PROCORPSA

[redacted] [redacted] [redacted] Date: August 7, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your checking...

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. Thank you for taking the time to speak with me about the account and your concerns. I was able to complete additional research to address the situation, and explain the series of events involving the fraudulent checks deposited to your checking account. Enclosed is a copy of the Rules and Regulations applicable to your checking account. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately. The remaining funds will be made available on the next business day. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday or a Federal Holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal Holidays. Deposits received after certain cut-off times may be credited as of the next business day. On July 15, 2017, you deposited a $4,989.00 check to your checking account ending in [redacted]. The first (1st) $100.00 from the deposit was made available for use. Because the deposit was made on a Saturday, the day of deposit was the following Monday. The full funds from the deposit were available for your use on Tuesday, July 18, 2017. The funds were made available per our standard Funds Availability Policy as outlined in the Rules and Regulations. I understand that when you deposited the check, the teller had a manager review the check before processing it. I confirmed that the teller who processed the check was unsure of its validity so she had a manager review. They had wanted to place an extended hold on the check to ensure the check was valid. However, there was no applicable reason per Federal Regulation to place an extended hold on the check. As a result, no hold was placed and the funds became available per our Funds Availability processing. On July 19, 2017, you deposited a $9,989.00 check that you stated was sent to you by the same person who sent you the $4,989.00 check. Per Federal Regulation CC, we were able to place a hold on the check amount above $5,000.00. Enclosed is a copy of the hold notice that we issued. The banking center confirmed that you returned approximately an hour later with another $9,989.00 check. They asked you about the checks. You explained that the checks were from a job you started that paid $20,000.00 to begin with in order to buy materials before the job started. This information alerted the teller that the checks were possibly fraudulent. She contacted our Bank Protection Department, who confirmed the checks were fraud. The Bank Protection Department then placed holds on your Fifth Third Bank accounts to prevent additional account activity. The $4,989.00 check was returned unpaid on July 20, 2017, for being an altered or fictitious item, so the funds were removed from your account. However, you had already utilized the funds. The $9,989.00 check, from which you utilized $100.00, was returned unpaid for the same reason on July 24, 2017. As a result, your checking account became negative. As of July 31, 2017, the balance in your checking account ending in [redacted] is negative ($5,118.61). Due to the activity on the account, the Bank has made the difficult decision to end our banking relationship with you. As a result, your checking accounts with the Bank will be closed. A copy of the closure letter sent to you is enclosed for your review. Please note that the closure does not affect your Access 360° account. However, the Access 360° account will be subject to the $4.00 monthly fee after your checking accounts are closed. Enclosed is a copy of the Access 360° Cardholder Agreement. If you would like to close the Access 360° account, please call ###-###-####. Representatives are available to assist you seven (7) days a week, twenty-four (24) hours a day. You have advised that you were not aware the checks you received were fraudulent, and I apologize for the distress this situation has caused. Please note that customers are responsible for negative balances in their checking accounts for returned deposits. Page two (2), section six (6), of the Rules and Regulations states that if a deposited item is returned unpaid for any reason, the customer is liable to the Bank for any loss, regardless of any confirmation of availability of funds done by Bank. For this reason, you will be responsible for repaying the negative balance to the Bank. If you are unable to make a deposit to cover the overdrawn balance before the account is closed, we will charge off the negative balance and may report the information to the intra-bank reporting agency ChexSystems. We may also report information regarding the account activity to Early Warning Services. The Bank may also contract a third (3rd) party collection agency to attempt to collect the debt on our behalf, or we may also sell the debt to a collection agency. 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: Rules and Regulations, Access 360 Cardholder Agreement, Account Closure Letter

[redacted] [redacted] [redacted] Date: December 23, 2015 Regarding Your Recent Call to the Bank Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your recent call to the Bank about [redacted] credit card 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 condolences for your loss. I am sorry for for the level of service you received when you contacted the bank regarding your father’s credit card account on December 16, 2015. Please be assured that Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your complaint, we researched this matter and reviewed the recordings of the calls. I want you to also know that customer feedback is reviewed by our senior management as part of our ongoing commitment to improving our customers’ satisfaction. However, I cannot inform you of any specific internal actions that may have been taken at this time. 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.  I only received a telephone call from Fifth Third Bank in which I answered it and it led to my actions sending in the payments I sent in. I received a letter dated for June 16, 2016 in which I responded to. I have received during the month of February 2016 two confirmation letters stating my number for contact, which is my cell number. I had no missed calls or messages from Fifth Third Bank regarding any matter. I have only received a letter recently regarding this issue, from Fifth Third Bank mentioning of a [redacted] to whom I have no clue is. All my busy has been with Fifth Third Bank regarding my mortgage. The allegations that Fifth Third Bank has made here concerning this issue for the communication we have had is incorrect.Regards,
[redacted]

[redacted] Date: February 9, 2016 Account: [redacted] Regarding Your Fifth Third Bank Business Standard Checking Account Dear [redacted]: We received your rebuttal to our initial response to your complaint filed with the Revdex.com, concerning the recent cash bonus promotion. We appreciate the time you have taken to express your concerns regarding this matter. Your original complaint was filed on February 1, 2016, dated February 1, 2016. We received your rebuttal to our response on February 9, 2016. However, we stand by the response conveyed to you in the previous letter sent on February 8, 2016. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. As mentioned in our original response, the $400.00 promotional cash bonus offer had the following requirements: 1. Open a new Fifth Third Bank business checking account before November 20, 2015 2. Make five (5) or more debit card transactions in the first sixty (60) days. 3. Maintain an average balance of $5,000.00 for the first sixty (60) days. On November 9, 2015, you visited the [redacted] Banking Center and opened a Business Standard Checking account. You did complete more than five (5) debit card transactions. However, your average balance was not above $5,000.00 for the first sixty days. The account opened with a zero balance for the first ten (10) days. Your initial and only deposit was on November 20, 2015. Therefore, this account did not qualify for the $400.00 promotional cash bonus.  I hope this correspondence cleared up any outstanding questions you had related to this issue. If I could be of further assistance to you, please contact me directly at 513-358- 2985, or toll free at ###-###-####, Monday through Friday, 8:00 a.m. to 6:00 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure (1): Previous Response Letter

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

[redacted] Date: January 19, 2017 Account: [redacted] Regarding Your Fifth Third Bank Credit Card Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We appreciate the...

time you have taken to document your concerns. I also appreciated the opportunity to speak with you. Please be assured that Fifth Third Bank takes your feedback seriously and our executive management does review customer complaints as part of our ongoing commitment to improving our customers’ satisfaction. Fifth Third Bank is constantly looking for ways to improve our credit card products and we believe that our new TRIO credit card will provide a better value for your everyday spending. That is why we are replacing your current card ending in [redacted] with a TRIO credit card, which is our best rewards card. TRIO has no Annual Fee and it is automatically enrolled in rewards. Your rewards are earned as points that you can redeem for cash back as a statement credit, or redeem for retail and restaurant gift cards, merchandise, and travel. As we discussed, your current interest rate of 11.49% (Prime + 7.74%) will not change for the existing purchase balance. Your existing purchase balance will remain protected under its current rate until it is paid off. The rate change to Prime + 10.74% will take effect with any new purchases made after the conversion in March. Please refer to your change in terms letter to see the exact date of the change. The multiple interest rates will also be broken out on your monthly statement. We are unable to exclude your current account from being converted. I sincerely regret any conflicting information you received about this topic. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S. Office of the President Pc: Revdex.com

[redacted] Date: July 3, 2017 Account: [redacted] Regarding Disputed Transactions Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. You disputed two (2) transactions that posted to your [redacted] Reloadable Prepaid Card ending in [redacted]. We opened Case # [redacted] for a purchase of $42.82 at [redacted] restaurant. There was a processing delay in issuing a provisional credit to you for this item and the provisional credit of $42.82 was issued on June 27, 2017. It was not our intention to cause you any hardship and I apologize for any inconvenience this may have caused you. Based upon the information you provided within your complaint dated June 20, 2017, we opened Case # [redacted] for a purchase of $35.00 at [redacted]. The provisional credit for this item was issued to the card on June 26, 2017. The merchant has a specific time interval in which to respond and prove that the charge is valid. The provisional credit either becomes permanent or is removed depending upon the merchant’s response. We strive to resolve all investigations as quickly as possible and will communicate the results of the investigation in writing once our research is complete. Our [redacted] Reloadable Prepaid Cards have a dedicated Customer Service Team that can be reached directly toll-free at ###-###-####. They are available twenty-four (24) hours a day, seven (7) days a week if you have additional questions regarding this matter. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

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 file attachment was unreadable (not a valid .pdf).  Furthermore, I contacted the City/County of [redacted] for verification but they have no record of receiving either the alleged recording fee or of the release of the mortgage lien on my home.
Regards,
[redacted]

[redacted] Date: November 15, 2016 Account: [redacted] Regarding Your ATM Deposit Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding a...

deposit you made at a Fifth Third Bank ATM (Automated Teller Machine). We appreciate the time you have taken to document your thoughts and concerns regarding this matter. I also want to thank you for taking the time to speak with me regarding your complaint. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with the ATM deposit you made on September 10, 2016. It was certainly not our intention to cause you any hardship. We strive to provide exceptional service to our customers, and I am sorry that was not your experience. 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. As we discussed during our telephone conversation, after receiving your complaint, our ATM Escalations Department reinvestigated your dispute. Their research determined that your deposit of $170.00 was rejected when the ATM went down on the day of your deposit, so the ATM did not show that it was out of balance. Unfortunately, when your dispute was initially investigated the [redacted] Bank Mart did not check all of the reject bins in the ATM. On November 10, 2016, during the reinvestigation the Bank Mart located your deposit of $170.00 in a previously unchecked reject bin in the ATM. We truly regret that we did not fully investigate your dispute during our initial investigation, and I am sorry for any frustration or distress this may have caused. After locating the deposited funds, we credited $170.00 to your checking account ending in [redacted] on November 10, 2016. The funds will be available after our overnight processing. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] Date: July 6, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com (Revdex.com) regarding your...

Fifth Third Bank 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 matter may have caused you. A checking account becomes dormant after a period of inactivity of twelve (12) months. Inactivity means there has been no deposit into or withdrawal from the account. Should a checking account become dormant due to inactivity, a fee of $5.00 is assessed to the account until activity has resumed on the account. Additionally, monthly periodic statements will not be sent until a transaction posts to the account and removes the dormancy. While the account remains dormant, statements will be generated annually in December. This information is disclosed in the Rules and Regulations provided to all customers when opening their accounts. I have enclosed a copy of our current Rules and Regulations for your convenience. Please refer to page six (6) regarding dormant accounts. On August 17, 2015, you opened a checking account ending in [redacted] with a $50.00 deposit. After twelve (12) months of inactivity, your account was considered dormant. You were made aware of the dormant status on your August 2016 statement. The statement contained the following message: OUR RECORDS INDICATE THAT YOUR ACCOUNT HAS HAD NO ACTIVITY FOR SOME TIME AND FOR YOUR PROTECTION IT IS NOW CONSIDERED DORMANT. A FEE OF FIVE DOLLARS MAY BE ASSESSED MONTHLY UNTIL ACTIVITY IS RESUMED ON THIS ACCOUNT. BY MAKING A DEPOSIT TO OR WITHDRAWAL FROM THIS ACCOUNT THE DORMANT STATUS WILL BE REMOVED AND FEES WILL NO LONGER BE INCURRED. FOR ADDITIONAL INFORMATION, PLEASE VISIT A LOCAL BANKING CENTER OR CONTACT OUR CUSTOMER SERVICE PROFESSIONALS AT ###-###-#### MONDAY THROUGH FRIDAY, 7 A.M. TO 8 P.M.; SATURDAY, 8:30 A.M. TO 5 P.M. ET. I have enclosed copies of the statements we sent to you at the mailing address on file, including the August 2016 statement, for your review. Please note that the mailing address on the statements is the same address you listed on your complaint. While your account remained dormant, a $5.00 dormant account fee was assessed to your account each month. When the last dormant account fee of $5.00 brought your account to a zero (0) balance, we closed your account on June 1, 2017. It was certainly not our intention to cause you any hardship. However, the dormant account fees were properly disclosed to you and were not assessed in error. Therefore, we are unable to return your initial deposit of $50.00 or any other portion of the balance. I am sorry for any frustration this may cause you. Thank you for your patience while we conducted our research. 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: Rules and Regulations, Statements

[redacted] Date: November 9, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to hear about the...

difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. You received a credit of $30.00 for a disputed item on March 13, 2013. The account remained in use and became overdrawn by ($28.64) on April 4, 2013. The account remained overdrawn until it was charged off with a negative balance of ($65.64) on May 30, 2013. The account was sold to [redacted] for ongoing collection efforts on December 16, 2013. [redacted] has since gone out of business and they may have sold the acquired debt to another collection agency. If you are contacted by a collection agency, you may request further validation of the debt in question. After reviewing your concerns, we stand by the response provided to you in the correspondence dated October 26, 2017, that was mailed to the above address. Specifically, we confirmed that the information provided to [redacted], a consumer reporting agency for deposit accounts, was accurate. However, as a courtesy, we have removed the reporting. In addition, there is no information in Early Warning Services, a consumer reporting agency for deposit accounts, associated with this account. I have enclosed a copy of it and the documents it references. We also appreciate that you chose to open a new checking account with us on November 3, 2017. We searched our records and did not find where you applied and were denied for a savings account. If you would like to apply for a savings account, you can apply online at 53.com, visit a Banking Center or call New Accounts at ###-###-####. Service Professionals are available to assist you Monday through Friday from 8 a.m. to 8 p.m., and Saturday from 8 a.m. to 5 p.m. ET. I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com Enclosures: Previous Response Letter from the Disputes Department Overdraft Notice Last three (3) Account Statements

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

installment loan. We appreciate the time you have taken to document your thoughts and concerns. We completed a review of the installment loan account ending in [redacted]. We received your authorization to setup automatic payments through Auto BillPayer, and the first payment was scheduled for October 16, 2015. Our review of the payments to the account included the following: Date Late Payment Payment Satisfied Date Charge (If NSF Fee (If Received Amount Due Returned Applicable) Applicable) 8/14/2015 $ 763.27 8/18/2015 10/16/2015 $ 763.27 9/18/2015 $ 38.16 10/18/2015 10/16/2015 $ 1,546.70 11/18/2015 11/18/2015 $ 763.27 12/18/2014 12/03/2015 $ 30.00 12/21/2015 $ 763.27 12/18/2014 12/23/2015 $ 30.00 1/4/2016 $ 770.00 12/18/2014 $ 38.16 On October 16, 2015, you spoke with our Collections Department and authorized the payment for the same date in the amount of $1,546.70, as well as the future payments dated November 18, 2015, December 18, 2015, and January 19, 2016, in the amount of $763.27 each. It should also be noted that the payment scheduled for January 19, 2016, is outstanding and will be drafted from the [redacted] account ending in [redacted]. If you wish to cancel this payment, please contact our Collections Department at ###-###-####, Monday through Friday 8 a.m. to 9 p.m., and Saturday through Sunday, 8 a.m. to 5 p.m., ET. As we previously mentioned, automatic payments through Auto BillPayer began on October 16, 2015, and were scheduled for the sixteenth day of each month going forward. On November 18, 2015, we submitted the payment request to [redacted], which was returned to the Bank on December 3, 2015, indicating the payment was not authorized. Because this payment was returned as unauthorized, Auto BillPayer was removed from the account. If you wish to enroll in Auto BillPayer for future payments, you may complete the enclosed authorization. You may return the executed document via fax to ###-###-####. In addition, because of the previous draft being returned as unauthorized, we will need a letter from [redacted] indicating that we are authorized to draft from the account. Please be advised, once we receive the executed enrollment form and requested letter, it can take up to three (3) weeks to complete the enrollment process. Our review of the account has determined there was no Bank error in the assessment of the fees. Because there was no Bank error, we are unable to accommodate your request to waive the fees. However, per your telephone conversation with the Bank on January 4, 2016, in the interest of customer service, the $30.00 NSF that was assessed to the account on November 18, 2015, was waived. You may wish to discuss this matter further with [redacted] to determine why the payment requests are being returned to the Bank as unauthorized. For your information, your next payment in the amount of $831.43 is due by January 18, 2016. This payment includes the principal and interest due for the account, as well as the $38.16 late charge that was assessed to the account on January 4, 2016, and the $30.00 NSF fee that was assessed to the account on December 21, 2015. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, [redacted] Office of the President Pc: Revdex.com Enclosure: Auto BillPayer Enrollment Form

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  I wish they could hamdle these kind of requests through customer service and not through Revdex.com
Regards,
[redacted]

[redacted] Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your 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 the level of service you received 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. After receiving your letter, I forwarded your concerns to the relevant parties in our Customer Service Department who thoroughly researched this matter. 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. However, I cannot inform you of any specific internal actions that may be taken. We have completed a review of your account ending in [redacted]. I have enclosed a copy of our Deposit Account Rules and Regulations, which details the order in which transactions post to your account on page fourteen (14). I have also enclosed the Overdraft Notice dated March 16, 2018. As we discussed by telephone, page two (2) of the Overdraft Notice shows the order in which the five (5) transactions posted to your account on March 15, 2018. As these transactions were all time-stamped debits, they posted in order from the oldest transaction to the newest. Please note that this time-stamp indicates the time that the merchant presented the item for payment and the Bank is unable to adjust the time-stamp. As the beginning balance in your account on March 15, 2018, was $31.63, the oldest transaction of $69.88 caused the account to become overdrawn. As a result, that transaction and the following four (4) transactions were each assessed overdraft fees of $37.00 each. We have been unable to locate any errors with either the posting order of these transactions or the assessment of these fees. I have also enclosed your Overdraft Notice dated March 19, 2018, which details the transactions that posted to your account on March 16, 2018. As these two (2) transactions posted to the account while the balance was negative, two (2) additional overdraft fees in the amount of $37.00 were assessed to the account. Our records indicate that we reversed overdraft fees totaling $74.00 on December 28, 2017, as a courtesy to you. As a result, we are not willing to waive additional fees at this time. We regret any difficulty this may have caused you. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Office of the President Pc: Revdex.com Enclosures: Deposit Account Rules and Regulations, Overdraft Notices

[redacted]Date:
June 22, 2015Account:     [redacted]Regarding Your Essential
Checking AccountDear
[redacted],We received a copy of the
complaint you filed with the Revdex.com concerning 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
concerns are reviewed by our senior and executive management teams as part of
our ongoing commitment to improving our customers’ satisfaction.To maintain the security of your account, I am sending this letter
to the mailing address we currently have on record for you. I noticed that the
address you use in your complaint is different. According to our security
protocols, I cannot update your mailing address based upon your complaint. I
encourage you to call customer service to make sure your address is properly
updated. They can be reached at ###-###-####, Monday through Friday, 7 a.m. to
8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET.We completed our review of the Essential Checking account ending
in [redacted], and the transaction you are
requesting to dispute from [redacted] that posted to your account on June 15,
2015, in the amount of $528.29. In our review of your phone calls with the
Bank, you mentioned that [redacted] billed you for an early cancellation fee and
non-returned equipment. As previously communicated to you, in order to dispute
this transaction, you would need to return the equipment to [redacted]. Once the
equipment has been returned to the merchant, you can contact our Disputes
Resolution Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.,
and Saturday 8:30 a.m. to 5 p.m., ET. Please note, as referenced in your
complaint, and previously communicated to you, the Bank does not have a
contract with [redacted] that is preventing you from disputing the transaction. I
am sorry for any misinformation you may have received.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.[redacted]Office of the President

[redacted]Date: March 21, 2017 Account: [redacted]Regarding Your Fifth Third Bank installment LoanDear [redacted]:We received a copy of the complaint you filed with the Revdex.com concerning your installment loan. We appreciate the time you have taken to...

document your thoughts and concerns regarding this matter,Please note your installment loan is a simple interest loan, with interest accruing daily on unpaid principal. When we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last payment. Then we apply the remaining funds to the unpaid principal balance. Your payment habits affect the amount of interest you pay over the life of the loan. If payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of your loan. Because less of your payments were applied to the principal balance, there may be a larger final payment due to additional accrued interest.We have completed our review of the payment history for your installment loan. Our review determined that the Bank has not received proof of insurance for October 11, 2016, through March 1, 2017. Therefore, the Bank force placed an insurance policy to cover the collateral. I have enclosed a copy of your Security Agreement stating you are required to provide proof of insurance during the life of your loan. Failure to provide proof of insurance will result in the Bank purchasing insurance on the collateral. The Security Agreement, section nine (9) item d, states: "Unless Borrower provides Bank with evidence of the insurance coverage required by Borrower's agreement with Bank, Bank may purchase insurance at Borrower's expense to protect Banks interests in the Collateral."On September 26, 2016, the Bank received a notice from your insurance company that your insurance policy was not active. The Bank notified you two (2) times requesting proof of insurance for this vehicle. have enclosed both letters mailed to you. Please use these notices as verification that the Bank contacted you about providing proof of insurance to avoid a force placed insurance policy. Please note the final letter dated November 22, 2016, informed you that the premium charged for the force placed insurance would be $1549.00.As mentioned above, our research confirmed a lapse of insurance on the vehicle from October 11, 2016, through March 1, 2017. The force placed insurance policy covered your vehicle from October 11, 2016, through October 11, 2017. On March 1, 2017, we received proof of insurance and payment for your insurance policy. The insurance policy was valid from March 1, 2017, through October 11, 2017. The force placed policy was cancelled and your installment loan was refunded $951.00. Please use the below breakdown as verification of your payments toward the force placed insurance policy.FORCE PLACED INSURANCE BALANCEDate Activity Amount Amount Pd. Balance12/14/2018 CPI Insurance Added $1,549.OO $1,549.001/3/2017 $154.90 $1,394.102/28/2017 $31.46 $1,362.64CP insurance 3/2/2017 Cancelled REBATE S951. OO $411.643/10/2017 $220.48 S191.16If you can provide proof of insurance for the lapse of insurance on your vehicle, October 11, 2016, through March 1, 2017, please send that documentation to my attention at the following address:Fifth Third Bank 5050 Kingsley Drive MD: 1|MOCOP Cincinnati OH 45263. Alternatively you can fax the proof of insurance directly to me at ###-###-####. Upon receipt of the requested documents, I will provide them to our Insurance Service Center and will refund your installment loan for the remainder of the force placed insurance policy.Please find enclosed a copy of a payment breakdown for your installment loan beginning with January 2016. Included in this breakdown is your payment due date (the 15" of every month), the number of days your loan was past due, assessed late fees, paid late fees and the payment date Satisfied by each payment.As of March 16, 2017, you have a past due balance of $792.07, and fees totaling $635.00. In order to bring your loan current, you would need to make a payment of $1,921.21 This payment would include your past due balance, your payment due April 14, 2017, and your fees. It should be noted, $191, 16 of this payment will be applied to satisfy your force placed insurance balance. Upon paying off the force placed insurance premium, your installment loan payment will revert to your regular payment of $339.24.We reviewed your telephone conversations on December 30, 2016, and January 3, 2017. On December 30, 2016, the agent informed you that the delinquent payment due was $1,851.10. You were informed that this amount did not include $210.00 in late fees. In addition you were informed of the lapse in insurance, and that the Bank had force placed an insurance policy on your vehicle. The agent correctly informed you that your monthly installment loan payment would increase by an estimated $155.00 a  month. In addition, the agent informed you that you would need to make a payment by December 31, 2016, and the agent held your installment loan from being charged off on December 30, 2016.On January 3, 2017, the agent noted your call from December 30, 2016, and correctly informed you that the delinquent balance not including late fees was $1,851.10.It should be noted, the Collection Department considers repossession of property when an installment loan becomes more than sixty (60) days past due. As noted on the enclosed payment breakdown, the Bank received your most recent payment of $600.00 on February 21, 2017. In error, the banking center used an incorrect processing ticket and this payment posted as a principal only payment. On March 10, 2017, we processed a request with our installment loan cashiering department to have this payment processed as a regular payment. The payment satisfied your payment due January 14, 2017.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 PresidentPC: Revdex.comEnclosure: Security AgreementProof of Insurance letters (2) Payment Breakdown

[redacted] Date: May 9, 2017 Application: [redacted] Regarding Your Recent Loan Application Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your recent loan...

application. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On April 17, 2017, you visited our [redacted] Financial Center located at [redacted]. At that time, and as you are already aware, you met with Shani B., Retail Personal Banker, and requested to apply for a Home Equity FlexLine with Fifth Third Bank. I understand that Ms. B. was unable to enter your application when you were present at the Financial Center; however, the application was entered into our loan system on April 17, 2017. I also confirmed that, when Ms. B. entered your application on April 17, 2017, Ms. B. mistakenly input an application for a Home Equity Term Loan instead of a Home Equity Line of Credit as you had requested. When Ms. B. became aware of the error on April 18, 2017, she called to notify you of the error. You also requested that the Bank remove all of your personal information from our systems. We are required by law to keep certain information that is provided with loan applications in our records for an extended period of time. Therefore, we are unable to remove all of your personal information from our system. Please allow me to reassure you, however, that the information you provided on the loan application is not shared, nor is it used for marketing purposes. In your complaint, you requested all of the documents associated with the loan application. The only documents associated with your loan application are the documents you received after Ms. Bradford input the loan application. On behalf of the Bank, please accept my sincere apologies for the level of service you previously received regarding this matter from Ms. B.. Please be assured Fifth Third Bank takes these matters very seriously, and we strive to provide an exceptional experience to our customers. After receiving your complaint, your concerns were forwarded to the relevant parties at the Bank; however, I cannot inform you of any specific actions that may be taken. Since an incorrect loan product was selected when your loan application was input, we have sent a letter to the credit reporting agencies requesting that the inquiry be removed from your credit bureau report. Please be assured we have submitted an update to all four (4) credit bureaus to remove the inquiry. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [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, Adam P.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.   
Fifth Third sent me the paperwork showing my overdraft and negative balance on the account, but never notified me that the specific account was linked to my overdraft protection.  I have over 5 accounts with them and had several changes with my accounts in 2017.  Fifth Third is not acknowledging my complaint on lack of communication on their behalf.  I am still seeking a better resolution or acknowledgement on their behalf.
Regards,
[redacted]

[redacted], I have reviewed the second rebuttal complaint submitted by [redacted] concerning the $400.00 promotional credit for her business checking account. We stand by our prior responses dated November 2, 2015 and November 16, 2015. Our position on this matter has not changed and we are not willing to provide [redacted] with the promotional cash bonus because her account did not meet the requirements to qualify. We consider this matter closed and no additional correspondence regarding this issue will be sent.   Thank you, Danielle. S. | Fifth Third Bank Consumer Resolution Specialist | Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263(:###-###-####7: ###-###-#### *: [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.  I never missed a payment with this bank. I was a responsible payer the whole time I had this account. Fifth third claims my card was reported stolen three times. Three times? That is absurd. I am not ok with the response of the case worker. I am aware that she is responding based on criteria and prompts but her validations are inaccurate. Fifth third screwed me on this one.
Regards,
And notes were added to my report all of a sudden once opening this complaint. Very professional.
[redacted]