Fifth Third Bank

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[redacted] Date: August 2, 2016 Application #: [redacted] Application #: [redacted] Regarding Your Mortgage Loan Applications Dear [redacted]: We received a copy of your complaint filed with the Revdex.com...

(Revdex.com) regarding your mortgage loan applications. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. We reviewed each of your applications for a mortgage loan that were submitted to the Bank, which were both denied. We confirmed that we completed one (1) inquiry into your credit report related to application [redacted] on October 15, 2015. We also completed one (1) inquiry into your credit report in relation to application [redacted] on March 31, 2016. We verified that we completed one (1) inquiry into your credit report for each of the applications you submitted. If your credit report reflects that we completed more than one (1) inquiry into your credit report for each of the applications, please submit a copy of your credit report reflecting the multiple inquiries so that we can further research your concerns. I can be reached using our address listed above. The documentation can also be faxed to my attention at ###-###-####. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna T.Office of the President Pc: Revdex.com

February 27 2015 [redacted] 
[redacted] Re: Installment Loan [redacted] Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning your vehicle’s installment loan payments. We...

appreciate the time you have taken to bring this matter to our attention, and we sympathize with the difficulties you have experienced. We reviewed the payment history for the installment loan, as well as the original loan agreement and modification agreement. Our review confirmed that the terms of the installment loan modification were breached. The modification agreement entered into in December 2013 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 were no payments made on this installment loan between July 16, 2014, and September 5, 2014. The modification was removed from the account on August 29, 2014, because the account became two installment payments past due. Your monthly payment reverted back to the original payment amount of $[redacted], beginning with the September 27, 2014 payment. We regret any frustration this may cause, however we are required to report accurate information to the credit reporting agencies and we are unable to change our reporting unless it directly relates to a bank error. Your installment loan does have a ten (10) day grace period. The grace period does not change your payment due date, the grace period allows you to make your monthly payment within ten (10) days of your due date without incurring late charges. We do not consider the grace period on the loan as the due date for your payment obligations. In your enclosed loan modification agreement, please note section three (3) on page one (1). As mentioned in your complaint, it does state a re-evaluation process upon reaching the maturity date of your loan. If on the maturity date, borrower still owes amounts under the Note, as amended by this agreement, Borrower(s) will pay these amounts in full on the Maturity Date. If a financial hardship continues at this time, Borrower(s) may request a re-evaluation to determine if further modifications can be made. Since, your loan has not reached the maturity date, the Collection department was correct in saying that this was not currently an option for your loan. I have also enclosed a copy of your original loan agreement and installment loan payment history. The enclosed payment history shows that your last payment was received on February 6, 2015. This payment was a partial payment for the amount owed on December 27, 2014. The below chart illustrates the payments made since your loan modification agreement. Fifth Third Bank, Member [redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Payment Amount Payment Payment Past Due Due Date Owed Amount Date Amount 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 directly at [redacted] or toll free at [redacted] Sincerely, [redacted] Senior Consumer Resolution Specialist Office of the President PC: Revdex.com Enclosures (2): History and Modification Agreement Fifth Third Bank, Member [redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp

[redacted] Date: August 5, 2015 Account:     [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com on July 29, 2015,...

concerning the hold placed on your deposits into your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We strive to provide professional and accurate service to our customers and I am sorry if that has not been your experience. Customer 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 customers. Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately; the remaining funds will be made available on the second business day. Cash deposited into an account is immediately available. In some instances, we reserve the right to place a hold of a longer period of time on a deposit. The full amount of the deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the seventh (7th) business day after the day of your deposit. This Bank policy is outlined in the Rules and Regulations, which you received upon opening your account. In researching your concerns, we found that a check for $2,600.00, which you deposited at the [redacted] Financial Center, was posted to your account on July 10, 2015. Our system placed a hold on the deposit when it was processed due to the repeated overdraft situations on your checking account. In addition, a check for $3,500.00, which you deposited at the Ferguson Financial Center, was posted to your account on July 27, 2015. You were notified that both of these deposits would be held due to the repeated overdrafts on your checking account. Enclosed please find copies of the letters mailed to you regarding these deposits. Please note that within the last two (2) months, your account had become overdrawn on eleven (11) occasions. Our records reflect that we have reversed a total of $111.00 in overdraft charges on your account in the last month. Therefore, we are not willing to reverse any additional overdraft charges. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, Carolyn G.Office of the PresidentPc: Revdex.com Enclosure: (2)

[redacted] [redacted] [redacted] Date: May 9, 2017 Application: [redacted] Regarding Your Recent Loan Application Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your recent loan...

application. We appreciate the time you have taken to express 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 17, 2017, you visited our [redacted] Financial Center located at [redacted] [redacted]. At that time, and as you are already aware, you met with Shani B., Retail Personal Banker, and requested to apply for a Home Equity FlexLine with Fifth Third Bank. I understand that Ms. B. was unable to enter your application when you were present at the Financial Center; however, the application was entered into our loan system on April 17, 2017. I also confirmed that, when Ms. B. entered your application on April 17, 2017, Ms. B. mistakenly input an application for a Home Equity Term Loan instead of a Home Equity Line of Credit as you had requested. When Ms. B. became aware of the error on April 18, 2017, she called to notify you of the error. You also requested that the Bank remove all of your personal information from our systems. We are required by law to keep certain information that is provided with loan applications in our records for an extended period of time. Therefore, we are unable to remove all of your personal information from our system. Please allow me to reassure you, however, that the information you provided on the loan application is not shared, nor is it used for marketing purposes. In your complaint, you requested all of the documents associated with the loan application. The only documents associated with your loan application are the documents you received after Ms. Bradford input the loan application. On behalf of the Bank, please accept my sincere apologies for the level of service you previously received regarding this matter from Ms. B.. Please be assured Fifth Third Bank takes these matters very seriously, and we strive to provide an exceptional experience to our customers. After receiving your complaint, your concerns were forwarded to the relevant parties at the Bank; however, I cannot inform you of any specific actions that may be taken. Since an incorrect loan product was selected when your loan application was input, we have sent a letter to the credit reporting agencies requesting that the inquiry be removed from your credit bureau report. Please be assured we have submitted an update to all four (4) credit bureaus to remove the inquiry. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com

[redacted] Date: July 26, 2017 Account: [redacted] Regarding Your Identity Alert Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Identity Alert account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with the Identity Alert offer that was mailed to you. It was certainly not our intention to cause you any hardship. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. In order for you to take advantage of the offer of one (1) free year of Identity Alert, your current Identity Alert membership ending in [redacted] would need to be closed as we are not able to apply the discount to your current membership. I apologize for any inconvenience this may cause you. As we discussed during our telephone call, I have closed your Identity Alert account ending in [redacted] on July 21, 2017. You may re-enroll in our Identity Alert service on July 24, 2017, by following the instructions in your letter or by visiting a local banking center with your letter for assistance. If you or the banker have any questions regarding your offer, please contact me at the telephone provided below and I would be happy to assist you. Thank you for your patience while waiting for a response. We truly value your business, and we look forward to continuing our banking relationship with 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, Jennifer M.Office of the President

November 4, 2014 [redacted] [redacted] 
[redacted] Re: Checking account[redacted] Dear Ms. [redacted], We received a copy of your complaint filed with the Revdex.com regarding your checking account. We appreciate the time you have...

taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. We are continually working to ensure the funds from your deposits are available in a timely manner while meeting all Federal guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud. On the day of your deposit, a combined $[redacted] from all deposited checks not drawn on a Fifth Third account is available immediately. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday, or a Federal Holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal Holidays. Enclosed for your reference is a copy of the Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards. Pages four (4), eighteen (18), and nineteen (19) provide additional information about funds availability for your personal checking account. The beginning balance in your checking account on October 3, 2014, was $[redacted]. You deposited $[redacted]in cash and a total of $[redacted] in checks to the checking account that day. One (1) of the checks you deposited was the $[redacted] check that you received from [redacted]. You requested $[redacted] of the check deposits back in cash, so $[redacted] of the checks was credited to your checking account. There were three (3) transactions totaling $[redacted] that posted to the account that day, resulting in an ending balance of $[redacted]. Per our funds availability policies, the $[redacted] that was credited your account was not available for use until October 4, 2014. Although we work diligently to prevent fraud perpetrated against the Bank and all of its depositors every day, Fifth Third must also respect certain transactions initiated and requested by our customers. For this reason, funds from check deposits are typically available to spend in your account before we are able to verify if the check is valid. On October 6, 2014, you transferred $[redacted]from your checking account to your Access 360° Reloadable Prepaid Card. The ending balance in your checking account on October 6, 2014, was $[redacted]. The beginning balance in your checking account on October 6, 2014, was $[redacted]. The $[redacted] check that you deposited on October 3, 2014, was removed from the account that day because it was not honored by the paying bank. I apologize for the distress and inconvenience that this invalid check has caused you. As a result of the returned deposit item, we also assessed a $[redacted] returned deposit item fee. The ending balance in your checking account on October 7, 2014, was negative ($[redacted]). Because there were [redacted] funds to cover the returned item, a $[redacted] fee was charged the next business day. The ending balance in your checking account on October 8, 2014, was negative ($[redacted]). On October 27, 2014, we transferred the $[redacted] balance in your savings account to the checking account. This reduced the negative balance to ($[redacted]). We then charged off the negative balance of ($[redacted]), which included a $[redacted]charged-off account fee, and closed the checking account. We sent the $[redacted] balance owed to [redacted] for collection efforts. The balance owed to the Bank was also reported to [redacted]. For your convenience, enclosed is a reference guide titled Fifth Third [redacted] Solutions that provides additional information related to the [redacted] fees that were assessed to your account. Our records do not indicate that you notified us of any potential fraud related to the $[redacted] check you received, nor did you question the check’s validity. We were also unable to confirm that an employee at the financial center confirmed the check was valid and would be paid. We opened an investigation on October 6, 2014, regarding the returned deposit. As a result of that investigation, we advised you that you are liable for checks that are deposited into your checking account if those checks are returned. Please be advised that page fifteen (15), section twenty (20), of the Rules and Regulations explains that the customer is liable to the Bank for deposit items that are returned for any reason. Therefore, we have determined that the balance owed to the Bank for your checking account is valid. If you would like to make payment arrangements regarding the balance owed, please contact [redacted] at [redacted] We appreciate your patience while we researched this matter. If I can be of any further assistance, please contact me at [redacted]. Sincerely, [redacted] Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosures: Rules and Regulations, Returned Deposit Item, Deposit Slip, Fifth Third [redacted] Solutions

[redacted] [redacted] [redacted] Date: October 27, 2015 Account: [redacted] Regarding Your Equity FlexLine Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning your Fifth Third Bank...

Equity FlexLine. We appreciate the time you have taken to request this information. Please be assured that I have contacted the relevant parties to express your dissatisfaction with the service you received from our Loss Mitigation Department and the outstanding balance owed on your Equity FlexLine ending in [redacted]. We strive to provide professional and accurate service to our customers, and we regret that the service you received did not meet the same high standard. We are very sorry if our attempts to explain the deferred interest during your telephone calls with our Loss Mitigation Department did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. Your feedback is important to us, so that we can better understand how we can improve our service to you. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction. Our records show that the outstanding balance owed on your Equity FlexLine totaling $245.75, is for interest deferred when you agreed to the modification agreement in July 2013. Therefore, this was not a fee assessed for completing the modification. For your review, I have enclosed a copy of the modification agreement. Although we sympathize with the difficulties you encountered, the outstanding balance owed on your Equity FlexLine will not be waived. We understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience this matter might have caused you. We appreciate the time you have taken to bring this matter to our attention. If I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President Pc: Revdex.com

[redacted] Date: July 29, 2015 Account:       [redacted] Regarding Your Installment Loan Dear [redacted]: Thank you for contacting the Revdex.com concerning your installment loan. We appreciate the time you have taken to express your concerns regarding this matter. Phone payments are able to be processed through our customer service department provided the payment is received prior to the date due. Once that date is past, our collections department would need to assist in making the payment. I am sorry if there was confusion as it results to prior payments being sent. Fifth Third Bank processes payments the day that they are received by us through the mail. Many of our customers like the benefit of using our automatic bill payer system as well as on-line banking to assure their payments are sent and received prior to the date that the bill is due. On June 25, 2015, a request for the payoff balance of your loan was received by Fifth Third Bank. The payoff quote was for $375.78. As of July 22, 2015, Fifth Third Bank received check, #4355, for $375.78 for the remaining unpaid balance on your installment loan that you had with Fifth Third Bank. With the loan now being paid in full for the entire outstanding balance on the loan, Fifth Third Bank will process a lien release on the title of the 2015 Ford Truck Explorer that was held as collateral for your loan. If I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Beth H.Office of the President

I rejected Fifth Third's response due to their refusal to address my concerns. Yes, the accounts were mine. However, for 3 MONTHS I, along with my family, was harassed on THEIR behalf to resolve these balances. I was told that I would be given a subpoena to come to civil court to face charges at my work if I didn't resolve this matter. I filed bankruptcy in February of 2012 and these accounts were included in my filing. This matter is of public record and could have been easily verified preventing ANY of this from happening. I feel these threats were out of line, especially when they come from incompetence on their part. When I filed my original complaint I asked that the case be withdrawn and that I be left alone on this matter. Fifth Third has not agreed to this now nor have they agreed to do this anytime soon. Because of this, I cannot and will not accept their response.

[redacted] Date: April 6, 2017 Account: [redacted] Regarding Your Basic Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your...

Basic Checking account. We appreciate the opportunity to respond to this matter. I am sorry that the service provided to you by Fifth Third Bank did not meet your expectations. Per your request, we closed your Basic Checking account ending in [redacted] with a zero ($0.00) balance on April 6, 2017. I have enclosed a check in the amount of $1.00 for the remaining balance in your account. We truly regret that you felt the need to close your account and certainly hope you will reconsider using Fifth Third Bank for your financial needs in the future. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Check

I have attached the response to the complaint filed by [redacted].February 13, *015[redacted].[redacted]Re: Credit Card Account XXXX-XXXX-XM-[redacted] Dear [redacted]:We received acopy of your complaint filed with the Revdex.com,...

concerning yourcredit card account ending in [redacted]. We appreciate the time you have taken toexpress your concerns regarding this matter.On behalf of theBank, we would like to offer our sincere apologies for any inconvenience thismatter may have caused you. Please be assured that it was not our intention tocause you any frustration or hardship.Our records showthat your credit card statements are mailed to the address above. Copies ofyour credit card statements can also be obtained from www.53.com.OnNovember 5, *014, we issued your credit card statement requesting a minimumpayment of $[redacted] by December *, *014. Since we did not receive your minimumpayment by the due date, a late charge of $[redacted] was assessed on December *,*014. We do not show that any payments were received.On December 5, *014, we issued your credit cardstatement requesting a minimum payment of $[redacted] by January *, *015. Since wedid not receive your minimum payment by the due date, a late charge of $[redacted]was assessed on January 5, *015.Your credit card account is considered[redacted] if we do not receive the total minimum payment by the due date.Since your credit card remained [redacted] during two (*) consecutive months,the account was revoked and cancelled on January 5, *015. Due to this reason,you are no longer able to use the card.Our records also show that our CollectionDepartment made several attempts to contact you by phone regarding the past duepayments on your credit card account. Currently there is a [redacted] balance on thecredit card account. For your review, I have included your credit cardstatements from November *014 through February *015. We are not willing torefund $[redacted] to you, as you have requested.We have completed our review of the paymenthistory reporting on your credit report for your credit card account. Ourreview determined that the information provided to the credit reportingagencies is accurate. We are required to report accurate information to thecredit reporting agencies and we are unable to change our reporting unless itdirectly relates to a bank error. Therefore, we are unable to remove the[redacted] or the revoked status from your credit card account.If you would like tocontact the credit bureaus directly, their contact information can be foundbelow: [redacted]
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 Fifth Third Bank. Member FDIC. 'CrEqual Housing Lender Fifth Third and Fifth Third Bank are registered servicemarks of Fifth Third BancorpFIFTH THIRD BANKWe hope this correspondence will help youunderstand Fifth Third Bank's position going forward. We appreciate yourpatience while we research your request, and I trust the information detailedherein answers any questions you may have. If I could be of further assistanceto you, please call me at [redacted], or toll free at [redacted]Sincerely,[redacted]ConsumerResolution Specialist Office of the PresidentPc: BetterBusiness BureauEnclosures (4):Credit Card Statements

[redacted]   Date:                         May 18, 2015  Account:         [redacted],...

[redacted]   Re: Account Status  Dear [redacted]:  We received a copy of your complaint filed with the Revdex.com, concerning your Fifth Third Bank checking accounts and your experience at the [redacted] Bank Mart. We appreciate the time you have taken to express your concerns and for bringing this matter to our attention.  Your comments expressing less than quality customer service are very concerning. We strive to provide accurate and professional services to our customers. Please be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received at the [redacted] Bank Mart.  On March 9, 2015, the balance in your checking account ending in [redacted] was $551.63. A total of $6.00 in ATM (Automated Teller Machine) fees was credited back to your account. Twenty-Four (24) transactions posted to your account totaling $915.51, creating an ending balance of negative ($357.88). Due to non sufficient funds one (1) overdraft fee of $37.00 was assessed. The ending balance was negative ($394.88).   It is our understanding that you visited that the [redacted] Bank Mart in order to open a new checking account, due to personal challenges you were experiencing. At that time, you informed the personal banker at the [redacted] Bank Mart that your tax refund would be directly deposited into your checking account ending in [redacted], and the deposit would bring the account balance positive within a few days.  Based on this information, the personal banker agreed to open your checking account ending in [redacted] on March 11, 2015, and not to transfer funds from your checking account ending in [redacted] to cover the negative balance in your checking account ending in [redacted]. Your checking account ending in [redacted] has remained overdrawn since March 23, 2015. Additional items have continued to post to the account, causing further overdraft fees to be assessed. We encourage you to make a deposit to the account, in order to bring the account balance to zero. This would prevent additional overdraft fees from being assessed, the account from being charged off and sold for further collection proceedings, and reported to [redacted]. It should be noted that when you owe the Bank a debt on one of your accounts, the Bank has the right to transfer funds from another account you are an owner of to cover the debt owed to the Bank. This is known as the Bank’s Right to Offset and was disclosed in our Rules and Regulations that you received when the checking account was opened. For your convenience, I have enclosed a copy of our Rules and Regulations. On May 5, 2015, the [redacted] Bank Mart placed a block on your debit cards ending in [redacted] and [redacted] in order to prevent additional overdraft fees from being assessed. Per your request, the blocks have been removed from your debit cards.    It was certainly not our intention to cause you any hardship. We appreciate your patience while waiting for a response, and we sympathize with the difficulties you have encountered with at the [redacted] Bank Mart. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####. 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.  This response is unacceptable. The majority of the response is how I was late and does not go into he reasoning behind it which was explained to the collection agency or the poor and aggressive response provided.  The response falsely and inaccurately portrays the collection agencies responses.  He wanted payment upfront for March and I even questioned him on this.  There was no mention of coming up soon.  It was a demand not a request.  The initial comments was that 600 + dollars was owed not that it was not that half was not yet due.  I wNt a call to discuss this with the bank.  They have not adjusted their policies or reimbursed me for my time.
Regards,
[redacted]

October 27, 2014  [redacted]
[redacted]
[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 account. We...

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 standard. Customer 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 customers. Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. In 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 number. Please 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 above. I 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 month. You may also want to consider enrollment in Auto BillPayer. Auto 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 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 ###-###-####. 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 contract. Your payments are due on the third (3rd) of each month and you have a ten (10) day grace period. The final calendar day of your grace period for the loan is not considered the due date for your payment. The grace period indicates when a late charge will be assessed to youraccount for a past due payment. Should your installment loan become past due, your account may be subject to late charges and we may attempt to repossess your vehicle. Our 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 due. This is true even if your loan is within the grace period. When you spoke with a representative from our Collection Department on October 9, 2014, the representative advised you that a total of $889.58 was owed on your loan at that time. This amount quoted by the representative included the $437.29 past due for September 2014, the $437.29 due for October 2014, and a late charge of $15.00. Your payment of $889.58 posted to the account with an effective date of October 3, 2014.We empathize with the difficulties you have experienced with the account. In 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 accordingly. In 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 method. You may fax this information to my attention at ###-###-####.I can assure you that it was not our intention to cause you any frustration or hardship. On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused you. If I could be of further assistance to you, please call me a[redacted], or toll free at ###-###-####. Sincerely,

[redacted] Date: September 29, 2016 Account: [redacted] Regarding Your Cash Rewards MasterCard Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

Cash Rewards MasterCard account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Enclosed is a copy of the promotional credit card offer that we mailed to you in June 2016. Included with the offer is a disclosure page with a section for fees that states there is a $5.00 or 4% fee for each balance transfer, whichever is greater. The offer directs you to review the disclosures for fee information. I confirmed that you submitted your application for the credit card online, and you submitted your request for the $5,500.00 balance transfer to [redacted] online at the time of your application. Please note that before the application can be submitted online, customers must check mark a box that states they have read and agree to the terms and conditions for the account. A link to the terms and conditions is presented as well to ensure customers have access to review all the terms, including associated fees. The application and any requested balance transfers are not submitted to the Bank until the applicant selects the box that states they read and agree to the terms and conditions and then clicks the “submit” button. I have enclosed a printed copy of the terms and conditions for the Cash Rewards MasterCard, which discloses the balance transfer fee. Please note that the terms and conditions were updated on September 1, 2016. Also enclosed is a copy of the previous terms and conditions for the account that were issued on December 29, 2015, which was made available to you to view online at the time of your application. The balance transfer fee information has not changed. I am sorry for the dissatisfaction and frustration you have experienced regarding the balance transfer fee totaling $220.00. As advised above, the fee was disclosed in the promotional material you received in the mail as well as in the Terms and Conditions you selected online that you read and agreed to. For this reason, we are unwilling to waive the balance transfer fee. I apologize for any distress this may cause you. I was able to review your phone calls to our Customer Service Department regarding the fee. I verified that multiple employees told you the only way to submit a balance transfer is by talking to someone over the phone who is required to disclose the fee. The information you received is not correct. Customers are able to submit balance transfers online at the time of the application, which is how yours was completed. Customers can also complete balance transfers by mail if we sent them a balance transfer offer for a new or existing account. Customers do also have the option to call the Bank to process a balance transfer, at which time the balance transfer information is provided verbally. A Bank employee is not required to call you and disclose the fee when it is completed via mail or online. You did not call the bank to process your balance transfer; therefore, you would have needed to review the disclosure you received by mail or the terms and conditions presented to you online. Please be assured that I have contacted the relevant Bank personnel regarding the incorrect information you received. We received your $247.00 credit card payment on September 26, 2016. As of September 26, 2016, your credit card account is current and no additional payment is due for the September 28, 2016, due date. Please see page two (2), section eight (8) of the September 2016 terms and conditions to verify how your minimum payment due is calculated. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Promotional Credit Card Offer, Terms and Conditions (2)

[redacted]      Date:   March 12, 2015 Account:          [redacted]     Re: [redacted] Debit Card     Dear [redacted]:     We received a copy of your rebuttal of our letter filed through the Revdex.com dated May, 1, 2015, concerning your [redacted] Debit Card replacement card.  We appreciate the time you have taken to document your thoughts and concerns.   Your comments expressing less than quality service are very concerning and I regret the difficulties you experienced.  I have shared the information you brought to our attention with the management of the Financial Center you mention in your correspondence. Additionally, customer feedback is reviewed with our regional management as part of our ongoing commitment to improving our operations.   It is unfortunate that your [redacted] Debit Card was retained by the Automated Teller Machine (ATM) when you attempted to use it.  Please be assured that it was not our intention to cause you any frustration or an undue hardship.   The Bank does have the ability to send a replacement card via overnight mail.  This process does require approximately five (5) business days as the card must be produced and this process can take more than one day.  The card is then sent out to customer via overnight mail.  However, at the time you required a card to be sent via overnight mail, our vendor was not able to produce a card in a timely manner.   The Bank does use a vendor to produce its bankcards and as stated in my letter to you of April 27, 2015, the delay in getting the replacement [redacted] Debit Card to you was caused by a production delay the vendor encountered at that time.      We empathize with the difficulties you have experienced with your accounts.  However, we are not offering compensation in regard to this matter.  If you were accessed fees for any auto debits that were not processed during this timeframe we will reimburse the fees if documentation of fees is provided.  You may fax this information to my attention at ###-###-####. [redacted], on behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter 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, [redacted]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]

FIFTH THIRD BANK[redacted] Date: March 20, 2015 Account: [redacted]Re: Installment LoanDear [redacted]:We received a copy of the complaint you submitted to the Revdex.com...

regarding your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter thoroughly 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 October 17, 2012, you agreed to a forty-eight (48) month unsecured installment loan of $8,000.00. The funds from the loan were deposited into your checking account ending in [redacted] on that same day. I have enclosed a copy of your loan note and checking account statement for your review. While we understand that the deal to purchase a car fell through, you agreed to the loan amount of $8,000.00 and made use of the funds that were deposited into your checking account. Therefore, we are unwilling to lower your loan amount. I am sorry for any frustration this may cause you.We understand that you are having difficulty making your payments, and you recently applied for hardship assistance. Unfortunately, your application was declined because you did not meet our debt to income ratio guidelines. As of March 16, 2015, your installment loan is past due for your January 2015 through March 2015 payments totaling $638.94. The payoff balance on your installment loan is $4,616.93, with interest accruing by $1.35 daily. In order to make arrangements for payment, please contact our Collection Department at ###-###-####. Any agent will be happy to assist you. Please note that continued failure to make payments may result in additional collection actions. This may include late charges, negative reporting to the credit bureaus, and referring your installment loan to a collection agency or attorney to initiate legal action against you.Thank you for your patience while we researched this matter. 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 call me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Senior Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosures (2): Installment Loan Note and Checking Account Statement

Revdex.com:This modification was recinded during my deployment because my payments werent getting to them in time. This happened over two years ago  and is being reported as it is just happening. My credit has been damaged twice now by one incident over two years ago in the past. When I paid off this car early my account was in good standing and my credit score was over 700. This is fraudulent reporting at best.  If this company is interested in quoting the contract they should point out the portion again where two payments have to be late. The second payment was in the grace period (as the representatives talked about over the phone that no longer exists when referenced here but still did at the time when talking to representatives on the phone). This company changed their phrasing from grace period to penalty free period, which still applied and finally one of the managers with nothing left to say stated that he just wasn't changing it back. The defining criteria when they rescinded the modification was that a payment went past 30 days ( which was no where in the contract). But I am not even concerned about this part of their scam. This is just what they used to pivot and change the issue in their response. I wasn't bringing up past problems with this crooked company, I am complaining about a whole new scam.This company is scamming and back pedaling to justify its actions. My complaint isn't currently about the loan modification that they rescinded, it is about them negatively reporting to my credit the same incident twice as two separate events and reporting it as current when it happened over two years ago and my credit had already been negatively affected as the the business response pointed out. The contract did not specify that my credit would be negatively impacted multiple times by the same incident. Please show that portion of the contract in your fraudulent claim... In closing, my credit has been negatively affected multiple times by one incident that happened over two years ago and is being reported as current. My account was in good standing and paid off early and this company's response to that was to wreck my credit when immediately before I paid off this auto loan they were reporting that everything was in good standing every month. This company had to go so far as removing all of my payment history from my credit reports to be able to justify reporting it as charged off because everything was paid in a timely manner all the way down to zero on my credit reports. How does a company get away with something like this??? I am going to look into finding their registered agent. This isn't right. they shouldn't be able to do this to people and keep hurting them over and over.  [redacted]   I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  Please note - I filled a complaint with your team in October 2014 for the same issue and 53 bank advised the issue was resolved and I would not hear from them again. Despite over half a dozen attempts (and one now closed Revdex.com complaint to your team) the 53 bank team is sending me HARP mortgage ads repeatedly. I received another one yesterday dated December 23. I am not, nor never have been a 53 customer and they are the only company sending me these ads. I 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 organization. BTW, I don't qualify.
Regards,[redacted]