PROCORPSA

[redacted] Attn: [redacted] Date: June 23, 2016 Account: [redacted] Regarding Your Recent Deposit Hold Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com...

regarding your ATM (Automated Teller Machine) deposit and the subsequent hold placed on the funds. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. It was certainly not our intention to cause you any hardship. I 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. 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. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately; the remaining funds will be made available on the next business day. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday, or a Federal holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal holidays. ATM deposits received after the cut-off time of 7:00 PM EST (Eastern Standard Time) will be treated as deposited on the next business day. 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 seventh (7th) business day after the day of your deposit. For your convenience, I have enclosed a copy of our current Rules and Regulations. Please refer to pages eighteen (18) and nineteen (19), which provide additional information regarding funds availability policy. You deposited a check into your checking account ending in [redacted] for $1,352.00 at a Fifth Third Bank ATM on June 15, 2016. A hold was placed on this deposit due to repeated overdrafts on this account. Because your deposit was not made in person, we were unable to notify you at the time of the deposit that there would be an extended hold on the funds. The hold was placed systematically based on the information received at the time of deposit. For this reason, we mailed a notice to you at the address listed above on June 16, 2016, that notified you of the hold that we placed. The notice explained that $1,352.00 would be on hold and would become available to you on June 24, 2016. I have enclosed a copy of the hold notice for your convenience. I apologize for any misunderstanding that may have occurred with this matter. Please be assured, I have verified that as of June 23, 2016, no fees have been received on your checking account associated with this transaction. [redacted], I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. If I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET Sincerely, Sarah S.Office of the President Enclosures (2): Rules & Regulations Important Information about Your Recent Deposit Letter

[redacted] Date: January 10, 2017 Account: [redacted]Regarding Your Fifth Third Bank Installment LoanDear [redacted]:We received a copy of the follow-up complaint you recently filed with the Revdex.com,concerning the information being provided to the credit reporting agencies. We appreciate the time youhave taken to express your concerns regarding this matter.Your original complaint was filed on February 13, 2015. We received a Revdex.com complainton December 13, 2016, and the follow-up complaint on December 23, 2016. Please find enclosed copiesof the previous letters sent on February 27, 2015, and December 22, 2016. On behalf of the Bank, pleaseaccept my sincere apologies for any inconvenience or frustration this matter may have caused you. It wascertainly not our intention to cause you any hardship.As mentioned in our response dated February 27, 2015, your installment loan had a ten (10) day graceperiod. However, the grace period does not change your payment due date. This grace period onlyrelates to the charging of a late fee. You entered into a loan modification agreement in December 2013.We have provided you a copy of the loan modification agreement in our December 22, 2016 response.This agreement states that the loan would revert back to your original payment and interest rate if youbecame two (2) or more payments past due. When the Bank did not receive a payment between July 16,2014 and September 5, 2014, your loan did fall two (2) payments past due.As part of the loan modification, the Bank agreed to reduce the principal balance on your installment loanby $2,100.00. On August 29, 2014, this amount was correctly added back to the principal balance owedon your installment loan. In error, the $2,100.00 was also charged off that same day. As stated on theenclosed loan modification agreement, the balance should have been added to the principal balance ofyour installment loan and not charged off.Upon further review we have determined the information provided to the credit reporting agencies was notcorrect. We have submitted a request to remove the charge off from your credit reporting. You will receivenotice of this update under separate cover from our Operations Department. Please allow approximatelythirty (30) days for the credit bureau agencies to update their reporting. We have submitted an updated toall three (3) credit bureaus to remove the negative information. If you would like to contact the credit reporting agencies directly, their contact information can be found below:[redacted] ###-###-####[redacted] ###-###-####[redacted] ###-###-####[redacted] ###-###-####I hope this correspondence cleared up any outstanding questions you had related to this issue. If I can beof further assistance, please contact me toll free at ###-###-####, or directly at ###-###-####, Mondaythrough Friday, 8 a.m. to 6 p.m., ET.Sincerely,Patrick S.Office of the PresidentPC: Revdex.comEnclosures: Prior Responses (2)

[redacted] Date: August 5, 2015 Account:     [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com on July 29, 2015,...

concerning the hold placed on your deposits into your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We strive to provide professional and accurate service to our customers and I am sorry if that has not been your experience. Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers. Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. 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. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately; the remaining funds will be made available on the second business day. Cash deposited into an account is immediately available. 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 seventh (7th) business day after the day of your deposit. This Bank policy is outlined in the Rules and Regulations, which you received upon opening your account. In researching your concerns, we found that a check for $2,600.00, which you deposited at the [redacted] Financial Center, was posted to your account on July 10, 2015. Our system placed a hold on the deposit when it was processed due to the repeated overdraft situations on your checking account. In addition, a check for $3,500.00, which you deposited at the Ferguson Financial Center, was posted to your account on July 27, 2015. You were notified that both of these deposits would be held due to the repeated overdrafts on your checking account. Enclosed please find copies of the letters mailed to you regarding these deposits. Please note that within the last two (2) months, your account had become overdrawn on eleven (11) occasions. Our records reflect that we have reversed a total of $111.00 in overdraft charges on your account in the last month. Therefore, we are not willing to reverse any additional overdraft charges. 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, Carolyn G.Office of the PresidentPc: Revdex.com Enclosure: (2)

[redacted] Date: April 8, 2016 Account: [redacted] Regarding Your Fifth Third Bank Platinum [redacted] Dear [redacted]: We received your follow up complaint filed with the Revdex.com, concerning your credit card payments. We appreciate the time you have taken to express your concerns regarding this matter. We received your original complaint filed with the Revdex.com on March 10, 2016. We received your follow up complaint on April 4, 2016. However, we stand by the response conveyed to you in the previous letter sent on March 25, 2016. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. As mentioned in our original response, you failed to make your minimum payment for two (2) consecutive statement cycles, and on December 22, 2015, the Bank revoked the use of your credit card transactions. Because your account has been revoked, you are not able to make automated payments online, or through our Auto BillPayer system. However, if you are interested in setting up automatic payments from your checking account, you can schedule up to four (4) payments with our collection department. The collection department phone number is ###-###-####. A customer service representative is available, Monday through Friday, 8 a.m. to 9 p.m.; Saturday and Sunday, 8 a.m. to 5 p.m., ET. 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: Prior 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.
Regards,
[redacted]
Their original response clearly shows that $44.00 was being accepted into the account from [redacted].  If they would like I will have [redacted] provide the account they were sending the money to. They have a record but do not think I do, this is bordering on fraud if not fraud. I am waiting for [redacted] to send documentation which I will also share with my attorney.

[redacted] Date: December 29, 2016 Account: [redacted] Regarding Your Auto Loan Dear [redacted]: We received a copy of the rebuttal you submitted to the Revdex.com auto loan. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. However, we stand by the response conveyed to you in our previous letter dated December 19, 2016. Our position on this matter has not changed. In your rebuttal you mention that you were told that the two (2) payments you made in October would bring your auto loan current. This is true. The payment that posted on October 14, 2016, satisfied your September 2016 payment, and the payment that posted on October 17, 2016, satisfied your October 2016 payment. After those payments posted to your loan, your loan was due for your next payment on November 28, 2016. However, we did not receive that payment before the end of your ten (10) day grace period, so a late charge of $50.79 was assessed on December 8, 2016. On December 13, 2016, we received your payment of $558.66 which satisfied your November 2016 payment. On December 23, 2016, we received your payment of $457.08 which satisfied your December 2016 payment. As of December 28, 2016, your auto loan is due for your next payment of $507.87 on January 28, 2016. You also mentioned that you have been trying to enroll in Auto BillPayer. A review of our records shows that as of December 28, 2016, Auto BillPayer is waiting on your completed enrollment form. You had informed me that a new form was being sent to you; however, I have enclosed a copy of the form in case you have not received it. You may send the completed form to me at the following address: Fifth Third Bank Office of the President Attn Elizabeth Draper 5050 Kingsley Drive MD 1MOCOP Cincinnati OH 45263 You may also fax the completed enrollment form to me at 513-358-3493. Once I have the completed enrollment form, I will ensure that it is forwarded to Auto BillPayer to set up your automatic withdrawals. If you have any questions regarding your Auto BillPayer enrollment, please contact Auto BillPayer at 800-837-2000, Monday through Friday, 8 a.m. to 5 p.m., ET. You also mentioned in your rebuttal that you did not take out a loan with Fifth Third Bank. In order to research this matter further, we will need additional information. You may contact me at either number below, by mail at the address above, or by fax at the number listed above. I will be happy to assist you. Thank you for your patience while we conducted our additional research. 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 contact me directly at 513-358-1813, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth Draper Office of the President Pc: Revdex.com Enclosure: Auto BillPayer Enrollment Form

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11827850, and find that this resolution is satisfactory to me.  The company has fixed the error and everything has been adjusted to the correct balance. thank you very much
Regards,
[redacted]

[redacted], [redacted] Date: April 22, 2016 Account: [redacted] Account: [redacted] Regarding Your Checking and Credit Card Accounts Dear [redacted]: We received a copy of the rebuttal complaint you filed with the Revdex.com, regarding the overdraft fees assessed to your checking account and the Annual Percentage Rate (APR) for your credit card account. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience this situation may have caused you. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. As stated in our prior correspondence, there are some instances when we reserve the right to place a hold for 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 seventh (7th) business day after the day of your deposit. For your convenience, I have enclosed a copy of our Rules and Regulations Applicable To All Fifth Third Consumer And Business Banking Accounts And Cards booklet for your review. Please refer to pages seventeen (17) through nineteen (19), which provide additional information regarding funds availability policy. On March 28, 2016, an Automated Teller Machine (ATM) deposit in the amount of $5,000.00 posted to your checking account. The following day, a notice was sent to the address on file to inform you that a hold had been placed on the deposit due to repeated overdrafts in your checking account. The notice also stated the following: We make every attempt to convey this information (a) at the time the deposit is made; or (b) when we get information necessitating the hold. However, if you did not receive this at the time you made the deposit and the check deposited is paid, we will refund any Fifth Third Bank fees for overdraft or returned checks that result solely from the additional delay we imposed by placing the hold. The deposit hold was effective on your checking account from March 29, 2016, through April 5, 2016. During this time, one (1) overdraft fee was assessed to your account. On April 1, 2016, the beginning balance for your checking account was $5,724.71. It should be noted that the held funds were included in your beginning account balance. Nine (9) transactions totaling $5,756.13 posted to your account. Therefore, your ending account balance was negative ($31.42). In this instance, the deposit hold was not the reason your account was overdrawn. As a result, an overdraft fee of $37.00 was assessed to your account and posted the following day. On April 5, 2016, additional overdraft fees totaling $76.00 were reversed and credited back to your checking account because we sympathized with the difficulties you have encountered. Copies of your most recent statement and the overdraft notice referenced above are enclosed for your review. Your credit card ending in [redacted] is connected to your checking account as overdraft protection. Therefore, funds from your credit card may be transferred if your checking account becomes overdrawn. One (1) overdraft transfer charge of $12.00 is assessed per occurrence. The overdraft protection transfer amount is posted to your credit card as a cash advance and subject to the cash advance rate on your account. After further review, we confirmed that the cash advance APR for your credit card is fixed at 24.99%. As a result, the cash advance APR has not been increased or changed. Each time an overdraft protection transfer is posted or you take a cash advance, the account begins to accrue interest immediately with no grace period to pay it back. I have included copies of your September 2015 to April 2016 credit card statements so that you may verify the cash advanced APR for your account. If you are experiencing a financial hardship and having difficulty making your credit card payments, please contact our Loss Mitigation Department for assistance at ###-###-####. Representatives are available Monday through Thursday, 8 a.m. to 9 p.m., Friday 8 a.m. to 5 p.m. and Saturday 8 a.m. to 12 p.m., ET. [redacted], please be assured that it was not our intention to cause you any hardship or frustration. 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 contact me directly at ###-###-#### or toll free at ([redacted]) [redacted] Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S. Office of the President Enclosure(s): Rules and Regulations booklet, Deposit hold letter, Overdraft notice, Statements Pc: Revdex.com

[redacted] [redacted] [redacted] Date: April 6, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your additional complaint submitted to the Revdex.com (Revdex.com), as well as the complaint you filed with the Consumer Financial Protection Bureau (CFPB), concerning your inability to make partial payments on your mortgage loan. Please be assured that Fifth Third Bank continues to take your feedback seriously, and I appreciate the additional time you have taken to communicate your thoughts and concerns surrounding this matter. We regret any misunderstanding that has been experienced surrounding this issue, but our continued research regarding advertisement on 53.com for the previously offered Early Mortgage Payoff Plan (EMPP) concluded that this is not an active offer. As we discussed previously, this service has been discontinued, and new enrollment into the program was stopped October 1, 2014. Upon further review of the screenshot showing EMPP advertising which was emailed to a representative in our Escalations Department, we have verified that this advertisement was accessed via an outdated link, combined with cookies. Visiting 53.com directly will best assist you in viewing the currently available products and services we have to best meet your financial needs. Our review of your account indicates a second (2nd) payment of $360.00 has been received for your mortgage loan April 1, 2016. As stated in our previous communication, once additional funds were received totaling the payment amount due April 1, 2016, these amounts could be combined to make the full required payment. According to our records, this adjustment was completed April 5, 2016. Your next payment of $719.93 is due May 1, 2016. Additionally, I sincerely regret your feelings surrounding less than quality service you have received. Our intention is to continually provide exceptional service to our customers, and it was not our intention to cause you any hardship. [redacted], I understand your frustration surrounding this matter, but hope this explanation satisfactorily addresses your concerns. You are a valued customer, and we look forward to serving for your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S.Office of the President Pc: Revdex.com

To Whom this May Concern:This is in support of my complaint. This was the first correspondence I received from Fifth Thrid Bank. Lucas Hill was to initiate a mortgage application within the week of sending this email. It has been in review for almost 5 months. We are supposed to close on our loan...

this Wednesday but it didn't come without a painstaking process and an extra 4 months of paying our high rate lot loan. We are not happy with this bank. We are not happy with the lack of professionalism during the process. Unfortunately we have to deal with them for the next 9 months or so while our house is under construction. I'm hoping they get their act together so that the next step isn't such a daunting one.[redacted]re:Complaint ID: [redacted]----- Forwarded Message -----From: "Hill, L." <[redacted]>To: "[redacted]" <[redacted]> Sent: Wednesday, March 22, 2017 4:23 PMSubject: Fifth Third Mortgage- Construction LoanHi [redacted], It was great speaking with you today.    I forgot to ask you how much you intend to borrow?    We can lend 90% up to $424,000 and then 80% if over $424,000.   You are able to use the equity in the land you just purchased toward the down payment.    We would need to pay off the loan on the lot and roll it into our new construction loan.   Cost of Lot = $215,000Estimated Cost to build home = $350,000Total Value = $565,000.  80% of $565,000 = $452,000 max loan amount based on above estimated cost to build.   The 30yr Jumbo Fixed rate today is:  4.375% for a 9mth build.  The 15yr Jumbo Fixed rate today is 3.625% for a 9mth build.    This is for loan amounts above $424,000.    If loan amount is below $424,000, the 30yr Fixed Rate would be 4.25% and the 15yr Fixed rate would be 3.50% for a 9mth build.   Fifth Third has a 1 time close, so even if rates go to 5% while your home is being built you will still keep the rate we close at.   There is no cost for an extended rate lock and there is no rate modification when home is completed.    During the build you will make interest only payments based on the amount advanced to builder at the note interest rate.   I have attached my Construction Loan Flyer along with a checklist of items we will need.    Don’t worry about the application fee, I will waive it for  you.   Please let me know if you have any questions. Thank you!!   Lucas H.Vice PresidentArea Sales Manager – [redacted]Fifth Third BankPh: ###-###-####  | Fax: ###-###-#### [redacted]

[redacted]Date: August 26, 2015Account:       [redacted]Regarding Your Installment Loan PaymentDear [redacted]:We received a copy of your complaint submitted to the Revdex.com concerning how your...

payment has been applied on your installment loan. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns.On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. We have thoroughly researched the issue surrounding your last two payments posting incorrectly with $305.62 processing as the regular payment, and $94.38 processing as a curtailment. In addition to the matter most at hand, we regret any confusion this verbiage has caused. To provide clarification, a curtailment is a payment above and beyond the regular monthly payment that can also be referred to as a principal only payment. Additionally, I want you to know that customer feedback such as yours is reviewed with our senior and executive management as part of our ongoing commitment to improving our operations.Our research regarding your payments determined that the regular payment portion set in the reoccurring transfer appear to have inadvertently been set as $305.62 rather than the $385.66 it was likely intended to be. Upon review of your scheduled transfers, it appears that this has been cancelled going forward. If you choose to reschedule the automatic transfer for $400.00, please be sure to double check the amount set for the regular payment portion to avoid future issues of this sort.You may also want to consider enrolling in Auto BillPayer as a convenient alternative to either mailing in or transferring your monthly payment via 53.com. Auto BillPayer will automatically transfer your monthly payment from your Fifth Third Bank checking account to your installment loan at no additional charge. Auto BillPayer makes your total installment loan payment on time each month, preventing the added cost of a late charge. If you are interested in enrolling in Auto BillPayer, please contact Auto BillPayer toll free at ###-###-####, Monday through Friday, 8 a.m. to 5 p.m., ET.I want to assure you that we have verified no late marks were showing on your credit report by performing soft pulls to all three of the major credit bureaus. If you have any issues regarding this matter, please feel free to reach out to me directly.[redacted], I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,Sarah S.Office of the President Pc: Revdex.com

[redacted] Date: September 11, 2017 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your...

vehicle installment 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 customer satisfaction. On June 1, 2017, you contacted the Bank to establish your loan to be paid using the Bank’s Auto BillPayer service. At that time, the account was updated with your payment instructions; however, the Auto BillPayer bill payment instructions could not be finalized until we received verification of the paying account from you. On June 29, 2017, the Bank received verification of the paying account from you. The first (1st) loan payment, as indicated in the letter sent on June 29, 2017, was scheduled to be paid by Auto BillPayer on August 2, 2017. A copy of the letter dated June 29, 2017, is enclosed. Due to an error made by an employee of the Bank, the payment was not made. This error has since been corrected, which is why Auto BillPayer successfully drafted the loan payment on September 1, 2017. On April 18, 2017, your loan was opened in our systems. You regularly scheduled loan payment of $287.77 is due on the second (2nd) of each month. The first (1st) loan payment was scheduled for June 2, 2017. On June 1, 2017, we received your loan payment of $300.00, which satisfied the loan payment that was due on June 2, 2017. The next loan payment was due on July 2, 2017. The payment that was due on July 2, 2017, was not received until July 25, 2017. Since this payment was received after the ten (10) day payment grace period, a late payment fee of $13.78 was assessed on August 12, 2017. Since you stated that you were told Auto BillPayer would draft your loan payment on July 2, 2017, the late payment fee of $13.78 was reversed on August 10, 2017, when you contacted the Bank at that time. The next payment we received was successfully paid by Auto BillPayer on September 1, 2017. The September 1, 2017, payment satisfied the payment that was due on August 2, 2017. Since the payment that was due on August 2, 2017, was not received until September 1, 2017, a late payment fee of $13.17 was assessed on August 12, 2017. Because of the issue you experienced, the late payment fee of $13.17 was reversed on September 6, 2017. Although the issue you experienced did result in late payments on your loan, as was explained to you during our telephone conversation on September 6, 2017, this did not result in any negative credit reporting of the account, since neither of the late payments was thirty (30) or more days late. Also during our telephone conversation on September 6, 2017, I explained that the loan was still due for the September 2, 2017, payment; therefore, you authorized a payment of $300.00, which was processed and posted to the loan at that time. The next loan payment is due on October 2, 2017, and will be drafted by Auto BillPayer. For verification of the account activity outlined in this letter, a copy of the loan payment history is enclosed for your review and convenience. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### 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 June 29, 2017 Loan Payment History

[redacted] Date: March 30, 2018 Account: [redacted] Regarding Your Mortgage Loan 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 March 26, 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] [redacted] [redacted] Date: March 10, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com regarding your Fifth Third Bank checking account. 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 you may have been caused. However, we stand by our previous response letter sent to the above address on February 4, 2016. I have enclosed a copy of our previous written response for your review. Our position on this matter has not changed. Please be assured that Fifth Third Bank takes claims of discrimination very seriously and does not make decisions regarding fee waivers based on race, color, religion, national origin, sex, marital status, age, disability, familial status, or the receipt of public assistance. 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 February 4, 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.   
 I am  responding to the email that was sent from the Revdex.com website.  The company has not addressed this issue we sat there for almost an hour and a half speaking with the branch manager Joe who said he couldn't do anything his hands were tied and that the only thing that he could do was make a call to waive a couple $33 fees but that was all he could do for us.  We have had their accounts for a while now and we would assume that there would be some way that they would be able to help us but the way he made it was open up a new account before your account goes on ChexSystems that's only thing that I can tell you  he did say that you would deny any claims as if this came back I just don't understand how a branch like fifth third would not want to help somebody who's willing to pay the fees we paid over or close to $2000 in fees within a couple months and there was nothing that he could do for us.  When this originally started we ended up going in there and he was in a meeting doing an interview he said that he would call us by five he never called us. We waited a couple days thinking that maybe he would get back to us he never did after a week and two days past we decided to go with ourselves and resolve this issue but nothing got resolved due to Joe saying that he couldn't help us nor could he make any calls the only thing he could do was wave one or two fees due to the new changes in there system. Regards,
[redacted]

Please see below and attached. Thank you. [redacted] [redacted] [redacted] Date: April 26, 2018 Regarding Your Complaint Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com...

(Revdex.com) regarding your recent experience when contacting the Bank. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We sympathize with the difficulties you have experienced, and want you know that we truly appreciate your service to this country. On behalf of the Bank, please accept my sincere apologies for the level of service you received when you recently contacted the Bank to update your mailing address. Please be assured that Fifth Third Bank takes these matters very seriously, and we strive to provide an exceptional experience to our customers. 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 our customers’ satisfaction. After receiving your complaint, I attempted to contact you to further discuss your concerns, but I was unable to reach you. However, based on your complaint, I listened to the recordings of your calls to the Bank, and I forwarded your concerns to the relevant parties within the Bank. However, I cannot inform you of any specific internal actions that may have been taken. The Bank is required to have a permanent physical address for all customers. This policy is in place help protect the customer and the Bank from possible loss or fraud. It is certainly not intended to cause you any our customers any hardship. Although we are required to have a permanent physical address for all customers, a customer does not have to receive mail at the permanent address. A P.O. Box can be used as a mailing address. I am sorry if there was any misunderstanding when you called the Bank on April 7, 2018. If you would like to make any changes to your mailing address in the future, please contact customer service at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. Thank you for your patience while waiting for a response. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted]. Attn: [redacted] Date: March 28, 2016 Account: [redacted] Regarding Your Fifth Third Bank Business Standard Checking Account Dear [redacted]: We received a copy...

of the complaint you submitted to the Revdex.com regarding your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Fifth Third Bank processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order: 1. Credits and deposits made prior to the end of day cut-off time as detailed in our Funds Availability Policy. 2. Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are received. 3. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges in the order of the largest amount to the smallest amount. I have enclosed a copy of our current Rules and Regulations for your review. Page twelve (12) provides additional information regarding our overdraft calculation order. On January 8, 2016, the beginning balance in your Business Standard checking account ending in [redacted] was positive $2,271.16. Four (4) debits totaling $2,562.69 posted to your account. Based upon the transaction posting order explained above, these items were posted to your account in the following order: 1. Web Initiated payment of $700.00 (Paid) 2. Debit card purchase of $7.79 (Paid) 3. Debit card purchase of $4.90 (Paid) 4. Check number 20011 in the amount of $1,850.00 (Paid) Additionally, Page eighteen (18) of our current Rules and Regulations provides information regarding our Funds Availability Policy for business accounts. Up to $200 of the total of your check deposits for the day made in any manner (including branch, ATM, etc.) will be available to you on the first business day after the day we receive your deposit. The remaining funds will be available no later than the second business day after the day we receive your deposit. I have enclosed a copy of the overdraft notice sent to you on January 11, 2016. Your ending balance was negative ($291.53). Also on January 11, 2016, the ACH deposit in the amount of $627.00 was received. We regret any misunderstanding that may have occurred regarding the date of this deposit. In the interest of customer service the $37.00 late fee you received associated with this matter was reversed March 28, 2016. Please note that you have the option to establish an overdraft protection account that would be linked to your business checking account. Overdraft protection automatically transfers funds from a Fifth Third Bank savings account, checking account, credit card, or equity line to cover items that may overdraw your checking account. There is a $12.00 fee per transfer if funds are transferred from your overdraft protection account. Please note that the linked account for overdraft protection must have the same primary account holder and Tax Identification Number (TIN) or Social Security Number (SSN) as the business checking account being protected. For additional information about overdraft protection please see page thirteen (13), section fourteen (14), of the Rules and Regulations. In addition, page seven (7) of the Rules and Regulations discloses the fee per transfer. Thank you for your patience while we researched this matter for you. 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 contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S. Office of the President Pc: Revdex.com Enclosures (2): Rules and Regulations Overdraft Notice

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 previous letter clearly stated 5th3rd COULD NOT reverse any more charges, however they did. This letter states that they can not reverse anymore of the $802 "At this time". OK well how about tomorrow can you reverse it then? I believe I am being discriminated against because of my socioeconomic status.
Regards,
[redacted]

[redacted]Date: June 23, 2015 Account: [redacted]Regarding Your 5/3 Checking AccountDear [redacted]:We received a copy of the complaint you filed with the Revdex.com regarding your 5/3 Checking account. We appreciate the time you...

have taken to document your thoughts and concerns.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.If a checking account becomes overdrawn, we assess an overdraft fee for each item that posts or attempts to post while the account is overdrawn. For the first occurrence, you will be charged $25.00 per item. For any other occurrence, the cost is $37.00 per item. This information is detailed in the Rules and Regulations that are provided to all customers at account opening; please refer to page three (3) for information on overdraft/return item fees and page eleven (11), section thirteen (13), for detailed information about account overdrafts. I have enclosed a copy of this document for your records and review. Additionally, we send an overdraft notice that details how you overdrew your account to the address on file and it is also available on 53.com. We have thoroughly reviewed the account ending in [redacted], and found the following:On December 21, 2012, your account had a balance of $37.91.On December 24, 2012, the following five (5) transactions posted to your account:$4.92 at [redacted]$5.75 at [redacted]$6.50 at [redacted]$8.00 at [redacted]$16.35 at [redacted]These purchases totaled $41.52, leaving the account balance at ($3.61). Because the account was overdrawn by less than $5.00, there was no overdraft fee assessed to the account.On December 31, 2012, a web-initiated payment at [redacted] in the amount of $2.49 was paid from the account. The account was assessed a $37.00 overdraft fee because of this transaction, making the account balance ($43.10).On January 4, 2013, a web-initiated payment at [redacted] in the amount of $4.59 attempted to post to your account, but was returned due to the account being overdrawn. Because this item was returned, your account was assessed a $37.00 return item fee, making the account balance ($79.88).On January 11, 2013, a web-initiated payment at [redacted] in the amount of $4.59 attempted to post to your account, but was returned due to the account being overdrawn. Because this item was returned, your account was assessed a $37.00 return item fee, making the account balance ($116.88).On February 20, 2013, your account was assessed a $30.00 charged off account fee and the negative balance of your account was charged off in the amount of $146.88.On December 16, 2013, your account was sold for further collection proceedings to [redacted]. If you would like to discuss payment arrangements, please contact them at ###-###-####.For your reference, I have enclosed copies of the overdraft notices as well as statements that were mailed to the address above for your records and review. If after reviewing the account statements, you believe that these specific transactions posted fraudulently and would like to file a dispute for those items, please contact the collection agency you indicated as the current owner of the debt, [redacted], at ###-###-####. We were able to confirm with [redacted] that a dispute could be filed for unauthorized transactions, and a representative would be happy to further assist you. Please note that you will dispute the transaction(s) with [redacted], and the relevant overdraft fees would be returned to the responsible party in the event the disputed transaction is found in your favor. Please note, we made an attempt to buy this debt back from the collection agency, but were unable to because the debt was no longer with [redacted]. Additionally, when a checking account is charged off the Bank reports the account to [redacted]. In the interest of resolving this matter, the Bank has removed your negative [redacted] reporting. Please allow up to thirty (30) days for this information to be reflected on your [redacted] report. We apologize for any inconvenience you experienced when a manager was not available and your requests for phone calls were not returned.Thank you for your patience while we researched this matter. 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.[redacted]Office of the PresidentPc: Revdex.comEnclosures: Rules and Regulation, Statements, Overdraft Notices

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and I do not wish to pursue this complaint further.  I am still extremely unhappy with the way this situation was handled by the bank, however it is clear based on their responses that they are unwilling to resolve this dispute to my satisfaction.
Regards,
[redacted]