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 was told that I can only dispute transactions made in the past 60 days by Felicia Long, however I was never given a notice of any kind that money was being deducted from my account until it reached a negative balance.  I never elected to close my checking account and never received notice that it had been closed, therefore the business never should have deducted money from my savings account.Also - while Felicia did credit me $20, an additional $5 draft was taken from my account while she was looking in to it.I told Felicia that I would obviously like to have my $156 that I started the account with returned to me, but at a MINIMUM, I would like the $50 that I used to open the account back.  Therefore, Fifth Third may send me a check in the amount of $38.99 and we can consider this resolved.I also feel that Fifth Third was negligent in their handling of my account without giving me proper notices that they were deducting money.  No statements were ever sent to me in the mail, nor by email.  Fifth Third should do the honorable thing and send me a check in the amount of $144.99 for the remaining balance of my former account in full.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  Regards,
[redacted]   I have already been in contact with fifth third office of the president. Shawna is helping me with this matter and has completely reversed all charges and have been no further charges as should have been done in the first place. She said she would send me a letter by mail to say that she had fixed a problem with my account , in my favor. Secondly, I have never been in or communicated with anyone at Fifth Third Main in [redacted].  I don't even know where that branch is so, stop sending me letters saying that I vistited Fifth Third Main.  I'm in process of writing a letter to the Federal Reserve regarding what I was told about regulation E from Fifth Third Bank.  Your policy CANNOT trump regulation E.  I notified you well before your drafted my account.  There is a difference between stop payments and revocation of authorization for and account, and I told heather this and she didn't care to hear it.  Thank you

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. They haven't changed anything or admitted  that my father gave them the correct information and the in put the wrong information.
Regards,
[redacted]

Please find attached a copy of the letter being mailed to the customer today. Thank you.January 15, 2015Karen J. Miller[redacted]Re: Equity FlexLine [redacted]Dear [redacted]Thank you for the follow-up letter you sent to the Office of the President regarding your Equity FlexLine. We also received a copy of the complaint you submitted to the Revdex.com. We appreciate the time you have taken to document your additional 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. However, we stand by the response conveyed to your in our previous letter sent on December 18, 2014. Our position on this matter has not changed.As we explained in our previous letter, there is a non-refundable annual charge of $65.00 assessed each year your Equity FlexLine account remains open for use of the account. Unfortunately, we do not have any record of any exceptions being made to the annual charge that may be assessed per your credit agreement. Please note that the credit agreement states that an annual charge “may” be assessed as opposed to “will” be assessed to allow for State-specific exclusions. North Carolina has no provision that prevents the Bank from assessing an annual charge to an Equity FlexLine.On October 25, 2014, an annual charge of $65.00 was assessed and posted to your Equity FlexLine ending in [redacted]. On November 24, 2014, we received and posted your payment of $65.00 to satisfy the annual charge.It was certainly not our intention to cause you any hardship. However, because the annual charge is non­refundable, we are unable to refund the charge to you. I am sorry for any frustration this may cause you.Please be aware that annual charges will continue to be assessed regardless of current usage until the account is closed. Unfortunately, we are unable to close the account as you requested in your complaint. In order for us to close the account, you need to provide us with a signed written request. You may mail this signed request to the following address:Fifth Third BankOffice of the President Attn: [redacted]      Alternatively, you may fax this signed request to my attention at (513) 358-3493. Please be aware that if you choose to close your account within three (3) years from the date of your credit agreement, which is October 15, 2013, an early termination fee of $300.00 will be assessed to your account.You also expressed concerns that you had to make several trips to the banking center while your Equity FlexLine application was being reviewed. Please note that throughout the application process, our Underwriting Department may request additional documentation to proceed with your application, I am sorry for any inconvenience this may have caused you.Thank you for your patience while waiting for a response. We regret that you feel the need to close your account. 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 (513) 358-1813, or toll free at (866) 360-5353.Sincerely,Elizabeth DraperSenior Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

[redacted] Date: November 21, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your installment loan account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. I confirmed that your vehicle securing the loan opened on June 21, 2016, is a total loss. Please note that you are required to continue to make monthly payments for the loan until the outstanding balance owed is reduced to zero ($0). A copy of your loan contract is enclosed. We received a $10,322.11 payment from your insurance on October 31, 2016. We then received an additional $1,820.47 payment from [redacted] Gap Insurance on November 2, 2016. Insurance payments to cover vehicle loss are first applied to the outstanding principal balance owed on the loan before any of the insurance funds can be applied to interest. Insurance payments to cover the loss are not monthly loan payments as required by your contract, and they therefore do not advance the monthly payment due on the loan. Page two (2) of the contract, section a, states that you agree to pay back to the Bank everything owed even if the vehicle is damaged, destroyed, or missing. Section d states that if the vehicle is lost or damaged, we may use the insurance funds to reduce what is owed on the vehicle. By processing your insurance funds as principal balance reductions, we are reducing the outstanding balance owed. The $239.33 monthly payment for your loan is due by the fifth (5th) of each month. The last monthly payment we received for the loan was $240.00 on September 2, 2016, which covered the payment due by September 5, 2016. At the time we received the first (1st) insurance payment in October 2016, the loan was past due for the October 5, 2016, payment. The account was still past due for the October 2016 payment when we received the second (2nd) insurance payment in November 2016. The next payment we received after September 2, 2016, was $471.32 on November 9, 2016. The funds covered the past due payment owed for October 5, 2016, as well as the payment owed for November 5, 2016. Because the October 2016 payment was received more than thirty (30) days after the due date, the payment will be reported as delinquent to the credit reporting agencies during the next monthly reporting update. Please be advised that the $6.00 late fee we assessed on October 15, 2016, was waived on November 9, 2016. As of November 15, 2016, the outstanding principal balance owed on the loan is $1,966.45. The outstanding interest owed is $1.84, and there are no late payment fees owed. I confirmed that we are still waiting for the warranty refund and the anti-theft contract refund from the [redacted] dealership where the vehicle was purchased. We sent the request for the refunds to the dealership on November 2, 2016. Please be advised that it can take the dealership four (4) to twelve (12) weeks to provide the refunds. You will need to continue making the loan payments until the loan is paid in full. You may wish to contact the dealership directly to verify if they have processed our refund request. If your loan has an overpayment after the dealership refunds are received, we will send the over payment to your address on file within ten (10) business days. If there are still outstanding funds owed at that time, you will need to call your gap insurance company to advise there are funds still owed to pay the loan in full. 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: Contract

Please find attach our response we are sending to the customer today.We received a copy of letter with additionalconcerns filed with the Revdex.com regarding your installment loanaccount. We appreciate the time you have taken to express your thoughts andconcerns regarding this matter. On...

behalf of the Bank, please accept my sincereapologies for any frustration you experienced regarding this matter.In our original response, we mentioned the phoneconversation you had with our office. During that conversation, we discussedthat the Collection Department has several different options available to helpyou pay the loan in full. In order to avoid your car being repossessed or yourloan being charged off, please contact Collection Manager [redacted] directlyat [redacted]. Mr. [redacted] can explain to you the options that we haveavailable so you can determine what will work best for you.You also requested a settlement in your letterto the Revdex.com. On January 14, 2015 there was a payoff lettersent to the above address. I apologize if you did not receive this letter. Ihave enclosed a copy for your records. The maturity date for your installmentloan is February 25, 2015. Again, I would suggest contacting Mr. [redacted] at theabove phone number to discuss options available to you. The last payment receivedon this installment loan posted on September 5, 2014. The loan is currentlyfour (4) months past due.In a default scenario, your signed securityagreement states that the Bank may without notice may enter the premises ofBorrower and take possession of the Collateral on said premises or whereverfound. On January 16, 2015, there was an attempt by the Bank to take possessionof your vehicle. The vehicle was located at [redacted] in[redacted], Ohio. The circumstances surrounding the attempted repossession ofthe vehicle have been reviewed by the appropriate parties and no proceduralerror was found.Your comments expressing less than qualityservice are very concerning and have been forwarded to the appropriatepersonnel. We appreciate your feedback as it assists us in identifying problemsand to continuously improve the level of service we provide to our customers.However, I cannot inform you of specific internal corrective action that may betaken to resolve this matter.We appreciate your patience while we researched this matter. If Ican be of any further assistance, please contact me, toll free [redacted].

[redacted] Date: April 28, 2017 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to hear...

about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. To prevent an overdraft situation, you can review your account at an ATM (Automated Teller Machine), on our website at 53.com, through mobile banking, or by calling our Customer Service Department at ###-###-####. Our toll-free Telephone Banking system is available twenty-four (24) hours and Customer Service Representatives can be contacted at the same telephone number and are available Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m. ET. You are currently opted-in to Overdraft Coverage, which allows ATM and debit card transactions to be made even if you don’t have enough money in your account. You have the option of opting-out of Overdraft Coverage for ATM transactions and one-time Debit Card purchases. If you opt-out and attempt to authorize your card for an amount more than the balance in your account, the transaction will be immediately declined and you will not be assessed overdraft fees for these types of transactions. However, if the Bank is presented with checks, online bill payments, and Automatic Clearing House (ACH) items, we are obligated to make a decision on whether to pay or decline an item, which may cause either an overdraft fee or a return item fee. Customers can change their Overdraft Coverage preference at any time by visiting a Financial Center, online at our website 53.com, or by calling ###-###-####. Overdraft fees are assessed for items that posts while the account is overdrawn. We do not assess overdraft fees on pending transactions and per item overdraft fees will not be assessed if your account is overdrawn by $5.00 or less. Overdraft or return item fees post the next business day after the debits that contributed to the overdraft. An overdraft notice that includes a detailed breakdown of the day’s transactions is generated and sent to the address on file. On April 10, 2017, the beginning balance in your checking account was $358.87. Sixteen (16) debits totaling $616.21 posted to the account. Two (2) overdraft fees totaling $74.00 were charged to the account and they posted the following business day. The ending balance on April 10, 2017, was ($257.34). A cash deposit was made to the account on April 11, 2017, for $200.00. In addition, two (2) debit card purchases posted to the account on April 11. The deposit would not have prevented the already assessed overdraft fees from April 10 from posting to the account. Because the account was overdrawn on April 11, 2017 for ($142.28), the account was charged $74.00 in overdraft fees, which posted to the account on April 12, 2017. The account continued to carry a negative balance until your direct deposit on April 13, 2017. It is important to ensure your accounts have enough funds to cover all of the transactions you have authorized. As a courtesy to you, previous overdraft fees were waived on October 19, 2016, and February 22, 2017. We certainly sympathize with the difficulties you have encountered. In the interest of customer service, I credited your checking account for an additional $74.00 in overdraft fees on April 26, 2017. 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, Alison S.Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
[First of all, I would like to know the exact date the check in question cleared. Secondly, I would like to know how many overdraft charges I have had within the past 12 months. I do not think the bank should place a hold on my check due to overdraft issues. Fifth Third bank charges a hefty overdraft fee of $37 per transaction. In comparison, other banks like [redacted] would give you a grace period to deposit enough funds to avoid the overdraft charge. Fifth Third paid my monthly insurance premium of $300.29 to [redacted] on 7/5/17 but then reversed the charge again on 7/6/17. This caused my insurance payment to be late and a return fee of $25 charged by [redacted] (see attached) . This is not right!]
Regards,
[redacted]

November 20, 2014 
[redacted] 
[redacted] 
[redacted] 
Re:[redacted] 
Dear Ms. [redacted], 
We received a copy of the complaint you submitted to the Revdex.com, regarding the debit card 
associated with...

your checking account. We appreciate the time you have taken to document your thoughts and 
concerns regarding this matter. 
Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my 
sincere apologies for any inconvenience this situation may have caused you. We strive to provide professional and 
accurate service to our customers, and we regret if that has not been your experience. 
Unfortunately, information for your debit card ending in [redacted] has been compromised due to the recent Home 
Depot data breach. Although no Fifth Third Bank systems were compromised, your card account has been 
identified as having a high likelihood for fraudulent activity as a result of this situation. Fifth Third Bank takes 
every compromise seriously and will normally issue replacement cards to protect our customers and minimize 
losses. Item number [redacted] in the enclosed Fifth Third Bank Debit Card Disclosure and Card Agreement states 
that “We may cancel the card at any time without notice. If we do so, all Users will surrender the Cards 
immediately upon our request or the request of our agent. We reserve the right to refuse or terminate your use of 
the Card in our Sole discretion at any time.” 
It should be noted that your current debit card ending in [redacted], will be available to use through January 28, 2015. In 
the interest of customer service, we are willing to consider your request to maintain your current debit card. 
Therefore, please contact me at the telephone number shown below in order to further discuss and review this 
matter. 
However, please be aware that card compromises are serious and should not be taken lightly. If you choose to 
keep this card open, you are assuming the risks involved for any unauthorized charges that may occur. 
Ms. [redacted] , please be assured that it was not our intention to cause you any hardship and frustration. 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 President 
Enclosure: Card agreement 
Pc: Revdex.com

[redacted] [redacted] [redacted] Date: October 19, 2016 Accounts: [redacted] Regarding Your Savings Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your savings account. We appreciate...

the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. A savings account is determined to be dormant if there are no deposits or withdrawals for thirty-six (36) months. On November 19, 2013, your savings account ending in [redacted] was considered dormant because there had not been any deposits or withdrawals in the past thirty-six (36) months. Your November 2013 statement contained the following message informing you of the dormant status: OUR RECORDS INDICATE THAT YOUR ACCOUNT HAS HAD NO ACTIVITY FOR SOME TIME AND FOR YOUR PROTECTION IT IS NOW CONSIDERED DORMANT. FOR MORE INFORMATION ON HOW THIS MAY AFFECT YOUR ACCOUNT, PLEASE CONTACT YOUR BANKING CENTER. I have enclosed a copy of your November 2013 statement for your review. Unfortunately, once a savings account becomes dormant, it is not accessible via Internet Banking or ATMs (Automated Teller Machines). That is why you were unable to complete the online transfers you initiated, or make a deposit into an ATM. In order to activate a dormant account, you need to make a deposit or withdrawal in person at a Fifth Third Bank banking center. I am sorry for any frustration this may have caused you. On October 12, 2016, you made a deposit of $3.00 into your savings account at the [redacted] Banking Center. Your savings account is no longer in a dormant status. On October 13, 2016, you transferred $503.00 from your savings account to your checking account ending in [redacted]. Please keep in mind that if you do not make any deposits or withdrawals within thirty-six (36) months, your savings account will become dormant again in the future. It was certainly not our intention to cause you any hardship. However, we are unable to provide you with any monetary compensation. I would also like to thank you for your feedback regarding the availability of Fifth Third Bank’s services to our customers. Please be assured that our senior and executive management teams review customer feedback to improve our customers’ satisfaction, and your feedback has been taken under advisement. Thank you for your patience while we conducted our research. We 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 Enclosure: Statement

I did not accept the businesses response as they did not acknowledge the individual situation at hand, and gave a lecture about vague information that applies to everyone.  They did not accept responsibility to the fact they did not notify my account changed and there would be a fee of 15.00 service account fee/m which I was never charged before.  I was not notified this would change by the mail, phone, or account online.  They also would not reverse the last service fee charged as a courtesy given the situation. This is unfair to charge a customer 90.00 worth of service fees without notifying them once, especially if the account was never charged service fees for the last 11 years of the account being opened.

[redacted] Date: March 24, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding a recent overdraft on...

your checking account. We appreciate the time you have taken to share your thoughts and concerns regarding this matter. It was certainly not our intention to cause you any undue frustration and we sympathize with the difficulties you encountered with your account. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused Ok you. Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. Our Consumer Contact Center strives to provide professional and accurate service during every telephone call they receive throughout the day. Due to this reason, our Customer Service Professionals will attempt to ensure that every effort is taken to resolve any issue that you bring to their attention versus transferring your telephone call. I am sorry if your telephone call experience did not meet the same high standard. If your available balance is not sufficient to cover items that post to your account, the posted items may be returned unpaid and subject to overdraft fees. The per item overdraft fee is based on the number of occurrences in the last twelve (12) months. For the first occurrence, you will be charged $25.00 per item. For any additional occurrence, the charge is $37.00 per item. Should the account become overdrawn, we also send an overdraft notice via standard mail to inform you of the occurrence, which includes a detailed breakdown of the day’s transactions. I have enclosed a copy of our Rules & Regulations handbook that you received and agreed to when signing a signature card to open the checking account. Pages 2, 11, and 12 provide additional information regarding overdraft and the related fees. Page 2 also explains that a $2.00 fee will be charged for all non-Fifth Third Bank ATM (Automated Teller Machine) transactions. Your checking account became overdrawn on March 14, 2016, when the beginning balance in your checking account was $2,226.28. Five (5) debit transactions totaling $2,228.28 posted to the account that day, creating an ending available balance of negative ($2.00). One of the transactions that posted to your account was a $2.00 non-Fifth Third Bank cash withdrawal fee for the cash withdrawal made at a Jeanie machine. However, your account was not charged any overdraft fees due to this activity because the negative balance was less than $5.00. On March 15, 2016, the beginning day balance in your checking was negative ($2.00). One (1) debit card transaction to Food Barz for $3.11 posted to your account. Your ending day balance was negative ($5.11). Since you did not have enough funds in your account to cover this transaction, your account was charged one (1) overdraft fee of $37.00 on the following day. Because you have already had the maximum of $74.00 in courtesy fee waivers in a twelve-month period, we are unwilling to reverse any additional fees. You may want to consider adding Overdraft Protection to your checking account. We offer several types of overdraft protection. We can connect a second account such as another checking account or savings account, or you can apply for a credit card or equity line, which can be connected to your checking account in order for funds to be automatically transferred in case of an overdraft situation. With Overdraft Protection, you are charged one (1) Overdraft Protection transfer fee of $12.00 instead of an overdraft fee of $25.00 per item for the first overdraft occurrence, or $37.00 per item for each additional occurrence. If you would like more information about Overdraft Protection, please feel free to contact me using the information provided below. You can also visit your local Financial Center or contact our Consumer Contact Center at ###-###-#### to setup Overdraft Protection for your checking account. We appreciate your patience while waiting for a response. You are a valued customer and we hope you will allow Fifth Third Bank service your financial needs for many years to come. 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., EST. Sincerely, Lisa S.Office of the President Pc: Revdex.com Enclosure: Terms & Conditions

October 20, 2014
[redacted]
 [redacted]
[redacted]
Re:[redacted]
Dear Mr. [redacted].,
We received copies of the
complaints you submitted to the Revdex.com and our Board of
Directors, regarding the state to state title transfer...

process for the vehicle
associated with your installment loan account. 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. On behalf of the Bank, please
accept my sincere apologies for any inconvenience this matter may have caused
you. We strive to provide professional and accurate service to our customers,
and we regret if that has not been your experience.
Unfortunately, information
for your debit card ending in [redacted] has
been compromised due to the recent [redacted] data breach. Although no Fifth
Third Bank systems were compromised, your card account has been identified as
having a high likelihood for fraudulent activity as a result of this situation.
Fifth Third Bank takes every compromise seriously and will normally issue
replacement cards to protect our customers and minimize losses. Item number
three (3) in the enclosed Fifth Third Bank Debit Card Disclosure and Card
Agreement states that “We may cancel the card at any time
without notice. If we do so, all Users will surrender the Cards immediately upon our request or the request
of our agent. We reserve the right to refuse or terminate your use of the Card in our Sole discretion at any time.”
After further review and in
the interest of customer service, we will allow your debit card ending in[redacted]
to remain open. Therefore, a replacement card will not be issued for your
account. Please be aware that card compromises are serious and should not be
taken lightly. If you choose to keep this card open, you are assuming the risks
involved for any unauthorized charges that may occur.
Mr. [redacted]., please
be assured that it was not our intention to cause you any hardship and
frustration. 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] or toll free at [redacted].
Sincerely,
[redacted]
Consumer Resolution Specialist Office of the President
Enclosure: Card agreement Pc: Revdex.com Pc: Board of
Directors

[redacted] Date: December 2, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your installment loan account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On August 31, 2006, you agreed to a three hundred (300) month equity line of credit secured by the property located at [redacted] in [redacted], [redacted]. The loan amount you agreed to was $68,500.00 with an interest rate of 9.8%. As listed on the enclosed loan contract, making the $615.33 monthly payment on time each month for the entirety of the loan term would result in funds paid totaling $184,599.00 for the loan. The loan was scheduled to mature in 2031. On September 19, 2011, you agreed to a loan modification, which altered the repayment terms and resulted in a lower monthly payment. The interest rate was reduced to 5% for the first twenty-four (24) months after the modification booked on September 21, 2011. Then, on August 21, 2013, the interest rate would increase to a fixed interest rate of 7.5% for the remaining term of the loan. Additionally, the modification extended the maturity date to April 21, 2033. A copy of the signed modification agreement is enclosed for your reference. Also enclosed is a copy of the payment history for the loan. You contacted our Collection Department on August 22, 2016, and advised that the loan payments had only been posting to interest and not to principal. We determined an error occurred when we booked the 2011 modification. The interest rate was adjusted correctly to 5% in September 2011. When the interest rate should have increased to 7.5% on August 21, 2013, it was increased to 9.8% in error. As a result, the payments were not sufficient to pay off the accruing interest and pay down the principal balance as well. I am very sorry for the error that occurred on your loan. After discovering the error, we completed an amortization schedule for your loan using the correct interest rates to determine what the principal balance should be. An amortization schedule shows what the principal balance of a loan should be based on the interest rate and scheduled monthly payments. We first (1st) calculated an amortization of what the principal balance would be as of August 1, 2016, with the incorrect interest rate of 9.8%. We started with the actual principal balance of your loan of $64,834.49 as of August 26, 2011. The amortization began on September 1, 2011, at a 5% interest rate and then we increased the interest rate to 9.8% effective September 1, 2013. We determined that at the incorrect interest rate, the principal balance of the loan would have been $61,473.48 on August 1, 2016. We then calculated an amortization of what the principal balance would be as of August 1, 2016, with the correct interest rate of 7.5%. We started with the actual principal balance of your loan of $64,834.49 as of August 26, 2011. The amortization began on September 1, 2011, at a 5% interest rate and then we increased the interest rate to 7.5% effective September 1, 2013. We determined that at the correct interest rate, the principal balance would have been $56,738.90. We determined that the difference between the $61,473.48 and $56,738.90 was $4,734.58. This is the amount needed to reduce the principal balance to the correct amount per the correct interest rate. To be sure your account was not under-credited, we added an additional $130.00 to the $4,734.58. As a result, a total credit of $4,864.58 was applied to the principal balance of your loan on September 28, 2016, with an effective date of September 16, 2016. The actual principal balance of the loan at that time was $60,996.29. The credit reduced the principal balance owed to $56,131.71. The interest rate was reduced from 9.8% to 7.5% effective for September 16, 2016, as well, ensuring the loan account will accrue interest correctly moving forward. Because the August 2016 payment had already been made at the time we processed the adjustments so the credit and interest rate change could not be made effective for August 2016. However, per the enclosed amortization schedules, the account was credited for more than what was needed to ensure no extra funds were owed. We confirmed that no additional funds are owed to the account at this time due to the interest rate error. Per the signed loan contract and modification agreement, we are unable to release the loan as you have requested. You may wish to consider contacting our Loss Mitigation Department to apply for assistance, or to verify if the account could be eligible for a short sale. Please contact our Loss Mitigation Department directly at ###-###-####, option number one (1). That department is available to assist you Monday through Friday from 8 a.m. to 5 p.m., ET, and on Saturday from 8 a.m. to 12 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 Enclosures: Note, Modification Agreement, Payment History, Amortization Schedules (2)

[redacted]Date: April 29, 2016Account       [redacted]Regarding Mobile Text AlertsDear
[redacted]:We received a copy of the complaint you filed with the RevDex.com concerning mobile text alerts for your...

Business Basic checking
account.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. Please be advised that the alerts are intended to be used as a
courtesy communication, and the delivery timeframe may be after the event has
occurred rather than at the time of the occurrence. I have included a copy of
the terms and the conditions for both online banking and the mobile text alerts
for your convenience.A review of the alerts you have set up for your account confirmed
that the alerts are working accurately and as intended. Currently, your alerts
are set to notify you if your balance is below $25.00, ATM transaction, debit
card transactions for purchases made at gas stations, international purchases,
online and phone or mail purchases.The low balance alert is intended to provide notice of your
balance based on items posted to your account and cannot alert for pending
transactions. You may want to consider modifying your low balance amount, to
allow you the chance to make a deposit or transfer funds to avoid an overdraft.
We also recommend that you check your account balance regularly to verify your
available balance and pending items against items you have authorized that are
not yet showing (i.e. checks you have written).If an account becomes overdrawn, we assess an overdraft fee for
each item that posts while the account has a negative balance. The Bank
processes transactions at the end of each business day, and per our Rules and
Regulations, the transactions that post to your account are processed in the
following order:Credits and deposits made prior to the end of day cutoff timeATM and debit card transactions in the order they took placeAll other debits, including checks and electronic bill payments, in the order of highest to lowest amountFees and service chargesDebit card and ATM transactions will reflect against your
available balance immediately. Checks and electronic bill payments are
processed at the end of each business day and will not show as pending on your
account during the day.I have reviewed the overdrafts you mention from December 16,
2015, February 7, 2016, and April 18, 2016.Per the overdraft notice sent to you on December 16, 2015, your balance would have reflected negative, once the last transaction at [redacted] was showing on your account, the time stamp shows that this was completed at 4:43 PM.The overdraft notice from February 8, 2016, indicated that the overdraft occurred when check number [redacted] in the amount of $38.50 posted to the account at the end of the business day. The negative balance would not have been visible on your account until the next day.The overdraft notice sent on April 19, 2016, shows the balance was negative with a [redacted] purchase, which was completed at 2:12 PM and was further negative with a [redacted]purchase
at 4:58 PM.For each occurrence, funds deposited at a banking center prior
to closing, transferred online before 9 PM EST, or deposited at a Fifth Third
ATM prior to 7 PM EST would have avoided the overdrafts and associated fees. I
have included a copy of each of the overdraft notices for your convenience.We strive to provide professional and accurate information to
our customers and I apologize if this has not been your experience. As a
courtesy we have waived $74 of your overdraft fees at your request. Please be
advised per bank policy no further overdraft fees may be able to be waived,
unless the overdraft fees are caused by fraud or bank error.We appreciate your patience while we researched this matter. You
are a valued customer and we look forward to serving your financial needs in
the future. If I 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,Shannon K.Office of the PresidentEnclosures: Online Banking Terms and Conditions, Mobile Text
Alerts Terms and Conditions, Overdraft Statements

As a follow-up to our other emails related to this complaint, we have fully responded in writing and the customer is welcome to contact her Financial Center to discuss possible solutions. There is nothing further I can add.  Let me know if this is sufficient to close the case on your end.   Thank you,Alison S.Customer Care Team SpecialistFifth Third Bank | Office of the PresidentPhone: ###-###-####

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]

[redacted]
[redacted]
[redacted]   Date:                           June 15, 2015...

                                        ...⇄   Regarding Your Installment Loan Account     Dear [redacted]:     We received a copy of your complaint filed with the Revdex.com, concerning your installment loan payoff. We appreciate the time you have taken to submit your request.   On behalf of the Bank, please accept my sincere apologies for any inconvenience these matters may have caused you. We strive to provide professional and accurate service to our customers in as timely a manner as possible and we sympathize with the difficulties you encountered with your installment loan.   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 for your installment loan.  Funds received from your monthly payment are first applied to the interest that has accrued since your last payment, and the remaining funds are applied toward principal balance on the installment loan.   The coupon books that the Bank provides to customers include one coupon less than the number of payments for the loan; the last coupon in the booklet states to call the Bank to determine the amount of the final payment.  Since the date that your payment posts to the installment loan effects the amount that is applied toward payment of interest and thus the principal balance, the final payment for your installment loan may need to be adjusted to satisfy the loan.  The payoff amount due for your installment loan would be affected by the following:   Payments made later than the due date (even if within the grace period) Extensions or Skip-a-Pays Pre-payment penalties Late Charges  Your installment loan ending in 7690 originated on October 17, 2009, in the amount of $14,065.25 for a term of sixty-six (66) months. The maturity date for your installment loan is June 20, 2015. Per your request, I have enclosed a copy of the installment loan note and payment history.    You chose to complete a delinquency extension with our Collection Department on March 21, 2011. The delinquency extension removes the requirement to send a payment that month by placing it at the end of the loan. However, it does not stop interest from accumulating on the principal balance that would have been paid with that payment.  Because of the increased amount of interest, the principal balance remains slightly higher over the remaining period of the loan.  This will result in a larger amount required for the final payment.   As of June 15, 2015, the payoff for your installment loan is $428.30. The per diem or amount of interest assessed per day is $0.11. The title for your vehicle will be mailed to the address on file in ten (10) business days after the installment loan has been paid in full.    If you believe that you are experiencing a financial hardship due to your installment loan at this time, you may apply for financial assistance. You may contact our Loss Mitigation Department for an available specialist at ###-###-####, option 4, Monday thru Friday from 8:00 AM until 5:00 PM EST (Eastern Standard Time).   Your feedback is important to us, so that we can better understand how we can improve our service to you. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction.   We hope this correspondence will help you understand Fifth Third Bank’s position going forward. We appreciate your patience while we researched your request. If I could be of further assistance to you please call me directly at ###-###-####, or toll free at ###-###-####.    Sincerely,  [redacted] Office of the President  Pc: Revdex.com Enclosures (2): Note and Payment History

[redacted] Date: April 21, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your Revdex.com complaint, regarding the Stand Up to Cancer promotion...

for your checking account ending in [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. 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 [redacted] Banking Center. 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. The [redacted] Banking Center confirmed that you were provided the disclosures for the Stand Up to Cancer promotion, and that Kimberly W. called you on September 4, 2015, September 18, 2015, October 2, 2015, and on November 4, 2015, to remind you of the cash bonus requirements. Since the online bill payments were not completed in a timely manner, your account did not qualify for the Stand Up to Cancer cash bonus. It is our understanding that Ms. W. informed you that your account did not qualify for the Stand Up to Cancer cash bonus. However, she agreed to research any possible exceptions in order for you to receive the cash bonus. On April 4, 2016, you were informed by the Financial Center Manager that there was no exception for the Stand Up to Cancer cash bonus and your account would not be credited. We have confirmed that the [redacted] Banking Center followed proper procedures and guidelines concerning your checking account. Therefore, we are not willing to credit your account $150.00 for the Stand Up to Cancer cash bonus. We hope this correspondence will help you understand Fifth Third Bank’s position going forward. We appreciate your patience while we researched your request. 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 Pc: Revdex.com

[redacted], I have read the most recent rebuttal from [redacted] and he does not provide any new information from his previous rebuttals.Our position on this matter has not changed. We have been requesting a copy of the Declaration Page showing proof of comprehensive coverage for several months. We have contacted [redacted] directly numerous times and have been provided the same information each time.  I can assure you that his insurance agent has not attempted to contact me directly, as requested in my previous responses. I would be happy to speak to his insurance agent.  My direct phone number has been provided in each of my responses. We still consider this issue closed and will no longer respond to [redacted] unless new information is received from him or his insurance company. Thank you, [redacted]| Fifth Third Bank Customer Care Specialist II| Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263P: ###-###-#### F: ###-###-#### email: [redacted]