PROCORPSA

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  In the response, Fifth Third Bank states that they wait (10) ten days after a loan is closed before issuing refunds. In following their ten day protocol, a refund of $575.00 should have been issued to me on December 8th when the check for $13.23 was mailed to me. That was ten BUSINESS days after I had paid off the loan. In talking with a supervisor, it was admitted to me that Fifth Third had made a mistake and their was no reason why the check for $575.00 was not written. The woman supervisor told me that was a mistake on Fifth Third Bank's behalf. Therefore, I had to wait yet another additional ten days to receive my refund. If I would have been late on a loan payment I would have been immediately been charged a late fee with no questions asked, yet Fifth Third makes a clear mistake, violates their own policy, and I am supposed to be okay with that. I deserve compensation for the days I did not have my money. Fifth Third did not follow what they have outlined in the response.
Regards,
[redacted]

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
Several customer service agents advised me the hold would be lifted on 3/6. So did the social media representative and As well as the Revdex.com person from corporate. Now they're telling me 3/7. Conflicting information that I don't agree with. My rent and car payment are now going to be 7 days late. I am requesting $300 in compensation for late fees and emotion distress. If this is not met, I will file a law suit for millions of dollars due to emotional distress caused by this company. I left for vacation today and Have NO MONEY due to this company. I will make sure everyone I know never uses this company and if they do, I will make sure they close their account. I've worked for my employer for over 3 years. If you switch bank accounts, your first check is paper check and following checks are directly deposited. I am so stresssd out about this situation I couldn't even go to work on Monday, 2/27. 5/3 could have advised me of this when I deposited my check, but didn't. Just because I didn't deposit it at a financial institution doesn't mean you couldn't have it available as a notice on the app. Also, when I first deposited my money, $100 was avaolable. And then they took it back. FRAUD. Scam. Fraud. 
Regards,
[redacted]

[redacted] Date: April 27, 2018 Regarding Your Experience Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your experience. 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 this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We have completed a review of your concerns regarding your attempt to open a new account. When a customer requests to open a new account with us, our Personal Bankers ask a series of questions to determine which of our accounts best suit the customer’s needs. I can assure you that these questions are not meant to cause any frustration but rather to ensure that we offer products and services that will benefit our customers. If you would still like to open an account with Fifth Third Bank, we would be happy to assist you with doing so. You may visit a local branch or if you prefer, you may open the account via telephone. If you would like to open the account via telephone, please call our New Accounts Department at ###-###-####, Option 2, Monday through Friday, 8 a.m. to 8 p.m., and Saturday 8 a.m. to 5 p.m., ET. We would also be happy to honor the promotional offer you received so long as the terms of the offer are fulfilled and it has not expired. 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, Jennifer M.Office of the President Pc: Revdex.com

February 25, 2016 DearApril Q.: We have received a copy of your letter dated February 11, 2016 in addition to a copy of our mortgage agreement. We appreciate the time you have taken to respond to some of our requests. We reference you to Exhibit A, a letter from you dated January 22, 2016 that states we would have a response mailed to us within fifteen (15) to twenty-five (25) days. Please note that your response was received to our PO Box on February 21, 2016 which is in excess of the time frame noted in your letter. Thank you for your review of the United States Postal Service Receipts that we supplied to you. We have to pay additional monies in order to insure us the security that our payments are being received when they are delivered. You state in your letter that the receipts provided list expected delivery dates, which are not guaranteed. Finding it odd for the Federal Government to offer a two-day (2) mailing service and charge the consumer for something that is not guaranteed we took it upon ourselves to further investigate. We bring your attention to Exhibit B. We spoke with the post master of the [redacted] post office, which is a branch of the United States Postal Service. We were provided and advised that all bar codes that are on the receipts, in which we supplied to you are scanned and signed for, just like shown in the exhibit. Fifth Third has the abilities to go on line under the USPS tracking and pull up all tracking to show when you received our payments vs. how long it took Fifth Third to cash check. Thank you for reviewing our payment history and believing that there was no bank error, but we are forced by evidence to disagree. It is not our error for the poor management by the bank in how long it takes for your employees to process our payment. It is odd that in review of your letter dated February 11, 2016 all the alleged "30 day" late payments are literally alleged at (1) one day late. This brings us back to our first paragraph in this letter. Which then brings us to our monthly increase of ($400) four hundred dollars a month due to "low escrow", and the added stress due to poor management of our account. Which leads to ask the question on how Fifth Third determines a payment is "late". is it determined by receipt of the check by Fifth Third bank? or is it determined by when the check is cashed? Either way I would like documentation to that effect so going forward there is no confusion. On January 26, 2016 your Escrow Department updated our escrow portion of the monthly payment to reflect the insurance premium. Because of this, effective February 1, 2016 we received a new mortgage payment of $3124.01. This request for an Escrow review, was made via telephone to Fifth Third Bank back in July 2015. At that time we advised the Fifth Third representative of our new Home Owners carrier, [redacted], along with the reduction of premium. Our request went unacknowledged. Fifth Third Bank, alleges that upon review of our escrow account, you then issued a Home Owners payment to Tri-State Consumer on August 3, 2015 in the amount of $2097.00. and was returned by Tri-State Consumer to Fifth Third on August 27,2015, due to the Fifth Third Bank error. Fifth Third Bank then on September 18, 2015 decided to review our request for the escrow account to be reanalyzed and determined a reanalysis was not require. This does prove that Fifth Third received our request in July 2015 but took (2) two months for Fifth Third Bank to complete. Please refer to Exhibit C (2) two letters dated January 26,2016 from Fifth Third Bank. These letters state "we have corrected the amount of your monthly payment". Fifth Third Bank admits to bank error once again. We spoke on February 22, 2016 and we advised you that on our Mortgage Loan Statement dated 2/11/2016 for our March 2016 statement there was a charge for a past due payment of $6.13. Please refer to Exhibit D. As such our January 11, 2016 statement did not note this "past due payment"? Also our conversation with you in January 2016 you advised that our account was current. Also our February 8, 2016 payment was cashed on February 12, 2016 which is prior to the (15) Fifteenth of the month. So why would this "past due payment" be reflected in March but not February? Another Fifth Third Bank error? Fifth Third Bank has also supplied us on our Mortgage Loan Statement dated 2/11/16, please refer to Exhibit E that there were "Unapplied funds" posted to our account on January 25,2016. Further explanation of these "Unapplied funds" and what these funds are, are being requested. On behalf of my husband [redacted] and I we are unable to accept apologies from Fifth Third Bank due to their poor handling of our mortgage account. We have owned (3) three homes and (2) two currently and have never incurred these issues over the past (18) eighteen years. Should Fifth Third wish to do the right thing and provide quality customer service to us as the consumer we are willing to work with you. Based on the errors noted above we are again requesting Fifth Third to remove these alleged (1) one day past (30) thirty day late off our credit report. Please refer to Exhibit F. As you can see by our credit report we have been perfect for years, only issue being Fifth Third Bank. We are aware of the over (10,300) ten thousand three hundred complaints to the Revdex.com and multiple Class Action law suits against Fifth Third Bank, so we are not the only ones with issues. We formally request that your revisit your prior letter and provide us with the customer service that we deserve. Thank you for your time and attention to this matter. Sincerely, [redacted] and [redacted] Pc: Revdex.com

[redacted] Date: July 31, 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. On July 17, 2017, the beginning balance in your checking account was $2.33. On July 17, 2017, one (1) item posted to your account totaling $33.20. Due to insufficient funds in the account, the account was assessed one (1) overdraft fee totaling $37.00, which posted to the account the following day. The ending balance in the account on July 17, 2017, was negative ($30.87). A copy of the Overdraft Notice we sent on July 18, 2017, is enclosed. On July 24, 2017, the beginning balance in your checking account was negative ($67.87). On July 24, 2017, one (1) item posted to your account totaling $8.57. Due to insufficient funds in the account, the account was assessed one (1) overdraft fee totaling $37.00, which posted to the account the following day. The ending balance in the account on July 24, 2017, was negative ($76.44). A copy of the Overdraft Notice we sent on July 25, 2017, is enclosed. During our telephone conversation on July 27, 2017, I explained that we reversed overdraft fees on the account totaling $74.00 on July 27, 2017. Since you made several attempts on our website to cancel your scheduled online bill payment of $45.00, which posted to your account on July 14, 2017, we decided to refund the $37.00 overdraft fee that posted to the account on July 18, 2017. On July 23, 2017, you attempted to make an Automated Teller Machine (ATM) deposit into your account to prevent the account from becoming further overdrawn. Since there was an issue with the ATM that you used, which prevented you from being able to deposit into your account, we decided to refund the $37.00 overdraft fee that posted to your account on July 25, 2017. Also during our telephone conversation on July 27, 2017, I explained to you that the balance in your account after the overdraft fees were reversed was negative ($39.44). You explained to me that you would deposit into your account as soon as possible to bring the account to a positive balance. I want to be sure that you are aware that, except in the case of a bank error, any additional requests to reverse overdraft fees on the account over the next twelve (12) months will be declined. This is because it is the Bank’s policy not to reverse overdraft fees on a checking account except in the case of Bank error. 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 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. For a list of the account alerts offered by the Bank, please visit the alerts section within online banking or our mobile app. You can also learn more about account alerts offered by the Bank by visiting a Fifth Third Banking Center or by contacting our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday, 8:30a.m, to 5 p.m., ET. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosures (2): Overdraft Notices

[redacted] Date:             August 17, 2015 Account:               [redacted] Regarding Your Savings Account Dear [redacted]...

[redacted]: We received a copy of the complaint filed with the Revdex.com regarding the monthly service charges assessed to your savings account. We appreciate the time you have taken to document your concerns regarding this matter. Your comments expressing less than quality customer service are very concerning. We strive to provide accurate and professional service to our customers and I regret if this is not the level of service you received. Please be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received and passed along your concerns. Our savings accounts have a $5.00 monthly service charge that is automatically waived if one of the following is met: You have a Fifth Third checking account, with the same ownership.You maintain an average monthly balance of $500.00 or more.You are a minor or someone under the age of eighteen (18) is an owner of the account.You are enrolled in Fifth Third Military Banking. I apologize if you were not previously aware of these requirements. I have enclosed an additional brochure of our savings accounts for your review. This brochure was provided to you at the time you opened your savings account. A statement of your activity is sent out each quarter on savings accounts. I have enclosed copies of each statement that was sent to the address on file. I regret any frustration this matter may have caused you. Our records indicate that a total of four (4) monthly service charges were waived on your account by Felecia G., Financial Center Manager at the [redacted] Banking Center. After the fee waivers, the balance in your account was $11.01. On August 7, 2015, you withdrew this amount and closed out the savings account. At this time, your savings account remains closed.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 directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, Lisa S. Office of the PresidentPc: Revdex.comEnclosures: Savings Account Statements, Savings Account Brochure

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

[redacted] Date: August 28, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your checking...

account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the frustration and inconvenience you experienced regarding this matter. Thank you for taking the time to speak with me about your concerns on August 14, 2017. As we discussed, the Bank's new website design does not offer category types for Online Bill Payments and the historical information is not accessible. Enclosed for your reference and review is a copy of the Digital Services User Agreement which states that we may modify or cancel any such services or method of accessing them at any time without notice. I am sorry for the dissatisfaction that the changes to our Online Bill Payment system have caused you. We were able to obtain a report of your Online Bill Payments made since 2014, including the category and memo notes entered. Unfortunately, we are unable to send you an electronic copy of this report. For this reason, enclosed is a printed report that is organized by payment date starting with the most recent payment. We recognize that the recent changes to our website have impacted how customers use the services available on 53.com. Please be assured that the Bank is continuing to review customer feedback as we look to enhance the services and features of website, and we have made some changes based on this feedback. While I cannot guarantee that the ability to categorize bill payments will be made available again, the Bank is very focused on listening to customer feedback to make additional website changes to improve our customers’ 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 Pc: Revdex.com Enclosure: Digital Services User Agreement, Online Bill Payment History Spreadsheet

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  Business did contact me and I did recieve my payoff letter, good job.Can you please close the complaint,Complaint ID...

#[redacted],   
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: September 9, 2015 Account: [redacted] Regarding Your Platinum Credit Card Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Platinum...

Credit Card. We appreciate the time you have taken to document your thoughts and concerns. 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. To maintain the security of your account, I am sending this letter to the mailing address we currently have on record for you. I noticed that the address you use in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your complaint. I encourage you to call customer service to make sure your address is properly updated. They can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, and Saturday 8:30 a.m. to 5 p.m., ET. We completed a review of the Platinum Credit Card account ending in 4064, which was opened on June 24, 2014. You made purchases on the account on July 11, 2014, and July 14, 2014. Please be advised, the 0% introductory APR for the Platinum Credit Card was available for the first twelve (12) billing cycles after the account is opened. The account was assessed interest charges on July 3, 2015, in the amount of $56.50, and on August 4, 2015, in the amount of $55.10. We completed a review of your telephone calls with the Bank, and we regret the misinformation you received regarding the promotional period. Because of this, on August 5, 2015, we reversed the interest that was assessed on July 3, 2015, in the amount of $56.50, and this amount was credited back to the account. In addition, on September 4, 2015, we reversed the interest that was assessed on August 4, 2015, in the amount of $55.10, and this amount was also credited back to the account. I am sorry for any concern it may have caused you when you did not receive a phone call regarding the interest being credited back to the account. We also reviewed our records to determine the closing time for the [redacted] Square Banking Center on September 1, 2015. Our review indicated that the banking center locked their doors at 5:00 p.m., as scheduled. Therefore, we are unable to accommodate your request to waive the interest assessed for the month of September. I am sorry for any frustration this may cause you. Please note if you wish to mail the payment, you may do so at any time to the address listed on the monthly statement: Fifth Third Bank PO Box 740789 Cincinnati OH 45274 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

[redacted] [redacted] ** [redacted] Date: February 7, 2017 Savings Account: [redacted] Secured Credit Card Account: [redacted] Secured Credit Card Account: [redacted] Regarding Your Identity Theft Claim Dear [redacted]: We...

received the complaint you filed with the Revdex.com regarding your credit bureau reporting and your concerns about identity theft. We appreciate the time you have taken to express your concerns regarding this matter. Fifth Third Bank takes protecting financial and personal information very seriously. I also appreciated the opportunity to speak with you. On April 23, 2012, the Secured [redacted] Credit Card ending in [redacted] was opened. It was secured by funds on deposit in the savings account ending in [redacted] opened the same day. The credit card was reported lost, or exposed, November 16, 2012. It was blocked and the replacement card ending in [redacted] was sent. The account was revoked due to non-payment, and funds from the savings account were transferred to pay the credit card down on February 27, 2014. The remaining balance on the card was paid in full on September 10, 2014. The savings account was closed at a zero (0) balance July 14, 2014. Due to your statements that these accounts were opened without your authorization, a case was opened with our Dispute Resolutions Department. The case number is [redacted]. We strive to resolve all investigations as quickly as possible and will communicate the results of the investigation in writing once our research is complete. In addition, the Bank will submit any necessary updates to the credit bureau reporting agencies. If you would like to contact our Dispute Resolution Department, they can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### 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, Alison S.Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.  Provided I am not getting the run around, like I have every other time I have contacted 5/3 bank. Provided they actually send my title like they say they will, because I never received one at [redacted]...then yes this would resolve my issue with them.Thank you [redacted]

5050 Kingsley Drive MD 1MOCOP Cincinnati, OH 45263 [redacted] Date: October 7, 2015 Account: [redacted] Regarding Your Identity Alert Premium Dear [redacted]: We received a copy of the complaint...

you submitted to the Revdex.com, regarding your Identity Alert Premium account. We appreciate the time you have taken to document your 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 matter may have caused you. We strive to provide professional and accurate service to our customers, and we regret if the service you received did not meet the same high standard. Prior to May 22, 2014, customers enrolled in Identity Alert had the option to have the monthly charge billed to their checking account, credit card or non-Fifth Third Bank account. It should be noted that Identity Alert enrollments after this date could only be billed to a Fifth Third Bank checking account or Money Market savings account. On October 14, 2014, your Identity Alert Premium account was opened with the Bank. The monthly charge for your Identity Alert Premium account was billed to your Essential Checking account ending in 0202. On September 25, 2015, your Essential Checking account was closed with the Bank. Unfortunately, we were not able to transfer the billing of your Identity Alert Premium service to a non-Fifth Third Bank account because your enrollment occurred after the cutoff date of May 22, 2014. We apologize for any miscommunication or difficulty you may have encountered during this situation. On September 29, 2015, your Identity Alert Premium account was closed per your request. Since your Identity Alert Premium account was closed prior to the next billing date of October 14, 2015, no additional charges will be assessed for the cancelled service. [redacted], please be assured that it was not our intention to cause you any hardship or frustration. You were a valued customer and we hope that you will consider the Bank for your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S.Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

Thank you for your comments. Our records indicate that all issues have been previously addressed and, since no new information has been presented, we have nothing to add to our prior responses.  Sincerely, Elizabeth D.Fifth Third Bank

[redacted] [redacted] [redacted] Date: January 30, 2018 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your mortgage...

loan. We appreciate the opportunity to respond to this matter, and we sympathize with the difficulties you have experienced because of Hurricane [redacted]. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As you are aware, the Bank provided a three (3) month payment forbearance for our customer’ whose homes are located within a Federal Emergency Management Area (FEMA) disaster zone. The three (3) month payment forbearance means that you are not required to make a mortgage payment during the forbearance period. In addition, late charges will be waived and no negative credit reporting will be sent to the credit reporting agencies. However, although loan payments are not required during the forbearance period, interest will continue to accrue, as the loan is still active. It should be noted that a forbearance period does not defer payments and place them at the end of the loan. At the end of the forbearance period, we extended three (3) options: 1. Provide a lump-sum payment to bring the loan current. ** No late fees will be charged during the ninety (90) day period. ** This would not negatively impact your credit report. 2. Extend the payment relief forbearance period. ** Additional forbearance in three (3) month periods, up to a total of twelve (12) months. ** No late fee will be charged during the forbearance period. ** This would not negatively impact your credit report. 3. Request a modification to your mortgage loan. **Avoid making a lump-sum payment. ** May keep a similar monthly mortgage payment. ** There is minimal paperwork and no closing costs are charged. ** This change would not negatively impact your credit report. ** The term of the loan would be extended. I have enclosed the letter that was mailed to you on January 4, 2018, which explains these options to you. This letter also asks that you complete either the Verification of Employment form or a modification application if you would like to modify your loan and provides our contact information if you would like to discuss these options. Please note that we are unable to move forward with a modification without this documentation. We regret any difficulty this may have caused you. Please be assured that due to the forbearance, you were not required to make a payment between October 1, 2017, and December 31, 2017. On September 29, 2017, a call was made to our Auto BillPayer Department to place a temporary hold on your Auto BillPayer payments. I have confirmed that the payment hold was successful and Auto BillPayer did not draft any payments during that time. During the telephone call with the Auto BillPayer Department, we confirmed for you that the payments were on hold until December 31, 2017, and that payments would resume on January 1, 2018, without any further action from you. As a result, a payment in the amount of $745.83 was drafted via Auto BillPayer on January 5, 2018. However, we also received a payment from you in the amount of $745.83 on January 2, 2018. Please note that this was not a payment drafted in error by Auto BillPayer but rather a payment that was initiated via 53.com. Per your request, we reversed the January 5, 2018, payment on January 11, 2018, and returned these funds to your checking account. As of January 25, 2018, we have not yet received payments to satisfy the November 1, 2017, December 1, 2017, or January 1, 2018, due dates. If you are still experiencing a hardship and would like to discuss your options, such as a loan modification, please contact our Loss Mitigation Department at ###-###-####, option 3, Monday through Friday, 8 a.m., to 5 p.m., ET. Our specialists would be more than happy to assist you in reviewing the options available to you. 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 contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Office of the President Pc: Revdex.com Enclosure: Letter Dated January 4, 2018

[redacted] Date: January 26, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your...

Essential 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On November 12, 2015, the Disputes Department opened case [redacted] regarding a cash deposit from November 11, 2015, in the amount of $500.00 at the ATM. The Bank issued a provisional credit in the amount of $500.00 to the account ending in [redacted] while we completed our research. On December 21, 2015, we mailed two (2) letters to the address on file explaining the results of the review. One (1) of the letters explained that $280.00 of the claim had been approved. However, we were unable to locate an ATM variance that matched your dispute and the remaining $220.00 of your claim was denied on December 21, 2015. Upon denial of the claim, the remaining provisional credit in the amount of $220.00 was removed from your account. I have enclosed copies of these letters for your records and review. The Bank was able to further review the matter, and in the interest of customer service, on January 22, 2016, we credited $220.00 into your Essential Checking account ending in [redacted]. I am sorry for any frustration and inconvenience this matter has caused you while attempting to resolve the matter. Thank you for your patience while we researched this matter for you. 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 contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com Enclosures: Dispute Letters

[redacted] Date: March 23, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding transactions...

that posted to your checking account. We appreciate the time you have taken to share your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. On June 19, 2015, we received your dispute for two (2) unauthorized debits in the amounts of $300.00 each that posted to your checking account on April 9, 2015, and on April 23, 2015. We opened case # [redacted] and began our investigation. On July 14, 2015, we posted a provisional credit of $300.00 to your checking account while we investigated your dispute. Your account was also credited $629.00 on June 23, 2015, for the related overdraft fees that were charged to your account. During our investigation, we contacted [redacted] ([redacted]) in order to advise [redacted] of the dispute filed. [redacted] provided our Disputes Department with a copy of a contract in your name. According to the contract provided, on January 12, 2015, you financed $1,000.00 and agreed to make payments of $300.00 to [redacted]. We have confirmed that your checking account ending in [redacted] received a credit of $1,000.00 on January 12, 2015. I have enclosed the checking account statement showing the deposit for your review. Due to the information provided by [redacted], we denied your dispute and reversed the provisional credit of $300.00 from your checking account on July 17, 2015. Please find enclosed a copy of the contract in your name provided by [redacted]. According to the documentation provided, it appears that you initiated this loan with [redacted]. If you still claim that this contract was not authorized by you, you may submit in writing that you did not consent to the provided contract and further explain the credit to your checking account on January 12, 2015, for the proceeds of the loan in question. Please write a letter to further explain your dispute of the transactions with [redacted]. You may mail your letter and any supporting documentation to my attention at: Fifth Third Bank Office of the President Attn: Lisa S. 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 Alternatively, you can fax this documentation to my attention: ###-###-####. Once your letter is received, our Disputes Department can re-open your case and will contact [redacted] to further investigate your claims. Written confirmation will be sent to you from our Disputes Department once their investigation is completed. If you believe that the application with [redacted] was submitted in your name fraudulently, you may want to contact your local law enforcement. They will be able to assist you with completing the necessary documents for any fraud that may have occurred. We appreciate your patience while waiting for a response. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., EST. Sincerely, Lisa S. Office of the President Pc: Revdex.com Enclosure: Copy of contract, checking account statement

[redacted] [redacted] [redacted] Date: December 14, 2016 Account: [redacted] Re**rding Your Fifth Third Bank Installment Loan Dear [redacted]: Thank you for the letter you sent Greg C., President and Chief Executive Officer, and a copy of the complaint you recently filed with the Revdex.com concerning your vehicle installment loan. We appreciate the time you have taken to express your concerns re**rding this matter. Enclosed please find copies of your loan payment history and note. If after you review the enclosed documents you find that the account is incorrect, please forward details re**rding the incorrect information to the following address: Fifth Third Bank 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. After receiving your letter, we contacted the Collection Department who confirmed that you have a cease and desist from collection telephone calls. Please note that this does not stop other collection activity related to delinquency, including late charges, finance charges, or reporting to the credit bureaus. Please refer to page two (2) of your security agreement which provides you with information re**rding late payments to your installment loan. Specifically, item three (3), section (b) defines default as: ** You do not pay any payment on time; ** You give false, incomplete, or misleading information on a credit application ** You start a proceeding in bankruptcy or one is started a**inst you or your property; or ** You break any agreements in this contract Furthermore, section (d) of item three (3) states: We may take the vehicle from you. If you default, we may take (repossess) the vehicle from you if we do so peacefully and the law allows it. If your vehicle has an electronic tracking device, you agree that we may use the device to find the vehicle. If we take the vehicle, any accessories, equipment, and replacement parts will stay with the vehicle. If any personal items are in the vehicle, we may store them for you at your expense. If you do not ask for these items back, we may dispose of them as the law allows. For your convenience and review, we have enclosed a payment breakdown detailing the late payments on your installment loan. Our review of the payment history determined that the installment loan was seventy-four (74) days past due at the time of repossession. The Bank acted within the terms of your security agreement in repossessing the vehicle and is unwilling to reverse the fees associated with the repossession. Per your request, we have contacted the Collection Department and cancelled the three (3) payments you arranged with the Collection Department on November 28, 2016. Please use this letter as verification that the payments are cancelled, and your next payment of $429.92 is due on December 12, 2016. The Bank received your payment of $154.15 on December 5, 2016; however, this payment did not satisfy the amount due on December 12, 2016. You will need to make a payment of $275.78 prior to the end of your grace period December 27, 2016, to satisfy the amount due on December 12, 2016. 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 Greg C., President and Chief Executive Officer Enclosure: Note Payment History Payment Breakdown