PROCORPSA

[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

[redacted] Date: February 1, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com, regarding the...

difficulties you have experienced with your installment loan account. 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 the opportunity to respond to your concerns. I would like to assure you that our online banking system is not intended to cause you any hardship. Our goal is to provide professional and accurate service to our customers and I am truly sorry if that has not been your experience. We appreciate your feedback as it allows us to continuously improve the level of service provide to our customers. Please know that our senior management regularly reviews customer feedback as part of our commitment to improving our operations. Customers that attempt to make a payment via 53.com can sometimes receive an error of “unable to make payment, call customer service”. This typically occurs when the payment date is today’s date but it’s past cutoff time. When this occurs, you have the option to change the payment to the next business day or another day of your choice. On January 7, 2016, our records indicate that you logged onto our internet site, www.53.com, and accepted the internet banking terms and conditions. During that visit, you set up an external payment source from your non-Fifth Third checking account ending in [redacted]. Unfortunately, our records indicate that setting up your account was the only thing that occurred on that day. Our records do not reflect a payment being scheduled on January 7, 2016, in the amount of $319.70. Because a payment didn’t post to your account to satisfy the January 8, 2016, payment obligation, your account was assessed a late fee in the amount of $15.99 on January 18, 2016. In the interest of customer service, we reversed the late fee and credited your account in the amount of $15.99 on February 1, 2016. We trust this meets with your satisfaction. On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience this matter may have caused you. On January 21, 2016, we received and posted a payment to your installment loan account in the amount of $319.70. This payment satisfied the payment that was due on January 8, 2016. The next payment due on your account is $319.70 by February 8, 2016. For your convenience, I have enclosed a copy of our Internet and Mobile Banking Digital Services User Agreement, which you agreed to when you began using our Internet Banking website. You can view an electronic copy of this document by visiting www.53.com, then clicking on the “Privacy & Security” hyperlink at the top of the page, then clicking on the “About Our Site” hyperlink near the bottom of the page, and then clicking on the “User Agreement (PDF)” hyperlink on that page. If you have any questions concerning where to find this document on our website, please feel free to contact me using the telephone numbers provided at the end of this letter. [redacted], I can assure you that it was not our intention to cause you any frustration or any undue hardship. You are a valued customer, we appreciate your business, and we look forward to serving all of your banking needs in the future. On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this situation may have caused you. If I could be of further assistance to you please contact me at ###-###-#### or toll free ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C. Office of the President Pc: Revdex.com Enclosure: Fifth Third Internet and Mobile Banking Digital Services User Agreement

[redacted] [redacted] [redacted] Date: March 13, 2018 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your installment...

loan. We appreciate the time you have taken to document your thoughts and concerns. Please find enclosed a copy of the Release of Lien letter mailed to you on March 7, 2018. On behalf of the Bank, please accept my sincere apologies for any inconvenience the delay in receiving this information 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. 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, Jennifer M.Office of the President Pc: Revdex.com Enclosure: Release of Lien Letter

[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

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: 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: June 9, 2015 Account: [redacted]Regarding Your Business Debit MasterCard and Checking AccountDear [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. Please accept my sincere apology that our prior response did not answer
all of your questions.Our records indicate
that you currently have three (3) dispute cases open with Fifth Third Bank. Two
(2) of the cases are merchandise disputes and one (1) is a fraud claim. The
fraud claim was filed on May 14, 2015, for a charge that posted on April 13,
2015, in the amount of $296.74 for [redacted]. The Bank gave you
provisional credit for the fraud claim two days after you filed the dispute, on
May 16, 2015.As
I stated in my prior response, the type of dispute you are referring to in your
complaint is with [redacted] Fifth Avenue, in the amount of $1,262.87 and is called a
merchandise based dispute. The Bank has a timeframe of up to 120 days to
conduct our investigation and complete merchandise based disputes. During that
time, we will research your dispute with the merchant and provide a decision to
you upon completion of our research. Should our research support your dispute,
final credit will be issued to your account. However, if our research does not
support your dispute, we will notify you by mail. The purchase in question is
something that you did in fact purchase and not an error on your statement.
Please note, merchandise based disputes are not covered by federal regulations.
However, the Bank researches these disputes for our customers as a courtesy if
they are unable to resolve with the merchant themselves. The Bank does not
provide provisional credit for merchandise disputes. On behalf of the Bank,
please accept my sincere apologies that this information was not clearly explained
in our prior response.[redacted], you
reference federal law requirements in your rebuttal to the RevDex.com. Error resolution for consumer debit card accounts is covered in
Regulation E. The Bank follows the requirements as outlined in Regulation E for
error resolution for consumer debit card accounts. It should be noted that your
accounts are business accounts and are not covered by Regulation E.Fifth Third Bank, Member FDIC.         Equal
Housing Lender. Fifth Third and Fifth Third Bank are registeredservice marks of Fifth Third BancorpWe 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: Revdex.com Enclosure: Prior
response

[redacted]
Date: July 31, 2015 Account:      [redacted] Account:      [redacted] Regarding Your Accounts Dear [redacted]: We received a copy of the letter you sent to the Better Business...

Bureau regarding your savings accounts. 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 our customers’ satisfaction.According to our records, your Maxsaver savings account and your Business Savings account were closed and placed for collections efforts on June 29, 2009. Due to the transaction activity in each of the accounts, the accounts were also reported to a consumer reporting agency called Early Warning Services (EWS) in June 2009. Early Warning Services may report the account activity for up to seven (7) years. If you would like to dispute the information that Early Warning Services is reporting, they can be reached at ###-###-####. For additional information regarding Early Warning Services, you can also visit them online at www.earlywarning.com.[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 PresidentPc: Revdex.com

[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] [redacted] [redacted] [redacted]3 Date: November 8, 2017 Account: [redacted] Regarding Your Basic Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We...

appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience 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 September 25, 2017, you contacted the Bank’s Disputes Resolution Department to dispute several charges that posted to your account. In response to the case that was opened, our Disputes Resolution Department sent you a letter on September 27, 2017, indicating the charges that are being disputed. The letter also explains that your account was provided with a temporary credit for the disputed charges. The temporary credit of $152.89 was provided and posted to your account on September 28, 2017. A copy of the letter dated September 27, 2017, is enclosed for your review and convenience. Although we strive to resolve dispute cases as quickly as possible, please be aware that your case will be finalized within thirty (30) to ninety (90) days from the date that the case was opened on September 25, 2017. For any questions regarding your case number [redacted], please contact our Disputes Resolution Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday 8:30 a.m. to 5 p.m., ET. I also want to assure you that the Bank takes protecting the security of our customers’ accounts very seriously. Although the Bank has appropriate safeguards in place, it is not always possible to prevent unauthorized charges from posting to a customer’s account. This is why we have a Disputes Resolution Department, which is a department dedicated to assisting customers who may have unauthorized transactions on their accounts. In addition to our Disputes Resolution Department, the Bank has other departments dedicated to protecting our customer’s against fraud. If you still want to close your account, as is indicated in your complaint, please visit any Fifth Third Banking Center for assistance. A telephone initiated request to close an account can only be completed if there is a zero (0) balance in the account at the time of the request to close the account. You may also send a written request to close your account. If sending a written request to close your account, please be sure to include the following information: ** Date ** Your Name ** Your Full Account Number ** Your Notarized Signature ** Your current address so a check can be sent to you for the remaining balance in the account Alternatively, you can complete the enclosed Account Closing Request Form. If sending a written request to close your account, please send the request to our Oak Park Banking Center at the following address: Fifth Third Bank [redacted] 
[redacted] 
[redacted] A written request to close your account can also be sent to my attention at the following address: Fifth Third Bank Office of the President 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 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): Letter Dated September 27, 2017 Account Closing Request Form

Customer called Revdex.com stating business has contacted him and resolved his concerns.

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]

[redacted]
[redacted]
[redacted]
Date: July 19, 2016
Account: [redacted]
Regarding Your Real Life Rewards [redacted]
Dear [redacted]:
We received a copy of your rebuttal recently filed with the Revdex.com, concerning
your Real Life Rewards [redacted] account. We appreciate the time you have taken to
document your thoughts and concerns regarding this matter.
We have thoroughly reviewed your dispute and stand by the final denial of your claim. Enclosed
please find copies of all of our previous correspondence that we sent to you in response to your
Revdex.com (Revdex.com) complaints and [redacted])
complaint. As previously stated in a conversation with the Disputes Department on June 22,
2016, the Bank does not have any additional dispute rights under [redacted] and [redacted]
guidelines.
[redacted], I am truly sorry that you disagree with the final denial of your claim for the disputed
transaction of $750.00 from June 3, 2015. The Bank has guidelines they have to follow for
disputed [redacted] and [redacted] transactions. Unfortunately, the merchant provided
documentation in response to your dispute to support their case and your dispute was denied. If
you would like to continue to pursue this matter, you may wish to do so through the civil court
system. On behalf of the Bank, please accept my sincere apologies for any inconvenience this
matter may have caused you. I regret that adherence to these policies caused you any
frustration or inconvenience.
We strive to provide quality service to all of our customers, and I apologize if we failed to meet
your expectations. It was truly not our intention to cause you any hardship. As stated in a prior
response, we extended the promotional rate on your Real Life Rewards [redacted] through
September 2016, in the interest of customer service. The updated expiration date for the
promotional rate is now September 29, 2016. The promotional rate is 0.00% for purchases and
balance transfers.
[redacted], I understand your frustration when this situation occurred and we appreciate your
patience while we researched this matter. After multiple communications with you via mail, we
consider this issue closed and will no longer be sending written correspondence to you
regarding these matters. You were a valued customer and we sincerely hope that you
reconsider using Fifth Third Bank for your financial needs in the future. If I could be of further
assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####,
Monday through Friday, 8 a.m. to 6 p.m., ET.
Sincerely,
Jennifer C.Office of the President
Enclosures (4): Previous Responses

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.  5/3 has admitted that it made a mistake in the way the account was set up. I spoke with NUMEROUS employees at the bank over the years and ALWAYS told them that this was a representative/payee account. In fact, I cancelled a debit card that was sent to me and during that call I told the employee, this account is a payee account and should not have a debit card attached to it. The employee agreed and cancelled the card. So, after talking to several people at the bank, NO ONE ever said "hey, this account is set up incorrectly", I can assure you that is my account was being CREDITED money the bank employees would have been quick to correct how the account was set up. So, the 8 dollars that I have been charged for the past 7 years (per month) should be credited back to the account as it was a BANK error that allowed it to be charged in the first place.As far as the early access, even if the account was set up incorrectly by the bank, it was still ineligible for this service because it was not an INDIVIDUAL account. The bank should, at the very least, open this account back up and allow the "loan" to be paid off, removing it from collections and my credit report in the process. These loans were given OVER THE PHONE to someone using my ss number, a ss number is not a form of identification, a ss CARD is. I removed money from the account on the 3rd or 4th of every month because that is when the SS check was deposited, I had NO clue that the early access, which I was assured was going to be removed, was still being used. Again, this was done over the phone with out my knowledge and now the bank wants to ruin my credit because its employees did not do what was asked of them nor did they take any steps to correct the original error that was made when the account was being set up.   
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

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: 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

[redacted] Date: May 2, 2016 Account: [redacted] Regarding Your Credit Card Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, regarding the fraudulent...

transactions that posted your credit card account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. On April 25, 2016, you contacted the Bank about six (6) unauthorized transactions posted to your credit card ending in [redacted]. At that time, a block was placed on the account and dispute case number [redacted] was opened for the following items: Date Amount Merchant Name March 10, 2016 $3.10 [redacted] March 10, 2016 $15.92 [redacted] March 10, 2016 $50.16 [redacted] March 11, 2016 $2.06 [redacted] March 11, 2016 $3.22 [redacted] March 11, 2016 $177.27 [redacted] It should be noted that a replacement credit card ending in [redacted] was issued and sent to the address on file for your account. In addition, please allow up to ten (10) days to receive the initial letter regarding your dispute case. When disputing transactions on your credit card, we make every effort to resolve the dispute in as timely a manner as possible. As a result, please allow up to sixty (60) days for our investigation to be completed. If our research supports your dispute, the transactions in question and related finance charges will be credited back to your account. However, if our research does not support your dispute or if we receive proof that the transactions are legitimate, the purchases and applicable finance charges will remain on your credit card. After we have completed our investigation, a final resolution letter will be sent to the address on file detailing our decision. In order to follow up regarding the status of your dispute, please contact our Dispute Department at ###-###-####. Representatives are available assist you Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. [redacted] please be assured that it was not our intention to cause you any hardship or frustration. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S. Office of the President Pc: 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]