Fifth Third Bank

[redacted] [redacted] [redacted] Date: September 2, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com concerning your checking account...

with Fifth Third Bank. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that we have contacted the relevant parties to fully research your account and passed on your concerns. After we received your complaint, we reviewed the activity on your checking account prior to the date the account was charged off and closed. Our review determined that the payments that posted to your account from [redacted] were ACH (Automatic Clearing House) payments. For an ACH payment to be processed, the related merchant would need to have your checking account number and the bank’s routing number. If you had outstanding ACH payments that you wished to stop from posting to your account, you had the ability to make arrangements with the payees involved or place a stop payment for each item. When requesting a stop payment, we require the exact details of the ACH item including the item date, the payee involved, and the payment amount at least three (3) business days before the payment was scheduled. The fee to place a stop payment is $33.00 per item. In the event that your checking account became overdrawn, the posted items may have been returned unpaid and subject to overdraft fees. The per item overdraft fee was based on the number of occurrences in the previous twelve (12) months. When your account was opened, on February 4, 2010, for the first occurrence, you were charged $25.00 per item. For the second through fourth, the fee was $33.00. The fifth occurrence and higher was $37.00 per item. In addition, an $8.00 daily overdraft fee was assessed when the account remained overdrawn for three (3) days. This fee was charged for every calendar day the account was overdrawn and it continued to be assessed for 20 days. On June 29, 2010, the available balance in your checking account was positive $2.63. A deposit in the amount of $70.00 posted to the account. One (1) ACH payment of $68.29 from Prematic Corp. Ins. Prem. posted to the account and a merchant payment for $55.76 was pending on the account. Due to insufficient funds, the payment from [redacted] was returned and we assessed one (1) overdraft fee of $33.00, which posted the following day. Your account remained overdrawn everyday thereafter. During that time, additional transactions posted to your account which caused additional fees to be assessed. The account was charged off for $236.83 and reported to ChexSystems for collection proceedings on August 31, 2010. I have enclosed the related checking account statements for your review. This charged off checking account was sold to [redacted] on June 10, 2011. For additional information pertaining to your charged off account, we recommend that you contact [redacted] by the following address: [redacted] 
[redacted] [redacted] 
[redacted] Please be aware that [redacted] may have sold the acquired debt to another collection agency. If you’re contacted by any collection agency, you may request validation of the debt in question and contact information in which the agency is calling you from. We strive to provide professional and accurate service to our customers, and we sympathize with any difficulties you encountered regarding your account. If I may 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, Lisa S. Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosure: Checking Account Statements

For my complaint, ID [redacted]I would like to remove it because I entered the last page in error in accident.  I also just resolved the issue with the company. Please remove the complaint and do not proceed further action as I do not wish to do so.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.  For your reference, details of the offer I reviewed appear below.
Statements 
Agreement to waive a (1) fee
Letter of response
I have attached a document showing charges for a purchase that never happened (they denied it happened) and also if needed I have a statement when trying to receive something from them they had a bogus address of [redacted]. This bank was rude to me, refusing to give me any info until I told them I was reporting them to the federal banking institution. I called them and requested balances and to close all accounts and they stated no balances and they would close all accounts per customer request, how could I possibly have known there was still a balance if they never sent me statements doing so now does not resolve the fact that they were never received in the past although numerous requests were made. I also had no access to the account on line.  
Regards,
[redacted]

[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

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  Regards, [redacted]

[redacted] Date: November 30, 2016 Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau regarding your Fifth Third Bank Essential checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the level of service you received from our Customer Service Department. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your letter, I forwarded your concerns to the relevant parties in our Customer Service Department who thoroughly researched this matter. 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. However, I cannot inform you of any specific internal actions that may be taken. Fifth Third Bank processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order: 1. Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability Policy. 2. Time-stamped debits, such as ATM withdrawals and debit card purchase, in the order in which they are received. 3. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges in the order of the largest to the smallest amount. Debit card and ATM (Automated Teller Machine) transactions are time-stamped debits and pre-authorized at the time of use, and will show as pending until they are posted. Because time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic ACH (Automated Clearing House) payments are batch debits that are not pre-authorized by us. These transactions do not include a time-stamp and will not show as pending during the day. Checks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payment was authorized to be paid. I have enclosed a copy of our current Rules and Regulations for your review. Page twelve (12) provides additional information regarding our overdraft calculation order. Page seventeen (17) provides additional information regarding transaction cut-off times. Page eighteen (18) provides additional information regarding our Funds Availability Policy. We recommend that customers keep a ledger to track all transactions, including checks they have written, so that they can know if there are items that have not posted and can plan accordingly. You can avoid overdraft situations by always making sure you have sufficient funds in your account to cover all of the debits you make. We have services available to help you keep track of your account balance and the money you have spent. These include: ** Logging on to 53.com ** Using the mobile app ** Text or email alerts ** A Fifth Third ATM ** Calling ###-###-#### ** Visiting a banking center We also offer several options that may help you manage times when you are facing an overdraft situation. These options include Overdraft Protection and Overdraft Coverage. An overdraft occurs when you do not have sufficient funds in your account to pay your transactions. You have the option of enrolling in Overdraft Coverage for ATM transactions and everyday debit card purchases. If you opt-out and attempt to authorize your card for an amount more than the balance in your account, the transaction will be immediately declined. If you opt-in to Overdraft Coverage, your card may be approved beyond the balance in your account, and the transaction will be subject to overdraft fees. As part of this service, we do authorize and pay overdrafts for the following types of transactions: ** Checks and other transactions made by using your checking account number ** Automatic Bill payments Our review of your checking account determined you have opted to decline Overdraft Coverage. You may change your Overdraft Coverage preference selection anytime by the following ways: ** Visiting a Fifth Third banking center ** Online at 53.com/accountmanagementservices ** By phone, ###-###-#### Please note that opting out of Overdraft Coverage does not guarantee that the checking account will not be overdrawn, but it does guarantee that the checking account will not be assessed an overdraft fee for any ATM or one-time debit card transactions that posts to the account while it has a negative balance. As I mentioned in our telephone conversation, we have researched your prior overdraft situations to determine if Bank error was the reason for the overdraft fees. Our review determined you have been assessed $99.00 in overdraft fees in the last twelve (12) months. Our review determined that $74.00 in overdraft fees have been reversed into your account as a courtesy, the overdraft situations below were not a result of any Bank error. Please find enclosed a copy of your checking account statement dated February 17, 2016. On February 2, 2016, the ending balance in your checking account was $28.72. On February 4, 2016, check (#[redacted]) posted to your checking account in the amount of $98.90. This transaction resulted in a negative ending balance of ($70.18). The Bank issued the enclosed overdraft notice to inform you of the overdraft, and the fee that would post to your checking account the following day. As a courtesy this fee was reversed on February 12, 2016. Your next overdraft situation occurred on May 24, 2016. Please find enclosed a copy of your checking account statement dated June 17, 2016. The ending balance in your checking account on May 23, 2016, was $8.54. Two (2) credits posted to your account totaling $3.13, the transfers resulted in an available balance of $11.67. Three (3) debits posted to your checking account on May 24, 2016. Two (2) of the items were debit card purchases totaling $11.66. Please note you were not assessed an overdraft fee for the two (2) debit card purchases. However, a check for $48.00 posted to your checking account, which resulted in a negative ending balance of ($47.99). The Bank issued the enclosed overdraft notice to inform you of the overdraft, and the fee that would post to your checking account the following day. You contacted our Customer Service Department regarding this fee. As a courtesy, the fee was reversed on May 26, 2016. Your most recent overdraft situation occurred on November 14, 2016. On November 10, 2016, your ending account balance was $267.15. It should be noted, the Bank was closed on November 11, 2016, in observance of Veteran’s Day. Ten (10) debit transactions posted to your checking account on the next business day November 14, 2016. The transactions posted to your checking account in the following order. Beginning Balance: $267.15 November 11, 2016, 4:29 PM Merchant Payment- [redacted] $ 62.16 November 11, 2016, 4:37 PM Merchant Payment- [redacted] $ 61.50 November 11, 2016, 9:12 PM Merchant Payment- [redacted] $ 9.53 November 11, 2016, 11:35 PM Merchant Payment- [redacted] $ 20.96 November 12, 2016, 1:23 PM Debit Card Purchase at [redacted] $ 6.20 November 12, 2016, 2:29 PM Debit Card Purchase at [redacted] $ 5.02 November 12, 2016, 8:49 PM Merchant Payment at [redacted] $ 24.76 November 13, 2016, 3:52 PM Merchant Payment at [redacted] $ 5.31 November 14, 2016, Check #[redacted] $121.24 November 14, 2016, Non-5/3 Cash Withdrawal Fee $ 2.75 The debits totaled $319.43, and you were assessed one (1) $37.00 overdraft fee. As noted in the enclosed overdraft notice dated November 15, 2016, you were assessed an overdraft fee for the check posting to your account. A $50.00 telephone transfer was made on November 15, 2016, into your checking account; however, this transfer did not affect the negative balance from the prior business day. On November 16, 2016, you contacted our Customer Service Department to request a fee reversal. As a general guideline, the Bank allows customer service agents to reverse up to $74.00 in overdraft fees that were not a result of Bank error. The agent correctly informed you that they could waive an additional $12.00, which would bring the twelve (12) month total of courtesy fee reversals to $74.00. In your conversation with the customer service agent you stated that the check had not posted at midnight on November 15, 2016. Please note the agent correctly informed you that a check is not a time-stamped debit and that the processing is completed as timely as possible, and that processing may not be completed by midnight. As the maker of the check to [redacted], you were aware the check was an authorized purchase and had not cleared the account. After our telephone discussion, I did research your prior calls to our Customer Service Department. My research determined you were provided incorrect information during one (1) of your calls. On October 15, 2016, you contacted our Customer Service Department and asked the agent why you were not able to check your husband’s payroll check. In error, the customer service agent informed you that you would be able to cash the check for no fee at a Fifth Third banking center. In order to cash a non- Fifth Third check, you would need to have funds in your account that would cover the amount of the check. Please accept our sincere apologies for the misinformation provided to you by the customer service agent. In the interest of customer service, we have reversed the remaining $25.00 of the $37.00 fee assessed on November 15, 2016. Fifth Third Bank does offer a check cashing service called Cash Access. Please find enclosed information about Fifth Third Bank’s Cash Banking services. Fifth Third Cash Access allows our customers to get cash immediately at competitive rates. You can cash almost any kind of check including payroll, government, personal and more. As a Fifth Third Bank checking customer, you would pay a fee of 1% for payroll and government checks, and 2% for personal checks. Please visit a local banking center for more information about our Cash Banking services. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides additional information related to the overdraft fees that were assessed to your account, and ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage options is also provided on the enclosed document. Please feel free to contact me at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. Thank you for your patience while we researched this matter for you. You are a valued customer, 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, Patrick S.Office of the President PC: Revdex.com Enclosure(s): Statements Rules and Regulations Overdraft Notice Overdraft Solutions Cash Banking Brochure

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Also don't understand how they claim its identity theft when they never verified anything before but I guess this is what they have to claim to remove this from my credit report so its acceptable. 
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 soon as the Fifth Third started applying the $44.00 payment the payment was being sent to Fifth Third and to the wrong account, an accident Fifth Third Recognized and applied it to the account that they forwarded all the statements to you and me...How did they know what account it was intended for and why did they not tell [redacted] or myself that the check was going to the wrong account but was applied to the correct account. Was Fifth Third not aware who [redacted] was and why checks are sent by them? Fifth Third new it was the wrong account # and rejected another proposal on December 14th 2015 by [redacted]... Meanwhile my credit is damaged and more interest and penalties have been applied to my account because of a mistake of account numbers that Fifth Third new was a mistake. As a business owner I know if I knowingly took advantage of a customers mistake I would be in trouble with the law, but I am not a bank.  Please contact me with any further questions and thank you for your time. [redacted]

[redacted] McGovern [redacted] Date: March 11, 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 the level of service you received from our Customer Service Department. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an experience to our customers. After receiving your letter, I forwarded your concerns to the relevant parties in our Customer Service Department who thoroughly researched this matter. 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. However, I cannot inform you of any specific internal actions that may be taken. Please also accept my sincere apologies if you do not find our website convenient and easy to use. The Bank has designed our installment loan payment system website with the intention of providing our customers with a convenient and easy way to make their payments. We regret if this has not been your experience. As I explained during our telephone conversation on March 9, 2016, there has been no negative credit reporting of your account. Although your loan payment is considered late if the full payment amount of $238.65 is not received by the payment due date on the fourth day of each month, late payments are not reported to the credit reporting agencies if the payment is received within thirty (30) days of the due date. I have confirmed that there has been no negative credit reporting of your account. Also during our telephone conversation, and as you told me you are already aware, there have been a total of three (3) late payment fees assessed to the account since the account has been open. In the interest of customer service, and because we value you as a customer of the Bank, each of these late payment fees have been reversed. Also during our telephone conversation March 9, 2016, you stated that the issues you have experienced making your loan payments through our website have now been resolved. If you have any issues in the future, please contact me directly at the telephone number listed in this letter and I will be happy to assist you. I also want to take this opportunity to let you know of an alternative method of making your loan payments. It is a service called Auto BillPayer. Auto BillPayer will automatically transfer monthly payments from a non-Fifth Third checking account to your installment at no additional cost, which is less than the cost of a postage stamp. Many of our customers appreciate the convenience of Auto BillPayer, which eliminates the need of check writing and mailing your payments. If you are interested, please call ###-###-####, Monday through Friday 8 a.m. to 5 p.m., ET. Alternatively, you can call me directly. [redacted], thank you for your patience while we researched this matter for you. You are a valued customer, and we look forward to serving your financial needs in the future. 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:       July 13, 2015Account:        [redacted]Regarding Your Installment Loan AccountDear [redacted]:We received a copy of your complaint filed with the Better...

Business Bureau, concerning your Fifth Third Bank credit card. We appreciate the time you have taken to bring this matter to our attention.Your feedback is important to us, so that we can better understand how we can improve our service to you. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction.Our records confirm that the [redacted] Signature card promotion for movies tickets purchased by Fandango.com was not offered by the Bank. The promotion was offered directly through [redacted].We are very sorry if your telephone calls to the Bank did not provide the level of customer service you desired, and if the information provided did not clearly communicate that the Bank was not responsible for the promotion or [redacted]’s fulfillment of this offer.In the interest of customer service, we have enclosed a refund check totaling $9.00. We are also sending you a gift card in the amount of $25.00 in a separate mailing. Although we sympathize with the difficulties you encountered, we are not willing to offer you $120.00 in compensation as you requested.We hope this correspondence will help you understand Fifth Third Bank’s position going forward. We appreciate your patience while we researched your request, and I trust the information detailed herein answers any questions you may have. 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,Elizabeth J. Office of the President

[redacted] Date: June 8, 2016 Account: [redacted] Regarding Your Accounts Dear [redacted]: We received your Revdex.com Complaint, regarding overdraft on your checking accounts. We appreciate the time you have...

taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, I apologize for the difficulties you have experienced. It was certainly not our intention to cause you any undue hardship or frustration. I have reviewed your account ending in [redacted] and found that the overdraft occurred due to three (3) card transactions that were pre-approved on the custodian debit card ending 2056. These three (3) card transactions were from the same merchant, [redacted], and were pre-approved on two (2) different days; the first day May 5, 2016 for $215.00 and the second day May 10, 2016 for $421.40 and $400.00. Typically, debit transactions made with your debit card using a PIN (Personal Identification Number) are processed and posted to your account on the same day the transaction is made. Credit based transactions made with your debit card, such as the [redacted] transactions, may take up to three (3) business days to post based on when the merchant presents the authorization for payment. After that timeframe, if the merchant has not yet presented the pre-authorized transaction for final payment the Bank will remove the pending charge from your account after the fourth business day. The transaction will not show against the account’s available balance again until the merchant presents it for final payment and it posts to the account using the original authorization number they received. At this time, merchants are not required to receive a new authorization to present the transaction for final payment if the previous authorization is no longer pending on the account. Therefore, on May 13, 2016, when your account had a negative balance of ($187.90), it is possible that one (1) or more of these three (3) transactions listed above may not have been showing as a pending item in your available balance until the merchant presented the transaction for final payment during overnight processing. You would not have been aware of the negative balance by viewing your account online until the next morning. Please be assured, that your checking account was not assessed overdraft fees for this occurrence because your account had sufficient funds at the time of the original pre-authorization. If these transactions are unauthorized you may dispute them with our Disputes Resolution Department by calling them at ###-###-#### their hours of operation are Monday through Friday, 7 a.m. to 8 p.m. and Saturday 8:30 a.m. to 5 p.m. Please be advised your monthly statement fee is not for the management of your money. The fee is charged for providing you an account to transact your business. Online balances are up to date and the available balance will show all pending card transactions (excluding the transactions explained above where either the Bank or Merchant has released the charge and the Merchant is representing the charge). Automated Clearing House (ACH) payments will not show as pending and will post with any checks during overnight processing as well. We appreciate your patience while we researched this matter and apologize for any inconvenience this situation 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, Shannon K.Office of the President

[redacted] Date: December 17, 2015 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com concerning your Essential Checking account. We appreciate the opportunity to respond to 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. However, we stand by the response conveyed to you in our previous letter sent to the above address on December 9, 2015. Our position on this matter has not changed. As we previously mentioned, because transactions continued to occur, we were unable to close the account as you had requested. Once the account balance is zero and without pending transactions, you may request the account closure by visiting your local banking center or by contacting our Customer Service Department at [redacted] Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. It should also be mentioned that because the transactions that were presented after the requested account closure were previously authorized by an account holder, the Bank is obligated to honor them. The only way to prevent these transactions would be to request a stop payment for any ACH transactions or checks that were written, and had not yet cleared the account. Prior to account closure, the account holders are responsible for making sure that all previously authorized payments are cleared. 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: February 17, 2016     Account: [redacted]Regarding Your Fifth Third Bank [redacted]Dear [redacted]: We received a copy of the complaint you filed with the Better...

Business Bureau, concerning your [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. Your comments expressing less than quality customer service are very concerning. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. We sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to us. Feedback like yours helps us identify problems and improve the level of service we provide to our customers. Please be assured that the relevant parties have been contacted to express your dissatisfaction with the service you received.Please find enclosed your credit card statements dated December 24, 2014 to your present statement dated January 22, 2016. Your credit card statement issued on December 24, 2014, indicated a minimum payment of $52.00 was due by January 21, 2015. On January 21, 2015, the Bank had not received your minimum payment and a $25.00 late charge was assessed to your credit card account.Your next statement dated, January 24, 2015, indicated the $25.00 late charge and the minimum payment due was $129.00 by February 21, 2015. The Bank received and posted your payment of $55.70 on January 23, 2015. However, this payment did not satisfy the minimum payment due by February 21, 2015. Therefore, on February 23, 2015, a $35.00 late charge was assessed to your credit card account. This fee is on your statement dated February 24, 2015.Your February 24, 2015, statement indicated a minimum payment of $161.30 due by March 21, 2015. This payment included a past due balance of $73.30. The Bank received and posted your two (2) payments of $44.00 on March 3, 2015, and March 16, 2015. However, no other payments were received prior to March 21, 2015. Therefore, a $35.00 late charge was assessed to your credit card account. This fee is on your statement dated March 24, 2015. Your March 24, 2015, statement indicated a minimum payment of $161.30 was due by April 21, 2015. This payment included a past due balance of $73.30. The Bank received and posted your $44.00 payment on April 15, 2015. However, this payment did not satisfy the minimum payment due by April 21, 2015. Therefore, a  $35.00 late charge was assessed to your credit card statement. This fee is on your statement dated April 24, 2015. Your April 24, 2015, statement indicated a minimum payment of $206.30 was due by May 21, 2015. This payment included a past due balance of $117.30. The Bank received and posted your $44.00 payment on May 11, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on May 22, 2015. This fee is on your statement dated May 22, 2015. Your May 22, 2015, statement indicated a minimum payment of $252.30 was due by June 21, 2015. This payment included a past due balance of $162.30. The Bank received and posted your $44.00 payment on June 8, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on June 23, 2015. This fee is on your statement dated June 24, 2015.Your June 24, 2015, statement indicated a minimum payment of $298.30 was due by July 21, 2015. This payment included a past due balance of $208.30. The Bank received and posted your $44.00 payment on July 14, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on July 22, 2015. This fee is on your statement dated July 24, 2015.Your July 24, 2015, statement indicated a minimum payment of $345.30 was due by August 21, 2015. This payment included a past due balance of $254.30. The Bank received and posted your $44.00 payment on August 10, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on August 24, 2015. This fee is on your statement dated August 24, 2015.Your August 24, 2015, statement indicated a minimum payment of $393.30 was due by September 21, 2015. This payment included a past due balance of $301.30. The Bank received and posted your $44.00 payment on September 11, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on September 22, 2015. This fee is on your statement dated September 24, 2015. Your September 24, 2015, statement indicated a minimum payment of $454.30 was due by October 21, 2015. This payment included a past due balance of $349.30. The Bank received and posted your $44.00 payment on October 14, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on October 22, 2015. This fee is on your statement dated October 24, 2015.Please note, based on your payment history, the Bank did revoke your ability to make purchases with your credit card account on October 23, 2015.Your October 24, 2015, statement indicated a minimum payment of $516.30 was due by November 21, 2015. This payment included a past due balance of $410.30. The Bank received and posted your $44.00 payment on November 10, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on November 24, 2015. This fee is on your statement dated November 24, 2015. On December 14, 2015, the Bank received a proposal from [redacted] ([redacted]) regarding a payment plan for your credit card account. On December 15, 2015, the Bank was contacted by [redacted], from [redacted], regarding the proposed payment plan. During that conversation, [redacted] was informed that the account in question ([redacted]) was not a valid account number. Our agent suggested to [redacted], that the card might be your credit card ending in [redacted]. The Bank rejected the initial proposal on December 15, 2015, because the account number was not a credit card account.On December 17, 2015, the Bank received an offer of $44.00 payments toward your debit card account ([redacted]). The Bank faxed a counter-offer to [redacted] at [redacted] for a payment of $52.00 on the correct account ending in [redacted]. On December 22, 2015, the Bank received an offer for the correct account number ending in [redacted] with monthly payments of $52.00. The Bank accepted this payment plan. The first payment of $52.00 was due on January 20, 2016. The Bank has lowered your interest rate to a fixed rate of 5.99%. Please use the enclosed statements as verification of the lower interest rate beginning with your statement dated December 24, 2015.Please note, the Bank did receive a $49.40 payment on January 11, 2016. This is the last payment made toward your credit card account. It was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matter. You are a valued customer and we hope you will allow us to serve 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, Patrick S.Office of the PresidentPC: Revdex.comEnclosure: Credit Card Statements

February 26, 2015 [redacted] [redacted] [redacted] [redacted] Re: Turndown of Easy Home Refinan*e Loan Dear [redacted]. [redacted]: We re*eived a *opy of the *omplaint sent to the Bank on your behalf from the Revdex.com regarding the turndown of an...

Easy Home Refinan*e Loan. We appre*iate the opportunity to respond to this matter, and we sympathize with the experien*e that the loan pro*ess has had upon you. On behalf of the Bank, please a**ept my sin*ere apologies for the diffi*ulties you have experien*ed with your refinan*e. It was *ertainly not our intention to *ause you any hardship. We strive to provide an ex*eptional experien*e to our *ustomers, and I am sorry we did not meet your expe*tations. I also want you to know that *ustomer feedba*k is reviewed by our senior and exe*utive management teams as part of our ongoing *ommitment to improving our *ustomers’ satisfa*tion. You applied for a loan with Fifth Third, using you home as *ollateral on November 28, 2014. A pre-approval status was obtained based on the paperwork that you provided to the representative that you were working with at your lo*al bran*h. Be*ause the loan was being se*ured with real estate, an appraisal was ordered to be obtained. You obtained an appraisal and turned it in to Fifth Third. As are our pro*edures, we had an independent appraisal done as well. The independent drive by appraisal was *an*elled due to prior servi*e on the property. They stated there was signifi*ant deferred maintenan*e and requested a full inspe*tion of the property to determine the *urrent *ondition of the property. The appraisal *ame ba*k stating that there were numerous items that needed to be repaired. The estimated *ost of these repairs was quoted as $[redacted]. That *ost ex*eeded the *ost to *ure allowed. For your property, the amount of repairs needed to be done would have had to be less than $[redacted] to allow us to extend the loan to you. I apologize if there was a mis*ommuni*ation about what the $[redacted] in repairs referred to. The representative you were working with *onta*ted the underwriters and regional loan *hampion to obtain an ex*eption on the loan. Fifth Third wants to be able to assist our *ustomers with their finan*ial se*urity and su**ess. We, as a finan*ial institution, have guideline, rules and regulations that we need to adhere to and work within. Unfortunately, with the guidelines that are in effe*t for our loan produ*ts, Fifth Third was unable to extend any type of ex*eption. On*e you are able to bring the *ost of repairs within the guidelines for lending, a new appli*ation *an be submitted. Fifth Third Bank, Member [redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered servi*e marks of Fifth Third Ban*orp Thank you for your patien*e while we resear*hed this matter for you. You are a valued *ustomer, and we look forward to serving your finan*ial needs in the future. If I *ould be of further assistan*e to you, please *onta*t me dire*tly at [redacted] Sin*erely, [redacted] *onsumer Resolution Spe*ialist Offi*e of the President

[redacted] Date: November 23, 2016 Account: [redacted] Regarding Your Secured [redacted] Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your Secured [redacted]. 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. We strive to provide professional and accurate information 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 thoroughly researching your Secured [redacted] ending in [redacted], we waived the $35.00 late charge that was assessed to your account on October 18, 2016. The fee waiver will appear on your December 2016 billing statement. As of November 23, 2016, the balance on your account is $178.21, and a minimum payment of $35.00 is due on December 17, 2016. Since you closed your card, if you would like for us to use the secured funds in your savings account ending in 9858 to pay off the balance on your Secured [redacted], please contact me at either number below, and I will be happy to assist you. Otherwise, the secured funds will not be released until your account is paid in full. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] Date: June 28, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your additional 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. We previously advised that if you would like to re-open the dispute that you could submit proof of a billing error. We received the additional complaint, but you did not provide any documentation to support your rejection of the dispute denial. As a result, we were unable to reopen the claim and the dispute denial is final. I am sorry for the distress this may cause you. We appreciate your patience while we researched this matter and apologize for the 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: Previous Response

[redacted] [redacted] [redacted] Date: July 29, 2016 Regarding Your Recent Mortgage Loan Applications Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com, regarding your recent mortgage...

loan applications. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We received your original complaint filed with the Consumer Financial Protection Bureau on July 12, 2016. In addition, we received your original complaint filed with the Revdex.com on July 15, 2016. We received your follow up complaint with the Revdex.com on July 26, 2016. However, we stand by the response conveyed to you in the previous letter sent on July 19, 2016. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. While it is our desire to extend credit to every individual that applies, it is not always possible for us to do so. When applying for a mortgage loan several factors are reviewed before approval may be given for the mortgage, including any information we receive from the credit reporting agencies, the documentation you have provided, and an appraisal of the property. Should the information we receive not meet our current guidelines for lending, your application may be declined. As mentioned in our response dated July 19, 2016, you met with Diann P., Mortgage Loan Originator, to apply for a mortgage loan. A credit report was ordered as part of the application process, and the information on the credit report indicated a large lien. You discussed the required documents for a Home Affordable Refinance Program (HARP) application, and you told Ms. P. that you would contact her when you had cleared up the negative credit reporting. In March 2016, you contacted Diann Preiss and submitted a new mortgage application on March 31, 2016. As part of your new mortgage loan application a new credit report was ordered and the information on the credit report indicated new disputes. After you contacted Ms. P. to inform her you had corrected the new disputes, a credit report was ordered to confirm the negative reporting had been removed. Unfortunately, new disputes appeared on this credit report. Our research determined you contacted Diann P. a third time to discuss a third application. You had mentioned that you had fixed the credit bureau disputes. In your discussion with Diann Preiss, you stated you would call the companies to ensure the disputes were no longer on your credit report. It was decided that you would contact Diann P. when you had confirmed the disputes were removed from your credit reporting and you were ready to submit a third application. I was unable to find a new application in our mortgage application system. If you would like to apply for a mortgage loan refinance, please contact Diann Preiss or another Fifth Third banking center to submit a new application. Additionally, our Retail Direct Sales Team can assist you with a telephone application. You can contact the Retail Direct Sales Team at ###-###-####, option 6, Monday through Friday, 8 a.m. to 8 p.m.; Saturday, 8 a.m. to 5 **m., ET. An agent will be able to assist with your mortgage loan application. It was certainly not our intention to cause you any hardship or frustration. You are a valued customer and we look forward to serving your financial needs in the future. 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 **m., ET. Sincerely Patrick S.Office of the President PC: Revdex.com Enclosures: Prior Response

Customer called Revdex.com stating business has contacted him and resolved his concerns.

[redacted] Date: December 7, 2015 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding the...

final payoff amount for your installment loan. 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, I would like to offer my sincere apologies for any inconvenience this matter may have caused you. Please be assured that we have researched this matter thoroughly, and we have passed on your concerns to the relevant parties within the Bank. I also want you to know that our senior and executive management teams review customer concerns as part of our ongoing commitment to improving our customers’ satisfaction. On July 28, 2009, you agreed to a seventy-two (72) month installment loan for $12,016.55 with a maturity date of August 1, 2015. Your payment of $192.76 is due on the first (1st) of every month. Enclosed please find a copy of your installment loan security agreement which details the terms of the loan. Please note your installment loan is a simple interest loan, with interest accruing daily on unpaid principal. When we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last payment. Then we apply the remaining funds to the unpaid principal balance. Your payment habits affect the amount of interest you pay over the life of the loan. If payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of your loan. Because less of your payments were applied to the principal balance, there may be a larger final payment due to additional accrued interest. In our previous response, we provided you with your installment loan payment history. As we discussed in our phone conversation, December 2, 2015, I did not provide you with another copy of this payment history. The payment history reflects a variance for principal and interest paid each month depending on the payment date. After cancelling your Auto BillPayer enrollment in January 2012, the Bank automatically ordered a coupon book for your installment loan. The coupon book was mailed on January 17, 2012. As we discussed in our phone conversation December 2, 2015, the coupon book was mailed to the address on file. Unfortunately, you had moved and we did not receive an updated address until March 2012. A second coupon book was mailed in March 2012, which you stated you did receive. The Bank automatically sends out a final bill during the month prior to the maturity date. I have enclosed a copy of the notice mailed to you on July 7, 2015. Once we have received the final payment for an installment loan, the lien for the vehicle will be released within ten to fifteen (10-15) business days. Your installment loan has a fifteen (15) day grace period. The grace period does not extend your due date. The grace period allows you fifteen (15) days after the due date to make your payment in order to avoid late fees. Please note, page 2 item 6, titled Late Charge, which states you agree to pay a late charge if the payment is not received within fifteen (15) days from the due date. The late charge will be 10% of the payment, which is not paid in full, or $20.00, whichever is greater. As of November 27, 2015, you have $69.33 in late fees due on this installment loan. Below, is a payment breakdown of the received payments for this installment loan. The payment breakdown shows the seventy-two (72) monthly payments necessary to satisfy the loan. This table shows the late charges assessed to your installment loan. If you have any questions after reviewing this breakdown, please contact me at the phone number found at the end of this response. Due Date Late Due Date Late Pymt Date Paid Fee Pymt Date Paid Fee 1 9/1/2009 8/25/2009 $0.00 37 9/1/2012 10/15/2012 $20.00 2 10/1/2009 10/13/2009 $0.00 38 10/1/2012 11/15/2012 $0.00 3 11/1/2009 10/26/2009 $0.00 39 11/1/2012 12/14/2012 $0.00 4 12/1/2009 11/30/2009 $0.00 40 12/1/2012 12/14/2012 $0.00 5 1/1/2010 12/7/2009 $0.00 41 1/1/2013 2/4/2013 $20.00 6 2/1/2010 2/3/2010 $0.00 42 2/1/2013 2/13/2013 $0.00 7 *3/1/2010 4/23/2010 $20.00 43 3/1/2013 3/18/2013 $20.00 8 4/1/2010 4/23/2010 $20.00 44 4/1/2013 3/25/2013 $0.00 9 5/1/2010 6/1/2010 $20.00 45 5/1/2013 4/25/2013 $0.00 10 6/1/2010 7/1/2010 $20.00 46 6/1/2013 5/28/2013 $0.00 11 7/1/2010 8/2/2010 $20.00 47 7/1/2013 6/5/2013 $0.00 12 8/1/2010 9/1/2010 $20.00 48 8/1/2013 7/3/2013 $0.00 13 9/1/2010 10/1/2010 $20.00 49 9/1/2013 8/26/2013 $0.00 14 10/1/2010 11/1/2010 $20.00 50 10/1/2013 9/16/2013 $0.00 15 11/1/2010 12/1/2010 $20.00 51 11/1/2013 10/10/2013 $0.00 16 12/1/2010 1/3/2011 $20.00 52 12/1/2013 11/13/2013 $0.00 17 1/1/2011 2/1/2011 $20.00 53 1/1/2014 12/31/2013 $0.00 18 2/1/2011 3/1/2011 $20.00 54 2/1/2014 2/14/2014 $0.00 19 3/1/2011 4/1/2011 $20.00 55 3/1/2014 3/12/2014 $0.00 20 4/1/2011 4/29/2011 $20.00 56 4/1/2014 4/7/2014 $0.00 Due Date Late Due Date Late Pymt Date Paid Fee Pymt Date Paid Fee 21 **5/1/2011 6/1/2011 $20.00 57 5/1/2014 5/16/2014 $0.00 22 6/1/2011 7/1/2011 $20.00 58 6/1/2014 6/10/2014 $0.00 23 7/1/2011 8/1/2011 $20.00 59 7/1/2014 7/15/2014 $0.00 24 8/1/2011 9/1/2011 $20.00 60 8/1/2014 8/12/2014 $0.00 25 9/1/2011 9/30/2011 $20.00 61 9/1/2014 9/15/2014 $0.00 26 [redacted]10/1/2011 11/1/2011 $20.00 62 10/1/2014 10/6/2014 $0.00 27 11/1/2011 12/1/2011 $20.00 63 11/1/2014 11/12/2014 $0.00 28 12/1/2011 12/30/2011 $20.00 64 12/1/2014 12/11/2014 $0.00 29 +1/1/2012 3/7/2012 $20.00 65 1/1/2015 2/3/2015 $20.00 30 2/1/2012 3/7/2012 $20.00 66 2/1/2015 2/3/2015 $0.00 31 3/1/2012 3/7/2012 $0.00 67 3/1/2015 3/16/2015 $0.00 32 ++4/1/2012 3/21/2012 $0.00 68 4/1/2015 4/13/2015 $0.00 33 +++5/1/2012 6/15/2012 $0.00 69 5/1/2015 5/11/2015 $0.00 34 6/1/2012 7/16/2012 $0.00 70 6/1/2015 6/8/2015 $0.00 35 7/1/2012 8/17/2012 $0.00 71 7/1/2015 7/13/2015 $0.00 36 8/1/2012 9/18/2012 $20.00 72 [redacted]8/1/2015 $69.33 *Payment made on 03-30- 10, was received but returned as Insufficient Funds or Account Closed ** No payment received in May 2011. [redacted] No payment received in October 2011. + No payment received in Jan 2012, and Feb 2012 ++ Payment on March 15, 2012, was returned due to Insufficient Funds +++ Payment made on May 11, 2012 did not satisfy a full payment. [redacted]Late charge is 10% of balance due or $20.00 whichever is greater. This charge was waived on November 30, 2015 The remaining balance as of December 2, 2015, is $393.14. You may make a payment at any local Fifth Third Bank banking center, or you may mail a check or money order for the final payoff to the following address. Fifth Third Bank Installment Loan Payoffs MD 1MCO2J 5050 Kingsley Drive Cincinnati, OH 45263-9998 The payoff amount of $393.14 includes: ? Principal amount: $ 393.14 ? Interest Balance: $ 0.00 ? Total fees due: $ 0.00 It was certainly not our intention to cause you any hardship. Upon reviewing your payment issues, our research determined no bank error in how your payments have been processed. Therefore, we are unwilling to waive any late charges, or provide you with any additional compensation. I am sorry for any frustration this may cause you. Thank you for your patience while waiting for a response. You are a valued customer, and we hope you will consider using Fifth Third Bank for your financial needs in the future. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President Pc: Revdex.com Enclosures (2): Payment history and Note

[redacted] Date:       June 3, 2015 Account: [redacted] Regarding Your Platinum Credit Card Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com, regarding your Platinum Credit Card. We appreciate the time you have taken to document 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. However, we stand by the response conveyed to you in our previous letter sent to the above address on May 26, 2015. Our position on this matter has not changed. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please call me at 513­358-0015, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely,   [redacted] Consumer Resolution Specialist Office of the President Pc: Revdex.com