Fifth Third Bank

[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: 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.  
I read the letter Sarah S.  typed up trying to say Fifth Third was justified in their charging me $37.00.  She decided to not include the deposit that hit the account for 602.97 on the same morning in question.  On Tuesday morning my account showed a positive amount for $7.18 when checked again at 9am my account showed a positive amount of 285.09.  So lets review Monday positive account Tuesday when all this got added and came out positive account. Wednesday morning Fifth third says Monday account negative none of this happened on Tuesday and they should charge me $37.00.  Fifth Third is stealing my $37.00 and I would like it back. I believe Fifth third was sued for this exact same issue a few years ago and lost. Fifth Third should not be allowed to change dates of when items are posted in order to charge fees.  I would like my $37.00 returned 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.   
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]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

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.   
This bank is placing holds on funds long after they have cleared.  In this particular case, the monies were removed from the funding account the day after deposit (they were removed from the funding account on 12/4) yet were not available for access until 12/14.  This is excessive and is not a function of risk or security, it's a means for them to "hold" my cash - and unfair.
Regards,
[redacted]

[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: September 14, 2016 Accounts: [redacted] Regarding Your Fifth Third Bank Accounts Dear [redacted]: We received a copy of the rebuttal you submitted to the Revdex.com regarding your Fifth Third Bank accounts. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. However, we stand by the response conveyed to you in our previous letter dated August 5, 2016. Our position on this matter has not changed. You expressed additional concerns in your rebuttal that your overdraft protection did not work. Our records show that your savings account ending in [redacted] was set up as overdraft protection for your checking account ending in [redacted]. Both accounts were opened on August 21, 2014. However, no funds were ever deposited into your savings account, and it was closed on October 6, 2014. No other account was set up as overdraft protection for your checking account. You also expressed additional concerns that the disclosures for your Secured [redacted] ending in [redacted] were not provided to you at the time you submitted the application. Specifically, you mention disclosures regarding late payments. The disclosures enclosed with our previous response are provided to all applicants for a Secured [redacted] at the time the application is submitted. In regards to late payments, the Fifth Third Bank Card Agreement states the following: ** You acknowledge that you specifically intended to grant us the security interest in all funds in the Secured Bank Account, that this security is an express condition for your Account and the funds in your Secured Bank Account must remain on deposit during the term of this Agreement…If you do not pay your Account balance or we decide to close your Account for any reason, you authorize us to apply all of the funds in the Secured Bank Account to your outstanding Account balance. (page 2, section 3) **Your payment is due on or before the Payment Due Date shown on your Account Statement. You must pay at least the Minimum Amount Due show on your Account Statement on a monthly basis[.] (page 2, section 8) ** If we do not receive the Minimum Amount Due by the Payment Due Date, there is a late payment fee of $25.00. Any subsequent late fees will be $35.00 until you make your required Minimum Amount Due by the Payment Due Date for six consecutive Billing Cycles. (page 3, section 14) ** You agree that, subject to Applicable Law, if your Account is in default under this Agreement, you will accept calls from us at your home and your place of business regarding collection of your Account. You understand and agree that the calls to your home may be automatically dialed and a recorded message may be played. You agree such calls will not be considered “unsolicited” calls or telemarketing calls for purposes of state or federal law. (page 5, section 23) I have enclosed another copy of the Fifth Third Bank Card Agreement for your convenience. Thank you for your patience while we conducted our additional research. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Fifth Third Bank Card Agreement

[redacted] Date: July 18, 2016 Account: [redacted] Regarding Your Credit Card Account Dear [redacted]: We received a copy of the complaint you filed with Revdex.com. We appreciate the time you have taken to...

document your thoughts and concerns regarding the collection calls you received. Please be assured that Fifth Third Bank takes your feedback seriously. Our Collection Department begins making calls to customers when a payment is not received by the due date. They are a failsafe the 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. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8 a.m. until 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. This policy complies with all applicable laws and regulations. In researching your concerns, I could not locate a copy of your previous letter to the Bank. It was certainly not our intention to cause you any frustration or inconvenience. If you believe that there was unauthorized account activity, please contact our Disputes Department directly. They can be reached toll-free at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, and Saturday, 8:30 a.m. to 5 p.m. Please be advised that the credit card was closed on June 6, 2016. I waived a late fee and a finance charge for a total of $22.00. The account is now at a zero (0) balance. In response to your specific request, we have removed the telephone number ###-###-#### from our records. I appreciate this opportunity to respond to your concerns. You are a valued customer and I apologize for any inconvenience these matters may have caused you. If I could be of further assistance, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

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.
 First I never stated that I did not want to dispute the charges.  I went into the bank to explain that there were three charges on my account that were not authorized and that I had taken care of it with the companies.  I had emails in hand to show that the companies had advised that the would refund the charges.  Therefore, I was advised by the bank  that there was no reason to dispute the charges.On 11/18/14 [redacted] Charged me $623.86They advised that the would not take out their payment in December to make up for their mistake.On this date I was charged a $148.00 overdraft fee.On this date [redacted] charged me $107.76 that ws not authorized.  I contacted them and they advised that they would refund the money.  In addition 5/3 mailed out $375.00 to [redacted] that caused an overdraft fee.  On 11/19/14 they failed to pay the [redacted] bill and the $375 was credited to my account.  They then again sent the $375 out on 11/21/14 without authorization again overdrafting my accout and this time decided to pay it and charge me again an overdraft fee.  On 11/19/14 I was charged $111.00  and a $37.00 overdraft fee.  I was then charged a $19.99 [redacted] charged that was not authorized.I contacted [redacted] and they advised that they would credit my account.  On 11/20/14 I was charged an additional $111.00 in overdraft fees.  On 11/29/14 [redacted] refunded my money.  On 11/21/14 I was charged another $185.00 overdraft fee.  I was credited my [redacted] money.  On 11/21/14 I contacted the bank and with the emails from [redacted], [redacted] and [redacted] advised that these had not been authorized and showed the documentation that the compaines had agreed and would refund my money.  At this time my account was credited $222.00.  I was charged $592.00 in overdraft fees.  $185 of the fees the day after they credited the $222.00. I feel that the company is being fraudulent as not only did they not refund the money from charges that they saw documentation from the compaines, they also sent out a payment twice causing the overdraft fees.  Once they decided to not pay it and the next time they paid it.  I guess my question is what made the difference.  Also why was I told by bank staff that I did not need to dispute the charges as I had proof?  Then the day after they credit the $222 they charge me another $185.00 basically taking back most of what they had credited me. I feel that the bank still owes me $370.00.  I will be seeking legal advise if this is not refunded to me. 
Regards,
[redacted]

[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] Date: August 4, 2016 Account: [redacted] Regarding Your Access 360 Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

Access 360 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. On April 4, 2016, [redacted], our third-party vendor that services our Access 360 accounts, blocked your Access 360 account due to the number of disputes you have filed on the card. There was a $337.75 balance on the account at that time. On April 12, 2016, we sent a $337.75 cashier’s check to you, which was cashed on April 18, 2016. A copy of the cashed check is enclosed for your reference. After reviewing your account, we confirmed that an additional deposit of $40.90 was processed to the account. Please be assured that we have issued an additional check for $40.90 to your address listed above on August 3, 2016. If you do not receive the check by August 18, 2016, please contact me directly using my phone number listed below. 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 T.Office of the President Pc: Revdex.com Enclosure: Check Image

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  The response by the busines states in relevant part: "the Bank did not offer a promotion for cardholders to earn 8,000 reward points for spending $500.00 on their Real Life Reward [redacted] by March 31, 2015." This statement is patently false, as I have a copy of the original promotional mail to prove otherwise (attached herein as a pdf file). Furthermore, when I contacted Fifth Third Bank via phone on or around mid-June of this year, the representative acknowledged that the bank had, indeed, offer the aforementioned promotion, and asked me to wait a couple more months at most for the reward points to be applied to my account.It is patently dishonest and outrageous for the Bank to deny having offered the above-referenced promotion. Again, I have attached herein the evidence of the Bank's promotional offer.
Regards,
[redacted]

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

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]

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. 
Section d of the contract states that if the vehicle is lost or damaged the bank may use the insurance funds to reduce what is owed on the vehicle. Nowhere in the contract does it state that the application of the method would not be counted towards the monthly payments in this scenario. Page 2 section a of the contract states that I agree to payback the bank everything owed even if the vehicle is damaged- which is something I have yet to fail to do. The issue at hand is the practice that Fifth Third is taking in regards to payments received. The payment received from the insurance company should have counted as the monthly payment for October and should have advanced the payment plan as the payment was in excess of the monthly amount required by the bank. However, Fifth Third Bank has chosen, to their benefit, to not count those payments towards the monthly payments, claiming that such payments do not come from me. Fifth Third Bank, am I not the owner of the insurance payments that you received as I am the one that yearly pays my insurance company so that I am covered in occasions such as these? Is the money coming from the insurance company-hence- not my own money as well? Was it not paid on my behalf? How can you say that these monies did not come from me and therefore chose to not apply them to the monthly payment of the loan? This is an unethical business practice that benefits Fifth Third Bank as you are able to charge a late fee to the consumer. Fifth Third Bank fails to explicitly state that insurance payments received are not to be counted as monthly payments in the occasion of vehicle total loss or total damage. The fact that you apply the insurance payments first to the principal of the loan and then to the interest is a practice that you chose to exercise without informing me of it until a scenario as this occurred, and without me agreeing to it as it is not stated in the contract that I signed.
Furthermore, this whole experience really shows how much you truly care for your customers, your unwillingness to accept fault for this and not wanting to correct the information you have sent to the Credit Bureau, over a late payment of $38 dollars, which is what was owed on interest for the month of October is truly appalling. Do you realize that you are ruining my credit over $38 dollars of accrued interest from that month? All due to your inability to accept that you are not adhering to the contract signed and have chosen to exercise an unethical business practice all to gain profit from a late fee penalty? I did not mention in my first address the poor customer service I received from the manager on the phone in the collections department; but now I will. Although your employee was a manager, she chose to treat me with less respect than the one given to me by her subordinate. She repeatedly spoke over me until I finally had to tell her that it was a real shame that I was receiving such treatment from a supervisor. I had to shame her and tell her that she should be more mature than her subordinates and demonstrate true leadership by showing me respect and listening to my concerns so that she could address them properly. It's no wonder why you have such poor leaders as you yourselves are incapable of leading effectively and ethically. Fifth third Bank, you have truly been a great disappointment to work with and I will never do business with you. I am still expecting you to correct the claim that you have sent to the Credit Bureau.
Regards,
[redacted]

[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

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

We have reviewed the response from the customer, and we will not be submitting an additional response. The customer’s concerns were addressed in the previous two responses. Please let me know if any additional information is needed.Thank you,April Q.Consumer Resolution SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### | Fax: ###-###-####