Fifth Third Bank

[redacted] Date: November 2, 2016 Account: [redacted] Regarding ATM Deposit Dispute Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your ATM (Automated...

Teller Machine) deposit dispute. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced. It was certainly not our intention to cause you any hardship. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. After completing our research, we posted a credit of $130.00 to your checking account ending in [redacted] for the missing ATM deposit on October 31, 2016. This credit is final and will not be reversed. I truly hope this meets your satisfaction and resolves your needs. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth Draper Office of the President Pc: Revdex.com

[redacted] [redacted] [redacted] Date: September 27, 2016 Account: [redacted] Regarding Your Fifth Third Bank Accounts Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com, regarding your checking and savings account activity. Thank you for taking the time to document your thoughts and concerns. I appreciated the opportunity to speak with you on September 20, 2016, regarding this matter. Your original complaint filed with the Revdex.com was received on September 2, 2016. The Bank received a complaint you filed with the [redacted] on September 14, 2016. We received your most recent complaint filed with the Revdex.com on September 21, 2016. However, we stand by the response conveyed to you in our previous letter dated September 9, 2016. Our position on this matter has not changed. I have enclosed a copy of our previous response for your records. In our prior response, we enclosed copies of your checking account statements from June 2013 through April 2014. For your records and review, we have enclosed your checking account statements from July 2010 through May 2013. In addition, we have enclosed your savings account statements from June 2010 through May 2013. Please use the enclosed documents in addition to the previously mailed statements, as verification of the account balances and activity for the time your accounts were open. On July 23, 2013, the Bank processed a garnishment on your checking and savings account. Please find enclosed a copy of check ([redacted]) which was sent to [redacted] County Magistrate Court. The check was negotiated on July 31, 2013. The memo line on the enclosed check states: [redacted]. Please use the enclosed document as verification that [redacted] County has processed the check mailed on July 23, 2013. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure(s): Previous Response, Statements,

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]

January 6th, 2017Re: [redacted]Both I and the [redacted] Financial Center Manager, Jerry G., have left messages for the customer.  I have waived her most recent monthly service charge of $8.00.  My response on 01-03-17 informs [redacted] that with her current account type, there will be a monthly fee, and I offer alternatives to avoid the charge, including opening a different account type.  There is really nothing more to add to the first response. Please let me know if you can close the issue with this information, of if you need anything further.   Thank you, Alison S.Customer Care Team SpecialistFifth Third Bank | Office of the PresidentPhone: ###-###-####

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.  With all due respect, my original complaint has not been answered. Instead, this is a clear attempt to discredit the complaint with details of my account that I have already admittedly discussed and reviewed with Fifth Third Bank personnel. My issue is, that I did not ok overdraft protection and hundreds of dollars were taken out of the account by Fifth Third, which compounded the issue. The overdraft notices were received in bulk a week plus after the incidents. And, as I am on unemployment there was nothing's I could do to re-fund the account other than remove the debit card from affected accounts. Again, I am appealing to Revdex.com due to the overcharging of my account for hundreds of dollars of fees that I would like re-funded. Even a compromise of half the amount would suffice.
Regards,
[redacted]

Attached is a copy of our response to the complaint filed by Ms. [redacted]  Re: Account #xxxx xxxx xxxx [redacted] Dear [redacted]:  We received a copy of the complaint you filed through the Revdex.com dated...

December 28, 2014, concerning the balance transfers you requested be made to your Fifth Third Bank credit card account.  We 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 experience.  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. Our records reflect that on November 18, 2014, you applied online for a Platinum [redacted] credit card from Fifth Third Bank.  Our records also reflect that you input the balance transfer request when you applied online for the account.  The information you provided on the balance transfer request was for a transfer of $[redacted] to Bank of America to be applied to your account with them ending in [redacted].  In addition, you requested that a transfer of $[redacted] be made to [redacted] be applied to your account with them ending in [redacted].  In conclusion, this was not a Bank error.     We empathize with the difficulties you encountered with the account.  Therefore, in the interest of customer service, we reversed the finance charges totaling $[redacted] on December 23, 2014.  This transaction will be reflected on your next monthly statement.       I can assure you that it was not our intention to cause you any frustration or hardship.  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 [redacted]. Sincerely, [redacted]Consumer Resolution SpecialistOffice of the President    [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. 
Regards,
Principal not applied: $3,492.92 from months it was 5% (start of loan modification through 8/2013 presuming it was incorrect at the beginning of the modification) and $4,889.91 from the months it was 7.5%.  That is what should have been applied as a credit to my loan in the very minimum.  From their own amortization schedule.   I think that this was predatory because had I not caught there mistake they would have continued on this path.  I think I should still look into the consumer protection service predatory lending practices.  Their contract itself is really strange the way they wrote up the modification because the last or second to last clause almost tries to contractually absolve them of any negligence and you can’t do that legally.  Where were their internal audits being done? It should not have taken the customer to uncover this error.  There should have been fail safes in their internal auditing system that should have caught this error long ago. It certainly should not have gone on over 3 years.   Where is the punitive damages for the years I have tried to sell that house and couldn’t because of that loan balance being held over your head? 
[redacted]

[redacted] Date: October 21, 2015 Account: [redacted] Regarding Your Fifth Third Bank Platinum [redacted] Dear [redacted]: We received a copy of the complaint you filed with the Better...

Business Bureau, regarding your Platinum [redacted] benefits. 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 the level of service you received from our Customer Service Department. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your letter, I forwarded your concerns to the relevant parties in our Customer Service Department. I also want you to know that our senior and executive management teams review customer feedback as part of our ongoing commitment to improving our customers’ satisfaction. However, I cannot inform you to specific internal actions that may be taken. On September 20, 2012, your application for a Platinum [redacted] was approved. At that time, the Platinum [redacted] was automatically enrolled in the reward point program. Beginning on February 18, 2014, the Bank no longer offered the reward point program to new applications for the Platinum [redacted]. However, existing cardholders, like yourself, were grandfathered into the reward point program. Real Life Rewards is the name of our internal rewards program offered on a variety of our products. Along with the Real Life Rewards program, the Bank, in conjunction with [redacted], offers a variety of additional benefits to our cardholders. For your convenience, I have enclosed a copy of the benefits associated with the Fifth Third Platinum [redacted]. Fifth Third Bank does offer a variety of [redacted] products to our customers. Each product has a unique set of features and benefits to meet the different needs of our customers. As you mentioned in your phone conversation with our customer service agent on October 12, 2015, the Real Life Rewards [redacted] does provide cardholders with [redacted] Insurance. This benefit is not provided with the Platinum [redacted]. Since [redacted] Insurance is not a benefit associated with the Platinum [redacted], the Bank is not willing to reimburse you for the $250.00 deductible for your rental car. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Platinum [redacted] Benefits

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. We are not trying to obtain anything other than just refunding all of the fees charged because of the business's  claim that it was a dormant account.  We know that those monies were retained by Fifth Third bank as a source of profit to the bank and we still believe that those monies should be returned to the rightful owner, even though their policies state otherwise. Under the circumstances,  a person of 88 years without internet skills should not be charged this fee for dormant account.  Other banks attempt to call, as well as write letters, to inform a customer that the account is approaching dormancy, which in this case, Fifth Third never did.  We have discussed this with other banks and found out Fifth Third has a reputation for profiting from various fees more than some other banks. Again, returning all of the approximately 1 1/2 years of dormant + monthly service fees totaling almost $300 would satisfy us completely.  We have now closed the account and, in the event that Fifth Third Bank sees fit to make an exception to their policy, and return these fees, we will gladly reopen the account and inform the Revdex.com that Fifth Third Bank responded fairly and  decided to refund these fees with a primary interest on customer satisfaction, even though, their monetary interests are best served by closely adhering to bank policy regarding dormant accounts.
Regards,
[redacted]

[redacted]
[redacted]Date: June 16, 2015 Account: [redacted]Regarding Your Fifth Third Platinum [redacted]Dear [redacted]:We received a copy of the complaint you filed with the Revdex.com regarding your credit card 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 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 our senior and executive management teams review customer concerns as part of our ongoing commitment to improving our customers’ satisfaction.On September 26, 2014, the Bank received and approved your application for a Fifth Third Platinum [redacted]. Upon approval of your Platinum [redacted] account, your card and credit card agreement were mailed to you. For your review and convenience, a copy of the most recent version of the credit card agreement currently in effect for your account is enclosed.Please note page two and three (2-3), item ten (10) which explains how credit card payments are processed and applied to your credit card account. Payments on your Account that exceed the Minimum Amount Due will be allocated first to the Account balance with the highest Annual Percentage Rate (APR), and then to each consecutive Account balance bearing the next highest APR, at the time payment is posted to your Account.On October 13, 2014, your first purchase posted to your credit card. On November 5, 2014, your first statement was mailed to the above address. I have enclosed the statement dated November 5, 2014, which indicated a $73.00 minimum payment was due by December 2, 2014.The Bank did not receive a payment by the December 2, 2014 due date. Therefore, on December 2, 2014, a late charge of $25.00 posted to your credit card statement.On December 5, 2014, the second statement for this credit card account was generated. I have enclosed a copy of this statement for your records. This statement indicated a minimum payment of $146.00 was due by January 2, 2015. On December 8, 2014, the Bank received and posted your statement of $154.00 to your credit card account. This payment satisfied your minimum payment due by January 2, 2015.On December 30, 2014, you contacted the Bank by phone to make a payment to your Platinum [redacted]. The agent correctly stated that your payment on December 8, 2014, had satisfied your minimum payment due by January 2, 2015. Therefore, no payment was necessary at that time. Per your request, the agent submitted a fee reversal for the $25.00 late fee assessed the previous month. The agent also transferred you to the Auto BillPayer department to accommodate your request to set up automatic payments from your checking account. However, you did not enroll in this electronic payment service.The next credit card statement was generated on January 5, 2015. This statement shows the payment made on December 8, 2015, and the late charge reversal on December 30, 2014. No other purchases were made on the card and your minimum payment of $70.00 was due on February 2, 2015. On February 3, 2015, the Bank received and posted your payment of $500.00. This payment satisfied your minimum payment due by February 2, 2015. No late charges resulted from this payment. No other purchases were made during this statement cycle. On February 5, 2015, the monthly credit card statement was generated. This statement indicated a minimum payment of $60.00 was due by March 2, 2015.The Bank did not receive a payment toward the credit card account and on March 2, 2015, a $35.00 late charge was assessed to the account. A statement was generated on March 5, 2015. Because there were no payments on the previous statement, the minimum payment due by April 2, 2015, was $120.00. Which included a past due amount of $60.00 from the previous month. The Bank did not receive a payment to your credit card account by April 2, 2015. Therefore, a late charge of $35.00 was assessed to the account. Because there were no payments received on two consecutive credit card statement cycles, the Bank revoked your ability to make transactions with this credit card account.The statement dated April 3, 2015, indicated the minimum payment due by May 2, 2015, was $181.00, of which $120.00 was the past due amount from the last two months. On April 21, 2015, you submitted a payment of $3,035.00 toward your credit card account. This payment resulted in a $35.00 balance remaining on the card. The $35.00 balance was a result of a late fee that had been assessed to the account. On June 3, 2015, this fee was reversed resulting in your credit card account being closed with a zero balance. Please use this response as verification that the $35.00 fee has been reversed.We have completed our review of the payment history reporting on your credit report for your Fifth Third Platinum [redacted]. Our review determined that the information provided to the credit reporting agencies is accurate. We regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to correct prior negative reporting.If you would like to contact the credit reporting agencies directly, their contact information can be found below:• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####We strive to provide professional and accurate service to our customers, and apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ETSincerely,[redacted]Office of the PresidentPC: Revdex.comEnclosures: Statement and Credit Card Agreement

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

September 30, 2014
[redacted]
Re: Mortgage Loan XXXXXX[redacted]
Dear Ms. [redacted],
Thank
you for contacting the Bank regarding your mortgage loan. We appreciate the
time you have taken to express your concerns regarding this matter.
We
have...

completed our review of the payment history reporting on your credit
report for your mortgage loan. Our review determined that the information
provided to the credit reporting agencies is accurate. We regret any
frustration this may cause you; however, we are required to report accurate
information to the credit reporting agencies and we cannot accommodate your
request to correct prior negative reporting. I have enclosed a copy of the
payment history for your review.
If you would like
to contact the credit reporting agencies directly, their contact information
can be found below:
[redacted]
*
[redacted]
*
[redacted]
*
[redacted]
 
Your
escrow account is analyzed every April in accordance with RESPA (Real Estate
Settlement Procedures Act) guidelines. At that time, we will estimate your
insurance and tax payments for the following year in order to calculate the
funds needed in your escrow account to make these payments. Any changes in
property taxes or insurance premiums will be reflected at the time of analysis
unless we receive additional documentation from your tax municipality or
insurance company before that time.
When
the escrow analysis is complete, we mail you an Annual Escrow Account
Disclosure Statement, which details the results of our escrow analysis
including any escrow shortage or overage that might occur. If an escrow
shortage exists, you may pay for the total shortage amount by the due date
indicated on the Annual Escrow Account Disclosure Statement or the shortage
will be collected as part of your overall monthly mortgage payment. If an
overage exists, a refund check may be issued directly to you for the amount of
the overage.
On
April 25, 2014, we performed an annual escrow analysis and mailed to you an
Annual Escrow Account Disclosure Statement (copy enclosed), which disclosed an
escrow shortage of $[redacted]. This disclosure details that your monthly
mortgage payment was increasing beginning June 1, 2014. The shortage could be
paid in full with the coupon provided or divided over the next 12 months. When
the shortage was not paid in full, your mortgage payment increased to $[redacted]
effective with the June 1, 2014 payment.
Ms.
[redacted], we strive to provide professional and accurate service to our customers,
and I apologize for any inconvenience these matters have caused you. If I could
be of further assistance to you please contact me directly at [redacted]
Sincerely,
[redacted]
Consumer Resolution Specialist Office of the
President
Enclosures:
mortgage payment history, Annual Escrow Account Disclosure Statement

All late payment reports have now been removed from my credit report and issue is satisfactorily resolved. Thank you for your assistance.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   Regards,
[redacted]

[redacted] Date: September 7, 2016 Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

regarding your recent deposit. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning and I regret the difficulties you have experienced. I have shared the information you brought to our attention with the banking center manager at the [redacted] Banking Center. We appreciate your feedback as it assists us in identifying problems and helps continuously improve the level of service we provide to our customers. However, I cannot inform you of specific internal corrective actions that may be taken to resolve the matter. We appreciate having you as our customer and value the trust you have placed in us. Despite our best efforts, mistakes sometimes happen. On Friday, August 26, 2016, you made an $856.00 cash deposit into your checking account ending in [redacted]. If the deposit would have properly posted to your checking account, the funds would have been available immediately. As you are aware, due to a processing error the deposit did not post to your checking account. On August 29, 2016, you made several attempts to contact the banking center manager regarding this deposit. Unfortunately, the manager was unexpectedly out of the office on Monday, August 29, 2016. However, the banking center employees correctly submitted a research request to locate your deposit. In addition, the banking center employees contacted their Regional Risk Manager who provided provisional credit to your account while the research request was processed. On August 30, 2016, two (2) credits of $856.00 posted to your checking account. On August 31, 2016, one (1) of the $856.00 credit transactions was reversed. This reversal properly balanced your checking account. The transactions will be on your next statement; however, I have enclosed a copy of the recent activity in your checking account as verification of the fee reversal and the credit activity. Your account was assessed a $37.00 overdraft fee due to this processing error. On August 31, 2016, the banking center manager reversed this fee. The Bank did not report this activity to the debit bureau agencies. We truly value your business, and we look forward to continuing our banking relationship with you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll-free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: August Checking Account Activity

This is false regarding all the people spoke with on April 10th regarding this matter. Ms S. never attempted to call me back I have my cellphone with me 24/7. They knew that [redacted] would not be  providing them anything in writing but did advise Fifth Third to call so that they “could verify that funds were good”. Also another important Fact to point out also is if they hold funds for the entire 8 days then funds should have been available and check should have cleared on April 1 ". HAVE SPOKEN WITH THE PRESIDENT AND HE HAS ADVISED ME THAT THE PENALTY THAT HAVE ASKED TO PAY FROM [redacted] FIFTH THIRD WILL “REFUND”...THIS WAS HANDLED VERY POORLY ESPECIALLY AFTER I SPOKE ONLY With Managers at “4” (ANTOINETTE AT [redacted] LOCATION,  MARKEETTA AT [redacted] LOC. AND MS. S. AT [redacted]LOCATION) BRANCHES AND WAS TOLD ONE LIFE AFTER ANOTHER…| DO EXPECT TO GET REFUNDED THE COST OF THE PENALTY BUT THIS DOES NOTHING FOR MY INTEGRITY WITH THE [redacted].| DO NOT PLAN ON CONTINUING MY ACCOUNT WITH THIS BANK AND AM IN THE PROCESS OF GETTING IT MOVED TO ANOTHER FINANCIAL INSTITUTION.[redacted]

[redacted] Date: June 3, 2015 Account: [redacted] Regarding Your Recent ATM Withdrawals Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your recent attempts to withdraw cash from an Automated Teller...

Machine (ATM). We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that Fifth Third Bank takes your feedback regarding your experience very seriously, and I have contacted the relevant parties to pass on your concerns. We strive to provide professional and accurate service to our customers, and I regret if the service you received did not meet the same high standards. According to your letter, on April 10, 2015, your fiancé attempted to make two (2) cash withdrawals from an ATM located at [redacted] in [redacted]. The two withdraws totaled $200.00, the first for $160.00 and the second for $40.00. However, you claim in your letter to have received only $120.00. On April 11, 2015, you contacted Fifth Third Bank and filed disputes for both ATM transactions. Per your request, disputes were submitted for each ATM cash withdrawal transaction. We began an investigation and on April 13, 2015, your checking account was given provisional credit, which totaled $80.00 while we researched your disputes. The provisional credit was available for use in your account while we conducted our investigation. However, our research determined that the balancing records of the related ATM terminal did not support the conclusion that funds were not dispensed. The ATM terminal in question balanced between April 10, 2015 and May 10, 2015. Due to this reason, the Bank denied your disputes and reversed the provisional credit of $80.00 from your checking account on May 19, 2015. It was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. We value your relationship and look forward to fulfilling all of your financial needs for years to come. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely,   Patrick S. Office of the President PC: Revdex.com

[redacted] Date:...

December 19, 2016 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your installment loan lien release. We appreciate the time you have taken to express your concerns regarding this matter. Thank you for taking the time to speak with me on December 12, 2016. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Upon receiving your complaint we contacted our title department who verified the [redacted] title is the most recent title issued. Additionally, the Title Department has contacted the state of [redacted], who confirmed the title record they had was cancelled and no longer active. Please find enclosed a letter from our Title Department and the [redacted] Title History for your vehicle. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. If I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Title History Verification Letter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11090958, 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.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
5/3rd states that I did not come to the branch to pick up the card. Their "customer service" told me, I'm assuming on a recorded line, that the card was being mailed to me. Another in a long list of lies. They also lied about the order of the charges - I have the proof from [redacted] about the order in which they were actually made. I will be closing my account with them and pursing this matter further. Theft is theft even when your name is 5/3rd. 
Regards,
[redacted]