Fifth Third Bank

[redacted]Date: April 28, 2016 Account: [redacted]Regarding Your Mortgage LoanDear [redacted]:This is in response to your discussion with the Revdex.com and Lee F., Vice President and Bancorp Resolution Manager. For additional concerns, please refer to the previous response letters.Our records indicate that you called the Bank on July 2, 2015, for an explanation of the increase of your monthly payment after reviewing the Annual Escrow Account Disclosure Statement dated April 24, 2015. Per your request during this call, you were also provided instructions for removing the escrow from the mortgage loan; however, as our previous response addressed, we were unable to locate a request for the escrow account to be reanalyzed. For additional clarification on the increase of the monthly payment, page three (3) of the statement explains the projected and actual disbursements from June 1, 2014, to May 31, 2015. The projected disbursements in November 2014, and May 2015, to Oyster Bay Schools were in the amount of $3,420.86 each. However, the actual disbursements to Oyster Bay Schools were higher than projected, and the following disbursements were actually made from the escrow account:• In October 2014, a payment was disbursed to [redacted] in the amount of $4,402.20.• In April 2015, a payment was disbursed to [redacted] in the amount of $4,402.19.Please refer to page two (2) of the Annual Escrow Account Disclosure Statement dated April 25, 2015. This explains the projected payments from the escrow account for June 1, 2015, to May 1, 2016. In addition, the chart outlines the lowest projected balance of the escrow account, which is ($353.80), and the lowest required balance, which is $2,367.58. The escrow shortage, in the amount of $2,721.38, is calculated by taking the lowest required balance, $2,367.58, less the lowest projected balance, ($353.80).The annual review of the escrow account occurred on April 25, 2016. I have enclosed a copy of the Annual Escrow Account Disclosure Statement for your records and review. As this statement explains, there was an escrow shortage in the amount of $540.15, and the payment options are outlined as follows:1. Pay the escrow shortage of $540.15 in twelve (12) payments of $45.01. These shortage payments would be included in your new monthly payment of $3,101.51, which would begin June 1, 2016.2. Pay the escrow shortage of $540.15 in full by May 15, 2016.Your new monthly payment would be $3,056.50.3. Pay part of the escrow shortage of $540.15, and the part that is not paid would be divided evenly and added to your mortgage payment each month for the remainder of the annual review period. Per your telephone conversation with Lee F., Vice President and Bancorp Resolution Manager, you mentioned a concern that the escrow statements dated April 24, 2015, and April 25, 2014, were not received by you. Our records indicate that these statements were sent to the address on file at the time they were generated. Please note, these statements were also sent to you, at the address on file, on January 13, 2016, per the request made on January 12, 2016, while speaking to a supervisor with our Customer Service Department. In addition, these statements were uploaded to the Revdex.com website and enclosed with the response sent to you on February 11, 2016. I apologize if you didn’t receive these statements.We completed an additional review of the escrow account, and your request to have the account reanalyzed in September 2015. Our additional review determined that the account could have been reanalyzed at that time. We regret the difficulties this has caused you. Because of this, we have submitted a correction to all four (4) credit reporting agencies to remove the delinquent reporting for November 2015 and December 2015. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. If you would like to contact the credit reporting agencies directly, their contact information is provided below: • [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####Please be assured that we have fully researched each complaint that you sent to the Bank. While we strive to send a response within fifteen (15) to twenty-five (25) days, we are not always able to do so, based on the amount of research that is required. I apologized for any additional difficulties the delay in receiving the correspondence may have caused you.Thank you for your patience while waiting for a response. 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.April Q.Office of the PresidentPc: Revdex.com, New York State Department of Financial Services Enclosures: Annual Escrow Account Disclosure Statement

Please find below the text of the letter being mailed to the customer. All enclosures were previously attached in our original response. Thank you.[redacted] [redacted] [redacted] Date: February 15, 2017 Account: [redacted] Account: [redacted] Regarding Your Recent Debit Card Dispute Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com concerning your recent debit card dispute. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We received your original complaint filed with the Revdex.com on January 11, 2017. We received your follow up correspondence on January 31, 2017. However, our position on this matter has not changed. Please find enclosed a copy of our prior correspondence dated January 26, 2017. I hope this correspondence answers any remaining questions you have regarding this matter. Hotel (Resort) Fee: On September 13, 2016, a $270.75 charge posted to your checking account, the merchant was [redacted] [redacted]. The merchant provided the following documents which disclose the daily resort fees: [redacted] Coupon which states, Additional fees: $30 daily resort fee plus tax paid at check-in. ** September 1, 2016, you contacted The Inn [redacted] and were informed that the $30.00 resort fee was not included in the [redacted] Price. ** The $270.75 charge consisted of $225.75 in resort fees and $45.00 for the missing mirror. Based on your most recent complaint, we have contacted the Dispute Resolution Department (DRD) who has reopened their investigation pertaining to the missing mirror. The reassertion can take thirty (30) days to process. Upon receiving this response, please contact the DRD and reference case [redacted]. Please provide any documentation you have regarding the missing mirror to the DRD. You can fax the requested information to ###-###-####. Please ensure your case number is on the requested documentation. Any questions regarding your case can be directed to the DRD at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday 8:30 a.m. to 5 p.m., ET. Provisional Credit: For your convenience we have also enclosed the provisional credit letter mailed to you on November 17, 2016. This letter informed you that the Bank had provided you with credit for the full amount. It should be noted, this credit was not permanent, and the investigation was still ongoing. On January 3, 2017, the Dispute Resolution Department closed their investigation and denied your claim that the charge was unauthorized. Please find enclosed the documentation provided to the Disputes Resolution Department from the merchant. The letter informed you that the provisional credit would be removed from your account. Included in the merchant’s documentation is a letter from the merchant dated December 7, 2016. As mentioned in our original response, the Disputes Resolution Department considers this investigation closed. You will need to contact the merchant regarding the missing mirror. New Debit Card Issued: In your follow up complaint you mention the Dispute Resolution Department did not replace the debit card used for the transactions with The Inn [redacted]. It should be noted, because case [redacted] was a non-fraud investigation, the Dispute Resolution Department did not block and replace your card. Had the charges been unauthorized and fraud was found on your account, the Dispute Resolution Department would have blocked your debit card and reissued a replacement card to you. We appreciate your patience while we researched your request. 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 Enclosure: Prior Response Merchant Documents Provisional Credit Letter

[redacted] Date: December 8, 2015 Account: [redacted] Regarding Your Checking Account Dear [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, please accept my sincere apologies for any inconvenience these matters may have caused you. We strive to provide professional and accurate service to our customers and we regret if that has not been your experience. The Bank is continually working to ensure the availability of funds for withdrawal while staying within established Federal guidelines. 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. I have enclosed a copy of our current Rules and Regulations. Refer to pages eighteen (18) and nineteen (19) for additional information regarding funds availability. If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account is overdrawn. We do not assess overdraft fees on pending transactions. Per item overdraft fees will not be assessed if your account is overdrawn by less than $5.00. The amount of the per item overdraft fee is based on the number of times your account has become overdrawn in the last twelve (12) months. For the first overdraft occurrence, you will be charged $25.00 per item. For each additional occurrence, a $37.00 per item fee will be assessed. We process transactions at the end of each business day and do not process transactions on Saturday, Sunday or Federal Holidays because they are not considered business days. Transactions that post to your checking account are processed in the following order: 1. Credits and deposits made prior to the end of day cutoff time (according to our Funds Availability Policy) 2. ATM transactions and debit card transactions in the order they took place 3. All other debits including checks, electronic bill payments, in the order of highest amount to lowest amount 4. Fees and service charges in the order of highest amount to lowest amount Please note that this posting order may change due to circumstances beyond the Bank’s control, such as changes or disruptions in network processing or processing delays by a third party. Pages 11 through 14 of the included Rules and Regulations handbook contain more details about the Bank’s overdraft policies. On November 23, 2015, the beginning balance for your checking account was $149.53. An Automated Clearing House (ACH) deposit for $200.00 posted and was made immediately available in your account. Eighteen (18) items totaling $426.84 posted to your account. Therefore, your ending account balance was negative ($77.31) due to the last ten (10) items that overdrew your account. Due to insufficient funds, ten (10) overdraft fees totaling $370.00 were assessed to your account and posted the following day. On November 24, 2015, the beginning balance for your checking account was negative ($77.31). One transaction posted to your account for $172.50, in addition to your overdraft fees assessed from the previous day. Therefore, your ending account balance was negative ($619.81). However, it should be noted that no overdraft fees were assessed to your account for the $172.50 transaction. On November 25, 2015, the beginning balance for your checking account was negative ($619.81). We received your check deposit for $2,406.86 and $100.00 was made immediately available. As a result, the remaining funds totaling $2,306.86 were not available until the following day. Four (4) items totaling $72.72 posted to your account. Therefore, your ending available account balance was negative ($592.53). Due to insufficient funds, four (4) overdraft fees totaling $148.00 were assessed to your account and posted the following day. Copies of the overdraft notices sent for the days referenced above are enclosed for your review. It is important to ensure that your checking account has sufficient funds to cover the transactions you have authorized. In the interest of customer service, overdraft fees totaling $148.00 have been reversed and credited back to your checking account within the last two (2) months. Therefore, we are not willing to reverse any additional overdraft fees at this time. For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions 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 directly at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. To maintain the security of your account, I am sending this letter to the address we currently have on record for you. I noticed that the return address noted in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your correspondence. I encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updated. The Customer Service Department can be reached at (800) 972-3030. Representatives are available Monday through Friday, 7 a.m. to 8 p.m. and Saturday 8:30 a.m. to 5:00 p.m. Eastern Standard Time (EST). [redacted], please be assured that it was not our intention to cause you any hardship or frustration. You are valued customers and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S. Office of the President Enclosure: Rules and Regulations booklet, Overdraft Solutions flyer, Overdraft Notices Pc: Revdex.com

[redacted] Date: January 26, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your...

Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On November 12, 2015, the Disputes Department opened case [redacted] regarding a cash deposit from November 11, 2015, in the amount of $500.00 at the ATM. The Bank issued a provisional credit in the amount of $500.00 to the account ending in [redacted] while we completed our research. On December 21, 2015, we mailed two (2) letters to the address on file explaining the results of the review. One (1) of the letters explained that $280.00 of the claim had been approved. However, we were unable to locate an ATM variance that matched your dispute and the remaining $220.00 of your claim was denied on December 21, 2015. Upon denial of the claim, the remaining provisional credit in the amount of $220.00 was removed from your account. I have enclosed copies of these letters for your records and review. The Bank was able to further review the matter, and in the interest of customer service, on January 22, 2016, we credited $220.00 into your Essential Checking account ending in [redacted]. I am sorry for any frustration and inconvenience this matter has caused you while attempting to resolve the matter. Thank you for your patience while we researched this matter for you. 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 ###-###-####, 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 Enclosures: Dispute Letters

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.
If I knew there was a balance I would have paid --- if no one contacts me when I was told all accounts were closed why would I pay?
Regards,
[redacted]

[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 find that this resolution is satisfactory to me. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   Fifth Third did not address my complaint, they only explained why the overdrafts occurred which on my side is incorrect. I have attached the letter we received on March 18, 2017 where it states we have until 9:00PM that day to correct the overdraft. The fees I am complaining about were all fixed in the correct amount of time.  For example, on May 4th, I physically went online to my pay my car insurance with Farmers but Fifth Third is showing that I paid it the 3rd so I was given a fee. I didn't pay it the 3rd, I paid it the 4th. As stated in my initial letter, I tried to explain this to the customer service rep and they were rude and very unprofessional.
Regards,
[redacted]

Thank you for your comments. Our records indicate that all issues have been previously addressed and, since no new information has been presented, we have nothing to add to our prior responses.  Sincerely, Elizabeth D.Fifth Third Bank

Customer was advised in our letter submitted yesterday that we would not be further responding.  All issues have been addressed to customer. Thank you.

[redacted] Date: May 26, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your...

mortgage 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. Your regularly scheduled mortgage loan payment of $3,229.34 is due on the first (1st) day of each month. Your regularly scheduled monthly mortgage loan payment of $3,229.34, as is indicated on your monthly mortgage loan statement dated March 10, 2017, was due on April 1, 2017. On May 10, 2017, we received your payment of $3,229.34, which satisfied the payment due on April 1, 2017. Since this payment was received after the fifteen (15) day payment grace period, a late charge of $98.53 was assessed and posted to the loan on May 10, 2017. Additionally, since that payment that was due on April 1, 2017, was received thirty (30) or more days after the payment due date of April 1, 2017, the late payment was reported to the credit reporting agencies. In your complaint, you stated that you previously contacted the Bank and submitted a request to have your mortgage loan payments automatically drafted from your non-Fifth Third Bank checking account. Specifically, during our telephone conversation on May 19, 2017, you stated that your previous request to have your mortgage loan payments automatically deducted from your non-Fifth Third Bank checking account was submitted by telephone when you previously contacted the Bank to schedule a one-time Automatic Clearing House (ACH) payment to be deducted from your non-Fifth Third Bank checking account. As part of my research into this matter, I reviewed your telephone calls with our Customer Service Department. When you previously contacted the Bank’s Customer Service Department, there were no requests from you to have your mortgage loan payments automatically deducted from your non-Fifth Third checking account. An overview of the calls you had with our Customer Service Department is provided in this letter. On February 14, 2017, you contacted the Bank’s Customer Service Department. At that time, you requested a one-time ACH payment of $3,212.49 to be deducted from your non-Fifth Third Bank checking account. The payment was processed and posted to the loan on February 14, 2017. There was no request from you at that time to have your mortgage loan payments automatically deducted from your non-Fifth Third Bank checking account. On February 16, 2017, you contacted the Bank’s Customer Service Department regarding a payment issue with your mortgage loan. At that time, you explained that you made a loan payment on February 14, 2017, and that the following day there was a payment of $3,300.00 that had also posted to your mortgage loan. You explained to the employee assisting you at that time that you would contact the paying Bank to resolve the payment issue. On February 22, 2017, the payment of $3,300.00 was reversed and returned to the paying bank. There was no request from you at that time to have your mortgage loan payments automatically deducted from your non-Fifth Third Bank checking account. On February 20, 2017, you contacted the Bank’s Customer Service Department and requested online access to your mortgage loan on our website at 53.com. The employee you spoke with assisted you with establishing online access to your account. There was no request from you at that time to have your mortgage loan payments automatically deducted from your non-Fifth Third Bank checking account. On March 10, 2017, you contacted the Bank’s Customer Service Department for more information regarding the payment issue you recently experienced. The employee assisting you appropriately addressed your concerns regarding the payment issue. The employee also assisted you, per your request, in scheduling a one-time ACH payment of $3,300.00. On March 10, 2017, your payment of $3,300.00 was processed and posted to your mortgage loan per your request. There was no request from you at that time to have your mortgage loan payments automatically deducted from your non-Fifth Third Bank checking account. We have completed our review of the payment history reporting on your credit report for your mortgage loan. Since our review determined that the information provided to the credit reporting agencies is accurate, as is explained in this letter, we are unable to accommodate your request to correct the negative reporting of the account to the credit reporting agencies. The Bank is required by law to report accurate information to the credit reporting agencies. Furthermore, the Bank can only submit a request to the credit reporting agencies to correct negative reporting of an account if the negative reporting of the account resulted from an error made by the Bank. Since the negative reporting of the account was not due to an error made by the Bank, we are unable to remove the late payment that was reported to the credit reporting agencies for the April 2017 payment being received thirty (30) or more days late. We regret any frustration this may cause you If you would like to contact the credit reporting agencies directly, their contact information can be found below: ** Equifax ###-###-#### ** Experian ###-###-#### ** TransUnion ###-###-#### ** Innovis ###-###-#### In the interest of customer service, and because we empathize with the issues you have experienced, on May 24, 2017, I reversed the late payment fee of $98.53 that was assessed and posted to your mortgage loan on May 10, 2017. As was explained to you during our telephone conversation on May 24, 2017, to enroll in the Bank’s automatic bill payment service called Fifth Third Auto BillPayer, you can call Fifth Third Auto BillPayer at ###-###-####, Monday through Friday, 8 a.m. to 5 p.m., ET. Auto BillPayer will automatically transfer monthly payments from a non-Fifth Third checking account to your mortgage at no cost to you. During our telephone conversation you requested that I follow up with Auto BillPayer to ensure that is a properly set up after you call Auto BillPayer. Please be assured that I will ensure Auto BillPayer is properly set up after you have called and established your mortgage loan be paid using our Auto BillPayer service. Once I have confirmed that Auto BillPayer has been established, I will provide you with a follow up telephone call verifying that Auto BillPayer has been properly set up per your request. Please note that you will receive a letter from Fifth Third Auto BillPayer confirming that Auto BillPayer has been established. Please also note that you should continue making your loan payments until your mortgage loan statement indicates that the loan will be paid by Auto BillPayer. On August 16, 2016, your telephone number of ###-###-#### was updated in our systems per your request. This is the current telephone number that we have on file for you. During our telephone conversation on May 19, 2017, I confirmed with you that the telephone number we have on file for you is correct. If you ever need to change your contact information, please call our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday 8:30 a.m. to 5 p.m., ET. When your mortgage loan payment is past due, you may receive calls from our Collections Department. I have confirmed that, when your loan payment was past due, you did not receive any calls from our Collections Department. Although you may receive calls from our Collections Department when your loan payment is late, our Collections Department is not required to call you. I have confirmed, however, that the Bank did send written notice to you when the loan was past due for payment. The notification letter was sent on April 14, 2017. A copy of the notification letter is enclosed for your review and convenience. Your mortgage loan payments are current as of May 24, 2017. Your next mortgage loan payment of $3,327.87, as is indicated on your mortgage loan statement dated May 10, 2017, is due on June 1, 2017. For verification of the payment history on your mortgage loan, please find the enclosed copy of your mortgage loan payment history. I have also enclosed copies of your monthly mortgage loan statements for the period from February 14, 2017, to May 10, 2017. 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 Enclosures (6): Letter Dated April 14, 2017 Statements Loan Payment History

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID[redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

FIFTH THIRD BANK
October 2, 2014
[redacted]
Re: Automobile Title
Dear [redacted],
We received the complaint you filed with the Revdex.com regarding the
payoff and title for your automobile. We...

appreciate the time you have taken to
express your thoughts regarding this matter.
We strive to provide our customers with accurate and professional service in a
timely manner. Please be assured that it is not our intention to delay the lien
release or title once an installment loan is paid in full.
We were not able to locate the installment loan you are referring to with the
information provided. Please understand that the Revdex.com does
not send the Bank full account numbers for security reasons; however, we
attempted to locate your installment loan by other methods but were not able to
do so. You may contact me at the number listed below to provide me with more
information so that we are able to further research your concerns.
We apologize for any difficulties you encountered. If I can be of further assistance to you,
please contact me at [redacted], or toll free at [redacted].
[redacted]
Consumer Resolution Specialist 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. 
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.  There are two things that are not right:1.) I have e-mail documentation from 53rd Bank stating that they will in fact send me a pink slip, not just a lien release which does not let me sell my car in the future if I want to 2.) I paid off my car loan IN FULL in April. -Why has it taken at least 3 months and still nothing.  This has been very inconvenient for me and 53rd does nothing about it.
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.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   I haven't received anything in the mail as yet but our mail is being forwarded to our PO Box at the present time as we are out of town for a family emergency. 
Regards,
[redacted]

I would accept a penalty of 6 mos interest or about $60, thank you

[redacted] Date: September 21, 2015 Account: [redacted] Regarding Your Debit Card Dear [redacted]: Thank you for your follow-up correspondence to the Revdex.com concerning your Debit Card. We appreciate the time you have taken to express your concerns regarding your card. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As mentioned within our prior letter to you, if you are able to supply us with a copy of the bill in question, we will work with you to find a suitable resolution to the disconnect fee that you received. As of September 17, 2015, we have not received a copy of your bill. Please mail it to the address below. Fifth Third Bank Office of the President Attn: Beth H. 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, the documentation can be faxed to my attention at: ###-###-####. Again, I apologize that you were unable to have access to your funds during the time period that your debit card was blocked and when you received a new card. If the issue arises in the future, most utility companies are able to process debits on checking accounts. Customers would need to supply the company with their checking account number and routing number for the payment to be made on their utility bill to avoid any disconnection of services. 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 call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Beth H. Office of the President

[redacted] [redacted] [redacted] Date: September 22, 2016 Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Business Checking Accounts Dear [redacted]: We received a copy of the follow up complaint filed with the Revdex.com (Revdex.com), concerning your Fifth Third business checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We received your original complaint filed with the Revdex.com on May 14, 2015. We received your most recent complaint on September 16, 2016. For your records and convenience I have enclosed our prior responses dated May 27, 2015, June 9, 2015, June 25, 2015, July 2, 2015, October 2, 2015, December 29, 2015, January 15, 2016, and April 13, 2016. Please note unless you are able to provide new information regarding this matter, we will not be respond to future complaints regarding your disputed transactions. Upon receiving your most recent complaint, we contacted the Dispute Resolution Department who confirmed your dispute cases ([redacted] and [redacted]) have been closed. Please find enclosed the two (2) denial letters mailed to you on March 24, 2016 and July 25, 2016. Both notices state you will need to contact the merchant [redacted] Inc. in order to resolve your disputes. Unfortunately, the activity in your business checking accounts exceeded the Bank’s Risk tolerance and your accounts ending in [redacted] and [redacted] were closed on March 2, 2016. Your third (3rd) business checking account ending in [redacted] was closed on March 4, 2016. We appreciate your patience while we researched this matter. 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: Prior Responses, Dispute Denial Letters