PROCORPSA

We have reviewed the customer’s rebuttal and determined no new information has been providedThe Bank has consistently responded to *** *** concernsUnless the customer can provide new information regarding his disputed transactions, he will need to work with the merchant I have
attached our last responses to the customer for your records. Thanks Pat S.Customer Care Team SpecialistFifth Third Bank | Office of the PresidentKingsley DriveMD 1MOCOPCincinnati, OH

*** *** *** *** *** *** *** *** *** *** ** *** Date: November 2, 2015 Account: *** Regarding Your Business Checking Account Dear *** ***: We received a copy of your complaint filed with the Revdex.com,
regarding the promotional credit for your checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerningOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youPlease be assured that I have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concernsWe strive to provide professional and accurate service to our customers and we regret if that has not been your experience. On May 15, 2015, you opened a Business Standard Checking account and a Business Relationship Savings account at the *** Financial CenterThe promotional offer effective at that time indicated that a cash bonus of $would be credited to the new Business Standard Checking account if an average balance of at least $1,was maintained for the first three (3) full months the account was openThe cash bonus would be credited to your checking account within six (6) weeks of completing the eligibility requirements. It should be noted that the promotional offer was not effective for the combined balance of your business accountsThe following deposits were made when your business accounts were opened: ? $deposit to Business Standard Checking ? $14,deposit to Business Relationship Savings After further review, we have confirmed that the required average balance of $1,was not maintained in your Business Standard Checking account for the first three (3) full months that the account was openCopies of your checking account statements from May to August are enclosed for your referenceUnfortunately, your account did not meet the promotional offer criteria and was not eligible to receive the cash bonus. *** ***, please be assured that it was not our intention to cause you any hardship or frustration. You 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 *** ***. Sincerely, Danielle S. Consumer Resolution Specialist Office of the President Enclosure: Statements

*** ***, We have provided a written response to this customer’s complaint and his initial rebuttal. This additional rebuttal does not provide any additional information and we stand by our previous responses.Therefore, we will not be responding to this second rebuttal. Thank you,Lisa S.| Fifth Third Bank Consumer Resolution Specialist| Office of the PresidentKingsley Dr, MD 1MOCOP, Cincinnati, OH

*** ** *** *** *** *** *** *** ** *** Date: March 2, 2016 Account: *** Regarding Your Checking Account Dear *** ** ***: We received a copy of the complaint filed with the Revdex.com regarding your
checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. When you initiate a transaction using your debit card, the merchant sends the transaction to Fifth Third Bank for authorizationIf the transaction is approved, the authorized funds are placed on hold and appear as a pending transaction, ensuring the funds remain available to the merchant until they finalize the transactionThis pending transaction will affect your available balanceA debit card transaction will post to your account when the merchant sends through their sales draft, which may be on a date different than the date of the actual transactionWe do not determine when a merchant will send their sales draft and therefore do not know when a debit card transaction will post to your checking accountHowever, if a transaction is cancelled, the authorization may stay on the checking account for up to five (5) business days. According to your complaint, an authorization was completed on your debit card connected to your checking account ending in ***The transaction was cancelled and you were requesting that the funds being held for that transaction be placed back into your checking accountWhen your complaint was received, I reviewed your checking account and the only pending transactions that were listed were completed on February 20, It appears that the pending transaction that you were referring to in your complaint was already released by the time we received your complaintOur review of your account also determined that your checking account did not receive any overdraft charges during this time. It was certainly not our intention to cause you any inconvenienceThank you for your business with Fifth Third Bank and we look forward to servicing all of your banking needs for many years to comeIf I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####. Sincerely, Lisa S. Office of the President Pc: Revdex.com

*** *** *** *** *** *** ** *** Date: February 11, 2016 Accounts: ***, *** Regarding Your Essential Checking Account and Platinum Credit Card Dear *** ***: We received a copy of the complaint you filed with the RevDex.com concerning your Essential Checking account and Platinum Credit CardWe 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, regarding the interest assessed to the account and the closing time of the banking center, we stand by the response conveyed to you in our previous letter sent to the above address on September 9, Our position on these matters has not changed, and we are unable to accommodate your request to waive additional interest that was assessed to the account. I have enclosed a copy of this correspondence for your convenience. You also mentioned a concern that the credit limit of the Platinum Credit Card was decreasedIn order to meet our commitment to responsible lending practices while balancing our customers’ financial needs, Fifth Third Bank periodically reviews your credit bureau information and existing account performance in order to determine your current financial condition and continuing eligibility for your credit card accountIn your case, our recent review of this information determined that it was necessary to reduce your credit limit from $4,to $4,This decision was based on information obtained from TransUnion, and the enclosed notice was sent to you on December 4, 2015. We also completed a review of the Essential Checking account ending in ***Please note that each account has a specific routing number based on the banking center that houses the accountWhen an ACH payment request is sent to the Bank, the accurate routing and account numbers are requiredIn the event that the routing or account number is incorrect, the Bank is unable to determine which account the request belongs toThe routing number for your Essential Checking account is ***For future reference, if you wish to obtain the routing number for your account, please contact our Customer Service Department at ###-###-####, Monday through Friday, a.mto p.m., and Saturday, 8:a.mto p.m., ETOur review has determined there was no Bank error in providing the routing numberTherefore, we are unable to accommodate your request to waive the *** *** expenses and interest assessed to the Platinum Credit CardI am sorry for any frustration this may cause you. Regarding the student status for the Essential Checking account, please refer to pages two (2) and four (4) of the enclosed Rules and Regulations that were provided at account opening for additional details regarding the expiration of the student discountThis information was also explained on the account statements from September 21, 2015, October 21, 2015, November 20, 2015, December 21, 2015, and January 21, 2016, the student discount on the account expired on December 31, As of January 1, 2016, the student discount for the account has expiredTo renew this status, please visit your nearest banking center with avalid student IDIf the student status is not renewed, the account will be assessed the $monthly service fee; however, there will be no monthly service charge if you maintain a combined monthly average balance of $1,I have enclosed information for the Essential Checking account explaining the options available to waive the monthly service fee. 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 Enclosure: Credit Limit Notice, Rules and Regulations, Essential Checking Account

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. For your reference, details of the offer I reviewed appear below
I was contacted again by Armstrong last weeki did inform them that there have been no slowdowns since their last visitMy complaint remains that during the past 6-months prior to the last visit Armstrong denied they had an issue and did not address the problemI had called in at least three times over the past 6-months complaining of the slowdown and describing it in detail but Armstrong was unresponsive and denied any issuesNow suddenly after contacting the Revdex.com the issue seems to be resolvedI believe I am entitled to an additional two months of credit based on the fact that on several occasions I did not receive the services I have contracted and paid forDuring these slow downs the internet was unuseableThe representative that called last week was aware of all of these claims and agreed that some additional credit was due and said he would check with his supervisorNow armostrong is trying to close the case without addressing the credit
Regards,
*** ***

*** ** *** *** ** ** *** ** *** Date: June 24, 2016 Regarding Your Revdex.com Complaint Dear *** ** ***: We received a copy of your complaint filed with the Revdex.com regarding your request for a mortgage prequalificationWe appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the frustration you experienced regarding this matterHowever, we stand by our previous correspondence dated June 20, 2016, regarding your concerns about a second (2nd) inquiry having been processedPlease be assured that as previously advised, we did not process any additional credit bureau inquiries regarding a mortgage pre-approval requestWe only processed the inquiries associated with the first (1st) request for a pre-approval. If after reviewing his credit report your husband determines there are two (2) inquiries from Fifth Third Bank related to the mortgage pre-approval request, please submit a copy of the relevant portion of his credit report to the Bank so we can further review the matterThe requested documentation can be mailed to our address listed aboveIt can also be faxed to my attention at ###-###-####. 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

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. For your reference, details of the offer I reviewed appear below
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. I have closed my account with 5/BankAs far as I'm concerned, they have taken money from my account without communicating to me that they were doing so and without permissionTheir policies should be kept the same as when the customer originally opened the account and if not, they should make sure their customers are notified when the policies changeI hope someone (especially someone living off a low income, like me) who is in the process of selecting an institution to conduct banking with will be able to access my feedback and know the financial stress they've caused me which could have been much worse if I hadn't caught it when I had
Regards,
*** ***

*** *** *** * *** *** *** *** ** *** Date: April 27, 2017 Account: *** Regarding Your Secured MasterCard Account Dear *** ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your
MasterCard accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Thank you for taking the time to speak to me about the accountWe filed a dispute under case number *** regarding the $cash you deposited at an Automated Teller Machine (ATM) on April 9, 2017, for your credit card payment that was not posted to the accountPlease be advised that the Bank is allowed ten (10) business days to provide provisional credit for a Personal Identification Number (PIN) based disputeWe quoted that we would process the $provisional credit within four (4) to five (5) business days of the date you filed the dispute on April 10, 2017, which is within the required timeframeThis type of dispute can take up to forty-five (45) days to be completedI confirmed that the $200.00 provisional credit was applied to the credit card account on April 17, 2017, which was the fifth (5th) business day after you filed the dispute. Please be assured that your dispute has been approved and the provisional credit is now a final creditEnclosed is a copy of the approval letter that was sent to youI waived the $late payment fee from your account because it would not have been charged if your payment had been applied correctly via the ATMAdditionally, I waived the $late payment fee assessed for the late March payment as a courtesyWe adjusted the $payment to credit your account for the extra interest that accrued from the payment date until the payment was credited on April 17, The $in interest owed to you was credited to the account on April 24, 2017. We discussed the high limit being reported to the credit reporting agencies for this account. Because of the missing payment, the high credit balance reported is $However, this is because of our ATM errorI confirmed that the previous highest balance on the credit card was $as of March 10, I submitted an update to all four (4) credit reporting agencies to update the high balance to $As we discussed, there are no late payments listed on your credit report as a result of the missing paymentPlease allow approximately thirty (30) days for the credit reporting agencies to update their high balance reportingIf you would like to contact the credit reporting agencies directly, their contact information is listed below: ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Dispute Letter

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,
*** ***
They would not return my calls then sent me a letter and saying the teller messed up part of my deposit and they can’t find the other half

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
The banks claim is that I had access to the accountI did notWhen I closed the savings account I also asked to chase this account closedI was told it would remain only I my daughters nameThe mail they claimed to have send me was not sent until this claim was filedWhen I became aware of the issue with the account I tried calling the bank and I was told by a representative and that person's manager that I had no access to the account. After I closed the savings account this account was not available for me to view when I logged onto the banks networkThis account did not become available for me to view until there was already action taken on the account and so I was not aware of any issue prior to that. There has not been a full investigation by the bank on this matterWhat they are doing is considered defamation of character as it could restrict my ability to work due to the industry that I work in. I have not signed any checks that did not clearI have not written any checks that did not clear and I have not deposited any money that did not clearIt is the banks reasonable and expected obligation to place the necessary blame on who it belongs to. This is unacceptable and if not rectified through this action I will continue with other agencies until it is. They should be ashamed of themselves for doing this to someone that has banked with them for years I have never abused my account and to not receive a phone call regarding this issue is shameful. I have tried calling the collection agency and the collection agency says it is under my daughters name and they can only speak to her. This has caused me lost time and stress for something that the bank could have called me aboutMy number is listed with the bank and has not changed. If there was no response to letters I would reasonably assume that this would be the next option.
I am asking again to have my name removed from the *** database and any negative or derogatory information removedAfter that I would be more than happy to close all of my accounts with this bank and take my business elsewhereThe bank knows that I cannot move my accounts with this information listed under my name, so I have no choice but to remain with them, yet they obviously have no value or consideration for me as a customer.
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,
*** *** I reject this message very generic will never do business with 53rd again you guys need to honor this fraud claim I have many members of my family who bank here they are all pulling there bank accounts from fifth third because of thisYou guys are losing personal accounts and business accountsJust hope you know by the way you do business you will lose a lot more accounts

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. For your reference, details of the offer I reviewed appear below
I have spoke with an attorney regarding being assessed 3x the amount owed After updating I will be in direct contact.Thank you,,
*** ***

*** ** *** *** *** *** ** ***Date: June 18, Account: ***Re:
Denial of Debt Card DisputeDear
*** ** ***:Thank you for contacting the Revdex.com regarding a
debit card dispute posting to your checking account ending ***We appreciate
the time
you have taken to express your concerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for the
difficulties you have experienced with your debit card disputeIt 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
I also want you to know that customer feedback is reviewed by our senior and
executive management teams as part of our ongoing commitment to improving our
customers’ satisfaction.Our disputes department can take up to days to resolve issues that
are brought to our attention by customersWe did open a dispute case,
#***, on your behalf, but unfortunately the claim was deniedYou were
given the opportunity to again dispute the denial but the paperwork that you
submitted was incomplete and not received within the required time frame for us
to assist you with a further dispute of the purchaseIn our correspondence
with you dated May 13, 2015, you were advised that you are able to contact our
disputes department to receive copies of any documentation that was used for
our investigation of your disputeI have enclosed a copy of that letter for
your records and reviewOn May 15, you contacted our disputes department
with Fifth Third BankYou were advised at that time that for us to work with
you to overturn the decision, we would need proof of the return of the
merchandise within fifteen (15) daysAs of June 1, we had not received
that verificationWe did receive a document on June 15, 2015, but it did not
contain proof of the return.In addition to the letter dated May 13, in which we informed
you of the denial, I am also including the letter sent to you on June 1,
in which you were advised again that you could receive copies of the documents
used for our investigation of the disputeAlso included is documentation that
was used for our case concerning your dispute of the debit card transaction.The company you purchased your product from
is who you will need to dispute the purchase with from this time forwardWe
have concluded our investigation of your disputeAs stated in your complaint,
you still have the merchandiseWith you still having the merchandise, the
company had no obligation to refund to Fifth Third Bank the money spent with
their companySince the item was purchased through Paypal, you may want to
contact Paypal about your dispute with the company with whom you made your
purchase.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,*** ***Office of the PresidentEnclosures: Dispute Letter, Denial Letter,
Merchant Response

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,
*** ***

Hello ***, I received your message regarding *** ***’ complaintWe received additional contact from *** *** and are in the process of drafting a responseOur position on the matter has not changedPlease let me know if you have any additional questions. Thank you, Elizabeth D| Fifth Third Bank

*** *** ***
*** *** *** ***
*** *
*** ** *** Date: January 11, 2016 Account: *** Regarding Your Recent Deposit Dear *** *** ***: We received a copy of your complaint submitted to the Revdex.com concerning your
recent direct depositPlease 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 you. We have researched the issue surrounding the direct deposit you state was missing from December 31, 2015, and have found that a direct deposit of $was presented on that date, but returned to the sender via trace number *** due to the checking account ending in *** having been closed on December 29, We deeply regret any inconvenience this may have caused, but encourage you to revisit this matter with your employer if you have not already done so. *** ***, 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 President

*** ** *** *** *** *** ** *** *** *** ** *** Date: March 21, 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. Your loan originated on September 7, 2015, with an origination amount of $45,The first payment was due December 6, 2015, with additional payments due on the 6th of the month for a total of seventy-five (75) monthsThe loan maturity date is February 6, There is a ten (10) day grace period on the loan and a late fee charge of $34.85, if the payment does not post to the account by the 16th of the month. Whenever possible, a payment should be made on or before the due date of your account - in this case the 6th of each monthIf your payment is made on your due date and your due date falls on or just before a weekend or holiday, then your payment would post before any late fees are charged because of the grace periodIf a payment does not post by the due date, it is considered delinquent and is subject to collection activityThe Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8:AM until 9:PM, including holidaysSeveral calls may be placed each day in an effort to obtain a payment or to arrange suitable payment arrangementsIn order to avoid these calls, please ensure your payment is posted by the due dateOn behalf of the Bank, please accept my sincere apology for any inconvenience or concern this situation may have caused you. You may wish to consider using our Auto BillPayer serviceAuto BillPayer is a free service that automatically deducts payments from your checking account each month on the due date or any date within the grace periodThis avoids the fee associated with phone payments and eliminates the need to mail your paymentsIf you use Auto BillPayer and a payment date is setup every month during the grace period, our Collection Department will not contact you during the grace periodYou can change the date that your payment is pulled by calling the Auto BillPayer Department two (2) business days before your payment is scheduled to be draftedIf you are interested in signing up for Auto BillPayer, please contact them directly at ###-###-####, Monday through Friday, a.mto p.m., ET. *** ***, on behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youIt is not our intention to cause you any hardshipYou 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, 8 a.mto p.m., ET. Sincerely, Jennifer C. Office of the President Pc: Revdex.com Enclosure: Security Agreement

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint
They obviously don't read everythingLike I said they gave us a load of *** and lied because their employee did not want To do his jobWe had no problem running multiple apps through other banksI will NEVER be a constomer with these liars.
Regards,
*** ***