Fifth Third Bank

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

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 have received 2 letter from 53rd apologizing for the way I was treated regarding my loan  That is not going to help me end this complaint against them.  The letters indicated how strong they feel about customer care and satisfaction, when I know they really don't care at all.  I was strung along with them on this loan process for 4 months.  A lot of my hard earned money was spent trying to get this loan approved.  Not even including the energy and time spent on the phone with them getting the run around.  No I'm not happy with them.  As far as I'm concerned, until they reimburse me for money I spent, I'm not going to settle this complaint.Thanks for your continued effort.  Please let me know where this stands. Have a great day.Regards,
[redacted]

[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]

[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]

[redacted] Date: December 6, 2016 Account: [redacted] Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com)...

regarding your mortgage 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 the frustration you experienced regarding this matter. Your mortgage loan ending in [redacted] was opened on August 5, 2015. This loan is a refinance of your previous mortgage loan with the Bank ending in [redacted]. Enclosed for your review is the Initial Escrow Account Disclosure Statement for your loan ending in [redacted] that was issued in August 2015. Even though your new loan was a refinance of an old loan, the new loan’s escrow is determined completely separate from the old loan. Per the disclosure, when we estimated what would be paid from escrow between October 2015 and September 2016, the following escrow items were estimated to be paid: ** $989.59 for [redacted] County taxes in November 2015 ** $602.00 for homeowner’s insurance in January 2016 Please note that escrow analyses cover only a twelve (12) month period, so anything estimated to be paid outside the twelve (12) month period would not be included on that escrow analysis. The initial escrow analysis created was based on information provided on the HUD-1 Settlement Statement and title report from settlement. City taxes were not disclosed and therefore, they were not included in the analysis completed in September 2015. They were included on the next analysis completed in 2016 when it became apparent that city taxes would need to be collected and escrowed. On page three (3) of the enclosed analysis, you can see that Fifth Third Bank paid the $678.58 for city taxes due in October 2015. Because we did not have that information during the initial analysis, it was not reflected in your escrow, and we did not collect funds to cover it during that initial analysis year. As a result, it caused a shortage in the September 2016 escrow analysis. The funds Fifth Third Bank paid on your behalf for the city taxes due in 2015, still need to be collected. We also need to collect the $678.58 that is estimated for 2016 city taxes that are due. I am very sorry for the dissatisfaction you have experienced regarding your recent escrow analysis. I can understand your frustration; however, the funds for the city taxes must be collected. Please note that you have the option to spread the $1,426.34 escrow shortage out over twenty-four (24) or thirty-six (36) months to decrease the monthly shortage payment required. If you would like to spread out the shortage, please contact me directly using my phone number listed below. You can also mail the request to our address listed above, or you can fax it to my attention at ###-###-####. Please note that spreading the shortage out over more than twelve (12) months means that any future shortage payments required while you are still paying the 2016 shortage will be added on top of the 2016 shortage payment. You also mentioned that you should have received a $1,500.00 escrow refund from the previous mortgage loan after it was paid in full. Your previous mortgage loan ending in [redacted] had a payoff balance quoted of $83,181.55 as of July 29, 2015, and a $1,591.72 escrow balance. When the payoff was quoted, the funds in escrow were netted. This means that the funds in the escrow account were used as part of the payoff. This caused the payoff funds needed to pay the loan in full to be reduced to $81,579.83. We utilized $1,528.06 of the escrow funds in conjunction with the $81,605.29 payoff we received on August 12, 2015, to pay the loan in full. The last payment you made to the loan ending in [redacted] was the July 1, 2015, payment, which paid the interest accrued from June 1, 2015, through June 30, 2015. As a result, the payoff needed to cover the interest accrued since July 1, 2015. Per the enclosed payoff statement issued on July 29, 2015, the interest owed from July 1, 2015, through August 15, 2015, was $565.45. The loan was paid in full on August 12, 2015, so the amount of outstanding interest owed was only $527.25. The payoff quote also shows that funds from the escrow account would be used toward the payoff. There was no error in the amount of interest collected. After applying the $1,528.06 in escrow to the payoff balance, there was a remaining escrow balance of $63.66. These funds were sent to you in the form of a check on August 24, 2015. The check was cashed on September 3, 2015. There are no additional refunds owed. Please be advised that we explained the escrow refund check to you in our previous correspondence dated September 9, 2015. The letter was sent in response to your email sent to the Bank via our website at 53.com on August 24, 2015. We also previously responded to your concerns regarding the current escrow shortage in a letter sent to you on October 18, 2016. The letter was sent in response to your email sent to the Bank via our website at 53.com on October 2, 2016. Copies of our previous correspondence are enclosed for your review. I am sorry for the miscommunication regarding a return call you were expecting from Mortgage Loan Originator Michael F. that you did not receive. Please be assured that I have contacted the relevant Bank management regarding this information. 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: Initial Escrow Disclosure, 2016 Escrow Analysis, Payoff Quote, Payment History, Previous Correspondence

In my last response to the customer, it was explained that, on May 4, 2016, we submitted an update to all four (4) credit reporting agencies to correctly report the account as being included in the Chapter 7 Bankruptcy, discharged on October 29, 2013, with a zero balance owed.  It was also communicated that the update submitted to the credit reporting agencies on May 4, 2016, would take approximately thirty (30) days for the credit reporting agencies to update their reporting.We have a scheduled follow up date of June 17, 2016, to ensure that the update submitted on May 4, 2016, is reflected on the customer’s credit report. If the account is reporting correctly at that time, the customer will not receive an additional response from us. If the reporting is still incorrect at that time, we will send another response to the customer informing him that the account is still not reporting correctly, and that another update has been submitted to the credit reporting agencies.Thanks,Adam P.Consumer Resolution SpecialistFifth Third Bank | 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. The company has not addressed the dispute at all. They are indicating that we initiated a payment to a company that we do not do business with now or in the past.  This is a minor account and have only used this account for the sole purpose of savings. There needs to be a refund into our son's account.
[redacted]

FIFTH THIRD BANK
September 18,
2014
[redacted]
[redacted]
Re: Checking Account xxxxxx[redacted]
Dear Mr. [redacted]
We received the complaint you filed with the
Revdex.com regarding the difficulties you have experienced with a
promotional bonus...

for your checking account. We appreciate the time you have
taken to document your thoughts and concerns regarding this matter.
Your comments expressing less than quality
customer service are very concerning. We strive to provide accurate and
professional service to our customers and I regret if this is not the level of
service you received. Please be assured that I have contacted the relevant
parties and expressed your dissatisfaction with the service you received and
passed along your concerns.
Fifth Third Bank is running a [redacted]
promotion that rewards customers with a $[redacted] cash bonus into their newly opened
checking account. A new checking account has to meet certain activity criteria
in order to receive the bonus payout. The cash bonus would be paid as long as
your account receives at least one (1) direct deposit of $[redacted] or more and
you initiate at least three (3) online bill payments. Your online bill payments
need to be initiated through our Internet Banking website at www.53.com. These requirements must be met within ninety (90) days of your
account opening.
Your checking account was
opened March 26, 2014. However, the requirements in order to receive the
promotional bonus were not met during the ninety (90) day time frame. You had
initiate two (2) online bill payments through Fifth Third Bank's online bill pay
service. However, online bill payments through a merchant do not count towards
the requirements of this offer. However, in the interest of customer service
and because we believe you were informed that you did meet the requirements for
this offer, we have credited your account for the $[redacted] promotion.
It was certainly not our intention to cause
you any hardship and we appreciate your patience while we researched this
matter. If I could be of further assistance to you please call me at [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]

[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. 
Regards,
[redacted]
I made it very clear and asked repeatedly for them to tell me how much money I owed. They have recorded conversations. The assured me I, after I paid the $4K+ that there was nothing else owed until May 18,2016. Now they have alleged I owe more. What a POS company!!!!

[redacted] Date: March 22, 2016 Regarding Your Husband’s Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, husband’s installment loan account. We...

appreciate the time you have taken to document your thoughts and concerns regarding this matter. Since you are not a signer on your husband’s account, we are unable to share any details concerning his account with you. Security measures such as these are put in place to protect account holders from potential fraud and I apologize for any inconvenience this may cause you. Please be aware that we responded to your letter in detail and mailed a response to your husband. [redacted], we appreciate your patience while we researched this matter. 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 Pc: Revdex.com

We received a copy of your complaint filed with the Revdex.com, concerning yourchecking account ending in [redacted]. We appreciate the time you have taken to express yourconcerns regarding this matter.On behalf of the Bank, I apologize for the difficulties you have experienced with your...

account. Itwas certainly not our intention to cause you any hardship or frustration.In 2010, Fifth Third Bank agreed to settle the overdraft class action suit known as Schulte, et al.v. Fifth Third Bank, Case No. 1:09-CV-06655, filed on October 21, 2009, in the United StatesDistrict Court for the Northern District of Illinois. According to the procedure established by theCourt, in order to receive a payment from the settlement, your claim form must have beensubmitted to the Claims Administrator prior to the deadline of May 2, 2011.Please understand that the Court did not decide in favor of either the Plaintiff or the Defendant.Instead, both sides agreed to settle this case to avoid the cost and risk of a trial. The settlementdoes not mean that any law was broken or that the Bank did anything wrong. The Bank denied alllegal claims in the case.On November 17, 2008, your checking account ending in [redacted] was opened with the Bank. OnJune 23, 2009, the account was closed and charged off for collection. If the Claims Administratordid not receive the required claim form from you prior to the deadline of May 2, 2011, you werenot eligible for a payment from the settlement related to your checking account.The account ending in [redacted] was sold to U[redacted] on June 16, 2010. Foradditional information pertaining to the charged off account, we recommend you contact [redacted] bythe following address:[redacted]
[redacted]
[redacted]Please be aware that [redacted] may have sold the acquired debt to another collection agency, whichis why you may be receiving calls from [redacted]. If you’re contacted againby [redacted] or any collection agency, you may request validation of the debtin question and contact information in which the agency is calling you from.We hope this correspondence will help you understand Fifth Third Bank’s position going forward.If I could be of further assistance to you, please call me at [redacted], or toll free at [redacted]
[redacted] Monday through Friday, 8 a.m. to 6 p.m., ET.

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]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

[redacted] Date: September 9, 2016 Account: [redacted] Account: [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

concerning your checking account. 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. 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’ satisfactions. Please find enclosed copies of your checking account statements from June 2013 through April 2014, and your savings account statements from June 2013 through January 2014. Please use the enclosed documents as verification of your checking and savings account activity. On July 23, 2013, the Bank processed a garnishment on your checking and savings account. Please find enclosed a copy of check ([redacted]) which was sent to [redacted] County Magistrate Court. The check was negotiated on July 31, 2013. The memo line on the enclosed check states: [redacted]. Please use the enclosed documents as verification that [redacted] County has processed the check mailed on July 23, 2013. It was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. 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, Patrick S. Office of the President Pc: Revdex.com Enclosures: Checking Statements, Savings Statements, Check

[redacted] Attn: [redacted] [redacted] [redacted] Date: May 4, 2017 Account: [redacted] Regarding Your Business Basics Checking Account Dear [redacted]: We received copies of the complaints you filed with the Better...

Business Bureau, the Ohio Division of Financial Institutions, and the [redacted] concerning your Business Basics Checking account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience 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. We understand your concerns regarding the availability of your deposit. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank, from loss or possible fraud. Per Federal Guidelines and the Bank’s Funds Availability Policy for Business Accounts, when a check is deposited into a business account at an Automated Teller Machine (ATM) prior to the cut-off time of 7 p.m., ET, the first $200.00 from the deposit will be available the next business day. The remaining funds will be available on the second (2nd) business day after the day of the deposit. In some instances, we reserve the right to place a hold of a longer period of time on a deposit. The full amount of the deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the eighth (8th) business day after the day of your deposit. Depending on the reason for placing the hold on your deposit, part of the deposit or all of the deposit may be held. It is important to note that the Bank does not control the amount of time it may take for a check to clear nor does the Bank have any way to expedite this process. A hold may be placed on a check to allow sufficient time to ensure the check will not be returned. On April 3, 2017, an ATM deposit posted to your Business Basic Checking account for $18,089.43. During the processing of your deposit, a hold was placed. Because your deposit was made at an ATM, rather than in-person, we were unable to notify you of the hold at the time of your deposit. However, the Bank did issue a letter to you on April 3, 2017, to inform you of the hold, the reason for the hold, and when the deposited funds would become available. For your records and convenience, we have enclosed a copy of the letter. The Expedited Funds Availability Act allows the Bank to place a hold on deposits for several reasons. One of the reasons the Bank may place an extended hold on a deposit is when the deposited check(s) total more than $5,000.00 in one business day. As is indicated in the letter we sent, this is the reason for the hold placed on the ATM deposit received on April 3, 2017. I have also enclosed a copy of the Bank’s Rules and Regulations for your review and convenience. For more information about the Bank’s Funds Availability policy for business accounts, please refer specifically to page nineteen (19). For more information about an extended hold being placed on a deposited check, please refer specifically to page twenty (20). We regret any inconvenience this may have caused you. You are a valued customer of the Bank and it was not our intention to cause you any hardship. On April 10, 2017, your $14,689.21 payment to the [redacted]) was presented for payment. On April 11, 2017, your $14,689.21 payment to the [redacted] was returned because funds from your April 3 check deposit were not available. The Bank sent notification to you that the $14,689.21 payment to the [redacted] was returned on April 11, 2017. A copy of the letter we sent on April 11, 2017, is enclosed. Your account was not assessed any overdraft or returned item fees for the tax payment being returned. As is indicated in the letter dated April 3, 2017, if you did not receive the letter at the time you made the deposit and the check(s) deposited is paid, we will refund any Fifth Third Bank fees for overdrafts or returned checks that result solely from the additional delay we imposed by placing the hold. On April 10, 2017, you contacted Markita S., Financial Center Manager of our [redacted] Banking Center, regarding this matter. Ms. S. informed you that in order to have the hold on the funds released before April 12, 2017, the Bank would need something in writing from the paying bank verifying that the checks you deposited had cleared. You provided Ms. S. with a contact phone number for the paying bank. Ms. S. called the paying institution and was unable to verify the checks you deposited with them. The paying institution also would not provide anything in writing to verify their checks. Ms. S. called you back twice to inform you of this; however, she was unable to contact you or leave a voice mail message either time. The other employees you contacted regarding this matter also communicated to you why the hold was placed on the account, and explained that you should follow up with Ms. S. regarding this matter since she was attempting to assist you in your request to have the hold removed before April 12, 2017. Please accept my sincere apologies for the difficulties or misunderstanding you experienced when you previously contacted the Bank to resolve this matter. We strive to provide professional and accurate service to our customers and we regret if this has not been your experience. Because the hold on the funds you deposited was placed in accordance with Federal Guidelines and the Bank’s Rules and Regulations, any fee(s) that you were assessed by the [redacted] will not be reimbursed to you by the Bank. We regret if this causes you any frustration. [redacted], thank you for your patience while waiting for a response. We truly value your business, and we look forward to continuing our banking relationship with you. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####. Sincerely, Adam P.Office of the President PC: Revdex.com [redacted] [redacted] Enclosures (3): Hold, Notice, April 3, 2017 Rules and Regulations Return Item Notice, April 11, 2017

Just as you stand by your response to my concern, so do I. I just want to reiterate that the issue was resolved by my own efforts - there was no support from your end.
Thanks,
[redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

[redacted]
[redacted]
[redacted]
Fifth Third
Bank
5050 Kingsley
Drive
MD 1MOCOP
Cincinnati, OH
45263
                                        ...⇄ March
23, 2016
Dear April Q.:
We have
received a copy of your letter dated March 15, 2016 in addition your attachment’s.
We appreciate the time you have taken to respond to some of our requests.
We would like to
redirect your attention to our prior letter, in which your recent letter
deflects many of our questions and concerns. Fifth Third appears to be dancing
around our evidence and submitting us a template apology letter. Please stop.
We have taken the opportunity to bold type all ignored questions.
We reference
you to Exhibit A, a letter from you
dated January 22, 2016 that states we would have a response mailed to us within
fifteen (15) to twenty-five (25) days. Please note that your response was
received to our PO Box on February 21, 2016 which is in excess of the time
frame noted in your letter.
(Please comment to why Fifth Third Bank
is not held to the same standards of timeliness?)   Thank you for your review of the United States
Postal Service Receipts that we supplied to you. We have to pay additional
monies in order to insure us the security that our payments are being received
when they are delivered. You state in your letter that the receipts provided
list expected delivery dates, which are not guaranteed. Finding it odd for
the Federal Government to offer a two-day (2) mailing service and charge the
consumer for something that is not guaranteed we took it upon ourselves to
further investigate. We bring your attention to Exhibit B. We spoke with the post master of the [redacted] post
office, which is a branch of the United States Postal Service. We were provided
and advised that all bar codes that are on the receipts, in which we supplied
to you are scanned and signed for, just like shown in the exhibit. Fifth Third has the abilities to go on line
under the USPS tracking and pull up all tracking to show when you
received our payments vs.
how long it took Fifth Third to cash check. Prove to us that the check was received by your branch on the 31st
day.
We also formally request copies
of the voicemail loggers that you note in your letter requesting pull dates to
be changed, and a copy of the voicemail logger from July 2015 when we called
requesting Fifth Third to review our escrow account. As well as the
conversation that [redacted] had in June 2014 with your representative that
agreed the two 2014 31 day late was in fact bank error not our and would have
removed. These
loggers were also requested via your voicemail on March 24, 20216 at 12:30 pm.
Please also review your
own escrow statement WE ARE NOT INSURED with Tri State since July of 2015 we
are insured with [redacted]. Your paperwork is extremely sloppy, as was the
handling of our escrow.
Thank you for
reviewing our payment history and believing that there was no bank error, but we
are forced by evidence to disagree. It is not our error for the poor management
by the bank in how long it takes for your employees to process our payment. It
is odd that in review of your letter dated February 11, 2016 all the alleged
“30 day” late payments are literally alleged at (1) one day late. This brings
us back to our first paragraph in this letter. (Please address) -Which then
brings us to our monthly increase of ($400) four hundred dollars a month due to
“low escrow”, and the added stress due to poor management of our account. Which
leads to ask the question on how Fifth Third determines a payment is “late”. Is
it determined by receipt of the check by Fifth Third bank? or is it determined
by when the check is cashed? Either way I would like documentation to that
effect so going forward there is no confusion.
[redacted]We are requesting
again proof to when you were in receipt of our checks from 2014/2015 and how
long it took your company to process those checks to make the 31st
exactly. Prove to us when your office received. Your alleged stamp dated check
that you have provided, cannot been seen in what you supplied – and is not
proof to how long it took your organization to post those checks once it reach
your bank.
On January 26,
2016 your Escrow Department updated our escrow portion of the monthly payment
to reflect the insurance premium. Because of this, effective February 1, 2016
we received a new mortgage payment of $3124.01. This request for an Escrow
review, was made via telephone to Fifth Third Bank back in July 2015. At that
time we advised the Fifth Third representative of our new Home Owners carrier,
[redacted], along with the reduction of premium. Our request went unacknowledged.
  
Fifth Third
Bank, alleges that upon review of our escrow account, you then issued a Home
Owners payment to [redacted] on August 3, 2015 in the amount of
$2097.00. and was returned by [redacted] to Fifth Third on August
27,2015, due to the Fifth Third Bank error. Fifth Third Bank then on September
18, 2015 decided to review our request for the escrow account to be reanalyzed
and determined a reanalysis was not require. This does prove that Fifth Third
received our request in July 2015 but took (2) two months for Fifth Third Bank
to complete. [redacted](Please address 3/16)
Please refer to
Exhibit C (2) two letters dated
January 26,2016 from Fifth Third Bank. These letters state “we have corrected the amount of your monthly
payment”. Fifth Third Bank admits to bank error once again. [redacted](Please address 3/16)
We spoke on
February 22, 2016 and we advised you that on our Mortgage Loan Statement dated
2/11/2016 for our March 2016 statement there was a charge for a past due
payment of $6.13. (Your response in your
March 2016 letter does not address why this $6.13 was not shown or documented
in your prior letters what took 2 months for this to show up on a bill) Please
refer to Exhibit D. As such our January
11, 2016 statement did not note this “past due payment”? Also our conversation
with you in January 2016 you advised that our account was current. Also our
February 8, 2016 payment was cashed on February 12, 2016 which is prior to the
(15) Fifteenth of the month. So why would this “past due payment” be reflected
in March but not February? Another Fifth Third Bank error? 
On behalf of my
husband [redacted] and I we are unable
to accept apologies from Fifth Third
Bank due to their poor handling of our mortgage account. We have owned (3)
three homes and (2) two currently and have never incurred these issues over the
past (18) eighteen years. Should Fifth Third wish to do the right thing and
provide quality customer service to us as the consumer we are willing to work
with you. Based on the errors noted above we are again requesting Fifth Third
to remove these alleged (1) one day past (30) thirty day late off our credit
report. Please refer to Exhibit F.
As you can see by our credit report we have been perfect for years, only issue
being Fifth Third Bank. We are aware of the over (10,300) ten
thousand three hundred complaints to the Revdex.com and multiple
Class Action law suits against Fifth Third Bank, so we are not the only ones
with issues.
If Fifth Third is
unwilling to work with us to address these concerns, we will continue to work
on this to restore our perfect credit. We
will not stop or just go away, and allow ourselves to be bullied. There are
plenty of other banks around. Then once we get our perfect credit that has been
tarnished by the likes of Fifth Third corrected we will re finance with another
mortgage company – that works with their customers and their customers’ needs
instead of attempting to scar their customers with unfair practices. 
We are also putting Fifth
Third on formal notice that after 12 months – per your letter, effective
February 2017 we will be pulling our escrow account from your bank. If this is
not allowed at that time we will take further action.
It is obvious that Fifth Third
Bank does not respect us as customers and does not want as customers. We will
get our credit cleared with or without your assistance, and if it is without
your assistance we will re finance with another carrier even if it means for a higher
interest rate. Word of mouth is the best advertising or the worst. Please stop
with your form letters of empty apologies.
We formally
request that your revisit your prior letter and provide us with the customer
service that we deserve. Thank you for your time and attention to this matter.
Sincerely,
[redacted]
Pc: RevDex.com