Fifth Third Bank

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.  
[AS I stated I was told my loan due date was he 28th and even if the paperwork states something different I spoke with two representatives on two separate occasions about making my payment due on the 28th, which that being the case I have never been 15 days beyond the 28th of the month with any of my payments.  my payments are made by my bank and I can show my payments are made on the 28th.  They maybe be a day or so in posting to my account but never 15 days beyond the due date.]
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. 
[I need to know someone works for you can submit a credit  card application for a client without their approval. Also to submit an application you have to enter the SSN, is that means my SSN available to your employee .]
Regards,
[redacted]

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.  We accept the offer, but the bank told me they were sending the check last week, but no check has arrived yet.
Regards,
[redacted]

[redacted] Date: December 5, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your installment loan account. We appreciate the opportunity to further address your concerns. On behalf of the Bank, I apologize for the frustration this situation has caused you. However, we stand by our previous correspondence dated November 21, 2016, regarding the insurance payments to your loan. Our position on this matter has not changed. For your reference, I have enclosed a copy of our previous correspondence. Your loan contract states that insurance payments for the account will be used to reduce the balance owed, not that they will be used to cover the monthly payments required per the contract. Fifth Third Bank complies with the Fair Credit Reporting Act (FCRA), which requires that we report accurate account information. Payments received more than thirty (30) days after the due date are reported as late regardless of the delinquent amount. You mentioned a phone call you had with a supervisor in our Collection Department. I am very sorry for the negative experience you had during the phone call. The information you provided has been forwarded to the relevant Bank personnel for review. However, I cannot inform you of specific internal corrective actions that may be taken to resolve this matter. We strive to provide best in class service, and I am sorry that was not your experience. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Enclosure: Previous Correspondence

[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] Date: February 15, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com. I also...

appreciated the recent opportunity to speak with you regarding your mortgage loan. You are a valued customer and I appreciate this opportunity to address your concerns. Per our telephone conversation, the Bank needed a copy of the Certificate of Insurance from your Condo Association in order to update your required insurance coverage amount. This request is being made to comply with newer investor guidelines. I did receive the copy of the Condo Association policy you mailed and our system records have been updated to decrease the required amount of homeowner’s insurance coverage to $299,000.00. While this is not as low as the previously required amount of $283,000.00, I hope that this provides a more positive resolution to your concerns. Please present this letter to your insurance agent to reduce the amount of homeowner’s insurance coverage you recently obtained. It is not our intention to cause you any hardship and I apologize for the inconvenience this matter has caused you. Please know that our executive management regularly reviews customer feedback as part of our commitment to improving our operations. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

[redacted] Date: June 9, 2016 Regarding Your Privacy Opt-Out Request Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your attempts to have your address be...

removed from our mailing lists. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, I apologize for the difficulties you have experienced. It was certainly not our intention to cause you any undue hardship or frustration. Periodically, we reach out to potential customers to make them aware of the excellent banking products Fifth Third Bank has to offer. We understand your desire to no longer receive these mailings and therefore your address has been removed from all of our mailing lists. However, promotional mailing lists are compiled approximately three (3) months in advance so there is the possibility that you could receive some promotional material in the near future that was generated prior to the removal of your name and information. Additionally, you may consider opting out of firm offers of credit from lists supplied by the credit bureaus, under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit that are not initiated by you ("Firm Offers"). The FCRA also provides you the right to "Opt-Out", which prevents Consumer Credit Reporting Companies from providing your credit file information for Firm Offers. You may choose to opt out of receiving offers for five (5) years or opt of receiving them permanently. To opt out for Five (5) years you may call 1-888-5-Opt-Out (###-###-####) or visit www.optoutprescreen.com. To opt out permanently you may begin the permanent Opt-Out process online at www.optoutprescreen.com. You must return the signed Permanent Out-Opt Election form, which will be provided after you initiate your online request. If you do not have access to the internet you may send a written request to permanently opt out to each of the major credit reporting companies. You will need to include your home phone number, name, social security number and date of birth in your correspondence. The addresses to opt out with each company are listed below: [redacted] 
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[redacted] We appreciate your patience while we researched this matter and apologize for any inconvenience this situation 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, Shannon K. Office of the President

Please find below a copy of the letter being mailed to the customer. I have also been in contact with the customer by phone. Thanks.[redacted] Date: December 7, 2016 Account: [redacted] Regarding Your Fifth Third Bank...

Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to hear about the difficulties you have experienced in trying to resolve this matter and we appreciate the time you have taken to document your thoughts and concerns. You notified the Bank that an Automated Teller Machine (ATM) failed to complete your cash deposit for $1,200.00 and it was not credited to your account. Our Disputes Department opened the case number [redacted] and issued a provisional credit of $1,200.00 to the checking account on October 3, 2016. The credit was removed on November 15, 2016, when the ATM was found to be in balance. A notice was also sent to the address above informing you that the dispute was resolved. You contacted the Bank to question this resolution and we have reopened this case. While we strive to resolve all investigations as quickly as possible, it can take up to thirty (30) days for an investigation to be completed. You are a valued customer and 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 seriously and I appreciate this opportunity to respond to 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] [redacted] [redacted] Date: February 1, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com, regarding the...

difficulties you have experienced with your installment loan account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to respond to your concerns. I would like to assure you that our online banking system is not intended to cause you any hardship. Our goal is to provide professional and accurate service to our customers and I am truly sorry if that has not been your experience. We appreciate your feedback as it allows us to continuously improve the level of service provide to our customers. Please know that our senior management regularly reviews customer feedback as part of our commitment to improving our operations. Customers that attempt to make a payment via 53.com can sometimes receive an error of “unable to make payment, call customer service”. This typically occurs when the payment date is today’s date but it’s past cutoff time. When this occurs, you have the option to change the payment to the next business day or another day of your choice. On January 7, 2016, our records indicate that you logged onto our internet site, www.53.com, and accepted the internet banking terms and conditions. During that visit, you set up an external payment source from your non-Fifth Third checking account ending in [redacted]. Unfortunately, our records indicate that setting up your account was the only thing that occurred on that day. Our records do not reflect a payment being scheduled on January 7, 2016, in the amount of $319.70. Because a payment didn’t post to your account to satisfy the January 8, 2016, payment obligation, your account was assessed a late fee in the amount of $15.99 on January 18, 2016. In the interest of customer service, we reversed the late fee and credited your account in the amount of $15.99 on February 1, 2016. We trust this meets with your satisfaction. On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience this matter may have caused you. On January 21, 2016, we received and posted a payment to your installment loan account in the amount of $319.70. This payment satisfied the payment that was due on January 8, 2016. The next payment due on your account is $319.70 by February 8, 2016. For your convenience, I have enclosed a copy of our Internet and Mobile Banking Digital Services User Agreement, which you agreed to when you began using our Internet Banking website. You can view an electronic copy of this document by visiting www.53.com, then clicking on the “Privacy & Security” hyperlink at the top of the page, then clicking on the “About Our Site” hyperlink near the bottom of the page, and then clicking on the “User Agreement (PDF)” hyperlink on that page. If you have any questions concerning where to find this document on our website, please feel free to contact me using the telephone numbers provided at the end of this letter. [redacted], I can assure you that it was not our intention to cause you any frustration or any undue hardship. You are a valued customer, we appreciate your business, and we look forward to serving all of your banking needs in the future. On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this situation may have caused you. If I could be of further assistance to you please contact me at ###-###-#### or toll free ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C. Office of the President Pc: Revdex.com Enclosure: Fifth Third Internet and Mobile Banking Digital Services User Agreement

[redacted] [redacted] [redacted] Date: September 29, 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. To assist you with monitoring your account, our toll-free Telephone Banking system is available twenty-four (24) hours a day at ###-###-####. Our Customer Service Professionals can be contacted at the same telephone number and are available Monday through Friday from 7:00 AM to 8:00 PM Eastern Standard Time (EST), and on Saturday from 8:30 AM to 5:00 PM EST. You can also access your account information at an ATM (Automated Teller Machine), on our Internet Banking website at www.53.com, and on your mobile device through our Mobile Banking service through 53.mobi. Additionally, a free account alert can be sent to up to four (4) e-mail addresses and one (1) mobile device when your account balance falls below an amount that you specify. These alerts can be setup through our Internet Banking at www.53.com. If the available balance in your checking account is not sufficient to cover items that post to your 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 occurrences, the charge is $37.00 per item. On September 16, 2015, your checking account balance was $111.27. A debit card purchase for $14.12 and an ACH (Automatic Clearing House) payment in the amount of $199.00 posted to your account. Your ending account balance was negative ($101.85). Since your checking account balance was not sufficient to cover one of the items that posted to your account, your account was charged one (1) overdraft fee of $37.00 on the next business day. If you have outstanding ACH 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. It is important to ensure that your account has enough funds to cover all of the transactions that post to the account. As a valued customer, we have reversed a total of $74.00 in overdraft fees within the past three (3) months on your account. Therefore, we are unwilling to waive any additional overdraft fees on your checking account. You may want to consider adding Overdraft Protection to your checking account. We offer several types of overdraft protection. We can connect a second existing account such as another checking account or savings account, or you can apply for a credit card or equity line, which can be connected to your checking account in order for funds to be automatically transferred in case of an overdraft situation. With Overdraft Protection, you are charged one (1) Overdraft Protection transfer fee of $12.00 instead of an overdraft fee of $25.00 for the first overdraft occurrence, or $37.00 per item for each additional occurrence. If you would like more information about Overdraft Protection, please feel free to contact me using the information provided below. You can also visit your local Financial Center or contact our Consumer Contact Center at ###-###-#### to setup Overdraft Protection for your checking account. Thank you for your patience while waiting for a response. 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 President Pc: Revdex.com

[redacted] Date: July 29, 2015 Account: [redacted] Regarding Your Mortgage Account Dear [redacted]: We received a copy of the complaints you filed with the Consumer Financial Protection Bureau and the Revdex.com regarding your account with...

the Bank. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, I apologize for any difficulties or concern you may have experience due to the servicing transfer of your account. It was certainly not our intention to cause you any hardship or frustration. We have confirmed that we received the payment you original made to [redacted] and applied to your account on July 1, 2015. Please be assured that no late fees were assessed to your account due to the delay. Additionally, on July 24, 2015, we put in a request to the credit reporting agencies to remove the delinquency that was reported for the June 2015 payment. However, it is necessary to allow up to thirty (30) days for this information to be reflected on your credit report. If you would like to contact the credit bureaus directly, their contact information can be found below: [redacted]            ###-###-#### [redacted]          ###-###-#### [redacted] ###-###-#### [redacted]             ###-###-#### The next payment due on your account is August 1, 2015, for $1,123.88. In addition to your monthly mortgage statement, you may want to consider enrollment in Auto BillPayer. Auto BillPayer will automatically transfer monthly payments from a non-Fifth Third Bank checking account to your mortgage loan at no additional charge, which is less than the cost of a postage stamp. Many of our customers appreciate the convenience of Auto BillPayer that eliminates the need of check writing or mailing your payments. Auto BillPayer also ensures that your total payment is made on time each month preventing the added cost of a late charge. Should you have additional questions regarding Auto BillPayer, please contact us at ###-###-####.[redacted], we appreciate your patience while we researched this matter and apologize for any inconvenience this situation 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,Monica J.Office of the PresidentPc: Consumer Financial Protection Bureau 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]

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.   
53 Bank are a bunch of crooks, had me pay the application fee after reviewing all of my documents and someone should have seen what they call is false information!  I cannot wait for the day I am able to refinance my mortgage with another lender and not paying these crooks a single penny ever again! With that being said it took me countless emails and phone calls and a complaint to the Revdex.com in order to receive and answer from 53 Bank! Frank told me inconsistent variables was the reason of denial then he told me it was due to my income and now I am being told because of my taxes, bunch of crooks! Just like the $18 million settlement 53 Bank had last year regarding discrimination I will not be surprised if it was to happen again due to discrimination against blacks and Hispanics charging them higher interest rates on auto loans! Not only that but the other settlement of $85 million dollars regarding claims under the False Claims Act (FCA) also known as the [redacted] Law relating to loans insured by FHA which also was last year. Stealing a customers hard earned money that can be used to provide for his family is not only wrong but unethical, I understand the bank has to make up the nearly $103 million dollars it had to pay last year in settlement.
Regards,
[redacted] P.S. I just responded to their response but I need to add additional information to my response, they have failed to attached the so called, Prepayment of Settle Costs Policy document with my signature on it.

[redacted] Date: May 27, 2016 Account: [redacted] Regarding Your ATM Deposit Dispute Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Automated...

Teller Machine (ATM) deposit dispute. We appreciate the time you have taken to document your thoughts and concerns. On February 5, 2016, the enclosed letter was sent to you explaining that case [redacted] was opened to investigate your allegation that a cash deposit made via ATM in the amount of $740.00 was not credited to your account. An investigation was conducted, and the ATM was found to be in balance. On May 12, 2016, the enclosed letter was sent to you explaining the denial of your claim. It should be noted that we received your initial request for the dispute during your telephone call to the Bank on Sunday, April 3, 2016. Because the Dispute Resolution Department was closed, this information was forwarded to them for the case to be opened for further investigation. I am sorry for any concern it may have caused when you called the Dispute Resolution Department on April 4, 2016, and the case was not yet entered into the system. Based on your conversations with the Dispute Resolution Department, we reopened the investigation. However, after our additional review of the ATM, we confirmed that the ATM was in balance. Because the ATM is in balance, we are unable to approve your dispute. I apologize for any difficulties you may have experienced when attempting to discuss this matter with the Bank. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com Enclosures: Dispute Status Letters

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]

[redacted] Date: May 31, 2017 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com (Revdex.com)...

regarding your mortgage loan. We appreciate the time you have taken to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced. Please be assured we have researched this matter fully. 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. Thank you for taking the time to speak with me on May 22, 2017, regarding this matter. In your complaint and during our telephone conversation you stated you were unsure how and where to make a mortgage payment while you were in [redacted]. On behalf of the Bank, please accept my sincere apologies for the difficulties you experienced trying to contact our customer service department at ###-###-####. We have reviewed the call you made to the Bank on May 22,2017. The agent correctly informed you that your due date is the first of every month, and your mortgage loan has a fifteen (15) day grace period. The grace period does not change your due date; however, you will not receive late charges if your payment is made within the grace period. Please note you can make a mortgage payment at any Fifth Third Bank banking center. For your records and convenience, please find enclosed a copy of the payment history and your Note. Please note page one (1), item three (3) of your note titled Payments, which states: I will make my monthly payment on the 1st day of each month beginning September 1, 2015. I will make these payments every month until I have paid all of the principal and interest and other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest and other items in the order described in the Security Instrument before Principal. If on August 1, 2045, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the “Maturity Date.” I will make my monthly payments at P.O. Box 630170, Cincinnati, OH 45263 or at a different place if required by the Note Holder. Our research confirmed the Collection Department attempted to contact you nineteen (19) times to alert you to the mortgage loan payment being past due. However, the Collection Department was unable to reach you between April 12, 2017, and May 2, 2017. On May 5, 2017, the Bank received and posted your mortgage payment. This payment satisfied your payment due April 1, 2017. This payment was received thirty-five (35) days after the due date and has been reported to the credit reporting agencies as past thirty (30) days late. We have completed our review of the payment history reporting on your credit report for your mortgage loan. Our review determined that the information provided to the credit reporting agencies is accurate. We regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to correct prior negative reporting. You may wish to consider using Auto BillPayer. Auto BillPayer enables you to have payments automatically deducted from your checking or savings account each month on the due date or any date within the grace period, thereby, eliminating the need to mail your payments or bring them to a branch location. If you are interested in enrolling in Auto BillPayer, please contact the 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. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### 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, Patrick S.Office of the President PC: Revdex.com Enclosures

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.    Fifth Third chooses not to uphold the guidelines in which the merchant is to abide by thus demonstrating Fifth Thirds lack of knowledge and business ethics and practices.Here is Fifth Thirds company slogan - “Curious people ask better questions… and find better answers,” said Larry M., the bank’s senior vice president and chief marketing officer, in a release. “Curiosity surfaced as an important value we wanted to affirm with our own employees: be curious about our customers’ needs, be curious about the way things could be made easier, and be curious about how we can innovate our products and services.”Clearly Fifth Third is not CURIOUS ABOUT THERE CUSTOMERS NEEDS AND OR  RIGHTS.....  [redacted]

[redacted] Date: April 20, 2016 Account: [redacted] Regarding Your Mortgage Account Dear [redacted]: Thank you for contacting the Bank, regarding your Fifth Third Bank mortgage loan. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. If a payment does not post by the due date it is considered delinquent and is subject to collection activity. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8:00 AM until 9:00 PM, including holidays. Several calls may be placed each day in an effort to obtain a payment or to arrange suitable payment arrangements. When making telephone calls our Collection Representatives will strive to resolve the issue in as timely a manner as possible in order to provide professional and accurate assistance. Our records show that the collection calls stopped once the payoff of $70,291.50 posted to your mortgage loan on February 26, 2016. According to the terms of the Note you signed on December 27, 2001, payments for your mortgage loan ending in [redacted] are due on the 1st of each month. Your Note also describes the terms of the grace period, which specifies that Fifth Third must receive your payment by the end of fifteen (15) calendar days after the payment is due to avoid a late charge. As stated in the response sent to you on March 30, 2016, you were still contractually obligated to make the monthly mortgage loan payment as outlined in the Note until the mortgage loan payoff posted to your account on February 26, 2016. Although you provided a brief description of the employee you spoke to at the [redacted] Banking Center, we were still not able to substantiate your claim that you were instructed not to make your mortgage loan payments. Therefore, we must stand by our previous response. We cannot accommodate your request to correct prior negative reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We hope this correspondence will help you understand Fifth Third Bank’s position. 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] [redacted] Date: May 13, 2016 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the 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 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. On April 21, 2016, we received funds in the amount of $11,684.45 to pay off your vehicle installment loan. The payoff payment was posted to your account on April 22, 2015. Since the payment of $11,684.45 exceeded the payoff amount by $9.06, a refund check in the amount of $9.06 was sent on May 6, 2016. If you have not received the refund check, please contact me directly at the telephone number provided in this letter. On May 6, 2016, we received an additional loan payment in the amount of $606.76. Since the loan had already paid off when this payment was received, in approximately ten (10) business days from May 6, 2016, a payment refund check in the amount of $606.76 will be mailed to you. If you do not receive the payment check within two (2) weeks from May 6, 2016, please contact me directly at the telephone number provided in this letter to have a new check sent. According to our records, your loan payments were being sent to us from a bill payment service that is not affiliated with the Bank. The company is called [redacted]. As part of my research into this matter, I called [redacted] at ###-###-####, and they confirmed that, even if a loan is paid off, they will continue to send payment to the lender. Smart Payment Plan will continue sending payments until the customer has contacted them to cancel the service. When we spoke on May 9, 2016, you stated that the other borrower on the loan contacted the Bank in April 2016 and was informed by an employee in our Customer Service Department that the Bank would contact [redacted] on her behalf to cancel the service with them. I listened to the recorded telephone call between the other borrower on the loan and the customer service agent. During that call there was no discussion about cancelling the service with [redacted]. As we discussed during our telephone conversation on May 11, 2016, while we regret the issues you have experienced with your loan, the Bank is not able to reimburse you for any of the fees assessed by the institution where you hold your checking account. This is because none of the fees were assessed by Fifth Third, and because there has not been any error made by Fifth Third regarding your loan payments to cause fees to be assessed. Your only recourse for reimbursement of fees you have incurred, is by contacting the financial institution that assessed the fees to your checking account. Additionally, if you have previously contacted Smart Payment Plan to cancel the service with them, and they drafted a payment from your account after you requested cancellation of the service with them, they may be able to refund you for some of the fees you incurred. 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

[redacted]Date:        June
1, 2015Account: [redacted]Regarding Your Equity FlexLine AccountDear [redacted]:We received a copy of the complaints you sent to the RevDex.com and the Consumer FinancialProtection...

Bureau regarding your Equity
FlexLine. 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.On
behalf of the Bank, please accept my sincere apologies for any inconvenience
this matter may have caused you. Please be assured that we have researched this
matter thoroughly, and passed on your concern 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 completed our review of the Equity FlexLine account ending in [redacted]. On May 22, 2015, a payoff was
provided to you in the amount of $1.49. Please be advised a payoff is only
valid for the same day it is given. On Saturday, May 23, 2015, we received your
payment in the amount of $1.49. The payoff quote provided to you that day was
$51.49 because of the annual fee that was assessed to the account on the same
business day, Monday, May 25, 2015. I am sorry for any misinformation you may
have received.It was certainly not
our intention to cause you any frustration. Because you are requesting to close
the Equity FlexLine we are able to waive the annual charge as a courtesy to
you. If you would like to close your FlexLine account, please send a signed
written request to the following address:Fifth Third BankOffice of the President Attn: [redacted]Alternatively, you may fax this request to my attention at
###-###-####. Once I receive the signed request, I will forward the document to
the appropriate department for processing.Thank you for your patience
while we researched this matter for you. If I could be of further assistance to
you, please contact me directly at ###-###-####, or toll free at ###-###-####.[redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.comConsumer Financial Protection Bureau