Fifth Third Bank

March 11, 2015[redacted]RE: Fifth Third Securities, Inc. IRA Brokerage Account for [redacted]Dear [redacted]:We are writing in response to correspondence you filed with the Revdex.com on March 5, 2015, regarding the above-referenced...

account. It is our understanding you and your siblings are listed as beneficiaries on the IRA account, and have been having difficulty getting the funds distributed.Specifically, you stated you do not want to open an account at our firm, disclose personal information, and be subject to our firm's fees. We thank you for bringing this matter to our attention, and appreciate the opportunity to respond.Fifth Third Securities uses National Financial Services as our clearing firm. As such, we are required to adhere to their processing guidelines which state a new account be opened before assets can be transferred from a decedent's account to a beneficiary's account. As with any new account opening, we are required to obtain complete information of the account owner. However, once the required account has been established and assets transferred, it is up to the beneficiary to either maintain the newly established account here or move it to another broker dealer of his or her choice. We recognize many beneficiaries may already have relationships established with other firms, and maintaining the beneficiary account here on an ongoing basis may not be ideal. For this reason, we offer to waive or reimburse all fees associated with transferring out beneficiary accounts if they are transferred within 6 months of being established.Fifth Third Securities appreciates your business and we apologize for any inconvenience or frustration that may have occurred. If you have any further questions, please feel free to contact me at ###-###-####.Sincerely, [redacted]Regional Compliance Officer, VP

[redacted] Date: October 2, 2015 Account: [redacted] Regarding Your Business Debit [redacted] and Business Checking Account Dear [redacted]: We received a copy of your rebuttal recently filed with the...

Revdex.com. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please accept my sincere apology that our prior responses did not answer all of your questions or resolve this issue to your satisfaction. On April 15, 2015, a purchase was processed on your business debit card with a company called [redacted] in the amount of $1,333.20. On May 14, 2015, you filed a dispute for this purchase, indicating that you did in fact sign up with [redacted]; however, the charge for $1,333.20 was not authorized by you and you did not receive goods or services related to this charge. A case was opened with our disputes department and assigned a case number ([redacted]). The Bank started an investigation into the disputed charge and contacted the merchant, notifying them that you were disputing the purchase and charge to your account. The Bank is required to follow [redacted] Terms and Conditions when disputing a charge on a [redacted] account. Those terms state that the merchant has a certain amount of time to respond to your dispute and provide proof that the charge in question was authorized by the account holder. During that time, the Bank will issue provisional credit to our account holder; however, if their research does not support your dispute, the provisional credit will be removed from your account. On July 23, 2015, the Bank issued provisional credit to your account in the amount of $1,333.20. On August 25, 2015, the Bank mailed you a letter indicating that we completed our investigation and your dispute was being denied because the merchant verified the charges as valid. The letter also indicated that provisional credit would be removed from your account on August 26, 2015. Unfortunately, when the disputes department attempted to debit your account for the provisional credit, the account had been blocked for fraud and the debit didn’t process correctly. Instead, the debit was placed in our holdovers account for research and your account was never debited. After researching your Revdex.com rebuttal and the documentation provided by the merchant, the Bank issued a second chargeback with this merchant that was mailed to them on September 30, 2015. The merchant bank has forty five (45) days to respond. If the merchant bank continues to dispute our claim that you did not authorize this purchase, the dispute will go to Arbitration for [redacted] to rule on. If they do not continue to dispute our claim, you will be given final credit for the dispute. At this time, we will not be debiting your account, as we indicated in the letter mailed to you on August 25, 2015. If you have questions regarding the second chargeback or the provisional credit, please contact Jenna V., Disputes Servicing Specialist, at ###-###-####. [redacted], in your rebuttal with the Revdex.com, you state that the Bank failed to issue credit to you for the disputed charge for around two (2) months; even though regulations require us to issue credit within five (5) days. Regulation E (Electronic Funds Transfer Act) covers disputes regarding unauthorized transactions on personal consumer accounts that involve the use of a personal consumer card. As I stated in my prior responses, those regulations do not apply to business accounts and business debit and credit cards. All of your accounts with Fifth Third Bank are Business Checking Accounts and Business Debit Cards and are not covered by the Regulations you reference in your complaint. Although the disputed charge in question is not covered by Regulation E, Fifth Third Bank makes every effort to assist our cardholders in resolving these merchant disputes by working directly with the merchants. Our policy to assist our cardholders with these types of disputes has a completion time of up to 120 days, which I have indicated in several of my previous responses. On behalf of the Bank, please accept my sincere apologies if I failed to clearly explain the Regulation or our policy regarding disputes not covered by the Regulation in my prior responses. 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, Jennifer C. Office of the President Pc: Revdex.com Enclosure: Disputes Resolution Letter, mailed on August 25, 2015

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  I received this $400 check the other day and have now cashed it. The fact that they didn't even have record of the $400 payment, yet sent me the refund check for it just now, shows their lack of customer service and how truly terrible this company is when it comes to their customers. It took two months to receive my full refund and I will be satisfied when I receive the additional $60 I have requested that they caused me in fees for paying other items late, due to their lack of repayment in a timely manner.  Again, they have sent the second check of $400 - to which this Revdex.com response from them states they don't have record of it. It is truly appalling that a business/bank would treat matters of other people's money in this manner. Again, severely disappointed in their lack of professionalism. 
Regards,
[redacted]

[redacted]
[redacted]
[redacted]Date: May 6, 2015Re: Mortgage Loan applicationDear [redacted]:We received a copy of your complaint recently filed with the Revdex.com. We appreciate the time you have taken to document your thoughts and concerns...

regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns.After reading your complaint, I searched all of our loan application systems and wasn't able to find an application, submitted in your name, for a loan that's currently in process. I attempted to reach you by phone on May 4, 2015, to obtain more information regarding the attempts you have made to refinance your mortgage, but I was unable to connect with you. If you would like to contact me at ###-###-####, I would be happy to assist you.Additionally, if you would like to pursue a new loan with Fifth Third Bank, you can apply online at 53.com, or by calling our New Accounts department directly at [redacted]. We sympathize with the difficulties you have experienced and 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.[redacted] I understand your frustration when this situation occurred and we appreciate your patience while we researched this matter. Your feedback helps us to identify problems and to improve the level of service we provide to our customers. You are a valued customer and we look forward to serving your future financial needs. Again, if I could be of further assistance, please contact me directly at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Consumer Resolution Specialist Office of the President

September 4, 2014
 
[redacted]
 
 
Re: Mortgage Loan
XXXXXX[redacted]
 
 
Dear Ms. [redacted], 
We received a copy of your complaint
filed with the Revdex.com concerning the...

collection calls you received
for your Fifth Third Bank mortgage loan. We appreciate the time you have taken
to express your concerns regarding this matter.
The due date for payments to be posted to your account is
the first (1st) of every month. Fifth Third Bank does not offer the
ability to change the due date on mortgage loans. The telephone calls you
received are made automatically when an account becomes past due. If a payment
does not post by the due date it is considered delinquent and is subject to
collection activity. The Bank’s guidelines for contacting our customers allow
for telephone calls seven (7) days a week from 8:00 AM until 9:00 PM, including
holidays. Several calls may be placed each day in an effort to obtain a payment
or to arrange suitable payment arrangements. In order to avoid these calls,
please ensure your payment is posted by the due date.
You may wish to consider using Auto
BillPayer. Auto BillPayer enables you to have payments automatically deducted
from your checking account each month on the due date or any date within the
grace period, thereby, eliminating the need to mail your payments or bring them
to a branch location.  If you are
interested in signing up for Auto BillPayer, please contact us at [redacted]. If you utilize Auto BillPayer and a payment date is setup every month
during the grace period, our Collection Department will not contact you during
the grace period.
I understand your frustration when this situation
occurred and we appreciate the opportunity to respond to your concerns. If I
could be of further assistance to either of you, please call me directly at
([redacted] or toll free at ([redacted].  
Sincerely,
[redacted]
Consumer Resolution Specialist
Office of the President
 
Pc:  RevDex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
Regards,
[redacted]  Hello,How do I reopen the case?I was on a vacation, so I just got a response.The only response from 5/3 in regards to the case I received was that they are still investigating it.Summary:1) [redacted] charged my card on behalf on someone else's account (unauthorized charge)2) [redacted] refuses to issue credit, and then admits that they charged me for someone else3) [redacted] is out of business, 5/3 contacted by Email, [redacted], Revdex.com, [redacted] - the claim is open (after 30 days delay once [redacted] was delivered with the details and supporting docs as instructed by terms and conditions for billing error resolution);4) The claim was accepted, yet I am not getting the credit within 5-10 days as I should be getting per agreement5) I did not sign, receive anything I was billed for - the 5/3 bank SHOULD HAVE NOT received anything with my name, signature, and authorization of the payment documents OR ANYTHING at all.6) Federal law requires them to resolve the issues within 60-90 days, my case took 6-7 months to say that unfortunately "go and talk to the merchant which is out of business for months"7) Now they claim that they have sent me 7 messages - only messages were responses to Revdex.com and [redacted] complaints saying "that they are still working on it".I am not sure whats taking so long- when all they need to do is to contact the merchant deduct the funds. And the case if resolved - if the merchant is responding its going to be forged documents without any details to support their case - such as work delivery, contacts, my IP address for all the payment submitted and so on.I am very dissatisfied with 5/3 and I will be filling more complaints to follow as well as ripoff reports so that others could see how 5/3 is handing the disputes. I have a good belief that funds ended up in 5/3 and is basically not being released back to me, or the error resolution was not followed as it should have. So I will need to outline this to Federal reserves and [redacted] in a new complaint (it looks like these organizations keep filling against them nonstop for the ongoing violations).How would you feel if your account was billed $6000, the merchant would be delaying to respond until the last moment, and the bank would say "well.... too bad for you".Sincerely,[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.  Fthe problem now is that I called so many times and different persons confirmed that I am qualified for the offer. Now they just denies it. what a shame!
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. 
Regards,
[redacted] As I stated in my original complaint, I was never able to open the web siteto gain access to by business account. Fifth Third made no attempt to contact me in any way for over a month. I was also promised at least a partial refund and have never seen it. Fifth Third should be ashamed at charging accumulated fees for over a month and clearly able to see over $40,000 in the connected business account. You have abused your power without anyconsideration to customer service.

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 have never lived at [redacted] I don't even know who lives there. We live at [redacted] and have for almost 9 years. Looks like fifth third has screwed up yet again... surprise surprise!! 3 lost checks and now you are sending important sensitive information to the wrong address. I am furious. This is a violation of my privacy and people wonder why identity theft is such a problem. Maybe it's time to contact the press I'm sure readers would love to hear how the bank is sending my sensitive mail to an address unknown to us.
Regards,
[redacted]

[redacted] Date: January...

20, 2017 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your installment loan account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Thank you for taking the time to speak with me on January 18, 2017, regarding your request. You stated that you did not want the Bank to call you anymore. Please be assured that as we discussed, we processed a cease and desist on your account so that you will no longer receive phone calls from any area of the Bank. We have removed your telephone numbers from our systems. I noticed that your installment loan is past due for the January 13, 2017, payment. Please note that the cease and desist will not stop collection activity on the account. However, we will not call you about it. Collection activity might include late charges, reports to the credit bureaus should the account become greater than thirty (30) days delinquent, and/or repossession. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com

[redacted] Date: December 21, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your installment loan....

We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your installment loan. It was certainly not our intention to cause you any hardship. 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. We understand your concerns about the collection calls you received. Our Collection Department begins making calls to customers when a payment is not received by the due date. They are a failsafe Fifth Third Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. They are certainly not intended to cause you any hardship or frustration. Although we were able to confirm the receipt of your Auto BillPayer enrollment form, it may take up to three (3) weeks to complete the enrollment process before the first payment is scheduled. We have confirmed with the Auto BillPayer Department that the first payment is scheduled for January 7, 2016, in the amount of $193.48. I apologize for any misinformation you may have received when calling the Bank. In addition, we received a payment on December 14, 2015, in the amount of $193.48, which satisfied the payment due for December 7, 2015. Because the account has a ten (10) day grace period for the payment to be received, please be assured there were no late charges assessed to the account or negative credit reporting. 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] Date: July 17, 2015 Account:       [redacted] Regarding Your Credit Card Dear [redacted]: Thank you for contacting the Revdex.com concerning your credit card. We appreciate the time you have taken to express your concerns regarding this matter. We initially received a copy of this complaint on July 1, 2015. We received a similar complaint from you on July 9, 2015. Additionally, we received another complaint on July 16, 2015. However, we stand by the response conveyed to you in the previous letters sent on July 8, 2015 and July 14, 2015. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. As we stated in our two prior responses, we have provided to you a copy of the offer that was sent to you, what was needed to qualify for bonus points that were included within the specific offer that you received. Each offer has a unique ID number that you supplied within your application. This allows us to identify what offer you qualified for, and what requirements were needed to earn the bonus reward points. I am sorry if prior information provided to you was incorrect, but your purchase did not qualify you to receive the 50,000 points. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Beth H. Office of the President Enclosure (2): Previous Response Letter

[redacted]Re:
Account #xxxxxx[redacted]Dear
[redacted]: We
received a copy of the complaint you filed with the Revdex.com dated
January 30, 2015, concerning your installment loan 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.In
researching your concerns, we found that an extension was not granted for the
months of September and October 2014 for your installment loan because when we
received the deferment agreement from you, the signature on the document did
not match the signature we had on file for you. We requested documentation to
verify the signature on the agreement, but we did not receive anything from
you. However, at this time the Bank is willing to offer you another payment
deferral if you submit the appropriate documentation. I have enclosed a
hardship application for you to complete if you are interested.Our
records reflect that you authorized a payment to be made on the account from
the checking account of [redacted] on September 27, 2014. You
provided the necessary checking account and bank routing numbers to our
Collection representative as this is not a Fifth Third Bank checking account.  Please note that the payment was returned to
the checking account on October 20, 2014, after you filed a dispute about the
transaction with the Collection Department about the transaction.    Your
vehicle was repossessed on September 27, 2014, due to the delinquencies on your
account. At the time, your vehicle was repossessed your account was past due
for your July 2014 through September 2014 payments. A payment of $666.00 was
sent via Western Union on September 29, 2014, to redeem the vehicle, and we sent
the release to our agent on October 3, 2014.\Additionally,
the vehicle was repossessed on January 27, 2015, due to the delinquencies on
the account. At the time, your vehicle was repossessed your account was past
due for your November 2014 through January 2015 payments. A payment of
$1,100.00 was sent via Western Union on January 28, 2015, to redeem the
vehicle, and we sent the release to our agent on January 29, 2015. We have
confirmed that you were able to pick up the vehicle on February 2, 2015.Enclosed
please find a copy of your payment history for your files.  I have also included a copy of the contract
you signed with the Bank on October 28, 2009, when you purchased the vehicle
and opened the account.  Please note that
the contract details the reasons that the Bank has the right to repossess the
vehicle. Your
installment loan is considered past due for payment if we do not receive your
total monthly payment by the due date. The payments for your account are due on
the twelfth (12th) of each month. The final calendar day of your ten
(10) day grace period for the loan is not considered the due date for your
payment obligations. The grace period indicates when a late charge will be
assessed to your account for a past due payment.  At this time, your account is due for the April
12, 2015 payment.Per
your request made through the Revdex.com on March 4, 2015, we have
removed your telephone numbers from our systems.  You will no longer receive telephone calls
should your account become delinquent. 
Please note that this will not stop other collection activity on the
account should the account become delinquent, including late charges, reports
to the credit bureaus should the account become greater than thirty (30) days
delinquent, or repossession.Please
be advised that we have enforced our right to repossess your vehicle pursuant
to the terms of the contract. As such, we cannot reimburse you for the towing
charges or any other charges associated with the repossessions that were
assessed to your account.We
empathize with the difficulties you have encountered with this account.  However, 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 ###-###-####, or toll free at ###-###-####.Sincerely,[redacted]Consumer
Resolution SpecialistOffice
of the President Pc:
Revdex.comEnclosure:
(3)

Sara Martin 7002 Monarchos Drive New Albany OH 43054 Date: December 4, 2015 Account: [redacted]7913 Regarding Your Checking Account Dear Sara Martin: We received a copy of your complaint submitted to the Revdex.com concerning your checking account....

Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. We have researched the issues you had when closing your checking account, and found that the account was reopened multiple times during this process due to pending disputes. When an item is disputed and the investigation is in process, the account is generally kept open for any applicable refunds or debits to post. We apologize for any inconvenience that this process caused. According to our records, cases C1509653718 and C1509647137 that had been opened with our Disputes department have been closed after our representatives were able to speak to you about the resolution of your cases. I have verified that the large dollar hold on your account was released, a credit of $485.25 for the disputed transaction was credited back to you, as well as the overdraft fees associated with the disputed transaction. We deeply regret the inconvenience caused by these events, but were pleased to confirm that your account was closed November 12, 2015. Additionally, your comments expressing less than quality service that you have received during this process are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. Ms. Martin, I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at (513) 358-9158 or toll free at (866) 360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah Starkey Office of the President

[redacted] Date: April 13, 2016 Account: [redacted] Regarding Your Fifth Third Bank Real Life Rewards [redacted] Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau regarding collection calls and your Real Life Rewards [redacted]. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. It was certainly not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. If a payment does not post by the due date, it is subject to collection activity. The Bank’s guidelines for contacting customers allow for telephone calls seven (7) days a week from 8 a.m. to 9 p.m., including holidays. Several calls may be placed each day in an effort to remind customers that a payment is due and to obtain payment arrangements to prevent late fees or derogatory credit bureau reporting. On January 18, 2016, the Bank sent your credit card statement indicating a minimum payment of $35.00 due by February 15, 2016. I have enclosed a copy of this statement for your records. The Bank did not receive a payment by February 15, 2016. Therefore, on February 16, 2016, a $35.00 late charge posted to your credit card account. The next credit card statement was generated on February 18, 2016. This statement shows the late charge, and indicated a minimum payment due of $99.00 by March 15, 2016. The Bank did receive and posted a payment for $40.00 on February 19, 2016. The Bank also received and processed a $40.00 payment on March 9, 2016. Please note, the two (2) payments did not satisfy the minimum payment due of $99.00, and a $35.00 late charge posted to your credit card account on March 16, 2016. Your next statement generated on March 18, 2016. This statement shows the late charge, and indicates a minimum payment due of $84.00 by April 15, 2016. Included in this payment is a past due amount of $19.00. Please note if you do not make your minimum payment for two (2) or more consecutive billing cycles, the Bank may revoke your ability to make purchases. After receiving your letter, we confirmed that the collection department had processed a cease and desist based on your telephone request on April 8, 2016. You will no longer receive telephone calls regarding the delinquent status of your Real Life Rewards [redacted] account. Please note that this does not stop other collection activity related to delinquency, including late charges, finance charges, or reporting to the credit bureaus. For your convenience, the Bank offers Auto BillPayer. Auto BillPayer will automatically transfer your monthly payments from your checking account towards your credit card at no additional charge. Many of our customers appreciate the convenience of Auto BillPayer, which eliminates the need of telephone payments, check writing, or mailing your payments. Auto BillPayer also makes your monthly payments on time each month to prevent the added cost of late charges. Should you have any additional questions concerning Auto BillPayer, you may contact Auto BillPayer at ###-###-####, Monday through Friday, 8 a.m. to 5 p.m., ET. We have completed our review of the payment history for your credit card. Because your payments have not posted to your credit card more than thirty (30) days past due, the payment activity has not been reported to the credit reporting agencies. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### It was not our intention to cause you any frustration or an undue 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 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: Credit Card Statements

[redacted] Date: April 29, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your installment loan. We...

appreciate the time you have taken to document your thoughts and concerns regarding this matter. On January 31, 2010, you agreed to a seventy-five (75) month installment loan for $27,821.70 with a maturity date of July 1, 2016. For your convenience, I have enclosed a copy of the Retail Installment Sale Agreement which details the terms of the loan. In the section of the contract titled “Truth-In-Lending Disclosure” it is disclosed that you promise to pay the principal amount of $27,821.70 plus finance charges at the rate of 5.59% for seventy-five (75) months. Your first monthly installment loan payment of $444.49 was due on May 1, 2010. According to the enclosed payment history, you have made seventy-two (72) payments to your loan. Therefore, a balance still remains owed on your loan. As of today, your loan is current with your next payment of $444.49 due on May 1, 2016. The full payoff amount as of today is $1,296.05 with a daily accrual amount of $.20 per day. Once the payoff payment for the loan is received and the entire loan balance is paid in full, we will release the lien on the [redacted] that is held for collateral. We have reviewed the information being reported on your credit report for this loan. Our review determined that the information provided to the credit reporting agencies is accurate. This installment loan is currently being reported as opened with a balance due of $1,291.00. Thank you for your patience while we researched this matter for you. We truly value your business and we certainly hope you will consider using Fifth Third Bank for your financial needs in the future. If I may be of further assistance to you, please call me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S.Office of the President Pc: Revdex.com Enclosure: Retail Installment Sale Agreement, payment history

[redacted] [redacted] [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] Date: March 16, 2016 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your vehicle installment...

loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On February 26, 2016, we received your loan payment of $200.00. This payment was originally not applied correctly to your loan. When we discovered this error, we located your payment and applied it to your loan on March 11, 2016. Also on March 11, 2016, the payment was backdated to the date that the payment was originally received of February 26, 2016. Please be assured that this payment issue did not result in any additional interest accruing on the loan. Please also accept my sincere apologies for any difficulties you experienced when you previously contacted the Bank to resolve this issue. We strive to provide professional and accurate service to our customers, and we regret if this has not been your experience. 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

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: December 21, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding the car title...

held for collateral for your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. It was certainly not our intention to cause you any undue hardship and we sympathize with the difficulties you encountered. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. I understand your frustration when this situation occurred. However, our Consumer Contact Center strives to provide professional and accurate service during every telephone call they receive throughout the day. I am sorry if your telephone call experience did not meet the same high standard. Your vehicle loan was paid in full on November 19, 2015, and the loan was closed that same day with a zero balance owed. We do not release the lien on a vehicle title for approximately five (5) to seven (7) business days after receiving the payoff to ensure that the payoff we receive is not reversed for any reason. We have verified that the lien was released from the [redacted] and the title was mailed on November 27, 2015. According to your complaint, you did not receive the title. Therefore, on December 14, 2015, we issued a check for $11.00 and sent it to the address listed above in order to assist you with ordering a duplicate title from the State of [redacted]. In addition, we also included paperwork which confirms the release of the lien for this particular vehicle loan. I hope this letter addresses all of your concerns and you are satisfied with the resolution. We appreciate your patience while we researched this matter. You were a valued customer and we sincerely hope that you will consider using Fifth Third Bank for your financial needs in the future. If I may be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####. Sincerely, Lisa S. Office of the President Pc: Revdex.com