Fifth Third Bank

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[redacted]Date: April 10, 2015Account: [redacted]Re: Title for Vehicle Installment LoanDear [redacted]:We received a copy of the complaint you filed with the Revdex.com concerning the title for your vehicle installment...

loan. We appreciate the time you have taken to document your thoughts and concerns.On behalf of the Bank, please accept my sincere apologies for the level of service you received from the Bank. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your complaint, I forwarded your concerns to the relevant parties within the Bank who thoroughly researched this matter. 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. However, I cannot inform you of any specific internal actions that may be taken.In our research, we found that the dealership in [redacted] where the vehicle was purchased provided an electronic title to the Bank on January 14, 2015. Because the vehicle was to be registered in [redacted], it was the responsibility of the dealership to provide you with an [redacted] paper title. Unfortunately, the dealership in [redacted] did not follow the appropriate process to title the vehicle in another state. After contacting the Bank, you requested the title transfer from [redacted] on March 4, 2015, [redacted] received the paper title from the state of [redacted] on March 10, 2015, and forwarded the title to the [redacted] DMV on March 18, 2015, to complete the state-to-state transfer. I apologize for any misinformation that may have been received and any inconvenience this may have caused. Because we value your business, we will reimburse the $36.00 fee that you incurred from [redacted] as well as the $50.00 penalty that was assessed for the delayed registration in the state of [redacted]. Please find the enclosed checks totaling $86.00. I hope this letter meets your satisfaction and resolves your needs.Thank you for your patience while we researched this matter for you. We truly value you as a customer, and we look forward to continuing our banking relationship with you. If I could be offurther assistance to you, please contact me toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Consumer Support Specialist Office of the PresidentPc: Revdex.com Enclosure (1): Check

[redacted] Date: March 31, 2015 Account:       [redacted] Re: Deposit Hold Dear [redacted]: We received your email sent to our Board of Directors, as well as your complaint filed with the Revdex.com...

regarding a deposit hold. We appreciate the time you have taken to document your thoughts and concerns. Your comments expressing less than quality service are very concerning and have been addressed and forwarded to the appropriate personnel. On behalf of the Bank, I apologize for any inconvenience this issue may have caused you. When a customer contacts the Bank, we expect each situation will be handled in an accurate and professional manner. I apologize that this was not what happened when you initially contacted us and we expect that this will not be the case in the future. We were able to further research your concerns regarding the hold that was placed on your account. Our records indicate that the Bank received notification on March 10, 2015, that the $1,500.00 deposit made to your checking account on March 9, 2015, was going to be returned because the check was counterfeit. Because the funds from the deposit were used, the Bank has determined it necessary to close your checking account. That same day, an account closure letter was sent to you at the address above and a hold was placed on your checking account. For your reference, I have enclosed a copy of the closure letter that was sent to you. We apologize if you did not receive it. During our research, we also discovered that the check deposited on March 4, 2015, in the amount of $1,757.00 was returned on March 13, 2015. We were advised that the check was returned because the routing number was invalid. When we reviewed the routing number, we noted it appeared to be valid so we reprocessed the check on March 19, 2015. The check was returned again on March 20, 2015. We are unable to process the check a third time. You will need to contact the maker of the check in order to have a new check issued. It should be noted that as of today the $1,500.00 check has not returned. When the check is returned, the funds will be removed from your checking account. As of today, we indicate that your balance is negative ($811.44) due to the returned deposit item mentioned above in the amount of $1,757.00. Therefore, no additional funds would be refunded to you. The account will be closed within thirty (30) days of March 10, 2015. Any negative balance will be charged off, and reported to [redacted].Please note that the Bank makes funds available from your deposit as per our Funds Availability Policy outlined in our Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards. For your reference, I have enclosed a copy of the Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards.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,[redacted]Executive Support Specialist Office of the PresidentPc: Board of Directors, Revdex.comEnclosure: Closure Letter, Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards.

[redacted] [redacted] Date: July 3, 2015 Account: [redacted] Regarding Your Mortgage Loan Escrow Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your mortgage loan escrow 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 18, 2013, you requested a payoff quote for the mortgage loan ending in 8118, and this information was provided to you via fax. When a mortgage payoff is requested, a special block is placed on the mortgage account that prevents payments being made from the escrow account. When this block was placed on your account, it was not given an expiration date. Because there was no expiration date on the block, it remained on the account and prevented the payments from the escrow account. Please note the block was manually removed from the account on May 11, 2015. We regret the frustration and inconvenience this has caused you. On May 12, 2015, the Bank refunded $170.20 into the escrow account to reimburse you for the principal and interest that was assessed as a result of the payment not being made in a timely manner. Also, per your request, we reanalyzed the escrow account on July 2, 2015. There was an escrow surplus in the amount of $1,209.79; these funds were returned to you via check on July 2, 2015, at the address listed above. Please note, your new monthly payment in the amount of $660.46 is effective as of September 1, 2015. I have enclosed a copy of the corrected Annual Escrow Account Disclosure Statement for your records and review. I hope this letter resolves your need and meets your satisfaction. Thank you for your patience while we researched this matter. 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. April Q. Office of the President Pc: Revdex.com Enclosure: Annual Escrow Account Disclosure Statement

[redacted] [redacted] [redacted] Date: January 13, 2017 Account: [redacted] Regarding Your Platinum [redacted] Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

Platinum [redacted] 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. Enclosed for your reference is a copy of the terms and conditions applicable to your credit card account. Page one (1) section one (1), and page four (4) section twenty-one (21), advise that the Bank may close the account at any time without prior notice. Your credit card was issued in November 2013 and you have not utilized the card for any transactions. Because the card the card was not used for the three (3) years leading up to its expiration date, the Bank did not reissue a new card to you. I am very sorry for the distress that this situation has caused, and I certainly understand your frustration with the account not being reissued. Please note that we may still be able to reissue a replacement card to you within twelve (12) months of the card’s expiration. I also apologize that the account is not reflecting as closed on your credit report. I confirmed there is a known issue at the Bank that credit cards we do not reissue due to inactivity are not updating as closed on customers’ credit reports. The Bank is currently working on a way to fix this issue so the card will automatically update as closed in this situation. I can process the closure and the account will then update to the credit reporting agencies as closed. Without your confirmation, I did not close the credit card in the event that you would prefer I request to keep the card open and have it reissued. I attempted to contact you on January 10, 2017, and on January 13, 2017. I am sorry that I was unable to reach you. Please contact me by February 1, 2017, to advise if you would us to reissue a replacement credit card for your account and keep it open, or if you would like me to move forward with the closure request. If I do not hear from you by February 1, 2017, I will close the account the following business day on February 2, 2017. Once closed, the account will update as closed on your credit report. 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: Fifth Third Bank Card Agreement

[redacted] Date: May 17, 2017 Account: [redacted] Regarding Your Mortgage Loan 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 are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. The Bank paid $3,638.62 to [redacted] County on November 3, 2016. As we discussed, the Bank was not billed for the remaining portion of your tax bill. Our research indicates that you were appealing the tax amount. We spoke with the taxing authority on May 5, 2017, after receiving your Revdex.com complaint. They informed us that the appeal was denied and the bill was sent directly to you. While you paid the amount yourself, we have updated your escrow account to reflect that $3,945.33 will be due December 1, 2017. The annual escrow analysis for your loan will be in June and any changes to your monthly payment will be communicated to you separately through an Escrow Analysis statement. We also reviewed your concerns regarding the payment of your homeowner’s insurance premium. Although we are committed to excellence, mistakes sometimes occur. An internal processing error caused the payment for your insurance premium to be delayed. The prior policy was good through October 28, 2016. When we did not receive a bill from the insurance carrier, we contacted them on October 31, 2016, to verify coverage and request the premium notice be faxed to our Insurance Center for payment. We paid your homeowners insurance premium on November 10, 2016. Because Fifth Third Bank maintains a master insurance policy, your property was never exposed and was covered at all times. We assure you that we have closely reviewed and corrected the issue in our internal systems to avoid any similar problems in the future. The next annual premium payment is scheduled for October 28, 2017. Customers can update their insurance information by fax, by mail, or online at InsuranceServiceCenter.com. Property tax information can be submitted either by fax, or by mail. The Bank’s Customer Service Department does not communicate with customers via email for security reasons. It was not our intention to cause you any hardship and I apologize for the inconvenience this matter caused you. 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 Pc: Revdex.com

[redacted] Date: August 4, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com regarding your vehicle loan. We appreciate the additional time you have taken to document your new concerns regarding this matter. On July 22, 2016, we received and posted your payment in the amount of $1,500.00. This payment brought your installment loan current. Your next payment of $507.27 will be due on August 10, 2016. As advised in our previous response, according to our insurance center, your comprehensive insurance coverage was cancelled on December 16, 2015. A new policy was written on March 30, 2016, that included comprehensive coverage. However, the effective date for this policy was May 24, 2016. Subsequently, the insurance coverage that was purchased by the Bank, on your behalf, was in effect for December 16, 2015, until May 24, 2016. According to our insurance center, as of July 29, 2016, the letter from your insurance agent had not been received. However, in order for your agent to provide proof that you had comprehensive coverage from December 16, 2015, through May 24, 2016, a declaration page for your policy must be provided. A declaration page is normally the front page of your insurance policy that provides the policy holder’s name and address along with the related car information, policy number, term and effective dates. We will not be able to consider a refund of the forced placed insurance premium until we receive a declaration page showing comprehensive coverage effective during this time. Your insurance agent may fax the declaration page to my attention at ###-###-#### and I will forward this document to our insurance center for review. Thank you for your patience while waiting for our response. You are a valued customer and we hope that you will continue using Fifth Third Bank in the future. 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., ET. Sincerely, [redacted] Office of the President Pc: Revdex.com

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[redacted] Date:        June 30, 2015 Account: [redacted] Regarding Your Business Line of Credit Dear [redacted]: We received a copy of your complaint recently filed with the Better Business...

Bureau. 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. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. I have shared the information you brought to our attention with the management of the Financial Center you visited. Additionally, our regional management regularly reviews customer feedback as part of our ongoing commitment to improving our operations. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Your feedback helps us to identify problems and to improve the level of service we provide to our customers. The due date for payments to post to your Business Line of Credit is typically around the 17th of each month. If we receive a payment after the due date on your statement, we would assess a late fee. It is also necessary for a payment to post each statement cycle to satisfy that month’s payment. To satisfy your monthly payment, a full payment needs to be received by the due date indicated on your statement. Unfortunately, the banking center employee who told you to make your minimum payment minus the late fee gave you incorrect information. Reversing the late fee does not count as a full payment, so if you’re making a payment and deducting the $39.00 late fee, you’re not paying enough to satisfy your minimum monthly payment. This created a “snow­ball” effect that lasted from February to June. On June 19, 2015, we began making all the necessary adjustments to your account to correct the prior payments and give you an updated minimum monthly payment requirement for July, 2015. Please find below an accounting of the minimum payments due each month, as well as payments made by you and any fees that were charged and credited to your account. On December 20, 2014, we sent you a statement for your Business Line of Credit indicating that the minimum payment due by January 17, 2015, was $342.00. You made a payment to your account in the amount of $342.00 on January 16, 2015. Unfortunately, there was a delay in the processing of this payment and it didn’t post to your account until January 21, 2015. Due to this reason, the late fee that posted to your account on January 20, 2015, was reversed on January 21, 2015. In addition, we credited your account in the amount of $0.46 for an interest charge adjustment. On January 20, 2015, we sent you a statement indicating that we had not received a payment from you during the previous statement cycle. Due to this reason, the minimum payment due by February 17, 2015, was $724.00, with a past due amount of $342.00. Two (2) payments posted to your account during this statement cycle. The first payment, which I mentioned in the previous paragraph, was made on January 16, 2015, in the amount of $342.00, but posted to your account on January 21, 2015. The second payment was made on February 13, 2015, in the amount of $350.00. The total amount paid by you during this statement cycle was $692.00, however the minimum payment due was $742.00, which was $50.00 short, causing another late fee in the amount of $39.00 to be charged to your account on February 20, 2015. We reversed this fee on March 3, 2015, due to the error. On February 20, 2015, we sent you a statement indicating that the minimum payment due by March 17, 2015, was $376.00. A payment was received from you in the amount of $350.00 and posted to your account on March 17, 2015. However, the payment was short $26.00, which caused another late fee in the amount of $39.00 to be charged to your account on March 18, 2015. We reversed this fee on April 17, 2015, due to the error. On March 20, 2015, we sent you a statement indicating that the minimum payment due by April 17, 2015, was $376.00. A payment was received from you in the amount of $337.00 on April 16,2015, which was $39.00 short of your minimum monthly payment obligation. A late fee was charged to your account on April 20, 2015, due to the full payment not being paid.On April 20, 2015, we sent you a statement indicating that the minimum payment due by May17,2015, was $417.00. During this statement cycle, your account was accessed the annual fee of $100.00. On April 29, 2015, we reversed two (2) $39.00 late fees that were charged to your account, totaling $78.00. In addition, your balance on your line of credit exceeded the limit during this statement cycle and you were charged an over limit fee in the amount of $39.00 on May 20, 2015. We reversed this fee on June 22, 2015, due to the error. We also received a payment from you in the amount of $417.00 during this statement cycle, on May 6, 2015. On May 20, 2015, we sent you a statement indicating that the minimum payment due by June 17, 2015, was $1,060.80. On June 17, 2015, we received a payment from you in the amount of $400.00. In addition, a late fee in the amount of $39.00 that was charged to your account on June 18, 2015, was reversed the following day. We removed the penalty pricing rate that was applied to your account due to the late payments and waived $340.42 in Finance charges that were charged in error due to the penalty pricing rate increase. The most recent statement to be mailed to you was sent on June 20, 2015. This statement indicated that the minimum payment due by July 17, 2015, was $762.00. As of June 22, 2015, we have made all the necessary adjustments so that the account does not show a past due balance. However your statement was already mailed when the adjustments were being made, so unfortunately your statement will not disclose the correct minimum balance requirement for your July 17, 2015, payment requirement. Please use this letter as verification that your adjusted minimum payment obligation due on July 17, 2015, is $341.00. Please note, the Bank did not report any negative information to the Credit Bureaus, so there weren’t any credit bureau adjustments needed. Please be assured that it was not our intention to cause you any hardship. You are a valued customer and we look forward to serving your future financial needs. 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

[redacted] [redacted] [redacted] Date: May 13, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding your checking account...

ending in [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. We are very sorry if our attempts to explain the Overdraft Coverage policy during your telephone calls 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. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter may have caused you. We strive to offer our customers products that are convenient and beneficial while remaining competitive within the industry. Some checking accounts have the Overdraft Coverage option, which allows a customer to complete a one-time debit card transaction or Automated Teller Machine (ATM) withdrawal even if there are insufficient available funds in the account to cover the full amount of the transaction. Our records indicate that you accepted Overdraft Coverage for ATM transactions and one-time debit card transactions on January 28, 2016. A letter confirming your acceptance of Overdraft Coverage was mailed to you at the address on file at that time. For your records, I have included a copy of this letter. On April 15, 2016, the balance in your checking account was $0.18. Four (4) items totaling $18.64 posted to the account that day, creating an ending balance of negative ($18.46). Due to non-sufficient funds four (4) overdraft fees totaling $100.00 were assessed and posted the following business day. The ending balance was negative ($118.46). An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fees assessed. On April 18, 2016, the balance in your checking account was negative ($18.46). The overdraft fees totaling $100.00 and three (3) items totaling $29.79 posted to the account that day, creating an ending balance of negative ($148.25). Due to non-sufficient funds three (3) overdraft fees totaling $111.00 were assessed and posted the following business day. The ending balance was negative ($259.25). An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fees assessed. On April 22, 2016, you opted out of Overdraft Coverage. Therefore, any debit card purchases and ATM withdrawals are declined when there is not enough money in your account, and as a result, will not be charged an overdraft fee for these types of transactions. However, Overdraft Coverage for checks and Automated Clearing House (ACH) electronic payments comes standard to your checking account. If there are insufficient funds in your account when these types of transactions are processed, your checks and electronic payments will be returned unpaid, and are still subject to overdraft fees. For your records, I have also included a copy of this letter. Electronic payments do not show as pending against the account during the day because they are not preauthorized like debit card transactions. Because checks and electronic payments do not have a preauthorized timestamp, these types of transactions are processed at the end of the business day. On May 5, 2016, the balance in your checking account was $0.00. One (1) web initiated payment totaling $24.18 posted to the account that day, creating an ending balance of negative ($24.18). Due to non-sufficient funds one (1) overdraft fee of $37.00 was assessed. The ending balance was negative ($61.18). An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fee assessed. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. On May 9, 2016, a total of $37.00 in overdraft fees was waived. In the interest of customer service, we waived an additional $37.00 in overdraft fees on May 11, 2016. However, we are not willing to reverse all of the overdraft fees assessed as you have requested. To prevent an overdraft situation, you have the ability to review your account at an ATM , on our website at 53.com, or by calling our Customer Service Department at ###-###-####. If the account becomes overdrawn, we also send you an overdraft notice that includes a detailed breakdown of the day’s transactions. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions. This guide provides additional information related to the overdraft fees that we assessed to your account. We also offer ways to track your balance and manage accounts to help avoid overdraft fees on your accounts in the future. The guide also explains Overdraft Protection, which is different from Overdraft Coverage. Overdraft Protection is the service you mentioned that allows you to link another Fifth Third account to your checking account to transfer funds to cover transactions when there are insufficient funds in your checking account. We sincerely hope this information will help you understand the Bank’s position going forward and resolve your needs. 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: Overdraft Coverage Notices and Overdraft Solutions

February 4, 2015 [redacted] Re: Mortgage Loan[redacted] Dear [redacted], We received a copy of the complaint you filed with the Revdex.com and your telephone call to the Bank regarding the fees due and escrow...

account for your mortgage loan. We appreciate the time you have taken to express 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 or difficulty this situation may have caused you. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. On November 6, 20**, fees totaling $[redacted] for your prior Chapter [redacted] (*) [redacted] filing were billed to your mortgage loan. A breakdown for this amount is listed below: - $[redacted] Attorney Costs - $[redacted] From May 2013 to July 2013, three (3) payments in the amount of $[redacted] posted to your mortgage loan. As part of each payment, $[redacted] was applied toward the [redacted] fees noted above. As a result, the outstanding amount due at this time is $680.91. Your mortgage loan is considered past due for payment if the full monthly payment amount is not posted to your account by the due date indicated on your mortgage note and any applicable escrow notices. A full mortgage payment includes your total principal and interest payment due, plus your monthly tax and insurance obligations. The monthly payment for your mortgage loan is due on the first day of each month. If a full payment is not posted to your mortgage loan within the fifteen (15) day grace period, a late charge in the amount of $[redacted] may be assessed. Should your mortgage loan become past due, your account may be subject to late charges, property inspection fees and delinquent payment information reported to the credit bureaus. During that time, we will attempt to notify you via mail and telephone while offering possible assistance options. The total amount due on your monthly statement may vary if any outstanding past due payments or fees remain unpaid. It should also be noted that if we do not receive the total payment amount due for your account, any partial payments that we receive may post to the account in an unapplied state and those funds may be reapplied or returned to you at a later time. Fifth Third Bank, Member[redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp I have included the following table showing the payments posted to your mortgage loan from November 2013 to September 2014. The highlighted row represents the payment that was posted to your account in an unapplied state. The ‘(L)’ indicates the specified amount was applied toward a late fee. Remaining Late/Property Payment Due Total Unapplied Fee Principal Interest Escrow Inspection Date Date Amount Balance Balance Charges Due [redacted] 
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[redacted] If we receive notification about delinquent tax or insurance obligations on the property during your loan term, we reserve the right to pay those obligations on your behalf as indicated within page 4, item number * of your mortgage agreement. Should this situation occur, we will add those obligation costs to your regular monthly payment amount, and send you the necessary escrow information by mail. In December 2013, the Bank was made aware of delinquent sewer assessments totaling $[redacted] that were due for your property. As a result, payments for the delinquent assessments were disbursed from your escrow account to [redacted] to satisfy the amount due. The response letters sent previously regarding this matter are enclosed for your reference. However, if the assessments in question are discharged or refunded by the county and you provide documentation confirming this, we are willing to credit the amount specified to your escrow account. Fifth Third Bank, Member[redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp On July 25, 2014, an annual escrow analysis was completed for your mortgage loan. During we confirmed a shortage totaling $[redacted] due to the unexpected disbursements noted above and increased cushion required. Since we did not receive the total shortage by the due date indicated of August 15, 2014, we divided the shortage into [redacted] (**) monthly payments increasing your overall mortgage payment from $[redacted] to $[redacted] effective September 1, 2014. In our prior correspondence dated November 26, 2014, you were given the option to spread the escrow shortage over [redacted] (**) months to reduce the amount required to pay each month. On December 3, 2014, you contacted the Bank and requested that we extend the repayment period for the escrow shortage. Therefore, your monthly payment was reduced to $[redacted] effective for the amount due on September 1, 2014. The table shown below lists the transactions posted to your mortgage loan from October 2014 to January 2015. The highlighted rows indicate funds debited from your unapplied balance or checks we issued because those partial payments were insufficient to return the loan to a current state in accordance with our payment procedures. The ‘(PI)’ represents a property inspection charge. Late/Property Fee Payment Due Total Unapplied Principal Interest Escrow Inspection Balance Date Date Amount Balance Charges Due [redacted] 
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Fifth Third Bank, Member FDIC. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Late/Property Fee Payment Due Total Unapplied Principal Interest Escrow Inspection Balance Date Date Amount Balance Charges Due [redacted] 
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On December 22, 2014, a corrected escrow analysis was completed for your mortgage loan. Therefore, your monthly payment will increase from $[redacted] to $[redacted] effective for the amount due on February 1, 2015. A copy of this escrow analysis is enclosed for your review. It should be noted that the repayment term for the shortage of $[redacted] shown on your most recent escrow analysis is [redacted] (**) months. If you would like to spread the shortage out over [redacted] (**) months, please contact me at the telephone number shown below. In addition, please be aware that the previously noted [redacted] fees of $[redacted] and late charges of $[redacted], which total $[redacted] are valid and due on your account. Ms. [redacted], please be assured that it was not our intention to cause you any hardship or frustration. We appreciate 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 [redacted]. Sincerely, [redacted] Consumer Resolution Specialist Office of the President

Final response to [redacted] is attached  December 23, 2014[redacted]
[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.Dear Ms. [redacted],We received a copy of your complaint filed with the Revdex.com regarding your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced.If you have outstanding ACH (Automatic Clearing House) payments that you wish to stop from posting to your account, you have the ability to make arrangements with the payees involved or place a stop payment for each item. When requesting a stop payment, we require the exact details of the ACH item including the item date, the payee involved, and the payment amount at least three (3) business days or more before the payment is scheduled. Should we not receive sufficient details or the stop payment is requested less than three (3) business days prior to the scheduled date, the stop payment may not prevent the ACH item from being paid on your account.The Bank will not be liable for any stop payments which involve insufficient information or requests that are made less than three (3) business days or more beforehand. After a stop payment is processed, a fee of $33.00 will typically be assessed to your account. I have enclosed a copy of our Rules and Regulations handbook for your review. Pages twenty (20) and twenty-one (21) provide additional information regarding stop payment of preauthorized ACH transfers. Page fifteen (15) paragraph twenty-two (22) provides additional information regarding stop payment of a check.    On November 21, 2014, you requested the following stop payments:  Payee: [redacted] ** Amount: $451.35 Check #: 1190Item Date: 11/17/14Payee: [redacted] Amount: $187.51 Item Date: 11/21/14Payee: [redacted] Amount: $50.00 Item Date: 11/21/14Payee: [redacted] Amount: $381.00 Item Date: 11/21/14Payee: [redacted] Amount: $250.00Item Date: 11/21/14Payee: [redacted] Amount: $50.00Item Date: 11/21/14Payee: [redacted] Amount: $1,056.23 Item Date: 11/21/14  The information you submitted regarding a stop payment on check number 1190 to [redacted] ** for $451.35 was correct; therefore this item was returned to your account on December 8, 2014.The exact dollar amount of the [redacted] item was $87.51 and you requested a dollar amount of $187.59. We require the exact dollar amount; therefore this stop payment was not effective. The payment of $50.00 to the payee [redacted] has not been presented for payment.The exact name of the payee for one of the items you requested is [redacted] and you requested a stop payment with the payee name of [redacted]. The exact name of another payee is [redacted] LLC and you requested a stop payment with the payee name of [redacted] The exact name of another payee is [redacted] and you requested a stop payment with the payee name of [redacted]. Also, the payment of $1,056.23 has not been presented for payment. We require the exact name of the payee(s) and the payee(s) provided was incorrect; therefore these three (3) stop payments were not effective.It is certainly not our intention to cause you any hardship. As a valued customer, we have waived overdraft fees totaling $186.00 in the last twelve (12) months. We have also waived stop payments fees totaling $165.00. Please be aware that we are unable to waive any additional [redacted], thank you for your patience while waiting for a response. 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 call me directly at ###-###-####, or toll free at ###-###-####.Sincerely,[redacted]Enclosure: Rules and Regulations

[redacted] [redacted] [redacted] Date: March 7, 2016 Account: [redacted] Regarding Your Credit Card Account Dear [redacted]: We received your complaint filed with the Revdex.com regarding the limit decrease on...

your credit card account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please accept my sincere apologies for any inconvenience this matter may have caused you. It is certainly not our intention to cause you any frustration or hardship. In order to meet our commitment to responsible lending practices while balancing our customers’ financial needs, Fifth Third Bank periodically reviews your credit bureau information and existing account performance in order to determine your current financial condition and continuing eligibility for your credit card account. In your case, we determined that it was necessary to reduce your credit limit from $3,200.00 to $1,100.00 effective in February 2016. Based on our review, your credit limit was decreased due to the number of cash advances in the last 6 months, the proportion of balances to credit limits too high on revolving accounts, the ratio of balances to credit limits on revolving accounts is too high, and your current deposit balances. As a result, a notification letter detailing these findings was sent to you on February 12, 2016. We are unable to adjust the credit limit on your credit card at this time, as you have requested. However, you are welcome to contact our New Accounts department to request a credit limit increase in six (6) months time. Our New Accounts Department can be reached directly at ###-###-####, Monday through Friday, 8 a.m. EST to 8 p.m. EST, and Saturday, 8 a.m. EST to 5 p.m. EST. Our decision was based in part from information obtained from [redacted]. If you dispute the accuracy or completeness of information contained in your [redacted] credit report, you have the right to dispute the matter directly with the credit reporting agency. [redacted] can be reached using the information below: [redacted]-Consumer Relations 2 Baldwin Place, PO Box 1000 Chester, PA 19022 ###-###-#### http://www.[redacted].com/direct Thank you for this opportunity to respond to your concerns. Your feedback is important to us so that we can better understand how we can improve our service to you. You are a valued customer and we look forward to serving your future financial needs. 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., EST. Sincerely, Lisa S.Office of the President Enclosure: Credit limit decrease notice 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.   
They were presented with not one but TWO documents stating I had full coverage as of March 2016.the document was provided to Better Business Burea as well. The bank is blatantly stealing money from their customers. Period with proof my agent provided you on3 separate occasions. How can they deny a legal document? My [redacted] agent is also fed up with their incompetence and will present our documents to the [redacted] as well as other outlets to file for Bank Neglagence and Fraud. 
Regards,
[redacted] I have attempted to edit my rebuttal I mistakenly said We were filing with [redacted] but it auto corrected the initials. We are filing with [redacted] who have accepted our case. The bank does not mention the first letter in their answer nor the fact that they received the document that they requested which clearly states I had coverage in March of 2016 not May. Who buys a policy and doesn't have it go into effect for two months? Absurd!

[redacted] [redacted] [redacted] Date: November 15, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your installment 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. On February 26, 2010, you agreed to a seventy-five (75) month vehicle installment loan in the amount of $28,865.66. Per the enclosed contract, the final payment for your loan was due on August 28, 2016. We submit information to the credit reporting agencies each month regarding the payments for the account. Payments received more than thirty (30) days after the due date are reported as late payments. Because the maturity date for the loan is the date by which the loan must be paid in full, the account is reported as late if the final payment due is not paid in full within thirty (30) days of the final payment date. On September 16, 2016, you spoke to our Collection Department to advise you sent a payment to the Bank the previous week. Our Collection Department advised that the loan had to be paid in full by November 28, 2016, which was ninety (90) days after the maturity date. You set up payments for the loan during this phone call. We were able to review the phone call, and we confirmed that credit bureau reporting was not discussed. After reviewing the account, we confirmed that the loan was not paid in full until October 17, 2016. The loan was paid in full more than thirty (30) days after the final payment date; therefore, the thirty (30) day late payment reported for the August 2016 payment is accurate. We are unwilling to remove the late payment from your credit report. I am sorry for any distress this may cause you. Fifth Third Bank complies with the Fair Credit Reporting Act (FCRA) to report accurate account information. Our records reflect that you requested to speak to a supervisor on October 18, 2016. You were transferred and left a voicemail for the supervisor that day. On October 19, 2016, a supervisor named Jessica called you per your request. However, she was unable to reach you and left a message for you. You spoke to the Collection Department again on October 21, 2016. The Collection Department representative you spoke to offered to transfer you to the supervisor’s voicemail, but you declined. I am sorry for any difficulties you experienced when attempting to speak to a supervisor. 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: Loan Contract

.I spoke to representative on the phone questioning a portion of the statements . I asked them to look at the 700.or so   dollar total for fee's on the account for a  previous cycle. I also explained that at one time I was told I had been charged if I remember correctly close to 2000.00 dollars in other various fee's for a year or two total. PRIOR to thr dates they have submitted on their rebuttle statement. Explaining this to the agent, she said she would take a detailed look at it. Never heard anything until this most recent reply from Revdex.com. What I would liKE. To see is a amount charged for innsuficcient fee's for 2 years prior to all thay have corresponded. Or just a total of these charges over my last 2. To 2.5 years. That should be easy.

[redacted] Date: December 21, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning the overpayment refund for...

your installment loan ending in [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. We would like to offer our sincere apologies for any inconvenience this matter may have caused you. Your feedback is important to us, so that we can better understand how we can improve our service to you. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction. On December 16, 2015, the over payment refund of $224.94 was sent via overnight delivery to the address above. The UPS tracking information shows that the check was delivered at 9:52 A.M. on December 17, 2015. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. 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

[redacted] Date: December 7, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your checking account. We...

appreciate the time you have taken to document your thoughts and concerns regarding this matter. We value your relationship with Fifth Third Bank and appreciate the opportunity to respond to this matter. Your comments expressing less than quality service are very concerning and I regret the difficulties you have encountered regarding your account. Overdraft Protection is a service in which the Bank can link a customer’s checking account to one of their other accounts to protect the checking account from becoming overdrawn. When an account has been set up with overdraft protection and becomes overdrawn, the funds, if available, will automatically transfer from the connected account to attempt to bring the overdrawn account to a zero balance. There is no fee to have Overdraft Protection on an account. However, if Overdraft Protection is used and an automatic transfer occurs, a $12.00 fee will be charged to the checking account. Please be aware that the $12.00 fee will be added to the amount transferred since the fee will be assessed to the checking account. According to your complaint, you were told that Savings Overdraft Protection was connected when your checking and savings accounts were opened. We reviewed our records and determined that the Overdraft Protection was not connected when your accounts were opened. We sincerely regret for the frustration this has caused you. On November 12, 2015, the balance in your checking account was $138.35. Ten (10) items totaling $313.53 posted to your account along with a deposit of $128.00. Your ending account balance was negative ($47.18). Due to insufficient funds, two (2) overdraft fees of $37.00 were assessed to your checking account which posted the following day. Once your complaint was received, the decision was made to waive the $74.00 in overdraft fees that were charged to your account. The fee waiver posted to your checking account on December 3, 2015. We have also confirmed that Savings Overdraft Protection is now connected to your checking account. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions. This guide provides additional information related to our Overdraft Protection service. It was certainly not our intention to cause you any hardship. I hope this letter addresses all of your concerns and you are satisfied with the resolution. If I may 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, Lisa S.Office of the President Pc: Revdex.com Enclosure: Fifth Third Overdraft Solutions

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  The previous letter clearly stated 5th3rd COULD NOT reverse any more charges, however they did. This letter states that they can not reverse anymore of the $802 "At this time". OK well how about tomorrow can you reverse it then? I believe I am being discriminated against because of my socioeconomic status.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  The business just photocopied the user agreement which I already know says they can reduce my limit whenever they want. What they have failed to address is why they would do that when my account has consistently been paid and has always been in good standing. It is death by a 1000 cuts every time I make a substantial payment they lower the limit, resulting in a notification sent to the credit bureau. It has happened at least five times. I am paying on time at least 5x payment and getting negative reports on the credit bureaus. Last time my credit dropped 10 points. Also this time the drop in limit put me over the limit. This is illegal!!!! Nowhere on the crappy photocopy is this explained
 
Regards,
[redacted]

[redacted]. [redacted] Date: October 23, 2015 Account: [redacted] Regarding Your Credit Card Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding finance charges on...

your credit card account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We conducted a thorough review of the activity on your credit card account from June 2013 until December 2013. Our review determined that our payment service, Auto BillPayer, was making the minimum payments to your credit card account each month. Therefore, the interest charges that posted to your credit card account during that time are accurate and we are unable to waive the finance charges, as you have requested. According to your complaint, during 2013, you sent in check payments to the Bank to pay off the full balance owed on your credit card account, but the checks were never processed. After reviewing your credit card statements, we discovered that the only payment that we received was made on November 20, 2013, in the amount of $2,760.00. I have enclosed the related credit card statements for your review. I apologize if the payments that you mailed in were not processed. If you can provide proof of the payments sent, I would be happy to research this matter further. We hope this response will help you understand Fifth Third Bank’s position going forward. We appreciate your patience while we researched your request. If I may 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, Lisa S. Office of the President Pc: Revdex.com Enclosure: Credit Card Statements

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and based on the additional information I received in the mail yesterday, I still have concerns as to whether my account is actually set up for auto pay.  I have attached the 2 letters I received from Fifth Third Bank and both are dated for December 14, 2015.  It may be that they have 2 accounts set up for me now which also is incorrect.  I appreciate the letter from the office of the president and would have accepted that as the resolution prior to receiving the communication in the mail yesterday.  I find it hard to believe a bank this size can continue to harass it's clients over something such as this.  I hope to move my account to a different bank as soon as I can which will be time consuming for me.  I am very unhappy with the lack of professionalism and customer service shown by Fifth Third Bank staff along with the very poor follow up I have seen.
As you can see by the letters attached I am still receiving conflicting information and have doubts about my account being resolved soon.Regards,[redacted]