PROCORPSA

I have made numerous balance transfers with 0% interest for varying billing cycles and I based my understanding of how this works according to every other promotion of this type that I accepted from reputable companies in the pastThis is the first and only time I have encountered a system of this typeThe offer is misleading because it appears to make the same offer as most othersHowever, when the application is accepted, they give a different perception to the meaning of billing cyclesI will not agree that their explanation is fair, therefore, I have cancelled my account with them to avoid any other misleading attempts from themI will be careful of doing business with companies like this and maintain my business with the reputable companies that I have trusted in the pastI appreciate the Revdex.com for looking at my situation and making attempts to solve it

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint
Although I did finally receive the check and read the written apology, I am owed recompense, which demonstrates genuine regret, rather than lip serviceI will accept whatever is the amount of their smallest late charge for any of their productsIf that is what they expect from people who pay them late, I, too, feel I am justified in expecting it from them for the same failure of timeliness.
Regards,
*** ***

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*** ** *** Date: June 10, 2016 Account: *** Regarding Your Essential Checking Account Dear *** * * ***: We received a copy of the letter you sent to the Revdex.com regarding your
Essential Checking accountWe appreciate the time you have taken to document your thoughts and concerns. 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. On May 19, 2016, the beginning balance in your checking account was $On May 19, 2016, three (3) transactions posted to your account totaling $The ending balance in your checking on May 19, 2016, was negative ($96.06)Because your Relationship Savings account ending in is linked to your checking account for Overdraft Protection, on May 20, 2016, $was transferred from your savings account to your checking account to cover the checking account overdraft, and to cover the $12.00 overdraft transfer fee that was assessed to the checking account on May 20, 2016. When a savings account is linked to a checking account for Overdraft Protection, and if the checking account becomes overdrawn, funds equal to the total amount of the account overdraft plus the overdraft transfer fee of $are transferred from the savings accountAlthough the total amount transferred from your savings account to cover the overdraft included the amount needed to pay the $overdraft transfer fee that was assessed to the checking account, the $overdraft transfer was only assessed to the checking account once. A direct deposit was credited to the account on May 20, for $Because this deposit was not credited until the following business day, this deposit did not prevent your account from being overdrawn by the end of the day May 19, Per Federal Guidelines, we credit direct deposits the day they are received from the payer and do not have the ability to post deposits sooner to prevent an overdraft. Although the Bank typically only reverses an overdraft transfer fee if the fee is assessed because of a bank processing error, we are reversing the $as a courtesy to youTherefore, in the interest of customer service, on June 8, 2016, the $overdraft transfer fee was reversed and credited back to your checking account. *** ***, thank you for your patience while waiting for a responseWe truly value your business, and we look forward to continuing our banking relationship with youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Adam P. Office of the President PC: Revdex.com

*** ** *** *** *** *** *** ** *** Date: May 27, 2016 Account: *** Regarding Your Online Bill Payment Dear *** ** ***: We received a copy of your follow up complaint filed with the Revdex.comWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsPlease be assured that the relevant parties were contacted to express your dissatisfaction with the stop payment placed by our Fraud Department. I apologize that the stop payment notice automatically sent to you did not state that that the stop payment was placed on the payment to *** by our Fraud DepartmentPlease be assured that Fifth Third Bank takes comments regarding lack of communication and inadequate customer service very seriouslyAdditionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction. Since the payment of $1,to *** via 53.com was scheduled and issued on April 4, 2016, our Fraud Department was unable to prevent the payment to *** from being issued. However, this payment still appeared on our Fraud Department’s suspicious activity report for the reasons listed in the letter sent to you on May 12, 2016. Our Fraud Department followed proper procedures and guidelines concerning your online payment to ***Per bank policy and procedure the call recordings you have requested cannot be providedWe sympathize with the difficulties you encounteredWe have credited your checking account ending in *** for the $charge assessed by *** for the failed payment. We understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience this matter might have caused youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.m. to p.m., ET. Sincerely, Elizabeth J.Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint My agent has continual provided a copy of the declaration page to the fax number you provided with fax confirmation stating recievedShe tried calling and they refused speaking to her telling her she must be a policy holder and refused to take the information from her or even confirm that they had recieved a faxIt's getting beyond RIDICULIOUS that you refuse to work with her and say you have not recieved itIt's clear you won't work with your customers to correct your mistakes as evident in your last response when I asked you to call the agent back because she denies ever telling you that I was not covered in March and April 2016! You need to call her back and straighten this outThat's your job! Not mine! I don't get paid to do your job so no I won't continually take off work to make phone calls and go into my agent's office yet again like I have done times in the last weeks! Call *** *** at *** *** to get the letter of declaration that she has said she faced numerous times and gets no verbal confirmation when she calls to request it! ###-###-####! Better yet give me an email address so that the communication can be kept track of and people will see I'm not just being a difficult customer and your company covers things up!
Regards,
*** ***

*** *** *** *** *** *** ** *** Date: August 19, 2016 Account: *** Regarding Recent Overdraft Dear *** ***: We received a copy of the complaint you filed with the Revdex.com regarding your Fifth Third Bank Essential checking
accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerningWe strive to provide accurate and professional service to our customers and I regret if this is not the level of service you receivedOn behalf of the Bank, please accept my sincere apology for any inconvenience or frustration this matter has caused you. If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account has a negative balancePlease note that we do not assess overdraft fees on pending transactionsFifth 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 day cut-off time as detailed in our Funds Availability Policy. Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are received. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. Fees and service charges in the order of the largest amount to the smallest amount. Debit card and Automated Teller Machine (ATM) transactions are time-stamped and are pre-authorized at the time of use, and will show as pending until they are postedBecause time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic Automated Clearing House (ACH) payments are batch debits that are not pre-authorized by usThese transactions do not include a time-stamp and will not show as pending during the dayChecks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized to be paid. I have enclosed a copy of our current Rules and Regulations for your reviewPage twelve (12) provides additional information regarding our overdraft calculation orderWe recommend that customers keep a ledger to track all transactions, including checks they have written, so that they can know if there are items that have not posted and can plan accordingly. An overdraft occurs when you do not have sufficient funds in your account to cover a transactionFifth Third Bank checking account customers have the ability to enroll in our two (2) overdraft related services, Overdraft Protection and Overdraft CoverageOverdraft Coverage allows a customer to access funds beyond the balance in their accountEffective June 11, 2010, per federal regulations, customers have the ability to oor opt-out of Overdraft Coverage for one-time debit card and ATM transactionsIf a customer opts-out, the card will be automatically declined if there are insufficient fundsHowever, if a customer opto Overdraft Coverage and allows their debit card to be approved beyond the balance in their account then overdraft fees may be assessed. Overdraft Coverage does not apply to checks and ACH paymentsIf a check or ACH payment is presented against your account with insufficient funds, the item may be assessed an overdraft fee, or returned and charged a $returned item feeOverdraft Protection is a service which links another deposit account or credit card to your checking accountIf you had insufficient funds in your checking account, and the available funds were in the linked deposit account or credit card, the funds would be automatically transferred from the deposit account to your primary checking accountPlease find enclosed a copy of the account statements and overdraft notices for the life of your checking account. Please also find enclosed a copy of the Overdraft Coverage form signed by *** *** on December 11, Mr*** opted-out of Overdraft Coverage, therefore, if there are insufficient funds at the time of an attempted card transaction then the card will be declinedIt should be noted, the customer does have the ability to change their Overdraft Coverage options at a banking center, online at 53.com, via mobile banking, and over the phone by calling ###-###-####It should also be noted, that opting out of Overdraft Coverage does not keep your checking account from being overdrawn due to checks and electronic bill payments being presented for payment during overnight processingAs the account holder, you are in the best position to know what checks and payments are outstanding on the account prior to being presented for payment. On Friday, July 1, 2016, the ending balance in your Essential Checking account ending in *** was positive $On Monday, July 5, 2016, twenty-one (21) debits posted to your checking accountThe two transactions that overdrew your account were both electronic ACH payments to *** *** for $107, and a $payment to *** ** ***The ending balance in your checking account was negative ($120.30)You were assessed two (2) $overdraft fees for the two (2) web initiated payments made on July 5, The fees posted to your checking account on July 6, 2016. On July 6, 2016, five (5) additional debit card transactions posted to your checking account for final payment from the merchantBecause you had opted-out of Overdraft Coverage, you were not assessed any fees for these transactionsThe ending balance in your checking account on July 6, 2016, was negative ($199.68). Your next overdraft occurrence happened on July 18, The beginning balance in your checking account was positive $Eleven (11) transactions posted to your checking account in the following order: ** 5/online transfer to Access card ending in *** $ 6.00 ** 5/online transfer to Access card ending in *** $20.00 ** 5/online transfer to Access card ending in *** $20.00 ** 5/online transfer to Access card ending in *** $20.00 ** 5/online transfer to Access card ending in *** $20.00 ** 5/online transfer to Access card ending in *** $17.00 ** 5/online transfer to checking account ending in *** $10.00 ** 5/online transfer to Access card ending in *** $10.00 ** 5/online transfer to Access card ending in *** $ 5.00 ** 5/online transfer to checking account ending in *** $15.00 ** Web Initiated Payment at *** *** $115.00 Please use the enclosed overdraft notice dated July 19, 2016, to verify that you were assessed a $37.00 overdraft fee for the $web initiated payment to NipscoYou were not assessed an overdraft fee for the ten (10) online transfers. Your most recent overdraft occurrence was on August 15, 2016, and August 16, Your beginning balance was positive $Twelve (12) debits posted to your checking account totaling $You were assessed one (1) overdraft fee for the web initiated payment to *** ***The $fee posted to your checking account on August 16, In addition three (3) debit card purchases totaling $posted to your checking accountYou were not assessed an overdraft fee for any of the debit card purchases. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides additional information related to the overdraft fees that were assessed to your account, and ways to track your balance to help avoid overdraft fees in the futureInformation regarding overdraft coverage options is also provided on the enclosed documentPlease feel free to contact me at the number below should you have any questions regarding the enclosed reference guide and account documentationI would be happy to assist you. After receiving your complaint, we reviewed the overdraft fees that have been assessed to your checking account and also the amount that has been reversed back into your checking accountOur research determined that $in overdraft fees have already been reversed within the Bank’s overdraft guidelines during the past twelve (12) monthsOur research was unable to uncover a bank error resulting in your checking account being assessed overdraft feesTherefore, the Bank is unwilling to reverse the remaining overdraft fees on your checking account. Thank you for your patience while we researched this matter for youYou are a valued customer, and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Consumer Financial Protection Bureau Enclosure(s): Rules and Regulations, Overdraft Solutions Document, Statements, Overdraft Notices, Overdraft Coverage Enrollment Form

*** *** *** *** *** *** * *** ** *** Date: September 29, 2016 Account: *** Account: *** Regarding Your Brokerage Accounts Dear *** ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com)
regarding your brokerage 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 matter. Please be advised that the Fifth Third Banks Securities Department has responded to you directly regarding your complaint about the commission fees assessed to your brokerage accountA copy of their correspondence is enclosed for your review. 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, Shawna H. Office of the President Pc: Revdex.com Enclosure: Fifth Third Securities Correspondence

*** *** *** *** *** ** *** ** *** Date: April 2017 Account: *** Regarding the Auto BillPayer Plus Payments for Your Mortgage Loan Dear *** ***: We received a copy of the complaint you submitted to the Revdex.com
regarding the Auto BillPayer Plus payments for your mortgage loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matterYour feedback is very important to us as it allows us to better understand how we can improve our service to you. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced regarding the Auto BillPayer Plus payments for your mortgage loan ending in ***We strive to provide professional and accurate information to our customers, and I am sorry that was not your experience. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the BankI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. After receiving your complaint, we listened to the recording of your call to the Bank on March 6, We determined that the information provided to you could have been clearer regarding the benefits of Auto BillPayer PlusTherefore, we reinstated your mortgage loan with Auto BillPayer PlusYour first bi-weekly payment of $will be withdrawn from your checking account on April 12, Please note that this amount includes the per-transaction fee of $which is the same fee paid by you in connection with this service previouslyIf you have any additional questions regarding the Auto BillPayer Plus payments for your mortgage loan, please contact Auto BillPayer directly at ###-###-####, Monday through Friday, 8 a.mto p.m., ET. I also wanted to help you understand how Auto BillPayer Plus works and how it benefits youAuto BillPayer Plus allows customers to automatically pay their Fifth Third Bank mortgage loan more frequently than once per monthAuto BillPayer Plus will automatically withdraw your mortgage loan payments pursuant to a specific schedule and apply monthly payments when they are dueIn your case, you have a bi-weekly scheduleBi-weekly payments help you to save interest on your mortgage loan and allow you to pay off your mortgage loan earlySince there are fifty-two (52) weeks in the year, that equals twenty-six (26) payment withdrawals, or thirteen (13) full payments per yearThe extra payment amount is applied to the principal balance on your mortgage loanBecause of the extra principal payment, the principal balance is paid down at a quicker rate than it would be if just the minimum monthly payment was madeLowering the principal balance at a faster rate accelerates the property’s equity, or how much of the property you ownAdditionally, lowering the principal balance at a quicker rate means that you are paying less interest over the life of the loan than you would have otherwise. It was certainly not our intention to cause you any hardshipI understand that you requested to have the $Early Mortgage Payoff Program (EMPP) enrollment fee previously paid in reimbursed to you because you believed Auto BillPayer Plus was not benefitting you the same as EMPPAuto BillPayer Plus is a replacement for EMPP and you are receiving the same benefit with Auto BillPayer Plus that you received with EMPP, we are unable to refund the $EMPP enrollment feePlease also note that there was no fee assessed when your mortgage loan was transitioned from EMPP to Auto BillPayer Plus. Thank you for your patience while we conducted our researchIt is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with usIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my complaint
Regards,
*** *** 11/15/ 1:46PM.I would like to know when MsDsent this response I have tried twice today to get in touch with no avail

*** *** *** *** *** *** ** *** Date: February 22, 2016 Account: *** Account: *** Regarding Your Fifth Third Bank Checking and Savings Account Dear *** ***: We received a copy of the complaint you filed with the RevDex.com, concerning your new accountsWe appreciate the time you have taken to express your concerns regarding this matter. Your comments expressing less than quality customer service are very concerningAt Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customersWe sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to usFeedback like yours helps us identify problems and improve the level of service we provide to our customersPlease be assured that the managers at the *** Banking Center have been contacted to express your dissatisfaction with the service you received. Fifth Third Bank did offer a $promotional cash bonus for new accounts opened in April 2015. The promotion required a $or more direct deposit into the new account within the first sixty (60) days of the account opening dateThis information was stated on our distributed promotional mailers. On April 2, 2015, you visited the *** Banking Center and opened an Essential Checking account, Access card, and a Relationship Savings accountEnclosed please find copies of all the checking and savings account statements generated for your new accountsPlease note, the first direct deposit was received on July 31, 2015, which was not within the first sixty (60) daysTherefore, the Bank is unwilling to credit your checking account with the promotional cash bonus. I am sincerely sorry you feel that you did not receive your debit card or checks in a timely manner. Your checks for this account were shipped on April 15, I have verified a debit card was reported lost in the mail by you on April 15, 2015, and a replacement card was reordered that same dayYou activated your new debit card on May 8, 2015. In researching your savings account activity, please note the two (2) withdrawals on April 16, 2015, which resulted in the account ending with a zero balanceThe account maintained a zero balance for forty-four (44) daysOn June 1, 2015, the zero balance remained on the account, and the savings account was systematically closed. 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 PolicyCash, Direct Deposits and Wire Transfers are available the business day we receive the deposit. Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are received. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. Fees and service charges in the order of the largest amount to the smallest amount. Please note, an overdraft fee is charged to your checking account the following business day after an overdraft occurrenceThe Bank does send an overdraft notice to the customer, alerting them to possible fees being assessed to their checking accountI have enclosed copies of the overdraft notices sent to you regarding your checking accountPlease use these notices as verification that your transactions posted per the Bank’s transaction guidelines. I have enclosed a copy of our current Rules and Regulations for your reviewPage twelve (12) provides additional information regarding our overdraft calculation orderPage seventeen (17) provides additional information regarding transaction cut-off timesPage eighteen (18) provides additional information regarding the funds availability for transactionsWe recommend that customers keep a ledger to track all transactions, including checks they have written, so that they can know if there are items that have posted and can plan accordingly. You can avoid overdraft situations by always making sure you have sufficient funds in your account to cover all of the debits you makeWe have services available to help you keep track of your account balance and the money you have spentThese include: * Logging on to 53.com * Using the mobile app * Text or email alerts * A Fifth Third ATM * Calling ###-###-#### * Visiting a banking center For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Customers that provides additional information related to the overdraft fees that were assessed to your account, and ways to track your balance to help avoid overdraft fees in the futureInformation regarding overdraft coverage options is also provided in the enclosed documentPlease feel free to contact me at the number below should you have any questions regarding the enclosed reference guideI would be happy to assist you. Thank you for your patience while we researched this matter for youYou are a valued customer, and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.mto p.m., ET. Sincerely, Sarah S. Office of the President PC: Revdex.com Enclosures: Statements, Overdraft Notices, Rules and Regulations, Overdraft Solutions

*** *** *** *** *** *** ** *** Date: March 28, 2017 Account: *** Regarding Your Truly Simple *** Account Dear *** ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding
your *** 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 matter. I was able to review your conversation with our Auto BillPayer (ABP) Department on February 14, 2017. You requested to sign up to have ABP automatically draft the minimum payment due for the account on the due dateUnfortunately, the representative with whom you spoke provided incorrect informationShe advised that the payment due on February 15, 2017, was zero ($0.00); however, the payment due was $Additionally, she advised that ABP would process the March 15, 2017, payment if the ABP authorization form was received timelyHowever, she did not advise of a specific timeframe or deadline by which we needed the form in order to make the March payment automaticallyI was also able to review a portion of your phone call to the Bank on March 20, The first (1st) representative you spoke to advised she waived the late payment fee from your accountI reviewed the account and confirmed that no fee waiver took place. Please note that ABP cannot process automatic payments until they receive the completed authorization formABP processes the payment after receiving the account statement that lists the next payment due dateFor the first (1st) payment to process, the form must be received before the credit card’s statement cycles for the next payment dueYour statement cycles on the eighteenth (18th) of the monthIn order to pay the March 15, 2017, due date, ABP needed the authorization form back by February 16, 2017. Because February 18, 2017, was a Saturday, the statement cycled on February 17, We received the form on March 1, 2017; therefore, ABP was not able to automatically pay the March 15, 2017, payment. I am very sorry for the incorrect and incomplete information you receivedPlease be assured that I have contacted the relevant Bank personnel regarding this matterBecause you were told no payment was due on February 15, 2017, I waived the $late fee that was charged to the account on February 16, Because you were advised ABP would process the March 15, 2017, payment, I also waived the $late fee that was charged to the account on March 16, Additionally, we have submitted an update to all four (4) credit reporting agencies to remove the thirty (30) day late payment reported for the February paymentPlease allow approximately thirty (30) days for the credit reporting agencies to update their reportingIf you would like to contact the credit reporting agencies directly, their contact information is listed below: ** Equifax ###-###-#### ** Experian ###-###-#### ** TransUnion ###-###-#### ** Innovis ###-###-#### I was unable to locate a recording of the agent you spoke to who provided a negative customer service experiencePlease know that we strive to provide accurate and best in class service, and it is my sincere regret that was not your experienceIf you can recall the name of the employee you spoke to and the date the call took place, I can complete additional research in an attempt to locate the call recording so that we can take the appropriate action. Please be advised that we do not issue emails to customers when the account is past dueI did verify that our Collection Department attempted to contact you multiple times using the telephone number on fileWe also issued the enclosed payment noticeAs you acknowledged in your complaint, you receive the credit card statements electronically onlyFor this reason, we did not mail a statement to you. However, you can review statements online at 53.comTo be notified when a new statement is available online, you must enable the alert to have an email sentYou can manage all alerts on 53.comIf you would like to remove statement suppression from the account to start receiving statements in the mail, you can do so at 53.comYou can also call our Customer Service DepartmentCustomer service is available to assist you Monday through Friday from a.mto p.m., ET, and on Saturday from 8:a.m. to p.m., ETIf you remove statement suppression, you can still view the statements online but you will also receive them in the mail. I confirmed that ABP will automatically make your payment due on April 15, 2017, for $You have already made this payment manually on March 20, If you do not want ABP to process another $payment on April 15, 2017, please contact the ABP Department at ###-###-####Auto BillPayer is available to assist you Monday through Friday from a.mto p.m., ETAlternatively, you can contact me directly using my phone number listed belowPlease note that ABP will process the minimum payment due on the due date regardless of any other manual payments made to the accountHowever, you can contact ABP to cancel a payment from processing. 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, Shawna Hi.Office of the President Pc: Revdex.com Enclosure: Late Payment Notice

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint
*** *** Hello, I am sorry I have not been able to get service due to where I am working now, is there any way I can further this complaint since it has not been handled?

*** *** *** ** *** *** *** ** *** Date: December 21, 2017 Account: *** Regarding Your Mortgage Loan Dear *** *** ***: 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 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 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 satisfaction. Full monthly payment amounts are required before we can post a payment to your mortgageA full monthly mortgage payment includes your total principal and interest payment(s) due, plus your monthly tax and insurance obligations, if applicableFunds are applied in the following order: ** we pay your monthly payment due ** any remaining funds will be applied toward unpaid late charges or fees that may have been assessed on the account ** if you send funds in excess of your monthly payment amount and there are no unpaid fees, then those funds will be applied toward principal The way that the Bank applies mortgage loan payments is also explained in the Mortgage document, a copy of which was provided to you at loan closingFor your review and convenience, a copy of the Mortgage document is enclosedPlease refer specifically to page four (4) paragraph two (2). We have completed our review of the payment history on your mortgage loanOur review has determined that your mortgage loan payments to date have been properly applied. As you are already aware, and as is indicated on the enclosed copy of the Annual Escrow Account Disclosure Statement dated May 31, 2017, there is a surplus in your escrow account of $1,As is also indicated on the Annual Escrow Account Disclosure Statement dated May 31, 2017, if your mortgage loan is not in good standing, the surplus will remain in your escrow accountAt the time that surplus was discovered, your loan was not in good standingThis is why the surplus was not mailed to you. Although the mortgage loan payments were brought current on November 22, 2017, the surplus was not sent because the mortgage loan was past due when the escrow surplus was discoveredAlthough the loan payments were current from November 22, 2017, to December 1, 2017, the escrow surplus was not sent to you during that time because the surplus would only have been sent if the loan was current when the escrow surplus was initially discovered. We will not send any escrow surplus funds until the next regularly scheduled escrow analysis is performed in approximately two (2) weeksWe regret if this causes you any inconvenience or frustrationIf there is still a surplus in the escrow account when the next analysis is done, and the loan payments are current at that time, the Bank will send a check to you for any escrow surplus of $50.00 or more. Please also accept my sincere apologies for the level of service you received when you previously contacted the Bank regarding this matterWe strive to provide professional and accurate service to our customers and we regret if this has not been your experience. I also want to be sure that you are aware that, as of December 18, 2017, we have not received your mortgage loan payment that was due on December 1, In order to avoid any additional fees or negative credit reporting of the account, please be sure to send your mortgage loan payment as soon as possibleI also want to be sure that you are aware that, if you are having difficulty making your mortgage loan payments, the Bank offers payment assistance to those who qualifyFor more information, please contact our Loss Mitigation Department at ###-###-####, Monday, a.mto p.m., ET, Tuesday through Friday, a.mto p.m., ET. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Adam P.Office of the President Enclosures (2): Mortgage Document Annual Escrow Account Disclosure Statement Dated May 31,

*** *** *** *** *** ** *** *** *** *** ** *** Date: January 17, 2018 Account: *** Regarding Your Vehicle Installment Loan Dear *** ***: 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 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 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 satisfaction. Your loan contract states that you agree to have physical damage insurance covering loss of or damage to the vehicle for the term of the contractIt also states that if you do not have the required insurance, then the Bank may purchase physical damage insurance and advise you of the charge you must then payThe charge is added to the loan balance and increases the monthly payment. On August 25, 2017, our Insurance Service Center received confirmation that the vehicle insurance policy was canceled with an effective date of cancellation of September 17, Our Insurance Service Center did not receive evidence of insurance before the policy cancellation date. I have confirmed that our Insurance Service Center issued letters to you on September 19, 2017, and October 10, 2017, advising that we did not have evidence of insurance on file and that we would purchase a policy if we did not receive evidence of insuranceCopies of the letters are enclosedSince we did not receive evidence of insurance, we purchased an insurance policy on your behalf. The cost of our insurance policy, $1,757.00, was added to your loan on November 1, 2017, and your monthly payment amount was increasedOn November 15, 2017, the Bank received evidence of insurance so the insurance policy that we purchased was canceled and removed from the loan at that time. I have confirmed that you did not receive the letters from our Insurance Service Center because of a system limitation with the vendor that we use for insurance servicesBecause their system only permits a certain amount of characters on the address line, the final characters in a lengthy address are not includedThis is why you did not receive the insurance lettersPlease be assured that there is a process in place at the Bank to fix this issue so that it does not recur. Due to a misunderstanding when researching your concerns regarding your loan payments, the $payment from November 17, 2017, and the $loan payment from December 18, 2017, was reversedTherefore, the $600.00 payment that we received on January 3, 2018, was backdated to November 17, Since the payment reversal that was done in error resulted in a late fee of $13.13, the late fee was reversed on January 3, Your next regularly scheduled loan payment of $is due on February 22, 2018. I have also confirmed that there has been no negative credit reporting of the account that resulted from the late payment, which resulted from the loan payment being returned in errorThis is because the payment was not thirty (30) days late or morePlease also be assured that, the Bank does correct negative credit reporting when the negative reporting results from an error made by the Bank. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### As you may already be aware, your loan is a simple interest loan, and interest accrues daily on unpaid principalWhen we receive your monthly payment, we first apply the money to all of the interest that has accrued since your last paymentThen we apply the remaining money to the unpaid principal balanceAccording to my research into this matter, your loan payments are being correctly appliedI have also confirmed that, when force placed insurance is added to a loan, this does not result in additional interest being paid on the loan since interest is only applied to the original loan balance, as is indicated on the original loan noteFor verification that the loan payments are being correctly applied, I have enclosed a copy of the loan payment historyFor additional information about how loan payments are applied, I have enclosed a copy of the loan note. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosures (4): Insurance Letters (2) Loan Payment History Loan Note

*** *** ** ** *** *** *** ** *** Date: October 27, 2016 Account: *** Regarding *** *** Mortgage Loan Account Dear *** ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding
*** *** mortgage loan accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. The annual escrow analysis for this mortgage loan is processed in February of each yearEnclosed is a copy of the escrow analysisPer the enclosed analysis, there was a $escrow shortage at that time, which increased the monthly payment to $effective April 1, The shortage was spread out over twelve (12) monthsThe base escrow payment was $We added $to the $for twelve (12) months to cover the shortagePlease note that we are unable to process an escrow analysis for a loan that is in foreclosureThis mortgage loan was due for an escrow analysis in February However, the loan was in foreclosure at that time so no new analysis was processedThe shortage payment required for the analysis was only a twelve (12) month paymentTherefore, after the twelfth (12th) installment of the $shortage payment was due in March 2016, the $was removed from the monthly payment requirementBecause the foreclosure proceedings prevented us from completing the February escrow analysis, the monthly escrow payment effective April went back down to the base payment of $This was not an error; we could not complete the new analysis due to the foreclosure proceedings. You reinstated the mortgage loan in April Please note that a reinstatement quote includes all past due payments and applicable feesFor this reason, the reinstatement catches up all of the past due escrow payments owed because they are part of the monthly mortgage paymentAfter a mortgage loan is reinstated during foreclosure, we submit a motion to dismiss the foreclosureWhen we receive confirmation of foreclosure dismissal, the Escrow Department is notified on a monthly reportThe Escrow Department then utilizes the report to manually run a new escrow analysis if the mortgage loan is past due for the annual analysisThe foreclosure case on this mortgage was dismissed on June 3, We ran the new escrow analysis on June 30, The reinstatement quote cannot predict the existence of an escrow shortage that will be calculated on a future escrow analysisA copy of the June escrow analysis is enclosed for your reference. Per the June 30, 2016, analysis, there was a $4,shortage in the escrow accountPlease note that this is not a double billing for the escrow accountIt is the funds needed to have the necessary escrow funds to cover the projected tax and insurance payments for the next yearThe shortage also makes up any difference for what we actually paid for taxes and insurance the previous year versus what we projected would be paid the previous yearPages two (2) and three (3) of the analysis provided a month-by-month accounting of the escrow activity the previous year and the anticipated escrow activity for the next year. Please note that there was a large increase in the insurance premiumWe projected to pay $1,in April for homeowner’s insuranceThe actual bill we paid was $3,in March This was a $1,increaseAs a result, we need to collect the extra $1,we paid previously in addition to the $3,we project will be paid next yearThe new monthly mortgage payment effective August 1, 2016, after spreading the $4,escrow shortage out over twelve (12) months was $1,178.52. We completed a new escrow analysis on July 28, We spread the $4,escrow shortage over thirty-six (36) months to lower the monthly escrow payment requiredBecause the shortage was spread out over a longer period of time, the new monthly mortgage payment effective August 1, 2016, was $945.11. We cannot apply a payment to the mortgage loan until the total amount owed for the monthly payment per our systems is receivedAfter you reinstated the mortgage loan in April 2016, the account was due for $by May 1, Please note that the May payment was due before we completed the new analysis on June 30, We received $on May 27, 2016, which satisfied the payment due for May The next payment of $was due on June 1, We received $on July 1, 2016, to cover that paymentThe next payment due was $on July 1, We received $on July 26, 2016, to cover that payment. Per the escrow analysis we completed on July 28, 2016, the new monthly mortgage payment due by August 1, 2016, was $We received $on August 23, Because the payment was insufficient to satisfy the $due, we placed the funds into an unapplied stateWe received the remaining $owed for that due date on September 2, We combined the $and $82.11 together to make the full $payment on September 7, The payment was backdated to September 2, As of October 13, 2016, we have not received additional payment for the account. Based on the information outlined in this correspondence, there was not an error in Bank procedure regarding the escrow accountI am sorry for the dissatisfaction you have experienced regarding the escrow shortageAs of October 12, 2016, the mortgage loan is past due for the $payment that was due on September 1, 2016, and the $payment that was due on October 1, 2016. If you are interested in assuming this mortgage loan, please contact Jeri Mdirectly at ###-###-####She can advise of what documentation is needed. 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, Shawna H.Office of the President Pc: Revdex.com Enclosure: Escrow Analyses (3)

*** ** *** *** *** * *** *** ** *** Date: May 20, 2016 Account: *** Regarding Your Installment Loan Dear *** ** ***: We received a copy of the complaint filed with the Revdex.com regarding your auto loanWe appreciate
the time you have taken to document your thoughts and concerns regarding this matter. We regret the frustration you experienced when you contacted the Bank about the title for your vehicleAt Fifth Third Bank, we are continuously evaluating the service we provide to our customersWe sincerely value your feedback as it assists us in delivering first class customer service which is a priority to usIt is feedback like yours that helps in identifying problems to improve the level of service we provide to our customers. On April 25, 2015, you entered into an agreement for an auto loan in the amount of $28,575.56, using a *** *** *** as collateralThe vehicle was titled in the state of *** at the time the loan was openedOn page two of the enclosed Security Agreement, you agreed to pay all expenses for fees associated with maintaining the security interest in the vehicle. In the complaint filed with the Revdex.com, you state that you had to move to *** since you are in the military and will need to move to different states in the futureIf you move to a state that requires that you re-title your vehicle in that state, you will be charged a fee by our collateral venderI apologize if you were told otherwise, however, in the Security Agreement that you signed at the loan closing, you agreed to pay all license fees to maintain the collateralI have enclosed a copy of the Security Agreement with the related section highlighted for your review. *** partners with Fifth Third Bank to provide our auto loan customers various auto loan maintenance requestsIn order to transfer a car title that is held for collateral to another state, you must contact *** directly at ###-###-####, Monday through Friday, a.mto 8 p.mETYou may also submit your request online at ***.comThe cost for the new title will be $if ordered by phone or $if ordered onlineWe regret that you are not exempt from this fee even though you are in the military. Thank you for your patience while waiting for a responseOn behalf of Fifth Third Bank, I would like to also thank you for your service to our countryYou are a valued customer and we hope you will allow us to service your financial needs in the futureIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.m. to p.m., ET. Sincerely, Lisa S.Office of the President Pc: Revdex.com Enclosure: Security Agreement

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint
Regards,
*** *** Problem: I have already put in one complaint about this companyI have been
called every single day since Saturday when I spoke to them and told them that I will only be able to pay my a month, and they call me daily telling me I have no promise to pay them, and I do have oneI was told I was put on a do not call list for days and they phone has rung every day since thisI am tired of being harassed by this companyThey do not follow through on what they say they will and I am trying to do as I was and make my payments and I am being harassed every single day about thisThey argue with me about the amount and that is all that I can pay and the lady I spoke to last Thursday said that was find that I pay a monthI want them to stop harassing me, not only am I trying to pay them but they are still charging me late fees and upwards of a monthHow is a person ever to get caught up? This whole situation has been a mess and it is not my fault and I am the one paying in the end!Desired Outcome: I do not want to be called daily when my promise to pay is there and it will remain the sameI want the company to rectify their mistake! I will pay my because that is all I can afford and I was told that was fine LAST WEEK and I do not want to be harassed daily by collectors!

Date: June 14, 2017 Account: *** ***Regarding Your Transaction DisputesDear *** ** ***:We received a copy of the rebuttal you submitted to the Revdex.com regarding yourtransaction disputesWe appreciate the time you have taken to document your additional thoughts andconcerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may havecaused youI have enclosed copies of all of the merchant documentation as you requestedI am sorrythis documentation was not provided to you with our previous response.Thank you for your patience while waiting for a responseIf I could be of further assistance to you, pleasecontact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mtop.m., ET.Sincerely,Elizabeth D.Office of the PresidentPc: Revdex.comEnclosures: Merchant Documentation

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
Regards,
*** ***I still am not one hundred percent in agreement with them paying that moneyBecause the letter that was fax to the company saying that it was a court order look falseAnd this company is known for.fraudulently making papers look legal to get moneyNow the release letter was suppose to be sign by a judge but it was notIt had a assist judge stamp on this anyone could have made a stamp and stamp a left and make it look realI just this that was a scan. I was also expecting a deposited to that account and it has not show up yetI believe fifth third maybe doing fraudulently things about my moneyAnd if I am wrong I apologize thank you for your help and I pray that god will work it out for me

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint Dear Sir,I purchased and financed the *** *** through Fifth Third Bank, at that time Fifth Third Bank received my Title to the ***, which was suppose to be sent back to me when this loan was paid offI did not receive the title! I just sent in for a duplicate title at a cost of $33.00, which Fifth Third Bank should of had to obtain as they lost my title to the *** ***Who reimburses me for my loss of $for a Duplicate Title?*** *** *** *** did receive the release, only after I contacted the Revdex.comNot Before!The one and only time Fifth Third Bank has contacted me was the day they heard from the Revdex.comAnd that was to let me know they did hear from you and they would investigate the matter furtherThey did not contact me to resolve any problems.I feel this matter has not been resolved as of today!
Regards,
*** ***