Fifth Third Bank

[redacted] Date: January 9, 2017 Account: [redacted] Regarding Your Auto Insurance Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your auto insurance. Your...

feedback is very important to us as it allows us to better understand how we can improve our service to you. To maintain the security of your personal and account information, I am sending this letter to the address we currently have on record for you. I noticed that the address you use in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your complaint. I encourage you to call customer service to make sure your contact information is properly updated. Customer service can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. After receiving your complaint, we confirmed with our Insurance Service Center that they received adequate proof of insurance as required under the terms of your contract for the vehicle securing your auto loan ending in 1636. No additional documentation is needed from you at this time. If you have any additional questions or concerns, please contact our Insurance Service Center at ###-###-####, Monday through Friday, 8 a.m. to 8 p.m., and Saturday, 8 a.m. to 5 p.m., ET. Please be sure to reference number [redacted] when speaking with an agent. You may also visit their website at insuranceservicecenter.com. Please also note that Fifth Third Bank does not repossess vehicles for inadequate proof of insurance. However, if you fail to provide adequate proof of insurance, we may force place insurance on the vehicle, and the premium would be added to your auto loan. I am sorry for any misunderstanding. Thank you for your patience while we conducted our 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 ###-###-####, 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: April 15, 2016 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com (Revdex.com), regarding your...

installment loan. We appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that our senior and executive management teams review customer feedback as part of our ongoing commitment to improving our customers’ satisfaction. On March 15, 2016, the Bank received and processed your installment loan payment for $30,000.00. This payment satisfied the amount owed on your installment loan. The Bank sent you a paid in full letter, which I have enclosed for your records and convenience. Because [redacted] is an electronic title state, the State automatically releases our lien when an account is paid in full. Additionally, [redacted] prints and sends a title lien free directly to you. Because the Bank’s lien has been released from the vehicle, we are not able to file for a duplicate title on your behalf. You will need to contact the state title office for a duplicate title. 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 President PC: Revdex.com Enclosure: Paid In Full Letter

[redacted] [redacted] [redacted] Date: January 25, 2016 Account: [redacted] Regarding Your Fifth Third Bank Relationship Savings Account Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau, concerning an online payment from your savings account. 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. On April 18, 2006, you opened a Minor-Owned savings account with you listed as the custodian, and your son [redacted], listed as the minor-owner. On June 26, 2012, this account was converted to a Fifth Third Bank Relationship Savings account, with the same ownership. In researching your concerns, we determined you accessed your Fifth Third internet banking on January 9, 2015. At that time, you initiated a $150.00 payment to your ** [redacted] account ending in [redacted]. For your records, we have enclosed a copy of the payment details. The one time immediate payment was scheduled for January 12, 2015. When making a payment online, the “paid from” drop down box allows customers the ability to choose which Fifth Third account they would like to make the online payment from. As the custodian on the account ending in [redacted], you are authorized to select this account as the paying 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 President PC: Revdex.com Enclosure: Payment Details

Below is our response to the customer. In addition to the response attached above and the credit card agreement attached above, eight (8) statements from credit card statement ending August 12, 2015 through credit card statement ending March 12, 2016 being sent to the customer in the...

mail. [redacted]       Date: March 25, 2016       Account:      [redacted]Regarding Your Fifth Third Platinum [redacted]Dear [redacted]:We received a copy of the complaint you filed with the Revdex.com regarding your credit card account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that our senior and executive management teams review customer concerns as part of our ongoing commitment to improving our customers’ satisfaction.On January 6, 2005, the Bank received and approved your application for a Fifth Third Platinum [redacted]. Upon approval of your credit card account, your card and credit card agreement were mailed to you. For your review and convenience, a copy of the most recent version of the credit card agreement currently in effect for your account is enclosed.On August 12, 2015, the Bank sent your credit card statement indicating a minimum payment of $375.00 due by September 9, 2015. I have enclosed a copy of this statement for your records. The Bank did not receive a payment by September 9, 2015. Therefore, on September 10, 2015, a late charge of $25.00 posted to your credit card statement. The next credit card statement was generated on September 11, 2015, indicating a minimum payment of $1,035.16 due by October 9, 2015. Included in this payment is a past due amount of $375.00. I have enclosed a copy of this statement for your records. On October 9, 2015, the Bank received and posted your credit card payment for $400.00. However, this payment was not enough to satisfy your minimum payment due; therefore, on October 12, 2015, a late charge of $35.00 posted to your credit card statement. The next statement was generated that same day, indicating a minimum payment of $981.90 due by November 9, 2015. Included in this payment is a past due amount of $376.00.  I have enclosed a copy of this statement for your records.On November 9, 2015, the Bank received and posted your credit card payment for $400.00. However, this payment was not enough to satisfy your minimum payment due; therefore, on November 10, 2015, a $35.00 late charge posted to your credit card statement. On November 12, 2015, your next credit card statement was mailed to you, indicating a minimum payment of $1,130.19 due by December 9, 2015. The Bank did not receive a payment by December 9, 2015.  Because you had missed two or more consecutive minimum payments, on December 22, 2015 the Bank revoked the ability to make debit transactions. Please note because your account has been revoked, you are not able to make payments online. We did verify that you contacted our Hardship Department on December 19, 2015 to set up a repayment plan. You were advised to make payments of $163.00 per month for twelve months. Our agent was able to schedule four monthly payments for you at that time through starting on January 8, 2016 and ending April 8, 2016. However, you will need to contact the Collection Department to set up future payments. The Collection Department phone number is ###-###-####. A customer service representative is available Monday through Friday, 8 a.m. to 9 p.m.; Saturday and Sunday, 8 a.m. to 5 p.m., ET.Enclosed are your statements for December 2015, January February and March 2016. Please note on the enclosed statements, the mailing address for your credit card account is the same address on your Revdex.com complaint. We sincerely apologize if you have not received your credit card statements.We have completed our review of the payment history reporting on your credit report for your Fifth Third Platinum [redacted]. Our review determined that the information provide to the credit reporting agencies is accurate. If you would like to contact the credit reporting agencies directly, their contact information can be found below:• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####We strive to provide professional and accurate service to our customers, and apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ETSincerely,  Patrick S.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.  
The letter from the bank states that no adverse reaction would be taken against my credit report but it has already been adversely affected. All three credit bureaus are reporting 5 months late. I will be writing a letter to 5/3 bank and cc their general counsel that this needs to be remedied by 1 April or we will have to take legal action. We are unable to secure other credit because of this issue. We will also be asking for a paper statement every month which we do not receive.
Regards,
[redacted]

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]

Revdex.com:
My attorney and I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
The owner of my local [redacted] Insurance branch personally wrote the bank a letter yesterday July 21,2016 and faxed it immediately which directly showed I did indeed have full comprehensive and collision insurance from March-May2016. I sent a full payment to Fifth Third Bank yesterday despite the fact that my insurance agent sent this letter. My grandmother (co-owner) was told they could still repossess my car despite the fact I had paid cash through same day delivery [redacted], because, it takes them up to 3 days to do their job and clear it from the system and if the car was picked up in that time I would have to pay an addition $400-$700 in tow fees to get my car back even though it was their end not working fast enough. They will be given one last opportunity to correct the mistake and apply the money recieved from me($1,500) which included 4 payments at the bank's inflated rate for insurance through [redacted] yesterday to my future loan payments and all payments returned to the original contract price at the purchase date.
Regards,
[redacted]

November 21, 2013[redacted]Re: Automatic Teller Deposit Dear Mr. [redacted], We received a copy of your complaint filed with the Revdex.com, concerning your ATM (Automated Teller Machine) deposit. We appreciate the time you have taken to express...

your concerns regarding this matter. Your comments expressing less than quality service are very concerning and have been addressed and forwarded to the appropriate personnel. When a customer contacts the Bank we expect each situation will be handled in a professional manner. I do apologize that this was not what happened when you initially contacted the [redacted] Financial Center and we expect that this will not be the case in the future.Our records show that you attempted to deposit a check made payable to [redacted] through an image ATM on October 30, 2014 into your personal checking account. The image ATM recognized this item as a third party check, because the name on the check was not an exact match to the names listed on your personal checking account. When a third party check exceeding $[redacted]is deposited into an image ATM, they are deemed non-negotiable. A legal copy of the third party check, known as an image replacement document (IRD), was mailed to you at the address on file for the account. The original third party check deposited into the image ATM was sent directly to our Central Deposit Review Department to be destroyed. I apologize that this was not properly communicated to you by the staff at the [redacted] Financial Center. Our records show that you deposited the IRD into your business checking account on November 6, 2014. I understand your frustration when this situation occurred, and I am sorry for any inconvenience this matter may have caused you.We thank you for this opportunity to respond to your concerns. 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 either of you, please call me directly at [redacted]Sincerely, [redacted]Consumer Resolution Specialist Office of the President Pc: Revdex.com

Can you find out if there are any other names on the customer’s account?  I’m unable to locate the customer by name in our system.

[redacted] Date: October 23, 2015 Account: [redacted] Regarding Equity FlexLine Account for [redacted] Dear [redacted]: We received a copy of your follow up complaint submitted to the Revdex.com, regarding your Power Of Attorney (POA) for [redacted] Equity FlexLine account. We appreciate the time you have taken to document additional your thoughts and concerns regarding this matter. Although you state that your mother does not remember revoking your POA, we were provided with a letter bearing [redacted] signature that revoked your POA effective March 17, 2015. Therefore, we are not able to share any details with you concerning your mother’s Equity FlexLine or recent address changes made on her behalf. If you are able to provide us with updated documentation showing you as POA, we would be more than happy to assist you at that time. In addition, at Fifth Third Bank we are committed to doing what is right for our customers and this commitment includes our fair and responsible lending practices. On September 28, 2015, Fifth Third Bank entered into an agreement with the government to settle two consumer protection matters. These matters impacted a limited number of customers, many of whom have already been reimbursed. Please be assured that Fifth Third Bank has put safeguards in place to avoid future issues. However, we are unable to provide you with any details regarding the settlement at this time. [redacted], we apologize for any inconvenience this situation may have caused 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, Danielle S. Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
While you have apologized for the difficulties I've faced due to the bank's oversight in sending me an unnecessary letter requiring insurance on a totaled vehicle and you've told finally accepted a check from my insurance and told me what my remaining balance is, this does not resolve several issues that still remain.I require a letter with my balance in writing to my postal address. I also require that you clear up my credit as you still have a balance of $10,000 on my credit report. Because of this, I was unable to get an unsecured loan to pay off the debt. You effectively dropped my credit score by 100 points.  I demand you send the appropriate balance to all credit reporting agencies, send a letter to my mailing address with the remaining balance and because I am unable to get an unsecured loan due to my ruined credit because of your actions, I have no choice but to pay less than the regular monthly balance. I expect no late fees, no excessive interest charges for not paying the full $286 a month. You can't possibly expect me to pay that when I have a new car loan, tripled insurance rates and no possible way of getting an unsecured loan to pay off the balance in full.
Regards,
[redacted]

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: April 10, 2017 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your installment...

loan account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Fifth Third Bank has an automatic payment service called Auto BillPayer that customers can utilize to have their monthly payments drafted automatically. I verified that you have never been enrolled in the automatic payment service. However, I confirmed that you schedule payments to your installment loan online via our website at 53.com. When scheduling your payments online, you can select how much of the payment should be applied as a regular payment, and how much of the payment should be applied as a curtailment. A curtailment is a payment applied to the principal balance of the loan. A curtailment does not pay the account ahead or partially pay the next payment due. On October 2, 2016, you logged into the website and scheduled two (2) payments to the installment loan. You scheduled a $150.33 regular payment to process on October 3, 2016. You also scheduled a $150.00 curtailment payment to process on October 17, 2016. Because you scheduled the $150.00 to be a curtailment, the $150.00 did not count toward the payment due in October 2016. The funds reduced the principal balance of the loan. Only the $150.33 you scheduled as a regular payment was utilized toward the $300.33 payment that was due on October 21, 2016. As a result, the loan became past due. You contacted the Bank on October 31, 2016, to advise that both payments were to cover the regular payment due. On November 3, 2016, we reapplied the $150.00 curtailment as a regular payment and the account became current that day. No late payment fee was applied to the account and no late payment was reported for the account. There have been no other requests to reapply payments on your loan. I confirmed on April 6, 2017, that all payments for your loan are listed as current with the credit reporting agencies. We are not reporting any derogatory information. While reviewing your concerns, I noticed that you made a $300.00 curtailment payment on January 17, 2017, and a $300.03 curtailment payment on March 16, 2017, online via our website. If you would like these payments reapplied to pay the loan ahead, please contact me directly using my phone number listed below. I would be happy to assist you. As of April 6, 2017, your loan is current and the next $300.33 payment is due on April 21, 2017. Please note that when making payments online via our website, if you enter an amount into the “Additional Principal Amount” field on the payment screen, those funds will not be applied toward the monthly payment due. Funds entered into the “Additional Principal Amount” field will be applied as a principal reduction payment only and will not pay or partially pay the next payment due on the account. If you are interested in signing up for Auto BillPayer, please contact Auto BillPayer at ###-###-####. Auto BillPayer is available to assist you Monday through Friday from 8 a.m. to 5 p.m., ET. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Payment History

[redacted] 2551 Lyrmfield Rd. Memphis, TN 38119RE: Installment Loan [redacted]Dear [redacted]:Thank you for the letter you sent to the Revdex.com regarding your vehicle installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding...

this matter.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers' satisfaction.Please note that the Bank does not have any record of a letter you sent on December 5, 2014, regarding payment arrangements for your vehicle installment loan ending in [redacted]. If you have a copy of the letter please send it to the following address:Fifth Third BankOffice of the President Attn: [redacted] Drive Mail Drop: [redacted]Alternatively, the requested letter can be faxed to my attention at: ###-###-####.Our records do not show a Fifth Third Bank employee with either the first or last name of [redacted]. Our records also do not show an employee with an employee II) of [redacted]If you are having difficulty making your loan payments, the Bank has ways to help you. Please see the enclosed Auto Assistance paperwork. Please note also that you may call ###-###-#### if you have questions about this paperwork or would like to explore other payment options that may be available to you.Please be aware the information provided to the credit reporting agencies by Fifth Third is accurate. We regret any frustration this may cause you; however, the Bank is required to report accurate information to the credit reporting agencies and we are unable to correct any prior negative credit reporting.As indicated in the enclosed installment loan note that you signed when your loan was originated on January 9, 2009, your full loan payment is due on the twenty third (23'1) of each month. If a payment is received after the due date, it is considered late and subject to a late payment fee. There will be no negative reporting; however, if the full payment is received within thirty days of the payment due date.Please also note that a verbal cease and desist order was submitted at your request on September 10, 2014. When a cease and desist order is placed, the Bank cannot contact you for any reason. We regret if this has not been properly explained to you when you made the cease and desist request. If you wish to have the cease and desist order removed, please contact the Bank at ###-###-####.As of February 24, 2015, your installment is not past due and all efforts to repossess the [redacted] have been canceled.[redacted], thank you for your patience while waiting for a response. It is a well-known fact that no business can survive without its customers, and I 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 [redacted], or toll free at ###-###-####.Sincerely,[redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosures (2): Auto Assistance Paperwork and Installment Loan Note

[redacted] Re: IRA [redacted] Dear [redacted]: We received an additional complaint from you filed with the Revdex.com regarding your IRA account. We appreciate the time...

you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the response conveyed to you in our previous letter dated February 24, 2015. I have enclosed a copy of our previous correspondence for your reference. Our position on this matter has not changed. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####. Sincerely,   [redacted] Executive Support Specialist Office of the President Enclosure: Previous Correspondence Pc: Revdex.com

[redacted] Date: February 25, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding the collections calls...

you received related to your installment loan. We appreciate the opportunity to review this matter. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. Please be assured that we take your comments very seriously. We sincerely value your feedback as it assists us in delivering first class customer service which is a priority to us. It is feedback like yours that helps in identifying problems to 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. Thank you for the time you have taken to share your thoughts and concerns. On August 9, 2012, you were approved for and agreed to a vehicle loan of $9,372.42 with a fixed rate of five point six four percent (5.64%) for a term of forty-eight (48) months with a maturity date of August 8, 2016. Your installment loan was considered past due for payment if we did not receive your total monthly payment by the eighth (8th) of each month. The final calendar day of your ten (10) day grace period was not considered the due date for your payment obligation. The grace period indicated when a late charge would actually be assessed to your loan for a past due payment. If a payment does not post by the due date shown on the contract, it is considered delinquent and is subject to collection activity. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8:00 AM until 9:00 PM, including holidays. The Bank may make several calls each day in an effort to obtain a payment or to arrange suitable payment arrangements. On behalf of the Bank, I would like to apologize for the inconvenience these phone calls may have caused. It was certainly not our intention to cause you any frustration. On February 16, 2016, we received a check in the amount of $1,483.21 made payable to Fifth Third Bank. This check was applied to your vehicle loan and served as a full payoff of the loan for the [redacted]5 [redacted] that was held for collateral. This payoff payment was applied to your loan on February 16, 2015. You will be receiving a notification letter from the Bank confirming that your loan was paid off and closed with a zero balance owed. Thank you for your patience while waiting for a response, and we sympathize with the difficulties you have encountered regarding your loan. You were a valued customer and we look forward to servicing 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., EST. Sincerely, Lisa S. Office of the President Pc: Revdex.com

[redacted] Date: April 18, 2017 Account: [redacted] Regarding Your [redacted] Credit Card Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your attempts to access your [redacted] Credit Card at an Automated Teller Machine (ATM). 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 difficulties you experienced while attempting to use your [redacted] Credit Card ending in [redacted] at an ATM. Please be assured that 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 conducting a thorough review, we determined that your Personal Identification Number (PIN) was not successfully reset when you first contacted the Bank because the previous bad PIN attempts were not properly cleared from your account before you reset your password. We deeply regret that we were unable to resolve your concerns when you first contacted the Bank. Our research also determined that your PIN was successfully reset when you visited the [redacted] Banking Center on April 7, 2017, and you were successfully able to access your [redacted] Credit Card at an ATM later that same day. It was certainly not our intention to cause you any hardship. However, we are unable to provide you with any compensation. 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 have determined that this does not resolve my complaint.  
If you now look at their letter, they are definitely giving us false information. The account in question was not opened on 11/07/2016, I have been disputing this account since 11/07/2016. Please see attached documents for proof. After my personal investigation, this account was opened around 11/01/2006 and charged off around 01/01/2012. This is what I am seeing on my credit report.
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: December 14, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning the hold placed on your...

deposit. We appreciate the time you have taken to express your concerns regarding this matter. We are very sorry if our attempts to explain the funds availability policy did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. We understand your frustration when this situation occurred and we are sorry for any inconvenience this matter may have caused you. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you, as the consumer, and the Bank from loss or possible fraud. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately. The remaining funds will be made available on the next business day. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday or a Federal Holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal Holidays. Deposits received after certain cut-off times may be credited as of the next business day. In some instances, we reserve the right to place a hold of a longer period of time on a deposit. The full amount of the deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the seventh business day after the day of your deposit. I have enclosed a copy of our Rules and Regulations; page nineteen provides additional information regarding extended holds on deposits. On December 2, 2015, your account balance was $11.39. On that same day, you deposited a non Fifth Third check for $18,700.00 and $400.00 in cash at a local Financial Center. Since the deposit exceeded $5,000.00, $13,700.00 of this deposit was placed on hold and a notification letter indicating this reason for the hold was sent to the address we have on file for you on December 4, 2015. This notice also states that the remaining funds from your deposit will be available on December 14, 2015. We sincerely hope this information will help you understand the Bank’s position going forward and resolve your needs. If I could be of further assistance to you, please call me at [redacted], or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President Enclosures: Rules and Regulations

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]
The response they gave me is not what I am asking for, first if all the letter I wrote was in regards to my wife's ira,their response was on mine. They obviously did not read my letter. It is true my wife signed the ira form, and the bank only disclosed the interest rate verbally and not the penalty , if turned in early. (the reason I am cashing it in early is because the irs told me) ( I forwarded this letter to the bank). the bank initially was going to charge 30 mos interest, their letter, lowered it to 15 mos interest. I am asking for a 6 mos interest penalty, which is pretty standard in the state of [redacted].  thank you