Fifth Third Bank

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 spoke with the agent yet again today. They have faced again the policy delectation and the letter. The letter states that there was a computer error and the policy was in fact effective in March not May! 
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.   
53 Bank are a bunch of crooks, had me pay the application fee after reviewing all of my documents and someone should have seen what they call is false information!  I cannot wait for the day I am able to refinance my mortgage with another lender and not paying these crooks a single penny ever again! With that being said it took me countless emails and phone calls and a complaint to the Revdex.com in order to receive and answer from 53 Bank! Frank told me inconsistent variables was the reason of denial then he told me it was due to my income and now I am being told because of my taxes, bunch of crooks! Just like the $18 million settlement 53 Bank had last year regarding discrimination I will not be surprised if it was to happen again due to discrimination against blacks and Hispanics charging them higher interest rates on auto loans! Not only that but the other settlement of $85 million dollars regarding claims under the False Claims Act (FCA) also known as the [redacted] Law relating to loans insured by FHA which also was last year. Stealing a customers hard earned money that can be used to provide for his family is not only wrong but unethical, I understand the bank has to make up the nearly $103 million dollars it had to pay last year in settlement.
Regards,
[redacted] P.S. I just responded to their response but I need to add additional information to my response, they have failed to attached the so called, Prepayment of Settle Costs Policy document with my signature on it.

We believe we have addressed the customer’s concerns in our prior responses. He has provided no new information in his complaint. We will not be sending another written response, unless the customer can provide new details to his complaint. Thank you.  Pat S.Senior Consumer Resolution SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### Fax: ###-###-####Email:  [redacted]

[redacted]Date:        June
1, 2015Account: [redacted]Regarding Your Equity FlexLine AccountDear [redacted]:We received a copy of the complaints you sent to the RevDex.com and the Consumer FinancialProtection...

Bureau regarding your Equity
FlexLine. 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.On
behalf of the Bank, please accept my sincere apologies for any inconvenience
this matter may have caused you. Please be assured that we have researched this
matter thoroughly, and passed on your concern 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 completed our review of the Equity FlexLine account ending in [redacted]. On May 22, 2015, a payoff was
provided to you in the amount of $1.49. Please be advised a payoff is only
valid for the same day it is given. On Saturday, May 23, 2015, we received your
payment in the amount of $1.49. The payoff quote provided to you that day was
$51.49 because of the annual fee that was assessed to the account on the same
business day, Monday, May 25, 2015. I am sorry for any misinformation you may
have received.It was certainly not
our intention to cause you any frustration. Because you are requesting to close
the Equity FlexLine we are able to waive the annual charge as a courtesy to
you. If you would like to close your FlexLine account, please send a signed
written request to the following address:Fifth Third BankOffice of the President Attn: [redacted]Alternatively, you may fax this request to my attention at
###-###-####. Once I receive the signed request, I will forward the document to
the appropriate department for processing.Thank you for your patience
while we researched this matter for you. If I could be of further assistance to
you, please contact me directly at ###-###-####, or toll free at ###-###-####.[redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.comConsumer Financial Protection Bureau

[redacted] Date: April 20, 2016 Account: [redacted] Regarding Your Mortgage Account Dear [redacted]: Thank you for contacting the Bank, regarding your Fifth Third Bank mortgage loan. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. If a payment does not post by the due date it is considered delinquent and is subject to collection activity. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8:00 AM until 9:00 PM, including holidays. Several calls may be placed each day in an effort to obtain a payment or to arrange suitable payment arrangements. When making telephone calls our Collection Representatives will strive to resolve the issue in as timely a manner as possible in order to provide professional and accurate assistance. Our records show that the collection calls stopped once the payoff of $70,291.50 posted to your mortgage loan on February 26, 2016. According to the terms of the Note you signed on December 27, 2001, payments for your mortgage loan ending in [redacted] are due on the 1st of each month. Your Note also describes the terms of the grace period, which specifies that Fifth Third must receive your payment by the end of fifteen (15) calendar days after the payment is due to avoid a late charge. As stated in the response sent to you on March 30, 2016, you were still contractually obligated to make the monthly mortgage loan payment as outlined in the Note until the mortgage loan payoff posted to your account on February 26, 2016. Although you provided a brief description of the employee you spoke to at the [redacted] Banking Center, we were still not able to substantiate your claim that you were instructed not to make your mortgage loan payments. Therefore, we must stand by our previous response. We cannot accommodate your request to correct prior negative reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We hope this correspondence will help you understand Fifth Third Bank’s position. 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, Elizabeth J.Office of the President

[redacted] Date: July 10, 2015 Account: [redacted] Regarding Your Revdex.com Complaint Dear [redacted]: Thank you for your follow-up correspondence to the Bank concerning your recent attempts to withdraw cash from an Automated Teller Machine (ATM). We appreciate the time you have taken to express further your concerns regarding this matter. On April 11, 2015, you contacted Fifth Third Bank and filed disputes for two ATM transactions. We began an investigation and on April 13, 2015, your checking account was given provisional credit, which totaled $80.00 while we researched your disputes. The provisional credit was available for use in your account while we conducted our investigation. As mentioned in our previous responses, our research determined that the balancing records of the related ATM terminal did not support the conclusion that the funds were not dispensed. The ATM in question balanced between April 10, 2015 and May 10, 2015. Due to this reason, the Bank denied your disputes and reversed the provisional credit of $80.00 from your checking account on May 19, 2015. In the interest of customer service, and to provide you a more favorable resolution, the Bank has adjusted our position on this matter. On July 10, 2015, a credit adjustment for $80.00 was processed into your checking account. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely,   Patrick S. Office of the President Enclosures: Prior Responses

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.   Oh, the account is at a zero balance now and the company has [redacted] or however she spells her name, to thank for horrible service that chases customers away. Don't think this is the end of this, the whole reason my account was still at a balance of over the $1,500 average - which I was the one who mentioned and not you, was because of my school direct deposit, which you otherwise would have billed my account a fee for, for not coming into a branch when you are all out of my area.., not to mention I even uploaded my account statement, as if you couldn't access it yourself, just to show the fact that it reads school direct deposit. You're all a bunch of theieving crooks, and shady tactics that goes around will come back to you and all who cheat, it's only a matter of time...my position will never change, and I will never do business with you all again, soon as my card is settled we're through. So you might as well take me off any lists from for advertisements. So, Revdex.com just note the many options you get to set up and account with a student waiver, fax a copy,or email, I've never set foot in a branch, yet they'd charge me now for something they gave more options than just the one now, and let's not forget, you too could also see the copy I uploaded where it clearly reflects a recent school deposit. Don't you all have a problem with that or at least the same question I have..hoe is that better business? The answer it isn't, except for when it is just in their own business interest to lie, cheat and steal. Which is why there are so many class actions suit by people like myself who are sick and tired of Ss like [redacted]! I never wanna hear from her or anyone else there. Just close out all of my accounts now. Checking & Savings. We are through now, except for more formal actions against such deceit!!!
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: November 21, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your...

checking account. 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. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the response conveyed to you in our previous letter dated October 28, 2016. I have enclosed a copy of this letter for your convenience. Our position on this matter has not changed. In response to your additional concerns about the deposit made into your new checking account ending in [redacted], our records show that your debit card ending in [redacted] was disconnected from your checking account ending in [redacted] and connected to your new account ending in [redacted] on September 19, 2016. The last deposit you made into your account ending in [redacted] was an ATM (Automated Teller Machine) deposit of $200.00 on October 12, 2016. On that day, your checking account ending in [redacted] had a negative beginning balance of ($1,418.60). Even if you had deposited the $200.00 into your account ending in [redacted], that deposit would not have been sufficient to bring the account to a positive balance. As of November 10, 2016, your checking account ending in [redacted] has a negative available balance of ($1,739.24). In order to make payment arrangements to bring your account to a positive balance, please contact our Deposit Overdraft Remediation Team at ###-###-####, Monday through Friday, 8 a.m. to 9 p.m., Saturday and Sunday, 8 a.m. to 5 p.m., ET. If your account remains overdrawn for fifty-five (55) days or more, we may charge off your account and report it to [redacted] for collection proceedings. You also mentioned that the charges assessed to your account were fraudulent. Our records show that you have not filed any transaction disputes since June 2016 when you disputed a transaction of $39.95 that was later credited to your account by the merchant. If you believe any other charges were fraudulent, please contact our Dispute Resolution Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. It was certainly not our intention to cause you any hardship. However, as we stated previously, we are unable to waive any additional fees per our bank policy. Thank you for your patience while we conducted our additional research. We truly value your business, 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 Enclosures: Previous Response Letter

[redacted] Date: March 24, 2015 Account:        [redacted] Re: Revdex.com Rebuttal Dear [redacted]: We received a copy of your rebuttal filed through the Revdex.com dated March 16, 2015, concerning the recent overdraft on your checking account. We appreciate the time you have taken to document your thoughts and concerns. The Bank's Digital Services User Agreement states that the Bank does not guarantee the accuracy of the information contained on the website. You agreed to the Terms and Conditions for Internet Banking and Online Bill Payment when you established online access of your account information through www.53.com. Information cannot always be updated to the website in real time. For example, fees posted to the account after business hours may not be reflected online until the next business day. I regret any inconvenience this may cause you. I have enclosed a copy of the Digital Services User Agreement for your review. Please note specifically the second full paragraph on page thirteen (13). [redacted], It is certainly not our intention to cause you any hardship. 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, [redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosure: Digital Services User Agreement

[redacted] 
[redacted] 
[redacted] Date: March 31, 2016 Account: [redacted] Regarding Your Access 360 Prepaid Debit Card Dear [redacted]: We received a copy of the letter you sent to the Revdex.com concerning your Access...

360 card. 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. The Access 360 Prepaid Debit Card has a monthly fee of $4.00 associated with it. This fee is waived for Fifth Third Bank checking account customers. This fee is also waived if $500.00 or more is deposited onto the card in any monthly period. According to our records, your Fifth Third Bank checking account was closed on February 2, 2016. Additionally, after the checking account was closed, we did not receive a deposit of $500.00 or more onto your Access 360 card. This is why the account was assessed the monthly service charge of $4.00. According to our records, we did not receive a previous request from you to close the account. This is why the account had not been previously closed, even though you had stopped using the card and there was a zero (0) balance on the card. In the interest of customer service, on March 24, 2016, I reversed the $4.00 monthly service charge on your Access 360 card. On March 29, 2016, I closed the account per your request. Also per your request for a telephone call once the fee had been reversed and the account had been closed, I called you on March 30, 2016, and left a voice mail message for you informing you that the account is now closed with a zero (0) balance owed. [redacted], we strive to provide professional and accurate service to our customers, and we regret if this has not been your experience. 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

[redacted] [redacted] [redacted] Date: May 9, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your checking account. We appreciate the time you have taken to express your concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Enclosed for your review is a copy of the Rules and Regulations applicable to your account. Pages eleven (11) through thirteen (13) explain how Fifth Third Bank processes transactions and overdrafts. Per the Rules and Regulations, transactions are processed in the following order: ** Add in credits and deposits per our Funds Availability Policy ** Deduct time stamped debits, such as Automated Teller Machine (ATM) withdrawals and debit card transactions, in the order they were authorized ** Deduct batch debits during overnight processing, such as checks, Automated Clearing House (ACH) items, and bill payments, in order of the largest amount to the smallest amount ** Deduct Bank fees and service charges The Rules and Regulations provide additional examples of the transaction types. The beginning balance in your checking account on May 2, 2017, was $260.04. Two (2) transactions totaling $356.04 posted to your account that day. Both transactions were bill payments, which are batch debits. Therefore, they were processed from the largest dollar amount to the smallest dollar amount per the Rules and Regulations. As a result, one (1) $37.00 overdraft fee for the $96.82 item posted to the account the next business day. The ending balance in your checking account on May 2, 2017, was negative ($96.00). On May 3, 2017, an $83.00 bill payment posted to your account in addition to the $37.00 overdraft fee from the previous day. The ending balance in your checking account on May 3, 2017, was negative ($216.00). We assessed a $37.00 overdraft fee the next business day. I confirmed that the transactions processed to your account in accordance with the Rules and Regulations. You mentioned that you did not sign up for Overdraft Protection. I verified that you do not have Overdraft Protection for your checking account. Overdraft Protection is a service offered by the Bank that links a checking, savings, credit card, or eligible loan to your checking account. In the event of an overdraft, the Bank will automatically transfer funds from the linked account to cover the end of day negative balance. There is a $12.00 fee per transfer. You must have sufficient funds in your Linked Account to cover the overdraft item(s) plus the $12.00 transfer fee. If you do not have sufficient funds, payments may be returned as a result. If there are insufficient funds available in your Linked Account to cover the full negative balance plus the $12.00 Overdraft Protection transfer fee, we will attempt to transfer enough to cover at least one (1) item plus the Overdraft Protection transfer fee amount - starting with the last debit considered in the Overdraft Calculation Order. Pages three (3) and fourteen (14) of the Rules and Regulations provide additional information about Overdraft Protection. What you are referencing that would prevent overdraft situations is Overdraft Coverage, which applies to one-time debit card transactions only. I verified that you are opted out of Overdraft Coverage. Overdraft Coverage allows a one-time debit card and/or ATM transaction to cause the account to become overdrawn if there are not enough funds available at the time of the transaction. Because you are opted out of Overdraft Coverage, the Bank will decline an ATM or one-time debit card transaction if there are insufficient funds at the time of the transaction. As a result, no fee will be assessed. Please be aware that declining Overdraft Coverage does not prevent batch debit items, such as ACH transactions, checks, and bill payments, from posting to your account. Opting out of Overdraft Coverage also does not apply to recurring debit card transactions. Additional information regarding Overdraft Coverage is listed on page thirteen (13) of the Rules and Regulations. We previously reversed one (1) $25.00 overdraft fee from the account on January 11, 2017, as a courtesy. In the interest of customer service, we waived an additional $37.00 overdraft fee on May 4, 2017. We are unable to waive additional overdraft fees at this time. I am sorry for any distress this may cause you. Of the two (2) $37.00 overdraft fees that were recently assessed, you have only paid for one (1) due to the additional fee waiver. You mentioned that you transferred money to the account to cover the transactions. A transfer or deposit to the account cannot prevent an already assessed overdraft fee if it is not completed by the cut-off time on the same business day by the transaction was presented for payment resulting in the overdraft. I confirmed that you transferred $100.00 to the checking account on May 4, 2017, the day after the account was overdrawn. The beginning balance in your account that day was negative ($216.00). The transfer increased the balance to negative ($116.00). The $37.00 overdraft fee from May 3, 2017, also posted that day, which decreased the balance to negative ($153.00). However, due to the $37.00 fee waiver, the balance increased back to negative ($116.00). As of May 4, 2017, the balance in your checking account is negative ($116.00). I attempted to contact you two (2) times on May 5, 2017, using the phone number you provided to the Revdex.com so that we could go over the account. Unfortunately, I received a message each time that stated the call could not be completed. If you would like to connect your savings account to the checking account for Overdraft Protection, please contact our Customer Service Department at ###-###-####. Customer service is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. 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: Rules and Regulations, Overdraft Notices (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. A couple things are wrong with this response. First off, and most glaringly, I was never informed of any account length restrictions, nor was that ever brought up as a possible explanation as to why my payments were being reversed. Second, I was explicitly told by the Fifth Third Bank's collection department that I owed over $1300 to bring my account to current. It wasn't until I called back later that I was told that I didn't actually owe that much to bring it current and only owed $889.58. When I spoke to a representative named [redacted] later about having my account backdated, I was told that indeed the collections department attempts to collect the NEXT months payment as well. It was never communicated to me that the $1300 some dollar amount told to me included the next month's payment as well. I was also threatened with having my car repossessed and told I wasn't permitted to make payments over the phone for a year. And again, never was the length of my account number brought up.Third, as I understand it, having my payment only backdated to Oct. 3 increased the amount of interest I am paying. This is completely unacceptable to me as the fault lies squarely on Fifth Third bank and their system being incapable of handling account numbers which they apparently didn't even know until my case came up, or at the very least, never informed me of or bothered to look into on the part of the many people I talked to in both collections and customer service.Fourth, I have now transferred my loan to another bank and the check has cleared with Fifth Third. Because of the backdating of my payment to Oct 3. as well as possibly some other unforeseen issue, the amount it is showing that I am negative (as in over paid on the account) is less then it should be. I have now been charged too much interest. In the letter I received, it claims that the interest was adjusted appropriately, yet the website does not indicate that they owe me the money back that they should.  Again, this is completely unacceptable to me, and it has now become a trend of abusing my account for all the interest and fees you can get, and abusing me over the phone which brings me to point 5.Fifth, when I contacted customer service YET AGAIN about my account, this time due to yet another bug on Fifth Third's website I was mistreated by a supervisor of the customer service department. Looking on the website, my account summary stated at the very top, in a highlighted row, "[redacted] CURRENT BALANCE ON 10/17/2014- 


$26,014.94



† [redacted]
" . This was after some transactions reversing the $15 late fee for my payment as Fifth Third seemingly acknowledged that it wasn't my fault I couldn't make a payment. Reading this line, and seeing a reversal of my earlier payment below, I became concerned that something else had now happened to THIS payment which was a [redacted] payment paid for in cash. The first person I spoke with told me that it was under review by the Vice President's office and that they would get back to me. I asked to be transferred to a supervisor as this wasn't acceptable since I was in the process of transferring my loan to another bank. The supervisor was repeating over and over again that the statement that my balance on 10/17/2014 wasn't $26,014.94 while I was trying to explain that I believed her, but the website was telling me a different number. She repeated that she was "sorry I felt it was displayed wrong", finally after making it abundantly clear that I was reading word for word off the screen, she said very condescendingly that she'd have someone "look into it". This isn't a matter of me thinking it's displayed wrong, the website is stating a completely false fact.Sixth, if Fifth Third Bank cannot process accounts with more than 16 digits over the phone, why would the Auto BillPayer be any different?I sincerely hope that I am an outlier and an exception here and this isn't a pattern of customer abuse by Fifth Third. I can understand some hesitation on customer service's part when I am claiming that it is an issue on their end that I can't pay my bill, but accusing me of lying and just not liking how the info is displayed on a website is insulting and wrong. Also now apparently withholding more interest than is due, is totally unacceptable to me. And your collections department did outright lie to me about how much money I owed to bring my account current when I was contacted by them on Oct. 8th.
Regards,
[redacted]

[redacted] Date: April 12, 2017 Account: [redacted] Regarding Your Platinum Credit Card Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com and the...

[redacted]) concerning your credit card. We appreciate the time you have taken to document your thoughts and concerns. On February 18, 2017, the Bank sent you an alert concerning potential suspicious activity with your credit card ending in [redacted]. Once you respond to the alert with “No, take action” confirming the transactions were not made by you, a second (2nd) notification should have been received advising you that the card has been blocked and prompting you to contact our Customer Service department immediately to review the account with a Fraud Specialist. On behalf of the Bank, please accept my sincere apology that you did not receive the second (2nd) notification. It was certainly not our intention to cause you any hardship. Your comments expressing less than quality service are very concerning and we regret the difficulties you experienced. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. 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. Per our conversation, as of April 1, 2017, you no longer have any open accounts with Fifth Third Bank. Thank you for your patience while we researched this matter for you. 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, Alison S.Office of the President Pc: Revdex.com; [redacted]

[redacted] Date: March 29, 2016 Account:       [redacted]Regarding Your Mortgage LoanDear [redacted]:We received a copy of the follow up letter you sent to the Revdex.com regarding your mortgage loan. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter.As stated in my previous response dated March 10, 2016, when a customer disagrees with the appraised value of the property during loan origination, there is a procedure in place at the Bank that allows a customer to request that a new appraisal is ordered; however, the process to dispute the appraised value must occur within a reasonable timeframe during the loan origination process. Unfortunately, the ability for you to dispute the appraised value of the property is now outside of that timeframe. In order to have disputed the appraised value of the property, you would have had to have done so during the time when the loan was being originated in September 2005. We do not have any record that you disputed the appraised value of the property at that time.According to our records, and as the documents you sent to us with your complaint indicate you are already aware, when you contacted the Bank concerning financial difficulties you were experiencing, the Bank agreed to modify the mortgage loan. The terms of the Bank’s offer to for modify the mortgage loan are contained in the documents that you sent to us. The Bank offered to modify the loan on August 18, 2012. Our records indicate that the loan modification offer was approved by the Bank and sent to you on August 22, 2012. The loan modification was declined by the Bank on October 9, 2012, because you stated that you did not wish to proceed with the loan modification at that time. The Bank is still within its rights to collect the balance owed on the loan. As stated in my previous response to you on February 24, 2016, the loan was charged off due to non-payment on December 28, 2012. The last payment received on the loan was on June 5, 2012. If you would like to make arrangements to repay the amount owed on the loan, please contact our Collections Department at ###-###-####, Monday through Friday, 8 a.m. to 5 p.m., ET.According to my research, the property went to tax sale. For information regarding the status of the tax sale of the property, you will need to contact the county auditor for [redacted] County. The Bank does not have any additional information to provide regarding the tax sale of the property because we did not initiate this action.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

Attached is a copy of our response to [redacted]ebuttal. December 17, 2014  [redacted]
[redacted]  Re: Account #xxxxxx[redacted] Dear [redacted],  We received a copy of your rebuttal to our previous letter to you, filed through the Revdex.com, concerning your installment loan account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter.  We make every effort to provide an exceptional experience to our customers, and I regret that this has not been your experience. Please be assured we have researched this matter fully, and passed your concerns to the appropriate parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. I have confirmed that our records reflect that your payment was backdated to September 2, 2014, and in doing so, the amount of interest due on the account was automatically adjusted. I apologize that I stated in my previous letter that the payment was backdated to October when it was actually backdated to September. As such, no further refund of interest is outstanding. Please note that Fifth Third Bank's installment loans are simple interest loans. This means that each day, the interest due on the current principal balance is calculated and that amount is added to the Interest Due.  As stated in my letter of November 10, 2014, the Collection Department representative did tell you on October 3, 2014, that $1,326.87 was due given that the account was showing as delinquent for September and October and was into a third billing cycle. However, the past due amount was $889.58, which represented the September and October payments, plus $15.00 for a late charge (2 X $437.29 + $15.00 = $889.58). In addition, as we discussed in our telephone conversation on December 3, 2014, Bank policy prohibits us from providing a recorded copy of the telephone conversation between you and the Collection representative.  The Bank researched the problem of its inability to process account numbers longer than sixteen (16) digits when you brought it to our attention. Thank you for helping us discover this issue within our system.  [redacted], I can assure you that it was not our intention to cause you any frustration. We regret that you have decided to close your account due to the level of customer service you received with your installment account. 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], or toll free at ###-###-####. Sincerely, [redacted]Consumer Resolution SpecialistOffice of the President Pc: Revdex.comCarolyn Grieme

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]
Sirs,Revdex.com.Dear Sirs, my name is [redacted] and my ID [redacted]. By this mean I am responding to your letter of March 29, 2016.It has been impossible for me to get an agreement with the Fifth Third Bank.The truth is I do not want to maintain these indefinite exchange of arguments that lead to no solution.I conclude that the bank does not want to take into consideration the current value of the property. Therefore, I want the bank to be very concrete and respond with absolute clarity to the following questions:1) How much is the amount of the debt right now?2) In what category is the property classified by the bank?3) Why is the property not repossessed by the bank if it considers that    the property is valued $45.000, and I have told them repeatedly     that I am not able to finish paying for it?4) Is it possible that the bank approves a loan without having a    a collateral?, and if the bank took my credit capacity as a collateral,    then what else does the bank want provided that my credit is    completely destroyed?, and has been for years.5) What is the next action the bank wants to take against me. It is    important that I know because things can not continue like this    forever, especially since there are taxes involved in this matter.Thank you very much for your attention.Sincerely,[redacted]

[redacted] 
Date: October 26, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your...

installment loan. We also received a copy of the complaint you submitted to the Federal Reserve Bank that was forwarded to the Consumer Financial Protection Bureau. 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 researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On August 4, 2016, you set up recurring transfers for your installment loan ending in [redacted] in the amount of $229.88 for the fourth (4th) of each month via Internet Banking at 53.com. The first (1st) transfer from your checking account posted to your installment loan on August 4, 2016. The next recurring transfer was scheduled for September 2, 2016, because September 4, 2016, fell on a Sunday. On September 2, 2016, you scheduled a transfer from your checking account to your installment loan in the amount of $1,359.81 to pay off your loan. You also attempted to cancel the recurring transfer of $229.88; however, the cancellation failed because the transfer was already in process. Since the cancellation failed, both transfers were completed on that day. The payment of $229.88 was not applied to your loan since we received the payoff payment of $1,359.81. The payment of $229.88 was considered an overpayment. Overpayments are typically held for ten (10) business days before being returned to the customer. The payoff payment of $1,359.81 was short by $4.43, so funds in the amount of $225.45 were credited to your checking account on September 13, 2016. Thank you for your patience while we conducted our research. 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 ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D. Office of the President Pc: Revdex.com, Consumer Financial Protection Bureau

Please see attached repsonse.  December 31, 2014[redacted]Re: Mortgage loan ending in [redacted]Dear [redacted],We received copies of your complaints filed with the Revdex.com and the Consumer Financial Protection Bureau. 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. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns.Investors such as the Federal Home Loan Mortgage Corporation (FHLMC), also known as Freddie Mac, own many of the mortgages that we originate. While Fifth Third Bank is considered the servicer for the loan, Freddie Mac establishes numerous guidelines beforehand that we are required to follow. This includes requiring Private Mortgage Insurance (PMI).PMI is paid by the borrower to protect the lender against loss on a defaulted loan. A customer can request to cancel their PMI at any time, however, that request may be declined due to guidelines set by the investor that must be satisfied. The loan-to-value ratio is not the only consideration. I regret the frustration caused when we could not satisfy your request to cancel PMI in October of 2014.The first PMI payment on a new mortgage is deferred and is paid when the PMI is cancelled. In addition, the first PMI payment is calculated from the closing date of the mortgage, not the first payment due date. PMI is paid in arrears meaning it pays the previous month, not the upcoming month.Your mortgage loan originated on January 21, 2014. Your first payment posted on February 28, 2014. The first payment toward PMI was $215.45 on March 5, 2014. So, the PMI paid on November 4, 2014, for $430.90 was two (2) PMI payments of $215.45 representing the months of January 2014 and October 2014.Your payoff of $412,474.37 was received October 30, 2014, and your loan was closed on that day. The payoff amount quoted October 9, 2014, included the funds needed to satisfy your escrow obligations. After a payoff amount is quoted, all payments from escrow are suspended in order to prevent changing the payoff amount. This is why the PMI payment could not be paid before the payoff posted. The last PMI insurance payment of $430.90 was properly disbursed on November 4, 2014. It is not an error that it was paid after your payoff was received.   I understand why you were frustrated when you called to confirm the funds to be refunded to you from your escrow account. The amount given to you was, as you know, before the last PMI payment. In an attempt to resolve your concern, the Customer Service agent you spoke with requested a stop payment on the escrow refund check $3,910.19 that had already been mailed to you. The agent’s intent was to have a “corrected” check sent to you that included the PMI disbursement.I apologize that the agent you spoke with did not correctly identify that the PMI payment had been held due to the payoff lock on the account and was properly paid once it was released. The supervisor that you previously worked with did complete her due diligence and had the calls reviewed and forwarded your feedback to the relevant parties.We are unable to return the last PMI payment to you. However, in order to more positively resolve this matter for you, I have enclosed a check for $10.00 to reimburse you for the returned deposit item fee you were charged when you tried to negotiate the first refund check.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. I hope this letter provides the clarification you requested. You were a valued customer and it was certainly not our intention to cause you any hardship or frustration. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####.Sincerely, [redacted]Regulatory Support Specialist Office of the PresidentPc: Revdex.com, Consumer Financial Protection Bureau Enclosure: Check

[redacted] Date:    July 15, 2015 Regarding Your Credit Bureau Inquiry Dear [redacted]: Thank you for contacting the Bank concerning the inquiry on your credit report. We appreciate the time you have taken to express your 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. We conducted a thorough review of the credit card application that resulted in a credit inquiry listed on your credit report. Our review determined that the inquiry made on June 17, 2015, should be removed. 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. I have shared the information you brought to our attention with the management of the Financial Center you visited. Additionally, our regional management regularly reviews customer feedback as part of our ongoing commitment to improving our operations. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. We have submitted an update to all of the credit bureaus to remove the credit inquiry. Enclosed are copies of the letters sent to the credit bureaus on your behalf. If you would like to contact the credit bureaus directly, contact information can be found below: •
[redacted] ###-###-#### • [redacted] ###-###-#### • [redacted] ###-###-#### • [redacted] ###-###-####   We strive to provide professional and accurate service to our customers and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely,Jennifer C. Office of the President Enclosure: Credit Bureau Letters

[redacted] [redacted] [redacted] Date: June 13, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your Essential...

Checking account. We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On June 2, 2016, the beginning balance in your checking account was $2.38. During overnight processing that evening, one (1) electronic payment for $19.00 to [redacted] posted to your account resulting in a negative balance for that day’s transaction processing of ($16.62). Due to insufficient funds in the account, the account was assessed one (1) overdraft fee totaling $37.00, which posted to the account the following day. I have enclosed a copy of the Overdraft Notice that was sent on June 3, 2016. In your complaint you expressed concern over the visibility of transactions affecting your balance during the day. Debit card and ATM transactions will show as pending against your available balance during the day because they are pre-authorized time-stamped debits. Checks and electronic payments (ACH payments) are batched payments and are collected from payees at the end of the business day for overnight processing. Because these items are processed overnight, they will not show as pending during the day. All transactions will post to your account during overnight processing in the following order and will be visible the next business day: ** Credits and deposits made prior to end of day cutoff ** Debit card and ATM transactions in the order they were authorized ** Checks and electronic payments in the order of highest to lowest amount ** Fees and service charges Therefore, when you checked your balance at the ATM on June 3, 2016 at 1:41 AM the PayPal transaction for $19.00 you authorized on June 2, 2016, was being processed and would not have shown as pending. This payment was processed overnight and posted to your account for the June 2, 2016, business day. I apologize for any inconvenience this mater may have caused you, but the customer is in the best position to account for all transactions in their account to prevent an overdraft occurrence. Although your Relationship savings account ending in 7520 is currently linked to your checking account for Overdraft Protection, there were insufficient funds in the savings account when the checking became overdrawn, to cover the checking account overdraft on June 2, 2016. According to our records, you have chosen to opt out of Overdraft Coverage. Because of this, the Bank will not pay overdrafts on your account for ATM transactions and everyday debit card transactions. However, Overdraft Coverage for checks and other transactions made by using your checking account number, and Overdraft Coverage for Automatic Bill Payments comes standard with your checking account. What this means is that, when these items are presented for payment to your account, overdraft fees still apply to these transactions. The transaction that overdrew your account on June 2, 2016, was an ACH transaction made by using your checking account number. It was neither an ATM transaction nor a debit card transaction. For this reason, the transaction resulted in an account overdraft and corresponding overdraft fee. We regret any inconvenience or frustration this may have caused you. Please be aware that it is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. Pursuant to your previous fee waiver requests, we have reversed $74.00 in overdraft fees over the past twelve (12) months, as a courtesy to you. As such, additional courtesy overdraft fee reversals are not warranted at this time. 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 Enclosure: Overdraft Notice