PROCORPSA

[redacted] Date: August 17, Account: [redacted] Regarding Your Savings Account Dear *** ***: We received a copy of the complaint filed with the Revdex.com regarding the monthly service charges assessed to your savings accountWe appreciate the time you have taken to document your concerns regarding this matterYour comments expressing less than quality customer service are very concerningWe strive to provide accurate and professional service to our customers and I regret if this is not the level of service you receivedPlease be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received and passed along your concernsOur savings accounts have a $monthly service charge that is automatically waived if one of the following is met: You have a Fifth Third checking account, with the same ownership.You maintain an average monthly balance of $or more.You are a minor or someone under the age of eighteen (18) is an owner of the account.You are enrolled in Fifth Third Military BankingI apologize if you were not previously aware of these requirementsI have enclosed an additional brochure of our savings accounts for your reviewThis brochure was provided to you at the time you opened your savings accountA statement of your activity is sent out each quarter on savings accountsI have enclosed copies of each statement that was sent to the address on fileI regret any frustration this matter may have caused youOur records indicate that a total of four (4) monthly service charges were waived on your account by Felecia G., Financial Center Manager at the [redacted] Banking CenterAfter the fee waivers, the balance in your account was $On August 7, 2015, you withdrew this amount and closed out the savings accountAt this time, your savings account remains closed.Thank you for your patience while we researched this matter for youYou 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., ET.Sincerely, Lisa SOffice of the PresidentPc: Revdex.comEnclosures: Savings Account Statements, Savings Account Brochure

Sending again the letter from GAP Insurance LEgal Department Fifth 3rd is claiming they do not know why the GAP did not PAY more, but according to the GAP letter it indicates that GAP does not send a payment and the bank actually WAIVES the balance due at the time of the accident after the primary insurance pays ( [redacted] ) The amount considered GAP would be based on information the BANK provided which was incorrect as the BANK has not returned the entire payment I made after the accident which was $on Dec I was told by their employee that I would receive this amount back but needed to make this payment to protect my credit

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 complaintThey haven't changed anything or admitted that my father gave them the correct information and the in put the wrong information Regards, [redacted] ***

[redacted] *** [redacted] *** [redacted] *** Date: September 2, Account: [redacted] Regarding Your Checking Account Dear [redacted] ***: We received a copy of your complaint filed with the Revdex.com concerning your checking account with Fifth Third BankWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, I would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured that we have contacted the relevant parties to fully research your account and passed on your concernsAfter we received your complaint, we reviewed the activity on your checking account prior to the date the account was charged off and closedOur review determined that the payments that posted to your account from [redacted] were ACH (Automatic Clearing House) paymentsFor an ACH payment to be processed, the related merchant would need to have your checking account number and the bank’s routing numberIf you had outstanding ACH payments that you wished to stop from posting to your account, you had the ability to make arrangements with the payees involved or place a stop payment for each itemWhen requesting a stop payment, we require the exact details of the ACH item including the item date, the payee involved, and the payment amount at least three (3) business days before the payment was scheduledThe fee to place a stop payment is $per itemIn the event that your checking account became overdrawn, the posted items may have been returned unpaid and subject to overdraft feesThe per item overdraft fee was based on the number of occurrences in the previous twelve (12) monthsWhen your account was opened, on February 4, 2010, for the first occurrence, you were charged $per itemFor the second through fourth, the fee was $The fifth occurrence and higher was $per itemIn addition, an $daily overdraft fee was assessed when the account remained overdrawn for three (3) daysThis fee was charged for every calendar day the account was overdrawn and it continued to be assessed for daysOn June 29, 2010, the available balance in your checking account was positive $A deposit in the amount of $posted to the accountOne (1) ACH payment of $from Prematic CorpInsPremposted to the account and a merchant payment for $was pending on the accountDue to insufficient funds, the payment from [redacted] was returned and we assessed one (1) overdraft fee of $33.00, which posted the following dayYour account remained overdrawn everyday thereafterDuring that time, additional transactions posted to your account which caused additional fees to be assessedThe account was charged off for $and reported to ChexSystems for collection proceedings on August 31, I have enclosed the related checking account statements for your reviewThis charged off checking account was sold to [redacted] on June 10, For additional information pertaining to your charged off account, we recommend that you contact [redacted] by the following address: [redacted] [redacted] *** [redacted] *** Please be aware that [redacted] may have sold the acquired debt to another collection agencyIf you’re contacted by any collection agency, you may request validation of the debt in question and contact information in which the agency is calling you fromWe strive to provide professional and accurate service to our customers, and we sympathize with any difficulties you encountered regarding your accountIf I may be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.mETSincerely, Lisa SConsumer Resolution Specialist Office of the President Pc: Revdex.com Enclosure: Checking Account Statements

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint While I understand 5/point of view, a customer is in a banking center to ask questionsWhen a representative of that company tells the customer not to make the payment as it will be included later, the customer believes that employee to be correctWhich is what happened hereI even described the employee we dealt withAlso, to 5/comment about how they stopped calling on a certain dateI signed papers and closed well before the harassing calls and letters stoppedThey sent me a certified letter more than weeks after I closed on the house and the new owners had already moved inTheir out of state collectors continued to call athe all hours of the day long after I sold the residence as well.I simply followed the directions of the employee at the locationFor years I owned that propertyThe only issue ever, was when I made my payment to a month early and they could not process the payment that early but did not bother to tell me and reassigned my payment into another accountThat took them several months to get that straightened outThis being the last payment ever, I simply want them to reverse the late payment so I can purchase a home that I have worked so hard to provide for my familyThis is the single reason I cannot purchase a new home overy miles away Regards, [redacted]

[redacted] [redacted] *** [redacted] *** Date: July 17, Account: [redacted] Account: [redacted] Regarding Your Recent Debit Card Dispute Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning your recent debit card disputeWe appreciate the time you have taken to document your thoughts and concerns regarding this matterI attempted to contact you on June 27, 2017, to discuss this matterUnfortunately, I have not been able to contact you by telephoneOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have causedPlease 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’ satisfactionOur research determined you contacted the Dispute Resolution Department (DRD) and disputed a purchase with [redacted] **Upon contacting the DRD the investigator opened case [redacted] to research your claimsThe Bank did provide credit to your account while investigating your concernsPlease find enclosed a copy of the letter mailed on February 27, 2017, informing you that the temporary or provisional credit of $was provided to allow you access to the funds while the dispute was under investigationOn April 25, 2017, the DRD notified you that your claim was deniedThe credit provided to your checking account was reversed as a result of the investigationAs noted on the letter, the Bank did honor any items, including but not limited to, any checks, drafts, or similar instruments payable to third parties, as well as preauthorized and electronic funds transfers from your account (without charge as a result of an overdraft), up to the amount of your dispute, that post to your account for five (5) business days after the transmittal of this noticeFor your review, please find enclosed copies of the documents provided by the merchant in regards to your disputeThe documentation indicates that the address on the invoice matches the address on your customer profile and the address this response is being mailedThe documents provided by the merchant indicated the transaction was authorized by [redacted] If you have not authorized [redacted] to use your account, please contact the DRD to speak with the investigator assigned to your claimPlease reference case [redacted] when speaking with the DRDThe Bank had no prior knowledge that [redacted] had no authority to conduct the transaction in question on your behalfIn researching your concerns, we have contacted the DRD and reasserted the fraud dispute on your behalfWe may contact you during the investigation to help us resolve this issueIf you have information that will assist the DRD in researching your unauthorized purchase claim, please contact the DRD at ###-###-####, Monday through Friday, a.mto p.m.; Saturday, 8:a.mto p.m., ETAs mentioned above, if you have not authorized [redacted] to use your debit card, please contact the investigator at your earliest convenienceOn June 20, 2017, the Bank closed and charged off your checking account ending in ***There was a negative ending balance of ($289.05)The account was sent for collection to [redacted] If you would like to make a payment arrangement for the uncollected balance, you can call [redacted] at ###-###-####, Monday, a.mto p.m.; Tuesday and Wednesday, a.mto p.m.; Thursday, a.mto p.m.; Friday, a.mto p.m., ETIn addition, our research determined the Bank has reported the negative account activity to [redacted] [redacted] is a national specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA) that retains checking or saving account information reported by financial institutions [redacted] reporting may prevent you from opening deposit accountsIf you would like to contact [redacted] , you may contact [redacted] , on the internet at www.consumerdebit.com, via telephone at ###-###-####, or by mail at: [redacted] , [redacted] [redacted] *** [redacted] We appreciate your patience while we researched your requestIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Merchant Documents Provisional Credit Letter Denial Letter

[redacted] Date: March 29, Account: [redacted] Regarding Your Express Banking AccountDear [redacted] :We received a copy of the letter you sent to the Revdex.com regarding your Express Banking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused 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’ satisfaction.According to my research into this matter, when you met with one of our employees at the Franklin and Eastern Banking Center to open an account, at that time you qualified for either our Basic Checking account or our Express Banking accountSince you expressed to the banker that you wanted an account with no monthly service charges, you chose to open an Express Banking accountWe regret if the account has not met your expectations.Please also accept my sincere apologies for the level of service you previously received regarding this matterWe strive to provide professional and accurate service to all of our customers and we regret if this has not been your experience.According to our records, on January 29, 2016, a debit card purchase appearing on your statement as ***BILL PAYMENT in the amount of $220.00, posted to your accountBecause you filed a dispute with the Bank regarding this charge, the account was provided with a provisional credit of $on February 1, Additionally, the merchant returned this charge to your account on February 1, When the dispute process was finalized on March 17, 2016, the provisional credit of $was revoked at that time because the merchant had also refunded the account $on February 1, On March 17, 2016, the beginning balance in your checking account was $When the provisional credit was revoked by the Bank on March 17, 2016, the account became overdrawnThe ending balance in the account on March 17, 2016, was negative ($219.16)Since the Express Banking account is not assessed fees for an account overdraft, no overdraft fees were assessed to the accountI have enclosed a copy of the Overdraft Notice dated March 18, 2016, for you review.Please be aware that as of March 25, 2016, your account has a negative balance of ($218.16)Please deposit funds into the account as soon as you can to bring the account back to a positive balance.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, Adam P.Office of the President Enclosure (1): Overdraft Notice

Please see below and attachedThank you [redacted] *** [redacted] *** I [redacted] *** Date: April 26, Regarding Your Complaint Dear [redacted] ***: We received a copy of the complaint you submitted to the Revdex.com (Revdex.com) regarding your recent experience when contacting the BankWe appreciate the time you have taken to document your thoughts and concerns regarding this matterWe sympathize with the difficulties you have experienced, and want you know that we truly appreciate your service to this countryOn behalf of the Bank, please accept my sincere apologies for the level of service you received when you recently contacted the Bank to update your mailing addressPlease be assured that Fifth Third Bank takes these matters very seriously, and we strive to provide an exceptional experience to our customersI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to our customers’ satisfactionAfter receiving your complaint, I attempted to contact you to further discuss your concerns, but I was unable to reach youHowever, based on your complaint, I listened to the recordings of your calls to the Bank, and I forwarded your concerns to the relevant parties within the BankHowever, I cannot inform you of any specific internal actions that may have been takenThe Bank is required to have a permanent physical address for all customersThis policy is in place help protect the customer and the Bank from possible loss or fraudIt is certainly not intended to cause you any our customers any hardshipAlthough we are required to have a permanent physical address for all customers, a customer does not have to receive mail at the permanent addressA P.OBox can be used as a mailing addressI am sorry if there was any misunderstanding when you called the Bank on April 7, If you would like to make any changes to your mailing address in the future, please contact customer service at ###-###-####, Monday through Friday, a.mto p.m., and Saturday, 8:a.mto p.m., ETThank you for your patience while waiting for a responseIt is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with usIf 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, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] Date: July 15, Account: [redacted] Regarding Your Checking Account Dear [redacted] ***: We received a copy of your complaint filed with the Revdex.com, concerning your Fifth Third Bank checking accountWe appreciate the time you have taken to bring this matter to our attention I am sorry for your unsatisfactory experience concerning the promotional offer for opening a checking account with us It was certainly not our intention to cause you any difficulties or frustrationWe understand your desire to receive the benefits of the new relationship offer with the BankHowever, this offer was not available to existing customers or those with a Fifth Third checking account that has been closed within the last twelve (12) month Our records show that this is not your first relationship with usOn November 28, 2014, you opened an Essential checking account and a Goal Setter Savings accountTherefore, the Bank does not consider your E-Access checking account ending in to be a new relationship While we certainly want your business and hope to have a continuing relationship with you, we are not willing to credit your account for the $bonus We hope this correspondence will help you understand Fifth Third Bank’s position going forwardWe appreciate your patience while we researched your requestIf 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, Elizabeth JOffice of the President Pc: Revdex.com

[redacted] [redacted] *** [redacted] *** Date: September 30, Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted] : We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your mortgage loan 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 matterI understand per your complaint that you mailed a payment for your mortgage loan on May 10, 2016, that was not received by the Bank timelyI reviewed your account and confirmed that we did not receive a mortgage payment in May The payment due for May 1, 2106, was processed on April 18, Therefore, your account was then due for June 1, When we did not receive the payment for June 2016, our Collection Department began calling you on June 17, 2016, using the phone number on file to notify you of the delinquencyWe also sent a late payment notice to you on June 16,However, we were unable to speak to you until you called the Bank on July 6, We did not receive payment for the June due date until July 1, It was processed on July 5, 2016, but was backdated to July 1, The funds covered the payment due for June Because the funds were received more than thirty (30) days after the due date, the delinquency was reported to the credit reporting agenciesYou called into the Bank on July 6, 2016, and advised you mailed in another payment for the accountYou asked if we would waive a late payment fee, but the agent you spoke to advised there was no late fee assessedThe agent also discussed setting your account up online so that you could make payments online to avoid a lost payment in the futureBased on our review of the phone call, you asked if there was going to be a fee from your credit union for paying the loan online through our websiteThere is no fee from Fifth Third Bank to make your mortgage payment online at 53.comWe did not identify any discussion of your credit report or removing your late paymentWe also do not have any other record of a Bank employee advising you that the late payment for June would be removedWe received your next payment on July 8, 2016, which covered the July 1, 2016, due dateListed below are the payments we received for the account since that time: [redacted] $1,on July 29, 2016: Covered the payment due on August 1, [redacted] $on August 19, 2016: Covered the payment due on September 1, [redacted] $1,on August 26, 2016: Principal only payment [redacted] $1,on September 16, 2016: Covered the payment due on October Please note that it does not appear we received the check you sent in May Enclosed for your review are copies of all the payment checks we received for the mortgage from April through September The April check number was The next check we received in July was check number Each payment received after that had the next check number in the sequence, and none had the date written on top for May We have not received check number You may wish to contact your financial institution to report the check as lostIf we receive the check in the future, we will attempt to process itIf there is a stop payment on the check, we will reverse it off your mortgage loan account and a returned payment fee may be assessedIf this happens, please contact me directly using my phone number listed below and I will waive the fee from your mortgageOn July 6, 2016, you were advised that no late fees were charged to your accountUnfortunately, this information was not correctA $late payment fee was paid out of your July 1, 2016, mortgage paymentPlease be assured that I waived the fee on September 14, We applied the $as a principal only paymentWe verified that the late payment listed on your credit report is accurateFifth Third Bank complies with the Fair Credit Reporting Act (FCRA) to report accurate account informationBecause there was not a Bank error that caused the June payment to be processed late, we are unwilling to remove the delinquency from your credit reportI apologize for the distress this may cause youAs of September 27, 2016, your mortgage loan is current and the next monthly payment is due on November 1, We 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 Enclosures: Late Payment Notice, Check Images (7)

Below is our response to the customerIn addition to the response attached above and the credit card agreement attached above, eight (8) statements from credit card statement ending August 12, through credit card statement ending March 12, being sent to the customer in the mail [redacted] *** Date: March 25, Account: [redacted] Regarding Your Fifth Third Platinum [redacted] Dear [redacted] :We received a copy of the complaint you filed with the Revdex.com regarding your credit card accountWe appreciate the time you have taken to express your thoughts and 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 concerns as part of our ongoing commitment to improving our customers’ satisfaction.On January 6, 2005, the Bank received and approved your application for a Fifth Third Platinum [redacted] Upon approval of your credit card account, your card and credit card agreement were mailed to youFor your review and convenience, a copy of the most recent version of the credit card agreement currently in effect for your account is enclosed.On August 12, 2015, the Bank sent your credit card statement indicating a minimum payment of $due by September 9, I have enclosed a copy of this statement for your recordsThe Bank did not receive a payment by September 9, Therefore, on September 10, 2015, a late charge of $posted to your credit card statementThe next credit card statement was generated on September 11, 2015, indicating a minimum payment of $1,due by October 9, Included in this payment is a past due amount of $I have enclosed a copy of this statement for your recordsOn October 9, 2015, the Bank received and posted your credit card payment for $However, this payment was not enough to satisfy your minimum payment due; therefore, on October 12, 2015, a late charge of $posted to your credit card statementThe next statement was generated that same day, indicating a minimum payment of $due by November 9, Included in this payment is a past due amount of $ I have enclosed a copy of this statement for your records.On November 9, 2015, the Bank received and posted your credit card payment for $However, this payment was not enough to satisfy your minimum payment due; therefore, on November 10, 2015, a $late charge posted to your credit card statementOn November 12, 2015, your next credit card statement was mailed to you, indicating a minimum payment of $1,due by December 9, The Bank did not receive a payment by December 9, Because you had missed two or more consecutive minimum payments, on December 22, the Bank revoked the ability to make debit transactionsPlease note because your account has been revoked, you are not able to make payments onlineWe did verify that you contacted our Hardship Department on December 19, to set up a repayment planYou were advised to make payments of $per month for twelve monthsOur agent was able to schedule four monthly payments for you at that time through starting on January 8, and ending April 8, However, you will need to contact the Collection Department to set up future paymentsThe Collection Department phone number is ###-###-####A customer service representative is available Monday through Friday, a.mto p.m.; Saturday and Sunday, a.mto p.m., ET.Enclosed are your statements for December 2015, January February and March Please note on the enclosed statements, the mailing address for your credit card account is the same address on your Revdex.com complaintWe sincerely apologize if you have not received your credit card statements.We have completed our review of the payment history reporting on your credit report for your Fifth Third Platinum [redacted] Our review determined that the information provide to the credit reporting agencies is accurateIf 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 apologize for any inconvenience this may have caused youIf I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Patrick S.Office of the PresidentPC: Revdex.com

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI still think the bank should address the problems internally as well to ensure other customers don't have the same sub-par experience that we encounteredI do appreciate the steps they took with our loan after the complaint was madeI hope that our contractor and I have a pleasant experience with Fifth Third during the 6-months of construction Thank you so much for your help in getting this matter resolved [redacted]

[redacted] *** [redacted] *** [redacted] *** Date: July 5, Account: [redacted] Regarding Your Checking Account Dear [redacted] ***: We received a copy of the complaint filed with the Revdex.com regarding your checking account with Fifth Third BankWe appreciate the time you have taken to document your thoughts and concerns regarding this matter On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured that we have contacted the relevant parties to fully research your account and passed on your concernsOur records indicate that your checking account became overdrawn on June 7, The account remained overdrawn and was charged off for $on August 2, I have enclosed the related checking account statements for your reviewThe charged off checking account was sold to a third party collection agency, ***, on April 1, *** has since went out of business and may have sold the debt to another collection agency, which is why you’re likely receiving callsSince we have sold this account and no longer own the debt, we are unable to stop the current collection activityYou may contact the collection agency to request a validation of the amount they are attempting to collectIn addition, you also reserve the right to send the collection agency that is contacting you a written request to cease and desist any future telephone calls regarding the outstanding debtPlease 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 a judgment as an industry practiceWe have updated [redacted] to remove the reporting for this accountPlease allow up to thirty (30) days for [redacted] to update their recordsYou may present this letter as proof of the update should you apply for credit within the next thirty (30) daysIf you would like to contact [redacted] to confirm that our reporting has been removed, you may contact [redacted] , on the Internet at www.consumerdebit.com, via telephone at ###-###-#### or by mail at: [redacted] , Consumer Relations, and [redacted] ***We appreciate your patience while waiting for a responseYou are a valued customer and we hope you will allow Fifth Third Bank to service your financial needs in the futureIf I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ESTSincerely, Lisa S.Office of the President Pc: Revdex.com Enclosure: checking account statements

[redacted] ***Date: July 14, Account: ***2341Regarding Your Overdraft FeesDear [redacted] :We received a copy of your complaint submitted to the Revdex.com concerning the overdraft fees you recently accrued on your checking account after delayed debit card purchases posted due to the fraud block on your debit card ending in ***I appreciate the time you have taken to communicate your thoughts and concerns.On behalf of the Bank, please accept my sincere apologies for a [redacted] 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’ satisfaction.Our research determined that the delayed transactions, which totaled $321.03, are as follows: 05/21/ [redacted] $05/21/ [redacted] $05/21/ [redacted] $05/20/ [redacted] $05/21/ [redacted] ###-###-#### FL $05/20/ [redacted] ** $05/21/ [redacted] $05/21/ [redacted] $05/22/GS [redacted] $05/22/GS [redacted] $05/22/ [redacted] $ If any transaction listed above is not legitimate, please either contact me to discuss the matter further with the information listed below, or call our Bankcard Fraud department directly at ###-###-####, twenty-four hours a day, seven days a weekWe regret the inconvenience this matter may have caused you, but as the customer you are in the best position to know if items you have purchased using your debit card have cleared your checking account by utilizing a checkbook registerDue to no bank error being found in our research of this matter, we are unable to refund your overdraft fees [redacted] it was certainly not our intention to cause you a [redacted] hardship and we appreciate your patience while we researched this matterIf 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, Sarah S.Office of the PresidentPc: Revdex.com

[redacted] [redacted] *** [redacted] *** Date: December 20, Account: [redacted] Regarding Your Fifth Third Checking 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 concernsAccording to page nine (9) of our Digital Services User Agreement: “Within the Mobile and Online Banking Bill Payment section, we use the term "Deliver By.” This is the date that you want the payment to be delivered to a PayeeIf the date falls on a non-business day, it shall be delivered the preceding Business Day.” A copy is enclosed for your referenceOn November 27, 2017, you made a one-time payment for $to [redacted] The due date you chose was December 1, 2017, because December 3, 2017, fell on a SundayThe check dated November 27, 2017, was presented for payment by the payee on December 1, The beginning balance in your checking account ending in [redacted] on December 1, 2017, was $The payment for $was not paid due to insufficient funds and one (1) $fee was charged to the checking account the following business dayAn overdraft notice that includes a detailed breakdown of the day’s transactions is generated and sent to the address on fileIt is also viewable when you log into your accounts online or via your mobile deviceYou purchased a money order for $on December 4, Then, on December 5, 2017, the payee presented the check for payment againThe balance in the account was $The item was not paid due to insufficient funds and one (1) $fee was charged to the checking account the following business dayBecause this payment was sent according to instructions provided by you, and covered by our Digital Services Agreement, we are not willing to reimburse you for any fees charged to you by the payee, or other merchants, while your account was overdrawnThe customer is responsible for ensuring that there are funds in the account to cover a bill payment when the merchant presents it for paymentAs a courtesy to you, previous overdraft fees were waived on October 16, 2017, and on October 26, We strive to provide quality service to all of our customers, and I apologize that we failed to meet your expectationsWe certainly sympathize with the difficulties you have encounteredIn the interest of customer service, an additional $in overdraft fees has been reversedYour account balance remains negative ($17.89)In addition, we have placed a stop payment order for the check number [redacted] dated November 27, 2017, to [redacted] , so that it will not be paid in the event they attempt to present it for payment againI understand your frustration when this situation occurred and I am sorry for any inconvenience this matter 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: Digital User Services Agreement

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 have received a response from the bank stating that there is nothing more they can doI'm asking that the Revdex.com take a serious look into their practicesI understand they may be operating under federal banking guidelines, but are 5/3rd practices ethicalI was charged serious number of late fees in an incredibly short period of timeLook into this carefully Regards, [redacted] ***

[redacted] *** [redacted] [redacted] *** Date: October 23, Account: [redacted] Regarding Equity FlexLine Account for [redacted] *** Dear [redacted] ***: We received a copy of your follow up complaint submitted to the Revdex.com, regarding your Power Of Attorney (POA) for [redacted] Equity FlexLine accountWe appreciate the time you have taken to document additional your thoughts and concerns regarding this matterAlthough you state that your mother does not remember revoking your POA, we were provided with a letter bearing [redacted] signature that revoked your POA effective March 17, Therefore, we are not able to share any details with you concerning your mother’s Equity FlexLine or recent address changes made on her behalfIf you are able to provide us with updated documentation showing you as POA, we would be more than happy to assist you at that timeIn addition, at Fifth Third Bank we are committed to doing what is right for our customers and this commitment includes our fair and responsible lending practicesOn September 28, 2015, Fifth Third Bank entered into an agreement with the government to settle two consumer protection mattersThese matters impacted a limited number of customers, many of whom have already been reimbursedPlease be assured that Fifth Third Bank has put safeguards in place to avoid future issuesHowever, we are unable to provide you with any details regarding the settlement at this time [redacted] ***, we apologize for any inconvenience this situation 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, Danielle SOffice of the President

May 17, [redacted] Revdex.com Holiday Drive, Suite Pittsburgh, PA 15220Re: Your reference: [redacted] - Case No [redacted] Dear Ms [redacted] :We are in receipt of your letter dated May 13, 2018, regarding the informal complaint filed by Mr***Armstrong has had the opportunity to investigate this Complaint and offer the following information.Upon receipt of multiple complaints by Mr [redacted] regarding assistance with his bill, it was determined that the customer started service on March 16, and has yet to make a paymentMr [redacted] is at this point requesting payment arrangements however, Armstrong’s existing policy requires the receipt of two payments before consideration for alternative credit arrangement can be grantedAs an aside however, Armstrong has also granted Mr [redacted] a $credit as a courtesyWe encourage Mr***, if he wishes to avoid interruption to his service, to make an immediate payment.Thank you for your attention to this matterPlease feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Teamcc: [redacted] ***

[redacted] *** [redacted] *** [redacted] *** [redacted] *** Date: February 13, Account: [redacted] Regarding the Repossession of Your Vehicle Dear [redacted] ***: Thank you for your call to the Bank regarding the repossession of the vehicle securing your Fifth Third Bank auto loanWe also received a copy of the complaint you submitted to the Revdex.comWe appreciate the time you have taken to express your concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for the difficulties you have encountered regarding this matterWe strive to provide exceptional service to our customers, and I am sorry that was not your experiencePlease be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the BankI 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’ satisfactionAfter receiving notice that the insurance policy on your [redacted] was cancelled on May 19, 2016, we sent a notice to you at the mailing address on file on June 6, 2016, requesting you to submit proof of full coverage vehicle insurance required under the terms of your loan noteWhen we did not receive the requested proof of insurance, we sent two (2) additional notices to the mailing address on file on June 27, 2016, and July 12, I have enclosed copies of those notices for your reviewWhen we still did not receive the requested proof of insurance, we added force-placed insurance costing $1,to your auto loan on July 27, The force-placed insurance added to your loan increased your monthly payment; however, you continued to pay the regular monthly payment of $This caused your loan to become past dueDue to the delinquency on your loan, our Collection Department made multiple attempts to contact you at the numbers on file to inform you of the delinquency and to make payment arrangementsHowever, you did not make any arrangements to bring your loan current, so on December 7, 2016, we referred your vehicle for repossession when your account was ninety-two (92) days past dueOn January 18, 2017, we repossessed the [redacted] That same day you contacted our Collection Department to make arrangements to redeem the vehicleOn January 20, 2017, you made a payment of $1,by check at a banking centerWe reviewed your calls to our Repossession Department and confirmed that you were told that the reinstatement amount needed to be paid in cashSince you did not pay the reinstatement amount in cash, our Repossession Department held the release of your vehicle to ensure that the check payment would not be returned unpaidAfter speaking with *** [redacted] on January 24, 2017, our Repossession Department submitted a release to our repossession agent so that you could redeem the vehicleIt was certainly not our intention to cause you any hardshipHowever, our research determined that the force-placed insurance was not added on your loan in error, and the vehicle was not repossessed in errorTherefore, we are unable to reimburse you for any costs associated with the repossessionI am sorry for any frustration this may cause youOn January 27, 2017, after receiving partial proof of insurance, we credited $1,to your loan leaving $still owed for the force-placed insuranceOur research determined that you were unable to provide proof of insurance from May 19, 2016, through July 30, If you have proof of insurance for this lapse period, you may mail it to the following address: Fifth Third Bank Office of the President Attn Elizabeth DKingsley Drive MD 1MOCOP Cincinnati OH You may also fax this documentation to my attention at ###-###-####Once we receive this documentation we will forward it to our Insurance Department for a possible full credit of the force-placed insuranceAs of February 9, 2017, the force-placed insurance of $has been paid in fullYour loan is due for your next payment of $on March 5, You may want to consider enrolling with our Auto BillPayer serviceAuto BillPayer will automatically transfer your full monthly payment amount from a non-Fifth Third Bank checking account to your loan by the due date each month at no additional chargeIf you are interested in enrolling with Auto BillPayer, please contact Auto BillPayer at ###-###-####, Monday through Friday, a.mto p.m., ETThank you for your patience while we conducted our researchYou are valued customers, 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, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Insurance notices

[redacted] [redacted] * [redacted] *** Date: September 14, Accounts: [redacted] [redacted] [redacted] Regarding Your Fifth Third Bank Accounts Dear [redacted] : We received a copy of the rebuttal you submitted to the Revdex.com regarding your Fifth Third Bank accountsWe appreciate the time you have taken to document your additional thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youHowever, we stand by the response conveyed to you in our previous letter dated August 5, Our position on this matter has not changedYou expressed additional concerns in your rebuttal that your overdraft protection did not workOur records show that your savings account ending in [redacted] was set up as overdraft protection for your checking account ending in ***Both accounts were opened on August 21, However, no funds were ever deposited into your savings account, and it was closed on October 6, No other account was set up as overdraft protection for your checking accountYou also expressed additional concerns that the disclosures for your Secured [redacted] ending in [redacted] were not provided to you at the time you submitted the applicationSpecifically, you mention disclosures regarding late paymentsThe disclosures enclosed with our previous response are provided to all applicants for a Secured [redacted] at the time the application is submittedIn regards to late payments, the Fifth Third Bank Card Agreement states the following: [redacted] You acknowledge that you specifically intended to grant us the security interest in all funds in the Secured Bank Account, that this security is an express condition for your Account and the funds in your Secured Bank Account must remain on deposit during the term of this Agreement If you do not pay your Account balance or we decide to close your Account for any reason, you authorize us to apply all of the funds in the Secured Bank Account to your outstanding Account balance(page 2, section 3) **Your payment is due on or before the Payment Due Date shown on your Account StatementYou must pay at least the Minimum Amount Due show on your Account Statement on a monthly basis[.] (page 2, section 8) [redacted] If we do not receive the Minimum Amount Due by the Payment Due Date, there is a late payment fee of $Any subsequent late fees will be $until you make your required Minimum Amount Due by the Payment Due Date for six consecutive Billing Cycles(page 3, section 14) [redacted] You agree that, subject to Applicable Law, if your Account is in default under this Agreement, you will accept calls from us at your home and your place of business regarding collection of your AccountYou understand and agree that the calls to your home may be automatically dialed and a recorded message may be playedYou agree such calls will not be considered “unsolicited” calls or telemarketing calls for purposes of state or federal law(page 5, section 23) I have enclosed another copy of the Fifth Third Bank Card Agreement for your convenienceThank you for your patience while we conducted our additional researchIf 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, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Fifth Third Bank Card Agreement