Fifth Third Bank

[redacted] Date: September 19, 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 the frustration you experienced regarding this matter. The final payment for your installment loan was received on July 12, 2016. The loan was paid in full and closed that day. On July 20, 2016, we mailed the original title to you using your address on file, which is your address listed above. The title was sent to you via the United States Postal Service (USPS). I confirmed that you contacted the Bank on August 17, 2016, because you had not received the title. You confirmed during that phone call that the address on file was correct. The agent you spoke to advised that the title was sent to you on July 20, 2016. Because you had not received the title, the agent advised she would submit a request to send you a new title and lien release. She then provided you with a confirmation number to confirm the request was submitted, and stated that you could use that confirmation number to call back and check on the request. Please be advised that the Bank held only one (1) copy of your title. Because we already sent you the only title we had, we are unable to send you another. I apologize that the agent advised you a new title would be sent to you. After we send the title to a customer, the only action we can take is to send a lien release that can be used to obtain a new title from the state. We completed the request on August 22, 2016, and sent the lien release to you using your address listed above. You contacted the Bank again on August 24, 2016, because you had not received anything from the August 17, 2016, request. The agent you spoke to advised that we sent the document to you on August 22, 2016, and it could take five (5) to seven (7) business days to receive. You called back on September 6, 2016, because you still had not received the requested documentation, and you spoke to a supervisor named Vernetta. Vernetta confirmed that the August 2016 request was completed on August 22, 2016, but we could not speak to the mail time or why it may not have been received. [redacted], I am very sorry that you did not receive the title we sent to you in July 2016 or the lien release we sent to you in August 2016. I understand that you have wanted to sell the vehicle and obtain a new car but you cannot because you do not have the title. As previously explained, because we already sent the title to you on July 20, 2016, we cannot send another one (1) because that was the only title we had. Enclosed is a new lien release letter we created on September 13, 2016. You can use the enclosed letter to request a duplicate [redacted] title from your local Department of Motor Vehicles (DMV). Per [redacted]’s DMV website, you can obtain a title from the County Clerk. I confirmed via the website that there is an $11.00 fee to request a duplicate title, and there may be additional county fees applicable. Enclosed is an $11.00 cashier’s check to cover the cost of the duplicate title fee. If there are additional costs from the county to obtain the title, please provide proof of the fees paid and we will submit additional reimbursement to you. The documentation can be mailed to our address above. It can also be faxed to my attention at ###-###-####. To ensure that you receive this correspondence, we have sent it to you via the [redacted] ([redacted]) using overnight mail. By sending this communication overnight, it will be tracked and we can confirm when it is delivered. I noticed that the address listed on your complaint with the Revdex.com was listed as “[redacted].” However, the address that you have verified over the telephone with our Customer Service Department is “[redacted].” For this reason, we have sent this communication to the “[redacted]” address. I attempted to contact you on September 15, 2016, using the phone number you provided to the Revdex.com. However, that phone number is no longer in service. I also attempted to contact you at the ###-###-#### phone number that we have on file, but I was unable to reach you. I left a message with my direct phone number for you to call back. I am sorry that I was unable to reach you. 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 Enclosure: Lien Release

[redacted] [redacted] [redacted] Date: April 25, 2016 Regarding Your Mortgage Loan Application Dear [redacted]: We received a copy of your continued complaint submitted to the Revdex.com concerning the origination process associated with your recent mortgage loan application. Please be assured that Fifth Third Bank appreciates the time you have taken to further communicate with the Bank regarding this matter. We sincerely regret any miscommunication that may have occurred when reviewing our previous response; however no credit inquires were agreed to be removed. Please be assured that upon review of your credit report dated November 27, 2015, the prequalification from June 25, 2015 was not present, as it had aged off. I have included copies of our previous communication surrounding this for your records. As stated previously, regarding your request for a reimbursement of the application, appraisal, and other associated fees paid during the course of the mortgage loan application process, as well as fees paid to another lender associated with a new mortgage loan application, we are unable to fulfill this request due to no bank error having been found associated with this issue. Please be advised, this matter is considered closed by the Bank. 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, Sarah S.Office of the President Pc: Revdex.com Enclosures: Previous Response

[redacted] 
[redacted] 
[redacted] Date: April 22, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the 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. Please be advised that the Fair Credit Reporting Act (FCRA) does not require financial institutions to notify consumers that they are being reported as late to the credit reporting agencies. We have completed a thorough review of the payment history being reported to the credit reporting agencies for your installment loan. Our review determined that the information being reported is correct. Your installment loan payment was received more than thirty (30) days late seven (7) times. A copy of your payment history is enclosed for your review. Also enclosed are copies of the late payment notices that we mailed to you for each of the late payments listed on your credit report. The late payments reported are listed below: Due Date Payment Date Delinquency Reported 10/13/2013 11/13/2013 30 Days Late 12/13/2013 1/13/2014 30 Days Late 1/13/2014 2/13/2014 30 Days Late 6/13/2014 7/14/2014 30 Days Late 9/13/2014 10/16/2014 30 Days Late 10/13/2014 11/13/2014 30 Days Late 12/13/2014 1/23/2015 30 Days Late Please be advised that the payment history for the loan is reported each month throughout the life of the loan. The late payments listed on your credit report were not added after the loan was paid in full. We verified that we have not sent any extra updates to the credit reporting agencies outside of the regular monthly account reporting for this account. If you have documentation that shows there were no late payments listed for the account before it was paid in full, please provide copies of this documentation so we can further research your concerns. While we would not be able to remove the accurate late payments from your credit report, we could further research what caused the late payments to not be reported at the time of the delinquencies. The requested documentation can be faxed to my attention at ###-###-#### or mailed to me using my address listed above. 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 Enclosure: Payment History, Note, Late Payment Notices

[redacted] Date: March 23, 2017 Account: [redacted] Regarding Collection Calls Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com). 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. Our records reflect that you opened a vehicle installment loan on December 1, 2016. Enclosed is a copy of the application for the loan as well as the signed contract. The vehicle purchased was a [redacted]. Please note that your name on the contract is spelled “[redacted].” Unfortunately, the name was entered into our systems as “[redacted]” in error. I confirmed that the address and phone number on the application match the address and phone number in our systems. However, the phone number on the application is not the phone number you provided in your complaint. The phone number in your complaint is not on file and is not being called by our Collection Department. Our Collection Department is calling about this account at the phone number ###-###-####. You advised we are calling you in error, and ###-###-#### is the phone number we are calling, which is the phone number on the application. The email address listed in your complaint is the same email address we have on file for the account. I am happy to verify if the Social Security Number (SSN) is yours if you call me using my phone number listed below and provide your SSN. I can verify if it matches our records. If after reviewing these documents you determine the application was submitted in your name fraudulently, please contact your local law enforcement. They are able to assist you with completing the necessary documents for any fraud that may have occurred. You may also wish to file an identity theft report via the Federal Trade Commission. The report can be accessed online at IdentityTheft.gov. Please send copies of the police report and identity theft report to our address listed above. The documents can also be sent to my attention via fax at ###-###-####. If you would like to contact the credit bureaus directly, the contact information can be found below: Equifax ###-###-#### Experian ###-###-#### TransUnion ###-###-#### Innovis ###-###-#### If you determine the account is valid, please contact me directly using my phone number below so that I can update the spelling of your first (1st) name in our systems. Per your request, we have placed a cease and desist on your account so you will no longer receive phone calls from our Collection Department. Please note that this will not stop other collection activity. To maintain the security of your account, I am sending this letter to the address we currently have on record for you. I noticed that the return address you used in your correspondence is different. According to our security protocols, I cannot update your mailing address based upon your correspondence. I encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updated. The Customer Service Department can be reached at ###-###-####. Customer service is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. I can be reached at the telephone number listed below. 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

[redacted] Date: December 7, 2016 Account: [redacted] Regarding Online Payments Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com regarding...

your credit card payments. We appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. 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. Please find enclosed a copy of the Fifth Third Bank card agreement for your account and a copy of the last four (4) credit card statements and a screenshot of your online bill payment activity. Upon receiving your complaint, we contacted our internet banking department with your concerns. Our research has confirmed you have not set-up an automatic recurring payment for your Fifth Third Bank credit card. On September 14, 2016, the Bank issued your credit card statement indicating a balance of $119.11 with a minimum payment of $35.00 due by October 11, 2016. The interest rate for new purchases on this statement was 24.24%. Our research confirmed you set up a manual payment of $119.11 to your credit card on October 6, 2016. The online payment posted to your credit card on October 7, 2016. On October 14, 2016, the Bank mailed your credit card statement indicating a new balance of $146.23 with a minimum payment of $35.00 due by November 11, 2016. The interest rate for new purchases on this statement was 24.24%.Our research determined you did not set up a manual online payment prior to the due date. The Bank did not receive a payment prior to the next statement being mailed on November 14, 2016. Your November 14, 2016, statement indicated a new balance of $193.58, with a minimum payment of $70.00 due by December 11, 2016. The minimum payment included a past due amount of $70.00.The interest rate on this statement is 24.24%. Because you did not make a payment prior to the November 11, 2016, due date, you were assessed a $25.00 late payment and $3.32 in interest on November 14, 2016. On November 22, 2016, you set up two (2) online payments to your credit card. The payments both posted to your credit card the next business day. In addition you set up a payment with the Collection Department and an online transfer with your savings account. In total you mad $444.81 in payments. Please use this letter as verification that you have overpaid your credit card account by $251.23 If you would like information on how to set up a recurring online bill payment or transfer to your credit card account, please contact the Customer Service Department at ###-###-####, or myself at the telephone number below. A customer service representative will be able to assist you with setting up your payment. They are available Monday through Friday, 7 a.m. to 8 p.m.; Saturday 8:30 a.m. to 5 p.m., ET. In your complaint you mentioned that the Bank had imposed a penalty interest rate on your account. Please note page three (3) section twelve (12) item e, which states in part: Penalty APR for Payments Late by 60 Days or More. Subject to Applicable Law, we reserve the right to increase the APR to 29.99% (corresponding Monthly Periodic Rate of 2.49916%) on all new and outstanding Account balances each time we do not receive at least the Minimum Payment Due within sixty (60) days of its Payment Due Date. As noted above, your payment due on November 11, 2016, was not received by the due date; however, you did make a payment within sixty (60) days of the due date. There was no negative information reported to the credit reporting agencies regarding this late payment, and you were not assessed the Penalty APR. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. If I could be of further assistance to you please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosures: Statements MasterCard Agreement Online Bill Payment Activity

[redacted] Date: January 12, 2016 Account: [redacted] Regarding Your E-Access Checking Account Dear [redacted]: We received a copy of the follow up letter you sent to the Revdex.com regarding your E-Access Checking account. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As was explained in my previous response, 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: 1. Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability Policy. 2. Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are received. 3. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges in the order of the largest amount to the smallest amount. Fifth Third Bank ATMs are provided as a convenience to our customers. Since we cannot ensure that all of our ATMs will be available for use at all times, it is important to ensure that you have sufficient funds in your account to cover transactions you authorized. According to my research, any ATM issues or issues with our Frankfort-West Banking Center have been addressed appropriately and in a timely manner by the Bank. I also want to apologize for any inconvenience you experienced when our Frankfort-West Banking Center was being remodeled. Also according to my research, the previous overdraft fee reversals on your account during the last twelve (12) months were performed as courtesy fee reversals. As was also previously explained to you, it is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. If we receive a request to reverse fees as a customer courtesy, we are only able to reverse a limited amount of fees within a specified period of time. The reason for this policy is that it allows us to treat all customers fairly and equally. Pursuant to your previous fee waiver requests, we have reversed $74.00 in overdraft fees over the past twelve (12) months, as a courtesy to you. According to the Bank’s policy regarding overdraft fee reversal requests, additional courtesy fee reversals are not warranted to this time. If I could be of further assistance to you, please call me at ###-###-####, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P. Office of the President PC: Revdex.com

[redacted] [redacted] [redacted] Date: April 14, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com)...

regarding your checking account. We appreciate the time you have taken to express your 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 account was opened with a promotion to receive a $100.00 bonus five (5) business days after receiving a direct deposit of at least $100.00. The direct deposit needed to occur within sixty (60) days of the date the account was opened. Your checking account was opened on September 22, 2014. You received your first (1st) direct deposit on October 2, 2014, totaling $837.78, which was within sixty (60) days of the account open date. The $100.00 should have been credited to your account on October 9, 2014, which was five (5) business days after October 2, 2014. Unfortunately, your account was not credited. Due to the transaction activity on the account, the account reached a balance of negative ($179.93) on December 19, 2014. We assessed a $30.00 charged-off account fee on December 26, 2014, and charged off the negative ($209.93) balance owed. We reported the account activity to [redacted] and sold the account to the third (3rd) party collection agency, [redacted]. I reviewed the account and determined that if the $100.00 bonus had credited correctly, the account would not have had a negative balance on December 26, 2014, and would not have been charged off. The account would have had a $15.28 balance on December 26, 2014. Please be assured that we have deleted the information from your [redacted] record regarding the account. We attempted to buy the debt back from [redacted]; however, [redacted] advised you already settled the account for $125.95. Because you already made payment to settle the account, enclosed is a check for $141.23. This amount covers the $125.95 you paid to Diverse as well as the $15.28 balance that would have been in the account on December 26, 2014. Please allow approximately thirty (30) days for [redacted] to delete the information about your account. If you would like to contact [redacted] directly, they can be reached at ###-###-####. Please feel free to use this correspondence as proof that we deleted the [redacted] record. 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: Check, Statements and Notices

Fifth third bank is in contact with me and working to resolve this issue. Why are you sending me notification that my case is closed?  I have documents to fax to 5/3  in [redacted] and I also want to address their response that I contacted the Fifth Third Main branch here in [redacted] N.C.  I have never set foot in their main branch. I don't ever know where it is.  I am filing a complaint with the federal reserve also about this issue. The bank is in federal violation of regulation e and I want that noted in my Revdex.com file.  Thank You!

[redacted] Date: February 1, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your checking account. We appreciate...

the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties in 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. In the spirit of customer service, we waived the additional $62.00 in overdraft fees that were assessed to your account ending in [redacted] January 10, 2017, through January 12, 2017. I truly hope this resolution meets your satisfaction. I also want to help you understand how items are posted to your account and how fees are assessed to help you avoid overdraft fees in the future. 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: 1. Credits and deposits made prior to the end of day cut-off time and subject to our Funds Availability Policy. 2. Time-stamped debits, such as ATM (Automated Teller Machine) withdrawals and debit card purchases, in the order in which they are received. 3. All other debits, including checks and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges in the order of the largest amount to the smallest amount. Debit card and Automated Teller Machine (ATM) transactions are time-stamped debits and are pre-authorized by us at the time of card use and appear in your account as pending items until they are posted. Other debits such as checks and electronic bill payments are not pre-authorized by us and do not include a timestamp. Therefore, these items will not appear as pending during the day because they are collected during overnight processing. These transactions will post to the statement for the business day they were presented for payment from Fifth Third Bank, the day the payments were authorized by you to be paid. As the customer you are in the best position to know what checks and electronic payments were authorized by you and outstanding on your account. I have enclosed a copy of our current Rules and Regulations for your review. Pages eleven (11) and twelve (12) provide additional information regarding our transaction posting order. On January 9, 2017, the beginning balance in your account was $748.41. Two (2) credits totaling $0.09, and ten (10) debits totaling $953.12 posted to your account on that day. The debit items included six (6) debit card purchases, three (3) ATM withdrawals, and one (1) web initiated payment. Your account had a negative ending balance of ($204.62). When you viewed your account via Mobile Banking on that day, you would have seen the debit card purchases and ATM withdrawals as pending transactions on your account because those types of transactions are time-stamped. However, you would not have seen the web initiated payment as a pending transaction because those types of transactions are not time-stamped and do not appear in your account until they are posted at the end of the business day. Due to insufficient funds for the web initiated payment, one (1) overdraft fee of $25.00 was assessed and posted to your account the following business day. On January 10, 2017, your account had a negative beginning balance of ($204.62). Three (3) credits totaling $209.70 and three (3) debit items posted to your account on that day. The debit items included two (2) web initiated payments and the overdraft fee assessed for the previous business day. Your account had a negative ending balance of ($45.40). Due to insufficient funds for both web initiated payments, two (2) overdraft fees totaling $74.00 were assessed and posted to your account the following business day. Again, please keep in mind that you would not have been able to see the web initiated payments as pending transactions on your account because those types of transactions are not time-stamped. On January 11, 2017, your account had a negative beginning balance of ($55.40). One (1) ATM deposit of $10.00 was credited to your account and three (3) debit items totaling $84.48 posted to your account on that day. These items included one (1) debit card purchase, one (1) web initiated payment, and the overdraft fees assessed for the previous business day. Your account had a negative ending balance of ($129.88). Due to insufficient funds for the web initiated payment one (1) overdraft fee of $37.00 was assessed and posted to your account the following business day. On January 12, 2017, one (1) ATM deposit of $120.00 and two (2) overdraft fee waivers totaling $74.00 were credited to your account bringing your account to a positive balance. I have enclosed copies of the overdraft notices we sent to you for your review. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides information regarding the fees assessed to your account, Overdraft Protection options, and Overdraft Coverage options. Our records also show that you declined Overdraft Coverage for ATM and everyday debit card transactions which means if you attempt to authorize your debit card beyond the balance in your account the transaction will be declined. You have the ability to change your Overdraft Coverage preferences for ATM and everyday debit card transactions online at 53.com, at any Fifth Third Bank banking center, or by calling customer service at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. Thank you for your patience while we researched this matter for you. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Rules and Regulations, Overdraft Notices, Overdraft Solutions Document

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

[redacted] Date: November 4, 2016 Regarding Your Privacy Concerns Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your privacy concerns. We appreciate the time...

you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or distress you experienced when you received a call from Alexis S., Personal Banker, on October 20, 2016. We certainly did not intend to cause you any hardship. Our records show that because you opted out of marketing communications and information sharing on May 10, 2016, the call was made in error. Please be assured that Fifth Third Bank takes protecting your personal information very seriously. In order to better ensure that you do not receive future marketing calls, we have placed notes on your profile indicating that you do not wish to receive these calls that will be visible to all employees in the Bank. Thank you for your patience while waiting for a response. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10467847, and have determined that this does not resolve my complaint.While I appreciate the reversal of the overdraft, my checking of the account balances did not show any Web Initiated fee until the 25th. In addition, I had a positive balance on the 25th after receiving my direct deposit and also making an online transfer to my other debit card, Again, no overdraft fees were showing at this time. 
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]

Revdex.com:
While I appreciate the response from Fifth Third Bank and the credit to our account, 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.  We never received any of the letters sent by Fifth Third Bank notifying us of the added insurance placed on the vehicle without our knowledge.  We physically walk into the bank each month to make our payments and we were never told about the additional fees that were added onto our account.  Even though we did have insurance on our vehicle the entire time.  We tried providing proof of insurance from our old policy from [redacted], but it was not accepted by Fifth Third Bank.  We have no access to any online account to view our loan since we do not physically have a checking and/or savings account through Fifth Third.  Perhaps this would have alleviated our issues if we could have viewed our loan details online and seen the additional charges right away it would not have come to this. We feel this is not up to current industry standards in 2017, we should be able to access our account online at any time.When we called the Repossession Department we were told that it needed to be paid in cash, but we had no idea they really wanted us to pull over $1000+ in cash out of our account and walk it into the Fifth Third Bank branch.  This process also seems to very outdated and downright dangerous. It seems like the cashier's check or money order could have been a valid option, but neither of these were brought up.  Throughout this entire process everyone but the local branch contact was very difficult to deal with and added unnecessary stress to an already stressful circumstance. Even the local branch contact had issues with internal contacts when trying to assist us.We did receive a credit of $1469 for overpayment from Fifth Third Bank which shows that they were in error when reviewing our account. We are still trying to recover for having to pay this large amount of money at one time, and then in turn we're told that we overpaid.  So you can imagine our feelings toward Fifth Third Bank and this whole ordeal. 
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. 
Regards,
[redacted] I have not here from 53th bank in a good way but I have done something for myself and getting your company involved was a good thing and they have taking me off the check system thing so now I can open up a account with the credit union. Thanks a lot for your Help to make things right with me and the check system company.

We have already responded to this customer twice regarding this same issue.This additional rebuttal does not provide any additional information, so we stand by our previous two responses to this customer.Thank you,Lisa S.| Fifth Third Bank Consumer Resolution Specialist| Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263P: ###-###-#### F: ###-###-#### email: [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. 
As of today, July 21st, we have yet again been a witness to how your bank services its clients. My husband, Larry [redacted], received a phone call from Fifth Third stating they have not received our check. The check was sent July 10th after we tried to make a payment over the phone and was told we could not. Please listen to this recording. Matter of fact, please listen to all of them. If you do, you will hear each of your employees telling us a different story every time we've called. We've sent two checks both of which we have copies and forwarded one to you and "you have not received them." Had you received and processed the check properly that was sent prior to my due date, none of this would have occurred. The check you processed in the 24th is the original check we sent prior to our due date. Please explain how it takes at least three weeks for you to get and process a payment. If you had fixed the issues when I brought them to your attention, the payoff amount you issued to our bank, would have been correct and I would not be making EXTRA payments. If the business would have handled it properly without making countless mistakes, we would still have the loan with you. Our bank states it is illegal for you to with hold the lean release after you have cashed the payoff check. Not only are you tarnishing my credit and my husbands, but you are affecting our bank. I will not be sending you another check since I've sent several and it seems to be there is an error within your processing system. If you feel the need to take this further, be my guest. I will contact the creditors myself and fight it. Oh and please Google Fifth Third reviews... This isn't just a problem that has happened once. Revdex.com I would be glad to send you all information I have so this matter is resolved not only for me but others as well.
Regards,
[redacted]

[redacted] Date: March 8, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Essential...

Checking account. We appreciate the time you have taken to document your thoughts and concerns. We completed a review of the Essential Checking account ending in [redacted]. The account was opened on November 27, 2012, at the [redacted]. A check for $2,249.77 was deposited through one of our ATM’s on December 14, 2012. However, after the check was processed on December 14, 2012, it was discovered that the amount of the check was actually $597.53. As a result, the Bank adjusted the deposit by debiting the account for $1,652.24. The remaining account balance after the debit adjustment was $880.62. Please note this activity did not result in a hold being placed on the account or account closure. Our Bank Protection Department received an alert that the check deposited on December 20, 2012 for $540.00, in which you were also a signer on, would be returned as a result of insufficient funds. As a result, our Bank Protection Department began investigating the account activity and placed a hold on your account until their investigation was completed. Our Bank Protection Department determined after their investigation to close and charge off your Essential Checking account. The account was closed on January 4, 2013, with a negative account balance in the amount of ($1,087.12). I have enclosed all of the account statements and overdraft notices for your records and review. The account was reported to [redacted], and further collection efforts continue to be made through [redacted]. If you need additional information or would like to set up payment arrangements pertaining to your account, please contact [redacted] at ###-###-####. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com Enclosure: Statements, Overdraft Notices

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 sent the voice recording as requested and have received no follow up or response, it's been more than a week and I am somewhat frustrated. Would like a followup response. Thank you.
Regards,
[redacted]

[redacted]Date: May 13, 2016 Account: [redacted]Regarding [redacted]Dear [redacted]:We received a copy of the follow up complaint your client filed with the Revdex.com (Revdex.com), regarding his installment loan. We appreciate the time your client has taken to express their concerns regarding this matter.We attempt to prevent our customers from taking any unnecessary losses related to fraud. However, we are not able to detect every fraud or fully prevent a customer from becoming a victim of this type of fraud. Fifth Third is not obligated or in the position to make every loss resulting from such scams whole. Please keep in mind, as the person selling the vehicle, and providing their login information to the buyer, [redacted] had the ability and was in the best position to question the legitimacy of the transactions.It should be noted, the following payments were made via our website, 53.com:• February 3, 2016, online payment for $20,000.00• February 4, 2016, online payment for $1,600.00**Please note this payment satisfied the amount owed on your clients’ installment loan.As mentioned above, the individual making the payments accessed [redacted] internet banking profile using [redacted] user identification and password. Without this information, the fraudster would not have been able to perpetuate the fraudulent transactions.The state of [redacted] requires the Bank to release a vehicle lien within ten (10) days of receiving payment. On February 4, 2016, the Bank issued a paid in full letter to your client. On February 12, 2016, the Bank sent your client a letter indicating we had notified the [redacted] Department of Transportation to remove the lien from the electronic title for your client’s vehicle. I have enclosed a copy of both letters for your records. Since [redacted] is an electronic title state, the State automatically releases our lien upon notification that the installment loan was paid in full. Additionally, the lien free title was mailed directly to your client by the [redacted] Department of Transportation upon release of the lien.   On February 8, 2016, the two (2) payments received on February 3, 2016, and February 4, 2016, were returned to the Bank as unauthorized. The funds were returned to [redacted] Bank on the same day. As we have discussed with your client, we recommend [redacted] to file a police report and claim theft by deception. He should also contact his insurance company and file a claim based on the policy being cancelled as a result of fraud.Our Bank Protection department is willing to assist in providing your client contact information with local law enforcement to begin this process. Additionally, we have enclosed an Application for [redacted] Title. Our research has determined the vehicle is still registered to your client. Upon receipt of the Application for Title, the Bank would be able to place a lien back on the vehicle and assist in an effort to locate the vehicle. If the vehicle is totaled as you and your client have suggested, the salvage value for the vehicle could be placed toward the balance your client owes.Please send the requested documents to the following address:Fifth Third Bank5050 Kingsley Drive Attn: Patrick S. MD: 1MOCOPCincinnati OH 45263Please use this letter, as verification your clients’ installment loan account is open with a principal balance of $19,866.22. The Bank received and processed a payment on April 22, 2016, for $397.26. The next payment for $389.42 is due on May 19, 2016.We have completed our review of your clients’ payment history for your installment loan. Our review determined that the information provided to the credit reporting agencies is accurate. We regret any frustration this may cause [redacted]; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your clients’ request to correct prior negative reporting. We have enclosed a copy of the payment history for your records.Furthermore, the Bank is unwilling to reverse the late charge assessed to the installment loan account on March 5, 2016. The late charge, was a result of your client not making a regular monthly installment loan payment, which he is still obligated to make under the terms of his loan agreement. Your client was sent a past due notice on February 23, 2016. Additionally, our Collection Department made nineteen (19) calls to your client between February 22, 2016, and March 12, 2016, to alert your client of the past due payment. I have enclosed a copy of the past due notice mailed to your client on February 23, 2016, for your review.If your client would like to contact the credit reporting agencies directly, their contact information can be found below:• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-#### It was certainly not our intention to cause your client any frustration and we appreciate your patience while we researched this matter. If I could be of further assistance to you please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, Patrick S.Office of the PresidentPC: Revdex.com Enclosure: Payment History, Paid in full letter, [redacted] Title Application, Past Due Notice