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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

Customer called Revdex.com stating business has contacted him and resolved his concerns.

[redacted] Date: September 9, 2015 Account: [redacted] Regarding Your Fifth Third Bank Stand Up 2 Cancer [redacted] Dear [redacted]: We received your rebuttal to our initial response to your complaint filed with the Revdex.com, concerning your credit card. We appreciate the time you have taken to express your concerns regarding this matter. As we discussed in our phone conversation on August 18, 2015, we conducted a thorough review of your credit card account on your credit report. Our review determined that the information provided to the credit reporting agencies was not correct. However, as we agreed in our original response dated August 13, 2015, an update was submitted to the credit reporting agencies to remove the revoked status and the late payment marks. Please note, this may take up to thirty (30) additional days to reflect on your credit reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### The Bank uses an automated system to evaluate a customer’s account. The automated system uses information provided to the Bank by [redacted] in relation to a customer’s credit score. If the customer’s credit score falls within the decrease criteria, the credit limit will be decreased when the balance drops low enough to allow a decrease to take place. Therefore, due to the information received by the credit reporting agency, your credit card limit was decreased upon receipt of your monthly payment. However, the Bank will review your credit limit in thirty (30) days after the credit reporting agency corrections are reflected on your credit report. I hope this correspondence cleared up any outstanding questions you had related to this issue. 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 Enclosure (1): Previous Response Letter

[redacted] Date:      July 1, 2015 Account: [redacted] Regarding Your Business Debit [redacted] and Business Checking Account Dear [redacted]: We received a copy of your rebuttal recently filed with the Revdex.com. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please accept my sincere apology that our prior three responses did not answer all of your questions. Regulation E (Electronic Funds Transfer Act) covers disputes regarding unauthorized transactions on personal consumer accounts that involve the use of a personal consumer card. As I stated in my prior response, those rights do not apply to business accounts and cards. All of your accounts with Fifth Third Bank are Business Checking Accounts and Business Debit Cards and are not covered by Regulation E. On the consumer side, merchant disputes that are not covered by Regulation E would include things like merchandise ordered but not received, cancelled recurring subscriptions, defective merchandise, wrong merchandise received, and service not rendered. Although not covered by Regulation E, Fifth Third Bank makes every effort to assist our cardholders in resolving these merchant disputes by working directly with the merchants. Our policy to assist our cardholders with these types of disputes is a completion time of up to 120 days. Regulation E covers procedures for resolving errors on electronic funds transfers. Although not a fraud dispute, if a customer was charged the wrong amount by a merchant or charged twice for the same transaction, this is a Regulation E error. However, as I stated above, business accounts are not covered under this Regulation, only consumer accounts. On behalf of the Bank, please accept my sincere apologies if I failed to explain the Regulation or our policy regarding merchandise based disputes in my prior three responses. As I stated in my prior response, the dispute you are referring to in your complaint is a purchase you made with a company called [redacted] on April 15, 2015. You filed a dispute for this purchase on May 14, 2015, and the case number is [redacted]. This type of dispute is a merchandise dispute and can take up to 120 days for our dispute department to conduct their investigation and make a final decision. Should their research support your dispute, final credit will be issued to your account. However, if their research does not support your dispute, they will notify you by mail. If you have any questions or additional concerns while our Dispute Department conducts their investigation, you may contact [redacted], Disputes Servicing Specialist, at ###-###-####. 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,   [redacted] Office of the President Pc: Revdex.com Enclosure: Prior Response

[redacted]Date: June 9, 2015 Account: [redacted]Regarding Your Business Debit MasterCard and Checking AccountDear [redacted]:We received a copy of
your rebuttal recently filed with the Revdex.com. We appreciate the
time you have taken to document your thoughts and concerns regarding this
matter. Please accept my sincere apology that our prior response did not answer
all of your questions.Our records indicate
that you currently have three (3) dispute cases open with Fifth Third Bank. Two
(2) of the cases are merchandise disputes and one (1) is a fraud claim. The
fraud claim was filed on May 14, 2015, for a charge that posted on April 13,
2015, in the amount of $296.74 for [redacted]. The Bank gave you
provisional credit for the fraud claim two days after you filed the dispute, on
May 16, 2015.As
I stated in my prior response, the type of dispute you are referring to in your
complaint is with [redacted] Fifth Avenue, in the amount of $1,262.87 and is called a
merchandise based dispute. The Bank has a timeframe of up to 120 days to
conduct our investigation and complete merchandise based disputes. During that
time, we will research your dispute with the merchant and provide a decision to
you upon completion of our research. Should our research support your dispute,
final credit will be issued to your account. However, if our research does not
support your dispute, we will notify you by mail. The purchase in question is
something that you did in fact purchase and not an error on your statement.
Please note, merchandise based disputes are not covered by federal regulations.
However, the Bank researches these disputes for our customers as a courtesy if
they are unable to resolve with the merchant themselves. The Bank does not
provide provisional credit for merchandise disputes. On behalf of the Bank,
please accept my sincere apologies that this information was not clearly explained
in our prior response.[redacted], you
reference federal law requirements in your rebuttal to the RevDex.com. Error resolution for consumer debit card accounts is covered in
Regulation E. The Bank follows the requirements as outlined in Regulation E for
error resolution for consumer debit card accounts. It should be noted that your
accounts are business accounts and are not covered by Regulation E.Fifth Third Bank, Member FDIC.         Equal
Housing Lender. Fifth Third and Fifth Third Bank are registeredservice marks of Fifth Third BancorpWe 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,[redacted]Office of the PresidentPc: Revdex.com Enclosure: Prior
response

[redacted] Date: May 27, 2016 Account: [redacted] Regarding Your ATM Deposit Dispute Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Automated...

Teller Machine (ATM) deposit dispute. We appreciate the time you have taken to document your thoughts and concerns. On February 5, 2016, the enclosed letter was sent to you explaining that case [redacted] was opened to investigate your allegation that a cash deposit made via ATM in the amount of $740.00 was not credited to your account. An investigation was conducted, and the ATM was found to be in balance. On May 12, 2016, the enclosed letter was sent to you explaining the denial of your claim. It should be noted that we received your initial request for the dispute during your telephone call to the Bank on Sunday, April 3, 2016. Because the Dispute Resolution Department was closed, this information was forwarded to them for the case to be opened for further investigation. I am sorry for any concern it may have caused when you called the Dispute Resolution Department on April 4, 2016, and the case was not yet entered into the system. Based on your conversations with the Dispute Resolution Department, we reopened the investigation. However, after our additional review of the ATM, we confirmed that the ATM was in balance. Because the ATM is in balance, we are unable to approve your dispute. I apologize for any difficulties you may have experienced when attempting to discuss this matter with the Bank. 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: Dispute Status Letters

[redacted]
[redacted]
[redacted]
Date: July 19, 2016
Account: [redacted]
Regarding Your Real Life Rewards [redacted]
Dear [redacted]:
We received a copy of your rebuttal recently filed with the Revdex.com, concerning
your Real Life Rewards [redacted] account. We appreciate the time you have taken to
document your thoughts and concerns regarding this matter.
We have thoroughly reviewed your dispute and stand by the final denial of your claim. Enclosed
please find copies of all of our previous correspondence that we sent to you in response to your
Revdex.com (Revdex.com) complaints and [redacted])
complaint. As previously stated in a conversation with the Disputes Department on June 22,
2016, the Bank does not have any additional dispute rights under [redacted] and [redacted]
guidelines.
[redacted], I am truly sorry that you disagree with the final denial of your claim for the disputed
transaction of $750.00 from June 3, 2015. The Bank has guidelines they have to follow for
disputed [redacted] and [redacted] transactions. Unfortunately, the merchant provided
documentation in response to your dispute to support their case and your dispute was denied. If
you would like to continue to pursue this matter, you may wish to do so through the civil court
system. On behalf of the Bank, please accept my sincere apologies for any inconvenience this
matter may have caused you. I regret that adherence to these policies caused you any
frustration or inconvenience.
We strive to provide quality service to all of our customers, and I apologize if we failed to meet
your expectations. It was truly not our intention to cause you any hardship. As stated in a prior
response, we extended the promotional rate on your Real Life Rewards [redacted] through
September 2016, in the interest of customer service. The updated expiration date for the
promotional rate is now September 29, 2016. The promotional rate is 0.00% for purchases and
balance transfers.
[redacted], I understand your frustration when this situation occurred and we appreciate your
patience while we researched this matter. After multiple communications with you via mail, we
consider this issue closed and will no longer be sending written correspondence to you
regarding these matters. You were a valued customer and we sincerely hope that you
reconsider using 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,
Jennifer C.Office of the President
Enclosures (4): Previous Responses

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] Thank you for helping I received a letter from Fifth Third bank with an enclosure of there disclosure and there policy and late fee's procedures. They arw standing by there work.  Towards me saying that will not change there actions regarding me being unable to open another bank account anywhere which is very unfair.  Not allowing me to pursue my rights they were wrong by not disclosing and now I'm paying really don't know what else to do at this point. I was treated unfairly.

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.  5/3 has admitted that it made a mistake in the way the account was set up. I spoke with NUMEROUS employees at the bank over the years and ALWAYS told them that this was a representative/payee account. In fact, I cancelled a debit card that was sent to me and during that call I told the employee, this account is a payee account and should not have a debit card attached to it. The employee agreed and cancelled the card. So, after talking to several people at the bank, NO ONE ever said "hey, this account is set up incorrectly", I can assure you that is my account was being CREDITED money the bank employees would have been quick to correct how the account was set up. So, the 8 dollars that I have been charged for the past 7 years (per month) should be credited back to the account as it was a BANK error that allowed it to be charged in the first place.As far as the early access, even if the account was set up incorrectly by the bank, it was still ineligible for this service because it was not an INDIVIDUAL account. The bank should, at the very least, open this account back up and allow the "loan" to be paid off, removing it from collections and my credit report in the process. These loans were given OVER THE PHONE to someone using my ss number, a ss number is not a form of identification, a ss CARD is. I removed money from the account on the 3rd or 4th of every month because that is when the SS check was deposited, I had NO clue that the early access, which I was assured was going to be removed, was still being used. Again, this was done over the phone with out my knowledge and now the bank wants to ruin my credit because its employees did not do what was asked of them nor did they take any steps to correct the original error that was made when the account was being set up.   
Regards,
[redacted]

[redacted] Date: April 14, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your mortgage loan. We appreciate...

the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, 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. As you may already be aware, you have the right to request that PMI be canceled on or after the following dates: 1. The date the principal balance of your loan is first scheduled to reach eighty percent (80%) of the original value of the property. This date is April 1, 2023. 2. The date the principal balance reaches eighty percent (80%) of the original value of the property. When your loan is eligible to have PMI canceled, you must be able to meet all of the following requirements: 1. You submit a written request to have PMI canceled on your loan. 2. There must be a good payment history as defined in the Notice Concerning Private Mortgage Insurance. 3. You must be current on your loan payments at the time of the request to have PMI canceled on your loan. 4. The Bank receives, if requested and at your expense, satisfactory evidence to the holder of your loan that the value of your property has not declined below its original value, and certification that there are no subordinate liens on the property. On March 31, 2016, we received your written request to cancel PMI on your mortgage loan. On April 1, 2016, we sent a letter explaining that PMI could not be cancelled on the loan at that time. This is because the loan to value ratio at that time was ninety six point six percent (96.6%). Please also note that, in determining if PMI can be canceled, the Bank uses either the lesser of the appraised value of the property at loan origination or the sale price of the property at loan origination. In calculating the current loan to value ratio for the purpose of determining if PMI can be canceled on your loan, we used the appraised value of the property at loan origination of $184,823.00 and the current outstanding principal balance owed on the loan of $178,241.57. Your current loan to value for the purposes of determining if PMI can be canceled on your loan is ninety six point forty four percent (96.44%). Since the current loan to value is still greater than or equal to eighty percent, PMI cannot be canceled at this time. The replacement value of a home provided by a Homeowner’s Insurance Policy cannot be used to determine the loan to value ratio for the purpose of determining if PMI can be canceled on your mortgage loan. Additionally, nearby comparable home sales cannot be used to determine if PMI can be canceled on your loan. Please note that the rules concerning PMI are derived from guidelines established by the federal investor that owns your loan. The federal investor that owns your loan is Freddie Mac. If you would like to contact Freddie Mac directly, please contact them at the address listed below: Freddie Mac 8250 Jones Branch Drive Mclean VA 22102 You can also find additional contact information for Freddie Mac online at www.freddiemac.com. I want to be sure you are aware that you may still be able to have PMI canceled on your loan with a new appraisal of the property. If you would like to pursue this as an option, please complete the enclosed appraisal consent form and fax it to ###-###-####. Please note that if the Bank uses a new appraisal as the value of your property in determining if PMI can be canceled on your loan, the following conditions must be met: * The appraisal must be ordered by the Bank; it cannot be ordered by the borrower. * The borrower must pay for the cost of the Bank approved appraisal; the cost for a Bank approved appraisal normally ranges between $395.00 and $700.00. * The loan will need to be at seventy five percent (75%) of the new appraised value of the property. * The property must be either a Single Family Home or Second Home; it cannot be a rental property. * The loan must two (2) to five (5) years old For reference I have enclosed the information you received at loan closing regarding Private Mortgage Insurance. The document is titled Notice Concerning Private Mortgage Insurance and further explains the information outlined in my letter. Additionally, please also find the enclosed letter that we sent on April 1, 2016, which further explains why the Bank is unable to cancel PMI on your loan at this time. If you have additional questions please call the Bank’s Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET. 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 (3): Appraisal Request Form; Notice Concerning Private Mortgage Insurance; PMI Cancellation Request Denial Letter

[redacted] [redacted] [redacted] [redacted]3 Date: November 8, 2017 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 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 September 25, 2017, you contacted the Bank’s Disputes Resolution Department to dispute several charges that posted to your account. In response to the case that was opened, our Disputes Resolution Department sent you a letter on September 27, 2017, indicating the charges that are being disputed. The letter also explains that your account was provided with a temporary credit for the disputed charges. The temporary credit of $152.89 was provided and posted to your account on September 28, 2017. A copy of the letter dated September 27, 2017, is enclosed for your review and convenience. Although we strive to resolve dispute cases as quickly as possible, please be aware that your case will be finalized within thirty (30) to ninety (90) days from the date that the case was opened on September 25, 2017. For any questions regarding your case number [redacted], please contact our Disputes Resolution Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday 8:30 a.m. to 5 p.m., ET. I also want to assure you that the Bank takes protecting the security of our customers’ accounts very seriously. Although the Bank has appropriate safeguards in place, it is not always possible to prevent unauthorized charges from posting to a customer’s account. This is why we have a Disputes Resolution Department, which is a department dedicated to assisting customers who may have unauthorized transactions on their accounts. In addition to our Disputes Resolution Department, the Bank has other departments dedicated to protecting our customer’s against fraud. If you still want to close your account, as is indicated in your complaint, please visit any Fifth Third Banking Center for assistance. A telephone initiated request to close an account can only be completed if there is a zero (0) balance in the account at the time of the request to close the account. You may also send a written request to close your account. If sending a written request to close your account, please be sure to include the following information: ** Date ** Your Name ** Your Full Account Number ** Your Notarized Signature ** Your current address so a check can be sent to you for the remaining balance in the account Alternatively, you can complete the enclosed Account Closing Request Form. If sending a written request to close your account, please send the request to our Oak Park Banking Center at the following address: Fifth Third Bank [redacted] 
[redacted] 
[redacted] A written request to close your account can also be sent to my attention at the following address: Fifth Third Bank Office of the President 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 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): Letter Dated September 27, 2017 Account Closing Request Form

[redacted] [redacted] [redacted] Date: March 13, 2018 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your installment...

loan. We appreciate the time you have taken to document your thoughts and concerns. Please find enclosed a copy of the Release of Lien letter mailed to you on March 7, 2018. On behalf of the Bank, please accept my sincere apologies for any inconvenience the delay in receiving this information 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. 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, Jennifer M.Office of the President Pc: Revdex.com Enclosure: Release of Lien Letter

[redacted] Date: February 1, 2018 Account: [redacted] Account: [redacted] Regarding Your Debit Card Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning...

your debit card. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. When we initially spoke on the telephone regarding this matter on January 16, 2018, I explained to you that the issue you experienced was resolved on January 13, 2018, when you contacted the Bank’s Customer Service Department. At that time, and per your request, your debt card ending in [redacted] was properly connected to your checking account ending in [redacted] Since you confirmed with me at that time that the issue had been resolved, I did not take any further actions. On January 25, 2018, we received a copy of the complaint you filed with the Revdex.com. At that time, I called you regarding the issue. As we discussed during our telephone conversation on January 25, 2018, you visited our [redacted] Banking Center located at [redacted], [redacted], [redacted] on January 25, 2018, to deposit funds into your checking account ending in [redacted] To verify your account information, you provided the employee assisting you with you with your debit card ending in [redacted]. The employee assisting you entered your debit card number into the Bank’s account servicing system. When any of your account numbers are entered into our account servicing system, all of your Fifth Third accounts are displayed. Without checking to see which checking account was connected to your debit card ending in [redacted], the employee assisting you simply asked into which account you wanted to deposit. If the employee had checked to see which checking account was connected to your debit card, they would have seen that your debit card ending in [redacted] is only connected to your checking account ending in [redacted] They also would have seen that your debit card ending in [redacted] has only been connected to your checking account ending in [redacted] since January 13, 2018, when this matter was originally resolved. When we spoke, I also explained that, in the future, you can certainly call me directly with any additional issues, as I am happy to assist you. Before we ended our conversation, you confirmed that this matter has been resolved. Please also accept my sincere apologies for the level of service you received when you previously contacted the Bank regarding this matter. We strive to provide professional and accurate service to our customer 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

[redacted]Date:         July 6 2015Account: [redacted]Regarding Your Mortgage AccountDear [redacted]:We received a copy of your rebuttal complaint filed with the Revdex.com, concerning your Fifth Third Bank Mortgage Loan. We understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience these matters have caused you. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account.I want you to know that I have already taken action on your feedback. After speaking with you and receiving your complaint from the Revdex.com, I have shared the concerns you brought to our attention with the appropriate departments within the Bank. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction.Our Escrow Department is willing to process an exception to cancel the escrow account on your mortgage loan ending in [redacted], after the remaining escrow shortage of $397.44 is paid in full. Once the escrow account is cancelled, the mortgage loan payments received from March through June will be backdated. As a result, the late charges assessed will be waived and the delinquencies reported to the credit bureau agencies will be removed.You may send the payment for your escrow shortage to my attention at the following address:Fifth Third BankOffice of the PresidentAttention: [redacted]   We appreciate your patience while we researched your request. 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, [redacted] Office of the PresidentPc: Revdex.com

[redacted] Date: February 1, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com, regarding the...

difficulties you have experienced with your installment loan account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to respond to your concerns. I would like to assure you that our online banking system is not intended to cause you any hardship. Our goal is to provide professional and accurate service to our customers and I am truly sorry if that has not been your experience. We appreciate your feedback as it allows us to continuously improve the level of service provide to our customers. Please know that our senior management regularly reviews customer feedback as part of our commitment to improving our operations. Customers that attempt to make a payment via 53.com can sometimes receive an error of “unable to make payment, call customer service”. This typically occurs when the payment date is today’s date but it’s past cutoff time. When this occurs, you have the option to change the payment to the next business day or another day of your choice. On January 7, 2016, our records indicate that you logged onto our internet site, www.53.com, and accepted the internet banking terms and conditions. During that visit, you set up an external payment source from your non-Fifth Third checking account ending in [redacted]. Unfortunately, our records indicate that setting up your account was the only thing that occurred on that day. Our records do not reflect a payment being scheduled on January 7, 2016, in the amount of $319.70. Because a payment didn’t post to your account to satisfy the January 8, 2016, payment obligation, your account was assessed a late fee in the amount of $15.99 on January 18, 2016. In the interest of customer service, we reversed the late fee and credited your account in the amount of $15.99 on February 1, 2016. We trust this meets with your satisfaction. On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience this matter may have caused you. On January 21, 2016, we received and posted a payment to your installment loan account in the amount of $319.70. This payment satisfied the payment that was due on January 8, 2016. The next payment due on your account is $319.70 by February 8, 2016. For your convenience, I have enclosed a copy of our Internet and Mobile Banking Digital Services User Agreement, which you agreed to when you began using our Internet Banking website. You can view an electronic copy of this document by visiting www.53.com, then clicking on the “Privacy & Security” hyperlink at the top of the page, then clicking on the “About Our Site” hyperlink near the bottom of the page, and then clicking on the “User Agreement (PDF)” hyperlink on that page. If you have any questions concerning where to find this document on our website, please feel free to contact me using the telephone numbers provided at the end of this letter. [redacted], I can assure you that it was not our intention to cause you any frustration or any undue hardship. You are a valued customer, we appreciate your business, and we look forward to serving all of your banking needs in the future. On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this situation may have caused you. If I could be of further assistance to you please contact me at ###-###-#### or toll free ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C. Office of the President Pc: Revdex.com Enclosure: Fifth Third Internet and Mobile Banking Digital Services User Agreement

[redacted] Date: April 25, 2016 Regarding Your Revdex.com Rebuttal Dear [redacted]: We received a copy of the rebuttal you filed with the Revdex.com concerning our response to a check that was returned unpaid to you due to it being fraudulent While we would like to offer our sincere apologies for any inconvenience this matter may have caused you. We stand by our previous response to you dated April 5, 2016, and recommend contacting your local police department so they can assist you with filing the necessary documents for any fraud that may have occurred. I have enclosed a copy of our original response for your convenience. We strive to provide professional and accurate service to our customers, and I apologize for any difficulties you may have experienced. If I could be of further assistance to you, please call me at 616-653-7056, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shannon K.Office of the President Enclosure: Original Response.

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 bank has offered to reinstate the card so that this particular blemish on my credit was removed. The card is still not open however, even though the card is closed fifth third continues to lower the credit limit whenever we make a large payment (which is every month as we consistently pay 4-5 times the payment) each time this happens my credit receives a negative report and lowers.This whole thing began with a misunderstanding. We were leaving town and paid a payment (several times the minimum) and because it was early it went into the previous month leaving us with a payment missed. I requested grace on this matter and with my initial conversations with 5/3 thought this would be taken care of.  After my last conversation I understand they are planning to let this stand.This has caused a 200 point drop in my perfect credit. Because of the late pay and their dubious practices of lowering the limit whenever we make a payment. I own a small business and this will now make it impossible to get a loan to open a new store. Why??? Because I made a payment (larger than requires) 2 days early. I get rules, but there needs to be exceptions. This will not be resolved in my opinion until the 40 day late is removed from my credit. This has had such a devastating effect on my business.
Regards,
[redacted]

[redacted] Date: August 31, 2016 Application #: [redacted] Regarding Your Mortgage Loan Application Dear [redacted]: We received your additional complaint filed with the Revdex.com regarding your mortgage application. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We have reviewed your additional concerns regarding the application fee. We apologize for any difficulty or concern this may cause you; however, we stand by the response conveyed to you in our previous letter dated August 22, 2016. For your reference, I have enclosed a copy of our prior correspondence. Per our previous correspondence, the application fee is charged for processing the application. As indicated on the pricing agreement, “This loan processing fee does not represent a pre-payment of specific closing costs. It does, however, represent a pre-payment of a portion of the total settlement costs. Assuming your loan application is approved, this prepayment of settlement costs will be applied towards your total costs due at closing your transaction. If your application is not approved, is withdrawn, or is approved and does not close, you will NOT be entitled to a refund of any fees paid including but not limited to the loan processing fee and long term rate lock fee.” For your reference, I have enclosed a copy of the pricing agreement. 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, Brandy W.Office of the President Pc: Revdex.com Enclosures: Prior Correspondence, Pricing Agreement

[redacted] Date: January 20, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your checking...

account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. You processed an Online Bill Payment via our website at 53.com to your [redacted] credit card account for $4,500.00. You scheduled the payment to process from the checking account ending in [redacted] on November 30, 2016. When the payment processed as requested on November 30, 2016, there were insufficient funds in the checking account to cover the transaction. As a result, the $4,500.00 was returned by the Bank as unpaid. Please note that Online Bill Payments are sent as a check to the payee or they are submitted via an Automated Clearing House (ACH) transaction. If the payment is made via ACH, our Online Bill Payment vendor pays the bill with their own funds. The vendor then drafts the payment from your account to reimburse the funds they used to pay your bill. This means that [redacted] received the $4,500.00 payment, but the money was unable to be drafted from your account. Our vendor will attempt to draft the funds multiple times from the account you selected in an attempt to reimburse. If the vendor is unable to be repaid, then the customer’s information is sent to the vendor’s collection department. The $4,500.00 was processed on November 30, 2016, December 5, 2016, and December 8, 2016. Each attempt was returned as unpaid for insufficient funds. As a result, your account was charged one (1) $25.00 returned item fee and two (2) $37.00 returned item fees. The fees assessed to the account are listed on page three (3) of the enclosed Rules and Regulations. I confirmed that you successfully made the payment to [redacted] from your checking account ending in [redacted] on December 2, 2016, using the Online Bill Payment system. Please note that scheduling a separate successful payment does not cancel out the previously unsuccessful payment. The payments are separate from each other. Our Online Bill Payment vendor was able to receive a refund of the $4,500.00 they paid to [redacted] that they were unable to recoup from your checking account ending in [redacted]. I understand that you requested to have all fees related to the Online Bill Payment reversed. I verified that $74.00 of the total $99.00 in returned item fees have already been waived. Because we value your relationship with the Bank, and because we empathize with the issue you experienced, we reversed the remaining $25.00 returned item fee in the interest of customer service on January 18, 2016. Please note that it is each customer’s responsibility to ensure there are available funds in the accounts from which they have scheduled Online Bill Payments. The Bank and the Bank’s Online Bill Payment vendor will not send a warning to the customer if there are insufficient funds to make or schedule the payment. You also mentioned that due to the [redacted] transaction processing multiple times, your account ending in [redacted] was converted from a savings account to a checking account. Please be advised that Federal Regulations limit the number of electronic withdrawals that can be processed from a savings account. Page twenty (20) of the Rules and Regulations provides information regarding savings account transactions. You are allowed six (6) electronic withdrawals of the following types each month: ** Automatic transfers from a savings account to cover an overdraft via Overdraft Protection ** Transfers of funds or bill payments to third (3rd) parties or other deposit accounts at Fifth Third Bank ** Preauthorized ACH or Electronic Transfers ** Fifth Third Telephone Banking or any money management payment from your savings account ** Point-of-sale transactions with a debit card ** Checks or drafts payable to third parties After three (3) instances in twelve (12) months of exceeding the allowable number of monthly withdrawals or transfers, your savings account may be closed and the funds transferred to a checking account. Enclosed are copies of the letters we sent to you on February 27, 2015, March 31, 2016, August 31, 2016, and September 30, 2016, notifying you that you had exceeded the limit of restricted savings account transactions. You exceeded the transaction limit three (3) times in a twelve (12) month timeframe. Per the letter issued on September 30, 2016, we converted the savings account ending in [redacted] to a checking account to comply with Federal Regulation. The account conversion occurred in October 2016, which was prior to the attempted [redacted] card payments. Per the notice, the checking account has an $11.00 monthly service fee, which is reduced to $8.00 if you have direct deposits totaling $500.00 or more. Please be advised that we are not permitted to convert the checking account back to being a savings account. If you would like to determine if a different checking account type would work best for you, I encourage you to visit a Banking Center or contact our New Accounts Department at ###-###-####. That department is available to assist you Monday through Friday from 8 a.m. to 8 p.m., ET, and on Saturday from 8 a.m. to 5 p.m., ET. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Rules and Regulations, Limited Transactions Notification

[redacted]Date: December 16, 2015 Account:     [redacted]Account:     [redacted]Regarding Your Checking AccountsDear [redacted]: We received a copy of your rebuttal filed through the Revdex.com concerning your checking accounts.  We appreciate the time you have taken to express your thoughts and concerns regarding this matter.We stand by our previous response to you dated November 18, 2015.  We are not willing to reverse any additional overdraft charges.Our records reflect that the account ending in [redacted] was charged off on December 8, 2015 and the account ending in [redacted] was charged off on December 1, 2015.  Both accounts were charged off due to the overdraft situations.  In addition, both accounts were sent to a third party vendor, Allied Interstate, for further collection purposes.  Please direct any additional collection correspondence regarding your accounts to them.  They can be reached directly at ###-###-####    On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter 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, Carolyn G.Office of the President