PROCORPSA

*** ** *** *** *** *** *** ** ***Date: July 25, 2017Regarding Your Fifth Third Bank Installment LoanDear *** ** ***:We received a copy of the follcomplaint you filed with the Revdex.com, concerning your installment loanWe appreciate the time you have taken to further express your concerns regarding this matter.We received your original complaints filed with the Revdex.com and the Consumer Financial Protection Bureau on July 7, We received your follcomplaint filed with the Revdex.com on July 14, However, we stand by the response conveyed to you on July 13, I have enclosed a copy of that prior correspondence for your convenienceOur position on this matter has not changed.On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youIt 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 expectations.Upon receiving your follcomplaint, we reviewed the information provided in our original response and want to correct an errorIn reviewing the Bank Protection notes, I incorrectly stated that the application was submitted in your married name *** ***My review of our internal systems, indicate the name on the original application was your maiden name, *** ** ***I apologize that I misinterpreted the notes provided by the investigatorThe identification you presented to the banking center employee closing your loan was Rachel Ann Watkins, which did not match the original loan documents.On June 16, 2017, the Bank Protection Department received an alert to a possible social security number mismatchA case was opened on Monday, June 19, 2017, to investigate the possible identity theft situationFor your protection, a block was placed on the installment loan during the investigationThe investigation was closed on June 20, As part of the investigation, the Bank confirmed your employment, reviewed your marriage license and driver’s licenseThe investigator contacted you on June 20, 2017, to explain the reason for the block and to inform you the block was removedThe investigator did inform you that during their research, another name may be associated with your social security numberIn the interest of customer service, the investigator suggested that you may want to place a fraud alert on your credit profile. If you would like to contact the credit reporting agencies, their contact information can be found below:*** ###-###-#### *** ###-###-#### *** ###-###-#### *** ###-###-#### I hope this correspondence cleared up any outstanding questions you had related to this issueIf 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,Patrick SOffice of the PresidentPC: Revdex.comEnclosures: Prior Response

*** *** *** * *** *** *** ** *** Date: December 2, 2015 Account: *** Regarding Your Mortgage Loan Dear *** ***: We received a copy of the complaint filed with the Revdex.com concerning your Fifth Third Bank mortgage
loanWe appreciate the time you have taken to share your thoughts and concerns regarding this matterOn behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused youPlease be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. Our Consumer Contact Center strives to provide professional and accurate service during every telephone call they receive throughout the dayDue to this reason, our Customer Service Professionals will attempt to ensure that every effort is taken to resolve any issue that you bring to their attentionI am sorry if your telephone call experience did not meet the same high standard. On October 23, 2015, we received a payment of $2,that was intended to serve as the full payoff of your Fifth Third Bank mortgage loanThis payment was posted to your mortgage loan with an effective date of October 23, At the time of the loan payoff, your mortgage loan was charged $for the recording fee charged by the State of PennsylvaniaThis was not a fee charged by Fifth Third BankThis amount was forwarded to the State of Pennsylvania to record the loan payoff and the release of the lien on your propertyWe regret the frustration this matter may have caused youYou should have received our notification letter confirming that your mortgage loan has been paid off and closed with a zero balance owed. We appreciate the opportunity to fully research your concernsIf I may be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com

*** *** *** *** ** *** ** *** Date: January 6, 2016 Account *** Regarding Your Installment Loan Dear *** ***: We received a copy of the rebuttal you submitted to the Revdex.com regarding your installment loanWe appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youHowever, we stand by the response previously conveyed to you in our letter dated December 18, Our position on this matter has not changed. If there were any items missing from your vehicle, or if there was any damage to the vehicle, at the time of the repossession, you will need to address this matter with our repossession agent directlyFifth Third Bank is unable to provide you with any compensation since we are not held liable for any damage or missing items when a vehicle is repossessedYou may contact *** *** *** directly by calling ###-###-####, by facsimile at ###-###-####, or by mail at the following address: *** *** *** *** *** *** *** ** *** 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, Elizabeth D. Office of the President

While in the application process in a phone conversation w Tony W., he stated that the charge would be credited at closing, nothing was said about if the loan did not go through that I would lose this money. Furthermore since there was never an appraisal done, the question remains what is the charge for? I have asked for an explanation itemized as to justify what the charge is for on three email attempts, but no reply.I am currently closing on my w another bank and they have indicated that since there was no appraisal done there should not be any erroneous charges.Any help you can provide is greatly appreciated. Respectfully, *** ***

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*** ** *** Date: April 18, 2016 Account: ***
Regarding Your Checking Account Dear *** ** ***: We received a copy of the rebuttal filed with the Revdex.com regarding your Fifth Third
Bank checking accountWe appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. Once your rebuttal was received, we reviewed your additional concerns and the decision was made to waive the overdraft fees that were charged to your account on February 23, On April 11, 2016, we waived the $in overdraft fees that you were chargedYou will see this credit to your checking account on your next statementI hope you are satisfied with this resolution. Please accept our sincerest apologies for any inconvenience this matter may have caused youWe appreciate your long standing business with Fifth Third Bank and we look forward to servicing your banking needs in the futureIf I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., EST. Sincerely, Lisa S.Office of the President Pc: Revdex.com

Can you email the customer back and get the name of the deceased person or the account number please? Thanks!

*** *** *** *** *** *** *** ** *** Date: January 25, 2016 Account: *** Regarding Your Installment Loan Dear *** ***: We received further communication from you submitted to the Revdex.com concerning your installment loan. Please be assured that Fifth Third Bank takes your continued feedback seriously, and I am appreciative of the time you have taken to communicate your thoughts and concerns. Due to your statement that a coupon book has still not been received at the address above, an additional coupon book has been ordered, and the fee associated with this waived, due to the permanent address in our system having been updated recently to match the mailing address that has been on file for your accountI hope this helps to resolve your issue. *** ***, I appreciate this opportunity to further attempt to address your concerns and 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, Sarah S. Office of the President Pc: Revdex.com

*** ** *** *** *** *** *** ** *** Date: May 31, 2016 Account: *** Regarding Your Installment Loan Dear *** ** ***: We received a copy of the complaint you filed with the Revdex.com, regarding the setup of Auto
BillPayer for your installment loanWe appreciate the l 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. Due to your complaint, we reviewed the Auto BillPayer enrollment form submitted for your installment loanWe verified that your ** *** savings account ending in was listed as the account that the payments were to be deducted fromAfter further research, we confirmed that ‘Checking’ was incorrectly chosen when your account information was manually entered by our Auto BillPayer representativeTherefore when Auto BillPayer attempted to process your installment loan payment of $in March and April 2016, the transactions were rejected because they were submitted under the wrong account type. On May 17, 2016, we spoke via telephone regarding your installment loanDuring our conversation, I apologized for the difficulty you encountered and provided you with the information noted aboveAt that time, you indicated that the missing payments for March and April would be submitted electronically via our website 53.com the following dayI explained that once those payments were received, we would reapply them to be effective for the due dates in March and April As a result, any late payment information provided to the credit reporting agencies for these months would be removed. On May 18, and May 19, 2016, two (2) payments in the amount of $each posted to your installment loanOn May 23, 2016, these payments were debited and reapplied with the following effective dates: ** March 22, 2016 ** April 22, 2016 In addition, a late charge of $and returned item fees totaling $were waived for your installment loanIt should be noted that we confirmed with Auto BillPayer that your payment account type has been updated to show as ‘Savings’ within their systemOn May 20, 2016, your payment in the amount of $was processed via Auto BillPayer and posted appropriately to your account. *** ***, please be assured that it was not our intention to cause you any hardship or frustration. We appreciate your feedback as it assists us in identifying opportunities to improve our systems and the level of service we provide to our customersYou are a valued customer and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, a.mto p.m., ET. Sincerely, Danielle S. Office of the President

*** *** ** *** *** *** *** ** *** Date: June 22, 2016 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. We completed a review of your Essential Checking account ending in ***On June 6, 2016, your beginning balance for the account was $There were three (3) mobile deposits made to the account, totaling $252.00; however, as explained on the enclosed overdraft notice that was sent to you, $of these deposited funds were unavailable, per the Bank’s Funds Availability PolicyOn this same day, eleven (11) debit transactions posted to the account, totaling $1,223.27, and the negative available balance for the account was ($132.59)The calculation of daily overdraft is outlined on pages eleven (11) and twelve (12) of the enclosed Rules and Regulations that were provided to you at the account openingBecause there were insufficient funds to cover all of the transactions to the account, three (3) of the transactions were each assessed a $overdraft fee, totaling $the following business dayOur review of the account determined there was no Bank error in assessing the overdraft fees to the accountAlthough there was no error in assessing these fees, per the request made to the ***-*** Banking Center on June 8, 2016, the $of overdraft fees were reversed and credited to the account as a courtesy. You also mentioned a concern for the information that was provided during a telephone call made to the Bank, regarding the availability of the mobile deposit fundsWe completed an additional review of the call made to the Bank on June 4, During this call it was requested that the mobile deposit that was just processed be immediately availableAs informed by the Bank representative, we are unable to change the availability of funds once the mobile deposit has been processedIt was also explained that the deposit would have to go through processing on Monday night, and the full amount of the deposit would be available on the following business day, June 7, Furthermore, the caller asked if a check, that was written from the account on June 3, 2016, would go through on Monday June The Bank representative communicated to the caller that if the payee for the check attempted to cash the check on Monday, June 6, 2016, it could cause an overdraft of the accountThe Bank representative also advised that if the check was deposited by the payee on Monday, June 6, the check would still go through processing that Monday eveningAs previously communicated to you the information provided to the caller was accurateFor your information, the Rules and Regulations provide a further explanation of the Funds Availability Policy on pages seventeen (17) and eighteen (18). Thank you for your patience while we researched this matter for youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, April Q.Office of the President Pc: Revdex.com Enclosures: Overdraft Notice, Rules and Regulations

*** *** *** ** *** *** *** *** ** *** Date: October 30, 2017 Account: *** Regarding Your Checking Account Dear *** ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your
checking accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincerest apologies for the error that occurred on your account and for the frustration it has causedI appreciate the opportunity to speak with you on October 20, 2017, regarding this matter. As you are aware, the checks you deposited for the *** tax return were deposited to your account in United States Dollars in errorWhen we received the funds from the paying bank, they were in *** dollarsAs a result, the Bank needed to debit funds from the account to compensate for the currency conversionI have notified the relevant Bank management that the checks were deposited in the incorrect currency by banking center staffWe sent correspondence to you via mail about the deductions we needed to processI understand that you have opted to receive information electronically; however, not all required correspondence is available via our website or sent via emailThe correspondence regarding the deduction from your account for the currency conversion was mailed onlyI am sorry for the dissatisfaction this caused. On October 2, 2017, we processed the two (2) deductions of $and $The transactions for the conversion were processed by our Depositor Services Department, and the funds were sent to our Global Payments DepartmentUnfortunately, Global Payments processed the $transactions again on October 11, 2017, and the $again on October 18, Please be assured that I have contacted the relevant personnel within Global Payments regarding this matter, and they have addressed the situationThe second (2) transactions of $and $were credited back to your account on October 23, Please be assured that they will not be deducted from your account again. 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

*** *** *** *** *** *** *** ** *** Date: September 19, 2016 Account: *** Regarding Case Number *** for Disputed Debit Card Transactions Dear *** ***: We received copies of the complaints you filed with the RevDex.com and the Consumer Financial Protection BureauWe are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. A merchant will notify the Bank that a card has been used by sending an authorization requestCard authorizations are a merchant’s way to show the Bank their intent to take funds from an account for a purchase. The authorization may be for either more or less than the final purchase amount, for example to allow room for a tipThe authorization will appear as a pending transaction on the accountA customer can dispute pending authorizationsIf the transaction posts, we initiate a claim with the merchant and issue provisional credit to your account within five (5) business days from that date. On June 27, 2016, 2016, you contacted the Bank to dispute multiple authorizations dated June 25, 2016, through June 27, 2016, on your debit card ending in ***This debit card had been in use since January of We created Case Number *** for the pending transactionsIn addition, the affected card was blocked and a replacement was issued to youOn July 1, 2016, we issued provisional credits to your checking account totaling $4,so that you would have use of the funds during our investigation. On July 14, 2016, we denied your case, removed the provisional credits from your account, and sent a notice to the above addressThe primary reason for the denial of your dispute was that when our Early Fraud Warning Team requested confirmation from you that the debit card activity was authorized, you indicated that it wasOn June 26, 2016, a text message was sent to the telephone number on file to verify if you had authorized the purchasesThen they spoke with you on the same day and confirmed that these were not fraudulent transactions. In addition, the disputed transactions all required that the card’s PIN be used. You appealed this decision, and after an additional review, the Bank stood by the denial of this dispute claim. While you stated that you were not in *** ***, we did not find any account activity occurring locally in North Carolina for the time-period in disputeIf you would like to provide additional documentation that confirms you were not in *** *** from June 25, 2016, to June 27, 2016, you can send it to my attention at the following address: Fifth Third Bank Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 Or, you can fax it to ###-###-####That documentation could include account statements from another bank showing card activity occurring locally on the days in question, time stamped receipts, etcAny documentation you provide will be forwarded to our Dispute Resolution Department for review. We strive to provide professional and accurate information to our customers, and I regret the difficulties you have encountered regarding your accountNo overdraft or return item fees were charged to the checking account while we investigated your disputeThe account balance became negative after the provisional credit was removed. Because you are a valued customer, we reversed $in overdraft fees on September 7, 2016, as a courtesy to youI also reversed the $monthly account fee assessed on September 12, The current account balance is $24.48. To assist you with monitoring your accounts, our toll-free Telephone Banking system is available twenty-four (24) hours a day at ###-###-####Our Customer Service Representatives can be contacted at the same telephone number and are available Monday through Friday from 7:a.mto 8:p.mEastern Standard Time (ET), and on Saturday from 8:a.mto 5:p.mETSpanish language services are available when calling the Customer Service number aboveAfter you hear the greeting, it will tell you to press the star key for a Spanish-speaking representativeOur Disputes Department can also provide Spanish language assistance upon request. You can also access your account information at an Automated Teller Machine (ATM), on our Internet Banking website at 53.com, and through our Mobile Banking service from either our Mobile App or our mobile website, m.53.comYou may also appreciate the reassurance of setting up a free Account Alert to notify you about account activity and balancesAn account alert can be sent to up to four (4) e-mail addresses and one (1) mobile deviceAfter logging into your accounts online, please visit the Service Center tab, and then navigate to Alerts for a full listing of the available Alert types. 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; *** *** *** ***

*** ** *** *** *** *** Denver CO 80249 Date: May 25, 2016 Account: *** Regarding Your Installment Loan Dear *** ** ***: We received a copy of your complaint recently filed with the Revdex.comWe appreciate the time you
have taken to document your thoughts and concerns regarding this matterPlease be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. Thank you for taking the time to share your recent experience with meYour feedback is important so that we can better understand how to improve our service to youWe strive to provide quality service to all of our customers, and I am sorry for your unsatisfactory experience during your previous attempts to resolve this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Our records indicate that on October 21, 2015, your auto insurance policy with American Modern lapsed on your *** *** *** ***On November 2, 2015, we sent you a letter informing you that you must maintain insurance as long as there is an unpaid balance on your loanThe letter included a fax number for you to fax the Bank proof of insurance. On November 23, 2015, we sent you a second letter indicating that we were aware that your insurance policy on your *** *** *** *** was cancelled on October 21, We informed you that proof of insurance must be received within twenty (20) days to avoid the purchase of a policy to protect our interest in the collateralIf we purchase a policy, the premium would be charged to your account. On December 17, 2015, we sent you a final notice regarding the insurance for your vehicleOur letter explained that you are required to have property insurance on the collateral until you pay off your loanUp to that point, you did not provide the Bank with proof of insurance for the vehicleWe advised you that if you or your agent did not send proof of insurance within ten (10) calendar days, we would buy the insurance and charge the cost to youCopies of all three (3) of those letters are attached for your records. We received proof of State Farm policy information for your *** *** ***, with an effective date of January 25, The policy stated that your insurance coverage lasted from January 25, 2016, to July 25, The forced placed insurance coverage was back dated to the date of last known coverage, which was October 21, The difference in the amount of $is for the lapse in coverage from October 21, 2015, to January 25, 2016, when your State Farm policy went into effect. After we sent three notices and didn’t hear from you, we forced placed insurance on your vehicle loan and charged you $2,for the policy we purchasedAfter we purchased the policy, we received proof of insurance from you, but it didn’t cover the required amount of time, so instead of a full refund, we gave you a refund of $1,The difference of $is the amount you are required to pay for the lapse in coverage between October 21, 2015, and January 25, 2016. *** ***, We appreciate your patience while we researched this matterYou are a valued customer and I appreciate this opportunity to address your concernsIf 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, Jennifer C.Office of the President Pc: Revdex.com Enclosures (3): Insurance Notices

We are in receipt of your letter dated March 8, 2016, regarding the informal complaint filed by Mr***We have had the opportunity to investigate this Complaint and offer the following information.Armstrong has provided a fast, reliable broadband experience for more than yearsThroughout
that time, Armstrong has annually invested millions of dollars into its network to ensure that Zoom customers continue to experience a consistent, reliable Internet connectionArmstrong has increased the speed and enhanced the value of Zoom many times since its inceptionIn fact, our speeds will be increasing once again in 2016.The new modem Mr*** received is a necessary technology upgrade that will allow him to receive the faster speeds that are coming soonArmstrong provided the modems to customers free of charge since older modems are not capable of providing faster speedsMr***’s rates did increase recently, however, this increase is unrelated to the new modem he receivedPeriodically, Armstrong must make adjustments to their prices due to increases in business costs.Armstrong is committed to providing quality service at the lowest possible cost, while continuing to invest in technologies which offer the best choices for Internet, Television and Telephone serviceArmstrong encourages Mr*** to contact our Customer Service Center if he has any additional questions or 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 Team

*** *** *** *** ** ***Date: April 30, 2016Account: ***Regarding Your Essential Checking AccountDear *** ***: We received a copy of the additional complaint you filed with the Revdex.com concerning your Essential Checking accountWe appreciate 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 April 22, 2016.You mentioned a concern for the timeframe in which an online bill payment is posted and paid from your accountWhen a payment is scheduled on 53.com, the payment details explain if the payment will be sent electronically or via checkIf a payment is sent via check, it will be mailed to the payee, and will post to your account upon being presented to the BankIf a payment is sent electronically, the funds are immediately removed from the accountIt should also be noted that electronic payments are not able to be stopped once they have been paid.As we mentioned in our previous response, on April 7, 2016, there were two (2) stop payments placed on the accountThe stop payment request for a payment dated April 1, 2016, to *** *** *** *** in the amount of $could not be stopped because the payment was sent electronically and posted to the account on April 1, However, the stop payment request for check number *** in the amount of $272.10, which attempted to post to the account on April 7, 2016, was able to be stopped as a result of your request.For additional clarity on the funds availability policy, please refer to the enclosed Rules and Regulations that were provided to you when the account was openedAs explained on page eighteen (18), funds from cash, wire transfers and electronic direct deposits to your account will be available on the day we receive the depositThe availability of a check deposit is as follows: up to $of the total of your check deposits for the day will be immediately available to you on the day we receive the depositThe remaining funds will be available to you on the first business day after we receive the deposit.Thank you for your patience while we researched this matter for youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely, April Q.Office of the PresidentPc: Revdex.comEnclosure: Rules and Regulations

*** *** *** * *** ** *** ** *** Date: August 8, 2016 Account: *** Regarding Your Installment Loan Dear *** ***: We received a copy of the complaint you submitted to the Revdex.com regarding your installment loanWe
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 youOur records show that your installment loan ending in *** was closed as paid in full on May 17, However, we received and returned the following payments to you after your loan was closed as paid in full: Date Received Amount Date Returned Via Check Date Check Cashed 05/10/$05/23/06/09/16 06/09/$06/23/07/06/16 07/08/$07/22/08/04/16 The payments we received were not set up with Fifth Third BankTherefore, we are unable to stop the payments from being withdrawnYou will need to contact the bank the payments were set up with directly to cancel the paymentsIf we receive any additional payments going forward, the payments will be returned to you. Thank you for your patience while we conducted our researchIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.m. to p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

*** *** *** *** *** ** ***Date: January 11, 2016Account: ***Regarding Your Equity FlexLineDear *** ***:We received a copy of the complaint you filed with the Consumer Financial Protection Bureau and the Revdex.com regarding the lien for your property
We appreciate the time you have taken to express your thoughts and concerns regarding this matter.On behalf of the Bank, I apologize for the difficulties you have experienced with your accountIt was certainly not our intention to cause you any hardship or frustrationEnclosed, per your request, is a copy of your origination file for the account ending in ***It should be noted that the file contains a copy of the mortgage you signed when the loan was originated in We have been unable to locate the original mortgage; however, the title company who performed your loan closing has advised that the original was returned by the County unrecorded, possibly due to issues with the notary acknowledgment.In order to proceed with having the mortgage recorded, it is necessary to execute a new mortgagePlease contact Lee F., Bancorp Resolution Manager, at ###-###-####, to schedule a time to execute the document at your earliest convenience.We appreciate your patience whilewe researched this matter and apologize for any inconvenience this situation 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, Monica J.Office of the PresidentPc: Consumer Financial Protection Bureau Revdex.comEnclosures: Origination File

*** ** *** *** *** *** *** ** *** Date: March 2016 Account: *** Regarding Your Fifth Third Bank Installment Loan Dear *** ** ***: We received a copy of the complaint you filed with the Revdex.com (BB)
concerning your Fifth Third Bank installment loanWe appreciate the time you have taken to document your thoughts and concerns regarding our collection department. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused youIt was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. Your installment loan is considered past due for payment if we do not receive your total monthly payment by the due date indicated on your contractThe final calendar day of your grace period for the loan is not considered the due date for your payment obligationsThe grace period indicates when a late charge will be assessed to your account for a past due paymentThere is a fifteen (15) day grace period on the account, with a late charge assessed if the payment is not received prior to the end of the grace periodShould your loan become past due, your account may also be subject to derogatory credit bureau reporting. Please note that your installment loan is a simple interest loan, with interest accruing daily on unpaid principalWhen we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last paymentThen we apply the remaining funds to the unpaid principal balanceYour payment habits affect the amount of interest you pay over the life of your loanIf payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of your loanBecause less of your payments were applied to the principal balance, there may be a larger final payment due to the additional accrued interestPlease find enclosed a copy of your installment loan payment history for your records. This reflects a variance in the amount of principal and interest paid each month depending on the payment date. The telephone calls you received are made automatically when an account becomes past due. When making telephone calls our collection representatives should strive to resolve the issue in as timely a manner as possible in order to provide professional and accurate assistanceWe regret if all the service you received from our Collection Department did not meet the same high standard. Our records show that you talked to the Collection Department on February 19, Please note, at the time of the call, the Bank had not received your payment due February 4, 2016. Therefore, the agent explained that the February payment was past due, and the March payment due March 4, 2016, was soon to be dueThe agent did ask if you would like to make a payment for $This payment included your past due payment for February, the $late charge assessed on February 18, 2016, and your March 4, paymentPlease use the enclosed payment breakdown as verification of the amount due on February 19, The Bank received and posted your most recent payment on February 22, 2016. You may wish to consider using our Auto BillPayer service for your monthly paymentsAuto BillPayer enables you to have payments automatically deducted from your checking account each month on the due date or any date within the grace periodThis will eliminates the need to mail your payments and calls from our Collection Department during your grace periodYou also avoid the fee associated with phone paymentsIf you are interested in signing up for Auto BillPayer, please contact them directly at ###-###-####Customer service representatives are available Monday through Friday, a.mto p.m., ET. Your feedback is important to us, so that we can better understand how we can improve our service to youAdditionally, customer feedback is reviewed by our senior management as part of our ongoing commitment to improving our customers’ satisfaction. We value your relationship with Fifth Third Bank and appreciate the opportunity to respond to this matterIf I could be of further assistance to you, please call me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosures: payment breakdown, payment history

*** *** *** * *** *** *** *** *** *** ** *** Date: February 2, 2018 Account: *** Account: *** Account: *** Regarding Your Basic Checking Account Dear *** ***: We received a copy of the rebuttal complaint you filed with the Revdex.com (Revdex.com) regarding your closed Basic Checking account ending in ***We also received the complaint you submitted to the Federal Deposit Insurance Corporation (FDIC), which was forwarded to the Consumer Financial Protection Bureau (CFPB)We appreciate the time you have taken to document your additional 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 youHowever, we stand by the response conveyed to you in our previous letter dated January 24, I have enclosed a copy of that letter for your convenienceOur position on this matter has not changed. Thank you for your patience while waiting for a responseWe regret that you feel the need to close your accountsIf 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, Consumer Financial Protection Bureau Enclosure: Previous Response Letter

*** *** *** *** *** ** ***Date: July 6, 2015Account: ***Regarding Your Mortgage Loan ApplicationDear *** ***:We received a copy of your complaint
submitted to the Revdex.com concerning the length of time the origination process has taken for your mortgage loanPlease be assured that Fifth Third Bank takes your feedback seriously, and 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 frustration this matter may have caused youWe have researched the issue surrounding the processing delays you have experienced and found that there were multiple factors that caused the delay in the processing of your applicationThese factors included documentation delays, unforeseen title issues, and issues with the appraisal processingWe deeply regret the inconvenience these delays caused you.I have confirmed that the closing on your home occurred July 2, We hope the service you received at closing better exemplified the exceptional experience we strive to provide to our customersAdditionally, I want you to know that customer feedback is reviewed with our senior and executive management as part of our ongoing commitment to improving our operations.*** ***, I appreciate this opportunity to address your concerns and 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,Sarah S.Office of the PresidentPc: Revdex.com

*** ** *** *** *** *** *** ** *** Date: July 16, Regarding Your Health Savings Account Dear *** ** ***: We received a copy of your complaint filed with the
Revdex.com concerning your Health Savings Account (HSA)We appreciate the time you have taken to document your thoughts and concerns regarding this matterWhen a new HSA is opened, Fifth Third Bank provides each customer with a copy of the fee disclosure for the accountI have enclosed a copy of this disclosure for your reviewThis disclosure explains in detail the fees and requirements associated with the account, including, but not limited to, monthly service charges, check order fee and the account closure feeThe fee schedule for the account is also available on the HSA Employee Portal which is used to access your accountPer this fee disclosure, the lesser of $or the remaining balance in your account will be deducted at the time the account is closedAccording to the activity on your HSA, you requested to have your Health Savings Account closed on June 4, At that time, the balance in your HSA account was $The $that remained in the account was collected as the closure fee and the account was closed out on June 8, I hope this letter addresses all of your concerns and you are satisfied with the resolutionWe strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this 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., ETSincerely, Lisa S.Office of the PresidentPc: Revdex.comEnclosure: Health Savings Account Fee Disclosure