Fifth Third Bank

[redacted] Date: August 13, 2015 Account: [redacted] Regarding Your Fifth Third Stand Up 2 Cancer [redacted] Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your credit card 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 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 our customers’ satisfaction. On July 30, 2014, the Bank received and approved your application for a Fifth Third Stand Up 2 Cancer [redacted]. Upon approval of your credit card account, your card and credit card agreement were mailed to you. For your review and convenience, a copy of the most recent version of the credit card agreement currently in effect for your account is enclosed. Please note page two and three (2-3), item ten (10) which explains how credit card payments are processed and applied to your credit card account. Payments on your Account that exceed the Minimum Amount Due will be allocated first to the Account balance with the highest Annual Percentage Rate (APR), and then to each consecutive Account balance bearing the next highest APR, at the time payment is posted to your Account. On March 27, 2015, the Bank sent your credit card statement indicating a minimum payment of $88.00 due by April 24, 2015. I have enclosed a copy of this statement for your records. On March 30, 2015 the Bank received and posted your $500.00 payment to your credit card. On April 27, 2015, the Bank received and posted a second $500.00 payment to your credit card account. The payments are listed on your enclosed credit card statement dated April 27, 2015.The credit card statement generated on April 27, 2015, indicated a minimum payment of $68.00 was due on May 24, 2015. The Bank did not receive a payment by May 24, 2015. Therefore, on May 26, 2015, a late charge of $35.00 posted to your credit card statement.The next credit card statement was generated on May 27, 2015. This statement shows the late charge, and indicated a minimum payment due of $145.00 by June 24, 2015. This statement included a past due amount of $68.00.The Bank did not receive a payment toward the credit card account and on June 24, 2015, a $35.00 late charge was assessed to the account. Because there were no payments received on two consecutive credit card statement cycles, the Bank revoked your ability to make transactions with this credit card account. I have enclosed a copy of this credit card statement for your records.On June 26, 2015, the next credit card statement was generated. This statement shows the late charge from June 24, 2015, and indicated a minimum payment due of $222.00 by July 24, 2015. This statement also included a past due amount of $145.00. On June 27, 2015, the Bank received and posted a $222.00 payment to your credit card account. I have enclosed a copy of this credit card statement for your records.As we discussed in our phone conversation on August 10, 2015, the Bankcard department has agreed to reopen your credit card account, pending your enrollment in the Auto BillPayer payment system. By enrolling in Auto Billpayer, you authorize transfers from your bank account to your Fifth Third credit card. Payments will be initiated based on the instructions you provide to Auto BillPayer in regards to date of payment and the amount of your payment. Also, I will notify our bankcard department to remove the revoked status as soon as your enrollment into Auto BillPayer is confirmed.We have completed our review of the payment history reporting on your credit report for your Fifth Third Stand Up 2 Cancer [redacted]. Our review determined that the information provide to the credit reporting agencies is accurate. However, we will submit an update to the credit reporting agencies to remove the revoked status, as soon as our systems reflect your enrollment into Auto Billpayer. Please note, this may take up to thirty (30) additional days to reflect on your credit reporting. You will also receive notice of the correction from our Operations Department under separate cover.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 apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at 513­358-2985 or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ETSincerely,Patrick S.Office of the PresidentPC: Revdex.com   Enclosures: Statement and Credit Card Agreement

[redacted], Our position on this matter has not changed. We have been requesting a copy of the Declaration Page showing proof of comprehensive coverage for months now. We have contacted [redacted] directly several times and have been provided the same information each time.I would be happy to speak to his insurance agent directly. My direct phone number has been provided in each of my written responses.We still consider this issue closed and will no longer respond to [redacted] unless new information is received from him or his insurance company. Thank you, [redacted]| Fifth Third Bank Customer Care Specialist II| Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263P: ###-###-#### F: ###-###-#### email: [redacted]

Revdex.com:Although it wasn't sent via the method requested I have received my title.
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]Bowden
GA 30108Date: June 10, 2015
Account: [redacted]Regarding Your Installment
LoanDear
[redacted]:Thank you for contacting the Revdex.com regarding your
installment loan. We appreciate the time you have taken to express your
concerns regarding...

this matter.On behalf of the Bank, please accept my sincere apologies for any
inconvenience or frustration this matter may have caused you. Please be assured
we have researched this matter fully, and passed on your concerns to the
relevant parties within the Bank. I also want you to know that customer
feedback is reviewed by our senior and executive management teams as part of
our ongoing commitment to improving our customers’ satisfaction.Maintaining customer information and security is a priority for
Fifth Third Bank. That information is not only limited to the account
information that we have on file for customers, but also in relation to
payments being sent or adjusted to accounts within Fifth Third Bank. From your
correspondence, I understand that communication with a non-account holder has
been accepted in the past. According to our records you are the only signer on
the account and I was unable to locate a note allowing another to obtain
information on your loan. To allow for another to have access to your account,
a new loan would need to be established with joint ownership on the loan. I
apologize this information has not been passed on to you in past conversations
with Fifth Third Bank.Fifth Third Bank has recently updated our web site to allow
payments from a non-Fifth Third account to be processed to a loan with Fifth
Third Bank. This option may be one that is beneficial for the payment of your
loan. Your loan is set up to receive coupons each month as opposed to an
automatic payment. By using the web site, you can make and change payment dates
when or if needed. The website is www.53.com. If you would like assistance in setting up this convenient payment
option, please contact our customer service department at ###-###-####,
Monday through Friday, 7 a.m. to 8 p.m., ET. and Saturday 8:30 a.m. to 5 p.m.,
ET.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 [redacted], or toll
free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Office of the President

FIFTH THIRD
SECURITIES
[redacted]
Regional Compliance Officer, AVP Fifth Third
Securities, Inc.
[redacted]
[redacted]
Direct Dial: [redacted]
September 22, 2014
[redacted]
 [redacted]
[redacted]...

[redacted]
RE:      Fifth Third Securities, Inc., Brokerage
Account #xxx-xx[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 account. It 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, 2011. As a
result, you are requesting Fifth Third Securities, Inc to reimburse you
$800.00. 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 $[redacted] as a gesture of customer
service on July 2, 2014. This credit represented the difference between the
purchase and sale of the CD ($[redacted]), fees assessed to your account ($[redacted]),
and interest on your $[redacted] investment ($[redacted]). The reimbursement amount
for the interest was determined by averaging the given interest rate on 23
various brokerage CDs with similar maturity dates as your [redacted] CD. This
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 matter. We consider this matter closed at this time.
Fifth Third Securities, Inc. appreciates your business and
apologizes for any inconvenience this matter has caused you. Should you have
any further questions, please contact me at [redacted].
[redacted]
Regional Compliance Officer, AVP

[redacted]...

[redacted] Date: September 22, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint that was submitted to the Revdex.com (Revdex.com) regarding your checking account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On October 3, 2012, you opened a Regular Business checking account with the Bank ending in [redacted]. Fifth Third Bank offers both business accounts as well as consumer accounts so that we can better service all of our customers’ needs. However, business accounts and consumer accounts are governed by different federal guidelines, and they each have their own set of applicable fees. For this reason, we provide all customers with a copy of the rules and regulations for consumer and business accounts. Enclosed for your review is a copy of the Fifth Third Bank Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards. Pages five (5), six (6), and seven (7) provide details regarding fees applicable to business checking accounts. Specifically, page six (6) explains that there is a $37.00 fee for each transaction returned or involved in an overdraft situation on your account. It also explains that there is an $8.00 daily overdraft fee charged when the account remains overdrawn for five (5) consecutive business days. This fee posts to the account for every calendar day the account has been overdrawn, and the Bank will continue to assess the fee until the account returns to a positive balance or until the twentieth (20th) day from the date of the initial overdraft. Please note that per federal regulations, consumer checking accounts have the option to enroll in or opt out of overdraft coverage for one-time debit card transactions. If a customer with a consumer checking account opts out of overdraft coverage and attempts to use the associated debit card for a one-time purchase, the transaction will be declined if there are insufficient funds to cover the transaction. Because the transaction was declined, there is no associated overdraft fee. If a customer with a consumer checking account enrolls in overdraft coverage and attempts to use the associated debit card for a one-time purchase, the Bank can approve the transaction if there are insufficient funds. Please note, however, that the transaction is then subject to any applicable overdraft fees. Overdraft coverage choices as explained above are applicable to consumer accounts only. Fifth Third Bank’s business checking accounts are not eligible to opt out of overdraft coverage for one-time debit card transactions, checks, or ACH transactions. The decision to approve any debit card transactions, checks, and ACH transactions is at the Bank’s discretion. When you opened your consumer checking account ending in 9813 on May 5, 2015, you opted out of overdraft coverage. Please be advised that the decision and form you signed were applicable to the consumer checking account only. Enclosed is a copy of the form you signed for overdraft coverage. Please note that the account listed on the form is the consumer checking account ending in 9813. Your business checking account is not listed because your business checking account does not allow that option. The beginning balance in your business checking account on August 4, 2015, was $497.98. Nine (9) transactions totaling $648.33 posted to your account that day, resulting in an ending balance of negative ($150.35). Three (3) overdraft fees of $37.00 each, totaling $111.00, posted to the account the next day. Transactions continued to post to the account, causing the negative balance to increase. On August 10, 2015, your account had been negative for five (5) consecutive business days. Therefore, on August 11, 2015, we began assessing the applicable daily overdraft fee. The fee is assessed for every calendar day the account has been overdrawn. October 11, 2015, was the eighth (8th) calendar day that the account was overdrawn. For this reason, the daily overdraft fee charged that day was eight (8) fees of $8.00 each, totaling $64.00. We continued to charge the applicable daily fees, overdraft fees, and returned items fees as additional transactions posted to the account. The account reached a zero balance on August 19, 2015. For this reason, the last daily overdraft fee processed on August 18, 2015. Most recently, the account became overdrawn again on September 17, 2015, which resulted in an ending balance for that day of negative ($2.47). As of September 17, 2015, the balance in your account is negative ($2.47). If the account does not reach at least a zero balance by September 23, 2015, the $8.00 daily fee will start being assessed again. Enclosed for your review are all of the checking account statements and overdraft notices that were generated for your account from July 1, 2015, through September 17, 2015. You have elected to receive your account statements online only, so they were not mailed to you. However, your overdraft notices were mailed to you. You advised Financial Center Manager Julie I. that you have alerts set up for your account that you did not receive. Please note that customers are responsible for their accounts and any associated fees even if established account alerts are not received. However, I confirmed that you do not have any account alerts set up in online banking for your accounts. The only alerts you have established are email notifications to advise you when a new tax document, overdraft notice, or account statement is available. Additionally, I verified that you have accessed your account via online banking or mobile banking on fourteen (14) different days since August 1, 2015. After reviewing your account, we determined that the overdraft fees, returned item fees, and daily overdraft fees are were charged in accordance with the terms and conditions for the account. You are a valued customer and in the interest of customer service, the Bank waived $74.00 in fees from your account on August 18, 2015. We are unwilling to waive additional fees at this time. I am very sorry for any distress this may cause you; however, there was no Bank error involved with the overdraft situations on your account. Our records do not indicate that a Bank employee advised you that you could decline overdraft coverage for your business checking account. Additionally, the overdraft coverage form you signed specifically states it was for the consumer checking account ending in [redacted]. It is my understanding that Ms. Iskra offered to help you establish account alerts at the banking center; however, you declined this offer. She also offered to go over various solutions that may help you prevent overdraft situations in the future, such as overdraft protection accounts. You declined this offer as well. [redacted], we understand that overdraft situations and fees can be a frustrating experience, and we would like to assist you with finding options that can help prevent overdraft situations in the future. If you would like to sit down with Ms. Iskra to go over your options, please contact the Countryway Banking Center at ###-###-####. The banking center is open Monday through Thursday from 9 a.m. to 5 p.m., ET, Friday from 9 a.m. to 6 p.m., ET, and Saturday from 9 a.m. to 12 p.m., ET. Alternatively, you can contact me directly using the phone number listed below. I would be happy to assist you. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna T. Office of the President Pc: Revdex.com Enclosure: Rules and Regulations, Overdraft Coverage Form, Checking Account Statements, Overdraft Notices

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: October 7, 2016 Account: [redacted] Regarding Your Recent Deposit Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, regarding your recent deposit....

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. We strive to provide accurate and professional service to our customers and I regret if this is not the level of service you received. On behalf of the Bank, please accept my sincere apology for any inconvenience or frustration this matter has caused you. Please be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received and passed along your concerns. We understand your concerns regarding the availability of your deposit. We are continually working to ensure the funds from your deposits are available in a timely manner, while protecting you as the consumer, and the Bank from loss or possible fraud. In some instances, we reserve the right to place a hold on a deposit. The full amount of the deposit will not become available until the hold has ended. Depending on our reason for placing the hold on your deposit, part of the deposit or all of the deposit may be held. It is important to note that the Bank does not control the amount of time it may take for a check to clear nor does the Bank have any way to expedite this process. A hold may be placed on a check to allow sufficient time to ensure the check will not be returned. This guideline in addition to the Bank’s Funds Availability Policy is detailed in your Rules and Regulations available online at 53.com. As noted on the letter mailed to you on September 20, 2016, the reason for the extended hold was due to the account being a new account. On September 19, 2016, you opened an Essential Checking account online at 53.com. The first deposit you made was via our mobile banking app. I have enclosed a copy of the deposit for your records. The mobile deposit of $512.47 posted to your checking account on September 20, 2016. An extended hold was placed by our Operations Department. A letter titled Important Information About Your Recent Deposit was mailed to your attention on September 20, 2016. I have enclosed a copy of the letter for your convenience. Our research confirmed the funds became available to you on October 1, 2016. You made an Automated Teller Machine withdraw on Saturday October 1, 2016, and made several debit card purchases on October 1, 2016, and October 2, 2016. As of October 3, 2016, your account balance is $54.30. 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, Patrick S.Office of the President PC: Revdex.com Enclosures: Extended Hold Letter, Copy of Deposit

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 [redacted] am currently out of state and plan on responding formly to Fifth Thirds letter with the proof of their employees signatures that they themselves are too lazy to print. Fifth Third is doing nothing  but talking in circles and have proved nothing more then being bullies. I will return to [redacted] on. 3/21/16 and will formally respond as I do not want this issued closed until I get honest answers from this bank. It says a lot when your customers want to run in the other direction. Please remain open for me to discuss with my attorney.
Regards,
[redacted]

Sending again the letter from GAP Insurance LEgal Department.  Fifth 3rd is claiming they do not know why the GAP did not PAY more, but according to the GAP letter it indicates that GAP does not send a payment and the bank actually WAIVES the balance due at the time of the accident after the primary insurance pays ([redacted]).  The amount considered GAP would be based on information the BANK provided which was incorrect as the BANK has not returned the entire payment I made after the accident which was $345.44 on Dec 1.  I was told by their employee that I would receive this amount back but needed to make this payment to protect my credit.

After I had attempted to be in contact with the Fifth Third Disputes dept. and getting not just no assistance and told by one person that "services were rendered" to me by the merchant. As I was stunned to hear this as I said I never indicated this at all in fact the opposite. As I was told to leve...

a voicemail for Lemont the mgr. I did at 9am yesterday. I called back at 1pm yesterday and was fold he was still in a meeting. I called back at 5:30 and told he was gone but the rep sent him an email message. I kept asking if I could speak to another mgr. and am always put on hold for a ling time and when they come back am told no I need to speak to Lemont.No return call, I call again today a few times and at 2:00 when I called he came to tbe phone.The conversation waz terrible. He offered nothing in fact now it is even worse. All reps have said tbere has been NO response from the merchant in my dispute after this 90 period. He said there has been and as I could tell he was lying because when I asked to get a copy of it as I in the vague denial letter it says I can obtain documents in my investigation he said "you should contact the merchant for that". I said "why would I contact the merchant for what she would have sent to fifth third?" After I kept asking he said maybe he could fax it as I asked but he wasnt sure. Maybe by wednesday. He said that he didnt see the letter that I had sent detailing everything at all and asked when was it dated. I said 6/6/2016. I tried to explain the fact that services were not rendered by the merchant and he just said "im sorry you feel that way". I mentioned a few times the different things im being just told and the trouble communicating with someone there and in a weird voice he just said im sorry. He sounded very cocky and sing songy. When I asked if he got my voice mail yesterday morning he said "i dont know, I don't think I heard it". This is so crazy! When I asked also what the date was of the merchant response he says thers is that all others have said there hasnt been one first he says "i dont know" then he says "its dated today". He said "i dont know when you were told there was no response and I said "yesterday" and also june, july and august 6. I asked about how one appeals if they disagree and he said "can you use another word other than appeal" he then said it can not be as it is not eligible for reinstatement. Then he said that I can only send information to his email address and he gave it to me. I asked for another manager to look at it and he said no it has to be him. Again, this is really crazy! How can I send him further details when he "will not do anything". I don't even know and can't find out why. 90 days have gone by and as I have been told other than by him that no response has been received by the merchant. Ive been told by reps that it was a phone consult one person said and it was Not a Phone Consult. Ive been told that I did business with the merchant on their website and this is not the case either. I mentioned that tbe merchant has a personal website that says she offers free consults even if that is what they think. But the 350 dollars was for a specific service that the attorney said she would go the next day after I spoke to her to get the information I was seeking. She did not get any information for me and didnt even go to the place of business. After having me text her the front and back of my bank credit card she then replied to my text tbe next day asking what information she obtained to not be concerned. I woyld luke to know what service was provided as the dispute dept is saying but just like absolutely EVERYTHING, I can't find out ANYTHING at all about my dispute. Please help! Thank you.[redacted]###-###-####

Please find attached our response to the complaint filed by Mr. [redacted]. [redacted]Re: Equity FlexLine[redacted] Dear [redacted]:We received a copy of the complaint you filed with the Revdex.com and sent to the Bank...

regarding the application process for your new Fifth Third Bank Equity FlexLine 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 you experienced during the application process for your new Equity Flexline account. Please be assured that I have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. We strive to provide professional and accurate information to all of our customers, and we regret and difficulties you encountered.When applying for an Equity FlexLine, several factors are reviewed in order to issue approval for the new account including your debt to income ratio and any related information that we receive from the credit bureaus. Should these factors not meet our required guidelines for the Equity FlexLine account, then the application may be declined.On September 30, 2014, you submitted a joint Fifth Third Bank Equity Flexline application for a requested credit line in the amount of $125,000. On October 20, 2014, we received your signed application and the additional documentation requested via fax. Per our guidelines, the required debt to income ratio must be forty-five percent (45%) or less and the payment to income ratio must be thirty percent (30) or less.After our initial review of the information provided, your application was conditionally approved for $115,000.00 on October 29, 2014. After attempting to verify the income documentation you provided, the Equity Flexline amount was reduced by $10,000.00 to bring the payment to income ratio within guidelines.While processing the application, we determined that your debt to income ratio exceeded our guidelines. Therefore, we submitted a counter offer to you for a smaller line of credit in the amount of $99,400.00. In order to bring the debt to income ratio within our guidelines, the following accounts needed to be paid off and closed or paid down to a zero balance:Account                                �...⇄ BalanceFifth Third Bank Mortgage Loan ending in [redacted]          $14,656.00, monthly payment $1,995.00Fifth Third Bank Credit Card ending in [redacted]                $17,757.00, monthly payment $356.00[redacted] (vehicle)                                   �...⇄ $4,351.00, monthly payment $395.00Fifth Third Bank Equity FlexLine ending in [redacted]         $55,390.00, monthly payment $152.00   It should be noted that the account balances shown above are based on information received from the [redacted] credit bureau when your application was initially submitted. On November 7, 2014, you chose to accept the counter offer and proceed with the application.The closing for the new Equity FlexLine was scheduled to be completed on November 14, 2014. However, you disagreed with the payoff amounts noted for your vehicle and mortgage loan at that time. Therefore, you requested that the closing be postponed until updated payoff amounts could be obtained.While working to get the updated payoff amount for your vehicle, our underwriting department realized that the amount noted above was for the remaining lease account payments due, not a payoff for an installment loan as previously thought. The full payoff amount we received from [redacted] Financial Services was $18,332.59. This was much higher than the prior amount used our in debt to income calculations.Unfortunately, we were not able to increase the Equity FlexLine to include the vehicle payoff or approve your application without paying off the vehicle since it would cause your debt to income ratio to be outside of our guidelines. After further review, an exception was made not to include the [redacted] Financial Services account and reduce the line of credit amount to $85,050.00. As a result, your application was approved.On December 4, 2014, the closing for the new account was completed, and your new Equity FlexLine ending in [redacted] was opened. Proceeds totaling $84,818.97 were advanced from the new account and disbursed as follows:Credit Card ending in [redacted]                  $17,944.19Equity FlexLine ending in [redacted]           $55,097.30Mortgage Loan ending in [redacted]             $11,777.48Mr. [redacted], please be assured that it was not our intention to cause you any hardship or frustration. We hope that this resolution was satisfactory. 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.coms

[redacted]177 Montgomery LaneSpringboro OH 45066Date: August 19, 2015Account:      [redacted]Regarding Your Real Life Rewards Credit CardDear [redacted]:We received a copy of the complaint you filed with the Revdex.com concerning your Real Life Rewards...

Credit Card. We appreciate the time you have taken to document your thoughts and concerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction.We completed a review of the Real Life Rewards Credit Card account ending in [redacted]. On August 15, 2015, per your request, a temporary block was placed on the account. Please note the temporary block allows up to sixty (60) days to locate the card prior to the block becoming permanent. If you locate the card and would like to remove the temporary block, please call Customer Service at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. If you wish to request a replacement for the lost card, a $10.00 fee will apply as outlined on page four (4) of the enclosed Fifth Third Card Agreement. I am sorry for any inconvenience or frustration this has caused you.Thank you for your patience while we researched this matter for you. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. 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.April Q.Office of the PresidentPc: Revdex.comEnclosure: Fifth Third Card Agreement

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]

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.   
This response just confirms that there is a huge communication issue with in this company. I have spoke with the office of the president and have confirmation that I did in fact respond to there letter within in the ten days  The office of the president  has confirmed that they reviewed recordings of my phone conversation with a customer service representative stating  that my letter/response was received however the investigator did not update my case with this information and in turn closed my case. The proof that the merchant has provided is proof of service they did  some work in which they were paid by a different credit card  but they are not entitled to this additional amount of $750.00.The merchant also is not on compliance with the [redacted] guidelines by not providing a return or refund policy on there webpage where payment was made.. I have informed Fifth Third Bank that I do not authorize this charge and that they can advise the merchant to take me to court to try and collect this amount where I can prove my case other wise.
Regards,
[redacted]

[redacted]Date:         July 6 2015Account: [redacted]Regarding Your Mortgage AccountDear [redacted]:We received a copy of your rebuttal complaint filed with the Revdex.com, concerning your Fifth Third Bank Mortgage Loan. We understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience these matters have caused you. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account.I want you to know that I have already taken action on your feedback. After speaking with you and receiving your complaint from the Revdex.com, I have shared the concerns you brought to our attention with the appropriate departments within the Bank. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction.Our Escrow Department is willing to process an exception to cancel the escrow account on your mortgage loan ending in [redacted], after the remaining escrow shortage of $397.44 is paid in full. Once the escrow account is cancelled, the mortgage loan payments received from March through June will be backdated. As a result, the late charges assessed will be waived and the delinquencies reported to the credit bureau agencies will be removed.You may send the payment for your escrow shortage to my attention at the following address:Fifth Third BankOffice of the PresidentAttention: [redacted]   We appreciate your patience while we researched your request. 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 PresidentPc: Revdex.com

[redacted] Date: April 4, 2015 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the follow up letter you sent to the Revdex.com concerning your Essential Checking account. We appreciate the time you have taken to express your concerns regarding this matter. We initially received a copy of this complaint on March 20, 2017. We received a copy of your follow up complaint on March 29, 2017. However, we stand by the response conveyed to you in the previous letter sent on March 28, 2017. I have enclosed a copy of that prior correspondence for your review. Although we regret the issues you experienced, and although we empathize with your situation, we will not reverse additional overdraft fees that were assessed to your account. We feel that the resolution we have previously provided is sufficient. We regret any inconvenience or frustration this might cause you; however, our position on this matter has not changed. 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, Adam P.Office of the President PC: Revdex.com Enclosure (1): Previous Response 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.   
THEY HAVE NOT DONE ANYTHING EXCEPT SEND LETTERS THEY HAVE ALREADY SENT AND TELL ME I OWE THEM THE MONEY THEY FORGOT TO PUT INTO ESCROW. I DID CALL JENNIFER ABOUT A WEEK AFTER THE FIRST CONTACT AND SAID THEY NEEDED TIME TO LOOK INTO IT, THEN RECEIVED THE LETTER YOU HAVE POSTED AS 12/6 WHICH SAYS THEY NEED TIME TO LOOK INTO IT...AND I OWE MONEY! I GUESS WHEN YOUR A BIG BANK THE ONE AVERAGE PERSON MEANS NOTHING. HOPEFULLY YOU MAY HAVE BETTER LUCK I CAN'T BELIEVE THAT THEY THINK THAT LETTER IS SUFFICIENT I HAVE NOT EVEN BEEN TOLD WHERE MY UNACCOUNTED FUNDS WENT!
Regards,
[redacted]

[redacted]Date: July 14, 2015 Account: [redacted]2341Regarding Your Overdraft FeesDear [redacted]:We received a copy of your complaint submitted to the Revdex.com concerning the overdraft fees you recently accrued on your checking...

account after delayed debit card purchases posted due to the fraud block on your debit card ending in [redacted]. I appreciate the time you have taken to communicate your thoughts and concerns.On behalf of the Bank, please accept my sincere apologies for a** frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction.Our research determined that the delayed transactions, which totaled $321.03, are as follows: 05/21/2015 [redacted] [redacted]
[redacted] $6.30 05/21/2015 [redacted]
[redacted] $11.51 05/21/2015 [redacted]
[redacted] $11.58 05/20/2015 [redacted]
[redacted] $12.44 05/21/2015 [redacted] ###-###-#### FL $24.95 05/20/2015
[redacted]
[redacted]  $28.07 05/21/2015 [redacted]
[redacted] $38.36 05/21/2015 [redacted]
[redacted] $43.42 05/22/2015 GS[redacted] $15.00 05/22/2015 GS[redacted] $15.00 05/22/2015 [redacted]
[redacted] $114.40  If any transaction listed above is not legitimate, please either contact me to discuss the matter further with the information listed below, or call our Bankcard Fraud department directly at ###-###-####, twenty-four hours a day, seven days a week. We regret the inconvenience this matter may have caused you, but as the customer you are in the best position to know if items you have purchased using your debit card have cleared your checking account by utilizing a checkbook register. Due to no bank error being found in our research of this matter, we are unable to refund your overdraft fees. [redacted] it was certainly not our intention to cause you a** hardship and we appreciate your patience while we researched this matter. 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, Sarah S.Office of the PresidentPc: Revdex.com

[redacted] Date: October 8, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your email and complaint submitted to the Revdex.com, regarding...

your mortgage 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 situation 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. Per your request, we have reviewed your mortgage loan to determine the new monthly payment amount and amortization schedule if a principal only payment of $100,000.00 is posted to your account. The new monthly principal and interest payment would be approximately $2,029.72 at a fixed rate of 4.125%, with a maturity date of November 1, 2041. Am amortization schedule and letter are enclosed for your review. In order to re-amortize or recast your mortgage loan after a large principal balance payment, there is a processing fee of $100.00. Please submit a written request that includes the following information: ? Your full mortgage loan account number ? The dollar amount of the of the large principal amount paid to your mortgage loan ? The date the large principal payment was made ? A brief request to have your mortgage loan re-amortized ? Enclose check payment for $100.00 processing fee or advise if fee is to be charged to mortgage loan ? Your signature Please mail your signed written request to the following address: 5050 Kingsley Dr. 1MOC2N Cincinnati, OH 45273 Alternatively, the required documentation can be faxed to ###-###-####. 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, Danielle S. Office of the President Enclosure(s): Amortization schedule, Letter Pc: Revdex.com