PROCORPSA

[redacted] Date: December 29, 2016 Regarding Your Recent Auto Loan Application Dear [redacted]: Thank you for the follow up letter you sent to the Bank, we also received a copy of the complaint you filed with the...

Revdex.com regarding your recent auto loan application. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We received your original complaint on November 18, 2016. We received your follow up correspondence on December 27, 2016, and the Revdex.com complaint that same day. However, we stand by the response conveyed to you in the previous letter sent on November 22, 2016. I have enclosed a copy of that correspondence for your review. Our position on this matter has not changed. Please note an automobile dealership will often send a credit application to multiple banks in an attempt to obtain financing for their customer. The dealer is trying to find the best structure, rate and deal for the applicant. We conducted a thorough review of the installment loan application. Our review determined on June 11, 2016, the Bank received an application for an auto loan at the [redacted] of [redacted] dealership. The collateral associated with the auto loan was a 2011 [redacted]. We have included a copy of the adverse action letter sent to you on July 4, 2016, for that auto loan application. However, if the application was submitted in error by the dealership, they will need to provide us with a letter documenting their error. The dealership representative can send the requested letter to the following address: Fifth Third Bank Office of the President 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, this signed documentation can be faxed to my attention at ###-###-####. If you would like to contact the credit bureaus directly, the contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### If the application was submitted to the dealership in your name fraudulently, please contact your local law enforcement. They are able to assist you with completing the necessary documents for any fraud that may have occurred. If you have already filed a police report, have a copy mailed to us at the address listed above and we will have the inquiry removed. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosures: Prior Response Adverse Action Letter

[redacted] Date: June 12, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your checking account. We...

appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On February 25, 2017, you contacted the Bank to dispute the $254.14 transaction to [redacted] that posted to your checking account on February 22, 2017. Case number [redacted] was assigned to your dispute. The dispute was denied because the merchant provided a signed receipt for a 5,000.00 peso transaction, which converted at that time to $245.14 United States Dollars (USD). Enclosed for your review is a copy of the merchant documentation, including the signed receipt for your review. The dispute case can be re-opened if are able to provide proof of the billing error. As an example, you can provide your copy of the signed receipt that shows the amount you state was supposed to be charged. You can fax the documentation to my attention at ###-###-####. You can contact the Dispute Department directly at ###-###-####. The Dispute Department is available to assist you Monday through Friday from 8 a.m., ET, to 5 p.m., ET, and on Saturday from 8 a.m., ET, to 1:30 p.m., ET. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H. Office of the President Pc: Revdex.com Enclosure: Merchant Documents, Dispute Denial Letter

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: November 28, 2017 Account: [redacted] Regarding Your Transaction Disputes Dear [redacted]: We received a copy of the follow-up complaints you submitted to the Consumer Financial Protection Bureau and Revdex.com regarding your transaction disputes. We appreciate the time you have taken document your additional thoughts and concerns in this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the responses conveyed to you in our previous letters dated October 30, 2017, and November 1, 2017. I have enclosed copies of those letters for your convenience. Our position on this matter has not changed. Our additional research confirmed that the reason why your disputes with Robert Roost Motel were approved was because we received chargebacks from the merchant. In the case of your [redacted] dispute, the merchant sent documentation showing services were rendered and the charge was valid. You will need to resolve this directly with [redacted] in about your dispute of the conditions at the motel. In regards to your dispute of the taxes, you will need to resolve this with [redacted] and the State of [redacted]. Fifth Third Bank cannot assist you any further with your disputes. Our records show that you closed your checking accounts ending in [redacted], [redacted], and [redacted] on November 2, 2017. As of November 15, 2017, the only open account you have with the Bank is your Access 360º Card ending in [redacted]. However, there is a fraud block on the card, so you no longer have access to it, or the ability to open a new card. Please also be aware that if we receive an additional complaint or other type of correspondence from you regarding this matter that does not contain new information, you will not receive additional correspondence from the Bank regarding this matter. This is because this matter has already been appropriately addressed in our previous letters as indicated above. Thank you for your patience while we conducted our additional research. 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, Pat S.Office of the President Pc: [redacted], Revdex.com Enclosures: Previous Response Letters

[redacted] Date: October 2, 2015 Account: [redacted] Regarding Your Business Debit [redacted] and Business Checking Account Dear [redacted]: We received a copy of your rebuttal recently filed with the...

Revdex.com. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please accept my sincere apology that our prior responses did not answer all of your questions or resolve this issue to your satisfaction. On April 15, 2015, a purchase was processed on your business debit card with a company called [redacted] in the amount of $1,333.20. On May 14, 2015, you filed a dispute for this purchase, indicating that you did in fact sign up with [redacted]; however, the charge for $1,333.20 was not authorized by you and you did not receive goods or services related to this charge. A case was opened with our disputes department and assigned a case number ([redacted]). The Bank started an investigation into the disputed charge and contacted the merchant, notifying them that you were disputing the purchase and charge to your account. The Bank is required to follow [redacted] Terms and Conditions when disputing a charge on a [redacted] account. Those terms state that the merchant has a certain amount of time to respond to your dispute and provide proof that the charge in question was authorized by the account holder. During that time, the Bank will issue provisional credit to our account holder; however, if their research does not support your dispute, the provisional credit will be removed from your account. On July 23, 2015, the Bank issued provisional credit to your account in the amount of $1,333.20. On August 25, 2015, the Bank mailed you a letter indicating that we completed our investigation and your dispute was being denied because the merchant verified the charges as valid. The letter also indicated that provisional credit would be removed from your account on August 26, 2015. Unfortunately, when the disputes department attempted to debit your account for the provisional credit, the account had been blocked for fraud and the debit didn’t process correctly. Instead, the debit was placed in our holdovers account for research and your account was never debited. After researching your Revdex.com rebuttal and the documentation provided by the merchant, the Bank issued a second chargeback with this merchant that was mailed to them on September 30, 2015. The merchant bank has forty five (45) days to respond. If the merchant bank continues to dispute our claim that you did not authorize this purchase, the dispute will go to Arbitration for [redacted] to rule on. If they do not continue to dispute our claim, you will be given final credit for the dispute. At this time, we will not be debiting your account, as we indicated in the letter mailed to you on August 25, 2015. If you have questions regarding the second chargeback or the provisional credit, please contact Jenna V., Disputes Servicing Specialist, at ###-###-####. [redacted], in your rebuttal with the Revdex.com, you state that the Bank failed to issue credit to you for the disputed charge for around two (2) months; even though regulations require us to issue credit within five (5) days. Regulation E (Electronic Funds Transfer Act) covers disputes regarding unauthorized transactions on personal consumer accounts that involve the use of a personal consumer card. As I stated in my prior responses, those regulations do not apply to business accounts and business debit and credit cards. All of your accounts with Fifth Third Bank are Business Checking Accounts and Business Debit Cards and are not covered by the Regulations you reference in your complaint. Although the disputed charge in question is not covered by Regulation E, Fifth Third Bank makes every effort to assist our cardholders in resolving these merchant disputes by working directly with the merchants. Our policy to assist our cardholders with these types of disputes has a completion time of up to 120 days, which I have indicated in several of my previous responses. On behalf of the Bank, please accept my sincere apologies if I failed to clearly explain the Regulation or our policy regarding disputes not covered by the Regulation in my prior responses. 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, Jennifer C. Office of the President Pc: Revdex.com Enclosure: Disputes Resolution Letter, mailed on August 25, 2015

[redacted]Date: December 28, 2017 Account: [redacted]Regarding the Checking AccountDear [redacted],We received a copy of your complaint filed with the Revdex.com regarding your checking account ending in [redacted]. We appreciate the time...

you have taken to express your concerns regarding this matter.On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience the delay in resolving this matter may have caused you. Please be assured that we have contacted the relevant parties and passed on your concerns. When a purchase is disputed on a checking account, we expect that each dispute will be taken care of in as timely a manner as possible and I am sorry that has not been your experience. It was certainly not our intention to cause you any stress or undue hardship.The dispute was filed on November 13, 2017, and denied on November 21, 2017. The dispute was reasserted on November 22, 2017. We have completed our additional research for the Zelle payment in question, and a credit of $650.00 was issued to your checking account on November 22, 2017. However, that was not the total disputed amount in question. An additional credit of $474.00 was applied to your checking account on December 20, 2017. We also reversed related overdraft fees totaling $74.00 on November 15, 2017. A notice was sent to the address on file on December 11, 2017. I have enclosed a copy of both the original denial and approval letters for your records.Upon further review, a payment to Early Access was made in the amount of $669.50 on December 21, 2017, which included an Early Access transfer fee of $19.50. The fee was a result of the disputed transactions, therefore making you not responsible. I have enclosed a check in the amount of $19.50 for the fee that was paid on December 21, 2017.We strive to provide professional and accurate service, and I apologize for any inconvenience this may have caused you.You are a valued customer and 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,Renee L.Office of the PresidentPC: Revdex.comEnclosure(s): Dispute letters (2), Check

[redacted] Date: June 23, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your recent attempt to deposit a check...

via an Automated Teller Machine (ATM). We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On June 6, 2016, you deposited a check into your checking account for $4,891.45 at a Fifth Third Bank ATM. The check was issued by [redacted] and was made payable to [redacted] and [redacted]. Since the check was made payable to a party that was not listed on your checking account, the deposit made at the ATM was rejected and the $4,891.45 was debited from your account on June 6, 2016. Our ATM Processing Department mailed out a legal copy of the deposited check to the address listed on the account. Our records show that you deposited this legal copy to your checking account on June 17, 2016. The deposit of $4,891.45 posted to your account at the close of business on June 17, 2016, with the funds fully available on June 18, 2016. We hope that you are satisfied with the resolution and we regret any inconvenience this matter may have caused you. Thank you for your patience while we researched this matter for you. You are a valued customer and we hope you will allow us to service your financial needs in the future. If I may 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., EST. Sincerely, Lisa S.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.  There are two things that are not right:1.) I have e-mail documentation from 53rd Bank stating that they will in fact send me a pink slip, not just a lien release which does not let me sell my car in the future if I want to 2.) I paid off my car loan IN FULL in April. -Why has it taken at least 3 months and still nothing.  This has been very inconvenient for me and 53rd does nothing about it.
Regards,
[redacted]

Please find attached copies of the letters mailed to the customer from the mortgage department regarding the necessary rescore (credit pulls). Please find attached copies of the responses we have mailed to the customer. The customer has not brought any new concerns to our attention, and we feel the attached responses have appropriately addressed her concerns. Thanks.  Pat S.Customer Care Team SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOPCincinnati, OH 45263

[redacted] [redacted] [redacted] Date: July 13, 2016 Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Checking and Savings Accounts Dear [redacted]: We received a copy of your complaint filed...

with the Revdex.com (Revdex.com) regarding your checking and savings accounts. 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 May 6, 2016, you called our Customer Service Department and spoke to a representative named Robin. You told Robin that you had one (1) checking account and three (3) savings accounts that you had not used for a year and you wanted to close them. Robyn explained that the accounts have to have a zero (0) balance to be closed. She verified that you do not live near any Fifth Third Bank locations. She advised she could send you a closure request form and that we would close the accounts specified after receiving the form back. We would also send a cashier’s check to you for the balance in your accounts. You agreed to this process and Robyn sent the form to you using the address you verified was correct. I was unable to locate record of a previous attempt to close your accounts with the Bank. I was also unable to locate record of additional conversations with our Customer Service Department after May 6, 2016. I am sorry for any distress this may cause you. Personal Banker Odette O. closed your savings accounts ending in [redacted], and [redacted] on June 20, 2016. I confirmed that she closed the accounts per the closure request form that you submitted to the Bank. Ms. O. transferred funds totaling $3.96 from your savings accounts to the checking account. The balance in your checking account increased to $38.70. Ms. O. issued a $38.70 check to your address listed above. If you have not received this check, please contact me directly using my phone number listed below. Ms. O. advised she closed your three (3) savings accounts as well as your checking account that day. However, a review of your checking account does not show an attempt to close the account on June 20, 2016. After the cashier’s check was issued, the balance in your checking account was zero (0). The $11.00 monthly service charge for the checking account processed that day, which resulted in an ending balance of negative ($11.00). The checking account remained open with a negative ($11.00) balance. No additional fees were assessed. Personal Banker Carlos R. advised you called his banking center on June 28, 2016, regarding your accounts. You told Mr. R. that you had been attempting to close the accounts for a long time and you were previously told they were closed. However, your checking account reflected as open with a negative balance. Mr. R. waived the $11.00 monthly service charge and closed your account that day. As of June 28, 2016, you no longer have any open accounts with Fifth Third Bank. [redacted], I am very sorry that your checking account was not closed the same day as your savings accounts. Please be assured that I have contacted the relevant Bank personnel regarding this matter. I also appreciate your feedback to the Bank regarding the difficulties you experienced as it assists us to identify problems so we can improve the level of service we provide to our customers. Your complaint indicated you requested to close your accounts on multiple occasions and because the checking account was not closed, you continued to have $11.00 monthly service charges assessed to your checking account. I was unable to locate a request to close your accounts prior to May 6, 2016. There was an $11.00 monthly service charge assessed on May 18, 2016, and another $11.00 monthly service charge assessed on June 20, 2016. The $11.00 service charge from June 20, 2016, was waived off the account. If you are able to provide additional information, such as the names of the people you spoke to or the dates you spoke to them, I would be happy to further research your concerns. 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

[redacted] [redacted] [redacted] Date: November 9, 2015 Account: [redacted] Regarding the Overdraft Fees Assessed to Your Checking Account Dear [redacted]: We received a copy of the rebuttal you submitted to the Revdex.com regarding the overdraft fees that were assessed to your checking account. We appreciate the time you have taken to document your additional 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. However, we stand by the response conveyed in our previous letter dated October 20, 2015. Our position on this matter has not changed. As we previously explained, if a payment to a merchant or creditor is returned unpaid due to insufficient funds, the merchant or creditor may re-present the payment one (1) or more times in an effort to collect the funds. It is not the decision of the Bank to re-present an item paid to a third (3rd) party. It is also important to note that the Bank is authorized to honor any items bearing a customer’s account number if the customer has disclosed that account number to the payee. The customer is subsequently responsible for all properly payable items. This includes the items you authorized with the payees that were re-presented for payment. I have enclosed a copy of our current Rules and Regulations for your review. Please refer to page 15, section 27, for more information. Thank you for your patience while waiting for a response. You are a valued customer, and we look forward to continuing our banking relationship with 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, Elizabeth D. Office of the President Pc: Revdex.com Enclosure (1): Rules and Regulations

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 appreciate the inquiries for the loan being removed. But my concerns and grievance still remains.
At the initial review of the appraisal no concerns about the non-conforming property were mentioned. Even after multiple visits and/or phone calls with the lender about items needed for the application nothing was mentioned as a problem from the underwriters. It wasn't until the appraiser suggested a lower value of the property and it was RESENT that there was a problem with underwriting approving the loan. If I had been made aware of issue with the non-conforming property after the initial application was sent to underwriting I would not have not pursued the property and hired an inspector. I feel that the bank did not follow protocol and caught their mistake during the 2nd underwriting. I was told one week before closing that the property was non-conforming. I do not feel that I should have to pay for the banks mistake. I wish to be reimbursed for the application fees, appraisal fees, and the funds I dispersed for a home inspection and radon testing for a property that did not meet the banks guidelines.
Regards,
[redacted]

[redacted] 
[redacted] 
[redacted] Date: June 7, 2016 Account: [redacted] Regarding Your Debit Card Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding the issues you recently experienced...

with your debit card ending in [redacted]. We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the level of service you when you previously contacted the Bank regarding this matter. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your letter, I forwarded your concerns to the relevant parties at the Bank who thoroughly researched this matter. 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. However, I cannot inform you of any specific internal actions that may be taken. On May 29, 2016, a debit card transaction from [redacted] in the amount of $1.00 was initiated. Additionally on May 29, 2016, a debit card transaction from [redacted] in the amount of $49.95 was initiated. On May 29, 2016, you contacted the Bank and verified that the two (2) debit card transactions from [redacted] were indeed fraudulent charges. When the Bank verifies with a customer that suspected fraudulent charges are indeed fraudulent, the Bank’s policy is to place a permanent block on the card Our policy also allows for a temporary block to be placed on the account to allow for an additional transaction, if the customer requests that this be done. When you requested that a temporary block be placed on the card to allow for an additional transaction before the permanent block was placed on the account, the customer service agent mistakenly placed a permanent block on the card. Once a permanent block is placed on a debit card, it cannot be removed. We certainly regret the difficulties you experienced, but we are unable to issue funds to you in the amount of $300.00, as you requested. We apologize for any frustration this may cause 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, Adam P. Office of the President

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

to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced. Research has determined that you were conditionally approved for a loan with Fifth Third Mortgage Company. However, the property you had selected to purchase was appraised as non-conforming collateral. The subject area the property is located in is zoned as RM or Multi-family residential and if destroyed by a natural disaster would require a variance to rebuild it as a single family home. Rebuilding as a single family home is required under the mortgage you have applied for. Since you were conditionally approved for a mortgage loan with our bank, please let us know if you find another property that fits your needs. We would be more than happy to evaluate the property and see if it meets our conforming requirements. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Briggett F.Office of the President

I spoke to Brandy W[redacted] she was not helpful the staff there still gives me attitude when I call I emailed Brandy several occasions she does not respond still no CLARIFICATION WHY MY APPLICATION IS PENDING IF ANY AND NO DENIAL LETTER WAS SENT TO ME STATING IF I WAS DENIED ?BEEN IN THIS HOOP SINCE AUGUST AND MO LETTER STATING PACIFICATION WHAT IS NEEDED TO PROCESS THIS APPLICATION THEREFORE I DONT SEE ANY LEGAL GROUNDS WHY THEY WOULD DENY MY MORGTAGE APPLICATION AND IM STILL WAITING FOR THE MONTH OH SEPTEMBER MY CREDIT WAS RAN 2 MORE TIMES WHICH I ONLY AGREED TO ONE TIME IN SEPTEMBER I DONT KNOW HOW THIS BUSINESS IS GETTING AWAY WITH SO MUCH STUFF AND FOR AUGUST CREDIT PULL IT IS STILL SITTING ON MY CREDIT REPORT IT IS CLOSE TO 90 DAYS AND IT IS STILL THERE SO THEY ARE NOT DOING THERE JOB CORRECTLY

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. 
[redacted]This is [redacted] I just got off the phone with you. I am rejecting the business's response because they completely disregarded the fact that their representative misled me by asking me to withdraw my money from my account and get a money order instead. Which is the real reason why my check could not clear. If I had left the money in my account like I was planning to then we will not be here. The problem is not really about the automatic bill pay. All I am asking for is to be refunded the $50  my landlord is charging me for the check not going through. Thank you again for your time!

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] 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

Per phone call from [redacted]:The business has resolved my complaint.Thank you
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.  I sent the voice recording as requested and have received no follow up or response, it's been more than a week and I am somewhat frustrated. Would like a followup response. Thank you.
Regards,
[redacted]

[redacted] Date: April 10, 2017 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your installment...

loan account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Fifth Third Bank has an automatic payment service called Auto BillPayer that customers can utilize to have their monthly payments drafted automatically. I verified that you have never been enrolled in the automatic payment service. However, I confirmed that you schedule payments to your installment loan online via our website at 53.com. When scheduling your payments online, you can select how much of the payment should be applied as a regular payment, and how much of the payment should be applied as a curtailment. A curtailment is a payment applied to the principal balance of the loan. A curtailment does not pay the account ahead or partially pay the next payment due. On October 2, 2016, you logged into the website and scheduled two (2) payments to the installment loan. You scheduled a $150.33 regular payment to process on October 3, 2016. You also scheduled a $150.00 curtailment payment to process on October 17, 2016. Because you scheduled the $150.00 to be a curtailment, the $150.00 did not count toward the payment due in October 2016. The funds reduced the principal balance of the loan. Only the $150.33 you scheduled as a regular payment was utilized toward the $300.33 payment that was due on October 21, 2016. As a result, the loan became past due. You contacted the Bank on October 31, 2016, to advise that both payments were to cover the regular payment due. On November 3, 2016, we reapplied the $150.00 curtailment as a regular payment and the account became current that day. No late payment fee was applied to the account and no late payment was reported for the account. There have been no other requests to reapply payments on your loan. I confirmed on April 6, 2017, that all payments for your loan are listed as current with the credit reporting agencies. We are not reporting any derogatory information. While reviewing your concerns, I noticed that you made a $300.00 curtailment payment on January 17, 2017, and a $300.03 curtailment payment on March 16, 2017, online via our website. If you would like these payments reapplied to pay the loan ahead, please contact me directly using my phone number listed below. I would be happy to assist you. As of April 6, 2017, your loan is current and the next $300.33 payment is due on April 21, 2017. Please note that when making payments online via our website, if you enter an amount into the “Additional Principal Amount” field on the payment screen, those funds will not be applied toward the monthly payment due. Funds entered into the “Additional Principal Amount” field will be applied as a principal reduction payment only and will not pay or partially pay the next payment due on the account. If you are interested in signing up for Auto BillPayer, please contact Auto BillPayer at ###-###-####. Auto BillPayer is available to assist you Monday through Friday from 8 a.m. to 5 p.m., ET. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Payment History