PROCORPSA

[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

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]

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] 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

[redacted] Date:      July 1, 2015 Account: [redacted] Regarding Your Business Debit [redacted] and Business Checking Account 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. Please accept my sincere apology that our prior three responses did not answer all of your questions. Regulation E (Electronic Funds Transfer Act) covers disputes regarding unauthorized transactions on personal consumer accounts that involve the use of a personal consumer card. As I stated in my prior response, those rights do not apply to business accounts and cards. All of your accounts with Fifth Third Bank are Business Checking Accounts and Business Debit Cards and are not covered by Regulation E. On the consumer side, merchant disputes that are not covered by Regulation E would include things like merchandise ordered but not received, cancelled recurring subscriptions, defective merchandise, wrong merchandise received, and service not rendered. Although not covered by Regulation E, Fifth Third Bank makes every effort to assist our cardholders in resolving these merchant disputes by working directly with the merchants. Our policy to assist our cardholders with these types of disputes is a completion time of up to 120 days. Regulation E covers procedures for resolving errors on electronic funds transfers. Although not a fraud dispute, if a customer was charged the wrong amount by a merchant or charged twice for the same transaction, this is a Regulation E error. However, as I stated above, business accounts are not covered under this Regulation, only consumer accounts. On behalf of the Bank, please accept my sincere apologies if I failed to explain the Regulation or our policy regarding merchandise based disputes in my prior three responses. As I stated in my prior response, the dispute you are referring to in your complaint is a purchase you made with a company called [redacted] on April 15, 2015. You filed a dispute for this purchase on May 14, 2015, and the case number is [redacted]. This type of dispute is a merchandise dispute and can take up to 120 days for our dispute department to conduct their investigation and make a final decision. Should their research support your dispute, final credit will be issued to your account. However, if their research does not support your dispute, they will notify you by mail. If you have any questions or additional concerns while our Dispute Department conducts their investigation, you may contact [redacted], Disputes Servicing Specialist, at ###-###-####. 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 President Pc: Revdex.com Enclosure: Prior Response

[redacted] Date: September 9, 2015 Account: [redacted] Regarding Your Fifth Third Bank Stand Up 2 Cancer [redacted] Dear [redacted]: We received your rebuttal to our initial response to your complaint filed with the Revdex.com, concerning your credit card. We appreciate the time you have taken to express your concerns regarding this matter. As we discussed in our phone conversation on August 18, 2015, we conducted a thorough review of your credit card account on your credit report. Our review determined that the information provided to the credit reporting agencies was not correct. However, as we agreed in our original response dated August 13, 2015, an update was submitted to the credit reporting agencies to remove the revoked status and the late payment marks. Please note, this may take up to thirty (30) additional days to reflect on your credit reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### The Bank uses an automated system to evaluate a customer’s account. The automated system uses information provided to the Bank by [redacted] in relation to a customer’s credit score. If the customer’s credit score falls within the decrease criteria, the credit limit will be decreased when the balance drops low enough to allow a decrease to take place. Therefore, due to the information received by the credit reporting agency, your credit card limit was decreased upon receipt of your monthly payment. However, the Bank will review your credit limit in thirty (30) days after the credit reporting agency corrections are reflected on your credit report. I hope this correspondence cleared up any outstanding questions you had related to this issue. 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 Enclosure (1): Previous Response Letter

[redacted]Date:         July 6 2015Account: [redacted]Regarding Your Mortgage AccountDear [redacted]:We received a copy of your rebuttal complaint filed with the Revdex.com, concerning your Fifth Third Bank Mortgage Loan. We understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience these matters have caused you. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account.I want you to know that I have already taken action on your feedback. After speaking with you and receiving your complaint from the Revdex.com, I have shared the concerns you brought to our attention with the appropriate departments within the Bank. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction.Our Escrow Department is willing to process an exception to cancel the escrow account on your mortgage loan ending in [redacted], after the remaining escrow shortage of $397.44 is paid in full. Once the escrow account is cancelled, the mortgage loan payments received from March through June will be backdated. As a result, the late charges assessed will be waived and the delinquencies reported to the credit bureau agencies will be removed.You may send the payment for your escrow shortage to my attention at the following address:Fifth Third BankOffice of the PresidentAttention: [redacted]   We appreciate your patience while we researched your request. 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

[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]

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] Date: February 1, 2018 Account: [redacted] Account: [redacted] Regarding Your Debit Card Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning...

your debit card. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties at the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. When we initially spoke on the telephone regarding this matter on January 16, 2018, I explained to you that the issue you experienced was resolved on January 13, 2018, when you contacted the Bank’s Customer Service Department. At that time, and per your request, your debt card ending in [redacted] was properly connected to your checking account ending in [redacted] Since you confirmed with me at that time that the issue had been resolved, I did not take any further actions. On January 25, 2018, we received a copy of the complaint you filed with the Revdex.com. At that time, I called you regarding the issue. As we discussed during our telephone conversation on January 25, 2018, you visited our [redacted] Banking Center located at [redacted], [redacted], [redacted] on January 25, 2018, to deposit funds into your checking account ending in [redacted] To verify your account information, you provided the employee assisting you with you with your debit card ending in [redacted]. The employee assisting you entered your debit card number into the Bank’s account servicing system. When any of your account numbers are entered into our account servicing system, all of your Fifth Third accounts are displayed. Without checking to see which checking account was connected to your debit card ending in [redacted], the employee assisting you simply asked into which account you wanted to deposit. If the employee had checked to see which checking account was connected to your debit card, they would have seen that your debit card ending in [redacted] is only connected to your checking account ending in [redacted] They also would have seen that your debit card ending in [redacted] has only been connected to your checking account ending in [redacted] since January 13, 2018, when this matter was originally resolved. When we spoke, I also explained that, in the future, you can certainly call me directly with any additional issues, as I am happy to assist you. Before we ended our conversation, you confirmed that this matter has been resolved. Please also accept my sincere apologies for the level of service you received when you previously contacted the Bank regarding this matter. We strive to provide professional and accurate service to our customer and we regret if this has not been your experience. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   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: May 27, 2016 Account: [redacted] Regarding Your ATM Deposit Dispute Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Automated...

Teller Machine (ATM) deposit dispute. We appreciate the time you have taken to document your thoughts and concerns. On February 5, 2016, the enclosed letter was sent to you explaining that case [redacted] was opened to investigate your allegation that a cash deposit made via ATM in the amount of $740.00 was not credited to your account. An investigation was conducted, and the ATM was found to be in balance. On May 12, 2016, the enclosed letter was sent to you explaining the denial of your claim. It should be noted that we received your initial request for the dispute during your telephone call to the Bank on Sunday, April 3, 2016. Because the Dispute Resolution Department was closed, this information was forwarded to them for the case to be opened for further investigation. I am sorry for any concern it may have caused when you called the Dispute Resolution Department on April 4, 2016, and the case was not yet entered into the system. Based on your conversations with the Dispute Resolution Department, we reopened the investigation. However, after our additional review of the ATM, we confirmed that the ATM was in balance. Because the ATM is in balance, we are unable to approve your dispute. I apologize for any difficulties you may have experienced when attempting to discuss this matter with the Bank. 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 Enclosures: Dispute Status Letters

[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

[redacted] Date: April 14, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your mortgage loan. We appreciate...

the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we 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. As you may already be aware, you have the right to request that PMI be canceled on or after the following dates: 1. The date the principal balance of your loan is first scheduled to reach eighty percent (80%) of the original value of the property. This date is April 1, 2023. 2. The date the principal balance reaches eighty percent (80%) of the original value of the property. When your loan is eligible to have PMI canceled, you must be able to meet all of the following requirements: 1. You submit a written request to have PMI canceled on your loan. 2. There must be a good payment history as defined in the Notice Concerning Private Mortgage Insurance. 3. You must be current on your loan payments at the time of the request to have PMI canceled on your loan. 4. The Bank receives, if requested and at your expense, satisfactory evidence to the holder of your loan that the value of your property has not declined below its original value, and certification that there are no subordinate liens on the property. On March 31, 2016, we received your written request to cancel PMI on your mortgage loan. On April 1, 2016, we sent a letter explaining that PMI could not be cancelled on the loan at that time. This is because the loan to value ratio at that time was ninety six point six percent (96.6%). Please also note that, in determining if PMI can be canceled, the Bank uses either the lesser of the appraised value of the property at loan origination or the sale price of the property at loan origination. In calculating the current loan to value ratio for the purpose of determining if PMI can be canceled on your loan, we used the appraised value of the property at loan origination of $184,823.00 and the current outstanding principal balance owed on the loan of $178,241.57. Your current loan to value for the purposes of determining if PMI can be canceled on your loan is ninety six point forty four percent (96.44%). Since the current loan to value is still greater than or equal to eighty percent, PMI cannot be canceled at this time. The replacement value of a home provided by a Homeowner’s Insurance Policy cannot be used to determine the loan to value ratio for the purpose of determining if PMI can be canceled on your mortgage loan. Additionally, nearby comparable home sales cannot be used to determine if PMI can be canceled on your loan. Please note that the rules concerning PMI are derived from guidelines established by the federal investor that owns your loan. The federal investor that owns your loan is Freddie Mac. If you would like to contact Freddie Mac directly, please contact them at the address listed below: Freddie Mac 8250 Jones Branch Drive Mclean VA 22102 You can also find additional contact information for Freddie Mac online at www.freddiemac.com. I want to be sure you are aware that you may still be able to have PMI canceled on your loan with a new appraisal of the property. If you would like to pursue this as an option, please complete the enclosed appraisal consent form and fax it to ###-###-####. Please note that if the Bank uses a new appraisal as the value of your property in determining if PMI can be canceled on your loan, the following conditions must be met: * The appraisal must be ordered by the Bank; it cannot be ordered by the borrower. * The borrower must pay for the cost of the Bank approved appraisal; the cost for a Bank approved appraisal normally ranges between $395.00 and $700.00. * The loan will need to be at seventy five percent (75%) of the new appraised value of the property. * The property must be either a Single Family Home or Second Home; it cannot be a rental property. * The loan must two (2) to five (5) years old For reference I have enclosed the information you received at loan closing regarding Private Mortgage Insurance. The document is titled Notice Concerning Private Mortgage Insurance and further explains the information outlined in my letter. Additionally, please also find the enclosed letter that we sent on April 1, 2016, which further explains why the Bank is unable to cancel PMI on your loan at this time. If you have additional questions please call the Bank’s Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET. 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 (3): Appraisal Request Form; Notice Concerning Private Mortgage Insurance; PMI Cancellation Request Denial 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. 
Regards,
[redacted] Thank you for helping I received a letter from Fifth Third bank with an enclosure of there disclosure and there policy and late fee's procedures. They arw standing by there work.  Towards me saying that will not change there actions regarding me being unable to open another bank account anywhere which is very unfair.  Not allowing me to pursue my rights they were wrong by not disclosing and now I'm paying really don't know what else to do at this point. I was treated unfairly.

[redacted] Date: December 15, 2015 Regarding Your Accounts Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your 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 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. According to my research, and as you are already aware per our telephone conversation on December 11, 2015, in an effort to protect our customer’s accounts, the Bank’s Fraud Department regularly monitors customer’s accounts to prevent fraudulent transactions. On December 8, 2015, our Fraud Department suspected that the transaction on your World Debit MasterCard in the amount of $49.20, which posted to your account on December 8, 2015, might be a fraudulent transaction. Because of this, as you are also already aware, the transaction was blocked until we could speak with you regarding this transaction to determine its legitimacy. We regret if this caused you any inconvenience. I also want to apologize for the difficulties you experienced when you contacted the Bank regarding this transaction. Please understand that when you contact the Bank we strive to answer your call immediately without an extended wait time; however, when our call volumes are higher than usual, we are not always able to respond as quickly as we would like. Please be aware that I have ensured that the appropriate actions have been taken on all of the cards that you plan on using when you will be traveling. Although this will not guarantee that a block will not be placed on your account(s) while you are traveling, especially if a transaction is suspected to be fraudulent, the Bank will not block any of your accounts from being used simply because you are traveling overseas. If a transaction is blocked on your debit card while you are traveling, please contact our Bankcard Fraud Department at ###-###-####. If a transaction is blocked on your credit card while you are traveling, please contact our Bankcard Fraud Department at ###-###-####. Our Bankcard Fraud Department is available twenty four (24) hours a day, seven (7) days a week. Alternatively, you can contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET., Saturday, 8:30 a.m. to 5 p.m., ET. You can also contact me directly at the either of the numbers contained in this letter. [redacted], 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 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P. Office of the President PC: Revdex.com

5050 Kingsley DriveMD 1MOCOPCincinnati OH 45263 [redacted]Date: March 8, 2017Account:        [redacted] Regarding the Repossession of Your Vehicle Dear [redacted]:  We received a copy of the rebuttal complaint you submitted to the Revdex.com regarding the repossession of the vehicle securing your Fifth Third Bank auto loan. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. However, we stand by the response conveyed to you in our previous letter dated February 13, 2017. I have enclosed a copy of that letter for your convenience. Our position on this matter has not changed.  The insurance notices we sent to you were sent to the mailing address on file. At the time, there had not been an address update since February 20, 2014. Your mailing address was not updated to the address listed above until January 18, 2017. Please note that as the customers it is your responsibility to make sure we have the most up-to-date contact information for you. Fifth Third Bank relied on the contact information you provided to us and we did our due diligence to inform you that we needed proof of insurance from you. As you acknowledged in your rebuttal complaint, you were informed by our Repossession Department that you would need to make a payment to reinstate your loan in cash. A [redacted] payment or cashier’s check would have also been options for the vehicle released that same day; however, during the call with our Repossession Department you took no issue with the request to make a payment in cash. We offer this option first because paying in cash is the easiest way to make a payment with guaranteed funds to allow you to redeem the vehicle that same day. I am sorry if there was any misunderstanding. You also mentioned that you are unable to access your auto online. Please be aware that all customers with an open account are able to log into our website at 53.com to view account details and perform maintenance. Since you do not have a Fifth Third Bank debit card or credit card, you have the ability to enroll for online banking using your account number, full Social Security number (SSN), and loan documents. In order to enroll you will be required to reference your loan documents to answer verification questions. If you would like to enroll in online banking, please visit our website at 53.com. On the home page, select LOG IN. Since you are a first time user, you will need to click on the link to Register. From that point, you will be guided through the steps necessary to enroll in online banking. I am sorry if you were not provided with that option earlier. Additionally, as we stated previously, the force-placed insurance was not added to your loan in error. The total amount of the insurance was $1,829.00. The credit of $1,469.00 was posted to your loan leaving $360.00 still due for the lapse period from May 19, 2016, through July 30, 2016. If you have proof of insurance for this lapse period, you may mail it to the following address: Fifth Third BankOffice of the PresidentAttn Elizabeth D.5050 Kingsley DriveMD 1MOCOPCincinnati OH 45263 You may also fax this documentation to my attention at ###-###-####. Once we receive this documentation, we will forward it to our Insurance Department for a possible full credit of the force-placed insurance. Thank you for your patience while we conducted our additional research. You are valued customers, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely,       Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Prior response 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.   
Regards,
[redacted]
I still have problem with my account regarding [redacted]- [redacted] They stated that because 272.10 check was cancelled I received payment for the this amount that I should have not  I was told it was 3 check that was sent to this company 1 check for 271.10 another check for 184.0 and third check for 272.10 [redacted] stated there was not a third check now I did not speak with anyone to dispute the 272.10 in the office I was told there was third check because [redacted] already received two check I had to contact company to get my money back they cashed 184.0 and the 272.10 the bank disputed the check [redacted] paid me back that money now they stated I should not received 372.10 amount add back to my account now cause payment was disputed by the bank when I was at the bank we spoke about third check coming to [redacted] they had already had check for 184.0 and 272.10 cashed both of them that why they sent me back 372.10 because 83.96 was taken out of that which left 372.10 they stated check amount 272.10 was disputed they already sent that money back I owe them back that money it's not my fault the bank representative did that I only spoke to them about getting my money bank I didn't do any dispute the bank did  Mess Up my account again Now who is to blame Now not me the bank handle that they need to fix it

[redacted] [redacted] [redacted] Date: January 31, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your checking...

account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. You contacted the Bank on December 14, 2016, at approximately 11:30 a.m. to advise your purse was stolen along with all of your Bank information, personal identification, and password information. You spoke to a representative named Trafawn. You requested to have the account closed, but Trafawn advised she could not because the account balance was negative. Please note that Fifth Third Bank can close an account per a customer’s request only if the balance is zero ($0.00) and there are no pending transactions. You determined during that phone call that a fraudulent $51.41 debit card transaction to [redacted] processed that morning at 8:48 a.m. using your stolen debit card. Trafawn advised she would place a hold on your account, would place a temporary hold on your debit card, and would transfer you to our Dispute Department to dispute the fraudulent transaction. Trafawn placed you on hold to call the Dispute Department to connect you to a representative. However, when she came back to the call to transfer you, you were no longer on the line. I confirmed that the debit card hold was placed on December 14, 2016, and the checking account hold was placed on December 15, 2016. The $51.41 debit card transaction to [redacted] was disputed by the [redacted] Banking Center on December 15, 2016. The transaction posted to the account on December 16, 2016. The case number assigned to your dispute was [redacted]. After you disputed the transaction on December 15, 2016, the debit card utilized was permanently closed. The dispute was approved and the $51.41 was credited to your checking account on December 20, 2016. Please be advised that even though the Bank placed a hold on your checking account, it does not prevent transactions from attempting to process. The hold returns the transactions as unpaid, but relevant returned item fees are still assessed. On December 27, 2016, six (6) checks totaling $1,947.00 posted to the account. Another check for $983.00 posted on December 28, 2016. All of the transactions were returned as unpaid, but $259.00 in returned item fees were assessed to the account. You disputed the seven (7) check transactions on January 3, 2017. The case number is [redacted] and is still being researched. It can take up to forty-five (45) days to resolve. I confirmed that all of the returned item fees associated with the checks have been waived from your account. Please note that anytime a transaction posts to your account that causes a negative balance, we are required to send a letter to you notifying you of the situation. For this reason, you receive an overdraft notice. We also issued a letter on January 25, 2017, notifying you of the overdraft on your checking account and possible action the Bank could take. Please be assured that the letters are automatically generated and we cannot prevent them from being issued. The Bank will not take any account action on the account while the fraud is being investigated. I am very sorry for any distress the notices may be causing you. Your checking account was secured by the hold we placed on December 15, 2016. No transactions can be approved on the account. I confirmed that all overdraft fees and/or returned item fees for disputed transactions have been waived on the account since December 15, 2016. You also mentioned that you wanted to place a password on your account. Please be advised the Fifth Third Bank guidelines do not allow a password to be placed over the phone with our Customer Service Department. Customers must visit a banking center and show identification to have a password placed. This is done as additional protection to our customers so someone who has stolen a customers’ information or identity cannot call the Bank to place a password. This would prevent the actual customer from being able to get information or make changes to their accounts, because they would be unable to give the password added by the person committing fraud. I noticed that a customer service employee added a password to your account on January 10, 2017. Please be advised that this was done by the employee outside of the Bank’s guidelines, and I have contacted the relevant Bank personnel regarding the action. If you did not place this password, please contact me immediately using my phone number listed below. If you did place the password and want to change or remove it in the future, you will need to visit a banking center to do so. We may be able to close the checking account ending in [redacted] when the account balance is zero ($0.00), as long as there is no pending activity and no checks, Automated Clearing House (ACH) transactions, or Online Bill Payments post the same day. Please note that a $459.15 transaction to Comcast posted to the account on January 24, 2017, which we returned as unpaid due to the account hold. A $37.00 returned item fee was assessed on January 25, 2017. The balance in your checking account as of January 26, 2017, is negative ($35.44). You may wish to contact the Dispute Department to dispute the transaction. Because the transaction was not able to post, the dispute would allow the returned item fee to be waived if the dispute is approved. If you would like to follow up with the Dispute Department directly, they can be reached toll-free at ###-###-####. The Dispute Department is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. Alternatively, you can contact me directly using my phone number listed below. Please be assured that your new checking account is not connected to the old checking account. They have different account numbers and new debit cards with new debit card numbers were issued. Depending on what information was also stolen, such as identification or your Social Security Number, you may wish to consider filing an identity theft report with the Federal Trade Commission (FTC) online at IdentityTheft.gov. You may also wish to place a fraud alert with the credit reporting agencies. You can contact the credit reporting agencies using their information listed below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### It should also be noted that you are entitled to receive one (1) free credit report from [redacted], [redacted], and [redacted] each year. You can order this by visiting www.annualcreditreport.com. I am very sorry for the dissatisfaction you have experienced with our Customer Service Department. You specifically mentioned an employee named Aubree. Unfortunately, I was unable to locate any phone calls with someone by that name. I apologize for any distress this may cause you. Please note that I was able to locate a phone call during which the call ended abruptly. I cannot determine if the agent purposely terminated the call, or if the call was dropped. Please be assured that I have reached out to the relevant Bank personnel regarding the possible hang up. 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

[redacted]Date: December 16, 2015 Account:     [redacted]Account:     [redacted]Regarding Your Checking AccountsDear [redacted]: We received a copy of your rebuttal filed through the Revdex.com concerning your checking accounts.  We appreciate the time you have taken to express your thoughts and concerns regarding this matter.We stand by our previous response to you dated November 18, 2015.  We are not willing to reverse any additional overdraft charges.Our records reflect that the account ending in [redacted] was charged off on December 8, 2015 and the account ending in [redacted] was charged off on December 1, 2015.  Both accounts were charged off due to the overdraft situations.  In addition, both accounts were sent to a third party vendor, Allied Interstate, for further collection purposes.  Please direct any additional collection correspondence regarding your accounts to them.  They can be reached directly at ###-###-####    On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter 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, Carolyn G.Office of the President