PROCORPSA

[redacted] Date: April 20, 2016 Account: [redacted] Regarding Your Mortgage Account Dear [redacted]: Thank you for contacting the Bank, regarding your Fifth Third Bank mortgage loan. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. If a payment does not post by the due date it is considered delinquent and is subject to collection activity. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8:00 AM until 9:00 PM, including holidays. Several calls may be placed each day in an effort to obtain a payment or to arrange suitable payment arrangements. When making telephone calls our Collection Representatives will strive to resolve the issue in as timely a manner as possible in order to provide professional and accurate assistance. Our records show that the collection calls stopped once the payoff of $70,291.50 posted to your mortgage loan on February 26, 2016. According to the terms of the Note you signed on December 27, 2001, payments for your mortgage loan ending in [redacted] are due on the 1st of each month. Your Note also describes the terms of the grace period, which specifies that Fifth Third must receive your payment by the end of fifteen (15) calendar days after the payment is due to avoid a late charge. As stated in the response sent to you on March 30, 2016, you were still contractually obligated to make the monthly mortgage loan payment as outlined in the Note until the mortgage loan payoff posted to your account on February 26, 2016. Although you provided a brief description of the employee you spoke to at the [redacted] Banking Center, we were still not able to substantiate your claim that you were instructed not to make your mortgage loan payments. Therefore, we must stand by our previous response. We cannot accommodate your request to correct prior negative reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We hope this correspondence will help you understand Fifth Third Bank’s position. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J.Office of the President

The account is a HSA account. Do you want the account number posted on line ? Thank you [redacted]

[redacted]Date: June 15, 2015Account:      [redacted]Regarding Your Vehicle Installment loanDear [redacted]:We received a copy of the letter you sent to the Revdex.com regarding 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 the difficulties you have experienced with your vehicle installment loan. It was certainly not our intention to cause you any hardship. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction.As explained to you during our telephone conversation on June 12, 2015, in September 2014 the mailing address for your vehicle installment loan was changed to the address we have on file for the secondary borrower on the loan, which is [redacted]. Although this is the mailing address for the loan, please be aware that any past due notices are sent to you at [redacted], because the Bank is required to send past due notices to the primary borrower on the loan, and you are listed as the primary borrower on this loan.Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers. We regret if the level of service you received from our [redacted] & [redacted] Banking Center did not meet your expectations.As was also explained during our telephone conversation on June 12, 2015, a verbal Hardship Agreement is already in effect on your loan. This is an agreement to pay $285.17 due June 4, 2015, and to pay $285.10 due July 4, 2015. After these payments have been made, you will need to call ###-###-####, option 4, for the final payment due on the loan.If you wish to discuss further settlement options please contact a representative in our Installment Loan Loss Mitigation Department at ###-###-####, option 4, Monday through Friday, 8 a.m. to 5 p.m. Saturday 8 a.m. to 12 p.m., ET. Any representative will be more than happy to assist you.[redacted], if I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Office of the PresidentPc: Revdex.com

[redacted] [redacted] [redacted] Date: December 20, 2016 Account: [redacted] Regarding Your Transaction Dispute Dear [redacted]: We received the additional information you submitted through the Revdex.com. I have forwarded the information you provided to the relevant parties. After a chargeback is sent to a merchant, they have up to forty-five (45) days to respond. We initiated the chargeback on October 25, 2016, so [redacted] had until December 8, 2016, to respond. While they responded to you, they have not responded to our request. Please be advised that the credit of $1,196.00 is now considered final. We appreciate your patience while we researched this matter. You are a valued customer and 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] Date: April 5, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your mortgage loan...

account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. I confirmed that you enrolled in the Bank’s automatic payment program for your mortgage loan, Auto BillPayer, in August 2015. The first (1st) automatic payment was to process on September 5, 2015. Unfortunately, the routing number utilized on the Auto BillPayer enrollment form was incorrect. This caused the payment to be rejected and reversed off your mortgage loan. We corrected the routing number in our systems, and the next payment we automatically processed on October 5, 2015, was successful. We have continued to successfully draft the payment via Auto BillPayer each month since that time. However, because a replacement payment was not received for the returned September 2015 payment, the account was continuously paid one (1) month in arrears until May 2016. Due to the continued delinquency, the account accrued $258.66 in late payment fees. The $258.66 in late payment fees was reversed off the account on February 2, 2017. Enclosed is a copy of the February 2017 mortgage statement that shows the fee reversal. No additional late payment fees have accrued since that time. We are unable to offer additional financial compensation as requested. As of March 30, 2017, there are no outstanding late payment fees owed on the account. While researching your concerns about the fee waiver, I determined that the account was reported thirty (30) days late each month from September 2015 through April 2016. Please be assured that we have submitted a request to all four (4) credit reporting agencies to remove the late payments reported from September 2015 through April 2016. Please allow approximately thirty (30) days for the credit reporting agencies to update their reporting. If you would like to contact the credit reporting agencies directly, their contact information is listed below: ** Equifax ###-###-#### ** Experian ###-###-#### ** TransUnion ###-###-#### ** Innovis ###-###-#### 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: Mortgage Loan Statement

Please find below a copy of the letter being mailed to the customer. I have also been in contact with the customer by phone. Thanks.[redacted] [redacted] [redacted], [redacted] Date: December 7, 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 you have experienced in trying to resolve this matter and we appreciate the time you have taken to document your thoughts and concerns. You notified the Bank that an Automated Teller Machine (ATM) failed to complete your cash deposit for $1,200.00 and it was not credited to your account. Our Disputes Department opened the case number [redacted] and issued a provisional credit of $1,200.00 to the checking account on October 3, 2016. The credit was removed on November 15, 2016, when the ATM was found to be in balance. A notice was also sent to the address above informing you that the dispute was resolved. You contacted the Bank to question this resolution and we have reopened this case. While we strive to resolve all investigations as quickly as possible, it can take up to thirty (30) days for an investigation to be completed. You are a valued customer and we would like to offer our sincere apologies for any inconvenience 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. 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] Date: November 28, 2017 Application: [redacted] Regarding Your Recent Mortgage Loan Application Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

concerning your recent Fifth Third Bank mortgage loan application. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your loan application was submitted to Fifth Third Mortgage, which is an affiliate of Fifth Third Bank. The Office of the President researches and responds to customer concerns regarding Fifth Third Mortgage. 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. To qualify for a mortgage loan at Fifth Third Bank, an applicant is not required to be a permanent resident of the United States; however, an applicant is required to be a legal resident on the United States. In other words, the Bank can approve a mortgage loan for a Non-Permanent Resident Alien. If an applicant is a Non-Permanent Resident Alien, one (1) of the following documents must be obtained and included in the applicant’s loan file: ** Copy of the applicant’s current [redacted], stamped in their passport or their Arrival and Departure Record (Form [redacted]) issued by the [redacted] or ** Notice of Action/Notice of Approval (Form [redacted]) documenting acceptable [redacted] residency status or ** Any other evidence of [redacted] residency status issued by the [redacted] On October 3, 2017, you submitted an application for a mortgage loan on our website at 53.com. The Bank was not aware of your residency status until we received a copy of your [redacted] on October 30, 2017, listing a [redacted] Category of [redacted]. Unfortunately, a [redacted] Category of [redacted] is not a [redacted] Category that can be accepted by the Bank. In response to your application a Mortgage Pre-qualification Letter was sent on October 10, 2017. Due to changes in the requested loan amount, a second (2nd) Pre-Qualification Letter was created and sent on October 21, 2017. As is explained in the Bank’s Mortgage Pre-qualification letter, a Mortgage Pre-Qualification Letter is based on the preliminary information you provided and your credit report, and is subject to verification. It does not constitute a loan application or loan approval and is not a commitment to lend or lock a rate. Copies of the Mortgage Pre-qualification letters are enclosed. The Mortgage Pre-qualification letters were issued before we received a copy of your [redacted] and therefore before we could verify your current residency status. The loan was declined on November 9, 2017. It is important to note that the loan was declined for several reasons, not solely due to your current residency status. A copy of the Statement of Credit Denial is enclosed. The Bank did not require or receive any funds from you in connection with your mortgage loan application. In your complaint letter you request a refund of fees that you paid in connection with your mortgage loan application; however, the Bank did not require any payment from you in connection with your mortgage loan application. Additionally, since our research into this matter confirmed that your loan application was handled and processed appropriately by the Bank, the Bank will not provide you with any financial compensation. We regret if this causes you any inconvenience or frustration; however, the Bank could only refund you for fees paid to us, which were assessed by us in error. For a refund of any fees you might have paid, you will need to request a refund directly from the relevant parties to whom you paid. You can certainly provide the relevant parties with a copy of this letter, which may assist you in a getting the refund you are seeking. 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 Enclosures (3): Mortgage Pre-qualification Letters (2) Statement of Credit Denial

[redacted] [redacted] [redacted] Date: October 19, 2017 Regarding Billing for Fifth Third Bank Identity Alert Premium Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning the service charges for Fifth Third Bank Identity Alert Premium. 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 concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. The current pricing for Fifth Third Identity Alert Premium varies depending on the type of Fifth Third Bank checking account that you have. The current pricing for Fifth Third Identity Alert Premium for the type of account that you have with the Bank, the Express Banking account, is $14.95 per month per individual. Pricing information for Fifth Third Identity Premium can be found on our website at 53.com. According to our records, your enrollment in Fifth Third Identity Alert Premium was canceled per your request on September 30, 2017. You were correctly billed for Fifth Third Bank Identity Alert Premium. Since your enrollment has been canceled, you will no longer be billed. Since your account was appropriately billed for Fifth Third Identity Alert Premium, the Bank will not issue you a refund. We regret any inconvenience this might cause you; however, we can only issue a refund for the service if your account was being billed incorrectly for the service. 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] [redacted] [redacted] Date: July 5, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your checking account...

with Fifth Third Bank. 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 or frustration this matter may have caused you. Please be assured that we have contacted the relevant parties to fully research your account and passed on your concerns. Our records indicate that your checking account became overdrawn on June 7, 2012. The account remained overdrawn and was charged off for $225.04 on August 2, 2012. I have enclosed the related checking account statements for your review. The charged off checking account was sold to a third party collection agency, [redacted], on April 1, 2013. [redacted] has since went out of business and may have sold the debt to another collection agency, which is why you’re likely receiving calls. Since we have sold this account and no longer own the debt, we are unable to stop the current collection activity. You may contact the collection agency to request a validation of the amount they are attempting to collect. In addition, you also reserve the right to send the collection agency that is contacting you a written request to cease and desist any future telephone calls regarding the outstanding debt. Please be aware that while they may no longer make telephone calls to you upon receipt of your written request to cease and desist, the third party may proceed with further collection efforts or a judgment as an industry practice. We have updated [redacted] to remove the reporting for this account. Please allow up to thirty (30) days for [redacted] to update their records. You may present this letter as proof of the update should you apply for credit within the next thirty (30) days. If you would like to contact [redacted] to confirm that our reporting has been removed, you may contact [redacted], on the Internet at www.consumerdebit.com, via telephone at ###-###-#### or by mail at: [redacted], Consumer Relations, and [redacted]. We appreciate your patience while waiting for a response. You are a valued customer and we hope you will allow Fifth Third Bank to service your financial needs in the future. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., EST. Sincerely, Lisa S.Office of the President Pc: Revdex.com Enclosure: checking account statements

[redacted] [redacted] [redacted] Date: [redacted] 11, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the additional complaints you filed with the Revdex.com, the [redacted] State Department of Financial Services and the letter sent to the Bank concerning your mortgage loan. 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. In reviewing the concerns that you listed, we have already provided detailed explanations for each of these matters in the responses provided to you on February 11, 2016, and March 15, 2016. I have enclosed copies of the prior correspondence for your convenience. Please note, we will not provide the recorded calls as you have requested. These calls are intended for the Bank’s use. For further clarification regarding your concerns that the escrow account was not reviewed in July 2015 and a payment was made to [redacted] in August 2015, our records indicate that we spoke to the [redacted] agent on July 20, 2015. At this time, we were given the information for the policy amount due and due date. As we previously explained, our records do not indicate any request to review the escrow in July 2015. We are unable to accept a future-dated request to remove the escrow. In the future, if you wish to submit a request to remove the escrow from the account, please submit a written request to the following address: Fifth Third Bank Attention: Escrow Department 5050 Kingsley Drive MD 1MOC2M Cincinnati OH 45263 Upon receipt of the request, your account will be reviewed to determine if it is eligible and you will be notified in writing. For your convenience, it should also be mentioned that there are several options available to make your payment in the future, including the following: * A payment can be made by phone when calling our toll-free number ###-###-####. You will choose the # key, then enter the loan number and the last four (4) digits of either borrower’s social security number. Option four (4) will allow you to make a payment. Fees for this service vary by state. * Online Banking via 53.com will allow you to make a payment from an external account, and there is no fee for using this service. To setup access please follow these steps:  1. Navigate to 53.com, click Log In and click Register next to First Time User. 2. Because you do not have a Fifth Third Checking, Savings, Debit Card, Access 360, Credit Card, or Home Equity Line of Credit select No to continue the enrollment process, and select I Have A Fifth Third Auto Loan, Installment Loan, and/or Mortgage Loan. 3. Enter the account number and social security number. 4. Select Yes I Have My Loan Documents With Me and click Continue. Use your loan documents to answer the verification questions presented. Click Continue. 5. Next you will be prompted to create a Unique User ID and Password following the required guidelines. Click Next. 6. You are now enrolled for Online Banking. Use your new User ID and Password to log in to your account. * Auto BillPayer is a free service that automatically deducts payments from a checking account each month on the due date or any date within the grace period. To sign up for Auto BillPayer, please contact them directly at ###-###-####, Monday through Friday, 8 a.m. to 5 p.m., ET. After reviewing your letter and supporting documentation, it does not appear the Bank can assist you further. Further correspondence from you about this matter will be reviewed, but not necessarily acknowledged unless new information is provided which can be acted upon. After multiple communications with you on this topic, we consider this issue closed. 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, [redacted] State Department of Financial Services Enclosures: Previous Response Letters

[redacted] [redacted] [redacted] Date: November 27, 2017 Account: [redacted] Regarding Your Recent Experience Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com (Revdex.com) regarding your...

recent experience associated with a check deposit. Please be assured that Fifth Third Bank takes your feedback seriously, and that I appreciate the time you were able to take to discuss your thoughts and concerns surrounding this matter with me. On behalf of the Bank, please accept my sincere apologies for the inconvenience this matter has caused you. We have reviewed the transaction in question, and have found that it was returned according to Fifth Third Bank’s Policies and Procedures surrounding check endorsement. As this check had two (2) names listed, separated by the word AND, both payees were needed to have endorsed the check for it to have been processed. Additionally, I am sorry you did not receive a phone call back after speaking with a representative in our Escalations Department. Please know it was not our intention to cause you any hardship associated with this matter. Concerning your request for compensation associated with this matter, we regret we are unable to honor this request. In addition, please know we regret any frustration that was caused when you received an email regarding the MasterCard Priceless Surprises Debit Sweepstakes promotion with a Grand Prize trip to [redacted] as you were dealing with this issue. Please note, the email that was sent was in an effort to make our customers aware of the current promotion offered by MasterCard International Incorporated, of which Fifth Third Bank is a participating Financial Institution. At Fifth Third Bank, we strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. I 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. Additionally, as we discussed, although we deeply appreciate the feedback you have provided, as it assists us in identifying problems internally, we cannot inform you of specific internal corrective actions that may be taken to resolve this matter. [redacted], I appreciate this opportunity to address your concerns and 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, Sarah S.Office of the President Pc: Revdex.com

Fifth Third Bank and Ms. Elizabeth D[redacted] responded to my complant(s) with their bank despite refusing to provide me with a reason why she would not provide me with a credit to my account as it relates to my dispute with [redacted] motel. I stated to her that this dispute does fall under the banks purview where I should be provided with a credit as stated to me by my banks manager Ms. Jaime B[redacted] who also cannot understand why a credit has not been provided to my account. I informed Ms. D[redacted] that I have also filed a complaint with the Revdex.com against the [redacted] motel which they did not respond to and was closed in my favor as well as stating to her that I will file a complaint against Fifth Third Bank and Ms. D[redacted] with the [redacted] as the reason for the banks failure to provide me with a credit to my account is because of my complaint against their bank as they are unable to provide me with a legitimate reason as to why ancredit has not been issued to my account other than Ms. D[redacted] stating to me that 'in no way will a credit be issued to my account', as it relates to the fraudulaent transaction which has occurred between myself and [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.    
This matter is still pending, and I will get back with the Revdex.com when there is some kind of resolution, but so far it isn't looking good.
Regards,
[redacted]

[redacted] Date: October 4, 2016 Accounts: [redacted] Regarding Your Checking Accounts Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

your checking 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 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. Our records show that you contacted the Bank on February 1, 2016, to stop an automatic withdrawal from coming out of your E-Access checking account ending in [redacted] because you did not have sufficient funds for the automatic withdrawal. The agent explained that that you could place a stop payment on the item, but that would not be a guarantee that the item would not post to your account. Per Fifth Third’s Rules and Regulations, a stop payment can only be honored if the exact information is given at the time of the request and the Bank has been given sufficient time to reasonably honor the request. You then informed the agent that if the item could not be stopped, then you would close your account. Because your account did not have a zero ($0.00) balance on that day and there were pending items, your account could not be closed at that time. On February 4, 2016, you contacted the Bank to close your account. At that time, your account had a zero ($0.00) balance and there were no pending items. An attempt to close your account was made on that day; however, during overnight processing for that business day an ACH (Automated Clearing House) item of $260.27 was presented for payment by the payee and posted to your account, so your account closure request failed. The following day, February 5, 2016, your account was completely closed with a zero ($0.00) balance. Please note that ACH items do not show as pending items on your account since they are not time-stamped transactions, so the agent with whom you spoke would not have been able to see that an item would post to your account when items were processed at the end of the business day. Please also note that when closing an account it is important to make sure that you have cancelled all direct deposits and automatic payments you previously authorized. Before you make a request to close an account, all of the merchants debiting your account needed to be notified to revoke their authorization to debit your account. Because the item coming out of your account was pre-authorized by you, we were required to allow it to post to the account. On February 5, 2016, you opened a new Essential Checking account ending in [redacted] at the [redacted] Main Banking Center. As of November 9, 2015, the Bank no longer offered the E-Access Checking account product, which is why you were unable to open a new account with your prior account type. As you are aware, unlike the E-Access Checking account product, the Essential Checking account product has a monthly service charge. Because you have monthly direct deposits of $500.00 or more, the monthly service charge assessed to your account is $8.00. I have enclosed a copy of the Essential Checking product sheet, which provides additional information regarding the monthly service charge and ways to earn out of it. It was certainly not our intention to cause you any hardship. In the interest of customer service, we waived monthly service charges totaling $15.00. However, we are unable to change your account back to an E-Access Checking account because this product is no longer offered. I am sorry for any frustration this may cause you. Thank you for your patience while we researched this matter for you. You are a valued customer, and we certainly hope to continue our banking relationship with you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D. Office of the President Pc: Revdex.com Enclosure: Essential Checking Product Sheet

Please find below the text of the letter and enclosure being mailed to the customer. The 2nd enclosure providing detailed account activity is not being provided here for security reasons, but is being mailed. Thank you.[redacted] Date:...

May 17, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received the complaint you filed with the Revdex.com regarding your checking account. 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 quality service to all of our customers, and I apologize if we failed to meet your expectations. To prevent an overdraft situation, you can 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 ###-###-####. Our toll-free Telephone Banking system is available twenty-four (24) hours and Customer Service Representatives can be contacted at the same telephone number and are available Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m. ET. We are very sorry for the difficulty you have recently experienced with your checking account. Unfortunately, the Bank does not have a way to place a hold on your checking account to prevent additional transactions from posting. As of today, your checking account remains overdrawn for ($1,024.86). Please note that we are unable to close an account while the available balance remains in a negative state. If you do not return your account to a positive state, it may be charged off and reported to ChexSystems for collection proceedings. I am enclosing a copy of the response to your April Revdex.com complaint. It provides a detailed explanation of Overdraft Coverage and the status of your account at that time. I have also enclosed a printout of the posted account activity since your last statement so that you can reconcile your account activity. This is the same information you view online when you log into Online Banking at 53.com, or our Mobile Banking app. Our research did not find that you have disputed any account activity. If this negative balance is a result of transactions you did not authorize, you can dispute those transactions by contacting our Dispute Resolution Department. You may contact our Dispute Resolution Department directly at ###-###-#### Monday through Friday 7:00 a.m. to 8:00 p.m. or Saturday 8:30 a.m. through 5:00 p.m., ET. If the disputes are found in your favor, a credit will be given for the original transaction amount as well as any overdraft fees associated with that transaction. If you have authorized a check with your signature and provided it to a payee, the payee can submit your check electronically for payment. If you have outstanding checks, or ACH (Automatic Clearing House) payments, that you want to stop from posting to your account, you can either make alternate arrangements with the payees involved or place a stop payment for each item. When requesting a stop payment, we require the exact details of the check item including the date, the exact spelling of the payee’s name, and the payment amount. There is a stop payment fee of $33.00. The Bank will honor only the exact information given us; otherwise, the Bank is not responsible. When there is a stop payment order, the item will be returned unpaid from your account after being presented for payment. If there is no stop payment order and the item is presented for payment while the account has insufficient funds that check may be returned unpaid to the payee involved and subject to overdraft fees. After that time, the payee may resubmit the check for your payment obligations. In the interest of customer service, previous overdraft fees were waived on October 19, 2016; February 22, 2017; and April 26, 2017. Therefore, we are not willing to waive additional fees at this time. It is not our intention to cause you any hardship and I apologize for the 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: Previous response; Printout of account activity

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 find that this resolution is satisfactory to me. 
Regards,
[redacted]

[redacted] Date: July 22, 2015 Account: [redacted] Regarding Your Credit Card Dear [redacted]: Thank you for contacting the Revdex.com and P. Brian M., Senior Vice President of Fifth Third Bank, concerning your credit card as it pertains to a...

charge from [redacted] in [redacted] for $454.95. We appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the level of service you perceived from our Customer Service Department. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. I also want you to know that customer’s feedback and concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. However, I cannot inform you of any specific internal actions that may be taken. Fifth Third Bank received your affidavit about the fraudulent charge that posted to your credit card on June 11, 2015. The affidavit stated that you did not participate or receive any proceeds for the transactions on the form. If there was an error to the form, you were to make any changes and initial the item. When the item from [redacted] for $454.95 was circled and initialed, our system read that as being an item that should not have been listed on the dispute. A representative from our fraud department did try to contact you, but was unable to speak with you. The item was transferred from your old card to your new card according to the information received on the affidavit. This was not a new charge and at no time did any Fifth Third employee charge anything additional on your card. Our disputes department received the information that the customer service professional you spoke with on July 16, 2015 said she would forward back to them. The adjustment has been made to your new card and the fraudulent charge returned to the card that was compromised. The amount of $454.95 which you have stated is a fraudulent charge is not a responsibility for you to pay. There is still a valid outstanding balance on your card ending 7763 of $200.54. The items that make up that balance are: [redacted] $45.72, [redacted] $25.00, [redacted] $22.94, [redacted] $60.46, [redacted] $31.80, [redacted] $54.11and [redacted] ($39.49). I have included a copy of your credit card statement showing those items posting to your card. 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, Beth H. Office of the President Enclosure (1): Credit Card Statement

[redacted] Date: January 8, 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, concerning the difficulties you experienced in paying off your vehicle installment loan. We appreciate the time you have taken to express your concerns regarding this matter. Your comments expressing less than quality customer service are very concerning. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. We sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to us. Feedback like yours helps us identify problems and improve the level of service we provide to our customers. Please be assured that the relevant parties have been contacted to express your dissatisfaction with the service you received. We have reviewed the recorded calls with our customer service department. Our review was unable to find an instance where the agent was disrespectful toward you. The agent correctly informed you that your GAP insurance may not cover all fees and interest accrued on the loan due to past due payments. Although the Bank does not send delinquent notices via email, the Bank did send a written notice on September 4, 2015, to notify you of your past due installment loan payment. On February 11, 2015, you agreed to a seventy-two (72) month vehicle installment loan in the amount of $15,807.51 for your 2013 Volkswagen Jetta with a monthly payment of $264.60 due on the twenty-eight (28th) of each month. We also confirmed that you agreed to purchase a GAP insurance policy for your installment loan. For your records, we have enclosed a copy of your signed security agreement and payment history for your installment loan. On September 4, 2015, we received a check from Nationwide Insurance, your insurance company, for $13,066.14. We have enclosed a copy of the check for your records. On the date the payment this payment was received, the principal balance owed on your vehicle loan was $14,929.80. Therefore, the payment from the insurance company was not sufficient to pay off your loan in full. A balance of $1,863.66 remained owed on the loan after the payment from your insurance company was received. Since your loan balance was not paid in full, the loan remained open with a balance owed. The total loss of your vehicle did not exempt you from making the required monthly payments since we did not receive sufficient funds from your insurance company to pay off the loan. On October 23, 2015, the Bank received and posted a payment of $1,754.16, which left a balance of 122.27. The amount owed includes an interest balance of $109.50 and late charges of $12.77. On November 20, 2015, the Bank received and processed a payment for $122.11 toward your installment loan. This left a remaining balance of $0.16 on your installment loan. On December 28, 2015, the Bank adjusted the interest balance on your installment loan and closed your installment loan with a zero balance. According to the GAP policy agreement (page 2 section A), your policy covered the difference between the finance balance on your loan contract and the vehicle’s actual cash value should it be deemed a total loss. However, this GAP policy does not include coverage for unearned finance charges, any past due payments, or penalty fees, including late charges, if remained unpaid on the loan. It is important that you cover the difference that your GAP insurance company is not willing to pay. Although we sympathize with the difficulties you encountered after your accident, we believe our Total Loss Department has processed the payments received from your insurance company appropriately. The Bank received a request from the insurance department to adjust the payment date and your negative credit reporting. In the interest of customer service, the Bank agreed to update the posting of your total loss check, and removed the negative credit reporting. On January 7, 2016, the Bank submitted a request to the credit reporting agencies to remove the late payment marks and to report your installment loan closed as of December 28, 2015. Our operation department has sent you confirmation of this adjustment under separate cover. If you apply for a loan in the next 30 days, please use this letter as proof that Fifth Third is correcting the situation. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted]##-###-#### It was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matter. You are a valued customer and we hope you will allow us to serve your financial needs in the future. If I could be of further assistance to you please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosures: Security Agreement Payment History Past Due Notice GAP agreement

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. YES THE COMPLAINT HAS BEEN SETTLED THEY SENT ME A BOOK OF RULES. THEY CAN DEPOSIT ANY CHECK AND STOP PAYMENT ANY TIME THEY WISH. THEY COULD HAVE BEEN DECENT PEOPLE LIKE IS EXPEXTED OF THEM.
Regards,
[redacted]