PROCORPSA

[redacted] ***Date: June 3, 2015Regarding Your Mortgage Loan ApplicationDear [redacted] :We received a copy of the complaint you filed with the Revdex.com concerning your mortgage loan applicationWe 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 youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers' satisfaction.We completed our research of your mortgage loan application that was submitted on April 30, 2015, with an estimated closing date of May 29, Unfortunately, we have extended our processing times to finalize documents for loan closings somewhat due to the unusually high volume of loan applications we are receivingOn May 27, 2015, upon further review of the application, several conditions were placed on the file, and as you mentioned, were requested from youOn May 29, 2015, you indicated that you requested the IRS transcripts, but were unable to obtain these documents prior to the scheduled closing, due to IRS turnaround timesBecause not all of the conditions were met for the application, we were unable to further review the application prior to the scheduled closing on May 29, I apologize for any frustration this may have caused you.When a mortgage loan application is received, several departments and individuals within the Bank work together to process the application, and communicate with the customerWe strive to provide you with an exceptional experience throughout the application processFrom your complaint, it is clear we did not meet your expectations and, I am truly sorry we disappointed you.Thank you for your patience while we researched this matter for youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely, [redacted] Office of the President

[redacted] [redacted] *** [redacted] *** Date: December 21, Account: [redacted] Regarding Your Installment Loan Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning your installment loan We appreciate the time you have taken to document your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your installment loanIt was certainly not our intention to cause you any hardshipPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfactionWe understand your concerns about the collection calls you receivedOur Collection Department begins making calls to customers when a payment is not received by the due dateThey are a failsafe Fifth Third Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reportingThey are certainly not intended to cause you any hardship or frustrationAlthough we were able to confirm the receipt of your Auto BillPayer enrollment form, it may take up to three (3) weeks to complete the enrollment process before the first payment is scheduledWe have confirmed with the Auto BillPayer Department that the first payment is scheduled for January 7, 2016, in the amount of $I apologize for any misinformation you may have received when calling the BankIn addition, we received a payment on December 14, 2015, in the amount of $193.48, which satisfied the payment due for December 7, Because the account has a ten (10) day grace period for the payment to be received, please be assured there were no late charges assessed to the account or negative credit reportingThank you for your patience while we researched this matter for youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, April QOffice of the President Pc: Revdex.com

[redacted] [redacted] [redacted] *** Date: August 28, 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 accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for the frustration and inconvenience you experienced regarding this matterThank you for taking the time to speak with me about your concerns on August 14, As we discussed, the Bank's new website design does not offer category types for Online Bill Payments and the historical information is not accessibleEnclosed for your reference and review is a copy of the Digital Services User Agreement which states that we may modify or cancel any such services or method of accessing them at any time without noticeI am sorry for the dissatisfaction that the changes to our Online Bill Payment system have caused youWe were able to obtain a report of your Online Bill Payments made since 2014, including the category and memo notes enteredUnfortunately, we are unable to send you an electronic copy of this reportFor this reason, enclosed is a printed report that is organized by payment date starting with the most recent paymentWe recognize that the recent changes to our website have impacted how customers use the services available on 53.comPlease be assured that the Bank is continuing to review customer feedback as we look to enhance the services and features of website, and we have made some changes based on this feedbackWhile I cannot guarantee that the ability to categorize bill payments will be made available again, the Bank is very focused on listening to customer feedback to make additional website changes to improve our customers’ experienceWe appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Digital Services User Agreement, Online Bill Payment History Spreadsheet

[redacted] [redacted] [redacted] *** Date: December 19, Account: [redacted] Regarding Your [redacted] Account Dear [redacted] : We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your [redacted] accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matterI confirmed that you spoke to a representative in our Customer Service Department on August 3, 2016, regarding the $payment that was due by July 2, We did not receive the payment until July 6, 2016; therefore, a $late payment fee was assessed on July 5, The representative you spoke to advised he would waive the feeI am very sorry that the fee was not waivedPlease be assured that I have contacted the relevant Bank personnel regarding this situationI am sorry for the frustration this issue has caused youWe waived the $late fee assessed on July 5, 2016, as well as the $late fee assessed on September 2, 2016, and finance charges totaling $The account is now overpaid by $If you would like us to send a check to you for the $53.89, please contact me directly using my phone number listed below so that I can verify the address and issue the refundWe appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Statements

[redacted] [redacted] *** [redacted] *** Date: October 27, Account: [redacted] Regarding Your Equity FlexLine Dear [redacted] : We received a copy of your complaint filed with the Revdex.com, concerning your Fifth Third Bank Equity FlexLineWe appreciate the time you have taken to request this informationPlease be assured that I have contacted the relevant parties to express your dissatisfaction with the service you received from our Loss Mitigation Department and the outstanding balance owed on your Equity FlexLine ending in ***We strive to provide professional and accurate service to our customers, and we regret that the service you received did not meet the same high standardWe are very sorry if our attempts to explain the deferred interest during your telephone calls with our Loss Mitigation Department did not provide the level of detail you desired, or failed to fully address all of your questions and concernsYour feedback is important to us, so that we can better understand how we can improve our service to youAdditionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfactionOur records show that the outstanding balance owed on your Equity FlexLine totaling $245.75, is for interest deferred when you agreed to the modification agreement in July Therefore, this was not a fee assessed for completing the modificationFor your review, I have enclosed a copy of the modification agreementAlthough we sympathize with the difficulties you encountered, the outstanding balance owed on your Equity FlexLine will not be waivedWe understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience this matter might have caused youWe appreciate the time you have taken to bring this matter to our attentionIf I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted] , Monday through Friday, a.mto p.m., ETSincerely, Elizabeth JOffice of the President Pc: Revdex.com

[redacted] [redacted] [redacted] *** Date: April 29, Account: [redacted] Regarding Your Installment Loan Dear [redacted] : We received a copy of the complaint filed with the Revdex.com regarding your installment loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn January 31, 2010, you agreed to a seventy-five (75) month installment loan for $27,with a maturity date of July 1, For your convenience, I have enclosed a copy of the Retail Installment Sale Agreement which details the terms of the loanIn the section of the contract titled “Truth-In-Lending Disclosure” it is disclosed that you promise to pay the principal amount of $27,plus finance charges at the rate of 5.59% for seventy-five (75) monthsYour first monthly installment loan payment of $was due on May 1, According to the enclosed payment history, you have made seventy-two (72) payments to your loanTherefore, a balance still remains owed on your loanAs of today, your loan is current with your next payment of $due on May 1, The full payoff amount as of today is $1,with a daily accrual amount of $per dayOnce the payoff payment for the loan is received and the entire loan balance is paid in full, we will release the lien on the [redacted] that is held for collateralWe have reviewed the information being reported on your credit report for this loanOur review determined that the information provided to the credit reporting agencies is accurateThis installment loan is currently being reported as opened with a balance due of $1,Thank you for your patience while we researched this matter for youWe truly value your business and we certainly hope you will consider using Fifth Third Bank for your financial needs in the futureIf I may be of further assistance to you, please call me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Lisa S.Office of the President Pc: Revdex.com Enclosure: Retail Installment Sale Agreement, payment history

6-28-Hi, Fifth Third Bank has restored my fundsThanks for your help, I appreciate it very muchBest wishes, [redacted]

[redacted] [redacted] *** [redacted] *** Date: May 13, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of your complaint filed with the Revdex.com, regarding your checking account ending in ***We appreciate the time you have taken to express your concerns regarding this matterWe are very sorry if our attempts to explain the Overdraft Coverage policy during your telephone calls with our Consumer Contact Center did not provide the level of detail you desired, or failed to fully address all of your questions and concernsI understand your frustration when this situation occurred and I am sorry for any inconvenience this matter may have caused youWe strive to offer our customers products that are convenient and beneficial while remaining competitive within the industrySome checking accounts have the Overdraft Coverage option, which allows a customer to complete a one-time debit card transaction or Automated Teller Machine (ATM) withdrawal even if there are insufficient available funds in the account to cover the full amount of the transactionOur records indicate that you accepted Overdraft Coverage for ATM transactions and one-time debit card transactions on January 28, A letter confirming your acceptance of Overdraft Coverage was mailed to you at the address on file at that timeFor your records, I have included a copy of this letterOn April 15, 2016, the balance in your checking account was $Four (4) items totaling $posted to the account that day, creating an ending balance of negative ($18.46)Due to non-sufficient funds four (4) overdraft fees totaling $were assessed and posted the following business dayThe ending balance was negative ($118.46)An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fees assessedOn April 18, 2016, the balance in your checking account was negative ($18.46)The overdraft fees totaling $and three (3) items totaling $posted to the account that day, creating an ending balance of negative ($148.25)Due to non-sufficient funds three (3) overdraft fees totaling $were assessed and posted the following business dayThe ending balance was negative ($259.25)An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fees assessedOn April 22, 2016, you opted out of Overdraft CoverageTherefore, any debit card purchases and ATM withdrawals are declined when there is not enough money in your account, and as a result, will not be charged an overdraft fee for these types of transactionsHowever, Overdraft Coverage for checks and Automated Clearing House (ACH) electronic payments comes standard to your checking accountIf there are insufficient funds in your account when these types of transactions are processed, your checks and electronic payments will be returned unpaid, and are still subject to overdraft feesFor your records, I have also included a copy of this letterElectronic payments do not show as pending against the account during the day because they are not preauthorized like debit card transactionsBecause checks and electronic payments do not have a preauthorized timestamp, these types of transactions are processed at the end of the business dayOn May 5, 2016, the balance in your checking account was $One (1) web initiated payment totaling $posted to the account that day, creating an ending balance of negative ($24.18)Due to non-sufficient funds one (1) overdraft fee of $was assessedThe ending balance was negative ($61.18)An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fee assessedIt was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this accountOn May 9, 2016, a total of $in overdraft fees was waivedIn the interest of customer service, we waived an additional $in overdraft fees on May 11, However, we are not willing to reverse all of the overdraft fees assessed as you have requestedTo prevent an overdraft situation, you have the ability to review your account at an ATM , on our website at 53.com, or by calling our Customer Service Department at ###-###-####If the account becomes overdrawn, we also send you an overdraft notice that includes a detailed breakdown of the day’s transactionsFor your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft SolutionsThis guide provides additional information related to the overdraft fees that we assessed to your accountWe also offer ways to track your balance and manage accounts to help avoid overdraft fees on your accounts in the futureThe guide also explains Overdraft Protection, which is different from Overdraft CoverageOverdraft Protection is the service you mentioned that allows you to link another Fifth Third account to your checking account to transfer funds to cover transactions when there are insufficient funds in your checking accountWe sincerely hope this information will help you understand the Bank’s position going forward and resolve your needsIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Elizabeth J.Office of the President Enclosures: Overdraft Coverage Notices and Overdraft Solutions

[redacted] [redacted] *** [redacted] *** Date: December 18, Account: [redacted] Regarding Your Platinum MasterCard Dear [redacted] : We received a copy of your complaint recently filed with the Revdex.com (Revdex.com), regarding your recent experience when paying your Platinum MasterCard accountFifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused youIn researching your concerns, we found that after you had discussed this matter with a member of our Customer Care Team, the interest charges and late fees were reversed on November 21, I have also confirmed that an update has been sent to the credit reporting agencies to request they remove the late marks which posted to this account associated with the August payment errorPlease allow approximately thirty (30) days for the credit reporting agencies to process this updateAdditionally, I have confirmed that the card has been closed and will report as Closed at Customer’s RequestIf you would like to contact the credit reporting agencies directly, their contact information is below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We strive to provide professional and accurate service to our customers and I regret that the service you received did not meet that same high standardCustomer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customersPlease be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns [redacted] , I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a responseIf I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Sarah S.Office of the President Pc: Revdex.com

[redacted] [redacted] *** [redacted] *** Date: August 25, Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com regarding your Fifth Third Bank Essential checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matterYour comments expressing less than quality service are very concerningWe strive to provide accurate and professional service to our customers and I regret if this is not the level of service you receivedOn behalf of the Bank, please accept my sincere apology for any inconvenience or frustration this matter has caused youYou can avoid overdraft situations by always making sure you have sufficient funds in your account to cover all of the debits you makeWe have services available to help you keep track of your account balance and the money you have spentThese include: [redacted] Logging on to 53.com [redacted] Using the mobile app [redacted] Text or email alerts [redacted] A Fifth Third ATM [redacted] Calling ###-###-#### [redacted] Visiting a banking center We also offer several options that may help you manage times when you are facing an overdraft situationThese options include Overdraft Protection and Overdraft CoverageAn overdraft occurs when you do not have sufficient funds in your account to pay your transactionsOverdraft Protection is a service where we link your checking account to a Fifth Third Savings account, line of credit, or credit cardIf your account becomes overdrawn, available funds from one of those accounts will automatically transfer to your checking account and a one-time $transfer fee will be assessedYour letter complaint mentioned that you had Overdraft Protection, but I have confirmed you are not currently enrolled in Overdraft Protection or have a secondary account to link to your checkingAn additional service offered is Overdraft CoverageYou have the option of enrolling in Overdraft Coverage for Automated Teller Machines (ATM) transactions and everyday debit card purchasesIf you opt-out and attempt to authorize your card for an amount more than the balance in your account, the transaction will be immediately declinedIf you oto Overdraft Coverage, your card may be approved beyond the balance in your account, and the transaction will be subject to overdraft feesAs part of this service, we do authorize and pay overdrafts for the following types of transactions at the Bank’s discretion: [redacted] Checks and other transactions made by using your checking account number [redacted] Automatic Bill payments Our review of your checking account determined you have opted to accept Overdraft CoverageYou may change your Overdraft Coverage preference selection anytime by the following ways: [redacted] Visiting a Fifth Third banking center [redacted] Online at 53.com/accountmanagementservices [redacted] By phone, ###-###-#### Please note that opting out of Overdraft Coverage does not guarantee that the checking account will not be overdrawn, but it does guarantee that the checking account will not be assessed an overdraft fee for any ATM or debit card transactions that posts to the account while it has a negative balancePlease find enclosed a copy of the last six (6) checking account statements for your reviewPlease note as of August 23, 2017, your account had a negative balance of ($648.69)In addition, the account has been overdrawn for forty-seven (47) consecutive daysIf the account remains overdrawn for fifty-five (55) consecutive days, the Bank may charge off the account and send the debt for collectionThe negative account information may be provided to ChexSystems, a debit bureau reporting agencyFifth Third Bank processes transactions at the end of each business dayThis does not include Saturdays, Sundays, and Federal HolidaysTransactions are posted in the following order: Credits and deposits made prior to the end of the cut-off time, subject to our Funds Availability PolicyTime-stamped debits, such as ATM withdrawals and debit card purchase, in the order in which they are receivedAll other debits including checks, and electronic bill payments, in the order of largest amount to smallest amountFees and service charges in the order of the largest to the smallest amountI have enclosed a copy of our current Rules and Regulations for your reviewPlease refer to pages thirteen (13) through sixteen (16) for additional information regarding account overdraft calculation, Overdraft Coverage and Overdraft ProtectionWe recommend that customers keep a ledger to track all transactions, including checks they have written, so that they can know if there are items that have not posted and can plan accordinglyUpon receiving your complaint, we have researched your most recent overdraft occurrenceIn addition to the last six (6) checking account statements, please find enclosed copies of the overdraft notices mailed to your attentionThe overdraft notice is mailed to customer’s to alert them to the negative ending balance in your checking account and also to alert you to any possible fees that may be assessed based on the activity in your checking accountOn July 6, 2017, the ending balance in your checking account was $On Friday, July 7, 2017, six (6) debits posted to your checking account in the following order: [redacted] July 6, 2017, 11:PM Merchant Payment $Paid No fee [redacted] July 7, 2017, 12:AM Jeanie Withdrawal $Paid $fee [redacted] July 7, 2017, 1:AM Merchant Payment $Paid $fee [redacted] July 7, 2017, 12:PM Merchant Payment $Paid $fee [redacted] Non 5/Cash Withdrawal fee $Paid [redacted] Non 5/Balance Inquiry fee $Paid As noted in the enclosed overdraft notice dated July 10, 2017, the ending balance in your checking account on Friday, July 7, 2017, was negative ($11.31)The three (3) overdraft fees assessed on July 7, 2017, posted to your checking account the next business day, Monday, July 10, In addition to the $overdraft, fees that posted to your account on July 10, 2017, eleven (11) debits posted to your accountThe ending balance in your checking account on Monday, July 10, 2017, was negative ($452.69)As a result of the negative balance and the transactions posting to your account on July 10, 2017, you were assessed $in overdraft fees on July 11, The ending balance in your checking account on July 11, 2017, was negative ($637.69)An $monthly service charge posted to your account on August 7, 2017, which resulted in the current negative balance of ($648.69) in your checking accountAlthough the above overdraft occurrences and associated fees were not the result of a bank processing error, I have reversed $in overdraft fees as a courtesy to youThese funds are immediately reflected in your balanceAdditionally, you mentioned in your complaint that you were upset about the multiple emails and texts notifying you of your low balance or overdraft occurrencesYou have the ability to change your alert preferences any time by logging on to your Online Banking or Mobile AppI have confirmed you are currently enrolled and opted in to the following account alerts: [redacted] Mobile App and Email Low Balance alerts when your available balance is below $ [redacted] Mobile App and Email Purchase alerts for all card purchases above $ [redacted] Mobile App and Email Transaction alerts for all online, phone, or mail purchases [redacted] Email alerts for Overdraft Notices In researching your concerns, we were unable to determine a credit that incorrectly posted to your checking accountIf you can provide additional information regarding the posting error, please provide the documentation to me at the following address: Fifth Third Bank Kingsley Drive MD: 1MOCOP Cincinnati OH Alternatively, you can fax the documentation to my attention at ###-###-####Upon receiving the documentation, I will be happy to research and respond to your concernsThank you for your patience while we researched this matter for youYou are a valued customer, and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Sarah S.Office of the President PC: Revdex.com Enclosure(s): Statements, Rules and Regulations, Overdraft Notice

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 I have also explained to the bank that if my name was still on the account the matter was not handled correctly because I had no access to the account and the afore mentioned letters were never sent to meNo this is not satisfactory and their internal research has not shown diligence in them trying to reach me regarding this matter AgainI would like for this vendor to remove my name from [redacted] along with any derogatory information they have falsely posted Regards, [redacted]

[redacted] [redacted] *** [redacted] *** Date: October 19, Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted] : We received the feedback you submitted through the Revdex.comThank you for taking the time to share your experienceYour feedback is important so that we can better understand how to improve our service to youYour positive comments have been forwarded to the relevant partiesI apologize for any inconvenience caused because we do not accept a telephone payment for a vehicle loan payoffCustomers can use the following methods to send in a payoff: [redacted] Mail their payoff check to a specific mailing address which is different than the mailing address; [redacted] Make a payment inside of a Financial Center; [redacted] Wire transfers are accepted, but require specific routing information to be properly posted; [redacted] transfers are accepted; [redacted] Send the payment using another bank’s online bill payment service, although it must be sent to the specific payoff mailing address; [redacted] If the customer is using our Auto BillPayer service, the final payment amount will be automatically deductedI apologize if you were not provided with all of the available options to send in your final paymentYour payoff was received on September 25, The loan is now closed and at a zero (0) balanceAn overpayment refund of $was sent to the above address on October 11, You were a valued customer and I appreciate this opportunity to address your concernsIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Alison S.Office of the President Pc: Revdex.com

[redacted] *** [redacted] *** [redacted] *** Date: March 5, Account: [redacted] Account: [redacted] Regarding Your Credit Card Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.com regarding your credit cardWe appreciate the time you have taken to document your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfactionWe have completed a review of your account ending in ***Our records indicate that a case was opened with our Dispute Resolution Department on July 10, On July 11, 2017, a letter was mailed to you from our Dispute Resolution Department requesting that you sign and return the Declaration of Fraudulent ActivityAs you are aware, the document was not returned to us until October 31, Because the Declaration of Fraudulent Activity had not been returned, your case was closed on September 13, I have enclosed the letter mailed to you by our Dispute Resolution Department, which advised that your claim had been deniedI have confirmed that, following the receipt of the signed Declaration of Fraudulent Activity on October 31, 2017, your case was reopenedAfter the case was reopened, our investigator made several attempts to contact you at the telephone numbers on file for additional informationAs the investigator was not able to contact you, the case was closed on February 5, We regret any difficulty this may have caused youAt this time, we are outside of the timeframe to assist you with disputing these transactions as they occurred more than one hundred and eighty (180) days agoAfter your dispute was filed, your card ending in [redacted] was closed and replaced by the card ending in ***As your dispute was not approved, you are responsible for the balance on the accountAs of February 28, 2018, the balance on the account is $4,I have enclosed a copy of the most recent account statement, which explains that a minimum payment in the amount of $is due on March 17, Thank you for your patience while we researched this matter for youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Jennifer M.Office of the President Pc: Revdex.com Enclosures: Letter Dated September 13, 2017, Statement

[redacted] , *** [redacted] *** Attn: *** [redacted] [redacted] *** [redacted] *** Date: November 16, Account: [redacted] Regarding Your Recent Experience Dear [redacted] : We received a copy of the complaint you recently filed with the Revdex.com (Revdex.com) regarding your recent experience with Fifth Third Bank and [redacted] , [redacted] We appreciate the time you have taken to express your concerns regarding this matterPlease know, our records do not indicate that you are listed on the [redacted] , [redacted] Merchant Services Account associated with this matter; because of this, a separate acknowledgement of this matter has been sent to *** [redacted] On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused youPlease be assured we have partnered with [redacted] , [redacted] to review the issues you have brought to our attention surrounding the [redacted] , [redacted] Merchant Processing Agreement that was in place associated with your Regular Business Checking account ending in ***Regarding your request to be reimbursed for the fax you sent to the Bank on September 29, 2017, we have enclosed a check in the amount of $I hope this meets with your satisfactionAt Fifth Third Bank we strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations with the interactions you had during our partnership to service your accounts with [redacted] , [redacted] I also want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations [redacted] , I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a responseIf I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Sarah S [redacted] Office of the President Pc: Revdex.com Enclosure: Reimbursement Check

Please find attached a copy of the letter being sent to [redacted] Thank you*** [redacted] [redacted] *** [redacted] *** Date: July 7, Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted] : We received a copy of the complaint filed on your behalf by Ryan Jaynes with the Revdex.comWe are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concernsThe Bank is continually working to improve the collection of checks and the availability of funds for withdrawalThe Federal Government has established regulations regarding the handling of depositsA “Business Day” is defined as Monday through Friday, excluding Federal Holidays or as otherwise posted in the Banking CenterFor deposits made on Saturday, Sunday, or a Federal Holiday, the day of your deposit is the next Business DayFunds received after certain cut-off times for certain channels and products may be credited as of the next Business DayFor your convenience, I have enclosed a copy of our Rules and Regulations booklet, which you would have received at the time that your account was openedPage two (2) outlines our deposit terms, and pages nine (9) through twelve (12) outline our funds availability policyTypically, a combined $from all deposited checks is available immediately on the day of your depositThe remaining funds will be made available on the next business dayThe availability of funds does not guarantee that the check has cleared the bank that it is drawn on, or that the check is authenticAll items for deposit, although provisionally credited, are subject to proof and collectionUntil the proceeds are actually received by the Bank, or until such items become final under applicable law, the items can be returned and charged back to your accountYou made a mobile deposit of $2,on Friday, June 16, 2017, and $of the deposit was available immediatelyThe deposited item was removed from the checking account on June 21, 2017, and a $Return Deposited Item Fee was assessed to the accountI confirmed that no overdraft fees were assessed to the account as a result of the returned depositAs a courtesy to you, the $fee was reversed and credited back to the account on June 22, We certainly sympathize with the fact that you believed the item to be legitimateHowever, the depositor is ultimately responsible for the items deposited into their accountIt is certainly not our intention to cause you any hardship or frustrationBased upon our review, we find that the Bank has complied with all applicable laws and regulations; therefore, we will not be offering you any additional compensationYou are a valued customer and I appreciate this opportunity to address your concernsIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Alison S.Office of the President Pc: Consumer Financial Protection Bureau Enclosures: Rules and Regulations booklet

[redacted] [redacted] *** [redacted] *** Date: March 22, Regarding Your Mortgage Loan Application Dear [redacted] : We received a copy of the complaint filed with the Better Bureau Bureau concerning your recent Fifth Third Bank mortgage loan applicationWe appreciate the time you have taken to document your thoughts and concerns regarding this matterWe would like to offer our sincere apologies for any inconvenience this matter may have caused youPlease be assured that Fifth Third Bank takes your feedback regarding your experience very seriously, and I have contacted the relevant parties to pass on your concernsOur Mortgage Loan Originators strive to provide professional and accurate service to each and every customer they assist throughout the dayI am sorry if your experience did not meet the same high standardWhile Fifth Third Bank is a mortgage servicer, FHA (Federal Housing Administration) insures many of the mortgage loans that we originateThe Federal Housing Administration has numerous guidelines we are required to follow for their loan productsIf any documentation does not meet FHA guidelines for the loan product then the requirements and disclosures may adjust accordingly or the application may be declinedOn December 18, 2015, we received your application for a thirty (30) year FHA mortgage loan for $98,On December 18, 2015, you were provided with a mortgage pre-qualification letterIt was later determined that you did not qualify for the FHA mortgage loanWhen the application was initially submitted, your student loan payments were excluded since the payments were deferred for four (4) yearsIt was later determined that your student loan payments would need to be included in your debt total, using two percent 2% of the outstanding balance as the monthly paymentTherefore, when the application was submitted again with the student loan payments, you did not qualify for the FHA mortgage loanI regret that you were told otherwiseOnce your concerns were brought to our attention, we contacted senior management in the [redacted] affiliate to review this matterThe decision was made to either offer to reimburse you for the earnest money you put down on a property, if you were unable to get the funds refunded, or to approve you for a new mortgage loan with the same terms as the FHA mortgage loan in which you appliedYou advised Shellie S., Mortgage Loan Originator, that you were already refunded for the earnest money and that you decided you are no longer interested in purchasing a homePlease accept our sincerest apologies for the frustration this matter has caused youWe truly value your business and look forward to serving their financial needs in the futureIf I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####Sincerely, Lisa SConsumer Resolution Specialist Office of the President Pc: Revdex.com

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint This company has not resolved my dispute, no offer has been made, Adam P [redacted] called me to tell me he was sorry and that he would get me my money and to call with additional questions,I called back twice and no responseI then get a letter in the mail stating why I cant get what I am supposed to getAdam P [redacted] is responsible for his employees actions EVEN WHEN THEY ARE WRONGYou cannot fault me because Cheryl Mrelayed the wrong message to me, Cheryl said I would receive the money so I am STILL WAITING ON MY $and wont stop until I get itI produced my evidence and as I said, the customer is always rightYou guys are at fault and I know you have contingency accounts,all businesses do so this would fall under a loss for you guys and you can use $out of that account to pay me Regards, [redacted] ***

[redacted] [redacted] ** [redacted] *** Date: April 14, Account: [redacted] Regarding Your Mortgage Loan Dear [redacted] : We received a copy of the letter you sent to the Revdex.com regarding your mortgage loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfactionAs you may already be aware, you have the right to request that PMI be canceled on or after the following dates: The date the principal balance of your loan is first scheduled to reach eighty percent (80%) of the original value of the propertyThis date is April 1, The date the principal balance reaches eighty percent (80%) of the original value of the propertyWhen your loan is eligible to have PMI canceled, you must be able to meet all of the following requirements: You submit a written request to have PMI canceled on your loanThere must be a good payment history as defined in the Notice Concerning Private Mortgage InsuranceYou must be current on your loan payments at the time of the request to have PMI canceled on your loanThe Bank receives, if requested and at your expense, satisfactory evidence to the holder of your loan that the value of your property has not declined below its original value, and certification that there are no subordinate liens on the propertyOn March 31, 2016, we received your written request to cancel PMI on your mortgage loanOn April 1, 2016, we sent a letter explaining that PMI could not be cancelled on the loan at that timeThis is because the loan to value ratio at that time was ninety six point six percent (96.6%)Please also note that, in determining if PMI can be canceled, the Bank uses either the lesser of the appraised value of the property at loan origination or the sale price of the property at loan originationIn calculating the current loan to value ratio for the purpose of determining if PMI can be canceled on your loan, we used the appraised value of the property at loan origination of $184,and the current outstanding principal balance owed on the loan of $178,Your current loan to value for the purposes of determining if PMI can be canceled on your loan is ninety six point forty four percent (96.44%)Since the current loan to value is still greater than or equal to eighty percent, PMI cannot be canceled at this timeThe replacement value of a home provided by a Homeowner’s Insurance Policy cannot be used to determine the loan to value ratio for the purpose of determining if PMI can be canceled on your mortgage loanAdditionally, nearby comparable home sales cannot be used to determine if PMI can be canceled on your loanPlease note that the rules concerning PMI are derived from guidelines established by the federal investor that owns your loanThe federal investor that owns your loan is Freddie MacIf you would like to contact Freddie Mac directly, please contact them at the address listed below: Freddie Mac Jones Branch Drive Mclean VA You can also find additional contact information for Freddie Mac online at www.freddiemac.comI want to be sure you are aware that you may still be able to have PMI canceled on your loan with a new appraisal of the propertyIf you would like to pursue this as an option, please complete the enclosed appraisal consent form and fax it to ###-###-####Please note that if the Bank uses a new appraisal as the value of your property in determining if PMI can be canceled on your loan, the following conditions must be met: [redacted] The appraisal must be ordered by the Bank; it cannot be ordered by the borrower [redacted] The borrower must pay for the cost of the Bank approved appraisal; the cost for a Bank approved appraisal normally ranges between $and $ [redacted] The loan will need to be at seventy five percent (75%) of the new appraised value of the property [redacted] The property must be either a Single Family Home or Second Home; it cannot be a rental property [redacted] The loan must two (2) to five (5) years old For reference I have enclosed the information you received at loan closing regarding Private Mortgage InsuranceThe document is titled Notice Concerning Private Mortgage Insurance and further explains the information outlined in my letterAdditionally, please also find the enclosed letter that we sent on April 1, 2016, which further explains why the Bank is unable to cancel PMI on your loan at this timeIf you have additional questions please call the Bank’s Customer Service Department at ###-###-####, Monday through Friday, a.mto p.m., ETIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Adam P.Office of the President PC: Revdex.com Enclosures (3): Appraisal Request Form; Notice Concerning Private Mortgage Insurance; PMI Cancellation Request Denial Letter

[redacted] [redacted] *** [redacted] *** Date: May 31, Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com (Revdex.com) regarding your mortgage loanWe appreciate the time you have taken to express your concerns regarding this matter, and we sympathize with the difficulties you have experiencedPlease be assured we have researched this matter fullyI 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’ satisfactionThank you for taking the time to speak with me on May 22, 2017, regarding this matterIn your complaint and during our telephone conversation you stated you were unsure how and where to make a mortgage payment while you were in [redacted] On behalf of the Bank, please accept my sincere apologies for the difficulties you experienced trying to contact our customer service department at ###-###-####We have reviewed the call you made to the Bank on May 22,The agent correctly informed you that your due date is the first of every month, and your mortgage loan has a fifteen (15) day grace periodThe grace period does not change your due date; however, you will not receive late charges if your payment is made within the grace periodPlease note you can make a mortgage payment at any Fifth Third Bank banking centerFor your records and convenience, please find enclosed a copy of the payment history and your NotePlease note page one (1), item three (3) of your note titled Payments, which states: I will make my monthly payment on the 1st day of each month beginning September 1, I will make these payments every month until I have paid all of the principal and interest and other charges described below that I may owe under this NoteEach monthly payment will be applied as of its scheduled due date and will be applied to interest and other items in the order described in the Security Instrument before PrincipalIf on August 1, 2045, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the “Maturity Date.” I will make my monthly payments at P.OBox 630170, Cincinnati, OH or at a different place if required by the Note HolderOur research confirmed the Collection Department attempted to contact you nineteen (19) times to alert you to the mortgage loan payment being past dueHowever, the Collection Department was unable to reach you between April 12, 2017, and May 2, On May 5, 2017, the Bank received and posted your mortgage paymentThis payment satisfied your payment due April 1, This payment was received thirty-five (35) days after the due date and has been reported to the credit reporting agencies as past thirty (30) days lateWe have completed our review of the payment history reporting on your credit report for your mortgage loanOur review determined that the information provided to the credit reporting agencies is accurateWe regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to correct prior negative reportingYou may wish to consider using Auto BillPayerAuto BillPayer enables you to have payments automatically deducted from your checking or savings account each month on the due date or any date within the grace period, thereby, eliminating the need to mail your payments or bring them to a branch locationIf you are interested in enrolling in Auto BillPayer, please contact the Auto BillPayer Department at ###-###-####If you utilize Auto BillPayer and a payment date is setup every month during the grace period, our Collection Department will not contact you during the grace periodIf 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 youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Patrick S.Office of the President PC: Revdex.com Enclosures

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , I am not going to pursue this matter further The bank's response was much the same as what they told me directly, full of twisted truths and flat out falsities They continue to say I was not enrolled in auto-pay (I was), because that absolves them of any accountability.At any rate, I appreciate your efforts in this matter Revdex.com Regards, [redacted]