PROCORPSA

Please find below the text of the letter that is being mailed to the customer along with the enclosures mentionedThank you. *** ** *** *** *** ** * *** ** *** Date: May 22, 2017 Account: *** Regarding Your Essential Checking Account Dear
*** ** ***: We received a copy of the complaint you filed with the Revdex.com concerning your Essential Checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youPlease 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 experiencePlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We understand your concerns regarding the availability of your depositWe are continually working to ensure that the funds from your deposits are available in a timely manner, while meeting all Federal regulationsThe Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank, from loss or possible fraud. Per Federal Guidelines, and per the Bank’s Funds Availability Policy for Consumer Accounts, when a check is deposited into a consumer checking account using the Bank’s Mobile Deposit service prior to the cut-off time of p.m., ET, up to $of the total of your check deposits will be immediately available to make purchases, withdrawals, and cover any items that may post to your account that business dayThe remaining funds will be available on the second (2nd) business day after the day of your depositIn some instances, we reserve the right to place a hold of a longer period of time on a depositThe full amount of the hold will not become available until the hold has endedAvailability of the funds will generally be no later than ten (10) days from the day of your depositDepending on the reason for placing the hold on your deposit, part of the deposit or all of the deposit may be heldIt is important to note that the Bank does not control the amount of time it may take for a check to clear nor does the Bank have any way to expedite this processA hold may be placed on a check to allow sufficient time to ensure the check will not be returned. On May 12, 2017, a mobile deposit of $posted to your Essential Checking accountDuring the processing of your deposit, a hold was placedBecause your deposit was made using Mobile Deposit, rather than in-person, we were unable to notify you of the hold at the time of your depositHowever, the Bank did issue a letter to you on May 12, 2017, to inform you of the hold, the reason for the hold, and when the deposited funds would become availableFor your records and convenience, we have enclosed a copy of the letter. The Expedited Funds Availability Act allows the Bank to place a hold on deposits for several reasons. One of the reasons the Bank may place an extended hold on a deposit, is when the account into which the check(s) being deposited has had a history of repeated overdrafts in the last six (6) monthsAs is indicated in the letter we sent on May 12, 2017, this is the reason for the hold placed on the mobile deposit received on May 12, I have also enclosed a copy of the Bank’s Rules and Regulations for your review and convenienceFor more information about the Bank’s Funds Availability policy for consumer accounts, please refer specifically to page four (4)For more information about an extended hold being placed on a deposited check, please refer specifically to page twenty (20)For more information specific to the funds availability of mobile deposits at Fifth Third Bank, I have enclosed a copy of the Bank’s Digital Services User AgreementWe regret any inconvenience this may have caused youYou are a valued customer of the Bank and it is not our intention to cause you any hardship. Because the hold on the funds you deposited was placed in accordance with Federal Guidelines and the Bank’s Rules and Regulations, the hold on the funds you deposited will not be removed until the hold is scheduled to be removed on May 23, 2017, as is indicated in the letter we sent on May 12, 2017, a copy of which is enclosed. *** ***, 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 you would still like to close your account, as is indicated in the complaint you filed with the Revdex.com, you can certainly do thatAfter the hold on the funds you deposited is removed on May 23, 2017, you may visit any Fifth Third Banking Center to close your accountIf 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 (3): Letter Dated May 12, 2017 Rules and Regulations Digital Services User Agreement

*** *** *** *** ** *** ** *** Date: January 30, 2018 Account: *** Regarding Your Essential Checking Account Dear *** ***: We received a copy of the complaint you filed with the Revdex.com, and we received a copy
of the email that you sent to Greg CPresident & CEO, concerning your Essential Checking account. 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal RegulationsThe Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank, from loss or possible fraud. According to the Bank’s Funds Availability Policy, outlined in the Deposit Account Rules and Regulations, when a check(s) is deposited, the first $of the total check deposit will be available on the day we receive the depositThe remaining funds will be available on the first (1st) business day after the day we receive the depositIn some cases, we reserve the right to hold funds for a longer period of timeThe full amount of the deposit will not become available until the hold has endedAvailability of funds will generally be no later than the ninth (9th) business day after the day of the depositCircumstances that may delay availability of funds include: ** Reason to believe the check(s) deposited will not be paid. ** Checks totaling more than $5,that are deposited on the same day. ** A check is re-deposited that has been returned unpaid. ** The deposit account has been repeatedly overdrawn in the last six (6) months. ** An emergency, such as a failure of communications or computer equipment, occurs. ** The account into which the funds are deposited was opened within the last thirty (30) days I have enclosed a copy of the Bank’s Deposit Account Rules and Regulations for your review and convenienceFor more information about the Bank’s Funds Availability policy for consumer accounts, please refer specifically to pages nine (9) through twelve (12)For more information about an extended hold being placed on a deposited check(s), please refer specifically to page twelve (12). On January 18, 2018, you opened your Essential Checking account on our website at 53.comOn January 19, 2018, you visited our *** Executive Banking Center located at *** ***, Fairfield, *** At that time, you deposited a $23,check from an account held by *** *** Title, IncThe employee who accepted your deposit explained that an extended hold would be placed on the deposit and provided you with written notification that a temporary hold would be placed on the depositThe letter explains that the hold will be removed and the funds made available on February 1, A copy of the letter dated January 19, 2018, is enclosed for your review and convenience. At the time of the deposit, you explained that you might need access to the funds before February 1, 2018. The employee assisting you explained that a branch manager could review the deposit to determine if the hold could be removed, but that there is no guarantee that the hold would be removed before February 1, Before we received your complaint, and per your request, the relevant parties at the Bank reviewed the deposit and the additional information provided by *** *** Title, Inc., to determine if the temporary hold would be removed before February 1, On January 25, 2018, it was decided that the temporary hold would not be removed before it is scheduled to be removed. Since we have determined that the hold was placed in accordance with federal guidelines and the Bank’s established policies and procedures, the Bank will not remove the temporary hold before it is scheduled to be removed on February 1, We regret any inconvenience or frustration this might cause you. 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 PC: Greg C., President & CEO Enclosures (2): Deposit Account Rules and Regulations Letter Dated January 19,

*** *** *** *** *** *** *** ** *** Date: November 15, 2017 Account: *** Regarding Your Installment Loan Dear *** ***: We received copies of the complaints you filed with the Revdex.comWe are sorry to hear about the
difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concernsWe strive to provide quality service to all of our customers, and I apologize that we failed to meet your expectations. In your complaint, you raised concerns about the length of time your hardship deferment was in processUnfortunately, we have needed to extend our processing times somewhat due to the unusually high volume of requests for hardship assistance we are receivingWe have taken measures to reduce these delays, and we strive to provide the best customer service possibleAs a follto the voicemail message I left for you, your deferment has been processedThe September and October payments totaling $were placed at the end of your loan termThe loan is now due for the regular monthly payment amount on November 30, 2017. We have researched your concerns regarding the information being reported to the credit bureau reporting agencies for this accountWe submitted an update to the four (4) credit reporting agencies to remove any reporting of a payment thirty (30) days past due for September and OctoberThis was done for both you and for the co-borrowerIn addition, the account information was reviewed after the update and we have confirmed that it is now accurateIf you would like to contact the credit bureaus directly, their contact information can be found below: *** ###-###-#### *** ###-###-#### *** ###-###-#### *** ###-###-#### I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. You are a valued customer and I appreciate this opportunity to address your concernsIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

March 8, 2018*** *** Revdex.com Holiday Drive, Suite Pittsburgh, PA 15220Re: Your reference: *** *** - Case No***Dear Ms***:We are in receipt of your letter dated March 2, 2018, regarding the informal complaint filed by *** ***We have had the
opportunity to investigate this Complaint and offer the following information.Armstrong empathizes with Mr***’s frustration regarding his internet speedsAn Armstrong technician contacted Mr*** on March 5, to address his concernsAccording to Mr***, the last speed issue he had occurred on March 1, at approximately 8:p.mAt that time, Armstrong experienced an outage in Mr***’s areaArmstrong checked Mr***’s modem and found no issuesArmstrong credited Mr***’s account for $due to the inconvenience he experienced.Armstrong encourages Mr*** to contact our Customer Service Center if he has any additional concernsThank you for your attention to this matterPlease feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Teamcc: *** ***

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*** *** ** *** Date: September 30, 2015 Account: *** Regarding Your Overdraft Fees Dear *** ** ***: We received a copy of your complaint submitted to the RevDex.com concerning the overdraft fees you recently accrued on your checking account ending in ***I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for 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 BankIt was certainly not our intention to cause you any difficulties or frustrationWe strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectationsI 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. If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account has a negative balanceWe do not assess overdraft fees on pending transactionsThe Bank processes transactions at the end of each business day in the following order: ? Credits and deposits made prior to the end of day cutoff time ? ATM and debit card transactions in the order they took place ? All other debits, including checks and electronic bill payments, in the order of highest to lowest amount ? Fees and service charges Our research determined that when viewing your pending transactions the evening of September 21, 2015, your balance would have shown positive $7.18, as you referenced in your compliantAccording to our records, the posted debit card transactions for that business day, which totaled $114.04, were processed in the following order: 09/17/*** *** ** $18.00 09/17/*** *** *** ** $12.00 09/17/*** *** *** *** ** $24.41 09/18/*** *** *** ** $20.01 09/18/*** *** *** *** ** $8.55 09/18/*** *** ** $9.57 09/19/*** *** ###-###-####, ** $13.00 09/20/*** *** ** *** ** $1.90 09/20/*** *** *** *** ** $6.60 Your balance the business day prior ended at $When the pending items listed above posted on September 21, 2015, combined with the automatic payment to *** *** for $325.06, the account became overdrawn ($300.90)ACH payments are processed the business day they are authorized by the third party, and do not show as pending like a time-stamped debit card transactionWe regret the inconvenience this matter may have caused you, but as the customer you are in the best position to know if items you have authorized, either by debit card or automatic withdrawal, have cleared your checking account by utilizing a checkbook registerDue to no bank error being found in our research of this matter, we are unable to refund your overdraft fees. Included with this letter you will find a copy of our Rules and Regulations, as well as information titled Fifth Third Overdraft Solutions for ConsumersPlease review this document, as well as the Rules and Regulations for more information about Overdrafts and how items may post to your accountIf you have any questions, please contact myself, your local branch, or a customer service professional at ###-###-####, Monday through Friday, a.mto p.m., Saturday, 8:a.mto p.m., ET. *** ***, it was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matterIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Sarah S. Office of the President Pc: Revdex.com Enclosures: Fifth Third Overdraft Solutions for Consumers Rules and Regulations

*** *** *** *** *** *** ***, ** *** Date: November 15, 2016 Account: *** Regarding Your Fifth Third Bank Account Dear *** ***: We received a copy of the complaint you filed with the Revdex.comWe are sorry to
hear about the difficulties you have experienced in trying to resolve this matter and we appreciate the time you have taken to document your thoughts and concerns. A cash withdrawal for $was debited from your checking account on September 12, Upon receiving the information that you did not receive the cash, our Disputes Department opened the case number *** and issued a provisional credit of $to the checking account on September 12, While we strive to resolve all investigations as quickly as possible, it can take up to thirty (30) days for an investigation to be completedThe credit was removed on October 21, 2016, when the ATM was found to be in balanceA notice was also sent to the address above informing you that the dispute was resolved. You contacted the Bank to question this resolutionAfter further review, the investigator located the overage and a $credit was issued to the checking account on November 4, This credit is considered final and a notice was sent to you that same dayYou withdrew the balance in the account and it was closed at a zero (0) balance on November 5, 2016. Please be assured that Fifth Third Bank takes your feedback seriously and I appreciate this opportunity to respond to your concernsYou were a valued customer and we would like to offer our sincere apologies for any inconvenience this matter may have caused youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. I encourage Fifth Third to improve their review processes for their Bank Protection Department to ensure that customers who are not committing fraud are not incorrectly accused of committing fraudI also encourage Fifth Third to educate representatives at the Office of the President on legal matters such as escheatment, which was incorrectly cited as the reason for my account balance's disappearance in a 1/29/letter.The bank's 2/13/response is satisfactory. The bank is now returning my checking account balanceThere will be no need for me to pursue further redress
Regards,
*** ***

*** *** *** *** *** *** ** *** ** *** Date: August 31, 2016 Account: *** Regarding Case Number *** for Disputed Authorizations Dear *** ***: The Revdex.com forwarded your additional comments to Fifth Third Bank (“the Bank”) for reviewI appreciate this opportunity to address your concerns. Please be advised that we stand by the information provided to you in the previous letter dated August 19, I have enclosed a copy for your reviewThe other *** authorizations you disputed were never presented for payment meaning the funds were never withdrawn from your account by ***Because they did not post to your checking account, this claim is considered closed and no further credits will be given to the account. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused youIf I could be of further assistance to you, please call me at 513-358-0858, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com Enclosure: Copy of recent letter

*** ** *** *** *** *** *** ** *** Date: August 22, 2016 Application #: *** Regarding Your Mortgage Loan Application Dear *** ** ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding
your mortgage loan applicationWe 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. We received your application for a mortgage refinance on May 25, It is my understanding that you were shopping around to obtain the best mortgage rate possible, which is encouragedYou requested that we offer an interest rate discount to match a competing offer that you received from a credit union. We honored the request to price match and as a result, the interest rate offered to you by the Bank was 3.875%, which included the discountYou agreed to this and locked in the interest rateEnclosed for your reference is a copy of your signed Intent to Proceed disclosure, your signed Pricing Agreement that locked in the interest rate, and your signed application fee disclosureYour application for credit was conditionally approvedWe continued to process your loan, including ordering the title work from the title company you selectedWe also ordered an appraisal, which you later cancelled. You later contacted Mortgage Loan Originator Anthony Wand stated that you saw on the news that mortgage interest rates had lowered so you wanted us to lower your locked interest rate furtherPlease note that Fifth Third Bank’s policy to float down an already locked interest rate is that the interest rate must drop a full .375% before we will lower our interest rate to matchMrWprovided you with this information and explained he would monitor our mortgage interest rates to verify if it was ever lowered by the .375% required to float down the interest rate you already locked inThe interest rate did not drop by the amount required for us to float down your interest rate. On June 14, 2016, you contacted MrWand explained that a different bank offered you an eighteen (18) year loan with a fixed 3.7% interest rate, $closing fee, no escrow account, and a $730.00 monthly paymentMrWasked if you wanted to withdraw or cancel your loan application with the BankOn June 17, 2016, you faxed in some of the documents that MrWylie requested from you for the loan applicationHe asked if you were going to cancel the loan or proceed, and you advised you wanted to proceedHowever, you did not complete the remaining required conditions and you requested we cancel the loan on August 4, 2016. Please be advised that the $application fee is not an appraisal feeIt is a fee for processing the applicationAdditionally, you were eligible to have the $returned to you as a credit toward your closing costs when the loan closedHowever, you did not close on this loanYou signed and agreed to the fee, as well as signed the intent to proceed documentationWhile you cancelled the appraisal, the Bank continued with the other work required to process the loanFor this reason, we are unwilling to provide you a refund for the $application feeI am sorry for the distress this may cause youWhile we would have liked to book and service your mortgage loan, we are glad to know that you were able to obtain a loan elsewhere with more favorable terms. 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 T.Office of the President Pc: Revdex.com Enclosure: Pricing Agreement, Intent to Proceed, Application Fee Authorization

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** *** As I stated in my last response, I am currently working with the office of the president of Fifth Third Bank to resolve this situationSo far my contact Shawna has been a tremendous help to meThank you

I think the amount charged is excessive, ok charge me for $once but I had enough to cover the other amounts and you could have adjusted that and made it right, my wife has been customer of yours her whole adult life, yearsIs that how you treat loyal customers. You charge them excessive fee amounts that are higher than the amount that came through...Please refund the other amounts.... 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,
*** ***

*** *** *** *** *** *** *** *** ** *** Date: January 21, 2016 Account: *** Regarding Your Installment Loan Dear *** ***: We received a copy of the additional complaint you filed with the Revdex.com concerning your installment loanWeappreciate the opportunity to respond to this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused youHowever, we stand by the response conveyed to you in our previous letter sent to the above address on January 11, Our position on these matters has not changedAs we mentioned in our previous response, our review of the account has determined there was no Bank error in the assessment of the feesHowever, per your telephone conversations with the Bank, in the interest of customer service, the two (2) $NSF fees that were assessed to the account were waived. As our previous correspondence explained, it can take up to three (3) weeks to complete the Auto BillPayer enrollment process, therefore, your first Auto BillPayer payment was scheduled for October 16, However, because *** ** *** returned the payment as unauthorized, Auto BillPayer was removed from the accountIf you wish to re-enroll in Auto BillPayer for future payments, you may contact the Auto BillPayer Department at ###-###-####, Monday through Friday, a.mto p.m., ETUpon enrollment, we will also need a letter from *** ** *** indicating that we are authorized to draft from the account. Thank you for your patience while waiting for a responseIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, *** *** Office of the President Pc: Revdex.com

*** ** *** *** * *** *** *** ** *** Date: February 1, 2018 Account: *** Regarding Your Mortgage Loan Dear *** ** ***: We received a copy of the complaint you filed with the Revdex.com concerning your mortgage
loanWe appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your mortgage loanIt was certainly not our intention to cause you any hardshipWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsI 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. We have completed a review of your account ending in ***We have confirmed that due to an internal error, a payment was not disbursed to *** County to satisfy the November 10, 2016, property tax payment due dateWe regret any inconvenience this may have caused youIn addition, we confirmed that the check in the amount of $that was issued to *** County to satisfy the May 10, 2017, property tax due date was not negotiatedAs a result, on January 18, 2018, we placed a stop payment on this check and credited the funds back to your escrow accountAdditionally, we credited your escrow account $on January 24, 2018, to reimburse the total penalties incurred as a result of this error. Following the credits to your escrow account on January 18, 2018, and January 24, 2018, an escrow analysis was performedI have enclosed a copy of the Annual Escrow Account Disclosure Statement dated January 26, 2018, for your recordsAs this statement explains, an escrow surplus in the amount of $was mailed to you in the form of a check on January 26, If you do not receive this check within fifteen (15) days, please contact me at the telephone number belowPlease note that your payment has increased from $to $effective March 1, 2018, as a result in the increase in your homeowners insurance premium amount. I have also enclosed a copy of the Annual Escrow Account Disclosure Statement dated July 25, 2017, for your reviewPage three (3) of the enclosed statement under the Actual column under Payments from Escrow shows that a property tax payment was not disbursed from your account in November As a result, there was a surplus in your escrow account in the amount of $649.50, which was returned to you in the form of a check on July 25, The total of these two (2) surplus checks is $1,555.38. Thank you for your patience while we researched this matter for youWe truly value your business, and we look forward to continuing our banking relationship with youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at 866-360-5353, Monday through Friday, a.mto p.m., ET. Sincerely, Jennifer M.Office of the President Pc: Revdex.com Enclosures: Annual Escrow Account Disclosure Statement Dated January 26, 2018, Annual Escrow Account Disclosure Statement Dated July 25,

*** *** *** *** *** ** ***Date: March 14, Account ***Regarding the Force-Placed Insurance Added to Your installment LoanDear *** ***:We received a copy of the complaint you submitted to the Revdex.com regarding the forceplaced insurance
that was added to your 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 you.Proof of full Coverage vehicle insurance is required at the loan contract signing and throughout the life of the loanI have enclosed a copy of your loan contract for your reviewI am sorry if the insurance requirement was not made clear to you by the dealership when you signed your loan contractIn the process of updating our files, we requested your current insurance information and a copy of your current insurance policy, I have enclosed copies of the letters we sent to you on November 8, 2016, and November 29, We sent a third (3') letter to you on December 13, 2016, when we had not received the requested information from youSince we still had not received the requested information, we sent a fourth (4") letter to you on January 3, 2017, informing you that we would be adding Collateral Protection Insurance (CPI) to your loan in the amount of $1,for the coverage period from October 17, 2016, through October 17, I have also enclosed copies of the letters we sent to you on December 13, 2016, and January 3, 2017, for your review.On January 25, 2017, the CPI premium in the amount of $1,was added to your installment loan ending in ***The amount was spread over nine (9) months increasing your monthly payment from $to $beginning February 1, On February 13, 2017, we received partial proof of coverage from you beginning February 13, Therefore, we issued a credit of $1,making the total CPI premium owed $This amount was spread over nine (9) months decreasing your monthly payment to $effective February 1, 2017.During our research we reviewed the insurance documentation we received when you signed the loan contract and the insurance documentation we received on February 13, The documentation you provided when you signed the loan contract listed an incorrect Vehicle identification Number (VIN)The VIN listed on the insurance policy was ***, but the correct VIN is ***Additionally, Ally Financial was listed as the lienholder, not Fifth Third BankThe policy effective period was from October 18, 2016, to April 18, The documentation we received on February 13, 2017, showed the correct VIN of *** ***, a policy effective period from October 18, 2016, to April 18, 2017, and Fifth Third Bank was correctly listed as the lien holderHowever, under "Additional Information" *** noted, "Issued 02/13/17." I reached out to *** directly to confirm Whether you had comprehensive Coverage prior to that date and was informed that you did not have comprehensive coverage prior to February 13, Therefore, there is still lapse in coverage from October 17, 2016, to February 12, I have enclosed copies of the insurance documentation we received for your review.As of March 10, 2017, you are past due for your February 1, 2017, and March 1, 2017, payments totaling $On February 11, 2017, we received and posted your payment of $247.67, but this amount was insufficient to satisfy your full payment of $Due to this partial payment, you have a partial payment credit of $247.67, so you will need to pay $to bring your loan currentYou will then be due for a payment of $on April 1, In order to make payment arrangements, please contact Our Collection Department at ###-###-####, Monday through Friday, a.mto p.m., Saturday and Sunday, a.mto p.m., ETFailure to bring your account current may result in additional late fees, negative reporting to the credit reporting agencies, and possible repossession of your vehicle.Thank you for your patience while we conducted our researchYou 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.mET.Sincerely,Elizabeth D.Office of the PresidentPC: Revdex.com Enclosures: Contract, insurance notices, Insurance documentation

HiI would like to bring to the notice of the president's office about the history of my accoiuntMy first payment (very first) was made through my checking account with *** ** ***I got the autobill pay setup by sending documents signed that had my account number and wiring numberI thought everything is setupI found that it did not get setup when someone from fifth third called me in september to indicate my payment has missedSo I told the collection department to setup months paymnent since auto bill pay did not get setup as I thought it would have beenThen suddenly auto bill pay kicked in and two payments started geting drawn out every monthThat is when I had to ask *** ** *** to get one of my payments backSo because of some communication error, I have been penalized for late payment two timesKindly refund my late payments of dollars two time that I have been charged till nowThat would make me a happy customer of bankOnce again thanks for refunding my NSF fee regards*** 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,
*** ***

*** ** *** *** *** *** ** ***Date: June 17, Account: ***Regarding Your Installment LoanDear *** ** ***:We received a copy of your complaint filed with the Revdex.com, regarding the vehicle title for your closed installment loan 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 concerningOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youWe strive to provide professional and accurate service to our customers, and we regret if that has not been your experience.On June 30, 2014, a payoff in the amount of $8,was posted to your installment loanAs a result, your account was closed on this datePlease allow up to ten (10) business days for the title or lien release to be processed and additional tine for mailingOn July 8, 2014, the title for your vehicle was mailed to the ‘*** *** *** *** ** ***’ address on file for your installment loan.Fifth Third Bank has partnered with ** *** *** to process title and lien requests for our auto loan customersThese services include the following:Lien releasesState to state title transfersDuplicate titlesTitle name changes (not related to a Bank error)It should be noted that a charge is assessed by ** *** *** to complete the maintenance requests noted above.On June 8, 2015, you contacted the Bank and updated your address to ‘*** *** ***, *** ** ***’We sympathize with the difficulties you have encountered regarding your closed installment loanTherefore, a duplicate vehicle title was ordered at no charge to you on June 15, and will be sent to the updated address on filePlease allow additional time for processing and mailing.*** ***, please be assured that it was not our intention to cause you any hardship or frustrationYou were a valued customer and we hope that you will consider the Bank for your financial needs in the futureIf I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, a.mto p.m., ET.Sincerely,*** ***Consumer Resolution Specialist Office of the PresidentPc: 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 They are crediting my account for the late fees in the name of "customer service"
They still have yet to prove that I actually received the statements in question. Based on their assertion, once they drop the monthly statement in the mail, it is assumed that it is delivered and they are no longer responsible. If that is the basic premise, then once I drop a check in the mail, it must be assumed that 5/Bank received the check and my account should be credited accordingly. Hmmmm...I wonder....how would they know what to credit my account if the check never arrived??? I know...they should call me to get the check number, date that it was mailed and the amount! Hmmmm.....I wonder....how would I know how much and when to pay if the statement never arrived???? It's like a casino...the odds are stacked in the banks favor! As a second point, what happens if I don't have an iPhone, cell phone or access to a computer? Once again, the bank is off the hook since it's not their responsibility to make sure I know how much or when to pay the bill.If they look at the payment history, when I receive a statement, the bill is paid on time. However, in some months I make payments since I'm guessing what the payment should be or remember that the bill has never arrived and called customer service to find out what the payment should be in that period. Rest assured, that I have marked my calendar as to when the monthly payment should be made...AND...then to call the customer service department to ask them about my minimum payment. What great customer service!!! NOTFunny.....I never seem to have this issue with any bank of credit card company except 5/3!!!!Basically, I still feel as though I should not be assessed $interest penalties in each of the missed months since they have yet to PROVE I actually received the statements in question
Regards,
*** *** PS - it's been said that one happy customer will tell one other person about their great experience. However, one unsatisfied customer will tell other people about their horrible experience. Think about 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.
I'd like to add that the card was not connected to my account and fifth third should have never allowed this to happen and the security question that was asked was partially answeredIf someone knows my address then obviously they would know the city and state I signed up at the representative should have asked for street names not just city and stateMy account was not protected by Fifth Third. I have attached a photo of what cards were linked to my account as you can see *** is not on my account according to Fifth Third.
Regards,
*** ***

*** *** *** *** *** *** *** *** ** *** Date: September 14, 2016 Account: *** Regarding Your Fifth Third Bank Essential Checking Account Dear *** and *** ***: We received a copy of the complaint you filed
with the Revdex.com and the Consumer Financial Protection Bureau regarding your Essential checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured we have researched this matter fullyI 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. 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 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 authorized. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. Fees and service charges Debit card and Automated Teller Machine (ATM) transactions are time-stamped debits 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 authorizedChecks 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 automatically decline 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 assessedOur research determined you have declined Overdraft Coverage. 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 your checking account statements dated June 10, 2016, through August 11, In addition we have enclosed a copy of the activity in your checking account since your last statement cut on August 11, Enclosed for your convenience are the overdraft notices mailed to you since June 6, Please use the enclosed documents as verification there was no Bank error in the order your transactions have posted to your account. After receiving your complaint, we reviewed the overdraft fees that have been assessed to your checking account and also the amount that have been reversed back into your checking accountOur research determined that $in overdraft fees were reversed within the Bank’s overdraft guidelinesOur 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. Our research determined that you contacted the Dispute Resolution Department on September 7, 2016, and requested a hold be placed on your accountPlease note a hold has been placed on your account; however, you did not file a dispute of unauthorized transactionsAfter reviewing the enclosed documents, please contact our Dispute Resolution Department to open an investigation on your fraud claimsA representative can be reached at ###-###-####, Monday through Friday, a.mto p.m.; Saturday, 8:30 a.mto p.m., ETUpon completion of the investigation, the Dispute Resolution Department will inform you of the findings of their investigationIf the charges are found to be unauthorized, the Dispute Resolution Department will reverse the overdraft fees caused by the unauthorized transactions. 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 guideI would be happy to assist. 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, Revdex.com Enclosures: Rules and Regulations, Statements, Overdraft Notices, Overdraft Solutions Brochure

*** ** *** *** *** *** *** *** ** *** Date: March 30, 2016 Account: *** Regarding Your Mortgage Loan Account Dear *** ** ***: We received a copy of your additional complaint filed with the Revdex.com regarding your mortgage loan accountWe appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the frustration you experienced regarding this matterI understand that you are dissatisfied with the previous handling of your insurance claimAs previously advised, your concerns were escalated to the relevant personal for reviewA copy of our previous correspondence is enclosed for your reviewWe stand by this previous response. It is my understanding that you have been in contact with our Insurance Center regarding the repairs to your homeIt is also my understanding that you have hired a new contractorWe received legal documents that show the previous contractor was terminatedWe verified that an inspection of the ongoing repairs was completed earlier this monthAt this time, we can release additional funds for further repairs upon receiving an explanation regarding why the funds are needed and for what repairs the funds will be utilizedA work order is sufficient to fulfill this request. As previously advised, we do not require mortgage loans to be in default in order to qualify for hardship assistanceHowever, the borrower must be able to demonstrate that default will be imminentWe are unable to evaluate any potential options for assistance without a completed application for assistanceIf you would like to be considered for assistance and feel that your mortgage loan is in imminent danger of defaulting, please complete and submit the enclosed application for assistancePlease note that hardship assistance and modifications may have an adverse affect on your credit report, which could subsequently affect potential refinance options in the futureHaving a modification does not automatically disqualify you from being approved for a mortgage loan refinanceOnly you as the borrower can determine what available options will best suit your needsSubmitting the application for assistance does not affect your credit. You mentioned two (2) checks that you sent to the Bank that were not processed correctlyI apologize that the checks you sent to the Bank were sent back to you at the incorrect addressI verified that the Insurance Center has updated the mailing address for documents they send to youThe mailing address on file for you with Fifth Third Bank is your address listed above, which is where this letter is being sentIf that address is incorrect, please contact me directly using my phone number listed below so I can update our systems. Our records indicate that both of the checks were sent back to you, which were reissued to your correct mailing address, and that both of those checks have been cashedYou mentioned that one (1) of the checks was to be deposited into your escrow accountPlease be advised that Fifth Third Bank cannot hold any insurance funds that exceed the amount of your mortgage loanFor this reason, we cannot keep any additional insurance monies that are sent to you that you then send to the BankWe must sign off on the checks and send them back to you. 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 T.Office of the President Pc: Revdex.com Enclosure: Previous Correspondence