PROCORPSA

[redacted] Date: April 12, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your Revdex.com complaint, regarding the Stand Up to Cancer promotion for your checking...

account ending in [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. To maintain the security of your account, I am sending this letter to the address we currently have on record for you. I noticed that the return address you use in your Revdex.com complaint is different. According to our security protocols, I cannot update your mailing address based upon your Revdex.com complaint. I encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updated. The Customer Service Department can be reached at ###-###-####. Representatives are available Monday through Friday, from 7:00 a.m. to 8:00 p.m., and Saturday from 8:30 a.m. to 5:00 p.m., ET. I can be reached at the telephone number provided in this response. Your comments expressing less than quality service are very concerning and we regret the difficulties you experienced. Please be assured we have researched this matter fully, and passed on your concerns to the [redacted] Banking Center. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Per your conversation with the manager of the [redacted] Banking Center, a credit of $150.00 posted to your checking account on March 29, 2016. Although the Stand Up to Cancer promotion has ended, the Bank reached out to Stand Up to Cancer and confirmed that we could still make a donation for $150 as a result of you choosing to open an account with Fifth Third. I have enclosed a letter from the Co-Founder at Stand Up to Cancer which is personally addressed to you informing you about this donation. Fifth Third Bank is committed to being a responsible bank that does what is right for our customers, as well as to making products and services available to all segments in the communities it serves in a fair and transparent manner. We believe your issue was resolved accordingly, and I hope that this letter will meet your satisfaction. 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 Pc: Revdex.com Enclosure: Stand Up to Cancer Donation Letter

[redacted] Date: July 20, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: Thank you for contacting the Revdex.com concerning your installment loan with Fifth Third Bank and our response that was sent to you as it relates to your prior complaint. We appreciate the time you have taken to express your concerns regarding this matter. The loan you have with Fifth Third Bank was funded for $32.744.50. We have received two payments on this loan. On June 23, 2015, we received a check for $497.98 as well as a check for $32,028.99. Both checks posted to your loan account. As you brought to our attention, there was a check that was credited to your loan that should not have been. We corrected that error. The total payments from you have been for $32,526.97. This amount is less than the amount due to pay off your loan. There has been no additional payment on the loan as of the close of business on July 16, 2015. The payoff on your loan as of today, July 17, 2015 is $376.55 with a per diem of $.03. As stated in our last letter, once the loan is paid in full, Fifth Third Bank will release our lien on the title. According to your complaint, you state that you sent a check in to Fifth Third Bank in May 2015, but it did not clear your account. If that item has now cleared you account, and it is other than the items mentioned above, please send me a copy of the item and I will work to locate the missing payment. I was unable to locate the item that you previously faxed to Fifth Third Bank, but would like to assist you in posting the missing item to your loan with verification that the item has now cleared your checking account at your financial institution. The documentation that was sent to us form the dealership contained incorrect information as it relates to your last name. On the credit application that was signed by you, your name was listed as [redacted] not [redacted]. When we received the information, we input your name based what had been forwarded to our institution. I have since taken the necessary steps to correct the spelling of your last name. We strive to provide professional and accurate information to our customers, and 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, Beth H. Office of the President

[redacted] Date: January 29, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com, regarding your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding 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 responses conveyed to you in our previous letters sent to the above address on January 11, 2016, and January 21, 2016. Our position on these matters has not changed. As we mentioned in our previous correspondence, in the interest of customer service, the two (2) $30.00 NSF fees were waived from the account. However, there was no Bank error in the assessment of the fees to the account. Because there was no error, we are unable to accommodate your request to waive additional fees. As previously mentioned, Auto BillPayer was set up on the account, and the first payment was scheduled for October 16, 2015.However, when we attempted to draft the payment, it was returned by [redacted] due to a block that was placed on the account. Because the payment was blocked, the Auto BillPayer was cancelled. We cannot advise why this block was placed; you may wish to discuss this matter further with [redacted]. 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 ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, [redacted] Office of the President Pc: Revdex.com

[redacted] Date: December 5, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your installment loan account. We appreciate the opportunity to further address your concerns. On behalf of the Bank, I apologize for the frustration this situation has caused you. However, we stand by our previous correspondence dated November 21, 2016, regarding the insurance payments to your loan. Our position on this matter has not changed. For your reference, I have enclosed a copy of our previous correspondence. Your loan contract states that insurance payments for the account will be used to reduce the balance owed, not that they will be used to cover the monthly payments required per the contract. Fifth Third Bank complies with the Fair Credit Reporting Act (FCRA), which requires that we report accurate account information. Payments received more than thirty (30) days after the due date are reported as late regardless of the delinquent amount. You mentioned a phone call you had with a supervisor in our Collection Department. I am very sorry for the negative experience you had during the phone call. The information you provided has been forwarded to the relevant Bank personnel for review. However, I cannot inform you of specific internal corrective actions that may be taken to resolve this matter. We strive to provide best in class service, and I am sorry that was not your experience. 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 Enclosure: Previous Correspondence

[redacted] Date: June 22, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received copies of the complaints you submitted to the Revdex.com and [redacted]...

[redacted] regarding your mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We strive to provide exceptional service to our customers, and I am sorry that was not your experience. 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 that was conveyed to you in our previous letter dated May 25, 2017. I have enclosed a copy of that letter for your convenience. Our position on this matter has not changed. Since our previous response letter, you provided proof of flood insurance effective June 7, 2017. The lender-placed flood insurance policy covered October 3, 2016, to October 3, 2017. That means there was a lapse in coverage from October 3, 2016, to June 6, 2017. The premium charged by the insurer for the lender-placed insurance was $570.51. Therefore, a refund in the amount of $184.44 for the unused portion of the premium for the period June 7, 2017, to October 3, 2017, was issued by the insurer following termination of the lender-placed policy. This refund was credited to your escrow account on June 13, 2017. The requirement for an escrow account for the purpose of funding the disbursement of premiums for lender-placed insurance is no longer necessary because you obtained a flood insurance policy. After the refund of $184.44 was credited to your escrow account the remaining balance of $17.93 was disbursed to you on June 14, 2017. Your mortgage loan payment effective July 1, 2017, is $839.98. Thank you for your patience while we conducted our research. We value your business and look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com, Consumer Financial Protection Bureau Enclosures: Previous Response Letter

[redacted] Date: December 14, 2017 Account: [redacted] Regarding Your E-Access Checking Account Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com regarding the...

overdraft fees you received on your E-Access checking account and the status of this account’s Overdraft Coverage. 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 apologies for any inconvenience this matter may have caused you. We have researched the issue surrounding the recent overdraft fees that you received on this account, and have found that these fees were charged accurately. We regret the inconvenience this matter may have caused you, but as the customer, you are in the best position to know if items you have authorized, either by debit card, check, or electronic Automated Clearing House (ACH) payments, have cleared your checking account by utilizing a checkbook register. Due to no bank error being found in our research of this matter, we are unable to fulfill your request to refund the $407.00 in overdraft fees charged to your account within the last three months. Our research has determined however, that $74.00 in overdraft fees have been reversed in the interest of customer service in June 2017. To clarify for future transactions, the Bank processes transactions at the end of each business day in the following order: ** Credits and deposits made prior to the end of day cutoff time ** ATM and debit card transactions in the order they took place ** All other debits, including checks and electronic bill payments, in the order of highest to lowest amount ** Fees and service charges Debit card and Automated Teller Machine (ATM) transactions are time-stamped debits and are pre-authorized at the time of use, and will show pending until they are posted. Because time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic ACH payments are batch debits that are not pre-authorized by us. These transactions do not include a time-stamp and will not show as pending during the day. Checks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized. Regarding the frustration you state you felt concerning the Overdraft Coverage on your account, please know I sincerely apologize for any misunderstanding which may have occurred associated with this feature. Overdraft Coverage allows a customer to access funds beyond the balance in their account for emergency cash needs. The option exists for account holders to choose whether to continue having Overdraft Coverage on your account for ATM (Automated Teller Machine) transactions and one-time debit card transactions per federal regulations. Effective June 11, 2010, you had the ability to choose whether to continue having Overdraft Coverage on your account for ATM transactions and one-time debit card transactions via Internet Banking at 53.com, by calling our 24 hour automated telephone line at ###-###-####, or by visiting one of our local Banking Centers. According to our records, your account is currently opted out of Overdraft Coverage. Please be aware, with the decision to decline Overdraft Coverage for ATM and one-time debit card transactions, your card will be declined if there are insufficient funds in your account, and will therefore not receive overdraft fees for debit card transactions. However, this Overdraft Coverage does not apply to checks and electronic ACH payments. If a check or electronic payment is presented against your account with insufficient funds, the item may be assessed an overdraft fee, or returned and charged a $37.00 returned item fee. If the checking account is overdrawn, we also send an overdraft notice via standard mail to inform you of the occurrence that includes a detailed breakdown of the day’s transactions. Included with this letter you will find a copy of our Rules and Regulations. Please review this document for more information about overdrafts and how items may post to your account. If you have any questions, please contact myself, your local branch, or a customer service professional at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., Saturday, 8:30 a.m. to 5 p.m., ET. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. It was certainly not our intention to cause you any difficulties or frustration. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. [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 ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S.Office of the President Pc: Revdex.com Enclosure: Rules and Regulations

[redacted]
[redacted]
[redacted]Date: May 28, 2015 Account: [redacted]Re: Credit Card Convenience ChecksDear [redacted]:Thank you for the letter you sent to the Revdex.com regarding your credit card. We appreciate the time you have taken to document your...

thoughts and concerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers' satisfaction.The Bank recently sent you a letter along with attached convenience checks for use with your Platinum [redacted] account ending in [redacted]. Any purchases made with these checks will be at the promotional annual percentage interest rate of zero percent (0.00%) through your billing cycle date in March 2016. As disclosed in the letter that you received, a convenience check fee will be assessed when these checks are used. The fee is the greater of $5.00 or four percent (4.00%) of the total dollar amount of the transaction.On April 30, 2015, a convenience check of $8,575.00 posted to your credit card account. The fee of four percent (4.00%) of the total purchase amount of $8,575.00 is $343.00. Since this was disclosed to you in the letter that you received from the Bank along with the attached convenience checks, the Bank is not willing to refund the fee of $343.00 that was assessed to your account on April 30, 2015. We regret any inconvenience or frustration this may cause you.[redacted] 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 [redacted] Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Consumer Resolution Specialist Office of the PresidentPc: 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] Date: September 25, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your...

Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. On September 13, 2017, your 53.com online funds transfer of $260.00 from your Fifth Third Bank checking account to your non-Fifth Third Bank account posted to your account. Because the Bank assesses a $3.00 fee when funds are transferred on our website at 53.com from your Fifth Third account to a non-Fifth Third account, the total amount of the transaction was $263.00. Since you previously received inaccurate information from the Bank regarding the fee for this service, we have decided to issue you a refund of the $3.00 fee. On September 25, 2017, $3.00 was credited to your checking account for a refund of the fee that was assessed. [redacted], thank you for your patience while waiting for a response. We truly value your business, and we look forward to continuing our banking relationship with you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P. Office of the President PC: Revdex.com

[redacted] Date: July 26, 2016 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: The Revdex.com forwarded your additional comments and request for an overdraft fee reversal to Fifth Third Bank. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. Two (2) payments scheduled through our online banking service posted to your joint checking account ending in [redacted] on July 1, 2016. You indicated within your complaint that this was not your intention and that you received an error message when trying to select the account to be debited. After a thorough review of the online banking activity in question, we stand by our prior response provided on July 14, 2016. The payments in question were scheduled using the joint account holder’s online banking profile. On June 22, 2016, at 5:42 a.m., Central Time (CT) a one-time payment was scheduled to pay $670.00 to ** [redacted] on July 1, 2016. The funds were sent on June 29, 2016, and posted by the payee on July 1, 2016. On June 22, 2016, at 5:47 a.m., CT, a one-time payment was scheduled to pay $150.00 to [redacted] on July 1, 2016. The funds were sent on June 30, 2016, and posted by the payee on July 1, 2016. A payment posts to your checking account after the merchant processes it. Any payment can be modified or canceled as long as you access the Service before the Bill Payment cut-off time on the Business Day the payment is going to be processed. A “Business Day” is defined as Monday through Friday excluding Federal Holidays or as otherwise posted in the Banking Centers. Some Bill Payments are made via check and some are made via electronic transaction (ACH). The Service will determine when to process the payment in order to pay your bill on time. It is important to note that this could be up to three (3) Business Days before the payment is due to be paid. A payment cannot be modified or canceled through the Service once it is marked as either “Paid” or “In Process.” I have enclosed a copy of the Digital Services User Agreement, which you agreed to when you enrolled in our Online Banking Service (“the Service”). It is possible to request that a stop payment order be placed on a payment marked as “In Process” by contacting Customer Service. However, the ability to successfully stop the payment depends on how the funds were remitted to the payee and the elapsed time since the payment was processed. In addition, you may be charged a non-refundable stop payment fee of $33.00 for each request. While a time and/or date stamp is not visible on the screen shot you provided, we did carefully review your online banking activity and did not find evidence of bank error in the processing of the scheduled payments. Because the account balance was not sufficient to cover the transactions that posted on July 1, 2016, the Bank charged your account six (6) overdraft fees of $37.00 on the next business day, which due to the holiday, was Tuesday, July 5, 2016. Because you are a valued customer, $74.00 of the $222.00 in total overdraft fees were reversed on July 5, 2016. However, because overdraft fees were also reversed on April 7, 2016, and May 12, 2016, we are unwilling to reverse any additional fees at this time. It is certainly not our intention to cause you any hardship and I apologize for your frustration regarding this matter. Please know that our executive management regularly reviews customer feedback as part of our commitment to improving our operations. 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 Enclosure: Digital Services User Guide

I do not agree with anything in that letter. When my wife closed the account on the 20th, the bank gave her the money. The account should have been closed on the 20th and all other debits from there on out declined. I am not going to pay the overdraft fees. This is not fair and I will not settle for anything less than the overdraft fees being taking away. Those fees would not exist if the account would have been closed as asked. This is just a way for 53 to make money. The account should have been closed on 11/20 and no fees would've been charged.

[redacted] Date: August 16, 2016 Account: [redacted] Regarding Your Transaction Dispute Dear [redacted]: We received a copy of the rebuttal you submitted to the Revdex.com regarding your transaction dispute. 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 prior correspondence dated August 4, 2016. Our position on this matter has not changed. We enclosed a copy of the documentation we received from the merchants with our prior correspondence. The disclosures for the terms of the trial periods state the following: You will have 14 days from your original order date to see if [[redacted]] is right for you. If you are unhappy with the product at any time during those 14 days, you must call us at [redacted] and cancel your order to avoid being billed for the full cost of the product. If you are satisfied and do nothing we will bill you [$89.97/$89.95] for your initial order and every thirty days[.] I have enclosed additional copies of the merchant documentation for your convenience. You placed your orders for the free trial periods on February 4, 2016. Per the disclosures you agreed to on the merchants’ websites, you had fourteen (14) days from that date to cancel your orders. Since you did not cancel within the trial periods, you were assessed for the full cost of the products on February 19, 2016. Based on the documentation we received from the merchants, as well as the documentation you provided, you did not cancel your orders until February 22, 2016. It was certainly not our intention to cause you any hardship. However, we are unable to reconsider your dispute, or return the provisional credits, since all documentation provided indicates that you did not cancel your orders within the trial periods as required under the terms and conditions. If you would like to pursue this matter further, you will need to contact the merchants directly. I understand in your complaint you stated that the merchants’ websites were no longer active; however, we verified on August 10, 2016, that both websites, and the phone numbers for the merchants, are still active. Thank you for your patience while we conducted our additional research. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Merchant Documentation

[redacted] Date: October 18, 2016 Regarding Your Recent Mortgage Application Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com and your email to the Bank regarding your...

recent mortgage loan application. We appreciate the time you have taken to express your concerns regarding this matter. Your comments expressing less than quality service from our employees is extremely concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience this application process may have caused you. Please be assured that senior management in your region has been informed of your dissatisfaction with the service your received. We strive to provide professional and accurate information to all of our customers, and we regret if all the service you received did not meet the same high standard. You also requested the email addresses for Edward R., Head of Mortgage and Greg C., President and Chief Executive Officer of Fifth Third Bank. Please be aware our office is charged with the responsibility to research and respond to complaints directed toward Fifth Third Executives. Our senior and executive management teams review our customer concerns as part of our ongoing commitment to improving our customers’ satisfaction. While it is our desire to extend credit to every individual that applies, it is not always possible for us to do so. When applying for a mortgage loan several factors are reviewed before final approval may be given for the mortgage loan, including any information we receive from the credit reporting agencies, the documentation that you have provided and an appraisal of the property. Should the information we receive not meet our current guidelines for lending, your application may be declined. I have attempted to contact you by telephone, but have not been able to connect with you. As I mentioned in my telephone message on October 12, 2016, the Bank denied your mortgage loan application on September 7, 2016. Please find enclosed a copy of the credit denial letter that was mailed to you the same day. Page one (1) of the denial letter explained your mortgage application was turned down for the following reason, incorrect information provided at time of application. Our research confirmed that the incorrect information was found on your 2014 and 2015 tax returns. On the mortgage application, you and your wife stated the [redacted] property was your primary residence. However, your tax returns filed in 2014 and 2015, you and your wife filed as single with different addresses as your primary residence. This information was confirmed by our Bank Protection Department. I have enclosed a copy of your 2014 and 2015 tax return for your convenience and review. registered service marks of Fifth Third Bancorp The Second Review Team has also reviewed your application, and confirmed the reason for denial is correct. Please find enclosed a copy of the Fifth Third Bank Mortgage Loan Pricing Agreement and Prepayment of Settlement Costs Policy that you signed and returned to the Bank on August 18, 2016. Specifically, on page two (2) the section titled Prepayment of Settlement Costs Policy, which states: An application fee will be charged in connection with your loan application. When applying for a residential mortgage loan a loan application fee is due. This application fee does not represent a pre-payment of specific closing costs. It does, however, represent a pre-payment of a portion of the total settlement costs. Assuming your loan application is approved, this prepayment of settlement costs will be applied towards your total costs due at closing your transaction. If your application is not approved, is withdrawn, or is approved and does not close, you will NOT be entitled to a refund of any fees paid including but not limited to the application fee and long term rate lock fee. Rate and Point Float Lock $350.00 Application fee is due upon your receipt of the Initial Loan Estimate and your expressed intent to proceed with the application when applying for a mortgage loan. Only one application fee will be charged for any one mortgage loan application. Along with the Mortgage Loan Pricing Agreement, please find enclosed a copy of the Loan Estimate, your signed Notice of Intent to Proceed, as well as the commitment letter mailed to you on August 3, 2016. Upon review of your complaint, Fifth Third has determined that the fact that the application fee was not refundable was disclosed and this fee will not be refunded as explained in the Pricing Agreement. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Pricing Agreement, Denial of Credit Letter, 2014 and 2015 tax returns, Loan Estimate, Notice of Intent to Proceed, Commitment Letter

[redacted] Date: January 22, 2018 Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted]: We received a copy of your complaint filed with the [redacted] ([redacted]) and the Better...

Business Bureau (Revdex.com) regarding your mortgage loan account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Various requirements must be met to remove PMI and escrow, in addition to having the required Loan to Value ratio (LTV). The requirements vary based on the loan investor that owns the loan. Enclosed is a copy of the signed PMI disclosure for your loan. Per the disclosure, PMI will automatically terminate on the date the loan is scheduled to reach a 78% LTV. PMI does not automatically terminate if the LTV reaches 78% prior to the scheduled date. Per the disclosure, you can request to remove PMI when the LTV is scheduled to reach 80% of the LTV on November 1, 2018, or when the account actually reaches an 80% LTV. Per the disclosure, the request must be submitted in writing. Per our conversation on January 12, 2018, your requests to cancel the Private Mortgage Insurance (PMI) and the escrow account were approved. However, we issued a check to you for the escrow balance before we made the final PMI payment. We have stopped payment on the $7,482.40 check that we sent to you on January 10, 2018. Please do not cash this check when it is received because it will be returned as unpaid. We made the final $9.84 PMI payment on January 12, 2018, and sent the remaining escrow balance of $7,472.56 to you in the form of a check on January 12, 2018. If you do not receive the check by January 26, 2018, please contact me directly using my phone number listed below. I reviewed your conversation with the Customer Service Department on January 3, 2018, when you called to cancel PMI. The representative advised correctly that the request needed to be submitted in writing. The representative also advised that PMI must typically be paid for at least five (5) years before it can be removed. The information provided was correct as some mortgage loan investors require that PMI be paid for a minimum of five (5) years before it can be removed, even if the LTV falls below 78%. However, this was not a requirement for your loan. I confirmed that we did not receive a written request to remove PMI via fax or mail. The first (1st) written request received was the complaint that you submitted to the [redacted]. Your new monthly mortgage payment is $1,839.12, and the next payment is due by March 1, 2018. You are responsible for the timely payment of taxes and insurance because the loan no longer has an escrow account. If we receive notification that the taxes or insurance for the property are delinquent, the Bank may reopen the escrow account to pay the delinquent escrow obligations. We may also force place an insurance policy to protect the investor’s interest in the property if there is a lapse or cancellation of coverage. If we reopen the escrow account, you will receive an escrow analysis and an escrow payment will be added to the monthly mortgage payment required. 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: [redacted] Enclosures: PMI Disclosure

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]  Customer called Revdex.com indicating he does not understand why his account has not been adjusted. Seeking additional explanation/clarification.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  I faxed a copy of the check I sent the last week of May to Fifth Third after speaking to one of their representatives the week of the 15th. It was not posted to my account so I called to check on the manner. At this time I was the one who notified them of the error of another person's money being posted to my account. There are recordings to represent this conversation through fifth third. Also, it is my understanding according to the law, fifth third can not hold a Lien release after cashing the payoff check my bank sent them. They have cashed it. I have sent them a check in the mail for the "remaining balance" to keep my credit from being affected. I have A+ Credit with nothing to hide. I pay my bills. Please inquire about the recordings they have and the copy of the check I faxed  to 513-358-5477 with the reference number of 21816933. I also inquired about a name change considering my name was spelt wrong at the time and automatic payments. I was told on the 16th the copy of the check was not sufficient after being told it would be the prior date. My husband was told my a different represtative out check was returned. I verified this with my bank. Nothing was taking out of my account, which had 3000 in it at the time. I believe that was a sufficient amount to pay the bill. 
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.   I have attached a proof of how 5/3 Bank charges. If yuo see the charge comes next day after 12am  - the charge should not be there on same day to nicur nsf fee. My pictures clearly indicate that5/3Bank does not follow their own regulations....
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. I was contacted and told that the hold was because my account was new and that when I deposited my next check this would not be an issue. Believing that they were being honest I did go ahead a deposit my next check from the same job same issuing bank and guess what once again I'm being told my check is on hold for yet another 2 weeks this account has put me in a bad position with obligations I have to pay I've got late fees and my car insurance almost cancelled because I'm unable to get to my funds to pay my bills . If they were honest that would have been nice but the representative lied and nothing got resolved.
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 facts they list as when I first contacted them are incorrect and they have made no commitment to stop their business practices that make it difficult for customers to be efficient in dealing with the bank.  I have also asked that the person responsible for this give me a call to discuss but have received no call.  
Regards,
[redacted]

[redacted]     Date:     July 2, 2015 Account:    [redacted]     Regarding Your Checking Account     Dear [redacted]:   We received a copy of the complaint you recently filed...

with the Revdex.com.  We appreciate the time you have taken to document your thoughts and concerns.   The beginning balance on your checking account on June 15, 2015, was negative ($15.03).  You had a mobile check deposit of $435.00 and a direct deposit of $330.00 credit to your account.  Because one of your deposits was a non Fifth Third check, a hold was placed on the funds.  Six (6) withdrawals and debits totaling $415.57 posted to your account, creating an ending balance of negative ($00.60).  Additionally, the Bank charged your account one (1) overdraft fee of $37.00 that same business day due to the overdraft situation from the prior business day transaction to Comenity for $30.00.  Because your account was overdrawn by less than $5.00 on June 15, you were not charged an overdraft fee that day.  I have enclosed a copy of your overdraft notice, which provides additional detail regarding the transactions that posted to the account and the fees that were assessed.   Checks deposited through our Mobile Deposit feature are subject to verification by Fifth Third, per the Digital Services Agreement you confirmed prior to making your deposit.  Information on the Availability of Funds deposit is available within the Mobile Deposit Section of your Mobile App.  We are continually working to ensure the funds from your deposits are available in a timely manner   For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the future.  Information regarding overdraft coverage options is also provided on the enclosed document.  Please feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guide.  I would be happy to assist you.   We strive to provide professional and accurate information to our customers and I regret the difficulties you have encountered regarding your account.  In the interest of customer service, we reversed fees totaling $74.00 since June 29, 2015.  Therefore, we are not willing to waive additional fees at this time.  As of July 1, 2015, your account has an available balance of $46.30.   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,   Carolyn G. Office of the President   Pc: Revdex.com   Enclosure: