Fifth Third Bank

[redacted] Date: July 13, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your rebuttal to our response letter filed through the Revdex.com on July 6, 2015. 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. I have enclosed a copy of our current Rules and Regulations for your review. Page 17 provides additional information regarding transaction cut-off times. The business day cut-off time for deposits made through the ATM is 7:00 PM Eastern Time. Notice of this cut-off time is provided on the front of all Fifth Third Bank ATMs. Deposits made after the 7:00 PM cut-off time are not credited until the next business day. A business day is a non-holiday weekday; Monday through Friday. In researching your concerns, we found that your $445.00 deposit was made on Friday, June 26, 2015, through an Automated Teller Machine (ATM) at 8:34 p.m. . Because this deposit was not made prior to the 7:00 PM cut-off time Friday evening, the deposit was not able to be processed until the next business day, Monday June 29, 2015. We are continually working to ensure 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 a customer, and the Bank, from loss or possible fraud. In some circumstances, we reserve the right, per the federal government, to place a hold on a deposit for a longer period of time. Page 18 and 19 of our Rules and Regulations provides information regarding our Funds Availability Policy and these extended holds. The full amount of the deposit will not become available until the hold has ended. Per our Funds Availability Policy, the first $100.00 of the deposit is made immediately available and the remaining balance is made available the next business day. However, an extended hold was placed on your entire deposit of $445.00 due to the repeated overdrafts on your checking account. A letter informing you of this hold was sent to you on June 30, 2015. The funds were made available to you on July 8, 2015. Enclosed is a copy of the letter previously mailed to you. Overdraft fees are assessed the business day after the overdraft occurrence. In your letter you conceded the (2) $37 overdraft fees, one assessed on June 24 and the other on June 25, were not a bank error. These fees were assessed due to overdraft occurrences on June 23 and June 25, respectively. Your ending day balance on June 25, 2015 was negative ($138.06). Because two additional transactions contributed to the overdraft, your account was scheduled (2) $37 overdraft fees to be assessed the next business day. On June 26, these overdraft fees were posted to your account, totaling $74. Because the funds from your $445 deposit were not available for use on June 26, the payment to Comenity for $101.64 was assessed a $37 overdraft fee that posted the next business day, Monday June 29. Our records reflect that an overdraft charge of $49.00 was reversed on your account on June 29, 2015 and a $37.00 overdraft was reversed on June 30, 2015. Therefore, we are unable to reverse any additional overdraft charges. As of July 8, 2015, the balance in your checking account is $437.91. We empathize with the difficulties you have encountered with your account. 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. Carolyn G. Office of the President Pc: Revdex.com Enclosure: Rules and Regulations

The issue has not been resolved due to no reply wether it be through phone contact or via email. I have a negative in my bank account which tells me that I need to dispute it with the company which will not answer my phone call let alone trying to receive an answer

September
18, 2014
 
[redacted]
 
 
Re: Savings Account XXXXXX[redacted]
 
 
Dear Mr. [redacted], 
 
We received a copy of your complaint filed with the Better...

Business Bureau,
concerning your experience with the Financial Center located at [redacted]. We appreciate the time you have taken to express
your concerns regarding this matter.
 
On  behalf of the Bank, we would like to offer our sincere apologies for any
inconvenience this matter caused you. Please be assured that we have contacted
the relevant parties to express your dissatisfaction with the service you
received from the Financial Center.
 
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.
 
Per your request, the savings account ending in [redacted] was closed as of September 15,
2014. We believe your issue was resolved accordingly, and I hope that this letter will meet your
satisfaction.
 
We appreciate the opportunity to respond to this matter. If I could be of further
assistance to either of you, please call me directly at [redacted] or toll
free 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 11827850, and find that this resolution is satisfactory to me.  The company has fixed the error and everything has been adjusted to the correct balance. thank you very much
Regards,
[redacted]

[redacted]Date: April 9, 2015 Account: [redacted]Re: Checking AccountDear [redacted]:We
received a copy of your rebuttal complaint filed with the RevDex.com, regarding the service charge assessed to your checking account. We
appreciate the time you have taken to document your additional thoughts and
concerns regarding this matter.The
requirements to avoid a service charge are listed on the statement issued each
month for your checking account. Our records indicate that you agreed to
receive your statements electronically. Therefore, it is important to review
your account statements online in a timely manner.Please be assured
that the $15.00 service charge assessed on March 16, 2015 was for the statement
period ending on March 13, 2015, not the current statement period scheduled to
end on April 15, 2015. Therefore, no pro-rated refund of the service charge is
required.[redacted], please be assured that it was not our intention to cause you any
hardship or frustration. We appreciate the opportunity to respond to your
concerns. 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
PresidentPc: Revdex.com

[redacted] Date: March 13, 2017 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding...

your final payment for your installment loan. We appreciate the time you have taken to bring this matter to our attention. 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 our senior and executive management teams review customer concerns as part of our ongoing commitment to improving customers’ satisfaction. On February 27, 2017, the Bank received and processed your installment loan payment of $3,165.71. This payment was returned to the Bank on March 3, 2017, by [redacted]. The payment was returned due to an incorrect checking account number being used to make the payment. The checking account number used for this transaction ended in [redacted]. On March 6, 2017, the Bank received and processed your payment of $3,165.71. This payment was made from your account ending in [redacted] at [redacted]. We have confirmed the payment was backdated to February 27, 2017, and you were not assessed any finance charges between February 27, 2017 and March 6, 2017. Please find enclosed a copy of the paid in full letter mailed to you on March 6, 2017. Please note that all titles are processed within five (5) business days from the paid date. This does not include mailing time. The lien is released within five (5) to ten (10) business days from the closed date of the installment loan. If you have not received the lien release by the time you receive this letter, please contact me at the telephone number below and I will have a second document sent to you via overnight mail. Thank you for your patience while we researched this matter for 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 Enclosure: Paid in Full Letter

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 WILL NOT be satisfied until I have received a full refund of $67.00. I did not authorize those payments to come out of my account. Secondly, I was charged an overdraft fee back in March when there was about $200 dollars in my checking account, I made a purchase around $67 at [redacted] and on the exact same day I deposited my payroll check for over $700.00. So, $200 - $67.00 = $133 + $700(deposit) = $833. I don't see why I would have been charged an overdraft fee but I was. Once again, today, June 8 I was just hit with another $37.00 overdraft fee when I did not authorize [redacted] to attempt to take money from my account. I have already paid the monthly payment but Fifth Third Bank keeps allowing for companies to try to pay other companies when there is not enough funds to cover.Fifth Third Bank is by far the worst bank I have ever tried to do business with.
Regards,
[redacted]

Problem: Jennifer M. Contacted Me Several Times The Week Of The 17th- 21st, 2017 Concerning The Free Membership For The Identity Alert Protection. I Register / Enroll Online As Instructed Due To Jennifer M. Canceled Out My Identity Alert For 6.00 Per Month So I Could Enroll For The Free Membership Once I Did That The S S N And Public Records Were Locked. I Notified Jennifer M. About This Matter And Was Told I Would Have To Go In Person To 5/3. Online I Was given My New Membership Number And New Password. And Was Logged In. Now I Can't Get Help With The S S N And Public Records Being Locked Because 5/3 Wants To Pass The Buck Again. I Went To Register My S S N Yet It Would State Did Not Know This S S N Number. 5/3 Is Nice People Yet It's Hard To Get Them To Help You With Something Important As ThisDesired Outcome: Honor The Free Membership For 1 Whole Year Keep My Identity Alert For 6.00 Cancelled. Just Give Me The Free Membership And Have It set Up For Me. Set The Free Membership Up For Me And Please Let The 5/3 Bank In [redacted], [redacted] Know that My New Identity Alert Account Will Be Set Up For Free For 1 Year As The Letter Dated 06/14/2017 . Due To Fraud. No Games To Be Played Please. Like Passing The Buck. No No! Thank You. Jennifer M. Is To Honor The Free Membership In Which I Had Earned. 0.0

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]

[redacted] Date: July 1, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding the overdraft fees assessed to your checking account. We...

appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. 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 next business day. 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. I have enclosed a copy of our current Rules and Regulations. Refer to pages eighteen (18) and nineteen (19) for additional information regarding funds availability. It should be noted that Fifth Third Bank does not determine the date an Automated Clearing House (ACH) transaction is posted to your account. The company or merchant that initiates the ACH transaction provides a collection and settlement date for the item, which indicates when the pur[redacted] will post to your account. If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account is overdrawn. We do not assess overdraft fees on pending transactions. Per item overdraft fees will not be assessed if your account is overdrawn by less than $5.00. The amount of the per item overdraft fee is based on the number of times your account has become overdrawn in the last twelve (12) months. For the first overdraft occurrence, you will be charged $25.00 per item. For each additional occurrence, a $37.00 per item fee will be assessed.On June 22, 2015, the beginning balance for your checking account was $2,874.08. We received your check deposit for $1,258.56 and $100.00 was made immediately available. As a result, the remaining funds totaling $$1,158.56 were not available until the following day. Fifteen (15) items totaling $3,185.13 posted to your account. Therefore, your ending account balance was negative ($211.05). Due to insufficient funds, nine (9) overdraft fees totaling $225.00 were assessed to your account and posted the following day.It is important to ensure that your checking account has sufficient funds to cover the transactions you have authorized. However, in the interest of customer service we reversed $112.50 of the overdraft fees assessed to your account on June 29, 2015.For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage options is also provided on the enclosed document. Please feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you.[redacted], please be assured that it was not our intention to cause you any hardship or frustration. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, [redacted]Consumer Resolution Specialist Office of the PresidentEnclosure: Overdraft solutions flyer Pc: Revdex.com

Please see attached for original response. [redacted]
[redacted]
[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 process. I 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 you. Please be assured that we have contacted senior management to express your dissatisfaction with the service you received and passed on your concerns. Your comments expressing less than quality service are very concerning and have been addressed and forwarded to the appropriate personnel. We 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 agencies. If 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 declined. In 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 loss. For this reason, we review our loan applications both by an automated system and by an underwriter. When 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 theft. When 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 $260.08 in points. This charge (points) increased your total settlement charges, but these charges were included in the seller paid closing costs of up to $5,000.00. 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, 2014. The GFE gives you an estimate of your settlement charges and loan terms if you are approved for this loan. I have included a copy of the GFE with this letter for your review. The 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 loan. This application was also submitted for $208,061.00, with a fixed rate lock of three point seven five percent (3.75%) costing $1,300.38 in points, on the property located at 3046 Silverbell Way with [redacted]s, Mortgage Loan Originator. A Good Faith Estimate for this application was mailed to you on October 26, 2014. 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 USDA. We received a conditional approval from USDA on November 18, 2014. On November 19, 2014, you were notified of the remaining conditions needed for final approval. The outstanding conditions that were needed to close were documentation of your student loan account, as well as savings account statements. You 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, 2014. 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 loan. As 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 .5 points for signing up for Auto Billpayer and another .75 points discount due to your loan being a purchase. The net points which were to be paid by the builder ended as .125 after all the discounts, which cost $260.08 in points. This was on your original good faith estimate that was mailed to you on October 1. 2014.Due to your inquiry about another lender offering a lower rate, [redacted] was able to match their rate. To get the rate of 3.75%, the cost was 1.875 in points, which is equivalent to $3,901.14. However, you received a discount for Auto Billpayer of .5 and a discount for your loan being a purchase of .75, which brought the points down from 1.875 to .625, equal to $1,300.38, which was paid by the builder. This 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 occurred. Since that time, your mortgage closing took place on November 24, 2014. As of today, you have an existing Fifth Third mortgage of $208,061.00 with the same rate, pricing, and terms as indicated above. Your first payment of $1,132.68 will be due on January 1, 2015. 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 customers. We strive to provide professional and accurate service to our customers, and I sincerely apologize that this has not been your experience. If 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, 2014

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. 
Fifth Third Bank,I will contact that dealership and have them forward the letter requested. Thank you for replying, we'll be in touch.

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]
Car title and letter of apology received on Friday 23 June 2017. Thank you, Revdex.com!

[redacted], When we received [redacted]’ first Revdex.com complaint in June 2016, we contacted our insurance vendor to determine the reason for the force placed insurance. Our insurance vendor contacted [redacted] and was provided the attached policy information directly from his agent, Dennia Beard. The policy information that we received clearly shows that the policy was written on March 30, 2016, with a policy effective date of May 24, 2016. Mr. [redacted] has continued to claim that this information is incorrect even though we received the policy information directly from [redacted].When his additional complaint was received, our insurance center contacted his agent and was told verbally that the policy was written on March 30, 2016, with an effective date of May 24, 2016, as stated on the policy information that we received. When we received an additional Revdex.com complaint requesting that we contact his insurance agent, I personally called his agent and was told over the phone that a policy was written on March 30, 2016, with an effective date of May 24, 2016, again confirming the information that was provided to our insurance center initially.When [redacted] recently provided the Certificate of Liability Insurance document, our insurance center reviewed the document provided and realized that the effective date was different from the initial policy information provided by [redacted] in June 2016. Therefore, our insurance center contacted his insurance agent directly to confirm the policy information. Once again we were told over the phone by [redacted]’ insurance agent that the policy was written on March 30, 2016, but the vehicle held for collateral by Fifth Third Bank did not have comprehensive coverage until May 24, 2016. The information that we have provided [redacted] throughout this process has not changed. The documentation provided by [redacted] and the information provided verbally from his insurance agent all confirm that a policy was written on March 30, 2016, but the comprehensive coverage was not effective until May 24, 2016.Our position in this matter has not changed. We consider this issue closed and we will no longer respond to [redacted] regarding this matter. Thank you, [redacted]| Fifth Third Bank Customer Care Specialist II| Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263

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. YES THE COMPLAINT HAS BEEN SETTLED THEY SENT ME A BOOK OF RULES. THEY CAN DEPOSIT ANY CHECK AND STOP PAYMENT ANY TIME THEY WISH. THEY COULD HAVE BEEN DECENT PEOPLE LIKE IS EXPEXTED OF THEM.
Regards,
[redacted]

[redacted]Date: April 22, 2015 Account: [redacted]Re: Revdex.com Complaint ID # [redacted]Dear [redacted]:We received a copy of your complaint filed with the Revdex.com regarding disputed transactions on your checking...

account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter.On February 6, 2015, a deposit in the amount of $7,161.00 from the IRS for your tax refund, credited your checking account ending in [redacted]. While researching your concerns, we were able to locate one (1) large withdrawal in the amount of $4,000.00 that came out of your account on the same day, February 6, 2015. This withdrawal was transferred online to a savings account ending in [redacted], belonging to both you and your husband, [redacted]. On February 19, 2015, a withdrawal was made in cash out of that joint savings account by [redacted], in the amount of $3,500.00. Additionally, on February 19, 2015, a withdrawal was made in the amount of $900.00 from your checking account ending in [redacted], by [redacted]. These two (2) transactions happened at the same time on the same day at the same Banking Center. We compared the signature from the withdrawals to the signature card for both checking and savings accounts and it was a match. Because [redacted] is a joint owner on these accounts, we cannot credit your account for the withdrawals that were initiated by him.Between February 17, 2015 and March 17, 2015, a total of $3,513.14 was transferred out or your checking account ending in [redacted] in the form of nineteen (19) separate transactions, initiated by the co-owner of your accounts, [redacted]. These transactions were online transfers to three (3) separate accounts that [redacted] owns. It should be noted that there were five (5) transfers into your checking account during that same timeframe, totaling $1,700.00.There were also six (6) ATM withdrawals made during February 17, 2015 and March 17, 2015, totaling 557.50. If you have questions concerning any of these transactions, please feel free to contact me at the number below and I would be happy to help you as much as our privacy policy allows. If [redacted] would like to dispute any of these transactions, he can do so at any of our Banking Centers or by calling ###-###-####.[redacted], we appreciate your patience while waiting for a response, and we sympathize with the difficulties you have encountered regarding your account. You are a valued customer and I appreciate this opportunity to address your concerns. 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

[redacted] Date: June 14, 2017 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the [redacted] ([redacted])...

and the Revdex.com (Revdex.com) regarding your installment loan account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On February 2, 2017, you agreed to a sixty (60) month vehicle installment loan in the amount of $17,963.89 with an interest rate of 2.990%. Enclosed for your reference and review is a copy of the signed contract for the loan. Your loan is a simple interest loan, which means interest accrues each day on the unpaid principal balance. Each day that passes with a principal balance will result in additional interest that must be paid to pay the loan in full. When a customer wants to pay a loan in full, it is imperative that the customer contact the Bank and request a payoff quote. The payoff quote will include all funds needed to pay the loan in full and close the account, including interest owed and any fees. Vehicle loan payoff quotes also include the per diem interest amount, which is the amount of interest accruing each day based on the principal balance owed at that time. The customer must add additional funds based on the per diem amount for each day through the date of the receipt of the payoff funds by the Bank. We were able to review your phone call with our Customer Service Department on April 14, 2017. You asked the representative if you could make a payment to the loan using a credit card account, to which the agent advised you could not. You then asked if you paid the exact amount of the loan if the title would be sent to you. The representative advised you that the $17,708.42 was just the outstanding principal balance, and a $17,708.42 payment would not pay off the loan. You did not request a payoff quote during your phone call with customer service, therefore, a payoff quote was not ordered. We received your $10,000.00 principal only payment on April 14, 2017, which reduced the outstanding principal balance from $17,708.42 to $7,708.42. We then received another principal only payment of $7,708.42 on April 17, 2017. This reduced the outstanding principal balance owed to zero (0). However, the payments you submitted were not sufficient to cover the outstanding interest owed that had accrued on the unpaid principal balance since your last monthly payment on March 20, 2017. As a result, the loan could not be paid in full and closed. Because the loan was not paid in full, we did not initiate our lien release for the vehicle. Due to the outstanding balance still owed, a payment was due on April 19, 2017. We did not receive the required payment within the fifteen (15) day grace period; therefore, a $1.91 late fee was assessed. We certainly understand it was your intention to pay the loan in full. We reapplied the $7,708.42 payment as a regular payment effective as of April 14, 2017, when the payment was received. This satisfied the payment that was due for April 19, 2017, with the remainder of the funds going to principal. We waived the $1.91 late fee, as well as a $5.00 coupon book fee that was assessed for an additional coupon book requested on March 20, 2017. The remaining amount owed on the loan after we reapplied the payment was $32.15, which we waived. Please be assured that your loan is now paid in full and closed as of June 9, 2017. We will release our lien and send a lien-free paper title to your address listed above. This process will occur within ten (10) business days of June 9, 2017. 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: [redacted] Enclosures: Note, Payment History

February 25, 2016 DearApril Q.: We have received a copy of your letter dated February 11, 2016 in addition to a copy of our mortgage agreement. We appreciate the time you have taken to respond to some of our requests. We reference you to Exhibit A, a letter from you dated January 22, 2016 that states we would have a response mailed to us within fifteen (15) to twenty-five (25) days. Please note that your response was received to our PO Box on February 21, 2016 which is in excess of the time frame noted in your letter. Thank you for your review of the United States Postal Service Receipts that we supplied to you. We have to pay additional monies in order to insure us the security that our payments are being received when they are delivered. You state in your letter that the receipts provided list expected delivery dates, which are not guaranteed. Finding it odd for the Federal Government to offer a two-day (2) mailing service and charge the consumer for something that is not guaranteed we took it upon ourselves to further investigate. We bring your attention to Exhibit B. We spoke with the post master of the [redacted] post office, which is a branch of the United States Postal Service. We were provided and advised that all bar codes that are on the receipts, in which we supplied to you are scanned and signed for, just like shown in the exhibit. Fifth Third has the abilities to go on line under the USPS tracking and pull up all tracking to show when you received our payments vs. how long it took Fifth Third to cash check. Thank you for reviewing our payment history and believing that there was no bank error, but we are forced by evidence to disagree. It is not our error for the poor management by the bank in how long it takes for your employees to process our payment. It is odd that in review of your letter dated February 11, 2016 all the alleged "30 day" late payments are literally alleged at (1) one day late. This brings us back to our first paragraph in this letter. Which then brings us to our monthly increase of ($400) four hundred dollars a month due to "low escrow", and the added stress due to poor management of our account. Which leads to ask the question on how Fifth Third determines a payment is "late". is it determined by receipt of the check by Fifth Third bank? or is it determined by when the check is cashed? Either way I would like documentation to that effect so going forward there is no confusion. On January 26, 2016 your Escrow Department updated our escrow portion of the monthly payment to reflect the insurance premium. Because of this, effective February 1, 2016 we received a new mortgage payment of $3124.01. This request for an Escrow review, was made via telephone to Fifth Third Bank back in July 2015. At that time we advised the Fifth Third representative of our new Home Owners carrier, [redacted], along with the reduction of premium. Our request went unacknowledged. Fifth Third Bank, alleges that upon review of our escrow account, you then issued a Home Owners payment to Tri-State Consumer on August 3, 2015 in the amount of $2097.00. and was returned by Tri-State Consumer to Fifth Third on August 27,2015, due to the Fifth Third Bank error. Fifth Third Bank then on September 18, 2015 decided to review our request for the escrow account to be reanalyzed and determined a reanalysis was not require. This does prove that Fifth Third received our request in July 2015 but took (2) two months for Fifth Third Bank to complete. Please refer to Exhibit C (2) two letters dated January 26,2016 from Fifth Third Bank. These letters state "we have corrected the amount of your monthly payment". Fifth Third Bank admits to bank error once again. We spoke on February 22, 2016 and we advised you that on our Mortgage Loan Statement dated 2/11/2016 for our March 2016 statement there was a charge for a past due payment of $6.13. Please refer to Exhibit D. As such our January 11, 2016 statement did not note this "past due payment"? Also our conversation with you in January 2016 you advised that our account was current. Also our February 8, 2016 payment was cashed on February 12, 2016 which is prior to the (15) Fifteenth of the month. So why would this "past due payment" be reflected in March but not February? Another Fifth Third Bank error? Fifth Third Bank has also supplied us on our Mortgage Loan Statement dated 2/11/16, please refer to Exhibit E that there were "Unapplied funds" posted to our account on January 25,2016. Further explanation of these "Unapplied funds" and what these funds are, are being requested. On behalf of my husband [redacted] and I we are unable to accept apologies from Fifth Third Bank due to their poor handling of our mortgage account. We have owned (3) three homes and (2) two currently and have never incurred these issues over the past (18) eighteen years. Should Fifth Third wish to do the right thing and provide quality customer service to us as the consumer we are willing to work with you. Based on the errors noted above we are again requesting Fifth Third to remove these alleged (1) one day past (30) thirty day late off our credit report. Please refer to Exhibit F. As you can see by our credit report we have been perfect for years, only issue being Fifth Third Bank. We are aware of the over (10,300) ten thousand three hundred complaints to the Revdex.com and multiple Class Action law suits against Fifth Third Bank, so we are not the only ones with issues. We formally request that your revisit your prior letter and provide us with the customer service that we deserve. Thank you for your time and attention to this matter. Sincerely, [redacted] and [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.   
 I am  responding to the email that was sent from the Revdex.com website.  The company has not addressed this issue we sat there for almost an hour and a half speaking with the branch manager Joe who said he couldn't do anything his hands were tied and that the only thing that he could do was make a call to waive a couple $33 fees but that was all he could do for us.  We have had their accounts for a while now and we would assume that there would be some way that they would be able to help us but the way he made it was open up a new account before your account goes on ChexSystems that's only thing that I can tell you  he did say that you would deny any claims as if this came back I just don't understand how a branch like fifth third would not want to help somebody who's willing to pay the fees we paid over or close to $2000 in fees within a couple months and there was nothing that he could do for us.  When this originally started we ended up going in there and he was in a meeting doing an interview he said that he would call us by five he never called us. We waited a couple days thinking that maybe he would get back to us he never did after a week and two days past we decided to go with ourselves and resolve this issue but nothing got resolved due to Joe saying that he couldn't help us nor could he make any calls the only thing he could do was wave one or two fees due to the new changes in there system. Regards,
[redacted]

[redacted] [redacted] [redacted] Date: May 24, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com concerning your installment loan. We appreciate the opportunity to respond to this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the response conveyed to you in our previous letter sent to the above address on May 16, 2016. Our position on these matters has not changed. For further clarification, this is a simple interest loan and the account activity included the following: ** On February 21, 2016, the loan was funded in the amount of $19,937.13. ** The payment we received on April 4, 2016, in the amount of $334.03 was applied to the loan as follows: $186.71 to the principal balance and $147.32 to the interest. After this payment was applied to the account, the remaining principal balance for the account was $19,750.42. ** The payment we received on April 6, 2016, via Auto BillPayer was reversed from the account on April 12, 2016. Once this transaction was reversed from the account andreturned to you, the remaining principal balance for the account was $19,750.42. ** The payment we received on April 13, 2016, in the amount of $19,466.60 was applied to the principal balance of the account, with an effective date of April 12, 2016. The remaining principal balance of the account was $283.82. ** On May 6, 2016, the final payoff in the amount of $311.71 was processed by Auto BillPayer, and applied to the loan as follows: $283.82 to the principal balance and $27.89 to the interest. Per your previous conversations with the Bank, this payment was backdated to an effective date of April 12, 2016. As you mentioned in your complaint, a refund check in the amount of $0.74 was sent to you as a result of the backdated payoff. The chart below also explains the account activity. Principal Date Total Balance Effective Description Amount Principal Interest After 4/12/2016 Payoff $311.71 $283.82 $27.89 4/12/2016 Payment $19,466.60 $283.82 4/6/2016 Payment Reversal $334.03 $327.24 $6.79 $19,750.42 4/6/2016 Auto BillPayer $334.03 $327.24 $6.79 $19,423.18 Payment 4/4/2016 Payment via 53.com $334.03 $186.71 $147.32 $19,750.42 2/21/2016 Loan Funding $19,937.13 $19,937.13 Our review of the account determined there was no overpayment made. Because there was no overpayment, we are unable to accommodate your request for a refund. I apologize for any further frustration this may cause you. 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