Fifth Third Bank

*** ** *** ** *** *** *** ** *** Date: *** 27, Account: *** Re: *** Checking Account Dear *** ** ***: We received a copy of the follow up complaint you filed with the Revdex.com concerning your *** Checking accountWe appreciate the time you have taken to document your thoughts and concerns, and I apologize if our initial response did not address all of your concernsUpon further research, we have determined that direct deposits from *** *** were typically presented to the Bank on ThursdaysPlease note that the posting order of transactions may be affected due to circumstances beyond the Bank's control, such as delays by a third partyOn Friday, November 28, 2014, two (2) direct deposits posted to the account: $from *** *** and $from *** Area ***Please note that Thursday, November 27, 2014, was a holiday, and the Bank does not post transactions on holidays or non-business daysFor additional information pertaining to the availability of your direct deposit transactions, we recommend you contact the initiator of the transactionI am sorry for any inconvenience or frustration this may have causedPer your request, we have thoroughly reviewed the overdrafts in the time frame that you mentionedResearch shows the checking account was overdrawn on and covered by the overdraft protection provided from the credit card account ending in on the following: Monday, November 24, 2014, overdrawn in the amount of $and overdraft protection transferred $50.00, the minimum transfer amount, into the account on November 25, 2014, to cover the negative balance plus the $fee that was assessed for the overdraft transfer.Wednesday, November 26, 2014, overdrawn in the amount of $and overdraft protection transferred $50.00, the minimum transfer amount, into the account on November 28, 2014, to cover the negative balance plus the $fee that was assessed for the overdraft transfer.Tuesday, December 2, 2014, in the amount of $and overdraft protection transferred $into the account on December 3, 2014, to cover the negative balance plus the $fee that was assessed for the overdraft transfer.Wednesday, December 3, 2014, in the amount of $and overdraft protection transferred $50.00, the minimum transfer amount, into the account on December 4, 2014, to cover the negative balance plus the $fee that was assessed for the overdraft transferI have enclosed a copy of the statement as well as the overdraft notices for your records and reviewPlease note that we stand by our previous response that was sent to you on *** 17, 2015, and are unable to waive any additional fees.You also mentioned that our prior response stated that you did not have overdraft protection for the checking accountAs we previously explained, as of the March 23, 2015, overdraft while you did have overdraft protection provided by the credit card account ending in 0431, this account had already exceeded the cash advance limit and was not available to cover the overdrawn amountBecause overdraft protection was not available, you were assessed the standard fee amount, which is $per itemI apologize for any misunderstanding this may have caused.Additionally, on March 12, 2015, your checking account was assessed an $monthly service feeFifth Third's Employer Banking Program's benefits include an *** Checking account with the monthly service charge of $waived when you have direct deposits totaling $or more each month, or $1,in combined monthly balances across all of your accounts with the BankBecause you did not meet the direct deposit or balance requirements for the previous statement period, your account was properly charged the monthly service feeI have enclosed a copy of this statement for your records and reviewI apologize for any frustration this may have caused.We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused youIf I could be of further assistance to you, please call me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely,*** ***Consumer Resolution Specialist Office of the PresidentEnclosures (6): Statements and Overdraft NoticesPc: Revdex.com

*** ** *** *** *** *** ** ***Date: March 24, 2015 Account: ***, ***Re: Enhanced Jeanie Cards DisputesDear *** ** ***:We received a copy of the complaint filed with the Revdex.com
regarding disputed purchases that posted to your debit cardsWe appreciate the time you have taken to document your thoughts and concerns regarding this matterWe would like to offer our sincere apologies for any inconvenience this matter may have caused you.On February 2, 2015, we received your disputes for debit card purchases totaling $on your debit card ending in ***On February 4, 2015, your checking account was credited a total of $and these credits are fmalOn February 25, 2015, we received your debit card disputes for purchases totaling $on your debit card ending in ***On March 2, 2015, your checking account was credited a total of $for the disputed items and the credits that posted to your checking account are final and our investigations are completed.We regret any frustration this matter may have caused you and we sympathize with the difficulties you have encountered with your accountsOn March 19, 2015, both referenced debit cards were closedOn March 18, 2015, your checking account ending in *** was closed out and on March 19, 2015, your checking account ending in *** was also closed out, per your requestI hope this letter addresses all of your concerns and you are satisfied with the resolution.If you believe that your identity has been stolen, you may want to contact your local law enforcement agency to report your concernsYour local police department will be able to assist you with completing the necessary documents to investigate any additional fraud that may have occurred.Thank you for your patience while we researched this matter for youYou were a valued customer and we hope you will allow us to service your fmancial needs in the futureIf I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####.Sincerely, *** ***Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

*** ** *** *** *** *** *** ** *** Date: May 22, Account: *** Re: Credit Reporting
Dear *** ** ***: We received a copy of your complaint filed with the Revdex.com, concerning your Fifth Third Bank installment loanWe appreciate the time you have taken to express your concerns and for bringing this matter to our attention Your comments expressing less than quality customer service are very concerningWe strive to provide accurate and professional services to our customersWe understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience this matter might have caused you. We regret that the proof of insurance from *** *** was not received by the BankProof of full coverage vehicle insurance is required at the loan contract signing and throughout the life of the loanOn January 5, 2015, February 4, 2015, and February 19, 2015, we mailed notifications to your address on file to inform you that we had not received proof of your insurance policy for your vehicleFor your records, I have included copies of the notifications Each notification provided the direct contact information for our Insurance CenterI apologize if the banking center was not able to supply our Insurance Center’s contact information upon your initial request On March 6, 2015, force placed insurance costing $2,was added to your loan since we did not receive proof of insurance as previously requestedAs a result, your monthly loan payment increased After our Insurance Center received a copy of your insurance policy on May 5, 2015, the force placed insurance totaling $2,was credited back to the accountThe credit was backdated to March 6, 2015, to ensure removal of all fees associated with the force placed insuranceAlso, the credit reporting for your account was not adversely affected by the force placed insuranceYour payment of $posted to your account on May 8, Since this was more than your payment amount of $266.07, a payment of $remains due for May 28, Your payment amount of $will be due beginning with your payment due on June 28, Your feedback is important to us, so that we can better understand how we can improve our service to youAdditionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction We value your relationship with Fifth Third Bank and appreciate the opportunity to respond to this matterIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-#### Sincerely, *** *** Consumer Resolution Specialist Office of the President Enclosures (3): Notifications Pc: Revdex.com

*** ** *** *** *** *** *** *** ** *** Date: May 21, Account: *** *** Re: Customer Service Experience Dear *** ** ***: We received a copy of your rebuttal from the Revdex.com, concerning your Fifth Third Bank debit card and your experience at the *** Banking CenterAgain, we appreciate the time you have taken to bring this matter to our attention The block placed on your debit card was not intended to cause you any hardshipOur Fraud Department confirmed that three (3) consecutive charges on your debit card at a vending machine for $on April 29, 2015, triggered the fraud blockOur Fraud Department believed these were test transactions for fraudThe purpose of the block was to have you call us so that we could verify the card was in your possession Our records confirm that you received credit from our Dispute Department for the transactions you disputed in the amounts of $for *** ***, $for ***, $for ***, and $for *** on May 8, 2015. You also received credit for a total of $in service charges and $in overdraft fees on May 8, As stated in my previous response, the balance in your checking account was $on May 11, A total of $in fees was credited back to your account, which included the $overdraft transfer feeFive (5) transactions posted to your account totaling $1,354.34, creating an ending available balance of negative ($516.02)These transactions consisted of a cash withdrawal of $838.32, a cash withdrawal of $500.00, an online payment of $to *** ***, a *** transaction for $3.77, and a *** transaction for $Due to non sufficient funds four (4) overdraft fees totaling $were assessedThe ending balance was negative ($664.02)I have included a copy of the overdraft notice for your review. On May 13, 2015, balance in your checking account was negative ($664.02)A credit of $posted to your account from Louisiana DSSOne (1) *** transaction for $posted to the account as well, creating an ending available balance of negative ($655.46)Due to non sufficient funds one (1) overdraft fee of $was assessedThe ending balance was negative ($692.46)I have included a copy of the overdraft notice for your review. On May 15, 2015, balance in your checking account was negative ($692.46)One (1) transaction of $posted to the account from ***, creating an ending available balance of negative ($763.02)Due to non sufficient funds one (1) overdraft fee of $was assessedThe ending balance was negative ($800.02)I have included a copy of the overdraft notice for your review. Due to the negative balance in your checking account ending in *** the account could not be closed on May 11, If you make a deposit of $to the checking account, the *** *** Bankmart is willing to waive the overdraft fees totaling $and close the checking account with a zero balance. We conducted an investigation of your claims concerning *** *** and we are not able to provide the results or any additional information concerning our investigationHowever, when the police are called to the banking center it is solely to ensure the safety of all of the customers, and banking center staff at that facility The Bank takes comments of unprofessional conduct and claims of discrimination very seriously and does not make banking decisions based on race, color, religion, national origin, sex, marital status, age, disability, familial status, or the receipt of public assistanceRespecting diversity is a priority at Fifth Third Bank as it provides a broader and richer environment for creative thinking and innovation, which are at the heart of successful banking and customer service On behalf of the Bank, we apologize that you did not receive correspondence back from Senior Management or the Regional Manager during your previous experiences with the bankPlease be assured that your feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction I have also contacted the relevant parties to express your dissatisfaction with the service you received from *** *** and passed on your concernsWe understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience these matters have caused you. We realize you have requested an apology directly from *** ***However, due to the circumstances we are not willing to have *** *** contact you directly We hope this correspondence will help you understand Fifth Third Bank’s position going forwardWe appreciate your patience while we researched your requestIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-#### Sincerely, *** *** Consumer Resolution Specialist Office of the President Pc: Revdex.com

I got a quote from Markovich Contracting on 8/8/ I agreed to the quote the same day After many attempts to contact Markovich, as to the status of the work, he finally emailed me on 8/29/ He said he was going on vacation, but he would get to it the week of 9/5/ I called and emailed several times between 9/8-9/12/to find out what was happening with the work I was finally contacted (by his wife) on the afternoon of 9/12/ She informed me that after over weeks of being promised the work would be completed, he was not going to be able to do the job Completely unacceptable

We received a copy of the complaint yousubmitted the Revdex.com regarding your experience at the *** RoadBanking CenterYour feedback is very important to us as it allows us to betterunderstand how we can improve our service to you.On behalf of the Bank, please accept my
sincereapologies for the level of service you received when you recently visited the*** Road Banking CenterPlease be assured that Fifth Third Bank takes thesematters seriously, and we strive to provide an exceptional experience to ourcustomersAfter receiving your complaint, I forwarded your concerns to seniormanagement in the *** region who thoroughly researched this matterI alsowant you to know that customer feedback is reviewed by our senior and executivemanagement teams as part of our ongoing commitment to improving our customers'satisfaction.It was certainly not our intention to cause youany hardshipAs a matter of clarification, please note that *** ***requires two (2) forms of identification when processing a transaction ofgreater than $3,The banking center was unable to process yourtransaction because Western Union would not accept your second form ofidentification.Thank you for your patience while waiting for aresponseIf I could be of further assistance to you, please contact medirectly at ###-###-####, or toll free at ###-###-####.Sincerely,*** ***Senior ConsumerResolution Specialist Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
I accept your apologyI still feel like you should comp my checks or at least refund the monthly fee for AprilI'm just tired of dealing with this

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
My complaint is Fifth Third didn't service my account properlyAmerica Funds has the product that Fifth Third sold meThey(5/3) was paid a fee to service my accountThat's what my compliant isSimply put, had I been assigned a representive to handle my account after the representative that was assigned to me left the bank there would have been someone to properly advise me on my accountOther accounts, like mine were serviced with Fifth Third representatives, why not mine? If it is going to be left up to me to read through all the legel ease and self service my account, then the public needs to know thatWhen speaking to America Funds about this matter, I was told that is why their products are sold through financial institutions so the accounts can be managed to protect the customers interestAnd keep in mind they are paid a fee to do soAdded Note - The person that responded to the complaint told me in a phone conversation that "it didn't matter who I voiced my complaint with, that it would always come back to her and she would have the same amswer." And the answer was rendered without ever showing me the respect of speaking to me to hear my side of the issueThis to me is a fine example of a big banks arrogance
Regards,
*** ***

February 17, 2015 *** *** *** *** *** *** *** *** *
*** ** *** Re: Account #***Dear *** ***: We received a copy of the complaint you filed with the Revdex.com dated February 5, 2015, concerning the hold placed on your
depositWe appreciate the time you have taken to express your thoughts and concerns regarding this matter. We strive to provide professional and accurate service to our customers and I am sorry if that has not been your experienceCustomer 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 customersPlease be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulationsThe Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraudOn the day of your deposit, a combined $*** from all deposited checks is available immediately; the remaining funds will be made available on the next business dayCash deposited into an account is immediately availableFor deposits made on Saturday, Sunday, or a Federal Holiday, the day of your deposit is the next business dayA business day is defined as Monday through Friday, excluding Federal HolidaysDeposits received after certain cut-off times may be credited as of the next business day. In some instances, we reserve the right to place a hold of a longer period of time on a depositThe full amount of the deposit will not become available until the hold has endedAvailability of the funds will generally be no later than the seventh (7th) business day after the day of your deposit. The Bank’s policy on holds placed on your deposit is outlined in the Rules and Regulations booklet that you received when you opened the account. On January 30, 2015, a check was deposited in the amount of $***A hold was placed on this deposit due to the repeated overdrafts that had occurred on your checking accountIn the two (2) months prior to this deposit, your account had become overdrawn on eight (8) occasionsA letter dated January 31, 2015, was mailed to you to advise you of the hold on the depositAs Fifth Third Bank, Member***Equal Housing LenderFifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp explained on that letter, the full amount of this deposit became available to you on February 10, Enclosed is another copy of the letter for your files. We empathize with the difficulties you have encountered with the accountHowever, we are not willing to reverse any additional overdraft charges at this time. For your convenience, I have enclosed a reference guide titled Fifth Third Overdraft Solutions. This guide provides additional information related to the overdraft charges that we assessed to your checking accountWe also offer ways to track your balance and manage accounts to help avoid overdraft charges on your accounts in the future. I can assure you that it was not our intention to cause you any frustration or hardshipOn behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused youIf I could be of further assistance to you, please call me at *** ***
** *** *** ** *** *** Sincerely, *** *** Consumer Resolution Specialist Office of the President

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Revdex.com:
I have tried to contact the business with the provided number, and it rings twice and you are asked to leave a message I am very disappointed with your response, it did not touch base with my individual situation and was very vague about how your checking account works, I'm already aware of that I have paid $in service fees and was not notified by you that there would be a fee since I did not have my Mortgage anymore At that point Fifth third should offer their customers options to switch to a different account and notify them I did NOT know the account was being charged again because I do not receive bank statements in the mail I had the account for years before with a mortgage and no fee was charged But obviously none of this matters to you and you are not seeing through the customers point of view and offer no fair solutions in the matter.My main concern is that you have not address My account was closed March 20th The last fee was charged for March 16-April 16th Being my account was closed on March 20th and will not be used obviously until April 16th , I at least should receive the last service fee back, being you cannot charge me in advance for something I am not using The account is closed At the least you should PRO rate the service charge and issue me a check
Regards,
*** ***

October 15,
*** * ***
*** ***
*** *** *** ***
*** *** **
***
Re: Checking
Account***
Dear Mr*** and
Ms***,
We received the letter you sent to Kevin Kabat
and the complaint you filed with the Revdex.com regarding
the
deposits that posted to your checkingWe appreciate the time you have taken to
document your thoughts and concerns regarding this matter
Your comments expressing less than quality
customer service are very concerningWe strive to provide accurate and
professional service to our customers and I regret if this is not the level of
service you receivedPlease be assured that I have contacted the relevant
parties and expressed your dissatisfaction with the service you received and
passed along your concerns
On July 23, 2014, you opened a joint checking
accountAt the time the account was opened, $*** was depositedOn August
26, 2014, we received a $*** deposit through Mobile BankingOn August 27,
2014, we received a deposit for $*** through Mobile BankingPlease
understand that deposits through Mobile Banking are electronic and an I.Dis
not requiredOn August 27, 2014, an ATM (Automated Teller Machine) withdrawal
for $*** was authorized at an *** *** ATM in *** ***, through Mr
***'s debit card ending in Additionally, on August 27, 2014, a $***
debit card purchase was authorized from a *** Gas Station in ***
***These transactions posted to the account on August 28,
The *** *** Mobile Deposits were returned for
being counterfeitThe total of $*** was debited from your account on
August 29, Additionally, *** *** $*** return deposit item fees were
assessed to the account
With these funds
being debited, your account ended with a negative ($***) balance on August
29,
We are not able to close an account at the
customer's request that is not at a zero balanceIn the case in which
fraudulent activity has posted to the account, we are able to block the account
to prevent additional funds from being withdrawnOur Bank Protection
Department placed a hold on the account on August 28, On September 18,
2014, the account was closed and the negative balance of ($***), which
included a $*** charge off fee, was sent for collection
We strive to detect forged, altered, or
counterfeit items in order to prevent fraud or loss for our customers and the
BankHowever, the Bank is not able to prevent every type of fraudPlease
understand that we are not permitted to place extended holds on all deposits
that are greater than a certain dollar amountIt is important to note that at
no time were fraudulent checks cashed or withdrawals performed at a Fifth Third
Bank Financial Center
FIFTH THIRD BANK
I understand your concerns regarding the deposits to your checking
accountHowever, the negative balance in your account was caused by the ATM
withdrawal and debit card purchaseIf the ATM withdrawal and debit card
purchase that were processed on August 27, 2014, were not authorized by Mr
***, he is able to dispute the chargesIf Mr*** would like to dispute
these withdrawals, please contact me at the number listed belowIf Mr***
disputes the debited items, and his disputes are approved, we can update the
account accordingly, which will include removing the account from collections
If you would like to make payment arrangements for the balance of $*** that
is owed, please contact *** *** at *** ***
We appreciate your patience while we researched this matterIf I
could be of further assistance to you please contact me directly at ***
*** ** *** *** ** *** ***
*** * ***
Consumer
Resolution Specialist Office of the President
Pc: *** *** CEO Revdex.com

October
10,
***
***
***
*** *** ***
***
** ***
Re:
Installment Loan ***
Dear
*** ***
We
received a copy of the complaint you submitted to the Revdex.com
regarding your
installment loanWe appreciate the time you have taken to
document your thoughts and concerns regarding this matter, and we sympathize
with the difficulties you have experienced
Your
installment loan is considered past due for payment if we do not receive your
total monthly payment by the due date indicated on your contractThe final
calendar day of your grace period for the installment loan is not considered
the due date for your payment obligationsThe grace period indicates when a
late charge will actually be assessed to your installment loan for a past due
paymentThere is a ten (10) day grace period on the installment loan, with a
late charge assessed if the payment is not received prior to the end of the
grace periodShould your installment loan become past due, your loan may also
be subject to derogatory credit bureau reporting, and we may attempt to
repossess your vehicle
When
your installment loan becomes past due, our Collection Department may make
attempts to contact you at the telephone numbers we have on file for you to
inform you of the delinquency and to make arrangements for paymentHowever, on
March 13, 2014, you informed our Collection Department that you would be filing
***, and would call back with your attorney informationDue to this reason,
our Collection Department placed a cease and desist on your installment loan ending
in to stop all collection calls
Please note that once you have informed us that you have retained an attorney
with the intent to file ***, we are no longer able to contact you
On
May 5, 2014, your installment loan was past due for your March through May
paymentsThe last payment we had received was a payment of $*** that
was received and posted to your installment loan on March 28, Because
your installment loan was severely past due, we referred your vehicle for
repossession that same dayOn May 6, 2014, we received and posted your payment
of $***However, your installment loan was still past due for your April
and May payments
On
May 21, 2014, our agent repossessed your vehicleThat same day, you contacted
our Collection Department to make arrangements to redeem your vehicleAfter
our Collection Department confirmed that you had made a *** *** payment
of $***, they submitted a release to our repossession agent so that you
could redeem the vehicle
It was certainly not our intention to cause you any hardshipHowever, please note
that per your contractual agreement, you are responsible for all costs
associated with the repossession, including any repossession fees and fees owed
to the repossession agentDue to this reason, we are unable to waive the
repossession fee, or reimburse you for any fees you paid to our repossession
agentAdditionally, because your installment loan was past due, we are unable
to remove any negative reporting from your credit reportWe are required to
report accurate information to the credit reporting agencies, and we are unable
to change our reporting unless it directly relates to a bank errorI am sorry
for any frustration this may cause you
As
of October 6, 2014, your installment loan is past due for your October
payment of $*** that was due on October 2, Additionally, you have
outstanding late charges of $*** and an outstanding repossession fee of
$*** due on your installment loanPlease also note that an additional late
charge of $*** will be assessed to your installment loan if we do not receive
and post your October payment before the end of your ten (10) day grace
period on October 12,
As
an alternative to mailing your monthly payment, you may also want to consider enrolling
in Auto BillPayerAuto BillPayer will automatically transfer
your monthly payment from a non-Fifth Third Bank checking account to your installment
loan at no additional charge, which is less than the cost of a postage stamp
Many of our customers appreciate the convenience of Auto BillPayer,
which eliminates the need of check writing and mailing your paymentsAuto
BillPayer also makes your total installment loan payment on time each month,
preventing the added cost of a late chargeIf you are interested in enrolling
in Auto BillPayer, please contact Auto BillPayer at *** ***.
Thank
you for your patience while we researched this matter for youIt 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 usIf I could
be of further assistance to you, please contact me directly at *** ***
** *** *** ** *** ***
Sincerely,
***
***
Consumer
Resolution Specialist
Office
of the President
Pc:
Revdex.com

*** ** *** *** *** ** *** ** *** Date: April 8, Account: *** Re: Installment Loan Dear *** ** ***: We received a copy of the rebuttal you submitted to the Revdex.com regarding your installment loanWe appreciate the time you have taken to document your additional thoughts and concerns regarding this matterI am sorry if you feel our previous response did not address all of your concernsAs we previously explained, you agreed to an installment loan of $8,on October 17, The full amount of the loan was deposited into your checking account ending in *** on that same dayThis is a fixed loan, not a line of credit on which you can draw fundsWe deposited the full amount of the loan you were approved for, and the full amount of the loan has not yet been repaidAs of April 6, 2015, the payoff balance on your installment loan is $4,645.35, with interest accruing by $dailyI have enclosed a copy of your payment history for your reviewBecause the entire amount of the loan was already deposited into your checking account, we are unable to send you any additional funds that you may not have made use of after they were deposited into your checking accountI am sorry for any frustration this may cause youThank you for your patience while we researched this matterYou are a valued customer, and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please call me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely,*** ***Senior Consumer Resolution Specialist Office of the PresidentPc: Revdex.com Enclosure (1): Payment Historyncerely,

On April 7, near my wife went to this sharp auto is salt lake city Utah to look at a Toyota Rab for to the vehicle had issues they said they repair it they did not it was very dangerous to operate and drive home we got it back $in repairs he never gave us the proper paperwork when I called he he laughed and said he didn't know what to tell us they're very shady people they are very very very unworthy of business I do not recommend them if anything they should have their license revoked

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
They are basically avoiding the situation I called TWICE to their "customer support" One was to get a new card, and they did inform me that due to delinquent charges, that I could not get another During that phone call, I had asked TWICE, if I had any unpaid balance They said NO I called again after I got a notice of unpaid payments and when I called them, they stated they had no idea how they could come up with that statement? As a technical professional, I would assume that if a bank corporation employee, that if I asked if I could get another card and I was told "no" and if I asked if I had ANY unpaid balances and was told "NO", then I would be safe to assume that I had NO balance due I have spoken with numerous previous 5/customers that this is their practice One months paid "late fees" due to their lack of customer service and failure to inform a customer of the correct information is not acceptable
Regards,
*** ***

*** ** ***
*** *** *** * *** ** *** Date: March 31, Account: *** Re: Checking Account Dear *** ** ***: We received a copy of your complaint filed with the Revdex.com, regarding the service charge assessed to your checking accountWe
appreciate the time you have taken to document your thoughts and concerns regarding this matterYour comments expressing less than quality service are very concerningOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youWe strive to provide professional and accurate service to our customers and we regret if that has not been your experienceFor an Established Checking account, we waive the monthly service charge of $if any of the following requirements are met: You maintain a combined monthly average of $5,across your checking, savings or investment accountsOR you spend at least $per month on a Fifth Third credit cardOR you have any existing Fifth Third personal mortgage, auto loan, or line of credit with an outstanding balance If none of the requirements are met, a service charge for $will be assessed the on first business day of the next statement periodI have enclosed a brochure that provides additional information regarding the checking accounts we offerUnfortunately, your checking account did not meet the criteria noted aboveAs a result, service charges totaling $were assessed to your Established Checking account from October through March It is important to review your account statements timely and ensure that the requirements to waive the monthly service charge are metTherefore, we are not willing to refund the service charges previously assessed to your Established CheckingIt should be noted that the account was closed on March 20, 2015, per your request. *** *** please be assured that it was not our intention to cause you any hardship or frustrationYou were a valued customer and we are sorry that you felt it was necessary to close your accountWe hope that you will reconsider this decision and allow the Bank to continue serving your financial needsIf I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, a.mto p.m., ET.Sincerely,*** ***Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

November 10, 2014
*** ***
*** *** ***
*** *** ** ***
Re: Checking Account***
Savings Account***
Dear Ms***,
We received a copy of your complaint filed with the Revdex.com regarding the
overdraft fees
assessed to your checking account and a savings account that was also opened for youWe appreciate the
time you have taken to document your thoughts and concerns regarding these matters.
Your comments expressing less than quality service are very concerningOn behalf of the Bank, we would
like to offer our sincere apologies for any inconvenience these matters may have caused youPlease be
assured that we have contacted the management staff at the*** Financial Center to express your
dissatisfaction with the service you received and passed on your concernsWe strive to provide
professional and accurate information to our customers and we sympathize with the difficulties you
encountered regarding your accountsIt is a common practice for the Bank to offer customers products and
services that may be of value to themHowever, it is certainly not our intention to enroll customers for a
product they do not want.
On August 27, 2014, you opened a checking account and a savings account with *** ***, Personal
Banker at the *** *** Financial CenterDuring the account opening process, it is our understanding
that you shared with Ms*** your concern about potentially overdrawing your checking accountAt
that time, Ms*** explained that we can offer overdraft protection with a savings account or a Fifth
Third Bank credit cardYou were not interested in opening a credit card account; therefore, Ms.***
suggested the savings accountShe has informed this office that both the savings and checking accounts
were fully explained and receipts for both deposits were provided to you that dayWe also understand that
you spoke to Ms*** on the telephone regarding the first time the checking account became overdrawn,
and you requested that she transfer $*** from your savings account to your checking accountDue to these
reasons, we believe that you agreed to open a savings account during your visit at the ***
Financial Center on August 27, 2014.
If the available balance in your accounts is not sufficient to cover items that post, the posted items may be
returned unpaid and subject to overdraft feesThe per item overdraft fee is based on the number of
occurrences in the last twelve (12) monthsFor the first occurrence, you will be charged $*** per item.
For any additional occurrence, the charge is $*** per itemShould the account become overdrawn, we
also send an overdraft notice via standard mail to inform you of the occurrence, which includes a detailed
breakdown of the day’s transactionsI have enclosed a copy of our Rules & Regulations handbook that you
received and agreed to when signing a signature card to open the accountPages 2, 11, and provide
additional information regarding overdraft and the related fees.
Your checking account first became overdrawn on September 2, The beginning balance in your
checking account was $***Two (2) debit transactions totaling $*** posted to the account that day,
creating an ending available balance of negative ($***)Since your checking account balance was not
sufficient to cover the two (2) transactions that posted, and you did not have enough funds in your savings
account to cover the overdraft, your checking account was charged *** *** overdraft fees of $*** each on
the next business day.
On September 29, 2014, the balance in your checking account was $***Two (2) debit items totaling
$*** posted to your accountYour ending balance was negative ($208.48)Two (2) overdraft fees
totaling $*** were assessed to your account and posted the following dayAdditional transactions posted
to your account since then and additional fees were charged to the account due to the overdraft activityI
have enclosed a statement of the activity on your checking account, for your review.
It was important to ensure that your accounts had enough funds to cover all of the transactions you had
authorizedAs a valued customer, we reversed a total of $*** in overdraft fees on October 21, 2014.
Therefore, we are unwilling to waive any additional fees, as you have requestedAs of today, both the
checking account and savings account are closed with zero balances.
Ms***, please be assured that it was not our intention to cause you any frustration or undue
hardshipYou were a valued customer and we hope you will allow us to service your financial needs in the
futureIf I can be of further assistance to you please contact me at *** *** ** *** *** ** *** ***
***
Sincerely,
*** ***
Consumer Resolution Specialist
Office of the President
Pc: Revdex.com
Enclosure: Rules and Regulations handbook, checking account statement
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*** ** ***
*** *** *** *** ** *** *** ** ***RE: Closed Installment Loan ***Dear *** ** ***:We received a copy of the complaint you submitted to the Revdex.com regarding your installment loanWe appreciate the time you have taken to express
your concerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured I have researched this matter fullyI also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers' satisfaction.Please note, your installment loan was considered past due for payment if we did not receive your total monthly payment by the due date indicated on your contract There was a ten (10) day grace period on the account, with a late charge assessed if the payment was not received prior to the end of the grace periodIf the payment was received after the grace period but within thirty (30) days of the due date, there was no negative credit reporting on the account While there were several late payments during the life of your loan, all of the late payments were received within thirty (30) days of the due dateFor this reason, there should not have been any negative credit reporting on the account Enclosed for your review and convenience, please find a copy of the loan history for your closed installment loan ending ***.Our research shows that Experian and Equifax are now reporting the account correctly; however, TransUnion is still reporting incorrectly with one late payment of more than thirty (30) days past due but less than sixty (60) days past dueTherefore, we have submitted an adjustment request to TransUnion requesting removal of the negative mark from your credit historyPlease allow approximately thirty (30) days for TransUnion to update their reportingPlease also be assured that we will continue to conduct reviews and follow up with TransUnion until we ensure the account is reporting correctly.If you would like to contact the credit bureaus directly, their contact information can be found below:Equifax###-###-####Experian###-###-####TransUnion###-###-####Innovis###-##...⇄ strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused youIf I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####.Sincerely,*** ***Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosure: Installment Loan History

December 5, 2014 *** ***
*** *** ***
*** ** *** Re: Account #xxxx xxxx xxxx *** Dear Mr***
We received a copy of the complaint you filed with the Revdex.com dated November 22, 2014, concerning the payments made on your
credit card accountWe appreciate the time you have taken to express your thoughts and concerns regarding this matter We strive to provide professional and accurate service to our customers and I am sorry if that has not been your experienceCustomer 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 customersPlease be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. In researching your concerns, we found that you may not have allowed enough time for your payments to be posted to your credit card account by the due dateOur Internet Banking and Bill Payment Access User Agreement, which can be found on the Bank’s *** *** states the following concerning what due date to choose when you schedule an online bill payment: “Due Date means the date by which you schedule the payment to be delivered to a payee unless the date falls on a non-business day, in which case it shall be the preceding Business DayYou must determine the Due Date based upon the payee-provided due date, any applicable grace period, late payment policy or late fee and/or your knowledge of actual time required for the payee to receive and process the paymentYou must schedule the Due Date far enough in advance to allow the service to process and send the payment to the payee in advance of the Due DateThis may be up to five days prior to the Due DateThe system will provide you the earliest possible Due Date for a particular paymentYou must schedule payments prior to that day’s cut-off time for bill paymentsThe current cut-off time is provided within the Bill Payment interface.” Your payment for August was due on September 9, 2014, and posted to the account on September 11, Our records reflect that you scheduled this payment with your bank on September 10, The payment for October was due on November 9, 2014, and posted to the account on November 12, Our records reflect that you scheduled this payment with your bank on November 10, We empathize with the frustration you have experienced with your credit card accountA late charge of $25.00, which posted to your account on September 10, 2014, was reversed by the Bank on October 7, In the interest of customer service, we will refund the $late charge that posted to your account on November 11, A check for this amount will be sent to you under separate cover I can assure you that it was not our intention to cause you any frustrationWe appreciate your businessOn behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused youIf I could be of further assistance to you, please call me at *** *** ** *** *** ** *** *** Sincerely, *** ***
*** *** ***
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