PROCORPSA

[redacted] Date: January 5, 2018 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. As was previously explained to you in my letter dated December 21, 2017, an escrow surplus of $50.00 or more is only sent if the loan is current when the escrow analysis explaining that there is an escrow surplus is done. For clarification, there was an escrow surplus with the analysis that was completed on May 31, 2017. As you are aware, the mortgage loan was delinquent at the time this surplus was discovered. As was also explained previously, if there is still a surplus in the escrow account when the next annual analysis is done, and the loan payments are current at that time, the Bank will send a check to you for any escrow surplus of $50.00 or more. Please note that an escrow analysis must be completed to determine if a surplus or shortage exists in the account. Your mortgage loan is scheduled for the annual analysis to be completed in December of each year. According to the enclosed copy of the Annual Escrow Account Disclosure Statement dated December 26, 2017, there was an escrow surplus of $1,172.75. Therefore, a Fifth Third Bank Official Check for $1,172.75 was sent on December 27, 2017. If you do not receive the check within two (2) weeks from December 27, 2017, please contact me directly at the telephone number provided in this letter so I can ensure that a new check is sent. Please accept my sincere apologies for any inconvenience or frustration this matter 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, Adam P.Office of the President PC: Revdex.com Enclosure: Annual Escrow Account Disclosure Statement Dated December 26, 2017

[redacted] Date: October 2, 2015 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com,...

concerning the difficulties you experienced in paying off your vehicle installment loan. We appreciate the opportunity to respond to 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. It is feedback like yours that helps us identify problems and improve the level of service we provide to our customers. Please be assured that the relevant parties have been contacted to express your dissatisfaction with the service you received. On June 3, 2015, you agreed to a seventy-two (72) month vehicle installment loan in the amount of $27,909.07 for your [redacted] with a monthly payment of $457.14 due on the third (3rd) of each month. We also confirmed that you agreed to purchase a [redacted] insurance policy for your installment loan. On September 24, 2015, we received a check from [redacted], your insurance company, in the amount of $25,077.82. On the date this payment was received, the balance owed on your vehicle loan was $27,213.05. Therefore, the payment from the insurance company was not sufficient to pay off your loan in full. A principal balance of $2,135.23 remained owed on the loan after the payment from your insurance company was received. Since your loan balance was not paid in full the loan remains open with a balance owed. The total loss of your vehicle did not exempt you from making the required monthly payments since we did not receive sufficient funds from your insurance company to pay off the loan. On September 3, 2015, the Bank received and posted a payment of $435.37 which satisfied your payment due on September 3, 2015. On September 9, 2015, this payment was reversed, because you had placed a stop payment on the [redacted]. According to the [redacted] policy agreement, your policy covered the difference between the financed balance on your loan contract and the vehicle’s actual cash value should it be deemed a total loss. However, this [redacted] policy does not include coverage for unearned finance charges, any past due payments, or penalty fees, including late charges, if remained unpaid on the loan. As of September 30, 2015, the Bank has not received a payment from your [redacted] insurance claim. Please note you may have a final payment due after your [redacted] insurance payment is received by the Bank. It is important that you cover the difference that your [redacted] insurance company is not willing to pay. Therefore, we are not willing to reimburse you or make any adjustments to your vehicle loan at this time. Although we sympathize with the difficulties you encountered after your accident, we believe our Total Loss Department has processed the payments received from your insurance company appropriately. If you have questions regarding your total loss claim, please contact the Plan Administrator. [redacted] can be contacted at ###-###-####. I have enclosed a copy of your signed Total Loss Protection Addendum for your convenience and records. 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 service you financial needs in the future. 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, Patrick S. Office of the President Pc: Revdex.com Enclosed: Total Loss Agreement

[redacted] Date: March 28, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the letter you sent to the Revdex.com concerning your...

Essential Checking account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please also accept my sincere apologies for the difficulties you experienced when you previously contacted the Bank regarding this matter. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On March 21, 2017, the beginning balance in your checking account was $32.88. On March 21, 2017, two (2) items posted to your account totaling $127.57. Due to insufficient funds in the account to pay one (1) of the items that posted to the account, one (1) overdraft fee totaling $37.00 was assessed and posted to the account the following day. The ending balance in your checking account on March 21, 2017 was negative ($94.69). A copy of the Overdraft Notice dated March 22, 2017, is enclosed for your review and convenience. On March 22, 2017, the beginning balance in your checking account was negative ($94.69). On March 22, 2017, three (3) items posted to your account totaling $446.99. Due to insufficient funds in the account to pay one (1) of the items that posted to the account, one (1) overdraft fee totaling $37.00 was assessed and posted to the account the following day. The ending balance in your checking account on March 22, 2017, was negative ($461.68). A copy of the Overdraft notice dated March 23, 2017, is enclosed for your review and convenience. It is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. However, pursuant to your previous fee waiver requests, we have reversed $74.00 in overdraft fees over the past twelve (12) months, as a courtesy to you. In most circumstances, additional courtesy overdraft fee reversals would not be warranted; however, since we empathize with your situation, we have reversed an additional $74.00 in overdraft fees on March 27, 2017. Except in the case of a Bank error, any additional overdraft fee reversal requests over the next twelve (12) months will be declined. I want to be sure that you are aware that the Bank offers several options for Overdraft Protection. Overdraft Protection for a checking account allows funds from another account to be transferred into the checking if the checking account becomes overdrawn. If you are enrolled in Overdraft Protection, funds are automatically moved from another Fifth Third account that you own. Although there is an overdraft transfer fee of $12.00 per transfer, this is less than the fees that are assessed when your checking account becomes overdrawn without Overdraft Protection. For more information about Overdraft Protection, please visit your local Fifth Third Banking Center or contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday 8:30 a.m. to 5 p.m., ET. You will also find additional information on our website at 53.com. I also want to be sure that you are aware that Fifth Third offers alert services that provide you with information about your Fifth Third Bank Accounts, which can assist you with preventing future overdraft occurrences. You may sign up for a variety of alerts, including a text or email alert to notify you when your balance falls below a threshold that is comfortable for you. This real-time alert will notify you any time your debit card and Automated Teller Machine (ATM) transactions result in a balance lower than your designated alert threshold. Because checks and electronic payments are processed overnight, we cannot currently offer a real-time alert when your account becomes overdrawn. However, you can set up alerts to let you know when the balance reaches a specific amount you determine to allow you time to deposit additional funds before the account becomes overdrawn. For example, you could set up an alert to notify you when the balance reaches $20.00. You could then review the account activity to determine if all of your authorized transactions have posted, and if not, determine how much additional funds you will need to deposit to cover any outstanding items. You can also schedule an alert that notifies you when an overdraft notice is available to be viewed on our website. While this alert will not prevent an overdraft, it will allow you to correct the negative balance sooner, which can help prevent any additional overdraft charges from being assessed. For a list of the account alerts offered by the Bank, please visit the alerts section within online banking or our mobile app. For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions for Consumers 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. [redacted], thank you for your patience while waiting for a response. It is a well-known fact that no business can survive without its customers, and I want to assure you that we truly value your banking relationship with us. 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 Enclosures (3): Overdraft Notices; Overdraft Solutions for Consumers Document

After an additional review of the adjustments
made to your account, we determined that we did remove too many credits on
January 30, 2017. $500.00 was returned to the checking account on February 22,
2017. Please see below the text of the letter being mailed to the customer. Thank...

you. [redacted] Date: February 28, 2017 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. I also appreciated the opportunity to speak with you. We strive to provide quality service to all of our customers and I am sorry for your unsatisfactory experience during your previous attempts to resolve this matter. We appreciate the time you have taken to communicate your concerns. After an additional review of the adjustments made to your account, we determined that we did remove too many credits on January 30, 2017. $500.00 was returned to your checking account on February 22, 2017. It was not our intention to cause you any hardship and I apologize for the inconvenience this matter caused you. I did confirm that your account was not overdrawn during this interval and no fees were assessed. Please be assured that Fifth Third Bank takes your feedback seriously. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President

[redacted] Date: April 29, 2016 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. We completed a review of the Essential Checking account ending in [redacted]. Our review of the account included the following activity: * Your beginning account balance on March 29, 2013, was $4.53. Check number [redacted] posted to the account in the amount of $50.00. Because there were insufficient funds in the account to cover this check, a $37.00 overdraft fee was assessed to the account the following business day. * Your beginning account balance on April 3, 2013, was negative ($36.47). A debit card transaction in the amount of $9.09 posted to the account. Because there were insufficient funds in the account to cover this transaction, a $37.00 overdraft fee was assessed to the account the following business day. * Your beginning account balance on April 16, 2013, was negative ($82.56). A transaction in the amount of $5.00 attempted to post to the account. Because there were insufficient funds in the account to cover this transaction, it was returned, and a $37.00 overdraft/return item fee was assessed to the account the following business day. * On May 23, 2013, the account was charged off and closed. Because the account was charged off, a $30.00 charged off account fee was assessed, leaving an account balance due from you in the amount of $149.56. Because the negative balance of the account was charged off, the Bank reported the negative information to [redacted]. I have enclosed copies of the account statements and overdraft notices for your records and review. As a result of our review, we have determined that the information provided to [redacted] was accurate. Therefore, we cannot fulfill your request to remove the reporting. I apologize for any additional frustration this may cause you. If you would like to contact [redacted], you can reach them directly at ###-###-####. On December 16, 2013, your account was sold to [redacted] for further collection efforts. However, it is possible that this collection company sold the charged off account debt again to another collection company. If you’re contacted by a collection company regarding this account, you may request validation of the debt in question and contact information from the company. In April 2014, a check in the amount of $217.00 was sent to you as a result of the overdraft settlement. Although this check was sent to you for overdrafts on the account, the account was overdrawn by the three (3) previously detailed transactions. Please note that this does not affect the account being charged off and reported to [redacted]. 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 Enclosures: Statements, Overdraft Notices

Thank you for your comments. Our records indicate that all issues have been previously addressed and, since no new information has been presented, we have nothing to add to our prior responses.  Sincerely, Elizabeth D.Fifth Third Bank

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.   
Several customer service agents advised me the hold would be lifted on 3/6. So did the social media representative and As well as the Revdex.com person from corporate. Now they're telling me 3/7. Conflicting information that I don't agree with. My rent and car payment are now going to be 7 days late. I am requesting $300 in compensation for late fees and emotion distress. If this is not met, I will file a law suit for millions of dollars due to emotional distress caused by this company. I left for vacation today and Have NO MONEY due to this company. I will make sure everyone I know never uses this company and if they do, I will make sure they close their account. I've worked for my employer for over 3 years. If you switch bank accounts, your first check is paper check and following checks are directly deposited. I am so stresssd out about this situation I couldn't even go to work on Monday, 2/27. 5/3 could have advised me of this when I deposited my check, but didn't. Just because I didn't deposit it at a financial institution doesn't mean you couldn't have it available as a notice on the app. Also, when I first deposited my money, $100 was avaolable. And then they took it back. FRAUD. Scam. Fraud. 
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: September 9, 2015 Account: [redacted] Regarding Your Platinum Credit Card Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Platinum...

Credit Card. We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. To maintain the security of your account, I am sending this letter to the mailing address we currently have on record for you. I noticed that the address you use in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your complaint. I encourage you to call customer service to make sure your address is properly updated. They can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, and Saturday 8:30 a.m. to 5 p.m., ET. We completed a review of the Platinum Credit Card account ending in 4064, which was opened on June 24, 2014. You made purchases on the account on July 11, 2014, and July 14, 2014. Please be advised, the 0% introductory APR for the Platinum Credit Card was available for the first twelve (12) billing cycles after the account is opened. The account was assessed interest charges on July 3, 2015, in the amount of $56.50, and on August 4, 2015, in the amount of $55.10. We completed a review of your telephone calls with the Bank, and we regret the misinformation you received regarding the promotional period. Because of this, on August 5, 2015, we reversed the interest that was assessed on July 3, 2015, in the amount of $56.50, and this amount was credited back to the account. In addition, on September 4, 2015, we reversed the interest that was assessed on August 4, 2015, in the amount of $55.10, and this amount was also credited back to the account. I am sorry for any concern it may have caused you when you did not receive a phone call regarding the interest being credited back to the account. We also reviewed our records to determine the closing time for the [redacted] Square Banking Center on September 1, 2015. Our review indicated that the banking center locked their doors at 5:00 p.m., as scheduled. Therefore, we are unable to accommodate your request to waive the interest assessed for the month of September. I am sorry for any frustration this may cause you. Please note if you wish to mail the payment, you may do so at any time to the address listed on the monthly statement: Fifth Third Bank PO Box 740789 Cincinnati OH 45274 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

[redacted] [redacted]     Date: March 11, 2016     Account:    [redacted]Regarding Your Fifth Third Bank Real Life Rewards [redacted]Dear [redacted]: We received a copy of the follow up complaint you...

filed with the Revdex.com, concerning your Real Life Rewards [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. Your original complaint was filed on January 25, 2016. We received your follow up complaint on February 29, 2016. However, we stand by the response conveyed to you in the previous letter sent on February 17, 2016.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. Please be assured that the relevant parties have been contacted to express your dissatisfaction with the service you received.Although the Bank has received and processed payments from [redacted] on your behalf since March 2015, the Bank did not receive a proposal for your account until December 14, 2015. The payments were mailed to our standard credit card payment address. The payments were not processed as part of an agreement negotiated by [redacted] on your behalf. On December 14, 2015, the Bank received a proposal from [redacted] ([redacted]) regarding a payment plan for your credit card account. On December 15, 2015, the Bank was contacted by Krystal, from [redacted], regarding the proposed payment plan. During that conversation, Krystal was informed that the account in question ([redacted]) was not a valid account number. Our agent suggested to Krystal, that the card might be your credit card ending in [redacted]. The Bank rejected the initial proposal on December 15, 2015, because the account number was not a credit card account.On December 17, 2015, the Bank received an offer of $44.00 payments toward your debit card account ([redacted]). The Bank faxed a counter-offer to Krystal at [redacted] for a payment of $52.00 on the correct account ending in [redacted]. On December 22, 2015, the Bank received an offer for the correct account number ending in [redacted] with monthly payments of $52.00. The Bank accepted this payment plan. The first payment of $52.00 was due on January 20, 2016. The Bank has lowered your interest rate to a fixed rate of 5.99%. Please use the enclosed statements as verification of the lower interest rate beginning with your statement dated December 24, 2015.Please note, the Bank did receive a $49.40 payment on January 11, 2016. This is the last payment made toward your credit card account. It should also be noted, the total late charges on your account are $375.00.  As we explained in our previous response, you were charged a late fee because you failed to make the minimum payment by the due date on your credit card statement.  The following fees correctly posted to your credit card account:• $25.00 fee o January 22, 2015• $35.00 fee o February 24, 2015o March 24, 2015o April 24, 2015o May 22, 2015o June 22, 2015o July 22, 2015o August 22, 2015o September 22, 2015o October 22, 2015o November 24, 2015It 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 PresidentPC: Revdex.comEnclosure: Credit Card Statements

[redacted] Date: April 27, 2018 Regarding Your Experience Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your experience. We appreciate the time you have...

taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We have completed a review of your concerns regarding your attempt to open a new account. When a customer requests to open a new account with us, our Personal Bankers ask a series of questions to determine which of our accounts best suit the customer’s needs. I can assure you that these questions are not meant to cause any frustration but rather to ensure that we offer products and services that will benefit our customers. If you would still like to open an account with Fifth Third Bank, we would be happy to assist you with doing so. You may visit a local branch or if you prefer, you may open the account via telephone. If you would like to open the account via telephone, please call our New Accounts Department at ###-###-####, Option 2, Monday through Friday, 8 a.m. to 8 p.m., and Saturday 8 a.m. to 5 p.m., ET. We would also be happy to honor the promotional offer you received so long as the terms of the offer are fulfilled and it has not expired. 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, Jennifer M.Office of the President Pc: Revdex.com

[redacted] Date: November 10, 2015 Regarding Your Experience Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning the level of service you received from the Bank. We...

appreciate the time you have taken to document your thoughts and concerns regarding this matter. We strive to provide professional and accurate service to our customers and I regret that the service you received did not meet that same high standard. Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers. Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. I apologize for the situation that occurred when the direct deposit you made did not get applied accurately to your [redacted] card, which caused a delay in youreceiving the funds. In order to compensate you for the inconvenience you experienced in conjunction with this situation, the Bank deposited funds totaling $267.18 into your checking account ending in [redacted] on November 5, 2015. The funds totaling $267.18 included the $17.18 still remaining on your [redacted] card ending in [redacted] and the $250.00 that you were required to borrow due to this circumstance. A review of our files revealed that your [redacted] card was closed by the Bank due to a Pattern of Use issue. I appreciate this opportunity to address your concerns. On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter 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, Carolyn G. Office of the President

[redacted] [redacted] [redacted] Date: January 30, 2018 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 opportunity to respond to this matter, and we sympathize with the difficulties you have experienced because of Hurricane [redacted]. 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. As you are aware, the Bank provided a three (3) month payment forbearance for our customer’ whose homes are located within a Federal Emergency Management Area (FEMA) disaster zone. The three (3) month payment forbearance means that you are not required to make a mortgage payment during the forbearance period. In addition, late charges will be waived and no negative credit reporting will be sent to the credit reporting agencies. However, although loan payments are not required during the forbearance period, interest will continue to accrue, as the loan is still active. It should be noted that a forbearance period does not defer payments and place them at the end of the loan. At the end of the forbearance period, we extended three (3) options: 1. Provide a lump-sum payment to bring the loan current. ** No late fees will be charged during the ninety (90) day period. ** This would not negatively impact your credit report. 2. Extend the payment relief forbearance period. ** Additional forbearance in three (3) month periods, up to a total of twelve (12) months. ** No late fee will be charged during the forbearance period. ** This would not negatively impact your credit report. 3. Request a modification to your mortgage loan. **Avoid making a lump-sum payment. ** May keep a similar monthly mortgage payment. ** There is minimal paperwork and no closing costs are charged. ** This change would not negatively impact your credit report. ** The term of the loan would be extended. I have enclosed the letter that was mailed to you on January 4, 2018, which explains these options to you. This letter also asks that you complete either the Verification of Employment form or a modification application if you would like to modify your loan and provides our contact information if you would like to discuss these options. Please note that we are unable to move forward with a modification without this documentation. We regret any difficulty this may have caused you. Please be assured that due to the forbearance, you were not required to make a payment between October 1, 2017, and December 31, 2017. On September 29, 2017, a call was made to our Auto BillPayer Department to place a temporary hold on your Auto BillPayer payments. I have confirmed that the payment hold was successful and Auto BillPayer did not draft any payments during that time. During the telephone call with the Auto BillPayer Department, we confirmed for you that the payments were on hold until December 31, 2017, and that payments would resume on January 1, 2018, without any further action from you. As a result, a payment in the amount of $745.83 was drafted via Auto BillPayer on January 5, 2018. However, we also received a payment from you in the amount of $745.83 on January 2, 2018. Please note that this was not a payment drafted in error by Auto BillPayer but rather a payment that was initiated via 53.com. Per your request, we reversed the January 5, 2018, payment on January 11, 2018, and returned these funds to your checking account. As of January 25, 2018, we have not yet received payments to satisfy the November 1, 2017, December 1, 2017, or January 1, 2018, due dates. If you are still experiencing a hardship and would like to discuss your options, such as a loan modification, please contact our Loss Mitigation Department at ###-###-####, option 3, Monday through Friday, 8 a.m., to 5 p.m., ET. Our specialists would be more than happy to assist you in reviewing the options available to you. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Office of the President Pc: Revdex.com Enclosure: Letter Dated January 4, 2018

February 25, 2016 DearApril Q.: We have received a copy of your letter dated February 11, 2016 in addition to a copy of our mortgage agreement. We appreciate the time you have taken to respond to some of our requests. We reference you to Exhibit A, a letter from you dated January 22, 2016 that states we would have a response mailed to us within fifteen (15) to twenty-five (25) days. Please note that your response was received to our PO Box on February 21, 2016 which is in excess of the time frame noted in your letter. Thank you for your review of the United States Postal Service Receipts that we supplied to you. We have to pay additional monies in order to insure us the security that our payments are being received when they are delivered. You state in your letter that the receipts provided list expected delivery dates, which are not guaranteed. Finding it odd for the Federal Government to offer a two-day (2) mailing service and charge the consumer for something that is not guaranteed we took it upon ourselves to further investigate. We bring your attention to Exhibit B. We spoke with the post master of the [redacted] post office, which is a branch of the United States Postal Service. We were provided and advised that all bar codes that are on the receipts, in which we supplied to you are scanned and signed for, just like shown in the exhibit. Fifth Third has the abilities to go on line under the USPS tracking and pull up all tracking to show when you received our payments vs. how long it took Fifth Third to cash check. Thank you for reviewing our payment history and believing that there was no bank error, but we are forced by evidence to disagree. It is not our error for the poor management by the bank in how long it takes for your employees to process our payment. It is odd that in review of your letter dated February 11, 2016 all the alleged "30 day" late payments are literally alleged at (1) one day late. This brings us back to our first paragraph in this letter. Which then brings us to our monthly increase of ($400) four hundred dollars a month due to "low escrow", and the added stress due to poor management of our account. Which leads to ask the question on how Fifth Third determines a payment is "late". is it determined by receipt of the check by Fifth Third bank? or is it determined by when the check is cashed? Either way I would like documentation to that effect so going forward there is no confusion. On January 26, 2016 your Escrow Department updated our escrow portion of the monthly payment to reflect the insurance premium. Because of this, effective February 1, 2016 we received a new mortgage payment of $3124.01. This request for an Escrow review, was made via telephone to Fifth Third Bank back in July 2015. At that time we advised the Fifth Third representative of our new Home Owners carrier, [redacted], along with the reduction of premium. Our request went unacknowledged. Fifth Third Bank, alleges that upon review of our escrow account, you then issued a Home Owners payment to Tri-State Consumer on August 3, 2015 in the amount of $2097.00. and was returned by Tri-State Consumer to Fifth Third on August 27,2015, due to the Fifth Third Bank error. Fifth Third Bank then on September 18, 2015 decided to review our request for the escrow account to be reanalyzed and determined a reanalysis was not require. This does prove that Fifth Third received our request in July 2015 but took (2) two months for Fifth Third Bank to complete. Please refer to Exhibit C (2) two letters dated January 26,2016 from Fifth Third Bank. These letters state "we have corrected the amount of your monthly payment". Fifth Third Bank admits to bank error once again. We spoke on February 22, 2016 and we advised you that on our Mortgage Loan Statement dated 2/11/2016 for our March 2016 statement there was a charge for a past due payment of $6.13. Please refer to Exhibit D. As such our January 11, 2016 statement did not note this "past due payment"? Also our conversation with you in January 2016 you advised that our account was current. Also our February 8, 2016 payment was cashed on February 12, 2016 which is prior to the (15) Fifteenth of the month. So why would this "past due payment" be reflected in March but not February? Another Fifth Third Bank error? Fifth Third Bank has also supplied us on our Mortgage Loan Statement dated 2/11/16, please refer to Exhibit E that there were "Unapplied funds" posted to our account on January 25,2016. Further explanation of these "Unapplied funds" and what these funds are, are being requested. On behalf of my husband [redacted] and I we are unable to accept apologies from Fifth Third Bank due to their poor handling of our mortgage account. We have owned (3) three homes and (2) two currently and have never incurred these issues over the past (18) eighteen years. Should Fifth Third wish to do the right thing and provide quality customer service to us as the consumer we are willing to work with you. Based on the errors noted above we are again requesting Fifth Third to remove these alleged (1) one day past (30) thirty day late off our credit report. Please refer to Exhibit F. As you can see by our credit report we have been perfect for years, only issue being Fifth Third Bank. We are aware of the over (10,300) ten thousand three hundred complaints to the Revdex.com and multiple Class Action law suits against Fifth Third Bank, so we are not the only ones with issues. We formally request that your revisit your prior letter and provide us with the customer service that we deserve. Thank you for your time and attention to this matter. Sincerely, [redacted] and [redacted] Pc: Revdex.com

[redacted] Date:             August 17, 2015 Account:               [redacted] Regarding Your Savings Account Dear [redacted]...

[redacted]: We received a copy of the complaint filed with the Revdex.com regarding the monthly service charges assessed to your savings account. We appreciate the time you have taken to document your concerns regarding this matter. Your comments expressing less than quality customer 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. Please be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received and passed along your concerns. Our savings accounts have a $5.00 monthly service charge that is automatically waived if one of the following is met: You have a Fifth Third checking account, with the same ownership.You maintain an average monthly balance of $500.00 or more.You are a minor or someone under the age of eighteen (18) is an owner of the account.You are enrolled in Fifth Third Military Banking. I apologize if you were not previously aware of these requirements. I have enclosed an additional brochure of our savings accounts for your review. This brochure was provided to you at the time you opened your savings account. A statement of your activity is sent out each quarter on savings accounts. I have enclosed copies of each statement that was sent to the address on file. I regret any frustration this matter may have caused you. Our records indicate that a total of four (4) monthly service charges were waived on your account by Felecia G., Financial Center Manager at the [redacted] Banking Center. After the fee waivers, the balance in your account was $11.01. On August 7, 2015, you withdrew this amount and closed out the savings account. At this time, your savings account remains closed.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 contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, Lisa S. Office of the PresidentPc: Revdex.comEnclosures: Savings Account Statements, Savings Account Brochure

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  In the response, Fifth Third Bank states that they wait (10) ten days after a loan is closed before issuing refunds. In following their ten day protocol, a refund of $575.00 should have been issued to me on December 8th when the check for $13.23 was mailed to me. That was ten BUSINESS days after I had paid off the loan. In talking with a supervisor, it was admitted to me that Fifth Third had made a mistake and their was no reason why the check for $575.00 was not written. The woman supervisor told me that was a mistake on Fifth Third Bank's behalf. Therefore, I had to wait yet another additional ten days to receive my refund. If I would have been late on a loan payment I would have been immediately been charged a late fee with no questions asked, yet Fifth Third makes a clear mistake, violates their own policy, and I am supposed to be okay with that. I deserve compensation for the days I did not have my money. Fifth Third did not follow what they have outlined in the response.
Regards,
[redacted]

[redacted] [redacted] ** [redacted] Date: February 7, 2017 Savings Account: [redacted] Secured Credit Card Account: [redacted] Secured Credit Card Account: [redacted] Regarding Your Identity Theft Claim Dear [redacted]: We...

received the complaint you filed with the Revdex.com regarding your credit bureau reporting and your concerns about identity theft. We appreciate the time you have taken to express your concerns regarding this matter. Fifth Third Bank takes protecting financial and personal information very seriously. I also appreciated the opportunity to speak with you. On April 23, 2012, the Secured [redacted] Credit Card ending in [redacted] was opened. It was secured by funds on deposit in the savings account ending in [redacted] opened the same day. The credit card was reported lost, or exposed, November 16, 2012. It was blocked and the replacement card ending in [redacted] was sent. The account was revoked due to non-payment, and funds from the savings account were transferred to pay the credit card down on February 27, 2014. The remaining balance on the card was paid in full on September 10, 2014. The savings account was closed at a zero (0) balance July 14, 2014. Due to your statements that these accounts were opened without your authorization, a case was opened with our Dispute Resolutions Department. The case number is [redacted]. We strive to resolve all investigations as quickly as possible and will communicate the results of the investigation in writing once our research is complete. In addition, the Bank will submit any necessary updates to the credit bureau reporting agencies. If you would like to contact our Dispute Resolution Department, they can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### 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, Alison S.Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  The business just photocopied the user agreement which I already know says they can reduce my limit whenever they want. What they have failed to address is why they would do that when my account has consistently been paid and has always been in good standing. It is death by a 1000 cuts every time I make a substantial payment they lower the limit, resulting in a notification sent to the credit bureau. It has happened at least five times. I am paying on time at least 5x payment and getting negative reports on the credit bureaus. Last time my credit dropped 10 points. Also this time the drop in limit put me over the limit. This is illegal!!!! Nowhere on the crappy photocopy is this explained
 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  Business did contact me and I did recieve my payoff letter, good job.Can you please close the complaint,Complaint ID...

#[redacted],   
Regards,
[redacted]

This message is regarding Complaint ID # [redacted]- Fifth Third BankI am sending this message to ask why you closed the aforementioned complaint while I have specifically asked in the response for more information. The business’s only response only pertained to the deposit, not the fact they deliberately stopped sending any type of communications until the day before the complaint.The “issues” in the complaint are, in order of appearance (from the earliest message to the latest):The deposit. (Although I know that by this point, I am not likely to get this amount back, especially since you dropped the case with minimal evidence from Fifth Third. I am mostly pressing them at this point to admit wrongdoing.)The fact that I was not given any correspondence before the events of this started happening. Although I would normally let an amount as small as the case here go, I would at least like to have advance notice, which I was never given and Fifth Third has still yet to look into. Although they claim that they sent it, I can assure you I have not received any sort of “August 2016 Account Statement”.A smaller matter, Fifth Third has still only sent generic documents pertaining to standard accounts, nothing pertaining to student accounts. While I understand that they share many of the same rules and regulations, the clause associated with the student accounts (see the previous message for a URL) that no monthly fees would be accessed, or the “no fees period” (which supposedly waved any and all fees as long as I still attended the university that I signed up in, upon which it would convert to a standard or express checking/banking account) that was associated with the Fifth Third Branch where I opened this account.Of these, I asked for the third one specifically in the response message (which they will most likely not look into unless this case is re-opened), and the second was not addressed in the business response at all. So, please consider reopening this case so I can have an actual resolution, not a generic response. I will accept the resolution (even without the deposit) if they provide proof that it is not one of the fees waived in a student account or they admit wrongdoing for withholding mail correspondence before the fee started being accessed.Sincerely, [redacted]