PROCORPSA

[redacted] [redacted] [redacted] [redacted] Date: July 15, 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. 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 concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Our records show that you first contacted Auto BillPayer on April 29, 2016, to set up automatic monthly payments for your installment loan ending in [redacted], and your installment loan was set up with the service on May 6, 2016. Unfortunately, the incorrect start date for your automatic payments was entered in error, so Auto BillPayer did not withdraw your payment due on May 30, 2016. As a result, your installment loan became past due. On June 30, 2016, Auto BillPayer withdrew your monthly payment; however, since the May 2016 payment had not yet been satisfied, that payment satisfied your May 2016 payment rather than your June 2016 payment. As of July 14, 2016, your installment loan is still due for your June 2016 payment of $1,796.47. It was certainly not our intention to cause you any hardship. On July 11, 2016, we waived the two (2) late charges totaling $20.00 that were assessed for your May 2016 and June 2016 payments. An update was also submitted to all four (4) credit reporting agencies to remove any delinquency that was reported as a result of the May 2016 payment not being withdrawn. However, our research shows that your installment loan was not reported as delinquent to the credit reporting agencies as a result of this error. The next Auto BillPayer withdrawal is scheduled for July 29, 2016. Please note that if your due date falls on a weekend or holiday, the payment will be withdrawn on the business day prior to the due date. As our Escalations Department informed you, you will need to satisfy the June 2016 payment in order to prevent further delinquency. It is our understanding that you requested for Fifth Third Bank to cover the payment. Unfortunately, we are unable to cover this payment as it is still your responsibility. Please be aware that if you do not satisfy your June 2016 payment prior to your next payment being withdrawn on July 29, 2016, your installment loan may be reported as delinquent to the credit reporting agencies, and additional late charges may be assessed. 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

[redacted] [redacted] [redacted] Date: November 15, 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 any frustration you experienced regarding this matter. On February 26, 2010, you agreed to a seventy-five (75) month vehicle installment loan in the amount of $28,865.66. Per the enclosed contract, the final payment for your loan was due on August 28, 2016. We submit information to the credit reporting agencies each month regarding the payments for the account. Payments received more than thirty (30) days after the due date are reported as late payments. Because the maturity date for the loan is the date by which the loan must be paid in full, the account is reported as late if the final payment due is not paid in full within thirty (30) days of the final payment date. On September 16, 2016, you spoke to our Collection Department to advise you sent a payment to the Bank the previous week. Our Collection Department advised that the loan had to be paid in full by November 28, 2016, which was ninety (90) days after the maturity date. You set up payments for the loan during this phone call. We were able to review the phone call, and we confirmed that credit bureau reporting was not discussed. After reviewing the account, we confirmed that the loan was not paid in full until October 17, 2016. The loan was paid in full more than thirty (30) days after the final payment date; therefore, the thirty (30) day late payment reported for the August 2016 payment is accurate. We are unwilling to remove the late payment from your credit report. I am sorry for any distress this may cause you. Fifth Third Bank complies with the Fair Credit Reporting Act (FCRA) to report accurate account information. Our records reflect that you requested to speak to a supervisor on October 18, 2016. You were transferred and left a voicemail for the supervisor that day. On October 19, 2016, a supervisor named Jessica called you per your request. However, she was unable to reach you and left a message for you. You spoke to the Collection Department again on October 21, 2016. The Collection Department representative you spoke to offered to transfer you to the supervisor’s voicemail, but you declined. I am sorry for any difficulties you experienced when attempting to speak to a supervisor. 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: Loan Contract

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.  While I understand 5/3 point of view, a customer is in a banking center to ask questions. When a representative of that company tells the customer not to make the payment as it will be included later, the customer believes that employee to be correct. Which is what happened here. I even described the employee we dealt with. Also, to 5/3 comment about how they stopped calling on a certain date. I signed papers and closed well before the harassing calls and letters stopped. They sent me a certified letter more than 2 weeks after I closed on the house and the new owners had already moved in. Their out of state collectors continued to call athe all hours of the day long after I sold the residence as well.I simply followed the directions of the employee at the location. For 14 years I owned that property. The only issue ever, was when I made my payment to a month early and they could not process the payment that early but did not bother to tell me and reassigned my payment into another account. That took them several months to get that straightened out. This being the last payment ever, I simply want them to reverse the late payment so I can purchase a home that I have worked so hard to provide for my family. This is the single reason I cannot purchase a new home overy 600 miles away. 
Regards,
[redacted]

[redacted] 
Date: October 26, 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 also received a copy of the complaint you submitted to the Federal Reserve Bank that was forwarded to the Consumer Financial Protection Bureau. 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 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 4, 2016, you set up recurring transfers for your installment loan ending in [redacted] in the amount of $229.88 for the fourth (4th) of each month via Internet Banking at 53.com. The first (1st) transfer from your checking account posted to your installment loan on August 4, 2016. The next recurring transfer was scheduled for September 2, 2016, because September 4, 2016, fell on a Sunday. On September 2, 2016, you scheduled a transfer from your checking account to your installment loan in the amount of $1,359.81 to pay off your loan. You also attempted to cancel the recurring transfer of $229.88; however, the cancellation failed because the transfer was already in process. Since the cancellation failed, both transfers were completed on that day. The payment of $229.88 was not applied to your loan since we received the payoff payment of $1,359.81. The payment of $229.88 was considered an overpayment. Overpayments are typically held for ten (10) business days before being returned to the customer. The payoff payment of $1,359.81 was short by $4.43, so funds in the amount of $225.45 were credited to your checking account on September 13, 2016. Thank you for your patience while we conducted our research. We truly value your business, and we look forward to continuing our banking relationship with 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, Elizabeth D. Office of the President Pc: Revdex.com, Consumer Financial Protection Bureau

[redacted] Date: March 22, 2018 Account: [redacted] 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 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 concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. We were unable to locate a record of receiving a request to close your account in August of 2017. Before an account can be closed, the account must have a $0.00 balance. According to your account statements, the account never had a balance of $0.00 in August of 2017. Additionally, there was regular activity in the account in August of 2017 and the account maintenance history does not indicate a request to close the account in August of 2017. In September of 2017; however, there was a request to close the account. On September 27, 2017, you visited our [redacted] banking center to close your account. The balance in the account at that time was $15.62. The $15.62 remaining balance in the account was withdrawn and provided to you as cash. Although the account was brought to a balance of $0.00, the employee assisting you did not close the account at that time. Since the account was not closed, the account became overdrawn when the $11.00 monthly service charge was assessed on October 20, 2017. The ending balance in the account on October 20, 2017, was negative ($11.00). On November 2, 2017, a $10.00 transaction posted to the checking account. The ending balance in the account on November 2, 2017, was negative ($21.00). Since the account was overdrawn, on November 3, 2017, $33.00 was transferred from your Check Card Plus account ending in [redacted], which is the account that was providing overdraft protection for your checking account. $21.00 was transferred to cover the overdraft and the additional $12.00 was for the overdraft transfer fee. The ending balance owed on the Check Card Plus account on November 3, 2017, was $34.00, which included the $21.00 transferred to cover the checking account overdraft, the $12.00 overdraft protection transfer fee, and the $1.00 minimum finance charge. On November 3, 2017, you visited our [redacted] banking center. At that time, the employee assisting you requested the remaining fees on the account to be adjusted so the account could be brought to a balance of $0.00 and closed. The account was closed on November 9, 2017, after the remaining fees were adjusted and the account was brought to a balance of $0.00. Although the checking account was closed on November 9, 2017, there was still a balance of $34.00 owed on your Check Card Plus account. Since the Check Card Plus account was not paid, it was assessed finance charges and late fees. The calls that you were receiving from our Collections Department were calls collecting on the balance that was owed on the Check Card Plus account. We understand your concerns about the collection calls you received. Our Collection Department begins making calls to customers when a payment is not received by the due date. These calls were put into place by Fifth Third Bank to help make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. They are certainly not intended to cause you any hardship or frustration. Since your complaint letter requested that Fifth Third Bank stop calling to collect on the account, your cease and desist request was processed on February 23, 2018. Since the banker who assisted you on November 3, 2017, should have noticed, and explained the balance owed on the Check Card Plus account, interest charges, and late fees were reversed and the account was closed on March 16, 2018. As of March 19, 2018, there was still a $34.00 balance owed on the card from the original overdraft transfer; therefore, we reversed an additional late fee of $35.00, which left a credit balance of $1.00 on the card. Since there is a $1.00 credit balance on the card and the account is closed, a $1.00 check will be mailed to you for the credit balance on the card. You will receive the check within two (2) weeks from the date of this letter. I also want to be sure that you are aware that, on March 16, 2018, we have submitted an update to all four (4) credit reporting agencies to remove the negative reporting of the Check Card Plus account. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. Please also be assured that we will continue to conduct reviews and follow up with the credit reporting agencies until we ensure the account is reporting correctly. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### For your review and convenience, all of the account statements and overdraft notices for the period from July 20, 2017, to November 17, 2017. Since statements are not generated for the Check Card Plus account, no statements for that account are provided. A copy of the credit bureau correction letter dated March 16, 2018, is also enclosed. [redacted], on behalf of the Bank, please accept my sincere apologies for the issues you have experienced concerning the closure of your checking account. 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 (2): Statements and Overdraft Notices Letter Dated March 16, 2018

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. 
Section d of the contract states that if the vehicle is lost or damaged the bank may use the insurance funds to reduce what is owed on the vehicle. Nowhere in the contract does it state that the application of the method would not be counted towards the monthly payments in this scenario. Page 2 section a of the contract states that I agree to payback the bank everything owed even if the vehicle is damaged- which is something I have yet to fail to do. The issue at hand is the practice that Fifth Third is taking in regards to payments received. The payment received from the insurance company should have counted as the monthly payment for October and should have advanced the payment plan as the payment was in excess of the monthly amount required by the bank. However, Fifth Third Bank has chosen, to their benefit, to not count those payments towards the monthly payments, claiming that such payments do not come from me. Fifth Third Bank, am I not the owner of the insurance payments that you received as I am the one that yearly pays my insurance company so that I am covered in occasions such as these? Is the money coming from the insurance company-hence- not my own money as well? Was it not paid on my behalf? How can you say that these monies did not come from me and therefore chose to not apply them to the monthly payment of the loan? This is an unethical business practice that benefits Fifth Third Bank as you are able to charge a late fee to the consumer. Fifth Third Bank fails to explicitly state that insurance payments received are not to be counted as monthly payments in the occasion of vehicle total loss or total damage. The fact that you apply the insurance payments first to the principal of the loan and then to the interest is a practice that you chose to exercise without informing me of it until a scenario as this occurred, and without me agreeing to it as it is not stated in the contract that I signed.
Furthermore, this whole experience really shows how much you truly care for your customers, your unwillingness to accept fault for this and not wanting to correct the information you have sent to the Credit Bureau, over a late payment of $38 dollars, which is what was owed on interest for the month of October is truly appalling. Do you realize that you are ruining my credit over $38 dollars of accrued interest from that month? All due to your inability to accept that you are not adhering to the contract signed and have chosen to exercise an unethical business practice all to gain profit from a late fee penalty? I did not mention in my first address the poor customer service I received from the manager on the phone in the collections department; but now I will. Although your employee was a manager, she chose to treat me with less respect than the one given to me by her subordinate. She repeatedly spoke over me until I finally had to tell her that it was a real shame that I was receiving such treatment from a supervisor. I had to shame her and tell her that she should be more mature than her subordinates and demonstrate true leadership by showing me respect and listening to my concerns so that she could address them properly. It's no wonder why you have such poor leaders as you yourselves are incapable of leading effectively and ethically. Fifth third Bank, you have truly been a great disappointment to work with and I will never do business with you. I am still expecting you to correct the claim that you have sent to the Credit Bureau.
Regards,
[redacted]

[redacted] Date: November 23, 2015 Account: [redacted] Regarding Your Business Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your...

business checking account with Fifth Third Bank. We appreciate the time you have taken to share your thoughts and concerns regarding this matter. On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that we have contacted the relevant parties to fully research your account and passed on your concerns. On October 23, 2015, your business checking account balance was positive $3.93. One (1) debit from [redacted] in the amount of $424.48 posted to your account. Your ending account balance was negative ($424.48). Since your account balance was not sufficient to cover this transaction, your account was charged one (1) overdraft fee of $37.00 on the next business day. Our records indicate that this overdraft fee was waived by the Bank on June 26, 2015. On October 25, 2015, your account balance was negative ($33.07). One (1) debit from [redacted] in the amount of $629.28 posted to your account. Your ending account balance was negative ($628.28). Your account was charged one (1) overdraft fee of $37.00 on the next business day. Our records indicate that this overdraft fee was waived on June 29, 2015. On October 30, 2015, your account balance was negative ($34.77). One (1) debit from [redacted] in the amount of $644.08 posted to your account. Your ending account balance was negative ($742.85). Since your account balance was not sufficient to cover this transaction, your account was charged one (1) overdraft fee of $37.00 on the following business day. During the following fifty (50) days, your account remained in a negative state while additional overdraft fees were being charged. Unfortunately, no deposits were made to your account to return the account to a positive or zero balance. As a result, your account was charged off for $319.77 on August 18, 2015. Please be assured that this account was not sent to a collection company and will not be reported to the credit reporting agencies as a charged off account. All overdraft fees were waived when the account was closed. Therefore, we are unable to waive any overdraft fees on the account, as you have requested. Thank you for your patience while we researched this matter for you. You are a valued customer, and we look forward to servicing your financial needs in the future. If I may 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, Lisa S.Consumer Resolution Specialist 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.  The response from 5/3 bank is only another apology, and one that misses the mark altogether.  The response to my complaint fails to mention that the bank manager assured me the deposit would go through.  To simply state the policy of signatures needed on a check, without mentioning the bank manager’s mistakes on this issue is an avoidance of accountability at the highest level.  I now know your check deposit rules when the check is made out to 2 people...your teller knew these rules when she mentioned it to the bank manager at the time, but somehow the guy running the branch thought he could supercede this without a 2nd signature.  An apology doesn’t get my wife and I our honeymoon.  I am currently seeking legal action into this matter.  I will also choose a different bank to do my business as I feel more comfortable with a bank that hires competent people to handle my money as well as a more ethical upper management team that holds people accountable and makes right what they wrong to their customers.
 
Regards,
[redacted]

[redacted] Date: October 16, 2017 Regarding Your Mortgage Applications Dear [redacted]: Thank you for your correspondence concerning your recent mortgage loan applications. We received a copy of the complaint you filed with the Revdex.com on October 9, 2017. Your loan applications were submitted to Fifth Third Mortgage, which is an affiliate of Fifth Third Bank. The Office of the President researches and responds to our customers concerns regarding Fifth Third Mortgage. We strive to provide an exceptional experience to our customers and I am sorry we did not meet your expectations. Please be assured customer feedback is reviewed by our executive management team as part of our ongoing commitment to improving our operations. We were able to review your additional complaint regarding your mortgage applications. Please be assured that we submitted updates to the credit reporting agencies on September 1, 2017, to remove the August 15, 2017, inquiry. Since you mentioned that the inquiry is still reflected on your credit report, and it has been more than thirty (30) days, we have submitted another update to the credit bureau agencies to remove that inquiry. Please allow up to thirty (30) days for the credit bureau agencies to update their reporting. Please also note that the Bank does not have a way to confirm whether or not an inquiry has been removed from your credit report. You mentioned in your follow up complaint that you had sent me several email messages and that I did not respond to you. During our conversation on September 29, 2017, you requested my email address so that you might forward me some of the email correspondence you received from our Bank employees. I did provide you with my email address as you requested. I also stated to you, that while I could receive your email, I would not be able to respond back to you via email. I do acknowledge that I did receive email correspondence from you and I have added it to your complaint file. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you; however, the remainder of your concerns were reviewed and addressed in our previous response letter dated October 6, 2017. For your reference, I have enclosed our prior correspondence. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### 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 ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W[redacted] Office of the President Pc: Revdex.com Enclosure: Prior Correspondence

[redacted] Date: January 29, 2018 Regarding Your Recent Credit Card Application Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your recent credit card application....

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 concerns are reviewed by members of senior and executive management as part of our ongoing commitment to improving customer satisfaction. During our telephone conversation on January 26, 2018, I explained that the offer you received from the Bank was a credit card pre-approval offer. I also explained that the 0% introductory Annual Percentage Rate (APR) on purchases and balance transfers for the first (1st) fifteen (15) billing cycles is the Bank’s current [redacted] ® Credit Card offer. In short, you can take advantage of the introductory APR without a pre-approval offer by applying for the card. At that time, you explained that you would consider applying for the card on our website at 53.com. If you decide to apply for the card, soon after submitting the application, you will receive written correspondence from the Bank communicating the outcome of the application to you. If you have additional questions or concerns, you may also contact me directly at the telephone number provided in this letter and I will be happy to assist you. 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 customer 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

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.  
[AS I stated I was told my loan due date was he 28th and even if the paperwork states something different I spoke with two representatives on two separate occasions about making my payment due on the 28th, which that being the case I have never been 15 days beyond the 28th of the month with any of my payments.  my payments are made by my bank and I can show my payments are made on the 28th.  They maybe be a day or so in posting to my account but never 15 days beyond the due date.]
Regards,
[redacted]

[redacted] Date: October 16, 2015 Account: [redacted] Regarding the Credit to Your Debit Card Dear [redacted] and [redacted]: We received a copy of the complaint you submitted to the Better...

Business Bureau regarding the debit card credit the Bank received after you closed your 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. On September 25, 2015, we sent a check to you for the credit of $538.00 that we received from [redacted] after you closed your checking account ending in [redacted]. Unfortunately, the check was sent to your former address in [redacted]. After receiving your complaint, we placed a stop payment on this check and reissued a new check to your new mailing address listed above on October 14, 2015. I hope this letter meets your satisfaction and resolves your needs. 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: Revdex.com

I would like to be compensated for the numerous hours I spent trying to resolve this and the fact that it took 13 months to resolve. A refund of the money owed to me is not sufficient.

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.
This response also does not say anything as far as providing any form of assistance for the reasons I have been mentioning all along to the dispute dept. Saying that my dispute was denied based on my own information regarding my dispute is not and would not be an acceptable reason for anyone. This is the second response throught the Revdex.com that just is titled Information Regarding my Checking Account [redacted]. Then it says it is appreciated the time I have taken to express my concerns. Yes my dispute is with a merchant for $350 and the agreed upon services were not rendered. I am ONLY being told by this dispute department that it was denied based on my own information. There waa NO RESPONSE from the merchant.The response says that I believe that services were not rendered. Which I have explained in detail as to why that is the case. If services were rendered on 5/26/2016 and the merchant had obtained the information that they said they would then yes services would have been rendered and there would not need to be a dispute for the transaction that yes is on my bank statement showing the $350 charge after the merchant for the services that she claimed were going to be provided on 5/26/2016, had me text her the front and back of my bank card. In which I found out that same day that she did not obtain the information discussed for the charge of $350. The merchant must believe also that services were not rendered due to the fact that she chose not to respond to the bank dispute at all, even within 90 days.With this, the questions I have regarding this matter have not been answered. I have asked several times when I have called and am told "I do not know the answer to that". I have been told different things as far as why the dispute was denied based on my own letter. Because of the things said by different customer service reps. in the dispute dept. I can only conclude that there is much confusion about my dispute and how to even provide assistance. Yet I received the letter submitted to the Revdex.com dated 8/17/2016 that says nothing as usual just that my dispute was denied and that I can call with questions and to receive documents used in my dispute. I have not been provided assistance with either. In speaking with Lemont who claims to be the mgr. there, he said that he did not even have my letter but had a response from the merchant. Yet I have been told there is no response from the merchant and when so, the dispute is approved not denied.As I have also asked and explained that I had even called the dispute dept as of 8/6/2016 and was told that there still was no response from the merchant and that the dispute will be in my favor in this case. So please indicate why since there was never a response did this not have an impact on my dispute?Once again, as I have asked before too. If in fact a decision was made based on my own details. My details were provided when I first initiated my dispute on 5/27/2016. Also in my detailed letter explaining how services were not rendered dated 6/6/2016. I was told in the first letter from the dispute dept. that there would be a decision within 30 days. Why other than waiting for the merchant to respond in which they did not did I get a dential based on my own information that would have taken 90 days?I have stated over and over the questions and even the response 9/7/2016 as usual does not answer them. They are again as follows:Since telling someone ONLY that there dispute was denied based on there own information is not clear or even makes sense. What specific reason was my dispute denied based on my own information?Since I am only being TOLD that services were rendered to be by the merchant. How exactly did they come to this conclusion? Especially with no response from the merchant explaining if she thought so, or even showing proof that she would have.The customer service issues even with the mgr. Lemont during our phone conversation on 8/26 being extremely inappropriate and just wierd. The extremely vague letter from the Dispute dept. dated 8/17 along with the letters through the Revdex.com dated 9/1 and 9/7 that do not explain any of this. It appears as though proper time was taken to allow the merchant to respond which I had been told would be 90-120 days. When the merchant did not respond and the money should have been credited back to me., it seems there was the decision made to not do so. Yet there is no back up for doing so. And obviously not even concern or surprise as why anyone would have questions in this case.The questions above that have the ? after them are the questions that I have and have had since my first call to the dispute dept. on 8/25/2016 after receiving the letter dated 8/17 that did not say anything relevant to why my dispute was denied in which I need to call to even be told that it was denied based on my own details. Does not even make sense why someone would file a dispute if they received services and doesn't meke sense that the merchant would not need to respond to the dispute.The time that the dispute dept. is taking to not say anything or provide assistance is only making me have to spend more time in getting the above questions answered which is now 2 weeks and I placed my dispute 5/27/2016 with proper detail and the questions above are not that difficult. If someone can not only not file a dispute but have it handled appropriate why would someone want to bank with this bank.
Regards,
[redacted]

Date: February 7, 2018 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your 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 were able to review your concerns regarding the [redacted] Pay transaction for $1,500.00 that was deducted from your account on January 25, 2018. Our review determined that this transaction dispute was originally denied until we received your reassertion letter. On February 1, 2018, a final credit was issued to your account for $1,500.00. That same day, a final letter was sent to you confirming that the dispute was approved. For your reference, I have enclosed a copy of that final letter. 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 Enclosure: Final Letter

[redacted] Date: March 10, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the follow up letter you sent to the Revdex.com regarding your mortgage loan. 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 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 our customers’ satisfaction. According to our records, when the loan was originated in September 2005, the Bank ordered an appraisal of the property from [redacted]. At that time, the property was appraised at $47,000.00. A copy of that appraisal is enclosed for your review. When a customer disagrees with the appraised value of the property during loan origination, there is a procedure in place at the Bank that allows a customer to request that a new appraisal is ordered; however, the process to dispute the appraised value must occur within a reasonable timeframe during the loan origination process. Unfortunately, the ability for you to dispute the appraised value of the property is now outside of that timeframe. Please also be aware that a property appraisal is performed by a disinterested third party, in this case [redacted]. The appraisal in question was not performed by the Fifth Third Bank. 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 Enclosure (1): Appraisal

[redacted] Date: December 23, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your installment loan account. We appreciate the time you have taken to express your continued thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On behalf of the Bank, I apologize for the difficulties and concern this situation has caused you. However, we stand by our previous correspondence dated December 2, 2016, regarding the credit processed to your loan. Our position on this matter has not changed. For your reference, I have enclosed a copy of our previous correspondence and all enclosures. As advised in our previous correspondence, the interest rate for the first (1st) portion of your modification was correctly adjusted to the 5% Annual Percentage Rate (APR) per your modification. This information is listed in the payment history previously provided. You can view the interest rate change on page five (5) of the payment history for the date of September 14, 2011. We verified that the 5% APR portion of the modification processed correctly, and no adjustments are needed for that timeframe. The only error on your modification was that the interest rate increased to 9.8% APR instead of 7.5% APR on August 21, 2013. As previously explained, we completed an amortized payment history to determine how much money we needed to credit to the principal balance of your loan due to the interest rate error. Our previous correspondence explained how we determined what we needed to credit to the loan. However, I understand you have continued concerns that the amount was not accurate. An amortized loan is a loan where the interest paid each month is pre-determined and is not based on when the payment is actually received. If a payment due on the first (1st) of the month is not received until the twelfth (12th) of the month, you still only pay the interest that was owed as of the due date. This is how we calculated the amortization schedules. However, your loan is actually a simple interest loan. Simple interest loans accrue interest daily based on the Annual Percentage Rate (APR) being applied to the outstanding principal balance owed each day. For this reason, it matters when the payment is received. If a payment is due on the first (1st) but it is not paid until the twelfth (12th), interest is still accruing daily from the first (1st) to the twelfth (12th) so more of the payment is applied to interest than it would have if the payment was made on time. To be certain that the Bank sufficiently credited your loan, I manually calculated a payment history for the loan based on the correct 7.5% APR and the actual payments you made to the loan. A copy of this history is enclosed. Because we confirmed that the 5% APR processed on the loan correctly, the manually calculated payment history begins with the $61,312.13 loan balance after the June 21, 2013, loan payment processed. You will note there are rows that are highlighted. These lines are highlighted because the interest rate applicable during that time since the previous payment is blended. As a result, the interest had to be calculated for each applicable APR and/or daily interest rate separately and then added together to determine the total interest due for that payment. We adjusted the APR from 9.85% to 7.5% in August 2016. I completed the manual payment history through the September 23, 2016, payment to ensure we credited all necessary funds. Per the manual calculation, the principal balance of your loan after the September 23, 2016, payment would have been $56,223.29 if the interest rate had correctly adjusted to the 7.5% APR. Per the enclosed payment history, the actual principal balance of your loan after the September 23, 2016, payment, which was after we processed the $4,864.58 credit to the account, was $55,714.44. This information confirms that your principal balance is now less than it should have been if the interest rate had adjusted correctly. No additional funds are owed to you for the account. We are unwilling to provide you with additional compensation for the alleged damages related to failure to sell the property. You also mentioned concerns about the modification contract that you signed for the loan. Please be assured that the contract was forwarded to our Legal Department for review. We confirmed that the wording used in the document is legal. However, we no longer include the wording regarding a waiver of liability in our current modification agreements. Additionally, we do not enforce the waiver language as it is listed on your modification agreement. 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: Previous Correspondence

[redacted] Date: May 12, 2017 Account: [redacted] Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received your complaint 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. Thank you for taking the time to speak with me via the telephone regarding your concerns with your installment loan. To recap our conversation, I explained that I had waived one (1) overdraft fee of $37.00, and one (1) $15.00 return deposit item fee to your checking account ending in [redacted] on May 4, 2017. On May 3, 2017, I waived a late fee of $16.50 on your installment loan. I also offered to reverse the payment that was made by our Collections Department on May 1, 2017, for $252.03; however, you would need to make alternate payment arrangements for that payment with our Collections Department. You stated that you did not want us to reverse the payment. Your installment loan is currently due for the May 18, 2017, payment of $255.07. As of today, your checking account balance is negative ($460.38) and has been overdrawn for eight (8) days. Please ensure that a deposit is made to your account to cover the negative balance as the Bank will charge off your checking account and report it to ChexSystems if the balance remains negative for fifty five (55) days. When a debt is owed for one (1) of your accounts, the Bank has the right to transfer funds from another account you are an owner of, to cover the debt owed to the Bank. This is known as the Bank’s right to offset, and is disclosed in our Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards. On page eleven (11) section seven (7) of our Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards, 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 Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards. Please note that there is no required number of telephone calls that must be made in order for the Bank to exercise the right to offset. The right to offset can be used any time your account is past due. We apologize for any difficulty or concern this may have caused you. Our Collections Department may reach out to you via the telephone, or via standard mail to alert you of the past due status of your account. In reviewing our records, it does appear that our Collections Department attempted to contact you via the telephone on several occasions, using the telephone number we have on file of ###-###-####; however, they were not able to reach you. Multiple attempts to reach you were made. I have included a list below of the days telephone calls were placed to you. February 23, 2017-February 28, 2017 March 1, 2017-March 4, 2017 March 6, 2017-March 11, 2017 March 13, 2017-March 15, 2017 March 23, 2017-March 31, 2017 April 1, 2017 April 3, 2017 April 6, 2017-April 8, 2017 April 10, 2017-April 15, 2017 April 17, 2017-April 22, 2017 April 24, 2017-April 29, 2017 The Bank may make several calls each day in an effort to obtain a payment or to arrange suitable payment arrangements with you. When placing telephone calls, our Collections Department does not leave a voicemail message. The letter mentioned in your correspondence that was dated May 2, 2017, was the only letter that the Bank sent to you. During our research into this matter, we discovered an issue with two (2) checks that were recently deposited into your account and then returned into your checking account. On April 19, 2017, we received your Automated Teller Machine (ATM) check deposit of $47.00. On April 24, 2017, the item was returned with the return reason listed as “Unable to Locate.” On April 28, 2017, we received your ATM check deposit of $255.07. On May 3, 2017, the item was retuned with the return reason listed as “Unable to Locate.” Copies of the checks that were returned are enclosed for your review and convenience. Also enclosed for your reference is a copy of your account statement for the period from April 12, 2017, to May 11, 2017. This return reason of “Unable to Locate” is listed when the paying institution of the account from which the check is drawn, either does not exist or has been closed. Since this type of activity presents an unacceptable level of Risk for the Bank, our Bank Protection Department has made the decision to close your account. On May 10, 2017, our Bank Protection sent a letter to you informing you that your checking account would be closed by the Bank within thirty (30) days from the date of the letter of May 10, 2017. A copy of the letter dated May 10, 2017, is enclosed. As is indicated on the enclosed copy of the letter dated May 10, 2017, if you have additional questions regarding the activity in the account that prompted the Bank’s decision to close your checking account, within thirty (30) days from May 10, 2017, please call our Bank Protection Department. Our Bank Protection Department can be reached at ###-###-####, Monday through Friday, 8 a.m. to 7 p.m., ET, Saturday, 8 a.m. to 12 p.m., ET. 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 ###-###-####, 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 Enclosures (4): Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards, Copies of Returned Checks, Checking Account Statement

[redacted] Date: June 29, 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 attempted to contact you via telephone on June 26, 2017, regarding this matter. I am sorry that I was unable to reach you. It is my understanding from your complaint that an airline processed a transaction to your account two (2) times. I reviewed your account and determined that [redacted] processed a $65.19 transaction to your account via the debit card on June 19, 2017. They processed another transaction of $109.20 to your account via the debit card on June 21, 2017. This second (2nd) transaction caused an overdraft on your checking account. The balance in your checking account at the end of the day on June 20, 2017, was $32.72. You received a $32.98 credit to the account from PayPal on June 21, 2017. This increased the balance to $65.70. The $109.20 debit card transaction from [redacted] posted on June 21, 2017. Per the Bank’s Overdraft Calculation Order, the debit card transaction was deducted from the balance first (1st), which reduced the balance to negative ($43.50). We then processed the $50.00 cash withdrawal and $12.62 debit card purchase. The ending balance in your checking account on June 21, 2017, was negative ($106.12). Three (3) overdraft fees totaling $111.00 posted to the checking account the next business day. Fifth Third Bank posts transactions during the overnight hours. As a result, the account could show a positive balance during the business day, but if transactions come through to be paid that day and they are processed during our overnight hours, then the ending balance for that business day could be negative. The $109.20 transaction to [redacted] shows the purchase was initiated on June 20, 2017. However, the transaction was not submitted to the Bank as pending on your account at that time. As a result, you were able to complete the $50.00 cash withdrawal and $12.62 debit card purchase without showing the account in the negative. [redacted] requested that we pay them the $109.20 on June 21, 2017, which was processed during our overnight processing hours for the business date of June 21, 2017. The [redacted] transaction caused the overdraft. Per the processing order listed on page fourteen (14) of the enclosed Rules and Regulations, the $109.20 transaction had to be processed first (1st) because the timestamp for when the transaction was initiated was June 20, 2017. Even though you received a direct deposit on June 22, 2017, the direct deposit on June 22, 2017, cannot cover transactions posting to the account for June 21, 2017. The overdraft on the account was valid. We previously waived $74.00 in overdraft fees as a courtesy to you in the previous twelve (12) months. We are unable to reverse additional fees at this time. Based on your complaint, it appears that [redacted] should have processed only one (1) transaction, and not two (2). If this is the case, please contact our Dispute Department to dispute the unauthorized transaction. The Dispute Department can be reached toll-free at ###-###-####. The Dispute Department is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. You also mentioned a $200.00 New Account Bonus for opening the account. I reviewed your account and confirmed it was opened with a bonus offer to receive $200.00 after receiving direct deposit and completing three (3) Online Bill Payments via our website at 53.com within ninety (90) days. You completed the direct deposit requirement for the bonus. However, you did not complete the three (3) Online Bill Payments required. For this reason, the account did not receive the $200.00 bonus. We are unwilling to provide the $200.00 bonus because you did not meet the terms of the offer. While reviewing your account, I noticed that you opted in to Overdraft Coverage on February 9, 2017. Enclosed is a copy of the letter we sent to you confirming the selection. Overdraft Coverage allows the Bank to authorize one (1) time debit card transactions even if there are insufficient funds in the account. Enclosed is a document titled Fifth Third Overdraft Solutions for Consumers. This document explains Overdraft Coverage in detail, and advises how you can change your Overdraft Coverage selection at any time. 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: Rules and Regulations, Overdraft Notice, Overdraft Coverage Letter, Fifth Third Overdraft Solutions

This company continues to damage my credit worthiness. I was told that this would be removed from my report if it was paid. I paid over 1100.00 and this is still on my credit report as a charge off by fifth third bank. They are not about quality customer service and do not value their customers. I have been calling them to resovle this issue since March when I paid the settlement amount.