PROCORPSA

Please find below the text of the letter being mailed to the customer. All enclosures were previously attached in our original response. Thank you.[redacted] Date: February 15, 2017 Account: [redacted] Account: [redacted] Regarding Your Recent Debit Card Dispute Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com concerning your recent debit card dispute. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We received your original complaint filed with the Revdex.com on January 11, 2017. We received your follow up correspondence on January 31, 2017. However, our position on this matter has not changed. Please find enclosed a copy of our prior correspondence dated January 26, 2017. I hope this correspondence answers any remaining questions you have regarding this matter. Hotel (Resort) Fee: On September 13, 2016, a $270.75 charge posted to your checking account, the merchant was [redacted]. The merchant provided the following documents which disclose the daily resort fees: [redacted] Coupon which states, Additional fees: $30 daily resort fee plus tax paid at check-in. ** September 1, 2016, you contacted The Inn [redacted] and were informed that the $30.00 resort fee was not included in the [redacted] Price. ** The $270.75 charge consisted of $225.75 in resort fees and $45.00 for the missing mirror. Based on your most recent complaint, we have contacted the Dispute Resolution Department (DRD) who has reopened their investigation pertaining to the missing mirror. The reassertion can take thirty (30) days to process. Upon receiving this response, please contact the DRD and reference case [redacted]. Please provide any documentation you have regarding the missing mirror to the DRD. You can fax the requested information to ###-###-####. Please ensure your case number is on the requested documentation. Any questions regarding your case can be directed to the DRD at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday 8:30 a.m. to 5 p.m., ET. Provisional Credit: 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. As mentioned in our original response, the Disputes Resolution Department considers this investigation closed. You will need to contact the merchant regarding the missing mirror. New Debit Card Issued: In your follow up complaint you mention the Dispute Resolution Department did not replace the debit card used for the transactions with The Inn [redacted]. It should be noted, because case [redacted] was a non-fraud investigation, the Dispute Resolution Department did not block and replace your card. Had the charges been unauthorized and fraud was found on your account, the Dispute Resolution Department would have blocked your debit card and reissued a replacement card to you. We appreciate your patience while we researched your request. 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: Prior Response Merchant Documents Provisional Credit Letter

As a follow-up to our other emails related to this complaint, we have fully responded in writing and the customer is welcome to contact her Financial Center to discuss possible solutions. There is nothing further I can add.  Let me know if this is sufficient to close the case on your end.   Thank you,Alison S.Customer Care Team SpecialistFifth Third Bank | Office of the PresidentPhone: ###-###-####

[redacted] Date: February 1, 2018 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding 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 any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We have completed a review of your account ending in [redacted]. On December 13, 2017, your account balance was $7.65. On December 14, 2017, your monthly maintenance fee in the amount of $11.00 was assessed to the account, which brought the account balance negative in the amount of ($3.35). I have enclosed your statement dated January 12, 2018, which shows this information for your review. An additional maintenance fee was assessed on January 16, 2018, bringing the account balance to ($14.35). On January 29, 2018, in the interest of customer service, a total of $15.00 in maintenance fees were waived, bringing the account balance to $0.65. As we discussed by telephone, however, we are unable to provide an additional credit for a cash amount that was mailed to the Bank but not received. We regret any difficulty this may have caused you. As we also discussed by telephone, both your checking account ending in [redacted] and your savings account ending in [redacted] are assessed monthly maintenance fees, however, there are activities that allow you to waive the fee(s). The enclosed statement explains the ways that a maintenance fee can be waived. I have also enclosed a copy of the Deposit Account Rules and Regulations, which detail the month service charges on page twenty-five (25). Per your request, on January 29, 2018, both your checking account and your savings account were closed. Please find enclosed a check for the remaining balance in the accounts totaling $4.90. Thank you for your patience while waiting for a response. We regret that you felt the need to close your accounts, and we certainly hope you will reconsider using Fifth Third Bank for 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, Jennifer M. Office of the President Pc: Revdex.com Enclosures: Statement Dated January 12, 2018, Deposit Account Rules and Regulations, Check

[redacted] Date: November 27, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com regarding your checking account....

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 frustration you experienced regarding this matter. Overdraft coverage allows debits and payments to be made even if you do not have enough money in your account. Effective June 11, 2010, customers had the option to choose whether to continue having overdraft coverage on their account for Automated Teller Machine (ATM) transactions and one-time debit card transactions. When overdraft coverage is activated, ATM transactions and one-time debit card transactions may overdraw the account and would potentially result in overdraft fees. If overdraft coverage is declined, it does not prevent ACH (Automated Clearing House) transactions, check items, or recurring debit card transactions from posting to the account, and the transactions may be assessed overdraft fees if they post when there are not enough funds available. The overdraft fee for the first (1st) overdraft occurrence is $25.00, any additional overdraft items thereafter will be $37.00 per item. Your checking account was opened on January 19, 2010. At the time your account was opened, customers did not yet have the option to opt-in to overdraft coverage. You declined overdraft coverage on June 21, 2010, at an ATM. Because you did not make a decision to opt-in or to opt-out of overdraft coverage when it became available to you on June 11, 2010, you were opted out of overdraft coverage automatically from June 11, 2010, until you declined it on June 21, 2010. Because you declined overdraft coverage, your ATM and one-time debit card transactions are not approved if there are insufficient funds in your checking account at the time of the transaction. You mentioned in your complaint that you were charged overdraft fees on transactions that should not have been approved because you have not opted-in to overdraft coverage. Specifically, you mentioned the timeframe of January 2014 through the present. We reviewed each overdraft fee that has been assessed to your account since January 2014. Our review determined that the overdraft fees assessed to your account were assessed accurately and in accordance with Federal Regulation. Each transaction that has been charged an overdraft fee on your checking account has been a check, an ACH transaction, or a recurring debt card purchase. As explained above, checks, ACH transactions, and recurring debit card purchases are not covered by overdraft coverage under the Federal Regulation, meaning we are permitted to charge fees to those transactions. Enclosed for your reference are copies off all the statements and overdraft notices that have been issued to you for your checking account since January 1, 2014. While reviewing the overdrafts that have occurred on your account, we noticed multiple transactions to “[redacted] DEBIT CRD ACH” that have posted to your checking account and caused fees. Please note that these are purchases made using a debit card that was issued to you by the retail store [redacted]. The debit card is linked to your Fifth Third Bank checking account. However, this is not a Fifth Third Bank issued debit card. The transactions you complete using the [redacted] debit card do not process an authorization to your checking account to ensure that funds are available. The transactions you complete using the [redacted] debit card post to your account as an ACH transaction, which is not covered by overdraft coverage. You mentioned that you have been charged overdraft fees for transactions that were not showing on your pending account activity. Please note that checks and ACHs transactions do not show as pending items on your checking account. For this reason, you do not see checks or ACH transactions as pending items on your account. We process transactions at the end of each business day and do not process transactions on Saturday, Sunday or Federal Holidays because they are not considered business days. As a result, checks and ACH transactions are visible on the account the day after the payments were presented to the Bank, and they are dated for the business date they were received. Each customer is responsible for tracking their balance and non-debit card transactions so that they know how much money is actually available to them after their checks and ACH transactions process. Enclosed for your reference is a copy of the Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards. Pages eleven (11) and twelve (12) explain how we process your transactions each day. Please be assured that our processing order for your transactions complies with all Federal Regulations. Effective March 25, 2011, transactions that post to your checking account are processed as follows: 1. Add in credits and deposits made prior to the end of day cutoff time (according to our Funds Availability Policy) 2. Deduct posted timestamped debits, including ATM transactions and debit card transactions, in the order they took place 3. Deduct all other posted debits including checks, ACH transactions, electronic bill payments and fees, in the order of highest amount to lowest amount 4. Deduct fees and service charges in the order of highest amount to lowest amount You also mentioned that you have been told by Bank personnel that there are transactions you cannot see as pending, but Bank employees can see as pending. I apologize for any misinformation that may have been provided to you. Bank employees are able to view the same pending account activity that you can see. However, our Customer Service Department has access to a separate system that will show if there is an ACH transaction scheduled to process out of your account. If you would like to contact the Bank in the future to verify if we have information about ACH transactions scheduled to process from your account, please contact the Customer Service Department at ###-###-####. Customer service is available to look up information in this system for you Monday through Friday from 7 a.m. to 8 p.m., ET. Please note that this system will show the ACH information only if the merchant has already submitted the information to the Bank. Additionally, that system updates regularly throughout the day. It is possible that you can call the Bank at 10 a.m. and there will be no ACH information listed, but then we receive the information at 5 p.m. the same day. If that were the case, you would have been notified at 10 a.m. that there were no ACH transactions scheduled to process at that time. However, an ACH transaction would have processed because we received the ACH request later that day. We cannot guarantee at any time that the transactions listed in our ACH system are the only ACH transactions that will post to your account. This system also does not track checks that are not converted to electronic transactions. You stated that the overdraft fees assessed to your account accumulate additional overdraft fees. Please be assured that Fifth Third Bank does not charge overdraft fees on Bank fees that cause your checking account balance to become negative. During our review of your account, we confirmed that you were not charged overdraft fees on Bank fees. It is possible, however, for an overdraft fee to cause a further negative balance on your account, which could in turn cause additional transactions you completed to post in the negative. If that is the case, the transactions you completed are subject to returned item and overdraft fees. For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage options is also provided on the enclosed document. Please feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. The Bank also offers the option to remove overdraft coverage for checks and ACH transactions. If you decline overdraft coverage for checks and ACH transactions, the Bank will return these transactions as unpaid if there are insufficient funds. Please note that the transactions are still subject to returned item fees. Additionally, the merchant is able to present the transaction again multiple times, which will incur a returned item fee each time if funds are not available. If you would like to decline overdraft coverage for checks and ACH transactions, please visit your local banking center. You can also contact the Customer Service Department, or myself using the phone number listed below. Customer service is available to assist you with overdraft coverage Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. I am sorry for the difficulties you have encountered regarding your account. As a valued customer, we reversed fees totaling $74.00 on September 2, 2015, as a courtesy to you. Therefore, we are not willing to waive additional fees at this time. As of November 23, 2015, your account has a balance of negative ($872.07). 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: Statements and Overdraft Notices, Rules and Regulations, Fifth Third Overdraft Solutions

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 did review the response from Fifth Third and the situation has not been handled or even properly addressed. The executive wrote about an overdraft fee from June 15th, a $37 fee. This was not a concern, I had already had to call on the 16th and speak to a representative about that.She did not mention the events on which  I sent the complaint, On the 24th, there was a $37 feeThere was another on the 25th, for $37. Both of which I own up to and is my fault but it is everything after that I have an issue with. The next day on the 26th a check was deposited for $445, which the bank held to post until the 29th. Another late fee posted on the 26th, for $74. I spoke with a representative on the  on the 29th, she told me that deposit could be held until the July 7th, though I had chased the exact same check the last week. She did reverse $49 from the total over all fees. Minutes after getting off the phone, another $37 over draft fee posted. I then had to call and speak with a supervisor on June 30th, who said he could only reverse the most recent $37 fee.   I was charged $185 for a 4 day period and was told I was charged (1) $37 fee. I also didn't appreciate being told " out of concern for customer care" that they returned $74.They charged that fee while money was available and I had to put all the effort in to call many times. Thank you so much for your time and help. 
Regards,
[redacted]

[redacted] 
[redacted] 
[redacted] Date: June 17, 2016 Regarding the Inquiry on Your Complaint Dear [redacted]: We received your Revdex.com complaint regarding your prequalification for a mortgage loan. We appreciate the time you have...

taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, I apologize for the difficulties you have experienced. It was certainly not our intention to cause you any undue hardship or frustration. Your comments expressing less than quality service are very concerning and we regret the difficulties you experienced. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. 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. Additionally, I was able to confirm that as you requested your husband’s credit was not run. Please be advised the Federal Housing Administration (FHA) preapproval require a secondary review for FHA rules compliance and can result in delays as the prequalification of your husband by himself would start a whole new application process. We appreciate your patience while we researched this matter and apologize for any inconvenience this situation 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, Shannon K. Office of the President

[redacted]
[redacted]
[redacted]
Fifth Third
Bank
5050 Kingsley
Drive
MD 1MOCOP
Cincinnati, OH
45263
                                        ...⇄ March
23, 2016
Dear April Q.:
We have
received a copy of your letter dated March 15, 2016 in addition your attachment’s.
We appreciate the time you have taken to respond to some of our requests.
We would like to
redirect your attention to our prior letter, in which your recent letter
deflects many of our questions and concerns. Fifth Third appears to be dancing
around our evidence and submitting us a template apology letter. Please stop.
We have taken the opportunity to bold type all ignored questions.
We reference
you to Exhibit A, a letter from you
dated January 22, 2016 that states we would have a response mailed to us within
fifteen (15) to twenty-five (25) days. Please note that your response was
received to our PO Box on February 21, 2016 which is in excess of the time
frame noted in your letter.
(Please comment to why Fifth Third Bank
is not held to the same standards of timeliness?)   Thank you for your review of the United States
Postal Service Receipts that we supplied to you. We have to pay additional
monies in order to insure us the security that our payments are being received
when they are delivered. You state in your letter that the receipts provided
list expected delivery dates, which are not guaranteed. Finding it odd for
the Federal Government to offer a two-day (2) mailing service and charge the
consumer for something that is not guaranteed we took it upon ourselves to
further investigate. We bring your attention to Exhibit B. We spoke with the post master of the [redacted] post
office, which is a branch of the United States Postal Service. We were provided
and advised that all bar codes that are on the receipts, in which we supplied
to you are scanned and signed for, just like shown in the exhibit. Fifth Third has the abilities to go on line
under the USPS tracking and pull up all tracking to show when you
received our payments vs.
how long it took Fifth Third to cash check. Prove to us that the check was received by your branch on the 31st
day.
We also formally request copies
of the voicemail loggers that you note in your letter requesting pull dates to
be changed, and a copy of the voicemail logger from July 2015 when we called
requesting Fifth Third to review our escrow account. As well as the
conversation that [redacted] had in June 2014 with your representative that
agreed the two 2014 31 day late was in fact bank error not our and would have
removed. These
loggers were also requested via your voicemail on March 24, 20216 at 12:30 pm.
Please also review your
own escrow statement WE ARE NOT INSURED with Tri State since July of 2015 we
are insured with [redacted]. Your paperwork is extremely sloppy, as was the
handling of our escrow.
Thank you for
reviewing our payment history and believing that there was no bank error, but we
are forced by evidence to disagree. It is not our error for the poor management
by the bank in how long it takes for your employees to process our payment. It
is odd that in review of your letter dated February 11, 2016 all the alleged
“30 day” late payments are literally alleged at (1) one day late. This brings
us back to our first paragraph in this letter. (Please address) -Which then
brings us to our monthly increase of ($400) four hundred dollars a month due to
“low escrow”, and the added stress due to poor management of our account. Which
leads to ask the question on how Fifth Third determines a payment is “late”. Is
it determined by receipt of the check by Fifth Third bank? or is it determined
by when the check is cashed? Either way I would like documentation to that
effect so going forward there is no confusion.
[redacted]We are requesting
again proof to when you were in receipt of our checks from 2014/2015 and how
long it took your company to process those checks to make the 31st
exactly. Prove to us when your office received. Your alleged stamp dated check
that you have provided, cannot been seen in what you supplied – and is not
proof to how long it took your organization to post those checks once it reach
your bank.
On January 26,
2016 your Escrow Department updated our escrow portion of the monthly payment
to reflect the insurance premium. Because of this, effective February 1, 2016
we received a new mortgage payment of $3124.01. This request for an Escrow
review, was made via telephone to Fifth Third Bank back in July 2015. At that
time we advised the Fifth Third representative of our new Home Owners carrier,
[redacted], along with the reduction of premium. Our request went unacknowledged.
  
Fifth Third
Bank, alleges that upon review of our escrow account, you then issued a Home
Owners payment to [redacted] on August 3, 2015 in the amount of
$2097.00. and was returned by [redacted] to Fifth Third on August
27,2015, due to the Fifth Third Bank error. Fifth Third Bank then on September
18, 2015 decided to review our request for the escrow account to be reanalyzed
and determined a reanalysis was not require. This does prove that Fifth Third
received our request in July 2015 but took (2) two months for Fifth Third Bank
to complete. [redacted](Please address 3/16)
Please refer to
Exhibit C (2) two letters dated
January 26,2016 from Fifth Third Bank. These letters state “we have corrected the amount of your monthly
payment”. Fifth Third Bank admits to bank error once again. [redacted](Please address 3/16)
We spoke on
February 22, 2016 and we advised you that on our Mortgage Loan Statement dated
2/11/2016 for our March 2016 statement there was a charge for a past due
payment of $6.13. (Your response in your
March 2016 letter does not address why this $6.13 was not shown or documented
in your prior letters what took 2 months for this to show up on a bill) Please
refer to Exhibit D. As such our January
11, 2016 statement did not note this “past due payment”? Also our conversation
with you in January 2016 you advised that our account was current. Also our
February 8, 2016 payment was cashed on February 12, 2016 which is prior to the
(15) Fifteenth of the month. So why would this “past due payment” be reflected
in March but not February? Another Fifth Third Bank error? 
On behalf of my
husband [redacted] and I we are unable
to accept apologies from Fifth Third
Bank due to their poor handling of our mortgage account. We have owned (3)
three homes and (2) two currently and have never incurred these issues over the
past (18) eighteen years. Should Fifth Third wish to do the right thing and
provide quality customer service to us as the consumer we are willing to work
with you. Based on the errors noted above we are again requesting Fifth Third
to remove these alleged (1) one day past (30) thirty day late off our credit
report. Please refer to Exhibit F.
As you can see by our credit report we have been perfect for years, only issue
being Fifth Third Bank. We are aware of the over (10,300) ten
thousand three hundred complaints to the Revdex.com and multiple
Class Action law suits against Fifth Third Bank, so we are not the only ones
with issues.
If Fifth Third is
unwilling to work with us to address these concerns, we will continue to work
on this to restore our perfect credit. We
will not stop or just go away, and allow ourselves to be bullied. There are
plenty of other banks around. Then once we get our perfect credit that has been
tarnished by the likes of Fifth Third corrected we will re finance with another
mortgage company – that works with their customers and their customers’ needs
instead of attempting to scar their customers with unfair practices. 
We are also putting Fifth
Third on formal notice that after 12 months – per your letter, effective
February 2017 we will be pulling our escrow account from your bank. If this is
not allowed at that time we will take further action.
It is obvious that Fifth Third
Bank does not respect us as customers and does not want as customers. We will
get our credit cleared with or without your assistance, and if it is without
your assistance we will re finance with another carrier even if it means for a higher
interest rate. Word of mouth is the best advertising or the worst. Please stop
with your form letters of empty apologies.
We formally
request that your revisit your prior letter and provide us with the customer
service that we deserve. Thank you for your time and attention to this matter.
Sincerely,
[redacted]
Pc: RevDex.com

[redacted] Date: November 16, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your additional rebuttal filed with the Revdex.com along with a copy of the Certificate of Liability Insurance faxed from your [redacted] Insurance agent. We appreciate the additional opportunity to research this matter. As advised in our previous responses, according to our insurance center, your comprehensive insurance coverage was cancelled on December 16, 2015. A new policy was written on March 30, 2016, that included comprehensive coverage. However, the effective date for this policy was May 24, 2016. Subsequently, the Bank purchased insurance coverage, on your behalf, that was in effect from December 16, 2015, until May 24, 2016. In your most recent rebuttal, you claim that the certificate provided from [redacted] Insurance documents that you had comprehensive coverage on the vehicle held for collateral from March 30, 2016, until September 15, 2016. However, our insurance center called your [redacted] Insurance agent directly and was advised that there was not comprehensive coverage on the vehicle until May 24, 2016. Your agent stated that a policy was written on March 30, 2016, however, comprehensive coverage was not added until May 24, 2016. Therefore, the insurance policy that was purchased by the Bank was necessary and you are not entitled to a refund for any of the insurance purchased. This is the same information that has been provided to you by the Bank previously. Our response on this matter has not changed. We consider this issue closed and will no longer respond to you regarding his matter. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., 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.   
The issue was only partially resolved.  The balance on the account was brought to zero, but the item still remains on my credit report.  The response from the business stated that the account was not reported, but there is a collection from Fifth Third for $197 on my [redacted] report that was reported on August 1.  I have not checked the other two credit bureaus yet.
Regards,
[redacted]

[redacted] Date: September 13, 2016 Account: [redacted] Account: [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Better...

Business Bureau regarding your Fifth Third Bank checking account. We appreciate the time you have taken to express your concerns and for bringing this matter to our attention. Because you previously filed bankruptcy, we are sending this correspondence in response to a request that we received. This letter is not an attempt to collect a debt. We understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience this matter might have caused you. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. Please be assured that we contacted the relevant parties to fully research your account and passed on your concerns. On February 28, 2000, you opened the Free Checking account ending in [redacted] at our [redacted] Banking Center. You were the sole owner of the checking account. The account was closed and charged off with a negative balance on July 30, 2008. Please be aware that the Bank is not required to retain records of any transactions for more than six (6) years. Therefore, the Bank is unable to provide you with a statement or the negative balance at the time the account was closed. The account was reported to [redacted] and was also sent to collections. However, our research determined the account is no longer reporting to [redacted]. If you would like to contact [redacted] to confirm that our reporting has been removed, you may contact [redacted], on the internet at [redacted], via telephone at ###-###-####, or by mail at: [redacted], Consumer Relations, [redacted] 
[redacted]. We no longer service the checking account, and Fifth Third Bank is not contacting you in regards to this debt. Please note our research determined the account was sold to [redacted] on June 16, 2010. The Bank has been made aware that [redacted] is no longer in service or taking calls; however, they could have sold your account to another collection agency. In your complaint, you state that a debt collector has recently contacted you. You can ask them to provide written validation, or proof, of the amount they claim you owe before making any payment arrangements. You may also wish to provide them with your bankruptcy information so they can determine if the debt has been discharged. In addition, you reserve the right to send the collection agency a written request to cease and desist any future telephone calls regarding the outstanding debt. Please be aware that while they may no longer make telephone calls to you upon receipt of your written request to cease and desist, the third party may proceed with further collection efforts or judgment as an industry practice. Our research also confirmed you had an installment loan with the property located as [redacted] as collateral. The Bank charged off this debt on March 31, 2012. The principal balance at the time the account was charged off was $6,402.43. Please note, the Bank is no longer attempting to collect this debt, and has reported the loan as discharged in bankruptcy with a zero balance owed. We appreciate your patience while we researched this matter. 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

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]

[redacted] Date: July 28, 2016 Account: [redacted] Regarding Your Access 360 Account Dear [redacted]: We received your complaint filed with the Revdex.com regarding your Access 360...

account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. We were able to review your concerns regarding the refund of $25.47 that was credited to your Access 360 card ending [redacted]. Our records indicate that check number [redacted] for $25.47 was mailed to you at the address on file, on May 12, 2016. As we were able to confirm the check has still not been cashed, we placed a stop payment on the check, and a new check number [redacted] was issued and sent to you at the address above. If you do not receive the check within the next two (2) weeks, please contact me directly at the telephone number below. Because we were able to confirm that the check was mailed to you on May 12, 2016, we are not able to provide you with any additional compensation for interest. We apologize for any difficulty or concern this may have caused you. It should be noted that although a card has been closed, a merchant is still able to process a refund to the card. In these situations, the Bank will issue a check to you for the amount that was credited. There is not a way to restrict a refund from being accepted. 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 ###-###-###6, 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

[redacted] Date: April 11, 2017 Account: [redacted] Regarding Your Vehicle Lien Release Dear [redacted]: We received a copy of the complaint that you submitted to the Revdex.com regarding the...

lien release for the vehicle securing your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. During our research, we confirmed that we mailed the lien release for the [redacted] to [redacted] on March 13, 2017, March 30, 2017, and April 7, 2017. The lien release was mailed to the following address: [redacted] On April 11, 2017, our Collateral Department spoke directly with an employee at Premier Source Credit Union and verified that the lien release was mailed to the correct address. The employee at Premier Source Credit Union informed our Collateral Department that they would order a duplicate title once they receive the lien release. If [redacted] does not receive the lien release, please contact me immediately at either number below. I verified that [redacted] requires the original lien release, so we are not able to fax it to [redacted]. 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

[redacted]l [redacted] Date: July 24, 2017 Account: [redacted] Account: [redacted] Regarding Your Checking and Credit Card Accounts Dear [redacted]l: We received a copy of your complaint filed with the Revdex.com...

(Revdex.com) regarding your checking account and [redacted] 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 the frustration you experienced regarding this matter. Thank you for taking the time to speak with me about your accounts and the Overdraft Protection transfer that took place. As we discussed, our records reflect that your application for the [redacted] ending in [redacted] was flagged for Overdraft Protection. When the credit card was opened, it was automatically linked for Overdraft Protection. If an Overdraft Protection transfer is processed, the Bank assesses a $12.00 Overdraft Protection fee. On May 3, 2017, there was an overdraft on your checking account. Per the enclosed Overdraft Notice, the ending balance in the checking account on May 3, 2017, was negative ($73.01). Due to your Overdraft Protection, we automatically transferred $85.01 in cash off the credit card and deposited the funds to the checking account on May 4, 2017. The $85.01 included $73.01 to cover the overdraft amount and $12.00 for the transfer fee. As we discussed, enclosed is a copy of the May 2017 checking account statement that shows the $85.01 deposit to the checking account on May 4, 2017. The deposit is listed as Overdraft Transfer From x[redacted]. Because $85.01 was transferred off the credit card, the credit card shows the $85.01 transaction also. The account became overdrawn again on May 4, 2017. The $85.01 Overdraft Protection transfer was sufficient to bring the account to a zero ($0) balance based on the previous day’s activity. However, three (3) more debit card transactions posted to the account on May 4, 2017. The ending balance in your checking account on May 4, 2017, was negative ($36.63). You completed a $500.00 online transfer from your savings account to the checking account that day. However, as we discussed, the transfer was completed after the cut-off time of 9 p.m. As a result, the funds transfer was processed for the business date of May 5, 2017. Because the account was negative when the funds were transferred, the full $500.00 you transferred was not available as it covered the negative balance in the account. I confirmed that the Overdraft Protection was disconnected as you have requested. As we discussed, the credit card is no longer linked to your checking account to automatically transfer funds in the event of an overdraft. The account will be subject to applicable overdraft fees in the absence of Overdraft Protection. We also spoke about Overdraft Coverage. You are opted in to Overdraft Coverage, which means the Bank can approve one (1) time debit card transactions even if there are insufficient funds to cover the transaction. As a result, overdraft fees can be assessed. If Overdraft Coverage is declined, the Bank will decline one (1) time debit card transactions if there are insufficient funds. Because the transaction is not approved, an overdraft fee is not assessed. You confirmed that you would like to remain opted in to Overdraft Coverage. Please note that you can change your Overdraft Coverage preference online at 53.com, at a banking center, or through an automated phone system at ###-###-####. Page fifteen (15) of the Rules and Regulations provides information about Overdraft Coverage. While our records show that it was selected on your application to have the credit card linked for Overdraft Protection, we are unable to locate a copy of the signed application. Because we cannot confirm your selection, we waived the $12.00 Overdraft Protection transfer fee from the checking account. A previous representative waived a $25.00 late fee and $0.01 in finance charges from the credit card. I waived the remaining $3.87 in finance charges on the credit card associated with the Overdraft Protection transfer. This created an overpayment of $2.81 on your credit card account that I have transferred to your checking account. All fees associated with the Overdraft Protection transfer have been waived. I confirmed that there are no late payments for the credit card account on your credit report. You advised during our conversation that you would attempt to answer the calls from our Collection Department about the credit card, but then the line would hang up. I am very sorry for the distress this caused you. Please be assured that I have provided our Collection Department with this information. 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: Checking Account Statement, Credit Card Statement, Overdraft Notice, Rules and Regulations, Overdraft Coverage Enrollment Form

[redacted] Date: May 31, 2017 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com (Revdex.com)...

regarding your mortgage loan. We appreciate the time you have taken to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced. Please be assured we have researched this matter fully. 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. Thank you for taking the time to speak with me on May 22, 2017, regarding this matter. In your complaint and during our telephone conversation you stated you were unsure how and where to make a mortgage payment while you were in [redacted]. On behalf of the Bank, please accept my sincere apologies for the difficulties you experienced trying to contact our customer service department at ###-###-####. We have reviewed the call you made to the Bank on May 22,2017. The agent correctly informed you that your due date is the first of every month, and your mortgage loan has a fifteen (15) day grace period. The grace period does not change your due date; however, you will not receive late charges if your payment is made within the grace period. Please note you can make a mortgage payment at any Fifth Third Bank banking center. For your records and convenience, please find enclosed a copy of the payment history and your Note. Please note page one (1), item three (3) of your note titled Payments, which states: I will make my monthly payment on the 1st day of each month beginning September 1, 2015. I will make these payments every month until I have paid all of the principal and interest and other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest and other items in the order described in the Security Instrument before Principal. If on August 1, 2045, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the “Maturity Date.” I will make my monthly payments at P.O. Box 630170, Cincinnati, OH 45263 or at a different place if required by the Note Holder. Our research confirmed the Collection Department attempted to contact you nineteen (19) times to alert you to the mortgage loan payment being past due. However, the Collection Department was unable to reach you between April 12, 2017, and May 2, 2017. On May 5, 2017, the Bank received and posted your mortgage payment. This payment satisfied your payment due April 1, 2017. This payment was received thirty-five (35) days after the due date and has been reported to the credit reporting agencies as past thirty (30) days late. We have completed our review of the payment history reporting on your credit report for your mortgage loan. Our review determined that the information provided to the credit reporting agencies is accurate. We regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to correct prior negative reporting. You may wish to consider using Auto BillPayer. Auto BillPayer enables you to have payments automatically deducted from your checking or savings account each month on the due date or any date within the grace period, thereby, eliminating the need to mail your payments or bring them to a branch location. If you are interested in enrolling in Auto BillPayer, please contact the Auto BillPayer Department at ###-###-####. If you utilize Auto BillPayer and a payment date is setup every month during the grace period, our Collection Department will not contact you during the grace period. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### 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 ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosures

[redacted] Date: March 24, 2016 Regarding Your Credit Card Application Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your credit card application. We appreciate the...

time you have taken to document your thoughts and concerns regarding this matter. As we stated in our previous response letter dated March 10, 2016, we were unable to locate any credit card applications from you within our files. If you would still like to apply for a Fifth Third Bank credit card, you may do so online at 53.com, by visiting any Fifth Third Bank banking center, or by calling our New Accounts Department at ###-###-####, option 3, Monday through Friday, 8 a.m. to 8 p.m., and Saturday, 8 a.m. to 5 p.m., ET. Unfortunately, as we also stated, we were unable to research any contacts you may have had with the Bank based on the information you provided within your complaint. I have enclosed a copy of the previous response letter which contains our address and fax number to send any additional information if you would like to research this matter further. Additionally, per your request, we have removed your name and address from the lists we use to generate promotional mailings. However, please be aware that some mailing lists are compiled up to three (3) months in advance, so there is the possibility that you could receive some promotional mailings in the near future that were generated prior to the removal of your name and address. If you are interested in limiting promotional credit card offers from other creditors, as well, we encourage you to notify the three (3) major credit reporting agencies that you wish to exercise your right to prohibit the use of information in your credit report by any consumer reporting agency from being used to send you offers of credit which you did not request. You can do so for [redacted], [redacted], and [redacted] at once by calling [redacted] (###-###-####). Or write to: [redacted] Credit Information Services, Inc., [redacted]; [redacted] Opt Out, [redacted]; and [redacted] Name Removal Option, [redacted] 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 Enclosure (1): Previous Response Letter

[redacted] Date: January 10, 2018 Account: [redacted] Regarding Your Installment Loan 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 thoughts and concerns regarding the collection calls you received. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. Your loan is considered past due for payment if we do not receive your total monthly payment by the due date listed in your contract, which is the twenty-third (23rd) of each month. There is a fifteen (15) calendar day grace period on your loan. The final day of your grace period is not considered the due date for your payment obligation, but rather, it indicates when a late charge will be assessed to your account. 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. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8 a.m. until 9 p.m. ET, including holidays. If you receive a call from our Collection Department and provide them with the date you expect to pay, they will record your promise to pay and additional calls will be suspended temporarily. In response to your concerns, we removed your telephone numbers from our systems. Please note that while you will no longer receive telephone calls if your account becomes past due, this will not stop other delinquency related activity, including late charges, finance charges, or reporting to the credit bureaus. In researching your concerns, we identified that you were given incorrect information. Three (3) consecutive monthly payments are required for an auto loan customer to qualify for a delinquency extension. Instead, you were informed that you needed to make a payment arrangement for the next three (3) months. Fifth Third Bank takes your feedback seriously, and I have contacted the relevant parties to pass on your concerns. While we cannot provide you with specific details, we have taken the appropriate actions to prevent a similar situation in the future. The total amount of unpaid late fees accrued over the life of loan is currently $116.73. I have enclosed a payment history for your reference. As there was no bank error in the assessment of these fees, we are unwilling to waive the remaining balance. In the interest of customer service, however, one (1) late fee of $24.14 will be reversed. Your last three (3) payments posted on October 30, 2017, December 1, 2017, and January 2, 2018. However, because your loan was delinquent when these payments were received, your loan remains due for the December 2017 payment. You may have already received the enclosed Delinquency Extension Agreement by email, but I am enclosing another copy here for your convenience. Please sign and return the Agreement by January 18, 2018, in order to bring the loan current and due for the February 23, 2018, payment by placing two (2) payments onto the end of your loan. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. If I could be of further assistance, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com Enclosure: Payment History; Extension Offer

At this time I am asking Fifth Third Bank to be responsible at least for a portion of the $570.51 being that had they respond to me in a timely manner none of this would have happened.Respectfully,[redacted]

[redacted] Date: August 24, 2016 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. I completed a thorough review of your checking account and confirmed that you have declined Overdraft Coverage for debit card, check, and Automated Clearing House (ACH) transactions. Because you declined Overdraft Coverage, Fifth Third Bank will not pay transactions if there are insufficient funds to cover them. When you use a debit card to make a one-time purchase, the merchant processes an immediate authorization to the Bank electronically. We then verify in real time whether there are sufficient funds at that moment to cover the transaction. If there are funds available, we approve the authorization and you are able to complete the purchase. If there are not sufficient funds, we decline the transaction and you are then unable to make the purchase. Because the one-time debit card purchase was declined, you do not have an overdraft fee. If a one-time debit card transaction is pre-approved because there were sufficient funds at the time of the authorization, but then the transaction posts to the account for a larger amount causing a negative balance, such as a gas station purchase, you do not receive an overdraft fee for that transaction. Please note that this applies to one-time debit card purchases only. This is not applicable to recurring debit card purchases or ACH transactions. Because you declined Overdraft Coverage for ACH transactions and checks as well, we will return any ACH or check transactions as unpaid if there are insufficient funds in the account to cover them. Please note, however, that there is no authorization process to verify ahead of time if there are sufficient funds for checks and electronic payments like there is for a debit card. We do not know about an outstanding ACH or check until the merchant presents the item to be paid, so there is not an option to decline it like there is with a debit card. As a result, these kinds of transactions will always post to the account. When an ACH or check transaction is returned as unpaid, a returned item fee is assessed. Additionally, the merchant can represent the transaction multiple times. A returned item fee is applicable each time the transaction is presented if it is returned as unpaid. The beginning balance in your checking account on August 15, 2016, was $0.50. A $15.00 ACH transaction to [redacted] processed to your account that day, resulting in an ending balance of negative ($14.50). Because there were insufficient funds in your account to cover the transaction, and you declined Overdraft Coverage for ACH items, we returned the transaction as unpaid and assessed a $37.00 returned item fee the next business day. Additional ACH transactions have attempted to process from your account since that time, all of which were returned as unpaid per your Overdraft Coverage selection. Each returned item was subject to the return item fee. Enclosed are copies of the overdraft notices issued starting from August 15, 2016. I understand that you spoke to our Dispute Resolution Department regarding the returned item fees assessed to your account. Please be advised that Bank fees are not disputable transactions. However, you can dispute the transaction that caused the fee. The fee is then included as part of the dispute. I confirmed with the Dispute Resolution Department that you have not filed any disputes on your checking account. You stated in your complaint that the $15.00 transaction from Discover was not authorized, and that you paid it from a different account. If would like to dispute the transaction, or any other transactions, please contact our Dispute Department directly at ###-###-####. The Dispute Department is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. I confirmed that the fees charged to your account were charged correctly in accordance with your Overdraft Coverage preferences and Federal Regulations. Enclosed is a copy of the Rules and Regulations applicable to your account. Page three (3) lists the overdraft and returned item fees applicable to all of Fifth Third Bank’s consumer checking accounts. We have previously waived $74.00 in fees from your account in the last twelve (12) months as a courtesy. An additional $37.00 fee was waived on August 17, 2016. We are unwilling to waive additional fees at this time. I am sorry for any frustration this may cause you. On August 19, 2016, $40.00 was transferred to the checking account from your checking account ending in 3832. After the additional transactions that processed that day, the balance in your checking account on August 19, 2016, was $6.50. Joint account holder [redacted] withdrew the $6.50 on August 19, 2016, and the checking account was closed the same day. 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 Enclosure: Overdraft Notices (3), Rules and Regulations

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 company has not resolved my dispute, no offer has been made, Adam P[redacted] called me to tell me he was sorry and that he would get me my money and to call with additional questions,I called back twice and no response. I then get a letter in the mail stating why I cant get what I am supposed to get. Adam P[redacted] is responsible for his employees actions EVEN WHEN THEY ARE WRONG. You cannot fault me because Cheryl M. relayed the wrong message to me, Cheryl said I would receive the money so I am STILL WAITING ON MY $350 and wont stop until I get it. I produced my evidence and as I said, the customer is always right. You guys are at fault and I know you have contingency accounts,all businesses do so this would fall under a loss for you guys and you can use $350 out of that account to pay me.
Regards,
[redacted]