PROCORPSA

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[redacted] Date: July 8, 2016 Account: [redacted] Regarding Your Fifth Third Bank Access 360 Account Dear [redacted]: Thank you for the letter you sent to the Bank regarding your Access 360 account. We appreciate...

the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the level of service you received from the Access 360 customer service department. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. I also want you to know that our senior and executive management teams review customer feedback as part of our ongoing commitment to improving our customers’ satisfaction. However, I cannot inform you of any specific internal actions that may be taken. Enclosed is a copy of the Access 360 terms and conditions provided to you at the time you opened your account. Please note the Authorized Holds section on page three (3) item fourteen (14). Which states: Our research confirmed the $881.86 hotel purchase posted to your card on July 2, 2016. As of July 7, 2016 your available balance is $84.90. We strive to provide professional and accurate service to our customers, and 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, Patrick S. Office of the President Enclosure: Access 360 Terms and Conditions

[redacted] 
[redacted] 
[redacted] Date: June 15, 2016 Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding...

your recent customer service experience. We appreciate the time you have taken to bring this matter to our attention. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. After reviewing your complaint, the relevant parties were contacted to express your dissatisfaction with the level of service you received from our Auto BillPayer Department. We understand the frustration this situation has caused. Please be assured that your [redacted] account was credited for the payment of $1,300.00 on June 10, 2016. If the credit has not posted to your [redacted] account, please contact me at the phone number provided below. Please be assured that Fifth Third Bank takes comments regarding inadequate customer service and potential security breaches very seriously. Management in our Auto BillPayer Department has spoken with the representative concerning this situation, and they have been made aware of the level of service expected from all Fifth Third Bank employees. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction. Thank you for allowing us the opportunity to respond to your concerns and resolve this issue. 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 call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President

[redacted] Data & Network Solutions LLCAttn: [redacted]Date: May 26, 2015 Account: [redacted]Re: Dormant FeesDear [redacted]:We
received a copy of the complaint you filed with the Revdex.com
regarding your Regular Business checking account. We...

truly appreciate the time
you have taken to share your thoughts and concerns with us.On
behalf of the Bank, please accept my sincere apologies for any inconvenience
this matter may have caused you. Please be assured we have researched this
matter fully, and passed on your concerns to the relevant parties within the
Bank. I also want you to know that customer feedback is reviewed by our senior
and executive management teams as part of our ongoing commitment to improving
our customers' satisfaction.Fifth Third Bank
offers a variety of ways for customers to manage their accounts. We have
services available to help you keep track of your account balance and the money
you have spent. These include:Logging on to 53.comUsing the mobile AppText or email alertsA Fifth Third ATMCalling ###-###-####Visiting a banking centerFor
your convenience, I have enclosed a copy of our current Rules and Regulations
which you received at the time you opened your account. Page five (5) and page
seventeen (17) detail how an account can become dormant and what fees can be
assessed. I apologize if you were unaware of this policy.Dormant
accounts receive one (1) statement each year, which is mailed at the end of
December. If activity occurs on your account that removes it from a dormant
state, you will begin to receive monthly statements again. When your account
first became dormant, we informed you of this account status change on your
checking account statement that ended on November 30, 2012. A statement was
issued in November 2013 due to the transaction that posted to your account.Copies
of the account statements from November 2010 to December 2014 are enclosed for
your review. Please note the address on the monthly statements is the mailing
address you provided to the Bank at the time of account opening. If this
address needs to be updated, I encourage you to contact the customer service
department to modify the account mailing address. The customer service
department can be reached at ###-###-####, Monday through Friday 7:00 a.m. to
8:00 p.m.; Saturday 8:30 a.m. to 5:00 p.m., ETWhen
your account first became dormant, we informed you of this account status
change on your checking account statement that ended on November 30, 2012. Once
an account becomes dormant you will receive one (1) statement each year, which
is mailed at the end of December. If activity occurs on your account that
removes it from a dormant state, you will begin to receive monthly statements
again. A statement was issued in November 2013 due to the transaction that
posted to your account.Due
to inactivity on your checking account, the account has been assessed eighteen
(18) $5.00 dormant account fees. On May 5, 2015, a request was submitted by the
management team at the Union Banking Center to reverse six (6) of the dormant
fees and a $30.00 credit posted to your account. While we sympathize with the
most recent difficulties you have encountered, we are unwilling to waive all of
the dormant fees your account was assessed, as you have requested.It
was certainly not our intention to cause you any hardship or frustration and we
appreciate your patience while we researched this matter. 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,[redacted]Senior Consumer Resolution Specialist Office
of the PresidentPc: Revdex.comEnclosure(s): Rules and Regulations,
Statements

[redacted] Date: December 7, 2016 Account: [redacted] Regarding Online Payments Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com regarding...

your credit card payments. We appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Please find enclosed a copy of the Fifth Third Bank card agreement for your account and a copy of the last four (4) credit card statements and a screenshot of your online bill payment activity. Upon receiving your complaint, we contacted our internet banking department with your concerns. Our research has confirmed you have not set-up an automatic recurring payment for your Fifth Third Bank credit card. On September 14, 2016, the Bank issued your credit card statement indicating a balance of $119.11 with a minimum payment of $35.00 due by October 11, 2016. The interest rate for new purchases on this statement was 24.24%. Our research confirmed you set up a manual payment of $119.11 to your credit card on October 6, 2016. The online payment posted to your credit card on October 7, 2016. On October 14, 2016, the Bank mailed your credit card statement indicating a new balance of $146.23 with a minimum payment of $35.00 due by November 11, 2016. The interest rate for new purchases on this statement was 24.24%.Our research determined you did not set up a manual online payment prior to the due date. The Bank did not receive a payment prior to the next statement being mailed on November 14, 2016. Your November 14, 2016, statement indicated a new balance of $193.58, with a minimum payment of $70.00 due by December 11, 2016. The minimum payment included a past due amount of $70.00.The interest rate on this statement is 24.24%. Because you did not make a payment prior to the November 11, 2016, due date, you were assessed a $25.00 late payment and $3.32 in interest on November 14, 2016. On November 22, 2016, you set up two (2) online payments to your credit card. The payments both posted to your credit card the next business day. In addition you set up a payment with the Collection Department and an online transfer with your savings account. In total you mad $444.81 in payments. Please use this letter as verification that you have overpaid your credit card account by $251.23 If you would like information on how to set up a recurring online bill payment or transfer to your credit card account, please contact the Customer Service Department at ###-###-####, or myself at the telephone number below. A customer service representative will be able to assist you with setting up your payment. They are available Monday through Friday, 7 a.m. to 8 p.m.; Saturday 8:30 a.m. to 5 p.m., ET. In your complaint you mentioned that the Bank had imposed a penalty interest rate on your account. Please note page three (3) section twelve (12) item e, which states in part: Penalty APR for Payments Late by 60 Days or More. Subject to Applicable Law, we reserve the right to increase the APR to 29.99% (corresponding Monthly Periodic Rate of 2.49916%) on all new and outstanding Account balances each time we do not receive at least the Minimum Payment Due within sixty (60) days of its Payment Due Date. As noted above, your payment due on November 11, 2016, was not received by the due date; however, you did make a payment within sixty (60) days of the due date. There was no negative information reported to the credit reporting agencies regarding this late payment, and you were not assessed the Penalty APR. 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 information to our customers, and apologize for any inconvenience this may have caused 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, Patrick S.Office of the President PC: Revdex.com Enclosures: Statements MasterCard Agreement Online Bill Payment Activity

Problem: I have another complaint filed with the Revdex.com filed in August now the bank has done the exact same thing again for the month of September and they still haven't resolved the issue from August. Sarah S. from the office of the President contacted me regarding the original complaint and promised...

to get it resolved. I followed her directions and still haven't heard back or received any resolution. Now in September the bank has charged me TWICE after telling me they wiped out all previous arrangements set up electronically to prevent any issues going forward. I spent 1 hour on the phone with customer service this morning speaking with a representative who left me on hold for 25 minutes pretending to seek out a supervisor who she later stated was in a meeting. I called and left multiple messages for Sarah regarding her follow up to my August issue and also alerting her to the issue that occurred now in September and of course NO ANSWER. How is it legal for this bank to continue to do this with no recourse?Desired Outcome: OVERDRAFT FEES REFUNDED ERRORS CORRECTED CUSTOMER SERVICE OR DOES IT NOT MATTER?

[redacted]Date: June 15, 2015Account:       [redacted]Regarding Your Checking AccountDear [redacted]:We received a copy of the complaint you filed with the Consumer Financial Protection Bureau and the Revdex.com...

regarding your account with the Bank. We appreciate the time you have taken to express your thoughts and concerns regarding this matter.Your comments expressing less than quality service when you emailed the Bank and when you contacted the Banking Center and spoke with the Personal Banker regarding the closure of your account are very concerning. Please be assured we have researched the concerns outlined in your correspondence and have forwarded them to the appropriate personnel for further review. Additionally, we have received confirmation that the Bank made the decision to close your account ending in [redacted] with a scheduled closure date of May 11, 2015, and communication was sent to you at the address on file at that time. I apologize if you did not receive it. However, when the Banking Center was unable to reach you over the telephone prior to the scheduled closure date, they extended the closure date to May 18, 2015. Unfortunately, they still did not hear back from you prior to the account being closed on May 18, 2015, so a check was mailed to the address on file for the remaining account balance. A copy of the letter sent to you at the above address, on April 30, 2015, regarding the account closure, is enclosed for your reference.It should be noted that we have also reached out to the Banking Center Manager, [redacted] regarding the situation. She advised that she had received her first (1st) call from you on June 2, 2015. It is our understanding that she advised at that time she needed additional time to research the possibility of placing a stop payment on the check that was issued to you. Additionally, she has advised that she left a message that same day advising that she did not have an answer regarding the stop payment and that she would call again on June 3, 2015. I apologize if this was not the case.I have confirmed that a new check was issued to you at the above address on June 4, 2015. If you have not received the check, please call me directly at the telephone number below and I will be happy to make arrangements for you to pick up the check at one (1) of our banking center locations.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,[redacted]Office of the PresidentPc: Consumer Financial Protection Bureau; Revdex.com Enclosure: Account Closure Letter

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. Please see attached documentation. Thank you.
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.   
We have never lived at [redacted] I don't even know who lives there. We live at [redacted] and have for almost 9 years. Looks like fifth third has screwed up yet again... surprise surprise!! 3 lost checks and now you are sending important sensitive information to the wrong address. I am furious. This is a violation of my privacy and people wonder why identity theft is such a problem. Maybe it's time to contact the press I'm sure readers would love to hear how the bank is sending my sensitive mail to an address unknown to us.
Regards,
[redacted]

[redacted]Date: March 13, 2017Account: [redacted]Regarding Your Balance...

Transfer PaymentDear [redacted]:We received a copy of the complaint you submitted to the Revdex.com regarding the balancetransfer payment for your Fifth Third Bank Cash Rewards [redacted]. We appreciate the time you havetaken to express your concerns regarding this matter. Your feedback is very important to us as it allowsus to better understand how we can improve our service to you.On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration thismatter may have caused you. We received the balance transfer payment of $1,787.00 on January 27,2017; however, we posted the payment to your mortgage loan ending in [redacted] in error. On February 23,2017, we reversed the payment from your mortgage loan and applied it to your Cash Rewards[redacted] ending in [redacted]. I am sorry for the delay in locating the missing payment. I hope this lettermeets your satisfaction and resolves your needs.As of March 9, 2017, there is a credit balance on your Cash Rewards [redacted] in the amount of$677.52. If you would like for us to return the funds to you, please let us know if you would like for us tosend you a check, or if you would like for us to transfer the credit balance to your Fifth Third Bankchecking account. You may call me at either number below, and I will be happy to assist you. Please alsonote that if the credit balance remains on your account for two (2) statement cycles the funds willautomatically be returned to you via check.Thank you for your patience while waiting for a response. It is a well-known fact that no business cansurvive without its customers, and we want to assure you 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 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,Elizabeth D.Office of the PresidentPc: Revdex.com

September 12, 2016Fifth Third BankOffice of The President[redacted]I received these two letters in the mail today as I had seen them also as your response to the Revdex.com. They both do not address anything at all as far as questions that I have asked since your letter dated 8-17-2016.My response also today to the Revdex.com was non acceptance again due to the fact that all questions in regards to my dispute being denied have not been answered. As all I am being told is my dispute was denied based on my own information indicating that services were rendered. Yet from the beginning when I initiated the dispute on Sat. May 28, I have been saying the opposite. That is the reason for me filing the dispute in the first place.Also no response was ever received by [redacted]. My own details which very much indicate that [redacted] advertises Free Phone Consultations on her website. I did not ever do any business with her on her website but obtained her phone number.Yet during the free phone consultation she said that for $350 she could obtain the information as far as the reason that the place of business indicated was coming to the home on both 4-13-2016 and 5-25-2016.This information was not obtained at all and only texted that it was not. After being asked to call to get the information from the business, she then said that she would on Tues 5-31 and she would be in touch. And she was not. Again she has not responded to your request either. This alone indicates fraudulent activity and my own details cannot say otherwise since I am the one that had $350 taken from me as the service that we discussed during the free phone consultation that would cost $350 was not provided.As the information she told me was not relevant or even asked for by me, at all for her to obtain and I detailed what information she had indicated it would be $350 to obtain.Without her response to you at all, there is no possible way that you could determine especially from my own letter detailing my dispute that it would be denied. As to why you would have taken 90 days only indicates the need to wait for her to respond but my letter was sent in June detailing my dispute.If my letter in fact was confusing to your office. I should have been contacted for further details even by phone. Yet the timeframe of 90 days indicates that my letter was not the reason for the dispute being denied as I would have received a denial letter earlier than August 17, 2016.[redacted]Fifth Third Bank CustomerChecking Account- [redacted]cc: Revdex.com

[redacted] Date: February 8, 2018 Account: [redacted] Regarding Your Mortgage Account Dear [redacted]: We received a copy of your complaint that was recently filed with the Revdex.com (Revdex.com) concerning...

your Fifth Third Bank Mortgage Loan. We appreciate the time you have taken to share your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. We have researched the issue surrounding the amount that has been paid from the escrow account associated with your mortgage loan account ending in [redacted], and have verified that the correct property tax amounts have been paid from escrow for the years 2014 – 2017. These amounts are as follows: 2014 $663.59 2015 $1,335.65 2016 $1,351.28 2017 $1,370.79 Our research has found that the property tax bill amount increased sharply from 2014 to 2015 because the property assessed value increased from $60,000.00 to $121,000.00 associated with the amount reflected under the Exempt and Exclusion category on your Property Tax Collections Bill. I have enclosed copies of the Property Tax Collections Bills received by the Bank for the years 2014 – 2017 for your records. If you have any questions concerning the information included in these bills, please contact your county tax office. Regarding your concerns associated with the shortages versus overages you have had in your escrow account at the time of your annual analyses over the span of the years in question, I have also included the Annual Escrow Account Disclosure Statements that have been sent to you from 2014 – 2017. The Bank will analyze your escrow account once a year in accordance with RESPA (Real Estate Settlement Procedures Act) guidelines. At that time, we will estimate the insurance and tax payments for the following year, using the amount paid from the previous year, in order to calculate the funds needed in the escrow account to make these payments. Any changes in property taxes or insurance premiums will be reflected at the time of analysis unless we receive additional documentation from the tax municipality or insurance company before that time. When the escrow analysis is complete, we will mail an Annual Escrow Account Disclosure Statement, which details the results of our escrow analysis including any escrow shortage or overage that have might occurred. If an escrow shortage exists, the customer may pay the total shortage amount by the due date indicated on the Annual Escrow Account Disclosure Statement or the shortage will be collected as part of the overall monthly mortgage payment. Under Federal Law, an escrow surplus less than $50.00 for a mortgage account in good standing will be divided over the next twelve months and applied to reduce your monthly escrow payment. If an overage greater than $50.00 exists, and the account is in good standing, a refund check will be issued directly to the customer for the amount of the overage. As stated previously, the Annual Escrow Account Disclosure Statements that have been sent to you from 2014 – 2017 are enclosed. To assist with clarity when reviewing the current Annual Escrow Account Disclosure Statement, as well as those going forward, I wanted to provide additional details. On August 25, 2017, we performed an annual escrow analysis and mailed to you an Annual Escrow Account Disclosure Statement to the address on file. In this document it was explained that our analysis discovered an escrow shortage of $52.05. Please note that the escrow shortage is only the amount that your escrow account is short at the time of the analysis and is not the amount needed to continue to fund all disbursements. RESPA also establishes how the Bank must calculate and disclose payments from the escrow account, and limits on the amount of cushion we are permitted to collect on the account. The cushion equals two months of projected escrow account payments. Due to an increase in taxes and insurance, as indicated on the Annual Escrow Account Disclosure Statement, your current required escrow cushion is $325.38. Please refer to page 2 of the enclosed Annual Escrow Account Disclosure Statement to see that the lowest projected balance of your escrow account in is $273.33. The escrow shortage was determined by adding the lowest projected balance with the lowest required cushion. With the projected beginning balance of $273.33 taken from the required cushion of $325.38, your 2017 escrow shortage was calculated as $52.05. Once the shortage is paid, the monthly escrow payment is adjusted to accommodate the required amount in the escrow account to pay the increased tax bills and insurance premiums for the upcoming year. If you have questions surrounding this process, please feel free to call me with the information below. Additionally, your comments expressing less than quality service you received, both associated with this matter and with previous payment issues are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. Enclosed you will find a copy of the payment history for your loan, please review the payments listed to ensure all updates have been performed accordingly. Also, I want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. [redacted], we appreciate your patience while we research this matter. You are a valued customer and we hope you will allow us to service your financial needs in the future. 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, Sarah S.Office of the President Pc: Revdex.com Enclosure: Property Tax Collections Bills for 2014 – 2017 Annual Escrow Account Disclosure Statement Dated August 24, 2014 Annual Escrow Account Disclosure Statement Dated August 25, 2015 Annual Escrow Account Disclosure Statement Dated August 25, 2016 Annual Escrow Account Disclosure Statement Dated August 25, 2017 Mortgage Loan History Statement

[redacted]
[redacted]
[redacted] Date:        June 30, 2015 Account: [redacted] Regarding Your Business Line of Credit Dear [redacted]: We received a copy of your complaint recently filed with the Better Business...

Bureau. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. I have shared the information you brought to our attention with the management of the Financial Center you visited. Additionally, our regional management regularly reviews customer feedback as part of our ongoing commitment to improving our operations. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Your feedback helps us to identify problems and to improve the level of service we provide to our customers. The due date for payments to post to your Business Line of Credit is typically around the 17th of each month. If we receive a payment after the due date on your statement, we would assess a late fee. It is also necessary for a payment to post each statement cycle to satisfy that month’s payment. To satisfy your monthly payment, a full payment needs to be received by the due date indicated on your statement. Unfortunately, the banking center employee who told you to make your minimum payment minus the late fee gave you incorrect information. Reversing the late fee does not count as a full payment, so if you’re making a payment and deducting the $39.00 late fee, you’re not paying enough to satisfy your minimum monthly payment. This created a “snow­ball” effect that lasted from February to June. On June 19, 2015, we began making all the necessary adjustments to your account to correct the prior payments and give you an updated minimum monthly payment requirement for July, 2015. Please find below an accounting of the minimum payments due each month, as well as payments made by you and any fees that were charged and credited to your account. On December 20, 2014, we sent you a statement for your Business Line of Credit indicating that the minimum payment due by January 17, 2015, was $342.00. You made a payment to your account in the amount of $342.00 on January 16, 2015. Unfortunately, there was a delay in the processing of this payment and it didn’t post to your account until January 21, 2015. Due to this reason, the late fee that posted to your account on January 20, 2015, was reversed on January 21, 2015. In addition, we credited your account in the amount of $0.46 for an interest charge adjustment. On January 20, 2015, we sent you a statement indicating that we had not received a payment from you during the previous statement cycle. Due to this reason, the minimum payment due by February 17, 2015, was $724.00, with a past due amount of $342.00. Two (2) payments posted to your account during this statement cycle. The first payment, which I mentioned in the previous paragraph, was made on January 16, 2015, in the amount of $342.00, but posted to your account on January 21, 2015. The second payment was made on February 13, 2015, in the amount of $350.00. The total amount paid by you during this statement cycle was $692.00, however the minimum payment due was $742.00, which was $50.00 short, causing another late fee in the amount of $39.00 to be charged to your account on February 20, 2015. We reversed this fee on March 3, 2015, due to the error. On February 20, 2015, we sent you a statement indicating that the minimum payment due by March 17, 2015, was $376.00. A payment was received from you in the amount of $350.00 and posted to your account on March 17, 2015. However, the payment was short $26.00, which caused another late fee in the amount of $39.00 to be charged to your account on March 18, 2015. We reversed this fee on April 17, 2015, due to the error. On March 20, 2015, we sent you a statement indicating that the minimum payment due by April 17, 2015, was $376.00. A payment was received from you in the amount of $337.00 on April 16,2015, which was $39.00 short of your minimum monthly payment obligation. A late fee was charged to your account on April 20, 2015, due to the full payment not being paid.On April 20, 2015, we sent you a statement indicating that the minimum payment due by May17,2015, was $417.00. During this statement cycle, your account was accessed the annual fee of $100.00. On April 29, 2015, we reversed two (2) $39.00 late fees that were charged to your account, totaling $78.00. In addition, your balance on your line of credit exceeded the limit during this statement cycle and you were charged an over limit fee in the amount of $39.00 on May 20, 2015. We reversed this fee on June 22, 2015, due to the error. We also received a payment from you in the amount of $417.00 during this statement cycle, on May 6, 2015. On May 20, 2015, we sent you a statement indicating that the minimum payment due by June 17, 2015, was $1,060.80. On June 17, 2015, we received a payment from you in the amount of $400.00. In addition, a late fee in the amount of $39.00 that was charged to your account on June 18, 2015, was reversed the following day. We removed the penalty pricing rate that was applied to your account due to the late payments and waived $340.42 in Finance charges that were charged in error due to the penalty pricing rate increase. The most recent statement to be mailed to you was sent on June 20, 2015. This statement indicated that the minimum payment due by July 17, 2015, was $762.00. As of June 22, 2015, we have made all the necessary adjustments so that the account does not show a past due balance. However your statement was already mailed when the adjustments were being made, so unfortunately your statement will not disclose the correct minimum balance requirement for your July 17, 2015, payment requirement. Please use this letter as verification that your adjusted minimum payment obligation due on July 17, 2015, is $341.00. Please note, the Bank did not report any negative information to the Credit Bureaus, so there weren’t any credit bureau adjustments needed. Please be assured that it was not our intention to cause you any hardship. You are a valued customer and we look forward to serving your future financial 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,   Jennifer C. Office of the President

[redacted] Date: April 6, 2017 Account: [redacted] Regarding Your Basic Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your...

Basic Checking account. We appreciate the opportunity to respond to this matter. I am sorry that the service provided to you by Fifth Third Bank did not meet your expectations. Per your request, we closed your Basic Checking account ending in [redacted] with a zero ($0.00) balance on April 6, 2017. I have enclosed a check in the amount of $1.00 for the remaining balance in your account. We truly regret that you felt the need to close your account and certainly hope you will reconsider using Fifth Third Bank for your financial needs in the future. 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 Enclosure: Check

[redacted] Date: April 20, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received copies of the complaints you submitted to the Revdex.com and [redacted]...

[redacted] regarding your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that 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. Our records show that you accepted Overdraft Coverage for Automated Teller Machine (ATM) and everyday debit card transactions on January 5, 2017 at 4:03 PM from your Mobile App. We have verified the IP address used for that transaction and confirmed this is an IP address you log in with frequently. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides information regarding the fees assessed to your account, Overdraft Protection options, and Overdraft Coverage options. You have the ability to change your Overdraft Coverage preferences for ATM and everyday debit card transactions online at 53.com, at any Fifth Third Bank banking center, or by calling customer service at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET On March 23, 2017, the beginning balance in your checking account ending in [redacted] was $311.12. Five (5) debit items totaling $419.57 posted to your account resulting in a negative ending balance of ($108.45). Due to insufficient funds for one (1) of the debit items an overdraft fee of $37.00 was assessed and posted to your account the following business day. On March 24, 2017, a direct deposit posted to your account bringing it to a positive balance. On March 31, 2017, the beginning balance in your checking account was $106.56. Three (3) debit items totaling $114.60 posted to your account resulting in a negative ending balance of ($8.04). Due to insufficient funds for one (1) of the debit items an overdraft fee of $37.00 was assessed and posted to your account the following business day. On April 3, 2017, your account had a negative beginning balance of ($8.04). Twelve (12) debit items totaling $169.83 posted to your account resulting in a negative ending balance of ($177.87). Due to insufficient funds for ten (10) of the debit items overdraft fees totaling $370.00 were assessed and posted to your account the following business day. On April 5, 2017, your account had a negative beginning balance of ($547.87). Four (4) debit items totaling $68.83 posted to your account resulting in a negative ending balance of ($616.70). Due to insufficient funds for all four (4) debit items overdraft fees totaling $148.00 were assessed and posted to your account the following business day. On April 6, 2017, two (2) online transfers were credited to your account bringing it to a positive balance. I have enclosed copies of the overdraft notices we sent to you for each overdraft occurrence. We also reviewed your Internet Banking alerts. Due to age, we are unable to see the alert activity going back to January 2017. However, our records show that you updated your alert settings on April 10, 2017. You have alerts set via email and our Mobile App to inform you of when your balance is less than $5.00 and when overdraft notices are available to view on 53.com. It was certainly not our intention to cause you any hardship. Our records show that we waived overdraft fees totaling $148.00 within the past twelve (12) months. Because these fees were not assessed in error, we are unable to waive any additional fees per our bank policy. Thank you for your patience while we researched this matter for you. We truly value your business and regret that you feel the need to close your account. We certainly hope you will reconsider this decision and allow Fifth Third Bank to continue servicing 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, [redacted] Enclosures: Overdraft Notices, Overdraft Solutions Document

[redacted]Date: June 3, 2015Regarding Your Mortgage Loan ApplicationDear [redacted]:We received a copy of the complaint you filed with the Revdex.com concerning your mortgage loan 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 or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers' satisfaction.We completed our research of your mortgage loan application that was submitted on April 30, 2015, with an estimated closing date of May 29, 2015. Unfortunately, we have extended our processing times to finalize documents for loan closings somewhat due to the unusually high volume of loan applications we are receiving. On May 27, 2015, upon further review of the application, several conditions were placed on the file, and as you mentioned, were requested from you. On May 29, 2015, you indicated that you requested the IRS transcripts, but were unable to obtain these documents prior to the scheduled closing, due to IRS turnaround times. Because not all of the conditions were met for the application, we were unable to further review the application prior to the scheduled closing on May 29, 2015. I apologize for any frustration this may have caused you.When a mortgage loan application is received, several departments and individuals within the Bank work together to process the application, and communicate with the customer. We strive to provide you with an exceptional experience throughout the application process. From your complaint, it is clear we did not meet your expectations and, I am truly sorry we disappointed you.Thank you for your patience while we researched this matter for 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,[redacted]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.  
Regards,
[redacted]
I seen the mistake that was made I contacted the company for 5 days when I received email about bill payment they stated that they didn't see what I was saying because of this they took out almost 75.00 saying that I had  negative balance when payment where coming in and payment was going out I had to go to bank ask the representative to call and stop payments too many payment had been made going to [redacted] and [redacted] they did nothing to help stop payment when requested After asking the company for my money back still left me with negative balance that I had to because NO ONE HELP ME WHEN I TOLD THEM BEFORE THEY TOOK THE MONEY OUT they didn't care or see that company was receiving to much money which made my account negative they allowed these payment go out cause money was there  did not monitor the payment as why they were paying the company 4 time I had to pay for the mistake that could be handle  I have to close my account because they don't monitor my money  when in  3 weeks I had over  2600 in my account money was coming into my account daily and weekly they was paying to close attention to sending the money out 5 to 8 days later payment was posting to late  my funds are not available until next business day which would be go without money all weekend Nope this not suitable for me when my money hit my account it should be available that day

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
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 reviewed the information sent by Fifth Third. Although the company was able to explain each of my payments, I am still questioning why I was being charged a late fee when payments were sent by the due date. The company would send Loan Delinquency Letters with the amount needed to pay in order to bring my account current, I would like to know why was the information provided incorrect. I would pay the amount requested on the letter including the late charge, but the company would still charge me late fees when I paid what was requested. I understand that now they are saying that I owe $76.xx, but I would like to know how I am able to recover the money I paid in late fees when I would pay on time. 
Regards,
[redacted]

[redacted] Date: March 22, 2016 Regarding Your Mortgage Loan Application Dear [redacted]: We received a copy of the complaint filed with the Better Bureau Bureau concerning your recent Fifth Third Bank...

mortgage loan application. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We would like to offer our sincere apologies for any inconvenience this matter may have caused you. Please be assured that Fifth Third Bank takes your feedback regarding your experience very seriously, and I have contacted the relevant parties to pass on your concerns. Our Mortgage Loan Originators strive to provide professional and accurate service to each and every customer they assist throughout the day. I am sorry if your experience did not meet the same high standard. While Fifth Third Bank is a mortgage servicer, FHA (Federal Housing Administration) insures many of the mortgage loans that we originate. The Federal Housing Administration has numerous guidelines we are required to follow for their loan products. If any documentation does not meet FHA guidelines for the loan product then the requirements and disclosures may adjust accordingly or the application may be declined. On December 18, 2015, we received your application for a thirty (30) year FHA mortgage loan for $98,188.00. On December 18, 2015, you were provided with a mortgage pre-qualification letter. It was later determined that you did not qualify for the FHA mortgage loan. When the application was initially submitted, your student loan payments were excluded since the payments were deferred for four (4) years. It was later determined that your student loan payments would need to be included in your debt total, using two percent 2% of the outstanding balance as the monthly payment. Therefore, when the application was submitted again with the student loan payments, you did not qualify for the FHA mortgage loan. I regret that you were told otherwise. Once your concerns were brought to our attention, we contacted senior management in the [redacted] affiliate to review this matter. The decision was made to either offer to reimburse you for the earnest money you put down on a property, if you were unable to get the funds refunded, or to approve you for a new mortgage loan with the same terms as the FHA mortgage loan in which you applied. You advised Shellie S., Mortgage Loan Originator, that you were already refunded for the earnest money and that you decided you are no longer interested in purchasing a home. Please accept our sincerest apologies for the frustration this matter has caused you. We truly value your business and look forward to serving their financial needs in the future. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####. Sincerely, Lisa S. Consumer Resolution Specialist Office of the President Pc: Revdex.com

[redacted] Date: January 4, 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. As stated in the letter sent to you on December 14, 2015, the remaining funds from your deposit were available as of December 14, 2015. I have enclosed the previous response for your review. Our records show that you purchased a cashier’s check in the amount of $18,795.05 on December 14, 2015. [redacted], please be assured that it was not our intention to cause you any hardship. 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 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: Previous Correspondence dated December 14, 2015