PROCORPSA

[redacted] ** [redacted] *** [redacted] *** Date: August 31, 2016 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted] **: We received a copy of the complaint you filed with the RevDex.com regarding your... mortgage loan. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On July 9, 2014, you applied for a mortgage loan utilizing your property at [redacted] ***, [redacted] , [redacted] as collateral. Your mortgage refinance was approved, with your first payment scheduled for October 1, 2014. The parcel number for this property is [redacted] . Our research has confirmed that the Bank has paid your property taxes, with the most recent payment being made to [redacted] County on July 8, 2016. The next tax payment is scheduled for March 1, 2017. In your complaint you state the parcel number associated with the delinquent property taxes is [redacted] . Please note, our research was unable to locate a mortgage loan and/or an escrow account for the property located at [redacted] ***, in [redacted] , ***. Therefore, the Bank is unwilling to reimburse you for property taxes and penalties associated with this property. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: RevDex.com

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint Once I hear back from Fifth Third regarding this, I will close the case.I would like to know why Fifth Third is the only bank that I have ever banked with where they don't go by when the ACH was actually provided? Why is it that they always, and I truly mean always, go by the largest ACH to the smallest to make sure they collect on fees from their customers instead of doing the ethical thing and go from smallest to largest? Even when the prior days pending transactions are shown in correct chronological order, they get sorted to show largest to smallest the next day when everything posts I've talked to several other local and regional banks and no one else does it this way when I ask This has never been an issue until the last few years with Fifth Third and it seems to be a way to make sure they have expanded revenues on the backs of their customers How many other customers have been hit with $overdraft fees for $and $checks when if they would've taken smallest to largest, would have minimized the impact to both the customer and the bank? If the executive management teams really cared about improving customer satisfaction, this would be your number one area Regards, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaintMy father gave them the correct bank information over the phoneThe companies representative didn't enter it into their system currentlyThis caused the issue with September's payment and October's payment Regards, [redacted] ***

Revdex.com: My attorney and I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint The owner of my local [redacted] Insurance branch personally wrote the bank a letter yesterday July 21,and faxed it immediately which directly showed I did indeed have full comprehensive and collision insurance from March-MayI sent a full payment to Fifth Third Bank yesterday despite the fact that my insurance agent sent this letterMy grandmother (co-owner) was told they could still repossess my car despite the fact I had paid cash through same day delivery [redacted] ***, because, it takes them up to days to do their job and clear it from the system and if the car was picked up in that time I would have to pay an addition $400-$in tow fees to get my car back even though it was their end not working fast enoughThey will be given one last opportunity to correct the mistake and apply the money recieved from me($1,500) which included payments at the bank's inflated rate for insurance through [redacted] yesterday to my future loan payments and all payments returned to the original contract price at the purchase date Regards, [redacted] ***

[redacted] [redacted] *** [redacted] *** Date: December 4, Account: [redacted] Regarding Your Mortgage Loan Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning your mortgage loan We appreciate the time you have taken to document your thoughts and concernsWe completed a review of the mortgage loan account ending in ***The current loan-to-value for the account is 84.8%I have enclosed a copy of the Private Mortgage Insurance (PMI) Disclosure from the loan closing for your convenienceAs this document indicates, you have the right to request the PMI be cancelled on or after the date the principal balance of your loan is first scheduled to reach or actually reaches 80% of the original value of the propertyThe original value means the lesser of the contract sales price of the property or the appraised value relied on by the lender to approve the loan, in this case, the contract sales price of the property was the lesser of the two, which was $495,Please note the principal balance of your loan is scheduled to reach 80% on June 1, In addition, if you are current on your loan payments, PMI will be automatically terminated on the date the principal balance of your loan is first scheduled to reach 78%, which is June 1, For your information, as of December 1, 2015, the principal balance of the mortgage loan is $419,Once the conditions have been met, per the PMI Disclosure, you may submit a written request to cancel the PMIThis request should include your full name, your full account number, a brief request to have the PMI removed from the escrow account, and your signatureOn November 9, 2015, we received your request for a reappraisal of the property, in the interest of removing PMI from the mortgage loan, and the enclosed appraisal consent form was sent to youIt should be noted that the loan-to-value criteria with a reappraisal request does not follow the same guidelines as the PMI removal based on the original value as outlined above, and the qualifications for PMI cancellation with a reappraisal of the property varies by investorIf you choose to move forward with the reappraisal of the property, in order to remove PMI, the loan-to-value must be at 75.00% or belowI am sorry for frustration this may cause youThank you for your patience while we researched this matter for youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, April QOffice of the President Pc: Revdex.com

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 Although you all reopened my account I am not okay with you all making it like I did this onMy account! I never allowed my account to get negative That was fraud online loan companies that withdrew money when I never received a loan Regards, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint [redacted] This is [redacted] I just got off the phone with youI am rejecting the business's response because they completely disregarded the fact that their representative misled me by asking me to withdraw my money from my account and get a money order insteadWhich is the real reason why my check could not clearIf I had left the money in my account like I was planning to then we will not be hereThe problem is not really about the automatic bill payAll I am asking for is to be refunded the $ my landlord is charging me for the check not going throughThank you again for your time!

[redacted] *** [redacted] *** [redacted] *** Date: March 13, Account: [redacted] Regarding Your Essential Checking Account Dear [redacted] ***: We received a copy of the complaint you field with the Revdex.com concerning your Essential Checking accountWe 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 satisfactionIn response to a promotional offer that you received, you opened your Essential Checking account on our website at 53.comThe account was opened on November 2, The promotional offer you received was for a cash bonus of $300.00, which would be paid to you upon opening a Fifth Third Essential Checking account with deposits of $or more, and maintaining a $minimum balance for ninety (90) daysAccording to the promotional offer, the $cash bonus would be deposited into your account within ten (10) business days after the qualifying activities were metAlthough you met all of the qualifying activities to receive the $cash bonus, the cash bonus was not provided within ten (10) business after the qualifying activities were metThis is because the code specific to your offer was not populated when the account was openedTo resolve this matter, on March 8, 2018, your account was provided with the $cash bonusIf I could be of further assistance to you, please call me at 513-358-or toll free at 866-360-5353, Monday through Friday, a.mto p.m., ETSincerely, Adam P.Office of the President

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint Regards, [redacted] Sirs,Revdex.com.Dear Sirs, my name is [redacted] and my ID [redacted] By this mean I am responding to your letter of March 29, 2016.It has been impossible for me to get an agreement with the Fifth Third Bank.The truth is I do not want to maintain these indefinite exchange of arguments that lead to no solution.I conclude that the bank does not want to take into consideration the current value of the propertyTherefore, I want the bank to be very concrete and respond with absolute clarity to the following questions:1) How much is the amount of the debt right now?2) In what category is the property classified by the bank?3) Why is the property not repossessed by the bank if it considers that the property is valued $45.000, and I have told them repeatedly that I am not able to finish paying for it?4) Is it possible that the bank approves a loan without having a a collateral?, and if the bank took my credit capacity as a collateral, then what else does the bank want provided that my credit is completely destroyed?, and has been for years.5) What is the next action the bank wants to take against meIt is important that I know because things can not continue like this forever, especially since there are taxes involved in this matter.Thank you very much for your attention.Sincerely, [redacted]

[redacted] [redacted] ** [redacted] *** Date: April 4, Account: [redacted] Regarding Your Essential Checking Account Dear [redacted] : We received a copy of the follow up letter you sent to the Revdex.com concerning your Essential Checking accountWe appreciate the time you have taken to express your concerns regarding this matterWe initially received a copy of this complaint on March 20, We received a copy of your follow up complaint on March 29, However, we stand by the response conveyed to you in the previous letter sent on March 28, I have enclosed a copy of that prior correspondence for your reviewAlthough we regret the issues you experienced, and although we empathize with your situation, we will not reverse additional overdraft fees that were assessed to your accountWe feel that the resolution we have previously provided is sufficientWe regret any inconvenience or frustration this might cause you; however, our position on this matter has not changedIf 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 PC: Revdex.com Enclosure (1): Previous Response Letter

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and would like to respond to the response from Shawna at Firth Third BankThe note that was included with the checks was of loose leaf size paper and all checks were wrapped inside of the note so to say no one bothered to take the note out of the envelope is really covering up for a more serious problem within that departmentThey had to take the paper note out of the envelope and unwrap it in order to see all checksAlso, my bank corrected the problem after I called them and made them awareThe duplicate payment clearly showed on my checking account statement and that is how I was made aware of the errorFortunately, I did not send out checks to pay bills during this time or there would have been bounced checksAgain, Fifth Third needs to own it and not make excuses Regards, [redacted]

[redacted] *** [redacted] [redacted] *** Date: May 5, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted] ***: We received a copy of the RevDex.com complaint filed by your sister, regarding your checking... account ending in ***. We appreciate the time she has taken to express her concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience these matters may have caused you. It is certainly not our intention to cause you any hardship. Fifth Third Bank takes claims of discrimination very seriously and does not service customers based on race, color, religion, national origin, sex, marital status, age, disability, familial status, or the receipt of public assistance. Customer service is of the utmost importance to all of us at Fifth Third Bank. Fifth Third Bank takes protecting financial and personal information very seriously. I confirmed that our Disputes Department opened a case on March 31, 2016, because you stated that your checking account was opened and accessed without your authorization. The case number is [redacted] . While we strive to resolve all investigations as quickly as possible, please allow up to sixty (60) days for the investigation to be completed. Final written confirmation will be sent to you from the Disputes Department. In addition, the Disputes Department will submit any necessary updates to the credit bureau reporting agencies. If you would like to follow up with them directly, they can be reached toll-free at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. We strive to provide professional and accurate service, and I apologize for any inconvenience this may have caused you. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J.Office of the President

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 Regards, [redacted]

[redacted] ***Date: July 10, 2015Regarding Your Bank Owned Home PurchaseDear [redacted] :We received a copy of the letter you sent to the Revdex.comWe 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 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 page five (5), paragraph twelve (12) of the purchase contract for the property located at [redacted] ***, the items that the Seller, in this case Fifth Third Bank, is obligated to repair or replace may be inspected by a person who specializes in and holds an occupational license (if required by law) to conduct home inspections or who holds a [redacted] license to repair and maintain the items inspectedThe Seller is only obligated to make such general repairs as are necessary to bring the specified items to working conditionI have enclosed a copy of the Residential Contract For Sale And Purchase for your review.Fifth Third Bank paid to repair the well located on the property to restore it to a working condition sufficient to satisfy a home inspectionTherefore, the Bank is unable to reimburse you for any expenses paid for additional work performed on the wellWe regret any inconvenience or frustration this may cause you.If I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted] , Monday through Friday, a.mto p.m., ET.Sincerely,Adam P.Office of the PresidentPc: Revdex.comEnclosure: Residential Contract For Sale And Purchase

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 By siding with the employee and that employee doing something illegal toward a customer and firing said employee, Fifth Third has set a president that it does not value the safety of it's customers above everything elseIn fact by not firing the employee responsible for the illegal act of shutting down my card without my knowledge or notes in their own system, the company is saying that there are no consequences in our organization for fraud and that customer is not always right in fact never rightDue to this, I have only fear of talking to their outsourced customer service to the point where I can no longer call or argue with customer service because the company says that if another illegal act of shutting down my card were to happen then there would be no repercussion, furthermore, you need to fear our employees who can do no wrong in our eyesSo I am basically not able to communicate with customer service or disputes anymore out of pure fear Regards, [redacted] ***

Per phone call from [redacted] : The business has resolved my complaint.Thank you, [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 Regards, [redacted]

Hello: We have addressed [redacted] concerns regarding the scheduling of payments in our previous two (2) responses Because the card is revoked, he is not able to make payments to his credit card through our online system, or Auto BillPayerHe may set up automatic payments with our collection department; however, the collection department, per their procedures, will not accept more than four (4) paymentsI have attached our prior responses to this email Because there are no additional concerns being addressed by the customer, we stand with our previous responsesThanks Pat S.Senior Consumer Resolution SpecialistFifth Third Bank | Office of the PresidentKingsley DriveMD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### Fax: ###-###-####Email: [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint I was never informed about being kicked out of the program You claim I said not to call me, that is untrue, I asked you not call my home number but my cell phone [redacted] Numerous late fees without being informed that I was no longer in the program is not fair I was never sent anything that stated I was being kicked out of the program I only was informed after months when I noticed my balance not going down Even if I can't continue with the program I would like to be refunded for the unfair late fees Regards, [redacted]

[redacted] *** Date: January 11, Account: [redacted] Regarding Your Checking AccountDear [redacted] : We received a copy of the complaint filed with the Revdex.com concerning a recent deposit made at a Fifth Third Automated Teller Machine (ATM)We appreciate the time you have taken to document your thoughts and concerns regarding this matter.We would like to offer our sincere apologies for any inconvenience this matter may have caused youPlease be assured that Fifth Third Bank takes your feedback regarding your experience very seriously, and I have contacted the relevant parties to pass on your concernsWe strive to provide professional and accurate service to our customers, and I regret if the service you received did not meet the same high standardPer your complaint, on December 28, 2015, you made a $check deposit into an ATM located at our [redacted] Banking CenterWhile the transaction was still being processed, the ATM shut downWhen the machine came back online, your card was not returned and your checking account did not receive the credit for the $depositAccording to the manager from the [redacted] Banking Center, your card was retrieved from the ATM and given back to you on December 30, Also on December 30, 2015, a dispute was filed for deposit transactionWe began an investigation and on December 30, 2015, your checking account was given provisional credit of $while we researched your disputeThe investigation into this matter is still ongoingWe will have a final determination no later than February 12, If the ATM dispute is found to be in your favor, the $credit will remain in your checking accountIf your dispute is denied, the $credit will be removed from your accountYou will receive notification from our disputes department as soon as their investigation is finalized It was certainly not our intention to cause you any hardship and we appreciate your patience while we reviewed this matterI would like to assure you that we are diligently researching your claim and using every resource to finalize your dispute as quickly as possibleWe value your relationship and look forward to fulfilling all of your financial needs for years to comeIf I could be of further assistance to you please call me toll free at ###-###-#### or directly at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely, Lisa S.Office of the President Pc: Revdex.com

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint There was no reason to the bank to continually resubmit payment to generate more fees, these were not charges, they were payments form my account hta ti initiated, they could have simply called me and asked if I wanted to postpone the payments, but they kept resubmitting to generate as many fees as possibleTheir process is flawed and set up to get as much out of their customers in fees as they possibly can Regards, [redacted]