Fifth Third Bank

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.] 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 They did not admit their fault, which bothers me, but they did reverse one of the fees, so I will accept that Regards, [redacted]

[redacted] Date: March 24, Account: [redacted] Re: Revdex.com Rebuttal Dear [redacted] : We received a copy of your rebuttal filed through the Revdex.com dated March 16, 2015, concerning the recent overdraft on your checking accountWe appreciate the time you have taken to document your thoughts and concernsThe Bank's Digital Services User Agreement states that the Bank does not guarantee the accuracy of the information contained on the websiteYou agreed to the Terms and Conditions for Internet Banking and Online Bill Payment when you established online access of your account information through www.53.comInformation cannot always be updated to the website in real timeFor example, fees posted to the account after business hours may not be reflected online until the next business dayI regret any inconvenience this may cause youI have enclosed a copy of the Digital Services User Agreement for your reviewPlease note specifically the second full paragraph on page thirteen (13) [redacted] , It is certainly not our intention to cause you any hardshipYou are a valued customer, and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely, [redacted] Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosure: Digital Services User Agreement

FIFTH THIRD SECURITIES [redacted] Regional Compliance Officer, AVP Fifth Third Securities, Inc [redacted] Direct Dial: [redacted] September 22, [redacted] [redacted] [redacted] RE: Fifth Third Securities, Inc., Brokerage Account #x[redacted] Dear Mr [redacted] : We are writing in response to the complaint you filed with the Revdex.com (Revdex.com) on September 15, 2014, regarding the above-referenced accountIt is our understanding you allege former Investment Executive, [redacted] , did not properly explain the Bank of the West Certificate of Deposit (CD) you purchased October 24, As a result, you are requesting Fifth Third Securities, Inc to reimburse you $We thank you for bringing this matter to our attention, and appreciate the opportunity to respond We have reviewed the matter for a second time, and confirmed that we reimbursed the above-referenced account $ [redacted] as a gesture of customer service on July 2, This credit represented the difference between the purchase and sale of the CD ($ [redacted] ), fees assessed to your account ($***), and interest on your $ [redacted] investment ($ [redacted] )The reimbursement amount for the interest was determined by averaging the given interest rate on various brokerage CDs with similar maturity dates as your [redacted] CDThis calculation was higher than using the interest rate on any Fifth Third Bank checking or savings account Please understand that we do not admit any wrongdoing in connection with the reimbursement, and we did this in order to fully and finally resolve the matterWe consider this matter closed at this time Fifth Third Securities, Incappreciates your business and apologizes for any inconvenience this matter has caused youShould you have any further questions, please contact me at [redacted] [redacted] Regional Compliance Officer, AVP

[redacted] ***Date: May 19, 2015 Account: [redacted] Re: Checking AccountDear [redacted] :We received the complaint you filed with the RevDex.com regarding the collection calls you received for your checking account. We... appreciate the time you have taken to express your thoughts and concerns regarding this matter.We appreciate the feedback you have provided and I apologize if our collection calls have caused you any frustration. Your feedback is important to us, so that we may better understand how we can improve our service to you. Please be assured that all customer feedback is reviewed by our Senior Management as a part of our ongoing commitment to improving our customers' satisfaction.The Bank's guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8:00 AM until 9:00 PM, including holidays. The Bank may make several calls each day in an effort to obtain a payment or to arrange suitable payment arrangements. On behalf of the Bank, I apologize if you were not aware of this information previously. Please note, we reviewed the call log history for calls placed to you and determined that no calls were made prior to 8:00 AM. It was certainly not our intention to cause you any hardship or frustration. It should also be noted that the Bank follows collections calling practices as stipulated by state and federal guidelines.You do have the option of placing a permanent hold on any collections calls that you may receive in the future. In order to place this hold, we ask that you send us a Cease and Desist Letter. The letter must include your name, account number, and written verbiage that states you do not wish to receive any calls from the Bank if your account becomes past due. The letter must also include your signature. You may send this letter to me directly at the address below:Fifth Third BankOffice of the President Attn: [redacted] ***Alternatively, this signed documentation can be faxed to my attention at: ###-###-####.Please note that requesting the Bank cease and desist telephone communications will not stop other collection activity on the account should it become or remain delinquent. If an account has a negative balance for more than fifty-five (55) days, the balance is charged off and the account is closed. A $30.00 charge off fee applies. Charged off balances are reported to ChexSystems and may be transferred to an outside collection agency for further collection efforts. We apologize for the trouble our current collection practices may have caused you.We strive to provide professional and accurate service to our customers, and again I 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, [redacted] Consumer Resolution Specialist Office of the President

March 11, 2015 [redacted] ***RE: Fifth Third Securities, Inc. IRA Brokerage Account for [redacted] Dear [redacted] :We are writing in response to correspondence you filed with the RevDex.com on March 5, 2015, regarding the above-referenced... account. It is our understanding you and your siblings are listed as beneficiaries on the IRA account, and have been having difficulty getting the funds distributed.Specifically, you stated you do not want to open an account at our firm, disclose personal information, and be subject to our firm's fees. We thank you for bringing this matter to our attention, and appreciate the opportunity to respond.Fifth Third Securities uses National Financial Services as our clearing firm. As such, we are required to adhere to their processing guidelines which state a new account be opened before assets can be transferred from a decedent's account to a beneficiary's account. As with any new account opening, we are required to obtain complete information of the account owner. However, once the required account has been established and assets transferred, it is up to the beneficiary to either maintain the newly established account here or move it to another broker dealer of his or her choice. We recognize many beneficiaries may already have relationships established with other firms, and maintaining the beneficiary account here on an ongoing basis may not be ideal. For this reason, we offer to waive or reimburse all fees associated with transferring out beneficiary accounts if they are transferred within 6 months of being established.Fifth Third Securities appreciates your business and we apologize for any inconvenience or frustration that may have occurred. If you have any further questions, please feel free to contact me at ###-###-####.Sincerely, [redacted] Regional Compliance Officer, VP

Re: Disputed charge on checking accountDear [redacted] We received a copy of your complaint recently filed with the RevDex.com, regarding the fraudulent transaction on your checking accountWe appreciate the time you have taken to express your thoughts and concerns Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to respond to your concerns.Per the Rules and Regulations Applicable to All Fifth Third Accounts and Cards (Page 24), that you received when you opened the account, to dispute a transaction on an account you must file a dispute with the BankOnce you file the dispute, it is sent to our Dispute Department for researchThis research can take seven (7) to ten (10) business days to completeWhen the dispute is complete, we will then mail a letter to the address on file indicating the resolutionI have enclosed a copy of the Rules and Regulations for your recordIf we return the dispute in your favor, any applicable overdraft fees would be reversed at that time.After a thorough review of your account, I believe the debit you refer to in your complaint is a PayPal debit on March 2, 2015, in the amount of $You indicated in your complaint that you did not authorize this transaction and have faxed the paperwork in multiple timesI have verified with our disputes department that a fraud case was opened on March 25, 2015, and is currently in processA Case number has been assigned to your disputeThat Case number is [redacted] At any time during the dispute process, you may call the Disputes Department at [redacted] with questionsAdditionally, I was able to verify that they have received a copy of your paperwork and it is on file while they complete their investigationProvisional credit was processed and posted to your account on March 27, On behalf of the Bank, please accept my sincere apologies for any inconvenience the delay in resolving this matter has caused youWe strive to fully research any transactions you dispute in as timely a manner as possible and I sincerely apologize for the difficulties you have encountered.Please be aware that if our research supports your dispute, the provisional credit issued to your account will become final and any related overdraft fees will also be reversedHowever, if our research does not support your dispute or if we receive proof that the transaction was legitimate, we are not willing to issue a credit or reimburse you for any related overdraft fees.The provisional credit will remain on your account while we further investigate the charge, which can take up to ninety (90) daysAt that time, if we do not find the investigation in your favor, we will remove the provisional credit from the account.Mr and Mrs [redacted] , please be assured that it was not our intention to cause you any undue hardship and we regret the difficulties you encountered regarding your checking accountYou are a valued customer and we look forward to assisting with your financial needs in the futureIf I could be of further assistance to you, please contact me directly at [redacted] Monday through Friday, a.mto p.m., ET

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 want all extra charges for towing and other fees eturned to meThey had no right to take my car Regards, [redacted] [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 $and the $are permanent credit Regards, [redacted]

Attached is a copy of our response to the complaint filed by [redacted] ***l We received a copy of the complaint you filed with the Revdex.com datedFebruary 3, 2015, concerning your checking account and the telephone calls youhave received from our Collections DepartmentWe appreciate the time you have taken to express your thoughts andconcerns regarding this matter We strive to provide professional and accurate service to our customers and Iregret that the service you received did not meet that same high standard Customer service is of the utmost importanceto all of us at Fifth Third Bank and we appreciate your feedback as it assistsus in identifying problems in an effort to continuously improve the service weprovide our customers Please be assuredthat we have contacted the relevant parties to express your dissatisfactionwith the service you received and passed on your concerns.We have removed your telephone numbers from our systems in which you will nolonger receive any telephone calls regarding your overdrawn account However, it appears that you made a depositon February 9, for $1,which brought your account balance to apositive balance of $For your convenience, I have enclosed a reference guide titled Fifth Third Overdraft SolutionsThis guide provides additionalinformation related to the overdraft fees that we assessed to your checking account We also offer ways to track your balance andmanage accounts to help avoid overdraft fees on your accounts in the future Within the enclosed document, we also provideinformation concerning overdraft coverage options on your account Should you have any questions regarding theenclosed reference guide, you may contact me directly at the number below I would be happy to assist you.We empathize with the financial difficulties you are experiencing at thistime In the interest of customerservice, we have reversed overdraft charges totaling $on youraccount I can assure you that it was not our intention tocause you any frustration or hardship Onbehalf of the Bank, please accept my sincere apology for any inconvenience orconcern that this matter may have caused you If I could be of further assistance to you,please call me at [redacted] , or toll free at [redacted] [redacted]

Please find attached our response to the complaint filed by [redacted] ***January 23, [redacted] ***Re: Credit Card XXXXXXXXXXXX***Dear [redacted] ***:We received a copy of the complaint filed with the Revdex.com regarding your Fifth Third Bank credit card accountWe appreciate the time that you have taken to document your thoughts and concerns regarding this matter.On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused youPlease be assured that we have contacted the relevant parties to fully research the credit card payment in question and passed on your concernsWe strive to provide professional and accurate information to our customers in as timely a manner as possible.Your credit card account is considered delinquent, and may be blocked for further usage, if we do not receive the total minimum payment by the due date indicated on your monthly statementDuring that time, our Collection Department will attempt to notify you of the delinquent status and will attempt to make payment arrangements.You have several options available if you wish to review your credit card account balance and the minimum payment due including via the Internet at [redacted] visiting your local Fifth Third Financial Center, or by calling our Customer Service Department at ###-###-#### to utilize our Interactive Voice Response system (IVR) or to speak to an agent directly.On October 28, 2014, your credit card account was past due two (2) minimum payments totaling $for September and October We did not receive a payment on that dayTherefore, a late fee of $was assessed to the accountSince your credit card remained delinquent during two (2) consecutive months, the account was revoked and cancelled on November 3, Due to this reason, you are no longer able to use the card even after we received the sufficient payment to return your account to a current state.On November 28, 2014, your credit card account balance was $353.57, with a minimum payment due of $A payment was received on November 8, 2014, for $via our IVR systemThis payment served to satisfy the minimum payment amount due at that timeHowever, this payment did not pay off the full balance on the accountWhen a customer calls into our IVR system, the credit card account menu gives the customer the option to get details of the account balanceThe system will provide the available credit amount, the minimum payment amount and date dueThe IVR system will not provide the full account balance due at that timeI apologize for the frustration this may have caused you Fifth Third Bank, Member FDICEqual Housing LenderFifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp On December 3, 2014, a credit card statement was processed and mailed to you at the address listed aboveThe account balance owed at that time was $with a minimum of $due on December 28, After a review of the payment history for this account, we have determined that a payment has not been received since November 8, As of today, your credit card remains past due with a minimum payment of $due on January 28, I have enclosed the current credit card statement for your review.Please ensure that you make timely payments to prevent any further collection proceedingsTo make additional payment arrangements, please contact our Bankcard Loss Mitigation Group to inquire about any possible repayment options via telephone at ###-###-####, option 3, Monday thru Thursday from 8:AM until 7:PM EST (Eastern Standard Time) or Friday from 8:AM until 4:PM EST (Eastern Standard Time).We sympathize with the difficulties you encountered with our IVR system when you attempted to pay off your credit card balanceTherefore as a courtesy to you, on January 21, 2015, we reversed the late payment fee of $that posted to your account.Thank you for your patience while we conducted our research into your concernsYou are a valued customer and we look forward to serving your financial needs in the futureIf I could be of further assistance to you please contact me directly at ###-###-####, or toll free at ###-###-####.Sincerely, [redacted] Consumer Resolution Specialist Office of the PresidentPc: Revdex.com Enclosure: credit card statement

[redacted] *** December 8, [redacted] [redacted] *** [redacted] ***Re: Enhanced Jeanie Card [redacted] Dear Ms [redacted] , We received a copy of the rebuttal filed with the Revdex.com regarding a disputed purchase that posted to your debit cardWe appreciate the additional time you have taken to document your thoughts and concerns regarding this matterIn response to your previous Revdex.com complaint, a rebuttal dispute was filed for the charge made by Skin in the amount of $The additional investigation into this transaction may take up to sixty (60) days to completePlease accept my sincere apologies for the inconvenience and frustration this matter has caused youHowever, the Bank follows a dispute procedure established by federal regulation and MasterCard itselfRegulation E controls the dispute process for debit cards like your Enhanced Jeanie CardThe regulation provides detailed procedures and deadlines for consumers, banks and other financial institutions to follow when a dispute is made against a transaction on an accountPlease be assured that you will receive notification from our disputes department as soon as their investigation is finalizedMs [redacted] , we appreciate the opportunity to respond to your additional concernsYou are a valued customer, and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please call me directly at [redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the President Pc: Revdex.com

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Thank you so much for taking the time to address my complaintFrom your response, I don't think my complaint was exactly clearI check my bank account online everyday, the $transactions that were returned were listed online in such an order that there were funds to cover them but not for the $atm transactionSo instead of overdraft fee for the most recent transaction listed online, credit card payments were returned and I was charged a total of $for the overdraft feesOn top of $each ofky credit cards are now charging me The order in which items post online are not the actual order the bank follows which is my issueAll other bank accounts that I have lost the transactions online in the order they are processed each dayI did not open my account at a branch, I opened it onlineMy account is also not eligible for any type of overdraft protection at this time Regards, [redacted]

Please see attached for original response [redacted] ***Dear [redacted] :We received copies of your complaints filed with the Revdex.com and the Consumer Financial Protection Bureau, concerning your recent mortgage loan application processI appreciate the time you have taken to document your thoughts and concerns regarding this matter.On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience the delay in processing your mortgage loan application may have caused youPlease be assured that we have contacted senior management to express your dissatisfaction with the service you received and passed on your concernsYour comments expressing less than quality service are very concerning and have been addressed and forwarded to the appropriate personnelWe strive to process mortgage loan applications in as timely a manner as possible and we sympathize with the difficulties you encountered.When applying for a loan, multiple factors are reviewed including the length of the loan, value of the collateral, income and employment verification, and information regarding your financial history that we receive from the credit bureau reporting agenciesIf our review of your application and related paperwork do not meet our required guidelines for lending, we may require additional documentation or your application may be declinedIn addition, an initial pre-qualification does not guarantee that credit will be extended because it does not include full details of a customer’s financial standing.Fifth Third Bank has several policies and procedures in place in order to protect you as a client as well as the Bank from lossFor this reason, we review our loan applications both by an automated system and by an underwriterWhen a loan is to be insured by the USDA we must underwrite the loan file and determine if the applicant, property, and loan meet Rural Development eligibility requirements then submit the approved and underwritten loan file along with all applicable supporting documentation to the USDA for their review.The delays in approving your loan were caused by additional precautions that were necessary due to your previous experience with identity theftWhen reviewing applications involving consumers who have been victims of fraud we have special procedures that require extra steps to verify the identity of the applicant in order to protect the consumer from further harm On September 30, 2014, you applied for a thirty (30) year mortgage loan through USDA (Rural Development Guaranteed Housing Loan Program), for $208,061.00, with a fixed rate lock of three point eight seven five percent (3.875%) costing $in pointsThis charge (points) increased your total settlement charges, but these charges were included in the seller paid closing costs of up to $5,Your loan application was submitted by [redacted] ***s, Mortgage Loan Originator, on the property located at [redacted] ***A Good Faith Estimate for this application was mailed to you on October 1, The GFE gives you an estimate of your settlement charges and loan terms if you are approved for this loanI have included a copy of the GFE with this letter for your reviewThe loan application was denied because we were unable to verify your identity due to a lack of documentation regarding the identify theft you experienced.On October 24th, 2014, we received your second application for a USDA mortgage loanThis application was also submitted for $208,061.00, with a fixed rate lock of three point seven five percent (3.75%) costing $1,in points, on the property located at Silverbell Way with [redacted] ***s, Mortgage Loan OriginatorA Good Faith Estimate for this application was mailed to you on October 26, I have included a copy of the GFE for this application with this letter for your review.On November 17, 2014, your loan was submitted for review with USDAWe received a conditional approval from USDA on November 18, On November 19, 2014, you were notified of the remaining conditions needed for final approvalThe outstanding conditions that were needed to close were documentation of your student loan account, as well as savings account statementsYou were able to work with your loan officer, [redacted] ***s, and obtain the remaining conditions, and your loan received a final approval on November 21, Your closing was scheduled for November 24, 2014, at the Fifth Third Bank, [redacted] .On November 24, 2014, you and I spoke on the phone about a question you had in regards to the interest rate on your loanAs discussed in an email between yourself and your Mortgage Loan Originator, [redacted] ***s, you originally locked in your loan on September 30, 2014, for your first loan application with an interest rate of 3.875%You received a discount of points for signing up for Auto Billpayer and another points discount due to your loan being a purchaseThe net points which were to be paid by the builder ended as after all the discounts, which cost $in pointsThis was on your original good faith estimate that was mailed to you on October 2014.Due to your inquiry about another lender offering a lower rate, [redacted] was able to match their rateTo get the rate of 3.75%, the cost was in points, which is equivalent to $3,However, you received a discount for Auto Billpayer of and a discount for your loan being a purchase of .75, which brought the points down from to .625, equal to $1,300.38, which was paid by the builderThis information was documented on your new Good Faith Estimate that was mailed to you on October 26, 2014.It was certainly not our intention to cause you any stress or undue hardship and I understand your frustration when these situations occurredSince that time, your mortgage closing took place on November 24, As of today, you have an existing Fifth Third mortgage of $208,with the same rate, pricing, and terms as indicated aboveYour first payment of $1,will be due on January 1, We trust that this letter meets with your satisfaction Ms [redacted] , thank you for your feedback and patience as it assists us to continuously improve the level of service we provide to our customersWe strive to provide professional and accurate service to our customers, and I sincerely apologize that this has not been your experienceIf I could be of further assistance to you, please contact me directly at [redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the PresidentPc: Revdex.com and Consumer Financial Protection BureauEnclosures (2): Good Faith Estimate, dated October 1, 2014, Good Faith Estimate, dated October 26,

October 24, [redacted] Re: Credit Card [redacted] Dear Ms [redacted] , We received the complaint you filed with the Revdex.com as well as the Consumer Financial Protection Bureau regarding your credit card accountWe appreciate the time you have taken to document your thoughts regarding this matter Your comments expressing less than quality customer service are very concerningWe strive to provide accurate and professional service and I regret if this is not the level of service you receivedPlease be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received and passed along your concerns On March 8, 2007, Mr [redacted] was approved for a Platinum [redacted] On June 9, 2008, we received a request to add you as an authorized user on the credit card accountWe received the signed authorized user form on July 2, and you were added to Mr [redacted] ' credit card as an authorized user at that timeOn July 31, 2008, we received a request to add you to the credit card account as a joint ownerWe received the signed joint owner form on August 18, 2008, however, this request was deniedUnfortunately, at that time, we changed your status on the credit card to a joint owner in errorI apologize for any frustration this may have caused you We have updated this credit card account to indicate that you are an authorized user and not a joint ownerBeing an authorized user means that you are able to obtain information regarding the account such as recent charges, payment information, and balance informationHowever, an authorized user is not responsible for the debt, is not an account owner, and the account is not reported in the authorized user's name to the credit-reporting agenciesAdditionally, an authorized user is not permitted to request any maintenance to the account such as a replacement card, address change, credit limit change, or due date change We have submitted an update to the credit reporting agencies requesting removal of this account from your credit reportIt may take up to [redacted] for each credit-reporting agency to completely update their reportingIf you would like to contact the credit bureaus directly, the contact information can be found below: [redacted] [redacted] [redacted] [redacted] FIFTH THIRD BANK For your convenient review, I have enclosed copies of the account for the period covering the accumulation of the $balanceIf you have any questions after reviewing these statements, please contact me at the number listed below We appreciate your patience while we researched this matterIf I can be of further assistance to you, please contact me directly at [redacted] Consumer Resolution Specialist Office of the President Pc: Revdex.com Consumer Financial Protection Bureau Enclosures: Authorized User Form, Joint Owner Application, Statements

January 21, 2015 *** ** *** *** *** *** ***
*** ** *** RE: Checking account *** Dear *** ** ***: Thank you for the letter you sent to the Revdex.com regarding your Essential Checking accountWe 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 the level of service you received from our Customer Service DepartmentPlease be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customersAfter receiving your letter, I forwarded your concerns to the relevant parties in our Customer Service Department who thoroughly researched this matterI 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. However, I cannot inform you of any specific internal actions that may be taken. On January 5, 2015, the ending balance in your Essential checking account ending in *** was positive $***On January 6, 2015, three (3) items posted to your account totaling $***Due to insufficient funds in your account, two (2) overdraft fees were assessed totaling $***, which posted to your account the following dayThe ending balance in your checking account on January 6, was negative ($***)The beginning balance in your checking account on January 7, 2015, was negative ($***)On that day, three (3) items posted to your account totaling $***Due to insufficient funds in your account, two (2) overdraft fees were assessed totaling $***, which posted to your account the following dayThe ending balance in your account on January8, 2015, was negative ($***)On January 9, 2015, we received one (1) direct deposit totaling $***The ending balance in your account on January 9, 2015, was positive $***I have enclosed a copy of the Overdraft Notices that were mailed to you for your review. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides additional information related to the overdraft fees that were assessed to your account and various ways to track your balance to help avoid overdraft fees in the futureInformation regarding overdraft coverage and overdraft protection options is also provided on the enclosed documentPlease feel free to contact me directly at the phone number below should you have any questions regarding the enclosed informationI would be happy to assist you. Before closing your checking account, we must be certain that any direct deposits and recurring charges to your account have been canceledOn January 16, 2015, I called you at *** *** to confirm your request to close the account, but was not able to contact you and was unable to leave a voice mail messageIf you still want to close your checking account, please visit your nearest Fifth Third branch so we can be sure that your direct deposit and any recurring charges to your checking account have been canceledI apologize if this is an inconvenience to you. Third Bank, Member FDICEqual Housing LenderFifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp We strive to provide professional and accurate information to our customers and I regret the difficulties you have encountered regarding your accountOn January 12, you received a provisional credit of $*** and $*** while the charges you have disputed are investigatedIf you have questions about these charges specifically, please call our Disputes Department at *** *** and one of the Bank’s representatives will be able to assist you. Mr***, thank you for your patience while waiting for a responseIt is a well-known fact that no business can survive without its customers, and I want to assure you that we truly value your banking relationship with usIf I could be of further assistance to you, please contact me directly at *** *** ** *** *** ** *** *** Sincerely, *** *** Consumer Resolution Specialist Office of the President

October 7, 2014 *** *** *** *** ***
*** ** *** Re: Disputes Case #***Dear Ms***, We received a copy of your complaint filed with the Revdex.com regarding the dispute you filedWe appreciate the time you have taken to express
your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincerest apologies for the difficulties and frustration you experienced regarding your disputed transactionOur records indicate that you filed a dispute with the Bank on July 21, 2014, regarding the $*** purchase from *** *** that posted to your checking account ending in *** on May 12, You explained that you did not receive the item purchasedPlease be advised that disputes of this nature can take sixty (60) to one hundred twenty (120) days to completeAs of October 6, 2014, the dispute is on its seventy-seventh (77th) day of researchAt this time, we are waiting for a response from the merchant regarding the dispute claimThere may not be an update to provide to you while we wait for the merchant’s response. If we require additional information from you while we research the dispute, we will send you written correspondenceIf we rule the dispute in your favor, we will issue a credit on your account for the $*** and any fees resulting from the initial transaction will be waivedRegardless of the outcome of the dispute, we will send you a letter upon resolution explaining that the dispute has been either approved or deniedYour comments expressing less than quality service are very concerning and have been forwarded to the appropriate personnelI apologize for any distress you have experienced related to this disputeHowever, we must ensure that all disputes are investigated within the parameters established by federal regulation and ***. We appreciate your patience while we researched this matter and we value your businessIf I can be of any further assistance, please contact me at *** *** ** *** *** ** *** *** Sincerely, *** *** Consumer Resolution Specialist Office of the President Pc: Revdex.com

October 23,
*** ** ***
*** *** *** *** *** ** ***
Re: Equity FlexLine account ending in ***
Dear Ms***,
We received a copy of the complaint filed with the
Revdex.com regarding your Equity FlexLineWe appreciate the time
you have taken
to express your concerns regarding this matter
We
have completed our review of the information on your credit report and
determined that the information provided to credit bureau reporting agencies is
accurateWhen someone files *** * ***, all accounts are included in
the filingIt is a liquidation of all debtsIn accordance with *** law
and bank policy, all debt must be reported as “discharged” under ***
***, unless a reaffirmation is signed and approved by the courts
Filing *** removes your repayment obligation for
the security agreementWhile you no longer have a repayment obligation on the
security agreement, there are circumstances where the borrower chooses to keep
making payments with the intent to keep the property and prevent collection
efforts against the propertyWe recommend that you speak with your ***
attorney to get more information about your filing
Fifth Third Bank recognizes and respects the discharge
of your personal liability on this debt due to your *** * ***Fifth
Third Bank is not seeking to collect, recover, or offset the debt as a personal
liabilityFifth Third Bank intends only to enforce and collect the debt
against the collateral as permitted by applicable lawThis communication is
only for the purpose of protecting Fifth Third Bank’s rights to enforcement of
the lien on the collateral
We have confirmed that we are not reporting the payment
activity for this account since the account was not reaffirmedWe have not yet
received reaffirmation documentation for your Equity FlexLineTherefore, even
though you are making payments on your loan, there is no payment activity to
report to the credit reporting agencies because you have not reaffirmed the
debt and it was discharged with your ***
On May 12, 2007, you signed a loan modification agreement
with Fifth Third BankThis payment agreement was a loan modification with the
Bank, not a reaffirmation agreementYou agreed to a fixed rate of three point
eight three percent (***%) with a principal balance of $***, which set
the daily interest amount due at that time to $*** per dayThe agreed fixed
payment amount is $***, which is due on the twenty-fifth (25th)
of every month until the maturity date of March 25, However, the majority
of that payment amount has served to pay the interest amount that was due every
monthA very small portion of your monthly payment has paid down the principal
balance owed on the Equity FlexLineThe enclosed payment history will show how
much has been paid to the principal and interest of each payment madeToday,
the principal balance owed on the account if $*** with a daily interest
amount due of $***
If
you would like to apply for an additional loan modification, I have enclosed
the paperwork you will need to complete in order for us to consider any
additional payment optionsWe may be able to approve a loan modification that
will allow more of your monthly payment be applied to the principal balance
owed on your Equity FlexLineYou may mail the completed application along with
any supporting documentation to my attention at:
Fifth Third Bank
Office of the President Attn: ***
*** *** *** *** *** *** *** *** ** ***
Alternatively, you can fax this documentation to my attention:
*** ***
Ms***, we appreciate the opportunity to respond to
your concernsIf you have any additional documentation that you believe
supports a correction to the credit bureau reporting for this account, please
send it to my attention at the address listed aboveIf I could be of further
assistance to you, please call me at *** *** ** *** *** ** ***
***
Sincerely,
*** ***
Consumer Resolution Specialist Office of the
President
Pc: Revdex.com
Enclosure: payment history, Assistance
application

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID***, and find that this resolution is satisfactory to me I wanted my name removed from the collection agency, and from ***, and the balance on my account brought to ***Sad that I had to file a complaint for that to happenI expressed my feelings to the manager when I made the deposit for the item that came through after it seemed to disappearThank you.
Regards,
*** ***

Attach** is our final response to the complaint fil** by *** ***Thank you. January 21, 2015** *** * *** *** ** ***Re: Mortgage Loan *** Dear Mr***,We receiv** a copy of the complaint fil** with the Revdex.com regarding your Fifth Third Bank
mortgage loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter has caus** youWe sympathize with the difficulties that you have encounter**Please be assur** that we make every effort to offer financial assistance options to all of our eligible customers.After a review of your loan file was conduct**, it was determin** that you were not charg** a $*** fee for the process of your hardship assistance applicationOur Collection Department determin** the $*** fee that was charg** to your loan on January 14, 2013, was an attorney fee for foreclosure filingsI apologize if you were told otherwise.We have also determin** that our *** *** *** has clos** your recent file requesting hardship assistanceDuring the application process, they were unable to obtain all the information from you necessary to evaluate your request for hardship assistanceIf you are still interest** in applying for hardship assistance, please contact our Homeowners Assistance Group for an available specialist at *** *** option 2, Monday thru Friday from 8:AM until 7:PM EST (Eastern Standard Time) or Saturday and Sunday from 8:AM until 5:PM EST (Eastern Standard Time).Your account is insur** by the *** *** *** (***)*** requires an initial payment of Mortgage Insurance Premium at loan closing of ***% of the loan amount along with monthly Mortgage Insurance Premium payments.During our review of the enclos** Settlement Statement (***-1), that was part of the documents sign** at your mortgage loan closing, it was determin** that you paid $*** for the up-front Mortgage Insurance Premium (MIP) at the loan closing in accordance with the requirements set by the ***The *** also requires that you pay Mortgage Insurance Premium payments each month as part of your mortgage loan paymentAccording to the enclos** Initial Escrow Account Disclosure Statement provid** to you at the loan closing, $*** for *** MIP is includ** in your monthly mortgage paymentBecause your mortgage loan is a *** loan, the MIP may be cancell** once the loan reaches **% of the loan-to-value (LTV), the MIP premiums have been paid for at least sixty (60) months, and the loan has a good payment history for the prior twelve (12) months. Mr***, please be assur** that it was not our intention to cause you any undue hardshipYou are a valu** customer and we look forward to serving your financial ne**s in the futureIf I could be of further assistance to you, please contact me directly at *** *** ** *** *** ** *** ***Sincerely, *** ***Consumer Resolutions Specialist Office of the PresidentPc: Revdex.comEnclosure: Settlement Statement (***-1), Initial Escrow Account Disclosure Statement

April 24, *** ** *** *** *** *** *** *** ** *** RE: Fifth Third Securities, IncBrokerage Account Dear *** ***: We are writing in response to correspondence you filed with the Revdex.com on April 17, 2015, regarding the above-referenced accountIt is our
understanding you recently liquidated and closed the accountHowever, you were unable to deposit the check as it was still made payable to the custodianWe appreciate you brining this matter to our attention, and the opportunity to respondDuring a review of this matter, we confirmed the account has been established since November 2004, with monthly statements being mailed to the address of record since that timeUnfortunately, since the account is still registered as a custodial account, all funds liquidated from the account have to be payable to the custodianIn order to assist you with your request to have the funds made payable to you, you will need to meet with a Fifth Third Securities registered representative or licensed sales assistant to open a new brokerage account in your nameIn addition to bringing the original check back, you will also need to provide that person with a copy of your driver's license for customer identification purposes and a certified copy of your birth certificate to show proof of ageThe Fifth Third Securities representative will assist you with the letter of instruction to move the funds from the custodian account to your new brokerage accountOnce the funds have been transferred, a new check can be issuedFifth Third Securities, Incstrives to provide professional, prompt, and courteous service to our customer, and we are sorry we did not meet your expectations in this casePlease understand that we take customer service issues seriously, and we hope that your future interactions with any Fifth Third Securities, Incemployee is to your satisfactionFifth Third Securities appreciates your business, and we regret any inconvenience this may have caused you. Sincerely, *** ** ***Regional Compliance Officer, VP