PROCORPSA

I would like some money back - On February I had got loan from third bank for an automobile Loan was in the amount of $ 19, I was to make my first payment /6/I had contacted the bank about automatic paymentsI was told they needed a cancelled check I then told them I have not had a check in yearsShe said well you can make a payment on line at no chargeI said great that till give me a month to go to the bank and get checks I had made my payment so I would not be late for my first paymentI then noticed that third bank had taken the payment of on the due date after I had already made the payment When they took out the second payment it caused overdraft fees on my accountAfter a week or so I finally got my money back on the double payment and the overdraft fees When third bank called to notify me they are sending me a check for the overdraft fees $ I had found another bank with a lower interest rate so I then started to proceeding of changing my loan to another bank Original loan 19, Payment first monthly payment Balance 19, [redacted] PAY OFF 19,Difference of [redacted] called the auto pay off line and stated the payoff was 19, When third bank called me stating it was error on their side they will refund my $by check but I still had a balance of I asked how this could be third bank is telling me that the payoff amount that [redacted] got was when payments were made which would have been plus –that equals Original loan amount 19,third bank is stating the payoff amount that [redacted] got was because of the payments they took if that was the case it was lower than 19,Two payments they are saying minus Should be 19,which is not 19, I am very unhappy with the way this has been handled I had contacted third bank for several weeks starting 3/18/when I wanted to set up auto payments I called Felecia at ###-###-#### starting 4/13, 4/14, 4/15, 4/18, 4/20, 4/21, 4/22, 4/25, 4/26, 5/6, 5/9, 5/10, 5/During this time frame she stated that I was being charge finance charges I was told she would reverse the charges due to the fact she had to research to see why I had a balance and what was going on Also stated that this would be taken care of before the May 6th payment Then she called me and told me that when she tried to reverse in system It was only When should have been or so I do not understand how they figure I still owed over I can see the amount of clearly but not as they state You can clearly see it in the numbers from the original amount I financed minus the one payment I would appreciate any and all help with this situation If anyone would like to contact me on this matter please do ###-###-#### Thank you [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 faxed a copy of the check I sent the last week of May to Fifth Third after speaking to one of their representatives the week of the 15thIt was not posted to my account so I called to check on the mannerAt this time I was the one who notified them of the error of another person's money being posted to my accountThere are recordings to represent this conversation through fifth thirdAlso, it is my understanding according to the law, fifth third can not hold a Lien release after cashing the payoff check my bank sent themThey have cashed itI have sent them a check in the mail for the "remaining balance" to keep my credit from being affectedI have A+ Credit with nothing to hideI pay my billsPlease inquire about the recordings they have and the copy of the check I faxed to 513-358-with the reference number of I also inquired about a name change considering my name was spelt wrong at the time and automatic paymentsI was told on the 16th the copy of the check was not sufficient after being told it would be the prior dateMy husband was told my a different represtative out check was returnedI verified this with my bankNothing was taking out of my account, which had in it at the timeI believe that was a sufficient amount to pay the bill Regards, [redacted] ***

[redacted] *** [redacted] [redacted] *** Date: September 29, Account: [redacted] Regarding Your Cash Rewards MasterCard Account Dear [redacted] ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your Cash Rewards MasterCard 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 matterEnclosed is a copy of the promotional credit card offer that we mailed to you in June Included with the offer is a disclosure page with a section for fees that states there is a $or 4% fee for each balance transfer, whichever is greaterThe offer directs you to review the disclosures for fee informationI confirmed that you submitted your application for the credit card online, and you submitted your request for the $5,balance transfer to [redacted] online at the time of your applicationPlease note that before the application can be submitted online, customers must check mark a box that states they have read and agree to the terms and conditions for the accountA link to the terms and conditions is presented as well to ensure customers have access to review all the terms, including associated feesThe application and any requested balance transfers are not submitted to the Bank until the applicant selects the box that states they read and agree to the terms and conditions and then clicks the “submit” buttonI have enclosed a printed copy of the terms and conditions for the Cash Rewards MasterCard, which discloses the balance transfer feePlease note that the terms and conditions were updated on September 1, Also enclosed is a copy of the previous terms and conditions for the account that were issued on December 29, 2015, which was made available to you to view online at the time of your applicationThe balance transfer fee information has not changedI am sorry for the dissatisfaction and frustration you have experienced regarding the balance transfer fee totaling $As advised above, the fee was disclosed in the promotional material you received in the mail as well as in the Terms and Conditions you selected online that you read and agreed toFor this reason, we are unwilling to waive the balance transfer feeI apologize for any distress this may cause youI was able to review your phone calls to our Customer Service Department regarding the feeI verified that multiple employees told you the only way to submit a balance transfer is by talking to someone over the phone who is required to disclose the feeThe information you received is not correctCustomers are able to submit balance transfers online at the time of the application, which is how yours was completedCustomers can also complete balance transfers by mail if we sent them a balance transfer offer for a new or existing accountCustomers do also have the option to call the Bank to process a balance transfer, at which time the balance transfer information is provided verballyA Bank employee is not required to call you and disclose the fee when it is completed via mail or onlineYou did not call the bank to process your balance transfer; therefore, you would have needed to review the disclosure you received by mail or the terms and conditions presented to you onlinePlease be assured that I have contacted the relevant Bank personnel regarding the incorrect information you receivedWe received your $credit card payment on September 26, As of September 26, 2016, your credit card account is current and no additional payment is due for the September 28, 2016, due datePlease see page two (2), section eight (8) of the September terms and conditions to verify how your minimum payment due is calculatedWe 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: Promotional Credit Card Offer, Terms and Conditions (2)

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 read the letter Sarah S typed up trying to say Fifth Third was justified in their charging me $ She decided to not include the deposit that hit the account for on the same morning in question On Tuesday morning my account showed a positive amount for $when checked again at 9am my account showed a positive amount of So lets review Monday positive account Tuesday when all this got added and came out positive accountWednesday morning Fifth third says Monday account negative none of this happened on Tuesday and they should charge me $ Fifth Third is stealing my $and I would like it backI believe Fifth third was sued for this exact same issue a few years ago and lostFifth Third should not be allowed to change dates of when items are posted in order to charge fees I would like my $returned to me Regards, [redacted]

Please find below the text of the letter and a listing of enclosures being mailed to the customerThank you [redacted] [redacted] *** [redacted] * [redacted] *** Date: February 15, Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning your vehicle installment loanWe appreciate the time you have taken to express your concerns regarding this matterEnclosed please find copies of your loan payment history and noteIf after you 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 ###-###-####Please refer to page two (2) of your security agreement which provides you with information regarding late payments to your installment loanSpecifically, item fifteen (15) defines default as: [redacted] You do not make any payment on or before it is due; [redacted] You do not keep any promise you made in this Agreement; [redacted] You do not keep any promise you made to us in another contract, note, loan or agreement with us; [redacted] You made any untrue statement in the credit application for this Agreement; [redacted] You committed any forgery in connection with this agreement; [redacted] You die, are convicted of a crime involving fraud or dishonesty, or are found by a court with jurisdiction to do so to be incapacitated; [redacted] You file bankruptcy or insolvency proceedings, or anyone files bankruptcy or insolvency proceedings against you; [redacted] You take the Vehicle outside the United States or Canada without our written consent; [redacted] You use the Vehicle or Allow someone else to use it in a way that causes it not to be covered by your insurance; [redacted] You do something that causes the Vehicle to be subject to confiscation by government authorities; [redacted] The Vehicle is lost, stolen, destroyed or damaged beyond economical repair, and not fixed or found within a reasonable time; or [redacted] Another creditor tries to take the Vehicle or your money on deposit with us by legal processFurthermore, section sixteen (16) item b states: REPOSSESSION: We can repossess the Vehicle, unless prohibited by lawWe can do this ourselves, have a qualified person do it for us, or have a government official (by replevin) do it for usYou agree that we can peaceably come on to your property to do thisWe may take any other things found in the Vehicle, but will return these thing to you if you askIf you want these things back, you agree to ask us in a letter sent to us by certified mail within hoursIf you do not send us this letter, you give up any claim to these thingsYou agree that we may use your license plates in repossessing the Vehicle and taking it to a place for storageFor your convenience and review, we have enclosed a payment breakdown detailing the late payments on your installment loanOur review of the payment history determined that the installment loan was approved for Repossession on January 4, On January 4, 2016, your installment loan was due for the October 30, 2015, paymentThis made your installment loan sixty-six (66) days past due at the time of approval to repossess your vehicleThe Bank acted within the terms of your security agreement in attempting to repossess your vehicleAs noted on the enclosed payment breakdown, you made a $1,payment on March 16, This payment satisfied four (4) regular paymentsThe payment satisfied your November 30, payment (days late), your December 30, payment (days late), your January 30, payment (days late) and your February 29, payment (days late)On April 1, 2016, a $repossession fee was assessed to your installment loanYour loan was sent to our repossession vendor who received the fee for getting a positive resolution to your repossess orderSpecifically, the fee was provided to the vendor when you brought your loan currentOn July 5, 2016, your installment loan was referred for repossession a second timeAt the time of the repossession referral, your installment loan was sixty-five (65) days past dueAs you are aware, on August 25, 2016, your vehicle was repossessedAt the time of repossession, your installment loan was one hundred seventeen (117) days delinquentOn August 26, 2016, you made a $payment which satisfied your payments due April 30, 2016, and May 30, On August 27, 2016, you made a $payment which satisfied your payments due June 30, 2016, July 20, 2016, and August 30, It should be noted, your late fees and repossession fees on August 27, 2016, totaled $In addition to your monthly payments $of your payment were applied to the repossession fee assessed on April 1, 2016, and late feesThere were $in late fees still due on your accountOn September 16, 2016, a $repossession fee was assessed to your installment loanThis fee was assessed to pay the repossession company that was able to secure your vehicle on August 25, Our review of the payment history and fees assessed to your installment loan determined no Bank errorWe are unwilling to reverse any of the fees assessed to your installment loanAs of February 13, 2017, the amount required to bring your installment loan current is $1,This amount includes: Past Due Amount $ Repossession Fee $ Late Charges $ February 30, payment $ Total: $1,(-) Partial Payment -$ Total Due: $1,We have confirmed with the Collections Department that your installment loan does not qualify for hardship assistance at this timeHowever, if you would like to discuss any changes to your ability to make loan payments please contact our Borrower’s Assistance Department at ###-###-####, option A representative is available, Monday through Friday, a.mto p.m., ETThank 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 can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Note Payment History Payment Breakdown

This response does not directly address the negligence of the 5/staff in not sending my escrow money in a timely mannerThis also does not address the negligence of the 5/staff in failing to keep me updated, as promised, on the status of my escrow money and when I could expect to be receiving it, which was AFTER taxes were dueI should not have had to remove funds from my savings account in order to pay my taxes as a result of 5/3’s inability to function as a professional financial institutionFurthermore, I am quite perplexed why banker Ryan Vindicated in my initial call how he had received and had been working on numerous PMI removal requests as a result of the new market values receivedIf several customers were requesting PMI removals as a result of the new market values received, it would be reasonable to assume that it was due to the customer not meeting the required LTV at their initial appraised valueKindly clarify how it would make sense for MrVto process numerous PMI removal requests based on the new market values received if 5/chooses solely to go by the INITIAL appraised value? Wouldn’t it make more sense for the customer to be immediately informed that PMI cannot be removed based on a current market value? MrV looked up my information while we were on the phone and indicated that I met every credential for the PMI removalI need clear and concise reasoning as to why I was falsely informed by this bankerBased on MrV.’s statement, numerous PMI removal requests were being processed for numerous customers based on the market values received, unless MrVdecided to make a completely statement and further proceeded to falsely inform myself that I too, qualifiedIt appears to me that PMI removals were indeed being processed due to the current market values received for SOME customers and I require further understanding as to why this would be acceptable for some and not othersI have had nothing but negative experiences with 5/since AugustIf my issue was solely with one individual, that would be understood and isolated; however, given I have experienced multiple issues with multiple individuals, it is clear how 5/chooses to represent themselves as a financial institution

[redacted] [redacted] *** [redacted] *** Date: July 26, Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted] : The Revdex.com forwarded your additional comments and request for an overdraft fee reversal to Fifth Third BankWe strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectationsTwo (2) payments scheduled through our online banking service posted to your joint checking account ending in [redacted] on July 1, You indicated within your complaint that this was not your intention and that you received an error message when trying to select the account to be debitedAfter a thorough review of the online banking activity in question, we stand by our prior response provided on July 14, The payments in question were scheduled using the joint account holder’s online banking profileOn June 22, 2016, at 5:a.m., Central Time (CT) a one-time payment was scheduled to pay $to ** [redacted] on July 1, The funds were sent on June 29, 2016, and posted by the payee on July 1, On June 22, 2016, at 5:a.m., CT, a one-time payment was scheduled to pay $to [redacted] on July 1, The funds were sent on June 30, 2016, and posted by the payee on July 1, A payment posts to your checking account after the merchant processes itAny payment can be modified or canceled as long as you access the Service before the Bill Payment cut-off time on the Business Day the payment is going to be processedA “Business Day” is defined as Monday through Friday excluding Federal Holidays or as otherwise posted in the Banking CentersSome Bill Payments are made via check and some are made via electronic transaction (ACH)The Service will determine when to process the payment in order to pay your bill on timeIt is important to note that this could be up to three (3) Business Days before the payment is due to be paidA payment cannot be modified or canceled through the Service once it is marked as either “Paid” or “In Process.” I have enclosed a copy of the Digital Services User Agreement, which you agreed to when you enrolled in our Online Banking Service (“the Service”)It is possible to request that a stop payment order be placed on a payment marked as “In Process” by contacting Customer ServiceHowever, the ability to successfully stop the payment depends on how the funds were remitted to the payee and the elapsed time since the payment was processedIn addition, you may be charged a non-refundable stop payment fee of $for each requestWhile a time and/or date stamp is not visible on the screen shot you provided, we did carefully review your online banking activity and did not find evidence of bank error in the processing of the scheduled paymentsBecause the account balance was not sufficient to cover the transactions that posted on July 1, 2016, the Bank charged your account six (6) overdraft fees of $on the next business day, which due to the holiday, was Tuesday, July 5, Because you are a valued customer, $of the $in total overdraft fees were reversed on July 5, However, because overdraft fees were also reversed on April 7, 2016, and May 12, 2016, we are unwilling to reverse any additional fees at this timeIt is certainly not our intention to cause you any hardship and I apologize for your frustration regarding this matterPlease know that our executive management regularly reviews customer feedback as part of our commitment to improving our operationsIf 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 Services User Guide

I do not agree with anything in that letterWhen my wife closed the account on the 20th, the bank gave her the moneyThe account should have been closed on the 20th and all other debits from there on out declinedI am not going to pay the overdraft feesThis is not fair and I will not settle for anything less than the overdraft fees being taking awayThose fees would not exist if the account would have been closed as askedThis is just a way for to make moneyThe account should have been closed on 11/and no fees would've been charged

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 complaintPlease see attached documentationThank you Regards, [redacted] ***

[redacted] *** [redacted] *** [redacted] *** Date: April 15, Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Checking and Savings Accounts Dear [redacted] ***: We received a copy of your complaint filed with the Revdex.com regarding your checking and savings accountsWe 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 matterOn February 12, 2016, you made a $mobile deposit to your checking account ending in ***The deposit was returned as unpaid on February 18, Our Bank Protection Department reviewed your account and noticed that you also made a $deposit at an Automated Teller Machine (ATM) on February 10, This deposit was returned as unpaid on February 12, Due to the fact your accounts had two (2) returned deposits within the first thirty (30) days when accounts were opened, our Bank Protection Department recommended your accounts be closedEnclosed is a copy of the account closure letter that was sent to youPer our Bank Protection Department, checking accounts ending in [redacted] and [redacted] as well as your savings accounts ending in [redacted] and [redacted] were closedI confirmed with Financial Center Manager Brian Bthat on February 25, he opened new Express Banking accounts and a savings account for youHowever, prior to opening these accounts the proper authorization from our Bank Protection Department was not receivedAs a result, Bank Protection Department closed your Express Banking accounts on March 10, Due to the miscommunication, there was a series of attempts made to re-open and close your accountsUnfortunately, proper authorization was not received until March 15, in which your accounts were reopened by our Bank Protection Department [redacted] ***, we apologize for the difficulties you experienced while opening your new accounts with the BankWe strive to provide accurate and exceptional service, and I regret that was not your experiencePlease be assured customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations and customer servicePlease note due to the activity on your prior accounts, an exception was made to continue your relationship with the Bank by allowing you to open Express Banking accountsYou were informed of this decision by MrBand were provided new account material explaining the features and benefits of the Express Banking accountsIn addition, you accepted the terms and conditions for your new accounts by signing a signature cardAt this time we are unable to convert or reopen your closed Essential Checking accountsI apologize for the inconvenience this may cause youYou also requested that we provide you with the $credit that was promised to you at the time you opened your checking accounts on January 25, I confirmed that the Bank had a promotion at that time for new customers who opened checking accounts with the BankNew customers who opened checking accounts were eligible to receive a $bonus if the accounts met the following criteria: [redacted] Account must be opened with a $deposit [redacted] Account must receive a direct deposit of any amount within ninety (90) days of account opening [redacted] Must make three (3) online bill payments via Fifth Third Bank’s Online Bill Payment system within ninety (90) days of account openingI verified that you opened both of your Essential Checking accounts with a $depositYou also received a direct deposit in each of the Essential Checking accountsNeither checking account had any online bill payments processed from our Online Bill Pay systemHowever, your accounts were closed before the ninety (90) day timeframe endedExpress Banking accounts do not have access to our Online Bill Pay system; therefore, you have not had an opportunity to fulfill the online bill payment portion of the promotion requirementsHowever, in the interest of customer service, enclosed is a check for the $bonusPlease be advised this bonus may only be applied to one (1) checking accountWe 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 TOffice of the President Pc: Revdex.com Enclosures: Account Closure Letter, Returned Deposit Item Images (2), and refund check

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 complaintI have faxed a copy of bill with reconnect fees and all they keep doing is sending me letters asking for the same documentThey not attempting to resolve issue Regards, [redacted]

We still have not received the checkWe did receive an aplogy letter that stated the check was over nighted to us on 10/but it never arrived

[redacted] *** [redacted] * [redacted] *** Date: March 16, Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted] ***: We received a copy of the letter you sent to the Revdex.com regarding your vehicle installment loanWe 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 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’ satisfactionOn February 26, 2016, we received your loan payment of $This payment was originally not applied correctly to your loanWhen we discovered this error, we located your payment and applied it to your loan on March 11, Also on March 11, 2016, the payment was backdated to the date that the payment was originally received of February 26, Please be assured that this payment issue did not result in any additional interest accruing on the loanPlease also accept my sincere apologies for any difficulties you experienced when you previously contacted the Bank to resolve this issueWe strive to provide professional and accurate service to our customers, and we regret if this has not been your experienceIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Adam POffice of the President PC: Revdex.com

Dear Revdex.com, The response, provided by 5/Bank, in reference to complaint ID [redacted] is understood and accepted by me Please, consider this matter resolved Thank you, for your attentive assistance With Sincere Appreciation, [redacted]

[redacted] ***Date: June 15, 2015Account: [redacted] Regarding Your Checking AccountDear [redacted] :We received a copy of the complaint you filed with the Consumer Financial Protection Bureau and the Revdex.com regarding your account with the BankWe appreciate the time you have taken to express your thoughts and concerns regarding this matter.Your comments expressing less than quality service when you emailed the Bank and when you contacted the Banking Center and spoke with the Personal Banker regarding the closure of your account are very concerningPlease be assured we have researched the concerns outlined in your correspondence and have forwarded them to the appropriate personnel for further reviewAdditionally, we have received confirmation that the Bank made the decision to close your account ending in [redacted] with a scheduled closure date of May 11, 2015, and communication was sent to you at the address on file at that timeI apologize if you did not receive itHowever, when the Banking Center was unable to reach you over the telephone prior to the scheduled closure date, they extended the closure date to May 18, Unfortunately, they still did not hear back from you prior to the account being closed on May 18, 2015, so a check was mailed to the address on file for the remaining account balanceA copy of the letter sent to you at the above address, on April 30, 2015, regarding the account closure, is enclosed for your reference.It should be noted that we have also reached out to the Banking Center Manager, [redacted] regarding the situationShe advised that she had received her first (1st) call from you on June 2, It is our understanding that she advised at that time she needed additional time to research the possibility of placing a stop payment on the check that was issued to youAdditionally, she has advised that she left a message that same day advising that she did not have an answer regarding the stop payment and that she would call again on June 3, I apologize if this was not the case.I have confirmed that a new check was issued to you at the above address on June 4, If you have not received the check, please call me directly at the telephone number below and I will be happy to make arrangements for you to pick up the check at one (1) of our banking center locations.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., ET.Sincerely, [redacted] Office of the PresidentPc: Consumer Financial Protection Bureau; Revdex.com Enclosure: Account Closure Letter

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 They made no attempt to give me my money or the check back when I requested itThe bottom line is they held on to my money which is unacceptable & I am in the process of withdrawing all of my money from their bank and closing the accountThat is the resolution for meIt was a horrible experience Regards, [redacted] ***

[redacted] [redacted] ** [redacted] *** Date: January 13, Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted] : We received a copy of the follow up letter you sent to the Revdex.com regarding your vehicle installment loanWe 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfactionAccording to our records, the postal money order in the amount of $with serial number [redacted] and dated October 10, 2015, that you sent as payment for your loan, was received and posted to your loan on October 14, I have enclosed a copy of the postal money order with serial number [redacted] for your reviewIf you have documentation showing that any late payment received by the Bank was received before the loan was past due for payment, please send it to us and we can determine if the negative information that was reported to the credit reporting agencies can be correctedPlease send the requested documentation by mail to the following address: Fifth Third Bank Attn: Adam POffice of the President 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 reporting agencies directly, their contact information can be found below: ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### Please be aware that when your full minimum payment due does not post by the due date, your loan is considered delinquent and is subject to collection activityThe Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8:AM until 9:PM, including holidaysOur Collections Department may make several calls each day in an effort to inform you of the past due payment and make payment arrangementsPlease accept my sincere apologies for any negative experience you may have had when our Collections Department contacted you regarding your loanThese calls are only intended to make you aware that your loan is past due for payment and to make payment arrangements with youCalls from our Collections Department are not intended to cause you any hardshipIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Adam POffice of the President PC: Revdex.com Enclosure: Copy of Payment

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint The bank has stated that the disputed transaction is valid based on information supplied by the merchant I had several conversations with the bank's dispute department in which I pointed out that a charge may appear valid if my account was hacked I don't doubt that the evidence provided by the merchant appeared valid However, my wife submitted an affidavit stating that the transaction was not authorized by us Despite the information provided by us in the affidavit and my several telephone discussions with the disputes department, the bank has refused to work with us to resolve this issue and has put the burden on us to try and get our money back from the merchant directly I don't doubt that the bank is within their rights to deny us this claim I also don't doubt that the bank has the ability to fix this error It is clear to me that the bank has no interest in making this right for us despite months of telephone calls and a good faith effort on my part to provide the bank with sufficient evidence of the fraud we experienced Consequently, I have decided it is not worth the stress and frustration to pursue the matter further I have closed my account with the bank and will not do business with them again.To summarize, I would like to make the following points regarding this experience: By keeping our money at the bank, we put our trust in them to keep it safe They did not In the event that our money is not kept safe, we put our trust in them that they will make us whole They did not When communicating my concerns to the bank, I expect clear consistent communication on their part During this process I felt that the bank was using a different reason every time they told me they would not give us our money back The bank's final correspondence stated that they could still refund our money unless the charge is considered valid We stated unequivocally and on many occasions that the charges were not valid The bank has made it clear that they will not pursue the issue further despite our assertions I do not feel that they have made a reasonable effort to look after our interests Regards, [redacted] ***

[redacted] *** [redacted] *** [redacted] *** Date: November 16, Account: [redacted] Regarding Your Installment Loan Dear [redacted] ***: We received a copy of your additional rebuttal filed with the Revdex.com along with a copy of the Certificate of Liability Insurance faxed from your [redacted] Insurance agentWe appreciate the additional opportunity to research this matterAs advised in our previous responses, according to our insurance center, your comprehensive insurance coverage was cancelled on December 16, A new policy was written on March 30, 2016, that included comprehensive coverageHowever, the effective date for this policy was May 24, Subsequently, the Bank purchased insurance coverage, on your behalf, that was in effect from December 16, 2015, until May 24, In your most recent rebuttal, you claim that the certificate provided from [redacted] Insurance documents that you had comprehensive coverage on the vehicle held for collateral from March 30, 2016, until September 15, However, our insurance center called your [redacted] *** Insurance agent directly and was advised that there was not comprehensive coverage on the vehicle until May 24, Your agent stated that a policy was written on March 30, 2016, however, comprehensive coverage was not added until May 24, Therefore, the insurance policy that was purchased by the Bank was necessary and you are not entitled to a refund for any of the insurance purchasedThis is the same information that has been provided to you by the Bank previouslyOur response on this matter has not changedWe consider this issue closed and will no longer respond to you regarding his matterIf I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, [redacted] Office of the President Pc: Revdex.com

[redacted] Date: July 3, Account: [redacted] Regarding Your Mortgage Loan Escrow Account Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com regarding your mortgage loan escrow 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 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfactionOn November 18, 2013, you requested a payoff quote for the mortgage loan ending in 8118, and this information was provided to you via faxWhen a mortgage payoff is requested, a special block is placed on the mortgage account that prevents payments being made from the escrow accountWhen this block was placed on your account, it was not given an expiration dateBecause there was no expiration date on the block, it remained on the account and prevented the payments from the escrow accountPlease note the block was manually removed from the account on May 11, We regret the frustration and inconvenience this has caused youOn May 12, 2015, the Bank refunded $into the escrow account to reimburse you for the principal and interest that was assessed as a result of the payment not being made in a timely mannerAlso, per your request, we reanalyzed the escrow account on July 2, There was an escrow surplus in the amount of $1,209.79; these funds were returned to you via check on July 2, 2015, at the address listed abovePlease note, your new monthly payment in the amount of $is effective as of September 1, I have enclosed a copy of the corrected Annual Escrow Account Disclosure Statement for your records and reviewI hope this letter resolves your need and meets your satisfactionThank you for your patience while we researched this matterYou 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., ETApril QOffice of the President Pc: Revdex.com Enclosure: Annual Escrow Account Disclosure Statement