Fifth Third Bank

February 10, 2015 [redacted] 
[redacted] Re: [redacted] Banking Center Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning the Image Automated Teller Machine (ATM) at...

the [redacted] Banking Center. We appreciate the time you have taken to bring this matter to our attention. 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. We thank you for being a long time customer, and for your feedback as it assists us in identifying problems and to continuously improve the level of service we provide to our customers. Customer service is of the utmost importance to all of us at Fifth Third Bank. Some of the benefits with the new Image Automated Teller Machines are: ? The machine requires no envelope to make a deposit. Assuring a deposit posts to the proper account. ? Cash deposits are verified immediately for bill denominations and authenticity ? The machines are able to recognize and reject counterfeit bills ? Eliminates the ability for a customer to attempt an empty envelope deposit ? Checks are sent immediately for an automated clearing process ? Receipts with check images available at the time of deposit On February 1, 2015, you attempted to make a deposit into the Image ATM at the Piqua High Banking Center. In your letter, you mention that the deposit should have been $[redacted] but that the machine malfunctioned and sent back $[redacted] and retained your ATM card. On February 2, 2015, a dispute was entered with our Dispute Resolution Department. The dispute was assigned case #[redacted]. As part of the dispute process, the dispute resolution team did post a $[redacted] credit to your checking account ending in[redacted]. This credit will remain on the account while the dispute is investigated. The contact information for the Dispute Resolution Department is [redacted]. Fifth Third Bank works continuously to make decisions that allow us to provide high levels of service to our customers in addition to meeting the needs of our employees, and shareholders. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may cause you. It is not our intention to cause you any hardship. Fifth Third Bank, Member[redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Thank you for this opportunity to respond to your concerns. 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 [redacted], or toll free at [redacted]. Sincerely, [redacted] Senior Consumer Resolution Specialist Office of the President

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

[redacted] Date: May 1, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your checking account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On July 27, 2012, we received a wage garnishment order for your account. The available balance in your checking account on July 27, 2012, was $427.57. As a result, we placed the $427.57 in your account on hold until the funds could be sent for the garnishment. I reviewed our records and confirmed that the $427.57 was unavailable in your account from July 27, 2012, through November 14, 2012, when we paid the garnishment. After we placed the $427.57 on hold, the available balance in your checking account was zero ($0.00). However, on July 30, 2012 you withdrew $240.00 from the checking account at an Automated Teller Machine (ATM), which reduced the available balance to negative ($187.57). Please note that your checking account had the ability to become overdrawn. You also had the ability to see at the ATM that the available balance was zero ($0.00). Additional Automated Clearing House (ACH) and check transactions processed against your account, but they were returned as unpaid because the Bank would not allow the available balance to become further overdrawn. On November 14, 2012, we paid the $427.57 per the garnishment order. Please note that during this time, two (2) returned items and overdraft fees of $37.00 each were assessed. The balance in your checking account on November 15, 2012, was negative ($314.00) due to the ATM withdrawal you completed and the fees totaling $74.00. You did not make any additional deposits to the account, so the balance remained negative. As a result, the account was charged off on January 8, 2013. The account was sold to the third (3rd) party collection agency TMT Management on December 16, 2013. Enclosed for your records are all of the checking account statements issued for the account. We confirmed that no Bank error occurred and the charged off balance is valid. Please note, however, that TMT Management is no longer in business and we are unable to verify what agency may now own the debt or the amount of debt that company may be collecting. I confirmed the account is not being reported to the intra-bank monitoring agencies [redacted] or [redacted]. We are also not reporting the account to any of the credit reporting agencies. We cannot remove a credit bureau reporting that is being reported by a different company. 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: Statements and Notices

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 do  accept that after looking at the records that they did mail me another check  for the amount which I did cash- but I still incurred $24.00 in fees for the initial checks they mailed me , so I am requesting the re-imbursement of $24.00 to me. I don't know why they mailed the amount in question twice to me -i did not request it.  But I should not have to pay fees for their mistake. 
Regards,
[redacted]

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

your Fifth Third Bank accounts. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. Our research determined the transactions conducted by a third party on your checking and savings accounts were initiated by your designated power of attorney. On September 25, 2013, [redacted], visited the [redacted] Bank Mart and provided the manager with the enclosed POA document, which authorizes her to conduct banking transactions on your accounts. I have also enclosed copies of your account statements, and withdrawal tickets for the applicable time period. In your complaint you mentioned that there were unauthorized ATM (Automatic Teller Machine) transactions on your checking account. It should be noted, that there was a dispute filed regarding the $900.00 in ATM withdrawals. The dispute department opened a case (#[redacted]), and you were provided provisional credit for the four (4) ATM transactions on June 6, 2013, while the investigation was pending. Our investigation determined the transactions were done by a woman, who had also made a number of withdrawals in the past that you did not dispute. This women was determined to be your mother and power of attorney. Therefore, the provisional credit was removed from your account on June 10, 2013. I hope this correspondence cleared up any outstanding questions you had related to this issue. If I could be of further assistance to you, please 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

[redacted]Date: August 19, 2015Account:           [redacted]Regarding Your Checking AccountDear [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 concerns regarding this matter.On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. It was certainly not our intention to cause you any frustration or undue hardship. We strive to provide professional and accurate information to our customers, and I am sorry if that has not been your experience.Overdraft protection automatically transfers funds from a Fifth Third Bank savings account, credit card, or equity line to cover items that overdraw your checking account. With overdraft protection, we charge a transfer fee of $12.00 for each transfer versus an overdraft fee of $25.00 or $37.00 for each posted item that overdraws your account. Please be aware that overdraft protection will cover all types of transactions when the available checking account balance is insufficient.In contrast to overdraft protection, some of our deposit accounts have overdraft coverage for ATM (Automated Teller Machine) transactions and one-time debit card transactions. Overdraft coverage allows a customer to access funds beyond the balance in their account for emergency cash needs. According to Federal Regulations, customers have the option to choose whether to continue having overdraft coverage on their checking account. Overdraft coverage may be declined verbally by calling our Consumer Contact Center at ###-###-####, or visiting one of our local Banking Centers, or via our Internet Banking at www.53.com. After further review of your checking account, we confirmed that you accepted overdraft coverage via our Internet Banking on June 18, 2010, at 11:06 a.m. EST.If the available balance in your checking account is not sufficient to cover items that post and there is an insufficient available balance in your ready reserve account, the posted items may be returned unpaid and subject to overdraft fees. The per item overdraft fee is based on the number of occurrences in the last twelve (12) months. For the first occurrence, you will be charged $25.00 per item. For any additional occurrence, the charge is $37.00 per item. Should the account become overdrawn, we also send an overdraft notice via standard mail to inform you of the occurrence, which includes a detailed breakdown of the day’s transactions. I have enclosed a copy of our Rules & Regulations handbook that you received and agreed to when signing a signature card to open the checking account. Pages 2, 11, and 12 provide additional information regarding overdraft and the related fees.On July 27, 2015, your account balance in your checking account was positive $34.57. One (1) item in the amount of $71.96 posted to your account. Although you had overdraft protection, there were insufficient available funds on your Ready Reserve account ending in 6207 to cover the item presented. Therefore, your ending balance in your checking account was negative ($37.39). Due to insufficient funds, we assessed one (1) overdraft fee of $37.00 to your account the following business day.On July 29, 2015, your account balance was negative ($74.39). Two (2) items totaling $45.02 posted to your account. Your ending account balance was negative ($119.41). Two (2) overdraft fees of $37.00 each posted to your account the following day.On August 4, 2015, your account balance was negative ($193.41). You had a debit in the amount of $36.07 post to your account. Due to insufficient funds, one (1) overdraft fee of $37.00 posted to your account the next day.On August 5, 2015, your account balance was negative ($229.48). One (1) transaction for $4.98 posted to your account. Your account balance was negative ($271.46). Since you did not have enough funds to cover this transaction, your account was charged an overdraft fee of $37.00 the following day.It is important to ensure that your account has enough funds to cover all of the transactions you have authorized. However, in the interest of customer service, on August 12, 2015, $74.00 of the overdraft fees charged to your account were waived. You will see the credit to your account on your next statement.We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this matter may have caused your client. You are a valued customer and we sincerely hope that you will continue using Fifth Third Bank for your financial needs in the future. 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,Lisa S.Office of the PresidentPc: Revdex.comEnclosure: Rules and Regulations

Attached is our response filed by [redacted]We received a copy of the complaint you submitted to the Revdex.comregarding your Goal Setter Savings account. We appreciate the time you havetaken to document your thoughts and concerns regarding this matter. On behalf of...

the Bank, please accept my sincere apologies for any inconvenience orfrustration this matter may have caused you. It was certainly not our intentionto cause you any hardship. Fifth Third Bank takes your feedback seriously, andI want you to know that customer feedback is reviewed by our senior andexecutive management teams as part of our ongoing commitment to improving ourcustomers’ satisfaction.On March 19, 2014, you opened a Goal Setter Savings account ending in [redacted] at the [redacted]tFinancial Center. With a Goal Setter Savings account, you set a personalsavings goal, save at your own pace, and track your progress online with InternetBanking. When you reach your goal, you receive an interest bonus. To help youreach your savings goals even faster, funds are kept separate from youreveryday spending and can only be accessed by visiting a Fifth Third Bank financialcenter, or by calling our Customer Service Department at [redacted] totransfer funds into a related checking account. I have enclosed a copy of ourGoal Setter Savings product slick for your review, which provides additionalinformation about the benefits you receive with your account.On November 27, 2014, our records show that you attempted to access your GoalSetter Savings account from an ATM (Automated Teller Machine). However, becauseyou are unable to access funds from a Goal Setter Savings account through anATM, you were unable to withdraw the funds from your account on that day.Additionally, you attempted to withdraw $103.25 from your savings account,while the available balance was only $0.80. You also attempted to withdrawfunds from a checking account, although you do not have any open checkingaccounts with the Bank. On November 28, 2014, we received your direct deposit of $651.30. Because FifthThird Bank does not place holds on electronic direct deposits, the funds wereimmediately available to you the day we received the deposit. Our recordsreflect you withdrew $600.00 from the account on the same day at the [redacted]East Financial Center. As of December 4, 2014, your available balance is$10.10.Ms. [redacted], thank you for your patience while waiting for a response. It is awell-known fact that no business can survive without its customers, and we wantto assure you that we truly value your banking relationshipwith us. If I could be of further assistance to you, please contact me directlyat [redacted].Sincerely,[redacted]SeniorConsumer Resolution SpecialistOfficeof the President [redacted]

The permanent address we have on file for the customers is [redacted], the mailing address is [redacted]. The coupon book would have been sent to [redacted]. If the customers need to make changes to the addresses they have on file they can visit a 5/3 Banking Center, call the Customer Service Department, or myself, to make sure that this is properly updated. The Customer Service Department can be reached toll-free at ###-###-####, Mondaythrough Friday: 7:00 a.m. to 8:00 p.m., Saturday 8:30 a.m. to 5:00 p.m., ET. I can be reached at ###-###-#### or toll free at ###-###-####, Monday throughFriday, 8 a.m. to 6 p.m., ET.Thank you for helping with this,________________________________________________________________Sarah S.| Consumer Resolution Specialist | Office of the PresidentFifth Third Bank | 5050 Kingsley Dr. Cincinnati OH 45263 | MD 1MOCOP

Please see attached documentation showing that I had sufficient funds. I also have issues with the automatic bill payer program, please have Fifth Third contact me. Thank you.

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.  There is no mention of this alleged recording fee anywhere in my previous correspondence with Fifth Third Bank.  If this is, in fact, a legitimate state-mandated fee, it should have been properly disclosed beforehand, noted in the letter confirming payment of the loan, and documented by the government agency in question.  The 5-3 employee I spoke with had no knowledge of this so-called fee and could not explain the discrepancy in the amount of the refund.  It appears that 5-3 simply seized the funds and is trying to justify its actions after the fact.
Regards,
[redacted]

[redacted] Date: March 22, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com regarding the collection calls you received and the service provided at one of our banking centers. We appreciate the time you have taken to document your additional thoughts and concerns. I would like to again apologize for the inconvenience these phone calls may have caused you and your wife. Please understand that calls are made within the grace period in order to help customers avoid late fees or delinquent credit reporting. It was certainly not our intention to cause you any frustration. Please be assured that we attempted to review the collections calls made to you and your wife for this installment loan. Our records indicate that we have not made recent collections calls related to this installment loan. The last collection call made was in March 2015 and we are unable to retain collection call recordings from a year ago. On February 16, 2016, we received a check in the amount of $1,483.21 made payable to Fifth Third Bank. This check was applied to your vehicle loan and served as a full payoff of the loan in which the [redacted] was held for collateral. This payoff payment was applied to your loan and on February 16, 2016, your installment loan was closed. Since that time, you should have received the enclosed closure letter confirming that your loan has been paid off in full. I have also enclosed a copy of the Release of Lien – Termination Statement that shows our lien was released on your vehicle on February 16, 2016. Thank you for your patience while waiting for a response, and we sympathize with the difficulties you encountered regarding your loan. You were a valued customer and we look forward to servicing your financial needs in the future. If I could be of further assistance to you please contact me directly at (513) 358-2980, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., EST. Sincerely, Lisa S. Office of the President Pc: Revdex.com Enclosure: Release of Lien – Termination Statement, Closure letter

[redacted] Date: October 28, 2016 Regarding [redacted] Mortgage Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com on behalf of [redacted] regarding her...

mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Since you are not a co-signer on [redacted] mortgage loan, we are unable to share any details regarding her mortgage loan with you. Security measures such as these are in place to protect our account holders from potential fraud, and I am sorry for any inconvenience this may cause you. Please be assured we thoroughly researched this matter and sent a detailed response to [redacted]. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

November 2*, 2**4 [redacted] 
[redacted] Re: Credit card xxxx-xxxx-xxxx-[redacted]Dear Ms. [redacted], We received a copy of your complaint filed with the Revdex.com regarding your Platinum [redacted] account. We appreciate the time...

you have taken to express your thoughts and concerns regarding this matter. We understand that this is a difficult time. We offer our deepest condolences for the loss of your husband. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Enclosed for your review is a copy of the credit terms that were sent to you in July 2**3 with the offer for a new credit card. Please note that first (*st) section labeled Annual Percentage Rate (APR) for Purchases under Interest Rates and Interest Charges states that “*% introductory APR for the first *2 Billing Cycles that your Account is open.” Your credit card account ending in [redacted] was opened on September *3, 2**3, and the first (*st) billing cycle occurred on September *7, 2**3. Therefore, the promotional APR ended on September *7, 2**4. I apologize if you misunderstood the introductory [redacted] percent (*%) promotional offer. I was unable to locate any record of a Bank representative advising you that the[redacted] percent (*%) APR for twelve (*2) months began on the date that you made the purchase. While we are unable to refund you for the balance transfer fees you have paid to Bank of America, we have waived the $[redacted] in finance charges that were assessed to the Fifth Third credit card account in the interest of customer service. On November *4, 2**4, we mailed a $[redacted] check to you using the address listed above. If you do not receive this check, please contact me directly using the phone number listed below. Your credit card account was closed on November 3, 2**4. However, if you would like to reopen the card, we can do so within sixty (6*) days of the closure date. Your comments expressing less than quality service are very concerning. If you are able to provide additional information regarding the Customer Service Department personnel with whom you spoke, such as their names and the date and times you called, I would be happy to further research your concerns. I would also like to take this time to apologize for the frustration you experienced when you were not permitted to speak directly to [redacted], President and Chief Operating Officer. Mr. [redacted] is very interested in all customer service issues; however, he has delegated the handling of such matters to various Bank employees, including myself. Please be assured that our executive management, including Mr. [redacted], review complaints received by the Office of the President on a regular basis. You are a valued customer and we regret you felt the need to close your Fifth Third account. We sincerely hope that you will reconsider that decision and continue using Fifth Third Bank for your financial needs in the future. If I can be of any further assistance, please contact me at [redacted] Sincerely, [redacted] Senior Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosure: Credit Terms

Problem: Last night I waited until 11:58pm - 11:59pm - 12:00am - 12:01am to see if anything comes through my account . There was nothing . I took pictures of the screen with those times shown on my ipad. This morning when I woke up, I was charged $74 again. 53 Bank rips money from people like me by processing transactions at after midnight but still charges overdraft. I have proof of what they do is illegal. No basis I need to be refunded. If not this time my screen shots will be on the news....Desired Outcome: refund immediately

[redacted]Date: March 12, 2015Re: IRA for [redacted] Dear [redacted]:We received a copy of the complaint you filed with the Revdex.com on behalf of your wife [redacted]. We appreciate the time you have taken to document your thoughts and concerns.It is our understanding that you spoke with [redacted], Vice President via telephone on March 7, 2015. Because you are not a signer on this account, we are unable to share any details of this account with you. The Bank has security measures in place to protect the privacy and security of our account holders, and I apologize for any frustration this may cause you. Please be assured that we have researched your concerns, and a response letter with our findings will be mailed directly to [redacted].We appreciate your patience while waiting for a response. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, [redacted] Executive Support Specialist

October 17, 2014
[redacted]
[redacted]
[redacted]
Re: Mortgage Loan [redacted]
Dear Mr. [redacted],
Thank
you for contacting the Bank in response to the prior correspondence we sent to
you on August 15, 2014, and September 22, 2014. We...

appreciate the opportunity
to further respond to this matter, and we sympathize with the difficulties you
have experienced.
On
behalf of the Bank, please accept my sincere apologies for any inconvenience or
frustration this matter may have caused you. As we stated in our prior
correspondence, we made an adjustment to your mortgage loan ending in [redacted] to reapply all payments since March
31, 2013, on July 23, 2014, as you intended. When a payment dispute is
received, there is a window of time during which delinquency may still be
showing on your credit report. Once the dispute is resolved, credit reporting
will resume, and any delinquency that was reported as a result of any
misapplied payments will be removed. However, we understand that in the letter
dated August 15, 2014, [redacted], Regulatory Support Specialist,
communicated to you that the delay in correctly applying your payments did not
have a negative impact on your credit report. I am sorry that it was not
brought to your attention that delinquency may report until an updated payment
history is reported to the credit-reporting agencies. Please note that it may take
[redacted] days for the credit reporting to update.
When
you contacted the bank regarding the delinquency on your credit report, we
immediately escalated your concerns to management in our Mortgage Loan
Operations Department to ensure that your credit report is being accurately
reported by all [redacted] credit-reporting agencies. On October 16, 2014, we
confirmed that all credit-reporting agencies are correctly reporting as of
October 2014, and there is no delinquency showing on your credit report. I hope
this letter meets your satisfaction and resolves your needs.
If
you would like to contact the credit-reporting agencies directly, their contact
information can be found
In regards to your dissatisfaction with the service you received,
we addressed these concerns in our letter dated September 22, 2014. As we
stated in the letter, we waived late charges totaling $[redacted] in the
interest of customer service. We are unable to provide you with
any additional compensation, and we consider this matter resolved.
Mr. [redacted], thank you for your continued
patience while we conducted our additional research. If I could be of further
assistance to you, please contact me directly at [redacted], or toll free
at [redacted]
Sincerely,
[redacted]
Senior Consumer Resolution Specialist Office of the President

[redacted] Date: August 7, 2015 Regarding an Inquiry on Your Credit Bureau Report Dear [redacted]: Thank you for your follow up contact with Revdex.com concerning a credit inquiry processed by Fifth Third Bank. We appreciate the additional time you have taken to express your concerns regarding this matter. In our prior letter to you dated July 29, 2015, we included copies of the updates we sent to each of the credit reporting agencies requesting that the hard inquiry made by Fifth Third Bank on October 22, 2014 be changed to a soft pull. Please note, those requests were sent to the credit reporting agencies on July 27, 2015, and the process for the credit reporting agencies to complete the updating of that information can take up to thirty (30) days. The numbers to each of the credit reporting agencies are listed below for your convenience. [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-####   If I could be of further assistance to you, please call me at ###-###-#### or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Beth H. Office of the President

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.   There is $13,000.00 in dispute. The vendor only provided documentation for $35.00 worth of charges. Where is the balance of the documentation that I requested? The vendor is in violation of the provisions of the Fair Credit Billing Act by not investigating this matter and providing me with said documentation. If the vendor had any intentions of suing me for this amount, they would have done so by now. They know they are wrong, that is why they have not. I have adequate documentation to present if this matter ever goes to court requesting backup documentation again and again from the vendor with no results on their part.
Regards,
[redacted]

[redacted] Date: July 26, 2016 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, regarding your...

installment loan. Thank you for taking the time to document your thoughts and concerns. We have completed our review of the payment history for your installment loan. Our review determined that the increase to your monthly payments resulted in your inability to provide proof of auto insurance for the vehicle. Because the Bank did not receive proof of insurance for your automobile, the Bank force placed an insurance policy to cover the collateral. I have enclosed your loan closing documents stating you are required to provide proof of insurance to the Bank. Failure to provide proof of insurance, forces the Bank to purchase insurance on the collateral. According to the Security Agreement and Agreement to Furnish Insurance document states, if you fail to obtain, or maintain this insurance, or name us as loss payee, we may obtain insurance to protect our Interest in the Property. We will notify you if we do so. This insurance may be written at a rate higher than a rate you could obtain if you purchased the property insurance required by this Contract. For your most recent lapse in insurance coverage, the Bank notified you three (3) times requesting proof of insurance for this vehicle. I have enclosed all three (3) letters mailed to you in 2015. Please use these notices as verification that the Bank contacted you about providing proof of insurance to the Bank. I have also enclosed a copy of the insurance policy prepared on November 6, 2015. Please note the dates on the policy are from September 7, 2015, to September 7, 2016. Our research has confirmed that this policy has not been cancelled. You have not provided the Bank proof of insurance coverage from September 7, 2015, to March 18, 2016. The premium charged for this lapse of insurance is $923.00. If you can provide proof of insurance coverage from September 7, 2015, to March 18, 2016, your installment loan payment would be reduced to your original monthly payment. The requested documentation can be mailed to the following address: Fifth Third Bank Office of the President Attention: Patrick S. Mail Drop: 1MOCOP Cincinnati OH 45263 For your records and verification, I have enclosed your note and payment history for your installment loan. Please note the interest rate for your installment loan has not changed. As mentioned above, the Bank has placed insurance on your loan on two (2) occasions. The first force placed insurance policy was on August 6, 2015. The premium amount was $1,796.00. The premium was rebated to $1,479.00 when you provided proof of insurance for your installment loan. The amount owed for the first premium after the rebate was $290.00. The premium has been satisfied by the following payments: * September 1, 2015, $42.33 of your payment was applied to your insurance premium. * October 1, 2015, $15.67 of your payment was applied to your insurance premium. * October 23, 2015, $29.00 of your payment was applied to your insurance premium. * November 23, 2015, $29.00 of your payment was applied to your insurance premium. * December 28, 2015, $92.30 of your payment was applied to your insurance premium. * March 4, 2016, $184.60 of your payment was applied to your insurance premium. Please note the March 4, 2016, payment overpaid your insurance premium by $102.90. Upon receiving your complaint, we contacted the installment loan cashiering department who has re-applied this payment to your second force placed insurance premium. On December 11, 2015, the Bank purchased another insurance policy when you failed to provide proof of insurance. As noted in paragraph three (3) the lapse of insurance from September 7, 2015, to March 18, 2016, remains on your installment loan. The premium for the second insurance policy was $1,754.00; however, when the Bank received proof of insurance beginning on March 19, 2016, the premium was rebated $831.00. The amount owed on the second premium was $923.00. Your recent installment loan payments have satisfied a portion of this premium. The following payments have been applied to your insurance premium: * December 28, 2015, $12.38 of your payment was applied to your second insurance premium. * March 4, 2016, $264.52 of your payment was applied to your second insurance premium. * Additionally, the $102.90 overpayment from the first insurance premium was applied to your second insurance premium. * March 25, 2016, $104.78 of your payment was applied to your second insurance premium. * April 25, 2016, $79.82 of your payment was applied to your second insurance premium. * May 25, 2016, $92.30 of your payment was applied to your second insurance premium. * June 29, 2016, $210.63 of your payment was applied to your second insurance premium. With the adjustment dated March 4, 2016, the balance owed on your insurance premium is $61.87. This payment amount is included on the balance owed for your July payment. Your payment of $550.96 was due on June 25, 2016. The Bank received your payment of $275.00 on June 29, 2016. The Bank did not receive another payment within the ten (10) day grace period on your loan. The past due amount of $275.96 was added to the amount due on July 25, 2016. Including the past due payment, and the $9.32 late charge, the amount due by July 25, 2016, is $836.24. Assuming you make the full payment by the end of your ten (10) day grace period, your payment due August 25, 2016, will be $550.96. Assuming you make the regularly scheduled payments, your installment loan payment will be $243.29 beginning with your payment due September 25, 2016. In the interest of customer service, the Bank has agreed to reverse the two (2) late charges assessed to your account in June and July 2016. The $18.32 credit posted to your installment loan on July 26, 2016. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused. 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: Payment history, Note, Proof of Insurance Letters, Insurance Policy

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[redacted]           Date:  March 13, 2015         Account: ...

[redacted]  Re: Essential Checking Account   Dear [redacted]:  We received a copy of the complaint you submitted to the Revdex.com regarding your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. I am sorry if you did not receive any follow-up when you previously contacted the Bank. When you opened your Essential Checking account ending in [redacted] on September 4, 2014, we were running our [redacted] promotional campaign. If you opened a new account between July 28, 2014, and October 17, 2014, new customers would receive a $150.00 cash bonus, and Fifth Third Bank would make a matching $150.00 donation to [redacted]. The stipulations of this offer were that a direct deposit transaction and three (3) online bill payments using Fifth Third Bank’s Online Bill Payment service had to post to your account within ninety (90) days of the account opening.  It is our understanding that after we received your complaint you spoke with [redacted], Financial Center Manager, at the [redacted] Banking Center. As he explained, you did not qualify for the $150.00 cash bonus because the bill payments that posted to your account were set up as web transfers, not through Fifth Third Bank’s Online Bill Payment service. However, it was certainly not our intention to cause you any hardship. In the interest of customer service, we have enclosed a check in the amount of the [redacted] promotional cash bonus offer for $150.00. I hope this letter meets your satisfaction and resolves your needs.  Thank you for your patience while waiting for a response. We regret that you felt the need to close your account, and we certainly hope you will reconsider using Fifth Third      Bank for your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely,[redacted]Consumer Resolution Specialist Office of the President  Pc: Revdex.com  Enclosure:  $150 Promotional Funds Check