PROCORPSA

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.  My agent has faced the letter along with your required information multiple times. I have called to confirm with your insurance department and each time I am told they have not received any letter. I had her fax to the number provided in the last answer. Please contact [redacted] at [redacted] ###-###-#### to clear the matter up since your insurance department refuses to help. I will consider it resolved at that point. 
Regards,
[redacted]

[redacted] Date: April 8, 2017 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your vehicle installment...

loan. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Your vehicle installment loan was paid in full and closed with a zero balance owed on June 16, 2011. On June 17, 2011, the Bank mailed the release of lien documentation to you. On April 21, 2017, you contacted the Bank to request a copy of the release of lien documentation. Per your request, a copy of the release of line documentation was mailed to you on April 24, 2017. On May 1, 2017, you contacted the Bank to request a copy of the release of lien documentation that you requested on April 21, 2017. At that time, you explained to the Fifth Third Bank employee assisting you that you did not receive the copy of the release of lien documentation that was mailed on April 24, 2017. The employee assisting you stated that the information could be faxed to you and you provided your fax number on May 2, 2017. The release of lien documentation was faxed to you on May 4, 2017, and you confirmed receipt of the information at that time. 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

[redacted] Date: December 18, 2017 Account: [redacted] Account: [redacted] Regarding Your Fifth Third Accounts Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com. We appreciate the time you have taken to express your concerns regarding this matter. I also appreciated the opportunity to speak with you. As we discussed, a check for $200.00 was deposited into the savings account on November 7, 2014. The funds were transferred to the checking account. The check was returned for insufficient funds on November 13, 2014, which overdrew the savings account. I have enclosed copies of your checking account statements from November and December of 2014. The checking account had a balance of $441.38 at the end of the business day on November 7, 2014. After several debit card purchases and a cash withdrawal, the ending balance on November 10, 2014, was $77.23. There were no transfers done to move funds from the checking account back to the savings account. The checking account was closed on December 2, 2014. After reviewing this additional complaint, we stand by the response conveyed to you in the previous letter sent on November 21, 2017. I have enclosed a copy of that prior correspondence for your review. If you have documentation that you believe indicates the debit bureau reporting on this account is incorrect, please forward that paperwork to the following address: Fifth Third Bank 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####, or contact me using the information below. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S. Office of the President Pc: Revdex.com Enclosure: Previous Response Letter, Statements

[redacted] Date: November 25, 2015 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com concerning your vehicle installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. According to our records, the Deferment Agreement that you accepted states that the payments due on August 9, 2015, and September 9, 2015, would not have to be made on those dates. The payments deferred on those dates would be owed at the end of the loan term. The Deferment Agreement states that next payment was due on October 9, 2015. A copy of the Deferment Agreement in enclosed for your review. Per the enclosed copy of the Bank’s Rules and Regulations, a copy of which was also provided when your account was opened, when you owe the Bank a debt on one of your accounts, the Bank has the right to transfer funds from another account you are an owner of to cover the debt owed to the Bank. Specific information about this can be found on page eleven (11) paragraph seven (7) of the enclosed copy of the Bank’s Rules and Regulations. Since we did not receive the payment that was due on October 9, 2015, we debited your checking account ending in 4979 on November 16, 2015, in the amount of $375.31, for the total amount that was due on your loan at that time. We regret any inconvenience this may have caused you. Please also be aware that on June 26, 2015, our Collections Department received a verbal Cease and Desist request from you. Per this request, the Bank was not able attempt to contact you on the telephone regarding the past due status of your loan. If you would prefer that the Bank contact you on the telephone when your loan is past due for payment, you can certainly contact our Collections Department to have the Cease and Desist status removed from your loan. To do so, please contact our Collections Department 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 apologize for the level of service you received when you contacted our Collections Department regarding this matter. We strive to professional and accurate to service to all of our customers and we regret if this has not been your experience. We also regret that we were not able to take $50.00 of the payment that was debited from your checking account on November 16, 2015, and deposit it back into your checking account. Please be aware that if this could have been done, it could have resulted in the further delinquency of your loan. I also want to make sure you are aware that there is not a fee to close your checking account. While we truly value your business, you can certainly close your checking account at any time. There is not an account closure fee associated with your checking account. There is also not an account closure fee associated with your Access 360 prepaid debit card. If you wish to close your checking account or your Access 360 prepaid debit card accounts, please visit your nearest Fifth third Banking Center for assistance. As of November 23, 2015, your loan is current. Your next payment of $194.09 is due on December 9, 2015. [redacted], if I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P. Office of the President PC: Revdex.com Enclosures (2): Rules and Regulations; Deferment Agreement

[redacted] Date: December 17, 2015 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com concerning your Essential Checking account. We appreciate the opportunity to respond to this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the response conveyed to you in our previous letter sent to the above address on December 9, 2015. Our position on this matter has not changed. As we previously mentioned, because transactions continued to occur, we were unable to close the account as you had requested. Once the account balance is zero and without pending transactions, you may request the account closure by visiting your local banking center or by contacting our Customer Service Department at [redacted] Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. It should also be mentioned that because the transactions that were presented after the requested account closure were previously authorized by an account holder, the Bank is obligated to honor them. The only way to prevent these transactions would be to request a stop payment for any ACH transactions or checks that were written, and had not yet cleared the account. Prior to account closure, the account holders are responsible for making sure that all previously authorized payments are cleared. Thank you for your patience while we researched this matter for 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, April Q. Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

The permanent address we have on file for the customers is [redacted], the mailing address is [redacted]. The coupon book would have been sent to [redacted]. If the customers need to make changes to the addresses they have on file they can visit a 5/3 Banking Center, call the Customer Service Department, or myself, to make sure that this is properly updated. The Customer Service Department can be reached toll-free at ###-###-####, Mondaythrough Friday: 7:00 a.m. to 8:00 p.m., Saturday 8:30 a.m. to 5:00 p.m., ET. I can be reached at ###-###-#### or toll free at ###-###-####, Monday throughFriday, 8 a.m. to 6 p.m., ET.Thank you for helping with this,________________________________________________________________Sarah S.| Consumer Resolution Specialist | Office of the PresidentFifth Third Bank | 5050 Kingsley Dr. Cincinnati OH 45263 | MD 1MOCOP

[redacted] Date: April 13, 2016 Account: [redacted] Regarding Your Fifth Third Bank Real Life Rewards [redacted] Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau regarding collection calls and your Real Life Rewards [redacted]. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. It was certainly not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. If a payment does not post by the due date, it is subject to collection activity. The Bank’s guidelines for contacting customers allow for telephone calls seven (7) days a week from 8 a.m. to 9 p.m., including holidays. Several calls may be placed each day in an effort to remind customers that a payment is due and to obtain payment arrangements to prevent late fees or derogatory credit bureau reporting. On January 18, 2016, the Bank sent your credit card statement indicating a minimum payment of $35.00 due by February 15, 2016. I have enclosed a copy of this statement for your records. The Bank did not receive a payment by February 15, 2016. Therefore, on February 16, 2016, a $35.00 late charge posted to your credit card account. The next credit card statement was generated on February 18, 2016. This statement shows the late charge, and indicated a minimum payment due of $99.00 by March 15, 2016. The Bank did receive and posted a payment for $40.00 on February 19, 2016. The Bank also received and processed a $40.00 payment on March 9, 2016. Please note, the two (2) payments did not satisfy the minimum payment due of $99.00, and a $35.00 late charge posted to your credit card account on March 16, 2016. Your next statement generated on March 18, 2016. This statement shows the late charge, and indicates a minimum payment due of $84.00 by April 15, 2016. Included in this payment is a past due amount of $19.00. Please note if you do not make your minimum payment for two (2) or more consecutive billing cycles, the Bank may revoke your ability to make purchases. After receiving your letter, we confirmed that the collection department had processed a cease and desist based on your telephone request on April 8, 2016. You will no longer receive telephone calls regarding the delinquent status of your Real Life Rewards [redacted] account. Please note that this does not stop other collection activity related to delinquency, including late charges, finance charges, or reporting to the credit bureaus. For your convenience, the Bank offers Auto BillPayer. Auto BillPayer will automatically transfer your monthly payments from your checking account towards your credit card at no additional charge. Many of our customers appreciate the convenience of Auto BillPayer, which eliminates the need of telephone payments, check writing, or mailing your payments. Auto BillPayer also makes your monthly payments on time each month to prevent the added cost of late charges. Should you have any additional questions concerning Auto BillPayer, you may contact Auto BillPayer at ###-###-####, Monday through Friday, 8 a.m. to 5 p.m., ET. We have completed our review of the payment history for your credit card. Because your payments have not posted to your credit card more than thirty (30) days past due, the payment activity has not been reported to the credit reporting agencies. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### It was not our intention to cause you any frustration or an undue hardship. On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused you. If I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Credit Card Statements

[redacted] Date: February 7, 2018 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: Thank you for contacting the Bank concerning your Essential Checking account. We received a copy of the rebuttal complaint you filed with the Revdex.com. We also received the complaint that you filed with the [redacted] Department of Commerce Division of Financial Institutions. We also received a copy of the complaint you filed with the Federal Reserve. We appreciate the additional 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. However, the Bank stands by the response conveyed to you in our previous letter dated January 30, 2018. Our position on this matter has not changed. I have enclosed a copy of that letter for your convenience. I also want to confirm that your Essential Checking account was closed per your request on February 1, 2018, when you visited our [redacted] Executive Banking Center. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com PC: [redacted] Department of Commerce Division of Financial Institutions Enclosure: Previous Response

[redacted] Date: March 23, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding transactions...

that posted to your checking account. We appreciate the time you have taken to share 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. On June 19, 2015, we received your dispute for two (2) unauthorized debits in the amounts of $300.00 each that posted to your checking account on April 9, 2015, and on April 23, 2015. We opened case # [redacted] and began our investigation. On July 14, 2015, we posted a provisional credit of $300.00 to your checking account while we investigated your dispute. Your account was also credited $629.00 on June 23, 2015, for the related overdraft fees that were charged to your account. During our investigation, we contacted [redacted] ([redacted]) in order to advise [redacted] of the dispute filed. [redacted] provided our Disputes Department with a copy of a contract in your name. According to the contract provided, on January 12, 2015, you financed $1,000.00 and agreed to make payments of $300.00 to [redacted]. We have confirmed that your checking account ending in [redacted] received a credit of $1,000.00 on January 12, 2015. I have enclosed the checking account statement showing the deposit for your review. Due to the information provided by [redacted], we denied your dispute and reversed the provisional credit of $300.00 from your checking account on July 17, 2015. Please find enclosed a copy of the contract in your name provided by [redacted]. According to the documentation provided, it appears that you initiated this loan with [redacted]. If you still claim that this contract was not authorized by you, you may submit in writing that you did not consent to the provided contract and further explain the credit to your checking account on January 12, 2015, for the proceeds of the loan in question. Please write a letter to further explain your dispute of the transactions with [redacted]. You may mail your letter and any supporting documentation to my attention at: Fifth Third Bank Office of the President Attn: Lisa S. 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 Alternatively, you can fax this documentation to my attention: ###-###-####. Once your letter is received, our Disputes Department can re-open your case and will contact [redacted] to further investigate your claims. Written confirmation will be sent to you from our Disputes Department once their investigation is completed. If you believe that the application with [redacted] was submitted in your name fraudulently, you may want to contact your local law enforcement. They will be able to assist you with completing the necessary documents for any fraud that may have occurred. We appreciate your patience while waiting for a response. 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., EST. Sincerely, Lisa S. Office of the President Pc: Revdex.com Enclosure: Copy of contract, checking account statement

[redacted] Date: July 26, 2016 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, regarding your...

installment loan. Thank you for taking the time to document your thoughts and concerns. We have completed our review of the payment history for your installment loan. Our review determined that the increase to your monthly payments resulted in your inability to provide proof of auto insurance for the vehicle. Because the Bank did not receive proof of insurance for your automobile, the Bank force placed an insurance policy to cover the collateral. I have enclosed your loan closing documents stating you are required to provide proof of insurance to the Bank. Failure to provide proof of insurance, forces the Bank to purchase insurance on the collateral. According to the Security Agreement and Agreement to Furnish Insurance document states, if you fail to obtain, or maintain this insurance, or name us as loss payee, we may obtain insurance to protect our Interest in the Property. We will notify you if we do so. This insurance may be written at a rate higher than a rate you could obtain if you purchased the property insurance required by this Contract. For your most recent lapse in insurance coverage, the Bank notified you three (3) times requesting proof of insurance for this vehicle. I have enclosed all three (3) letters mailed to you in 2015. Please use these notices as verification that the Bank contacted you about providing proof of insurance to the Bank. I have also enclosed a copy of the insurance policy prepared on November 6, 2015. Please note the dates on the policy are from September 7, 2015, to September 7, 2016. Our research has confirmed that this policy has not been cancelled. You have not provided the Bank proof of insurance coverage from September 7, 2015, to March 18, 2016. The premium charged for this lapse of insurance is $923.00. If you can provide proof of insurance coverage from September 7, 2015, to March 18, 2016, your installment loan payment would be reduced to your original monthly payment. The requested documentation can be mailed to the following address: Fifth Third Bank Office of the President Attention: Patrick S. Mail Drop: 1MOCOP Cincinnati OH 45263 For your records and verification, I have enclosed your note and payment history for your installment loan. Please note the interest rate for your installment loan has not changed. As mentioned above, the Bank has placed insurance on your loan on two (2) occasions. The first force placed insurance policy was on August 6, 2015. The premium amount was $1,796.00. The premium was rebated to $1,479.00 when you provided proof of insurance for your installment loan. The amount owed for the first premium after the rebate was $290.00. The premium has been satisfied by the following payments: * September 1, 2015, $42.33 of your payment was applied to your insurance premium. * October 1, 2015, $15.67 of your payment was applied to your insurance premium. * October 23, 2015, $29.00 of your payment was applied to your insurance premium. * November 23, 2015, $29.00 of your payment was applied to your insurance premium. * December 28, 2015, $92.30 of your payment was applied to your insurance premium. * March 4, 2016, $184.60 of your payment was applied to your insurance premium. Please note the March 4, 2016, payment overpaid your insurance premium by $102.90. Upon receiving your complaint, we contacted the installment loan cashiering department who has re-applied this payment to your second force placed insurance premium. On December 11, 2015, the Bank purchased another insurance policy when you failed to provide proof of insurance. As noted in paragraph three (3) the lapse of insurance from September 7, 2015, to March 18, 2016, remains on your installment loan. The premium for the second insurance policy was $1,754.00; however, when the Bank received proof of insurance beginning on March 19, 2016, the premium was rebated $831.00. The amount owed on the second premium was $923.00. Your recent installment loan payments have satisfied a portion of this premium. The following payments have been applied to your insurance premium: * December 28, 2015, $12.38 of your payment was applied to your second insurance premium. * March 4, 2016, $264.52 of your payment was applied to your second insurance premium. * Additionally, the $102.90 overpayment from the first insurance premium was applied to your second insurance premium. * March 25, 2016, $104.78 of your payment was applied to your second insurance premium. * April 25, 2016, $79.82 of your payment was applied to your second insurance premium. * May 25, 2016, $92.30 of your payment was applied to your second insurance premium. * June 29, 2016, $210.63 of your payment was applied to your second insurance premium. With the adjustment dated March 4, 2016, the balance owed on your insurance premium is $61.87. This payment amount is included on the balance owed for your July payment. Your payment of $550.96 was due on June 25, 2016. The Bank received your payment of $275.00 on June 29, 2016. The Bank did not receive another payment within the ten (10) day grace period on your loan. The past due amount of $275.96 was added to the amount due on July 25, 2016. Including the past due payment, and the $9.32 late charge, the amount due by July 25, 2016, is $836.24. Assuming you make the full payment by the end of your ten (10) day grace period, your payment due August 25, 2016, will be $550.96. Assuming you make the regularly scheduled payments, your installment loan payment will be $243.29 beginning with your payment due September 25, 2016. In the interest of customer service, the Bank has agreed to reverse the two (2) late charges assessed to your account in June and July 2016. The $18.32 credit posted to your installment loan on July 26, 2016. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosures: Payment history, Note, Proof of Insurance Letters, Insurance Policy

She has a copy of the letter! I will send confirmation today from my agent but I need a fax number I'm extremely upset at the way this is being handled by Fifth Third Bank because we were told this would be resolved if they had confirmation from my insurance company which they did in the form of a dictated letter. When they received the letter they then changed their requirements to a declaration page. I have spent many many months on this and they find loopholes to not refund my money when they got what they required in the first request. They can not keep going back adding more requirements when we fulfilled the first several! This is highly questionable practices on their part and I don't understand why this can not be resolved by reading their first request that all they needed was confirmation from my insurance company. They got it in a phone call from my agent then they wanted more and got it in a letter now they want even more! What's to stop them from adding another requirement? If you go to the many many review sites on the internet Fifth Third Bank has horrible reviews yet your site has them rated as an A+? I see how it works that you have to keep rejecting their responses and providing endless documentation. This is not set up to help the consumer by any means!

[redacted] Date: January 9, 2017 Account: [redacted] Regarding Your Auto Insurance Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your auto insurance. Your...

feedback is very important to us as it allows us to better understand how we can improve our service to you. To maintain the security of your personal and account information, I am sending this letter to the address we currently have on record for you. I noticed that the address you use in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your complaint. I encourage you to call customer service to make sure your contact information is properly updated. Customer service can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. After receiving your complaint, we confirmed with our Insurance Service Center that they received adequate proof of insurance as required under the terms of your contract for the vehicle securing your auto loan ending in 1636. No additional documentation is needed from you at this time. If you have any additional questions or concerns, please contact our Insurance Service Center at ###-###-####, Monday through Friday, 8 a.m. to 8 p.m., and Saturday, 8 a.m. to 5 p.m., ET. Please be sure to reference number [redacted] when speaking with an agent. You may also visit their website at insuranceservicecenter.com. Please also note that Fifth Third Bank does not repossess vehicles for inadequate proof of insurance. However, if you fail to provide adequate proof of insurance, we may force place insurance on the vehicle, and the premium would be added to your auto loan. I am sorry for any misunderstanding. Thank you for your patience while we conducted our research. 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, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] Date: May 4, 2017 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your installment loan account. 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 April 25, 2017. Our position on this matter has not changed. For your reference, I have enclosed a copy of our previous correspondence. We reviewed the recording of the phone call between [redacted] and our Collection Department. We confirmed that [redacted] provided an account number of [redacted]. The representative read the account number back to [redacted] to verify he had it correctly, and [redacted] confirmed the account number was correct. As a result, the payment was entered. However, the account number was not correct as it was missing a digit. We confirmed that no Bank error took place. The valid late payment that was reported affects all signers on the loan. 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: Previous Response

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] [redacted] Date: May 4, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: Thank you for your follow up telephone call to the Bank as well as your follow up correspondence to the Revdex.com regarding the information reporting on your credit report for your mortgage loan. We appreciate the additional time you have taken to document your thoughts and concerns in this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. During our telephone conversation on April 15, 2016, I communicated to you that [redacted] was correctly reporting the account as part of the foreclosure sale that occurred on May 22, 2013. However, it has been determined after further research that the account should be reporting as part of the Chapter 7 Bankruptcy that was discharged on October 29, 2013. Therefore, on May 4, 2016, we submitted an update to all four (4) credit reporting agencies to correctly report the account as being included in your Chapter 7 Bankruptcy, discharged on October 29, 2013, with a zero balance owed. Please allow approximately thirty (30) days for the credit reporting agencies to update their reporting. Please also be assured that we will continue to conduct reviews and follow up with the credit reporting agencies until we ensure the account is reporting correctly. If you would like to contact the credit reporting agencies directly, their contact information is provided below for your convenience: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We strive to provide professional and accurate service to our customers, and regret any confusion our prior communications may have caused for you. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com

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

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

[redacted] [redacted] [redacted] [redacted] Date: September 1, 2016 Account: [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning a debit card dispute. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On May 31, 2016, you disputed a transaction dated May 26, 2016, for $350.00. The merchant associated with the transaction was [redacted]. For your records, I have enclosed a copy of the letter you provided the Dispute Resolution Department regarding the non-receipt of services from your attorney. I have also enclosed a copy of your checking account statement reflecting this purchase. The Disputes Resolution Department opened case [redacted] to investigate your claims of non-receipt of services. Based on the information you provided in your dispute, our investigators denied your claim. Please note the Bank is unable to reopen the investigation, and the Bank has no dispute rights based on the information you provided to the Dispute Resolution Department. Our position on this matter has not changed and we are unable to further pursue these disputes. You may wish to contact an attorney to determine what civil actions against [redacted] you could pursue at this time. 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 call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President Pc: Revdex.com Enclosures: Disputes Letter, Statement

[redacted] [redacted] [redacted] Date: June 13, 2017 Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Accounts Dear [redacted]: We received a copy of the letter you sent to the Revdex.com...

concerning your accounts. 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 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 customer satisfaction. On May 27, 2017, your Secured [redacted] ending in [redacted] was closed per your request. Although the account was closed on May 27, 2017, the $300.00 hold on the funds in your Goal Setter savings account ending in [redacted], which were used to provide the credit limit for your Secured [redacted], was not removed. Therefore, on July 7, 2017, the hold on the funds in your savings account was removed and the $300.00 in the savings account was used to pay the balance owed on the card. Since the balance owed on the card on July 7, 2017, was $304.70, I reversed interest charges on the card totaling $4.70 to bring the balance owed on the card to $300.00, so the $300.00 in your savings account could be used to pay off the balance owed on the card. I also want to ensure that you are aware that, I verified that there has been no negative credit reporting of your Secured [redacted] as of July 11, 2017. Additionally, the card is correctly reporting as closed as of May 2017. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### On March 28, 2017, you contacted our Disputes Resolution Department to dispute the $169.79 charge from T-Mobile that originally posted to your Express Banking account ending in [redacted] on March 27, 2017. On March 31, 2017, our Disputes Resolution Department issued a provisional credit to the account for $169.79. The account was also credited the $169.79 on April 12, 2017. Since the account was credited the $169.79 on April 12, 2017, the provisional credit from our Disputes Resolution Department was removed from your account on May 12, 2017. On May 12, 2017, this left your account balance negative ($169.79). Because the account remained overdrawn in excess of fifty-five (55) days, the account was charged off and closed by the Bank on July 6, 2017.  The account was also forwarded for collection efforts to a company called [redacted] Interstate, subsidiary of IQOR on July 6, 2017. Since you did not receive a final credit for the disputed charge, I contacted our Disputes Resolution Department and our Disputes Resolution Department took the necessary actions to correct the matter by retrieving the account from [redacted], deleting the balance owed on the account, and deleting the ChexSystems record of the charged off account. In short, no balance is owed on the account and the negative reporting of the account to [redacted] was deleted. For verification of the actions taken by the Bank to resolve this issue, enclosed is a copy of the letter dated July 10, 2017, notifying you that [redacted] is no longer collecting on the account and that the [redacted] record has been deleted. Regarding your request for a credit card with the Bank, during our telephone conversation on July 6, 2017, you explained that you would apply for a Fifth Third Bank credit card. On July 7, 2017, we received your online application for a Fifth Third Bank credit card. Unfortunately, the application was declined. Since the application was declined, you will receive an adverse action from the Bank which will explain the why the application was declined. The adverse action notice will be sent to you on approximately July 20, 2017. [redacted], you are a valued customer of the Bank and I appreciate this opportunity to respond to your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosure: Letter Dated July 10, 2017

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Fifth Third Bank,I will contact that dealership and have them forward the letter requested. Thank you for replying, we'll be in touch.