. Because we did not receive a payment for a sixty (60) day period, you were removed from this plan on August 26, 2015. Our review determined there was no Bank error in removing the account from the hardship plan. For your information, you will be eligible to request hardship assistance for the account in March 2016. I am sorry for any additional frustration this may cause you. When an account is enrolled in a hardship program, you agree to pay per the payment terms listed on the enrollment letter. In this case, the agreed minimum monthly payment due for the next twelve (12) billing cycles was $14.00. Because you were removed from the plan on August 26, 2015, the terms and conditions of the Fifth Third Card Agreement apply to the account, including the calculations for the minimum payment due. For your information, your next payment is due November 12, 2015, in the amount of $673.88. I have also enclosed a copy of the Fifth Third Card Agreement and this statement for your records and review. Please note we attempted to contact you regarding the payment due for your account at the phone number on file with the Bank, but were unable to reach you. However, our records indicate that you called the Bank on July 31, 2015, to inquire if a $20.00 payment would be acceptable on the account. I am sorry for any difficulties you may have experienced when you contacted the Bank. Thank you for your patience while we researched this matter for 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, April Q. Office of the President Pc: Revdex.com Enclosures: Statements, Enrollment Letter, Fifth Third Card Agreement

[redacted] Date: October 28, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com concerning your installment loan. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On September 4, 2015, we received a payment in the amount of $12,491.72 that served as the full payoff of your installment loan. We have confirmed that your installment loan was paid off and closed on September 8, 2015. You should have received our notification letter confirming that your loan has been paid off and closed with a zero balance owed. On September 22, 2015, a check in the amount of $402.76 was mailed to you for the balance that remained after your installment loan was paid off due to an overpayment. Our records indicate that you cashed this check on September 29, 2015. According to your complaint, a second payment of $400.00 was made to your installment loan after the loan was paid off. Our Installment Loan Department reviewed your loan and could only locate the payment of $400.00 that posted to your loan on September 2, 2015. If a payment is received after a loan has been closed, the payment will be rejected and sent back to the issuing bank. We regret any frustration this may have caused you, but we will be unwilling to credit you for the additional $60.00 that you have requested. We appreciate the opportunity to further research this matter. We truly valued your business, and we hope you will allow Fifth Third Bank to service your financial needs in the future. If I may be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com

[redacted] Date: January 14, 2016 Account [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the second (2nd) rebuttal you submitted to the Revdex.com regarding your installment loan. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. As previously advised, we stand by the responses conveyed to you in our letters dated December 18, 2015, and January 6, 2016. Our position on this matter has not changed. As stated in our previous response, you will need to address any damage or missing item claims with [redacted] directly. After receiving your second (2nd) rebuttal we reached out to Michael K., the Claims Manager at [redacted] to bring to their attention your concerns. It is our understanding that you previously filed a claim with [redacted] that was denied. If you have any additional questions or concerns regarding the denial of your claim, please contact Mr. K. directly at ###-###-####. Please note that Fifth Third Bank is unable to assist you any further with this matter, or provide you with any compensation. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D. Office of the President Pc: Revdex.com

[redacted] Date: February 15, 2018 Account: [redacted] Regarding Your Basic Checking Account Dear [redacted]: We received a copy of the follow up 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 or frustration this matter may have caused you. However, the Bank stands by the response conveyed to you in our previous letter dated February 1, 2018. Our position on this matter has not changed. I have enclosed a copy of that letter for your convenience. 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 Enclosure: Previous Response

[redacted] Date: April 4, 2015 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the follow up letter you sent to the Revdex.com concerning your Essential Checking account. We appreciate the time you have taken to express your concerns regarding this matter. We initially received a copy of this complaint on March 20, 2017. We received a copy of your follow up complaint on March 29, 2017. However, we stand by the response conveyed to you in the previous letter sent on March 28, 2017. I have enclosed a copy of that prior correspondence for your review. Although we regret the issues you experienced, and although we empathize with your situation, we will not reverse additional overdraft fees that were assessed to your account. We feel that the resolution we have previously provided is sufficient. We regret any inconvenience or frustration this might cause you; however, our position on this matter has not changed. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosure (1): Previous Response Letter