PROCORPSA

[redacted] Date: August 31, 2016 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your...

mortgage loan. We appreciate the time you have taken to express 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. On July 9, 2014, you applied for a mortgage loan utilizing your property at [redacted] as collateral. Your mortgage refinance was approved, with your first payment scheduled for October 1, 2014. The parcel number for this property is [redacted]. Our research has confirmed that the Bank has paid your property taxes, with the most recent payment being made to [redacted] County on July 8, 2016. The next tax payment is scheduled for March 1, 2017. In your complaint you state the parcel number associated with the delinquent property taxes is [redacted]. Please note, our research was unable to locate a mortgage loan and/or an escrow account for the property located at [redacted], in [redacted]. Therefore, the Bank is unwilling to reimburse you for property taxes and penalties associated with this property. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com

[redacted]Date: July 29, 2015 Account: [redacted]Regarding Your Fifth Third Equity LoanDear [redacted]:We received a copy of your complaint filed with the Revdex.com; regarding the level of service, you received from our Consumer Contact...

Center when attempting to refinance your equity loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter.It was certainly not our intention to cause you any undue hardship and we sympathize with the difficulties you encountered. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. 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 understand your frustration when this situation occurred. However, our Consumer Contact Center strives to provide professional and accurate service during every telephone call they receive throughout the day. Unfortunately, you did not experience this type of service.Upon receiving your complaint, I contacted our Retail Direct Sales team with your loan information. An agent will contact you to discuss loan options that will enable you to possibly lower your monthly payment.Thank you for your feedback as it assists us in identifying problems and to continuously improve the level of service we provide to our customers. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you please contact me directly at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,Patrick S.Office of the PresidentPc: Revdex.com

Below is our response to the customer. Additional statement will be mailed with our response and attachments since only able to attach three additional items to the response. Thank you. [redacted] [redacted] [redacted] Date: January 28,...

2016 Account: [redacted] Regarding the Closure of Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding the closure of your checking account. We appreciate the time you have taken to share your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank strives to meet our customers’ financial needs while balancing a commitment to responsible banking practices. According to your complaint, you requested to have the checking account that you shared with your daughter, [redacted], closed the same day that you closed the joint savings account. We regret if you were told that both parties needed to be present to close the checking account. The checking account could have been closed as long as no additional transactions were outstanding at the time. We may have requested that you contact your daughter to confirm that all items had cleared the account. We would have been unable to remove your name from the checking account, however. In order to have a name removed from a depository account, the account would have to be closed. I regret if you were told otherwise. According to our records, our Bank Protection Department opened a case to investigate the activity on the checking account. It was discovered that multiple counterfeit checks were deposited into the joint checking account during September 2015. The deposits were made at an Automatic Teller Machine (ATM). After the deposits were made, funds were withdrawn from the account at the same ATM, which created an overdraft balance. I have enclosed copies of the related checking account statements and overdraft notices for your review. Our records indicate that we continued to send the statements and notices in both names to the address listed above. The checking account remained overdrawn and on October 14, 2015, the account was charged off for $910.33 and send to [redacted] for further collection proceedings. For additional information regarding the account, you may contact [redacted] at ###-###-####. If [redacted] [redacted] is willing to accept a payment as a final settlement for the account, you may contact [redacted] regarding the status of your account, on the Internet at www.consumerdebit.com, via telephone at ###-###-#### or by mail at: [redacted], Consumer Relations, and [redacted] 
[redacted]. Fifth Third Bank, Member FDIC. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp I regret any inconvenience you may have experienced as a result of the charge off of this account. Please be assured that we have fully researched your concerns and we believe that this matter was handled both appropriately and professionally in accordance with the Bank’s policies and procedures. If I may 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, Lisa S. Office of the President Pc: Revdex.com Enclosures: Checking account statements, overdraft notices

The check matches the amount of the two (2) transfers on the statements provided to Ms. Lewis. We have provided the customer with statements and copy of the check sent to [redacted] County. If [redacted] can provide us something from [redacted] County stating they did not process or receive the check we would respond to that. However, we would respond the same way with a photo copy of the attached check. Thanks. Pat S.Customer Care Team SpecialistFifth Third Bank | Office of the President

Our response dated February 12, 2016, was the final response to Revdex.com Complaint ID #[redacted]. We've already addressed all of the concerns in the previous responses.Thank you,[redacted]Fifth Third Bank | Office of the President

[redacted] Date: August 17, 2016 Account: [redacted] Regarding Your Credit Bureau Reporting Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com regarding the information on your credit report. We appreciate the additional time you have taken to document your thoughts and concerns in this matter, and we sympathize with the difficulties you have experienced. On July 28, 2016, we received your original complaint filed with the Revdex.com. On August 5, 2016, we received a copy of your follow up complaint filed with the Revdex.com. However, we stand by the response conveyed to you in the previous letter we sent on August 3, 2016. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. On April 15, 2016, you contacted our customer service department to inquire about the credit bureau reporting for your account. You were transferred to the bankruptcy department, who informed you that the Bank would send a request to the credit reporting agencies to update the credit bureau reporting. Although this request was submitted to the credit reporting agencies, we are unable to dictate what information the credit reporting agencies will report. As noted in our prior correspondence, the mortgage loan was included in your Chapter 13 Bankruptcy filed on September 14, 2007. The Bank is not permitted to report payment information during the bankruptcy. Your bankruptcy was discharged in September 2012. Our review of the information provided to the credit reporting agencies determined the Bank did begin reporting your account information in 2013. However, [redacted] and [redacted] elected not to update the reporting for the account due to the bankruptcy and the time during which the reporting was suspended. As mentioned in our prior response, [redacted] is reporting your mortgage loan information. Please note, the Bank is unable to change the decision of [redacted] and [redacted] not to report your mortgage loan. If you would like to contact the credit reporting agencies directly, their contact information is provided below for your convenience: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### I hope this correspondence addresses any outstanding questions you may have had related to this issue. We truly value your business, and we look forward to continuing to serve your financial needs. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Prior Response

[redacted] Date: March 16, 2017 Account: [redacted] Regarding Your Fifth Third Bank Platinum [redacted] Dear [redacted] We received a copy of the follow up complaint you filed with the Revdex.com regarding the above mentioned credit card account. We appreciate the time you have taken to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced. We received your original complaint filed with the Revdex.com on February 15, 2017. We received your follow up complaint on March 5, 2017. Please find enclosed a copy of our previous letter mailed on February 28, 2017. I am sorry if the prior response did not resolve your concerns regarding this matter. On May 2, 2006, we received and approved your application for a Platinum [redacted]. The Bank is only required to keep transaction records for seven (7) years. Please find enclosed the last seven (7) years of statements for your credit card ending in [redacted]. In addition, we have provided a copy of your checking account statement dated October 12, 2013. Please note the $70.00 online payment made September 27, 2013, to your credit card ending in [redacted]. Upon receiving your follow up complaint, we contacted our Dispute Resolution Department who has opened an investigation. The case number is [redacted]. Upon completion of their investigation, the Dispute Resolution Department will notify you in writing of their findings. If you have questions involving their investigation, please contact the Dispute Resolution Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday, 8:30 a.m. to 5:00 p.m., ET. Please reference your case number when contacting the Disputes Resolution Department. Please note, upon completion of the investigation, the Dispute Resolution Department will update your credit reporting based on their findings. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosures: Prior Response Credit Card Statements October 12, 2013 checking account statement

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and would like to respond to the response from Shawna at Firth Third Bank. The note that was included with the 3 checks was of loose leaf size paper and all 3 checks were wrapped inside of the note so to say no one bothered to take the note out of the envelope is really covering up for a more serious problem within that department. They had to take the paper note out of the envelope and unwrap it in order to see all 3 checks. Also, my bank corrected the problem after I called them and made them aware. The duplicate payment clearly showed on my checking account statement and that is how I was made aware of the error. Fortunately, I did not send out checks to pay bills during this time or there would have been bounced checks. Again, Fifth Third needs to own it and not make excuses. 
Regards,
[redacted]

[redacted] Date: March 28, 2017 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. I also appreciated...

the time you took to speak with me. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. As we discussed, a replacement card for the credit card account ending in [redacted] was ordered and sent to you by overnight mail. The card retained by the Automated Teller Machine (ATM) has been destroyed. The fee for the rush replacement card was waived to provide a positive resolution to this situation for 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

We feel as though we have properly responded to the customer’s concerns. If the customer would like speak with someone at the Bank regarding this matter, we are certainly happy to speak with her. She can call me directly at the number provided in my previous responses to her (see below). We do regret the negative experience the customer has had with Fifth Third Bank’s Mortgage Department; however, we do not have any additional information to provide.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.  
 It does not mention that the previous late fees that needed to be waved were due to Fifth Third employees improperly filing my payments.  It also does not note that I was told by Fifth Third that I was bringing my loan up to date when I made the two payments.  This has nothing to do with me not having the money to pay the bill and everything with Fifth Third profiting on a complex system of paying a loan that I did not take out with their company.  I have spent many hours on this loan and filled out many papers to try to get them to set up an auto pay.  To date this still does not exist.  I will accept it when Fifth Third finally chooses to process my autopay.  They have had what they say is all the paperwork for over a week now.  
Regards,
[redacted]

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

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

[redacted] Date: August 8, 2016 Account: [redacted] Regarding Your Recent Visit at the [redacted] Banking Center Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

regarding your recent visit to the [redacted] Banking Center in [redacted], [redacted]. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning and I regret the difficulties you experienced. I have shared the information you brought to our attention with the management of the [redacted] Banking Center. We appreciate your feedback as it assists us in identifying problems and helps continuously improve the level of service we provide to our customers. However, I cannot inform you of specific internal correction actions that may be taken to resolve this matter. On July 26, 2016, you visited the [redacted] Banking Center and met with Kevin F., Personal Banker. During this visit, Mr. F. assisted you with the following transactions: ** Closed your Access 360 account ending in [redacted] because you never received your permanent account with your name on the card. A replacement card was issued, the replacement account number ends in [redacted]. ** Ordered a replacement debit card, because your account had been compromised. It should be noted, Mr. F. did close this account; however, you contacted our customer service department and requested the account to be re-opened the same day. ** Closed your checking account ending in [redacted]. ** Removed Overdraft Coverage from your checking account that ends in [redacted]. ** Opened a Goal Setter Savings Account. The account is open and ends in [redacted]. On July 27, 2016, you contacted the [redacted] Banking Center and met with Kamran M., Financial Center Manager. You indicated that you had requested the wrong checking account to be closed on July 26, 2016. Mr. M. was able to assist you in closing your checking account ending in [redacted], and to re-open your checking account ending in [redacted]. Mr. M. also contacted our Retail Operations department to ensure this transaction was processed and that your direct deposit would still post to the checking account ending in [redacted]. Our research determined that you received two (2) direct deposits on July 29, 2016, in your checking account ending in [redacted]. Our research was unable to determine any loss associated with your two (2) checking accounts. Please use this letter as verification that your checking account ending in [redacted] is closed, and the checking account ending in [redacted] remains open. We have also confirmed your debit card ending in [redacted] is connected to your checking account ending in [redacted] and your Goal Setter Savings account ending in [redacted]. Please note, Automated Teller Machine (ATM) withdrawals are not permitted with the Goal Setter Savings account; however, you are able to make ATM deposits into the Goal Setter Savings account. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. It was certainly not our intention to cause you any hardship or frustration. 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

[redacted] Date: May 9, 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 concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Enclosed for your review is a copy of the Rules and Regulations applicable to your account. Pages eleven (11) through thirteen (13) explain how Fifth Third Bank processes transactions and overdrafts. Per the Rules and Regulations, transactions are processed in the following order: ** Add in credits and deposits per our Funds Availability Policy ** Deduct time stamped debits, such as Automated Teller Machine (ATM) withdrawals and debit card transactions, in the order they were authorized ** Deduct batch debits during overnight processing, such as checks, Automated Clearing House (ACH) items, and bill payments, in order of the largest amount to the smallest amount ** Deduct Bank fees and service charges The Rules and Regulations provide additional examples of the transaction types. The beginning balance in your checking account on May 2, 2017, was $260.04. Two (2) transactions totaling $356.04 posted to your account that day. Both transactions were bill payments, which are batch debits. Therefore, they were processed from the largest dollar amount to the smallest dollar amount per the Rules and Regulations. As a result, one (1) $37.00 overdraft fee for the $96.82 item posted to the account the next business day. The ending balance in your checking account on May 2, 2017, was negative ($96.00). On May 3, 2017, an $83.00 bill payment posted to your account in addition to the $37.00 overdraft fee from the previous day. The ending balance in your checking account on May 3, 2017, was negative ($216.00). We assessed a $37.00 overdraft fee the next business day. I confirmed that the transactions processed to your account in accordance with the Rules and Regulations. You mentioned that you did not sign up for Overdraft Protection. I verified that you do not have Overdraft Protection for your checking account. Overdraft Protection is a service offered by the Bank that links a checking, savings, credit card, or eligible loan to your checking account. In the event of an overdraft, the Bank will automatically transfer funds from the linked account to cover the end of day negative balance. There is a $12.00 fee per transfer. You must have sufficient funds in your Linked Account to cover the overdraft item(s) plus the $12.00 transfer fee. If you do not have sufficient funds, payments may be returned as a result. If there are insufficient funds available in your Linked Account to cover the full negative balance plus the $12.00 Overdraft Protection transfer fee, we will attempt to transfer enough to cover at least one (1) item plus the Overdraft Protection transfer fee amount - starting with the last debit considered in the Overdraft Calculation Order. Pages three (3) and fourteen (14) of the Rules and Regulations provide additional information about Overdraft Protection. What you are referencing that would prevent overdraft situations is Overdraft Coverage, which applies to one-time debit card transactions only. I verified that you are opted out of Overdraft Coverage. Overdraft Coverage allows a one-time debit card and/or ATM transaction to cause the account to become overdrawn if there are not enough funds available at the time of the transaction. Because you are opted out of Overdraft Coverage, the Bank will decline an ATM or one-time debit card transaction if there are insufficient funds at the time of the transaction. As a result, no fee will be assessed. Please be aware that declining Overdraft Coverage does not prevent batch debit items, such as ACH transactions, checks, and bill payments, from posting to your account. Opting out of Overdraft Coverage also does not apply to recurring debit card transactions. Additional information regarding Overdraft Coverage is listed on page thirteen (13) of the Rules and Regulations. We previously reversed one (1) $25.00 overdraft fee from the account on January 11, 2017, as a courtesy. In the interest of customer service, we waived an additional $37.00 overdraft fee on May 4, 2017. We are unable to waive additional overdraft fees at this time. I am sorry for any distress this may cause you. Of the two (2) $37.00 overdraft fees that were recently assessed, you have only paid for one (1) due to the additional fee waiver. You mentioned that you transferred money to the account to cover the transactions. A transfer or deposit to the account cannot prevent an already assessed overdraft fee if it is not completed by the cut-off time on the same business day by the transaction was presented for payment resulting in the overdraft. I confirmed that you transferred $100.00 to the checking account on May 4, 2017, the day after the account was overdrawn. The beginning balance in your account that day was negative ($216.00). The transfer increased the balance to negative ($116.00). The $37.00 overdraft fee from May 3, 2017, also posted that day, which decreased the balance to negative ($153.00). However, due to the $37.00 fee waiver, the balance increased back to negative ($116.00). As of May 4, 2017, the balance in your checking account is negative ($116.00). I attempted to contact you two (2) times on May 5, 2017, using the phone number you provided to the Revdex.com so that we could go over the account. Unfortunately, I received a message each time that stated the call could not be completed. If you would like to connect your savings account to the checking account for Overdraft Protection, please contact our Customer Service Department 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. 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, Overdraft Notices (2)

[redacted] Date: September 28, 2015 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, regarding your...

checking account. Thank you for taking the time to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that our senior and executive management teams review customer concerns as part of our ongoing commitment to improving our customers’ satisfaction. Our research determined that your checking account was charged off as an uncollected debt on January 3, 2013. I have enclosed copies of all your checking account statements and overdraft notices for your checking account. Please note, on December 13, 2013, the Bank sold your debt to TMT Management Group. Fifth Third Bank has been notified that Precise Financial Group is managing accounts sold to TMT Management Group. You can ask them to provide validation of your debt by contacting Precise Financial Group at 888-314-3633. We appreciate your patience while we researched this matter. If I can 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, Patrick S. Office of the President PC: Revdex.com Enclosure: Statements and Overdraft Notices

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]
Car title and letter of apology received on Friday 23 June 2017. Thank you, Revdex.com!

[redacted] Date: July 10, 2015 Account: [redacted] Regarding Your Revdex.com Complaint Dear [redacted]: Thank you for your follow-up correspondence to the Bank concerning your recent attempts to withdraw cash from an Automated Teller Machine (ATM). We appreciate the time you have taken to express further your concerns regarding this matter. On April 11, 2015, you contacted Fifth Third Bank and filed disputes for two ATM transactions. We began an investigation and on April 13, 2015, your checking account was given provisional credit, which totaled $80.00 while we researched your disputes. The provisional credit was available for use in your account while we conducted our investigation. As mentioned in our previous responses, our research determined that the balancing records of the related ATM terminal did not support the conclusion that the funds were not dispensed. The ATM in question balanced between April 10, 2015 and May 10, 2015. Due to this reason, the Bank denied your disputes and reversed the provisional credit of $80.00 from your checking account on May 19, 2015. In the interest of customer service, and to provide you a more favorable resolution, the Bank has adjusted our position on this matter. On July 10, 2015, a credit adjustment for $80.00 was processed into your checking account. 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 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 Enclosures: Prior Responses

[redacted] Date: December 7, 2015 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding the...

final payoff amount for your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning. On behalf of the Bank, I would like to offer my sincere apologies for any inconvenience this matter may have caused you. Please be assured that we have researched this matter thoroughly, and we have passed on your concerns to the relevant parties within the Bank. I also want you to know that our senior and executive management teams review customer concerns as part of our ongoing commitment to improving our customers’ satisfaction. On July 28, 2009, you agreed to a seventy-two (72) month installment loan for $12,016.55 with a maturity date of August 1, 2015. Your payment of $192.76 is due on the first (1st) of every month. Enclosed please find a copy of your installment loan security agreement which details the terms of the loan. Please note your installment loan is a simple interest loan, with interest accruing daily on unpaid principal. When we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last payment. Then we apply the remaining funds to the unpaid principal balance. Your payment habits affect the amount of interest you pay over the life of the loan. If payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of your loan. Because less of your payments were applied to the principal balance, there may be a larger final payment due to additional accrued interest. In our previous response, we provided you with your installment loan payment history. As we discussed in our phone conversation, December 2, 2015, I did not provide you with another copy of this payment history. The payment history reflects a variance for principal and interest paid each month depending on the payment date. After cancelling your Auto BillPayer enrollment in January 2012, the Bank automatically ordered a coupon book for your installment loan. The coupon book was mailed on January 17, 2012. As we discussed in our phone conversation December 2, 2015, the coupon book was mailed to the address on file. Unfortunately, you had moved and we did not receive an updated address until March 2012. A second coupon book was mailed in March 2012, which you stated you did receive. The Bank automatically sends out a final bill during the month prior to the maturity date. I have enclosed a copy of the notice mailed to you on July 7, 2015. Once we have received the final payment for an installment loan, the lien for the vehicle will be released within ten to fifteen (10-15) business days. Your installment loan has a fifteen (15) day grace period. The grace period does not extend your due date. The grace period allows you fifteen (15) days after the due date to make your payment in order to avoid late fees. Please note, page 2 item 6, titled Late Charge, which states you agree to pay a late charge if the payment is not received within fifteen (15) days from the due date. The late charge will be 10% of the payment, which is not paid in full, or $20.00, whichever is greater. As of November 27, 2015, you have $69.33 in late fees due on this installment loan. Below, is a payment breakdown of the received payments for this installment loan. The payment breakdown shows the seventy-two (72) monthly payments necessary to satisfy the loan. This table shows the late charges assessed to your installment loan. If you have any questions after reviewing this breakdown, please contact me at the phone number found at the end of this response. Due Date Late Due Date Late Pymt Date Paid Fee Pymt Date Paid Fee 1 9/1/2009 8/25/2009 $0.00 37 9/1/2012 10/15/2012 $20.00 2 10/1/2009 10/13/2009 $0.00 38 10/1/2012 11/15/2012 $0.00 3 11/1/2009 10/26/2009 $0.00 39 11/1/2012 12/14/2012 $0.00 4 12/1/2009 11/30/2009 $0.00 40 12/1/2012 12/14/2012 $0.00 5 1/1/2010 12/7/2009 $0.00 41 1/1/2013 2/4/2013 $20.00 6 2/1/2010 2/3/2010 $0.00 42 2/1/2013 2/13/2013 $0.00 7 *3/1/2010 4/23/2010 $20.00 43 3/1/2013 3/18/2013 $20.00 8 4/1/2010 4/23/2010 $20.00 44 4/1/2013 3/25/2013 $0.00 9 5/1/2010 6/1/2010 $20.00 45 5/1/2013 4/25/2013 $0.00 10 6/1/2010 7/1/2010 $20.00 46 6/1/2013 5/28/2013 $0.00 11 7/1/2010 8/2/2010 $20.00 47 7/1/2013 6/5/2013 $0.00 12 8/1/2010 9/1/2010 $20.00 48 8/1/2013 7/3/2013 $0.00 13 9/1/2010 10/1/2010 $20.00 49 9/1/2013 8/26/2013 $0.00 14 10/1/2010 11/1/2010 $20.00 50 10/1/2013 9/16/2013 $0.00 15 11/1/2010 12/1/2010 $20.00 51 11/1/2013 10/10/2013 $0.00 16 12/1/2010 1/3/2011 $20.00 52 12/1/2013 11/13/2013 $0.00 17 1/1/2011 2/1/2011 $20.00 53 1/1/2014 12/31/2013 $0.00 18 2/1/2011 3/1/2011 $20.00 54 2/1/2014 2/14/2014 $0.00 19 3/1/2011 4/1/2011 $20.00 55 3/1/2014 3/12/2014 $0.00 20 4/1/2011 4/29/2011 $20.00 56 4/1/2014 4/7/2014 $0.00 Due Date Late Due Date Late Pymt Date Paid Fee Pymt Date Paid Fee 21 **5/1/2011 6/1/2011 $20.00 57 5/1/2014 5/16/2014 $0.00 22 6/1/2011 7/1/2011 $20.00 58 6/1/2014 6/10/2014 $0.00 23 7/1/2011 8/1/2011 $20.00 59 7/1/2014 7/15/2014 $0.00 24 8/1/2011 9/1/2011 $20.00 60 8/1/2014 8/12/2014 $0.00 25 9/1/2011 9/30/2011 $20.00 61 9/1/2014 9/15/2014 $0.00 26 [redacted]10/1/2011 11/1/2011 $20.00 62 10/1/2014 10/6/2014 $0.00 27 11/1/2011 12/1/2011 $20.00 63 11/1/2014 11/12/2014 $0.00 28 12/1/2011 12/30/2011 $20.00 64 12/1/2014 12/11/2014 $0.00 29 +1/1/2012 3/7/2012 $20.00 65 1/1/2015 2/3/2015 $20.00 30 2/1/2012 3/7/2012 $20.00 66 2/1/2015 2/3/2015 $0.00 31 3/1/2012 3/7/2012 $0.00 67 3/1/2015 3/16/2015 $0.00 32 ++4/1/2012 3/21/2012 $0.00 68 4/1/2015 4/13/2015 $0.00 33 +++5/1/2012 6/15/2012 $0.00 69 5/1/2015 5/11/2015 $0.00 34 6/1/2012 7/16/2012 $0.00 70 6/1/2015 6/8/2015 $0.00 35 7/1/2012 8/17/2012 $0.00 71 7/1/2015 7/13/2015 $0.00 36 8/1/2012 9/18/2012 $20.00 72 [redacted]8/1/2015 $69.33 *Payment made on 03-30- 10, was received but returned as Insufficient Funds or Account Closed ** No payment received in May 2011. [redacted] No payment received in October 2011. + No payment received in Jan 2012, and Feb 2012 ++ Payment on March 15, 2012, was returned due to Insufficient Funds +++ Payment made on May 11, 2012 did not satisfy a full payment. [redacted]Late charge is 10% of balance due or $20.00 whichever is greater. This charge was waived on November 30, 2015 The remaining balance as of December 2, 2015, is $393.14. You may make a payment at any local Fifth Third Bank banking center, or you may mail a check or money order for the final payoff to the following address. Fifth Third Bank Installment Loan Payoffs MD 1MCO2J 5050 Kingsley Drive Cincinnati, OH 45263-9998 The payoff amount of $393.14 includes: ? Principal amount: $ 393.14 ? Interest Balance: $ 0.00 ? Total fees due: $ 0.00 It was certainly not our intention to cause you any hardship. Upon reviewing your payment issues, our research determined no bank error in how your payments have been processed. Therefore, we are unwilling to waive any late charges, or provide you with any additional compensation. I am sorry for any frustration this may cause you. Thank you for your patience while waiting for a response. You are a valued customer, and we hope you will consider using Fifth Third Bank for your financial needs in the future. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President Pc: Revdex.com Enclosures (2): Payment history and Note

[redacted] Date: February 10, 2017 Account: [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. On...

behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that Fifth Third Bank takes your feedback seriously and I appreciate this opportunity to respond to your concerns. We are continually working to ensure the funds from your deposits are available in a timely manner. When you agreed to the Bank’s Digital Services User Agreement, which includes the terms and conditions for Mobile Deposit, you received information that explains cut-off times and the availability of funds deposited into your account. This document is also available on 53.com. I have enclosed a copy for your convenience. On page seven (7), it provides information regarding Mobile Deposits made using the “Immediate Funds” service. ** The cutoff time for Mobile Deposits is 8:00 p.m. Eastern Time (ET). ** Mobile Deposits made using the “Immediate Funds” service before 8:00 p.m. ET are immediately available to make purchases, withdrawals, and cover any pending items that may post to your account that evening, such as utility or other electronic payments. ** Mobile Deposits made using the “Immediate Funds” service between 8:00 p.m. and 9:00 p.m. ET are immediately available to make purchases, withdrawals, and cover any items that may post to your account that business day, such as utility or other electronic payments. The deposit transaction will reflect on your account statement as occurring on the following business day ** Mobile Deposits made using the “Immediate Funds” service after 9:00 p.m. ET, funds are immediately available to make purchases and withdrawals; however, the funds deposited will not be available to cover any items that may post to your account that business day, such as utility or other electronic payments. The deposit transaction will reflect on your account statement as occurring on the following business day. Customers may also refer to the cutoff times and funds availability details located within the deposit section of the mobile app. Overdraft fees post to your account the day after the account activity that caused them. Making a deposit the day after an overdraft occurrence will not prevent already assessed fees from posting. The ending balance in the checking account on February 1, 2017, was negative ($79.12). Two (2) overdraft fees totaling $74.00 were charged to your checking account on February 2, 2017, for the debits that posted on February 1, 2017. On February 2, 2017, you made a Mobile Deposit for $130.00 at 11:43 p.m. Because it was after the cutoff times (above), it posted to your account on February 3, 2017. The ending balance on February 2, 2016, was negative ($1,173.04) and two (2) additional overdraft fees totaling $74.00 were charged to the account on February 3, 2017. I have enclosed copies of the overdraft notices for these days, which provide more information. It is not our intention to cause you any hardship and I regret the difficulties you have encountered regarding your account. We are unwilling to waive the fee of $2.60 that was assessed for the “Immediate Funds” option on the Mobile Deposit. In the interest of customer service, we reversed $74.00 in overdraft fees on February 3, 2017, to provide a more positive resolution to your concerns. You are a valued customer and we look forward to serving your future financial needs. If I could be of further assistance to you, please 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 Enclosures