Fifth Third Bank

September 30, 2014
[redacted]
Re: XXXXXX[redacted]
Dear Ms. [redacted],
We received a copy of your complaint filed with
the Revdex.com, regarding a payment submitted for your closed
mortgage loan account. 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. On behalf of the Bank, please
accept my sincere apologies for any inconvenience this matter may have caused
you. We strive to provide professional and accurate service to our customers
and we regret if that has not been your experience.
On December 28, 2010, a
payoff in the amount of $[redacted] posted to your mortgage loan and the
account was closed at that time. On July 7, 2014, we received check number
[redacted] in the amount of $[redacted] for your closed mortgage loan. After
further research, I confirmed that the check was not negotiated by the Bank.
Due to the closed status of your mortgage loan, the original unprocessed check
was mailed back to the address on file for your account at that time. We
apologize for any misunderstanding that may have occurred in this situation.
Therefore, we are unable
to issue a refund for the check sent by your bank as payment on the closed
mortgage loan. In order to have a refund issued for this check, please contact
your bank directly so they can verify that the check in question is still
outstanding and credit the funds for this item back to your account.
Ms. [redacted], please be
assured that it was not our intention to cause you any hardship or frustration.
You were a valued customer and we hope that you will consider the Bank for your
financial needs in the future. If I could be of further assistance to you, please
contact me directly at [redacted] or toll free at [redacted].
Sincerely,
[redacted]
Consumer Resolution Specialist Office of the President
Pc: Revdex.com

[redacted] Date: December 14, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com. We appreciate the time you have...

taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. At Fifth Third Bank, we are committed to doing what is right for our customers and although we strive for excellence, mistakes sometimes happen. An internal processing error caused the payment for your insurance premium to be delayed. We have already taken the necessary actions to correct this occurrence and prevent it from happening in the future. The premium for your homeowner’s insurance policy was sent on November 23, 2016. Because Auto Owners did not process the check, we cancelled it and sent a replacement by overnight mail. We contacted your insurance company and confirmed that they received it. Your policy is active and the late fee has been reversed. Please be assured that Fifth Third Bank takes your feedback seriously and I appreciate this opportunity to respond to your concerns. You are a valued customer and we look forward to continuing our relationship with you. If I could be of further assistance to you, please call me at 513-358-0858 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.  My agent has faced the letter along with your required information multiple times. I have called to confirm with your insurance department and each time I am told they have not received any letter. I had her fax to the number provided in the last answer. Please contact [redacted] at [redacted] ###-###-#### to clear the matter up since your insurance department refuses to help. I will consider it resolved at that point. 
Regards,
[redacted]

[redacted]We have responded to this customer’s complaint twice. She does not provide any additional information in the 2nd rebuttal.Can you please advise the customer that we stand by our 2 previous responses and consider this matter closed?Thank you,Lisa S.| Fifth Third Bank Consumer Resolution Specialist| Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263P: ###-###-#### F: ###-###-#### email: [redacted]

October 10, 2014
[redacted]
[redacted]
Re: Installment loan xxxxxxx[redacted]
Dear Ms. [redacted],
We
received a copy of your complaint filed with the Revdex.com
regarding your installment loan 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 frustration you experienced
regarding this matter.
Thank
you for taking the time to speak with me about your concerns on October 7,
2014. Per our conversation, our Collection Department has several different
options available to help you pay the loan in full so that we do not repossess
the vehicle or charge off the account. Please contact Collection Manager [redacted]
[redacted] directly at [redacted]. Mr. [redacted] can explain to you the options
that we have available so you can determine what will work best for you.
Your comments expressing less than quality service are
very concerning and have been forwarded to the appropriate personnel. We
appreciate your feedback as it assists us in identifying problems and to
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 this matter.
We appreciate
your patience while we researched this matter. If I can be of any further
assistance, please contact me at [redacted], or toll free at [redacted]
[redacted]
Sincerely,
[redacted]
Consumer Resolution Specialist Office of the President
Pc: Revdex.com

[redacted] Date: May 22, 2017 Application: [redacted] Regarding Your Recent Loan Application Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com concerning your recent loan application. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies if my previous response to you did not address all of your concerns. We regret 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. Although you did initially visit our [redacted] Financial Center on April 15, 2017, and were assisted by Retail Personal Banker Shari B. at that time, the application was not input into our loan system until April 17, 2017. The application was not input on April 15, 2017, because Ms. B. was unable to enter your application on April 15, 2017 due to system issues. Please also be assured that only one (1) loan application was submitted. When I was researching this matter previously, I contacted Ms. B. and she stated that she called you on April 18, 2017, after she realized that she mistakenly input an application for a Home Equity Loan instead of a Home Equity Line of Credit as you had requested. In response to your follow up complaint, I contacted Ms. B.. Ms. B. stated that you contacted her on April 20, 2017, and that is when she realized that an incorrect loan product was mistakenly selected when she input the loan application. Your statement that you notified Ms. B. of the issue with the loan application is correct. Ms. B. did not become aware of the problem until you brought the matter to her attention. Please accept my sincere apologies that this was not clearly communicated to you in my previous response dated May 9, 2017. A copy of my previous response dated May 9, 2017, is enclosed for your review and convenience. Regarding your request for all of the documents associated with the loan application, as was stated in my previous response to you dated May 9, 2017, the only documents associated with your loan application are the documents you received after Ms. B. input the loan application. They are the documents that you were provided with on April 18, 2017. Although the Bank did receive a copy of your credit report in connection with your loan application, the Bank is unable to provide you with a copy of your credit report because your credit report is not owned by the Bank. Your credit report is property of the credit reporting agencies. For this reason, you would need to contact the credit reporting agencies directly if you would like a copy of your credit report. If you would like to contact the credit reporting agencies directly to request a copy of your credit report, their contact information is below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### You may also request a copy of your credit report online by visiting annualcreditreport.com. I will reiterate that we are required by law to retain application materials for an extended period of time, and we must, therefore, deny your request to delete information regarding your application. You may, for instance, review the regulation at 12 CFR 202.12(b) (3) which imposes certain retention obligations on the bank. Please also be assured, as was communicated in my previous response regarding the level of service you received from Ms. B., your concerns were forwarded to the relevant parties at the Bank. Unfortunately, we cannot inform you of any specific actions that might be taken in relation to our employees since any specific actions we may take are only for the Bank’s internal use. Please also be assured that there is no evidence to suggest that the error made by Ms. B. was intentional. Ms. B. simply made a mistake when she input your loan application and selected the incorrect loan product. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosure: Previous Response Dated May 9, 2017

5050 Kingsley Drive MD 1MOCOP Cincinnati, OH 45263 [redacted] Date: October 7, 2015 Account: [redacted] Regarding Your Identity Alert Premium Dear [redacted]: We received a copy of the complaint...

you submitted to the Revdex.com, regarding your Identity Alert Premium account. 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. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We strive to provide professional and accurate service to our customers, and we regret if the service you received did not meet the same high standard. Prior to May 22, 2014, customers enrolled in Identity Alert had the option to have the monthly charge billed to their checking account, credit card or non-Fifth Third Bank account. It should be noted that Identity Alert enrollments after this date could only be billed to a Fifth Third Bank checking account or Money Market savings account. On October 14, 2014, your Identity Alert Premium account was opened with the Bank. The monthly charge for your Identity Alert Premium account was billed to your Essential Checking account ending in 0202. On September 25, 2015, your Essential Checking account was closed with the Bank. Unfortunately, we were not able to transfer the billing of your Identity Alert Premium service to a non-Fifth Third Bank account because your enrollment occurred after the cutoff date of May 22, 2014. We apologize for any miscommunication or difficulty you may have encountered during this situation. On September 29, 2015, your Identity Alert Premium account was closed per your request. Since your Identity Alert Premium account was closed prior to the next billing date of October 14, 2015, no additional charges will be assessed for the cancelled service. [redacted], please be assured that it was not our intention to cause you any hardship or frustration. You were a valued customer and we hope that you will consider the Bank for your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S.Office of the President Pc: Revdex.com

[redacted] Date: November 5, 2015 Regarding Your Fifth Third Bank Accounts Dear [redacted]: We received a copy of the complaint you filed with the [redacted], the...

Revdex.com, and the [redacted]. We are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. Please be assured we have researched your concerns and passed them on to the relevant parties within the Bank. Customer concerns are also reviewed by our executive management as part of our ongoing commitment to improving our customers’ satisfaction. An account owner may submit a request to close their Access 360° Reloadable Prepaid Card either by telephone or in person; however, the customer must first bring the card balance to $0.00. Your personal Access 360° Reloadable Prepaid Card ending in 1449 was closed on October 22, 2015. All Business Checking accounts are charged a $50.00 fee to close the account regardless of how long they have been open. This information is disclosed in our Rules and Regulations handbook and our policy is to provide all new account holders with a copy of this handbook at account opening. We regret if you received conflicting information regarding this matter. In order to provide you with a more positive resolution to your concerns, we have waived the $50.00 fee and closed the checking account ending in 5049 at a zero balance. The active Enhanced Debit cards had already been blocked from use per your request. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration these matters may have caused you. You were a valued customer and we hope that you will consider us to serve your future financial needs. If I could be of further assistance to you, please call me at ###-###-####, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S. Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   There are MATERIAL FALSEHOODS IN THE RESPONSE.1)  The application completion was done at the branch on 4/15/17.  There were 2 problems: the first application, she did something to cause it to fail to be saved.  We started again; perhaps that should have been a warning.  Once the second application was done, the "system" would NOT allow for printing out of the documents, and I made arrangements to stop by on 4/18/17 to finally pick up the paperwork.  I did not review it on 4/18 at the branch or at home, as I was not available to do so.  I never should have left the office without reviewing them.  I found out on 4/19 around 7 pm that there was a MAJOR problem with the paperwork, that being the loan was not the one I wanted.  I called Ms. B. on 4/20 at 10:24 am, as per my cell phone call log-it was a 7 minute call, and explained the problem.   I was assured repeatedly that there would be no problem changing to the correct loan, and I asked, repeatedly about my credit being hit, for which I was also told there was no reason to do so again.  I made it abundantly clear that I did not think that was the case.  I found out later that same day, around 4:40pm when she called me at home to confirm that yes, there was a problem, and it was exactly the same one I told her would happen:  my credit would be hit again for an inquiry (5 points).  I was livid.  I demanded in that phone call, and a subsequent one closer to 5pm, that I wanted direct phone numbers to headquarters so I could file a formal complaint against her.  All I got was that I "had to let things go thru the proper channels".  Why, so she could falsify information?  No, I began to file a complaint with Revdex.com when even the 800 line for Fifth Third refused to help me with anything.2)  Ms. B. NEVER called me on 4/18.  I came to her office to pick up the paperwork at the agreed upon time after the Saturday printing problems - around 4:30 pm.  As noted above, I failed to look at the papers at the office.  The only time she called me was AFTER I brought up the problem and she said she would check into it.  There is NO call made to my cell number, nor was there a voice mail at my home phone when I got home around 5:30 pm on 4/18.  After returning home around 11 pm that night after going out, there was no voice mail on my home phone either.3)  I was the one who notified Ms. B. of the problem.  She was unaware of the problem until I called her on 4/20, as per above.  So if she says she knew of the problem on 4/18, what the [redacted] did she do because she never called me about it, nor when I picked up the paperwork on 4/18, she NEVER said anything then either. So when on 4/18 did she become "aware" of the problem?  The "response" says she  became aware of the problem on 4/18.  Fat chance, since she had ample opportunity to tell me when I was there, and she DID NOT!As for the records deletion, I frankly do not believe the explanation at all.As for the documents Fifth Third has, that is something I do not believe.  They have credit histories on me; they ran them on 4/15 while the application, or should I say, applications, were being done.  I want them too...all of them.  I don't care if there are 'scoring' things of no interest to me or that I cannot decipher, I demand to receive copies nonetheless, as I want to be able to compare detail info "they" got to what I will get when I get my free reports, as per federal and Georgia state law.As for what happens to Ms. B., frankly the excuse I got from Mr. P. on 4/21 at 4:42 pm (after the Revdex.com complaint was received; it was a 24+ minute call that covered the sequence of events) and on 5/3 at 4:36 pm (which was an 11+ minute phone call that also recovered the sequence of events and included a discussion re: the incorrect timing per Ms. B.s version of events), that she was "new", holds no water with me.  If she was that "new", she should never had been on her own doing banking business with customers.  Period.  The fact that they failed to advise that happened to Ms. B., not even that appropriate re-training was occurring, concerns me, since she is apparently free to pull the same crap as she has done with me.If Fifth Third wants to see my call logs to the branch, ###-###-####, and Mr. P.'s phone number, ###-###-####, I will be happy, along with my attorney, to meet with them to show them to them.The response if not only not accepted, it is outright REJECTED!
Regards,
[redacted]

[redacted] Date: September 9, 2015 Account: [redacted] Regarding Your Fifth Third Bank Stand Up 2 Cancer [redacted] Dear [redacted]: We received your rebuttal to our initial response to your complaint filed with the Revdex.com, concerning your credit card. We appreciate the time you have taken to express your concerns regarding this matter. As we discussed in our phone conversation on August 18, 2015, we conducted a thorough review of your credit card account on your credit report. Our review determined that the information provided to the credit reporting agencies was not correct. However, as we agreed in our original response dated August 13, 2015, an update was submitted to the credit reporting agencies to remove the revoked status and the late payment marks. Please note, this may take up to thirty (30) additional days to reflect on your credit reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### The Bank uses an automated system to evaluate a customer’s account. The automated system uses information provided to the Bank by [redacted] in relation to a customer’s credit score. If the customer’s credit score falls within the decrease criteria, the credit limit will be decreased when the balance drops low enough to allow a decrease to take place. Therefore, due to the information received by the credit reporting agency, your credit card limit was decreased upon receipt of your monthly payment. However, the Bank will review your credit limit in thirty (30) days after the credit reporting agency corrections are reflected on your credit report. I hope this correspondence cleared up any outstanding questions you had related to this issue. 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 (1): Previous Response Letter

This company continues to damage my credit worthiness. I was told that this would be removed from my report if it was paid. I paid over 1100.00 and this is still on my credit report as a charge off by fifth third bank. They are not about quality customer service and do not value their customers. I have been calling them to resovle this issue since March when I paid the settlement amount.

A name on the account is [redacted]. She is my wife.

[redacted] Date: May 4, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: Thank you for your follow up telephone call to the Bank as well as your follow up correspondence to the Revdex.com regarding the information reporting on your credit report for your mortgage loan. We appreciate the additional time you have taken to document your thoughts and concerns in 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. During our telephone conversation on April 15, 2016, I communicated to you that [redacted] was correctly reporting the account as part of the foreclosure sale that occurred on May 22, 2013. However, it has been determined after further research that the account should be reporting as part of the Chapter 7 Bankruptcy that was discharged on October 29, 2013. Therefore, on May 4, 2016, we submitted an update to all four (4) credit reporting agencies to correctly report the account as being included in your Chapter 7 Bankruptcy, discharged on October 29, 2013, with a zero balance owed. Please allow approximately thirty (30) days for the credit reporting agencies to update their reporting. Please also be assured that we will continue to conduct reviews and follow up with the credit reporting agencies until we ensure the account is reporting correctly. If you would like to contact the credit reporting agencies directly, their contact information is provided below for your convenience: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We strive to provide professional and accurate service to our customers, and regret any confusion our prior communications may have caused for you. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com

[redacted]Date:   
April 10, 2015Account: [redacted]Re:
Checking AccountDear
[redacted]:We received a copy of your complaint from the
Revdex.com concerning your checking account. We appreciate the time
you have taken...

to document your thoughts and concerns.On August 27, 2013, you opened an Essential
Checking account at the [redacted] Banking Center. At that time, you received
information that explains the services and fees associated with the account,
such as overdraft fees. For your review, I have enclosed a copy of our Rules
and Regulations that you received at the account opening. Pages 11 and 12
provide additional information regarding how credits and debits are received
and the overdraft calculation order.In response to your concern regarding your
account activity, please understand that in some instances we receive
information on credits (+) to your account and debits (-) you made from your
account from third parties. These third parties may include other banks who
received a check you wrote, merchants where you used your debit card, or a
third party that owns a non-Fifth Third ATM (Automated Teller Machine). When an
item posts to your account may vary based on circumstances beyond our control,
such as changes or disruptions in network processing or processing delays by
the third party. Again, we do not control the timing by which a third party may
provide this information to us. However, credits (+) and debits (-) are
generally applied to your account on the first business day they are presented
to the Bank from a third party. Credits (+) are subject to Funds Availability
limitations.I reviewed the debit card transaction from [redacted] for $3.21 that you refer to in your complaint. Our
records indicate that this transaction was authorized by [redacted] on
Saturday, April 4, 2015, at 8:17pm. This transaction debited your checking
account on the next business day which was Monday, April 6, 2015. Your checking
account was not overdrawn on April 6, 2015. Therefore, you were not changed any
overdraft transfer fees for this transaction.After reviewing the activity of your checking
account, I discovered that your checking account was actually overdrawn on
April 2, 2015. The beginning balance in your account was positive $339.79. One
check in the amount of $380.00 posted to your account. Your ending balance was
negative ($40.21). According to your Ready Reserve agreement, on April 3, 2015,
we transferred $52.21 into your checking account from your credit card account
ending in 2674 to cover the item presented to your checking account. Your
checking account was charged a $12.00 overdraft protection transfer fee on
April 3, 2015. Enclosed please find the overdraft notice that was mailed to you
on April 3, 2015.It is important to ensure that you have
sufficient funds in your account to cover transactions you have authorized. For
your convenience, I have also enclosed a reference guide titled Fifth
Third Overdraft Solutions. This
guide provides additional information related to the overdraft fees that may be
assessed to accounts. We also offer ways to track your balance and manage your
account to help avoid overdraft fees on your account in the future.It was certainly not our intention to cause you
any hardship. We sincerely hope this information will help you understand the
Bank's position going forward and resolve your needs. If I could be of any further
assistance, please contact me at ###-###-#### or toll free at ###-###-####.Sincerely,[redacted]Consumer Resolution Specialist Office of the PresidentPc:
Revdex.comEnclosure:
Rules & Regulations handbook, Overdraft Solutions for Consumers, overdraft
noticeAttachments:

[redacted] Date: December 14, 2016 Account: [redacted] Re**rding Your Fifth Third Bank Installment Loan Dear [redacted]: Thank you for the letter you sent Greg C., President and Chief Executive Officer, and a copy of the complaint you recently filed with the Revdex.com concerning your vehicle installment loan. We appreciate the time you have taken to express your concerns re**rding this matter. Enclosed please find copies of your loan payment history and note. If after you review the enclosed documents you find that the account is incorrect, please forward details re**rding the incorrect information to the following address: Fifth Third Bank 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. After receiving your letter, we contacted the Collection Department who confirmed that you have a cease and desist from collection telephone calls. Please note that this does not stop other collection activity related to delinquency, including late charges, finance charges, or reporting to the credit bureaus. Please refer to page two (2) of your security agreement which provides you with information re**rding late payments to your installment loan. Specifically, item three (3), section (b) defines default as: ** You do not pay any payment on time; ** You give false, incomplete, or misleading information on a credit application ** You start a proceeding in bankruptcy or one is started a**inst you or your property; or ** You break any agreements in this contract Furthermore, section (d) of item three (3) states: We may take the vehicle from you. If you default, we may take (repossess) the vehicle from you if we do so peacefully and the law allows it. If your vehicle has an electronic tracking device, you agree that we may use the device to find the vehicle. If we take the vehicle, any accessories, equipment, and replacement parts will stay with the vehicle. If any personal items are in the vehicle, we may store them for you at your expense. If you do not ask for these items back, we may dispose of them as the law allows. For your convenience and review, we have enclosed a payment breakdown detailing the late payments on your installment loan. Our review of the payment history determined that the installment loan was seventy-four (74) days past due at the time of repossession. The Bank acted within the terms of your security agreement in repossessing the vehicle and is unwilling to reverse the fees associated with the repossession. Per your request, we have contacted the Collection Department and cancelled the three (3) payments you arranged with the Collection Department on November 28, 2016. Please use this letter as verification that the payments are cancelled, and your next payment of $429.92 is due on December 12, 2016. The Bank received your payment of $154.15 on December 5, 2016; however, this payment did not satisfy the amount due on December 12, 2016. You will need to make a payment of $275.78 prior to the end of your grace period December 27, 2016, to satisfy the amount due on December 12, 2016. 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 Greg C., President and Chief Executive Officer Enclosure: Note Payment History Payment Breakdown

[redacted] Date: February 16, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

checking 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. I appreciate the time you have taken to speak with me regarding this matter. As we discussed, the website information in question is related to the transfer you completed online at 53.com. Online transfers between your Fifth Third Bank checking and savings accounts have a cutoff time of 9 p.m., ET, on business days. Transfers completed on the weekend or Federal Holidays are counted for the next business day. This cut-off time is listed in the enclosed Rules and Regulations for the account. It is also displayed on the website at the time you are completing the transfer. On February 7, 2017, at 10:23 p.m., you transferred $919.08 from your savings account ending in [redacted] to your checking account ending in [redacted]. Because the transfer was completed after the cut off time, the funds were not available for use even though you could see the transfer completed. Because the funds were not available, the money could not be used to cover transactions that posted to your account on February 7, 2017. The funds became available for use on February 8, 2017. Your checking account was overdrawn on February 7, 2017, with an ending balance of negative ($919.08). However, because you had overdraft protection, you were not charged any overdraft fees. One (1) overdraft protection transfer fee of $12.00 was assessed the next business day. Enclosed is a copy of the overdraft notice we issued. 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 Enclosure: Overdraft Notice, Rules and Regulations

[redacted] Date: September 30, 2016 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. On December 27, 2014, you applied for and agreed to a $27,483.00 vehicle installment loan with an interest rate of 6.140%. The monthly payment for your loan is $458.46, which is due by the tenth (10th) of each month. Your loan has a ten (10) day grace period. This means that you can make the monthly payment within ten (10) calendar days of the due date before a late fee is assessed. Enclosed for your reference is a copy of your signed contract for the loan. As of September 23, 2016, your installment loan is past due for the June 2016, July 2016, August 2016, and September 2016 payments. You mentioned that we refused to accept partial payments on the account. Please be advised that partial payments can be applied to your installment loan, but cannot cover a monthly payment due unless the full amount needed to cover the payment is processed. As a result, the delinquency is not reduced. Please be advised that our Collection Department may call customers from 8:00 a.m. to 9:00 p.m. in their time zone on every day of the week, including holidays. Our Collection Department has been calling you using the phone numbers on file regarding the most recent delinquencies since May 14, 2016. Prior to that, we spoke to you on February 11, 2016, at which time you mentioned a deferment on the loan. We advised that in order to qualify for a deferment you would need to make at least one (1) payment. However, you were unable to make the payment at that time. We do not have record of any additional requests for hardship assistance regarding your loan. I reviewed the call history for your account and verified that no collection calls were placed outside of the allowable timeframe. We spoke to you on June 23, 2016, regarding the delinquency. At that time, your account was past due for the May 2016 and June 2016 due dates. You made a $500.00 payment that day to cover the payment due for May 2016. You also advised you would make an additional payment the following week. However, the last payment we received for the account was the June 23, 2016, payment. We continued to call you about the account, but were unable to speak to you again. Your account was approved for repossession on August 12, 2016. At that time, your account was sixty-two (62) days delinquent. We were able to speak to you again on August 26, 2016, at which time we explained the account had been approved for repossession. We also asked for the location of the vehicle, which you declined to provide. As of September 23, 2016, the repossession company has been unable to locate the vehicle and is actively searching for it. When an account is referred for repossession, any charges billed to the Bank for the repossession are added to the loan as a fee owed to the Bank. At this time, your vehicle has not been located so it has not been obtained by the repossession company. Therefore, a repossession fee has not yet been applied to the account. As of September 20, 2016, the past due balance owed on the account is $1,792.30. This amount does not include the next payment that is due on October 10, 2016. Please be advised that our Collection Department is willing to accept a payment equal to 75% of the delinquent amount to cancel the repossession order, which totals $1,344.22. This payment will bring your loan current, allow us to cancel the repossession, and the loan will not be in danger of being re-assigned for repossession right away. This will allow us time to process an application for hardship assistance if you would like to do so. The $1,344.22 payment must be paid via check by phone or using [redacted]. Please contact our Collection Department at ###-###-#### to set up the payment or to obtain our [redacted] information. You will still be responsible to repay the remaining 25% owed, but making the $1,344.22 payment will allow us to cancel the repossession. If you would like the collection calls to stop, you may submit a cease and desist letter. Your correspondence can be mailed to our address listed above, or faxed to my attention at ###-###-####. Please note that while we will not call you, collection activity on the account will continue. This activity might include late charges, derogatory credit bureau reporting, repossession, and charging off the account. You mentioned that you tried to refinance the loan but were unable to because our interest rate was high and the amount owed was $6,000.00 more than the vehicle is worth. Fifth Third Bank did not set the price for the vehicle. We received the application you submitted from the [redacted] dealership on December 27, 2014. Additionally, you purchased a new car and it is typical for new cars to depreciate as soon as the vehicle is purchased. The interest rate applicable to your loan was disclosed to you, which you accepted per the signed contract that lists the interest rate. The outstanding amount owed is based on the loan you requested and the contract terms you agreed to. The loan amount is not adjusted if the vehicle’s value has depreciated to an amount below what is owed on the loan. 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: Note, Payment History

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. 
Although I did not save the original letter they mailed to me, I found online the similar offer (Attached). I remembered clearly that I asked when I activated my card about the promotion, and I was told it's $500 if spending $3,000 for first 3 months, the notes was in my account. And the problem is after 3 months, I called in the card customer service and asked about the promotion, I was told I am qualified according to the notes in my account. Now after waiting and calling for almost 2 month. Suddenly I am not qualified? How shameful is this company keep doing this to her customers!
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: December 19, 2016 Account: [redacted] Regarding Your [redacted] Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

[redacted] 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. I confirmed that you spoke to a representative in our Customer Service Department on August 3, 2016, regarding the $35.00 payment that was due by July 2, 2016. We did not receive the payment until July 6, 2016; therefore, a $25.00 late payment fee was assessed on July 5, 2016. The representative you spoke to advised he would waive the fee. I am very sorry that the fee was not waived. Please be assured that I have contacted the relevant Bank personnel regarding this situation. I am sorry for the frustration this issue has caused you. We waived the $25.00 late fee assessed on July 5, 2016, as well as the $26.00 late fee assessed on September 2, 2016, and finance charges totaling $2.89. The account is now overpaid by $53.89. If you would like us to send a check to you for the $53.89, please contact me directly using my phone number listed below so that I can verify the address and issue the refund. 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 Enclosure: Statements

[redacted] Date: February 13, 2017 Account: [redacted] Regarding the Repossession of Your Vehicle Dear [redacted]: Thank you for your call to the Bank regarding the repossession of the...

vehicle securing your Fifth Third Bank auto loan. We also received a copy of the complaint you submitted to the Revdex.com. We appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the difficulties you have encountered regarding this matter. We strive to provide exceptional service to our customers, and I am sorry that was not your experience. 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 receiving notice that the insurance policy on your [redacted] was cancelled on May 19, 2016, we sent a notice to you at the mailing address on file on June 6, 2016, requesting you to submit proof of full coverage vehicle insurance required under the terms of your loan note. When we did not receive the requested proof of insurance, we sent two (2) additional notices to the mailing address on file on June 27, 2016, and July 12, 2016. I have enclosed copies of those notices for your review. When we still did not receive the requested proof of insurance, we added force-placed insurance costing $1,829.00 to your auto loan on July 27, 2016. The force-placed insurance added to your loan increased your monthly payment; however, you continued to pay the regular monthly payment of $289.78. This caused your loan to become past due. Due to the delinquency on your loan, our Collection Department made multiple attempts to contact you at the numbers on file to inform you of the delinquency and to make payment arrangements. However, you did not make any arrangements to bring your loan current, so on December 7, 2016, we referred your vehicle for repossession when your account was ninety-two (92) days past due. On January 18, 2017, we repossessed the [redacted]. That same day you contacted our Collection Department to make arrangements to redeem the vehicle. On January 20, 2017, you made a payment of $1,335.16 by check at a banking center. We reviewed your calls to our Repossession Department and confirmed that you were told that the reinstatement amount needed to be paid in cash. Since you did not pay the reinstatement amount in cash, our Repossession Department held the release of your vehicle to ensure that the check payment would not be returned unpaid. After speaking with [redacted] on January 24, 2017, our Repossession Department submitted a release to our repossession agent so that you could redeem the vehicle. It was certainly not our intention to cause you any hardship. However, our research determined that the force-placed insurance was not added on your loan in error, and the vehicle was not repossessed in error. Therefore, we are unable to reimburse you for any costs associated with the repossession. I am sorry for any frustration this may cause you. On January 27, 2017, after receiving partial proof of insurance, we credited $1,469.00 to your loan leaving $360.00 still owed for the force-placed insurance. Our research determined that you were unable to provide proof of insurance from May 19, 2016, through July 30, 2016. If you have proof of insurance for this lapse period, you may mail it to the following address: Fifth Third Bank Office of the President Attn Elizabeth D. 5050 Kingsley Drive MD 1MOCOP Cincinnati OH 45263 You may also fax this documentation to my attention at ###-###-####. Once we receive this documentation we will forward it to our Insurance Department for a possible full credit of the force-placed insurance. As of February 9, 2017, the force-placed insurance of $360.00 has been paid in full. Your loan is due for your next payment of $283.78 on March 5, 2017. You may want to consider enrolling with our Auto BillPayer service. Auto BillPayer will automatically transfer your full monthly payment amount from a non-Fifth Third Bank checking account to your loan by the due date each month at no additional charge. If you are interested in enrolling with Auto BillPayer, please contact Auto BillPayer at ###-###-####, Monday through Friday, 8 a.m. to 5 p.m., ET. Thank you for your patience while we conducted our research. You are valued customers, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Insurance notices