PROCORPSA

[redacted] [redacted] [redacted] Date: May 13, 2016 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your...

vehicle installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we 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 April 21, 2016, we received funds in the amount of $11,684.45 to pay off your vehicle installment loan. The payoff payment was posted to your account on April 22, 2015. Since the payment of $11,684.45 exceeded the payoff amount by $9.06, a refund check in the amount of $9.06 was sent on May 6, 2016. If you have not received the refund check, please contact me directly at the telephone number provided in this letter. On May 6, 2016, we received an additional loan payment in the amount of $606.76. Since the loan had already paid off when this payment was received, in approximately ten (10) business days from May 6, 2016, a payment refund check in the amount of $606.76 will be mailed to you. If you do not receive the payment check within two (2) weeks from May 6, 2016, please contact me directly at the telephone number provided in this letter to have a new check sent. According to our records, your loan payments were being sent to us from a bill payment service that is not affiliated with the Bank. The company is called [redacted]. As part of my research into this matter, I called [redacted] at ###-###-####, and they confirmed that, even if a loan is paid off, they will continue to send payment to the lender. Smart Payment Plan will continue sending payments until the customer has contacted them to cancel the service. When we spoke on May 9, 2016, you stated that the other borrower on the loan contacted the Bank in April 2016 and was informed by an employee in our Customer Service Department that the Bank would contact [redacted] on her behalf to cancel the service with them. I listened to the recorded telephone call between the other borrower on the loan and the customer service agent. During that call there was no discussion about cancelling the service with [redacted]. As we discussed during our telephone conversation on May 11, 2016, while we regret the issues you have experienced with your loan, the Bank is not able to reimburse you for any of the fees assessed by the institution where you hold your checking account. This is because none of the fees were assessed by Fifth Third, and because there has not been any error made by Fifth Third regarding your loan payments to cause fees to be assessed. Your only recourse for reimbursement of fees you have incurred, is by contacting the financial institution that assessed the fees to your checking account. Additionally, if you have previously contacted Smart Payment Plan to cancel the service with them, and they drafted a payment from your account after you requested cancellation of the service with them, they may be able to refund you for some of the fees you incurred. 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

Sending again the letter from GAP Insurance LEgal Department.  Fifth 3rd is claiming they do not know why the GAP did not PAY more, but according to the GAP letter it indicates that GAP does not send a payment and the bank actually WAIVES the balance due at the time of the accident after the primary insurance pays ([redacted]).  The amount considered GAP would be based on information the BANK provided which was incorrect as the BANK has not returned the entire payment I made after the accident which was $345.44 on Dec 1.  I was told by their employee that I would receive this amount back but needed to make this payment to protect my credit.

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. My view on the matter is their system is faulty and their staff is rude and unaccommodating and if I can't trust my bank I will go elsewhere these fees are not merited and they are on a grand stand to make a point. I will close my accounts and several times with this institution as a whole.
Regards,
[redacted]

[redacted] [redacted] [redacted] [redacted] Date: July 13, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted] [redacted]: We received a copy of your rebuttal to our response letter filed through the Revdex.com on July 6, 2015. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We strive to provide professional and accurate service to our customers and I am sorry if that has not been your experience. Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers. Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. I have enclosed a copy of our current Rules and Regulations for your review. Page 17 provides additional information regarding transaction cut-off times. The business day cut-off time for deposits made through the ATM is 7:00 PM Eastern Time. Notice of this cut-off time is provided on the front of all Fifth Third Bank ATMs. Deposits made after the 7:00 PM cut-off time are not credited until the next business day. A business day is a non-holiday weekday; Monday through Friday. In researching your concerns, we found that your $445.00 deposit was made on Friday, June 26, 2015, through an Automated Teller Machine (ATM) at 8:34 p.m. . Because this deposit was not made prior to the 7:00 PM cut-off time Friday evening, the deposit was not able to be processed until the next business day, Monday June 29, 2015. We are continually working to ensure funds from your deposits are available in a timely manner, while meeting all Federal Regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as a customer, and the Bank, from loss or possible fraud. In some circumstances, we reserve the right, per the federal government, to place a hold on a deposit for a longer period of time. Page 18 and 19 of our Rules and Regulations provides information regarding our Funds Availability Policy and these extended holds. The full amount of the deposit will not become available until the hold has ended. Per our Funds Availability Policy, the first $100.00 of the deposit is made immediately available and the remaining balance is made available the next business day. However, an extended hold was placed on your entire deposit of $445.00 due to the repeated overdrafts on your checking account. A letter informing you of this hold was sent to you on June 30, 2015. The funds were made available to you on July 8, 2015. Enclosed is a copy of the letter previously mailed to you. Overdraft fees are assessed the business day after the overdraft occurrence. In your letter you conceded the (2) $37 overdraft fees, one assessed on June 24 and the other on June 25, were not a bank error. These fees were assessed due to overdraft occurrences on June 23 and June 25, respectively. Your ending day balance on June 25, 2015 was negative ($138.06). Because two additional transactions contributed to the overdraft, your account was scheduled (2) $37 overdraft fees to be assessed the next business day. On June 26, these overdraft fees were posted to your account, totaling $74. Because the funds from your $445 deposit were not available for use on June 26, the payment to Comenity for $101.64 was assessed a $37 overdraft fee that posted the next business day, Monday June 29. Our records reflect that an overdraft charge of $49.00 was reversed on your account on June 29, 2015 and a $37.00 overdraft was reversed on June 30, 2015. Therefore, we are unable to reverse any additional overdraft charges. As of July 8, 2015, the balance in your checking account is $437.91. We empathize with the difficulties you have encountered with your account. 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. Carolyn G. Office of the President Pc: Revdex.com Enclosure: Rules and 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. 
Regards,
[redacted]   I have closed all my accounts with 5/3 and my wife and daughter are doing the same I will proceed a refinance with our new banking center 5/3 used to much of my time on this matter they say it was only 45 days it turned out to be 4 months

[redacted] Date: April 25, 2016 Regarding Your Revdex.com Rebuttal Dear [redacted]: We received a copy of the rebuttal you filed with the Revdex.com concerning our response to a check that was returned unpaid to you due to it being fraudulent While we would like to offer our sincere apologies for any inconvenience this matter may have caused you. We stand by our previous response to you dated April 5, 2016, and recommend contacting your local police department so they can assist you with filing the necessary documents for any fraud that may have occurred. I have enclosed a copy of our original response for your convenience. We strive to provide professional and accurate service to our customers, and I apologize for any difficulties you may have experienced. If I could be of further assistance to you, please call me at 616-653-7056, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shannon K.Office of the President Enclosure: Original Response.

I have filed a complaint with the Revdex.com regarding two transactions on my prepaid Fifth Third account I've called and left a voicemail for Allison S. of Fifth Third Banks corporate office. She called and left me a voicemail the other day advising me she was investigating more into...

this matter. I have not heard back from her since my voicemail on yesterday June 23rd 2017 there are two erroneous charges on my prepaid card I disputed  the first one in the amount of $42 and some odd sense at a restaurant on the southside of [redacted] subsequently I noticed that there was also a $35 charge for a nail salon also on the southside of [redacted] I have asked 5th third to look at my transaction history I do not live neither do business on the southside of [redacted]. The restaurant charge that is erroneous is for a Mexican restaurant I do not eat Mexican food they will not see any charges from a Mexican restaurant including [redacted] on my transaction history the subsequent $35 charge was for a nail salon on the southside of [redacted]. Although I do get my nails done I have a designated shop of which I go to which is closer to my home versus traveling to the south side of [redacted]. I feel as if Fifth Third is treating me like I am the criminal instead of seeing I've never had any previous disputes with them. I've been a content customer until now. Even 5th 3rd shut down my regular debit card just a week to two weeks prior to this happening due to an erroneous [redacted] charge that was on my checking account debit card they immediately reversed it but in the meantime still inconvenience me by shutting that debit card down and not advising me what was going on so when I went to try to make transactions my card kept coming up declined but now I feel like I'm being treated as if I'm the criminal. on the prepaid card when I'm disputing these charges because they're totaling over $70. When I contacted the fraud department in open the case initially to file the dispute on the initial charge of $42 and some change from the restaurant on the Southside they advised me I would get a provisional refund of the money within 7 to 10 days now it has been over 2 weeks and I feel like they're holding up my refund and punishing me because I've contacted the Revdex.com. If there's anything that you can do to try to expedite an assist me in this matter I'm more than appreciative.Sincerely,[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  I have known on quite a few occasions for Fifth Third to take at least a week to process my payments, despite your claim. Since your telephone calls are recorded, I am sure it would be quite easy to pull up one where your representatives state that it takes at least 3-5 business days for payments to even be processed by your financial department. Btw, why is it that your computer system cannot show someone from customer service that my payment at least has been received?? I never have this problem with [redacted]....all which seem to more technlogically savvier than your company apparently.Once it is figured out who cashed my money order, I will inform you immediately.
Regards,
[redacted]

[redacted] Date: March 17, 2017 Account: [redacted] Regarding the Hold Placed on Your ATM Deposit Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding the hold placed...

on your Automated Teller Machine (ATM) deposit. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. Thank you for taking the time to speak with me regarding your complaint on March 14, 2017. Upon receiving your complaint, we reviewed your deposit activity, and as a courtesy to you, decided to remove the hold on your deposit making all funds available to you. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal Regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud. In some instances, we reserve the right to place a hold of a longer period of time on a deposit. The full amount of the deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the seventh business day after the day of your deposit. On March 12, 2017, you deposited a non-Fifth Third check for $1,104.00. Per Federal Guidelines, because your checking account had been overdrawn six (6) or more banking days within the past twelve (12) months, this deposit was placed on hold and a notification letter indicating this hold reason was sent to the address we have on file for you. Originally, the funds would not become available until March 22, 2017, but as discussed previously, the hold was removed by our office on March 14, 2017. During our conversation you also informed me that you have not yet received your state tax refund check and questioned whether a hold would be placed on that deposit as well if you deposit it via an ATM. I have confirmed your state tax refund check was deposited at a Fifth Third Bank ATM on March 15, 2017, and posted on March 16, 2017. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] Date: October 17, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of your additional complaint you recently filed with the Revdex.com (Revdex.com) regarding the overdraft fees you received on your Essential Checking account. Please be assured that Fifth Third Bank takes your continued feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. We initially received a copy of this complaint filed with the Revdex.com on September 27, 2017; we received a duplicate complaint from you on October 12, 2017. However, we stand by the response conveyed to you in the previous letter sent on October 11, 2017. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. Please note your account was overdrawn on September 25, 2017. Although deposits were made on September 26, 2017 to bring the account to a positive balance, the $185.00 in fees that you received were associated with the previous day’s overdraft. Per our previous explanation, deposits must be received up to the business day cut-off time to prevent an overdraft occurrence. Therefore, a deposit needed to have posted prior to 11:59 PM ET on September 25, 2017 to prevent the overdraft fees from posting the following business day. As the customer, you are in the best position to know what payments are outstanding on your account and will need to be covered by a deposit. I have also enclosed a copy of the Overdraft Notice sent to you on September 26, 2017, this details specifically which transactions these fees were associated with for your records. 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, Sarah S[redacted] Office of the President Enclosures: Previous Response Letter Overdraft Notice dated September 26, 2017

[redacted] Date: May 24, 2017 Account: [redacted] Regarding Your Cashier’s Check Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding a cashier’s check for [redacted]’...

checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please accept my condolences for your loss. On behalf of the Bank, please accept my sincere apologies for the difficulties you encountered while trying to obtain a replacement cashier’s check for [redacted]’ checking account ending in [redacted]. We strive to provide exceptional and timely service, and I am sorry that was not your experience. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. After receiving your complaint, we reached out to senior management in the [redacted] region. We were informed that you obtained the replacement cashier’s check number 2[redacted] in the amount of $732.58 at the [redacted] Banking Center on May 22, 2017. We regret the delays in issuing the replacement check. I hope this letter meets your satisfaction and resolves your needs. Thank you for your patience while we conducted our research. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] Date: August 31, 2016 Application #: [redacted] Regarding Your Mortgage Loan Application Dear [redacted]: We received your additional complaint filed with the Revdex.com regarding your mortgage application. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We have reviewed your additional concerns regarding the application fee. We apologize for any difficulty or concern this may cause you; however, we stand by the response conveyed to you in our previous letter dated August 22, 2016. For your reference, I have enclosed a copy of our prior correspondence. Per our previous correspondence, the application fee is charged for processing the application. As indicated on the pricing agreement, “This loan processing fee does not represent a pre-payment of specific closing costs. It does, however, represent a pre-payment of a portion of the total settlement costs. Assuming your loan application is approved, this prepayment of settlement costs will be applied towards your total costs due at closing your transaction. If your application is not approved, is withdrawn, or is approved and does not close, you will NOT be entitled to a refund of any fees paid including but not limited to the loan processing fee and long term rate lock fee.” For your reference, I have enclosed a copy of the pricing agreement. 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, Brandy W.Office of the President Pc: Revdex.com Enclosures: Prior Correspondence, Pricing Agreement

[redacted] Date: October 31, 2017 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the complaint you filed with Revdex.com concerning your vehicle installment loan. We...

appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we 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. Your regularly scheduled loan payment of $245.54 is due on the twelfth (12th) day of each month. On September 25, 2017, you called the Bank to make payment arrangements with the Bank since the payment that was due on September 12, 2017, had not yet been made. Upon our review of the recorded telephone call at that time, you authorized a $246.00 electronic payment from your non-Fifth Third Bank account. You agreed that the payment would be drafted on September 29, 2017. During the call, the employee with whom you spoke explained that, although the payment was being scheduled for September 29, 2017, the payment might not post to your [redacted] bank account until October 2, 2017. According to the [redacted] account statement that you faxed to me on October 16, 2017, the payment posted to your account on October 2, 2017. Unfortunately, the Bank is not able to provide you with a recording of the call on that day as such information is for the Bank’s internal use only. Since you agreed to draft the $246.00 payment on September 29, 2017, and since the payment you authorized was drafted per your instructions, the Bank will not issue you a refund for any of the associated overdraft fees that were assessed to your non-Fifth Third Bank account. We regret any frustration or inconvenience this might cause you; however, the Bank could only issue a refund to you if you were assessed fees because of an error made by the Bank. Please be aware that the $12.28 late payment fee that was assessed to your loan on September 27, 2017, was reversed on October 2, 2017, as a courtesy to you. I also want to be sure that you are aware that, although your September 2017 loan payment was late, this did not result in any negative credit reporting. This is because the payment, although late, was not late by thirty (30) days or more. If you would like to contact the credit bureaus directly, their contact information is below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### As of October 27, 2017, we still have yet to receive your regularly scheduled loan payment of $245.54 that was due on October 12, 2017. Since your loan has a fifteen (15) day payment grace period, as of October 27, 2017, a late payment fee has not yet been assessed. You can send a payment by mail, schedule a payment on our website at 53.com, or schedule a loan payment by phone by calling 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. I also want to take this opportunity to make sure that you are that the Bank offers an alternative to mailing your monthly payments. It is a service called Auto BillPayer. Auto BillPayer will automatically transfer monthly payments from a non-Fifth Third checking account to your loan at no additional cost. Many of our customers appreciate the convenience of Auto BillPayer, which eliminates the need of check writing and mailing your payments. If you are interested, please call ###-###-####, Monday through Friday 8 a.m. to 5 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  The bank has offered to reinstate the card so that this particular blemish on my credit was removed. The card is still not open however, even though the card is closed fifth third continues to lower the credit limit whenever we make a large payment (which is every month as we consistently pay 4-5 times the payment) each time this happens my credit receives a negative report and lowers.This whole thing began with a misunderstanding. We were leaving town and paid a payment (several times the minimum) and because it was early it went into the previous month leaving us with a payment missed. I requested grace on this matter and with my initial conversations with 5/3 thought this would be taken care of.  After my last conversation I understand they are planning to let this stand.This has caused a 200 point drop in my perfect credit. Because of the late pay and their dubious practices of lowering the limit whenever we make a payment. I own a small business and this will now make it impossible to get a loan to open a new store. Why??? Because I made a payment (larger than requires) 2 days early. I get rules, but there needs to be exceptions. This will not be resolved in my opinion until the 40 day late is removed from my credit. This has had such a devastating effect on my business.
Regards,
[redacted]

[redacted] Date: April 12, 2017 Account: [redacted] Regarding Your Platinum Credit Card Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com and the...

[redacted] ([redacted]) concerning your credit card. We appreciate the time you have taken to document your thoughts and concerns. On February 18, 2017, the Bank sent you an alert concerning potential suspicious activity with your credit card ending in [redacted]. Once you respond to the alert with “No, take action” confirming the transactions were not made by you, a second (2nd) notification should have been received advising you that the card has been blocked and prompting you to contact our Customer Service department immediately to review the account with a Fraud Specialist. On behalf of the Bank, please accept my sincere apology that you did not receive the second (2nd) notification. It was certainly not our intention to cause you any hardship. Your comments expressing less than quality service are very concerning and we regret the difficulties you experienced. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. 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. Per our conversation, as of April 1, 2017, you no longer have any open accounts with Fifth Third 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, Alison S.Office of the President Pc: Revdex.com; [redacted]

[redacted] Date: January 20, 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 processed an Online Bill Payment via our website at 53.com to your [redacted] credit card account for $4,500.00. You scheduled the payment to process from the checking account ending in [redacted] on November 30, 2016. When the payment processed as requested on November 30, 2016, there were insufficient funds in the checking account to cover the transaction. As a result, the $4,500.00 was returned by the Bank as unpaid. Please note that Online Bill Payments are sent as a check to the payee or they are submitted via an Automated Clearing House (ACH) transaction. If the payment is made via ACH, our Online Bill Payment vendor pays the bill with their own funds. The vendor then drafts the payment from your account to reimburse the funds they used to pay your bill. This means that [redacted] received the $4,500.00 payment, but the money was unable to be drafted from your account. Our vendor will attempt to draft the funds multiple times from the account you selected in an attempt to reimburse. If the vendor is unable to be repaid, then the customer’s information is sent to the vendor’s collection department. The $4,500.00 was processed on November 30, 2016, December 5, 2016, and December 8, 2016. Each attempt was returned as unpaid for insufficient funds. As a result, your account was charged one (1) $25.00 returned item fee and two (2) $37.00 returned item fees. The fees assessed to the account are listed on page three (3) of the enclosed Rules and Regulations. I confirmed that you successfully made the payment to [redacted] from your checking account ending in [redacted] on December 2, 2016, using the Online Bill Payment system. Please note that scheduling a separate successful payment does not cancel out the previously unsuccessful payment. The payments are separate from each other. Our Online Bill Payment vendor was able to receive a refund of the $4,500.00 they paid to [redacted] that they were unable to recoup from your checking account ending in [redacted]. I understand that you requested to have all fees related to the Online Bill Payment reversed. I verified that $74.00 of the total $99.00 in returned item fees have already been waived. Because we value your relationship with the Bank, and because we empathize with the issue you experienced, we reversed the remaining $25.00 returned item fee in the interest of customer service on January 18, 2016. Please note that it is each customer’s responsibility to ensure there are available funds in the accounts from which they have scheduled Online Bill Payments. The Bank and the Bank’s Online Bill Payment vendor will not send a warning to the customer if there are insufficient funds to make or schedule the payment. You also mentioned that due to the [redacted] transaction processing multiple times, your account ending in [redacted] was converted from a savings account to a checking account. Please be advised that Federal Regulations limit the number of electronic withdrawals that can be processed from a savings account. Page twenty (20) of the Rules and Regulations provides information regarding savings account transactions. You are allowed six (6) electronic withdrawals of the following types each month: ** Automatic transfers from a savings account to cover an overdraft via Overdraft Protection ** Transfers of funds or bill payments to third (3rd) parties or other deposit accounts at Fifth Third Bank ** Preauthorized ACH or Electronic Transfers ** Fifth Third Telephone Banking or any money management payment from your savings account ** Point-of-sale transactions with a debit card ** Checks or drafts payable to third parties After three (3) instances in twelve (12) months of exceeding the allowable number of monthly withdrawals or transfers, your savings account may be closed and the funds transferred to a checking account. Enclosed are copies of the letters we sent to you on February 27, 2015, March 31, 2016, August 31, 2016, and September 30, 2016, notifying you that you had exceeded the limit of restricted savings account transactions. You exceeded the transaction limit three (3) times in a twelve (12) month timeframe. Per the letter issued on September 30, 2016, we converted the savings account ending in [redacted] to a checking account to comply with Federal Regulation. The account conversion occurred in October 2016, which was prior to the attempted [redacted] card payments. Per the notice, the checking account has an $11.00 monthly service fee, which is reduced to $8.00 if you have direct deposits totaling $500.00 or more. Please be advised that we are not permitted to convert the checking account back to being a savings account. If you would like to determine if a different checking account type would work best for you, I encourage you to visit a Banking Center or contact our New Accounts Department at ###-###-####. That department is available to assist you Monday through Friday from 8 a.m. to 8 p.m., ET, and on Saturday from 8 a.m. to 5 p.m., ET. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Rules and Regulations, Limited Transactions Notification

[redacted] Date: March 23, 2017 Account: [redacted] Regarding Collection Calls Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com). 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. Our records reflect that you opened a vehicle installment loan on December 1, 2016. Enclosed is a copy of the application for the loan as well as the signed contract. The vehicle purchased was a [redacted]. Please note that your name on the contract is spelled “[redacted].” Unfortunately, the name was entered into our systems as “[redacted]” in error. I confirmed that the address and phone number on the application match the address and phone number in our systems. However, the phone number on the application is not the phone number you provided in your complaint. The phone number in your complaint is not on file and is not being called by our Collection Department. Our Collection Department is calling about this account at the phone number ###-###-####. You advised we are calling you in error, and ###-###-#### is the phone number we are calling, which is the phone number on the application. The email address listed in your complaint is the same email address we have on file for the account. I am happy to verify if the Social Security Number (SSN) is yours if you call me using my phone number listed below and provide your SSN. I can verify if it matches our records. If after reviewing these documents you determine the application was submitted 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. You may also wish to file an identity theft report via the Federal Trade Commission. The report can be accessed online at IdentityTheft.gov. Please send copies of the police report and identity theft report to our address listed above. The documents can also be sent to my attention via fax at ###-###-####. If you would like to contact the credit bureaus directly, the contact information can be found below: Equifax ###-###-#### Experian ###-###-#### TransUnion ###-###-#### Innovis ###-###-#### If you determine the account is valid, please contact me directly using my phone number below so that I can update the spelling of your first (1st) name in our systems. Per your request, we have placed a cease and desist on your account so you will no longer receive phone calls from our Collection Department. Please note that this will not stop other collection activity. To maintain the security of your account, I am sending this letter to the address we currently have on record for you. I noticed that the return address you used in your correspondence is different. According to our security protocols, I cannot update your mailing address based upon your correspondence. I encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updated. The Customer Service Department can be reached at ###-###-####. Customer service 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. I can be reached at the telephone number listed below. 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: Contract

Dear Revdex.com,
The response, provided by 5/3 Bank, in reference to complaint ID [redacted] is understood and accepted by me.  Please, consider this matter resolved.  Thank you, for your attentive assistance. 
With Sincere Appreciation,
[redacted]

[redacted] Date: May 17, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. I also appreciated the opportunity...

to speak with you. We are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. The Bank paid $3,638.62 to [redacted] County on November 3, 2016. As we discussed, the Bank was not billed for the remaining portion of your tax bill. Our research indicates that you were appealing the tax amount. We spoke with the taxing authority on May 5, 2017, after receiving your Revdex.com complaint. They informed us that the appeal was denied and the bill was sent directly to you. While you paid the amount yourself, we have updated your escrow account to reflect that $3,945.33 will be due December 1, 2017. The annual escrow analysis for your loan will be in June and any changes to your monthly payment will be communicated to you separately through an Escrow Analysis statement. We also reviewed your concerns regarding the payment of your homeowner’s insurance premium. Although we are committed to excellence, mistakes sometimes occur. An internal processing error caused the payment for your insurance premium to be delayed. The prior policy was good through October 28, 2016. When we did not receive a bill from the insurance carrier, we contacted them on October 31, 2016, to verify coverage and request the premium notice be faxed to our Insurance Center for payment. We paid your homeowners insurance premium on November 10, 2016. Because Fifth Third Bank maintains a master insurance policy, your property was never exposed and was covered at all times. We assure you that we have closely reviewed and corrected the issue in our internal systems to avoid any similar problems in the future. The next annual premium payment is scheduled for October 28, 2017. Customers can update their insurance information by fax, by mail, or online at InsuranceServiceCenter.com. Property tax information can be submitted either by fax, or by mail. The Bank’s Customer Service Department does not communicate with customers via email for security reasons. It was not our intention to cause you any hardship and I apologize for the inconvenience this matter caused you. You are a valued customer and I appreciate this opportunity to address your concerns. 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, Alison S.Office of the President Pc: Revdex.com