Fifth Third Bank

[redacted]Date: April 14, 2016Account:      [redacted]  Regarding Your Installment LoanDear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your vehicle loan. We appreciate...

the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, I would like to offer our sincere apologies for any frustration this matter may have caused you. Please be assured that we have contacted the relevant parties to research your loan and passed on your concerns. We make every effort to offer assistance options to eligible customers in as timely a manner as possible, and sympathize with the difficulties that you have encountered.Our records indicate that you spoke to our Loss Mitigation Department regarding your installment loan in January 2016. On January 20, 2016, your loan was approved for a one month deferment plan and the Deferment Agreement was emailed to you to be signed and returned. The deferment plan was then cancelled due to a returned loan payment. The payment received on January 15, 2016, in the amount of $852.17, was returned and reversed off your loan on January 20, 2016. Our Loss Mitigation Department attempted to contact you regarding the returned payment and the cancellation of the deferment agreement. However, our records show they were unable to reach you by phone. On April 1, 2016, we received a payment of $4,054.30. This payment brought your installment loan current and cancelled the repossession of the 2011 Ford truck held for collateral. As of today, your loan remains current with a partial payment of $285.77 due on April 18, 2016. Our records also show that your vehicle insurance was cancelled in November 2015 and the insurance coverage on your vehicle lapsed. Full coverage vehicle insurance is required throughout the life of the loan. We work with a third party insurance vendor to research and monitor the insurance coverage. If it is determined that full coverage insurance is not in place for the related vehicle, an insurance policy will be placed and the insurance premium will be added to the loan. Should we receive proof of insurance after that time; the insurance premium added to the loan will be removed and the monthly payments will be adjusted to the original payment amount.On November 23, 2015, December 14, 2015, and January 26, 2016, our insurance center mailed notification letters to the address we had on file to inform you that we had not received proof of insurance for your vehicle. I have enclosed copies of the letters sent for your review. Since we did not receive proof of insurance from you or your insurance company, on February 10, 2016, force placed insurance costing $2,261.00 was added to your loan. As a result, your monthly loan payment increased to $1,134.80. Once we receive proof of valid insurance coverage for your vehicle, your loan will be adjusted and your monthly payment will be reduced. Please contact our insurance center at ###-###-####, Monday through Friday, 7 AM EST to 8 PM EST, and provide the reference # 482-089-32. Thank you for your patience while waiting for a response as we conducted our research. You are a valued customer and we sincerely hope that you will continue using Fifth Third Bank for your financial needs in the future. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,  Lisa S.Office of the PresidentPc: Revdex.comEnclosures: Insurance notices

[redacted]Date: April 8, 2015 Account: [redacted]Re: Mortgage LoanDear [redacted]:We
received a copy of the complaint you filed with the Revdex.com,
regarding how a payment was applied to your mortgage loan account....

We
appreciate the time you have taken to document your thoughts and concerns
regarding this matter.Your
comments expressing less than quality service are very concerning. On behalf of
the Bank, please accept my sincere apologies for any inconvenience this matter
may have caused you. Please be assured that I have contacted the relevant
parties to express your dissatisfaction with the service you received and
passed on your concerns. We strive to provide professional and accurate service
to all of our customers, and we regret if that has not been your experience.On November 25, 2014, a
payment in the amount of $1,000.00 was received for your mortgage. The enclosed chart shows how those funds were posted and applied toward your
account. Therefore, your
principal balance after the payment noted above was $111,107.51. On December 5,
2014, your mortgage loan payment for $802.57 was posted and applied as follows
to your account (see attached.: On December 10, 2014, you spoke with a Customer Service
Representative and advised them that the payment received on November 25, 2014
was to have been applied to principal only. As a result, both of the previously
noted payments were reversed and reapplied to your mortgage loan on December
11, 2014, as described in the attached.Due to the adjustment
completed on December 11, 2014, the principal balance of your mortgage loan was
reduced by $1,000.00, from $111,534.51 to $110,534.51. A copy of the payment
history for your account is enclosed for your review.We
sympathize with the difficulties you have encountered regarding your mortgage
loan. However, no additional credits will be provided due to the adjustment
that was completed for your account. It should be noted that the $15.00
amortization schedule fee was waived for your account on April 2, 2015.[redacted], please be assured that it was not our intention to cause you any
hardship or frustration. We appreciate your feedback as it assists us in
identifying opportunities to improve our systems and the level of service we
provide to our customers. You are a valued customer and we look forward to
serving your financial needs in the future. If I could be of further assistance
to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Consumer Resolution Specialist Office of the
PresidentEnclosure: HistoryPc: Revdex.com

[redacted] Date: February 11, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com regarding your recent ATM (Automated Teller Machine) deposit. We appreciate the additional time you have taken to express your concerns regarding this matter. According to your initial complaint, you were using the ATM located at our Fort Branch Banking Center and attempted to make a cash deposit for $100.00 to your checking account. While the ATM was processing your deposit, the machine went down and retained your card and the deposit. Our Disputes Department was contacted and case # [redacted] was opened to fully research your claims. Our research determined that the ATM was not in balance and was over $2.00. Therefore, on January 15, 2015, your checking account was credited $2.00 and our investigation was closed. However, in the interest of customer service, the decision was made to credit your account $98.00. On February 3, 2016, a credit in the amount of $98.00 posted to your checking account to provide the full credit for your original ATM deposit. You will see this deposit on your next checking account statement. I hope you are satisfied with this resolution. We appreciate your patience while we reviewed your additional concerns. You are a valued customer and we appreciate the opportunity to review this matter. If I may be of further assistance to you, please call me at 513-358-2980 or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com

See attached for original Final response  December 15, 2014[redacted]Re: E-Access Checking Account [redacted]Dear [redacted]We received a copy of the complaint you submitted to the Revdex.com regarding your...

E-AccessChecking account. We appreciate the time you have taken to document your thoughts and concerns regarding thismatter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may havecaused you.On November 18, 2014, you opened an E-Access Checking account via www.53.com. At the time you opened youraccount, the Bank offered a cash bonus of $250.00 to potential customers who opened a new Preferred, Enhanced,or Established checking account with [redacted]. The offer also had an option of a cash bonus of $150.00 topotential customers who opened a new Essential or E-Access checking account with [redacted]. The E-AccessChecking account is the account type you chose. Regardless of the checking account type chosen, the offerstipulated that the account holder must present the MA code on the mail piece at a financial center or must referencethe MA code when calling Customer Service to open an account. Also, the account must have direct deposit, and thecash bonus would be credited to the account within five (5) business days after the first direct deposit of at least$100.00 posted to the account within the first 60 days. Since you opened your account on www.53.com rather thanat a local financial center or by calling Customer Service it was not coded during the account opening process.It was certainly not our intention to cause you any hardship. In the interest of customer service, we credited the cashbonus offer for $150.00 into your checking account on December 10, 2014. I hope this letter meets your satisfactionand resolves your needs.[redacted], thank you for your patience while waiting for a response. You are a valued customer, and we lookforward to serving your financial needs in the future. If I could be of further assistance to you, please call medirectly at [redacted]

[redacted]
[redacted]
[redacted]
Date: July 19, 2016
Account: [redacted]
Regarding Your Real Life Rewards [redacted]
Dear [redacted]:
We received a copy of your rebuttal recently filed with the Revdex.com, concerning
your Real Life Rewards [redacted] account. We appreciate the time you have taken to
document your thoughts and concerns regarding this matter.
We have thoroughly reviewed your dispute and stand by the final denial of your claim. Enclosed
please find copies of all of our previous correspondence that we sent to you in response to your
Revdex.com (Revdex.com) complaints and [redacted] ([redacted])
complaint. As previously stated in a conversation with the Disputes Department on June 22,
2016, the Bank does not have any additional dispute rights under [redacted] and [redacted]
guidelines.
[redacted], I am truly sorry that you disagree with the final denial of your claim for the disputed
transaction of $750.00 from June 3, 2015. The Bank has guidelines they have to follow for
disputed [redacted] and [redacted] transactions. Unfortunately, the merchant provided
documentation in response to your dispute to support their case and your dispute was denied. If
you would like to continue to pursue this matter, you may wish to do so through the civil court
system. On behalf of the Bank, please accept my sincere apologies for any inconvenience this
matter may have caused you. I regret that adherence to these policies caused you any
frustration or inconvenience.
We strive to provide quality service to all of our customers, and I apologize if we failed to meet
your expectations. It was truly not our intention to cause you any hardship. As stated in a prior
response, we extended the promotional rate on your Real Life Rewards [redacted] through
September 2016, in the interest of customer service. The updated expiration date for the
promotional rate is now September 29, 2016. The promotional rate is 0.00% for purchases and
balance transfers.
[redacted], I understand your frustration when this situation occurred and we appreciate your
patience while we researched this matter. After multiple communications with you via mail, we
consider this issue closed and will no longer be sending written correspondence to you
regarding these matters. You were a valued customer and we sincerely hope that you
reconsider using Fifth Third Bank for your financial needs in the future. If I could be of further
assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####,
Monday through Friday, 8 a.m. to 6 p.m., ET.
Sincerely,
Jennifer C.Office of the President
Enclosures (4): Previous Responses

Revdex.com:Fifth Third went above and beyond in helping me resolve my issues. They will continue to have a loyal customer. 
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

5050 Kingsley Drive MD 1MOCOP Cincinnati OH 45263 [redacted] Date: October 20, 2015 Account: [redacted] Regarding the Overdraft Fees Assessed to Your Checking Account Dear [redacted]: We received a copy of...

the complaint you submitted to the Revdex.com regarding the overdraft fees that were assessed to your checking 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 any inconvenience this matter may have caused you. On September 11, 2015, the beginning balance in your checking account was $223.34. A direct deposit of $2,492.54 was credited to your account that day. Eight (8) items totaling $2,816.83 were also debited from your account that day, leaving your checking account with a negative ending balance of ($100.95). Due to insufficient funds, your $149.00 payment to [redacted] was returned unpaid. Therefore, a $37.00 returned item fee was assessed to your account the following business day. On September 16, 2015, and September 21, 2015, [redacted] re-presented the $149.00 payment. It was returned unpaid both times due to insufficient funds. It is important to note that if a payment to a merchant or creditor is returned unpaid due to insufficient funds, the merchant or creditor may re-present the payment one or more times in an effort to collect the funds. Two (2) other payments were also presented for payment more than once during the time your account remained overdrawn. On September 14, 2015, a $100.00 payment to [redacted] and a $50.00 payment to [redacted] posted to your account and were both returned unpaid due to insufficient funds. On September 17, 2015, both payments were re-presented by [redacted] and [redacted]. The $100.00 [redacted] payment was paid, but the $50.00 [redacted] payment was returned unpaid due to insufficient funds. On September 22, 2015, your checking account was brought to a current balance. On that same day, the $50.00 payment to [redacted] was presented for payment a third (3rd) time and was paid. I have enclosed copies of the overdraft notices that were sent to you September 14, 2015, through September 22, 2015, for your review. These notices detail the items that posted to your account and the fees that were assessed. It was certainly not our intention to cause you any hardship. On January 26, 2015, we waived two (2) overdraft fees totaling $74.00. Unfortunately, we are unable to waive any additional fees due to bank policy. I am sorry for any frustration this may cause you. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides additional information related to the overdraft fees that were assessed to your account, and ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage and protection options is also provided on the enclosed document. Please feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. Thank you for your patience while waiting for a response. You are a valued customer, 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, Elizabeth D. Office of the President Pc: Revdex.com Enclosures (7): Overdraft notices, Overdraft Solutions document

[redacted] Date: March 3, 2016 Account: [redacted] Regarding Your Real Life Rewards [redacted] Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com. We appreciate...

the time you have taken to document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. Thank you for taking the time to share your recent experience with me. Your feedback is important so that we can better understand how to improve our service to you. We strive to provide quality service to all of our customers, and I am sorry for your unsatisfactory experience during your previous attempts to resolve this matter. I have shared the information you brought to our attention with the management of the Disputes Resolution Department. Additionally, our senior management regularly reviews customer feedback as part of our ongoing commitment to improving our operations. On August 17, 2015, our Disputes Resolution department opened case ([redacted]) regarding a purchase you made on June 3, 2015, with [redacted] for $750.00. You stated in your dispute that you never received goods or services from the merchant. In a letter sent on September 19, 2015, we informed you of our findings after investigating the credit card transaction that you disputed. We determined that the transaction you disputed was authorized. The merchant was able to provide a copy of the transaction receipt, Attorney agreement for representation, detail letter, notice of appearance, court order, order on motion to withdrawal as counsel of defendant, and detail letter. The letter we sent you indicated that you had ten (10) business days to provide us with an updated letter addressing the merchants’ rebuttal, including any documents you had to support your case. Our records indicate that the requested letter was never received by the Bank and your case was denied as of September 18, 2015. On February 27, 2016, you sent me the letter that you faxed to the disputes department in response to the letter they sent you on September 19, 2015. You indicated in your email to me that you spoke to a disputes department representative on September 30, 2015, who confirmed that your fax was received. You also provided a fax confirmation from September 30, 2015, for the document you faxed to the disputes department. After reviewing the information you provided, we have decided to re-open your dispute case and review the documents you provided. After the review process is complete, the disputes department will send you notification of their final decision. If you would like to contact the disputes department directly, you can call them at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., Saturday, 8:30 a.m. to 5 p.m., ET. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. [redacted], it was certainly not our intention to cause you any hardship and we appreciate 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 contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C.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.   
Worst customer service, won't pay a dime to them, they give money to fraudulent companies. This bank chain will be out of business soon under Trump. Good luck.
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.   
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: April 12, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your Revdex.com complaint, regarding the Stand Up to Cancer promotion for your checking...

account ending in [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. To maintain the security of your account, I am sending this letter to the address we currently have on record for you. I noticed that the return address you use in your Revdex.com complaint is different. According to our security protocols, I cannot update your mailing address based upon your Revdex.com complaint. I encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updated. The Customer Service Department can be reached at ###-###-####. Representatives are available Monday through Friday, from 7:00 a.m. to 8:00 p.m., and Saturday from 8:30 a.m. to 5:00 p.m., ET. I can be reached at the telephone number provided in this response. Your comments expressing less than quality service are very concerning and we regret the difficulties you experienced. Please be assured we have researched this matter fully, and passed on your concerns to the [redacted] Banking Center. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. 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. Per your conversation with the manager of the [redacted] Banking Center, a credit of $150.00 posted to your checking account on March 29, 2016. Although the Stand Up to Cancer promotion has ended, the Bank reached out to Stand Up to Cancer and confirmed that we could still make a donation for $150 as a result of you choosing to open an account with Fifth Third. I have enclosed a letter from the Co-Founder at Stand Up to Cancer which is personally addressed to you informing you about this donation. Fifth Third Bank is committed to being a responsible bank that does what is right for our customers, as well as to making products and services available to all segments in the communities it serves in a fair and transparent manner. We believe your issue was resolved accordingly, and I hope that this letter will meet your satisfaction. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J.Office of the President Pc: Revdex.com Enclosure: Stand Up to Cancer Donation Letter

October 24, 2014
[redacted]
[redacted]
[redacted]
Re: Credit Card                     [redacted]
Dear Ms. [redacted],
We
received the complaint you filed with the Revdex.com as well as the
Consumer...

Financial Protection Bureau regarding your credit card account. We
appreciate the time you have taken to document your thoughts regarding this
matter.
Your
comments expressing less than quality customer service are very concerning. We
strive to provide accurate and professional service and I regret if this is not
the level of service you received. Please be assured that I have contacted the
relevant parties and expressed your dissatisfaction with the service you
received and passed along your concerns.
On
March 8, 2007, Mr. [redacted] was approved for a Platinum [redacted]. On
June 9, 2008, we received a request to add you as an authorized user on the
credit card account. We received the signed authorized user form on July 2,
2008 and you were added to Mr. [redacted]' credit card as an authorized user at
that time. On July 31, 2008, we received a request to add you to the credit
card account as a joint owner. We received the signed joint owner form on
August 18, 2008, however, this request was denied. Unfortunately, at that time,
we changed your status on the credit card to a joint owner in error. I
apologize for any frustration this may have caused you.
We have updated this credit card account to indicate that
you are an authorized user and not a joint owner. Being an authorized user
means that you are able to obtain information regarding the account such as
recent charges, payment information, and balance information. However, an
authorized user is not responsible for the debt, is not an account owner, and
the account is not reported in the authorized user's name to the
credit-reporting agencies. Additionally, an authorized user is not permitted to
request any maintenance to the account such as a replacement card, address
change, credit limit change, or due date change.
We
have submitted an update to the credit reporting agencies requesting removal of
this account from your credit report. It may take up to [redacted] for
each credit-reporting agency to completely update their reporting. If you would
like to contact the credit bureaus directly, the contact information can be
found below:
[redacted]            [redacted]
[redacted]          [redacted]
[redacted]
[redacted]            [redacted]
[redacted]
FIFTH THIRD BANK
For your convenient review, I have enclosed copies of the account
for the period covering the accumulation of the $284.94 balance. If you have
any questions after reviewing these statements, please contact me at the number
listed below.
We appreciate your patience while we researched this matter. If I
can be of further assistance to you, please contact me directly at [redacted]
[redacted]
[redacted]
Consumer Resolution Specialist Office of the President
Pc: Revdex.com
Consumer Financial Protection Bureau
Enclosures: Authorized User Form, Joint Owner Application,
Statements

[redacted] Date: May 12, 2016 Account: [redacted] Regarding Your Online Bill Payment Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning the stop payment placed on your...

online bill payment. We appreciate the time you have taken to express your concerns regarding this matter. We understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience this matter might have caused you. 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. On April 2, 2016, you opened the checking account ending in [redacted] with a cash deposit of $1,500.00 at the [redacted] Banking Center. On April 4, 2016, you scheduled a payment of $1,300.09 to [redacted] via 53.com. Since this was a new account, the payment to [redacted] appeared on our Fraud Department’s suspicious activity report. Our Fraud Department also determined that the online access during this transaction was routed through [redacted], [redacted]. A Fraud Analyst attempted to contact you to verify the payment to [redacted] and was unsuccessful. When the analyst was unable to reach you by phone, a stop payment was placed on the payment to [redacted] and the online access for 53.com was blocked. We are very sorry if our attempts to explain the reason for our action during your conversation with our Fraud Department did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. We work diligently to prevent fraud perpetrated against the Bank and our customers. We regret any difficulties or concern that this issue may have caused you, as it was not our intention to cause any hardship. Our Fraud Department followed proper procedures and guidelines concerning your online payment to [redacted]. Therefore, we are not willing to reimburse you for the $30.00 charge assessed by [redacted] for the failed payment. We hope this correspondence will help you understand Fifth Third Bank’s position going forward. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J.Office of the President Pc: Revdex.com

[redacted] Date: September 28, 2015 Account:    [redacted] Account:    [redacted]Regarding Your Vehicle Installment LoansDear [redacted]:We received a copy of the letter you sent to the Revdex.com...

regarding your vehicle installment loans. 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 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.Your vehicle installment loan ending in [redacted] has a regularly scheduled payment of $419.37 due on twentieth day of each month. Your vehicle installment loan ending in [redacted] has a regularly scheduled payment of $376.10 due on the ninth day of each month.On July 8, 2015, we received your loan payment in the amount of $564.15. Since the payment we received did not have the appropriate loan number listed on the payment, the payment was applied to the loan ending in [redacted]. I have enclosed a copy of the check we received on July 8, 2015, for your review. When the Bank was made aware of this error, the payment was reversed from this loan and applied to the loan ending [redacted]. To avoid such errors, please be sure to include the loan number when you send in your loan payment(s). Since the payment of $564.15 did not post to the loan ending in [redacted] until the payment error was corrected on September 22, 2015, and the due date for this loan is on the ninth of each month, you were contacted by our Collections Department. Please accept my sincere apologies for any negative experiences you have had as a result of being contacted by our Collections Department.  Calls from our Collections Department are only intended to make sure you aware that a payment is past due and to make payment arrangements with you. Please be aware  when your full minimum payment due does not post by the due date , your loan is considered delinquent and is subject to collection activity. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8:00 AM until 9:00 PM, including holidays. Our Collection Department may make several calls each day in an effort to inform you of the past due payment and make payment arrangements.. You are able to stop calls from collections if you wish. To do that, please send a signed letter requesting a cease and desist. The letter must state that you would like Fifth Third Bank to cease and desist any further attempts to collect on your loan. You can send the letter to my attention to the following address:Fifth Third BankAttn: Adam P.5050 Kingsley Drive Mail Drop: 1MOCOPCincinnati, OH 45263Alternatively, you can call our Collections Department to verbally request a cease and desist. Our Collections Department can be reached at ###-###-####, Monday through Friday, 8 a.m. to 9 p.m., ET., Saturday to Sunday, 8 a.m. to 5 p.m., ET.I also want to be sure you are aware that the Bank allows our installment loan customers to make their installment loan payments online through our website at www.53.com. The first step to make your installment loan payment online is by going to our website at www.53.com. Once there, click on “First Time User” and follow the prompts to get logged in to the site. After you have logged into the website, locate the account you wish to pay and click “PAY NOW.” You will be asked what type of account you are going to make the payment from. You will enter your bank’s routing number and click “GO.” The system will ask for the account number and you will click “ADD ACCOUNT.” Select the account you wish to pay from the drop down box. Select the external account you wish to make the payment from using the drop down box. This feature will allow you to direct your payments to regular payments or to principal only payments. Once you verify the information is correct, you will either submit your payment or choose to go back to edit the payment by choosing the “BACK” button. A confirmation screen will display your payment’s reference identification number. For additional information or for assistance, please call our Customer Service Department at ###-###-####. Our Customer Service Department is available to assist you Monday through Friday, 7 a.m. to 8 p.m., ET. They are available on Saturday, 8:30 a.m. through 5 p.m., ET. They are closed on Sunday.I also want to make sure you are that the Bank offers another method to make your monthly loan payments. It is a service called Auto BillPayer. Auto BillPayer will automatically transfer monthly payments from a non-Fifth Third checking account to your loan at no additional cost.  Many of our customers appreciate the convenience of Auto BillPayer, which eliminates the need of check writing and mailing your payments. If you are interested, please call ###-###-####, Monday through Friday 8 a.m. to 5 p.m., ET.[redacted], thank you for your patience while we researched this matter for you. 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 at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, Adam P.Office of the President Enclosure: Check Copy

Please see below the response being mailed to the customer today. The check will be included with the mailed response. Thank you. [redacted] Date: October 27, 2016 Account: [redacted] Regarding Your Bill Payments Dear...

[redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding the bill payments you set up through Fifth Third Bank’s Online Bill Payment. 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 within the Bank. I also want you to know that feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Payments through Online Bill Payment may be set up as one (1) time payments, or recurring payments. It is your responsibility to cancel, skip, reschedule, or revise a scheduled payment as necessary. The due date for a payment means the date by which you schedule the payment to be delivered to a payee unless the date falls on a non-business day, in which case it shall be the preceding business day. A business day is defined as Monday through Friday, excluding Federal Holidays. You should allow up to five (5) business days for the payment to be processed to ensure that the payee receives the payment by the scheduled due date. I have enclosed a copy of our Digital Services User Agreement for your convenience. Please refer to pages six (6) and seven (7) regarding Online Bill Payment. Please note that some bill payments are made via check, and some are made via electronic transaction. Fifth Third Bank cannot control when a check will be presented by a payee, and it is possible for a check to be presented before the due date. It is your responsibility to ensure you have sufficient funds available in your account to pay all requested bill payments, no matter the method of payment. If you do not, you may incur fees such as overdraft fees, or returned item fees. On October 12, 2016, you set up two (2) payments through Online Bill Payment in the amounts of $117.76 and $563.60 which were both made payable to [redacted]. You scheduled the payments with a “deliver by” date of October 18, 2016. Both payments were paid via check, so they were processed and mailed that same day, which was four (4) business days before the “deliver by” date, to ensure that the payments would be delivered by October 18, 2016.  On October 17, 2016, both bill payments posted to your checking account. On that day, the beginning balance in your account was $1,437.37. In addition to the two (2) bill payments totaling $681.36, ten (10) debit items totaling $1,229.15 posted your account resulting in a negative ending balance of ($473.14). Due to insufficient funds for four (4) items, including the two (2) bill payments, four (4) overdraft fees totaling $100.00 were assessed and posted to your account the following business day. On October 18, 2016, your account was brought to a positive balance. I have enclosed a copy of the overdraft notice we sent to you on October 18, 2016, for your review. It was certainly not our intention to cause you any hardship. After speaking with Lee F., Bancorp Resolution Manager, regarding your telephone conversation with her, I recognize that I should have given you a status update on your complaint rather than waiting on a resolution. I am truly sorry for that, and I want to assure you that going forward I will make sure to keep customers up-to-date on the statues of their complaints regardless of whether a resolution has been reached. As you discussed with Ms. F., we have enclosed a check in the amount of $26.00 to reimburse you for the remainder of the overdraft fees you incurred. Thank you for your patience while we researched this matter for you. We deeply regret that you felt the need to close your account, and we sincerely hope you will reconsider allowing Fifth Third Bank to serve your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Digital Services User Agreement, Overdraft Notice, Reimbursement Check

[redacted] Date: January 14, 2016 Account [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the second (2nd) rebuttal you submitted to the Revdex.com regarding your installment loan. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. As previously advised, we stand by the responses conveyed to you in our letters dated December 18, 2015, and January 6, 2016. Our position on this matter has not changed. As stated in our previous response, you will need to address any damage or missing item claims with [redacted] directly. After receiving your second (2nd) rebuttal we reached out to Michael K., the Claims Manager at [redacted] to bring to their attention your concerns. It is our understanding that you previously filed a claim with [redacted] that was denied. If you have any additional questions or concerns regarding the denial of your claim, please contact Mr. K. directly at ###-###-####. Please note that Fifth Third Bank is unable to assist you any further with this matter, or provide you with any compensation. 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: January 18, 2017 Account: [redacted] Account: [redacted] Regarding Your Savings Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com)...

regarding your savings 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 contacted the Bank on November 14, 2016, to dispute the savings account ending in [redacted] as having been opened in your name fraudulently. We opened an investigation and assigned case number [redacted] to the claim. After completing our research, we approved your claim. Enclosed is a copy of the approval letter we issued on November 30, 2016. The account was closed and charged off with a negative ($166.00) balance owed on July 24, 2014, which was reported to [redacted]. We also sold the debt owed to a third party collection agency, [redacted]. Unfortunately, the Bank employee who researched your claim did not delete the [redacted] record or repurchase the debt from [redacted]. Please be assured on January 6, 2017 the reporting was deleted with [redacted] and the debt was bought back from [redacted]. While researching your dispute, the investigator determined a second (2nd) savings account ending in [redacted] was also opened in your name. The savings account ending in [redacted] was opened in person at a banking center on April 10, 2014. The savings account ending in [redacted] was opened in person at the same banking center on April 11, 2014. Both accounts were opened with cash deposits. The investigator determined that both accounts were opened by the same individual. Therefore, if you advised the account ending in [redacted] was opened fraudulently, then the account ending in [redacted] had to be opened fraudulently as well. It is not uncommon for a customer who states an account was opened in their name fraudulently to have other accounts opened as fraud that they do not know about. Because both accounts were opened by the same individual, and you advised the account ending in [redacted] was opened as a result of identity theft, we determined that the account ending in [redacted] was fraudulent as well. Therefore, any funds in the account ending in [redacted] did not belong to you. At the time we completed the fraud investigation, there was $60.00 in the savings account ending in [redacted]. Since the account was determined to be fraudulent, we removed the $60.00 and placed it into our fraud recovery fund. We then closed that account as well on November 30, 2016. Because both accounts were opened by the same person, they are either both fraudulent or both valid. If you have determined that you did actually open the accounts, you will be responsible for the $166.00 charged off balance from the account ending in [redacted]. If this is the case, please contact me directly using my phone number listed below. Because there was $60.00 in the account ending in [redacted], we would apply the $60.00 to offset the $166.00 owed. This would leave a remaining $106.00 you would owe to the Bank. 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: Approval Letter, Savings Account Statements

[redacted] Date: December 15, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We...

received your complaint filed with the Revdex.com regarding your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Thank you for taking the time to speak with me via telephone regarding your concerns with the customer service you have received, as well as the difficulty you have experienced with obtaining a debit card for your new checking account. During our conversation, I communicated to you that I was able to review several of the recorded telephone calls that took place, and I understood your frustration. As a customer service gesture, I have enclosed a gift card for the difficulties you have experienced while trying to resolve this matter. Please be assured that we take concerns like yours very seriously, and we have addressed and forwarded your concerns to the appropriate personnel. On behalf of the Bank, please accept my sincere apology for the difficulty you experienced. During one (1) of our telephone conversations, you confirmed that you received the replacement debit card I sent to you. If you recall, prior to sending you that replacement debit card, I mentioned that I saw there were several different customer profiles for you in one (1) of our systems, which was the cause for the misspelling of your first name on the debit card you received. In order to send you the new debit card, I had to ensure these profiles were all merged into one (1) centralized profile with the correct name spelling to ensure the card was created appropriately. These multiple profiles all had different contact information listed for you. One (1) of the four (4) profiles that existed had the old address, and when the debit cards were ordered, that old address was used. Since the profiles have been merged, this will not happen again in the future. As you indicated that your Aunt resides at that address, and she was able to advise you that mail had arrived for you, no account information was exposed. Thank you again for bringing this matter to our attention and allowing us to opportunity to assist you. [redacted], we appreciate your patience while waiting for our response. 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, Brandy W.Office of the President Pc: Revdex.com Enclosure: Gift Card

[redacted]
[redacted]
[redacted]
Date: February 9, 2016
Account: [redacted]
Regarding Your Platinum [redacted] Account
Dear [redacted]:
We received your additional complaint that was sent to the Revdex.com regarding your credit
card payment. We appreciate the time you have taken to express your continued thoughts and concerns.
On behalf of the Bank, I apologize for any difficulties or concern this situation may have caused you.
However, we stand by our previous correspondence dated January 29, 2016, regarding your credit card
payment. We previously located the payment and applied it to your credit card account for the date the
payment was originally received. We also waived all of the applicable finance charges that were
assessed to your account. For your reference, I have enclosed a copy of our previous correspondence.
To maintain the security of your account, I am sending this letter to the address we currently have on
record for you. I noticed that the return address you used in your complaint is different. According to our
security protocols, I cannot update your mailing address based upon your correspondence. Please
contact either the Customer Service Department, or myself, to make sure that your accounts are properly
updated. The Customer Service Department can be reached at ###-###-####. I can be reached at the
telephone number listed below.
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
Enclosure: Previous Correspondence

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
I do not understand what is going. I do not have an account with Fifth Third Bank and I have given them more than enough time to resolved this matter. I want to know what is going on. Why would they have a lien claim on my title?