PROCORPSA

[redacted]Date: June 30, 2015Account:    [redacted]Regarding Your Essential Checking AccountDear [redacted]We received a copy of the complaint you filed with the Revdex.com regarding your Essential Checking account....

We appreciate the time you have taken to document your thoughts and concerns.On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction.On June 12, 2015, you informed the [redacted] Banking Center of your intent to close the Essential Checking account ending in [redacted] due to an unauthorized charge that would be coming through from [redacted] Preschool. The remaining funds were transferred from the account into the new Essential Checking account ending in [redacted]. Due to the request to close the account and the knowledge that an unauthorized transaction was scheduled to come through, the banking center processed a request to place a hold on the account. This hold would not prevent the charge, but ensure that the transaction was returned to the merchant as unpaid. The following activity occurred on the Essential Checking account ending in [redacted]:On June 15, 2015, a transaction in the amount of $135.00 from [redacted] Preschool attempted to post to the account, however, this transaction was returned as unpaid on June 16, 2015. Because this item was returned, a $37.00 return item fee was assessed to the account.On June 16, 2015, a transaction in the amount of $153.86 from [redacted] attempted to post to the account, however, this transaction was returned as unpaid on June 17, 2015. Because this item was returned, a $37.00 return item fee was assessed to the account.On June 17, 2015, you transferred $153.86 from the account ending in [redacted] to the account ending in [redacted]. In addition, funds were transferred in the amount of $79.86 from the account ending in [redacted] to the account ending in [redacted]. The account ending in [redacted] had a zero remaining balance, and you closed the account.On June 18, 2015, the account ending in [redacted] was reopened by the [redacted] Banking Center. In the interest of customer service, the Bank reversed $37.00 of the return item fees that were assessed back into the account.On June 19, 2015, you transferred $37.00 from the account ending in [redacted] to the account ending in [redacted]. The account had a zero remaining balance, and you attempted to close the account. After the requested closure, a transaction in the amount of $49.55 from Comcast Cable attempted to post to the account, causing the account closure to fail. This transaction was returned as unpaid on June 22, 2015. Because this item was returned, a $37.00 return item fee was assessed to the account. On June 22, 2015, a transaction in the amount of $160.00 from [redacted] Preschool attempted to post to the account, however, this transaction was returned as unpaid on June 23, 2015. Because this item was returned, a $37.00 return item fee was assessed to the account.On June 23, 2015, the Bank reversed the $37.00 return item fee that was assessed for the [redacted] Preschool transaction because you indicated that was a fraudulent transaction. Also, in the interest of customer service, the Bank reversed $20.50 of the return item fees that were assessed to the account. In addition, funds were transferred in the amount of $37.00 from the account ending in [redacted] to the account ending in [redacted]. The account had a zero remaining balance, and you closed the account.On June 23, 2015, case C1506586656 was opened with our Disputes Department regarding the unauthorized transaction from [redacted] Preschool on June 22, 2015. Because the item was already returned due to insufficient funds, the dispute covered the associated return item fee. On June 25, 2015, the account was reopened by the Disputes Department, and on June 26, 2015, the overdraft fee that was assessed on June 23, 2015, in the amount of $37.00 was reversed into the account.On June 27, 2015, you transferred $37.00 from the account ending in [redacted] to the account ending in [redacted]. The account had a zero remaining balance, and per your request in your complaint we closed the account.On June 29, 2015, we processed a request to close the account. After the requested closure, a transaction in the amount of $49.55 from Comcast Cable attempted to post to the account, causing the account closure to fail. This transaction was returned as unpaid on June 30, 2015. Because this item was returned, a $37.00 return item fee was assessed to the account. However, this fee was reversed in order to close the account.As a result of the transactions attempting to post to the account after the requested closures, your account was unable to close. However, it is evidenced that you made multiple attempts to close the account. As previously detailed, the Bank reversed $168.50 of the return item fees that were assessed to the account. Because of your multiple attempts to close the account, we reversed the remaining $16.50 in return item fees that were assessed to the account. We submitted a request on June 30, 2015, to have these funds deposited into your Essential Checking account ending in [redacted]. In total, $185.00 in return item fees were assessed, and $185.00 in return item fees have been returned to you. In addition, the account was closed on June 30, 2015. We regret the frustration and inconvenience this matter has caused you.In the future, if you are aware of an unauthorized transaction that may attempt to post to your account, you are able to place a stop payment on that transaction. If you wish to place a stop payment on any transaction in the future, please visit your local banking center, or call customer service at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET.Thank you for your patience while we researched this matter. 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.[redacted]Office of the President

Please see below the response being mailed to the customer today. The check will be included with the mailed response. Thank you. [redacted] Date: October 27, 2016 Account: [redacted] Regarding Your Bill Payments Dear...

[redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding the bill payments you set up through Fifth Third Bank’s Online Bill Payment. 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Payments through Online Bill Payment may be set up as one (1) time payments, or recurring payments. It is your responsibility to cancel, skip, reschedule, or revise a scheduled payment as necessary. The due date for a payment means the date by which you schedule the payment to be delivered to a payee unless the date falls on a non-business day, in which case it shall be the preceding business day. A business day is defined as Monday through Friday, excluding Federal Holidays. You should allow up to five (5) business days for the payment to be processed to ensure that the payee receives the payment by the scheduled due date. I have enclosed a copy of our Digital Services User Agreement for your convenience. Please refer to pages six (6) and seven (7) regarding Online Bill Payment. Please note that some bill payments are made via check, and some are made via electronic transaction. Fifth Third Bank cannot control when a check will be presented by a payee, and it is possible for a check to be presented before the due date. It is your responsibility to ensure you have sufficient funds available in your account to pay all requested bill payments, no matter the method of payment. If you do not, you may incur fees such as overdraft fees, or returned item fees. On October 12, 2016, you set up two (2) payments through Online Bill Payment in the amounts of $117.76 and $563.60 which were both made payable to [redacted]. You scheduled the payments with a “deliver by” date of October 18, 2016. Both payments were paid via check, so they were processed and mailed that same day, which was four (4) business days before the “deliver by” date, to ensure that the payments would be delivered by October 18, 2016.  On October 17, 2016, both bill payments posted to your checking account. On that day, the beginning balance in your account was $1,437.37. In addition to the two (2) bill payments totaling $681.36, ten (10) debit items totaling $1,229.15 posted your account resulting in a negative ending balance of ($473.14). Due to insufficient funds for four (4) items, including the two (2) bill payments, four (4) overdraft fees totaling $100.00 were assessed and posted to your account the following business day. On October 18, 2016, your account was brought to a positive balance. I have enclosed a copy of the overdraft notice we sent to you on October 18, 2016, for your review. It was certainly not our intention to cause you any hardship. After speaking with Lee F., Bancorp Resolution Manager, regarding your telephone conversation with her, I recognize that I should have given you a status update on your complaint rather than waiting on a resolution. I am truly sorry for that, and I want to assure you that going forward I will make sure to keep customers up-to-date on the statues of their complaints regardless of whether a resolution has been reached. As you discussed with Ms. F., we have enclosed a check in the amount of $26.00 to reimburse you for the remainder of the overdraft fees you incurred. Thank you for your patience while we researched this matter for you. We deeply regret that you felt the need to close your account, and we sincerely hope you will reconsider allowing Fifth Third Bank 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, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Digital Services User Agreement, Overdraft Notice, Reimbursement Check

[redacted] Date: September 7, 2016 Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

regarding your recent deposit. 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 and I regret the difficulties you have experienced. I have shared the information you brought to our attention with the banking center manager at the [redacted] Banking Center. We appreciate your feedback as it assists us in identifying problems and helps continuously improve the level of service we provide to our customers. However, I cannot inform you of specific internal corrective actions that may be taken to resolve the matter. We appreciate having you as our customer and value the trust you have placed in us. Despite our best efforts, mistakes sometimes happen. On Friday, August 26, 2016, you made an $856.00 cash deposit into your checking account ending in [redacted]. If the deposit would have properly posted to your checking account, the funds would have been available immediately. As you are aware, due to a processing error the deposit did not post to your checking account. On August 29, 2016, you made several attempts to contact the banking center manager regarding this deposit. Unfortunately, the manager was unexpectedly out of the office on Monday, August 29, 2016. However, the banking center employees correctly submitted a research request to locate your deposit. In addition, the banking center employees contacted their Regional Risk Manager who provided provisional credit to your account while the research request was processed. On August 30, 2016, two (2) credits of $856.00 posted to your checking account. On August 31, 2016, one (1) of the $856.00 credit transactions was reversed. This reversal properly balanced your checking account. The transactions will be on your next statement; however, I have enclosed a copy of the recent activity in your checking account as verification of the fee reversal and the credit activity. Your account was assessed a $37.00 overdraft fee due to this processing error. On August 31, 2016, the banking center manager reversed this fee. The Bank did not report this activity to the debit bureau agencies. 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 Enclosure: August Checking Account Activity

[redacted] Date: February 25, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding the collections calls...

you received related to your installment loan. We appreciate the opportunity to review this matter. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. Please be assured that we take your comments very seriously. We sincerely value your feedback as it assists us in delivering first class customer service which is a priority to us. It is feedback like yours that helps in identifying problems to 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. Thank you for the time you have taken to share your thoughts and concerns. On August 9, 2012, you were approved for and agreed to a vehicle loan of $9,372.42 with a fixed rate of five point six four percent (5.64%) for a term of forty-eight (48) months with a maturity date of August 8, 2016. Your installment loan was considered past due for payment if we did not receive your total monthly payment by the eighth (8th) of each month. The final calendar day of your ten (10) day grace period was not considered the due date for your payment obligation. The grace period indicated when a late charge would actually be assessed to your loan for a past due payment. If a payment does not post by the due date shown on the contract, 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. The Bank may make several calls each day in an effort to obtain a payment or to arrange suitable payment arrangements. On behalf of the Bank, I would like to apologize for the inconvenience these phone calls may have caused. It was certainly not our intention to cause you any frustration. On February 16, 2016, we received a check in the amount of $1,483.21 made payable to Fifth Third Bank. This check was applied to your vehicle loan and served as a full payoff of the loan for the [redacted]5 [redacted] that was held for collateral. This payoff payment was applied to your loan on February 16, 2015. You will be receiving a notification letter from the Bank confirming that your loan was paid off and closed with a zero balance owed. Thank you for your patience while waiting for a response, and we sympathize with the difficulties you have encountered regarding your loan. You were a valued customer and we look forward to servicing 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., EST. Sincerely, Lisa S. Office of the President Pc: Revdex.com

[redacted] Date: January 11, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning a...

returned deposit item and the available balance on your checking 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 this matter may have caused you. Please be assured that we have contacted the relevant parties and passed on your concerns. On November 16, 2015, you deposited a check in the amount of $1,950.00 into your checking account ending in [redacted]. Unfortunately, those funds had not been verified or collected at that time. Although we work diligently to prevent fraud perpetrated against the Bank and all of its depositors every day, Fifth Third must also respect certain transactions initiated and requested by our customers. On November 19, 2015, the beginning available balance in the checking account ending in [redacted] was positive $93.75. Two (2) items totaling $2,043.75 posted to the account including the returned deposit item of $1,950.00, which was returned unpaid as Altered/Fictitious. Due to this reason, a return deposit item fee of $15.00 was assessed to the account that also posted on that same day. In addition, an online transfer from your savings ending in 7331 for $107.10 posted as a credit to your account that day. The ending available balance on November 19, 2015, was negative (-$1,857.90). The check in question was discovered to be counterfeit and Bank Protection became involved and placed a hold on your account on December 30, 2015, in the amount of $500,000.00. The hold amount of $500,000.00 is only a temporary hold and used by Bank Protection to secure the account. The reason that your available balance is showing as negative ($502,384.57) is due to the $500,000 hold. Once the hold is removed, your available balance will be updated. The hold will be removed between day twenty five (25) and day thirty (30) and the account will be charged off for $2,384.57. Please be assured that it is not our intention to cause you any undue hardship and we are very sorry for the difficulties you have experienced. If you would like to contact Bank Protection directly, they can be reached at ###-###-####, Monday through Friday, 8 a.m. to 7 p.m., Saturday, 8 a.m. to noon, ET. Please reference case # C1512746635. [redacted], we strive to provide professional and accurate service to our customers and I am sorry if that has not been your experience. You are a valued customer and we look forward to serving your financial needs in the future. If I can be of any further assistance please contact me at ###-###-#### or toll free, ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C. Office of the President Pc: Revdex.com Enclosure: Statement

[redacted] Date: October 19, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com (Revdex.com) regarding your escrow...

refund check. Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. Please be assured that we have researched the issue surrounding the escrow refund check in the amount of $218.16 which was not received by you; we deeply regret that this check was not received when it was sent previously. I was pleased to confirm that this check has been stopped, and a new check was sent to you via overnight mail to the address listed above on October 18, 2017. Additionally, your comments expressing less than quality service you received are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. Mr. [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, [redacted] 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.   I would appreciate a great deal please if Fifth Third Bank would please explain why it immediately issued me a credit to my account concerning my dispute with [redacted] for the amount of three hundred and fifteen dollars and are refusing to issue me a credit to my account for the exact same type of fraudulent transaction which took place that is now occurring with the [redacted], [redacted], as I explained to Fifth Third bank's Dispute department in specific detail when filing both disputes where one of which, [redacted], was immediately credited to my account which was prior to my filing a complaint against Fifth Third Bank with the Revdex.com and the [redacted], with the other, [redacted], not immediately credited to my account and denied only after I filed my complaints with the Revdex.com and the [redacted] against Fifth Third Bank. I will proceed in filing additional complaints with the [redacted] and the [redacted] against Fifth Third Bank and Elizabeth D. if my account is not credited the full amount of my dispute against [redacted] as it is a fraudulent transaction, please.
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.  
The letter from the bank states that no adverse reaction would be taken against my credit report but it has already been adversely affected. All three credit bureaus are reporting 5 months late. I will be writing a letter to 5/3 bank and cc their general counsel that this needs to be remedied by 1 April or we will have to take legal action. We are unable to secure other credit because of this issue. We will also be asking for a paper statement every month which we do not receive.
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.   
As I previously stated I was not informed of anything on this account.  The documents mentioned by the bank are addressed to my daughter and not to me.  Again, If there was an issue with the account that could affect my credit or anything else pertaining to me the bank had a legal obligation to notify me independently and they did not do that.  I was never sent a letter addressed to me from the bank.  I was never informed that there was a balance and I was never told that my name would be reported to check systems.  There is no reason for fifth third bank to be taking this action against me.  I have accounts with them currently that I have had for years and I have never had any incidents.  Reporting me to credit agencies and [redacted] is unethical and illegal.  I have not written a bad check, I have not deposited a bad check, I have not signed off on a bad check, no checks have been deposited into my account that were not good and I have not overdrawn my accounts or abused them in anyway. Fifth Third needs to remove my name from [redacted] and they need to unmark my credit file.  I do not owe them any money and I have been a good and loyal account holder.
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.   
Thanks for the phone numbers and explanation, but it does not address.. * why I was limited to scheduling 4 payments * why there is no way to automate this
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 only said they were sorry and never did anything further. They never attempted to verify my statements and apply a refund. Every time I called them they promised to look into the issue and get back to me within 3 or 4 days but they never did. Every time I called them it was the same story. I ended up refinancing my auto loan through a different bank so I no longer have to deal with Fifth Third Bank's unjust and incorrect over charges.
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.  While I do appreciate the bank writing a response, it does not indicate why they feel the need to treat their customers with such disrespect. A grace period is just that. A grace period. There should be NO harassing phone calls during such a time. The people calling were very unprofessional, degrading, and condescending.  My wife, being seve monthspregnate at one of the times was harassed by an agent from their caller division, and really upset her. The payment was due on the 8th, and the calls (there was a total of 6 made that day) on the 9th by the guy were very rude to her. I ended up going to the branch that afternoon and demanded to know why they were treating my wife so poorly on thephone. No manager, but a teller aided me and told me this would never happen again. Well, it did. And that's why I wanted this loan paid off, and be done with it. During my last visit to the fifth third bank near [redacted], I was just totally dumbfounded as to how the branch manager treated me and his tellers. The customer in front of me, had an issue. The teller asked the manager for assistance, and he said he was busy activating someones card. She had to walk around, and go to himto get this customer taken care of. Then it was my turn. I asked to see the same manager so that I could pay off  my wife's loan, and the same result occurred. The manager once again was called, only for him to again remind the teller he was "busy". He was not with any other customer, and was just sitting at his desk starring at his computerscreen. The teller did her best, working with other tellers to figure out how to pay my loan off. About 6 minutes later he walked up to the teller, and whispered something to her about the process, then disappeared. Never once asked me how my experience was, never said a word to me. I am glad my loan is paid off, as this is by far one of the worstbanking experiences I've ever had to deal with in my life. I will not ever return, nor do business with fifth third again. 
Regards,
[redacted]

[redacted] Date: July 6, 2017 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com concerning your vehicle installment...

loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. Please also accept my sincere apologies for the level of service you received when you previously discussed this matter with our Collections Department. We strive to provide professional, courteous, and accurate service to our customer and we regret if this has not been your experience. We understand your concerns about the collection calls you received. Our Collection Department begins making calls to customers when a payment is not received by the due date. They are a failsafe Fifth Third Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. They are certainly not intended to cause you any hardship or frustration. Thank you for taking the time to discuss this matter with me on the telephone on June 26, 2017. At that time, you explained that the $400.00 payment in question was made by you in either July 2014 or July 2015. Regarding your June 2017 payment, on June 2, 2017, we received your payment of $265.34. On June 5, 2017, we received your loan payment of $265.34. The $265.34 payment received on June 5, 2017, was returned on June 6, 2017, because the paying account number provided was incorrect. In response to your complaint letter, we conducted a thorough review of your loan payment history. Our review of your loan payment history determined that all of your loan payments were processed and applied correctly when received. Since the Bank is legally required to report accurate loan payment information to the credit reporting agencies, we cannot accommodate your request to correct prior negative credit reporting of your account. The Bank can only correct negative credit reporting of an account if the negative reporting is due to an error made by the Bank. Since your loan payments were correctly processed and applied when received, and since we are legally required to report accurate loan payment information to the credit reporting agencies, we are unable to correct prior negative credit reporting of the loan. We regret if this causes you any inconvenience or frustration. If you would like to contact the credit reporting agencies directly, their contact information is below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### According to the enclosed copy of the loan payment history, we did not receive a $400.00 loan payment in July 2014. We also did not receive a $400.00 loan payment in July 2015. I want to take this opportunity to ensure that you are aware that you can view useful and important information regarding your loan on our website at 53.com. You can also make loan payment on our website at 53.com. Since you do not have a Fifth Third Bank debit card or credit card, you have the ability to enroll for online banking using your account number, full Social Security number (SSN), and information your loan note, a copy of which is enclosed. In order to enroll you will be required to reference your loan note to answer the verification questions asked. If you would like to enroll in online banking, please visit our website at 53.com. On the home page, select LOG IN. Since you are a first time user, you will need to click on the link to Register. From that point, you will be guided through the steps necessary to enroll in online banking. If you have question or need assistance establishing online access to your loan on our website at 53.com, please contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday 8:30 a.m. to 5 p.m., ET. I also want to be sure that you are aware of a payment option offered by the Bank, which may help you to avoid late payments in the future. It is a service called Auto BillPayer. Auto BillPayer will automatically transfer monthly payments from a non-Fifth Third Bank checking account to your installment loan at no cost to you. If you are interested in Auto BillPayer, please call ###-###-####, Monday through Friday 8 a.m. to 5 p.m., ET. Your next loan payment of $669.17 is due on July 4, 2017. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P. Office of the President PC: Revdex.com Enclosure: Payment History

[redacted] [redacted] [redacted] Date: January 20, 2017 Account: [redacted]Regarding Your Mortgage Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your mortgage 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. We received two (2) payments for your mortgage loan in December 2016. The payment we processed on December 1, 2016, covered the payment due for December 2016. The payment we processed on December 5, 2016, covered the payment due for January 2017, causing the account to be paid one (1) month ahead. I confirmed that you do not utilize Fifth Third Bank’s automatic payment service, Auto BillPayer. Fifth Third Bank does not automatically initiate payments on your behalf. If you utilize automatic payments, it is through a non-Fifth Third Bank service. You contacted the Bank on December 7, 2016, to request the extra payment be returned back to you. When an overpayment on a loan or mortgage is requested to be sent back, the Bank waits ten (10) business days before creating a check to ensure the payment is not returned for any reason. Ten (10) business days from the date of the refund request was December 21, 2016. Unfortunately, we did not create the check until December 23, 2016, which was mailed to you the next business day on December 27, 2016. I am sorry for the distress that the delay in returning the check to you caused. Please be assured that I have forwarded this situation to the relevant Bank personnel. While there was an additional two (2) business day delay in creating the refund check, the Bank did not cause the double payment. For this reason, we are unwilling to provide you with financial compensation as requested. 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

[redacted] [redacted] [redacted] [redacted] Date: October 29, 2015 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your Essential Checking account ending in [redacted]. 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 account. Your remarks about how the Bank processes transactions and handles account overdrafts are very concerning. Please be aware that the Bank utilizes a standardized method for processing transactions and handling account overdrafts. Fifth Third Bank processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order: 1. Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability Policy. 2. Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are received. 3. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges in the order of the largest amount to the smallest amount. The information displayed on the Bank’s website at www.53.com, is provided as a convenience to our customers. It is designed to assist our customers in monitoring their accounts. Please note that when a check is outstanding on your account, it will only be displayed on our website after it has posted to your account. For this reason, it is important to ensure that you have sufficient funds in your account to cover transactions you authorized. A check that has been presented for payment posts to your account at the end of the business day on which it is presented for payment. Because of this, if you view your account balance on our website before the end of the business day on which the check is presented for payment, the check being presented for payment will not be reflected in the account balance. It will be reflected in your account balance on our website the next business day. On September 30, 2015, the ending balance in your checking account was $35.06. On October 1, 2015, check number 9001 in the amount $25.00 posted to your account. The ending balance in your account on October 1, 2015, was $10.06. On October 2, 2015, the debit card purchase of $14.29 at Fazoli’s posted to your account. The ending balance in your checking account on October 2, 2015, was negative ($4.23). On October 5, 2015, you initiated a $4.23 transfer from your checking account to your Access 360 card, overdrawing your account further. If this was done by mistake, we have no record of you making an adjustment and transferring the funds back to your checking account. The ending balance in your account on October 5 was negative ($8.46). Your checking account was then assessed a $37 overdraft fee and the $11 monthly service on October 6, 2015 resulting in a negative balance of ($56.46). I have enclosed a copy of your account statement for your review. It was certainly not our intention to cause you any hardship, but our research did not reveal any wrongdoing by Fifth Third Bank. We also believe that we assessed applicable overdraft fees to your account in accordance with the Bank’s policies and procedures; however, we are still willing to help you. If you deposit $8.46 into the account, which is the amount owed on the account before any fees were assessed, we will reverse the fees that have been charged on the account since October 5, 2015, and close the account. Please be aware that this cannot be done until you deposit $8.46 into the account. I have tried to call you at the number we have on file for you but have not been able to reach you. Please visit a Fifth Third Banking Center to deposit $8.46 into your account as soon as possible. Please also be sure to bring this letter with you when you make the deposit so that I can be contacted after the deposit is made and then ensure that the account gets closed. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P. Office of the President PC: Revdex.com Enclosure: Statement

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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: April 5, 2016 Regarding Your Revdex.com Complaint Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning a check that was returned unpaid...

to you due to it being fraudulent. We appreciate you taking the time to notify us of this and the information has been forwarded our Fraud Department. We would like to offer our sincere apologies for any inconvenience this matter may have caused you. While we are unable to provide you details regarding the Fraud Department’s investigation, or reimburse you for the check, we recommend contacting your local police department to further discuss the situation. They are able to assist you with completing the necessary documents for any fraud that may have occurred. We strive to provide professional and accurate service to our customers, and I apologize for any difficulties 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, Shannon K.Office of the President

[redacted], We received the attached rebuttal for [redacted]. We have previously opened 3 issues and fully researched this customer’s concerns. We have already provided the customer with a copy of the Satisfaction of Mortgage that was recorded by the county on 11/10/15, which documents the fee charged by the county. This newest complaint does not provide any additional information regarding this issue. We have provided 3 written responses to [redacted] and we are considering this matter closed. Thank you, Lisa S.| Fifth Third Bank Consumer Resolution Specialist| Office of the President

[redacted] Date: March 14, 2018 Account: [redacted] Regarding Your Recent Experience Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com (Revdex.com) regarding your...

recent deposit to your Essential Checking account ending in [redacted]. Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. Please be assured that we have researched the issue surrounding the deposit you made on March 3, 2018, that was not credited correctly to your account. We deeply regret that this occurred, but were pleased to verify that the deposit in the amount of $700.00 was able to be credited to your account on March 5, 2018, after this matter was researched at the Bowling Green Downtown Financial Center. Regarding your statement that the transaction amount in question should have been $1,000.00, I have regrettably been unable to find record of this. I have verified that the transaction that posted incorrectly that was completed on March 3, 2018, at 9:02 am at the Bowling Green Downtown Financial Center in the amount of $700.00 had been itemized and included $400.00 in one hundred dollar bills and $300.00 in twenty dollar bills. I deeply regret my inability to discuss this with you when I called, but as I stated in the voicemail I left on March 7, 2018, 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 ###-###-####. Additionally, your comments expressing less than quality service you received are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. I also want you to know that customer feedback of this sort is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. 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

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]