PROCORPSA

[redacted] [redacted] *** Date: March 9, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of your complaint recently filed with the Revdex.comWe appreciate the time you have taken to document your thoughts and concerns regarding this matterPlease be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concernsOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youIt was certainly not our intention to cause you any hardshipFifth Third Bank takes your feedback seriously, and I want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfactionWe are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulationsThe Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraudOn the day of your deposit, a combined $from all deposited checks is available immediately; the remaining funds will be made available on the next business dayCash deposited into an account is immediately availableFor deposits made on Saturday, Sunday, or a Federal Holiday, the day of your deposit is the next business dayA business day is defined as Monday through Friday, excluding Federal HolidaysDeposits received after certain cut-off times may be credited as of the next business dayIn some instances, we reserve the right to place a hold of a longer period of time on a depositThe full amount of the deposit will not become available until the hold has endedAvailability of the funds will generally be no later than the 7th (seventh) business day after the day of your depositFor your convenience, I have enclosed a copy of our Rules and Regulations, which you received upon opening your accountPlease refer to pages eighteen (18) and nineteen (19), which provide additional information regarding funds availability policyOn February 22, 2016, you deposited a check not drawn on a Fifth Third account in the amount of $4,A hold was placed on this deposit due to the repeated overdrafts that had occurred on your checking accountIn the six (6) months prior to this deposit, your account had become overdrawn on four (4) occasionsBecause your deposit was not made in person, we were unable to notify you at the time of the deposit that there would be an extended hold on the fundsThe hold was in fact placed systematically based on the information received at the time of depositFor this reason, we mailed a notice to you at the address listed above on February 23, 2016, that notified you of the hold that we placedThe notice explained that the $4,would be on hold and would become available to you on March 2, I have enclosed a copy of the hold notice for your convenienceI would like to assure you that the hold placed on your deposit was not intended to cause you any hardshipYour checking account did not become overdrawn during the timeframe that the hold was in effect and no overdraft fees were assessed to your accountFifth Third Bank is a financial services company committed to serving the banking needs of our communityOur research indicates that our customers appreciate the flexibility and convenience of our Early Access product in situations where they need funds quickly and they do not have access to less expensive forms of creditWe work hard to provide our customers with easily accessible information about this product and its alternatives so that they can make informed decisionsEarly Access allows eligible and enrolled customers to borrow funds in advance from their next direct deposit on their checking account with a transaction fee of $for every $advanced to your checking accountEarly Access is designed to help our customers meet their short-term borrowing needsIt is not intended to provide a solution for longer-term financial needsWe offer other forms of credit with competitive and lower interest rates that are more suitable for longer-term financial needs including our credit card or installment loan productsWhen you use Early Access, the account must have direct deposits greater than $made into it to use the programThe Bank will debit the amount owed out of your next direct deposit greater than $to repay the advanceIf you cancel direct deposit or it is less than $100.00, you have thirty-five (35) days from the date of the advance to make the paymentIf payment is not made by the end of the 35th day, the Bank will debit the outstanding advance balance owedI have enclosed a copy of the Early Access Terms and Conditions for your recordOn February 29, 2016, you advanced $from Early Access to your checking account due to concern about your account becoming overdrawnIt is important to ensure your accounts have enough funds to cover the transactions you have authorizedHowever, we sympathize with the difficulties you encounteredTherefore, in the interest of customer service, we have reversed the $fee you were charged for that Early Access advanceOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you [redacted] , thank you for your feedback and patience while waiting for a responseWe strive to provide professional and accurate information to our customers and we regret the difficulties you encounteredYou are a valued customer and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Jennifer COffice of the President Enclosures (3): Rules and Regulations Deposit Hold Notice Early Access Terms and Conditions

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.]If this is all you can do to help, I must try other avenues Regards, [redacted]

[redacted] ***Date: December 14, Account: [redacted] Regarding Your Mortgage LoanDear [redacted] : We received a copy of the complaint filed through the Revdex.com by your wife on November 4, concerning the refinance of your mortgage loan We appreciate the time she has taken to document your thoughts and concerns regarding this matter We are responding to you as you are the only account holder listed on the original mortgage loan.We strive to provide professional and accurate service to our customers and I regret that the service you received did not meet that same high standard Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns.We empathize with the difficulties you encountered with your application for the refinance of your mortgage loan Therefore, in the interest of customer service, we have refunded the $application fee that you previously paid I appreciate this opportunity to address your concerns On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused you If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely, Carolyn G.Office of the President Pc: Revdex.com

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is temporary solution to a larger problemMsSwas able to take care of the original double payment within a few days, not like we had originally been told, and for that, we are appreciativeWe are still however, not able to sign up for AutoPay on the 5/3rd website, as our account is now locked from their sideMs Ssaid she was not sure whyI sent the mortgage check directly to MsS., and also included a letter inquiring as to whether or not we could have a payment booklet of some sort sent to us, so that future postal mail payments are delivered and received properly My husband has since sent screenshots of error messages we have received in the month of December when trying to pay our mortgage online, through their very own website, and have not been apprised of any progress on that endWe will try this new auto Pay she has suggested in the hopes that we may finally be able to take care of our mortgage payments as effortlessly as we have with previous lenders Regards, [redacted]

Revdex.com: While I appreciate the response from Fifth Third Bank and the credit to our account, 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 We never received any of the letters sent by Fifth Third Bank notifying us of the added insurance placed on the vehicle without our knowledge We physically walk into the bank each month to make our payments and we were never told about the additional fees that were added onto our account Even though we did have insurance on our vehicle the entire time We tried providing proof of insurance from our old policy from [redacted] , but it was not accepted by Fifth Third Bank We have no access to any online account to view our loan since we do not physically have a checking and/or savings account through Fifth Third Perhaps this would have alleviated our issues if we could have viewed our loan details online and seen the additional charges right away it would not have come to thisWe feel this is not up to current industry standards in 2017, we should be able to access our account online at any time.When we called the Repossession Department we were told that it needed to be paid in cash, but we had no idea they really wanted us to pull over $1000+ in cash out of our account and walk it into the Fifth Third Bank branch This process also seems to very outdated and downright dangerousIt seems like the cashier's check or money order could have been a valid option, but neither of these were brought up Throughout this entire process everyone but the local branch contact was very difficult to deal with and added unnecessary stress to an already stressful circumstanceEven the local branch contact had issues with internal contacts when trying to assist us.We did receive a credit of $for overpayment from Fifth Third Bank which shows that they were in error when reviewing our accountWe are still trying to recover for having to pay this large amount of money at one time, and then in turn we're told that we overpaid So you can imagine our feelings toward Fifth Third Bank and this whole ordeal Regards, [redacted] ***

[redacted] ***Date: November 18, Account: [redacted] Account: [redacted] Regarding Your Checking AccountsDear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning the overdraft fees assessed to your checking accounts We appreciate the time you have taken to document your thoughts and concerns regarding this matter.We strive to provide professional and accurate service to our customers and I am sorry if that has not been your experience Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns.On October 9, 2015, the balance in your checking account ending in [redacted] was $ Eleven (11) items totaling $posted to the account that day, creating an ending balance of negative ($446.17) Due to non sufficient funds a total of $in overdraft fees were assessed to the account The ending balance was negative ($557.17)On October 6, 2015, the balance in your checking account was $ Seven (7) items totaling $posted to the account that day, creating an ending balance of negative ($318.91) Due to non sufficient funds overdraft fees totaling $were assessed to the account The ending balance was negative ($392.91)The following is the order in which we post transactions to your account at the end of each business day Please note that we do not process transactions on Saturday, Sunday or Federal Holidays Start with ending Daily Balance from the prior business dayThis can be found on Internet banking at www.53.com, by reviewing your periodic statement or by calling ###-###-####Add in Credits (+)• Examples of credits (+) may include:o Posted deposits, including direct deposit of your paychecko Funds available from Pending Deposits (such as ATM deposits and Mobile deposits)o Transfers into the account such as ACH and wire transferso Online/telephone transfers into the accounto Refundso Returned itemsDeduct posted Timestamped Debits (-) oldest to most recent• Examples of Posted Timestamps debits (-) may include:o Posted ATM Withdrawalso Posted Debit Card Purchaseo Posted online/telephone transfers to another Fifth Third Accounto Posted wire transfersDeduct posted Batch Debits (-) largest amount to smallest amount• Examples of Deduct posted Batch Edits (-) may include:o Posted Checks writteno Posted online/telephone transfers to a non-Fifth Third accounto Posted Internet Banking bill paymentso Posted outgoing ACH transfers (automatic bill payments)o Posted outgoing wire transfersDeduct Fees and Service Charges (-) largest amount to smallest amountPlease note that this posting order may change due to circumstances beyond the Bank’s control, such as changes or disruptions in network processing or processing delays by a third partyThis posting order is the same whether you accept or decline Overdraft Coverage for ATM transactions and one-time debit card transactionsThe cut-off times for deposits may vary depending on how the deposit to your account is processedThe cut-off times are documented on page of the Rules and Regulations booklet that you should have received upon opening your account The Rules and Regulations booklet is also available upon request at any Fifth Third Bank locationI have included a copy of the Rules and Regulations booklet for your review.We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulationsThe Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud Up to $of the total of your check deposits for the day, made prior to cutoff times, will be immediately available to you on the day we receive the deposit The remaining funds will be available on the first business day after the day we receive the deposit Please refer to pages eighteen (18) and nineteen (19) of the Rules and Regulations booklet that is enclosed for additional information regarding deposits For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions This guide provides additional information related to the overdraft fees that we assessed to your personal account We also offer ways to track your balance and manage accounts to help avoid overdraft fees on your accounts in the futureWe empathize with the difficulties you have experienced with your checking accounts Therefore, in the interest of customer service, we have reversed overdraft fees totaling $on each of your checking accounts We are not willing to reverse any additional overdraft fees.I can assure you that it was not our intention to cause you any frustration or an undue hardship On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused you If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely, Carolyn G.Office of the President Pc: Revdex.comEnclosure: (2)

[redacted] *** [redacted] *** [redacted] *** Date: August 20, Account: [redacted] Regarding Your Installment Loan Account Dear [redacted] ***: We received a copy of your complaint filed with the Revdex.com, concerning your Fifth Third Bank credit cardWe appreciate the time you have taken to bring this matter to our attentionYour feedback is important to us, so that we can better understand how we can improve our service to youAdditionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfactionWe conducted a thorough review of the Real Life Reward promotions offered by the Bank during Our review determined that the Bank did not offer a promotion for cardholders to earn 8,reward points for spending $on their Real Life Reward [redacted] by March 31, The Bank did offer a promotion for cardholders to earn 2,reward points for spending $on their Real Life Reward [redacted] from April 1, through June 12, We regret that you did not meet the requirements for this promotion in the time frame allottedIn order for us to research the Real Life Reward promotion for 8,reward points further, please send a copy of the promotional offer to the following address: Fifth Third Bank Office of the President Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH Alternatively, you can fax this information to my attention directly at ###-###-####

[redacted] [redacted] *** [redacted] *** Date: December 8, Account: [redacted] Regarding Your Essential Checking Account Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning your Essential Checking accountWe appreciate the time you have taken to document your thoughts and concerns, and we sympathize with the difficulties you have experiencedOn November 25, 2015, we received a deposit in the amount of $1,229.47, per our funds availability policy, $of this check deposit was immediately made available to youThe remaining $1,would not be made available to you until the following business day, which in this instance was November 27, 2015, due to the holidayFor additional details on the funds availability policy, please refer to page eighteen (18) of the enclosed Rules and RegulationsIn addition, daily overdraft calculations are further explained on page eleven (11) of the Rules and Regulations, which explains the daily overdraft calculations and how debits and credits are assessed to your accountAs detailed in this section, debits from the account are processed in the following order: ATM withdrawals, debit card purchases, online/telephone/mobile transfers, transfers such as online/automatic bill payments (ACH) and wire transfers, checks written from your account, and fees and service chargesWe completed a review of the Essential Checking account ending in ***On November 27, 2015, we sent the enclosed overdraft notice to the address listed above, detailing the overdraft that occurred on November 25, The available balance at the beginning of the day was $283.10, and $was made available from the previously mentioned deposit, totaling $The debit card purchase, merchant payment, and ATM withdrawal that posted to the account on November 25, 2015, totaled $335.30; these three (3) transactions were not assessed an overdraft fee, as the funds were availableHowever, the three (3) checks were posted to the account, totaling $146.45, there were no available funds, and the account was overdrawnEach of the three (3) checks were assessed an overdraft fee in the amount of $37.00, totaling $Our review of the account determined there was no error in assessing these feesHowever, in the interest of customer service, on November 29, 2015, $of the overdraft fees were reversed and credited back to the accountBecause there was no error is assessing the fees, we are unable to accommodate your request for additional fees to be waivedI am sorry for any frustration this may cause you and for any difficulties you may have experienced when contacting the BankThank you for your patience while we researched this matter for youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, April QOffice of the President Pc: Revdex.com Enclosure: Rules and Regulations, Overdraft Notice

Message from intended receiver of fundsDear ***, Grateful if you could help to follow up the wire transferMaybe there is some wrong with the transfer as my finance department confirms that the TT transfer has not yet be found in our bank accountsFor your information, our bank’s details are as follows:- You may check with the bank againThank you so much for your help ! Account No: [redacted] Banker : [redacted] , [redacted] Banker's Code : Code nois [redacted] Banker's Address : [redacted] ***, [redacted] , [redacted] ***SWIFT Code : [redacted] *** Thank you so much [redacted] [redacted] ** [redacted] [redacted] [redacted] *** [redacted] , [redacted] *** Mobile : [redacted] *** Tel : [redacted] *** Fax : [redacted] *** Email: [redacted] @ [redacted]

[redacted] [redacted] * [redacted] *** Date: October 29, Account: [redacted] Regarding Your Essential Checking Account Dear [redacted] : We received a copy of the letter you sent to the Revdex.com regarding your Essential Checking account ending in ***We appreciate the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your accountYour remarks about how the Bank processes transactions and handles account overdrafts are very concerningPlease be aware that the Bank utilizes a standardized method for processing transactions and handling account overdraftsFifth Third Bank processes transactions at the end of each business dayThis does not include Saturdays, Sundays, and Federal HolidaysTransactions are posted in the following order: Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability PolicyTime-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are receivedAll other debits including checks, and electronic bill payments, in the order of largest amount to smallest amountFees and service charges in the order of the largest amount to the smallest amountThe information displayed on the Bank’s website at www.53.com, is provided as a convenience to our customersIt is designed to assist our customers in monitoring their accountsPlease note that when a check is outstanding on your account, it will only be displayed on our website after it has posted to your accountFor this reason, it is important to ensure that you have sufficient funds in your account to cover transactions you authorizedA check that has been presented for payment posts to your account at the end of the business day on which it is presented for paymentBecause of this, if you view your account balance on our website before the end of the business day on which the check is presented for payment, the check being presented for payment will not be reflected in the account balanceIt will be reflected in your account balance on our website the next business dayOn September 30, 2015, the ending balance in your checking account was $On October 1, 2015, check number in the amount $posted to your accountThe ending balance in your account on October 1, 2015, was $On October 2, 2015, the debit card purchase of $at Fazoli’s posted to your accountThe ending balance in your checking account on October 2, 2015, was negative ($4.23)On October 5, 2015, you initiated a $transfer from your checking account to your Access card, overdrawing your account furtherIf this was done by mistake, we have no record of you making an adjustment and transferring the funds back to your checking accountThe ending balance in your account on October was negative ($8.46)Your checking account was then assessed a $overdraft fee and the $monthly service on October 6, resulting in a negative balance of ($56.46)I have enclosed a copy of your account statement for your reviewIt was certainly not our intention to cause you any hardship, but our research did not reveal any wrongdoing by Fifth Third BankWe also believe that we assessed applicable overdraft fees to your account in accordance with the Bank’s policies and procedures; however, we are still willing to help youIf you deposit $into the account, which is the amount owed on the account before any fees were assessed, we will reverse the fees that have been charged on the account since October 5, 2015, and close the accountPlease be aware that this cannot be done until you deposit $into the accountI have tried to call you at the number we have on file for you but have not been able to reach youPlease visit a Fifth Third Banking Center to deposit $into your account as soon as possiblePlease also be sure to bring this letter with you when you make the deposit so that I can be contacted after the deposit is made and then ensure that the account gets closedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Adam POffice of the President PC: Revdex.com Enclosure: Statement

[redacted] [redacted] *** [redacted] *** Date: November 30, Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted] : We received a copy of the complaint you filed with the Revdex.comWe are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concernsWe strive to provide quality service to all of our customers and I am sorry for your unsatisfactory experience during your previous attempts to resolve this matterPlease be assured we have researched this matter fully, and passed your concerns on to the relevant parties within the BankYou opened the Essential Checking Account ending in [redacted] on July 12, 2016, in order to take advantage of a promotion where the new account would receive a credit of $if the qualifying activity criteria were satisfiedThe qualifying activity included setting up direct deposit and making three (3) online bill payments using Fifth Third Bank’s online bill payment service within ninety (90) days of opening the accountI have enclosed an example of the terms and conditions listed on the promotional materialBecause the online bill payment requirement was not satisfied, the account does not qualify for the $promotional bonusI regret that you found the process of setting up a payee in our online bill payment service difficultIn order to add a payee through the mobile app, please follow these steps: Log into the mobile banking app; Select the MENU ICON located in the top left corner of the screen; Click PAYMENTS; Click the ADD PAYEE icon (envelope with a plus sign) located in the top right corner of the screen; Select ADD PAYEE; Enter the Payee Name; aIf the Bank has a relationship with the payee, suggested matches will appearSelect the correct payee address from the listEnter your Account Number; Enter the address of the Payee, if required; Click ADD located in the top right corner of the screen; The next screen displayed will be the NEW PAYMENT screen where you can initiate a payment to the new payeeOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youYou are a valued customer and I appreciate this opportunity to address your concernsIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Alison S.Office of the President Pc: Revdex.com Enclosure

[redacted] [redacted] *** [redacted] *** Date: July 27, 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 accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matterYou advised that your mortgage company processed a double mortgage payment from your Fifth Third Bank checking account in errorI confirmed that the payment processed on July 17, The beginning balance in your checking account on July 17, 2017, was $1,There was a $deposit to the account that day, which increased the balance to $1,Eleven (11) transactions posted to your account that day, including a $2,Automated Clearing House (ACH) transaction from [redacted] ***The ending balance in your checking account on July 17, 2017, was negative ($905.00)Four (4) transactions were paid while the account balance was negativeAs a result, four (4) overdraft fees of $each were assessed to the account on July 18, Enclosed is a copy of the Overdraft Notice that was issuedI confirmed per the previous transactions in your checking account that the payment processed by [redacted] is typically for $1,The $2,amounts to two (2) payments of $1,A wire transfer was credited to your account on July 19, 2017, for $1,Per the enclosed Consumer Account Pricing & Services document, there is a $fee to receiving an incoming wire transferThe fees assessed by Fifth Third Bank were debited from your account correctlyNo error on behalf of Fifth Third Bank occurredBecause you advised that your mortgage company deducted the funds in error and then sent the wire transfer through to correct the situation, we waived the total $in overdraft fees and the $wire transfer fee as a courtesy to youI am very sorry for the dissatisfaction you experienced as a result of this situationPlease note that if [redacted] deducts extra funds in error in the future, we will not be able to waive resulting fees because it is not a Fifth Third Bank errorIn the event of a future error by [redacted] ***, you would need to contact [redacted] directly to request reimbursement for fees assessed as a result of their errorWe appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Overdraft Notice, Consumer Account Pricing & Services

I spoke to Brandy W [redacted] she was not helpful the staff there still gives me attitude when I call I emailed Brandy several occasions she does not respond still no CLARIFICATION WHY MY APPLICATION IS PENDING IF ANY AND NO DENIAL LETTER WAS SENT TO ME STATING IF I WAS DENIED ?BEEN IN THIS HOOP SINCE AUGUST AND MO LETTER STATING PACIFICATION WHAT IS NEEDED TO PROCESS THIS APPLICATION THEREFORE I DONT SEE ANY LEGAL GROUNDS WHY THEY WOULD DENY MY MORGTAGE APPLICATION AND IM STILL WAITING FOR THE MONTH OH SEPTEMBER MY CREDIT WAS RAN MORE TIMES WHICH I ONLY AGREED TO ONE TIME IN SEPTEMBER I DONT KNOW HOW THIS BUSINESS IS GETTING AWAY WITH SO MUCH STUFF AND FOR AUGUST CREDIT PULL IT IS STILL SITTING ON MY CREDIT REPORT IT IS CLOSE TO DAYS AND IT IS STILL THERE SO THEY ARE NOT DOING THERE JOB CORRECTLY

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 It does not mention that the previous late fees that needed to be waved were due to Fifth Third employees improperly filing my payments It also does not note that I was told by Fifth Third that I was bringing my loan up to date when I made the two payments This has nothing to do with me not having the money to pay the bill and everything with Fifth Third profiting on a complex system of paying a loan that I did not take out with their company I have spent many hours on this loan and filled out many papers to try to get them to set up an auto pay To date this still does not exist I will accept it when Fifth Third finally chooses to process my autopay They have had what they say is all the paperwork for over a week now Regards, [redacted]

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

[redacted] *** [redacted] *** [redacted] *** Date: April 15, Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.com (Revdex.com), regarding your installment loanWe appreciate the time you have taken to express your concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI also want you to know that our senior and executive management teams review customer feedback as part of our ongoing commitment to improving our customers’ satisfactionOn March 15, 2016, the Bank received and processed your installment loan payment for $30,This payment satisfied the amount owed on your installment loanThe Bank sent you a paid in full letter, which I have enclosed for your records and convenienceBecause [redacted] is an electronic title state, the State automatically releases our lien when an account is paid in fullAdditionally, [redacted] prints and sends a title lien free directly to youBecause the Bank’s lien has been released from the vehicle, we are not able to file for a duplicate title on your behalfYou will need to contact the state title office for a duplicate titleIt was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matterYou are a valued customer and we hope you will allow us to serve your financial needs in the futureIf I could be of further assistance to you please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Paid In Full Letter

[redacted] [redacted] *** [redacted] *** Date: January 25, Account: [redacted] Regarding Your Fifth Third Bank Relationship Savings Account Dear [redacted] : We received a copy of the complaint you filed with the Better Business Bureau, concerning an online payment from your savings accountWe appreciate the time you have taken to express your concerns regarding this matterYour comments expressing less than quality customer service are very concerningAt Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customersWe sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to usFeedback like yours helps us identify problems and improve the level of service we provide to our customersOn April 18, 2006, you opened a Minor-Owned savings account with you listed as the custodian, and your son [redacted] , listed as the minor-ownerOn June 26, 2012, this account was converted to a Fifth Third Bank Relationship Savings account, with the same ownershipIn researching your concerns, we determined you accessed your Fifth Third internet banking on January 9, At that time, you initiated a $payment to your ** [redacted] account ending in ***For your records, we have enclosed a copy of the payment detailsThe one time immediate payment was scheduled for January 12, When making a payment online, the “paid from” drop down box allows customers the ability to choose which Fifth Third account they would like to make the online payment fromAs the custodian on the account ending in ***, you are authorized to select this account as the paying accountIt was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matterYou are a valued customer and we hope you will allow us to serve your financial needs in the futureIf I could be of further assistance to you please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Patrick SOffice of the President PC: Revdex.com Enclosure: Payment Details

[redacted] *** [redacted] [redacted] *** Date: January 30, Account: [redacted] Regarding Your Mortgage Loan Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.com concerning your mortgage loanWe appreciate the opportunity to respond to this matter, and we sympathize with the difficulties you have experienced because of Hurricane ***On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI 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’ satisfactionAs you are aware, the Bank provided a three (3) month payment forbearance for our customer’ whose homes are located within a Federal Emergency Management Area (FEMA) disaster zoneThe three (3) month payment forbearance means that you are not required to make a mortgage payment during the forbearance periodIn addition, late charges will be waived and no negative credit reporting will be sent to the credit reporting agenciesHowever, although loan payments are not required during the forbearance period, interest will continue to accrue, as the loan is still activeIt should be noted that a forbearance period does not defer payments and place them at the end of the loanAt the end of the forbearance period, we extended three (3) options: Provide a lump-sum payment to bring the loan current [redacted] No late fees will be charged during the ninety (90) day period [redacted] This would not negatively impact your credit reportExtend the payment relief forbearance period [redacted] Additional forbearance in three (3) month periods, up to a total of twelve (12) months [redacted] No late fee will be charged during the forbearance period [redacted] This would not negatively impact your credit reportRequest a modification to your mortgage loan**Avoid making a lump-sum payment [redacted] May keep a similar monthly mortgage payment [redacted] There is minimal paperwork and no closing costs are charged [redacted] This change would not negatively impact your credit report [redacted] The term of the loan would be extendedI have enclosed the letter that was mailed to you on January 4, 2018, which explains these options to youThis letter also asks that you complete either the Verification of Employment form or a modification application if you would like to modify your loan and provides our contact information if you would like to discuss these optionsPlease note that we are unable to move forward with a modification without this documentationWe regret any difficulty this may have caused youPlease be assured that due to the forbearance, you were not required to make a payment between October 1, 2017, and December 31, On September 29, 2017, a call was made to our Auto BillPayer Department to place a temporary hold on your Auto BillPayer paymentsI have confirmed that the payment hold was successful and Auto BillPayer did not draft any payments during that timeDuring the telephone call with the Auto BillPayer Department, we confirmed for you that the payments were on hold until December 31, 2017, and that payments would resume on January 1, 2018, without any further action from youAs a result, a payment in the amount of $was drafted via Auto BillPayer on January 5, However, we also received a payment from you in the amount of $on January 2, Please note that this was not a payment drafted in error by Auto BillPayer but rather a payment that was initiated via 53.comPer your request, we reversed the January 5, 2018, payment on January 11, 2018, and returned these funds to your checking accountAs of January 25, 2018, we have not yet received payments to satisfy the November 1, 2017, December 1, 2017, or January 1, 2018, due datesIf you are still experiencing a hardship and would like to discuss your options, such as a loan modification, please contact our Loss Mitigation Department at ###-###-####, option 3, Monday through Friday, a.m., to p.m., ETOur specialists would be more than happy to assist you in reviewing the options available to youWe strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused youIf I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, a.mto p.m., ETSincerely, Jennifer M.Office of the President Pc: Revdex.com Enclosure: Letter Dated January 4,

[redacted] [redacted] *** [redacted] *** Date: November 25, Account: [redacted] Regarding Your FlexLine Account Dear [redacted] : We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your Equity FlexLine accountWe appreciate the time you have taken to express your thoughts and concernsThank you very much for taking the time to speak with me on November 10, 2016, regarding your concerns about the application process for your equity line of creditFifth Third Bank strives to provide best in class customer service while helping fulfill our customers’ financial needsAfter reviewing this matter, it is clear that the level of service you received is not what we strive to achieveOn behalf of the Bank, please accept my sincerest apologies for the frustration, inconvenience, and dissatisfaction you experienced when applying for your equity loan, including the missing form needed to disburse the loan funds and the checks you received from the banking center that were unsignedOur customers’ experience is very important to us, and we take this matter very seriouslyWe appreciate your feedback regarding the issues with your loan origination because it helps us to identify problems so we can work to rectify issues and improve the service we offer to our customersIn addition to this matter having been reviewed and addressed, please be assured that our senior management review complaints received by the Office of the President on a monthly basisYou requested that Early Access Advance fees totaling $be waived from your accountYou will see on your account that $in previous overdraft fees were waived from the checking account on November 21, This waiver was processed to credit your account for the $in Early Access Advance fees you previously paidWe appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Shawna H.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 notes were incorrect stating that Fifth Third Bank's insurance department contacted my insurance agentOn the contrary! My agent contacted them on several occasions to try and correct the bank error stating our policy was not effective until May 29,It was Effective the beginning of March,with full comprehensive coverageI have all payment receipts to my insurance agency and policy dates to prove my coverage and payments I made each month of $to cover myself AND my wife which is not even requiredWe went the extra mile to pacify this bankThe bank never sent me a copy of proof of letters sent to us in December, Janurary, and MarchIn March (I still hold all receipts and documentation and phone recordings to back up my claims and will be providing them to be reviewed as proof) I brought my account up to current status because we had fallen behind on a couple of payments due to hardship and serious life threatening illness of my father which resulted in my wife leaving her job to care for him and the bank refused to work with us during that time even when we requested an extension of only days for our monthly payment, instead, only adding stress to the situation by demanding full payment or repossessionNone the less, we could not keep up and fell behindThat was our fault and we completely take full responsibility for it, however, in March, we made things right, so we thought, and fully paid all outstanding balances and even sent the payment through [redacted] paying an extra $for rush delivery(I have proof with receipts and will provide for review)We asked twice if there were any other grievances on the bank's end that needed to be addressed by us (we recorded this particular call having learned from past experiences with this bank and will be providing it for review as well) and were told twice on two separate occasions, "No Mr ***This will bring all problems with your account to a close and you may return to your regular payments of $monthly and we greatly appreciate the business you bring us." We resumed those payments immediately (receipts on those as well for review) for March and April because we were not told different nor were we sent a new payment booklet as the bank claims until May In MAY I recieved a payment booklet with payments for $monthlyAfter spending hours on the phone trying to sort this mess out to no avail and told them we never recieved a booklet in March this booklet magically appeared a few days later in our mailbox A SECOND payment book was recieved THREE DAYS LATER reflecting the $payments as stated in this letterI still have both envelopes showing the postmark as being mailed day apart on May 30,This bank charged us retroactively after we had brought our account to good standingThey charged us for insurance lapses in December and January and FebruaryThey did not charge us until March and when we proved with many many faces direct from our agent in addition to phone calls that she was also spoken poorly to by the Bank's customer service agent, we had current coverageThey told us the insurance was retroactive and even though the time had passed they were going to add a policy for December 2015, Janurary 2016, and Feburary 2016, on March 16,after we were told by customer service agents (names and employee ID are recorded but omitted here for privacy) there was nothing else that needed to be addressed at the beginning of March! I asked if they would cover damage that occurred during that time period and they replied yesIt so happens there was damage by a hail storm in the amount of $3,that we would have to pay out of pocket and asked if we could file a claimThey Athens changed their tune and the dates they were charging us forThey saw an opportunity to make an extra $on our loan despite the fact that they did not catch it until March We then recieved a letter IN WRITING a couple of weeks ago that said in fact the insurance charges were only for March, April, and MayConvenient is it not? So which is it?December-May as stated in this letter, or March-May as stated in the latest letter we recieved in the mail last week? We have come to an impass with this financial institution with their unwillingness to correct their mistake and continue to fabricate the dates that fit their claims to squeeze excess money from us, while ruining my credit in the process and preventing us from our first home purchase and, also, so that I am unable to refinance with a different financial institution who does not have a reputation of misleading their customers, who are crude when they call, who willfully and maliciously attack customers they know are in an impossible situationThey charge you just enough that it would be cheaper to pay them than an attorney to fight them in courtThey want you to failThey want to squeeze every last dime from you until they bleed you dry and can not get any extra funds from you and then take your property so they profit off some other poor unsuspecting soulPlease do your research before using this bank! The information is out there! All you have to do is a simple Internet search for customer reviews on car loans with Fifth Third Bank and look at their [redacted] page in the comments! There are countless customers who have been scammed in the same fashion and manor as we have beenWe didn't do our researchWe just saw a low interest rate and jumped on itWe've paid double that interest rate by now We have hired an attorney who is starting proceedings to address this insurance scam and breach of contract on the bank's part in a civil court and also sending the complaints to [redacted] State Attorney General, [redacted] , to assist us in the investigation of Fifth Third Bank's practices and to see if he can take action against them as wellWe are paying the amount they are demanding, since they are ruining my credit and sent a repossession man to our place of business today, and seeking reimbursement for this and whatever else our attorney seems suitable plus attorney fees in courtI would rather pay an attorney and lose that money than let this bank to continue to Harris us for the remainder of the loan which is roughly more yearsAll further communication with Fifth Third Bank and myself will be through our lawyer whose name is omitted to protect privacy Regards, [redacted] ***