Fifth Third Bank

[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

[redacted] Date: May 26, 2015 Account: [redacted] Re: Mortgage Loan application Dear [redacted]: We received a copy of your rebuttal recently filed with the Revdex.com. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. After speaking with you on May 19, 2015, I contacted the [redacted] Banking Center you referenced in our conversation. I spoke with both the banker and the mortgage loan officer and it was their understanding from their interactions with your wife that you were only interested in refinancing with Fifth Third Bank if we were able to provide you with a rate and closing costs that were both lower than we are able to provide to our customers. I regret to inform you that Fifth Third Bank is not able to match rates from other lenders. As much as we would love to have your loan with us, we are required to be consistent with what we offer our customers and therefore cannot offer a lower rate or lower closing costs to one customer that we are not able to offer all of our customers. I regret that adherence to these policies and regulations caused you any frustration or inconvenience. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We strive to provide quality service to all of our customers, and I am sorry for your unsatisfactory experience during your previous attempts to resolve this matter. If you feel that my accounting of the situation was not the case, please contact our new accounts department at ###-###-#### or visit your local Fifth Third Banking Center. Or you may contact me at the number below with any questions or concerns. I would be happy to assist you now or in the future. [redacted], you are a valued customer and I appreciate this opportunity to address your concerns. 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, [redacted]Consumer Resolution Specialist 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.   They facts they list as when I first contacted them are incorrect and they have made no commitment to stop their business practices that make it difficult for customers to be efficient in dealing with the bank.  I have also asked that the person responsible for this give me a call to discuss but have received no call.  
Regards,
[redacted]

[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: May 4, 2017 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your installment loan account. We appreciate the time you have taken to express your continued thoughts and concerns. On behalf of the Bank, I apologize for any difficulties or concern this situation may have caused you. However, we stand by our previous correspondence dated April 25, 2017. Our position on this matter has not changed. For your reference, I have enclosed a copy of our previous correspondence. We reviewed the recording of the phone call between [redacted] and our Collection Department. We confirmed that [redacted] provided an account number of [redacted]. The representative read the account number back to [redacted] to verify he had it correctly, and [redacted] confirmed the account number was correct. As a result, the payment was entered. However, the account number was not correct as it was missing a digit. We confirmed that no Bank error took place. The valid late payment that was reported affects all signers on the loan. 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: Previous Response

[redacted] 
[redacted] 
[redacted] Date: January 14, 2016 Account: [redacted] Regarding your Secured Credit Card Account Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com regarding your Secured...

Credit Card. We appreciate the time you’ve taken to document this matter and appreciate the opportunity to respond to your question. Per our secured credit card agreement, when a credit card is secured with money deposited in a savings account, that money is held 90 days after the credit card is paid off and the card is closed. On October 2, 2015, we received your payment in the amount of $190.21 to pay off the balance and per your request, we closed the account. On January 4, 2016, the next business day after the 90 days were complete, the hold on your savings was released and on January 5, 2016, you transferred $250.00 to your checking account ending in 8336. On January 6, 2016, you transferred another $50.00 to your checking account leaving a balance of .26 cents. You are a valued customer, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Briggett F. Office of the President

[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

[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] 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

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.  They think an apology is good enough.  Well it's not!  First of all, you don't treat clients like I was treated.  I went through hell with 53rd Bank for 4 months waiting to get a home loan. They didn't care then and surely don't care now.  This loan originated in August 2015.  They contacted me at the end of November 2015 to tell me I wouldn't qualify for the loan. They kept leading me to believe everything would go through on this loan. I paid for an appraisal,  different inspections,  multiple contract extensions, and earnest money.  If they didn't lead me to believe the loan would go through, I wouldn't of invested my hard earned money to try and get this house.  I'm a single mom with 2 kids.  They didn't care then, and sure don't care now. I guess their apology is going to make everything right. No bank will take 4 months to tell you that your loan didn't qualify!  The loan was handled by 3 different people in multiple states.  Each and everyone of them dropped the ball.  I'm a first time home buyer and this was  big decision for me.  As it should be.  I'm out of the money along with being out of a house!  I hope anyone and everyone see's my complaint about 53rd Bank before thinking about getting a loan through them.  I'm going through a different bank and qualifying for the loan. 
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

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

[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

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]

Hello: We have addressed [redacted] concerns regarding the scheduling of payments in our previous two (2) responses.  Because the card is revoked, he is not able to make payments to his credit card through our online system, or Auto BillPayer. He may set up automatic payments with our collection department; however, the collection department, per their procedures, will not accept more than four (4) payments. I have attached our prior responses to this email.  Because there are no additional concerns being addressed by the customer, we stand with our previous responses. Thanks  Pat S.Senior Consumer Resolution SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### Fax: ###-###-####Email:  [redacted]

A credit of $28.00 has been issued to the credit
card account. Please find attached a copy of the written response being mailed to the customer also. Thank you.[redacted] [redacted] [redacted] Date: March 29, 2017 Account: [redacted] Regarding Your...

Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. Your payment of $5,522.65 posted to your account on February 21, 2017. A credit of $28.00 has been issued to the credit card account to reimburse you for the stop payment from your credit union. You are a valued customer and I appreciate this opportunity to address your concerns. 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, Alison S.Office of the President Pc: Revdex.com

We feel as though we have properly responded to the customer’s concerns. If the customer would like speak with someone at the Bank regarding this matter, we are certainly happy to speak with her. She can call me directly at the number provided in my previous responses to her (see below). We do regret the negative experience the customer has had with Fifth Third Bank’s Mortgage Department; however, we do not have any additional information to provide.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

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.You have no idea how much time, effort, and energy has been devoted to try to get them to apply the payments as they were intended.  Each time we spent at least 35 minutes on the phone to get it rectified and as the response states, they just couldn't get it right.  Then we had to spend money to refinance to get out from under their irresponsible banking practices.  We have received the escrow money, but they are only giving us the $14.27 back now because the Revdex.com was contacted.  Prior to that everything was rectified in their mind, we tried to tell them different, and they would not do anything even after escalating up to supervisors.  We knew our final payment was wrong, but just wanted this negative experience in our lives to be over.  I wish I would have filed a claim with the Revdex.com earlier.  I do understand your need to resolve this issue, but I am exercising my right to reject their response as not even coming close to rectify their past mistakes.  For example...My check #5007 written/mailed on June 27, 2014 was not cashed until 7/24/2014.  Then my principal only check #5014 written/mailed on July 5, 2014 was cashed on 7/14/2014.  This means that check #5007 sat on someone's desk for almost a month.  They feel that $14.27 will cover that and three other errors, but there were more?  What I am still looking for is accuracy in their banking so that this never happens to another soul!Put yourself in my shoes and understand the frustration of not being able to get the time and resources involved with this complaint back!
Regards,
[redacted]

[redacted] Date: September 21, 2015 Account [redacted] Regarding Your Equity Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your equity loan. We appreciate...

the time you have taken to document your thoughts and concerns regarding this matter. On March 22, 2006, you agreed to a fifteen (15) year equity loan of $36,500.00. This amount included the payoff to [redacted] Financial of $34,591.73, settlement costs of $1,785.00, and cash to you of $173.27, less a credit of $50.00. One hundred seventy-nine (179) installment payments of $263.70 are due on the eleventh (11th) of each month beginning on May 11, 2006, and one (1) balloon payment of $27,780.43 is due on April 11, 2021. I have enclosed a copy of your loan note and settlement statement for your review. Your equity loan is a simple interest loan, with interest accruing daily on unpaid principal. When we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last payment. Then we apply the remaining funds to the unpaid principal balance. Your payment habits affect the amount of interest you pay over the life of your loan. If payments are received late during the life of the loan, you pay more in interest over the life of the loan. Because less of your payments are applied to the principal balance, there may be a larger final payment due to late charges paid and additional accrued interest. Since your loan originated on March 22, 2006, a total of $2,118.76 has been applied to your principal balance. A review of your payment history shows several late payments throughout the life of the loan, which have affected the interest accrued on your loan, and therefore the amount of your payments applied to principal. Additionally, the payments throughout the life of the loan have not been significantly greater than your regular monthly payment amount of $263.70. With several late payments throughout the life of the loan, less of the extra you have been paying has been applied to principal. Below is a chart showing the payments that have posted in the past twelve (12) months, which details how much of the payments were applied to principal and interest, how much interest had accrued since the last payment, and how much interest was remaining after the payments had been applied: Payment Interest Accrued Late Interest Payment Date Principal Interest Amount Since Last Payment Charges Remaining Satisfied 10/09/14 $275.00 $229.09 $45.91 $229.09 $0.00 $0.00 10/11/14 11/06/14 $275.00 $206.65 $68.35 $206.65 $0.00 $0.00 11/11/14 12/11/14 $275.00 $257.79 $17.21 $257.79 $0.00 $0.00 12/11/14 01/12/15 $275.00 $235.59 $39.41 $235.59 $0.00 $0.00 01/11/15 02/17/15 $265.00 $264.73 $0.27 $264.73 $0.00 $0.00 02/11/15 03/09/15 $275.00 $147.07 $127.93 $147.07 $0.00 $0.00 03/11/15 04/09/15 $200.00 $227.12 $200.00 $0.00 $27.12 04/11/15 05/08/15 $265.00 $239.59 $25.41 $239.59 $0.00 $0.00 05/11/15 06/09/15 $265.00 $234.28 $30.72 $234.28 $0.00 $0.00 06/11/15 07/10/15 $265.00 $226.75 $38.25 $226.75 $0.00 $0.00 07/11/15 08/13/15 $215.00 $248.41 $215.00 $0.00 $33.41 08/11/15 09/08/15 $253.00 $223.98 $29.62 $223.38 $0.00 $0.00 09/11/15 As you can see, significant portions of your payments have been applied to accrued interest, with two (2) payments applied entirely to interest. The interest rate on your equity loan is 7.75% with interest accruing by $7.30 daily. If you would like to pay down more of your principal balance to avoid a larger balloon payment at maturity, then you will need to make larger extra payments, as well as make your payments by the due date each month. I have also enclosed a copy of your payment history, which details all of the payments that have posted since the beginning of your loan and how they have been applied to your loan. As of September 17, 2015, the total payoff of your equity loan is $34,446.94. This amount includes principal of $34,381.24 and interest of $65.70. Your next payment of $263.70 is due on October 11, 2015. Unfortunately, we are unable to make any changes to the existing terms of your loan based on your complaint. However, you have the option of applying for a loan modification. If you would like more information, or you would like to apply, please contact our Loss Mitigation Department at ###-###-####, option 1. They are available Monday through Friday, 8 a.m. to 5 p.m., and Saturday, 8 a.m. to 12 p.m., ET. Any specialist will be happy to assist you. You also mentioned that you are unable to apply for a refinance with Fifth Third Bank. Please note that although we are unable to originate new loans in Arizona, we are still able to service our current loans that were previously originated in Arizona. 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 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 Enclosures (3): Note, Settlement Statement, Payment History Page 2 of 2

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.
Some of the problems and fees we were hit with were because of employee error and miscommunication. That is what I would like corrected and reversed. Not to mention how poorly we were treated by most everyone we talked to at the [redacted] branch.  One branch to the next has no idea what is going on and will tell the customer something different. They have no idea what good customer service really is.
 
Regards,
[redacted]