Fifth Third Bank

November 10, 2014 
[redacted] 
[redacted] 
[redacted] 
Re: Checking account ending in[redacted] 
Dear Ms. [redacted], 
We received a copy of your complaint recently filed with the Revdex.com concerning...

the 
conduct of the Financial Center Manager at the [redacted] Financial Center and Fifth Third Bank’s policy in 
regards to our customers account information and privacy. We appreciate the time you have taken to 
document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes 
your feedback seriously, and I appreciate this opportunity to respond to your concerns. 
Your comments expressing less than quality service are very concerning and I regret the difficulties you 
experienced. I have shared the information you brought to our attention with the management of the 
Financial Center you mention in your correspondence. Additionally, customer feedback is reviewed with 
our regional management as part of our ongoing commitment to improving our operations. 
Ms. [redacted], on October 21, 2014, you purchased a cashier’s check in the amount of $[redacted] from 
our [redacted] Financial Center. In addition to the cashier’s check, you requested to withdrawal $8,10[redacted] 
in cash, which brought your account balance to $[redacted]. It is our understanding that you requested for your 
checking account to be closed after those transactions posted to your account. On October 22, 2014, two 
(2) deposits in the amount of $[redacted] each posted to your checking account and savings account, 
respectfully. On October 29, 2014, [redacted], the Financial Center manager of the [redacted] 
Financial Center, contacted you in regards to those two deposits, and to inquire if you still required your 
checking account to be closed. At no time was your account information accessed by the Financial 
Center Manager for any reason other than to inquire if you still wanted your account closed, as you 
requested on October 21, 2014. The Regional Manager of the [redacted] Financial Center and [redacted]’s 
direct manager, [redacted], attempted to contact you on October 30, 2014 and October 31, 
2014, but as of November 3, 2014, had not been able to connect with you concerning the issues on your 
account. I attempted to contact you, as well, on November 5, 2014, but was unable to leave a message. If 
you have additional questions regarding your checking account or the phone call that the Financial Center 
Manager placed to you on October 29, 2014, please call me at the number below. As of November 5, 
2014, your checking account ending in[redacted] remains open with a positive balance of $[redacted]. 
On behalf of the Bank, I would like to offer my sincere apologies for any inconvenience this matter 
caused you. Fifth Third Bank strives to meet your financial needs while balancing a commitment to 
responsible Banking practices. In support of this commitment, we may review your accounts and how 
they are used throughout the year. Please be assured that everyone at the Bank takes protecting our 
customers’ financial and personal information very seriously. 
Ms. [redacted], it is certainly not our intention to cause you any undue hardship. We strive to provide 
quality service to all of our customers, and I apologize if we failed to meet your expectations. On behalf 
of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. 
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 [redacted] 
Sincerely, 
[redacted] 
Consumer Resolution Specialist 
Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
Regards,
[redacted]Hello - This complaint is against Fifth Third Bank. This complaint is in regards to unfair business practices under the fair credit reporting act. This complaint is also in regards to fifth third bank engaging in unfair treatment and practices against minorities. In the past fifth third bank has been ordered to pay over 1,000,000 for lending violations. While, this is not a lending violation it is a matter of fairness. Fifth third bank accessed a 30 day late notice to my mortgage account after there was a mix-up regarding setting up automatic bill pay. Because there was confusion in the past, I was under the assumption that automatic bill pay was setup and there were no issues. However, that wasn't the case. On May 9th, 2017, I call regarding the account and was informed I was 30 days late. I immediately paid the account and begin to investigate. The facts are; 1. On May 9th 2017 - The fifth third agent said on a recorded line that the bank did not have a number to call me. She took my information and said she would update my file. 2. Fifth third bank never called me during the 30 days of April to let me know the account was behind. 3. Fifth third bank send 1 letter - because I travel weekly, I did not receive the letter. Which is why a call or having bill bank established is critical 4. Fifth third bank indicated in written communication that they never called me 5. Fifth third bank called me regarding my loan for the first time in almost two years on 6/6/2017. This is no coincidence. 6. The rep from fifth third bank stated that the late date could not be removed because it's accurate and the bank made no mistake. However, that statement is false, according the fair credit act, a lender can correct or delete negative information reported. I'm asking that the 30 day late date be removed due to the following; 1. Inaccurate information given to the consumer 2. Fifth third bank failed to call me regarding my mortgage. While they may not have to call, it's the right and FAIR thing to do to keep customers from getting behind. Because the bank indicated I never received a call, I'm asking that the bank assume responsibility for not doing all they could to protect me. 3. There was clearly a mis-communication between myself and fifth third bank regarding the automatic bill pay.Desired Outcome: Remove 30 day late date

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]

Please find attached our response to the additional rebuttal filed by [redacted]. Thank you. 5050 Kingsley DriveMD 1MOCOPCincinnati OH 45263[redacted]Date: August 19, 2016Account: [redacted]Regarding Your Installment LoanDear [redacted]:We received a copy of your additional rebuttal filed with the Revdex.com regarding your vehicle loan. We appreciate the opportunity to research your concerns.As advised in our previous response, according to our insurance center, your comprehensive insurance coverage was cancelled on December 16, 2015. A new policy was written on March 30, 2016, that included comprehensive coverage. However, the effective date for this policy was May 24, 2016. Subsequently, the Bank purchased insurance coverage, on your behalf, that was in effect from December 16, 2015, until May 24, 2016.In your most recent rebuttal, you requested that we contact your [redacted] Insurance agent, Jill Hawkins, directly regarding your insurance policy. I called [redacted] on August 16, 2016, per your request. Your insurance agent reviewed your file and verbally confirmed that you did not have comprehensive coverage from December 16, 2015, until May 24, 2016. The information provided by your insurance agent is the same information that our insurance center received from [redacted]. Therefore, the insurance policy that was purchased by the Bank was necessary and you are not entitled to a refund for the forced placed insurance purchased.Thank you for your patience while waiting for our additional response. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Office of the PresidentPc: Revdex.com

Please see attached response. December 30, 2014[redacted]Re: Credit Bureau reporting of Mortgage Loan ending in [redacted]Dear [redacted],We received a copy of your complaint, filed with the Revdex.com and the [redacted]...

[redacted], regarding the reporting of your Fifth Third mortgage loan to the credit bureau reporting agencies. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to address this matter.On behalf of the Bank, please accept my sincere apology for any frustration this matter may have caused you. Please be assured that we have contacted the relevant parties to research your account reporting and passed on your concerns. We strive to provide professional and accurate information to all of our customers, and we regret the difficulties you encountered regarding the reporting of your account. We also appreciate your feedback as it helps us to identify problems and to continuously improve the level of service we provide to our customers.We have conducted a thorough review of the information reported regarding your above mentioned mortgage and determined that the information provided to the credit bureau reporting agencies was not correct. In accordance with the credit reporting guidelines and Fifth Third Bank policy, if a customer continues making payments on a secured debt after the Chapter 13 has been discharged, the bankruptcy should be removed from the customer’s credit report.Please be assured we have submitted an update to all four (4) credit bureaus to remove the bankruptcy reference from your credit report. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. Please note that after submitting corrections to the credit reporting agencies, the Bank conducts follow up reviews of accounts with the credit bureaus to ensure the updated information is notated correctly.If you would like to contact the credit bureaus directly, their contact information is below:  Equifax ###-###-#### Experian ###-###-#### TransUnion ###-###-#### Innovis ###-###-####   Fifth Third Bank, Member FDIC.     Equal Housing Lender. Fifth Third and Fifth Third Bank areregistered service marks of Fifth Third Bancorp   [redacted], we strive to provide professional and accurate information to our customers in as timely a manner as possible, and I am sorry that has not been your experience. You are a valued customer and we look forward to serving your future financial needs. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####.Sincerely, [redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.com[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.   
Several customer service agents advised me the hold would be lifted on 3/6. So did the social media representative and As well as the Revdex.com person from corporate. Now they're telling me 3/7. Conflicting information that I don't agree with. My rent and car payment are now going to be 7 days late. I am requesting $300 in compensation for late fees and emotion distress. If this is not met, I will file a law suit for millions of dollars due to emotional distress caused by this company. I left for vacation today and Have NO MONEY due to this company. I will make sure everyone I know never uses this company and if they do, I will make sure they close their account. I've worked for my employer for over 3 years. If you switch bank accounts, your first check is paper check and following checks are directly deposited. I am so stresssd out about this situation I couldn't even go to work on Monday, 2/27. 5/3 could have advised me of this when I deposited my check, but didn't. Just because I didn't deposit it at a financial institution doesn't mean you couldn't have it available as a notice on the app. Also, when I first deposited my money, $100 was avaolable. And then they took it back. FRAUD. Scam. Fraud. 
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 understand I signed a commitment letter. The problem I have is that I was called by my loan officer to pay $350 for an appraisal. When I cancelled the appraisal I assumed I would get a refund. I know I have no power over the bank and I have to deal with losing the money. I will not agree with the response as the banks costs for the application do not add up to $350.
Regards,
[redacted]

[redacted] Date: April 20, 2016 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted] and [redacted]: We received a copy of the complaint you filed with...

the Revdex.com regarding the force placed insurance on your installment loan. We appreciate the time you have taken to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced. Pease find enclosed copies of your loan closing documents stating your requirement to provide proof of insurance to the Bank. Failure to provide proof of insurance, forces the Bank to purchase insurance on the collateral. According to the Security Agreement and the Agreement to Furnish Insurance documents, the Buyer agrees to pay to Seller any earned premium for any policy that may have to place for the vehicle in accordance with repayment procedures. Our records indicated that the insurance policy on your [redacted] was cancelled on January 19, 2016. As indicated on your enclosed loan contract, you must maintain insurance as long as there is an unpaid balance on your loan. The Bank notified you three (3) times requesting proof of insurance for your vehicle. I have enclosed all three letters mailed to the address the Bank had on file for your account, [redacted], [redacted], [redacted]. Please use these notices as verification the Bank did contact you about providing proof of insurance to the Bank. It should be noted, you were provided five (5) options on how to update your insurance information with the Bank. Please note, on April 11, 2016, you notified the Bank of a change of address. We have updated your permanent and mailing address to [redacted], [redacted]. On April 7, 2016, when the Bank force placed insurance on the vehicle, a new coupon book notating your new payment was also mailed to your [redacted] address. The Bank has received your insurance information and the Bank cancelled our force placed insurance policy. A new coupon book was ordered on April 18, 2016. This coupon book indicates your monthly payment has been reduced to your regular payment amount. Please use this letter as verification that your next payment of $563.03 is due April 23, 2016. 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 ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. [redacted] Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosures: Proof of Insurance Letters, Loan Documents

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.   
Thanks for the phone numbers and explanation, but it does not address.. * why I was limited to scheduling 4 payments * why there is no way to automate this
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: September 28, 2015 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, regarding your...

checking account. Thank you for taking the time 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 our senior and executive management teams review customer concerns as part of our ongoing commitment to improving our customers’ satisfaction. Our research determined that your checking account was charged off as an uncollected debt on January 3, 2013. I have enclosed copies of all your checking account statements and overdraft notices for your checking account. Please note, on December 13, 2013, the Bank sold your debt to TMT Management Group. Fifth Third Bank has been notified that Precise Financial Group is managing accounts sold to TMT Management Group. You can ask them to provide validation of your debt by contacting Precise Financial Group at 888-314-3633. We appreciate your patience while we researched this matter. If I can be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Statements and Overdraft Notices

[redacted] Date: March 13, 2015 Account: [redacted] Re: Checking Account Overdraft Dear [redacted].: We received a copy of the complaint you recently filed with the Better Business...

Bureau. 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers' satisfaction. Fifth Third Bank processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order: Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability Policy.Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are received.All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount.Fees and service charges in the order of the largest amount to the smallest amount. I have enclosed a copy of our current Rules and Regulations for your review. Page twelve (12) provides additional information regarding our overdraft calculation order. On page eleven (11), paragraph thirteen (13), you will find additional information regarding an account overdraft. Fifth Third Bank, Member FDIC. "...\ Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service [redacted]s of Fifth Third Bancorp     On February 24, 2015, the beginning balance in your checking account was $148.89. Six (6) items posted to your account in the following order: Debit Card Purchase of $20.26Debit Card Purchase of $26.99Debit Card Purchase of $14.25Debit Card Purchase of $9.77Merchant Payment of $11.44Web Initiated Payment of $95.88 Due to insufficient funds, one (1) item resulted in the account overdraft, which resulted in one (1) overdraft fee of $37.00, which posted to your account the following day. The ending balance in your account on February 24, 2015, was negative ($66.70). I have enclosed a copy of the overdraft Notice that was sent to you on February 25, 2015, for your review. On February 25, 2015, we received your direct deposit in the amount of $544.79. The ending balance in your checking account on February 25, 2015, was positive $13.20. Please note as referenced in the Bank's Rules and Regulations, specifically on page twelve (12) that the Bank does not charge overdraft fees for items that are pending on your account. The representative named [redacted] that you spoke with when you called the Bank on February 25, 2015, reversed the overdraft fee of $37.00 on February 27, 2015. Please be aware that it is the Bank's policy not to reverse any overdraft fees except in the case of a Bank error. If we wish to reverse fees as a courtesy, we are only able to reverse a limited amount of fees within a specified period of time. The representative named Erika that you spoke with did provide you with accurate information concerning the Bank's policy regarding fee reversals. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely,   [redacted] Office of the President Pc: Revdex.com Enclosure: Rules and Regulations

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 faxed a copy of the check I sent the last week of May to Fifth Third after speaking to one of their representatives the week of the 15th. It was not posted to my account so I called to check on the manner. At this time I was the one who notified them of the error of another person's money being posted to my account. There are recordings to represent this conversation through fifth third. Also, it is my understanding according to the law, fifth third can not hold a Lien release after cashing the payoff check my bank sent them. They have cashed it. I have sent them a check in the mail for the "remaining balance" to keep my credit from being affected. I have A+ Credit with nothing to hide. I pay my bills. Please inquire about the recordings they have and the copy of the check I faxed  to 513-358-5477 with the reference number of 21816933. I also inquired about a name change considering my name was spelt wrong at the time and automatic payments. I was told on the 16th the copy of the check was not sufficient after being told it would be the prior date. My husband was told my a different represtative out check was returned. I verified this with my bank. Nothing was taking out of my account, which had 3000 in it at the time. I believe that was a sufficient amount to pay the bill. 
Regards,
[redacted]

September 12, 2016Fifth Third BankOffice of The President[redacted]I received these two letters in the mail today as I had seen them also as your response to the Revdex.com. They both do not address anything at all as far as questions that I have asked since your letter dated 8-17-2016.My response also today to the Revdex.com was non acceptance again due to the fact that all questions in regards to my dispute being denied have not been answered. As all I am being told is my dispute was denied based on my own information indicating that services were rendered. Yet from the beginning when I initiated the dispute on Sat. May 28, I have been saying the opposite. That is the reason for me filing the dispute in the first place.Also no response was ever received by [redacted]. My own details which very much indicate that [redacted] advertises Free Phone Consultations on her website. I did not ever do any business with her on her website but obtained her phone number.Yet during the free phone consultation she said that for $350 she could obtain the information as far as the reason that the place of business indicated was coming to the home on both 4-13-2016 and 5-25-2016.This information was not obtained at all and only texted that it was not. After being asked to call to get the information from the business, she then said that she would on Tues 5-31 and she would be in touch. And she was not. Again she has not responded to your request either. This alone indicates fraudulent activity and my own details cannot say otherwise since I am the one that had $350 taken from me as the service that we discussed during the free phone consultation that would cost $350 was not provided.As the information she told me was not relevant or even asked for by me, at all for her to obtain and I detailed what information she had indicated it would be $350 to obtain.Without her response to you at all, there is no possible way that you could determine especially from my own letter detailing my dispute that it would be denied. As to why you would have taken 90 days only indicates the need to wait for her to respond but my letter was sent in June detailing my dispute.If my letter in fact was confusing to your office. I should have been contacted for further details even by phone. Yet the timeframe of 90 days indicates that my letter was not the reason for the dispute being denied as I would have received a denial letter earlier than August 17, 2016.[redacted]Fifth Third Bank CustomerChecking Account- [redacted]cc: Revdex.com

[redacted] Date: October 2, 2015 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com,...

concerning the difficulties you experienced in paying off your vehicle installment loan. We appreciate the opportunity to respond to your concerns regarding this matter. Your comments expressing less than quality customer service are very concerning. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. We sincerely value your feedback as it assists us in delivering first class customer service which is a priority to us. It is feedback like yours that helps us identify problems and improve the level of service we provide to our customers. Please be assured that the relevant parties have been contacted to express your dissatisfaction with the service you received. On June 3, 2015, you agreed to a seventy-two (72) month vehicle installment loan in the amount of $27,909.07 for your [redacted] with a monthly payment of $457.14 due on the third (3rd) of each month. We also confirmed that you agreed to purchase a [redacted] insurance policy for your installment loan. On September 24, 2015, we received a check from [redacted], your insurance company, in the amount of $25,077.82. On the date this payment was received, the balance owed on your vehicle loan was $27,213.05. Therefore, the payment from the insurance company was not sufficient to pay off your loan in full. A principal balance of $2,135.23 remained owed on the loan after the payment from your insurance company was received. Since your loan balance was not paid in full the loan remains open with a balance owed. The total loss of your vehicle did not exempt you from making the required monthly payments since we did not receive sufficient funds from your insurance company to pay off the loan. On September 3, 2015, the Bank received and posted a payment of $435.37 which satisfied your payment due on September 3, 2015. On September 9, 2015, this payment was reversed, because you had placed a stop payment on the [redacted]. According to the [redacted] policy agreement, your policy covered the difference between the financed balance on your loan contract and the vehicle’s actual cash value should it be deemed a total loss. However, this [redacted] policy does not include coverage for unearned finance charges, any past due payments, or penalty fees, including late charges, if remained unpaid on the loan. As of September 30, 2015, the Bank has not received a payment from your [redacted] insurance claim. Please note you may have a final payment due after your [redacted] insurance payment is received by the Bank. It is important that you cover the difference that your [redacted] insurance company is not willing to pay. Therefore, we are not willing to reimburse you or make any adjustments to your vehicle loan at this time. Although we sympathize with the difficulties you encountered after your accident, we believe our Total Loss Department has processed the payments received from your insurance company appropriately. If you have questions regarding your total loss claim, please contact the Plan Administrator. [redacted] can be contacted at ###-###-####. I have enclosed a copy of your signed Total Loss Protection Addendum for your convenience and records. It was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matter. You are a valued customer and we hope you will allow us to service you financial needs in the future. 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, Patrick S. Office of the President Pc: Revdex.com Enclosed: Total Loss Agreement

October 31, 2014
[redacted]
[redacted]
[redacted]
 
Re:
Installment Loan[redacted]
                            ...


Dear Ms.[redacted],  
 
We received a copy of your complaint
filed with the Revdex.com, concerning your Fifth Third Bank account.
We appreciate the time you have taken to express your concerns regarding this
matter.  
On behalf of the Bank, I
apologize for any inconvenience this issue might have caused you. When a
customer contacts the Bank we expect each situation will be handled in a
professional manner.  I apologize that
this was not what happened when you initially contacted us.
On
October 27, 2014, the payoff of $[redacted] posted to your account and the late
charge of $[redacted] was waived. An overpayment refund check in the amount of
$[redacted] was mailed separately to the address listed above on October 30, 2014. The
final payoff will be processed within [redacted] business days, and the
installment loan will be closed at that time.
We
have completed our review of the payment history reporting on your credit
report for your installment loan account. Our review determined that the
information provided to the credit reporting agencies is accurate. Our records
do not indicate that the Bank is reporting your installment loan account negatively.
If you
would like to contact the credit reporting agencies directly, their contact
information can be found below:
If after you review the information
being reported to the credit bureaus and you find that the information being
reported is incorrect, please forward details regarding the incorrect
information and a copy of the relevant portion of your credit report that shows
the to the following address:
 
Fifth Third Bank
[redacted]
[redacted]
[redacted]
Alternatively, you can fax this
information to my attention directly at [redacted].
It was not our intention to
cause you any hardship, and we sympathize with the difficulties you have
encountered regarding this account. We believe your issue was resolved
accordingly, and I hope that this
letter will meet your satisfaction.
We appreciate the opportunity to respond
to this matter. If I could be of further assistance to either of you, please
call me directly at [redacted] or toll free at [redacted]. 
 
Sincerely,
[redacted]
[redacted]
Consumer
Resolution Specialist
Office
of the President
 
Pc:
Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted].  I wish I had the information that they had received from the merchant prior to making the complaint to the Revdex.com. I will now follow up with the merchant.  It is unfortunate that Fifth Third Bank did not communicate in a more timely manner.  I had asked for the information on two different occasions.  I will be terminating my relationship with them.  I wish to thank the Revdex.com for their help and consideration.
[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.  
The agent has made several attempts to contact her. She refuses to respond or return phone calls to [redacted] and has made up her mind to steal customers hard earned money after she was provided with the declaration page [redacted] personally created per her specific absurd requests. Once again it was a typed declaration page due to computer error on [redacted]'s end for the month of March and April 2016 that they can not change or alter because fifth Third Bank is well aware that this would be considered insurance FRAUD! She has the declaration page WITH my deductible amounts and coverages which are well above state minimum provided to her just as requested. I'm just glad and appreciative to Better Business Burea to have let this play out in their public forum for potential future customers to witness the wrong doings, negligence, and plain ignorance displayed by Fifth Third Bank throughout this entire complaint! I grant Better Business Burea the right to publish the documents and letter by [redacted] with personal information such as account numbers blacked out. 
Regards,
[redacted]

Hello,
We received the attached rebuttal from Mr. [redacted] regarding his brokerage account with Fifth Third Securities.
The rebuttal does not provide any new information from the customer. Our representatives from Fifth Third Securities have spoken to this customer on the telephone numerous times and  are considering this particular matter closed unless the customer can provide additional information.
[redacted]| Fifth Third Bank 
Consumer Resolution Specialist| Office of the President

[redacted] Date: March 22, 2016 Regarding Your Mortgage Loan Application Dear [redacted]: We received a copy of the complaint filed with the Better Bureau Bureau concerning your recent Fifth Third Bank...

mortgage loan application. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We would like to offer our sincere apologies for any inconvenience this matter may have caused you. Please be assured that Fifth Third Bank takes your feedback regarding your experience very seriously, and I have contacted the relevant parties to pass on your concerns. Our Mortgage Loan Originators strive to provide professional and accurate service to each and every customer they assist throughout the day. I am sorry if your experience did not meet the same high standard. While Fifth Third Bank is a mortgage servicer, FHA (Federal Housing Administration) insures many of the mortgage loans that we originate. The Federal Housing Administration has numerous guidelines we are required to follow for their loan products. If any documentation does not meet FHA guidelines for the loan product then the requirements and disclosures may adjust accordingly or the application may be declined. On December 18, 2015, we received your application for a thirty (30) year FHA mortgage loan for $98,188.00. On December 18, 2015, you were provided with a mortgage pre-qualification letter. It was later determined that you did not qualify for the FHA mortgage loan. When the application was initially submitted, your student loan payments were excluded since the payments were deferred for four (4) years. It was later determined that your student loan payments would need to be included in your debt total, using two percent 2% of the outstanding balance as the monthly payment. Therefore, when the application was submitted again with the student loan payments, you did not qualify for the FHA mortgage loan. I regret that you were told otherwise. Once your concerns were brought to our attention, we contacted senior management in the [redacted] affiliate to review this matter. The decision was made to either offer to reimburse you for the earnest money you put down on a property, if you were unable to get the funds refunded, or to approve you for a new mortgage loan with the same terms as the FHA mortgage loan in which you applied. You advised Shellie S., Mortgage Loan Originator, that you were already refunded for the earnest money and that you decided you are no longer interested in purchasing a home. Please accept our sincerest apologies for the frustration this matter has caused you. We truly value your business and look forward to serving their financial needs in the future. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####. Sincerely, Lisa S. Consumer Resolution Specialist Office of the President Pc: Revdex.com

[redacted] [redacted] [redacted] Date: July 13, 2016 Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Checking and Savings Accounts Dear [redacted]: We received a copy of your complaint filed...

with the Revdex.com (Revdex.com) regarding your checking and savings accounts. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On May 6, 2016, you called our Customer Service Department and spoke to a representative named Robin. You told Robin that you had one (1) checking account and three (3) savings accounts that you had not used for a year and you wanted to close them. Robyn explained that the accounts have to have a zero (0) balance to be closed. She verified that you do not live near any Fifth Third Bank locations. She advised she could send you a closure request form and that we would close the accounts specified after receiving the form back. We would also send a cashier’s check to you for the balance in your accounts. You agreed to this process and Robyn sent the form to you using the address you verified was correct. I was unable to locate record of a previous attempt to close your accounts with the Bank. I was also unable to locate record of additional conversations with our Customer Service Department after May 6, 2016. I am sorry for any distress this may cause you. Personal Banker Odette O. closed your savings accounts ending in [redacted], and [redacted] on June 20, 2016. I confirmed that she closed the accounts per the closure request form that you submitted to the Bank. Ms. O. transferred funds totaling $3.96 from your savings accounts to the checking account. The balance in your checking account increased to $38.70. Ms. O. issued a $38.70 check to your address listed above. If you have not received this check, please contact me directly using my phone number listed below. Ms. O. advised she closed your three (3) savings accounts as well as your checking account that day. However, a review of your checking account does not show an attempt to close the account on June 20, 2016. After the cashier’s check was issued, the balance in your checking account was zero (0). The $11.00 monthly service charge for the checking account processed that day, which resulted in an ending balance of negative ($11.00). The checking account remained open with a negative ($11.00) balance. No additional fees were assessed. Personal Banker Carlos R. advised you called his banking center on June 28, 2016, regarding your accounts. You told Mr. R. that you had been attempting to close the accounts for a long time and you were previously told they were closed. However, your checking account reflected as open with a negative balance. Mr. R. waived the $11.00 monthly service charge and closed your account that day. As of June 28, 2016, you no longer have any open accounts with Fifth Third Bank. [redacted], I am very sorry that your checking account was not closed the same day as your savings accounts. Please be assured that I have contacted the relevant Bank personnel regarding this matter. I also appreciate your feedback to the Bank regarding the difficulties you experienced as it assists us to identify problems so we can improve the level of service we provide to our customers. Your complaint indicated you requested to close your accounts on multiple occasions and because the checking account was not closed, you continued to have $11.00 monthly service charges assessed to your checking account. I was unable to locate a request to close your accounts prior to May 6, 2016. There was an $11.00 monthly service charge assessed on May 18, 2016, and another $11.00 monthly service charge assessed on June 20, 2016. The $11.00 service charge from June 20, 2016, was waived off the account. If you are able to provide additional information, such as the names of the people you spoke to or the dates you spoke to them, I would be happy to further research your concerns. 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 T.Office of the President Pc: Revdex.com