PROCORPSA

[redacted] Date: November 2, 2015 Account: [redacted] Regarding Your Fifth Third Bank Platinum [redacted] Dear [redacted]: We received a copy of your rebuttal complaint filed with the Revdex.com, regarding your Platinum [redacted] benefits. We appreciate the time you have taken to document 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. However, we stand by the response conveyed to you in our previous letter sent to the above address on October 21, 2015. Our position on these matters has not changed. For additional clarification, when the Bank eliminated the rewards program on the Platinum Card, existing Platinum cardholders were allowed to retain the reward benefits that were previously offered on that product. If you are interested in the rewards offered on the Real Life Rewards Credit Card, you will need to apply for that Card. 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, April Q. Office of the President PC: Revdex.com

[redacted] Date: December 29, 2015 Account: [redacted] Regarding Your Business Debit [redacted] and Business Checking Account Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. The dispute you reference in this complaint with the Revdex.com is for multiple charges with the [redacted] Company. Fifth Third Bank initially issued provisional credit to your account in the amount of $1,333.20 for this dispute. After issuing provisional credit, we worked with the company to recover the funds. The [redacted] company determined that there wasn’t a billing error and represented the charges on August 18, 2015. Our Disputes department attempted a second chargeback with additional information and won the claim for you. The provisional credit we issued on July 23, 2015, will remain in your account as a permanent credit. I’ve attached the letter informing you of our decision that was mailed to you on December 11, 2015, for your reference. If you have any questions or additional concerns, please contact our Disputes Department at ###-###-####. 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, Jennifer C. Office of the President Pc: Revdex.com Enclosure: Final Credit Letter, dated December 11, 2015

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 response just confirms that there is a huge communication issue with in this company. I have spoke with the office of the president and have confirmation that I did in fact respond to there letter within in the ten days  The office of the president  has confirmed that they reviewed recordings of my phone conversation with a customer service representative stating  that my letter/response was received however the investigator did not update my case with this information and in turn closed my case. The proof that the merchant has provided is proof of service they did  some work in which they were paid by a different credit card  but they are not entitled to this additional amount of $750.00.The merchant also is not on compliance with the [redacted] guidelines by not providing a return or refund policy on there webpage where payment was made.. I have informed Fifth Third Bank that I do not authorize this charge and that they can advise the merchant to take me to court to try and collect this amount where I can prove my case other wise.
Regards,
[redacted]

[redacted] Date: October 30, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received your email to the Bank, as well as a copy of the complaint you filed with the Better...

Business Bureau regarding your mortgage loan. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning and have been addressed and forwarded to the appropriate personnel. On behalf of the Bank, I apologize for any inconvenience this issue may have caused you. When a customer contacts the Bank, we expect each situation will be handled in a professional manner. I apologize that this was not what happened when you initially contacted us and we expect that this will not be the case in the future. We were able to further research your concerns regarding the three (3) transfers that were made to your mortgage loan on October 15, 2015, each in the amount of $460.00. On October 19, 2015, we reversed two (2) of the three (3) transfers from your mortgage loan to your checking account ending in 3423. The total amount refunded was $920.00. We have also confirmed that no overdraft occurred as a result of this matter. As of today, your mortgage loan is currently due for payment on November 1, 2015, in the amount of $454.86. We apologize for any difficulty or concern this may have caused you. In addition, we have further researched the error message you were provided when attempting to complete the transfers. When a transfer is successful, there is a response message provided to you by the mobile application indicating such. In this case, the success message timed out before it was able to be displayed to you. Because the successful message did not reach its destination, the transfer was retried a second and third time. Thank you for taking the time to bring this matter to our attention. We appreciate your feedback as it helps us to improve our service to you. Please be assured that we are making the necessary changes in our system to fix this issue. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at [redacted], or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W. Office of the President Pc: Revdex.com

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.   
They have not entirely addressed all the matters of concern. My position too has not changed, per similar dates of contact and responding. For all of these reasons, I have chosen to limit my business relationship with this bank, and will eventually sever all ties. This will not be my last formal complaint or action taken either, as they have been unscrupulous, and unethical fro starters.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Regards,
[redacted]

This response does not directly address the negligence of the 5/3 staff in not sending my escrow money in a timely manner. This also does not address the negligence of the 5/3 staff in failing to keep me updated, as promised, on the status of my escrow money and when I could expect to be receiving it, which was AFTER taxes were due. I should not have had to remove funds from my savings account in order to pay my taxes as a result of 5/3’s inability to function as a professional financial institution. Furthermore, I am quite perplexed why banker Ryan V. indicated in my initial call how he had received and had been working on numerous PMI removal requests as a result of the new 2017 market values received. If several customers were requesting PMI removals as a result of the new 2017 market values received, it would be reasonable to assume that it was due to the customer not meeting the required LTV at their initial appraised value. Kindly clarify how it would make sense for Mr. V. to process numerous PMI removal requests based on the new 2017 market values received if 5/3 chooses solely to go by the INITIAL appraised value? Wouldn’t it make more sense for the customer to be immediately informed that PMI cannot be removed based on a current market value? Mr. V.  looked up my information while we were on the phone and indicated that I met every credential for the PMI removal. I need clear and concise reasoning as to why I was falsely informed by this banker. Based on Mr. V.’s statement, numerous PMI removal requests were being processed for numerous customers based on the 2017 market values received, unless Mr. V. decided to make a completely false statement and further proceeded to falsely inform myself that I too, qualified. It appears to me that PMI removals were indeed being processed due to the current 2017 market values received for SOME customers and I require further understanding as to why this would be acceptable for some and not others. I have had nothing but negative experiences with 5/3 since August. If my issue was solely with one individual, that would be understood and isolated; however, given I have experienced multiple issues with multiple individuals, it is clear how 5/3 chooses to represent themselves as a financial institution.

[redacted] I just spoke to my agent to get clarification of the document you received. It is the same document Fifth Third has received in the past. She said Fifth Third Bank obviously doesn't fully read documents and stopped reading after they read the heading "Liability". If you go down to the bottom box it will state I did in deed have Comp AND collision coverage and I had a $1,000 deductible. They have record of my payments as well. There was a computer error prior to May 2016 on my account. The page you are now holding is in fact a legal declaration page in a court of law. She stated it is stamped with their logo and the agent's signature. She stated if you had any further questions you may contact [redacted] ###-###-####. They can not go back and alter the computer documents because that is to prevent fraud. Again this is a legal declaration page like they had BEFORE computers and Fifth Third does not understand how to read it obviously. So in combination with this AND the letter she acknowledged she received that stated I was covered that is more than enough to take into a court of law.  Scincerly [redacted]

[redacted] Date: February 13, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com...

regarding your Fifth Third Bank Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Per your request, we closed your Essential Checking account ending in [redacted] with a zero ($0.00) balance on February 7, 2017. I am sorry that it was not closed upon your initial request. I hope this letter meets your satisfaction and resolves your needs. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

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,
Principal not applied: $3,492.92 from months it was 5% (start of loan modification through 8/2013 presuming it was incorrect at the beginning of the modification) and $4,889.91 from the months it was 7.5%.  That is what should have been applied as a credit to my loan in the very minimum.  From their own amortization schedule.   I think that this was predatory because had I not caught there mistake they would have continued on this path.  I think I should still look into the consumer protection service predatory lending practices.  Their contract itself is really strange the way they wrote up the modification because the last or second to last clause almost tries to contractually absolve them of any negligence and you can’t do that legally.  Where were their internal audits being done? It should not have taken the customer to uncover this error.  There should have been fail safes in their internal auditing system that should have caught this error long ago. It certainly should not have gone on over 3 years.   Where is the punitive damages for the years I have tried to sell that house and couldn’t because of that loan balance being held over your head? 
[redacted]

[redacted] Date: April 29, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your Revdex.com complaint, regarding the title for your vehicle. We...

appreciate the time you have taken to express your concerns regarding this matter. Your comments expressing less than quality service are very concerning and we regret the difficulties you experienced. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Our records show that your installment loan ending in [redacted] was closed on July 9, 2014. On July 17, 2014, the title for your vehicle was mailed to [redacted]. This was the address on file for your installment loan at that time. On March 11, 2016, your address was updated to [redacted]. A request to have a lien release was also processed on that same day. We apologize if you did not receive the lien release issued at that time. Our Collateral Department is processing your duplicate title request for your vehicle. Please allow up to three (3) weeks to receive the duplicate title. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered while attempting to obtain the title for your vehicle. We believe your issue was resolved accordingly, and I hope that this letter will meet your satisfaction. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J.Office of the President Pc: Revdex.com

Hello: After receiving the latest rebuttal, we contacted the banking center manager that met with [redacted].  The customer did not provide any new information. The banker has discussed the mortgage loan process with the Mortgage Loan Originator. The Mortgage Originator provided the same explanation to our office and the banker.  The customer had derogatory marks on her credit report, that required her attention. In order for the Bank to properly research the corrections a new credit report. We believe we have properly addressed all the customer concerns. We have nothing further to add to our response. I’ve attached our two prior responses for your review. Thank you. Pat S.Customer Care Team SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOPCincinnati, OH 45263

[redacted] Date: April 15, 2016 Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Checking and Savings...

Accounts Dear [redacted]: We received a copy of your complaint filed with the Revdex.com regarding your checking and savings accounts. 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. On February 12, 2016, you made a $600.00 mobile deposit to your checking account ending in [redacted]. The deposit was returned as unpaid on February 18, 2016. Our Bank Protection Department reviewed your account and noticed that you also made a $200.00 deposit at an Automated Teller Machine (ATM) on February 10, 2016. This deposit was returned as unpaid on February 12, 2016. Due to the fact your accounts had two (2) returned deposits within the first thirty (30) days when accounts were opened, our Bank Protection Department recommended your accounts be closed. Enclosed is a copy of the account closure letter that was sent to you. Per our Bank Protection Department, checking accounts ending in [redacted] and [redacted] as well as your savings accounts ending in [redacted] and [redacted] were closed. I confirmed with Financial Center Manager Brian B. that on February 25, 2016 he opened new Express Banking accounts and a savings account for you. However, prior to opening these accounts the proper authorization from our Bank Protection Department was not received. As a result, Bank Protection Department closed your Express Banking accounts on March 10, 2016. Due to the miscommunication, there was a series of attempts made to re-open and close your accounts. Unfortunately, proper authorization was not received until March 15, 2016 in which your accounts were reopened by our Bank Protection Department. [redacted], we apologize for the difficulties you experienced while opening your new accounts with the Bank. We strive to provide accurate and exceptional service, and I regret that was not your experience. Please be assured customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations and customer service. Please note due to the activity on your prior accounts, an exception was made to continue your relationship with the Bank by allowing you to open Express Banking accounts. You were informed of this decision by Mr. B. and were provided new account material explaining the features and benefits of the Express Banking accounts. In addition, you accepted the terms and conditions for your new accounts by signing a signature card. At this time we are unable to convert or reopen your closed Essential Checking accounts. I apologize for the inconvenience this may cause you. You also requested that we provide you with the $200.00 credit that was promised to you at the time you opened your checking accounts on January 25, 2016. I confirmed that the Bank had a promotion at that time for new customers who opened checking accounts with the Bank. New customers who opened checking accounts were eligible to receive a $200.00 bonus if the accounts met the following criteria: ** Account must be opened with a $50.00 deposit ** Account must receive a direct deposit of any amount within ninety (90) days of account opening ** Must make three (3) online bill payments via Fifth Third Bank’s Online Bill Payment system within ninety (90) days of account opening. I verified that you opened both of your Essential Checking accounts with a $50.00 deposit. You also received a direct deposit in each of the Essential Checking accounts. Neither checking account had any online bill payments processed from our Online Bill Pay system. However, your accounts were closed before the ninety (90) day timeframe ended. Express Banking accounts do not have access to our Online Bill Pay system; therefore, you have not had an opportunity to fulfill the online bill payment portion of the promotion requirements. However, in the interest of customer service, enclosed is a check for the $200.00 bonus. Please be advised this bonus may only be applied to one (1) checking account. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna T. Office of the President Pc: Revdex.com Enclosures: Account Closure Letter, Returned Deposit Item Images (2), and refund check

We have responded to the customer’s Revdex.com complaint two times and received a duplicate complaint today. We are unable to provide the customer any specific internal actions that may be taken. We have addressed her concerns, we have contacted the proper managers in the region to ensure proper coaching and corrective action has taken place. However, we are unwilling to provide the customer with any specific actions and will not be responding to the 3rd complaint we received today. We believe our letter dated March 26, 2018, properly answers all of the customer’s concerns.

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.  Their reply was, "They did nothing wrong."  Of course not.I did everything I could to keep my mortgage current.  Called and called, filled out paperwork, everything.  A couple of months later, when I was thinking about refinancing my mortgage, the gentleman I spoke with at first said I was behind then after discussing the situation and investigating facts, agreed with me that my mortgage was NOT behind.  Suddenly 6-7 months later, I start getting calls and letters telling me I am behind in my mortgage.  Naturally, they waited until the $$$ amount built up before saying anything.  I had to pull money out of my Christmas savings to make the payment.  Basically, I had to take away from my kids Christmas because of this situation.They offered to "knock off" one month of late fees.  Why wouldn't they?  Who wouldn't want to "knock off" a month of late fees to make it look like they are doing YOU a favor after cheating you out of over $100.  Crooked company who I will never do business with again and I am currently looking for a new mortgage company.  
Regards,
[redacted]

Revdex.com:I appreciate your response. Sometimes you can do things but simply shouldn't. I have been paying my payments consistently and every time I pay a large payment you drop my limit to the payment. It shows me every month maxing out my credit card. This time my credit score dropped 15 points and it has happened 5 times. I woe the day I ever opened this card.
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] Date: March 21, 2018 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 document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties at 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. Fifth Third Bank does not have the title to your vehicle. When your vehicle installment loan was originated on March 31, 2015, Fifth Third Bank sent its request to place its lien on the vehicle; however, Fifth Third Bank was never in possession of the vehicle title. Since you lived in [redacted] when your loan was originated, the [redacted] Department of Motor Vehicles (DMV) has the vehicle title. You will need to contact the [redacted] DMV to request the vehicle title. Once you receive the vehicle title from the [redacted] DMV, you can then contact the [redacted] DMV to get the vehicle titled in [redacted]. On behalf of the Bank, please also accept my sincere apologies for any issues you may have experienced when you previously contacted the Bank regarding this matter. We strive to provide professional and accurate service and we regret if this has not been your experience. 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: March 29, 2018 Account: [redacted] Regarding Your Recent Experience Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com (Revdex.com) regarding your recent deposit to your Essential Checking account ending in [redacted]. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the continued time you have taken to communicate your thoughts and concerns. We initially received a copy of this complaint on March 5, 2018 via the Revdex.com. We received a duplicate complaint from you on March 22, 2018. Although we regret your continued frustration with this matter, we stand by the response conveyed to you in the previous letter sent on March 14, 2018. I have enclosed a copy of that prior correspondence for your review. As stated in the voicemails I have left you on March 7, 2018, and March 26, 2018, as well as in the enclosed previous response, I would be happy to review the matter further with a receipt for the transaction in question reflecting this amount. To have this additional research completed, please mail the receipt to me directly at: Fifth Third Bank Office of the President Attn: Sarah S.5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 Alternatively, you may fax a copy of this to ###-###-####. [redacted], Fifth Third Bank strives to provide professional and accurate service to our customers, and I 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, Sarah S.Office of the President Enclosure (1): Previous Response Letter

[redacted] Date: January 26, 2017 Account: [redacted] Account: [redacted] Regarding Your Recent Debit Card Dispute Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau concerning your recent debit card dispute. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that Fifth Third Bank takes your feedback regarding your experience very seriously, and I have contacted the relevant parties to pass on your concerns. We strive to provide professional and accurate service to our customers, and I regret if the service you received did not meet the same high standards. On September 13, 2016, a $270.75 charge posted to your checking account, the merchant was [redacted]. You contacted the Dispute Resolution Department to file a claim. The Dispute Resolution Department opened an investigation on the unauthorized transaction. Please find enclosed a copy of the letter mailed to you on September 16, 2016, informing you of the case number [redacted]. This letter also informed you that additional research was required and the investigation may take thirty-one (31) calendar days. For your convenience we have also enclosed the provisional credit letter mailed to you on November 17, 2016. This letter informed you that the Bank had provided you with credit for the full amount. It should be noted, this credit was not permanent, and the investigation was still ongoing. On January 3, 2017, the Dispute Resolution Department closed their investigation and denied your claim that the charge was unauthorized. Please find enclosed the documentation provided to the Disputes Resolution Department from the merchant. The letter informed you that the provisional credit would be removed from your account. Included in the merchant’s documentation is a letter from the merchant dated December 7, 2016. In this letter, the merchant states that you were made aware of the $30.00 resort fee on two (2) occasions. The resort fee was disclosed when you made your reservation with [redacted], and also during your telephone call with the merchant on September 1, 2016. The $270.75 charge included a $225.75 in resort fees, and $45.00 for a mirror missing from your room. The Disputes Resolution Department considers this investigation closed. It was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. We value your relationship and look forward to fulfilling all of your financial needs for years to come. 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: Letters (2) Merchant Documents

[redacted] Date: April 15, 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 (Revdex.com), regarding your...

installment loan. 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 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 our senior and executive management teams review customer feedback as part of our ongoing commitment to improving our customers’ satisfaction. On March 15, 2016, the Bank received and processed your installment loan payment for $30,000.00. This payment satisfied the amount owed on your installment loan. The Bank sent you a paid in full letter, which I have enclosed for your records and convenience. Because [redacted] is an electronic title state, the State automatically releases our lien when an account is paid in full. Additionally, [redacted] prints and sends a title lien free directly to you. Because the Bank’s lien has been released from the vehicle, we are not able to file for a duplicate title on your behalf. You will need to contact the state title office for a duplicate title. 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 Enclosure: Paid In Full Letter