Fifth Third Bank

After an additional review of the adjustments
made to your account, we determined that we did remove too many credits on
January 30, 2017. $500.00 was returned to the checking account on February 22,
2017. Please see below the text of the letter being mailed to the customer. Thank...

you. [redacted] Date: February 28, 2017 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. I also appreciated the opportunity to speak with you. We strive to provide quality service to all of our customers and I am sorry for your unsatisfactory experience during your previous attempts to resolve this matter. We appreciate the time you have taken to communicate your concerns. After an additional review of the adjustments made to your account, we determined that we did remove too many credits on January 30, 2017. $500.00 was returned to your checking account on February 22, 2017. It was not our intention to cause you any hardship and I apologize for the inconvenience this matter caused you. I did confirm that your account was not overdrawn during this interval and no fees were assessed. Please be assured that Fifth Third Bank takes your feedback seriously. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President

[redacted] Date: March 14, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, regarding the cancelled debit card...

authorizations on your checking 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 situation may have caused you. Please be assured that I have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. On February 5, 2016, two (2) debit card purchases for $408.07 and $171.47 were processed by the merchant [redacted] at 7:41 p.m., ET. Three (3) additional transactions for $40.80 were attempted by the same merchant within the next few minutes. However, those purchases were declined and did not go through. Due to this activity, our Fraud Department placed a block on your debit card and requested that you contact the Bank regarding your account. While speaking with our Fraud Department, you confirmed that the merchant had entered an incorrect amount for the purchase and correct amount should have been $40.80. In addition, the merchant cancelled the previous authorizations for $408.07 and $171.47via their terminal. As a result, the block was removed from your debit card and the merchant was able to process the purchase for the correct amount of $40.80 at that time. On February 6, 2016, you spoke with a Customer Service Representative regarding the cancelled debit card transactions noted above and online bill payments that were scheduled to be debited from your checking account on February 8, 2016. The Customer Service Representative correctly informed you that it may take three (3) to five (5) business days for the funds from the cancelled transactions to reflect as available in your account. The Customer Service Representative suggested that the merchant contact their card processing company in order to expedite the release process. Unfortunately, an alternative which involved the merchant contacting the Bank with the authorization codes for the cancelled transactions was not offered. We are sorry that you were not provided with this option when you spoke with the representative. It should be noted that no overdraft fees were assessed and no posted transactions were returned unpaid on February 8, 2016. I understand your frustration when this situation occurred and we appreciate your patience while we researched this matter. [redacted], please be assured that it was not our intention to cause you any hardship or frustration. Thank you for your feedback as it assists us in identifying opportunities to improve our systems and the level of service we provide to our customers. 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] Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S. Office of the President Pc: Revdex.com

[redacted]Date: December 16, 2015 Account:     [redacted]Account:     [redacted]Regarding Your Checking AccountsDear [redacted]: We received a copy of your rebuttal filed through the Revdex.com concerning your checking accounts.  We appreciate the time you have taken to express your thoughts and concerns regarding this matter.We stand by our previous response to you dated November 18, 2015.  We are not willing to reverse any additional overdraft charges.Our records reflect that the account ending in [redacted] was charged off on December 8, 2015 and the account ending in [redacted] was charged off on December 1, 2015.  Both accounts were charged off due to the overdraft situations.  In addition, both accounts were sent to a third party vendor, Allied Interstate, for further collection purposes.  Please direct any additional collection correspondence regarding your accounts to them.  They can be reached directly at ###-###-####    On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused you.   If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, Carolyn G.Office of the President

[redacted] Date: October 29, 2015 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your Essential Checking account ending in [redacted]. 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 the difficulties you have experienced with your account. Your remarks about how the Bank processes transactions and handles account overdrafts are very concerning. Please be aware that the Bank utilizes a standardized method for processing transactions and handling account overdrafts. 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 the 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. The information displayed on the Bank’s website at www.53.com, is provided as a convenience to our customers. It is designed to assist our customers in monitoring their accounts. Please note that when a check is outstanding on your account, it will only be displayed on our website after it has posted to your account. For this reason, it is important to ensure that you have sufficient funds in your account to cover transactions you authorized. A check that has been presented for payment posts to your account at the end of the business day on which it is presented for payment. Because of this, if you view your account balance on our website before the end of the business day on which the check is presented for payment, the check being presented for payment will not be reflected in the account balance. It will be reflected in your account balance on our website the next business day. On September 30, 2015, the ending balance in your checking account was $35.06. On October 1, 2015, check number 9001 in the amount $25.00 posted to your account. The ending balance in your account on October 1, 2015, was $10.06. On October 2, 2015, the debit card purchase of $14.29 at Fazoli’s posted to your account. The ending balance in your checking account on October 2, 2015, was negative ($4.23). On October 5, 2015, you initiated a $4.23 transfer from your checking account to your Access 360 card, overdrawing your account further. If this was done by mistake, we have no record of you making an adjustment and transferring the funds back to your checking account. The ending balance in your account on October 5 was negative ($8.46). Your checking account was then assessed a $37 overdraft fee and the $11 monthly service on October 6, 2015 resulting in a negative balance of ($56.46). I have enclosed a copy of your account statement for your review. It was certainly not our intention to cause you any hardship, but our research did not reveal any wrongdoing by Fifth Third Bank. We also believe that we assessed applicable overdraft fees to your account in accordance with the Bank’s policies and procedures; however, we are still willing to help you. If you deposit $8.46 into the account, which is the amount owed on the account before any fees were assessed, we will reverse the fees that have been charged on the account since October 5, 2015, and close the account. Please be aware that this cannot be done until you deposit $8.46 into the account. I have tried to call you at the number we have on file for you but have not been able to reach you. Please visit a Fifth Third Banking Center to deposit $8.46 into your account as soon as possible. Please also be sure to bring this letter with you when you make the deposit so that I can be contacted after the deposit is made and then ensure that the account gets closed. 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: Statement

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 not requesting financial assistance. The account has been brought current. I am requesting Fifth Third Bank to honor the pay arrangement they accepted and agreed to that I kept prior to them falsely reporting my account past due. All I need is for them is to remove the inaccurate credit reporting status of being late 2 or more times because I have NEVER been late. That was the reason they agreed to the pay agreement in the first place. I am not a satisfied customer and will be paying off the remainder of my loan and finding a vehicle with another company who appreciates their customers more. 
Regards,
[redacted]

[redacted] Date: September 21, 2015 Account: [redacted] Regarding Your Lease Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your lease account....

We appreciate the time you have taken to document your thoughts and concerns. Your comments expressing less than quality customer service are very concerning. It was certainly not our intention to cause you any undue frustration and we sympathize with the difficulties you encountered. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. 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 strive to provide professional and accurate information to our customers and we sympathize with the difficulties you encountered. On June 1, 2015, your lease account was invoiced $45.00 for an unpaid citation that was issued by the [redacted] on August 23, 2007. Your vehicle was still registered with the Fifth Third Leasing Company at that time. Your lease account was re-opened on June 3, 2015, and the $45.00 invoice was paid. A $30.00 processing fee was also charged to your lease account. Our records indicate that you received the bill for the amount owed on your lease account and on July 10, 2015, you contacted our Escalation Department. Our Lease Operations Group reviewed this matter and the decision was made to waive the amount owed on your lease account. Please be assured that all residual interest that was due on your account was also waived. Effective on September 16, 2015, your lease account was closed out completely with a zero balance owed. You will soon receive a statement that will show the lease account has been closed with a zero balance. I hope this letter addresses all of your concerns and you are satisfied with the resolution. It was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. Thank you for your feedback as it assists us in identifying problems and allows us to continuously improve the level of service we provide to our customers. If I could be of further assistance to you, please call me toll free at ###-###-#### or directly at ###-###-####. Sincerely, Lisa S. Office of the President Pc: Revdex.com

[redacted] 
[redacted] 
[redacted] Date: October 13, 2015 Account: [redacted] Regarding Your Overdraft Fees Dear [redacted]: We received a copy of your continued communication with the Revdex.com concerning the overdraft fees you recently accrued on your checking account ending in [redacted]. I appreciate the time you have taken to further communicate your thoughts and concerns. We initially received a copy of this complaint on September 23, 2015. October 1, 2015, we received a similar complaint from you on this matter; however, we stand by the response conveyed to you in the previous letter sent on September 30, 2015. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. Regarding your requested explanation of the posting order involving your direct deposit of $602.97, our records indicate this deposit posted on September 22, 2015. Your electronic payment to [redacted] was made by Fifth Third on September 21, 2015, as you had authorized. The item posted to your account for that business day during overnight processing along with your debit card purchases. We apologize for any misunderstanding there may have been, but the items that caused the overdraft in question were requested to be paid on the prior business day, not Tuesday September 22, 2015. [redacted], I appreciate this opportunity to further address your concerns and thank you for your patience while waiting for a response. If I could be of additional 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 Enclosure (1): Previous Response Letter

[redacted] [redacted] [redacted] Date: December 29, 2016 Regarding Your Recent Auto Loan Application Dear [redacted]: Thank you for the follow up letter you sent to the Bank, we also received a copy of the complaint you filed with the...

Revdex.com regarding your recent auto loan application. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We received your original complaint on November 18, 2016. We received your follow up correspondence on December 27, 2016, and the Revdex.com complaint that same day. However, we stand by the response conveyed to you in the previous letter sent on November 22, 2016. I have enclosed a copy of that correspondence for your review. Our position on this matter has not changed. Please note an automobile dealership will often send a credit application to multiple banks in an attempt to obtain financing for their customer. The dealer is trying to find the best structure, rate and deal for the applicant. We conducted a thorough review of the installment loan application. Our review determined on June 11, 2016, the Bank received an application for an auto loan at the [redacted] of [redacted] dealership. The collateral associated with the auto loan was a 2011 [redacted]. We have included a copy of the adverse action letter sent to you on July 4, 2016, for that auto loan application. However, if the application was submitted in error by the dealership, they will need to provide us with a letter documenting their error. The dealership representative can send the requested letter to the following address: Fifth Third Bank Office of the President 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, this signed documentation can be faxed to my attention at ###-###-####. If you would like to contact the credit bureaus directly, the contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### If the application was submitted to the dealership in your name fraudulently, please contact your local law enforcement. They are able to assist you with completing the necessary documents for any fraud that may have occurred. If you have already filed a police report, have a copy mailed to us at the address listed above and we will have the inquiry removed. 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 Enclosures: Prior Response Adverse Action Letter

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]
I have
until the 25th to make this payment otherwise it would not be a grace
period and the late fee would be charged immediately after the 15th.  I don't care at this point when the payment is due as long as it
is paid by the 25th.  My actions do not justify theirs and I have been
treated this way every since my father passed away on January 11, 2012 and I began
making his car payment in February 2012.  I have worked over 60 hours a
week, 7 days a week since then to pay my father's obligation to this bank and
this is how I am routinely treated.  So their apology isn't worth the
paper it is written on.  The way I have been treated is obviously an
acceptable method of treating customers or certain customers because it
occurs too much.  You would think that a company would definitely have
more respect for a daughter who makes her deceased father's payment in order to
honor his last wishes for her only son and his only grandchild by paying this
debt that is and was never mine.  My credit score is [redacted] so I did not file
a complaint for them to try to put this back on my by announcing the payment
has not been received.  I have made the payments for over two years so I
know when I make them and when I don't.  I called in and requested that
the late fee be waived, they did not do this out of the kindness of their heart
because they are heartless. [redacted]  I told the last person that I was not making
a payment until I was assured that something would be done to correct the
unprofessional behavior of their employees.  But I believe that they
would rather have the car back since they couldn't force the 16 year old that
my father left it to put it in his name or force me to put in my name which the
probate attorney told me not to do and I have told Fifth Third Bank this
repeatedly over the years.  Plus, I have two houses and a car of my own
plus my the rent for the condo I live in another state that I transferred to
for a promotion with my job.  This is why my father did not leave anything
to me, his only daughter.  He did not know what leaving his estate to a
minor entailed and neither did I but I have done my best to make the best of
it.  When my [redacted]l goes to court and I have to detail everything that
I have been through I will make sure that it is a matter of  public record
how Fifth Third Bank has treated me before and afterwards so that potential
customers will never deal with them and hopefully current ones will
leave.  They have made the worst times in my life worse than they had to
be or I ever thought they could be!  In the future if they expect to get
paid then I expect to be treated professionally every time I call no
exceptions, especially when this loan is not in my name and I never had to make the payments.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

[redacted] 
[redacted] Date: June 24, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, regarding a payment for your...

installment loan account. We appreciate the l 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. Please be assured the Bank takes this issue very seriously and expects that each customer will be treated in a respectful manner when they contact the Bank. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. On June 4, 2010, your installment loan was opened with the Bank. The loan term for your account was seventy-two (72) months. The first payment of $274.70 was due on July 19, 2010. As a result, the maturity date for your installment loan was June 19, 2016. Your installment loan is considered past due for payment if we do not receive your total monthly payment by the due date indicated on your contract. The final calendar day of your grace period for the loan is not considered the due date for your payment obligations. The grace period indicates when a late charge will actually be assessed to your account for a past due payment. There is a ten (10) day grace period on the account, with a late charge assessed if the payment is not received prior to the end of the grace period. Your payment habits affect the amount of interest and late fees paid over the life of your installment loan. If payments are posted late during the seventy-two (72) month term of your account, then late fees are assessed to the account and you may pay more in interest over the life of the loan. Since a smaller amount of your payments were applied to the principal balance, there may be a larger final payment due to late fees paid and additional interest charged. On May 19, 2016, a payment in the amount of $274.70 was due for your installment loan. The final payment notice dated May 25, 2016, indicated that $608.15 was due by June 19, 2016. This amount included previously assessed but unpaid late fees of $14.22 and your payment for May 2016 since it had not been received as of the final notice date. On May 26, 2016, a payment in the amount of $274.70 was posted to your installment loan. This amount satisfied the payment due for May 2016. It should be noted that a late fee was not assessed for this payment since it was received within your grace period. As of June 22, 2016, the payoff amount due for your installment loan is $332.52. A breakdown for this amount is as follows: ** $316.86 Principal balance ** $1.44 Accrued interest ** $14.22 Unpaid late fees The daily interest charge for your installment loan is $0.05. In order to obtain an updated payoff amount, you may contact our Customer Service Department at ###-###-#### and use the Integrated Voice Response (IVR) automated system. Copies of your payment history, security agreement, final payment notice and written payoff quote are enclosed for your review. Mr. [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 (###) ###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S.Office of the President Enclosure(s): Payment history, Security agreement, Final notice, Payoff quote Pc: Revdex.com

[redacted] Date: June 29, 2017 Regarding [redacted] Dear [redacted]: We received a copy of your complaint filed with the [redacted]) and Better Business...

Bureau (Revdex.com) regarding your check to [redacted]. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the frustration you experienced regarding this matter. Per your conversation with Bancorp Resolution Manager Lee F., Fifth Third Bank processed the check presented to us for payment correctly on October 28, 2016. We have forwarded the information to the business involved. For additional updates about the information listed on your credit report, please contact the business directly. 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], Revdex.com Enclosures: Check Image

Please see attached response. [redacted]
[redacted]
[redacted]
[redacted]We received a copy of the complaint you filed through the Revdex.com dated November 30, 2014, concerning your checking account. We...

appreciate the time you have taken to express 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.In researching your concerns, we found that two (2) of your claims for fraudulent activity on your checking account have been approved by our Dispute Department. The funds totaling $44.00 were returned to your checking account on December 2, 2014. In addition, the Dispute Department has given you provisional credit for the other claim of $53.74 while they continue to investigate the claim. If the claim is found in your favor, the provisional credit will remain on your account and if the claim is denied, the provisional credit will be removed and you will be responsible for the debt. The Bank has also refunded overdraft charges totaling $111.00 on December 2, 2014, and December 3, 2014 due to the fraudulent activity on your account.We have removed the hold that was placed on your account. However, a restraint is still in effect on your account to prohibit any other debits from being deducted from your account.We empathize with the difficulties you have experienced with your checking account. However, we are unable to waive the Early Access loans that you have initiated. An Early Access loan totaling $110.00 was withdrawn from your checking account on December 4, 2014. And you are still responsible for the $30.00 and $300.00 Early Access loans that you initiated on November 13, 2014, and November 17, 2014. Please be advised that if your account is not brought to a zero or positive balance, the account will be closed, the negative balance will be charged off, and the account will be reported to [redacted], an agency that keeps record of charged off deposit accounts. At this time, your checking account has a negative balance of ($476.38).   I can assure you that it was not our intention to cause you any frustration or hardship. On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused you. If I could be of further assistance to you, please call me at [redacted], or toll free at ###-###-####.Sincerely,

[redacted] Date: March 7, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com, regarding the missing...

payment for your mortgage loan account. . We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. Please be assured that we take your comments very seriously. It is feedback like yours that helps in identifying problems to improve the level of service we provide to our customers. Please be assured that the relevant parties have been contacted to express your dissatisfaction and to fully research your concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience this situation may have caused you. On January 5, 2016, you called our customer service number and advised that you mailed a check for your mortgage payment the preceding day using an envelope for a promotional mailer you received. You stated that you crossed out the department name and wrote “payment processing” but you did not change the address. You called back on January 15, 2016, and were informed that this was the last day to make a payment on the account without incurring a late fee. As the Bank has several different locations that process payments for a variety of loan types, we had not yet been able to locate a copy of the check you sent. You declined to make a payment over the phone or online, and advised that you would place a stop payment with your Bank on the check you sent and send a new check. On January 25, 2016, you made a payment to your mortgage loan account in the amount of $322.90. The payment was applied to your January 2016, payment obligation and also paid the late fee of $8.31. On January 27, 2016, the original check you sent was located and processed by the mortgage loan department. The check was returned unpaid on February 1, 2016, due to the stop payment you requested. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. It was not our intention to cause you any hardship. Please note that the late fee you paid on January 25, 2016, for $8.31 was waived on February 9, 2016. After the fee was waived, your payment of $8.31 was reversed and applied to the principal balance of your loan. If you have any questions regarding this payment and reversal, please contact me at the number below. As of today, your loan is due for your March 1, 2016 payment obligation in the amount of $303.43. In the interest of customer service, we would also be willing to reimburse you for the stop payment fee charged to your checking account due to this returned payment. Additionally, in the future please send payments to: Fifth Third Bank P.O. Box 630412 Cincinnati, OH 45263-0412 You may want to consider enrollment in Auto BillPayer for your mortgage loan. Auto BillPayer enables you to have payments automatically deducted from your non-Fifth Third Bank checking account each month on the due date or any date within the grace period. Many of our customers appreciate the convenience of Auto BillPayer, which eliminates the need of check writing and mailing in your payments. If you have any questions about Auto BillPayer, or if you would like to set up the payment service, please call Auto BillPayer at ###-###-####, Monday through Friday, 9 a.m. to 5 p.m., ET. If you utilize Auto BillPayer and a payment date is setup every month during the grace period, our Collection Department will not contact you during the grace period. [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 ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C. Office of the President

I read [redacted] additional rebuttal. He has not provided any additional information than was not provided in his previous correspondences. We have responded to this customer 5 times with the same information. We will need him to provide a copy of the declaration page from his insurance policy to prove that he had comprehensive coverage on the related vehicle.Per his last request, I even contacted his insurance agent directly to request a copy of the declaration page. We have still not received proof of the insurance. Our response will not change. Thank you, [redacted]| Fifth Third Bank Customer Care Specialist II| Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263

[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: 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

[redacted] Date: March 30, 2016 Account: [redacted] Regarding Your Mortgage Account Dear [redacted]: Thank you for contacting the Bank, regarding your Fifth Third Bank mortgage loan. We appreciate the time...

you have taken to express your concerns regarding this matter. Your comments expressing less than quality customer service are very concerning. We strive to provide accurate and professional services to our customers. Please be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received at the [redacted] Banking Center. We have conducted an investigation of your claims that you were instructed not to make your mortgage loan payments by the [redacted] Banking Center, but were not able to substantiate your claim. Should your mortgage loan become past due, your account may be subject to late charges, property inspection fees, derogatory credit bureau reporting, and attorney fees. During that time, our Collection Department will attempt to notify you via mail and telephone. Our records confirm that our Collection Department attempted to contact you several times concerning the late payment for your mortgage loan account. Past due notices and mortgage loan statements were also mailed to the address on file from December 16, 2015 through February 17, 2016. The past due notices and mortgage loan statements are enclosed for your review. On February 19, 2016, you requested a payoff quote for this mortgage loan. The payoff quote for your mortgage loan had a good through date of March 1, 2016. I have enclosed a copy of this payoff quote for you records. On February 19, 2016, a letter was also mailed to the above address indicating that you should continue to make regular payments to avoid late charges and potential negative credit bureau reporting. I have enclosed a copy of the letter titled Important Information Regarding Your Mortgage Loan Payoff Quote for your records. Until the mortgage loan payoff posted to your account on February 26, 2016, you were still contractually obligated to make the monthly mortgage loan payment as outlined in the Note. I have enclosed a copy of the Note for your records. The call on March 1, 2016, was reviewed and no error was found in the information provided to you concerning the credit reporting dispute process. The Consumer Contact Center agent informed you that she submitted a request to have the delinquencies reported to the credit bureaus reviewed. We are very sorry if our attempts to explain the credit reporting dispute process during your telephone call with our Consumer Contact Center did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. We regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to correct prior negative reporting. 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, Elizabeth J.Office of the President Enclosures: Note, Past Due Notices, Mortgage Loan Statements, Payoff Quote, and letter titled Important Information Regarding Your Mortgage Loan Payoff Quote

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12059960, and have determined that this does not resolve my complaint.   
I would like to be compensated for the time (13 months) in which it took for this to be resolved. A refund of the money owed to me is not sufficient.
Regards,
[redacted]

[redacted] Date:               May 4, 2015 Account:             [redacted] Re: [redacted] Checking Account Dear [redacted]: We received a copy of the additional follow up complaint you filed with the Revdex.com concerning your [redacted] Checking account. We appreciate the time you have taken to document your thoughts and concerns, and I apologize if our initial response did not address all of your concerns. On Wednesday, November 26, 2014, your account was overdrawn in the amount of $2.01 and overdraft protection from the credit card account ending in 0431 transferred $50.00, the minimum transfer amount, into the account on November 28, 2014, to cover the negative balance plus the $12.00 transfer fee that was assessed for the overdraft transfer. Per the Rules and Regulations that are provided at account opening, on page 14, section 14: Transfers from a Credit Card will be exact amount needed unless that amount is less than $50.00 and you have at least $50.00 available to transfer, in which case $50 is transferred. I have enclosed the Rules and Regulations document for your records and review. Please note that we stand by our previous responses that were sent to you on [redacted] 17, 2015, and [redacted] 27, 2015, and are unable to waive any additional fees. As a point of clarification, overdraft coverage allows debits and payments to be made even if you don't have enough money in your account .With Overdraft Protection you can choose to use your savings account, secondary checking account, credit card, or line of credit to cover transactions that may overdraw your account. Anytime there is a negative balance in the account, overdraft protection will automatically attempt to transfer funds to bring the account back to a positive balance. I have also enclosed a document titled Fifth Third Overdraft Solutions for Consumers for your records and review. 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 directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 **m. to 6 p.m., ET. Sincerely,   [redacted] Consumer Resolution Specialist Office of the President Enclosures (2): Rules and Regulations, Fifth Third Overdraft Solutions for Consumers Pc: Revdex.com