PROCORPSA

[redacted] Date: March 29, 2018 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your mortgage loan....

We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. 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. We completed a review of your account ending in [redacted]. Our records indicate that on December 12, 2017, a property tax payment in the amount of $1,016.22 was disbursed from your escrow account and paid to [redacted] County. Please find enclosed the [redacted] County property tax bill, which states that your property tax payment due by January 31, 2018, has been satisfied and that no additional payments are required to satisfy that due date. If you have received an additional tax bill, it may be a supplemental tax bill. Please note that supplemental tax bills are generally mailed only to the property owner(s) and issuing a payment is the responsibility of the homeowner. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Office of the President Pc: Revdex.com Enclosure: Tax Bill

[redacted] 
[redacted] Date: August 2, 2016 Account: [redacted] Regarding Your Credit Card Account Dear [redacted]: We received a copy of the complaint that you filed with the Revdex.com concerning...

the information reporting on your credit report for your account. We appreciate the time you have taken to document your concerns. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to assist you. We have completed our review of the payment history being reported for your account and determined it is accurate. Specifically, no payments posted to the account for the May, June, or July payments. You brought the account current with your payment of $360.00 on July 26, 2016. The payment address you referred to within your complaint is correct and is the same one listed on the monthly account statement. If you have retained copies of the returned envelopes, we would appreciate the chance to review them further. Please forward that paperwork to the following address: Fifth Third Bank 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 You can also fax this information to my attention directly at ###-###-####. Our Collection Department begins making calls to customers when a payment is not received by the due date. They are a failsafe the Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. Several calls may be placed each day; however, a message is not left with every call. Our records indicate that our attempts to reach you at the telephone numbers on file were unsuccessful. We regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to remove prior unfavorable reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: Equifax ###-###-#### Experian ###-###-#### TransUnion ###-###-#### Innovis ###-###-#### We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this matter may have caused you. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

[redacted] Date: April 10, 2018Account: [redacted] Account: [redacted] Regarding Your Checking Accounts Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your checking...

accounts. We 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 checking account. It was certainly not our intention to cause you any hardship. We 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 concerns are 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 accounts ending in [redacted]. As you performed the activities required by the promotional offer by depositing $2,000.00 within forty-five (45) days of account opening and maintained the balance for sixty (60) days, your account is eligible for the cash bonus. I have confirmed that your account ending in [redacted] received a cash bonus credit of $1,000.00 on March 29, 2018. We regret any frustration the delay in receiving this bonus may have caused you. We have also reviewed your account ending in [redacted]. Although your account did not maintain the required balance of $500.00 for sixty (60) days, the only transaction that brought your balance below the minimum requirement was a monthly service fee. As a result, we applied the cash bonus amount of $300.00 to your account on March 30, 2018. We have also reviewed your request to waive the monthly service fees on your account. On April 3, 2018, in the interest of customer service, monthly service fees in the amount of $11.00 were credited to your account ending in [redacted] and monthly service fees totaling $15.00 were credited to your account ending in [redacted]. I have also enclosed your most recent statements for both accounts, which explain the ways to waive the monthly service charges on page one (1) of each statement. As there were no errors with the remaining fees assessed to your account ending in [redacted], we are not willing to waive additional fees at this time. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Office of the President Pc: Revdex.com

[redacted] Date: August 5, 2016 Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Fifth Third Bank Accounts Dear [redacted]: We received a copy of your...

complaint filed with the Revdex.com (Revdex.com) regarding your checking and credit card accounts. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On April 27, 2015, a $750.00 check that you deposited at an Automated Teller Machine (ATM) posted to your checking account ending [redacted]. The check was returned as unpaid because the paying Bank could not locate a valid account associated with the check. A copy of the returned deposit item is enclosed for your review. Because the check was returned for “unable to locate account,” as well as the account’s prior history of overdrafts, our Bank Protection Department made the decision to close your accounts with the Bank. I am sorry for the distress and inconvenience this caused you. Enclosed is a copy of the Terms and Conditions for your checking account. Page ten (10), section eight (8), of the Terms and Conditions states that the Bank may close the account of any customer at any time. Also enclosed is a copy of the account closure letter. Due to the account activity of depositing a check for which the account could not be located, we reported the activity to the intra-Bank monitoring service Early Warning Services. The information can remain on file with Early Warning Services for up to seven (7) years. Typically, banks will check with Early Warning Services when customers apply to open accounts with them. Different banks may have policies in place to not open accounts for customers who have information reported to Early Warning Services. I am sorry for the difficulties you have experienced while attempting to open new bank accounts. We are unwilling to remove the accurate information that was reported. I certainly understand the frustration and difficulties you experienced due to needing to find a new bank, but being unable to do so. Please be assured that it was not our intention to cause you distress. Our Bank Protection Department is tasked with protecting that Bank’s and our customers’ interests. I confirmed that your account was not closed until May 27, 2015, to allow you time to move your automatic debits and direct deposits to a different account. Typically, if we close a customer’s banking relationship with us, all of their accounts are closed. However, your Access 360 prepaid card was permitted to remain open. I am sorry if you are having trouble with the account. Enclosed is a copy of the terms and conditions for the Access 360 account. If you have questions about the account, please feel free to contact our servicer for the account, [redacted], at ###-###-####. That department is open twenty-four (24) hours a day, seven (7) days a week. You mentioned that you spoke to a banking center manager about the account closure. The manager advised they would look into it for you but did not give you information for approximately a month, at which time they advised there was nothing they could do. Unfortunately, I was unable to determine to which banking center manager you spoke. If you are able to provide the manager’s name, or the name of the banking center they worked at, I would be happy to further research your concerns. I can be reached using our address listed above, my phone number listed below, or via fax at ###-###-####. You also expressed concerns about your Secured [redacted] account ending in [redacted]. Your credit card account was opened on March 5, 2015. Enclosed for your review is a copy of the terms and conditions for the account. The Secured [redacted] requires that funds equaling the credit limit for the card be on hold in a savings account. The credit limit for your Secured [redacted] was $300.00. There was $300.00 on hold to secure the credit card in your savings account ending in [redacted]. Enclosed for your review are all of the statements issued to you for this credit card account. After reviewing the account, we determined that not all payments were received by the due date. Per the enclosed statements, we did not receive payment for the payments due in July 2015, September 2015, October 2015, and December 2015. The payments we received in January 2016, and February 2016 were insufficient to cover the minimum payment due. The payment we received in May 2016 was received after the due date of May 24, 2016. A total of $200.00 in late fees was correctly applied to the account for the late payments. $60.00 in late fees was waived from the account as a courtesy. We are unwilling to waive additional fees from the credit card account at this time. You mentioned that you called the Bank regarding your account. Unfortunately, I was unable to locate record of any customer service agents accessing your account, or any recorded phone calls with the Bank. Enclosed is a copy of the Fifth Third Bank Card Agreement for [redacted] and Visa. Page four (4), section twenty-one (21), states that the Bank may revoke your right to use the credit card at any time, for any reason, without providing notice to you. Section twenty-two (22) states that you are in default of the Card Agreement if you fail to make the minimum payment due by the due date. Page five (5), section twenty-three (23), of the agreement states that if your account is in default that we may terminate your account and cancel all cards. Your credit card was closed by the Bank, which we refer to as being revoked, on November 12, 2015, due to the delinquency on the account. At that time, we had not received your $37.74 payment that was due by September 24, 2015, or the $120.83 payment that was due on October 24, 2015. I am sorry for the distress you experienced because we closed the account and it could no longer can be used. Please be advised that you are still responsible for repaying the balance owed to the Bank even if the account is closed. Page four (4), section eighteen (18), of the Card Agreement states that you promise to pay the Bank in full for all transactions on the account including fees, finance charges and other charges. Your responsibility to repay the debt is not removed if we have to close the account due to non-payment. For this reason, we continue to issue monthly account statements while the account has an outstanding balance owed as required by law. When the Bank closes a credit account, the account is reported as closed by the grantor to the credit reporting agencies. This information may have a negative effect on the credit score. Additionally, we confirmed that your payment that was due on September 24, 2015, was not paid until November 24, 2015. Because the payment was received more than thirty (30) days after the due date, a thirty (30) day delinquency was reported to the credit reporting agencies. I verified that the delinquency and the account closure status reported to the credit reporting agencies is correct. We regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to remove the revoked status or the late payment reported. Please note that Fifth Third Bank does not determine or calculate your credit score. Each credit reporting agency calculates your credit score per their own guidelines based on the information reported. We report the status of the account every month, and the credit reporting agency utilizes that information to determine your credit score. I confirmed the outstanding balance owed on the Secured [redacted] as of May 27, 2016, was $104.64. The Bank utilized $105.64 from the secured funds in the savings account ending in [redacted] to pay the card balance in full, including the $1.00 minimum finance charge that would be due for that statement cycle. After the minimum finance charge was applied on June 27, 2016, the balance owed on the credit card was zero (0). There are no additional funds owed for this account. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna T. Office of the President Pc: Revdex.com Enclosure: Checking Account Statements (3), Overdraft Notices (9), Checking Account Terms and Conditions, Account Closure Letter, Returned Deposit Image, Access 360 Terms and Conditions, [redacted] Terms and Conditions

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Regards,
[redacted]Problem: I first contacted Revdex.com A FEW WEEKS BACK ONLY SPOKE TO THE PRESIDENT OFFICE ONE TIME NOTHING HAS GOTTEN RESOLVED NOONE IS FIXING THIS ISSUE IT IS ON GOING AND BRANDY FROM THE PRESIDENT OFFICE DOESNT DO NOTHING AND THEY ILLEGALLY HAD AN EMPLOYEE EMAIL ME STATING HE WAS FROM UNDER WRITTERS DEPARTMENT WHICH HE WASNT AND FALSELY INFORMATION ON MY TAXES AND FAILING TO ADD MY HUSBAND TO MY APPLICATION FOR ALOT OF T’S AND DOTTED I’S THAT ARE NOT BEING CORRECTED THIS ISSUE IS ON GOING AND NEEDS IMMEDIATE ATTENTION ASAP FOR WORK THAT IS NOT PROPERLY BEING DONE AND I RECEIVED AN EMAIL FROM CHRISTPOHER C[redacted] STATING TO GET FINANCING THROUGH ANOTHER BANK IS THIS LEGAL HOW THEY TREAT PEOPLE!!!!!!NEED RESOLVED ASAP NOTHING IS GETTING DONE SINCE MY LAST COMPLAINT WITH Revdex.com THANK YOU IF THEY ARE FAILING TO LEGALLY DO THE PROPER WORK A FULL REFUND WILL BE APPROPRIATED AND NOT LET THIS ISSUE ACCUR WITH ANY ONE ELSE THEY TAKE ADVANTAGE OF THE PEOPLE VERY RUDE AND NOT HELPFUL NOT EVEN FROM THE PRESIDENT OFFICEDesired Outcome: RESOLVE THIS ISSUE ASAP IT IS REOCCURRING

[redacted] Date: April 14, 2017 Account: [redacted] Regarding Your Trust Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your trust account....

We 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 matter. Enclosed is a copy of the 2016 K-1 Tax Form that we mailed to your address listed above on March 28, 2017. Our records reflect that the K-1 Tax Form for 2015 was mailed to your address listed above on April 9, 2016. K-1 Tax Forms require more time to create and issue. IRS Regulations state that the K-1 forms are to be mailed upon completion of the 1041 Fiduciary return. That 1041 Fiduciary return is due on April 18. The IRS does allow for a five and a half month extension, if needed. I am sorry for the inconvenience of having to file tax extensions. Please note that you brought your Individual Retirement Account (IRA) to the Bank in February 2016. Because we did not make any disbursements from the IRA in 2016, we did not issue a 1099-R Tax Form for 2016. The IRA was transferred to us from US Bank. US Bank would be responsible for issuing the 1099-R Tax Form for 2016, and would have been responsible for issuing the form in 2015 as well. We will issue a 1099-R Tax form in 2018 that covers the 2017 tax year. If you have questions in the future about the Trust account or the IRA, please contact Private Client Services at ###-###-#### and ask for Marian O. However, if Ms. O. is unavailable, anyone at that phone number can assist you. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H. Office of the President Pc: Revdex.com Enclosure: Tax Form

Revdex.com:At this point we have already jumped through all of the additional hurdles created by 5th3rd. The professionalism of their manager(s) was lacking and combative. At this point we have resolved this issue on our own and would simply like to note the experience as bad. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   There are MATERIAL FALSEHOODS IN THE RESPONSE.1)  The application completion was done at the branch on 4/15/17.  There were 2 problems: the first application, she did something to cause it to fail to be saved.  We started again; perhaps that should have been a warning.  Once the second application was done, the "system" would NOT allow for printing out of the documents, and I made arrangements to stop by on 4/18/17 to finally pick up the paperwork.  I did not review it on 4/18 at the branch or at home, as I was not available to do so.  I never should have left the office without reviewing them.  I found out on 4/19 around 7 pm that there was a MAJOR problem with the paperwork, that being the loan was not the one I wanted.  I called Ms. B. on 4/20 at 10:24 am, as per my cell phone call log-it was a 7 minute call, and explained the problem.   I was assured repeatedly that there would be no problem changing to the correct loan, and I asked, repeatedly about my credit being hit, for which I was also told there was no reason to do so again.  I made it abundantly clear that I did not think that was the case.  I found out later that same day, around 4:40pm when she called me at home to confirm that yes, there was a problem, and it was exactly the same one I told her would happen:  my credit would be hit again for an inquiry (5 points).  I was livid.  I demanded in that phone call, and a subsequent one closer to 5pm, that I wanted direct phone numbers to headquarters so I could file a formal complaint against her.  All I got was that I "had to let things go thru the proper channels".  Why, so she could falsify information?  No, I began to file a complaint with Revdex.com when even the 800 line for Fifth Third refused to help me with anything.2)  Ms. B. NEVER called me on 4/18.  I came to her office to pick up the paperwork at the agreed upon time after the Saturday printing problems - around 4:30 pm.  As noted above, I failed to look at the papers at the office.  The only time she called me was AFTER I brought up the problem and she said she would check into it.  There is NO call made to my cell number, nor was there a voice mail at my home phone when I got home around 5:30 pm on 4/18.  After returning home around 11 pm that night after going out, there was no voice mail on my home phone either.3)  I was the one who notified Ms. B. of the problem.  She was unaware of the problem until I called her on 4/20, as per above.  So if she says she knew of the problem on 4/18, what the [redacted] did she do because she never called me about it, nor when I picked up the paperwork on 4/18, she NEVER said anything then either. So when on 4/18 did she become "aware" of the problem?  The "response" says she  became aware of the problem on 4/18.  Fat chance, since she had ample opportunity to tell me when I was there, and she DID NOT!As for the records deletion, I frankly do not believe the explanation at all.As for the documents Fifth Third has, that is something I do not believe.  They have credit histories on me; they ran them on 4/15 while the application, or should I say, applications, were being done.  I want them too...all of them.  I don't care if there are 'scoring' things of no interest to me or that I cannot decipher, I demand to receive copies nonetheless, as I want to be able to compare detail info "they" got to what I will get when I get my free reports, as per federal and Georgia state law.As for what happens to Ms. B., frankly the excuse I got from Mr. P. on 4/21 at 4:42 pm (after the Revdex.com complaint was received; it was a 24+ minute call that covered the sequence of events) and on 5/3 at 4:36 pm (which was an 11+ minute phone call that also recovered the sequence of events and included a discussion re: the incorrect timing per Ms. B.s version of events), that she was "new", holds no water with me.  If she was that "new", she should never had been on her own doing banking business with customers.  Period.  The fact that they failed to advise that happened to Ms. B., not even that appropriate re-training was occurring, concerns me, since she is apparently free to pull the same crap as she has done with me.If Fifth Third wants to see my call logs to the branch, ###-###-####, and Mr. P.'s phone number, ###-###-####, I will be happy, along with my attorney, to meet with them to show them to them.The response if not only not accepted, it is outright REJECTED!
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   I would like it noted that the policy of having [redacted] or any other vendor on a 3 way call is time wasted by me, by the Fifth Third representative and [redacted] admitted the mistake but the Fifth Third representative still refused to credit the money back. ]
Regards,
[redacted]

[redacted] Date: March 3, 2016 Account: [redacted] Regarding Your Real Life Rewards [redacted] Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com. We appreciate...

the time you have taken to document your thoughts and concerns regarding this matter. Please 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 me. Your feedback is important so that we can better understand how to improve our service to you. We 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 matter. I have shared the information you brought to our attention with the management of the Disputes Resolution Department. Additionally, our senior management regularly reviews customer feedback as part of our ongoing commitment to improving our operations. On August 17, 2015, our Disputes Resolution department opened case ([redacted]) regarding a purchase you made on June 3, 2015, with [redacted] for $750.00. You stated in your dispute that you never received goods or services from the merchant. In a letter sent on September 19, 2015, we informed you of our findings after investigating the credit card transaction that you disputed. We determined that the transaction you disputed was authorized. The merchant was able to provide a copy of the transaction receipt, Attorney agreement for representation, detail letter, notice of appearance, court order, order on motion to withdrawal as counsel of defendant, and detail letter. The letter we sent you indicated that you had ten (10) business days to provide us with an updated letter addressing the merchants’ rebuttal, including any documents you had to support your case. Our records indicate that the requested letter was never received by the Bank and your case was denied as of September 18, 2015. On February 27, 2016, you sent me the letter that you faxed to the disputes department in response to the letter they sent you on September 19, 2015. You indicated in your email to me that you spoke to a disputes department representative on September 30, 2015, who confirmed that your fax was received. You also provided a fax confirmation from September 30, 2015, for the document you faxed to the disputes department. After reviewing the information you provided, we have decided to re-open your dispute case and review the documents you provided. After the review process is complete, the disputes department will send you notification of their final decision. If you would like to contact the disputes department directly, you can call them at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., Saturday, 8:30 a.m. to 5 p.m., ET. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. [redacted], it was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C.Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
I lost $526 because I was not given the chance to bring my account current to $0.  Furthermore, the date I closed the account should have stood as that date, and NOTHING should have forced it open.  This decision cost me money and I am now out 526.00 because no one couldn't do their job right.  I am going to be closing this account and severing my relationship with Fifth Third.
Regards,
[redacted]

Revdex.com:
I have reviewed the business's response to my complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Received a letter from The Office of the President regarding the dispute our business had with Fifth Third/ [redacted]. One of the complaint we filed was about the intials on page 3 of 4 was not ours but that of the sales representative or someone who illegally initialed the contract after we signed it. They did not have evidence that initials on the contract was ours and after doing their “investigation” was found to not be an issue. [redacted] investigated and say that we intialed the contract, but it are saying it wasn’t our initials. We wouldn’t have left a merchant who wasn’t charging an annual fee to one that does. They refused to speak to me but sent a letter instead to my husband that there would be no reimbursement because they found no fault. I would like to let this matter go. But we will discuss this with a lawyer and may have to bring it to civil court. Of course this is our word against theirs. Or we may let sleeping dogs lie. Until they come across someone who won’t let this matter go away. I hope all small business owners learn to depend on their gut instinct and not let others cloud their view on what’s right and wrong. We have to be hopeful that our fight as the underdog can get through to the corporate world.
Regards,
[redacted]

[redacted] Date: March 24, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your Essential Checking...

account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. We strive to provide exceptional service, and I am sorry that was not your experience. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. 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. Fifth Third Bank Essential Checking accounts offer no monthly service charges for students aged sixteen (16) and above. The student discount will expire on December 31st the year the customer turns twenty-three (23). If necessary, it can be extended for one (1) year at a time upon verification of student status with a valid student ID. The student status on your Essential Checking account ending in [redacted] expired on December 31, 2016. In order to continue receiving the student fee waiver you will need to visit a Fifth Third Bank banking center to provide a valid student ID. Once you provide verification, the student status will expire again on December 31, 2017, and you will need to verify your student status again to continue receiving the student fee waiver. It was certainly not our intention to cause you any hardship. In the interest of customer service, we waived monthly service charges totaling $15.00. We are unable to waive any additional fees per our bank policy. Thank you for your patience while we conducted our research. You are a valued customer, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

Hi [redacted]: Unfortunately, the Bank has exhausted our research efforts on this matter and I have informed the customer of the same. While we have not satisfied the customer, the matter is considered closed. Let me know if you need anything further.Thank you,Alison S.Customer Care Team SpecialistFifth Third Bank | Office of the PresidentPhone: ###-###-####

[redacted] Date: June 20, 2016 Account: [redacted] Regarding Your Real Life Rewards [redacted] Dear [redacted]: We received a copy of your rebuttal recently filed with the Revdex.com. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your feedback is important so that we can better understand how to improve our service to you. We 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 matter. [redacted], as I stated in our previous conversation, the Bank made an exception with your disputes case ([redacted]) and allowed the documentation you faxed to the Bank on September 30, 2015, to be reexamined. However, your disputes case remained closed during that process. The merchant involved in your dispute provided the Bank with a copy of the transaction receipt, Attorney agreement for representation, notice of appearance, court order, order on motion to withdrawal as counsel of defendant and detailed letter as proof of the validity of the charge. According to [redacted] regulations, if you would like to pursue this further, you will need to send our Disputes department an updated letter addressing the merchants’ rebuttal, including any documents you may have to support your case. Unfortunately, with the information provided to date, your dispute case will remain denied. If you would like to contact the disputes department directly, you can call them at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., Saturday, 8:30 a.m. to 5 p.m., ET. On March 30, 2016, I stated in a letter to you that the Disputes Department would send you notification of their final decision once the process was complete. However, I recently discovered that final notification does not get mailed in this type of situation. On behalf of the Bank, please accept my sincere apologies that I provided you with inaccurate information. As I stated in my previous response, in the interest of customer service, we extended the promotional rate of 0.00% for purchases and balance transfers on your Real Life Rewards [redacted] ending in [redacted]. We extended the expiration date to September 29, 2016, to provide you with extra time at the promotional rate if we were unable to approve your disputes case per [redacted] regulations. On behalf of the Bank, please accept my sincere apologies for the length of time it took to resolve your dispute. It was truly not our intention to cause you and hardship or inconvenience. [redacted], I understand your frustration with the situation and we appreciate your patience while we researched this matter for you. Your feedback helps us to identify problems and to improve the level of service we provide to our customers. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C. Office of the President Enclosure (1): Previous Response

[redacted] Date: March 29, 2018 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. Your request was referred...

to this office for review and response. We 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 case was opened with our Dispute Resolutions Department on Saturday, March 24, 2018, to research your missing Automated Teller Machine (ATM) deposit. The case number is [redacted]. We also provisionally credited the checking account for $1,240.00 on Monday, March 26, 2018. This credit is available for your use while we research the claim. The provisional credit will either become permanent or be removed depending upon the results of our investigation. Your checking account did not become overdrawn over the weekend, and no overdraft fees were charged. We strive to resolve all investigations as quickly as possible and will communicate the results of the investigation in writing once our research is complete. If you would like to contact our Dispute Resolution Department to follow up on your claim, they can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. We strive to provide professional and accurate service, and I apologize for any inconvenience this may have caused you. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

[redacted] Date: December 2, 2016 Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted]: We received a copy of your complaint filed with the [redacted]...

and the Revdex.com (Revdex.com) regarding your mortgage loan account. We 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 and difficulties you experienced regarding your recent escrow analysis. Enclosed is a copy of our previous correspondence dated November 23, 2016, regarding this matter. We confirmed that your insurance payment was listed twice. The analysis has been corrected and a $359.63 surplus was sent to you in the form of a check on November 18, 2016. An additional surplus of $27.30 was spread out over the next twelve (12) months per the November 21, 2016, analysis. You mentioned in your complaints to the [redacted] and Revdex.com that the Bank was holding more than two (2) months of escrow payment in your escrow account. Please be advised that the Real Estate Settlement Procedures Act (RESPA) allows the Bank to maintain an escrow cushion equal to two (2) months of escrow payment minus any Private Mortgage Insurance (PMI) payments. This means that if the projected monthly escrow balance falls below the cushion amount at any time during the twelve (12) month analysis period, there is an escrow shortage. This does not mean that the balance in the escrow account cannot exceed the cushion amount. It is likely that in the process of collecting the funds needed to pay the escrow obligations, the escrow balance will exceed the minimum cushion amount. I was able to review your phone calls to our Customer Service Department, and verified that you attempted to explain the duplication of your homeowner’s insurance on multiple occasions. However, the agents you spoke to did not appear to understand that the estimated second (2nd) insurance payment was contributing to the escrow shortage. I am very sorry for the distress and inconvenience this caused you. Please be assured that I have forwarded this information to the relevant Bank management. We appreciate your feedback as it assists us in identifying problems and to continuously improve the level of service we provide to our customers. However, I cannot inform you of specific internal corrective actions that may be taken to resolve this matter. Please be advised that representatives in our Customer Service Department are not required to provide their last names to customers. However, they do have an employee identification number they can provide instead. Additionally, our Escrow Department does not have customer service employees available to speak to customers. Customers can speak to an employee in the mortgage area of our Customer Service Department, who can communicate requests to the Escrow Department. Please feel free to contact me directly if you experience escrow issues in the future. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H. Office of the President Pc: [redacted], Revdex.com Enclosures: Previous Response

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
The reason for my complaint still stands.  I applied for a home loan through 53rd Bank.  I started the process in August and they notified me in November I wasn't going to qualify for the loan.   It's apparent they didn't care about their customer service.  I spent months on the phone getting the run around on this loan.  I spent $450 on an appraisal.  The inspection for the house was over $500.  I had a sewer inspection, a home inspection, and a lead inspection.   I even had money earnest money tied up in this house.  I had to extend the contract quite a few times.  All because 53rd Bank couldn't get their act together.  I had to wait it out.  Otherwise, I would loose all the money.  So no I'm not satisfied.  The only way I will drop the complaint with the Revdex.com is if 53rd reimburses me the $1000.  I believe that is only fair.   
Regards,
[redacted]

[redacted] Date: August 16, 2017 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com regarding your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincerest apologies for the frustration and inconvenience this issue has caused you. I confirmed that you paid the amount listed on the past due notices you have received since November 25, 2016. We waived eight (8) late fees from the account, totaling $80.00. The fees waived are for the payments made from November 2016 through July 2017 that were greater than $397.79. As a result of the fee waivers, the account is now paid up to date and the loan is current. The next payment of $397.79 is due by August 21, 2017. Enclosed is an updated payment history for the account. We have notified the relevant Bank personnel regarding the incorrect payment information listed on the delinquency notices you received. I would like to thank you for bringing this matter to our attention, as it assists us to identify problems and improve the service we offer to our customers. We appreciate your patience while we researched this matter and we value your business. If I can be of any further assistance, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H. Office of the President Pc: Revdex.com Enclosure: Updated Payment History

[redacted] Date: October 4, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your installment loan....

We appreciate the time you have taken to document your thoughts and concerns regarding this matter. After Fifth Third Bank received notification from your insurance company that your policy had been cancelled on April 20, 2016, we sent notices to the mailing address on file to request proof of full coverage vehicle insurance. This is required under the terms of your installment loan contract. The notices were sent on May 2, 2016, June 6, 2016, and July 11, 2016. I have enclosed copies for your review. When we did not receive the requested proof of insurance, we added force-placed insurance costing $1,456.00 to your installment loan on July 26, 2016. As a result, your monthly payment increased from $204.39 to $366.17 beginning August 17, 2016. On August 17, 2016, Auto BillPayer withdrew your August payment of $366.17. After you contacted the Bank on August 18, 2016, we received proof of full coverage vehicle insurance from your insurance company. On August 22, 2016, the force-placed insurance was cancelled, and your installment loan was credited for the full amount of $1,456.00. Your monthly payment amount was also lowered back to $204.39, effective August 17, 2016. Since the increased payment of $366.17 was withdrawn from your account on August 17, 2016, your installment loan was overpaid by $161.78 after the force-placed insurance was removed from your installment loan. Therefore, only $42.81 was needed to satisfy your September payment. However, Auto BillPayer withdraws the amount of your regular payment each month, which is $204.39. That is why $204.39 was withdrawn from your account on September 16, 2016. Auto BillPayer does not account for any overpayments on your installment loan. On behalf of the Bank, please accept my sincere apologies for the misinformation you received. At your request, the payment of $204.39 was returned to you on September 23, 2016. On September 26, 2016, we received and posted your payment of $42.61 and back-dated it to be effective September 16, 2016. Your Auto BillPayer withdrawal of $204.39 is scheduled for October 17, 2016. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Insurance notices