Fifth Third Bank

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

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: July 25, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your mortgage 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. We ceased sending monthly billing statements for your mortgage loan ending in [redacted] because it was discharged in Chapter 7 bankruptcy. However, if you would like to receive monthly mortgage loan statements, you may send a written request via fax at ###-###-####, or via email at [email protected]. The written request must include the following information: your account number or bankruptcy case number, a signed and dated declaration that you are requesting monthly billing statements, your printed name, and your signature. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] Date: 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

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: August 8, 2016 Account: [redacted] Regarding Your Recent Visit at the [redacted] Banking Center Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

regarding your recent visit to the [redacted] Banking Center in [redacted]. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning and I regret the difficulties you experienced. I have shared the information you brought to our attention with the management of the [redacted] Banking Center. We appreciate your feedback as it assists us in identifying problems and helps continuously improve the level of service we provide to our customers. However, I cannot inform you of specific internal correction actions that may be taken to resolve this matter. On July 26, 2016, you visited the [redacted] Banking Center and met with Kevin F., Personal Banker. During this visit, Mr. F. assisted you with the following transactions: ** Closed your Access 360 account ending in [redacted] because you never received your permanent account with your name on the card. A replacement card was issued, the replacement account number ends in [redacted]. ** Ordered a replacement debit card, because your account had been compromised. It should be noted, Mr. F. did close this account; however, you contacted our customer service department and requested the account to be re-opened the same day. ** Closed your checking account ending in [redacted]. ** Removed Overdraft Coverage from your checking account that ends in [redacted]. ** Opened a Goal Setter Savings Account. The account is open and ends in [redacted]. On July 27, 2016, you contacted the [redacted] Banking Center and met with Kamran M., Financial Center Manager. You indicated that you had requested the wrong checking account to be closed on July 26, 2016. Mr. M. was able to assist you in closing your checking account ending in [redacted], and to re-open your checking account ending in [redacted]. Mr. M. also contacted our Retail Operations department to ensure this transaction was processed and that your direct deposit would still post to the checking account ending in [redacted]. Our research determined that you received two (2) direct deposits on July 29, 2016, in your checking account ending in [redacted]. Our research was unable to determine any loss associated with your two (2) checking accounts. Please use this letter as verification that your checking account ending in [redacted] is closed, and the checking account ending in [redacted] remains open. We have also confirmed your debit card ending in [redacted] is connected to your checking account ending in [redacted] and your Goal Setter Savings account ending in [redacted]. Please note, Automated Teller Machine (ATM) withdrawals are not permitted with the Goal Setter Savings account; however, you are able to make ATM deposits into the Goal Setter Savings account. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. It was certainly not our intention to cause you any hardship or frustration. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com

[redacted] Date: May 26, 2017 Account: [redacted] Regarding Your Transaction Disputes Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

your transaction disputes. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties in the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Our records show that our Disputes Resolution Department opened case number [redacted] to investigate your dispute of transactions totaling $12,498.55 that posted to your credit card ending in [redacted] from September 2014 to November 2014. On December 17, 2014, we posted provisional credits totaling $12,500.35 to your replacement card ending in [redacted] which included the disputed transactions as well as an international transaction fee of $1.80. During our investigation we obtained documentation from the merchants showing that the transactions in dispute were valid. We provided the merchant documentation to you and requested additional documentation from you to support your claim that the transactions were fraudulent. However, you did not provide the requested documentation, and based on the information and documentation gathered during the investigation, we denied your dispute. On February 6, 2015, we reversed provisional credits totaling $3,851.10, and on February 17, 2015, we reversed the remaining provisional credits totaling $8,647.45. Per Federal Regulations, if you believe there is an error on your statement, you have sixty (60) days from the date the error first appeared on your statement to contact the Bank in writing to notify us of the error. When you disputed the transactions in December 2014, you were within the sixty (60) day timeframe. However, because we denied your dispute and it is far beyond the sixty (60) day timeframe, you no longer have dispute rights for these transactions and are wholly liable for repaying the debt. The balance on your account owed after all of the temporary credits were reversed was $13,280.77. However, you did not make any payments, so your account was charged off with balance of $14,465.47 on July 31, 2015. I have enclosed copies of your statements from October 2014 through August 2015 for your review. The full debt is now due in full. Please contact our Recovery Department at ###-###-#### to make suitable payment arrangements. They are available Monday through Friday, 8 a.m. to 5 p.m., ET. Please be aware that if you fail to make suitable payment arrangements we may take further collection actions such as referring your account to an outside collection agency or to an attorney to initiate legal action against you. In regards to the information submitted to the credit reporting agencies for your account, we determined that information is correct since you are liable for the debt. The account is reporting as charged off. We are required to report accurate information to the credit reporting agencies and will therefore not make any changes to the reporting. If you would like to contact the credit reporting agencies directly, they can be reached at the numbers listed below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### Thank you for your patience while we conducted our research. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D. Office of the President Pc: Revdex.com Enclosures: Merchant Documentation

[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] 1[redacted] [redacted] Date: June 14, 2017 Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau (Revdex.com) regarding your checking account. We appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As we discussed on June 12, 2017, the Dispute Resolution Department (DRD) has concluded the investigation for case [redacted]. Please find enclosed a copy of the letter sent to you on June 8, 2017, informing you that the case had been approved. During our telephone conversation you confirmed you had removed the refunded money from your checking account. As of June 12, 2017, the account remains open with a zero (0) balance. Any additional questions regarding your dispute can be addressed with our DRD. A Customer Service Representative is available at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m. Saturday, 8:30 a.m. to 5 p.m., ET. Please have your case number ([redacted]) available when talking with the agent. Once a year, you can receive a free copy of your credit report from the four (4) credit reporting agencies. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: DRD approval letter

[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

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]

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: June 29, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your checking...

account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. I attempted to contact you via telephone on June 26, 2017, regarding this matter. I am sorry that I was unable to reach you. It is my understanding from your complaint that an airline processed a transaction to your account two (2) times. I reviewed your account and determined that [redacted] processed a $65.19 transaction to your account via the debit card on June 19, 2017. They processed another transaction of $109.20 to your account via the debit card on June 21, 2017. This second (2nd) transaction caused an overdraft on your checking account. The balance in your checking account at the end of the day on June 20, 2017, was $32.72. You received a $32.98 credit to the account from PayPal on June 21, 2017. This increased the balance to $65.70. The $109.20 debit card transaction from [redacted] posted on June 21, 2017. Per the Bank’s Overdraft Calculation Order, the debit card transaction was deducted from the balance first (1st), which reduced the balance to negative ($43.50). We then processed the $50.00 cash withdrawal and $12.62 debit card purchase. The ending balance in your checking account on June 21, 2017, was negative ($106.12). Three (3) overdraft fees totaling $111.00 posted to the checking account the next business day. Fifth Third Bank posts transactions during the overnight hours. As a result, the account could show a positive balance during the business day, but if transactions come through to be paid that day and they are processed during our overnight hours, then the ending balance for that business day could be negative. The $109.20 transaction to [redacted] shows the purchase was initiated on June 20, 2017. However, the transaction was not submitted to the Bank as pending on your account at that time. As a result, you were able to complete the $50.00 cash withdrawal and $12.62 debit card purchase without showing the account in the negative. [redacted] requested that we pay them the $109.20 on June 21, 2017, which was processed during our overnight processing hours for the business date of June 21, 2017. The [redacted] transaction caused the overdraft. Per the processing order listed on page fourteen (14) of the enclosed Rules and Regulations, the $109.20 transaction had to be processed first (1st) because the timestamp for when the transaction was initiated was June 20, 2017. Even though you received a direct deposit on June 22, 2017, the direct deposit on June 22, 2017, cannot cover transactions posting to the account for June 21, 2017. The overdraft on the account was valid. We previously waived $74.00 in overdraft fees as a courtesy to you in the previous twelve (12) months. We are unable to reverse additional fees at this time. Based on your complaint, it appears that [redacted] should have processed only one (1) transaction, and not two (2). If this is the case, please contact our Dispute Department to dispute the unauthorized transaction. The Dispute Department can be reached toll-free at ###-###-####. The Dispute Department is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. You also mentioned a $200.00 New Account Bonus for opening the account. I reviewed your account and confirmed it was opened with a bonus offer to receive $200.00 after receiving direct deposit and completing three (3) Online Bill Payments via our website at 53.com within ninety (90) days. You completed the direct deposit requirement for the bonus. However, you did not complete the three (3) Online Bill Payments required. For this reason, the account did not receive the $200.00 bonus. We are unwilling to provide the $200.00 bonus because you did not meet the terms of the offer. While reviewing your account, I noticed that you opted in to Overdraft Coverage on February 9, 2017. Enclosed is a copy of the letter we sent to you confirming the selection. Overdraft Coverage allows the Bank to authorize one (1) time debit card transactions even if there are insufficient funds in the account. Enclosed is a document titled Fifth Third Overdraft Solutions for Consumers. This document explains Overdraft Coverage in detail, and advises how you can change your Overdraft Coverage selection at any time. 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: Rules and Regulations, Overdraft Notice, Overdraft Coverage Letter, Fifth Third Overdraft Solutions

[redacted] 
[redacted] 
[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

[redacted] Date: March 30, 2015 Accounts: [redacted] and [redacted] Re: Credit card dispute Dear [redacted]: We received copies of your complaint regarding your credit card accounts from the Revdex.com, the [redacted]...

[redacted], and the [redacted]. We 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 or frustration this matter may have caused you. The balance on the card ending in [redacted] on March 5, 2013, was $1,596.14. On the April 5, 2013, statement the total balance due on the card was $7,671.25. On April 15, 2013, you filed a dispute with the Bank regarding unauthorized charges on the credit card ending in [redacted]. You provided a signed affidavit acknowledging which purchases were yours and which you were disputing. Case # [redacted] was opened with our Disputes Department. The card ending in [redacted] was blocked and the balance was moved to the replacement credit card ending in [redacted]. On April 29, 2013, the Disputes Department issued credits totaling $752.15 to the account ending in [redacted]. In addition, two (2) payments of $500.00 each posted to the account. On May 22 and 24, 2013, credits totaling $3,920.57 were posted to the card ending in [redacted]. This included credits for interest charges and late payment fees. The remaining balance on the card after these credits was $2,022.07. I have enclosed copies of the April, May, and June 2013 statements for your reference. Our Disputes Department sends a letter to you at the address on file to inform you regarding the final determination made regarding the transactions you disputed. If the dispute regarding a specific transaction is denied, instructions are provided on the letter so the customer can ask for more information and or submit a rebuttal to the finding. Several disputed transactions were not found in your favor leaving a balance on the card. One (1) additional payment of $500.00 posted to your account on June 7, 2013, after which no further payments were received. The card was revoked and charged off for collection efforts on April 30, 2014. The account was sold to [redacted] Financial on May 19, 2014. In researching your concerns, we determined that the Disputes Department failed to send you a letter for several of the transaction disputes that were declined. For the ones that were properly sent to you, we did not receive any further contact from you asking to dispute them further. However, in order to provide a positive resolution to this matter for you, we are in the process of purchasing the credit card account back from [redacted] Financial. We cannot issue any corrections to the account until we service it again. Once the account is returned to us, we will forgive the remaining balance and issue a correction to the credit bureau reporting agencies showing that the account is closed and at a zero balance.Our intention is to complete this process as quickly as possible, however, please allow up to sixty (60) days for us to fully resolve the matter. If you apply for a loan, be sure to use this letter as proof that Fifth Third is correcting the situation. If you would like to contact the credit bureaus directly, their contact information can be found below:[redacted]     [redacted]
   
   
 
[redacted]       ###-###-####  It was not our intention to cause you any hardship and I appreciate this opportunity to address your concerns. 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 executive management teams as part of our ongoing commitment to improving our customers' satisfaction. If I could be of further assistance to you, please call me at ###-###-#### or toll free at 866­360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Regulatory Support Specialist Office of the PresidentPc: Revdex.com; [redacted] Enclosure: Statements

[redacted] Date: August 3, 2016 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to hear about the...

difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. To prevent an overdraft situation, you have the ability to review your account at an ATM (Automated Teller Machine), on our website at 53.com, through mobile banking, or by calling our Customer Service Department at ###-###-####. If the account becomes overdrawn, an overdraft notice is generated that includes a detailed breakdown of the day’s transactions. This overdraft notice is also available to view online at 53.com. As part of your checking account relationship, Overdraft Coverage allows payments and purchases to be made even if you don’t have enough money in your account. You have the option of enrolling in Overdraft Coverage for ATM transactions and one-time Debit Card purchases. In addition, a customer can change their Overdraft Coverage options at any time at a banking center, online at 53.com, via mobile banking, and over the phone by calling ###-###-####. ** Accepting, or opting in, to this service allows you to make Debit Card purchases or ATM withdrawals even if you don’t have enough money in your account. However, there are fees for each item the bank pays when there are insufficient funds in your account. ** Opting out of Overdraft Coverage for ATM transactions and one-time Debit Card purchases means that transactions will be declined in the event you do not have enough funds in your checking account. ** If the Bank is presented with checks, online bill payments, and ACH (Automatic Clearing House) items, we are obligated to make a decision on whether to pay or decline an item, which may cause either an overdraft fee or a return item fee. If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account is overdrawn. We do not assess overdraft fees on pending transactions and per item overdraft fees will not be assessed if your account is overdrawn by $5.00 or less at the end of the business day. The amount of the per item overdraft fee is based on the number of times your account has become overdrawn in the last twelve (12) months. For the first overdraft occurrence, you are charged $25.00 per item. The second occurrence and higher is $37.00 per item. On July 6, 2016, you updated your Overdraft Coverage enrollment to opt in which allowed a $300.00 ATM cash withdrawal to be completed. The cash withdrawal overdrew your checking account by ($163.29). You opted back out of Overdraft Coverage on July 7, 2016. No ATM withdrawals or debit card purchases that posted after July 7, 2016, were assessed an overdraft fee because they were actually done before July 7, 2016. There were five (5) ACH transactions presented for payment while the account carried a negative balance. All of the items were paid, however a $37.00 overdraft fee was charged for each one. The account became positive after your direct deposit on July 15, 2016. We strive to provide professional and accurate information to our customers, and I regret the difficulties you have encountered regarding your account. Because you are a valued customer, two (2) overdraft fees totaling $74.00 were reversed on July 12, 2016, as a courtesy to you. Therefore, we are not willing to waive additional fees at this time. I appreciate this opportunity to address your concerns. Please know that our executive management regularly reviews customer feedback as part of our commitment to improving our operations. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

I have not received the 1200.00 dollars I deposited into there ATM machine when it shut down. They tell me that they can not find d it is a lie. Because I deposited the money in there ATM machine. I have read reviews from fifth third with people having the same complaint as I do. Actually when I looked at the complaints the very first one was the same as mine. And fifth third told them they have been having problems for awhile with there ATM machines. Till I get my money this will never be resolved. I don't know if u or fifth third is this thinking I'm doing this for a game? But I'm getting really pissed now at the action s from them and from the Revdex.com. I have now got the Federal reserve Involved in the matter.

[redacted] Date: January 20, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your checking...

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. You processed an Online Bill Payment via our website at 53.com to your [redacted] credit card account for $4,500.00. You scheduled the payment to process from the checking account ending in [redacted] on November 30, 2016. When the payment processed as requested on November 30, 2016, there were insufficient funds in the checking account to cover the transaction. As a result, the $4,500.00 was returned by the Bank as unpaid. Please note that Online Bill Payments are sent as a check to the payee or they are submitted via an Automated Clearing House (ACH) transaction. If the payment is made via ACH, our Online Bill Payment vendor pays the bill with their own funds. The vendor then drafts the payment from your account to reimburse the funds they used to pay your bill. This means that [redacted] received the $4,500.00 payment, but the money was unable to be drafted from your account. Our vendor will attempt to draft the funds multiple times from the account you selected in an attempt to reimburse. If the vendor is unable to be repaid, then the customer’s information is sent to the vendor’s collection department. The $4,500.00 was processed on November 30, 2016, December 5, 2016, and December 8, 2016. Each attempt was returned as unpaid for insufficient funds. As a result, your account was charged one (1) $25.00 returned item fee and two (2) $37.00 returned item fees. The fees assessed to the account are listed on page three (3) of the enclosed Rules and Regulations. I confirmed that you successfully made the payment to [redacted] from your checking account ending in [redacted] on December 2, 2016, using the Online Bill Payment system. Please note that scheduling a separate successful payment does not cancel out the previously unsuccessful payment. The payments are separate from each other. Our Online Bill Payment vendor was able to receive a refund of the $4,500.00 they paid to [redacted] that they were unable to recoup from your checking account ending in [redacted]. I understand that you requested to have all fees related to the Online Bill Payment reversed. I verified that $74.00 of the total $99.00 in returned item fees have already been waived. Because we value your relationship with the Bank, and because we empathize with the issue you experienced, we reversed the remaining $25.00 returned item fee in the interest of customer service on January 18, 2016. Please note that it is each customer’s responsibility to ensure there are available funds in the accounts from which they have scheduled Online Bill Payments. The Bank and the Bank’s Online Bill Payment vendor will not send a warning to the customer if there are insufficient funds to make or schedule the payment. You also mentioned that due to the [redacted] transaction processing multiple times, your account ending in [redacted] was converted from a savings account to a checking account. Please be advised that Federal Regulations limit the number of electronic withdrawals that can be processed from a savings account. Page twenty (20) of the Rules and Regulations provides information regarding savings account transactions. You are allowed six (6) electronic withdrawals of the following types each month: ** Automatic transfers from a savings account to cover an overdraft via Overdraft Protection ** Transfers of funds or bill payments to third (3rd) parties or other deposit accounts at Fifth Third Bank ** Preauthorized ACH or Electronic Transfers ** Fifth Third Telephone Banking or any money management payment from your savings account ** Point-of-sale transactions with a debit card ** Checks or drafts payable to third parties After three (3) instances in twelve (12) months of exceeding the allowable number of monthly withdrawals or transfers, your savings account may be closed and the funds transferred to a checking account. Enclosed are copies of the letters we sent to you on February 27, 2015, March 31, 2016, August 31, 2016, and September 30, 2016, notifying you that you had exceeded the limit of restricted savings account transactions. You exceeded the transaction limit three (3) times in a twelve (12) month timeframe. Per the letter issued on September 30, 2016, we converted the savings account ending in [redacted] to a checking account to comply with Federal Regulation. The account conversion occurred in October 2016, which was prior to the attempted [redacted] card payments. Per the notice, the checking account has an $11.00 monthly service fee, which is reduced to $8.00 if you have direct deposits totaling $500.00 or more. Please be advised that we are not permitted to convert the checking account back to being a savings account. If you would like to determine if a different checking account type would work best for you, I encourage you to visit a Banking Center or contact our New Accounts Department at ###-###-####. That department is available to assist you Monday through Friday from 8 a.m. to 8 p.m., ET, and on Saturday from 8 a.m. to 5 p.m., ET. 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: Rules and Regulations, Limited Transactions Notification

[redacted] [redacted] [redacted] Date: February 15, 2017 Account: [redacted] Regarding Your Transaction Dispute Dear [redacted]: We received copies of the complaints you submitted to the [redacted]...

[redacted] [redacted] and Revdex.com regarding your transaction dispute. We also received the letter you sent to Chad B., Executive Vice President. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. On behalf of the Bank, please accept my sincere apologies the difficulties you have experienced as a result of the fraudulent transactions on your checking account ending in [redacted]. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties in the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. When you filed the transaction dispute on January 26, 2017, the items in dispute were still pending and had not yet posted to your account. Unfortunately, since the merchants authorized the transactions we are unable to stop the items from posting to your account. Sometimes, however, the item will not post if a merchant knows the transaction to be fraudulent. Since we are unable to determine whether a transaction will actually post to your account, we are unable to post any provisional credits until the disputed items until the items posted to your account. Once the items post to your account, we will post provisional credits for the disputed items. This procedure was not intended to cause you any hardship, and I am sorry for any distress this caused. On January 31, 2017, we posted five (5) provisional credits totaling $3,361.51 to your account. These funds are available to you while we conduct our investigation. We strive to resolve all investigations as quickly as possible. Please allow up to forty-five (45) days for the investigation to be completed. You will receive final written documentation upon completion of our research. If would like to follow up with our Disputes Resolution Department directly, you can reach them at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. Please be sure to reference case number [redacted] when speaking with an agent. Thank you for your patience while waiting for a response. It is a well-known fact that no business can survive without its customers, and I want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: [redacted] Revdex.com Chad B., Executive Vice President

[redacted]Date:          August 18, 2015Account:                [redacted]Regarding Your Recent InteractionsDear [redacted]:We received a copy of your complaint submitted to the Revdex.com regarding your recent interactions with the Bank. Please be assured that Fifth Third Bank takes your feedback seriously, and Iappreciate the time you have taken to communicate your continued thoughts and concerns on this matter.On behalf of the Bank, please accept my sincere apologies for any inaccuracies you feel were included in the previous response. We want you to know it was certainly not our intention to cause you any difficulties or frustration surrounding this matter.We regret the confusion surrounding this issue, but as stated in our letter dated July 30, 2015, the check that was deposited into your checking account ending in [redacted] for $819.50 at a Fifth Third Bank ATM on July 21, 2015, was held due to the age of the account. This hold was on your account from the date of the deposit review, July 22, 2015, and was released after a seven business day hold. A business day is defined as Monday through Friday, excluding Federal holidays. It has been verified that the hold was removed and the funds were available to you on August 1, 2015.As previously communicated, on the day of your deposit, a combined $100.00 from all deposited checks is available immediately; the remaining funds will be made available on the next business day. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday, or a Federal holiday, the day of your deposit is the next business day. ATM deposits received after the cut-off time of 7:00 PM EST (Eastern Standard Time) will be treated as deposited on the next business day. Our previous response to you with further detail is included with this correspondence.I apologize that you are unhappy we are unable to specifically address your interactions with the sales staff at the Lombard-Downtown banking center. As stated previously, due to your indication that your discussions during visit were not completely in your best interest we are looking into this portion of the matter further. Please be advised that Case # C1507617289 has been opened with our Fraud Detection Department to investigate the matter. They will submit any necessary updates, if applicable, when their review is complete.While we strive to resolve all investigations as quickly as possible, please allow up to sixty (60) days for these updates to be submitted. Final written confirmation will be sent to you from the Fraud Detection Department. If you would like to follow up with them directly, they can be reached toll-free at ###-###-####, Monday through Friday: 8:00 a.m. to 6:00 p.m., ET. It was certainly not our intention to cause you any hardship either at the branch location or with our prior response. Please be assured that in addition to opening an investigation, we have researched this matter fully, and appreciate your feedback as it assists us in identifying problems and continuously improving on the level of service we provide to our customers. However, I cannot inform you of specific internal correction actions that may be taken to resolve this matter.Regarding your other complaints mentioned involving your boyfriend’s account, we stand by our previous response in which we regret the experience had at the Lombard-Downtown banking center, but are regrettably unable to research this issue further without discussing the matter with him directly as the account holder. This is an attempt at avoiding fraud or information exposure. I’m sorry for any inconvenience this causes either of you. If he chooses to reach out to me he may contact me at the phone number below, or may send the information to the following address:Fifth Third BankOffice of the President Attn: Sarah S.[redacted]Alternatively, you may fax this information to my attention at ###-###-####.To avoid further frustration on your part while trying to obtain the $150.00 bonus as part of the [redacted] new account marketing promotion I spoke to a representative at the Lombard-Downtown banking center for details since that is where you opened the account. I verified with them that your account needs to have a direct deposit and three (3) online bill payments made using Fifth Third’s Online BillPay on 53.com within the first ninety (90) days of the account being open to qualify for the bonus. Once these stipulations have been met, the funds will be deposited in your new account within six (6) weeks. I have included a copy of the promotional flyer for this offer for your reference.Please accept my further apologies regarding your phone conversation with our customer service staff. You certainly have the choice of visiting any Fifth Third Bank location convenient to you rather than continue doing business at the Lombard-Downtown banking center. Please be assured that your complaint has been escalated to the highest level within the Bank, and has been researched fully. 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.Ms. Loveday, I appreciate this opportunity to further address your concerns and thank you for your patience while waiting for a response. If I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ETSincerely,Sarah S.Office of the PresidentEnclosure: Previous Response[redacted] Promotion Information