Fifth Third Bank

[redacted]                  Date:          April 8, 2015 Account:        ...

[redacted]Re:  Installment LoanDear [redacted]:We received a copy of the complaint you recently filed with the Revdex.com concerning your Fifth Third Bank installment loan account. We appreciate the time you have taken to document your thoughts and concerns.We strive to provide professional and accurate service to our customers and I am sorry if that has not been your experience.  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.  Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns.Your installment loan is considered past due for payment if we do not receive your total monthly payment by the due date indicated on your contract, the seventeenth (17th) of the month.  The final calendar day of your grace period for the loan is not considered the due date for your payment obligations. The grace period indicates when a late charge will actually be assessed to your account for a past due payment.  There is a ten (10) day grace period on the account, with a late charge assessed if the payment is not received prior to the end of the grace period.  Should your loan become past due, your account may also be subject to derogatory credit bureau reporting and we may attempt to repossess your vehicle. Our Collection Department will attempt to reach you via the telephone numbers we have on file for you to inform you of the delinquency and to make payment arrangements.In researching your concerns, we found that on January 3, 2015, you signed a contract with the Bank for a term of sixty-three (63) months with payments to begin on February 17, 2015.  As of April 7, 2015, we have not received any payments on the account and, as a consequence, two (2) late charges of $15.00 each have been assessed to the account.  We are not willing to reverse the late charges.  Additionally, your credit report has been affected negatively.    Our records reflect that a Payoff Statement was faxed to ###-###-####, attention Alicia, on March 16, 2015.  A copy of the Payoff Statement was mailed to you at the above address on the same date.  Please note that it would be your responsibility to refinance your vehicle with another lending institution and not the Bank’s responsibility. Enclosed, please find another copy of the Payoff Statement for your files.  In addition, we mailed a letter to you on February 21, 2015, that advised that you would be able to make payments over the telephone by contacting our Collection Department at ###-###-####.  I have enclosed a copy of that letter for your files.  On April 6, 2015, a book of payment coupons was ordered and will be mailed to you, which will allow you to make payments on the account via the mail.A convenient option available to you that will assist in making sure your payments are applied to your installment loan account in a timely manner is Auto BillPayer.  When you use the Auto BillPayer system, you decide what day you want the payment posted to your installment loan account and Auto BillPayer will automatically withdraw the funds from your checking account, even if it is not a Fifth Third Bank checking account, and post it to your installment loan account.  There is no charge for this service.  If you have an interest, you may contact Auto BillPayer at ###-###-#### for additional information about the service or to sign up for it.You are a valued customer and I appreciate this opportunity to address your concerns.  As outlined above, there are multiple ways of making a payment on your installment loan account without doing so online. 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 ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Office of the PresidentPc: Revdex.comEnclosure: (2)

February 12, 2015 [redacted] Re: Mortgage Loan Application Dear [redacted]: We received a copy of your complaint filed with the Revdex.com concerning your recent mortgage loan application. We...

appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the level of service you received during this process. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your letter, I forwarded your concerns to the relevant parties in our Mortgage Loan Origination Department who thoroughly researched 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. To maintain the security of your account, I am sending this letter to the address we currently have on record for you. I noticed that the address you use in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your correspondence. I encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updated. The Customer Service Department can be reached at [redacted]. I can be reached at the telephone number listed below. According to our records on October 14, 2014, we received your application for a[redacted] (**) year mortgage loan of $[redacted]. The [redacted] ([redacted]) was generated and sent to you within three (3) business days of application. The [redacted] gives you an estimate of your settlement charges and loan terms. This estimate included the cost of an investment property appraisal. Final terms of the mortgage loan are contingent upon our confirmation of the factors and conditions you submitted with your application. The [redacted] was re-disclosed because the appraisal did not confirm your original estimate of the value of the property. The loan to value ratio of the loan went from**% to**%. This change caused a change in the loan pricing. Enclosed is a copy of that appraisal for your records. It was certainly not our intention to cause you any inconvenience or frustration during this process. Unfortunately, we are unable to refund you for the appraisal or any other non-refundable and agreed upon fees you paid during the application process. If you wish to inquire or apply for a mortgage loan with us again in the future, you have several options available including on the internet at 53.com, visiting your local Fifth Third Bank financial center, or by calling our Direct Lending Group at [redacted]. Fifth Third Bank, Member FDIC. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Ms. [redacted], we hope this information addresses your concerns and we sincerely hope that you will reconsider Fifth Third Bank for your financial needs in the future. If I could be of further assistance to you, please call me at [redacted] or toll free at [redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the President

[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

[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.]
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.  Thanks a lot for the prompt resolution.
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]

Hi [redacted], I received the message that the customer stated that this does not resolve her complaint. I am not sure if she is referring to the call I made to her on 1/19, but on that day I called to let her know that we received her complaint and would be researching her concerns. I told her we would be responding in writing. She thanked me for my call, and that was the end of it. I believe we have responded appropriately to the customer’s complaint will not be opening a new issue. Please let me know if you will be closing the complaint. Thanks, Elizabeth D. | Fifth Third BankPhone ###-###-#### Fax ###-###-#### Email [redacted]

Good Morning Tina, The Bank is not submitting additional response to this customer’s complaint, complaint ID [redacted]. Our previous responses have not changed and the customer has not presented any new information.  Thank you, Shawna H.Customer Care Team Specialist IIFifth Third Bank | Office of the President5050 Kingsley Dr.MD 1MOCOP

October 6, 2014 [redacted] 
[redacted] Re: Chec[redacted] account ending in[redacted] Dear Mr. [redacted], We received a copy of the complaint you recently filed with the Consumer Financial Protection Bureau, the Revdex.com, and your...

local television station. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. We strive to provide quality service to all of our customers, and I am sorry for your recent experience ma[redacted] a cash deposit. You allege that on September 22, 2014, you deposited $[redacted] in cash, but only $[redacted] posted to your account. We have completed our internal investigation and audit of the [redacted] Financial Center. We have not found any evidence of misconduct or error. However, we do wish to positively resolve this situation for you. A check for $[redacted] is being sent separately from this letter to the above address. Your chec[redacted] and savings accounts were both closed on September 25, 2014, at a zero balance. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. If I could be of further assistance to you please call me at [redacted] 
[redacted] Sincerely, [redacted] Regulatory Support Specialist Office of the President Pc: Consumer Financial Protection Bureau, Revdex.com

[redacted] [redacted] [redacted] Date: October 4, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you submitted 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 this matter may have caused you. After a thorough review, we submitted an update all four (4) credit reporting agencies to remove the delinquency that was reported for July 2016. Please allow thirty (30) days for the credit reporting agencies to update their reporting. If you would like to contact the credit reporting agencies directly, their contact information is listed below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### Thank you for your patience while we conducted our research. You are a valued customer, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] Date: July 15, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: Thank you for contacting the Revdex.com concerning your installment loan with Fifth Third Bank. We appreciate the time you have taken to express your...

concerns regarding this matter. The loan you have with Fifth Third Bank was funded for $32,744.50. On June 8, 2015 there was a payment that was posted to your account in error for $396.84. The item presented on that day had your installment loan number notated on the face of the item. On June 15, 2015, the error was corrected and the item debited from your loan. On June 15, 2015, a payoff quote was issued for $32,486.97. Due to processing, the payoff included the item that was posted in error. At the time the payoff quote was given, there had been no payments by you for the loan. We received a payment of $497.98 on June 23, 2015 and posted the item to your account. On June 23, 2015 we also received a check for $32,028.99 and posted it to your account. At the close of business on June 23, 2015, the outstanding balance on your account was $375.78. That total represents the balance left payable by you on your installment loan. Once a final payment is made to this installment loan for the outstanding balance, which as of July 9, 2015 is $376.30 with a $.03 per diem, Fifth Third will be able to release the lien on the title. We apologize for the error that was made in the processing of an item on your account. Had we posted a check from you to an incorrect account we would have corrected the issue for you just as we did for the customer who notated your account number in error. You stated in your complaint you had a copy of the item that never cleared your account. If you are able to send me verification of an additional processed check other than the one mentioned that posted on June 23, 2015, please forward a copy of the item to me and I will work with you to correct the error. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Beth H. 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. 
Regards,
[redacted]  Fifth Third Bank...Violated State and Local Laws regarding my vehicle. You closed this case and there are still outstanding issues. We checked this file over the weekend and it stated that you were still waiting for a reply. So how can you close this case. It is not resolved, and the issue is still outstanding.!!!!!!!! Please see letter sent the [redacted] regarding Fifth Third Bank.  December 26, 2015 Fifth Third Bank Elizabeth D. 5050 Kingsley Drive Cincinnati, OH 42263 Dear Elizabeth, We strongly disagree with the information in your letter dated December 18, 2015 for the following reasons: - The car is registered in the state of ** and has been since we financed the car with Fifth Third Bank in **. By repossessing the vehicle without notice you violated [redacted] Law: o First, if your lender has accepted late payments, it cannot repossess the car until the loan is again in default. And the lender has to give you notice, usually in the form of letter, that it will not accept further late payments. In [redacted], this is called a [redacted] letter. If your lender has accepted repeated late payments and then seizes your car without sending you a [redacted] letter, it has wrongfully repossessed your car. - When I paid the balance at your branch we were told that there would not be a hold on the check and that it would clear that night. As a matter of fact the check cleared that night at 12:01a.m., December 2, 2015. However after the check cleared you still sent my car off to auction on December 4, 2015. And damaged it during the process. - Your organization violated the Bankruptcy Laws regarding the reaffirmation agreement. [redacted] provided proof that your organization was sent the reaffirmation document that I signed. The bankruptcy was discharged on July27, 2015, and you could have contacted me. - You hired a company to repossess the vehicle, and they damaged it during the process. You authorized the company to send my car to auction on 12/4/2015, the second move, when the funds cleared your bank on 12/2/2015. Your organization acted irresponsible and we hold you responsible for all the damage and lost items. The car is unsafe to drive due to the damages, and you have created a hardship. We have been advised to seek civil action against Fifth Third Bank, and file a complaint with ** Attorney General because you violated the state laws regarding repossession. We will see you in court. Sincerely, [redacted] Cc: [redacted], [redacted], ** Attorney GeneralTimeline History

[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.]
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.  
[AS I stated I was told my loan due date was he 28th and even if the paperwork states something different I spoke with two representatives on two separate occasions about making my payment due on the 28th, which that being the case I have never been 15 days beyond the 28th of the month with any of my payments.  my payments are made by my bank and I can show my payments are made on the 28th.  They maybe be a day or so in posting to my account but never 15 days beyond the due date.]
Regards,
[redacted]

[redacted] Date: January 10, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received copies of the complaints you filed with the Revdex.com and the Consumer...

Financial Protection Bureau. Please be assured that Fifth Third Bank takes your feedback seriously and I appreciate this opportunity to respond to your concerns. Each year, we review your escrow account to make sure the escrow portion of your monthly mortgage payment covers your property taxes and insurance. Federal Law allows for the collection of a reserve amount to maintain a cushion for unexpected tax and/or insurance increases. Its required balance cannot fall below the sum of two (2) months of projected Escrow Account payments at any point during the year. The lowest projected balance in the escrow account is compared to the lowest required balance. If the projected balance is greater than the required balance, a surplus can be returned to the customer. Otherwise, there is a shortage and the annual escrow analysis statement gives the customer options on how to pay the shortage. At Fifth Third Bank, we are committed to doing what is right for our customers and although we strive for excellence, mistakes sometimes happen. An internal processing error caused a refund check to be issued to you from your escrow account, when no refund was due. In the process of transferring the force placed homeowner’s insurance policy from one vendor to another, a credit of $1,486.00 for the [redacted] homeowners insurance premium posted to the escrow account on October 7, 2016. When the regularly scheduled escrow analysis was done on November 23, 2016, the system saw the $1,486.00 as a credit to the escrow account instead of an internal bookkeeping entry and completed the 2017 escrow projection with the amount included. This resulted in a surplus of $691.27. The Bank identified the error and the check issued on November 23, 2016, was cancelled, and the funds were returned to the escrow account on November 30, 2016. I sincerely apologize for your frustration and concern regarding the conflicting information you received about this item. I have enclosed copies of the analysis dated November 23, 2016, and the corrected escrow analysis statement dated November 30, 2016, which replaced it. You will notice the Beginning Balance for the 2017 Projections on page two (2) of both documents shows the correction. On the November 23rd document, the beginning balance in the escrow account is listed as $2,808.72. On the corrected November 30th document, the Beginning Balance in the escrow account is $1,322.72. On the November 30th analysis, the lowest projected balance in the escrow account was less than the lowest required balance, so there was a shortage of $794.73. The calculations are on page three (3) of this analysis. The shortage was spread over twelve (12) months. Your monthly payment amount decreased from $1,612.29 to $1,506.18 effective with the payment due January 1, 2017. That payment has already been drafted via our Auto BillPayer service. I have also enclosed the payment history you requested. On behalf of the Bank, please accept my sincere apologies for the inconvenience and frustration this matter caused you. You are a valued customer and we look forward to continuing our relationship with 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, Alison S.Office of the President Pc: Revdex.com; Consumer Financial Protection Bureau Enclosures

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 was never informed about being kicked out of the program.  You claim I said not to call me, that is untrue,  I asked you not call my home number but my cell phone.  [redacted].   Numerous late fees without being informed that I was no longer in the program is not fair.  I was never sent anything that stated I was being kicked out of the program.  I only was informed after 3 months when I noticed my balance not going down.  Even if I can't continue with the program I would like to be refunded for the unfair late fees.
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.  We accept the offer, but the bank told me they were sending the check last week, but no check has arrived yet.
Regards,
[redacted]

[redacted] Date: February 15, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com. I also...

appreciated the recent opportunity to speak with you regarding your mortgage loan. You are a valued customer and I appreciate this opportunity to address your concerns. Per our telephone conversation, the Bank needed a copy of the Certificate of Insurance from your Condo Association in order to update your required insurance coverage amount. This request is being made to comply with newer investor guidelines. I did receive the copy of the Condo Association policy you mailed and our system records have been updated to decrease the required amount of homeowner’s insurance coverage to $299,000.00. While this is not as low as the previously required amount of $283,000.00, I hope that this provides a more positive resolution to your concerns. Please present this letter to your insurance agent to reduce the amount of homeowner’s insurance coverage you recently obtained. It is not our intention to cause you any hardship and I apologize for the inconvenience this matter has caused you. Please know that our executive management regularly reviews customer feedback as part of our commitment to improving our operations. 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

[redacted] Date: December 5, 2016 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 opportunity to further address your concerns. On behalf of the Bank, I apologize for the frustration this situation has caused you. However, we stand by our previous correspondence dated November 21, 2016, regarding the insurance payments to your loan. Our position on this matter has not changed. For your reference, I have enclosed a copy of our previous correspondence. Your loan contract states that insurance payments for the account will be used to reduce the balance owed, not that they will be used to cover the monthly payments required per the contract. Fifth Third Bank complies with the Fair Credit Reporting Act (FCRA), which requires that we report accurate account information. Payments received more than thirty (30) days after the due date are reported as late regardless of the delinquent amount. You mentioned a phone call you had with a supervisor in our Collection Department. I am very sorry for the negative experience you had during the phone call. The information you provided has been forwarded to the relevant Bank personnel for review. However, I cannot inform you of specific internal corrective actions that may be taken to resolve this matter. We strive to provide best in class service, and I am sorry that was not your experience. 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 Enclosure: Previous Correspondence

September 25,
2014
[redacted]
Chicago, IL 60615
Re: Mortgage Loan
Application [redacted]4670
Dear Ms. [redacted],
We received a copy of the complaint you
submitted to the Revdex.com regarding your recent application for...

a
Fifth Third Bank 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 the difficulties you have experienced
with your mortgage loan application. Please be assured that we have researched
this matter thoroughly, 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.
On June 6, 2014,
we received your application for an [redacted] mortgage loan of $[redacted] loans
require a down payment of [redacted]%. It is not a requirement of the mortgage to open
an account with Fifth Third Bank and deposit [redacted]% of the cost of the home,
as a condition for approval. The account that was established for Fifth Third
was to receive the pricing discount (inclusive of using Billpayer for the
mortgage payment) which is reflected on your Mortgage Loan Pricing Agreement.
It was certainly not our
intention to cause you any hardship, and we truly regret any misunderstandings
that may have occurred after your loan was conditionally approved. In the
interest of customer service, we are refunding your application fee, extension
fee, and earnest money totaling $[redacted]. Please find the enclosed check of
this amount.
You also mentioned that the utilities and title
to the property are in your name. Please be aware that you cannot be placed on
the title until the loan closes and funds for the purchase of the property are
exchanged. You may address any concerns regarding the title and utilities with
your attorney.
Ms. [redacted], I am sorry that we were unable to act
favorably on your application, and we appreciate your patience while we
researched this matter for you. 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 Enclosure (1): Check

Revdex.com Im responding yet again to correct the mistake that this company continues to make even though I have corrected them in each and every complaint.  The declaration page they are requesting from [redacted] should only be regarding the months of March2016-May2016. [redacted] was not our carrier in December 2015-February 2016. We agreed that they we did not have coverage those 3  months and Fifth Third Bank charged us for insurance of those dates AFTER those dates had already passed.  The issues with those particular dates is that Fifth Third Bank said since they charged us in May 2015 for the dates of December 2015-February 2016 they would retroactively pay a claim if there was damage to our vehicle.  That is false. I tried filing a claim for damage done to our car in Janurary in the amount of $3,000 and they refused to file the claim stating the dates had already passed. That is our issue with those dates. We were only asking for refund of March2016-May2016 due to the fact we had full coverage through [redacted]. [redacted] at [redacted] has stated she has done everything they have asked of her multiple times! The only reason I can think that Fifth Third is rejecting it is due to their dates not being correct and you can see in past answers I have stated this MULTIPLE times!
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