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.  For your reference, details of the offer I reviewed appear below.
While I appreciate the credit and the effort, I don't appreciate Fifth Third Bank charging additional overdraft fees.  Previously, the overdraft fee was much lower (as was the amount needed for deposits, etc.).  Over the past few years, fees have gone up along with the amount of money required for a deposit.  This is indicative of not-so-consumer-friendly banking.
Regards,
[redacted]

[redacted] Date: March 16, 2017 Account: [redacted] Regarding Your Fifth Third Bank Platinum [redacted] Dear [redacted] We received a copy of the follow up complaint you filed with the Revdex.com regarding the above mentioned credit card account. We appreciate the time you have taken to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced. We received your original complaint filed with the Revdex.com on February 15, 2017. We received your follow up complaint on March 5, 2017. Please find enclosed a copy of our previous letter mailed on February 28, 2017. I am sorry if the prior response did not resolve your concerns regarding this matter. On May 2, 2006, we received and approved your application for a Platinum [redacted]. The Bank is only required to keep transaction records for seven (7) years. Please find enclosed the last seven (7) years of statements for your credit card ending in [redacted]. In addition, we have provided a copy of your checking account statement dated October 12, 2013. Please note the $70.00 online payment made September 27, 2013, to your credit card ending in [redacted]. Upon receiving your follow up complaint, we contacted our Dispute Resolution Department who has opened an investigation. The case number is [redacted]. Upon completion of their investigation, the Dispute Resolution Department will notify you in writing of their findings. If you have questions involving their investigation, please contact the Dispute Resolution Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday, 8:30 a.m. to 5:00 p.m., ET. Please reference your case number when contacting the Disputes Resolution Department. Please note, upon completion of the investigation, the Dispute Resolution Department will update your credit reporting based on their findings. 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 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. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosures: Prior Response Credit Card Statements October 12, 2013 checking account statement

[redacted] Date: April 6, 2017 Account: [redacted] Regarding Your Basic Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your...

Basic Checking account. We appreciate the opportunity to respond to this matter. I am sorry that the service provided to you by Fifth Third Bank did not meet your expectations. Per your request, we closed your Basic Checking account ending in [redacted] with a zero ($0.00) balance on April 6, 2017. I have enclosed a check in the amount of $1.00 for the remaining balance in your account. We truly regret that you felt the need to close your account and certainly hope you will reconsider using Fifth Third Bank for your financial needs in the future. Thank you for your patience while waiting for a response. 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: Check

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 personally just spoke to [redacted] my agent (8/19/2016) and she told your office that I did not have a policy for the months of December Janurary and Feburary which I had already told you. The only months you were supposed to inquire about were March and April of 2016. She she confirmed that I DID have coverage on those dates with her office and that she would give me a copy of the letter confirming I had such. She said she never told you I was not covered for those two months but said there was not a separate policy for the dates you questioned about. She did say I didn't have coverage for the 3 months you were not supposed to inquire about. I do have a copy of the letter sent from your office as a response to my original Revdex.com complaint stating your policy was in place for the months of March April and May. 3 months that was it. Nothing was mentioned about December Janurary or Feburary until a letter from the insurance department a month after the first letter. The first letter clearly states only those 3 months. I have also inquired to several different banks and their insurance departments just for customer comparison. I checked with [redacted], [redacted], [redacted], and 2 banks from your city and state [redacted], and [redacted] both located in [redacted] and and not one single bank retro actively charges insurance for dates that have already passed. I did not mention your bank's name as not to alert them to a competitor and I wanted an honest unbiased opinion. 4 of the banks called your practice questionably legal and extremely unethical and a way to kick a customer when they are down. I will not close this matter until you get this right! Your bank is full of errors and I had to correct one 2 days ago in fact! I recieved yet ANOTHER letter on August 1st, sent to the wrong address by the way I had called and given my correct information twice and it still has not been updated in your system, stating you were going to force a 2nd insurance policy because I didn't have full coverage effective currently. I in fact did and my grandmother stayed on the phone with you for a full hour trying to correct your mistake since I can't waste an hour or two daily. I have to work 12 hours a day trying to make ends meat and you are forcing policies on us in addition to the car payment. It was an error in your system and it was proven that we do have current insurance! Again, call [redacted] request a copy of that letter from the OWNER [redacted], of the agency which I asked you to do in the first place in the previous rejection and don't inquire about December Janurary or Feburary because we were not with them on those dates. Only inquire about THE LETTER and the faxed copy you need! I will not be closing this matter of refunding for March and April until it is corrected. My attorney is dealing with December Janurary and Feburary being a retro active charge in March since the letter stated only March April and May so no further discussion should be made in this claim about the other 3 months. 
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: October 27, 2015 Account: [redacted] Regarding Your Equity FlexLine Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning your Fifth Third Bank...

Equity FlexLine. We appreciate the time you have taken to request this information. Please be assured that I have contacted the relevant parties to express your dissatisfaction with the service you received from our Loss Mitigation Department and the outstanding balance owed on your Equity FlexLine ending in [redacted]. We strive to provide professional and accurate service to our customers, and we regret that the service you received did not meet the same high standard. We are very sorry if our attempts to explain the deferred interest during your telephone calls with our Loss Mitigation Department did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. 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. Our records show that the outstanding balance owed on your Equity FlexLine totaling $245.75, is for interest deferred when you agreed to the modification agreement in July 2013. Therefore, this was not a fee assessed for completing the modification. For your review, I have enclosed a copy of the modification agreement. Although we sympathize with the difficulties you encountered, the outstanding balance owed on your Equity FlexLine will not be waived. We understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience this matter might have caused you. We appreciate the time you have taken to bring this matter to our attention. If I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President Pc: Revdex.com

Revdex.com:This modification was recinded during my deployment because my payments werent getting to them in time. This happened over two years ago  and is being reported as it is just happening. My credit has been damaged twice now by one incident over two years ago in the past. When I paid off this car early my account was in good standing and my credit score was over 700. This is fraudulent reporting at best.  If this company is interested in quoting the contract they should point out the portion again where two payments have to be late. The second payment was in the grace period (as the representatives talked about over the phone that no longer exists when referenced here but still did at the time when talking to representatives on the phone). This company changed their phrasing from grace period to penalty free period, which still applied and finally one of the managers with nothing left to say stated that he just wasn't changing it back. The defining criteria when they rescinded the modification was that a payment went past 30 days ( which was no where in the contract). But I am not even concerned about this part of their scam. This is just what they used to pivot and change the issue in their response. I wasn't bringing up past problems with this crooked company, I am complaining about a whole new scam.This company is scamming and back pedaling to justify its actions. My complaint isn't currently about the loan modification that they rescinded, it is about them negatively reporting to my credit the same incident twice as two separate events and reporting it as current when it happened over two years ago and my credit had already been negatively affected as the the business response pointed out. The contract did not specify that my credit would be negatively impacted multiple times by the same incident. Please show that portion of the contract in your fraudulent claim... In closing, my credit has been negatively affected multiple times by one incident that happened over two years ago and is being reported as current. My account was in good standing and paid off early and this company's response to that was to wreck my credit when immediately before I paid off this auto loan they were reporting that everything was in good standing every month. This company had to go so far as removing all of my payment history from my credit reports to be able to justify reporting it as charged off because everything was paid in a timely manner all the way down to zero on my credit reports. How does a company get away with something like this??? I am going to look into finding their registered agent. This isn't right. they shouldn't be able to do this to people and keep hurting them over and over.  [redacted]   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]Date: June 9, 2015 Account: [redacted]Regarding
Emails You Have ReceivedDear
[redacted]:We received a copy of your complaint submitted to the RevDex.com concerning the emails received for your closed mortgage...

loan
account. We appreciate the time you have taken to document your thoughts and
concerns regarding this matter.While we sympathize with the stress and
frustration you are feeling over this matter, we stand by the previous
responses sent to you on this issue. We received a copy of this complaint on
March 19, 2015, dated March 16, 2015, as well as a similar complaint from you
on April 24, 2015, prior to your current Revdex.com complaint we received June 1,
2015. However, our position has not changed from the response conveyed to you
in the previous letters sent on April 10, 2015, and May 8, 2015. I have
enclosed copies of our prior correspondence sent to you for your review.To assist you in resolving your issue, I
ask that you please review the email you have received from ‘[email protected]’ that you sent to us with your first
letter. Please know that this email was sent by a third party who is not
affiliated with or related to Fifth Third Bank in any way. In order stop
receiving these emails, please review the fine print at the bottom and follow
the instructions to unsubscribe.[redacted], we are unable to comply with
your request for compensation, but please be assured that we have fully
researched your concerns and we are confident that Fifth Third has not provided
your personal information to any non-affiliated entities in accordance with our
Privacy Policy, which can be viewed at www.53.com.Sincerely, [redacted]Office
of the PresidentPc:
Revdex.comEnclosures:
Prior response letters

[redacted] [redacted] [redacted] Date: May 4, 2017 Regarding Phone Calls You Received Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding phone calls you received from Fifth Third...

Bank. 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. Please be assured that we have removed your phone number ###-###-#### from our systems and you will no longer receive phone calls from us. I am very sorry for the dissatisfaction you have experienced. I confirmed that on December 22, 2016, someone advised that your phone number was being called in error. A request was submitted to remove your phone number from our systems at that time. However, the phone number was not removed in error. Please be assured that this information has been forwarded to the relevant Bank personnel. I confirmed that the issue that caused this error has now been resolved. 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

[redacted] Date: August 5, 2015 Account:     [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com on July 29, 2015,...

concerning the hold placed on your deposits into your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We strive to provide professional and accurate service to our customers and I am sorry if that has not been your experience. Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers. Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately; the remaining funds will be made available on the second business day. Cash deposited into an account is immediately available. In some instances, we reserve the right to place a hold of a longer period of time on a deposit. The full amount of the deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the seventh (7th) business day after the day of your deposit. This Bank policy is outlined in the Rules and Regulations, which you received upon opening your account. In researching your concerns, we found that a check for $2,600.00, which you deposited at the [redacted] Financial Center, was posted to your account on July 10, 2015. Our system placed a hold on the deposit when it was processed due to the repeated overdraft situations on your checking account. In addition, a check for $3,500.00, which you deposited at the Ferguson Financial Center, was posted to your account on July 27, 2015. You were notified that both of these deposits would be held due to the repeated overdrafts on your checking account. Enclosed please find copies of the letters mailed to you regarding these deposits. Please note that within the last two (2) months, your account had become overdrawn on eleven (11) occasions. Our records reflect that we have reversed a total of $111.00 in overdraft charges on your account in the last month. Therefore, we are not willing to reverse any additional overdraft charges. 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, Carolyn G.Office of the PresidentPc: Revdex.com Enclosure: (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. My father gave them the correct bank information over the phone. The companies representative didn't enter it into their system currently. This caused the issue with September's payment and October's payment.
Regards,
[redacted]

Attached is a copy of our response to the complaint filed by [redacted] November 14, 2014[redacted]
[redacted]Re: Account [redacted] Dear Ms. [redacted] We received a copy of the complaint you filed with the Revdex.com dated November...

6, 2014, concerning the title documentation required for your installment loan account.  We appreciate the time you have taken to express your thoughts and concerns regarding this matter.    We strive to provide professional and accurate service to our customers and I regret that the service you received did not meet that same high standard.  Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers.  Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns.I apologize for the delay in providing the required documentation to you.  When your request for a state change in title was received, the vendor who processes our vehicle title requests, advised that your files still listed you with your married name[redacted]  Therefore, you were advised that we required documentation to prove your name change.  The vendor has since updated their files to reflect your correct name.  As relayed to you in my telephone message on November 14, 2014, the required paperwork was sent via [redacted] on November 14, 2014 to [redacted] and Title at the address outlined in your complaint.  The tracking number for this paperwork is [redacted] We empathize with the frustration you have experienced with this matter.  Therefore, we are refunding the $36.00 fee that was assessed to you for processing the paperwork.  The check was mailed to you on November 14, 2014 under separate cover.  Please contact me at the telephone number listed below if you do not receive this check by November 30, 2014, and I will further research this matter.   I can assure you that it was not our intention to cause you any frustration or hardship.  On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused you.  If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####.Sincerely, [redacted]
[redacted]
[redacted] 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.  The bank merely confirmed that they had no record of the property I purchased being part of what was escrowed with the loan, which is why I filed the complaint in the first place. It was supposed to be escrowed, as discussed during the time of the loan preparation. I was told that it was taken care of when I called Don H. to ask about the tax bills I was receiving. The letter from the bank only restates the issue that I complained about and in no way makes an attempt to resolve the situation.
Regards,
[redacted]

[redacted] Date: February 4, 2016 Regarding Your Mortgage Loan Application Dear [redacted]: We have received a copy of your complaint filed with the Revdex.com. Thank you for the time you have taken...

to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced. Research has determined that you were conditionally approved for a loan with Fifth Third Mortgage Company. However, the property you had selected to purchase was appraised as non-conforming collateral. The subject area the property is located in is zoned as RM or Multi-family residential and if destroyed by a natural disaster would require a variance to rebuild it as a single family home. Rebuilding as a single family home is required under the mortgage you have applied for. Since you were conditionally approved for a mortgage loan with our bank, please let us know if you find another property that fits your needs. We would be more than happy to evaluate the property and see if it meets our conforming requirements. 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. Sincerely, Briggett F.Office of the President

November 4, 2014 [redacted] [redacted] 
[redacted] Re: Checking account[redacted] Dear Ms. [redacted], We received a copy of your complaint filed with the Revdex.com regarding your checking account. We appreciate the time you have...

taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. We are continually working to ensure the funds from your deposits are available in a timely manner while meeting all Federal guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud. On the day of your deposit, a combined $[redacted] from all deposited checks not drawn on a Fifth Third account is available immediately. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday, or a Federal Holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal Holidays. Enclosed for your reference is a copy of the Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards. Pages four (4), eighteen (18), and nineteen (19) provide additional information about funds availability for your personal checking account. The beginning balance in your checking account on October 3, 2014, was $[redacted]. You deposited $[redacted]in cash and a total of $[redacted] in checks to the checking account that day. One (1) of the checks you deposited was the $[redacted] check that you received from [redacted]. You requested $[redacted] of the check deposits back in cash, so $[redacted] of the checks was credited to your checking account. There were three (3) transactions totaling $[redacted] that posted to the account that day, resulting in an ending balance of $[redacted]. Per our funds availability policies, the $[redacted] that was credited your account was not available for use until October 4, 2014. Although we work diligently to prevent fraud perpetrated against the Bank and all of its depositors every day, Fifth Third must also respect certain transactions initiated and requested by our customers. For this reason, funds from check deposits are typically available to spend in your account before we are able to verify if the check is valid. On October 6, 2014, you transferred $[redacted]from your checking account to your Access 360° Reloadable Prepaid Card. The ending balance in your checking account on October 6, 2014, was $[redacted]. The beginning balance in your checking account on October 6, 2014, was $[redacted]. The $[redacted] check that you deposited on October 3, 2014, was removed from the account that day because it was not honored by the paying bank. I apologize for the distress and inconvenience that this invalid check has caused you. As a result of the returned deposit item, we also assessed a $[redacted] returned deposit item fee. The ending balance in your checking account on October 7, 2014, was negative ($[redacted]). Because there were [redacted] funds to cover the returned item, a $[redacted] fee was charged the next business day. The ending balance in your checking account on October 8, 2014, was negative ($[redacted]). On October 27, 2014, we transferred the $[redacted] balance in your savings account to the checking account. This reduced the negative balance to ($[redacted]). We then charged off the negative balance of ($[redacted]), which included a $[redacted]charged-off account fee, and closed the checking account. We sent the $[redacted] balance owed to [redacted] for collection efforts. The balance owed to the Bank was also reported to [redacted]. For your convenience, enclosed is a reference guide titled Fifth Third [redacted] Solutions that provides additional information related to the [redacted] fees that were assessed to your account. Our records do not indicate that you notified us of any potential fraud related to the $[redacted] check you received, nor did you question the check’s validity. We were also unable to confirm that an employee at the financial center confirmed the check was valid and would be paid. We opened an investigation on October 6, 2014, regarding the returned deposit. As a result of that investigation, we advised you that you are liable for checks that are deposited into your checking account if those checks are returned. Please be advised that page fifteen (15), section twenty (20), of the Rules and Regulations explains that the customer is liable to the Bank for deposit items that are returned for any reason. Therefore, we have determined that the balance owed to the Bank for your checking account is valid. If you would like to make payment arrangements regarding the balance owed, please contact [redacted] at [redacted] We appreciate your patience while we researched this matter. If I can be of any further assistance, please contact me at [redacted]. Sincerely, [redacted] Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosures: Rules and Regulations, Returned Deposit Item, Deposit Slip, Fifth Third [redacted] Solutions

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]      Date:   March 12, 2015 Account:          [redacted]     Re: [redacted] Debit Card     Dear [redacted]:     We received a copy of your rebuttal of our letter filed through the Revdex.com dated May, 1, 2015, concerning your [redacted] Debit Card replacement card.  We appreciate the time you have taken to document your thoughts and concerns.   Your comments expressing less than quality service are very concerning and I regret the difficulties you experienced.  I have shared the information you brought to our attention with the management of the Financial Center you mention in your correspondence. Additionally, customer feedback is reviewed with our regional management as part of our ongoing commitment to improving our operations.   It is unfortunate that your [redacted] Debit Card was retained by the Automated Teller Machine (ATM) when you attempted to use it.  Please be assured that it was not our intention to cause you any frustration or an undue hardship.   The Bank does have the ability to send a replacement card via overnight mail.  This process does require approximately five (5) business days as the card must be produced and this process can take more than one day.  The card is then sent out to customer via overnight mail.  However, at the time you required a card to be sent via overnight mail, our vendor was not able to produce a card in a timely manner.   The Bank does use a vendor to produce its bankcards and as stated in my letter to you of April 27, 2015, the delay in getting the replacement [redacted] Debit Card to you was caused by a production delay the vendor encountered at that time.      We empathize with the difficulties you have experienced with your accounts.  However, we are not offering compensation in regard to this matter.  If you were accessed fees for any auto debits that were not processed during this timeframe we will reimburse the fees if documentation of fees is provided.  You may fax this information to my attention at ###-###-####. [redacted], on behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused you.  If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.  Sincerely, [redacted]Office of the President  Pc: Revdex.com

FIFTH THIRD BANK[redacted] Date: March 20, 2015 Account: [redacted]Re: Installment LoanDear [redacted]:We received a copy of the complaint you submitted to the Revdex.com...

regarding your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers' satisfaction.On October 17, 2012, you agreed to a forty-eight (48) month unsecured installment loan of $8,000.00. The funds from the loan were deposited into your checking account ending in [redacted] on that same day. I have enclosed a copy of your loan note and checking account statement for your review. While we understand that the deal to purchase a car fell through, you agreed to the loan amount of $8,000.00 and made use of the funds that were deposited into your checking account. Therefore, we are unwilling to lower your loan amount. I am sorry for any frustration this may cause you.We understand that you are having difficulty making your payments, and you recently applied for hardship assistance. Unfortunately, your application was declined because you did not meet our debt to income ratio guidelines. As of March 16, 2015, your installment loan is past due for your January 2015 through March 2015 payments totaling $638.94. The payoff balance on your installment loan is $4,616.93, with interest accruing by $1.35 daily. In order to make arrangements for payment, please contact our Collection Department at ###-###-####. Any agent will be happy to assist you. Please note that continued failure to make payments may result in additional collection actions. This may include late charges, negative reporting to the credit bureaus, and referring your installment loan to a collection agency or attorney to initiate legal action against you.Thank you for 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 could be of further assistance to you, please call me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Senior Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosures (2): Installment Loan Note and Checking Account Statement

This is beyond frustrating.  On 2/5/16 the first of two charges were made to my Fifth third account in the amounts of $5.99 and $5.95 for skin care products.On 2/11/16 I received a package from "[redacted]" in [redacted], sent regular U S Postal service - not expedited service of any kind.  (note: I have the original packaging).  On 2/22/16 additional charges were made in the amount of  $89.97 and $89.95.  I called the numbers provided by [redacted] and [redacted].  (###-###-#### and ###-###-####) I spoke to the same person for both phone calls.  We discussed the charges and I informed their customer service representative that I did not have the product for 14 days!  She then said she would cancel the accounts and send me confirmation by email.  ( A copy is attached.)  When I read that any ONGOING and future charges were cancelled as "per my request" I was satisfied that the matter was settled.  As well Fifth Third Bank had reversed the charges on my account.3 months later on May 19, 2016 Fifth Third charged my account.  I was in [redacted] at the time for my daughters wedding.  Upon returning home I called Fifth Third on 5/23/16.  they told methat they had recived documentation from the merchants that I had not cancelled.  At that time I faxed the cancellation to them.  I didn't hear anything further from them and called on 7/25/16 and spoke with Kate in their Disputes resolution department.  She told me that the case had been closed and a letter was sent.  I asked for a copy to be emailed.  She could not email it and said she would send a copy.  I did not get it.At this point, I feel the merchant was not truthful as they did not allow a 14 day trial.  I feel I did cancel prior to the 14 days.  (I had the product on the 11th and cancelled on the 22nd)  Unfortunately the web site has been shut down and I cannot confirm the terms and conditions of their offer.  Additionally, I have not received a copy of the letter from Fifth Third dated August 4th and do not have a copy of the response they received from the merchant.I have complied with the offer and cancelled before the 14 days.  I don't think Fifth Third Bank has considered this information and their decision was made without it.That's all I can say.  Hopefully, the bank will take another look at this case and reverse the charges to my account.Respectfully,  [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.  For your reference, details of the offer I reviewed appear below.
As the bank refuses to correct their mistake what may be done now?
Regards,
[redacted]

February 27 2015 [redacted] 
[redacted] Re: Installment Loan [redacted] Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning your vehicle’s installment loan payments. We...

appreciate the time you have taken to bring this matter to our attention, and we sympathize with the difficulties you have experienced. We reviewed the payment history for the installment loan, as well as the original loan agreement and modification agreement. Our review confirmed that the terms of the installment loan modification were breached. The modification agreement entered into in December 2013 states that the loan would revert back to your original payment and interest rate if you became two (2) or more payments past due. There were no payments made on this installment loan between July 16, 2014, and September 5, 2014. The modification was removed from the account on August 29, 2014, because the account became two installment payments past due. Your monthly payment reverted back to the original payment amount of $[redacted], beginning with the September 27, 2014 payment. We regret any frustration this may cause, however we are required to report accurate information to the credit reporting agencies and we are unable to change our reporting unless it directly relates to a bank error. Your installment loan does have a ten (10) day grace period. The grace period does not change your payment due date, the grace period allows you to make your monthly payment within ten (10) days of your due date without incurring late charges. We do not consider the grace period on the loan as the due date for your payment obligations. In your enclosed loan modification agreement, please note section three (3) on page one (1). As mentioned in your complaint, it does state a re-evaluation process upon reaching the maturity date of your loan. If on the maturity date, borrower still owes amounts under the Note, as amended by this agreement, Borrower(s) will pay these amounts in full on the Maturity Date. If a financial hardship continues at this time, Borrower(s) may request a re-evaluation to determine if further modifications can be made. Since, your loan has not reached the maturity date, the Collection department was correct in saying that this was not currently an option for your loan. I have also enclosed a copy of your original loan agreement and installment loan payment history. The enclosed payment history shows that your last payment was received on February 6, 2015. This payment was a partial payment for the amount owed on December 27, 2014. The below chart illustrates the payments made since your loan modification agreement. Fifth Third Bank, Member [redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Payment Amount Payment Payment Past Due Due Date Owed Amount Date Amount 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 directly at [redacted] or toll free at [redacted] Sincerely, [redacted] Senior Consumer Resolution Specialist Office of the President PC: Revdex.com Enclosures (2): History and Modification Agreement Fifth Third Bank, Member [redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp