Fifth Third Bank

[redacted] Date: July 27, 2016 Account: [redacted] Regarding Your Standard Platinum [redacted] Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

your Standard Platinum [redacted]. 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 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 July 11, 2016, your Standard Platinum [redacted] ending in [redacted] was due for a minimum payment of $35.00. When we did not receive your payment by the due date, our Collection Department began making calls to you to inform you of the past due payment. When you spoke with our Collection Department on July 19, 2016, eight (8) days had passed since your due date. However, as the agent informed you, our collections system showed your account as thirty-five (35) days past due. The number of days of delinquency showing in our collection system is based on the cycle date of your account, which is the date on which your statement period ends and a statement is issued. The cycle date for your account is the fourteenth (14th) of each month. On June 14, 2016, your statement period ended, and a statement was issued reflecting a minimum payment of $35.00 due on July 11, 2016. When your next account cycle ended on July 14, 2016, your next minimum payment due on August 11, 2016, was $70.00, which included the past due payment of $35.00. On July 19, 2016, thirty-five (35) days had passed since the statement billing you for the payment due on July 11, 2016, was issued, which is why our collection system showed your account as thirty-five (35) days past due. I apologize for any misunderstanding that may have occurred when you spoke with our Collection Department on July 19, 2016. Please be assured that although your account showed as thirty-five (35) days past due in our collection system, your account was not reported as past due to the credit reporting agencies. An account is only reported past due to the credit reporting agencies if payment is received more than thirty (30) days after the due date, which in your case was July 11, 2016. On July 19, 2016, we received and posted your payment of $70.00 to bring your account to a current status. Your next statement will be issued at the end of your statement period on August 14, 2016, and your next minimum payment as indicated on your August 2016 statement will be due on September 11, 2016. It was certainly not our intention to cause you any hardship. In the interest of customer service, we waived the $25.00 late charge that was assessed on July 12, 2016. The fee waiver will be reflected on your August 2016 statement. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] [redacted] [redacted] Date: August 16, 2016 Account: [redacted] Regarding Your Fifth Third Bank Accounts Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com (Revdex.com) regarding your...

debit card. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality 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. On behalf of the Bank, please accept my sincere apology for any inconvenience or frustration this matter has caused you. Please be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received and passed along your concerns. Upon receiving your complaint, we researched the debit cards ordered for [redacted] connected to your joint checking account ending in [redacted]. Please use the below chart as verification of the debit cards owned by [redacted]. Open Card Number Date Reason Card was opened Closed Date Reason Card was Closed [redacted]xxxxxxxx[redacted] 9/30/2013 Checking Account Opened 8/19/201* Merchant Compromised [redacted]xxxxxxxx[redacted] 7/18/201* Replace card [redacted] 5/26/2015 Fraud [redacted]xxxxxxxx[redacted] 5/15/2015 Replace card [redacted] 2/2/2016 Banking Center Closed [redacted]xxxxxxxx[redacted] 5/19/2015 Card request by customer 7/27/2016 Reported Lost [redacted]xxxxxxxx[redacted] 2/*/2016 Replace card [redacted] 6/27/2016 Blocked/ Dispute filed [redacted]xxxxxxxx[redacted] 6/28/2016 Replaces card [redacted] [redacted]xxxxxxxx[redacted] 7/27/2016 Replaces card [redacted] 7/28/2016 Customer Request On June 27, 2016, our Dispute Resolution Department opened a case on [redacted] debit card ending in [redacted]. As part of the fraud investigation, the Dispute Resolution Department closed the debit card ending in [redacted] and issued a new debit card ending in [redacted]. The disputed transaction was a $61.67 purchase at [redacted]. Because this dispute was a fraudulent transaction not authorized by [redacted], the Dispute Resolution Department provided provisional credit to your joint checking account ending in [redacted] on June 28, 2016. I have enclosed a copy of the letter mailed to you from the Dispute Resolution Department, advising that the dispute was approved and the credit was issued to your account. On July 7, 2016, you contacted the customer service department and closed your debit card ending in [redacted].The card was blocked and a new card ending in [redacted] was issued. On July 27, 2016, you and [redacted] made several calls to the customer service department and the Dispute Resolution Department. You both were concerned with a pending transaction on your checking account from [redacted] in the amount of $240.00. Our research confirmed the debit card transaction from [redacted] was on [redacted]’s debit card ending in [redacted]. As noted above, this debit card was issued to [redacted] on May 19, 2015. [redacted] last used the card in January 2016; however, the card was never reported lost or stolen. During your conversations with our customer service department, you both showed concern that more than one (1) debit card could have been owned by [redacted]. On August 2, 2016, the Dispute Resolution Department opened a case for the [redacted] purchase. Because this dispute is a non-fraud claim, the Dispute Resolution Department did not provide provisional credit to your checking account. As part of the dispute process, a block was placed on the debit card ending in [redacted], and a new debit card was issued ending in [redacted]. Case number [redacted] is an ongoing investigation. While we try to resolve all investigations as quickly as possible, it can take up to one hundred and twenty (120) days to finalize your claim. If you have questions regarding the investigation, please contact the Dispute Resolution Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday, 8:30 a.m. to 5 p.m., ET. Please reference your case number when talking to the Dispute Resolution Department. [redacted] offers a service called Automatic Billing Updater (ABU) to their customers. ABU is a service for Fifth Third cardholders that have setup recurring payments against their card. ABU ensures uninterrupted payments by updating card account number information to the participating merchant when changes occur for example, when a card is closed due to fraud. Please note, ABU is a service provided to our customers, but not all merchants utilize the service. Fifth Third Bank is not able to determine if any or all of your recurring payment merchants will be provided the new card updates. We recommend contacting any merchant with whom you have a scheduled recurring payment to either ensure they have your updated card number or to cancel the recurring payment. Thank you for your patience while we researched this matter for you. We regret that you felt the need to close your accounts, and we certainly hope you will reconsider using Fifth Third Bank for 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 Enclosure: Dispute Decision Letter

[redacted]Date: February 28, 2017 Account: [redacted] ACCOUunt: [redacted] ACCOUunt: [redacted]Regarding Your Fifth Third Bank Credit Card AccountsDear [redacted]:We received a copy of the complaint you filed with the Revdex.com regarding...

your credit card accounts. 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 any inconvenience this matter may have caused you.On May 2, 2006, the Bank received and approved your application for a Fifth Third Bank Platinum [redacted]. Upon approving the application, the Bank issued a [redacted] account ending in [redacted]. For your records and Convenience, please find enclosed copies of the statements dated September 12, 2014, through your most recent statement dated February 12, 2017. The last payment made toward this account was received on November 2, 2016. This credit card account was connected to your checking account ending in [redacted] as Ready Reserve (overdraft protection).On May 14, 2014, the Bank received and approved your application for a Real Life Rewards [redacted]. Upon approving the application, the Bank issued a [redacted] account ending in [redacted]. For your records and Convenience, please find enclosed statements dated June 5, 2014, through your most recent statement dated February 5, 2017. This account was also connected to your checking account as Ready Reserve (overdraft protection).For your Convenience please find enclosed copies of your checking account statements and overdraft notices. Please use the enclosed documents as verification of the overdraft history of your checking account, and that both Credit card accounts were utilized as Ready Reserve for your checking account ending in [redacted].Please review the enclosed statements and contact the Dispute Resolution Department if you wish to dispute any transactions. You can contact the disputes resolution department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday 8:30 a.m. to 5 p.m., ET. Thank you for your patience while we researched this matter for 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.E.T.Sincerely,Patrick S.Office of the PresidentPC: Revdex.comEnclosures: Credit Card Statements for both a CCountsChecking Statements Overdraft Notices

[redacted] Date: February 15, 2017 Regarding Your Stolen Checks Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your utility checks that were stolen and processed with Fifth Third Bank. We appreciate the time you have taken to express your continued thoughts and concerns. On behalf of the Bank, I apologize for the difficulties and distress this situation has caused you. However, we stand by our previous correspondence dated February 6, 2017. Please contact [redacted] and complete a fraud affidavit in order to have them cease collection efforts. For your reference, I have enclosed a copy of our previous correspondence. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Previous Correspondence

[redacted] 
[redacted] 
[redacted] Date: May 19, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the rebuttal you filed with the Revdex.com regarding the fees charged to your business checking account. We appreciate the additional time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this situation has caused you. However, we stand by our previous response letter sent to the above address on May 10, 2016. I have enclosed a copy of our previous written response for your review. Our position on this matter has not changed. Please be aware that the current balance in your business checking account is negative ($811.26). Please make a deposit to cover the overdrawn balance at your earliest convenience to avoid further collection proceedings. It was certainly not our intention to cause you any hardship and we appreciate your patience while we reviewed your concerns. You are a valued customer and we look forward to serving your financial needs in the future. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ([redacted]) [redacted], Monday through Friday, 8 a.m. to 6 p.m., EST. Sincerely, Lisa S.Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosure: letter dated May 10, 2016

[redacted] [redacted] [redacted] Date: January 6, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your...

Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns. We completed a review of the Essential Checking account ending in 9475. Our records indicate that on November 28, 2015, the joint account holder, [redacted], accepted Overdraft Coverage via online banking for the Essential Checking account, allowing access to funds beyond the account balance with debit card transactions. Our review of the account activity included the following: ? On December 21, 2015, the beginning account balance was $302.11. There were ten (10) transactions that posted to the account, totaling $307.30, leaving the negative account balance at ($5.19). Because there were not enough funds to cover all of the transactions, the transaction to [redacted] in the amount of $31.85 was assessed an overdraft fee in the amount of $37.00 the following business day. ? On December 28, 2015, the beginning account balance was $125.05. There were ten (10) transactions that posted to the account, totaling $301.83, leaving the negative account balance at ($176.78). Because there were not enough funds to cover all of the transactions, the transactions to [redacted] in the amount of $72.95, [redacted] in the amount of $4.99, and ATT in the amount of $100.00 were each assessed an overdraft fee in the amount of $37.00 the following business day, totaling $111.00. ? On December 30, 2015, the beginning account balance was $51.31. There were five (5) transactions that posted to the account, totaling $112.84, leaving the negative account balance at ($61.53). Although there were not enough funds to cover these transactions, because the Overdraft Coverage was declined by you, via online banking, on December 29, 2015, these debit card transactions were not assessed any overdraft fees. Our review of the account history determined that Overdraft Coverage was accepted for the account between November 28, 2015, and December 29, 2015, and there was no Bank error in assessing the overdraft fees to the account. Because there was no error, we are unable to accommodate your request to reverse any additional fees. I am sorry for any additional frustration this may cause you, and any difficulties you may have experienced when calling the 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, April Q. 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. 
In response to their letter and documentation they attached, they still are not paying the correct amount. If they pay the village of [redacted] the $888.62 that won't pay the second half of the taxes. The payment should not go to the village of [redacted], but to [redacted] for $1003.60. I faxed the correct documentation twice and it's still wrong. I just checked online and the second half of taxes has still not gotten to [redacted]. If they end up being late this is not due to our fault but the bank for sending it to the wrong entity. What I would like is to take my escrow back for taxes. This is the third year in a row they have messed them up and when I try to call to straighten it out, I get no where until I file a formal complaint. I was never late paying my taxes when I paid them myself. It will alleviate this mess happening again next year and decrease undue stress on my wife and myself having to fight and file complaints. 
Attached is the current years real estate taxes and it shows clearly on the bottom how much and who to pay it to for each half. 
Regards,
[redacted]

[redacted] Date: March 25, 2015 Account: [redacted] Re: 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 the difficulties you have experienced with your mortgage loan. It was certainly not our intention to cause you any hardship. Please be assured 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 September 9, 2014, we received your application for a mortgage loan of $67,550.00 for the purchase of a manufactured home. While our Mortgage Loan Origination Departments worked diligently to close your mortgage loan as quickly as possible, several issues caused delays in the process. The bankruptcy information on your credit report presented challenges due to our established underwriting guidelines. Additionally, in order to proceed with the loan the manufactured home needed to be converted to real property. During the application process, FHA (Federal Housing Administration) guidelines changed, which created additional requirements to proceed with your mortgage loan. Also, a large factor in the delay of your closing was the requirement regarding the distance the well was from the septic tank. Working through this requirement took some time. As you mentioned in your complaint, due to the difficulties you experienced due to the delays in closing your mortgage loan, our Mortgage Loan Origination Departments agreed to reimburse you processing and underwriting fees totaling $1,277.00. I have confirmed that checks for these fees have already been mailed to you. Your mortgage loan closed on January 27, 2015. As you are aware, the mortgage loan was booked into our system twice. However, please be assured that this has been resolved, and only one (1) loan is reflected in our systems.We also regret the level of service you received from our Mortgage Loan Origination Department. We strive to provide you with an exceptional experience throughout the application process. From your complaint, it is clear we did not meet your expectations. Again, I am truly sorry we disappointed you.Thank you for your patience while waiting for a response. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please call me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, [redacted]Senior Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

[redacted] Date: January 26, 2017 Account: [redacted] Regarding Your Auto Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your auto loan. Your...

feedback is very important to us as it allows us to better understand how we can improve our service to you. I also want to thank you for taking the time to speak with me on January 17, 2017. On behalf of the Bank, please accept my sincere apologies for the difficulties you have encountered. It was certainly not our intention to cause you any hardship. We strive to provide the best customer service possible and I am sorry that was not your experience. 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 December 2, 2016, we sent a final payment notice for your auto loan ending in [redacted]. The notice indicated that a final payment of $236.43 was due on December 29, 2016. As the notice indicated, since you were enrolled with Auto BillPayer the final payment would be automatically withdrawn from your account on the due date. I have enclosed a copy of that notice for your review. I am sorry if there was any misunderstanding. On December 29, 2016, Auto BillPayer withdrew your final payment of $236.24, which is the amount of the billing that was sent to Auto BillPayer. On December 30, 2016, after your loan was closed, we received your payment of $236.43. When we receive a payment after a loan is closed, the payment is held for ten (10) business days before the funds are returned to the customer. This is to ensure that the funds will not reverse. Unfortunately, there were multiple holidays following your payment, which extended the time in which we would hold the funds. The tenth (10) business day was January 17, 2017, so on that date a check in the amount of $236.24 would have been issued to you since your payoff was $0.19 short. I truly apologize that you were not able to obtain this information when you initially called the Bank. After we spoke on January 17, 2017, we placed a stop payment on the check that was automatically issued to you and issued a check for the full amount of $236.43 which we sent to you via overnight mail that same day. We confirmed that the check was delivered to you on January 18, 2017, at 9:52 a.m., ET. Again, please accept my sincere apologies for the troubles you have experienced, and 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, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Final Payment Notice

[redacted]Date: June 15, 2015Account:       [redacted]Regarding Your Checking AccountDear [redacted]:We received a copy of the complaint you filed with the Consumer Financial Protection Bureau and the Revdex.com...

regarding your account with the Bank. We appreciate the time you have taken to express your thoughts and concerns regarding this matter.Your comments expressing less than quality service when you emailed the Bank and when you contacted the Banking Center and spoke with the Personal Banker regarding the closure of your account are very concerning. Please be assured we have researched the concerns outlined in your correspondence and have forwarded them to the appropriate personnel for further review. Additionally, we have received confirmation that the Bank made the decision to close your account ending in [redacted] with a scheduled closure date of May 11, 2015, and communication was sent to you at the address on file at that time. I apologize if you did not receive it. However, when the Banking Center was unable to reach you over the telephone prior to the scheduled closure date, they extended the closure date to May 18, 2015. Unfortunately, they still did not hear back from you prior to the account being closed on May 18, 2015, so a check was mailed to the address on file for the remaining account balance. A copy of the letter sent to you at the above address, on April 30, 2015, regarding the account closure, is enclosed for your reference.It should be noted that we have also reached out to the Banking Center Manager, [redacted] regarding the situation. She advised that she had received her first (1st) call from you on June 2, 2015. It is our understanding that she advised at that time she needed additional time to research the possibility of placing a stop payment on the check that was issued to you. Additionally, she has advised that she left a message that same day advising that she did not have an answer regarding the stop payment and that she would call again on June 3, 2015. I apologize if this was not the case.I have confirmed that a new check was issued to you at the above address on June 4, 2015. If you have not received the check, please call me directly at the telephone number below and I will be happy to make arrangements for you to pick up the check at one (1) of our banking center locations.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,[redacted]Office of the PresidentPc: Consumer Financial Protection Bureau; Revdex.com Enclosure: Account Closure Letter

Please find attached our response to the rebuttal complaint filed by [redacted].   January 28, 2015[redacted]Re: Equity FlexLine[redacted]We received a copy of the rebuttal complaint you filed with the Revdex.com regarding the application process for your new Fifth Third Bank Equity FlexLine account. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter.As stated in our previous correspondence, several factors are reviewed in order to issue approval for the new Equity FlexLine account including your debt to income ratio and any related information that we receive from the credit bureaus. In your rebuttal, you indicate that the amount shown on the 1099-Misc form of $10,688.02 is what should be used as your income. But for this type of income, the Bank uses the ‘Net profit or (loss)’ amount shown on line 31 of the Schedule C form submitted with your tax return. In your case, the net profit after total expenses was $1,986.00 and this was the amount used in our debt to income calculations. I apologize for any frustration this may cause you.On October 29, 2014, your Equity FlexLine application was conditionally approved and a notice was mailed to the address shown above on this date. It should be noted that the loan commitment letter referenced in your rebuttal complaint states the following:“Your application for a consumer loan has been approved subject to the following conditions. Please review this consumer loan commitment in detail to ensure that you understand all aspects of this loan being committed and the conditions that must be satisfied. Failure to meet conditions may invalidate this commitment or may result in additional processing requirements and/or a delayed closing date.”As a result, this letter should not be interpreted as a final approval, final commitment or security agreement for the loan amount shown. In addition, you chose to accept the Bank’s counter offer for a smaller line of credit in the amount of $99,400.00 on November 7, 2014. After the discovery of an underwriting issue regarding your [redacted] lease account, we made an exception to remove the [redacted] lease pay-off and approved your application for a lesser amount of $85,050.00. On December 4, 2014, you accepted our second counter offer and proceeded with the closing process for the new Equity FlexLine ending in [redacted]. Copies of the conditional approval letter and security agreement for the new account are enclosed for your review.We sympathize with the difficulties you experienced during the application process for your Equity FlexLine account. However, we are not willing to increase the line of credit amount for your account at this time. Mr. [redacted], please be assured that it was not our intention to cause you any hardship or disappointment. We appreciate your feedback as it assists us in identifying problems and ways to continuously improve the level of service we provide to our customers. 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 [redacted].Sincerely, [redacted]Consumer Resolution Specialist Office of the PresidentEnclosure(s): Conditional approval, Security agreement Pc: Revdex.com

[redacted]Date: December 14, 2015 Account:     [redacted]Regarding Your Mortgage LoanDear [redacted]: We received a copy of the complaint filed through the Revdex.com by your wife on November 4, 2015 concerning the...

refinance of your mortgage loan.  We appreciate the time she has taken to document your thoughts and concerns regarding this matter.  We are responding to you as you are the only account holder listed on the original mortgage loan.We strive to provide professional and accurate service to our customers and I regret that the service you received did not meet that same high standard.  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.We empathize with the difficulties you encountered with your application for the refinance of your mortgage loan.  Therefore, in the interest of customer service, we have refunded the $350.00 application fee that you previously paid.    I appreciate this opportunity to address your concerns.  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, Carolyn G.Office of the President Pc: Revdex.com

[redacted] Date: May 11, 2016 Account: [redacted] Regarding Your Revdex.com Complaint Dear [redacted]: We have received your complaint from the Revdex.com, regarding your mortgage loan...

account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, I apologize for the difficulties you have experienced. It was certainly not our intention to cause you any undue hardship or frustration. I was unable to verify an application for hardship assistance since December 2015 and after further review of your accounts, there is no indication that we previously advised you to stop making payments during that time, or any record advising that your account could be placed on hold or frozen for credit bureau reporting. Currently your account is thirty (30) days past due for the April 1, 2016, payment and that information will be reported to the credit bureau as we are unable to withhold reporting for your account. Please be advised, I have reviewed your account and found that you do qualify for a courtesy fee waiver of $30.89 and that has been waived on your account and no further fees are available to be waived. To avoid additional fees and credit bureau reporting you would need to continue to make your payments by your due date each month. Additionally, should you require a payoff for your mortgage account please call ###-###-####, you can received a verbal payoff by entering the pound (#) key and full account number followed by the last four (4) digits of your social security number to access the mortgage loan automated menu and select payoff, or you may opt to speak with a customer service agent who would be able to assist you as well. We appreciate your patience while we researched this matter and apologize for any inconvenience this situation 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, Shannon K. 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. As far as your reasons for calling the police, it's BS. Your staff made an error and could not explain it. I could careless, police do not bother me. Your manager just took a policeman away from the community for nonsense and he could have been dealing with a real issue. I'm not surprised, 5/3 is all about bs. I have also made a public complaint on you all to consumer affairs. I will continue to complain on any platform I find. I may even set up a social media page to make people aware.
I am still waiting on someone to explain to me why part of my money was dispensed to me at the counter by [redacted]' cashier, then when I requested the rest of my money they all of a sudden needed another form of ID. Did my identity appear to change while I was standing at the counter?
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   I submitted several emails to the Revdex.com. Today I met with the branch manager where I applied for the loan. The manager was apologetic and wished to look into this matter further. 
Regards,
[redacted]

I also sent customer a copy of his payment history, but was unable to attach the document.Response to customer attached. February 12, 2015 [redacted] Re: Installment Loan [redacted] Dear [redacted]: We received a copy...

of your complaint 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. On behalf of the Bank, please accept my sincere apologies for the inconvenience this matter may have caused you. 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 did not meet your expectations. Please be assured that we have researched this matter fully, and customer concerns are reviewed by our senior management as part of our ongoing commitment to improving our customers’ satisfaction. Proof of full coverage vehicle insurance is required at the loan contract signing and throughout the life of the loan. On October 21, 2014, November 10, 2014, and November 24, 2014, we mailed notices to the address on file to inform you that due to the insurance information provided to us at your loan closing having not been an actual copy of the policy with your new vehicle added we would need to be provided with a current proof of coverage by November 30, 2014. Because we did not receive proof of insurance by that date, force-placed insurance costing $[redacted]was added to your installment loan on December 8, 2014. As of January 20, 2015, we have received a copy of your current proof of insurance coverage and your force placed insurance was removed. A new coupon book was ordered reflecting your payment amount being lowered back to the original payment of $[redacted]. In your complaint you also mentioned that your name had been misspelled in our system, I have found the error, have corrected your name to read as “[redacted]” and have ordered you a new coupon book at no charge to reflect this which you should receive in the next 7-10 business days. Please accept my apology for this mistake. Mr. [redacted], it was certainly not our intention to cause you any hardship, and we appreciate your patience while we researched this matter for you. We 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 [redacted] or toll free at [redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the President Enclosures (4): Notices and Payment History [redacted]

6-28-17 Hi, Fifth Third Bank has restored my funds. Thanks for your help, I appreciate it very much. Best wishes, [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  I submitted a complaint against fifth third bank probably a couple of months ago. I heard back from them once and they said they were sending out a payment book and I told them they had the wrong address that we had never lived at the address they had sent it to but I never have seen a reply or received anything from them at allThanks[redacted]

[redacted] 
[redacted] 
[redacted] Date: June 15, 2016 Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding...

your recent customer service experience. We appreciate the time you have taken to bring this matter to our attention. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. After reviewing your complaint, the relevant parties were contacted to express your dissatisfaction with the level of service you received from our Auto BillPayer Department. We understand the frustration this situation has caused. Please be assured that your [redacted] account was credited for the payment of $1,300.00 on June 10, 2016. If the credit has not posted to your [redacted] account, please contact me at the phone number provided below. Please be assured that Fifth Third Bank takes comments regarding inadequate customer service and potential security breaches very seriously. Management in our Auto BillPayer Department has spoken with the representative concerning this situation, and they have been made aware of the level of service expected from all Fifth Third Bank employees. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction. Thank you for allowing us the opportunity to respond to your concerns and resolve this issue. 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 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

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]