Fifth Third Bank

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

[redacted] [redacted] [redacted] [redacted] Date: December 29, 2016 Account: [redacted] Regarding Your Auto Loan Dear [redacted]: We received a copy of the rebuttal you submitted to the Revdex.com auto loan. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. However, we stand by the response conveyed to you in our previous letter dated December 19, 2016. Our position on this matter has not changed. In your rebuttal you mention that you were told that the two (2) payments you made in October would bring your auto loan current. This is true. The payment that posted on October 14, 2016, satisfied your September 2016 payment, and the payment that posted on October 17, 2016, satisfied your October 2016 payment. After those payments posted to your loan, your loan was due for your next payment on November 28, 2016. However, we did not receive that payment before the end of your ten (10) day grace period, so a late charge of $50.79 was assessed on December 8, 2016. On December 13, 2016, we received your payment of $558.66 which satisfied your November 2016 payment. On December 23, 2016, we received your payment of $457.08 which satisfied your December 2016 payment. As of December 28, 2016, your auto loan is due for your next payment of $507.87 on January 28, 2016. You also mentioned that you have been trying to enroll in Auto BillPayer. A review of our records shows that as of December 28, 2016, Auto BillPayer is waiting on your completed enrollment form. You had informed me that a new form was being sent to you; however, I have enclosed a copy of the form in case you have not received it. You may send the completed form to me at the following address: Fifth Third Bank Office of the President Attn Elizabeth Draper 5050 Kingsley Drive MD 1MOCOP Cincinnati OH 45263 You may also fax the completed enrollment form to me at 513-358-3493. Once I have the completed enrollment form, I will ensure that it is forwarded to Auto BillPayer to set up your automatic withdrawals. If you have any questions regarding your Auto BillPayer enrollment, please contact Auto BillPayer at 800-837-2000, Monday through Friday, 8 a.m. to 5 p.m., ET. You also mentioned in your rebuttal that you did not take out a loan with Fifth Third Bank. In order to research this matter further, we will need additional information. You may contact me at either number below, by mail at the address above, or by fax at the number listed above. I will be happy to assist you. Thank you for your patience while we conducted our additional research. 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 513-358-1813, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth Draper Office of the President Pc: Revdex.com Enclosure: Auto BillPayer Enrollment Form

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  I will never be satisfied until I get a full refund of the overdraft fee charges that occurred to my account twice for $37.00 each totaling $74.00 Fifth Third Bank refunded my account $24.00 but that is not acceptable that is only a 32% refund on charges that Fifth Third Bank authorized without my approval which then led to over draft fees. I called them one time about it and I told them not to allow any funds to be taken out of my account and all I got was grief, disrespectful attitude from the manager. She also told me that she did not care that there was not enough funds in my account to cover charges and she would gladly access overdraft payments every single time. I asked her on that day, if I come into your branch on my lunch and make my account positive could she removed the overdraft fee and she said no. She was blunt and made no effort whatsoever to try to accommodate Fifth Third Bank's customer. Honestly, I felt harassed and that is what ultimately led me to complain. Nobody should be disrespected when trying to do business with a bank and I have been disrespected by her on multiple occasions. So since I called the first time and nothing was done, Fifth Third Bank knew where I stood about the situation and they then allowed the same thing to happen to me via [redacted]. I have spoken with [redacted] and I have a letter stating I spoke with them and they would like my overdraft fee refunded because they were unable to stop the payment at the time.
I will reject every single proposal until I get a full refund of my $74 in bank overdraft fees. I am not accepting anything less. I personally feel due to the disrespect and harassment that I received on multiple accounts I should receive more than that but that is not what I am asking for.
Regards,
[redacted]

[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

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] Attention: [redacted] Date:       July 21, 2015 Account:          [redacted] Regarding Your Business Checking Account Dear [redacted]: We received a copy of your...

complaint filed with the Revdex.com, concerning your Fifth Third Bank business checking account. We appreciate the time you have taken to bring this matter to our attention. We understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience these matters have caused you. We regret that due to the volume of overdrawn accounts, we do not make out bound calls to notify customers of overdrafts situations. To assist you with monitoring your accounts, our toll-free Telephone Banking system is available twenty-four (24) hours a day at ###-###-####. It should also be noted that you are able to access your business checking account online at www.53.com. The first step to accessing your business checking account online is by going to our website at www.53.com. Once there, click on “First Time User” and follow the prompts to get logged in to the site. For additional information or for assistance, please call our Customer Service Department at ###-###-####. Our Customer Service Department is available to assist you Monday through Friday, 7 a.m. to 8 p.m., ET. They are available on Saturday, 8:30 a.m. through 5 p.m., ET. They are closed on Sunday. The fees applicable to business checking and savings accounts are disclosed to customers on www.53.com and in the Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards booklet. Upon opening your business accounts with the Bank, you should have received a copy of this booklet. I have enclosed a copy of the booklet for your review. On May 19, 2015, the balance in your business checking account was $145.19. One (1) check for $400.00 posted to the account that day, creating an ending balance of negative ($254.81). Due to non-sufficient funds, one (1) overdraft fee of $37.00 was assessed. The ending available balance was negative ($291.81). The business checking account remained overdrawn from May 19, 2015 through June 12, 2015. During that time, daily overdraft fees and additional items continued to post causing further overdraft fees on your account. On June 16, 2015, the balance in your business checking account was $953.19. One (1) check for $1,300.00 posted to the account that day, creating an ending balance of negative ($346.81). Due to non-sufficient funds, one (1) overdraft fee of $37.00 was assessed. The ending available balance was negative ($383.81). The business checking account remained overdrawn from June 16, 2015 through June 26, 2015. During that time, daily overdraft fees continued to post to your account causing further overdraft. We sympathize with the difficulties you have encountered with your account. In the interest of customer service, we reversed a total of $74.00 in overdraft fees on June 26, 2015. On July 21, 2015, we waived an additional $76.00 in overdraft fees. However, we are unwilling to reverse the entire amount of overdraft fees charged. Our records do not show that overdraft protection has been requested or established for your business checking account. If you are interested in establishing overdraft protection for your business checking account ending in [redacted], please visit the Fifth Third Bank location of your choice. 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 PresidentPc: 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.   
Nothing has been done to shorten the hold on depositsI will no longer use this institution for timely transactions
Regards,
[redacted]

[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: January 11, 2017 Account: [redacted] Re**rding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the follow up complaints you filed with the Consumer Financial Protection Bureau and the Revdex.com re**rding your installment loan. We appreciate the time you have taken to express your concerns re**rding this matter. The Bank received your original complaint filed with the Revdex.com on November 30, 2016. We have received a number of similar complaints re**rding your installment loan payments. We received your follow up Revdex.com complaint and Consumer Financial Protection Bureau complaint on January 4, 2017. However, we stand by the response conveyed to you in the previous letters sent on December 14, 2016, and December 28, 2016. I have enclosed a copy of our previous responses for your review. Our position on this matter has not changed. 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. Please find enclosed a copy of the payment breakdown we provided you with our response dated December 14, 2016. Included in this breakdown is your payment due date (the 12th of each month) and the date you made a complete loan payment. In addition, this breakdown provides you with the number of days your loan payment was past due, and the payment date satisfied by each payment. As you are aware, you made a [redacted] payment in the amount of $1,183.61 on November 28, 2016. Please use the below payment breakdown as verification that this payment satisfied your September, October and November 2016 installment loan payment. Please note the (*) indicates your [redacted] payment. Payment Due Date Date Paid 1 1/12/2016 2/1/2016 2 2/12/2016 2/26/2016 3 3/12/2016 3/29/2016 4 4/12/2016 5/4/2016 5 5/12/2016 6/6/2016 6 6/12/2016 8/2/2016 7 7/12/2016 9/20/2016 8 8/12/2016 10/25/2016 9* 9/12/2016 11/28/2016 10* 10/12/2016 11/28/2016 11* 11/12/2016 11/28/2016 12 12/12/2016 1/4/2017 13 1/12/2017 As indicated on the enclosed payment breakdown, the [redacted] payment posted to your installment loan as $1,049.04 toward principal, $108.80 in late charges, and $25.77 in interest. After receiving your [redacted] payment, your next payment was due on December 12, 2016. On December 5, 2016, the Bank received a partial payment for $154.15. This payment did not satisfy your full payment due December 12, 2016. The Bank did receive your payment of $430.00 on January 4, 2017. This payment combined with your December 5, 2016, payment to satisfy your payment due December 12, 2016. As of January 5, 2017, you currently owe $684.49 to bring your installment loan current. This amount includes your January 12, 2017, payment and the $269.90 in fees still owed on the account. Please note a portion ($15.33) of your January 4, 2017 payment has been applied as a partial payment toward your January 12, 2017 payment of $429.92. Therefore the amount owed is not a full monthly payment ($429.92) plus (+) the remaining fees ($269.90) which total $699.82. However, if you do not make a payment by the end of your grace period, January 27, 2017, you would owe $713.61. This amount would be the full January payment and $283.69 in late fees and repossession fees. During the life of an installment loan, we may offer eligible customers a delinquency extension if short term assistance is needed in re**rds to your monthly payment obli**tions. Please note that interest will still be assessed during the months that an extension is applied to your account. Any monthly payments that are related to an extension will be included with your final payoff amount due at the end of the loan term. Any unpaid interest will be due at the end of the loan term within a final payment notice that will automatically be generated and sent to the address we have on file for you. If you would like to discuss payment options, please contact the Borrower’s Assistance Department at ###-###-####, option 4. An agent is available to assist you, Monday through Friday, 8 a.m. to 5 p.m., ET. 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, please contact me toll free at ###-###-####, or directly at 513-358-2985, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Consumer Financial Protection Bureau Revdex.com Enclosures: Previous Response Letters Payment Breakdown

[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

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]

FIFTH THIRD BANK
October 3, 2014
[redacted] [redacted]
[redacted]
RE: Checking Account xxxvoc[redacted]
Dear Mr. [redacted],
We
received the complaint you filed with the Revdex.com regarding the
monthly service charges that were assessed to your checking...

account. We
appreciate the time you have taken to document your thoughts and concerns
regarding this matter.
Your
comments expressing less than quality customer service are very concerning. We
strive to provide accurate and professional service to our customers and I
regret if this is not the level of service you received. Please be assured that
I have contacted the relevant parties and expressed your dissatisfaction
regarding the service you received and passed along your concerns.
On
August 11, 2012, you opened an Essential Checking account and a Goal Setter
Savings account. On August 13, 2012, you funded these accounts with $[redacted]
into your checking account and $[redacted] into your savings account.
Our
Essential Checking account has an $[redacted] monthly service charge that is
automatically waived if you keep a combined balance of $[redacted] or more in
your depository accounts with the same ownership. This charge is waived for
students and members of the military. Additionally, this charge is waived for
Membership Advantage members as long as your checking account has direct
deposits totaling $[redacted] or more during the last thirty-five (35) days from
the date your statement is produced.
During
account opening, your checking account included our student discount and was
included our Membership Advantage Package due to your employment at [redacted]
[redacted]. The student discount is available for one year at which time
you must prove your status as a student in order for the discount to be
renewed. Statements for your checking account were mailed to the address on file each month through
August 2013. These statements indicated that the monthly service charge was
waived due to your status as a student. Your August 2013 statement indicated
that your account was dormant as there was no activity within the past year.
Once an account is dormant, statements are only mailed at the end of the year,
or when activity resumes on the account. The charging of monthly service fees
or crediting of interest is not considered activity. Your next statement, in
December 2013, indicated that your student discount was expiring on December
31, 2013, and to contact your nearest Financial Center if you were still a
student to have the discount renewed.
FIFTH THIRD
BANK
Starting
in January 2014, the $[redacted] monthly service charge started to be assessed to
your checking account as you no longer received the student discount and did
not have a direct deposit in order to have the charged waived as part of Membership
Advantage Package. This monthly service charge has been assessed each month
since January 2014.
On September 26, 2014, you contacted the Bank regarding the monthly services
charges that were assessed. At that time, the balance in your checking account
was $[redacted] and the balance in your savings account was $[redacted]. We waived the
last (2) monthly service charges on your checking account to bring the balance
to $[redacted]. The $[redacted] in your savings was withdrawn and the savings account was
closed.
I understand your concerns regarding the monthly service charges that were
assessed to your account. However, these monthly service charges were assessed
correctly. In the event that you were a student during 2014, please send
documentation, such as a course registration list or transcript, to my
attention at the address listed below:
Fifth Third Bank — Office of the President
ATTN [redacted]
[redacted]
Alternatively, you may fax this documentation to my attention at
[redacted]
If
you were a student during 2014, we are willing to refund the monthly service
charges you were assessed. At this time, your account remains open with a
balance of $[redacted].
We sincerely hope
you reconsider closing your account. If I can be of any further assistance,
please contact me at [redacted], or toll free at [redacted].
[redacted]
Consumer Support Specialist Office of the President

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]

October 9, 2014
[redacted]
[redacted]
Re: Checking
Account[redacted]
Dear Ms. [redacted],
We received a copy of your complaint filed with
the Revdex.com regarding the overdraft fees assessed to your
checking 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, we would like to offer our
sincere apologies for any inconvenience this matter may have caused you. Please
be assured that we have contacted the management staff at the West[redacted]
Financial Center to express your dissatisfaction with the service you received
and passed on your concerns. We strive to provide professional and accurate
information to our customers and we sympathize with the difficulties you
encountered regarding your account.
Some of our deposit accounts have overdraft
coverage, which allows a customer to access funds beyond the balance in their
account. This feature was designed to allow for emergency cash needs which you
had the option to choose whether or not to have overdraft coverage on your
account for ATM (Automated Teller Machine) transactions and one-time debit card
transactions. On January 23, 2013, we confirmed that you accepted overdraft
coverage on your account for ATM and one-time debit card transactions via
telephone. Our records indicate that on October 1, 2014, you went online and
chose to decline the overdraft coverage. I have confirmed that this feature has
been declined on your account for ATM and one-time debit card transactions
effective on October 1, 2014.
To assist you with monitoring your account, our
toll-free Telephone Banking system is available twenty-four (24) hours a day at
[redacted]. Our Customer Service Professionals can be contacted at the same
telephone number and are available Monday through Friday from 7:00 AM to 8:00
PM Eastern Standard Time (EST), and on Saturday from 8:30 AM to 5:00 PM EST.
You can also access your account information at an ATM, on our Internet Banking
website at www.53.com, and on your mobile device through our Mobile Banking service
through 53.mobi. Additionally, a free account alert can be sent to up to four
(4) e-mail addresses and one (1) mobile device when your account balance falls
below an amount that you specify. Please note, text message charges may apply.
Please contact your mobile service provider for details. These alerts can be
setup through our Internet Banking at www.53.com.
If your available balance is not sufficient to
cover items that post to your account, the posted items may be returned unpaid
and subject to overdraft fees. The per item overdraft fee is based on the
number of occurrences in the last twelve (12) months. For the first occurrence,
you will be charged $[redacted]per item. For any additional occurrence, the charge
is $[redacted] per item. Should the account become overdrawn, we also send an
overdraft notice via standard mail to inform you of the occurrence, which
includes a detailed breakdown of the day’s transactions. I have enclosed a copy
of our Rules & Regulations handbook that you received and agreed to when
signing a signature card to open the account. Pages 2, 11, and 12 provide
additional information regarding overdraft and the related fees.
Your account was most recently overdrawn on September 29, 2014,
when the beginning balance in your checking account was $[redacted]. Nine (9) debit
transactions totaling $[redacted] posted to the account that day, creating an
ending available balance of negative ($[redacted]). Since your account balance was
not sufficient to cover six (6) transactions that posted and you had accepted
Overdraft Coverage, your account was charged six (6) overdraft fees of $[redacted]
each on the next business day.
On September 30, 2014, the balance in your
checking was negative ($[redacted]). Five (5) items totaling $[redacted] posted to your
account. Your ending balance was negative ($[redacted]). Four (4) overdraft fees
totaling $[redacted] were assessed to your account and posted the following day.
Additional transactions have posted to your account since then and as of today,
the balance in your account is negative ($[redacted]).
It is important to ensure your account has
enough funds to cover all of the transactions you have authorized. As a valued
customer, we have reversed a total of $[redacted] in overdraft fees within the past
four (4) months. Therefore, we are unwilling to waive any additional fees, as
you have requested.
You may want to consider adding overdraft
protection to your checking account. We offer several types of overdraft
protection. We can connect a second existing account such as a savings account,
or you can apply for a credit card or equity line, which can be connected to
your checking account in order for funds to be automatically transferred in
case of an overdraft situation. [redacted], Financial Center Manager at the
West [redacted] Financial Center, has requested that you speak to him directly
regarding your account. He would be happy to further explain or set-up
overdraft protection for your account. He can also assist you in setting up
alerts that can be sent to you via text or email to inform you of your account
balance. Please contact the West [redacted] Financial Center and speak to [redacted]
[redacted] regarding your account. Please call the Financial Center at your earliest
convenience at [redacted], Monday thru Thursday from 9:00 AM until 6:00 PM
EST (Eastern Standard Time), Friday from 9:00 AM until 7:00 PM EST or Saturday
from 9:00 AM until 2:00 PM EST.
Ms. [redacted], please be assured that it was not our intention to
cause you any frustration or undue hardship. You are a valued customer and we
look forward to serving your financial needs in the future. If I can be of
further assistance to you please contact me at [redacted]
[redacted]
[redacted]
Consumer Resolution Specialist Office of the President
Pc: RevDex.com
Enclosure: Rules
and Regulations handbook

Regarding [redacted] rebuttal: We believe we have addressed her concerns in our prior two responses (attached).  I have also attached the customer’s own dispute document for the Revdex.com review.  The customer has not provided any new information. Unfortunately, this is a civil matter between [redacted] and her attorney. The Bank has no dispute rights in this scenario. Customer received service from the attorney. Pat S.Customer Care Team SpecialistFifth Third Bank | Office of the President[redacted]

[redacted] Date: February 29, 2016 Regarding Your Inquiry Removal Request Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your inquiry removal...

request. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, I apologize for any difficulties or concern this situation may have caused you. However, we stand by our previous correspondence dated December 2, 2015. Our position on this matter has not changed. You previously advised the Bank that the inquiry we processed on May 7, 2014, was unauthorized. However, our research determined that you submitted an application for a vehicle installment loan at the [redacted] dealership in [redacted], [redacted]. The dealership submitted your application to Fifth Third Bank, which we denied. Please note that it is a typical dealership practice to submit an applicant’s application for credit to multiple lending institutions at the same time. For your reference, I have enclosed a copy of our previous correspondence. If the application was submitted in error by the dealership, they will need to provide us with a letter documenting their error. The dealership representative can send the requested letter to the following address: Fifth Third Bank Office of the President Attn: Shawna T. 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, this signed documentation can be faxed to my attention at: ###-###-####. If you would like to contact the credit bureaus directly, the contact information can be found below: Equifax ###-###-#### Experian ###-###-#### TransUnion ###-###-#### Innovis ###-###-#### If the application was submitted to the dealership in your name fraudulently, please contact your local law enforcement. They are able to assist you with completing the necessary documents for any fraud that may have occurred. If you have already filed a police report and have a copy of it, please fax a copy to us and we will have the inquiry removed. As of February 26, 2016, we have not received a letter from the dealership stating the application was submitted in error, nor have we received a copy of a filed police report regarding a fraudulent application. In your correspondence to the Revdex.com, you stated that Fifth Third Bank completed an inquiry into your credit report for a mortgage loan. We completed a thorough review of our systems and determined that we have never processed a mortgage loan application in your name and we have not submitted an inquiry into your credit report for a mortgage loan. We also verified that we have not completed any inquiries into your credit report other than the May 7, 2014, inquiry. If you have a copy of your credit report that shows an additional inquiry by Fifth Third Bank, please send the documentation to the Bank using the information provided above. I would be happy to further research your concerns. 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: Previous Correspondence

[redacted] Date: June 21, 2016 Account: [redacted] Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loans Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com regarding your mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. Your original complaint was filed on May 25, 2016. We received your follow up complaint on June 14, 2016. However, we stand by the response conveyed to you in the previous letter sent on June 13, 2016. I have enclosed a copy of our prior correspondence for your review. Our position on this matter has not changed. As mentioned in our original response, an escrow account was established for the mortgage loan ending in [redacted]. The initial escrow disclosure indicated the first scheduled escrow disbursements as follows: ** A disbursement for [redacted] on July 1, 2016, in the amount of $1,087.46 ** A disbursement for [redacted] on November 1, 2015, in the amount of $1,627.00 On June 16, 2015, the Bank received and posted your mortgage payment of $924.70 to your mortgage loan ending in [redacted]. After processing this payment, the principal balance on your mortgage loan was $130,480.74 and your escrow balance was $2,035.86. On June 25, 2015, the Bank processed a payoff request as part of your internal refinance. I have enclosed a copy of the payoff quote for your records. It should be noted, because this was an internal refinance, the escrow account balance was deducted from your payoff amount. The payoff amount as of June 25, 2015, was $128,996.15, with interest accruing at $15.64 per day. The payoff quote was good until July 5, 2015. The Bank placed a hold on your mortgage loan for the duration of the payoff quote. The reason for this hold is to ensure no payments are made from your escrow account, which could result in an escrow shortage. As mentioned on page two (2) of your payoff quote: Escrow may continue to be disbursed until a payoff is received. Escrow balances may not be deducted from the payoff amount unless so noted on this quote. If the remittance is less than the amount required to payoff the total amount due, we will deduct the deficiency from the escrow account. If there is no escrow account or insufficient funds in the escrow account, the payoff cannot be processed until the deficiency is received. The Bank did not receive your payoff by July 5, 2015. On July 7, 2015, the Bank issued a check from your escrow account to pay your [redacted]. The amount of the check was $1,240.90. The remaining balance in your escrow account was $794.96. On August 5, 2015, the Bank mailed you the enclosed letter titled Important Information about your Mortgage Escrow Account. Please use this letter as verification that your homeowner’s [redacted] was paid from this escrow account.  On July 10, 2015, the Bank received and processed your $129,061.35 payment to pay off your mortgage loan. It should be noted, the escrow payment on July 7, 2015, resulted in a shortage on the payoff amount for your loan ending in [redacted]. The escrow shortage amount was -$1,225.26. On July 16, 2015, the Bank was notified that the [redacted] payment would be returned; therefore, the Bank processed a $1,240.90 credit to your mortgage loan ending in [redacted]. This credit satisfied the payoff shortage, and a check for $15.64 was mailed to you on July 20, 2015. This check resulted in a zero ($0.00) balance in your mortgage loan ending in [redacted]. Enclosed please find a copy of the HUD settlement statement for your internal refinance. Please note page two (2) which indicates a payment of $1,087.46 was collected by the title company. This payment did not satisfy the full premium for your homeowner’s [redacted]. Our research confirmed that your [redacted] provider, [redacted], received three (3) payments for your 2015-2016 policy term. [redacted] confirmed the $1,087.46 payment was applied to your auto [redacted] policy, and on August 12, 2015, they issued a refund check in the amount of $549.41 to you. As mentioned in paragraph three (3) of this letter, the Initial Escrow Statement for your new mortgage loan ending in [redacted], did not account for a payment to your homeowner’s [redacted] in 2015. However, as mentioned above, the payment collected at your loan closing was not enough to satisfy your homeowner’s [redacted] premium. Therefore, a payment from your escrow account was sent on July 10, 2015, to pay your homeowner’s [redacted]. This payment satisfied your homeowner’s [redacted] premium. On August 21, 2015, [redacted] provided a refund for the overpayment of your [redacted] in the amount of $1,240.90. This refund incorrectly posted to the mortgage loan ending in [redacted]. On October 7, 2015, the funds were transferred to offset the credit previously provided to your mortgage loan ending in [redacted]. I hope this correspondence cleared up any outstanding questions you had related to this issue. We truly value your business, and we look forward to continuing our banking relationship with you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Prior Response, Payoff Quote, Escrow Letter, HUD

October 28, 2014 [redacted] 
[redacted] Re: Promotional Mailings Dear Ms. [redacted], We received a copy of the complaint you submitted to the Revdex.com regarding the promotional mailings you have received from Fifth...

Third Bank. 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. As you requested, we removed your name and information from the lists we use to generate promotional mailings. I am sorry you were not removed from our mailing lists when you previously contacted the Bank. Please be aware that some mailing lists are compiled up to three (3) months in advance, so there is the possibility that you could receive some promotional mailings in the near future that were generated prior to the removal of your name and information. I hope this letter meets your satisfaction and resolves your needs. Ms. [redacted], thank you for your patience while waiting on a response. If I could be of further assistance to you, please contact me directly at [redacted] Sincerely, [redacted] Senior Consumer Resolution Specialist Office of the President Pc: Revdex.com?

Date Sent: 9/2/2015 7:06:14 PM[redacted] Date: September 2, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com, regarding the overdraft fees assessed to your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. As stated in our previous correspondence dated August 18, 2015, online bill payments that are scheduled via 53.com and paid electronically, can be cancelled or modified up to two (2) days prior to the scheduled payment date by 4:00 p.m. ET. Online bill payment paid by check can be cancelled or modified up to four (4) days prior to the scheduled payment date by 4:00 p.m. ET. On July 28, 2015, the following bill online payments were scheduled to be posted to your checking account with an effective date of July 30, 2015: [redacted] $414.00 [redacted] $319.08 [redacted] $142.88 [redacted] $102.63 [redacted] – Monthly Service $93.35 [redacted] – Eastern Region $23.53 On July 30, 2015, the beginning balance for your checking account was $0.88. The six (6) online bill payments noted above totaling $1,095.47 posted to your account. Therefore, your ending account balance was negative ($1,094.59). Due to insufficient funds, six (6) overdraft fees totaling $222.00 were assessed to your account and posted the following day. We sympathize with the difficulties you have encountered regarding your checking account. As a result, overdraft fees totaling $150.00 were reversed and credited back to your checking account on August 10, 2015 in the interest of customer service. Therefore, our position on this matter has not changed and we are not willing to reverse any additional overdraft fees at this time. [redacted], please be assured that it was 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 contact me directly at ###-###-#### or toll free at [redacted] Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S. Office of the President Pc: Revdex.com