PROCORPSA

[redacted] Date: June 20, 2017 Regarding Your Dispute Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your disputed Automated Teller Machine...

(ATM) withdrawal at a Fifth Third Bank ATM. 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. I am very sorry if you did not receive the requested funds when you completed a cash withdrawal at a Fifth Third Bank ATM from your non-Fifth Third Bank account. Unfortunately, you have not provided sufficient information for our Dispute Department to locate the dispute you filed with your bank against our ATM. I have attempted to contact you multiple times using both phone numbers you provided to the Revdex.com. However, I was unable to reach you. Please contact me directly using my address listed above or my phone number listed below. We need to know the name of the bank you filed the dispute through so we can locate the dispute in our systems. Once I have this information, our Dispute Department can locate the dispute and provide me with a status, which I can then provide to 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

[redacted] Date: June 16, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the follow up letter you sent to the Revdex.com regarding your Essential Checking account. We appreciate the additional time you have taken to document your thoughts and concerns. As stated in my previous response to you on June 13, 2016, in your complaint you expressed concern over the visibility of transactions affecting your balance during the day. Debit card and Automated Teller Machine (ATM) transactions will show as pending against your available balance during the day because they are pre-authorized time-stamped debits. Checks and electronic payments (ACH payments) are batched payments and are collected from payees at the end of the business day for overnight processing. Because these items are processed overnight, they will not show as pending during the day. All transactions will post to your account during overnight processing in the following order and will be visible the next business day: ** Credits and deposits made prior to end of day cutoff ** Debit card and ATM transactions in the order they were authorized ** Checks and electronic payments in the order of highest to lowest amount ** Fees and service charges At the time that you authorized the [redacted] transaction for $19.00 on June 2, 2016, the balance in your account was $2.38. As was also stated in my previous response, when you checked your balance at the ATM on June 3, 2016, at 1:41 AM the [redacted] transaction for $19.00 you authorized on June 2, 2016, was being processed and would not have shown as pending. This payment was processed overnight and posted to your account for the June 2, 2016, business day. I apologize for any inconvenience this mater may have caused you, but the customer is in the best position to account for all transactions in their account to prevent an overdraft occurrence. As was also stated in my previous response to you, it is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. Pursuant to your previous fee waiver requests, we have reversed $74.00 in overdraft fees over the past twelve (12) months, as a courtesy to you. As such, additional courtesy overdraft fee reversals are not warranted at this time. [redacted], please accept our sincere apologies for any inconvenience or frustration 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, Adam P.Office of the President

[redacted], Apt. 10 [redacted] Date: September 15, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received your additional complaint filed with the Revdex.com regarding your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We have reviewed your additional concerns regarding the stop payment placed on the transaction to [redacted] for $295.72. After reviewing the recorded call from the time the stop payment was placed, we determined that the employee who assisted you did communicate that a stop payment on an automated clearing house (ACH) transaction could not be guaranteed. In addition, the employee you spoke with advised you that you could also work out alternate payment arrangements with [redacted]. Your additional correspondence mentioned that you did not receive a copy of the Rules and Regulations Applicable to all Fifth Third Consumer and Business Banking Accounts and Cards. After reviewing your checking account, we noted that your account was opened through our Internet website 53.com. When opening an account online through our Internet website, a welcome packet is sent to the address listed on file for the account within five (5) to ten (10) business days. This welcome packet includes all of the pertinent account documentation, including the Rules and Regulations Applicable to all Fifth Third Consumer and Business Banking Accounts and Cards. As we have confirmed that the appropriate information and documentation was provided to you, and we have already waived an additional overdraft fee of $37.00 in the interest of customer service, we have determined that nothing further is due to be refunded to you. We apologize for any difficulty or concern this may have caused you. We strive to provide professional and accurate service to our customers, and again I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at 616-653-9156, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W.Office of the President Pc: Revdex.com

[redacted] Date: July 21, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding the escrow analysis you received for your...

mortgage loan account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. On June 25, 2015, an annual escrow analysis was conducted on your mortgage loan and sent to the address on file. The analysis indicated a shortage of $152.82 and an increased monthly escrow payment of $273.82 due to an increase in your property tax and homeowner’s insurance obligations. This notice also presented payment options in order to satisfy your escrow shortage obligations. If the shortage was not received by the due date indicated of July 15, 2015, the shortage would be divided into twelve (12) monthly payments increasing your overall mortgage payment from $602.24 to $689.03 effective August 1, 2015. Due to your complaint, we reviewed the property tax and insurance information on file for your escrow account. We confirmed that the second half tax disbursement sent to [redacted] Village is then forwarded to [redacted] for payment of your [redacted] property taxes. Hence, the projected disbursement for [redacted] in July 2016 for $1,003.60 was incorrectly noted on your account. As a result, the [redacted] property tax information was removed from your escrow account. On July 13, 2015, a corrected escrow analysis was completed for your mortgage loan. The updated analysis confirmed a shortage of $0.18 for your escrow account. As a courtesy, the nominal shortage amount has been effectively paid by the Bank on your behalf. As a result, the new monthly escrow payment for your account is $199.80. Therefore, your overall mortgage payment is $602.28, effective August 1, 2015. Copies of the escrow analyses referenced above are enclosed for your review. [redacted], 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 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, Danielle S.Consumer Resolution Specialist Office of the PresidentEnclosure(s): Escrow Analyses Pc: Revdex.com

In my last response to the customer, it was explained that, on May 4, 2016, we submitted an update to all four (4) credit reporting agencies to correctly report the account as being included in the Chapter 7 Bankruptcy, discharged on October 29, 2013, with a zero balance owed.  It was also communicated that the update submitted to the credit reporting agencies on May 4, 2016, would take approximately thirty (30) days for the credit reporting agencies to update their reporting.We have a scheduled follow up date of June 17, 2016, to ensure that the update submitted on May 4, 2016, is reflected on the customer’s credit report. If the account is reporting correctly at that time, the customer will not receive an additional response from us. If the reporting is still incorrect at that time, we will send another response to the customer informing him that the account is still not reporting correctly, and that another update has been submitted to the credit reporting agencies.Thanks,Adam P.Consumer Resolution SpecialistFifth Third Bank | Office of the President

[redacted] Date: November 30, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted] and [redacted]: We received a copy of the complaint you submitted to the Consumer Financial...

Protection Bureau regarding your Fifth Third Bank mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. It has come to our attention that since you submitted your complaints, you filed Chapter 13 bankruptcy on November 15, 2017. Therefore, after thoroughly researching this matter, we have sent a detailed response directly to your attorney, [redacted]. Thank you for your patience while we conducted our research. If I could be of further assistance to you, or your clients, 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: [redacted], Revdex.com

[redacted] Date: October 24, 2017 Account: [redacted] Regarding Your Credit Card Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. 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. Please note that Fifth Third does not change account ownership based upon a divorce decree, because the divorce proceedings are a civil matter arising after the origination of the account. In response to your concerns, our office contacted the primary account holder, [redacted], and received his permission to remove you as the Authorized User on this account. In addition, an update has been submitted to the four (4) credit reporting agencies to remove this credit card account from your account history. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. If you apply for credit in the next ninety (90) days, be sure to use this letter as proof that Fifth Third has submitted a correction request. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter 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: September 19, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your installment 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 you experienced regarding this matter. The final payment for your installment loan was received on July 12, 2016. The loan was paid in full and closed that day. On July 20, 2016, we mailed the original title to you using your address on file, which is your address listed above. The title was sent to you via the United States Postal Service (USPS). I confirmed that you contacted the Bank on August 17, 2016, because you had not received the title. You confirmed during that phone call that the address on file was correct. The agent you spoke to advised that the title was sent to you on July 20, 2016. Because you had not received the title, the agent advised she would submit a request to send you a new title and lien release. She then provided you with a confirmation number to confirm the request was submitted, and stated that you could use that confirmation number to call back and check on the request. Please be advised that the Bank held only one (1) copy of your title. Because we already sent you the only title we had, we are unable to send you another. I apologize that the agent advised you a new title would be sent to you. After we send the title to a customer, the only action we can take is to send a lien release that can be used to obtain a new title from the state. We completed the request on August 22, 2016, and sent the lien release to you using your address listed above. You contacted the Bank again on August 24, 2016, because you had not received anything from the August 17, 2016, request. The agent you spoke to advised that we sent the document to you on August 22, 2016, and it could take five (5) to seven (7) business days to receive. You called back on September 6, 2016, because you still had not received the requested documentation, and you spoke to a supervisor named Vernetta. Vernetta confirmed that the August 2016 request was completed on August 22, 2016, but we could not speak to the mail time or why it may not have been received. [redacted], I am very sorry that you did not receive the title we sent to you in July 2016 or the lien release we sent to you in August 2016. I understand that you have wanted to sell the vehicle and obtain a new car but you cannot because you do not have the title. As previously explained, because we already sent the title to you on July 20, 2016, we cannot send another one (1) because that was the only title we had. Enclosed is a new lien release letter we created on September 13, 2016. You can use the enclosed letter to request a duplicate [redacted] title from your local Department of Motor Vehicles (DMV). Per [redacted]’s DMV website, you can obtain a title from the County Clerk. I confirmed via the website that there is an $11.00 fee to request a duplicate title, and there may be additional county fees applicable. Enclosed is an $11.00 cashier’s check to cover the cost of the duplicate title fee. If there are additional costs from the county to obtain the title, please provide proof of the fees paid and we will submit additional reimbursement to you. The documentation can be mailed to our address above. It can also be faxed to my attention at ###-###-####. To ensure that you receive this correspondence, we have sent it to you via the [redacted] ([redacted]) using overnight mail. By sending this communication overnight, it will be tracked and we can confirm when it is delivered. I noticed that the address listed on your complaint with the Revdex.com was listed as “[redacted].” However, the address that you have verified over the telephone with our Customer Service Department is “[redacted].” For this reason, we have sent this communication to the “[redacted]” address. I attempted to contact you on September 15, 2016, using the phone number you provided to the Revdex.com. However, that phone number is no longer in service. I also attempted to contact you at the ###-###-#### phone number that we have on file, but I was unable to reach you. I left a message with my direct phone number for you to call back. I am sorry that I was unable to reach 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 T.Office of the President Pc: Revdex.com Enclosure: Lien Release

[redacted] Date: April 4, 2017 Regarding [redacted]’ Auto Loan Dear [redacted]: We received a copy of the complaints you submitted to the Consumer Financial Protection Bureau and Revdex.com on behalf of [redacted]...

regarding her auto loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you and [redacted]. Since you are not a signer on the loan, I am unable to provide you with any details regarding [redacted]’ loan. Security measures such as these are in place to protect our customers and the Bank from possible loss or fraud. Please be assured we responded to your complaint in full and mailed a detailed letter to [redacted] at the mailing address on file. Thank you for your patience while waiting for a response. 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: [redacted], Revdex.com

[redacted] Date: February 13, 2018 Account: [redacted] Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau concerning your Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties at 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 customer satisfaction. Since the Bank did not receive a request from you to close your debit card ending in [redacted], the card was not closed. When you contacted the Bank’s Disputes Resolution Department on January 18, 2018, to report the unauthorized charge on your checking account that was initiated using your debit card ending in [redacted], the card was closed at that time. During our telephone conversation on January 31, 2018, I explained that, on January 18, 2018, an individual with some of your personal and confidential information contacted the Bank’s Customer Service Department by phone to reset the PIN on your debit card ending in [redacted]. Since the individual successfully answered the security questions that were asked, the PIN was changed. The individual who called the Bank to change the PIN provided your name, your Social Security Number (SSN), the last four (4) digits of the debit card number, your zip code, and the city and state of the Fifth Third Banking Center where your checking account was originally opened. The individual also correctly provided information regarding your recent name change. Since the individual successfully answered the verification questions that were asked, the individual was able to successfully reset the PIN on your debit card ending in [redacted]. Although your account has been credited for the unauthorized charge to your account, as of the date of this letter, your disputes case number [redacted] is still being researched and has not yet been finalized. When your disputes case is finalized, you will receive a final written response from our Disputes Resolution Department. While we strive to resolve dispute cases as quickly as possible, please allow up to ninety (90) days from the date that the dispute case was opened on January 18, 2018, for the investigation to be completed. If you would like to follow up with the Disputes Department directly, they can be reached toll free at ###-###-####, Monday through Friday: 7:00 a.m. to 8:00 p.m., Saturday 8:30 a.m. to 5:00 p.m., ET. Alternatively, you can contact me directly at the telephone number contained in this letter for any additional information regarding this matter. When the PIN was changed on your debit card, you received an email from the Bank alerting you that the PIN was changed. That email also instructed you to contact the Bank if you did not request the PIN to be changed. After the PIN on the debit card ending in [redacted] was changed, you contacted the Bank’s Customer Service Department on January 18, 2018. At the time that you contacted the Bank, the disputed transaction had not yet posted to the account. During that telephone call, the employee with whom you spoke stated that, since they did not see any evidence in our systems that the PIN had been changed, you could simply disregard the email you received. During my research into this matter, it was determined that the employee should have seen and confirmed the PIN change. Please be assured that corrective action has been taken since the employee should have seen the PIN change. Although I can assure you that corrective action has been taken, I am unable to provide you with any specific details regarding the corrective actions that were taken. 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, Adam P.Office of the President

[redacted] Date: October 2, 2017 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your installment...

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 any frustration you experienced regarding this matter. Thank you for taking the time to speak with me about your request for payment assistance after being impacted by Hurricane [redacted]. I am sorry for the difficulties you encountered while attempting to reach our Hardship Assistance Department. We are experiencing a higher number of phone calls than normal from customers needing assistance after the hurricane. If a representative is not available for the call within a specified time frame, the call is transferred to a voicemail system so customers can be called back. I verified that a call attempt was made on September 14, 2017, to your phone number of ###-###-####, which is the phone number that you provided to the Revdex.com. They were unable to reach you but our records reflect that a voicemail was left. I apologize if you called and left additional voicemails that were not returned. Please be assured that I have contacted the relevant Bank management regarding this matter. I contacted our Hardship Assistance Department to have them contact you about your request for a payment deferment. I confirmed that they were able to speak with you on September 28, 2017, and a three (3) month payment deferment was approved. As we discussed, the deferment cannot be put in place until you sign and return the deferment agreement. Per the terms of the deferment, the next payment will be due on January 24, 2018. The agreement was sent to the email address [email protected]. Please print, sign, and return the document as soon as possible. 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

[redacted] Date: July 3, 2015 Account: [redacted] Regarding Your Mortgage Loan Escrow Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your mortgage loan escrow account. 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 or frustration 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. On November 18, 2013, you requested a payoff quote for the mortgage loan ending in 8118, and this information was provided to you via fax. When a mortgage payoff is requested, a special block is placed on the mortgage account that prevents payments being made from the escrow account. When this block was placed on your account, it was not given an expiration date. Because there was no expiration date on the block, it remained on the account and prevented the payments from the escrow account. Please note the block was manually removed from the account on May 11, 2015. We regret the frustration and inconvenience this has caused you. On May 12, 2015, the Bank refunded $170.20 into the escrow account to reimburse you for the principal and interest that was assessed as a result of the payment not being made in a timely manner. Also, per your request, we reanalyzed the escrow account on July 2, 2015. There was an escrow surplus in the amount of $1,209.79; these funds were returned to you via check on July 2, 2015, at the address listed above. Please note, your new monthly payment in the amount of $660.46 is effective as of September 1, 2015. I have enclosed a copy of the corrected Annual Escrow Account Disclosure Statement for your records and review. I hope this letter resolves your need and meets your satisfaction. Thank you for 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. April Q. Office of the President Pc: Revdex.com Enclosure: Annual Escrow Account Disclosure Statement

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.  They made no attempt to give me my money or the check back when I requested it. The bottom line is they held on to my money which is unacceptable & I am in the process of withdrawing all of my money from their bank and closing the account. That is the resolution for me. It was a horrible experience.
 
Regards,
[redacted]

[redacted] Date: January 12, 2016 Account: [redacted] Regarding Your E-Access Checking Account Dear [redacted]: We received a copy of the follow up letter you sent to the Revdex.com regarding your E-Access Checking account. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As was explained in my previous response, Fifth Third Bank processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order: 1. Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability Policy. 2. Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are received. 3. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges in the order of the largest amount to the smallest amount. Fifth Third Bank ATMs are provided as a convenience to our customers. Since we cannot ensure that all of our ATMs will be available for use at all times, it is important to ensure that you have sufficient funds in your account to cover transactions you authorized. According to my research, any ATM issues or issues with our Frankfort-West Banking Center have been addressed appropriately and in a timely manner by the Bank. I also want to apologize for any inconvenience you experienced when our Frankfort-West Banking Center was being remodeled. Also according to my research, the previous overdraft fee reversals on your account during the last twelve (12) months were performed as courtesy fee reversals. As was also previously explained to you, it is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. If we receive a request to reverse fees as a customer courtesy, we are only able to reverse a limited amount of fees within a specified period of time. The reason for this policy is that it allows us to treat all customers fairly and equally. Pursuant to your previous fee waiver requests, we have reversed $74.00 in overdraft fees over the past twelve (12) months, as a courtesy to you. According to the Bank’s policy regarding overdraft fee reversal requests, additional courtesy fee reversals are not warranted to this time. If I could be of further assistance to you, please call me at ###-###-####, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P. Office of the President PC: Revdex.com

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

regarding your checking 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 any frustration you experienced regarding this matter. I confirmed that your account was opened with a promotion to receive a $100.00 bonus five (5) business days after receiving a direct deposit of at least $100.00. The direct deposit needed to occur within sixty (60) days of the date the account was opened. Your checking account was opened on September 22, 2014. You received your first (1st) direct deposit on October 2, 2014, totaling $837.78, which was within sixty (60) days of the account open date. The $100.00 should have been credited to your account on October 9, 2014, which was five (5) business days after October 2, 2014. Unfortunately, your account was not credited. Due to the transaction activity on the account, the account reached a balance of negative ($179.93) on December 19, 2014. We assessed a $30.00 charged-off account fee on December 26, 2014, and charged off the negative ($209.93) balance owed. We reported the account activity to [redacted] and sold the account to the third (3rd) party collection agency, [redacted]. I reviewed the account and determined that if the $100.00 bonus had credited correctly, the account would not have had a negative balance on December 26, 2014, and would not have been charged off. The account would have had a $15.28 balance on December 26, 2014. Please be assured that we have deleted the information from your [redacted] record regarding the account. We attempted to buy the debt back from [redacted]; however, [redacted] advised you already settled the account for $125.95. Because you already made payment to settle the account, enclosed is a check for $141.23. This amount covers the $125.95 you paid to Diverse as well as the $15.28 balance that would have been in the account on December 26, 2014. Please allow approximately thirty (30) days for [redacted] to delete the information about your account. If you would like to contact [redacted] directly, they can be reached at ###-###-####. Please feel free to use this correspondence as proof that we deleted the [redacted] record. 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: Check, Statements and Notices

[redacted] Date: December 21, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com concerning your Fifth Third Bank mortgage loan. We appreciate the additional time you have taken to share your thoughts and concerns regarding this matter. On October 23, 2015, we received a payment of $2,057.19 that served as the full payoff of your Fifth Third Bank mortgage loan. I have enclosed a copy of your mortgage loan payment history, for your review. At the time of the loan payoff, your mortgage loan was charged $198.00 for a recording fee. This was not a fee charged by Fifth Third Bank. This fee was charged by the city of [redacted]a to record the loan payoff and the release of the lien on your property. Please find enclosed a copy of the Satisfaction of Mortgage for the property located at [redacted], that discloses the recording fee of $220.00. Please know, even though the fee was $220.00, your loan was only charged $198.00 when the loan was paid off. Our review determined that the city of [redacted]a previously increased their recording fee from $198.00 to $220.00. However, our systems were not updated when the fee was increased so you were charged the lesser amount, and the Bank paid the difference. Please accept our apologies if our Customer Service Professionals were unable to provide specific information regarding this fee when you contacted our Consumer Contact Center. Additional research was required to determine the source of the fee. We appreciate your patience while we conducted the necessary research. Thank you for the additional opportunity to research your concerns. You are a valued customer and we sincerely hope that you will allow us to service your financial needs in the future. If I may 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, Lisa S. Office of the President Pc: Revdex.com Enclosures: Satisfaction of Mortgage, Payment History

[redacted] Date: November 15, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Essential...

Checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration 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 concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. On October 27, 2017, the beginning balance in your checking account was $3.73. On October 27, 2017, we received your mobile check deposit of $200.00. Per the Bank’s Funds Availability policy, $100.00 of your total check deposits made in any manner, including Mobile Deposit using standard availability service, will be made immediately available on the day the deposit is received. Therefore, $100.00 from your $200.00 mobile check deposit was made available on October 27, 2017, with the remaining $100.00 made available on the following business day, which was October 30, 2017. For more information regarding the Bank’s Funds Availability policy, a copy of our current Deposit Account Rules and Regulations is enclosed. Please refer specifically to pages nine (9) to twelve (12) for more information regarding the Bank’s Funds Availability policy. Also on October 27, 2017, four (4) debit items posted to your account totaling $115.14. Due to insufficient funds in your checking account to pay all of the debit items that posted to the account, one (1) overdraft fee of $37.00 was assessed and posted to the account the following business day. A copy of the overdraft notice dated October 30, 2017, is enclosed for your review and convenience. Although it is the Bank’s policy not to reverse any overdraft fees except in the case of a bank error, in the interest of customer service, the $37.00 overdraft fee that was assessed on October 30, 2017, was reversed and credited back to your account on November 13, 2017. I want to take this opportunity to ensure that you are aware that the Bank offers alert services that provide you with information about your Fifth Third Bank Accounts, which can assist you with preventing overdraft occurrences. You may sign up for a variety of alerts, including a text or email alert to notify you when your balance falls below a threshold that is comfortable for you. This real-time alert will notify you any time your debit card and Automated Teller Machine (ATM) transactions result in a balance lower than your designated alert threshold. Since this alert notifies you when the balance reaches a specific amount you determine, this will allow you time to deposit additional funds before the account becomes overdrawn. For example, you could set up an alert to notify you when the balance reaches $20.00. You could then review the account activity to determine if all of your authorized transactions have posted, and if not, determine how much additional funds you will need to deposit to cover any outstanding items. For a list of the account alerts offered by the Bank, please visit the alerts section within online banking or our mobile app. You can also learn more about account alerts offered by the Bank by visiting a Fifth Third Banking Center or by contacting our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday, 8:30a.m, to 5 p.m., ET. Per the Bank’s Deposit Account Rules and Regulations, there is a $5.00 fee assessed for a copy of an account statement. Please refer specifically to pages twenty five (25) and twenty six (26) of the enclosed copy of our current Deposit Account Rules and Regulations for more information regarding the pricing and services applicable to the Bank’s consumer deposit accounts. On October 25, 2017, you contacted the Bank’s Customer Service Department to request copies of your account statements from July 2013 to October 2013. Your request was processed at that time. On October 26, 2017, the relevant $20.00 photocopy research fee posted to your account. Since the employee assisting you at that time stated that there would not be a fee for the statements you requested, on November 13, 2017, I reversed the $20.00 photocopy research fee. [redacted], you are a valued customer of the Bank and I appreciate this opportunity to respond to 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, Adam .Office of the President PC: Revdex.com Enclosures (2): Deposit Account Rules and Regulations Overdraft Notice Dated October 30, 2017

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.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

[redacted] Date: March 28, 2017 Regarding the Mortgage Interest You Paid Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding the mortgage interest you paid on [redacted] mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. I also want to thank you for taking the time to speak to me about your concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. After speaking with you on March 21, 2017, I reached out to Fifth Third Bank’s legal counsel for advisement. Unfortunately, we are unable to send the Form [redacted] Mortgage Interest Statements for [redacted] mortgage loan to you because you are not a signer on the loan. You may want to consider consulting a tax advisor about how to claim the mortgage interest you paid on your tax returns without copies of the Mortgage Interest Statements. Thank you for your patience while we conducted our research. 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

[redacted] Date: October 21, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your checking 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 any frustration you experienced regarding this matter. I confirmed that you utilize balance alerts for your checking account ending in [redacted]. As of October 18, 2016, you receive a separate daily text message from the Bank for the following reasons: 1. Available balance falls below $50.00 2. Available balance is above $1,000.00 3. A daily available balance notification Please note that the notifications are daily notifications only. You receive one (1) text message per day that provides the applicable balance information. The beginning balance in your checking account on October 12, 2016, was $4.23. Our records reflect that we sent a text message to you on October 12, 2016, at 11:19 a.m. to notify you of the available balance. We also sent a text message to you the same day at 11:19 a.m. to notify you that your balance had fallen below the $50.00 threshold. One (1) Automated Clearing House (ACH) transaction of $52.86 posted to your account that day, which resulted in an ending business day balance of negative ($48.63) on October 12, 2016. A $37.00 overdraft fee was charged to your account the next business day. A copy of the overdraft notice we issued is enclosed for your reference. Checks and electronic bill payments are collected at the end of the business day and processed overnight. These items then post to your account for that business day, the day the payment was authorized by you and presented for payment to the Bank. Please note that ACH transactions do not show as pending on your account because they are not pre-authorized like a debit card transaction. For this reason, the $52.86 transaction could not be included as part of the available balance during the day on October 12, 2016. I confirmed that the text alerts worked appropriately with the information available at the time the alerts were sent to you. The overdraft fee assessed to your account is valid. We previously waived $74.00 in overdraft fees from your checking account as a courtesy. We are unwilling to reverse additional fees at this time. I am sorry for any distress this may cause you. Because ACH transactions do not appear as pending items, we recommend that customers use a ledger to track all scheduled transactions. This way, it ensures that all items are accounted for even if they are not yet deducted from the available balance. Please also note that each text message balance alerts is sent one (1) time per day. You may wish to consider establishing an Overdraft Protection account. For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account. Information regarding Overdraft Protection options is also provided on the enclosed document. Please feel free to contact me directly using the phone number listed below should you have any questions regarding the enclosed reference guide. 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 Hi.Office of the President Pc: Revdex.com Enclosure: Overdraft Notice, Overdraft Solutions