PROCORPSA

[redacted] Date: September 7, 2016 Account: [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com regarding your debit card dispute. We appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration you may have experienced. However, we stand by our previous responses sent to the above address on September 1, 2016. I have enclosed a copy of our previous written response for your review. Our position on this matter has not changed. As mentioned in our prior response, the Dispute Resolution Department opened case [redacted] to investigate your claims of non-receipt of services. Specifically, that you had paid an attorney for services that you believe were not performed. Based on the information you provided the Dispute Resolution Department, your claim was denied. I hope this correspondence cleared up any outstanding questions you had related to this issue. We truly value your business, and we look forward to continuing our banking relationship with you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosures: Prior Response

[redacted] Date: July 28, 2017 Regarding Your Recent Credit Card Application Dear [redacted]: We received a copy of the additional comments you submitted to the Revdex.com. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. On July 7, 2017, we received your online application for a Fifth Third Bank credit card. While we would like to extend credit to each borrower that applies, it is not always possible for us to do so. We carefully reviewed your credit profile; however, it did not meet our current criteria for lending. On July 21, 2017, we sent a notice to the address on file informing you of our reasons we declined your credit card request. Specifically, these reasons were: ** Insufficient credit references; ** Serious delinquency, and derogatory public record or collection filed; ** Proportion of balances to credit limits too high on revolving accounts. We already confirmed for you that there has been no negative credit reporting of your Secured [redacted] ending in [redacted] as of July 11, 2017. Additionally, the account is correctly reporting as “Closed at Consumer’s Request.” Your [redacted] credit report was used for this application. While we are unable to provide you with any additional information contained within that consumer-reporting agency’s report, you have the right to know the information contained in your credit file. Information on how to contact [redacted] and request a free copy of your report is provided on the enclosed notice. Please note that a past denial does not mean that future credit card applications will be denied. You are welcome to re-apply at any time. A future application will undergo our standard review according to current underwriting guidelines in order to ensure fair and responsible lending. If you believe that your circumstances have changed and you would like to apply for a credit line, we encourage you to contact us at ###-###-####, online at 53.com, or visit your nearest Fifth Third Bank Financial Center. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter 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

[redacted] Date: July 25, 2107 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your follow-up complaint filed with the Revdex.com (Revdex.com) regarding your installment account. We appreciate the time you have taken to express your additional thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. I completed additional research regarding the $265.34 payment dated June 5, 2017. The payment was unable to process due to an incorrect account number. I confirmed that you spoke to our Collection Department on June 5, 2017, and scheduled four (4) total payments over the phone. A list of the payment scheduled is provided below: ** $265.34 on June 5, 2017 ** $265.34 on July 3, 2017 ** $265.34 on August 4, 2017 ** $265.34 on September 5, 2017 We reviewed your phone call with the Collection Department that day and confirmed that the account number you provided for the payments was [redacted]. However, the account number provided was incorrect. We submitted the payment information to [redacted] Credit Union, that day for the June 5, 2017 payment, and listed the payment on your loan history. [redacted] could not locate the account so the payment was rejected. As a result, we removed the payment from your loan on June 6, 2017. Because [redacted] could not locate the account in question, the $265.34 payment from June 5, 2017, never actually processed out of your checking account. Because the account number was invalid, we cancelled the three (3) other phone payments that were scheduled. 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 Correspondence

[redacted]        Date:  June 6, 2017       Account:   [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted]:  We received copies of the...

complaint you filed with the Revdex.com and the [redacted] regarding the joint checking account with your daughter ending in [redacted]. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that Fifth Third Bank takes your feedback seriously and I appreciate this opportunity to respond to your concerns.   We are continually working to ensure the funds from your deposits are available in a timely manner. When you agreed to the Bank’s Digital Services User Agreement, which includes the terms and conditions for Mobile Deposit, you received information that explains cut-off times and the availability of funds deposited into your account. This document is also available on 53.com. I have enclosed a copy for your convenience. On pages six (6) and seven (7), it provides the following information regarding Mobile Deposits made using the “Immediate Funds” service: The cutoff time for Mobile Deposits is 8:00 p.m. Eastern Time (ET).  Mobile Deposits made using the “Immediate Funds” service before 8:00 p.m. ET are immediately available to make purchases, withdrawals, and cover any pending items that may post to your account that evening, such as utility or other electronic payments.  Mobile Deposits made using the “Immediate Funds” service between 8:00 p.m. and 9:00 p.m. ET are immediately available to make purchases, withdrawals, and cover any items that may post to your account that business day, such as utility or other electronic payments. The deposit transaction will reflect on your account statement as occurring on the following business day Mobile Deposits made using the “Immediate Funds” service after 9:00 p.m. ET, funds are immediately available to make purchases and withdrawals; however, the funds deposited will not be available to cover any items that may post to your account that business day, such as utility or other electronic payments. The deposit transaction will reflect on your account statement as occurring on the following business day. Customers may also refer to the cutoff times and funds availability details located within the deposit section of the mobile app. Overdraft fees post to your account the day after the account activity that caused them. Your mobile deposit of $35.00 was made on December 6, 2016, at 12:46 a.m. and posted that day. The mobile deposit needed to have been made by 9:00 p.m. on December 5, 2016, to avoid the two (2) overdraft fees caused by the debit card activity that posted that day.  A debit card dispute was filed for three (3) transactions totaling $21.49 on January 18, 2017, and the case number [redacted] was opened by the Disputes Resolution Department. A credit was issued to the checking account for the disputed items on January 23, 2017. The credit of $21.49 was considered final. In addition, the account was credited for three (3) $37.00 overdraft fees related to the disputed debit card activity. After these credits, the account balance was negative ($131.56).   If an account remains negative for fifty-five (55) days, we will close it, report it to ChexSystems (a consumer reporting agency) and send it to a third (3rd) party collection agency. The checking account ending in [redacted] became overdrawn December 5, 2016. It was charged off on January 31, 2017, with a negative balance of ($161.56).  In order to see what the running account balance would have been without the three (3) disputed debit card transactions, I made the enclosed spreadsheet. Even if the three (3) debit card purchases totaling $21.49 never posted to the account, it would have still become negative on December 12, 2016. As there was no further activity in the account, it still would have been charged off for ($124.56).  As a result of this review, we are unwilling to remove the charge off balance or to remove the account ending in [redacted] from ChexSystems reporting. You will need to contact [redacted] to make a payment arrangement. They can be reached toll-free at ###-###-####, Monday and Thursday, 8 a.m. to 7 p.m., ET, and Tuesday, Wednesday, and Friday from 8 a.m. to 5 p.m. I hope that this information helps to reassure you that the Bank has properly serviced your accounts. You are a valued customer and we look forward to continuing our relationship with 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; [redacted]  Enclosures

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 read the letter Sarah S.  typed up trying to say Fifth Third was justified in their charging me $37.00.  She decided to not include the deposit that hit the account for 602.97 on the same morning in question.  On Tuesday morning my account showed a positive amount for $7.18 when checked again at 9am my account showed a positive amount of 285.09.  So lets review Monday positive account Tuesday when all this got added and came out positive account. Wednesday morning Fifth third says Monday account negative none of this happened on Tuesday and they should charge me $37.00.  Fifth Third is stealing my $37.00 and I would like it back. I believe Fifth third was sued for this exact same issue a few years ago and lost. Fifth Third should not be allowed to change dates of when items are posted in order to charge fees.  I would like my $37.00 returned to me. 
Regards,[redacted]

[redacted]Date: August 21, 2015 Account: [redacted]Regarding Your Checking AccountDear [redacted]:We received a copy of your complaint filed with the Revdex.com, regarding the disputed Point Of Sale (POS) transaction that...

posted to your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter.Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience.When disputing Personal Identification Number (PIN) or POS based transactions on your Enhanced Jeanie debit card, we strive to resolve the dispute in as timely a manner as possible. Please be aware that if our research supports your dispute, any provisional credit issued will become final and remain in your account. However, if our research does not support your dispute the provisional credits will be debited from your account. After we have completed our investigation, a final resolution letter will be sent to you detailing our findings.On June 29, 2015, a POS transaction from [redacted] in the amount of $287.12 posted to your checking account. On July 8, 2015, you contacted the Bank to initiate a dispute for the [redacted] item since you indicate the online purchase was cancelled on your end and did not go through. We immediately opened an investigation and submitted a chargeback request to [redacted] in order for them to credit the funds to your checking account. Therefore, a provisional credit from the Bank for $287.12 and a POS adjustment from [redacted] in the amount of $287.12, both posted to your account on this day. On July 10, 2015, the Bank’s provisional credit for $287.12 was debited from checking account in order not to duplicate the POS adjustment credit from [redacted].During our investigation, the merchant indicated the transaction was valid and represented the POS transaction in question to your checking account on July 31, 2015. As a result, your dispute was denied and a notification letter was sent to the address on file at that time.We sympathize with the difficulties you have encountered regarding the denied POS dispute. However, our position on this matter has not changed and we are not able to credit your checking account for the [redacted] transaction. Therefore, you will need to work directly with the merchant in order to further pursue a refund for the item in question.[redacted], please be assured that it was not our intention to cause you any hardship and frustration. 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,Danielle S.Office of the PresidentPc: 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 rebuttal essentially just repeats the first response. Nowhere do they address the fact that they sent me the $400 payment they claim to have no record of. Also, any rep from their company is aware of both payments yet the person responding to a Revdex.com complaint doesn't have the information that an agent has access to? This is an untrustworthy, unethical business that I will encourage anyone I can to never do business with.I am truly disgusted by their practices and lack of decency through out this. 
Regards,
[redacted]

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.  Regards, [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12059960, and have determined that this does not resolve my complaint.   
I would like to be compensated for the time (13 months) in which it took for this to be resolved. A refund of the money owed to me is not sufficient.
Regards,
[redacted]

[redacted] [redacted] 
[redacted] 
[redacted] Date: October 13, 2015 Account: [redacted] Regarding Your Overdraft Fees Dear [redacted]: We received a copy of your continued communication with the Revdex.com concerning the overdraft fees you recently accrued on your checking account ending in [redacted]. I appreciate the time you have taken to further communicate your thoughts and concerns. We initially received a copy of this complaint on September 23, 2015. October 1, 2015, we received a similar complaint from you on this matter; however, we stand by the response conveyed to you in the previous letter sent on September 30, 2015. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. Regarding your requested explanation of the posting order involving your direct deposit of $602.97, our records indicate this deposit posted on September 22, 2015. Your electronic payment to [redacted] was made by Fifth Third on September 21, 2015, as you had authorized. The item posted to your account for that business day during overnight processing along with your debit card purchases. We apologize for any misunderstanding there may have been, but the items that caused the overdraft in question were requested to be paid on the prior business day, not Tuesday September 22, 2015. [redacted], I appreciate this opportunity to further address your concerns and thank you for your patience while waiting for a response. If I could be of additional assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S. Office of the President Enclosure (1): Previous Response Letter

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.  I believe the loan officer had knowledge for months about the [redacted] situation and had weeks to tell us so we could get prepared. He just didn't because he wasn't concerned. We have not gone with 5/3 but did buy the house and we are very happy with our home. We just paid cash for the home. 
Regards,
[redacted]

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. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
Fifth-Third Bank is still not answering my question.  I have asked this question several times, both verbally and in writing, and I have now asked if through my Revdex.com complaint, but I have still not received a reply: If Fifth-Third Bank had reason to believe that the online payment was fraudulent, then why did they issue the payment? Not sending a payment that they believe to be fraudulent would be a much better internal control than mailing a check with a stop payment on it.  Their internal control is poorly constructed and they are hanging the account holder out to dry on the repercussions. They are also telling me that they tried to contact me.  The only contact that I received from Fifth-Third Bank is a letterhead that arrived at my home after after [redacted] had presented the stopped-check for payment.  I did not receive a voice mail from Fifth-Third Bank.  Their fraud department was unable to play me a recording of the message they claim to have left me.  The letterhead I received is also inaccurate.  It states that the stop payment was issued at my request.  This is not true.  i did not request a stop payment.
Regards,
[redacted]

[redacted] [redacted] [redacted] [redacted] Date: November 1, 2017 Account: [redacted] Regarding Your Access 360º Card Dear [redacted]: We received copies of the complaints you submitted to the Revdex.com and Consumer...

Financial Protection Bureau regarding your Access 360º Card. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Between August 22, 2017, and September 28, 2017, you disputed sixteen (16) transactions on your new Access 360º Card ending in [redacted]. Out of the sixteen (16) disputed transactions, thirteen (13) were decided in your favor, one (1) was denied, and two (2) are still outstanding. The following disputes were decided in your favor: $7.80 [redacted] $145.00 [redacted] $170.00 [redacted] $3.20 [redacted] $3.23 [redacted] $24.54 [redacted] $23.20 [redacted] $5.00 [redacted] $20.00 [redacted] $7.04 [redacted] $10.99 [redacted] $14.00 [redacted] $10.00 ** Although two (2) of the transactions are from an [redacted], we believe that the transaction of $5.00 was either from [redacted] or [redacted], and we believe the transaction of $20.00 was from [redacted] or [redacted]. The dispute of the [redacted] purchase of $27.76 was denied. The following disputes are still outstanding, and no decision has been made yet: $36.70 [redacted] still outstanding $9.94 [redacted] still outstanding We strive to resolve all disputes in a timely manner. Please note that the outstanding disputes may take up to sixty (60) days for resolution. If the disputes are decided in your favor, the previously provided temporary credits will become final. If the disputes are not decided in your favor, the previously provided temporary credits will be debited from your account balance. If you have any questions regarding your disputes, please call our vendor, [redacted], at ###-###-####, twenty-four (24) hours a day, seven (7) days a week. Our records show that you closed the Access 360º Card ending in [redacted] and transferred the balance to a new Access 360º Card ending in [redacted] on October 4, 2017. However, please note that the block was removed from the card in error and should have remained on the card. We subsequently placed a block on the new card ending in [redacted]. Again, the block was removed in error again on October 10, 2017, and you took a cash advance of the $87.22 balance on the card. Upon completion of our research, we will close the card. You also mentioned a disputed purchase of $437.00 at [redacted] in [redacted]. We have no record of this transaction, or any disputes filed for that amount. In order to research this transaction further, we will need additional information such as the date of the transaction and account used to make the purchase. You may call me at either number below to provide this information. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President

[redacted] [redacted] [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 concerning a...

recent mobile deposit to your checking account and the overdraft fees assessed to your account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience the delay in resolving this matter may have caused you. When someone contacts the Bank we expect that each situation will be taken care of in as timely a manner as possible and we regret any difficulties you may have encountered. Your comments expressing less than quality service are very concerning. Our goal is to provide professional and accurate service to our customers and I am sorry if that has not been your experience. You mentioned in your complaint that you made a check deposit via Fifth Third Mobile Banking after 9 PM Eastern Standard Time (EST) on February 29, 2016. Our records indicate the mobile deposit was made at 9:16 PM EST. If a deposit is made after 9 PM EST, the deposit transaction will post to your account on the following business day. This was disclosed to you in our Digital Services User Agreement in which you agreed on our internet banking website, www.53.com. I have enclosed a copy of this agreement for your review. We are continually working to ensure that the funds from your deposits are available in a timely manner, while meeting all federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately; the remaining funds will be made available on the next business day. For deposits made on Saturday, Sunday, or a Federal Holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal Holidays. Our Funds Availability policy is covered in the Rules and Regulations document that was provided to you when you opened your account. A copy is also available for review on 53.com. The mobile deposit of $298.58 that you made after the cut off time on February 29, 2016, posted to your checking account on March 1, 2016. However, only $100.00 was available in your account that day. If the available balance in your checking account is not sufficient to cover items that post to your account, the posted items may be returned unpaid and subject to overdraft fees. The per item overdraft fee is based on the number of occurrences in the last twelve (12) months. For the first occurrence, you will be charged $25.00 per item. For any additional occurrences, the charge is $37.00 per item. On March 1, 2016, your beginning checking account balance was $72.86. The mobile deposit of $298.58 posted to your account, however, only $100.00 was immediately available. Two (2) web initiated payments totaling $216.00 posted to your account. Since the available balance in your checking account was not sufficient to cover the items that posted, your checking account was charged two (2) overdraft fees of $37.00 each on the following day. I have enclosed a copy of the overdraft notice sent on March 2, 2016, for your review. It is important to ensure that your account has enough available funds to cover all of the transactions that post to the account. However, in the interest of customer service, on March 15, 2016, the$74.00 in overdraft fees that was charged to your account was waived. You will see this credit to your account on your next statement. You may want to consider adding Overdraft Protection to your checking account. We offer several types of overdraft protection. We can connect a second account such as another checking account or savings account, or you can apply for a credit card or equity line, which can be connected to your checking account in order for funds to be automatically transferred in case of an overdraft situation. With Overdraft Protection, you are charged one (1) Overdraft Protection transfer fee of $12.00 instead of an overdraft fee of $25.00 per item for the first overdraft occurrence, or $37.00 per item for each additional occurrence. If you would like more information about Overdraft Protection, please feel free to contact me using the information provided below. You can also visit your local Financial Center or contact our Consumer Contact Center at ###-###-#### to setup Overdraft Protection for your checking account. We appreciate your patience while we researched this matter. You are a valued customer and we look forward to servicing your future financial needs. If I may 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, Lisa S. Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  Regards,
[redacted]   I have already been in contact with fifth third office of the president. Shawna is helping me with this matter and has completely reversed all charges and have been no further charges as should have been done in the first place. She said she would send me a letter by mail to say that she had fixed a problem with my account , in my favor. Secondly, I have never been in or communicated with anyone at Fifth Third Main in [redacted].  I don't even know where that branch is so, stop sending me letters saying that I vistited Fifth Third Main.  I'm in process of writing a letter to the Federal Reserve regarding what I was told about regulation E from Fifth Third Bank.  Your policy CANNOT trump regulation E.  I notified you well before your drafted my account.  There is a difference between stop payments and revocation of authorization for and account, and I told heather this and she didn't care to hear it.  Thank you

[redacted] [redacted] [redacted] Date: December 20, 2017 Account: [redacted] Regarding Your Fifth Third Checking 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. According to page nine (9) of our Digital Services User Agreement: “Within the Mobile and Online Banking Bill Payment section, we use the term "Deliver By.” This is the date that you want the payment to be delivered to a Payee. If the date falls on a non-business day, it shall be delivered the preceding Business Day.” A copy is enclosed for your reference. On November 27, 2017, you made a one-time payment for $854.00 to [redacted]. The due date you chose was December 1, 2017, because December 3, 2017, fell on a Sunday. The check dated November 27, 2017, was presented for payment by the payee on December 1, 2017. The beginning balance in your checking account ending in [redacted] on December 1, 2017, was $264.37. The payment for $854.00 was not paid due to insufficient funds and one (1) $37.00 fee was charged to the checking account the following business day. An overdraft notice that includes a detailed breakdown of the day’s transactions is generated and sent to the address on file. It is also viewable when you log into your accounts online or via your mobile device. You purchased a money order for $854.00 on December 4, 2017. Then, on December 5, 2017, the payee presented the check for payment again. The balance in the account was $14.06. The item was not paid due to insufficient funds and one (1) $37.00 fee was charged to the checking account the following business day. Because this payment was sent according to instructions provided by you, and covered by our Digital Services Agreement, we are not willing to reimburse you for any fees charged to you by the payee, or other merchants, while your account was overdrawn. The customer is responsible for ensuring that there are funds in the account to cover a bill payment when the merchant presents it for payment. As a courtesy to you, previous overdraft fees were waived on October 16, 2017, and on October 26, 2017. We strive to provide quality service to all of our customers, and I apologize that we failed to meet your expectations. We certainly sympathize with the difficulties you have encountered. In the interest of customer service, an additional $74.00 in overdraft fees has been reversed. Your account balance remains negative ($17.89). In addition, we have placed a stop payment order for the check number [redacted] dated November 27, 2017, to [redacted], so that it will not be paid in the event they attempt to present it for payment again. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com Enclosure: Digital User Services Agreement

[redacted] [redacted] [redacted] [redacted] Date: July 28, 2017 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. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Thank you for taking the time to speak with me on July 14, 2017, regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. 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 8:00 a.m. until 9:00 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. Upon receiving your complaint, we reviewed your call with the Collection Department on July 10, 2017. In error, the collection agent stated you were blocked from your internet banking due to being past due on your installment loan. As we discussed during our telephone conversation on July 14, 2017, your online access was established with a non-plastic Automatic Teller Machine (ATM) card. The Bank uses the non-plastic ATM to provide a card number to our customers that do not have a deposit account with the Bank. Because you had not logged into your online banking profile for six (6) months, the card was closed due to inactivity. Therefore, when you attempted to view your account online, you were unable to access your account. On July 14, 2017, I assigned a new non-plastic ATM account number to your profile and you were able to access your account online. I apologize for the misinformation provided to you on July 11, 2017, and I trust our phone call on July 14, 2017, resolved the online access issue. For your records and convenience, please find enclosed a copy of your payment history. Your payment of $397.79 is due on the twenty-first (21st) day of every month. Please use the enclosed payment breakdown as verification of your payment history. Included in the payment breakdown is the date your payment posted to your account and the number of days past due your payment was received. In addition, the breakdown provides an explanation to the late charges that have been assessed to your installment loan. As mentioned in the paragraph above, your regular monthly payment is $397.79. As noted in the enclosed payment breakdown, you made a payment of $392.00 beginning with your March 25, 2016, through your payment made on October 18, 2016. If you have questions regarding your payment history, please contact me at the telephone numbers below, and I will be happy to assist you. Our review of your installment loan determined you have not satisfied your payment due on June 21, 2017. On July 3, 2017, a delinquency reminder was mailed to you, which incorrectly stated your past due amount was $407.97. However, the document did correctly inform you that you were delinquent for your payment due June 21, 2017. Your payment received on June 16, 2017, did not satisfy the total amount due by June 21, 2017. The payment was short $57.43. I do apologize for the misinformation and we are currently working with the relevant parties within the Bank to update the delinquency notice. However, as you mentioned in your complaint, the Collection Department did correctly inform you that you are currently past due for your June 21, 2017, payment. The Bank received your payment of $408.00 on July 20, 2017. This payment satisfied the $57.43 still owed on your June 21, 2017, payment. To bring your account current, you will need to make a payment of $73.51 by July 31, 2017. This payment includes the amount owed to satisfy your July 21, 2017, payment ($57.22) and ten (10) days of interest accruing at $1.81 per day. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Payment history, Payment breakdown, Delinquency Notice 7-3-17

[redacted] [redacted] [redacted] Date: April 11, 2018 Account: [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted]: We received copies of the complaints you filed with the [redacted] and the Better...

Business Bureau. 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. We strive to provide an exceptional experience to our customers and I am sorry we did not meet your expectations. Please be assured customer feedback is reviewed by our executive management team as part of our ongoing commitment to improving our operations. Fifth Third Bank did run a promotional offering that rewarded customers with a $750.00 cash bonus into their newly opened business checking account. The new business checking account had to be opened by November 29, 2017, and meet certain activity criteria in order to receive the bonus payout. Specifically, the account must reach a balance of $500.00 within ten (10) calendar days of being opened and that balance must be maintained for thirty (30) calendar days thereafter to receive the bonus. This Business Standard Checking Account ending in [redacted] was opened November 29, 2017, and was properly marked as being opened under this promotion. After a $3.00 Service Charge posted to the account on December 12, 2017, the balance remained under $500.00 until the Service Charge was reversed on December 20, 2018. In appreciation of your banking relationship with us, we are honoring the original $750.00 promotion. Your account was credited on April 9, 2018. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: [redacted]; Revdex.com

[redacted] 
[redacted] 
[redacted] Date: August 27, 2015 Account: [redacted] Regarding Your Established Checking Account Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com concerning your Established Checking account. I apologize if our first response did not address all of your concerns. Overdraft coverage allows a customer to access funds beyond the balance in their account for emergency cash needs and youhave the option to choose whether to continue having overdraft coverage on your account for ATM (Automated Teller Machine)transactions and one-time debit card transactions per federal regulations. Your account was originally opted in for overdraft coverage when the account was opened on October 13, 2011. As our previous response detailed, your overdraft coverage wasdiscontinued per your request on August 8, 2015. In contrast to overdraft coverage, overdraft protection automatically transfers funds from a Fifth Third Bank savings account, credit card, or equity line to cover items that overdraw your checking account. With overdraft protection, we charge a daily transfer fee rather than an overdraft fee for each posted item that overdraws your account. You accepted Overdraft Protection in March 2012 with your Relationship Savings account ending in [redacted] for purchases when your checking account had insufficient funds. Please note during the time the account was covered by overdraft protection, the debit card and ATM transactions that overdrew the account were not assessed per item overdraft fees. As our previous response detailed, your overdraft protectionwas discontinued once the savings account was closed on July 21, 2015. Overdraft notices are sent to you the following business day from the overdraft occurrence at the address on file. I am sorry for any delay you may have experienced in receiving these. However, please note you may also view your available account balance via the ATM, on the internet at 53.com, alert via text message, and by calling our automated customer service line at ###-###-####. We completed an additional review of the overdraft fees that were assessed to the account. In total, $703.00 of overdraft feeswere assessed as a result of debit card and ATM transactions from July 21, 2015, through August 6, 2015. As previously mentioned, on August 8, 2015, we reversed $150.00 of overdraft fees back into the Established Checking account. In the interest of customer service, on August 27, 2015, we reversed the remaining $553.00 of overdraft fees back into the Established Checking account. I am sorry for any frustration this matter has caused you. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com