Fifth Third Bank

[redacted] Date: April 20, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding the information...

reporting on your credit report for your installment loan. We appreciate the time you have taken to express your concerns regarding this matter. It was certainly not our intention to cause you any undue frustration and we sympathize with the difficulties you encountered when inquiring about your installment loan. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience you may have caused. Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. Our Consumer Contact Center strives to provide professional and accurate service during every telephone call they receive throughout the day. I am sorry if your telephone call experience did not meet the same high standard. We have completed our review of the payment history reporting on your credit report for the above referenced installment loan. Our review determined that the information provided to the credit reporting agencies is accurate. On July 30, 2012, your installment loan was charged off for $363.20. Our records indicate that we received a full recovery payment for this charged off amount on February 26, 2013. I have enclosed a copy of the payment history for your review. We regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to remove prior negative reporting. 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 I apologize for any inconvenience this matter 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, Lisa S. Office of the President Pc: Revdex.com Enclosure: 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.   
Regards,
[redacted]

[redacted] Date: March 23, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding transactions...

that posted to your checking account. We appreciate the time you have taken to share 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. On June 19, 2015, we received your dispute for two (2) unauthorized debits in the amounts of $300.00 each that posted to your checking account on April 9, 2015, and on April 23, 2015. We opened case # [redacted] and began our investigation. On July 14, 2015, we posted a provisional credit of $300.00 to your checking account while we investigated your dispute. Your account was also credited $629.00 on June 23, 2015, for the related overdraft fees that were charged to your account. During our investigation, we contacted [redacted]) in order to advise [redacted] of the dispute filed. [redacted] provided our Disputes Department with a copy of a contract in your name. According to the contract provided, on January 12, 2015, you financed $1,000.00 and agreed to make payments of $300.00 to [redacted]. We have confirmed that your checking account ending in [redacted] received a credit of $1,000.00 on January 12, 2015. I have enclosed the checking account statement showing the deposit for your review. Due to the information provided by [redacted], we denied your dispute and reversed the provisional credit of $300.00 from your checking account on July 17, 2015. Please find enclosed a copy of the contract in your name provided by [redacted]. According to the documentation provided, it appears that you initiated this loan with [redacted]. If you still claim that this contract was not authorized by you, you may submit in writing that you did not consent to the provided contract and further explain the credit to your checking account on January 12, 2015, for the proceeds of the loan in question. Please write a letter to further explain your dispute of the transactions with [redacted]. You may mail your letter and any supporting documentation to my attention at: Fifth Third Bank Office of the President Attn: Lisa S. 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 Alternatively, you can fax this documentation to my attention: ###-###-####. Once your letter is received, our Disputes Department can re-open your case and will contact [redacted] to further investigate your claims. Written confirmation will be sent to you from our Disputes Department once their investigation is completed. If you believe that the application with [redacted] was submitted in your name fraudulently, you may want to contact your local law enforcement. They will be able to assist you with completing the necessary documents for any fraud that may have occurred. We appreciate your patience while waiting for a response. If I may be of any further assistance, please contact me 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 Enclosure: Copy of contract, checking account statement

September 26,
2014
[redacted]
[redacted]
Re: Customer
Service
Dear Mr. [redacted],
We received a copy of the complaint you
submitted to the Revdex.com regarding your recent call to our
Dispute Resolution Department. Your feedback is very important to...

us as it
allows us to better understand how we can improve our service to you.
On behalf of the Bank, please accept my sincere
apologies for the level of service you received when you contacted our Dispute
Resolution Department regarding a disputed debit card transaction. Please be
assured that Fifth Third Bank takes these matters seriously, and we strive to
provide an exceptional experience to our customers. After receiving your
complaint, I forwarded your concerns to the relevant parties who thoroughly
reviewed this matter. I also want you to know that customer feedback is reviewed
by our senior and executive management teams as part of our ongoing commitment
to improving our customers’ satisfaction. However, I cannot inform you of any
specific internal actions that may have been taken.
The disputed charge of
$[redacted] from [redacted] posted
to your checking account ending in 6843 on
September 19, 2014. As your were informed during your call to our Dispute
Resolution Department, per [redacted] guidelines,
we have to allow [redacted] days for the merchant to process the refund
before we can begin the dispute process. If the merchant has not credited your
account within this timeframe, please call our Dispute Resolution Department at
[redacted] to initiate a dispute for the transaction. They are available
Monday through Friday from 7:00 AM EST (Eastern Standard Time) until 8:00 PM
EST, on Saturday from 8:30 AM EST until 5:00 PM EST, and on Sunday from 11:00
AM EST until 4:00 PM EST.
Mr. [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 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 [redacted], or toll free at [redacted]
Sincerely,
[redacted]
Consumer Resolution Specialist Office of the President
Pc: RevDex.com

March 6, 2015 [redacted] Re: Internet Banking Issues Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your internet banking issues. We truly appreciate...

the time you have taken to share your thoughts and concerns with us. 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On four separate occasions, you unsuccessfully attempted to log on to www.53.com. On each of these occasions, you were using your social security number as your user id. Your social security number is currently connected to a Fifth Third Bank Debit Card ending in [redacted]. Please note the four instances occurred on these dates: ? December 22, 2014 ? January 21, 2015 ? February 6, 2015 ? March 1, 2015 A customer’s user id, used to access accounts online at www.53.com is connected to a Fifth Third Bank ATM, debit, or credit card. A customer has three (3) options for a customer ID online. You may use your Social Security Number (SSN), Card Number, or Unique User ID. When attempting to log on to the Fifth Third website, you are asked for a user id and password. For security reasons, if there are four (4) invalid password attempts, the Bank places a temporary block on the card connected to your user id. If a customer is unable to remember the password associated with their user id, they can have the password reset. When entering an invalid password, the system gives the customer the option to reset their password or to try their password again. If a customer decides to reset their password, the online system will ask the customer what method they would like to be reached for verification. For example, if the customer has a phone number set up for verification, the customer will receive a phone call within five (5) to thirty (30) seconds. The customer will receive instructions on the website on how to verify their identity. Upon inputting the four (4) digit authorization code, the customer is instructed to hit continue on the website to set up a new password. As soon as the new password is set, the customer will receive access to their Fifth Third online banking profile. The customer is also able to reset their password by visiting the nearest Fifth Third banking center, or contacting the customer service department. The customer service department is available Monday through Friday, 7 a.m. to 8 p.m.; Saturday 8:30 a.m. to 5:00 p.m., ET. Fifth Third Bank, Member [redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Please accept my sincere apology for any frustration this may have caused you. I can assure you that your funds were not frozen. Despite not being able to access your account online, your available balance was not affected. Our research also determined that the block has been removed from your online access. We have confirmed that you were able to successfully log on to www.53.com on March 2, 2015. 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 (513) 358-2985, or toll free at (866) 360-5353. Sincerely, Patrick Sucher Senior 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.  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]

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]

[redacted] Date: April 14, 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. Our records reflect that you contacted the Auto BillPayer Department on February 29, 2016, to enroll in automatic payments. Before automatic payments can start, a customer must complete and send back an enrollment form. We issued forms to you on February 29, 2016, and April 15, 2016, but have no record of receiving a completed enrollment form. For this reason, Auto BillPayer has not been able to automatically process your loan payments. Enclosed are the follow up letters we sent to you on March 21, 2016, and April 11, 2016, advising you we need your enrollment form to have payments automatically deducted. Also enclosed is the letter we sent to you on April 29, 2016, advising that your enrollment in Auto BillPayer was cancelled because we did not receive the required enrollment form. I reviewed the information being reported to the credit reporting agencies for this installment loan. I confirmed that we reported the account as thirty (30) days late in June 2016 and sixty (60) days late in July 2016. We did not receive the payment that was due on May 30, 2016, until August 2, 2016. The late payments were reported correctly. I confirmed that you have received several phone calls from our Collection Department and spoke to them on multiple occasions, including to schedule Automated Clearing House (ACH) payments for the account. Specifically regarding the payments reported late, you spoke to our Collection Department on June 11, 2016, regarding the payment that was due on May 30, 2016. You advised you would make a payment on June 30, 2016. However, no payment was received or scheduled. We spoke to you again on July 7, 2016, and July 14, 2016. On July 14, 2016, you advised you could not make a payment until the end of the month. The payment was received on August 2, 2016. I understand you have advised you sent the Auto BillPayer enrollment form multiple times; however, we have no record of receiving it. You received written notification that your enrollment in the program was cancelled. You also spoke with our Collection Department regarding the missing payments before they were reported delinquent. We regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to remove the negative reporting that is accurately listed. If you have confirmation of how, where, and when you sent the enrollment forms to the Bank, please forward the documentation to me directly so that I can further research this matter. I can be reached using my address listed above or via fax at ###-###-####. Per our conversation on March 31, 2017, we mailed a new enrollment form to you on April 3, 2017. We also emailed a new enrollment form to you on April 3, 2017, to the email address you provided of [redacted]. I also provided you with my email address so you could complete the form, scan it, and email it to me directly so I can ensure the form is received by the Auto BillPayer Department. Per our conversation on April 7, 2017, you received the emailed form but had not yet emailed it back. You advised you would send it that day or the next day. As of April 14, 2017, I have not received an email from you with the form. When you email the form, please contact me using my phone number listed below so that I can call you if the email does not come through. You can also fax the form to my attention or mail it to my address listed above. As of April 11, 2017, your installment loan is current with the next $272.84 payment due on April 30, 2017. You have scheduled the next three (3) payments to process via ACH with our Collection Department. The following payments are scheduled on the account: **$272.84 on April 28, 2017 **$272.84 on May 26, 2017 **$272.84 on June 28, 2017 Please note that if you send the form back and Auto BillPayer begins automatically processing your monthly payments, the enrollment will not cancel the payments you have scheduled with the Collection Department listed above. You will need to confirm the first (1st) payment date that Auto BillPayer will process, and then cancel any overlapping Collection Department payments. The Collection Department can be reached at ###-###-####. They are available to assist you Monday through Friday from 8 a.m. to 9 p.m., ET, and Saturday through Sunday from 8 a.m. to 5 p.m., ET. If you would like to contact the Auto BillPayer Department directly, they can be reached at ###-###-####. Auto BillPayer is available to assist you Monday through Friday from 8 a.m. to 5 p.m., ET. I have enclosed an additional enrollment form for your convenience. 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: Auto BillPayer Letters (3), Enrollment Form

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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]

Please find below the text of the letter and enclosure being mailed to the customer. All other enclosures have been provided with our original response. Thank you. [redacted] Date: February 15, 2017 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your installment loan. 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 5, 2017. We received your follow up complaint on February 7, 2017. However, we stand by the response conveyed to you in the previous letter sent on February 3, 2017. I have enclosed a copy of that prior correspondence, our position on this matter has not changed. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your installment loan. It was certainly not our intention to cause you any hardship. We strive to provide an exceptional experience to our customers, and I am sorry we have not met your expectations. 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. As mentioned in our original response, we determined you did not provide the Bank proof of insurance on your vehicle from March 25, 2016, through December 2, 2016. Per the terms of your security agreement, the Bank purchased an insurance policy to cover your vehicle from March 25, 2016, through March 25, 2017. Upon receiving proof of your insurance, the Bank purchased insurance policy was cancelled and your installment loan was refunded $391.00. Please use the below breakdown as verification of your payments toward the force placed insurance policy. As of February 9, 2017, the remaining balance on your insurance policy is $318.19. Payment Date Amount to [redacted] Balance 6/24/2016 $1,426.00 Rebate $391.00 $1,035.00 7/19/2016 $33.57 $1,001.43 7/26/2016 $33.55 $967.88 8/2/2016 $30.68 $937.20 9/7/2016 $31.25 $905.95 9/12/2016 $36.09 $869.86 9/21/2016 $30.68 $839.18 10/25/2016 $41.64 $797.54 11/1/2016 $41.66 $755.88 11/8/2016 $11.32 $744.56 12/2/2016 $115.00 $629.56 12/5/2016 $21.56 $608.00 1/4/2017 $65.55 $542.45 1/23/2017 $115.00 $427.45 2/01/2017 $109.26 $318.19 Amount Owed $318.19 Please find enclosed a copy of a payment breakdown. Included in this breakdown is your payment due date (the 9th of every month), the date you made a complete loan payment, the number of days your loan was past due, and the payment date satisfied by each payment. On February 1, 2017, the Bank received and processed your payment of $338.84. This payment satisfied your December 9, 2016 payment. The Bank has not received your payment due January 9, 2017, or February 9, 2017. As of February 9, 2017, the amount to bring your account current is $720.45. This amount includes the following: Regular Payment due February 9, 2017 $297.69 Past due balance January 9, 2017 $ 19.99 Force Placed Insurance Balance $318.19 Late Charges $ 84.58 Total Amount Due $720.45 If you make the payment of $720.45 prior to the end of your grace period, February 19, 2017, your payment due March 9, 2017, would revert to your normal payment of $182.69. It should be noted, the Collection Department considers repossession of property when an installment loan becomes more than sixty (60) days past due. As mentioned above, the Bank has not received your installment loan payment due December 9, 2016. Because of the force placed insurance dispute, we have worked with the Collection Department to ensure your vehicle would not be sent for repossession at this time. However, a payment to satisfy the past due balance is due immediately. It was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. We value your relationship and look forward to fulfilling all of your financial needs for years to come. 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: Security Agreement Proof of Insurance letters (3) Payment Breakdown

[redacted] Date: April 14, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding 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 or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As you may already be aware, you have the right to request that PMI be canceled on or after the following dates: 1. The date the principal balance of your loan is first scheduled to reach eighty percent (80%) of the original value of the property. This date is April 1, 2023. 2. The date the principal balance reaches eighty percent (80%) of the original value of the property. When your loan is eligible to have PMI canceled, you must be able to meet all of the following requirements: 1. You submit a written request to have PMI canceled on your loan. 2. There must be a good payment history as defined in the Notice Concerning Private Mortgage Insurance. 3. You must be current on your loan payments at the time of the request to have PMI canceled on your loan. 4. The Bank receives, if requested and at your expense, satisfactory evidence to the holder of your loan that the value of your property has not declined below its original value, and certification that there are no subordinate liens on the property. On March 31, 2016, we received your written request to cancel PMI on your mortgage loan. On April 1, 2016, we sent a letter explaining that PMI could not be cancelled on the loan at that time. This is because the loan to value ratio at that time was ninety six point six percent (96.6%). Please also note that, in determining if PMI can be canceled, the Bank uses either the lesser of the appraised value of the property at loan origination or the sale price of the property at loan origination. In calculating the current loan to value ratio for the purpose of determining if PMI can be canceled on your loan, we used the appraised value of the property at loan origination of $184,823.00 and the current outstanding principal balance owed on the loan of $178,241.57. Your current loan to value for the purposes of determining if PMI can be canceled on your loan is ninety six point forty four percent (96.44%). Since the current loan to value is still greater than or equal to eighty percent, PMI cannot be canceled at this time. The replacement value of a home provided by a Homeowner’s Insurance Policy cannot be used to determine the loan to value ratio for the purpose of determining if PMI can be canceled on your mortgage loan. Additionally, nearby comparable home sales cannot be used to determine if PMI can be canceled on your loan. Please note that the rules concerning PMI are derived from guidelines established by the federal investor that owns your loan. The federal investor that owns your loan is Freddie Mac. If you would like to contact Freddie Mac directly, please contact them at the address listed below: Freddie Mac 8250 Jones Branch Drive Mclean VA 22102 You can also find additional contact information for Freddie Mac online at www.freddiemac.com. I want to be sure you are aware that you may still be able to have PMI canceled on your loan with a new appraisal of the property. If you would like to pursue this as an option, please complete the enclosed appraisal consent form and fax it to ###-###-####. Please note that if the Bank uses a new appraisal as the value of your property in determining if PMI can be canceled on your loan, the following conditions must be met: * The appraisal must be ordered by the Bank; it cannot be ordered by the borrower. * The borrower must pay for the cost of the Bank approved appraisal; the cost for a Bank approved appraisal normally ranges between $395.00 and $700.00. * The loan will need to be at seventy five percent (75%) of the new appraised value of the property. * The property must be either a Single Family Home or Second Home; it cannot be a rental property. * The loan must two (2) to five (5) years old For reference I have enclosed the information you received at loan closing regarding Private Mortgage Insurance. The document is titled Notice Concerning Private Mortgage Insurance and further explains the information outlined in my letter. Additionally, please also find the enclosed letter that we sent on April 1, 2016, which further explains why the Bank is unable to cancel PMI on your loan at this time. If you have additional questions please call the Bank’s Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET. 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 (3): Appraisal Request Form; Notice Concerning Private Mortgage Insurance; PMI Cancellation Request Denial Letter

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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] I have spoken to them over the phone and they have finally agreed to send final statement on 1/122015 which when I receive statement I will return return payment then. Payment will probably not be made by 1/14/2015 since it is now 1/12/2015 and no statement has been received

[redacted]Date: September 20, 2016Account: [redacted]Regarding Your Checking AccountDear [redacted]: We received a copy of the rebuttal complaint you submitted to the Revdex.com. Weappreciate the time you have taken to document your additional thoughts and concerns regarding thismatter.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may havecaused you. However, we stand by the response conveyed to you in our previous letter dated August 31,2016. Our position on this matter has not changed.As we explained in our previous letter, Fifth Third Bank processes transactions at the end of eachbusiness day. This does not include Saturdays, Sundays, and Federal Holidays. Credits and deposits areposted first, time-stamped debits are posted in the order in which they are received, and other non-timestampeddebits are posted in the order of the largest amount to the smallest amount. We were unable tolocate any recordings of your calls to the Bank explaining our posting order to you. However, as we statedin our previous letter, the items that posted to your account were posted in the correct order per our Rulesand Regulations.You also mentioned the overdraft settlement that applied to all persons in the United States who hold orheld a Fifth Third Bank account and who at any time from October 21, 2004, through July 1, 2010,incurred at least one (1) overdraft fee associated with at least one (1) Fifth Third Bank debit cardtransaction. The claim deadline was May 2, 2011. Our records confirmed that you did not receive a refundas part of that settlement.Additionally, you mentioned that overdraft fees totaling $259.00 were waived due to a fraudulenttransaction. Our records do not show any disputes on file for your account. If you would like for us toresearch this matter further, you may contact me at either number below.Again, it was certainly not our intention to cause you any hardship. Unfortunately, we are still unable towaive any additional fees per our bank policy.Thank you for your patience while we researched this matter for you. We truly value your business, andwe certainly hope that you will continue your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Mondaythrough Friday, 8 a.m. to 6 p.m., ET.Sincerely,Elizabeth D.Office of the PresidentPc: Revdex.com

[redacted] Date: December 23, 2016 Account: [redacted] Regarding Your Dispute Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your dispute of a Fifth...

Third Bank credit card opened without your authorization. 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. Fifth Third Bank takes protecting financial and personal information very seriously. Since you state that you did not authorize the opening of the credit card ending in [redacted], our Disputes Resolution Department opened case number [redacted] on December 20, 2016, to investigate your claim. On December 16, 2016, we closed the card at your request. Please be assured that no purchases were made with the card. We strive to resolve all investigations as quickly as possible. Please allow up to forty-five (45) days for the investigation to be completed. You will receive final written documentation from our Disputes Resolution Department upon completion of their research. If would like to follow up with our Disputes Resolution Department directly, you can reach them at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. Please be sure to reference your case number when speaking with an agent. 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. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] Date: December 22, 2016 Account: [redacted] Regarding the Hold on Your Express Banking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding the hold...

on your Express Banking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. I also want to thank you for taking the time to speak with me on November 22, 2016. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. On October 22, 2016, you contacted the Bank to report that your debit card was lost. You also filed a fraud dispute for the following ATM (Automated Teller Machine) withdrawals: $800.00 on October 19, 2016; $800.00 on October 20, 2016; $760.00 on October 21, 2016. While investigating your dispute, we placed a hold on your Express Banking account ending in [redacted] due to the fraudulent activity on your account in order to protect you and the Bank from further possible fraud or loss. On October 25, 2016, we posted provisional credits totaling $2,360.00 to your account while we completed our investigation. On December 2, 2016, your dispute was approved and the provisional credits totaling $2,360.00 were made final. I have enclosed a copy of the letter we sent to you to inform you of the results of our research. Upon completion of our investigation, the hold was removed from your account. Thank you for your patience while we conducted our research. 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 Enclosure: Final Dispute Letter

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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.   This message is in regard to my rebuttal to the Business involved response letter to my concerns submitted on 3/11/2016 against Fifth Third Bank.My complaint did not receive the adequate and fair business's response to my concerns, and their contents of the message is Not  correct and bot accurate--The company did not address the issuesThat my account was closed on Feb. 25 th by my signature and withdrawing all the money after checking that all pending issues were closed. Infact,  They are making  it worse! They Added more charges and penalties to a closed account to make more money and take advantage more of the simple situation--why?The facts are That I closed my Account on Feb 25Th to Zero Balance after taking all my assists in a cashier check. Moreover,  they were not supposed to take any more monies or pay debit payment since I signed  a form and told the lady in charge to not to! However, it seems that  this company is having financial trip led closing branches and releasing employees and moreover taking advantage of its client who trusted them with their assists... We customers have the inability to fight them due to gist and time and they know it -- so they charge us unfair charges.The breach of the Business agreements by not meeting better Business laws to serve their consumers here in the US.Please take the necessary measures to castigate such a behavior-- an unfair fraud and devious behavior by these Banks for future generations sake .Last I want to remind them that What goes around comes  around and that righteousness is High!Thank You[redacted]

[redacted] Date: March 8, 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 thoughts and concerns regarding this matter. Thank you for taking the time to speak with me today. 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 February 5, 2016, the Bank received and posted a $6,906.26 payment to pay off your installment loan ending in [redacted]. At the time of the loan closing, the mailing address on your account was: [redacted] Upon processing the lien release for your loan, the Bank mailed your title to the above address. On March 3, 2016, the title was returned due to the incorrect address. However, on March 1, 2016, you contacted our customer service department and updated your mailing address to your current address. As we discussed during our phone conversation today, the title was mailed to your current address on March 3, 2016. If you have not received the title, please contact me at the number below. I will work with the collateral department to issue a replacement duplicate title. Thank you for your patience while we researched this matter for you. You have been a valued customer, and we certainly hope you will consider using Fifth Third Bank for your financial needs in the future. If I can be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President

February
25, 2015[redacted]
[redacted]
Re:
Account #[redacted]Dear
[redacted]: We
received a copy of the complaint you filed with the Revdex.com dated
February 17, 2015, concerning the level of service you received from the Bank
when you applied...

for an equity FlexLine account.  We appreciate the time you have taken to
express your thoughts and concerns regarding this matter.    Your
comments expressing less than quality service are very concerning and I regret
the difficulties you experienced.  I have
shared the information you brought to our attention with the management of the
Financial Center you mention in your correspondence as well as the appropriate
department which processed the loan at the Bank.  Additionally, customer feedback is reviewed
with our regional management.  Customer
service is of the utmost importance to all of us at Fifth Third Bank and we
appreciate your feedback as it assists us in identifying problems in an effort
to continuously improve the service we provide our customers.  I
apologize for the difficulties you encountered with the processing of the
equity FlexLine account for [redacted]. 
Please be assured that the loan has been opened properly and is
reflected in our database.  A transfer of
$[redacted] was deposited into your checking account ending in [redacted] on February 18, 2015 as you
requested. Ms.
[redacted], I can assure you that it was not our intention to cause you any
frustration or hardship.  On behalf of the
Bank, please accept my sincere apology for any inconvenience or concern that
this matter may have caused you.  If I
could be of further assistance to you, please call me at [redacted].Sincerely,[redacted]Consumer
Resolution SpecialistOffice
of the President