Fifth Third Bank

[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

[redacted] Date: February 10, 2017 Account: [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. 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 Fifth Third Bank takes your feedback seriously and I appreciate this opportunity to respond to your concerns. We are continually working to ensure the funds from your deposits are available in a timely manner. When you agreed to the Bank’s Digital Services User Agreement, which includes the terms and conditions for Mobile Deposit, you received information that explains cut-off times and the availability of funds deposited into your account. This document is also available on 53.com. I have enclosed a copy for your convenience. On page seven (7), it provides information regarding Mobile Deposits made using the “Immediate Funds” service. ** The cutoff time for Mobile Deposits is 8:00 p.m. Eastern Time (ET). ** Mobile Deposits made using the “Immediate Funds” service before 8:00 p.m. ET are immediately available to make purchases, withdrawals, and cover any pending items that may post to your account that evening, such as utility or other electronic payments. ** Mobile Deposits made using the “Immediate Funds” service between 8:00 p.m. and 9:00 p.m. ET are immediately available to make purchases, withdrawals, and cover any items that may post to your account that business day, such as utility or other electronic payments. The deposit transaction will reflect on your account statement as occurring on the following business day ** Mobile Deposits made using the “Immediate Funds” service after 9:00 p.m. ET, funds are immediately available to make purchases and withdrawals; however, the funds deposited will not be available to cover any items that may post to your account that business day, such as utility or other electronic payments. The deposit transaction will reflect on your account statement as occurring on the following business day. Customers may also refer to the cutoff times and funds availability details located within the deposit section of the mobile app. Overdraft fees post to your account the day after the account activity that caused them. Making a deposit the day after an overdraft occurrence will not prevent already assessed fees from posting. The ending balance in the checking account on February 1, 2017, was negative ($79.12). Two (2) overdraft fees totaling $74.00 were charged to your checking account on February 2, 2017, for the debits that posted on February 1, 2017. On February 2, 2017, you made a Mobile Deposit for $130.00 at 11:43 p.m. Because it was after the cutoff times (above), it posted to your account on February 3, 2017. The ending balance on February 2, 2016, was negative ($1,173.04) and two (2) additional overdraft fees totaling $74.00 were charged to the account on February 3, 2017. I have enclosed copies of the overdraft notices for these days, which provide more information. It is not our intention to cause you any hardship and I regret the difficulties you have encountered regarding your account. We are unwilling to waive the fee of $2.60 that was assessed for the “Immediate Funds” option on the Mobile Deposit. In the interest of customer service, we reversed $74.00 in overdraft fees on February 3, 2017, to provide a more positive resolution 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 ###-###-####, 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 Enclosures

[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

[redacted] Date: February 4, 2016 Account: [redacted] Regarding Your Fifth Third Bank Stand Up 2 Cancer MasterCard Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning...

your credit card account. We appreciate the time you have taken to further express your concerns regarding this matter. We received your original Revdex.com complaint on August 5, 2015, and a follow up correspondence on August 26, 2015. However, we stand by our responses dated August 13, 2015 and September 9, 2015. I have enclosed copies of our previous correspondences for your records and convenience. Our position on this matter has not changed. As stated in our September 9, 2015, response. The Bank submitted a request to all three (3) credit reporting agencies to update the revoked status of your credit card, and to remove the late pay marks associated with your April, May and June 2015 credit card payments. Please note, we have verified with the credit reporting agencies, no negative reporting is on your credit report for the last twelve (12) months. For your review and convenience, a copy of the most recent version of the credit card agreement currently in effect for your account is enclosed. Please note page six (6) item thirty (30) titled Changes to this Agreement. Which states: Subject to Applicable Law, we can change this Agreement at any time, regardless of whether you have access to your Account, by adding, deleting or modifying any provision (including increasing any rate of finance charge, increasing or adding fees or charges (including annual fees), changing the method of computing balances subject to finance charge, changing your Account credit limit, changing the date upon which finance charges begin to accrue, changing the Minimum Amount Due or limiting the number or amount of Transactions on your Account). Any such changes will generally be effective immediately unless we are required by Applicable Law to provide you with advance written notice of the proposed changes. If this is the case, those changes will be effective immediately following the effective date stated in the notice. Subject to Applicable Law, any such changes will apply to your outstanding Account balance on the effective date of the change and to any future balances created after that date. If we give you the right to reject a change (whether because it is required by Applicable Law or otherwise), and you do not notify us by the date stated in a notice, or if you notify us but then use your Account after the date stated in the notice, you will be deemed to accept all changes in the notice and to accept and confirm all terms of your Agreement and all changes in prior notices we have sent you regardless of whether you have access to your Account. If you reject a change that we make, we will close your Account. No change to any term of this Agreement will affect your obligation to pay all amounts you owe under this Agreement. As mentioned in our response dated September 9, 2015, the Bank uses an automated system to evaluate a customer’s account. The automated system uses information provided to the Bank by [redacted] in relation to a customer’s credit score. If the customer’s credit score falls within the decrease criteria, the credit limit will be decreased when your balance drops low enough to allow a decrease to take place. Therefore, due to the information receive by the credit reporting agency, your credit limit was decreased upon receipt of your monthly payment. On your statement dated January 27, 2016, your credit limit was automatically reduced to $2,300.00. Based on pending authorizations, the limit decrease did result in your credit card being over the limit. However, on January 27, 2015, you contacted our customer service department about this issue. Although the credit line decrease was executed according to our credit line decrease guidelines, due to the pending authorizations, the Bank increased your credit line to $2,500. Please note, you were not assessed any fees as a result of being over the credit limit. The Bank does send a notice to our customers when there is a credit limit decrease. This notice provides information about the decision to lower your credit limit. I have enclosed a copy of the letter mailed to you on January 25, 2016, to alert you to the lowered credit limit. Please note, the reasons for the decreased limits are: ? Utilization on this Fifth Third Credit Card ? Derogatory Public Record or Collection Filed ? Ratio of Balances To Credit Limits on Revolving Accounts Is Too High ? Current deposit balances. Furthermore, the notice does inform you that the Bank will continue to monitor your account performance for future limit increases and decreases. 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 ###-###-####, or toll free at ###-###-####, Monday through Friday, 8:00 a.m. to 6:00 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Previous responses, Credit Card Terms and Conditions, Limit decrease letter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
Regards,
[redacted]

[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: 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

The issue is two fold.  1.  I cant get a straight answer from them.  They added insurance to my car because I failed to provide insurance for the car in a timely manner (I get this and that is not the dispute).  By them adding their insurance. It increased my monthly payment by almost 100%.  I called in and asked them what it would take to make my account current and they said that it would take 699.00.  I asked them if I make this payment I will be all caught up and not that I have insurance on the car  my payment will now decrease back to the original monthly payment and customer care said no.  I said but you said that it was current and you have my insurance therefore there is no nee for me to pay the additional fees.  I asked what it would take to get my payment back to original amount and she could not tell me.  I told her all I want to do is pay the original amount and she could not help.  I asked for a supervisor who conveniently was in a meeting and we could never touch bases.  I then did get a call from someone who said that he was the president and that he was looking into everything and will get back to me and of course never got back to me.  very poor customer care. I wish I had a choice to pull my car loan and give it to someone else but I cant.  My second complaint is I requested they send me invoices and or statement either in the mail or electronically so I can know what I am suppose to pay and when I am suppose to pay and they said no.

[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

[redacted] Date: July 14, 2017 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received copies of the complaints you filed with the Revdex.com and the Consumer...

Financial Protection Bureau concerning 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. When the Bank receives an installment loan payment, provided that the loan is not past due for payment, the payment is applied as follows: 1. Current interest payment due 2. Current principal payment due 3. Any outstanding fees owed on the loan 4. Any late charges owed on the loan 5. Extra principal If the loan payments are current, and we receive a payment that is not the regularly scheduled loan payment amount, the payment will be processed and applied in the order listed above, unless we receive instruction from you to apply the payment in question to principal only. If you plan on making additional $100.00 principal payments to loan in the future, there are several options available to you to accomplish this. You can call the Bank after you have made the payment in question and request that the payment be applied to principal only. You can also send the payment to us in the mail using the enclosed principal payment only coupons. If sending a check payment by mail, please be sure to include the full loan number on the check that is being used to make the payment and mail the payment to the following address: Fifth Third Bank PO Box 630778 Cincinnati OH 45263-0778 Our mobile app and our website also allow you to schedule a principal only loan payment. According to our records, you have access your loan information using our mobile app and on our website at 53.com. To make principal only payments online through our website at 53.com, you will need to log in to the website. Once you have logged in to our website, select your loan and click “PAY NOW.” You will be asked from what type of account you are going to make the payment. You will enter your bank’s routing number and click “GO.” The system will ask for the account number and you will click “ADD ACCOUNT.” Select the account you wish to pay from the drop down box. Select the external account you wish to make the payment from using the drop down box. This feature will allow you to direct your payments to regular payments or to principal only payments. Once you verify the information is correct, you will either submit your payment or choose to go back to edit the payment by choosing the “BACK” button. A confirmation screen will display your payment’s reference identification number. For additional information or for assistance, please call our Customer Service Department at ###-###-####. Our Customer Service Department is available to assist you Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday, 8:30 a.m. through 5 p.m., ET. Alternatively, you can call me directly at the telephone number contained in this letter, and I will be more than happy to assist you. I also want to take this opportunity to let you know of an alternative method of making your loan payments. It is a service called Auto BillPayer. Auto BillPayer will automatically transfer monthly payments from a non-Fifth Third checking account to your installment loan at no additional cost. If you set up your loan payments to be paid by Auto BillPayer, you can also instruct Auto BillPayer to make principal only payments. If you are interested, please call ###-###-####, Monday through Friday 8 a.m. to 5 p.m., ET. Alternatively, you can call me directly. Per your request, every $100.00 loan payment beginning with the $100.00 loan payment that we received on June 13, 2016, and ending with the most recent payment that we received on June 13, 2017, has been adjusted so that each of those $100.00 payments was applied as a principal only payment. For verification that the payments have been adjusted per your request, a copy of the loan payment history is enclosed. 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 Consumer Financial Protection Bureau Enclosures (2): Principal Payment Only Coupons Loan Payment History 2

[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

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 29, 2015 Account: [redacted] Regarding Your Access 360 Prepaid Card and Access 360 Prepaid Card Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding your Access 360...

prepaid card and 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 these matters 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. After your Access 360 prepaid card has been opened, our Customer Service Representatives are able to help you with transfers from your checking account, name and address changes, and intemet banking password reset and alert assistance. But for other servicing needs including transaction details and history, statements, Personal Identification Number (PIN) changes, reporting card lost or stolen and getting a replacement card, you will need to contact [redacted] directly at ###-###-####. We regret any difficulty this may cause you. Thank you for your feedback as it assists us in identifying problems and ways to continuously improve the level of service we provide to our customers. Some of our deposit accounts have overdraft coverage, which allows a customer to access funds beyond the balance in their account. This feature was designed to allow for emergency cash needs and you have the option to choose whether or not to continue having overdraft coverage on your account for ATM (Automated Teller Machine) transactions and one-time debit card transactions. On March 16, 2015, we confirmed that you declined overdraft coverage on your account for ATM transactions and one-time debit card transactions. Please be aware that declining overdraft coverage does not prevent recurring debit card payments, ACH (Automated Clearing House) transactions, and check items from posting to your account which may cause possible overdraft fees. ACH and check transactions are direct withdrawals by merchants or payees from your account. If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account is overdrawn. We do not assess overdraft fees on pending transactions. Per item overdraft fees will not be assessed if your account is overdrawn by less than $5.00. The amount of the per item overdraft fee is based on the number of times your account has become overdrawn in the last twelve (12) months. For the first overdraft occurrence, you will be charged $25.00 per item. For each additional occurrence, a $37.00 per item fee will be assessed. We process transactions at the end of each business day and do not process transactions on Saturday, Sunday or Federal Holidays because they are not considered business days. Transactions that post to your checking account are processed in the following order:Credits and deposits made prior to the end of day cutoff time (according to our Funds Availability Policy)ATM transactions and debit card transactions in the order they took placeAll other debits including checks, electronic bill payments, in the order of highest amount to lowest amountFees and service charges in the order of highest amount to lowest amountPlease note that this posting order may change due to circumstances beyond the Bank's control, such as changes or disruptions in network processing or processing delays by a third party. Pages 11 through 14 of the enclosed Rules and Regulations handbook contain more details about the Bank's overdraft policies.After a check order is submitted, the charge is generally posted to the account within fourteen (14) of when the order was placed. In your case, the check order was placed on May 5, 2015 and shipped on May 7, 2015. The check order charge for $28.99 was and posted to your account on May 13, 2015, which falls within the timeframe noted above.On May 13, 2015, your beginning checking account balance was $32.08. Three (3) transactions totaling $54.10 posted to your account including the check order charge, which is considered an ACH or direct withdrawal item. As a result, the ending account balance was negative ($22.02). It should be noted that no fees were assessed for this occurrence since the check order fee caused the account to be overdrawn. A copy of the overdraft notice is enclosed your for reference.It is important to ensure that your checking account has sufficient funds to cover the transactions you have authorized. However, we sympathize with the difficulties you have encountered regarding your account. Therefore, we reversed the check order charge of $28.99 and credited this amount back to your account on May 27, 2015. In addition, our records do not indicate that balance alerts (sent via email or text) have been set up for your accounts. Please login to 53.com and go to the 'Service Center' to review available alerts and set them up for your accounts.[redacted], please be assured that it was not our intention to cause you any hardship or frustration. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Consumer Resolution Specialist Office of the PresidentEnclosure: Overdraft notice, Rules and Regulations PC: Revdex.com

[redacted] 
[redacted] 
[redacted] Date: October 5, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding the service you received...

when attempting to file a dispute on your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Our top priority is to provide our customers with outstanding service. At Fifth Third Bank, we are continuously evaluating the service we provide to our customers. Your comments expressing less than quality service are very concerning. Please be assured that we take your feedback very seriously and the relevant parties have been contacted to express your dissatisfaction with the service you received. Our Customer Service Professionals strive to provide professional and accurate service to each and every customer they assist throughout the day. I am sorry if your recent experience did not meet the same high standard and we do not expect this will be your experience in the future. We have confirmed that a dispute was filed on September 29, 2015, for the debit card purchase of $163.33 from [redacted]. We immediately began our investigation and on September 29, 2015, your checking account was given provisional credit of $163.33 while we continue to research the dispute. If the dispute is found to be in your favor, the provisional credit will remain in your checking account. However, if the dispute is denied, the $163.33 credit will be removed from your account. You will receive notification from our Disputes Department as soon as their investigation is finalized. Please be assured that it was not our intention to cause you any frustration and we regret to hear that you may want to close out your accounts. You are a valued customer and we sincerely hope you will reconsider this decision. Please know that we value your opinion and we hope that you will continue using Fifth Third Bank for your financial needs in the future. If I may be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####. Sincerely, Lisa S. Office of the President Pc: Revdex.com

Attached is a copy of our response to the complaint filed by [redacted]l.  We received a copy of the complaint you filed with the Revdex.com datedFebruary 3, 2015, concerning your checking account and the telephone calls youhave received from our Collections...

Department. We appreciate the time you have taken to express your thoughts andconcerns regarding this matter.   We strive to provide professional and accurate service to our customers and Iregret that the service you received did not meet that same high standard.  Customer service is of the utmost importanceto all of us at Fifth Third Bank and we appreciate your feedback as it assistsus in identifying problems in an effort to continuously improve the service weprovide our customers.  Please be assuredthat we have contacted the relevant parties to express your dissatisfactionwith the service you received and passed on your concerns.We have removed your telephone numbers from our systems in which you will nolonger receive any telephone calls regarding your overdrawn account.  However, it appears that you made a depositon February 9, 2015 for $1,000.00 which brought your account balance to apositive balance of $2.07. For your convenience, I have enclosed a reference guide titled Fifth Third Overdraft Solutions. This guide provides additionalinformation related to the overdraft fees that we assessed to your checking account.  We also offer ways to track your balance andmanage accounts to help avoid overdraft fees on your accounts in the future.  Within the enclosed document, we also provideinformation concerning overdraft coverage options on your account.  Should you have any questions regarding theenclosed reference guide, you may contact me directly at the number below.  I would be happy to assist you.We empathize with the financial difficulties you are experiencing at thistime.  In the interest of customerservice, we have reversed overdraft charges totaling $74.00 on youraccount.  I can assure you that it was not our intention tocause you any frustration or hardship.  Onbehalf of the Bank, please accept my sincere apology for any inconvenience orconcern that this matter may have caused you.  If I could be of further assistance to you,please call me at [redacted], or toll free at [redacted].[redacted]

September 29, 2014
 
[redacted]
[redacted]      
Chicago, IL 60620
 
Re:
Checking Account XXXXXX[redacted]
 
Dear Mr. [redacted],  
 
We received a copy of your complaint filed with the Better...

Business Bureau,
concerning the returned deposit items on your checking account ending in [redacted].
We appreciate the time you have taken to express your concerns regarding this
matter. 
 
Your comments are very concerning. On behalf of the Bank, we would like to offer our
sincere apologies for any inconvenience this matter might have caused you.
Please be assured that we have contacted the relevant parties and passed on
your concerns.
 
After careful review of the return deposit items drawn from your accounts at other
financial institutions, per our policies and procedures we decided to terminate
our relationship with you. On August 15, 2014, our Bank Protection Department
sent you notification of this decision. On September 4, 2014, a certified check
for $[redacted] was mailed to you. On September 8, 2014, your checking account
ending in [redacted] was closed.
 
It should be noted that Fifth Third Bank is not reporting your checking
account ending in [redacted] to [redacted] or the Early Warning System for the
returned deposit items. On behalf of the Bank, we would like to offer our
sincere apologies for any frustration this matter may have caused you.
 
On September 29, 2014, we chose to reopen your checking account ending in [redacted]. If
you would like for the account to remain open, please ensure that you deposit
funds into the account within thirty (30) days. This will prevent the account
from automatically closing due to inactivity.
 
We thank you for your loyalty to the Bank since 1997. Your feedback is important
to us, so that we can better understand how we can improve our service to our
customers. Additionally, customer feedback is reviewed by our Senior Management
as part of our ongoing commitment to improving our customers’ satisfaction.
 
We value your relationship with Fifth Third Bank and appreciate the opportunity to respond to this matter. If I could
be of further assistance to you please call me directly at [redacted], or
toll free at [redacted]. 
 
Sincerely,
[redacted]
[redacted]
Consumer
Resolution Specialist
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 have closed all my accounts with 5/3 and my wife and daughter are doing the same I will proceed a refinance with our new banking center 5/3 used to much of my time on this matter they say it was only 45 days it turned out to be 4 months

[redacted] 
[redacted] 
[redacted] 
[redacted] 
[redacted] Date: March 10, 2015 Account: [redacted] Re: Revdex.com Complaint 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 February 13, 2105, dated February 12, 2015. We received your rejection to our response on March 4, 2015. However, we stand by the response conveyed to you in the previous letter sent on February 27, 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, your installment loan does have a ten (10) day grace period. However, the grace period does not change your payment due date. This grace period only relates to the charging of a late fee. You entered into a loan modification agreement in December 2013. This agreement states that the loan would revert back to your original payment and interest rate if you became two (2) or more payments past due. There is no grace period listed under the terms of the loan modification for this condition. When the Bank did not receive a payment between July 16, 2014 and September 5, 2014 your loan did fall two payments past due. As was shown in the payment breakdown on our previous correspondence, you did not make a payment in May. Although you made a payment in June and July, you continued to be one month behind. When you did not make a payment in August, you became two months past due. Therefore, the modification agreement was correctly removed from your account on August 29, 2014. Fifth Third Bank, Member [redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp 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]
[redacted] Sincerely, [redacted] Senior Consumer Resolution Specialist Office of the President Enclosure (1): Previous Response Letter Fifth Third Bank, Member [redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp

[redacted] 
[redacted] 
[redacted] Date: July 8, 2016 Account: [redacted] Regarding Your Fifth Third Bank Access 360 Account Dear [redacted]: Thank you for the letter you sent to the Bank regarding your Access 360 account. We appreciate...

the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the level of service you received from the Access 360 customer service department. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. I also want you to know that our senior and executive management teams review customer feedback as part of our ongoing commitment to improving our customers’ satisfaction. However, I cannot inform you of any specific internal actions that may be taken. Enclosed is a copy of the Access 360 terms and conditions provided to you at the time you opened your account. Please note the Authorized Holds section on page three (3) item fourteen (14). Which states: Our research confirmed the $881.86 hotel purchase posted to your card on July 2, 2016. As of July 7, 2016 your available balance is $84.90. 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 Enclosure: Access 360 Terms and Conditions

[redacted] Date: January 11, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your...

installment loan. We appreciate the time you have taken to document your thoughts and concerns. We completed a review of the installment loan account ending in [redacted]. We received your authorization to setup automatic payments through Auto BillPayer, and the first payment was scheduled for October 16, 2015. Our review of the payments to the account included the following: Date Late Payment Payment Satisfied Date Charge (If NSF Fee (If Received Amount Due Returned Applicable) Applicable) 8/14/2015 $ 763.27 8/18/2015 10/16/2015 $ 763.27 9/18/2015 $ 38.16 10/18/2015 10/16/2015 $ 1,546.70 11/18/2015 11/18/2015 $ 763.27 12/18/2014 12/03/2015 $ 30.00 12/21/2015 $ 763.27 12/18/2014 12/23/2015 $ 30.00 1/4/2016 $ 770.00 12/18/2014 $ 38.16 On October 16, 2015, you spoke with our Collections Department and authorized the payment for the same date in the amount of $1,546.70, as well as the future payments dated November 18, 2015, December 18, 2015, and January 19, 2016, in the amount of $763.27 each. It should also be noted that the payment scheduled for January 19, 2016, is outstanding and will be drafted from the [redacted] account ending in [redacted]. If you wish to cancel this payment, please contact our Collections Department at ###-###-####, Monday through Friday 8 a.m. to 9 p.m., and Saturday through Sunday, 8 a.m. to 5 p.m., ET. As we previously mentioned, automatic payments through Auto BillPayer began on October 16, 2015, and were scheduled for the sixteenth day of each month going forward. On November 18, 2015, we submitted the payment request to [redacted], which was returned to the Bank on December 3, 2015, indicating the payment was not authorized. Because this payment was returned as unauthorized, Auto BillPayer was removed from the account. If you wish to enroll in Auto BillPayer for future payments, you may complete the enclosed authorization. You may return the executed document via fax to ###-###-####. In addition, because of the previous draft being returned as unauthorized, we will need a letter from [redacted] indicating that we are authorized to draft from the account. Please be advised, once we receive the executed enrollment form and requested letter, it can take up to three (3) weeks to complete the enrollment process. Our review of the account has determined there was no Bank error in the assessment of the fees. Because there was no Bank error, we are unable to accommodate your request to waive the fees. However, per your telephone conversation with the Bank on January 4, 2016, in the interest of customer service, the $30.00 NSF that was assessed to the account on November 18, 2015, was waived. You may wish to discuss this matter further with [redacted] to determine why the payment requests are being returned to the Bank as unauthorized. For your information, your next payment in the amount of $831.43 is due by January 18, 2016. This payment includes the principal and interest due for the account, as well as the $38.16 late charge that was assessed to the account on January 4, 2016, and the $30.00 NSF fee that was assessed to the account on December 21, 2015. 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, [redacted] Office of the President Pc: Revdex.com Enclosure: Auto BillPayer Enrollment Form