PROCORPSA

[redacted] Date: April 20, 2016 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted] and [redacted]: We received a copy of the complaint you filed with...

the Revdex.com regarding the force placed insurance on your installment loan. We appreciate the time you have taken to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced. Pease find enclosed copies of your loan closing documents stating your requirement to provide proof of insurance to the Bank. Failure to provide proof of insurance, forces the Bank to purchase insurance on the collateral. According to the Security Agreement and the Agreement to Furnish Insurance documents, the Buyer agrees to pay to Seller any earned premium for any policy that may have to place for the vehicle in accordance with repayment procedures. Our records indicated that the insurance policy on your [redacted] was cancelled on January 19, 2016. As indicated on your enclosed loan contract, you must maintain insurance as long as there is an unpaid balance on your loan. The Bank notified you three (3) times requesting proof of insurance for your vehicle. I have enclosed all three letters mailed to the address the Bank had on file for your account, [redacted], [redacted], [redacted]. Please use these notices as verification the Bank did contact you about providing proof of insurance to the Bank. It should be noted, you were provided five (5) options on how to update your insurance information with the Bank. Please note, on April 11, 2016, you notified the Bank of a change of address. We have updated your permanent and mailing address to [redacted], [redacted]. On April 7, 2016, when the Bank force placed insurance on the vehicle, a new coupon book notating your new payment was also mailed to your [redacted] address. The Bank has received your insurance information and the Bank cancelled our force placed insurance policy. A new coupon book was ordered on April 18, 2016. This coupon book indicates your monthly payment has been reduced to your regular payment amount. Please use this letter as verification that your next payment of $563.03 is due April 23, 2016. 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. [redacted] Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosures: Proof of Insurance Letters, Loan Documents

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] As I stated in my original complaint, I was never able to open the web siteto gain access to by business account. Fifth Third made no attempt to contact me in any way for over a month. I was also promised at least a partial refund and have never seen it. Fifth Third should be ashamed at charging accumulated fees for over a month and clearly able to see over $40,000 in the connected business account. You have abused your power without anyconsideration to customer service.

[redacted] Date: January 25, 2016 Account: [redacted] Regarding Your Fifth Third Bank Relationship Savings Account Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau, concerning an online payment from your savings account. We appreciate the time you have taken to express your concerns regarding this matter. Your comments expressing less than quality customer service are very concerning. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. We sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to us. Feedback like yours helps us identify problems and improve the level of service we provide to our customers. On April 18, 2006, you opened a Minor-Owned savings account with you listed as the custodian, and your son [redacted], listed as the minor-owner. On June 26, 2012, this account was converted to a Fifth Third Bank Relationship Savings account, with the same ownership. In researching your concerns, we determined you accessed your Fifth Third internet banking on January 9, 2015. At that time, you initiated a $150.00 payment to your ** [redacted] account ending in [redacted]. For your records, we have enclosed a copy of the payment details. The one time immediate payment was scheduled for January 12, 2015. When making a payment online, the “paid from” drop down box allows customers the ability to choose which Fifth Third account they would like to make the online payment from. As the custodian on the account ending in [redacted], you are authorized to select this account as the paying account. It was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matter. You are a valued customer and we hope you will allow us to serve your financial needs in the future. If I could be of further assistance to you please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Payment Details

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: December 18, 2015 Account: [redacted] Regarding Your Recent Correspondence Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com concerning the Essential...

Checking account ending in [redacted] which was previously open with Fifth Third Bank. Please be assured that the Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. Please be assured that we have researched the issue surrounding the payments you have made to collection vendors after your Essential Checking account charged off with Fifth Third Bank October 21, 2014. I have verified that [redacted] is the Bank's initial collection vendor, but accounts may be sold to [redacted] for further collection. We deeply regret the inconvenience you have experienced attempting to repay this debt, and have reached out to [redacted] in an attempt to assist you. The [redacted] representative I spoke with verified that a payment of $170.79 was made May 27, 2015, a letter verifying that this payment was made is enclosed with this correspondence. If further discussion is needed with [redacted] on this matter, please reach out to them toll free at [redacted], Monday through Friday, 9 a.m. to 5 p.m., CT. You may also write to them at: [redacted] 
[redacted], I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. An additional copy of this letter has been forwarded to [redacted] 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, Sarah S. Office of the President Enclosure: Confirmation of payment to [redacted]

[redacted] Date: November 5, 2015 Regarding Your Fifth Third Bank Accounts Dear [redacted]: We received a copy of the complaint you filed with the [redacted], the...

Revdex.com, and the [redacted]. 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. Please be assured we have researched your concerns and passed them on to the relevant parties within the Bank. Customer concerns are also reviewed by our executive management as part of our ongoing commitment to improving our customers’ satisfaction. An account owner may submit a request to close their Access 360° Reloadable Prepaid Card either by telephone or in person; however, the customer must first bring the card balance to $0.00. Your personal Access 360° Reloadable Prepaid Card ending in 1449 was closed on October 22, 2015. All Business Checking accounts are charged a $50.00 fee to close the account regardless of how long they have been open. This information is disclosed in our Rules and Regulations handbook and our policy is to provide all new account holders with a copy of this handbook at account opening. We regret if you received conflicting information regarding this matter. In order to provide you with a more positive resolution to your concerns, we have waived the $50.00 fee and closed the checking account ending in 5049 at a zero balance. The active Enhanced Debit cards had already been blocked from use per your request. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration these matters may have caused you. You were a valued customer and we hope that you will consider us to serve your future financial needs. 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, Alison S. Office of the President

[redacted] Date: April 25, 2016 Regarding Your Mortgage Loan Application Dear [redacted]: We received a copy of your continued complaint submitted to the Revdex.com concerning the origination process associated with your recent mortgage loan application. Please be assured that Fifth Third Bank appreciates the time you have taken to further communicate with the Bank regarding this matter. We sincerely regret any miscommunication that may have occurred when reviewing our previous response; however no credit inquires were agreed to be removed. Please be assured that upon review of your credit report dated November 27, 2015, the prequalification from June 25, 2015 was not present, as it had aged off. I have included copies of our previous communication surrounding this for your records. As stated previously, regarding your request for a reimbursement of the application, appraisal, and other associated fees paid during the course of the mortgage loan application process, as well as fees paid to another lender associated with a new mortgage loan application, we are unable to fulfill this request due to no bank error having been found associated with this issue. Please be advised, this matter is considered closed by the Bank. 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, Sarah S.Office of the President Pc: Revdex.com Enclosures: Previous Response

[redacted] Date: June 8, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding your checking...

account ending in [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. We are very sorry if our attempts to explain the Overdraft Coverage policy during your telephone calls with our Consumer Contact Center did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter may have caused you. We strive to offer our customers products that are convenient and beneficial while remaining competitive within the industry. Some checking accounts have the Overdraft Coverage option, which allows a customer to complete a one-time debit card transaction or Automated Teller Machine (ATM) withdrawal even if there are insufficient available funds in the account to cover the full amount of the transaction. Our records indicate that you declined Overdraft Coverage for ATM transactions and one-time debit card transactions on January 23, 2014. A letter confirming your decline of Overdraft Coverage was mailed to you at the address on file at that time. For your records, I have included a copy of this letter. Therefore, any debit card purchases and ATM withdrawals are declined when there is not enough money in your account, and as a result, will not be charged an overdraft fee for these types of transactions. However, Overdraft Coverage for checks and Automated Clearing House (ACH) electronic payments comes standard to your checking account. If there are insufficient funds in your account when these types of transactions are processed, your checks and electronic payments may be returned unpaid, and are still subject to overdraft fees. Electronic payments do not show as pending against the account during the day because they are not preauthorized like debit card transactions. Because checks and electronic payments do not have a preauthorized timestamp, these types of transactions are processed at the end of the business day. You do have the option of turning off Overdraft Coverage for checks and ACH payments, which will cause these items to be unpaid and automatically returned from your account the next business day. However, although these items will not be paid, your account will be assessed a $37.00 returned item fee for each payment. On May 2, 2016, the balance in your checking account was $43.51. Four (4) items totaling $138.72 posted to the account that day, creating an ending balance of negative ($95.21). Due to non-sufficient funds, one (1) overdraft fee of $37.00 was assessed for the ACH payment to [redacted] and posted the following business day. The ending balance was negative ($132.21). An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fees assessed. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. Our records show that on April 13, 2016, a total of $50.00 in overdraft fees were waived. In the interest of customer service, we waived an additional $24.00 in overdraft fees on June 6, 2016. However, we are not willing to reverse the entire amount of overdraft fees assessed as you have requested. You have the ability to cancel ACH payments with the payees involved or place a stop payment for each transaction. When requesting a stop payment, we require the exact details of the outstanding ACH transaction including the date, the payee involved, and the payment amount at least three (3) business days or more before the payment is scheduled. If you request stop payments less than three (3) business days prior to the scheduled date, then those stop payments may not prevent the ACH transactions from posting on your account and causing fees. If the transaction from [redacted] for $105.65 was unauthorized or fraudulent, please contact our Dispute Department in order to file a dispute claim. The Disputes Department can be reached toll-free at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. To prevent an overdraft situation, you have the ability to review your account at an ATM, on our website at 53.com, or by calling our Customer Service Department at ###-###-####. If the account becomes overdrawn, we also send you an overdraft notice that includes a detailed breakdown of the day’s transactions. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions. This guide provides additional information related to the overdraft fees that we assessed to your account. We also offer ways to track your balance and manage accounts to help avoid overdraft fees on your accounts in the future. We sincerely hope this information will help you understand the Bank’s position going forward and resolve your 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, Elizabeth J.Office of the President Enclosures: Overdraft Coverage Notice and Overdraft Solutions

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 response by the busines states in relevant part: "the Bank did not offer a promotion for cardholders to earn 8,000 reward points for spending $500.00 on their Real Life Reward [redacted] by March 31, 2015." This statement is patently false, as I have a copy of the original promotional mail to prove otherwise (attached herein as a pdf file). Furthermore, when I contacted Fifth Third Bank via phone on or around mid-June of this year, the representative acknowledged that the bank had, indeed, offer the aforementioned promotion, and asked me to wait a couple more months at most for the reward points to be applied to my account.It is patently dishonest and outrageous for the Bank to deny having offered the above-referenced promotion. Again, I have attached herein the evidence of the Bank's promotional offer.
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.   
[They are sending the documents they sent me and I can send my insurance information that shows I had insurance. The issue at stake is that the address they have for insurance companies has changed and insurance companies don' know, they tried doing the same thing this year but I called on time and was explained that the issue was not that I didn't have or it wasn't sent by my insurance but the address they had listed was changed and that caused the issue to begin with and ended up costing me hundreds of dollars. Regards,
[redacted]

[redacted] Date: May 24, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com concerning your installment loan. We appreciate the opportunity to respond to this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the response conveyed to you in our previous letter sent to the above address on May 16, 2016. Our position on these matters has not changed. For further clarification, this is a simple interest loan and the account activity included the following: ** On February 21, 2016, the loan was funded in the amount of $19,937.13. ** The payment we received on April 4, 2016, in the amount of $334.03 was applied to the loan as follows: $186.71 to the principal balance and $147.32 to the interest. After this payment was applied to the account, the remaining principal balance for the account was $19,750.42. ** The payment we received on April 6, 2016, via Auto BillPayer was reversed from the account on April 12, 2016. Once this transaction was reversed from the account andreturned to you, the remaining principal balance for the account was $19,750.42. ** The payment we received on April 13, 2016, in the amount of $19,466.60 was applied to the principal balance of the account, with an effective date of April 12, 2016. The remaining principal balance of the account was $283.82. ** On May 6, 2016, the final payoff in the amount of $311.71 was processed by Auto BillPayer, and applied to the loan as follows: $283.82 to the principal balance and $27.89 to the interest. Per your previous conversations with the Bank, this payment was backdated to an effective date of April 12, 2016. As you mentioned in your complaint, a refund check in the amount of $0.74 was sent to you as a result of the backdated payoff. The chart below also explains the account activity. Principal Date Total Balance Effective Description Amount Principal Interest After 4/12/2016 Payoff $311.71 $283.82 $27.89 4/12/2016 Payment $19,466.60 $283.82 4/6/2016 Payment Reversal $334.03 $327.24 $6.79 $19,750.42 4/6/2016 Auto BillPayer $334.03 $327.24 $6.79 $19,423.18 Payment 4/4/2016 Payment via 53.com $334.03 $186.71 $147.32 $19,750.42 2/21/2016 Loan Funding $19,937.13 $19,937.13 Our review of the account determined there was no overpayment made. Because there was no overpayment, we are unable to accommodate your request for a refund. I apologize for any further frustration this may cause you. 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

I was able to automate my payments. You were incorrect and unhelpful to say this could not be set up. The phone numbers you gave me were helpful though. We can close this.

[redacted] Date: January 30, 2016 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the follow up 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 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. Please be aware that the Bank processes installment loan payments as soon as we receive them. In regards to your statement that the Bank has taken an excessive amount of time to process your loan payments, our review of the payment history does not show any evidence of this. If you have specific documentation or examples where we have held a payment for any length of time after the payment was received, please provide details of this and we will investigate and make any necessary corrections. Please send the requested information to the address or fax number contained in this letter. Being told by representatives of the Bank that it can take three (3) to five (5) business days for a payment to post to your loan is not inaccurate. From the time that a payment is mailed to the Bank to when the payment is received and processed, would typically be about three (3) to five (5) business days. Additionally, after a payment is received and processed by the Bank, it is reflected in our systems and is able to be seen by a representative of the Bank upon reviewing the payment history on the account. As was stated in my previous response to you on January 13, 2016, if you have documentation showing that any late payment received by the Bank was received before the loan was past due for payment, please send it to us and we can determine if the negative information that was reported to the credit reporting agencies can be corrected. Please send the requested documentation by mail to the following address: Fifth Third Bank Attn: Adam P. Office of the President 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. [redacted], we strive to provide professional and accurate service to all of our customers, 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 PC: Revdex.com

[redacted] Date: March 14, 2018 Account: [redacted] Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We...

appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please also accept my sincere apologies for the level of service you received when you previously contacted the Bank regarding this matter. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your letter, I forwarded your concerns to the relevant parties at 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. However, I cannot inform you of any specific internal actions that may be taken. When you previously contacted our Disputes Resolution Department regarding the $117.86 charge on your checking account ending in [redacted], case number [redacted] was opened. On February 8, 2018, our Disputes Resolution Department finalized their case. The case was declined and the temporary credit of $117.86 that was credited to your account was reversed on February 8, 2018. The claim was declined because the merchant provided sufficient evidence validating the charge. On February 8, 2018, our Disputes Resolution Department sent a letter explaining this to you. A copy of the letter dated February 8, 2018, is enclosed for your review and convenience. I have also enclosed copies of the documentation from the merchant validating the charge. According to our research into this matter, it was determined that our Disputes Resolution Department appropriately denied your dispute claim. I have contacted our Disputes Resolution Department to determine if your dispute claim can be re-asserted. Your dispute claim could only be re-asserted if you provide our Disputes Resolution Department with proof that the charge in question resulted from identity theft, such as a copy of an identity theft claim filed with a police department. During our telephone conversation on February 12, 2018, you explained that the charge in question was not the result of identity theft. More specifically, you explained that you suspect an individual whom you know conducted the transaction. Please understand that it is our sincere desire to assist you; however, the merchant properly verified the disputed charge. Unless the charge were the result of identity theft, supported by documentation from you verifying that you are the victim of identity theft, the Bank does not have any further rights to dispute the charge on your behalf. Since the merchant verified the charge, and since the charge did not result from identity theft, your only recourse is to seek restitution from the individual you suspect initiated the transaction. [redacted], you are a valued customer of the Bank 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, Adam P.Office of the President PC: Revdex.com Enclosures (2): Letter Dated February 8, 2018 Merchant Documents

[redacted] Date: November 17, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com regarding your mortgage...

loan. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere accept my sincere sympathies for the experience you have recently endured, as well as my apologies for any inconvenience this matter may have caused you. We have researched the issue surrounding the difficulties you experienced when attempting to accept the offer of a forbearance on your loan associated with your home being located within a Federal Emergency Management Area (FEMA) disaster area. As we discussed when we spoke on November 10, 2017, I have confirmed that the forbearance is in place, and regret the error that caused the delay in this processing. Per your request I have confirmed that this loan was not reported late to the credit reporting agencies associated with this matter. Concerning your request for details surrounding how the payments will be handled when the forbearance is complete; I have verified that the three deferred payments, plus the January payment, will be due on January 1, 2018. You may discuss this, or find out what other options may be available to you by reaching out to the dedicated phone line for those affected by Hurricane Irma or Hurricane Harvey at ###-###-####, Option 2, Monday through Friday, 8 a.m. to 7 p.m., ET. Alternatively, you may contact me with the information below and I will be happy to find out what other options may be available at that time. Additionally, your comments expressing less than quality service you received when attempting to obtain this information are very concerning. At Fifth Third Bank we strive to provide an exceptional experience to our customers with each interaction, and we are dedicated to assisting our customers at this time. I appreciate you taking the time to talk to me regarding the information above and I want you to know that customer feedback of this nature is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. Mr. [redacted], I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah Starkey 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]

[redacted] McGovern [redacted] [redacted] Date: March 11, 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 the level of service you received from our Customer Service Department. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an experience to our customers. After receiving your letter, I forwarded your concerns to the relevant parties in our Customer Service Department who thoroughly researched this matter. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. However, I cannot inform you of any specific internal actions that may be taken. Please also accept my sincere apologies if you do not find our website convenient and easy to use. The Bank has designed our installment loan payment system website with the intention of providing our customers with a convenient and easy way to make their payments. We regret if this has not been your experience. As I explained during our telephone conversation on March 9, 2016, there has been no negative credit reporting of your account. Although your loan payment is considered late if the full payment amount of $238.65 is not received by the payment due date on the fourth day of each month, late payments are not reported to the credit reporting agencies if the payment is received within thirty (30) days of the due date. I have confirmed that there has been no negative credit reporting of your account. Also during our telephone conversation, and as you told me you are already aware, there have been a total of three (3) late payment fees assessed to the account since the account has been open. In the interest of customer service, and because we value you as a customer of the Bank, each of these late payment fees have been reversed. Also during our telephone conversation March 9, 2016, you stated that the issues you have experienced making your loan payments through our website have now been resolved. If you have any issues in the future, please contact me directly at the telephone number listed in this letter and I will be happy to assist you. I also want to take this opportunity to let you know of an alternative method of making your loan payments. It is a service called Auto BillPayer. Auto BillPayer will automatically transfer monthly payments from a non-Fifth Third checking account to your installment at no additional cost, which is less than the cost of a postage stamp. 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. Alternatively, you can call me directly. [redacted], thank you for your patience while we researched this matter for you. You are a valued customer, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please 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

[redacted] Date: December 2, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your installment 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 any frustration you experienced regarding this matter. On August 31, 2006, you agreed to a three hundred (300) month equity line of credit secured by the property located at [redacted] in [redacted], [redacted]. The loan amount you agreed to was $68,500.00 with an interest rate of 9.8%. As listed on the enclosed loan contract, making the $615.33 monthly payment on time each month for the entirety of the loan term would result in funds paid totaling $184,599.00 for the loan. The loan was scheduled to mature in 2031. On September 19, 2011, you agreed to a loan modification, which altered the repayment terms and resulted in a lower monthly payment. The interest rate was reduced to 5% for the first twenty-four (24) months after the modification booked on September 21, 2011. Then, on August 21, 2013, the interest rate would increase to a fixed interest rate of 7.5% for the remaining term of the loan. Additionally, the modification extended the maturity date to April 21, 2033. A copy of the signed modification agreement is enclosed for your reference. Also enclosed is a copy of the payment history for the loan. You contacted our Collection Department on August 22, 2016, and advised that the loan payments had only been posting to interest and not to principal. We determined an error occurred when we booked the 2011 modification. The interest rate was adjusted correctly to 5% in September 2011. When the interest rate should have increased to 7.5% on August 21, 2013, it was increased to 9.8% in error. As a result, the payments were not sufficient to pay off the accruing interest and pay down the principal balance as well. I am very sorry for the error that occurred on your loan. After discovering the error, we completed an amortization schedule for your loan using the correct interest rates to determine what the principal balance should be. An amortization schedule shows what the principal balance of a loan should be based on the interest rate and scheduled monthly payments. We first (1st) calculated an amortization of what the principal balance would be as of August 1, 2016, with the incorrect interest rate of 9.8%. We started with the actual principal balance of your loan of $64,834.49 as of August 26, 2011. The amortization began on September 1, 2011, at a 5% interest rate and then we increased the interest rate to 9.8% effective September 1, 2013. We determined that at the incorrect interest rate, the principal balance of the loan would have been $61,473.48 on August 1, 2016. We then calculated an amortization of what the principal balance would be as of August 1, 2016, with the correct interest rate of 7.5%. We started with the actual principal balance of your loan of $64,834.49 as of August 26, 2011. The amortization began on September 1, 2011, at a 5% interest rate and then we increased the interest rate to 7.5% effective September 1, 2013. We determined that at the correct interest rate, the principal balance would have been $56,738.90. We determined that the difference between the $61,473.48 and $56,738.90 was $4,734.58. This is the amount needed to reduce the principal balance to the correct amount per the correct interest rate. To be sure your account was not under-credited, we added an additional $130.00 to the $4,734.58. As a result, a total credit of $4,864.58 was applied to the principal balance of your loan on September 28, 2016, with an effective date of September 16, 2016. The actual principal balance of the loan at that time was $60,996.29. The credit reduced the principal balance owed to $56,131.71. The interest rate was reduced from 9.8% to 7.5% effective for September 16, 2016, as well, ensuring the loan account will accrue interest correctly moving forward. Because the August 2016 payment had already been made at the time we processed the adjustments so the credit and interest rate change could not be made effective for August 2016. However, per the enclosed amortization schedules, the account was credited for more than what was needed to ensure no extra funds were owed. We confirmed that no additional funds are owed to the account at this time due to the interest rate error. Per the signed loan contract and modification agreement, we are unable to release the loan as you have requested. You may wish to consider contacting our Loss Mitigation Department to apply for assistance, or to verify if the account could be eligible for a short sale. Please contact our Loss Mitigation Department directly at ###-###-####, option number one (1). That department is available to assist you Monday through Friday from 8 a.m. to 5 p.m., ET, and on Saturday from 8 a.m. to 12 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 Enclosures: Note, Modification Agreement, Payment History, Amortization Schedules (2)

[redacted] Date: October 7, 2016 Account: [redacted] Regarding Your Recent Deposit Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, regarding your recent deposit....

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. We strive to provide accurate and professional service to our customers and I regret if this is not the level of service you received. On behalf of the Bank, please accept my sincere apology for any inconvenience or frustration this matter has caused you. Please be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received and passed along your concerns. We understand your concerns regarding the availability of your deposit. We are continually working to ensure the funds from your deposits are available in a timely manner, while protecting you as the consumer, and the Bank from loss or possible fraud. In some instances, we reserve the right to place a hold on a deposit. The full amount of the deposit will not become available until the hold has ended. Depending on our reason for placing the hold on your deposit, part of the deposit or all of the deposit may be held. It is important to note that the Bank does not control the amount of time it may take for a check to clear nor does the Bank have any way to expedite this process. A hold may be placed on a check to allow sufficient time to ensure the check will not be returned. This guideline in addition to the Bank’s Funds Availability Policy is detailed in your Rules and Regulations available online at 53.com. As noted on the letter mailed to you on September 20, 2016, the reason for the extended hold was due to the account being a new account. On September 19, 2016, you opened an Essential Checking account online at 53.com. The first deposit you made was via our mobile banking app. I have enclosed a copy of the deposit for your records. The mobile deposit of $512.47 posted to your checking account on September 20, 2016. An extended hold was placed by our Operations Department. A letter titled Important Information About Your Recent Deposit was mailed to your attention on September 20, 2016. I have enclosed a copy of the letter for your convenience. Our research confirmed the funds became available to you on October 1, 2016. You made an Automated Teller Machine withdraw on Saturday October 1, 2016, and made several debit card purchases on October 1, 2016, and October 2, 2016. As of October 3, 2016, your account balance is $54.30. 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, Patrick S.Office of the President PC: Revdex.com Enclosures: Extended Hold Letter, Copy of Deposit

[redacted] [redacted] [redacted] Date: December 4, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your mortgage loan....

We appreciate the time you have taken to document your thoughts and concerns. We completed a review of the mortgage loan account ending in [redacted]. The current loan-to-value for the account is 84.8%. I have enclosed a copy of the Private Mortgage Insurance (PMI) Disclosure from the loan closing for your convenience. As this document indicates, you have the right to request the PMI be cancelled on or after the date the principal balance of your loan is first scheduled to reach or actually reaches 80% of the original value of the property. The original value means the lesser of the contract sales price of the property or the appraised value relied on by the lender to approve the loan, in this case, the contract sales price of the property was the lesser of the two, which was $495,000.00. Please note the principal balance of your loan is scheduled to reach 80% on June 1, 2018. In addition, if you are current on your loan payments, PMI will be automatically terminated on the date the principal balance of your loan is first scheduled to reach 78%, which is June 1, 2019. For your information, as of December 1, 2015, the principal balance of the mortgage loan is $419,975.25. Once the conditions have been met, per the PMI Disclosure, you may submit a written request to cancel the PMI. This request should include your full name, your full account number, a brief request to have the PMI removed from the escrow account, and your signature. On November 9, 2015, we received your request for a reappraisal of the property, in the interest of removing PMI from the mortgage loan, and the enclosed appraisal consent form was sent to you. It should be noted that the loan-to-value criteria with a reappraisal request does not follow the same guidelines as the PMI removal based on the original value as outlined above, and the qualifications for PMI cancellation with a reappraisal of the property varies by investor. If you choose to move forward with the reappraisal of the property, in order to remove PMI, the loan-to-value must be at 75.00% or below. I am sorry for frustration this may cause you. 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