Fifth Third Bank

[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

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]

[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

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]

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.  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]

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]

[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: 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: 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

[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)

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]

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

[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.

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].

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

February 6, 2015 [redacted] A*ministrator [redacted]...

[redacted] Re: [redacted] *ear [redacted]. [redacted]: We receive* a copy of the complaint you submitte* to the Revdex.com regar*ing [redacted]’ installment loan. We appreciate the time you have taken to *ocument your thoughts an* concerns regar*ing this matter, an* we sympathize with the *ifficulties you have experience*. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have cause* you. On January 16, 2015, we receive* an* poste* the payoff of $[redacted] to [redacted]’ installment loan en*ing in [redacted]. It is our un*erstan*ing that the 2012 *o*ge [redacted] was picke* up from [redacted] Auto Auction on January 27, 2015. Because the payoff was a wire payment, we are reimbursing the estate for the $[redacted] in a**e* storage costs pai* to the auto auction as a result of the ten (10) *ay hol*. Please fin* the enclose* check for this amount. I hope this letter meets your satisfaction an* resolves your nee*s. Thank you for your patience while waiting for a response. It was certainly not our intention to cause you any har*ship. If I coul* be of further assistance to you, please contact me *irectly at [redacted], or toll free at [redacted] 
[redacted] Sincerely, [redacted] Senior Consumer Resolution Specialist Office of the Presi*ent 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.  For your reference, details of the offer I reviewed appear  unsastifactory.
 
Again, we were not notified by any communication of escrow reviews. Additionally, Fifth Third reported delinquency to the credit bureaus due to their mis-management of funds submitted. They sent a check back then they put a stop payment on it, after deciding to appropriately apply the funds. Administratively, this took them 34 days and we were penalized for their incompetence handling this matter. 
 
Supporting documentation and two recorded phone calls with their loss mitigation department clearly indicating and acceptance of their faults has now been forwarded to proper legal reprensentation as well as all appropriate governing bodies (local, state and federal). 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  The letter states the $89 and the $10 are permanent credit.
Regards, 
[redacted]