PROCORPSA

[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

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: May 29, 2015 Account: [redacted] Regarding Your Access 360 Prepaid Card and Access 360 Prepaid Card Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding your Access 360...

prepaid card and your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience these matters may have caused you. We strive to provide professional and accurate service to our customers and we regret if that has not been your experience. After your Access 360 prepaid card has been opened, our Customer Service Representatives are able to help you with transfers from your checking account, name and address changes, and intemet banking password reset and alert assistance. But for other servicing needs including transaction details and history, statements, Personal Identification Number (PIN) changes, reporting card lost or stolen and getting a replacement card, you will need to contact [redacted] directly at ###-###-####. We regret any difficulty this may cause you. Thank you for your feedback as it assists us in identifying problems and ways to continuously improve the level of service we provide to our customers. Some of our deposit accounts have overdraft coverage, which allows a customer to access funds beyond the balance in their account. This feature was designed to allow for emergency cash needs and you have the option to choose whether or not to continue having overdraft coverage on your account for ATM (Automated Teller Machine) transactions and one-time debit card transactions. On March 16, 2015, we confirmed that you declined overdraft coverage on your account for ATM transactions and one-time debit card transactions. Please be aware that declining overdraft coverage does not prevent recurring debit card payments, ACH (Automated Clearing House) transactions, and check items from posting to your account which may cause possible overdraft fees. ACH and check transactions are direct withdrawals by merchants or payees from your account. If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account is overdrawn. We do not assess overdraft fees on pending transactions. Per item overdraft fees will not be assessed if your account is overdrawn by less than $5.00. The amount of the per item overdraft fee is based on the number of times your account has become overdrawn in the last twelve (12) months. For the first overdraft occurrence, you will be charged $25.00 per item. For each additional occurrence, a $37.00 per item fee will be assessed. We process transactions at the end of each business day and do not process transactions on Saturday, Sunday or Federal Holidays because they are not considered business days. Transactions that post to your checking account are processed in the following order:Credits and deposits made prior to the end of day cutoff time (according to our Funds Availability Policy)ATM transactions and debit card transactions in the order they took placeAll other debits including checks, electronic bill payments, in the order of highest amount to lowest amountFees and service charges in the order of highest amount to lowest amountPlease note that this posting order may change due to circumstances beyond the Bank's control, such as changes or disruptions in network processing or processing delays by a third party. Pages 11 through 14 of the enclosed Rules and Regulations handbook contain more details about the Bank's overdraft policies.After a check order is submitted, the charge is generally posted to the account within fourteen (14) of when the order was placed. In your case, the check order was placed on May 5, 2015 and shipped on May 7, 2015. The check order charge for $28.99 was and posted to your account on May 13, 2015, which falls within the timeframe noted above.On May 13, 2015, your beginning checking account balance was $32.08. Three (3) transactions totaling $54.10 posted to your account including the check order charge, which is considered an ACH or direct withdrawal item. As a result, the ending account balance was negative ($22.02). It should be noted that no fees were assessed for this occurrence since the check order fee caused the account to be overdrawn. A copy of the overdraft notice is enclosed your for reference.It is important to ensure that your checking account has sufficient funds to cover the transactions you have authorized. However, we sympathize with the difficulties you have encountered regarding your account. Therefore, we reversed the check order charge of $28.99 and credited this amount back to your account on May 27, 2015. In addition, our records do not indicate that balance alerts (sent via email or text) have been set up for your accounts. Please login to 53.com and go to the 'Service Center' to review available alerts and set them up for your accounts.[redacted], please be assured that it was not our intention to cause you any hardship or frustration. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Consumer Resolution Specialist Office of the PresidentEnclosure: Overdraft notice, Rules and Regulations PC: Revdex.com

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.  
In the response from Fifth Third Bank, they state: "Due to no bank error being found in our research of this matter, we are unable to refund any overdraft fees charged to your account above the amount of the courtesy waiver you have previously been offered and have refused."We have not refused any previous offer and would be inclined to accept a "courtesy offer." We would ask for the bank to let us know what that would consist of. Thank you.
Regards,
[redacted]

[redacted] Date: August 17, 2017 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the rebuttal you submitted to the Revdex.com regarding your Fifth Third Bank installment loan. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. However, we stand by the response conveyed to you in our previous letter dated August 11, 2017. I have enclosed a copy of that letter for your convenience. Our position on this matter has not changed. I have also enclosed a copy of the loan contract you signed, as well as copies of the letters sent to you by the Bank dated December 26, 2012, and January 16, 2013, in response to previous complaints you submitted to the Revdex.com. The contract and letters provide information regarding your original contractual due date as well as the changes to your due date over the course of your loan. Please also be aware that, if we receive an additional complaint from you regarding this matter that does not contain new information, you will not receive additional correspondence from the Bank regarding this matter. This is because this matter has already been appropriately addressed in our previous response letter. Thank you for your patience while waiting for a response. 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: 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

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: 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: November 23, 2016 Account: [redacted] Regarding Your Secured [redacted] Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your Secured [redacted]. 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. We strive to provide professional and accurate information to our customers, 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 thoroughly researching your Secured [redacted] ending in [redacted], we waived the $35.00 late charge that was assessed to your account on October 18, 2016. The fee waiver will appear on your December 2016 billing statement. As of November 23, 2016, the balance on your account is $178.21, and a minimum payment of $35.00 is due on December 17, 2016. Since you closed your card, if you would like for us to use the secured funds in your savings account ending in 9858 to pay off the balance on your Secured [redacted], please contact me at either number below, and I will be happy to assist you. Otherwise, the secured funds will not be released until your account is paid in full. 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: 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: 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)

I provided an attached  document and due to technology error of the online banking process the bank should be considerate of that fact and refund 50% of the $222 overdraft fees: $111 (74+37) which leaves a remaining refund request of $37 to resolve this matter.

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.

I was told the issue would be resolved by the April 6th payment. I was not told that it was 3.39 or what they stated. I was told .5 cents or .50 a day I was also told actually guarantee was the word she used that I word she used that she would back date so I would not be charged.
when she called an told me she back dated it was .74 really .74
so they never sent the check as they stated
one more issue and not truthful information again
I would like this resolved as soon as possible. this is been going on way to long and has been stressful on me

[redacted]
[redacted]
[redacted]Date: April 29, 2016Account       [redacted]Regarding Mobile Text AlertsDear
[redacted]:We received a copy of the complaint you filed with the RevDex.com concerning mobile text alerts for your...

Business Basic checking
account.On behalf of the Bank, I apologize for the difficulties you have
experienced. It was certainly not our intention to cause you any undue hardship
or frustration. Please be advised that the alerts are intended to be used as a
courtesy communication, and the delivery timeframe may be after the event has
occurred rather than at the time of the occurrence. I have included a copy of
the terms and the conditions for both online banking and the mobile text alerts
for your convenience.A review of the alerts you have set up for your account confirmed
that the alerts are working accurately and as intended. Currently, your alerts
are set to notify you if your balance is below $25.00, ATM transaction, debit
card transactions for purchases made at gas stations, international purchases,
online and phone or mail purchases.The low balance alert is intended to provide notice of your
balance based on items posted to your account and cannot alert for pending
transactions. You may want to consider modifying your low balance amount, to
allow you the chance to make a deposit or transfer funds to avoid an overdraft.
We also recommend that you check your account balance regularly to verify your
available balance and pending items against items you have authorized that are
not yet showing (i.e. checks you have written).If an account becomes overdrawn, we assess an overdraft fee for
each item that posts while the account has a negative balance. The Bank
processes transactions at the end of each business day, and per our Rules and
Regulations, the transactions that post to your account are processed in the
following order:Credits and deposits made prior to the end of day cutoff timeATM and debit card transactions in the order they took placeAll other debits, including checks and electronic bill payments, in the order of highest to lowest amountFees and service chargesDebit card and ATM transactions will reflect against your
available balance immediately. Checks and electronic bill payments are
processed at the end of each business day and will not show as pending on your
account during the day.I have reviewed the overdrafts you mention from December 16,
2015, February 7, 2016, and April 18, 2016.Per the overdraft notice sent to you on December 16, 2015, your balance would have reflected negative, once the last transaction at [redacted] was showing on your account, the time stamp shows that this was completed at 4:43 PM.The overdraft notice from February 8, 2016, indicated that the overdraft occurred when check number [redacted] in the amount of $38.50 posted to the account at the end of the business day. The negative balance would not have been visible on your account until the next day.The overdraft notice sent on April 19, 2016, shows the balance was negative with a [redacted] purchase, which was completed at 2:12 PM and was further negative with a [redacted]purchase
at 4:58 PM.For each occurrence, funds deposited at a banking center prior
to closing, transferred online before 9 PM EST, or deposited at a Fifth Third
ATM prior to 7 PM EST would have avoided the overdrafts and associated fees. I
have included a copy of each of the overdraft notices for your convenience.We strive to provide professional and accurate information to
our customers and I apologize if this has not been your experience. As a
courtesy we have waived $74 of your overdraft fees at your request. Please be
advised per bank policy no further overdraft fees may be able to be waived,
unless the overdraft fees are caused by fraud or bank error.We appreciate your patience while we researched this matter. You
are a valued customer and we look forward to serving your financial needs in
the future. 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,Shannon K.Office of the PresidentEnclosures: Online Banking Terms and Conditions, Mobile Text
Alerts Terms and Conditions, Overdraft Statements

[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: March 22, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com regarding the collection calls you received and the service provided at one of our banking centers. We appreciate the time you have taken to document your additional thoughts and concerns. I would like to again apologize for the inconvenience these phone calls may have caused you and your wife. Please understand that calls are made within the grace period in order to help customers avoid late fees or delinquent credit reporting. It was certainly not our intention to cause you any frustration. Please be assured that we attempted to review the collections calls made to you and your wife for this installment loan. Our records indicate that we have not made recent collections calls related to this installment loan. The last collection call made was in March 2015 and we are unable to retain collection call recordings from a year ago. On February 16, 2016, we received a check in the amount of $1,483.21 made payable to Fifth Third Bank. This check was applied to your vehicle loan and served as a full payoff of the loan in which the [redacted] was held for collateral. This payoff payment was applied to your loan and on February 16, 2016, your installment loan was closed. Since that time, you should have received the enclosed closure letter confirming that your loan has been paid off in full. I have also enclosed a copy of the Release of Lien – Termination Statement that shows our lien was released on your vehicle on February 16, 2016. Thank you for your patience while waiting for a response, and we sympathize with the difficulties you encountered regarding your loan. You were a valued customer and we look forward to servicing your financial needs in the future. If I could be of further assistance to you please contact me directly at (513) 358-2980, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., EST. Sincerely, Lisa S. Office of the President Pc: Revdex.com Enclosure: Release of Lien – Termination Statement, Closure letter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Regards,
[redacted]Problem: I had filed following compliant in 7/17.... I have been charged fees on my credit card because this bank runs its business in some other century, you don't have ability enroll in auto payment or make changes to your payment instructions online. You have to call them during 8-5 business hours then fill out a form, then fax it and after all that wait till it takes effect while they keep collecting fees. I don't know any other bank card or bank that doesn't give you ability to do this basic function online. I have call the company total of three time on the same issue to ensure my auto pay has been set for full payment each month and they have failed to correct this, I keep getting charge for interest rate. With last complain I had challenged bank to come live in 21st century to make their customer's lives 5/3 better as they claim, but they continue to live in last century. I don't of any bank that requires personal phone call M-F between 8-4 to speak to Auto Pay department to discuss problems related to Auto Pay. With every other bank this is done on demand 24/7 on websites. Despite three call they have not correct my account, I keep wasting countless time to call on week end and all they can tell me is to call during business hours. Busy physician like my self who works 7-7 can not do thatDesired Outcome: At this point reimburse me for time I have wasted with your call center, refund all fees and interest charges, come and live with other real banks in 21st century for once and all and let your customers have 24/7 on demand access to their auto pay

[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: October 26, 2016 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 the frustration you experienced regarding this matter. However, we stand by our previous correspondence dated October 4, 2016, regarding the $260.27 Automated Clearing House (ACH) transaction to [redacted]. Our position on this matter has not changed. For your reference, I enclosed a copy of our previous correspondence. I understand that you provided an ACH cancellation form to revoke your authorization of the transaction in question. Please note that Fifth Third Bank does not utilize a form like this. However, when a stop payment is completed, we send a form to you to sign and send back. Per our conversation on October 11, 2016, you advised that you obtained the form from the merchant that was drafting your account and you were advised to take it to a banking center. Unfortunately, I was unable to locate a recording of your phone call with a Bank employee who provided this information. I am sorry for any dissatisfaction this may cause you. Please note that we cannot prevent an authorized ACH transaction with a third-party form. You had the option to request a stop payment with the Bank, which you declined. I am sorry that you were advised to bring the documentation to the banking center. During our conversation on October 11, 2016, you advised you could provide a copy of the authorization cancellation form. As of October 18, 2016, I have not received the requested documentation. If you cancelled the recurring payment with the merchant, you may wish to contact our Dispute Department to dispute the $260.27 ACH transaction. If you would like to dispute the transaction, please contact our Dispute Department at ###-###-####. That department is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. I certainly understand your frustration because we were unable to open a new account for you as an eAccess checking account. Fifth Third Bank discontinued this account in 2015. Because you closed the checking account, we were unable to open a new eAccess checking account for you. Typically, we are unable to reopen closed checking accounts after more than sixty (60) days has passed. However, because you were provided incorrect information so you could not fully understand the ramifications of closing the account, we were able to make an exception to reopen your eAccess checking account. Your account ending in [redacted] was reopened on October 22, 2016. You can now continue to use your e-Access checking account for your banking needs. Additionally, I have waived all remaining monthly service charges from your Essential checking account. The total fee waiver totals $49.00. Please note that if you do not close the Essential checking account before November 21, 2016, another service charge will be assessed if you do not complete the activity needed to earn out of the fee. We will not waive additional fees from the Essential checking account if it is not closed before the next fee is assessed. Additionally, we will not be able to reopen the eAccess checking account in the future if it is closed again. In our previous correspondence, you were advised that the Essential checking account was opened at the [redacted] Main Banking Center. Unfortunately, this information was not correct. Your Essential checking account was opened over the phone with our New Accounts Department on February 5, 2016. The account was assigned to the [redacted] Main Banking Center. I am very sorry for the misinformation you received, and I appreciate your feedback that alerted us to this error. Please be assured that I have forwarded this situation to the relevant Bank personnel. 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: Previous Response