Fifth Third Bank

[redacted] Date: May 24, 2017 Account: [redacted] Regarding Your Cashier’s Check Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding a cashier’s check for [redacted]’...

checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please accept my condolences for your loss. On behalf of the Bank, please accept my sincere apologies for the difficulties you encountered while trying to obtain a replacement cashier’s check for [redacted]’ checking account ending in [redacted]. We strive to provide exceptional and timely service, and I am sorry that was not your experience. Please be assured we researched this matter thoroughly 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. After receiving your complaint, we reached out to senior management in the [redacted] region. We were informed that you obtained the replacement cashier’s check number 2[redacted] in the amount of $732.58 at the [redacted] Banking Center on May 22, 2017. We regret the delays in issuing the replacement check. I hope this letter meets your satisfaction and resolves your needs. Thank you for your patience while we conducted our research. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted]
[redacted]Date:      March 9, 2015Account: [redacted]Re: Collection Calls for Mortgage LoanDear [redacted]:We received a copy of the complaint filed with the Better...

Business Bureau regarding the telephone calls you have received for your Fifth Third Bank mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter.We would like to offer our sincere apologies for any inconvenience this matter may have caused you. Please be assured that Fifth Third Bank takes your feedback regarding your experience very seriously, and I have contacted the relevant parties to pass on your concerns. We strive to provide outstanding service to our customers, and I regret if the service you received did not meet the same high standard.Your mortgage loan is considered past due for payment if we do not receive your total monthly payment by the due date, which is the first of each month. The final calendar day of your fifteen (15) day grace period is not considered the due date for your payment obligations. The grace period indicates when a late charge will actually be assessed to your loan for a past due payment. During that time, our Collection Department will attempt to notify you via the telephone numbers we have on file for you in an effort to obtain a payment or to arrange suitable payment arrangements. It was certainly not our intention to cause you any undue hardship and we sympathize with the frustration these phone calls may have caused you.Due to your comments, we have removed your telephone numbers from our systems and you will no longer receive telephone calls should your loan become delinquent. Please note that this will not stop other collection activity on the account should it become delinquent. This activity might include late charges, reports to the credit bureaus should the account become greater than thirty (30) days delinquent, or foreclosure proceedings.You may wish to consider using Auto BillPayer. Auto BillPayer enables you to have payments automatically deducted from your checking account each month on the due date or any date within the grace period. This will eliminate the need to make online payments or mail your mortgage payments. If you are interested in signing up for Auto BillPayer, please contact our Auto BillPayer Department at ###-###-####. If you utilize Auto BillPayer and a payment date is setup every month during the grace period, our Collection Department will not contact you during the grace period.[redacted], I understand your frustration we appreciate 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 can be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####.Sincerely, [redacted]Consumer Resolution Specialist Office of the President

[redacted] [redacted] [redacted] [redacted] Date: April 20, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received copies of the complaints you submitted to the Revdex.com and [redacted] [redacted]...

[redacted] regarding your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that we researched this matter thoroughly 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. Our records show that you accepted Overdraft Coverage for Automated Teller Machine (ATM) and everyday debit card transactions on January 5, 2017 at 4:03 PM from your Mobile App. We have verified the IP address used for that transaction and confirmed this is an IP address you log in with frequently. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides information regarding the fees assessed to your account, Overdraft Protection options, and Overdraft Coverage options. You have the ability to change your Overdraft Coverage preferences for ATM and everyday debit card transactions online at 53.com, at any Fifth Third Bank banking center, or by calling customer service at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET On March 23, 2017, the beginning balance in your checking account ending in [redacted] was $311.12. Five (5) debit items totaling $419.57 posted to your account resulting in a negative ending balance of ($108.45). Due to insufficient funds for one (1) of the debit items an overdraft fee of $37.00 was assessed and posted to your account the following business day. On March 24, 2017, a direct deposit posted to your account bringing it to a positive balance. On March 31, 2017, the beginning balance in your checking account was $106.56. Three (3) debit items totaling $114.60 posted to your account resulting in a negative ending balance of ($8.04). Due to insufficient funds for one (1) of the debit items an overdraft fee of $37.00 was assessed and posted to your account the following business day. On April 3, 2017, your account had a negative beginning balance of ($8.04). Twelve (12) debit items totaling $169.83 posted to your account resulting in a negative ending balance of ($177.87). Due to insufficient funds for ten (10) of the debit items overdraft fees totaling $370.00 were assessed and posted to your account the following business day. On April 5, 2017, your account had a negative beginning balance of ($547.87). Four (4) debit items totaling $68.83 posted to your account resulting in a negative ending balance of ($616.70). Due to insufficient funds for all four (4) debit items overdraft fees totaling $148.00 were assessed and posted to your account the following business day. On April 6, 2017, two (2) online transfers were credited to your account bringing it to a positive balance. I have enclosed copies of the overdraft notices we sent to you for each overdraft occurrence. We also reviewed your Internet Banking alerts. Due to age, we are unable to see the alert activity going back to January 2017. However, our records show that you updated your alert settings on April 10, 2017. You have alerts set via email and our Mobile App to inform you of when your balance is less than $5.00 and when overdraft notices are available to view on 53.com. It was certainly not our intention to cause you any hardship. Our records show that we waived overdraft fees totaling $148.00 within the past twelve (12) months. Because these fees were not assessed in error, we are unable to waive any additional fees per our bank policy. Thank you for your patience while we researched this matter for you. We truly value your business and regret that you feel the need to close your account. We certainly hope you will reconsider this decision and allow Fifth Third Bank to continue servicing your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com, [redacted] Enclosures: Overdraft Notices, Overdraft Solutions Document

Re: Disputed charge on checking accountDear [redacted]We
received a copy of your complaint recently filed with the RevDex.com, regarding the fraudulent transaction on your checking account. We
appreciate the time you have taken to express your thoughts and...

concerns.
Please be assured that Fifth Third Bank takes your feedback seriously, and I
appreciate the opportunity to respond to your concerns.Per
the Rules and Regulations Applicable to All Fifth Third Accounts and Cards
(Page 24), that you received when you opened the account, to dispute a transaction
on an account you must file a dispute with the Bank. Once you file the dispute,
it is sent to our Dispute Department for research. This research can take seven
(7) to ten (10) business days to complete. When the dispute is complete, we
will then mail a letter to the address on file indicating the resolution. I
have enclosed a copy of the Rules and Regulations for your record. If we return
the dispute in your favor, any applicable overdraft fees would be reversed at
that time.After
a thorough review of your account, I believe the debit you refer to in your
complaint is a PayPal debit on March 2, 2015, in the amount of $430.00. You
indicated in your complaint that you did not authorize this transaction and
have faxed the paperwork in multiple times. I have verified with our disputes
department that a fraud case was opened on March 25, 2015, and is currently in
process. A Case number has been assigned to your dispute. That Case number is
[redacted]. At any time during the dispute process, you may call the Disputes
Department at [redacted] with questions. Additionally, I was able to verify
that they have received a copy of your paperwork and it is on file while they
complete their investigation. Provisional credit was processed and posted to
your account on March 27, 2015. On behalf of the Bank, please accept my sincere
apologies for any inconvenience the delay in resolving this matter has caused
you. We strive to fully research any transactions you dispute in as timely a
manner as possible and I sincerely apologize for the difficulties you have
encountered.Please
be aware that if our research supports your dispute, the provisional credit
issued to your account will become final and any related overdraft fees will
also be reversed. However, if our research does not support your dispute or if
we receive proof that the transaction was legitimate, we are not willing to
issue a credit or reimburse you for any related overdraft fees.The provisional
credit will remain on your account while we further investigate the charge,
which can take up to ninety (90) days. At that time, if we do not find the
investigation in your favor, we will remove the provisional credit from the
account.Mr.
and Mrs. [redacted], please be assured that it was not our intention to cause you
any undue hardship and we regret the difficulties you encountered regarding
your checking account. You are a valued customer and we look forward to
assisting with your financial needs in the future. If I could be of further
assistance to you, please contact me directly at [redacted] Monday through Friday, 8 a.m. to 6 p.m., ET.

[redacted] Date: February 22, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: Thank you for contacting the Bank concerning the information reporting on your credit report for...

your Fifth Third Bank installment loan account. We appreciate the time you have taken to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced. Our records show that a payment of $475.51 received on October 26, 2015, satisfied the payment due on October 18, 2015. No payment was received in November 2015. We were notified that the vehicle was a total loss on December 1, 2015. At this time the account was past due for the November 18th payment. Our records confirm that a payment of $20.24 was received on December 17, 2015, and a payment of $0.69 was received on December 24, 2015. Since the minimum payment amount listed on www.53.com did not include the past due portion of the payment due for your installment loan account, we have submitted an update to all of the credit bureaus to remove the delinquencies reported for December 2015. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### It was not our intention to cause you any hardship, and we apologize for any inconvenience this matter might have caused you. 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

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'm still very dissatisfied with 53rd Bank.  They could care less about their customer satisfaction. Do they think an apology is  going to make this a better situation?  They apologized day after day, week after week, month after month while I called to try to get information on my loan. This went on for 4 month. They could care less that I waited 4 months and wasted my savings. Then I was denied for a home loan.  A home loan is a valuable investment.  How dare they continue to make up excuses on why it took 4 months to decline my loan. No company can stay in business that way. No seller is going to let you take 4 months to close on a house. No real estate company is going to sign a contract for 4 months either. The bank here in [redacted] is no longer 53rd Bank.  It's been bought out by [redacted].  It's no wonder they couldn't stay afloat here in [redacted].  What a joke!Sincerely,[redacted]

[redacted] Date: January 30, 2016 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the follow up letter you sent to the Revdex.com regarding your vehicle installment loan. 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. 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. Please be aware that the Bank processes installment loan payments as soon as we receive them. In regards to your statement that the Bank has taken an excessive amount of time to process your loan payments, our review of the payment history does not show any evidence of this. If you have specific documentation or examples where we have held a payment for any length of time after the payment was received, please provide details of this and we will investigate and make any necessary corrections. Please send the requested information to the address or fax number contained in this letter. Being told by representatives of the Bank that it can take three (3) to five (5) business days for a payment to post to your loan is not inaccurate. From the time that a payment is mailed to the Bank to when the payment is received and processed, would typically be about three (3) to five (5) business days. Additionally, after a payment is received and processed by the Bank, it is reflected in our systems and is able to be seen by a representative of the Bank upon reviewing the payment history on the account. As was stated in my previous response to you on January 13, 2016, if you have documentation showing that any late payment received by the Bank was received before the loan was past due for payment, please send it to us and we can determine if the negative information that was reported to the credit reporting agencies can be corrected. Please send the requested documentation by mail to the following address: Fifth Third Bank Attn: Adam P. Office of the President 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. [redacted], we strive to provide professional and accurate service to all of our customers, and we regret if this has not been your experience. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P. Office of. the President PC: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
Regards,
[redacted]
I seen the mistake that was made I contacted the company for 5 days when I received email about bill payment they stated that they didn't see what I was saying because of this they took out almost 75.00 saying that I had  negative balance when payment where coming in and payment was going out I had to go to bank ask the representative to call and stop payments too many payment had been made going to [redacted] and [redacted] they did nothing to help stop payment when requested After asking the company for my money back still left me with negative balance that I had to because NO ONE HELP ME WHEN I TOLD THEM BEFORE THEY TOOK THE MONEY OUT they didn't care or see that company was receiving to much money which made my account negative they allowed these payment go out cause money was there  did not monitor the payment as why they were paying the company 4 time I had to pay for the mistake that could be handle  I have to close my account because they don't monitor my money  when in  3 weeks I had over  2600 in my account money was coming into my account daily and weekly they was paying to close attention to sending the money out 5 to 8 days later payment was posting to late  my funds are not available until next business day which would be go without money all weekend Nope this not suitable for me when my money hit my account it should be available that day

[redacted]Date: August 21, 2015 Account: [redacted]Regarding Your Checking AccountDear [redacted]:We received a copy of your complaint filed with the Revdex.com, regarding the disputed Point Of Sale (POS) transaction that...

posted to your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter.Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter 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.When disputing Personal Identification Number (PIN) or POS based transactions on your Enhanced Jeanie debit card, we strive to resolve the dispute in as timely a manner as possible. Please be aware that if our research supports your dispute, any provisional credit issued will become final and remain in your account. However, if our research does not support your dispute the provisional credits will be debited from your account. After we have completed our investigation, a final resolution letter will be sent to you detailing our findings.On June 29, 2015, a POS transaction from [redacted] in the amount of $287.12 posted to your checking account. On July 8, 2015, you contacted the Bank to initiate a dispute for the [redacted] item since you indicate the online purchase was cancelled on your end and did not go through. We immediately opened an investigation and submitted a chargeback request to [redacted] in order for them to credit the funds to your checking account. Therefore, a provisional credit from the Bank for $287.12 and a POS adjustment from [redacted] in the amount of $287.12, both posted to your account on this day. On July 10, 2015, the Bank’s provisional credit for $287.12 was debited from checking account in order not to duplicate the POS adjustment credit from [redacted].During our investigation, the merchant indicated the transaction was valid and represented the POS transaction in question to your checking account on July 31, 2015. As a result, your dispute was denied and a notification letter was sent to the address on file at that time.We sympathize with the difficulties you have encountered regarding the denied POS dispute. However, our position on this matter has not changed and we are not able to credit your checking account for the [redacted] transaction. Therefore, you will need to work directly with the merchant in order to further pursue a refund for the item in question.[redacted], please be assured that it was not our intention to cause you any hardship and frustration. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,Danielle S.Office of the PresidentPc: Revdex.com

February 26, 2015 [redacted] 
[redacted] RE: Cash Advance Interest Rate on Credit Card Service charge on savings account Dear [redacted]: We received a copy of the complaint sent to the Bank on your behalf from the Better...

Business Bureau regarding the Cash Advance Interest Rate on your Secured Credit Card, as well as the service fee on your savings account. We appreciate the opportunity to respond to this matter, and we sympathize with the experience that this issue has had upon you. Your savings account, ending [redacted], was initially set up as a Goal Setter Savings Account. The terms of the account indicate: No monthly service charge if one of the following is met: ? You have a Fifth Third checking account (all owners of your savings account must also be listed as owners of any Fifth Third checking account) ? You maintain an average monthly balance of $[redacted] or more ? You are a minor, or someone under age 18 is an owner of the account ? You are enrolled in Fifth Third Military Banking Otherwise, there is a $* per month service charge. The monthly service charge is waived for the first six months (185 days). When the terms of the account were not met, the account began to be assessed the $[redacted] service charge. As of November 10, 2014, your account was switched into a Relationship savings account being used as security for your Secured [redacted] ending [redacted]. The Secured Credit Card issued to you, ending 2353, has had a cash advance interest charge posting to the monthly statement since September 15, 2014. On August 17, 2014, you made a payment to [redacted] 
[redacted] with your Secured [redacted]. The payment was processes through [redacted] which is processed as a cash advance. I am sorry if that was not understood by you when you initiated your payment. Fifth Third Bank, Member [redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Our Collections department has reached out to you a number of times for payment on your credit card. Fifth Third works to maintain our customer’s credit standing and will call to remind individuals of unpaid and overlooked payments. If a call is not answered, our automated system will continue to call until contact is made. This is done to remind customers of their monthly obligations to their credit card. To stop these calls, a payment to satisfy the minimum payment on your card would need to be made, or a written request including your signature would need to be received by Fifth Third Bank. It is understandable that you are frustrated with not being able to receive an answer the first time you asked about the cash advance charges or about why you began to receive a charge on your savings account. Please keep in mind that on time payments on credit cards are necessary to keep one’s credit in good standing. If you do choose not to make payments on your card, that information is forwarded to the credit bureaus and will show as negative reporting for you. Thank you for your patience while we researched this matter for you. You are a valued customer, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at [redacted] . Sincerely, [redacted] Consumer Resolution Specialist Office of the President

I took the documents ach stop payment documents from the companies that were drafting my account to the [redacted] branch. The branch or "Heather" refused to take the documents.  This was before I had to close my account.  Once I got someone on the phone who said it was a  simple fix  to just change the account number, that's when I closed the account.  Her name was Michele.  She said everything would stay the same, just different account.  No one told me before I closed this account that I could not have my account status as before free E Access.   I have the stop draft documents but I do not know how to upload to the computer and , this say's I have only thirty minutes to send or I could find a way.  This Heather and the gentleman at the branch were very rude to me when I tried to give them these documents.  Of course the bank is going to back their employee's that's what they do.  I used to work for ##### #####, so I know.  I tell you what I will do. I'll just put this out on Social Media like everybody else does and see what the public thinks.  I'll use names too.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. the letter and the declaration page have been faxed to that direct number 3 times I personally faxed it from a UPS store once. Plus the issue with not being able to file a claim with the insurance they forced on me in march for damage done to my car in Janurary which they charged after the date had already passed has not been addressed either. I stand by my rejection. 
Regards,
[redacted]

Good afternoon,We received the rebuttal sent by [redacted] regarding our response to her complaint. We determined we addressed her concerns already in our prior responses and there will be no further changes. For this reason, we will not be submitting an additional response to her rebuttal complaint. Please close the complaint.Thank you, Shawna H.

[redacted] Date: September 30, 2016 Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your mortgage loan account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. I understand per your complaint that you mailed a payment for your mortgage loan on May 10, 2016, that was not received by the Bank timely. I reviewed your account and confirmed that we did not receive a mortgage payment in May 2016. The payment due for May 1, 2106, was processed on April 18, 2016. Therefore, your account was then due for June 1, 2016. When we did not receive the payment for June 2016, our Collection Department began calling you on June 17, 2016, using the phone number on file to notify you of the delinquency. We also sent a late payment notice to you on June 16,2016. However, we were unable to speak to you until you called the Bank on July 6, 2016. We did not receive payment for the June 2016 due date until July 1, 2016. It was processed on July 5, 2016, but was backdated to July 1, 2016. The funds covered the payment due for June 2016. Because the funds were received more than thirty (30) days after the due date, the delinquency was reported to the credit reporting agencies. You called into the Bank on July 6, 2016, and advised you mailed in another payment for the account. You asked if we would waive a late payment fee, but the agent you spoke to advised there was no late fee assessed. The agent also discussed setting your account up online so that you could make payments online to avoid a lost payment in the future. Based on our review of the phone call, you asked if there was going to be a fee from your credit union for paying the loan online through our website. There is no fee from Fifth Third Bank to make your mortgage payment online at 53.com. We did not identify any discussion of your credit report or removing your late payment. We also do not have any other record of a Bank employee advising you that the late payment for June 2016 would be removed. We received your next payment on July 8, 2016, which covered the July 1, 2016, due date. Listed below are the payments we received for the account since that time: ** $1,263.74 on July 29, 2016: Covered the payment due on August 1, 2016 ** $1.263.74 on August 19, 2016: Covered the payment due on September 1, 2016 ** $1,263.74 on August 26, 2016: Principal only payment ** $1,263.74 on September 16, 2016: Covered the payment due on October 2016 Please note that it does not appear we received the check you sent in May 2016. Enclosed for your review are copies of all the payment checks we received for the mortgage from April 2016 through September 2016. The April 2016 check number was 620. The next check we received in July 2016 was check number 622. Each payment received after that had the next check number in the sequence, and none had the date written on top for May 2016. We have not received check number 621. You may wish to contact your financial institution to report the check as lost. If we receive the check in the future, we will attempt to process it. If there is a stop payment on the check, we will reverse it off your mortgage loan account and a returned payment fee may be assessed. If this happens, please contact me directly using my phone number listed below and I will waive the fee from your mortgage. On July 6, 2016, you were advised that no late fees were charged to your account. Unfortunately, this information was not correct. A $33.90 late payment fee was paid out of your July 1, 2016, mortgage payment. Please be assured that I waived the fee on September 14, 2016. We applied the $33.90 as a principal only payment. We verified that the late payment listed on your credit report is accurate. Fifth Third Bank complies with the Fair Credit Reporting Act (FCRA) to report accurate account information. Because there was not a Bank error that caused the June 2016 payment to be processed late, we are unwilling to remove the delinquency from your credit report. I apologize for the distress this may cause you. As of September 27, 2016, your mortgage loan is current and the next monthly payment is due on November 1, 2016. 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 Enclosures: Late Payment Notice, Check Images (7)

[redacted] 
[redacted] 
[redacted] Date: May 5, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the Revdex.com complaint filed by your sister, regarding your checking...

account ending in [redacted]. We appreciate the time she has taken to express her concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience these matters may have caused you. It is certainly not our intention to cause you any hardship. Fifth Third Bank takes claims of discrimination very seriously and does not service customers based on race, color, religion, national origin, sex, marital status, age, disability, familial status, or the receipt of public assistance. Customer service is of the utmost importance to all of us at Fifth Third Bank. Fifth Third Bank takes protecting financial and personal information very seriously. I confirmed that our Disputes Department opened a case on March 31, 2016, because you stated that your checking account was opened and accessed without your authorization. The case number is [redacted]. While we strive to resolve all investigations as quickly as possible, please allow up to sixty (60) days for the investigation to be completed. Final written confirmation will be sent to you from the Disputes Department. In addition, the Disputes Department will submit any necessary updates to the credit bureau reporting agencies. If you would like to follow up with them directly, they can be reached toll-free at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. We strive to provide professional and accurate service, and I apologize for any inconvenience this may have 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, Elizabeth J.Office of the President

[redacted] [redacted] Date: March 9, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com. 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. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. It was certainly not our intention to cause you any hardship. Fifth Third Bank takes your feedback seriously, and I want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately; the remaining funds will be made available on the next business day. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday, or a Federal Holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal Holidays. Deposits received after certain cut-off times may be credited as of the next business day. In some instances, we reserve the right to place a hold of a longer period of time on a deposit. The full amount of the deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the 7th (seventh) business day after the day of your deposit. For your convenience, I have enclosed a copy of our Rules and Regulations, which you received upon opening your account. Please refer to pages eighteen (18) and nineteen (19), which provide additional information regarding funds availability policy. On February 22, 2016, you deposited a check not drawn on a Fifth Third account in the amount of $4,063.92. A hold was placed on this deposit due to the repeated overdrafts that had occurred on your checking account. In the six (6) months prior to this deposit, your account had become overdrawn on four (4) occasions. Because your deposit was not made in person, we were unable to notify you at the time of the deposit that there would be an extended hold on the funds. The hold was in fact placed systematically based on the information received at the time of deposit. For this reason, we mailed a notice to you at the address listed above on February 23, 2016, that notified you of the hold that we placed. The notice explained that the $4,063.92 would be on hold and would become available to you on March 2, 2016. I have enclosed a copy of the hold notice for your convenience. I would like to assure you that the hold placed on your deposit was not intended to cause you any hardship. Your checking account did not become overdrawn during the timeframe that the hold was in effect and no overdraft fees were assessed to your account. Fifth Third Bank is a financial services company committed to serving the banking needs of our community. Our research indicates that our customers appreciate the flexibility and convenience of our Early Access product in situations where they need funds quickly and they do not have access to less expensive forms of credit. We work hard to provide our customers with easily accessible information about this product and its alternatives so that they can make informed decisions. Early Access allows eligible and enrolled customers to borrow funds in advance from their next direct deposit on their checking account with a transaction fee of $1.00 for every $10.00 advanced to your checking account. Early Access is designed to help our customers meet their short-term borrowing needs. It is not intended to provide a solution for longer-term financial needs. We offer other forms of credit with competitive and lower interest rates that are more suitable for longer-term financial needs including our credit card or installment loan products. When you use Early Access, the account must have direct deposits greater than $100.00 made into it to use the program. The Bank will debit the amount owed out of your next direct deposit greater than $100.00 to repay the advance. If you cancel direct deposit or it is less than $100.00, you have thirty-five (35) days from the date of the advance to make the payment. If payment is not made by the end of the 35th day, the Bank will debit the outstanding advance balance owed. I have enclosed a copy of the Early Access Terms and Conditions for your record. On February 29, 2016, you advanced $500.00 from Early Access to your checking account due to concern about your account becoming overdrawn. It is important to ensure your accounts have enough funds to cover the transactions you have authorized. However, we sympathize with the difficulties you encountered. Therefore, in the interest of customer service, we have reversed the $15.00 fee you were charged for that Early Access advance. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. [redacted], thank you for your feedback and patience while waiting for a response. We strive to provide professional and accurate information to our customers and we regret the difficulties you encountered. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C. Office of the President Enclosures (3): Rules and Regulations Deposit Hold Notice Early Access Terms and Conditions

[redacted]     Date: March 11, 2016     Account:    [redacted]Regarding Your Fifth Third Bank Real Life Rewards [redacted]Dear [redacted]: We received a copy of the follow up complaint you...

filed with the Revdex.com, concerning your Real Life Rewards [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. Your original complaint was filed on January 25, 2016. We received your follow up complaint on February 29, 2016. However, we stand by the response conveyed to you in the previous letter sent on February 17, 2016.Your comments expressing less than quality customer service are very concerning. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. We sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to us. Feedback like yours helps us identify problems and improve the level of service we provide to our customers. Please be assured that the relevant parties have been contacted to express your dissatisfaction with the service you received.Although the Bank has received and processed payments from [redacted] on your behalf since March 2015, the Bank did not receive a proposal for your account until December 14, 2015. The payments were mailed to our standard credit card payment address. The payments were not processed as part of an agreement negotiated by [redacted] on your behalf. On December 14, 2015, the Bank received a proposal from [redacted]) regarding a payment plan for your credit card account. On December 15, 2015, the Bank was contacted by Krystal, from [redacted], regarding the proposed payment plan. During that conversation, Krystal was informed that the account in question ([redacted]) was not a valid account number. Our agent suggested to Krystal, that the card might be your credit card ending in [redacted]. The Bank rejected the initial proposal on December 15, 2015, because the account number was not a credit card account.On December 17, 2015, the Bank received an offer of $44.00 payments toward your debit card account ([redacted]). The Bank faxed a counter-offer to Krystal at [redacted] for a payment of $52.00 on the correct account ending in [redacted]. On December 22, 2015, the Bank received an offer for the correct account number ending in [redacted] with monthly payments of $52.00. The Bank accepted this payment plan. The first payment of $52.00 was due on January 20, 2016. The Bank has lowered your interest rate to a fixed rate of 5.99%. Please use the enclosed statements as verification of the lower interest rate beginning with your statement dated December 24, 2015.Please note, the Bank did receive a $49.40 payment on January 11, 2016. This is the last payment made toward your credit card account. It should also be noted, the total late charges on your account are $375.00.  As we explained in our previous response, you were charged a late fee because you failed to make the minimum payment by the due date on your credit card statement.  The following fees correctly posted to your credit card account:• $25.00 fee o January 22, 2015• $35.00 fee o February 24, 2015o March 24, 2015o April 24, 2015o May 22, 2015o June 22, 2015o July 22, 2015o August 22, 2015o September 22, 2015o October 22, 2015o November 24, 2015It was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matter. You are a valued customer and we hope you will allow us to serve 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, Patrick S.Office of the PresidentPC: Revdex.comEnclosure: Credit Card Statements

[redacted] Date: December 23, 2015 Regarding Your Recent Call to the Bank Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your recent call to the Bank about [redacted] credit card 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 condolences for your loss. I am sorry for for the level of service you received when you contacted the bank regarding your father’s credit card account on December 16, 2015. Please be assured that Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your complaint, we researched this matter and reviewed the recordings of the calls. I want you to also know that customer feedback is reviewed by our senior management as part of our ongoing commitment to improving our customers’ satisfaction. However, I cannot inform you of any specific internal actions that may have been taken at this time. 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

[redacted] Date: October 13, 2015 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received your rebuttal to our initial response to your complaint filed with the Revdex.com, concerning your installment loan payments. We appreciate the time you have taken to express your concerns regarding this matter. Your original complaint was filed on September 24, 2015. We received your follow up correspondence to our response on October 6, 2015. However, we stand by the response conveyed to you in the previous letter sent on October 2, 2015. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. As mentioned in our original response, on September 24, 2015, the Bank received a check from [redacted], your insurance company, in the amount of $25,077.82. On the date this payment was received, the balance owed on your vehicle loan was $27,213.05. Therefore, the payment from the insurance company was not sufficient to pay off your loan in full. A principal balance of $2,135.23 remained owed on the loan after the payment from your insurance company. Since your loan balance was not paid in full the loan remains open with a balance owed. The total loss of your vehicle did not exempt you from making the required monthly payments since we did not receive sufficient funds from your insurance company to pay off the loan. On October 2, 2015, the Bank did receive your $435.37 payment toward your installment loan. Your next scheduled payment was due on October 3, 2015. According to the [redacted] policy agreement, your policy covers the difference between the financed balance on your loan contract and the vehicle’s actual cash value should it be deemed a total loss. However, this [redacted] policy does not include coverage for unearned finance charges, any past due payments, or penalty fees, including late charges, ifremained unpaid on the loan. As of October 9, 2015, the Bank has not received a payment from your [redacted] insurance claim. Please not you may have a final payment due after your [redacted] insurance is received by the Bank. If you have questions regarding your total loss claim, please contact the Plan Administrator. [redacted] can be contacted at ###-###-####. I have enclosed a copy of your signed Total Loss Protection Addendum for your convenience and records. 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 contact me directly at [redacted], or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President Enclosures (2): Previous Response Letter, Total Loss Addendum

[redacted]Date: March 13, 2017Account: [redacted]Regarding Your Balance...

Transfer PaymentDear [redacted]:We received a copy of the complaint you submitted to the Revdex.com regarding the balancetransfer payment for your Fifth Third Bank Cash Rewards [redacted]. We appreciate the time you havetaken to express your concerns regarding this matter. Your feedback is very important to us as it allowsus to better understand how we can improve our service to you.On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration thismatter may have caused you. We received the balance transfer payment of $1,787.00 on January 27,2017; however, we posted the payment to your mortgage loan ending in [redacted] in error. On February 23,2017, we reversed the payment from your mortgage loan and applied it to your Cash Rewards[redacted] ending in [redacted]. I am sorry for the delay in locating the missing payment. I hope this lettermeets your satisfaction and resolves your needs.As of March 9, 2017, there is a credit balance on your Cash Rewards [redacted] in the amount of$677.52. If you would like for us to return the funds to you, please let us know if you would like for us tosend you a check, or if you would like for us to transfer the credit balance to your Fifth Third Bankchecking account. You may call me at either number below, and I will be happy to assist you. Please alsonote that if the credit balance remains on your account for two (2) statement cycles the funds willautomatically be returned to you via check.Thank you for your patience while waiting for a response. It is a well-known fact that no business cansurvive without its customers, and we want to assure you we truly value your banking relationship with us.If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,Elizabeth D.Office of the PresidentPc: Revdex.com