PROCORPSA

[redacted] [redacted] *** [redacted] *** Date: January 20, 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 processed an Online Bill Payment via our website at 53.com to your [redacted] credit card account for $4,You scheduled the payment to process from the checking account ending in [redacted] on November 30, When the payment processed as requested on November 30, 2016, there were insufficient funds in the checking account to cover the transactionAs a result, the $4,was returned by the Bank as unpaidPlease note that Online Bill Payments are sent as a check to the payee or they are submitted via an Automated Clearing House (ACH) transactionIf the payment is made via ACH, our Online Bill Payment vendor pays the bill with their own fundsThe vendor then drafts the payment from your account to reimburse the funds they used to pay your billThis means that [redacted] received the $4,payment, but the money was unable to be drafted from your accountOur vendor will attempt to draft the funds multiple times from the account you selected in an attempt to reimburseIf the vendor is unable to be repaid, then the customer’s information is sent to the vendor’s collection departmentThe $4,was processed on November 30, 2016, December 5, 2016, and December 8, Each attempt was returned as unpaid for insufficient fundsAs a result, your account was charged one (1) $returned item fee and two (2) $returned item feesThe fees assessed to the account are listed on page three (3) of the enclosed Rules and RegulationsI confirmed that you successfully made the payment to [redacted] from your checking account ending in [redacted] on December 2, 2016, using the Online Bill Payment systemPlease note that scheduling a separate successful payment does not cancel out the previously unsuccessful paymentThe payments are separate from each otherOur Online Bill Payment vendor was able to receive a refund of the $4,they paid to [redacted] that they were unable to recoup from your checking account ending in ***I understand that you requested to have all fees related to the Online Bill Payment reversedI verified that $of the total $in returned item fees have already been waivedBecause we value your relationship with the Bank, and because we empathize with the issue you experienced, we reversed the remaining $returned item fee in the interest of customer service on January 18, Please note that it is each customer’s responsibility to ensure there are available funds in the accounts from which they have scheduled Online Bill PaymentsThe Bank and the Bank’s Online Bill Payment vendor will not send a warning to the customer if there are insufficient funds to make or schedule the paymentYou also mentioned that due to the [redacted] transaction processing multiple times, your account ending in [redacted] was converted from a savings account to a checking accountPlease be advised that Federal Regulations limit the number of electronic withdrawals that can be processed from a savings accountPage twenty (20) of the Rules and Regulations provides information regarding savings account transactionsYou are allowed six (6) electronic withdrawals of the following types each month: [redacted] Automatic transfers from a savings account to cover an overdraft via Overdraft Protection [redacted] Transfers of funds or bill payments to third (3rd) parties or other deposit accounts at Fifth Third Bank [redacted] Preauthorized ACH or Electronic Transfers [redacted] Fifth Third Telephone Banking or any money management payment from your savings account [redacted] Point-of-sale transactions with a debit card [redacted] Checks or drafts payable to third parties After three (3) instances in twelve (12) months of exceeding the allowable number of monthly withdrawals or transfers, your savings account may be closed and the funds transferred to a checking accountEnclosed are copies of the letters we sent to you on February 27, 2015, March 31, 2016, August 31, 2016, and September 30, 2016, notifying you that you had exceeded the limit of restricted savings account transactionsYou exceeded the transaction limit three (3) times in a twelve (12) month timeframePer the letter issued on September 30, 2016, we converted the savings account ending in [redacted] to a checking account to comply with Federal RegulationThe account conversion occurred in October 2016, which was prior to the attempted [redacted] card paymentsPer the notice, the checking account has an $monthly service fee, which is reduced to $if you have direct deposits totaling $or morePlease be advised that we are not permitted to convert the checking account back to being a savings accountIf you would like to determine if a different checking account type would work best for you, I encourage you to visit a Banking Center or contact our New Accounts Department at ###-###-####That department is available to assist you Monday through Friday from a.mto p.m., ET, and on Saturday from a.mto p.m., ETWe 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: Rules and Regulations, Limited Transactions Notification

[redacted] *** [redacted] *** [redacted] *** Date: February 15, Account: [redacted] Regarding Your Basic Checking Account Dear [redacted] ***: We received a copy of the follow up complaint you filed with the Revdex.comWe 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 any inconvenience or frustration this matter may have caused youHowever, the Bank stands by the response conveyed to you in our previous letter dated February 1, Our position on this matter has not changedI have enclosed a copy of that letter for your convenienceIf 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 P.Office of the President Enclosure: Previous Response

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 There is $13,in disputeThe vendor only provided documentation for $worth of chargesWhere is the balance of the documentation that I requested? The vendor is in violation of the provisions of the Fair Credit Billing Act by not investigating this matter and providing me with said documentationIf the vendor had any intentions of suing me for this amount, they would have done so by nowThey know they are wrong, that is why they have notI have adequate documentation to present if this matter ever goes to court requesting backup documentation again and again from the vendor with no results on their part Regards, [redacted]

***, On March 30, 2016, the Office of the President responded to [redacted] regarding his dispute case and stated the following: As I stated in our prior response sent on March 3, 2016, the disputes resolution department is currently reviewing your case ( [redacted] )After the review process is complete, the disputes department will send you notification of their final decisionIf you would like to contact the disputes department directly, you can call them at ###-###-####, Monday through Friday, a.mto p.m., Saturday, 8:a.mto p.m., ET If [redacted] has additional questions about his dispute case, please advise him to contact the Disputes Department directly with the above contact informationThank you, Jennifer LC.Fifth Third Bank, Office of the President

[redacted] [redacted] ** [redacted] *** Date: October 2, Account: [redacted] Regarding Your Installment Loan Account Dear [redacted] : We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your installment 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 matterThank you for taking the time to speak with me about your request for payment assistance after being impacted by Hurricane ***I am sorry for the difficulties you encountered while attempting to reach our Hardship Assistance DepartmentWe are experiencing a higher number of phone calls than from customers needing assistance after the hurricaneIf a representative is not available for the call within a specified time frame, the call is transferred to a voicemail system so customers can be called backI verified that a call attempt was made on September 14, 2017, to your phone number of ###-###-####, which is the phone number that you provided to the Revdex.comThey were unable to reach you but our records reflect that a voicemail was leftI apologize if you called and left additional voicemails that were not returnedPlease be assured that I have contacted the relevant Bank management regarding this matterI contacted our Hardship Assistance Department to have them contact you about your request for a payment defermentI confirmed that they were able to speak with you on September 28, 2017, and a three (3) month payment deferment was approvedAs we discussed, the deferment cannot be put in place until you sign and return the deferment agreementPer the terms of the deferment, the next payment will be due on January 24, The agreement was sent to the email address [email protected] print, sign, and return the document as soon as possibleWe 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 HOffice of the President Pc: Revdex.com

[redacted] [redacted] [redacted] *** Date: March 30, Account: [redacted] Regarding Your Mortgage Account Dear [redacted] : Thank you for contacting the Bank, regarding your Fifth Third Bank mortgage loanWe appreciate the time you have taken to express your concerns regarding this matterYour comments expressing less than quality customer service are very concerningWe strive to provide accurate and professional services to our customersPlease be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received at the [redacted] Banking CenterWe have conducted an investigation of your claims that you were instructed not to make your mortgage loan payments by the [redacted] Banking Center, but were not able to substantiate your claimShould your mortgage loan become past due, your account may be subject to late charges, property inspection fees, derogatory credit bureau reporting, and attorney feesDuring that time, our Collection Department will attempt to notify you via mail and telephoneOur records confirm that our Collection Department attempted to contact you several times concerning the late payment for your mortgage loan accountPast due notices and mortgage loan statements were also mailed to the address on file from December 16, through February 17, The past due notices and mortgage loan statements are enclosed for your reviewOn February 19, 2016, you requested a payoff quote for this mortgage loanThe payoff quote for your mortgage loan had a good through date of March 1, I have enclosed a copy of this payoff quote for you recordsOn February 19, 2016, a letter was also mailed to the above address indicating that you should continue to make regular payments to avoid late charges and potential negative credit bureau reportingI have enclosed a copy of the letter titled Important Information Regarding Your Mortgage Loan Payoff Quote for your recordsUntil the mortgage loan payoff posted to your account on February 26, 2016, you were still contractually obligated to make the monthly mortgage loan payment as outlined in the NoteI have enclosed a copy of the Note for your recordsThe call on March 1, 2016, was reviewed and no error was found in the information provided to you concerning the credit reporting dispute processThe Consumer Contact Center agent informed you that she submitted a request to have the delinquencies reported to the credit bureaus reviewedWe are very sorry if our attempts to explain the credit reporting dispute process during your telephone call with our Consumer Contact Center did not provide the level of detail you desired, or failed to fully address all of your questions and concernsWe regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to correct prior negative reportingIf you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Elizabeth J.Office of the President Enclosures: Note, Past Due Notices, Mortgage Loan Statements, Payoff Quote, and letter titled Important Information Regarding Your Mortgage Loan Payoff Quote

[redacted] [redacted] [redacted] *** Date: February 28, Regarding [redacted] Checking Account Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com regarding a check drawn on *** [redacted] checking accountWe appreciate the time you have taken to document your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youI want you to know that feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfactionAs you are not a co-signer on the account in question, we are unable to share any details concerning this account with youI apologize for any inconvenience this may cause youPlease be aware that we responded to your complaint in detail and mailed a response to [redacted] Thank you for your patience while waiting for a responseIf 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.Pc: Revdex.com

Problem: I have another complaint filed with the Revdex.com filed in August now the bank has done the exact same thing again for the month of September and they still haven't resolved the issue from AugustSarah Sfrom the office of the President contacted me regarding the original complaint and promised to get it resolvedI followed her directions and still haven't heard back or received any resolutionNow in September the bank has charged me TWICE after telling me they wiped out all previous arrangements set up electronically to prevent any issues going forwardI spent hour on the phone with customer service this morning speaking with a representative who left me on hold for minutes pretending to seek out a supervisor who she later stated was in a meetingI called and left multiple messages for Sarah regarding her follow up to my August issue and also alerting her to the issue that occurred now in September and of course NO ANSWERHow is it legal for this bank to continue to do this with no recourse?Desired Outcome: OVERDRAFT FEES REFUNDED ERRORS CORRECTED CUSTOMER SERVICE OR DOES IT NOT MATTER?

[redacted] [redacted] * [redacted] *** Date: January 12, Account: [redacted] Regarding Your E-Access Checking Account Dear [redacted] : We received a copy of the follow up letter you sent to the Revdex.com regarding your E-Access Checking accountWe appreciate the additional time you have taken to document 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 customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfactionAs was explained in my previous response, Fifth 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 amountFifth Third Bank ATMs are provided as a convenience to our customersSince we cannot ensure that all of our ATMs will be available for use at all times, it is important to ensure that you have sufficient funds in your account to cover transactions you authorizedAccording to my research, any ATM issues or issues with our Frankfort-West Banking Center have been addressed appropriately and in a timely manner by the BankI also want to apologize for any inconvenience you experienced when our Frankfort-West Banking Center was being remodeledAlso according to my research, the previous overdraft fee reversals on your account during the last twelve (12) months were performed as courtesy fee reversalsAs was also previously explained to you, it is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank errorIf we receive a request to reverse fees as a customer courtesy, we are only able to reverse a limited amount of fees within a specified period of timeThe reason for this policy is that it allows us to treat all customers fairly and equallyPursuant to your previous fee waiver requests, we have reversed $in overdraft fees over the past twelve (12) months, as a courtesy to youAccording to the Bank’s policy regarding overdraft fee reversal requests, additional courtesy fee reversals are not warranted to this timeIf I could be of further assistance to you, please call me at ###-###-####, or toll free at 866-360-5353, Monday through Friday, a.mto p.m., ETSincerely, Adam POffice of the President PC: Revdex.com

[redacted] [redacted] [redacted] *** Date: March 23, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of the complaint filed with the Revdex.com regarding transactions that posted to your checking accountWe appreciate the time you have taken to share your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youOn June 19, 2015, we received your dispute for two (2) unauthorized debits in the amounts of $each that posted to your checking account on April 9, 2015, and on April 23, We opened case # [redacted] and began our investigationOn July 14, 2015, we posted a provisional credit of $to your checking account while we investigated your disputeYour account was also credited $on June 23, 2015, for the related overdraft fees that were charged to your accountDuring our investigation, we contacted [redacted] (***) in order to advise [redacted] of the dispute filed [redacted] provided our Disputes Department with a copy of a contract in your nameAccording to the contract provided, on January 12, 2015, you financed $1,and agreed to make payments of $to ***We have confirmed that your checking account ending in [redacted] received a credit of $1,on January 12, I have enclosed the checking account statement showing the deposit for your reviewDue to the information provided by ***, we denied your dispute and reversed the provisional credit of $from your checking account on July 17, Please find enclosed a copy of the contract in your name provided by ***According to the documentation provided, it appears that you initiated this loan with ***If you still claim that this contract was not authorized by you, you may submit in writing that you did not consent to the provided contract and further explain the credit to your checking account on January 12, 2015, for the proceeds of the loan in questionPlease write a letter to further explain your dispute of the transactions with ***You may mail your letter and any supporting documentation to my attention at: Fifth Third Bank Office of the President Attn: Lisa SKingsley Drive Mail Drop: 1MOCOP Cincinnati, OH Alternatively, you can fax this documentation to my attention: ###-###-####Once your letter is received, our Disputes Department can re-open your case and will contact [redacted] to further investigate your claimsWritten confirmation will be sent to you from our Disputes Department once their investigation is completedIf you believe that the application with [redacted] was submitted in your name fraudulently, you may want to contact your local law enforcementThey will be able to assist you with completing the necessary documents for any fraud that may have occurredWe appreciate your patience while waiting for a responseIf I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ESTSincerely, Lisa SOffice of the President Pc: Revdex.com Enclosure: Copy of contract, checking account statement

[redacted] *** [redacted] * [redacted] *** Date: January 6, 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 concernsWe completed a review of the Essential Checking account ending in Our records indicate that on November 28, 2015, the joint account holder, [redacted] **, accepted Overdraft Coverage via online banking for the Essential Checking account, allowing access to funds beyond the account balance with debit card transactionsOur review of the account activity included the following: ? On December 21, 2015, the beginning account balance was $There were ten (10) transactions that posted to the account, totaling $307.30, leaving the negative account balance at ($5.19)Because there were not enough funds to cover all of the transactions, the transaction to [redacted] in the amount of $was assessed an overdraft fee in the amount of $the following business day? On December 28, 2015, the beginning account balance was $There were ten (10) transactions that posted to the account, totaling $301.83, leaving the negative account balance at ($176.78)Because there were not enough funds to cover all of the transactions, the transactions to [redacted] in the amount of $72.95, [redacted] in the amount of $4.99, and ATT in the amount of $were each assessed an overdraft fee in the amount of $the following business day, totaling $? On December 30, 2015, the beginning account balance was $There were five (5) transactions that posted to the account, totaling $112.84, leaving the negative account balance at ($61.53)Although there were not enough funds to cover these transactions, because the Overdraft Coverage was declined by you, via online banking, on December 29, 2015, these debit card transactions were not assessed any overdraft feesOur review of the account history determined that Overdraft Coverage was accepted for the account between November 28, 2015, and December 29, 2015, and there was no Bank error in assessing the overdraft fees to the accountBecause there was no error, we are unable to accommodate your request to reverse any additional feesI am sorry for any additional frustration this may cause you, and any difficulties you may have experienced when calling 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

[redacted] *** [redacted] *** [redacted] *** Date: February 1, Account: [redacted] Regarding Your Basic Checking Account Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.comWe 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 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 at 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 customer satisfactionIf an account becomes overdrawn, we assess a $overdraft fee for each item that posts while the account has a negative balance, or per item that is returned due to insufficient fundsThese fees will post the following business day after an overdraft occurrenceOn January 16, 2018, the beginning balance in your Basic Checking account was $On that day, seventeen items posted to the account totaling $Due to insufficient funds in the account to cover all items presented, three items were returned as unpaid on January 17, 2018, and the account was assessed three (3) returned item fees totaling $A copy of the Overdraft Notice dated January 17, 2018, is enclosedOn January 18, 2018, the beginning balance in your checking account was negative ($85.28)That day, two of the $payments were re-presented by the third party for paymentDue to insufficient funds in the account, the items were returned and the account was assessed two returned item fees totaling $74.00, the following day, January 19, A copy of the Overdraft Notice dated January 19, 2018, is enclosedDebit card and Automated Teller Machine (ATM) transactions show as pending against your available balance during the day because they are pre-authorized time-stamped debitsChecks and some electronic payments, such as Automated Clearing House (ACH) payments, are collected at the end of the business day for overnight processing and will post to the statement for that day, the day the payments were authorized by you to paid and collected for payment from Fifth Third BankBecause these items are processed overnight, they will not show as pending during the dayAll transactions will post to your account during overnight processing in the following order and will be visible the next business day: [redacted] Credits and deposits made prior to the end of day cut-off time, subject to our Funds Availability Policy [redacted] Debit card and ATM transactions in the order they were authorized [redacted] Checks and electronic payments in the order of highest to lowest amount [redacted] Fees and service charges Each of the items that caused the account overdrafts described in this letter were ACH paymentsSince ACH items are processed overnight, the items that overdrew the account did not appear when you used our Mobile App to access your account information on January 16, The payment processing information explained in this letter is disclosed in the Bank’s Deposit Account Rules and Regulations, a copy of which is enclosedFor more detailed information, please refer specifically to the section entitled Overdraft Calculations Order on page fourteen (14)The Bank offers several options for Overdraft ProtectionIf you are enrolled in Overdraft Protection, funds are automatically moved from another Fifth Third account that you own to your checking account in the event of an overdraftAlthough there is an overdraft transfer fee of $per transfer, this is less than the fees that are assessed when your checking account becomes overdrawn without Overdraft ProtectionFor more information about Overdraft Protection, please visit your local Fifth Third Banking Center or contact our Customer Service Department at ###-###-####, Monday through Friday, a.mto p.m., ET, Saturday 8:a.mto p.m., ETYou will also find additional information on our website at 53.com and in the enclosed copy of the Bank’s Deposit Account Rules and RegulationsIt is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank errorHowever, we have reversed $in overdraft fees over the past twelve (12) months as a courtesy to youTherefore, additional courtesy overdraft fee reversals are not be warranted at this timeWe regret if this causes you any inconvenience or frustration as that is certainly not our intentionYou are a valued customer of the Bank 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, Adam P.Office of the President Enclosures (3): Overdraft Notices (2) Deposit Account Rules and Regulations

We are in receipt of your letter dated July 8, 2015, regarding the informal complaint filed by [redacted] * [redacted] Wehave had the opportunity to investigate this Complaint and offer the following information.According to Armstrong’s records, Mr [redacted] received a 1-year promotional offer for discounted service at $79.95per month and then $per month, each for six monthsMr [redacted] received this offer on July 1, OnJuly 1, 2015, this promotion expired, and Mr [redacted] is now paying the full monthly rate for servicesCurrently,Mr [redacted] is not eligible for another promotional offerIf he wanted to add telephone to his service, Mr [redacted] would be eligible for a discounted rate.Armstrong encourages Mr [redacted] to contact our Customer Service Center if he has any additional questions aboutthis program or if he has any internet issuesThank you for your attention to this matterPlease feel free to contactme should you have any questions or require further information.Sincerely,Agency Complaints Response Teamcc: [redacted] * [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I thank 5/for being reasonable and treating me with respectI look forward to continue banking with them for years to come, and really appreciate them overturning the overdraft feeThanks to the Revdex.com and 5/bank for prompt resolution on this issue! Regards, [redacted]

April 21, [redacted] Revdex.comHoliday Drive, Suite 220Pittsburgh, PA 15220Re: Your reference: Theodore [redacted] - Case No [redacted] Dear Mr***:We are in receipt of your letter dated April 10, 2017, regarding the rebuttal filed by [redacted] .Armstrong responded to Mr [redacted] ’s initial complaints on March 8, and again on March 30, In August 2016, Mr [redacted] was verbally offered a promotion to add Zoom Internet to his cable and telephone service at a deeply discounted rateUnder this promotion, Mr [redacted] received his services at the discounted rate for six monthsAt the end of this period, the promotional rate increased by $for the next six monthsThis increase still reflects a substantial savings in his services as compared to the regular rates of the services.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 Team cc: [redacted]

The check matches the amount of the two (2) transfers on the statements provided to MsLewisWe have provided the customer with statements and copy of the check sent to [redacted] CountyIf [redacted] can provide us something from [redacted] County stating they did not process or receive the check we would respond to thatHowever, we would respond the same way with a photo copy of the attached checkThanksPat S.Customer Care Team SpecialistFifth Third Bank | Office of the President

[redacted] [redacted] *** [redacted] *** Date: March 29, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of the complaint you filed with the Revdex.comYour request was referred to this office for review and responseWe are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concernsA case was opened with our Dispute Resolutions Department on Saturday, March 24, 2018, to research your missing Automated Teller Machine (ATM) depositThe case number is [redacted] We also provisionally credited the checking account for $1,on Monday, March 26, This credit is available for your use while we research the claimThe provisional credit will either become permanent or be removed depending upon the results of our investigationYour checking account did not become overdrawn over the weekend, and no overdraft fees were chargedWe strive to resolve all investigations as quickly as possible and will communicate the results of the investigation in writing once our research is completeIf you would like to contact our Dispute Resolution Department to follow up on your claim, they can be reached at ###-###-####, Monday through Friday, a.mto p.m., and Saturday 8:a.mto p.m., ETWe strive to provide professional and accurate service, and I apologize for any inconvenience this 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

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

[redacted] [redacted] [redacted] *** Date: October 28, Accounts: [redacted] Regarding Your Platinum Credit Card Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning your Platinum Credit CardWe appreciate the time you have taken to document your thoughts and concerns, and sympathize with the difficulties you have experiencedWe completed our research for the Platinum Credit Card account ending in ***On June 17, 2015, you began the short-term hardship planThis plan was detailed in the letter that was sent to the address listed above on June 17, 2015, which I have enclosed for your records and reviewWe understand your concerns about the collection calls you receivedOur Collection Department begins making calls to customers when a payment is not received by the due dateThey are a failsafe Fifth Third Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reportingThey are certainly not intended to cause you any hardship or frustrationWe also completed a review of the payment history for the accountOn June 26, 2015, we received your payment in the amount of $Also, on August 28, 2015, we received a payment in the amount of $I have enclosed copies of these statements for your reviewThe enrollment letter that was sent to you also details the importance of making your minimum monthly payment, and if a payment is missed for two (2) consecutive months, your account will be removed from the planBecause we did not receive a payment for a sixty (60) day period, you were removed from this plan on August 26, Our review determined there was no Bank error in removing the account from the hardship planFor your information, you will be eligible to request hardship assistance for the account in March I am sorry for any additional frustration this may cause youWhen an account is enrolled in a hardship program, you agree to pay per the payment terms listed on the enrollment letterIn this case, the agreed minimum monthly payment due for the next twelve (12) billing cycles was $Because you were removed from the plan on August 26, 2015, the terms and conditions of the Fifth Third Card Agreement apply to the account, including the calculations for the minimum payment dueFor your information, your next payment is due November 12, 2015, in the amount of $I have also enclosed a copy of the Fifth Third Card Agreement and this statement for your records and reviewPlease note we attempted to contact you regarding the payment due for your account at the phone number on file with the Bank, but were unable to reach youHowever, our records indicate that you called the Bank on July 31, 2015, to inquire if a $payment would be acceptable on the accountI am sorry for any difficulties you may have experienced when you contacted the BankThank you for your patience while we researched this matter for 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, April QOffice of the President Pc: Revdex.com Enclosures: Statements, Enrollment Letter, Fifth Third Card Agreement

[redacted] [redacted] *** [redacted] *** Date: May 25, Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning your Fifth Third Bank installment loanWe appreciate the time you have taken to document your thoughts and concerns regarding our collection departmentOn behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused youIt was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this accountYour installment loan is considered past due for payment if we do not receive your total monthly payment by the due date indicated on your contractThe final calendar day of your grace period for the loan is not considered the due date for your payment obligationsThere is a ten (10) day grace period on the account, with a late charge assessed if the payment is not received prior to the end of the grace periodShould your loan become past due, your account may also be subject to derogatory credit bureau reportingPlease note that your installment loan is a simple interest loan, with interest accruing daily on the unpaid principalWhen we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last paymentThen we apply the remaining funds to the unpaid principal balanceYour payment habits affect the amount of interest you pay over the life of your loanIf payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of your loanBecause less of your payments were applied to the principal balance, there may be a larger final payment due to the additional accrued interestPlease find enclosed a copy of your installment loan payment history for your recordsThis reflects a variance in the amount of principal and interest paid each month depending on the payment dateOn May 19, 2011, you agreed to a sixty (60) month term installment loanYour first payment was due on July 3, Your loan maturity date is June 3, It should be noted, the Bank provides you with fifty-nine (59) couponsThe final payoff of the loan is unpredictable and unknown until the second to last payment is receivedThe Bank automatically sends out a final bill during the month prior to the maturity dateOnce we have received the final payment for an installment loan, the lien for the vehicle will be released within ten (10) business daysEnclosed is a payment breakdown of the payments received for your installment loanThe payment breakdown shows the fifty-eight (58) payments you have made on your installment loanThe breakdown also indicates a principal balance of $remains on your loanFurthermore, you have $in unpaid fees on the installment loanFor your records, your loan payoff as of May 25, 2016, is $This payoff includes the principal balance, fees, and unpaid interest on the loanPlease note, there is an additional $interest accruing dailyIf after your review the enclosed documents you find that the account is incorrect, please forward details regarding the incorrect information to the following address: Fifth Third Bank Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH Alternatively, you can fax this information to my attention directly at ###-###-####If you would like to contact the credit bureaus directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We value your relationship with Fifth Third Bank and appreciate the opportunity to respond to this matterIf I could be of further assistance to you, please call me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Patrick S.Office of the President PC: Revdex.com Enclosures: payment breakdown, payment history, security agreement