PROCORPSA

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.   
Worst customer service, won't pay a dime to them, they give money to fraudulent companies. This bank chain will be out of business soon under Trump. Good luck.
Regards,
[redacted]

[redacted] Date: December 14, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning the hold placed on your...

deposit. We appreciate the time you have taken to express your concerns regarding this matter. We are very sorry if our attempts to explain the funds availability policy did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. We understand your frustration when this situation occurred and we are sorry for any inconvenience this matter may have caused you. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you, as the consumer, and the Bank from loss or possible fraud. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately. The remaining funds will be made available on the next business day. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday or a Federal Holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal Holidays. Deposits received after certain cut-off times may be credited as of the next business day. In some instances, we reserve the right to place a hold of a longer period of time on a deposit. The full amount of the deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the seventh business day after the day of your deposit. I have enclosed a copy of our Rules and Regulations; page nineteen provides additional information regarding extended holds on deposits. On December 2, 2015, your account balance was $11.39. On that same day, you deposited a non Fifth Third check for $18,700.00 and $400.00 in cash at a local Financial Center. Since the deposit exceeded $5,000.00, $13,700.00 of this deposit was placed on hold and a notification letter indicating this reason for the hold was sent to the address we have on file for you on December 4, 2015. This notice also states that the remaining funds from your deposit will be available on December 14, 2015. We sincerely hope this information will help you understand the Bank’s position going forward and resolve your needs. If I could be of further assistance to you, please call me at [redacted], or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President Enclosures: Rules and Regulations

[redacted] Date: July 29, 2015 Account:       [redacted] Regarding Your Installment Loan Dear [redacted]: Thank you for contacting the Revdex.com concerning your installment loan. We appreciate the time you have taken to express your concerns regarding this matter. Phone payments are able to be processed through our customer service department provided the payment is received prior to the date due. Once that date is past, our collections department would need to assist in making the payment. I am sorry if there was confusion as it results to prior payments being sent. Fifth Third Bank processes payments the day that they are received by us through the mail. Many of our customers like the benefit of using our automatic bill payer system as well as on-line banking to assure their payments are sent and received prior to the date that the bill is due. On June 25, 2015, a request for the payoff balance of your loan was received by Fifth Third Bank. The payoff quote was for $375.78. As of July 22, 2015, Fifth Third Bank received check, #4355, for $375.78 for the remaining unpaid balance on your installment loan that you had with Fifth Third Bank. With the loan now being paid in full for the entire outstanding balance on the loan, Fifth Third Bank will process a lien release on the title of the 2015 Ford Truck Explorer that was held as collateral for your loan. If I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Beth H.Office of the President

I can provide document that proves contrary to 53 bank findings... 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]

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 is no mention of this alleged recording fee anywhere in my previous correspondence with Fifth Third Bank.  If this is, in fact, a legitimate state-mandated fee, it should have been properly disclosed beforehand, noted in the letter confirming payment of the loan, and documented by the government agency in question.  The 5-3 employee I spoke with had no knowledge of this so-called fee and could not explain the discrepancy in the amount of the refund.  It appears that 5-3 simply seized the funds and is trying to justify its actions after the fact.
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 have attached in my previous email snapshots of my account. It clearly proves that 53 process their transaction after midnight and still charges fees same day. I will take these pictures and post them on social media so people see how 53 bank operates...
Regards,
[redacted]

[redacted]
[redacted]
[redacted]   Date:                           June 15, 2015...

                                        ...⇄   Regarding Your Installment Loan Account     Dear [redacted]:     We received a copy of your complaint filed with the Revdex.com, concerning your installment loan payoff. We appreciate the time you have taken to submit your request.   On behalf of the Bank, please accept my sincere apologies for any inconvenience these matters may have caused you. We strive to provide professional and accurate service to our customers in as timely a manner as possible and we sympathize with the difficulties you encountered with your installment loan.   Installment loans are simple interest loans. This means that each day the interest due on the current principal balance is calculated and that amount is added to the interest due for your installment loan.  Funds received from your monthly payment are first applied to the interest that has accrued since your last payment, and the remaining funds are applied toward principal balance on the installment loan.   The coupon books that the Bank provides to customers include one coupon less than the number of payments for the loan; the last coupon in the booklet states to call the Bank to determine the amount of the final payment.  Since the date that your payment posts to the installment loan effects the amount that is applied toward payment of interest and thus the principal balance, the final payment for your installment loan may need to be adjusted to satisfy the loan.  The payoff amount due for your installment loan would be affected by the following:   Payments made later than the due date (even if within the grace period) Extensions or Skip-a-Pays Pre-payment penalties Late Charges  Your installment loan ending in 7690 originated on October 17, 2009, in the amount of $14,065.25 for a term of sixty-six (66) months. The maturity date for your installment loan is June 20, 2015. Per your request, I have enclosed a copy of the installment loan note and payment history.    You chose to complete a delinquency extension with our Collection Department on March 21, 2011. The delinquency extension removes the requirement to send a payment that month by placing it at the end of the loan. However, it does not stop interest from accumulating on the principal balance that would have been paid with that payment.  Because of the increased amount of interest, the principal balance remains slightly higher over the remaining period of the loan.  This will result in a larger amount required for the final payment.   As of June 15, 2015, the payoff for your installment loan is $428.30. The per diem or amount of interest assessed per day is $0.11. The title for your vehicle will be mailed to the address on file in ten (10) business days after the installment loan has been paid in full.    If you believe that you are experiencing a financial hardship due to your installment loan at this time, you may apply for financial assistance. You may contact our Loss Mitigation Department for an available specialist at ###-###-####, option 4, Monday thru Friday from 8:00 AM until 5:00 PM EST (Eastern Standard Time).   Your feedback is important to us, so that we can better understand how we can improve our service to you. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction.   We hope this correspondence will help you understand Fifth Third Bank’s position going forward. We appreciate your patience while we researched your request. If I could be of further assistance to you please call me directly at ###-###-####, or toll free at ###-###-####.    Sincerely,  [redacted] Office of the President  Pc: Revdex.com Enclosures (2): Note and Payment History

[redacted] Date: January...

20, 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 on January 18, 2017, regarding your request. You stated that you did not want the Bank to call you anymore. Please be assured that as we discussed, we processed a cease and desist on your account so that you will no longer receive phone calls from any area of the Bank. We have removed your telephone numbers from our systems. I noticed that your installment loan is past due for the January 13, 2017, payment. Please note that the cease and desist will not stop collection activity on the account. However, we will not call you about it. Collection activity might include late charges, reports to the credit bureaus should the account become greater than thirty (30) days delinquent, and/or repossession. 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

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.  Unfortunately, I did ask Fifth Third Bank to provide me with any documents received from [redacted], which they stated they did not have any as the hotel did not provide them with such. I find it hard to believe that they would be able to provide supporting documentation concerning televisions not working for most or all of their customers for weeks at a time as I was not the only room without a working television in addition to a toilet which did not work at all and was forced to use the lobby of the hotels restroom despite asking management to repair both almost every day of my thirty days at that location. In addition, I do not believe they provided your office with any supporting documentation as it relates to the several hundred dollars in tax money I am supposed to receive back from the hotel on the thirtieth day. Please, accept my apologies as I forgot I had not closed my Access 360 account as was unaware I had a fraud block placed on my card as any dispute which may have been filed was decided in my favor against the merchant by, Fifth Third Bank. Please, provide any supporting documentation to the Revdex.com as it relates to [redacted] and it's 'supporting', documentation as well as a dispute not ruled in my favor against any and all merchants relating to the Access 360, account. I look forward to hearing from you. Thank you.
Regards,
[redacted]

[redacted] Date: April 19, 2018 Account: [redacted] Regarding Your Essential Checking Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com (Revdex.com) concerning...

your recent overdraft and request for a refund of fees. Please 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 apologies for any frustration this matter may have caused you, as well as sincere sympathies for the recent difficulties you have experienced. We have researched the issue surrounding the overdraft fees you have recently accrued, and found that the fees were charged correctly. As we discussed when we spoke, Fifth Third Bank’s processing runs on [redacted] Standard Time ([redacted]). Our review of this matter found that the transfer in question that was made in an attempt to avoid overdraft fees was made on March 31, 2018 at 12:56:01 a.m., [redacted]. As this was a Saturday, this posted to the account on Monday April 2, 2018, which was the next business day. I have confirmed that when transferring funds between accounts via 53.com the following message is listed: Funds advanced after 9 p.m., [redacted] will be immediately available for withdrawal. The transfer will not be available to cover items today and will be included on the following day's account activity. Additionally, below that message is a clickable link titled Cutoff Times and Fees. If this link is accessed the information provided states: Note one (1): Initial transfers between checking and savings accounts initiated prior to 9 p.m., [redacted] on a business day will be processed that day. Initial transfers between other account types must be initiated prior to 7 p.m., [redacted] on a business day to process that day. Initial transfers that occur after those hours or on non-business days will be processed on the next business day but will be reflected immediately in your available balance. Subsequent scheduled transfers that fall on a non-business day will be made on the business day preceding the scheduled date. Note two (2): Transfers from a credit card will be treated as a cash advance. Please review the terms and conditions of your credit card for additional details. We regret the inconvenience this matter may have caused you, but as the customer you are in the best position to know if items you have authorized, either by debit card, check, or electronic ACH payments, have cleared your checking account by utilizing a checkbook register. Although no bank error was found in our research of this matter, we have waived a $37.00 overdraft fee in the interest of customer service. To clarify for future transactions, the Bank processes transactions at the end of each business day in the following order: ** Credits and deposits made prior to the end of day cutoff time ** ATM and debit card transactions in the order they took place ** All other debits, including checks and electronic bill payments, in the order of highest to lowest amount ** Fees and service charges Debit card and ATM transactions are time-stamped debits and are pre-authorized at the time of use, and will show pending until they are posted. Because time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic ACH payments are batch debits that are not pre-authorized by us. These transactions do not include a time-stamp and will not show as pending during the day. Checks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized by you to be paid and collected from Fifth Third Bank. Regarding the fees assessed on your account, Fifth Third Bank checking accounts have options of both Overdraft Protection, and Overdraft Coverage. Overdraft Protection automatically transfers funds from a Fifth Third Bank savings account, credit card, or home equity line to cover items that overdraw your checking account at the end of the business day. With Overdraft Protection, we charge a reduced transfer fee of $12.00 for each transfer versus a higher overdraft fee of $37.00 for each posted item that overdraws your account. Please be aware that Overdraft Protection will cover all types of transactions when the available checking account balance is insufficient. In contrast to Overdraft Protection, some of our deposit accounts also have Overdraft Coverage for ATM and debit card transactions. By opting-in to Overdraft Coverage, your debits and payments may be approved even if you do not have sufficient funds in the account. If an account becomes overdrawn, we assess a $37.00 overdraft fee for each item that posts while the account has a negative balance. If you choose to opt-out of Overdraft Coverage for one-time debit card and ATM transactions, your card will be declined preventing the item from overdrawing your account and the account will not be assessed an overdraft fee. Per Federal Regulations effective June 11, 2010, you had the ability to choose whether to continue having Overdraft Coverage on your account for ATM transactions and one-time debit card transactions via Internet Banking at 53.com, by calling our 24 hour automated telephone line at ###-###-####, or by visiting one of our local Banking Centers. According to our records, your account is currently opted in to Overdraft Coverage. Please be aware, with the decision to accept Overdraft Coverage for ATM and one-time debit card transactions, your card will be accepted even if there are insufficient funds in your account, and therefore will receive overdraft fees for debit card transactions. Overdraft Coverage does not apply to checks and electronic ACH payments. If a check or electronic payment is presented against your account with insufficient funds, the item may be assessed an overdraft fee, or returned and charged a $37 returned item fee. If the checking account is overdrawn, we also send an overdraft notice via standard mail to inform you of the occurrence that includes a detailed breakdown of the day’s transactions. Included with this letter you will also find a copy of our Deposit Account Rules and Regulations. Please review this document for more information about overdrafts and how items may post to your account. If you have any questions, please contact myself, your local branch, or a customer service professional at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., Saturday, 8:30 a.m. to 5 p.m., EST. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. It was certainly not our intention to cause you any difficulties or frustration. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet these 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. [redacted], thank you for your patience while waiting for a response. We certainly hope you will continue to use Fifth Third Bank for 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., EST. Sincerely, Sarah S.Office of the President Pc: Revdex.com Enclosures: Deposit Account Rules and Regulations

[redacted] Date: June 29, 2017 Regarding [redacted] Dear [redacted]: We received a copy of your complaint filed with the [redacted] ([redacted]) and Better Business...

Bureau (Revdex.com) regarding your check to [redacted]. 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. Per your conversation with Bancorp Resolution Manager Lee F., Fifth Third Bank processed the check presented to us for payment correctly on October 28, 2016. We have forwarded the information to the business involved. For additional updates about the information listed on your credit report, please contact the business directly. 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: Check Image

Fifth third bank is in contact with me and working to resolve this issue. Why are you sending me notification that my case is closed?  I have documents to fax to 5/3  in [redacted] and I also want to address their response that I contacted the Fifth Third Main branch here in [redacted] N.C.  I have never set foot in their main branch. I don't ever know where it is.  I am filing a complaint with the federal reserve also about this issue. The bank is in federal violation of regulation e and I want that noted in my Revdex.com file.  Thank You!

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: September 11, 2017 Account: [redacted] Regarding Your Real Life Rewards [redacted] Dear [redacted]: We received a copy of the follow-up complaint you submitted to the Revdex.com regarding your Real Life Rewards [redacted]. Your feedback is very important to us as it allows us to better understand how we can improve the service we provide to our customers. 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 behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. However, we stand by the responses conveyed to you in our previous letters dated July 11, 2017, and September 1, 2017. I have enclosed copies of those letters for your convenience. Our position on this matter has not changed. In addition to Auto BillPayer, you have other options for making a payment on your account. You may make a payment in a branch, online at 53.com, at an Automated Teller Machine (ATM), or by calling customer service at ###-###-####. Customer service is available Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. You may also send your payment by mail to the following address: Fifth Third Bank PO Box 740789 Cincinnati OH 45274-0789 Please also be aware that if we receive an additional complaint or other type of correspondence from you regarding this matter that does not contain new information, you will not receive additional correspondence from the Bank regarding this matter. This is because this matter has already been appropriately addressed in our previous letters to you as indicated above. Thank you for your patience while waiting for a response. 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 Enclosure: Previous Response Letters

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.  It amaze me that a bank this size will not take accountability for there actions. I call the FCC and request this payment to be stop on the 11th and now I have Brandy W. trying to point blame on me the customer. I'm facing a eviction from my home with my children due to the matter since I ddnt had all the money to pay due to the money still being withdrawl and already made arrangements with [redacted]. Also I have a letter that states what I can do and that is what I'm trying to do. Sorry fifth and third the CEO and the bank makes money off the small people putting the money back will not hurt the company all. Fix the issue please I'm homeless now. 
Regards,
[redacted]

[redacted] Date: January 24, 2018 Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Basic Checking Account Dear [redacted]: We received a copy of the complaint you filed with the...

Revdex.com concerning your closed Basic Checking account ending in [redacted]. 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. When a debt is owed for one (1) of your accounts, the Bank has the right to transfer funds from another account that you own, to cover the debt owed to the Bank. This is known as the Bank’s right of set off, and is disclosed in our Deposit Account Rules and Regulations. On page seven (7) section two (2) of our Deposit Account Rules and Regulations, it states, “Any obligation may be charged to any deposit account in the name of Customer or in the name of any Joint Customer and Customer hereby grants to Bank a security interest in Customer’s accounts with Bank and any accounts Customer has with any Bank Affiliate to secure the Obligations, regardless of the amount of contribution by any Customer to such account(s). Customer agrees that the security interest it has granted to Bank hereunder is consensual and is in addition to Bank’s common law right to set off. Customer also grants Bank the right, on Bank’s own behalf and on behalf of any Bank Affiliate, to set off against any and all funds in Customer’s account to pay any Obligation owed by the Customer.” For your reference, I have enclosed a copy of the Bank’s Deposit Account Rules and Regulations. The right of set off can be used any time your account is past due. The Bank is not required to contact you to obtain your authorization to exercise the Bank’s right of set off. Our Deposit Account Rules and Regulations states “You are responsible for Overdrawn Accounts. As a Fifth Third customer, you agree to immediately pay us the amount of any overdraft, plus any related fees.” Please refer specifically to page fifteen (15) of the enclosed copy of our Deposit Account Rules and Regulations. On January 12, 2018, your Basic Checking account ending in [redacted] was overdrawn by $526.00. On January 12, 2018, the Bank exercised its right of set off and transferred $457.00 from your Basic Checking account ending in [redacted] to your overdrawn checking account. Also at that time, the Bank transferred $69.00 from your Goal Setter Savings account ending in 8111 to your overdrawn checking account. These transfers paid the amount owed on your overdrawn checking account and brought the account balance to $0.00. On January 13, 2018, you visited our Orland Square Mall Banking Center located at [redacted], [redacted] and your Basic Checking account ending in [redacted] was closed per your request at that time. The account had a $0.00 balance when it was closed. In your complaint, you state that you thought the account was closed on December 29, 2017. According to our records, the only request we received from you to close your account occurred when your account was closed on January 13, 2018. The ending balance in the account on December 29, 2017, was $0.00. The account initially became overdrawn on January 2, 2018. The account remained overdrawn until the Bank exercised its right of set off on January 12, 2018, as is explained in this letter. For verification of the account activity that resulted in the account overdraft, I have enclosed copies of the overdraft notices sent from January 3, 2018, to January 11, 2018. I have also enclosed a copy of the overdraft notification letter sent on January 10, 2018. This letter also explains the Bank’s right of offset, stating that the Bank “reserves the right to apply other deposit funds you have on deposit to cover all or part of this overdraft.” The Bank offers several options for Overdraft Protection. If you are enrolled in Overdraft Protection, funds are automatically moved from another Fifth Third account that you own to your checking account in the event of an overdraft. Although there is an overdraft transfer fee of $12.00 per transfer, this is less than the $37.00 per item fees that are assessed when your checking account becomes overdrawn without Overdraft Protection. For more information about Overdraft Protection, please visit your local Fifth Third Banking Center or contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday 8:30 a.m. to 5 p.m., ET. You will also find additional information on our website at 53.com and in the enclosed copy of the Bank’s Deposit Account Rules and Regulations. I also want to be sure that you are aware that Fifth Third offers alert services that provide you with information about your Fifth Third Bank Accounts, which can assist you with preventing future 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. Because checks and electronic payments are processed overnight, we cannot currently offer a real-time alert when your account becomes overdrawn. However, you can set up alerts to let you know when the balance reaches a specific amount you determine to 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. You can also schedule an alert that notifies you when an overdraft notice is available to be viewed on our website. While this alert will not prevent an overdraft, it will allow you to correct the negative balance sooner, which can help prevent any additional overdraft charges from being assessed. For a list of the account alerts offered by the Bank, please visit the alerts section within online banking or our mobile app. Please also accept my sincere apologies for the level of service you received when you previously contacted the Bank regarding this matter. We strive to provide professional and accurate service to our customers, and we regret if this has not been your experience. 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 PC: Revdex.com Enclosures (6): Deposit Account Rules and Regulations Overdraft Notices (4) Overdraft Notification Letter Dated January 10, 2018

[redacted] [redacted] [redacted] Date: October 17, 2016 Regarding [redacted] Vehicle Loan Dear [redacted]: We received copies of the complaints you submitted to the Revdex.com (Revdex.com) and [redacted]...

[redacted] regarding [redacted] vehicle 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. 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 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. On August 5, 2016, we received notice that [redacted] had passed away. On that date, Ms. [redacted] vehicle loan was past due for the July 15, 2016, payment. On August 31, 2016, our Collection Department was notified of your intention to sell the vehicle. Since [redacted] was deceased, we required payment in full of the loan to release the title to the vehicle. On September 20, 2016, we referred the vehicle for repossession because no payments had been received, and the loan was over sixty (60) days past due. On September 21, 2016, at 3:30 a.m., we repossessed the vehicle. The payment of $600.00 that you made on September 20, 2016, was processed after the end of business that day, so we would not have seen the payment posted to the loan before the vehicle was repossessed. After receiving your complaints, on September 29, 2016, we arranged to have the vehicle towed to [redacted] so that you could sell the vehicle and pay off the loan. We also agreed to waive the repossession fee of $490.00. On October 5, 2016, we received the final payment of $3,996.01 to pay off the loan in full. Please allow seven (7) to ten (10) days for us to send the lien release electronically to the [redacted] BMV (Bureau of Motor Vehicles). A notice of lien release will also be sent directly to [redacted]. Once the lien has been released, [redacted] can obtain a lien-free paper title from the [redacted] BMV. It was certainly not our intention to cause you any hardship, and we hope that this letter resolves your needs. 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]

[redacted] [redacted] [redacted] [redacted] Date:...

December 19, 2016 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your installment loan lien release. We appreciate the time you have taken to express your concerns regarding this matter. Thank you for taking the time to speak with me on December 12, 2016. 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. Upon receiving your complaint we contacted our title department who verified the [redacted] title is the most recent title issued. Additionally, the Title Department has contacted the state of [redacted], who confirmed the title record they had was cancelled and no longer active. Please find enclosed a letter from our Title Department and the [redacted] Title History for your vehicle. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. If I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Title History Verification Letter

[redacted]Date: September 20, 2016Account: [redacted]Regarding Your Checking AccountDear [redacted]: We received a copy of the rebuttal complaint you submitted to the Revdex.com. Weappreciate the time you have taken to document your additional thoughts and concerns regarding thismatter.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may havecaused you. However, we stand by the response conveyed to you in our previous letter dated August 31,2016. Our position on this matter has not changed.As we explained in our previous letter, Fifth Third Bank processes transactions at the end of eachbusiness day. This does not include Saturdays, Sundays, and Federal Holidays. Credits and deposits areposted first, time-stamped debits are posted in the order in which they are received, and other non-timestampeddebits are posted in the order of the largest amount to the smallest amount. We were unable tolocate any recordings of your calls to the Bank explaining our posting order to you. However, as we statedin our previous letter, the items that posted to your account were posted in the correct order per our Rulesand Regulations.You also mentioned the overdraft settlement that applied to all persons in the United States who hold orheld a Fifth Third Bank account and who at any time from October 21, 2004, through July 1, 2010,incurred at least one (1) overdraft fee associated with at least one (1) Fifth Third Bank debit cardtransaction. The claim deadline was May 2, 2011. Our records confirmed that you did not receive a refundas part of that settlement.Additionally, you mentioned that overdraft fees totaling $259.00 were waived due to a fraudulenttransaction. Our records do not show any disputes on file for your account. If you would like for us toresearch this matter further, you may contact me at either number below.Again, it was certainly not our intention to cause you any hardship. Unfortunately, we are still unable towaive any additional fees per our bank policy.Thank you for your patience while we researched this matter for you. We truly value your business, andwe certainly hope that you will continue your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Mondaythrough Friday, 8 a.m. to 6 p.m., ET.Sincerely,Elizabeth D.Office of the PresidentPc: Revdex.com

[redacted]Date: July 10, 2015Regarding Your Bank Owned Home PurchaseDear [redacted]:We received a copy of the letter you sent to the Revdex.com. 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 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.According to page five (5), paragraph twelve (12) of the purchase contract for the property located at [redacted], the items that the Seller, in this case Fifth Third Bank, is obligated to repair or replace may be inspected by a person who specializes in and holds an occupational license (if required by law) to conduct home inspections or who holds a [redacted] license to repair and maintain the items inspected. The Seller is only obligated to make such general repairs as are necessary to bring the specified items to working condition. I have enclosed a copy of the Residential Contract For Sale And Purchase for your review.Fifth Third Bank paid to repair the well located on the property to restore it to a working condition sufficient to satisfy a home inspection. Therefore, the Bank is unable to reimburse you for any expenses paid for additional work performed on the well. We regret any inconvenience or frustration this may cause you.If I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,Adam P.Office of the PresidentPc: Revdex.comEnclosure: Residential Contract For Sale And Purchase