PROCORPSA

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]

[redacted]    Date: October 15, 2015 Account:     [redacted] Regarding Your Checking AccountDear [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 make every effort to ensure that check items deposited to your account get posted properly. On September 12, 2015, you deposited a check to your checking account ending in [redacted] in the ATM (Automated Teller Machine) located at 8007 Calumet Avenue. The check was in the amount of $1,237.51 made payable to [redacted] & [redacted]. Since [redacted] is not a signer on your checking account, this deposit was rejected and your checking account was debited $1,237.51 on September 14, 2015. We regret the inconvenience this may have caused you. The reason this deposit was adjusted was because one of the payees listed on the check was not listed on the account that was credited. In a case like this, when a payee wishes to deposit a check into an account in which they are not a signer, that payee must be present in the banking center with valid identification. By depositing a check into an account the payee is not on, they will have no access to the funds once deposited and we must ensure this is the true intent of the payee. According to our Rules and Regulations handbook, page ten (10), section eight (8), that you received and agreed to at account opening, we reserve the right to refuse to accept a deposit at any time. I have enclosed a copy of our Rules and Regulations handbook for your review.I regret any misinformation that you may have received regarding our procedures related to rejected ATM deposits. At one time, the checks involved with an adjusted ATM deposit may have been mailed back to the branch. However, the processing of ATM deposits has changed in recent years. Bank employees no longer manually process ATM deposits. Therefore, any negotiable items that may be rejected are mailed to the address listed on the account. I apologize if you were told otherwise. According to our records, you re-deposited the check for $1,237.51 on September 18, 2015. As a valued customer, on September 24, 2015, we reversed a total of $111.00 in overdraft fees that were charged to your account. Therefore, we are unwilling to waive any additional overdraft fees on your checking account, as you have requested. We sincerely appreciate your feedback as it assists us in delivering first class customer service which is a priority to us. We value your opinion and we hope that you will continue using Fifth Third Bank for your financial needs in the future. If I may be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, 8 a.m. to 6 p.m., ET.Sincerely,Lisa S.Office of the PresidentPc: Revdex.comEnclosure: Rules and Regulations handbook

[redacted]Date: April 10, 2018Account: [redacted]Account: [redacted]Regarding Your Recent ExperienceDear [redacted]:We received a copy of the additional complaint you filed with the Revdex.com (Revdex.com) regarding your recentlydisputed transactions. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate thecontinued time you have taken to communicate your thoughts and concerns regarding this matter.We initially received a copy of this complaint on February 12, 2018 via the Revdex.com. We received duplicate complaints fromyou on March 20, 2018, and April 5, 2018. Although we regret your continued frustration with this matter, we stand by theresponse conveyed to you in the previous letters sent on March 14, 2018, and April 4, 2018. I have enclosed copies ofthese prior communications for your review. Our position on this matter has not changed; Fifth Third Bank’s Office of thePresident now considers this issue closed.[redacted], Fifth Third Bank strives to provide professional and accurate service to our customers, and I apologize for anyinconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or tollfree at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,Sarah S.Office of the PresidentPc: Revdex.comEnclosure (2): Previous Response Letters

We received a copy of your complaint filed with the Revdex.com, concerning yourchecking account ending in [redacted]. We appreciate the time you have taken to express yourconcerns regarding this matter.On behalf of the Bank, I apologize for the difficulties you have experienced with your...

account. Itwas certainly not our intention to cause you any hardship or frustration.In 2010, Fifth Third Bank agreed to settle the overdraft class action suit known as Schulte, et al.v. Fifth Third Bank, Case No. 1:09-CV-06655, filed on October 21, 2009, in the United StatesDistrict Court for the Northern District of Illinois. According to the procedure established by theCourt, in order to receive a payment from the settlement, your claim form must have beensubmitted to the Claims Administrator prior to the deadline of May 2, 2011.Please understand that the Court did not decide in favor of either the Plaintiff or the Defendant.Instead, both sides agreed to settle this case to avoid the cost and risk of a trial. The settlementdoes not mean that any law was broken or that the Bank did anything wrong. The Bank denied alllegal claims in the case.On November 17, 2008, your checking account ending in [redacted] was opened with the Bank. OnJune 23, 2009, the account was closed and charged off for collection. If the Claims Administratordid not receive the required claim form from you prior to the deadline of May 2, 2011, you werenot eligible for a payment from the settlement related to your checking account.The account ending in [redacted] was sold to U[redacted] on June 16, 2010. Foradditional information pertaining to the charged off account, we recommend you contact [redacted] bythe following address:[redacted]
[redacted] [redacted]
[redacted]Please be aware that [redacted] may have sold the acquired debt to another collection agency, whichis why you may be receiving calls from [redacted]. If you’re contacted againby [redacted] or any collection agency, you may request validation of the debtin question and contact information in which the agency is calling you from.We hope this correspondence will help you understand Fifth Third Bank’s position going forward.If I could be of further assistance to you, please call me at [redacted], or toll free at [redacted]
[redacted] Monday through Friday, 8 a.m. to 6 p.m., ET.

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 submitted several emails to the Revdex.com. Today I met with the branch manager where I applied for the loan. The manager was apologetic and wished to look into this matter further. 
Regards,
[redacted]

[redacted] Date: November 8, 2017 Application: [redacted] Application: [redacted] Regarding Your Recent Applications for Credit Dear [redacted]: We received a copy of the complaint you filed with the Better...

Business Bureau regarding your recent application for a Fifth Third Equity FlexLine. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. On August 29, 2017, you visited our [redacted] Banking Center to request an increase of the credit limit on your existing Equity FlexLine ending in [redacted]. Before the application was submitted, you explained to the employee assisting you that the new room that was being added to your home was almost complete. You also requested a full, or walk-thru, appraisal to be done in connection with the application, instead of a drive-by appraisal, which is the only type of appraisal typically performed in connection with an Equity FlexLine application. As was explained to you before your application was submitted, a full appraisal could only be approved after the application underwriting process was completed and after the following conditions were satisfied: ** All of the required documentation needed to underwrite the application was received. ** The drive-by appraisal resulted in an appraised property value lower than anticipated. ** Documentation of the reason for the full appraisal received. This documentation includes photographs of all completed work done on the property in question resulting in a potential increase in the property’s appraised value. It is also important to note that the Bank cannot use a recent property appraisal that was not obtained in connection with the Equity FlexLine application in question. A drive-by property appraisal is ordered after the applicant’s income documentation has been received and reviewed by our underwriting department, the applicant’s credit information has been reviewed by our underwriting department, and a preliminary or conditional approval of the application has been provided. Before your application was submitted, the banker assisting you explained that in order to verify your income, our underwriting department would most likely need copies of your personal and business tax returns from 2016 and 2017. We received all of the required income documentation on September 13, 2017. At that time, a conditional approval was granted and the drive-by property appraisal was ordered. The drive-by appraisal was received and reviewed on September 19, 2017. The appraised value of the property was lower than anticipated. At that point, we still needed documentation from you showing that the recent work done on the property had been completed, which we received on September 27, 2017. The documentation was reviewed and a full appraisal of the property was approved on October 2, 2017. Unfortunately, by the time the full appraisal of the property was approved, the Equity FlexLine application had expired on September 28, 2017, which is why you received the adverse action letter dated September 28, 2017. If you are still interested in increasing the credit limit on your Equity FlexLine, a new application will need to be submitted. The banker assisting you only suggested a personal line of credit as a means of providing you with an alternative lending solution. The banker was not offering a credit card at that time. The suggestion for an unsecured line of credit was an alternative solution to an Equity FlexLine since a personal line of credit could be approved quicker than an Equity FlexLine. In response to your complaint, we also conducted a thorough review of the inquiry listed on your credit report from July 17, 2017. On July 17, 2017, you visited our [redacted] Banking Center and applied for an Unsecured Equity FlexLine. The application was declined on July 25, 2017. A copy of the adverse action letter dated July 25, 2017, is enclosed. The Bank can only submit a credit bureau request to remove a credit inquiry if the inquiry in question was fraudulent or otherwise unauthorized. Since the inquiries related to the applications outlined in this letter were authorized by you, we are unable to submit a request to remove the inquiry related to either application. Please accept my sincere apologies for any inconvenience or frustration this might have caused you, as that is certainly not our intention. If you would like to contact the credit bureaus directly, their contact information is below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### 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): Adverse Action Letters

[redacted] [redacted] [redacted] Date: June 29, 2016 Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted]: We received a copy of the complaint you 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. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your letter, I forwarded your concerns to the relevant parties in our customer service department who thoroughly researched this matter. 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 processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order: 1. Credits and deposits made prior to the end of day cut-off time as detailed in our Funds Availability Policy. 2. Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are authorized.. 3. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges Debit card and ATM transactions are time-stamped debits and are pre-authorized at the time of use, and will show as pending until they are posted. Because time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic ACH payments are batch debits that are not pre-authorized by us. These transactions do not include a time-stamp and will not show as pending during the day. Checks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized to be paid. I have enclosed a copy of our current Rules and Regulations for your review. Page (12) provides additional information regarding our overdraft calculation order. We recommend that customers keep a ledger to track all transactions, including checks they have written, so that they can know if there are items that have not posted and can plan accordingly. An overdraft occurs when you do not have sufficient funds in your account to cover a transaction. Fifth Third Bank checking accounts have the ability to enroll in our two overdraft related services, Overdraft Protection and Overdraft Coverage. Overdraft Coverage allows a customer to access funds beyond the balance in their account. Effective June 11, 2010 per federal regulations, customers have the ability to opt-in or opt-out of Overdraft Coverage for one-time debit card and ATM transactions. If a customer opts-out, the card will be automatically declined if there are insufficient funds. However, if a customer opts-in to Overdraft Coverage and allows their debit card to be approved beyond the balance in their account then overdraft fees may be assessed. Overdraft Coverage does not apply to checks, automated clearinghouse (ACH) payments. If a check or ACH payment is presented against your account with insufficient funds, the item may be assessed an overdraft fee, or returned and charged a $37 returned item fee. You have opted out of Overdraft Coverage. Please note, that opting out of Overdraft Coverage does not guarantee that the checking account will not be overdrawn, but it does guarantee that the checking account will not be assessed an overdraft fee for any ATM or debit card transactions that posts to the account while it has a negative balance. You may still be assessed overdraft fees for any checks or ACH payments presented against your account with an insufficient balance. On your most recent overdraft occurrence, the beginning balance in your Essential Checking account ending in [redacted] was positive $81.57. On June 15, 2016, two (2) debits totaling $118.06 posted to your checking account. These items posted to your account in the following order: 1. $20.06 Debit Card Purchase at [redacted]. 2. $98.00 [redacted] As a result of the above transactions, your ending balance on June 15, 2016, was negative ($36.49). Please find enclosed a copy of the overdraft notice mailed on June 16, 2016, to alert you to the negative balance. It should also be noted, your transaction posted according in the order described in paragraph three (3) of this letter. One (1) overdraft fee was assessed to your account due to the $98.00 transaction causing a negative ending balance in your checking account, and scheduled to post the following business day. On June 16, 2016, two (2) debits posted to your checking account totaling $325.94. The transactions posted in the following order: 1. $288.94 Day 45 Transfer to Early Access 2. $37.00 overdraft fee Fifth Third Early Access is a line of credit used to assist our customers with short-term financial emergencies or unexpected financial needs. Upon agreeing to add this service to your checking account, you were provided a copy of the Early Access Terms and Conditions. I have enclosed a copy of the Terms and Conditions for your records and convenience. On May 2, 2016, you initiated an $886.00 advance from your Early Access Account. Per the terms of the Early Access Conditions, if you have not paid the full amount of your advance back within forty-five (45) days, the associated checking account will be debited for the outstanding balance. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides additional information related to the overdraft fees that were assessed to your account, and ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage options is also provided on the enclosed document. Please feel free to contact me at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. Thank you for your patience while we researched this matter for you. You are a valued customer, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosures: Rules and Regulations, Overdraft Solutions Document, Early Access Terms and Conditions.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: June 13, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your Essential...

Checking account. We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On June 2, 2016, the beginning balance in your checking account was $2.38. During overnight processing that evening, one (1) electronic payment for $19.00 to [redacted] posted to your account resulting in a negative balance for that day’s transaction processing of ($16.62). Due to insufficient funds in the account, the account was assessed one (1) overdraft fee totaling $37.00, which posted to the account the following day. I have enclosed a copy of the Overdraft Notice that was sent on June 3, 2016. In your complaint you expressed concern over the visibility of transactions affecting your balance during the day. Debit card and ATM transactions will show as pending against your available balance during the day because they are pre-authorized time-stamped debits. Checks and electronic payments (ACH payments) are batched payments and are collected from payees at the end of the business day for overnight processing. Because these items are processed overnight, they will not show as pending during the day. All transactions will post to your account during overnight processing in the following order and will be visible the next business day: ** Credits and deposits made prior to end of day cutoff ** Debit card and ATM transactions in the order they were authorized ** Checks and electronic payments in the order of highest to lowest amount ** Fees and service charges Therefore, when you checked your balance at the ATM on June 3, 2016 at 1:41 AM the PayPal transaction for $19.00 you authorized on June 2, 2016, was being processed and would not have shown as pending. This payment was processed overnight and posted to your account for the June 2, 2016, business day. I apologize for any inconvenience this mater may have caused you, but the customer is in the best position to account for all transactions in their account to prevent an overdraft occurrence. Although your Relationship savings account ending in 7520 is currently linked to your checking account for Overdraft Protection, there were insufficient funds in the savings account when the checking became overdrawn, to cover the checking account overdraft on June 2, 2016. According to our records, you have chosen to opt out of Overdraft Coverage. Because of this, the Bank will not pay overdrafts on your account for ATM transactions and everyday debit card transactions. However, Overdraft Coverage for checks and other transactions made by using your checking account number, and Overdraft Coverage for Automatic Bill Payments comes standard with your checking account. What this means is that, when these items are presented for payment to your account, overdraft fees still apply to these transactions. The transaction that overdrew your account on June 2, 2016, was an ACH transaction made by using your checking account number. It was neither an ATM transaction nor a debit card transaction. For this reason, the transaction resulted in an account overdraft and corresponding overdraft fee. We regret any inconvenience or frustration this may have caused you. Please be aware that it is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. Pursuant to your previous fee waiver requests, we have reversed $74.00 in overdraft fees over the past twelve (12) months, as a courtesy to you. As such, additional courtesy overdraft fee reversals are not warranted at this time. 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 Enclosure: Overdraft Notice

[redacted] Date: July 16, 2015 Regarding Your Experience at the [redacted] Banking Center Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com. We appreciate the time you have taken to document your thoughts and...

concerns regarding this matter. Your feedback is important so that we can better understand how to improve our service to you. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Mr. [redacted], at Fifth Third Bank, customer satisfaction is something that we take very seriously and would never compromise under any circumstances. That being said, it is the Bank’s responsibility to put policies and procedures in place to reduce the level of risk the Bank is subjected to on a daily basis. Our Banking Center employees are required to adhere to the policies and procedures we have in place. For this reason, our Banking Center employees will attempt to give alternative solutions to our customers if they are unable to complete the transaction as requested. On July 6, 2015, you presented a check to be cashed at the [redacted] Banking Center. The check was drawn off of [redacted] for $350.00. At that time, the balance in your savings account was $8.38. Our check cashing policy states that when a Fifth Third customer with a Fifth Third checking or savings account is cashing a non-Fifth Third check(s), the amount of cash disbursed may not exceed the total of the customer’s combined checking and savings account available balances by more than $100. If the amount of the check exceeds the combined available balance by more than $100, Cash Access must be used. Additionally, the customer can always choose to deposit the item and access the funds when they are available the next business day. I have enclosed a copy of our Rules & Regulations handbook that was provided to you when opening your accounts. Page 18 provides additional information regarding this policy. It is our understanding that the employee involved with your transaction offered you several different options as an alternative: Cash Access, deposit the item into your savings account or take the check to [redacted] to cash, as they would be able to immediately verify the funds in the account. Fifth Third Cash Access is a service that allows us to better service our current customers.. The immediate access to cash allows for the pur[redacted] of money orders, Western Union remittances and other services the Bank provides. A fee is assessed when Cash Access is used to cash a check.We are unfortunately unable to make it a regular practice of verifying checks by phone because other financial institutions cannot guarantee the availability of funds by the time the check processes. Because the employee followed Fifth Third Bank policy regarding cashing Non-Fifth third checks, we are not willing to reimburse you for gas used and medications. I regret that adherence to these policies and procedures caused you any inconvenience. It was not our intention to cause you any hardship.[redacted], Fifth Third Bank values all of our customers and any feedback that is provided. Please feel free to contact me personally to discuss any concerns that you may have in the future. 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 ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,Jennifer C.Office of the PresidentPc: Revdex.com Enclosure: Rules & Regulations

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 received 2 letter from 53rd apologizing for the way I was treated regarding my loan  That is not going to help me end this complaint against them.  The letters indicated how strong they feel about customer care and satisfaction, when I know they really don't care at all.  I was strung along with them on this loan process for 4 months.  A lot of my hard earned money was spent trying to get this loan approved.  Not even including the energy and time spent on the phone with them getting the run around.  No I'm not happy with them.  As far as I'm concerned, until they reimburse me for money I spent, I'm not going to settle this complaint.Thanks for your continued effort.  Please let me know where this stands. Have a great day.Regards,
[redacted]

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 as long as they follow through with the credit reporting bureaus. 
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.   the paymenr was not returned to me June 6,2017. It was taken out of my account. [redacted] can confirm that it was not returned. 
Regards,
[redacted]

[redacted] Date: September 22, 2017 Regarding Your Credit Bureau Inquiry Dear [redacted]: Thank you for contacting the Bank concerning the inquiry on your credit report. We appreciate the time you have taken to express...

your concerns regarding this matter. We conducted a thorough review of the inquiry listed on your credit report. Our review determined that the information provided to the credit reporting agencies is correct. On July 21, 2016 we received an application on your behalf for an auto loan at the [redacted] dealership. We approved your application and notified the dealership of the approval. However, the loan was not accepted. While the loan offer was not accepted, the inquiry remains on your credit report. You have stated that the application was submitted to the dealership in your name fraudulently. Please contact your local law enforcement. They are able to assist you with completing the necessary documents for any fraud that may have occurred. If you have already filed a police report and have a copy of it, please fax a copy to us and we will have the inquiry removed. I can be reached using the address and fax number provided below. Fifth Third Bank Office of the President Attn: Shawna H. 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, this signed documentation can be faxed to my attention at: ###-###-####. If you were at the dealership and the application was submitted in error, the dealership will need to provide us with a letter documenting their error. The dealership representative can send the requested letter to the following address or fax number listed above. If you would like to contact the credit bureaus directly, the contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### 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, Shawna H.Office of the President Pc: [redacted]

Thank you for your email. We are standing by our prior response to [redacted] on July 19, 2016, which stated that after multiple communications with him via mail, we consider the issue closed and will no longer be responding. Please let me know if you need anything else. Thank you,Jennifer  Jennifer L. C.Fifth Third Bank, Office of the President5050 Kingsley Dr.Cincinnati, OH  45263MD 1MOCOP

[redacted] [redacted] [redacted] Date: March 30, 2016 Account: [redacted] Regarding Your Real Life Rewards [redacted] Dear [redacted]: We received a copy of your rebuttal recently filed with the Revdex.com. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. As I stated in our prior response sent on March 3, 2016, the disputes resolution department is currently reviewing your case ([redacted]). After the review process is complete, the disputes department will send you notification of their final decision. If you would like to contact the disputes department directly, you can call them at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., Saturday, 8:30 a.m. to 5 p.m., ET. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. In the interest of customer service, we have extended the promotional rate on your Real Life Rewards [redacted] ending in [redacted]. The updated expiration date for the promotional rate is now September 29, 2016. The promotional rate is 0.00% for purchases and balance transfers. If you have any questions about this update to the promotional rates expiration date, please contact me at the number below and I would be happy to assist you. [redacted], I understand your frustration when this situation occurred and we appreciate your patience while we resolved this matter. Your feedback helps us to identify problems and to improve the level of service we provide to our customers. 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: August 4, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com regarding your vehicle loan. We appreciate the additional time you have taken to document your new concerns regarding this matter. On July 22, 2016, we received and posted your payment in the amount of $1,500.00. This payment brought your installment loan current. Your next payment of $507.27 will be due on August 10, 2016. As advised in our previous response, according to our insurance center, your comprehensive insurance coverage was cancelled on December 16, 2015. A new policy was written on March 30, 2016, that included comprehensive coverage. However, the effective date for this policy was May 24, 2016. Subsequently, the insurance coverage that was purchased by the Bank, on your behalf, was in effect for December 16, 2015, until May 24, 2016. According to our insurance center, as of July 29, 2016, the letter from your insurance agent had not been received. However, in order for your agent to provide proof that you had comprehensive coverage from December 16, 2015, through May 24, 2016, a declaration page for your policy must be provided. A declaration page is normally the front page of your insurance policy that provides the policy holder’s name and address along with the related car information, policy number, term and effective dates. We will not be able to consider a refund of the forced placed insurance premium until we receive a declaration page showing comprehensive coverage effective during this time. Your insurance agent may fax the declaration page to my attention at ###-###-#### and I will forward this document to our insurance center for review. Thank you for your patience while waiting for our response. You are a valued customer and we hope that you will continue using Fifth Third Bank in the future. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, [redacted] Office of the President Pc: Revdex.com

I have not received the 1200.00 dollars I deposited into there ATM machine when it shut down. They tell me that they can not find d it is a lie. Because I deposited the money in there ATM machine. I have read reviews from fifth third with people having the same complaint as I do. Actually when I looked at the complaints the very first one was the same as mine. And fifth third told them they have been having problems for awhile with there ATM machines. Till I get my money this will never be resolved. I don't know if u or fifth third is this thinking I'm doing this for a game? But I'm getting really pissed now at the action s from them and from the Revdex.com. I have now got the Federal reserve Involved in the matter.

[redacted] [redacted] [redacted] [redacted] Date: March 8, 2016 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. We completed a review of the Essential Checking account ending in [redacted]. The account was opened on November 27, 2012, at the [redacted]. A check for $2,249.77 was deposited through one of our ATM’s on December 14, 2012. However, after the check was processed on December 14, 2012, it was discovered that the amount of the check was actually $597.53. As a result, the Bank adjusted the deposit by debiting the account for $1,652.24. The remaining account balance after the debit adjustment was $880.62. Please note this activity did not result in a hold being placed on the account or account closure. Our Bank Protection Department received an alert that the check deposited on December 20, 2012 for $540.00, in which you were also a signer on, would be returned as a result of insufficient funds. As a result, our Bank Protection Department began investigating the account activity and placed a hold on your account until their investigation was completed. Our Bank Protection Department determined after their investigation to close and charge off your Essential Checking account. The account was closed on January 4, 2013, with a negative account balance in the amount of ($1,087.12). I have enclosed all of the account statements and overdraft notices for your records and review. The account was reported to [redacted], and further collection efforts continue to be made through [redacted]. If you need additional information or would like to set up payment arrangements pertaining to your account, please contact [redacted] at ###-###-####. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com Enclosure: Statements, Overdraft Notices

[redacted] Date: December 6, 2016 Account: [redacted] Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com)...

regarding your mortgage loan account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the frustration you experienced regarding this matter. Your mortgage loan ending in [redacted] was opened on August 5, 2015. This loan is a refinance of your previous mortgage loan with the Bank ending in [redacted]. Enclosed for your review is the Initial Escrow Account Disclosure Statement for your loan ending in [redacted] that was issued in August 2015. Even though your new loan was a refinance of an old loan, the new loan’s escrow is determined completely separate from the old loan. Per the disclosure, when we estimated what would be paid from escrow between October 2015 and September 2016, the following escrow items were estimated to be paid: ** $989.59 for [redacted] County taxes in November 2015 ** $602.00 for homeowner’s insurance in January 2016 Please note that escrow analyses cover only a twelve (12) month period, so anything estimated to be paid outside the twelve (12) month period would not be included on that escrow analysis. The initial escrow analysis created was based on information provided on the HUD-1 Settlement Statement and title report from settlement. City taxes were not disclosed and therefore, they were not included in the analysis completed in September 2015. They were included on the next analysis completed in 2016 when it became apparent that city taxes would need to be collected and escrowed. On page three (3) of the enclosed analysis, you can see that Fifth Third Bank paid the $678.58 for city taxes due in October 2015. Because we did not have that information during the initial analysis, it was not reflected in your escrow, and we did not collect funds to cover it during that initial analysis year. As a result, it caused a shortage in the September 2016 escrow analysis. The funds Fifth Third Bank paid on your behalf for the city taxes due in 2015, still need to be collected. We also need to collect the $678.58 that is estimated for 2016 city taxes that are due. I am very sorry for the dissatisfaction you have experienced regarding your recent escrow analysis. I can understand your frustration; however, the funds for the city taxes must be collected. Please note that you have the option to spread the $1,426.34 escrow shortage out over twenty-four (24) or thirty-six (36) months to decrease the monthly shortage payment required. If you would like to spread out the shortage, please contact me directly using my phone number listed below. You can also mail the request to our address listed above, or you can fax it to my attention at ###-###-####. Please note that spreading the shortage out over more than twelve (12) months means that any future shortage payments required while you are still paying the 2016 shortage will be added on top of the 2016 shortage payment. You also mentioned that you should have received a $1,500.00 escrow refund from the previous mortgage loan after it was paid in full. Your previous mortgage loan ending in [redacted] had a payoff balance quoted of $83,181.55 as of July 29, 2015, and a $1,591.72 escrow balance. When the payoff was quoted, the funds in escrow were netted. This means that the funds in the escrow account were used as part of the payoff. This caused the payoff funds needed to pay the loan in full to be reduced to $81,579.83. We utilized $1,528.06 of the escrow funds in conjunction with the $81,605.29 payoff we received on August 12, 2015, to pay the loan in full. The last payment you made to the loan ending in [redacted] was the July 1, 2015, payment, which paid the interest accrued from June 1, 2015, through June 30, 2015. As a result, the payoff needed to cover the interest accrued since July 1, 2015. Per the enclosed payoff statement issued on July 29, 2015, the interest owed from July 1, 2015, through August 15, 2015, was $565.45. The loan was paid in full on August 12, 2015, so the amount of outstanding interest owed was only $527.25. The payoff quote also shows that funds from the escrow account would be used toward the payoff. There was no error in the amount of interest collected. After applying the $1,528.06 in escrow to the payoff balance, there was a remaining escrow balance of $63.66. These funds were sent to you in the form of a check on August 24, 2015. The check was cashed on September 3, 2015. There are no additional refunds owed. Please be advised that we explained the escrow refund check to you in our previous correspondence dated September 9, 2015. The letter was sent in response to your email sent to the Bank via our website at 53.com on August 24, 2015. We also previously responded to your concerns regarding the current escrow shortage in a letter sent to you on October 18, 2016. The letter was sent in response to your email sent to the Bank via our website at 53.com on October 2, 2016. Copies of our previous correspondence are enclosed for your review. I am sorry for the miscommunication regarding a return call you were expecting from Mortgage Loan Originator Michael F. that you did not receive. Please be assured that I have contacted the relevant Bank management regarding this information. 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: Initial Escrow Disclosure, 2016 Escrow Analysis, Payoff Quote, Payment History, Previous Correspondence