PROCORPSA

[redacted] Date: April 12, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your Revdex.com complaint, regarding the Stand Up to Cancer promotion for your checking...

account ending in [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. To maintain the security of your account, I am sending this letter to the address we currently have on record for you. I noticed that the return address you use in your Revdex.com complaint is different. According to our security protocols, I cannot update your mailing address based upon your Revdex.com complaint. I encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updated. The Customer Service Department can be reached at ###-###-####. Representatives are available Monday through Friday, from 7:00 a.m. to 8:00 p.m., and Saturday from 8:30 a.m. to 5:00 p.m., ET. I can be reached at the telephone number provided in this response. Your comments expressing less than quality service are very concerning and we regret the difficulties you experienced. Please be assured we have researched this matter fully, and passed on your concerns to the [redacted] Banking Center. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Per your conversation with the manager of the [redacted] Banking Center, a credit of $150.00 posted to your checking account on March 29, 2016. Although the Stand Up to Cancer promotion has ended, the Bank reached out to Stand Up to Cancer and confirmed that we could still make a donation for $150 as a result of you choosing to open an account with Fifth Third. I have enclosed a letter from the Co-Founder at Stand Up to Cancer which is personally addressed to you informing you about this donation. Fifth Third Bank is committed to being a responsible bank that does what is right for our customers, as well as to making products and services available to all segments in the communities it serves in a fair and transparent manner. We believe your issue was resolved accordingly, and I hope that this letter will meet your satisfaction. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J.Office of the President Pc: Revdex.com Enclosure: Stand Up to Cancer Donation Letter

[redacted] Date: October 31, 2016 Account: [redacted] Regarding Your Fifth Third Bank Equity FlexLine Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning...

the lien release associated with your Equity FlexLine. We appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. It was certainly not our intention to cause you any hardship. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Thank you for taking the time to speak with me on October 26, 2016. Per that conversation I sent a copy of the lien release document to you via [redacted]. The tracking information on that package confirmed you received the letter Thursday, October 27, 2016. Upon receiving your complaint, I contacted the relevant parties to determine the delay in processing your lien release. Unfortunately, because of the length of time your loan had been closed, we were unable to determine the root cause of the lien release delay. Please use this letter as confirmation that the lien release document was sent to [redacted] County on October 25, 2016. Our research determined two (2) attempts by the customer service department to process the requested lien release. On September 26, 2016, and October 11, 2016, you contacted the Customer Service Department and the agents submitted a release of lien request. The September 26, 2016, adjustment request was denied by our operations department as an incomplete request. The October 11, 2016, request was processed and completed within ten (10) business days. The release of lien document sent to you on October 27, 2016, was from the October 11, 2016 request. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. 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, Patrick S.Office of the President PC: Revdex.com

[redacted] Date: July 26, 2016 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: The Revdex.com forwarded your additional comments and request for an overdraft fee reversal to Fifth Third Bank. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. Two (2) payments scheduled through our online banking service posted to your joint checking account ending in [redacted] on July 1, 2016. You indicated within your complaint that this was not your intention and that you received an error message when trying to select the account to be debited. After a thorough review of the online banking activity in question, we stand by our prior response provided on July 14, 2016. The payments in question were scheduled using the joint account holder’s online banking profile. On June 22, 2016, at 5:42 a.m., Central Time (CT) a one-time payment was scheduled to pay $670.00 to ** [redacted] on July 1, 2016. The funds were sent on June 29, 2016, and posted by the payee on July 1, 2016. On June 22, 2016, at 5:47 a.m., CT, a one-time payment was scheduled to pay $150.00 to [redacted] on July 1, 2016. The funds were sent on June 30, 2016, and posted by the payee on July 1, 2016. A payment posts to your checking account after the merchant processes it. Any payment can be modified or canceled as long as you access the Service before the Bill Payment cut-off time on the Business Day the payment is going to be processed. A “Business Day” is defined as Monday through Friday excluding Federal Holidays or as otherwise posted in the Banking Centers. Some Bill Payments are made via check and some are made via electronic transaction (ACH). The Service will determine when to process the payment in order to pay your bill on time. It is important to note that this could be up to three (3) Business Days before the payment is due to be paid. A payment cannot be modified or canceled through the Service once it is marked as either “Paid” or “In Process.” I have enclosed a copy of the Digital Services User Agreement, which you agreed to when you enrolled in our Online Banking Service (“the Service”). It is possible to request that a stop payment order be placed on a payment marked as “In Process” by contacting Customer Service. However, the ability to successfully stop the payment depends on how the funds were remitted to the payee and the elapsed time since the payment was processed. In addition, you may be charged a non-refundable stop payment fee of $33.00 for each request. While a time and/or date stamp is not visible on the screen shot you provided, we did carefully review your online banking activity and did not find evidence of bank error in the processing of the scheduled payments. Because the account balance was not sufficient to cover the transactions that posted on July 1, 2016, the Bank charged your account six (6) overdraft fees of $37.00 on the next business day, which due to the holiday, was Tuesday, July 5, 2016. Because you are a valued customer, $74.00 of the $222.00 in total overdraft fees were reversed on July 5, 2016. However, because overdraft fees were also reversed on April 7, 2016, and May 12, 2016, we are unwilling to reverse any additional fees at this time. It is certainly not our intention to cause you any hardship and I apologize for your frustration regarding this matter. Please know that our executive management regularly reviews customer feedback as part of our commitment to improving our operations. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com Enclosure: Digital Services User Guide

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 received this $400 check the other day and have now cashed it. The fact that they didn't even have record of the $400 payment, yet sent me the refund check for it just now, shows their lack of customer service and how truly terrible this company is when it comes to their customers. It took two months to receive my full refund and I will be satisfied when I receive the additional $60 I have requested that they caused me in fees for paying other items late, due to their lack of repayment in a timely manner.  Again, they have sent the second check of $400 - to which this Revdex.com response from them states they don't have record of it. It is truly appalling that a business/bank would treat matters of other people's money in this manner. Again, severely disappointed in their lack of professionalism. 
Regards,
[redacted]

[redacted] Date:       June 3, 2015 Account: [redacted] Regarding Your Platinum Credit Card Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com, regarding your Platinum Credit Card. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the response conveyed to you in our previous letter sent to the above address on May 26, 2015. Our position on this matter has not changed. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please call me at 513­358-0015, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely,   [redacted] Consumer Resolution Specialist Office of the President Pc: Revdex.com

[redacted] Date: July 20, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: Thank you for contacting the Revdex.com concerning your installment loan with Fifth Third Bank and our response that was sent to you as it relates to your prior complaint. We appreciate the time you have taken to express your concerns regarding this matter. The loan you have with Fifth Third Bank was funded for $32.744.50. We have received two payments on this loan. On June 23, 2015, we received a check for $497.98 as well as a check for $32,028.99. Both checks posted to your loan account. As you brought to our attention, there was a check that was credited to your loan that should not have been. We corrected that error. The total payments from you have been for $32,526.97. This amount is less than the amount due to pay off your loan. There has been no additional payment on the loan as of the close of business on July 16, 2015. The payoff on your loan as of today, July 17, 2015 is $376.55 with a per diem of $.03. As stated in our last letter, once the loan is paid in full, Fifth Third Bank will release our lien on the title. According to your complaint, you state that you sent a check in to Fifth Third Bank in May 2015, but it did not clear your account. If that item has now cleared you account, and it is other than the items mentioned above, please send me a copy of the item and I will work to locate the missing payment. I was unable to locate the item that you previously faxed to Fifth Third Bank, but would like to assist you in posting the missing item to your loan with verification that the item has now cleared your checking account at your financial institution. The documentation that was sent to us form the dealership contained incorrect information as it relates to your last name. On the credit application that was signed by you, your name was listed as [redacted] not [redacted]. When we received the information, we input your name based what had been forwarded to our institution. I have since taken the necessary steps to correct the spelling of your last name. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Beth H. Office of the President

[redacted] Date: March 28, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the letter you sent to the Revdex.com concerning your...

Essential Checking account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please also accept my sincere apologies for the difficulties you experienced when you previously contacted the Bank regarding this matter. 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. On March 21, 2017, the beginning balance in your checking account was $32.88. On March 21, 2017, two (2) items posted to your account totaling $127.57. Due to insufficient funds in the account to pay one (1) of the items that posted to the account, one (1) overdraft fee totaling $37.00 was assessed and posted to the account the following day. The ending balance in your checking account on March 21, 2017 was negative ($94.69). A copy of the Overdraft Notice dated March 22, 2017, is enclosed for your review and convenience. On March 22, 2017, the beginning balance in your checking account was negative ($94.69). On March 22, 2017, three (3) items posted to your account totaling $446.99. Due to insufficient funds in the account to pay one (1) of the items that posted to the account, one (1) overdraft fee totaling $37.00 was assessed and posted to the account the following day. The ending balance in your checking account on March 22, 2017, was negative ($461.68). A copy of the Overdraft notice dated March 23, 2017, is enclosed for your review and convenience. It is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. However, pursuant to your previous fee waiver requests, we have reversed $74.00 in overdraft fees over the past twelve (12) months, as a courtesy to you. In most circumstances, additional courtesy overdraft fee reversals would not be warranted; however, since we empathize with your situation, we have reversed an additional $74.00 in overdraft fees on March 27, 2017. Except in the case of a Bank error, any additional overdraft fee reversal requests over the next twelve (12) months will be declined. I want to be sure that you are aware that the Bank offers several options for Overdraft Protection. Overdraft Protection for a checking account allows funds from another account to be transferred into the checking if the checking account becomes overdrawn. If you are enrolled in Overdraft Protection, funds are automatically moved from another Fifth Third account that you own. Although there is an overdraft transfer fee of $12.00 per transfer, this is less than the fees that are assessed when your checking account becomes overdrawn without Overdraft Protection. For more information about Overdraft Protection, please visit your local Fifth Third Banking Center or contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday 8:30 a.m. to 5 p.m., ET. You will also find additional information on our website at 53.com. I also want to be sure that you are aware that Fifth Third offers alert services that provide you with information about your Fifth Third Bank Accounts, which can assist you with preventing future overdraft occurrences. You may sign up for a variety of alerts, including a text or email alert to notify you when your balance falls below a threshold that is comfortable for you. This real-time alert will notify you any time your debit card and Automated Teller Machine (ATM) transactions result in a balance lower than your designated alert threshold. Because checks and electronic payments are processed overnight, we cannot currently offer a real-time alert when your account becomes overdrawn. However, you can set up alerts to let you know when the balance reaches a specific amount you determine to allow you time to deposit additional funds before the account becomes overdrawn. For example, you could set up an alert to notify you when the balance reaches $20.00. You could then review the account activity to determine if all of your authorized transactions have posted, and if not, determine how much additional funds you will need to deposit to cover any outstanding items. You can also schedule an alert that notifies you when an overdraft notice is available to be viewed on our website. While this alert will not prevent an overdraft, it will allow you to correct the negative balance sooner, which can help prevent any additional overdraft charges from being assessed. For a list of the account alerts offered by the Bank, please visit the alerts section within online banking or our mobile app. For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage options is also provided on the enclosed document. [redacted], 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 I want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President Enclosures (3): Overdraft Notices; Overdraft Solutions for Consumers Document

[redacted] [redacted] [redacted] Date: December 8, 2015 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your...

Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns, and we sympathize with the difficulties you have experienced. On November 25, 2015, we received a deposit in the amount of $1,229.47, per our funds availability policy, $100.00 of this check deposit was immediately made available to you. The remaining $1,129.47 would not be made available to you until the following business day, which in this instance was November 27, 2015, due to the holiday. For additional details on the funds availability policy, please refer to page eighteen (18) of the enclosed Rules and Regulations. In addition, daily overdraft calculations are further explained on page eleven (11) of the Rules and Regulations, which explains the daily overdraft calculations and how debits and credits are assessed to your account. As detailed in this section, debits from the account are processed in the following order: ATM withdrawals, debit card purchases, online/telephone/mobile transfers, transfers such as online/automatic bill payments (ACH) and wire transfers, checks written from your account, and fees and service charges. We completed a review of the Essential Checking account ending in [redacted]. On November 27, 2015, we sent the enclosed overdraft notice to the address listed above, detailing the overdraft that occurred on November 25, 2015. The available balance at the beginning of the day was $283.10, and $100.00 was made available from the previously mentioned deposit, totaling $383.10. The debit card purchase, merchant payment, and ATM withdrawal that posted to the account on November 25, 2015, totaled $335.30; these three (3) transactions were not assessed an overdraft fee, as the funds were available. However, the three (3) checks were posted to the account, totaling $146.45, there were no available funds, and the account was overdrawn. Each of the three (3) checks were assessed an overdraft fee in the amount of $37.00, totaling $111.00. Our review of the account determined there was no error in assessing these fees. However, in the interest of customer service, on November 29, 2015, $37.00 of the overdraft fees were reversed and credited back to the account. Because there was no error is assessing the fees, we are unable to accommodate your request for additional fees to be waived. I am sorry for any frustration this may cause you and for any difficulties you may have experienced when contacting 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 Enclosure: 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. I was contacted and told that the hold was because my account was new and that when I deposited my next check this would not be an issue. Believing that they were being honest I did go ahead a deposit my next check from the same job same issuing bank and guess what once again I'm being told my check is on hold for yet another 2 weeks this account has put me in a bad position with obligations I have to pay I've got late fees and my car insurance almost cancelled because I'm unable to get to my funds to pay my bills . If they were honest that would have been nice but the representative lied and nothing got resolved.
Regards,[redacted]

[redacted] Date: September 25, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your...

Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. On September 13, 2017, your 53.com online funds transfer of $260.00 from your Fifth Third Bank checking account to your non-Fifth Third Bank account posted to your account. Because the Bank assesses a $3.00 fee when funds are transferred on our website at 53.com from your Fifth Third account to a non-Fifth Third account, the total amount of the transaction was $263.00. Since you previously received inaccurate information from the Bank regarding the fee for this service, we have decided to issue you a refund of the $3.00 fee. On September 25, 2017, $3.00 was credited to your checking account for a refund of the fee that was assessed. [redacted], thank you for your patience while waiting for a response. We truly value your business, and we look forward to continuing our banking relationship with you. If I could be of further assistance to you, please 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

[redacted] Date: July 17, 2015 Account:       [redacted] Regarding Your Credit Card Dear [redacted]: Thank you for contacting the Revdex.com concerning your credit card. We appreciate the time you have taken to express your concerns regarding this matter. We initially received a copy of this complaint on July 1, 2015. We received a similar complaint from you on July 9, 2015. Additionally, we received another complaint on July 16, 2015. However, we stand by the response conveyed to you in the previous letters sent on July 8, 2015 and July 14, 2015. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. As we stated in our two prior responses, we have provided to you a copy of the offer that was sent to you, what was needed to qualify for bonus points that were included within the specific offer that you received. Each offer has a unique ID number that you supplied within your application. This allows us to identify what offer you qualified for, and what requirements were needed to earn the bonus reward points. I am sorry if prior information provided to you was incorrect, but your purchase did not qualify you to receive the 50,000 points. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Beth H. Office of the President Enclosure (2): Previous Response Letter

[redacted] Date: June 25, 2015 Account:       [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of your complaint filed with the Revdex.com regarding your...

vehicle installment loan. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Because you previously filed bankruptcy, we are providing this information to you in response to the complaint we received. This letter is not an attempt to collect a debt. Your vehicle installment loan was included in your Chapter 7 Bankruptcy that was discharged, and you did not reaffirm the loan. Enclosed is a copy of your bankruptcy petition that lists Fifth Third Bank. Fifth Third Bank will sometimes allow customers to maintain possession of the vehicle used as collateral for the loan, even if the loan was discharged in bankruptcy, as long as the customer continues to make the monthly payments as agreed upon in the installment contract. However, bankruptcy law prevents the Bank from contacting you to collect money for the debt. We are also not permitted to tell you any payment amounts that you may owe other than the amount necessary to pay the loan in full. Our records indicate that you spoke to our Collection Department on February 3, 2015, and were advised that because of your bankruptcy, you were not obligated to continue paying the loan. However, we explained that you could continue to voluntarily make the regular monthly payments if you wanted but, if the payments were ever discontinued, we would have to look at other options such as repossession. If a vehicle loan is discharged in bankruptcy and the customer wants to maintain possession of the vehicle, we must continue to receive the monthly payment. While we cannot tell a customer with a discharged loan how much they need pay each month or how much they may be past due, payments we receive that are less than the monthly payment amount do not fulfill the monthly payment amount owed even if the payments being made are voluntary. We have no record that you were advised you could make payment in any amount you wanted and maintain possession of the vehicle. Your vehicle was repossessed per Bank guidelines on May 15, 2015. Due to the bankruptcy, we are unable to provide you with details regarding any possible past due balance that was or is owed on the account. Bank representatives are able to provide you with the full payoff amount only. For this reason, our Collection Department was not able to tell you any specifics regarding the repossession. I apologize for the distress and inconvenience this has caused you. Additionally, because of the bankruptcy, you are able to redeem the vehicle only if you submit a payment for the full balance owed on the account. If you would like additional details surrounding the vehicle’s repossession, your attorney can contact the Bank on your behalf. I can be reached using the phone number listed below, or via mail using the following address: Fifth Third Bank[redacted]Alternatively, I can be reached via fax at ###-###-####.As of June 18, 2015, the payoff amount you would need to pay in order to redeem the vehicle is $4,726.85. After June 18, 2015, please add $0.62 of interest per day through the date of receipt of the payoff funds by Fifth Third Bank. The vehicle is scheduled to be sold on July 8, 2015. We must receive the full payoff amount by July 7, 2015, to stop the sale. If the vehicle is sold and the proceeds from the sale exceed the outstanding loan balance, we will mail the extra funds to you via check.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 PresidentPc: Revdex.comEnclosure: Payoff, Bankruptcy Petition

[redacted] Date: June 22, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received copies of the complaints you submitted to the Revdex.com and [redacted]...

[redacted] regarding your mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We strive to provide exceptional service to our customers, and I am sorry that was not your experience. 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 that was conveyed to you in our previous letter dated May 25, 2017. I have enclosed a copy of that letter for your convenience. Our position on this matter has not changed. Since our previous response letter, you provided proof of flood insurance effective June 7, 2017. The lender-placed flood insurance policy covered October 3, 2016, to October 3, 2017. That means there was a lapse in coverage from October 3, 2016, to June 6, 2017. The premium charged by the insurer for the lender-placed insurance was $570.51. Therefore, a refund in the amount of $184.44 for the unused portion of the premium for the period June 7, 2017, to October 3, 2017, was issued by the insurer following termination of the lender-placed policy. This refund was credited to your escrow account on June 13, 2017. The requirement for an escrow account for the purpose of funding the disbursement of premiums for lender-placed insurance is no longer necessary because you obtained a flood insurance policy. After the refund of $184.44 was credited to your escrow account the remaining balance of $17.93 was disbursed to you on June 14, 2017. Your mortgage loan payment effective July 1, 2017, is $839.98. Thank you for your patience while we conducted our research. We value your business and 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 ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com, Consumer Financial Protection Bureau Enclosures: Previous Response Letter

[redacted] Date: January 5, 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. As was previously explained to you in my letter dated December 21, 2017, an escrow surplus of $50.00 or more is only sent if the loan is current when the escrow analysis explaining that there is an escrow surplus is done. For clarification, there was an escrow surplus with the analysis that was completed on May 31, 2017. As you are aware, the mortgage loan was delinquent at the time this surplus was discovered. As was also explained previously, if there is still a surplus in the escrow account when the next annual analysis is done, and the loan payments are current at that time, the Bank will send a check to you for any escrow surplus of $50.00 or more. Please note that an escrow analysis must be completed to determine if a surplus or shortage exists in the account. Your mortgage loan is scheduled for the annual analysis to be completed in December of each year. According to the enclosed copy of the Annual Escrow Account Disclosure Statement dated December 26, 2017, there was an escrow surplus of $1,172.75. Therefore, a Fifth Third Bank Official Check for $1,172.75 was sent on December 27, 2017. If you do not receive the check within two (2) weeks from December 27, 2017, please contact me directly at the telephone number provided in this letter so I can ensure that a new check is sent. Please accept my sincere apologies for any inconvenience or frustration 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, Adam P.Office of the President PC: Revdex.com Enclosure: Annual Escrow Account Disclosure Statement Dated December 26, 2017

[redacted] Date: December 5, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your installment loan account. We appreciate the opportunity to further address your concerns. On behalf of the Bank, I apologize for the frustration this situation has caused you. However, we stand by our previous correspondence dated November 21, 2016, regarding the insurance payments to your loan. Our position on this matter has not changed. For your reference, I have enclosed a copy of our previous correspondence. Your loan contract states that insurance payments for the account will be used to reduce the balance owed, not that they will be used to cover the monthly payments required per the contract. Fifth Third Bank complies with the Fair Credit Reporting Act (FCRA), which requires that we report accurate account information. Payments received more than thirty (30) days after the due date are reported as late regardless of the delinquent amount. You mentioned a phone call you had with a supervisor in our Collection Department. I am very sorry for the negative experience you had during the phone call. The information you provided has been forwarded to the relevant Bank personnel for review. However, I cannot inform you of specific internal corrective actions that may be taken to resolve this matter. We strive to provide best in class service, and I am sorry that was not your experience. 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 Enclosure: Previous Correspondence

[redacted] Date: January 22, 2018 Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted]: We received a copy of your complaint filed with the [redacted] ([redacted]) and the Better...

Business Bureau (Revdex.com) regarding your mortgage loan 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. Various requirements must be met to remove PMI and escrow, in addition to having the required Loan to Value ratio (LTV). The requirements vary based on the loan investor that owns the loan. Enclosed is a copy of the signed PMI disclosure for your loan. Per the disclosure, PMI will automatically terminate on the date the loan is scheduled to reach a 78% LTV. PMI does not automatically terminate if the LTV reaches 78% prior to the scheduled date. Per the disclosure, you can request to remove PMI when the LTV is scheduled to reach 80% of the LTV on November 1, 2018, or when the account actually reaches an 80% LTV. Per the disclosure, the request must be submitted in writing. Per our conversation on January 12, 2018, your requests to cancel the Private Mortgage Insurance (PMI) and the escrow account were approved. However, we issued a check to you for the escrow balance before we made the final PMI payment. We have stopped payment on the $7,482.40 check that we sent to you on January 10, 2018. Please do not cash this check when it is received because it will be returned as unpaid. We made the final $9.84 PMI payment on January 12, 2018, and sent the remaining escrow balance of $7,472.56 to you in the form of a check on January 12, 2018. If you do not receive the check by January 26, 2018, please contact me directly using my phone number listed below. I reviewed your conversation with the Customer Service Department on January 3, 2018, when you called to cancel PMI. The representative advised correctly that the request needed to be submitted in writing. The representative also advised that PMI must typically be paid for at least five (5) years before it can be removed. The information provided was correct as some mortgage loan investors require that PMI be paid for a minimum of five (5) years before it can be removed, even if the LTV falls below 78%. However, this was not a requirement for your loan. I confirmed that we did not receive a written request to remove PMI via fax or mail. The first (1st) written request received was the complaint that you submitted to the [redacted]. Your new monthly mortgage payment is $1,839.12, and the next payment is due by March 1, 2018. You are responsible for the timely payment of taxes and insurance because the loan no longer has an escrow account. If we receive notification that the taxes or insurance for the property are delinquent, the Bank may reopen the escrow account to pay the delinquent escrow obligations. We may also force place an insurance policy to protect the investor’s interest in the property if there is a lapse or cancellation of coverage. If we reopen the escrow account, you will receive an escrow analysis and an escrow payment will be added to the monthly mortgage payment required. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: [redacted] Enclosures: PMI Disclosure

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 is still refusing to accept responsibility for this.  I would not recommend that anyone ever gets a loan with 5/3.  Not only were we lied to, given false information over and over again but the banks unwillingness to accept responsibility for their incompetency or provide one ounce of care for the terrible situation they have put us in is unacceptable.  We have never missed a payment ever.  We trusted this bank and they misled us and mistreated us.  Their response is another trauma on top of several.  
Regards,
[redacted]

[redacted] Date: October 18, 2016 Regarding Your Recent Mortgage Application Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com and your email to the Bank regarding your...

recent mortgage loan application. We appreciate the time you have taken to express your concerns regarding this matter. Your comments expressing less than quality service from our employees is extremely concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience this application process may have caused you. Please be assured that senior management in your region has been informed of your dissatisfaction with the service your received. We strive to provide professional and accurate information to all of our customers, and we regret if all the service you received did not meet the same high standard. You also requested the email addresses for Edward R., Head of Mortgage and Greg C., President and Chief Executive Officer of Fifth Third Bank. Please be aware our office is charged with the responsibility to research and respond to complaints directed toward Fifth Third Executives. Our senior and executive management teams review our customer concerns as part of our ongoing commitment to improving our customers’ satisfaction. While it is our desire to extend credit to every individual that applies, it is not always possible for us to do so. When applying for a mortgage loan several factors are reviewed before final approval may be given for the mortgage loan, including any information we receive from the credit reporting agencies, the documentation that you have provided and an appraisal of the property. Should the information we receive not meet our current guidelines for lending, your application may be declined. I have attempted to contact you by telephone, but have not been able to connect with you. As I mentioned in my telephone message on October 12, 2016, the Bank denied your mortgage loan application on September 7, 2016. Please find enclosed a copy of the credit denial letter that was mailed to you the same day. Page one (1) of the denial letter explained your mortgage application was turned down for the following reason, incorrect information provided at time of application. Our research confirmed that the incorrect information was found on your 2014 and 2015 tax returns. On the mortgage application, you and your wife stated the [redacted] property was your primary residence. However, your tax returns filed in 2014 and 2015, you and your wife filed as single with different addresses as your primary residence. This information was confirmed by our Bank Protection Department. I have enclosed a copy of your 2014 and 2015 tax return for your convenience and review. registered service marks of Fifth Third Bancorp The Second Review Team has also reviewed your application, and confirmed the reason for denial is correct. Please find enclosed a copy of the Fifth Third Bank Mortgage Loan Pricing Agreement and Prepayment of Settlement Costs Policy that you signed and returned to the Bank on August 18, 2016. Specifically, on page two (2) the section titled Prepayment of Settlement Costs Policy, which states: An application fee will be charged in connection with your loan application. When applying for a residential mortgage loan a loan application fee is due. This application 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 application fee and long term rate lock fee. Rate and Point Float Lock $350.00 Application fee is due upon your receipt of the Initial Loan Estimate and your expressed intent to proceed with the application when applying for a mortgage loan. Only one application fee will be charged for any one mortgage loan application. Along with the Mortgage Loan Pricing Agreement, please find enclosed a copy of the Loan Estimate, your signed Notice of Intent to Proceed, as well as the commitment letter mailed to you on August 3, 2016. Upon review of your complaint, Fifth Third has determined that the fact that the application fee was not refundable was disclosed and this fee will not be refunded as explained in 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, Patrick S. Office of the President PC: Revdex.com Enclosure: Pricing Agreement, Denial of Credit Letter, 2014 and 2015 tax returns, Loan Estimate, Notice of Intent to Proceed, Commitment Letter

[redacted] Date: August 16, 2016 Account: [redacted] Regarding Your Transaction Dispute Dear [redacted]: We received a copy of the rebuttal you submitted to the Revdex.com regarding your transaction dispute. 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 prior correspondence dated August 4, 2016. Our position on this matter has not changed. We enclosed a copy of the documentation we received from the merchants with our prior correspondence. The disclosures for the terms of the trial periods state the following: You will have 14 days from your original order date to see if [[redacted]] is right for you. If you are unhappy with the product at any time during those 14 days, you must call us at [redacted] and cancel your order to avoid being billed for the full cost of the product. If you are satisfied and do nothing we will bill you [$89.97/$89.95] for your initial order and every thirty days[.] I have enclosed additional copies of the merchant documentation for your convenience. You placed your orders for the free trial periods on February 4, 2016. Per the disclosures you agreed to on the merchants’ websites, you had fourteen (14) days from that date to cancel your orders. Since you did not cancel within the trial periods, you were assessed for the full cost of the products on February 19, 2016. Based on the documentation we received from the merchants, as well as the documentation you provided, you did not cancel your orders until February 22, 2016. It was certainly not our intention to cause you any hardship. However, we are unable to reconsider your dispute, or return the provisional credits, since all documentation provided indicates that you did not cancel your orders within the trial periods as required under the terms and conditions. If you would like to pursue this matter further, you will need to contact the merchants directly. I understand in your complaint you stated that the merchants’ websites were no longer active; however, we verified on August 10, 2016, that both websites, and the phone numbers for the merchants, are still active. Thank you for your patience while we conducted our additional research. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Merchant Documentation

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   I have attached a proof of how 5/3 Bank charges. If yuo see the charge comes next day after 12am  - the charge should not be there on same day to nicur nsf fee. My pictures clearly indicate that5/3Bank does not follow their own regulations....
Regards,
[redacted]