Fifth Third Bank

[redacted] *** [redacted] [redacted] *** [redacted] *** [redacted] [redacted] *** Date: March 10, 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 paymentsWe appreciate the time you have taken to express your concerns regarding this matterYour original complaint was filed on February 13, 2105, dated February 12, We received your rejection to our response on March 4, However, we stand by the response conveyed to you in the previous letter sent on February 27, I have enclosed a copy of that prior correspondence for your reviewOur position on this matter has not changedAs mentioned in our original response, your installment loan does have a ten (10) day grace periodHowever, the grace period does not change your payment due dateThis grace period only relates to the charging of a late feeYou entered into a loan modification agreement in December 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 dueThere is no grace period listed under the terms of the loan modification for this conditionWhen the Bank did not receive a payment between July 16, and September 5, your loan did fall two payments past dueAs was shown in the payment breakdown on our previous correspondence, you did not make a payment in MayAlthough you made a payment in June and July, you continued to be one month behindWhen you did not make a payment in August, you became two months past dueTherefore, the modification agreement was correctly removed from your account on August 29, Fifth Third Bank, Member ***Equal Housing LenderFifth 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 issueIf I could be of further assistance to you please contact me directly at [redacted] Sincerely, [redacted] Senior Consumer Resolution Specialist Office of the President Enclosure (1): Previous Response Letter Fifth Third Bank, Member ***Equal Housing LenderFifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp

February 26, [redacted] [redacted] * [redacted] *** Re: Turndown of Easy Home Refinan*e Loan Dear [redacted] * [redacted] : We re*eived a *opy of the *omplaint sent to the Bank on your behalf from the Revdex.com regarding the turndown of an Easy Home Refinan*e LoanWe appre*iate the opportunity to respond to this matter, and we sympathize with the experien*e that the loan pro*ess has had upon youOn behalf of the Bank, please a**ept my sin*ere apologies for the diffi*ulties you have experien*ed with your refinan*eIt was *ertainly not our intention to *ause you any hardshipWe strive to provide an ex*eptional experien*e to our *ustomers, and I am sorry we did not meet your expe*tationsI also want you to know that *ustomer feedba*k is reviewed by our senior and exe*utive management teams as part of our ongoing *ommitment to improving our *ustomers’ satisfa*tionYou applied for a loan with Fifth Third, using you home as *ollateral on November 28, A pre-approval status was obtained based on the paperwork that you provided to the representative that you were working with at your lo*al bran*hBe*ause the loan was being se*ured with real estate, an appraisal was ordered to be obtainedYou obtained an appraisal and turned it in to Fifth ThirdAs are our pro*edures, we had an independent appraisal done as wellThe independent drive by appraisal was *an*elled due to prior servi*e on the propertyThey stated there was signifi*ant deferred maintenan*e and requested a full inspe*tion of the property to determine the *urrent *ondition of the propertyThe appraisal *ame ba*k stating that there were numerous items that needed to be repairedThe estimated *ost of these repairs was quoted as $ [redacted] That *ost ex*eeded the *ost to *ure allowedFor your property, the amount of repairs needed to be done would have had to be less than $ [redacted] to allow us to extend the loan to youI apologize if there was a mis*ommuni*ation about what the $ [redacted] in repairs referred toThe representative you were working with *onta*ted the underwriters and regional loan *hampion to obtain an ex*eption on the loanFifth Third wants to be able to assist our *ustomers with their finan*ial se*urity and su**essWe, as a finan*ial institution, have guideline, rules and regulations that we need to adhere to and work withinUnfortunately, with the guidelines that are in effe*t for our loan produ*ts, Fifth Third was unable to extend any type of ex*eptionOn*e you are able to bring the *ost of repairs within the guidelines for lending, a new appli*ation *an be submittedFifth Third Bank, Member ***Equal Housing LenderFifth Third and Fifth Third Bank are registered servi*e marks of Fifth Third Ban*orp Thank you for your patien*e while we resear*hed this matter for youYou are a valued *ustomer, and we look forward to serving your finan*ial needs in the futureIf I *ould be of further assistan*e to you, please *onta*t me dire*tly at [redacted] Sin*erely, [redacted] *** *onsumer Resolution Spe*ialist Offi*e of the President

October 15, [redacted] Re: Mortgage Loan XXXXXX [redacted] Dear Ms***, We received a copy of the rebuttal you filed with the Revdex.com regarding your mortgage loanWe appreciate the time you have taken to share your additional thoughts and concerns and we sincerely apologize for the frustration you have experienced regarding this matter Once your additional complaint was received, we reviewed the information being reported to the credit reporting agencies for your mortgage loanAccording to your complaint, you did not receive the Annual Escrow Account Disclosure Statement that advised you that your mortgage payment was increasing to $ [redacted] effective June 1, We received your payment of $ [redacted] on June 13, However, this payment was not sufficient to cover the amount due for June which resulted in the payment being returned to you Because you were unaware of the adjusted payment amount, the decision was made to remove the late payment being reported for the June paymentPlease allow approximately thirty (30) days for the credit bureau agencies to update their reportingYou may present this letter as proof of the update should you apply for additional credit within the following thirty (30) days If you would like to contact the credit bureaus directly, contact information can be found below: Please be aware that your escrow account is analyzed every AprilAt that time, we will estimate your insurance and tax payments for the following year in order to calculate the funds needed in your escrow account to make these payments When the escrow analysis is complete, we mail you an Annual Escrow Account Disclosure Statement, which details the results of our analysis including any escrow shortage or overage that might occurIf an escrow shortage exists, you may pay for the total shortage amount by the due date indicated on the Annual Escrow Account Disclosure Statement or the shortage will be collected as part of your overall monthly mortgage paymentTherefore, you must review this statement to determine if your monthly mortgage payment has been adjusted Ms***, we appreciate the opportunity to resolved this matter for you and I apologize for any inconvenience you may have been caused You are a valued customer and we sincerely hope you will allow Fifth Third Bank to service your financial needs for many years to comeIf I could be of further assistance to you please contact me directly at [redacted] [redacted] Consumer Resolution Specialist Office of the President Pc: Revdex.com

October 27, [redacted] *** Re: Account #xxxxxx [redacted] Dea [redacted] We received a copy of the complaint you filed with the Revdex.com dated October 13, 2014, concerning your installment loan accountWe appreciate the time you have taken to express your thoughts and concerns regarding this matter We strive to provide professional and accurate service to our customers and I regret that the service you received did not meet that same high standardCustomer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customersPlease be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concernsIn researching your concerns, we found that when you were attempting to make payments on your installment account, you supplied a seventeen (17) digit checking account numberPlease note that the Bank cannot process a Direct ACH payment out of a checking account number that is longer than sixteen (16) digits Our research revealed that the payment you made on September 3, 2014, was reversed on September 8, 2014, and the payment made on October 3, 2014, was reversed on October 8, 2014, due to the fact that your checking account number had more digits in it than the Bank can process as outlined aboveI apologize if this information was not conveyed to you when you contacted the Bank As a result of this processing situation, you may want to consider mailing your monthly payments to the Bank, using [redacted] to send the payment to the Bank, or using your bank to send a recurring payment to the Bank every monthYou may also want to consider enrollment in Auto BillPayerAuto BillPayer will automatically transfer monthly payments from a non-Fifth Third Bank checking account to your installment loan account at no additional charge, which is less than the cost of a postage stampMany of our customers appreciate the convenience of Auto BillPayer that eliminates the need of check writing or mailing your paymentsAuto BillPayer also ensures that your total payment is made on time each month preventing the added cost of a late chargeShould you have additional questions regarding Auto BillPayer, please contact us at ###-###-####Your installment loan is considered past due for payment if we do not receive your total monthly payment by the due date indicated on your contractYour payments are due on the third (3rd) of each month and you have a ten (10) day grace periodThe final calendar day of your grace period for the loan is not considered the due date for your paymentThe grace period indicates when a late charge will be assessed to youraccount for a past due paymentShould your installment loan become past due, your account may be subject to late charges and we may attempt to repossess your vehicleOur Collection Department will attempt to reach you via the telephone numbers we have on file for you to inform you of the delinquency and to make payment arrangements.After the third (3rd) of each month your payment for the next month is dueThis is true even if your loan is within the grace periodWhen you spoke with a representative from our Collection Department on October 9, 2014, the representative advised you that a total of $was owed on your loan at that timeThis amount quoted by the representative included the $past due for September 2014, the $due for October 2014, and a late charge of $Your payment of $posted to the account with an effective date of October 3, 2014.We empathize with the difficulties you have experienced with the accountIn the interest of customer service, we have reversed the late charge that was assessed to your account for the September and October payments and the interest has been adjusted accordinglyIn order to refund the cost of sending your payment by [redacted] ***, please provide a copy of the receipt you received when you sent the payment by this methodYou may fax this information to my attention at ###-###-####.I can assure you that it was not our intention to cause you any frustration or hardshipOn behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused youIf I could be of further assistance to you, please call me a [redacted] , or toll free at ###-###-####Sincerely,

Please find attached our response to the rebuttal complaint filed by [redacted] January 28, [redacted] ***Re: Equity FlexLine [redacted] We received a copy of the rebuttal complaint you filed with the Revdex.com regarding the application process for your new Fifth Third Bank Equity FlexLine accountWe appreciate the time you have taken to document your additional thoughts and concerns regarding this matter.As stated in our previous correspondence, several factors are reviewed in order to issue approval for the new Equity FlexLine account including your debt to income ratio and any related information that we receive from the credit bureausIn your rebuttal, you indicate that the amount shown on the 1099-Misc form of $10,is what should be used as your incomeBut for this type of income, the Bank uses the ‘Net profit or (loss)’ amount shown on line of the Schedule C form submitted with your tax returnIn your case, the net profit after total expenses was $1,and this was the amount used in our debt to income calculationsI apologize for any frustration this may cause you.On October 29, 2014, your Equity FlexLine application was conditionally approved and a notice was mailed to the address shown above on this dateIt should be noted that the loan commitment letter referenced in your rebuttal complaint states the following:“Your application for a consumer loan has been approved subject to the following conditionsPlease review this consumer loan commitment in detail to ensure that you understand all aspects of this loan being committed and the conditions that must be satisfiedFailure to meet conditions may invalidate this commitment or may result in additional processing requirements and/or a delayed closing date.”As a result, this letter should not be interpreted as a final approval, final commitment or security agreement for the loan amount shownIn addition, you chose to accept the Bank’s counter offer for a smaller line of credit in the amount of $99,on November 7, After the discovery of an underwriting issue regarding your [redacted] lease account, we made an exception to remove the [redacted] lease pay-off and approved your application for a lesser amount of $85,On December 4, 2014, you accepted our second counter offer and proceeded with the closing process for the new Equity FlexLine ending in ***Copies of the conditional approval letter and security agreement for the new account are enclosed for your review.We sympathize with the difficulties you experienced during the application process for your Equity FlexLine accountHowever, we are not willing to increase the line of credit amount for your account at this timeMr [redacted] , please be assured that it was not our intention to cause you any hardship or disappointmentWe appreciate your feedback as it assists us in identifying problems and ways to continuously improve the level of service we provide to our customersYou are a valued customer and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please contact me directly at [redacted] .Sincerely, [redacted] Consumer Resolution Specialist Office of the PresidentEnclosure(s): Conditional approval, Security agreement 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 For your reference, details of the offer I reviewed appear below While you have apologized for the difficulties I've faced due to the bank's oversight in sending me an unnecessary letter requiring insurance on a totaled vehicle and you've told finally accepted a check from my insurance and told me what my remaining balance is, this does not resolve several issues that still remain.I require a letter with my balance in writing to my postal addressI also require that you clear up my credit as you still have a balance of $10,on my credit reportBecause of this, I was unable to get an unsecured loan to pay off the debtYou effectively dropped my credit score by points I demand you send the appropriate balance to all credit reporting agencies, send a letter to my mailing address with the remaining balance and because I am unable to get an unsecured loan due to my ruined credit because of your actions, I have no choice but to pay less than the regular monthly balanceI expect no late fees, no excessive interest charges for not paying the full $a monthYou can't possibly expect me to pay that when I have a new car loan, tripled insurance rates and no possible way of getting an unsecured loan to pay off the balance in full Regards, [redacted]

November 21, [redacted] ***Re: Automatic Teller Deposit Dear Mr***, We received a copy of your complaint filed with the Revdex.com, concerning your ATM (Automated Teller Machine) depositWe appreciate the time you have taken to express your concerns regarding this matterYour comments expressing less than quality service are very concerning and have been addressed and forwarded to the appropriate personnelWhen a customer contacts the Bank we expect each situation will be handled in a professional mannerI do apologize that this was not what happened when you initially contacted the [redacted] Financial Center and we expect that this will not be the case in the future.Our records show that you attempted to deposit a check made payable to [redacted] through an image ATM on October 30, into your personal checking accountThe image ATM recognized this item as a third party check, because the name on the check was not an exact match to the names listed on your personal checking accountWhen a third party check exceeding $ [redacted] is deposited into an image ATM, they are deemed non-negotiableA legal copy of the third party check, known as an image replacement document (IRD), was mailed to you at the address on file for the accountThe original third party check deposited into the image ATM was sent directly to our Central Deposit Review Department to be destroyedI apologize that this was not properly communicated to you by the staff at the [redacted] Financial CenterOur records show that you deposited the IRD into your business checking account on November 6, I understand your frustration when this situation occurred, and I am sorry for any inconvenience this matter may have caused you.We thank you for this opportunity to respond to your concernsYou are a valued customer and we look forward to serving your financial needs in the futureIf I could be of further assistance to either of you, please call me directly at [redacted] Sincerely, [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 For your reference, details of the offer I reviewed appear below FIfth Third Bank assured me in a letter dated August 15, (attached) that no impact was made to my credit report for any agencies This, as is typical with Fifth Third Bank, was incorrect information Upon an attempt to refinance, it was noted that Fifth Third reported late payments to all three credit reporting agencies, even though Fifth Third admitted the error was on their part and no late payment existed This impacted my credit score, lowering it below a threshold and raising interest rates I was unable to refinance and this delay has cost me money, time, and further frustration -- none of which is my fault Fifth Third employees are rude, unhelpful and do not return phone calls in a timely manner I have been routinely offended by their curt nature and failure to admit mistakes I do expect compensation for the error on Fifth Third Bank's part that cost me over two months in lower mortgage payments and my time spent on the phone walking them through their own issues Fifth Third demands compensation for late payments and mistakes on the part of their customers, but does not own up to their own mistakes other than a half-hearted apology in writing Regards, [redacted]

Attached is a copy of our response to the complaint filed by Ms [redacted] January 14, [redacted] ***Re: Escheated cashier’s check [redacted] in the amount of $5,000.00Dear [redacted] We received a copy of your complaint filed with the Revdex.com, concerning the cashier’s check your father purchased in We appreciate the time you have taken to document your thoughts and concerns regarding this matter.On behalf of the Bank, please accept my sincere condolences for your lossAlso, I want you to know that customer feedback on issues such as this helps us to identify problems and to improve the level of service we provide to our customers.State Law requires for the Bank to turn funds over to the State of Ohio if a cashier’s check remains outstanding for five (5) yearsWe were able to confirm that the funds from your father’s cashier’s check were escheated to the State of Ohio in 2012, reporting as owner unknownIn 2006, when the check was issued, the banking centers did not capture the address for cashier’s checks, therefore we never mailed him a letter informing him of the escheatmentOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused.On January 14, 2015, our Escheatment Group submitted an update to the State of Ohio on your behalf regarding the ownership information for the checkA claim form will be sent in a separate mailing from the state for you to fill out to reclaim the funds, please be aware that this process can take between three (3) and six (6) monthsIf you have any questions regarding this transaction or the escheatment process, please let me know.I understand your frustration when trying to bring closure to this situationPlease be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customersPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI 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.Ms [redacted] , thank you for your patience while we researched this matterWe truly value your business, and we look forward to continuing our banking relationship with youIf I could be of further assistance to you, please contact me directly at [redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the President [redacted] Consumer Resolution SpecialistOffice of the President

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.You have no idea how much time, effort, and energy has been devoted to try to get them to apply the payments as they were intended Each time we spent at least minutes on the phone to get it rectified and as the response states, they just couldn't get it right Then we had to spend money to refinance to get out from under their irresponsible banking practices We have received the escrow money, but they are only giving us the $back now because the Revdex.com was contacted Prior to that everything was rectified in their mind, we tried to tell them different, and they would not do anything even after escalating up to supervisors We knew our final payment was wrong, but just wanted this negative experience in our lives to be over I wish I would have filed a claim with the Revdex.com earlier I do understand your need to resolve this issue, but I am exercising my right to reject their response as not even coming close to rectify their past mistakes For example...My check #written/mailed on June 27, was not cashed until 7/24/ Then my principal only check #written/mailed on July 5, was cashed on 7/14/ This means that check #sat on someone's desk for almost a month They feel that $will cover that and three other errors, but there were more? What I am still looking for is accuracy in their banking so that this never happens to another soul!Put yourself in my shoes and understand the frustration of not being able to get the time and resources involved with this complaint back! Regards, [redacted]

October 31, [redacted] Re: Mortgage Loan [redacted] Dear Mr [redacted] , We received a copy of the second (2nd) complaint you submitted to the Revdex.com regarding your mortgage loanWe appreciate the time you have taken to document your additional thoughts and concerns regarding this matter Again, on behalf of the Bank, please accept my sincere apologies for the difficulties you have encountered with your mortgage loan ending in ***However, we stand by the responses conveyed to you in our previous letters sent to the above address on August 15, 2014, September 22, 2014, and October 17, Our position on these matters has not changed We make every effort to ensure that your mortgage loan payments are properly processed in as timely a manner as possibleHowever, if a misapplied payment goes undetected, we are more than willing to research the payment in questionAs we previously explained, once you notified us in July about the discrepancy with your payments, we completed a manual loan adjustment on July 23, to reverse all of your monthly payments since March 31, We also placed a notation on your mortgage loan in an attempt to ensure that we apply any monthly payments we receive, prior to or on your due date, towards the upcoming monthly obligations owed going forwardThis will prevent us from applying funds, in addition to your monthly payment, towards the principal balance in the future unless you later instruct us otherwise As we also explained previously, when you contacted the Bank regarding the delinquency on your credit report, we immediately escalated your concerns to management to ensure that your credit report was being accurately reported by all [redacted] **) credit-reporting agencies On October 16, 2014, we confirmed that all credit-reporting agencies are correctly reporting as of October 2014, and there is no delinquency showing on your credit report While we regret your experiences, we still believe we have adequately resolved your issues in accordance with the Bank’s policies and proceduresTherefore, we are unable to provide you with any additional compensation at this timeI am sorry for any frustration this may cause you Mr [redacted] , I am sorry for any inconvenience these matters may have caused youAfter multiple communications with you via mail, we consider this issue closed, and we will no longer be sending written correspondence to you regarding these mattersIf I could be of further assistance to you, please contact me directly at [redacted] Sincerely, [redacted] Senior Consumer Resolution Specialist Office of the President Pc: RevDex.com

[redacted] ***Date: April 17, 2015Account: [redacted] Re: Real Life Rewards Credit CardDear [redacted] :We received a copy of the complaint you filed with the RevDex.com concerning your Real Life Rewards Credit CardWe appreciate the time you have taken to document your thoughts and concerns.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI 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.To maintain the security of your account, I am sending this letter to the mailing address we currently have on record for youI noticed that the address you use in your complaint is different According to our security protocols, I cannot update your mailing address based upon your complaintI encourage you to call customer service to make sure your address is properly updatedThey can be reached at ###-###-####, Monday through Friday, a.mto p.m., ET, and Saturday 8:a.mto p.m., ET.On January 30, 2015, [redacted] attempted to deposit a $1,check into your checking accountThis check was accompanied by a mortgage loan substitute payment ticket, which processed the check as a payment to the mortgage account ending in I am sorry for any miscommunication that may have occurred in the processing of this transaction.On February 5, 2015, Auto BillPayer processed the scheduled payment of $from your Established Checking account ending in ***Because the funds were not deposited into the checking account on January 30, 2015, this transaction caused the account to overdraw, and the overdraft protection provided by the Real Life Rewards Credit Card account ending in [redacted] transferred $into your checking account, bringing the balance of the account to zeroPlease note that any time a credit card covers an overdraft for your checking account, the daily APR of 24.99% for a cash advance is assessed to the amount that was transferred to the account.The Real Life Rewards Credit Card was assessed the following:$interest charge for cash on March 5, 2015$late payment fee on April 2, 2015$interest charge for current purchases on April 3, 2015$interest charge for cash on April 3, 2015.In the interest of customer service, as of April 15, 2015, we reversed the total of $in late fees and interest charges that were assessed for this transaction on the Real Life Rewards Credit CardOn April 17, 2015, we also reversed the $overdraft transfer fee that was assessed to the Established Checking account on February 6, A payment was made to the account on April 10, 2015, in the amount of $to bring the account balance to zero I hope this letter meets your satisfaction and resolves your needs.We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused youIf I could be of further assistance to you, please call me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely, [redacted] Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

[redacted] Date: March 25, Account: [redacted] Re: Promotional Offer and Overdraft Fees Dear [redacted] : We received a copy of your complaint filed with the Revdex.com, concerning your account with Fifth Third Bank business checking accountWe appreciate the time you have taken to express your concerns regarding this matter On behalf of the Bank, please accept our sincere apologies for any inconvenience this issue may have caused youIt was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account Please be assured that Fifth Third Bank takes your feedback regarding your experience with the Consumer Contact Center and at the Brentwood Banking Center very seriously, and I have contacted the relevant parties to pass on your concerns We strive to provide professional and accurate service to our customers, and I regret that the service you received did not meet the same high standard We conducted a thorough review of the promotional offers available in August Our review determined that there were no $promotional offers made to customers opening a business checking account at that timeIf you have proof of the promotional offer you referenced in your complaint, I would be happy to research this issue furtherThe requested information can be mailed to the following address: Fifth Third Bank Office of the President [redacted] Alternatively, you can fax this information to my attention directly at [redacted] It is our understanding that you spoke with the Financial Center Manager, [redacted] , at the [redacted] Banking CenterMs [redacted] informed us that she discussed the Bank’s fee reversal policy and the overdraft fees assessed on your business checking account Our records show that on March 9, 2015, the balance in your business checking account was $***Two (2) transactions totaling $ [redacted] posted to your account that dayThe ending available balance was [redacted] ($***)Due to non sufficient funds two (2) overdraft fees totaling $ [redacted] were assessed the following business dayOn March 10, 2015, the balance in your business checking account was [redacted] ($***)One (1) transaction for $ [redacted] and the overdraft fees totaling $ [redacted] posted to your account that dayThe ending available balance was [redacted] ($***)Due to non sufficient funds one (1) overdraft fee totaling $ [redacted] was assessed the following business day On March 11, 2015, our Consumer Contact Center reversed a total of $ [redacted] in overdraft fees per the Bank’s fee reversal policyA service charge of $ [redacted] and the overdraft fee of $ [redacted] were assessed the same day On March 12, 2015, the balance in your business checking account was [redacted] ($***)One (1) transaction for $ [redacted] posted to your account that dayThe ending available balance was [redacted] ($***)Due to non sufficient funds one (1) overdraft fee totaling $ [redacted] was assessed the following business day On March 17, 2015, our Dispute Department provided you with provisional credit for the transactions you disputed in the amounts of $ [redacted] and $***.Our Dispute Department also credited back $ [redacted] in overdraft fees assessed due to the disputed transactions We sympathize with the difficulties you have encountered with your accountHowever, we are unwilling to reverse additional fees charged to your account For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the futureInformation regarding overdraft coverage options is also provided on the enclosed document We hope this correspondence will help you understand Fifth Third Bank’s position going forwardWe appreciate your patience while we research your requestIf I could be of further assistance to you, please call me at [redacted] or toll free at [redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the President

February 19, [redacted] *** [redacted] *** [redacted] *** Dear [redacted] ***: Thank you for the letter you sent to Revdex.com regarding your car loan with Fifth Third BankWe appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulty you experiencedOn behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with our collection department in regards to the late payment status that is appearing on your loanIt was certainly not our intention to cause you any hardshipWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsI 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’ satisfactionWhen a loan has gone past the date due, not the grace period, our automatic dialer will begin to call customers to remind them of a paymentWe want to assist customer in maintaining their credit rating and not wanting negative reporting to appear on a credit bureauI have checked both you and your daughter’s credit reporting, and there is no negative reporting as of todayI will check again once your payment reached Fifth Third to verify that there exists current payment statuses for both of youOur collections department, if there are able to contact a customer, will not only ask for the payment that was missed, but also for the next payment that is dueThis again is to assist our customers in maintaining their loan agreement and credit reportingI apologize that the calls which were placed to you were excessivePlease also accept my apology for the lack of communication that the collections department gave you in regards the amount dueThey should have explained the amount prior to you having to ask for clarificationI understand that this payment as well as one in October were slight oversights and did not reach Fifth Third in a timely mannerWhen your payment for February is posted to the loan, if there is a fee associated with the payment, I will have the fee reversedIf it would be helpful for you, I can assist you in obtaining the ability to log into Fifth Third’s online banking site to monitor the loanPlease contact me at the number below if this is an option that you would like to take advantage of doingThere is no charge for accessing our web site or your accountIf your daughter has the ability to, she can also set up Fifth Third Bank as a payee on her bank’s online banking site, if they have one, to make her payments on line as opposed to mailing them in each monthIf she is not familiar with setting up a bill on line, I am sure the local branch where she banks would be willing to assist her in that matterFifth Third Bank, Member***Equal Housing LenderFifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Thank you for expressing your concern and displeasure of the recent call you had with Fifth Third BankIt is a well-known fact that no business can survive without its customers, and I want to assure you that we truly value the banking relationship you and your daughter have with usIf I could be of further assistance to you, please contact me directly at [redacted] Sincerely, [redacted] *** Consumer Resolution Specialist Office of the President

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I will assume that the system issue which caused the delay in removing me from collections is the same issue which caused them to incorrectly assert that I received letters requesting insurance confirmationI never received any of the requests that I was said to have received and I repeatedly communicated that to the folks with whom I spokeI have received many other mailings from them so I know that they have my address, but the assertion that they incorrectly made doesn't prevent this issue from being resolved for me 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 For your reference, details of the offer I reviewed appear below Statements Agreement to waive a (1) fee Letter of response I have attached a document showing charges for a purchase that never happened (they denied it happened) and also if needed I have a statement when trying to receive something from them they had a bogus address of [redacted] **This bank was rude to me, refusing to give me any info until I told them I was reporting them to the federal banking institutionI called them and requested balances and to close all accounts and they stated no balances and they would close all accounts per customer request, how could I possibly have known there was still a balance if they never sent me statements doing so now does not resolve the fact that they were never received in the past although numerous requests were madeI also had no access to the account on line 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 Please note - I filled a complaint with your team in October for the same issue and bank advised the issue was resolved and I would not hear from them againDespite over half a dozen attempts (and one now closed Revdex.com complaint to your team) the bank team is sending me HARP mortgage ads repeatedlyI received another one yesterday dated December I am not, nor never have been a customer and they are the only company sending me these adsI am contacting the Attorney General in [redacted] and [redacted] to report the company as they have failed to stop sending me these offers despite multiple calls and emails on my part Again, I do not want to received HARP offers from your organizationBTW, I don't qualify Regards, [redacted]

I also sent customer a copy of his payment history, but was unable to attach the document.Response to customer attachedFebruary 12, [redacted] [redacted] *** [redacted] *** Re: Installment Loan [redacted] Dear [redacted] : We received a copy of your complaint filed with the Revdex.com concerning your installment loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for the inconvenience this matter may have caused youIt was certainly not our intention to cause you any hardshipWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsPlease be assured that we have researched this matter fully, and customer concerns are reviewed by our senior management as part of our ongoing commitment to improving our customers’ satisfactionProof of full coverage vehicle insurance is required at the loan contract signing and throughout the life of the loanOn October 21, 2014, November 10, 2014, and November 24, 2014, we mailed notices to the address on file to inform you that due to the insurance information provided to us at your loan closing having not been an actual copy of the policy with your new vehicle added we would need to be provided with a current proof of coverage by November 30, Because we did not receive proof of insurance by that date, force-placed insurance costing $ [redacted] was added to your installment loan on December 8, As of January 20, 2015, we have received a copy of your current proof of insurance coverage and your force placed insurance was removedA new coupon book was ordered reflecting your payment amount being lowered back to the original payment of $ [redacted] In your complaint you also mentioned that your name had been misspelled in our system, I have found the error, have corrected your name to read as “ [redacted] ” and have ordered you a new coupon book at no charge to reflect this which you should receive in the next 7-business daysPlease accept my apology for this mistakeMr [redacted] , it was certainly not our intention to cause you any hardship, and we appreciate your patience while we researched this matter for youWe value your business, and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please contact me directly at [redacted] or toll free at [redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the President Enclosures (4): Notices and Payment History [redacted]

[redacted] ***Date: April 7, 2015Account: [redacted] Re: Installment LoanDear [redacted] :We received copies of your complaint filed with the Revdex.com and the Consumer Financial Protection Bureau concerning your installment loan ending in ***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 the inconvenience this matter may have caused youIt was certainly not our intention to cause you any hardship We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsPlease be assured that we have researched this matter fully, and customer concerns are reviewed by our senior management as part of our ongoing commitment to improving our customers' satisfaction.Proof of full coverage vehicle insurance is required at the loan contract signing and throughout the life of the loanOn January 21, and February 10, 2014, we mailed notices to the address on file, which at the time was [redacted] ***We apologize for the address misprint and have since updated our system to reflect the address aboveThese notices were to inform you that due to the insurance information provided to us at your loan closing having not been an actual copy of the policy with your new vehicle added we would need to be provided with a current proof of coverage by February 24, Because we did not receive proof of insurance by that date, force-placed insurance costing $6,was added to your installment loan on that date Copies of these notices are included for your records.On March 10, 2014, we received a copy of your current proof of insurance coverage and your force placed insurance was removed going forwardDue to an inability to obtain proof that insurance coverage for the [redacted] was in place from January 11, to March 3, from your insurance agent, the Forced Placed Coverage amount remained in place for these months increasing the payment amount to $On March 24, 2015, [redacted] made a payment of $ to your loan to assist you in bringing the loan current.Upon further review of the insurance documentation you provided to us in which your insurance agent indicated your continued coverage, on April 2, 2015, the force placed insurance for the time period of January 11, to March 3, was cancelled and the coverage amount was credited back to your loanIn addition, all late fees accrued on the loan were removed to reflect this changeAt this time, we also submitted an update to all four (4) credit-reporting agencies to remove the late payment marks and report your account as currentPlease allow up to thirty (30) days for the credit-reporting agencies to update their reportingShould you apply for additional credit in the meantime, you may present this letter as proof of the update.If you would like to contact the credit-reporting agencies directly, their contact information can be found below: [redacted] #### [redacted] #-#### [redacted] -#### [redacted] **#-###-####After these updates and the payment received from Jeff Schmitt Auto Group were processed your payment amount has been lowered back to $and a new coupon book was ordered reflecting thisCurrently your installment loan is paid ahead and next due for a payment May 5, 2015.Additionally, when we spoke on February 19, 2015, you requested we remove the cease and desist that is currently on your accountTo do so, we will need that removal request in writing which you may send to the following address:Fifth Third BankOffice of the President Attn: [redacted] ***Alternatively, you may fax this documentation to my attention directly at ###-###-####[redacted] , it was certainly not our intention to cause you any hardship, and we appreciate your patience while we researched this matter for youWe value your business, and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely, [redacted] Consumer Resolution Specialist Office of the PresidentEnclosures (3): Insurance NoticesPc: Revdex.com; Consumer Financial Protection Bureau

I have attached the response to the complaint filed by [redacted] .The Revdex.com made us aware of your additional concerns, regardingyour checking account ending in ***We appreciate the time you have taken toexpress your thoughts and for bringing this matter to our attentionI confirmed that you submitted an application for your checking account online,and the account was opened and assigned to the [redacted] Centeron May 12, I apologize for my previous miscommunicationHowever, theinformation that explains the services and fees associated with the accountwould have been mailed to the address you provided at the time of theapplicationAs stated in the letter sent to you on November 20, 2014, the account transactionslisted on www.53.com , are in numerical order of largest to smallestThisis to make account reconciliation straightforward for customersCustomers alsohave the ability to change the manner in which account transactions aredisplayed on www.53.com by clicking on the Date, Debit (-), Credit (+),Check, Description, or Balance tabs above the account transactionsThetransaction order listed on www.53.comis not indicative of the order in which the account transactions wereprocessedI apologize if you were not aware of this in advance Please note that the Bank processes transactions at the end of each business day and we do not process transactions on Saturday, Sunday or Federal Holidays Transactions that post toyour account are processed in the following order: Credits and deposits made prior to the end ofday cutoff time (according to our Funds Availability Policy)· ATM transactions and debit card transactionsin the order they took place All other debits including checks, andelectronic bill payments, in the order of highest amount to lowest amount· Fees and service charges in the order ofhighest 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 athird partyThis posting order is thesame whether you accept or decline Overdraft Coverage for ATMtransactions and one-time debit card transactionsOn behalf of the Bank, we would like to offer our sincere apologies for anyinconvenience or frustration this matter may have caused youHowever, we standby the response conveyed to you in our previous letter sent to the aboveaddress on November 20, Our position on this matter has not changedMs [redacted] , it was certainly not our intention to cause you any hardshipWesincerely hope this information will help you understand the Bank’s positiongoing forward and resolve your needsIf I could be of further assistance toyou, please call me at ###-###-#### or toll free at ###-###-####Sincerely, [redacted] ConsumerResolution Specialist Officeof the President