PROCORPSA

[redacted] 
[redacted] Date: August 3, 2016 Account: [redacted]Regarding Your Credit Bureau Reporting Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning...

the information on your credit report. We appreciate the time you have taken to express your concerns regarding this matter. We conducted a thorough review of the information provided to the credit reporting agencies regarding your mortgage loan. Our review determined that the information provided to the credit reporting agencies is correct. On September 14, 2007, you filed Chapter 13 bankruptcy. Our research determined your mortgage loan was included in the bankruptcy. Please find enclosed a copy of Schedule D- Creditors Holding Secured Claims. Please use the enclosed document as verification your mortgage loan was included in the bankruptcy. I have also enclosed a copy of the discharge papers dated September 6, 2012. Because your mortgage loan was not reported to the credit bureaus between September 2007 and September 2012, two (2) of the credit reporting agencies deleted the account from reporting. Our research determined [redacted] is reporting the mortgage loan account. We have contacted [redacted] and [redacted] on your behalf; however, both credit reporting agencies have informed the Bank that the account will not be added to your credit report for the following reasons: ** Due to the Bankruptcy ** Length of time the account was not reported If you would like to contact the credit bureaus directly, the contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Schedule D, Discharge Papers

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  The February 23 conversation entailed a Fifth Third promise to follow up by phone after research was complete, and confirmation was provided that I was not to take any action until such follow up. Since resolution was not provided, I have resolved on my own by completing paperwork to defease the loan and will leave the complaint as unresolved.
Regards,
[redacted]

[redacted] Date: December 28, 2016 Account: [redacted] Regarding Your Business Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your business...

checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We strive to provide exceptional service each time you visit one of our banking centers, and I am sorry that was not your experience. Please be assured we researched this matter thoroughly 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. It is our understanding in speaking with the Point Place Banking Center that the incident you mention in your complaint took place on December 8, 2016. However, your business checking account ending in [redacted] initially became overdrawn on December 5, 2016. On that day, the beginning balance in your checking account was $292.14. One (1) credit of $4.87 and nine (9) debit items totaling $418.03 posted to your account resulting in a negative ending balance of ($121.02). Due to insufficient funds for five (5) of the debit items, five (5) overdraft fees totaling $185.00 were assessed and posted to your account the following business day. Please note that overdraft fees are assessed to an account for items that overdraw an account the previous business day. Any deposits or credits that post on the next business day would not stop the overdraft fees from being assessed. Please also note that the overdraft fees may not be assessed to the account at the start of the next business day and may not appear on your account until later in the business day. On December 6, 2016, your account had a negative beginning balance of ($121.02). One (1) overdraft fee reversal of $37.00 and four (4) debit items totaling $365.45, including the overdraft fees totaling $185.00, posted to your account resulting in a negative ending balance of ($449.47). Due to insufficient funds for three (3) of the debit items, three (3) overdraft fees totaling $111.00 were assessed and posted to your account the following business day. On December 7, 2016, your account had a negative beginning balance of ($449.47). Two (2) debit items totaling $53.57, including the overdraft fees totaling $111.00, posted to your account resulting in a negative ending balance of ($614.04). Due to insufficient funds for one (1) of the debit items, one (1) overdraft fee of $37.00 was assessed and posted to your account the following day. On December 8, 2016, the day on which we understand that you visited the Point Place Banking Center, one (1) provisional credit of $126.00 for a disputed item posted to your account. I am sorry for any difficulties you experienced while attempting to make a deposit; however, other deposits or credits posted to your account on that day. I am sorry for any difficulties you experienced while attempting to make a deposit as you stated in your complaint. I have enclosed copies of the overdraft notices we sent to you to notify you of the negative balance for your convenience. Your account has remained overdrawn since that time. During the time your account has remained overdrawn, one (1) overdraft fee, one (1) monthly service charge of $29.00, twelve (12) daily overdraft fees totaling $96.00, and one (1) direct deposit of $643.49 have posted to your account. As of December 23, 2016, your account has a negative available balance of ($6.55). In order to bring your account to a positive balance, please visit any Fifth Third Bank banking center to make a deposit. If your account remains overdrawn for fifty-five (55) days we may charge off your account and report it to ChexSystems for collection proceedings. It was certainly not our intention to cause you any hardship. Our records show that we have waived overdraft fees totaling $74.00 since your account was opened on April 27, 2016. We are unable to waive any additional fees per our bank policy. You may want to consider attaching your business savings account to your checking account as overdraft protection, or applying for a business line of credit to use for overdraft protection. If you are interested in either of these options, please visit any Fifth Third Bank banking center. Additionally, during our telephone conversation on December 21, 2016, you mentioned that you had other concerns that were not included in your complaint. If you would like to discuss these concerns, you may contact me at either number below and I will be happy to further research this matter. You may also send your additional concerns to me in writing at the following address: Fifth Third Bank Office of the President Attn Elizabeth D. 5050 Kingsley Drive MD 1MOCOP Cincinnati OH 45263 You may also fax the information to me at ###-###-####. Thank you for your patience while we conducted our research. 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, Elizabeth D. Office of the President Pc: Revdex.com Enclosures: Overdraft Notices

[redacted] Date: September 21, 2015 Account [redacted] Regarding Your Equity Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your equity loan. We appreciate...

the time you have taken to document your thoughts and concerns regarding this matter. On March 22, 2006, you agreed to a fifteen (15) year equity loan of $36,500.00. This amount included the payoff to [redacted] Financial of $34,591.73, settlement costs of $1,785.00, and cash to you of $173.27, less a credit of $50.00. One hundred seventy-nine (179) installment payments of $263.70 are due on the eleventh (11th) of each month beginning on May 11, 2006, and one (1) balloon payment of $27,780.43 is due on April 11, 2021. I have enclosed a copy of your loan note and settlement statement for your review. Your equity loan is a simple interest loan, with interest accruing daily on unpaid principal. When we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last payment. Then we apply the remaining funds to the unpaid principal balance. Your payment habits affect the amount of interest you pay over the life of your loan. If payments are received late during the life of the loan, you pay more in interest over the life of the loan. Because less of your payments are applied to the principal balance, there may be a larger final payment due to late charges paid and additional accrued interest. Since your loan originated on March 22, 2006, a total of $2,118.76 has been applied to your principal balance. A review of your payment history shows several late payments throughout the life of the loan, which have affected the interest accrued on your loan, and therefore the amount of your payments applied to principal. Additionally, the payments throughout the life of the loan have not been significantly greater than your regular monthly payment amount of $263.70. With several late payments throughout the life of the loan, less of the extra you have been paying has been applied to principal. Below is a chart showing the payments that have posted in the past twelve (12) months, which details how much of the payments were applied to principal and interest, how much interest had accrued since the last payment, and how much interest was remaining after the payments had been applied: Payment Interest Accrued Late Interest Payment Date Principal Interest Amount Since Last Payment Charges Remaining Satisfied 10/09/14 $275.00 $229.09 $45.91 $229.09 $0.00 $0.00 10/11/14 11/06/14 $275.00 $206.65 $68.35 $206.65 $0.00 $0.00 11/11/14 12/11/14 $275.00 $257.79 $17.21 $257.79 $0.00 $0.00 12/11/14 01/12/15 $275.00 $235.59 $39.41 $235.59 $0.00 $0.00 01/11/15 02/17/15 $265.00 $264.73 $0.27 $264.73 $0.00 $0.00 02/11/15 03/09/15 $275.00 $147.07 $127.93 $147.07 $0.00 $0.00 03/11/15 04/09/15 $200.00 $227.12 $200.00 $0.00 $27.12 04/11/15 05/08/15 $265.00 $239.59 $25.41 $239.59 $0.00 $0.00 05/11/15 06/09/15 $265.00 $234.28 $30.72 $234.28 $0.00 $0.00 06/11/15 07/10/15 $265.00 $226.75 $38.25 $226.75 $0.00 $0.00 07/11/15 08/13/15 $215.00 $248.41 $215.00 $0.00 $33.41 08/11/15 09/08/15 $253.00 $223.98 $29.62 $223.38 $0.00 $0.00 09/11/15 As you can see, significant portions of your payments have been applied to accrued interest, with two (2) payments applied entirely to interest. The interest rate on your equity loan is 7.75% with interest accruing by $7.30 daily. If you would like to pay down more of your principal balance to avoid a larger balloon payment at maturity, then you will need to make larger extra payments, as well as make your payments by the due date each month. I have also enclosed a copy of your payment history, which details all of the payments that have posted since the beginning of your loan and how they have been applied to your loan. As of September 17, 2015, the total payoff of your equity loan is $34,446.94. This amount includes principal of $34,381.24 and interest of $65.70. Your next payment of $263.70 is due on October 11, 2015. Unfortunately, we are unable to make any changes to the existing terms of your loan based on your complaint. However, you have the option of applying for a loan modification. If you would like more information, or you would like to apply, please contact our Loss Mitigation Department at ###-###-####, option 1. They are available Monday through Friday, 8 a.m. to 5 p.m., and Saturday, 8 a.m. to 12 p.m., ET. Any specialist will be happy to assist you. You also mentioned that you are unable to apply for a refinance with Fifth Third Bank. Please note that although we are unable to originate new loans in Arizona, we are still able to service our current loans that were previously originated in Arizona. Thank you for your patience while we researched this matter for you. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. 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 Enclosures (3): Note, Settlement Statement, Payment History Page 2 of 2

[redacted] Date: February 28, 2018 Account: [redacted] Regarding Your Fifth Third Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to hear about the...

difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. We strive to provide quality service to all of our customers, and I apologize that we failed to meet your expectations. Please be assured that Fifth Third Bank takes your feedback seriously, and I have contacted the relevant parties to pass on your concerns. Because we had already disbursed a $4,713.51 tax payment on November 1, 2017, our Tax Department attempted to reach [redacted] by telephone to verify the additional amount due. Our records indicate that multiple attempts to reach [redacted] were made by telephone. These attempts were not successful, and the amount due was eventually verified through their website. Fifth Third sent a tax payment of $845.99 to [redacted] on January 2, 2018. The taxes were due for November 13, 2017, so Fifth Third paid the late fee and interest penalty for you. Please be advised that your upcoming 2018 tax payment will be processed from your escrow account as scheduled. We anticipate paying [redacted] $2,423.05 by May 10, 2018. If you feel this may have impacted your tax liability, please consult with your tax adviser. Since the full impact cannot be determined until future tax returns have been filed with the Internal Revenue Service, we invite you to revisit with us after you file your 2018 tax returns to discuss any impact. We apologize for any inconvenience. 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, Alison S.Office of the President Pc: Revdex.com

An additional review has confirmed our
original findings. We have reviewed the ATM activity for the day you said you
made the deposit, October 1, 2016, and several weeks following; however, we did
not locate the funds. The ATM’s daily activity balanced, and no loose cash was
found inside the machine. In this circumstance, we would normally direct the
customer to file a police report, and I understand that you have already done
so. While we consider our investigation complete, we would offer all available
support to any further investigation done by local law enforcement.  Please also find below a copy of the letter being mailed to the customer. Thank you. [redacted] Date: December 19, 2016 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to hear about the difficulties you have experienced in trying to resolve this matter and I appreciate this opportunity to respond to your concerns. You notified the Bank that an Automated Teller Machine (ATM) failed to complete your cash deposit for $1,200.00 and it was not credited to your account. Our Disputes Department opened the case number [redacted] and issued a provisional credit of $1,200.00 to the checking account on October 3, 2016. The credit was removed on November 15, 2016, when the ATM was found to be in balance. You contacted the Bank to question this resolution and we reopened this case. An additional review has confirmed our original findings. We have reviewed the ATM activity for the day you said you made the deposit, October 1, 2016, and several weeks following; however, we did not locate the funds. The ATM’s daily activity balanced, and no loose cash was found inside the machine. In this circumstance, we would normally direct the customer to file a police report, and I understand that you have already done so. While we consider our investigation complete, we would offer all available support to any further investigation done by local law enforcement. You are a valued customer and we would like to offer our sincere apologies for the inconvenience and frustration this matter has 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, Alison 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.   
Regards,
[redacted]  Problem: I have files a complaint before with Revdex.com about 53 Bank. Same subject. Processing time of merchant transaction is unethical. They process their transactions just before midnight so that would not give enough time to account holder to come up with the deposit to bring the account to positive so they would not be chargedDesired Outcome: Reversal of 2 NSF fees. This is unethical, unacceptable. No bank process payments right before midnight. This service is to charge customers and benefits only the Bank.

I do not agree with them! I've reached out to the dealership & left several of messages & didn't get a response. [redacted] is a client of Fifth Third Bank and they should be working with them on getting the inquiry removed. Also, if Fifth Third doesn't have an application with my signature on it stating that I gave them authorization to pull my credit then it definetly needs to be removed!

[redacted]Date: April 14, 2016Account:      [redacted]  Regarding Your Installment LoanDear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your vehicle loan. We 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 frustration this matter may have caused you. Please be assured that we have contacted the relevant parties to research your loan and passed on your concerns. We make every effort to offer assistance options to eligible customers in as timely a manner as possible, and sympathize with the difficulties that you have encountered.Our records indicate that you spoke to our Loss Mitigation Department regarding your installment loan in January 2016. On January 20, 2016, your loan was approved for a one month deferment plan and the Deferment Agreement was emailed to you to be signed and returned. The deferment plan was then cancelled due to a returned loan payment. The payment received on January 15, 2016, in the amount of $852.17, was returned and reversed off your loan on January 20, 2016. Our Loss Mitigation Department attempted to contact you regarding the returned payment and the cancellation of the deferment agreement. However, our records show they were unable to reach you by phone. On April 1, 2016, we received a payment of $4,054.30. This payment brought your installment loan current and cancelled the repossession of the 2011 Ford truck held for collateral. As of today, your loan remains current with a partial payment of $285.77 due on April 18, 2016. Our records also show that your vehicle insurance was cancelled in November 2015 and the insurance coverage on your vehicle lapsed. Full coverage vehicle insurance is required throughout the life of the loan. We work with a third party insurance vendor to research and monitor the insurance coverage. If it is determined that full coverage insurance is not in place for the related vehicle, an insurance policy will be placed and the insurance premium will be added to the loan. Should we receive proof of insurance after that time; the insurance premium added to the loan will be removed and the monthly payments will be adjusted to the original payment amount.On November 23, 2015, December 14, 2015, and January 26, 2016, our insurance center mailed notification letters to the address we had on file to inform you that we had not received proof of insurance for your vehicle. I have enclosed copies of the letters sent for your review. Since we did not receive proof of insurance from you or your insurance company, on February 10, 2016, force placed insurance costing $2,261.00 was added to your loan. As a result, your monthly loan payment increased to $1,134.80. Once we receive proof of valid insurance coverage for your vehicle, your loan will be adjusted and your monthly payment will be reduced. Please contact our insurance center at ###-###-####, Monday through Friday, 7 AM EST to 8 PM EST, and provide the reference # 482-089-32. Thank you for your patience while waiting for a response as we conducted our research. You are a valued customer and we sincerely hope that you will continue using Fifth Third Bank for your financial needs in the future. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,  Lisa S.Office of the PresidentPc: Revdex.comEnclosures: Insurance notices

[redacted] Date: October 9, 2015 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding...

your vehicle installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience 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. The payment due date for your vehicle installment loan is the 22nd day of each month. There is a payment grace period for your loan of fifteen (15) days. A payment received within the grace period is still considered late; however, a payment received within the grace period will not be assessed a late charge. The Bank does not send a monthly invoice for payments due on a vehicle installment loan. When your loan was initiated, it was set up to be paid using monthly loan coupons. According to our records, your loan is now paid by Fifth Third Auto BillPayer. Please refer to the table on the following page for the payment history on your loan as of October 8, 2015. Payment Payment Satisfied Past due Date Late Late Date Late Due Date Received Payment(s) for Charge Charge Charge Due Date payment Assessed Amount Reversed June 22, No Not June 22, July 7, $52.78 July 8, 2015 Payment satisfied 2015 2015 2015 Received July 22, July 29, June 22, July 22, August 6, $52.78 Not 2015 2015 2015 2015 2015 Reversed August 22, August July 22, August 22, September $52.78 Not 2015 10, 2015 2015 2015 6, 2015 Reversed September October August 22, August 22, October 7, $52.78. N/A 22, 2015 5, 2015 2015 and 2015 and 2015 The loan September September was also 22, 2015 22, 2015 assessed because a fee of the $15.00 payment because was the returned payment due to was insufficient returned funds due to insufficient funds October Not yet N/A N/A N/A N/A N/A 22, 2015 received Please be aware that when your loan is past due for payment, you may receive calls from our Collections Department. Our Collections Department will first attempt to call the phone number(s) that we have on file for you. If we cannot reach you at the number(s) that we have on file for you, we may attempt to call other phone numbers that are associated with you, or have been associated with you in the past. If we attempt to call you and discover that the phone number dialed is not a number where you can be reached, we will not attempt to call that number in the future. We regret any inconvenience this may have caused you. According to our records, most of the calls from our Collections Department were to the phone number ###-###-####. This is the only phone number that we have on file for you. Since we were unable to reach you at this number numerous times, we attempted to contact you at alternate phone numbers that we were able to find. If the phone number of ###-###-#### is not the best number for us to call to contact you, please contact our Customer Service Department and provide us with the best number for us to call. Our Customer Service Department can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET. Since there have been no errors made by the Bank, and one of the late charges has already been reversed, no additional late charges have been reversed at this time. Please also be aware that the payment of $1,055.50 that was processed by Fifth Third Auto BillPayer was returned due to insufficient funds. Please also be aware that Fifth Third Auto BillPayer will attempt to draft the payment a second time. The loan is still due for the August 22, 2015, and September 22, 2015, payments. Additionally, the regularly scheduled loan payment is due by October 22, 2015. If I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P. Office of the President

[redacted] 1[redacted] Date: June 14, 2017 Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau (Revdex.com) regarding your checking account. 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 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. As we discussed on June 12, 2017, the Dispute Resolution Department (DRD) has concluded the investigation for case [redacted]. Please find enclosed a copy of the letter sent to you on June 8, 2017, informing you that the case had been approved. During our telephone conversation you confirmed you had removed the refunded money from your checking account. As of June 12, 2017, the account remains open with a zero (0) balance. Any additional questions regarding your dispute can be addressed with our DRD. A Customer Service Representative is available at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m. Saturday, 8:30 a.m. to 5 p.m., ET. Please have your case number ([redacted]) available when talking with the agent. Once a year, you can receive a free copy of your credit report from the four (4) credit reporting agencies. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: DRD approval letter

[redacted] Date: January 29, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding a recent ATM...

(Automated Teller Machine) transaction. We appreciate the time you have taken to express your concerns regarding this matter. Our top priority is to provide our customers with outstanding service. At Fifth Third Bank, we are continuously evaluating the service we provide to our customers. Your comments expressing less than quality service are very concerning. Please be assured that we take your feedback very seriously and the relevant parties have been contacted to express your dissatisfaction with the service you received. According to your complaint, you were recently using a Fifth Third Bank ATM and attempted to make a cash deposit to your checking account. While the ATM was processing your deposit, the machine went down and retained your card and the deposit. Our Disputes Department was contacted and case # [redacted] was opened to fully research your claims. The investigation was completed and on January 15, 2016, your checking account was credited $2.00. According to your complaint, you are not satisfied with the outcome of our investigation. Therefore, our Disputes Department has re-opened your case to further investigate your claims. We will have a final determined no later than February 10, 2016. Written confirmation will be sent to you from the Disputes Department once our investigation is completed. We strive to provide professional and accurate service and I apologize for any inconvenience this matter has caused you. You are a valued customer and I appreciate this opportunity to address your concerns. If I may 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, Lisa S. Office of the President Pc: Revdex.com

[redacted] Date: September 16, 2016 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 the frustration you experienced regarding this matter. I confirmed that you contacted the Bank on September 7, 2016, to dispute the $40.00 cash withdrawal you completed that was not dispensed. The case number for your dispute is [redacted]. Please note that federal regulations require the Bank to provide a provisional credit to your checking account within ten (10) business days of submitting the dispute. We provisionally credited the $40.00 to your checking account on September 13, 2016, which was four (4) business days after you filed the dispute. Enclosed is a copy of the letter we sent to you on September 13, 2016, about the provisional credit. Per the enclosed correspondence, you will have full access to use the $40.00 credited to your account while we research the dispute claim. Please note that if the dispute is not found in your favor, the $40.00 provisional credit will be removed from the account. If the dispute is found in your favor and approved, the $40.00 provisional credit will become a final credit. The Bank will submit a letter to you regarding the findings. If you would like to check on the status of your dispute in the meantime, please contact our Dispute Department directly at ###-###-####. The Dispute Department is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. Please provide the case number listed in this correspondence. 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: Provisional Credit Letter

[redacted] Date: August 18, 2017 Regarding Your Online Access Dear [redacted]: We received a copy of your Revdex.com complaint and letter addressed to the Bank, concerning your difficulty accessing...

your accounts online. 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. After further research, we confirmed that your social security number entered as the ‘User ID’ on 53.com was connected to an old Jeanie card ending in [redacted] that you no longer used. On August 14, 2017, we removed the social security access from your old Jeanie card ending in [redacted] and connected it to the Jeanie card you currently use ending in [redacted]. On August 15, 2017, we spoke regarding the adjustments noted above for your online access. During our conversation, I asked you to log into 53.com using your social security number as the ‘User ID’ and the four (4) digit Personal Identification Number (PIN) associated with your Jeanie card as the password. After entering the information as requested, you successfully logged into 53.com and were able to view your account information online. In addition, copies of your account and check image statements from May 2017 thru August 2017 are enclosed for your review. We sympathize with the difficulty you encountered while attempting to view your account information online. In the interest of customer service, three (3) of the check image statement fees totaling $6.00 that were assessed to each your checking accounts ending in [redacted] and [redacted], were reversed and credited back on August 17, 2017. [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, Danielle S.Office of the President Enclosure: Statements 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.   Fifth Third bank has not sent any additional information regarding my complaints. Their response appears that they haven't even read my complaint. They have NOT stated how it is possible they have sent me two checks, yet only have record of one. They state I have not provided additional information, but they will not respond to what I have specifically stated in my response. Their agents over the phone can verify these payments made, and checks sent, yet the person handling their Revdex.com complaints doesn't have access to this same information, to logically respond to a complaint of a customer. They can consider this matter closed - a good customer extremely dissatisfied. If they can't even read through a complaint, and provide actual information in regards to it, I have no interest in continuing this back and forth. This is not a reputable company that can back anything up, or even attempt to resolve a complaint. I will not accept their response as it is clear they have not actually read anything I've sent - as they have not answered anything regarding my account information. With that, it is clear I cannot trust this company with my information either.For me, this matter is not closed and I have no issue containing to state what a terrible, untrustworthy company this is. Unless they would like to provide actual insight into my complaint and how they could not have this information, even after sending me a check, I need no further communication from them. 
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.   
Regards,
[redacted]  Hello,How do I reopen the case?I was on a vacation, so I just got a response.The only response from 5/3 in regards to the case I received was that they are still investigating it.Summary:1) [redacted] charged my card on behalf on someone else's account (unauthorized charge)2) [redacted] refuses to issue credit, and then admits that they charged me for someone else3) [redacted] is out of business, 5/3 contacted by Email, [redacted], Revdex.com, [redacted] - the claim is open (after 30 days delay once [redacted] was delivered with the details and supporting docs as instructed by terms and conditions for billing error resolution);4) The claim was accepted, yet I am not getting the credit within 5-10 days as I should be getting per agreement5) I did not sign, receive anything I was billed for - the 5/3 bank SHOULD HAVE NOT received anything with my name, signature, and authorization of the payment documents OR ANYTHING at all.6) Federal law requires them to resolve the issues within 60-90 days, my case took 6-7 months to say that unfortunately "go and talk to the merchant which is out of business for months"7) Now they claim that they have sent me 7 messages - only messages were responses to Revdex.com and [redacted] complaints saying "that they are still working on it".I am not sure whats taking so long- when all they need to do is to contact the merchant deduct the funds. And the case if resolved - if the merchant is responding its going to be forged documents without any details to support their case - such as work delivery, contacts, my IP address for all the payment submitted and so on.I am very dissatisfied with 5/3 and I will be filling more complaints to follow as well as ripoff reports so that others could see how 5/3 is handing the disputes. I have a good belief that funds ended up in 5/3 and is basically not being released back to me, or the error resolution was not followed as it should have. So I will need to outline this to Federal reserves and [redacted] in a new complaint (it looks like these organizations keep filling against them nonstop for the ongoing violations).How would you feel if your account was billed $6000, the merchant would be delaying to respond until the last moment, and the bank would say "well.... too bad for you".Sincerely,[redacted]

Revdex.com Im responding yet again to correct the mistake that this company continues to make even though I have corrected them in each and every complaint.  The declaration page they are requesting from [redacted] should only be regarding the months of March2016-May2016. [redacted] was not our carrier in December 2015-February 2016. We agreed that they we did not have coverage those 3  months and Fifth Third Bank charged us for insurance of those dates AFTER those dates had already passed.  The issues with those particular dates is that Fifth Third Bank said since they charged us in May 2015 for the dates of December 2015-February 2016 they would retroactively pay a claim if there was damage to our vehicle.  That is false. I tried filing a claim for damage done to our car in Janurary in the amount of $3,000 and they refused to file the claim stating the dates had already passed. That is our issue with those dates. We were only asking for refund of March2016-May2016 due to the fact we had full coverage through [redacted]. [redacted] at [redacted] has stated she has done everything they have asked of her multiple times! The only reason I can think that Fifth Third is rejecting it is due to their dates not being correct and you can see in past answers I have stated this MULTIPLE times!
[redacted]

[redacted] Date: February 28, 2018 Regarding [redacted] Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding a check drawn on [redacted]...

[redacted] checking account. We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. I want you to know that feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As you are not a co-signer on the account in question, we are unable to share any details concerning this account with you. I apologize for any inconvenience this may cause you. Please be aware that we responded to your complaint in detail and mailed a response to [redacted]. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
The bank has stated that the disputed transaction is valid based on information supplied by the merchant.  I had several conversations with the bank's dispute department in which I pointed out that a charge may appear valid if my account was hacked.  I don't doubt that the evidence provided by the merchant appeared valid.  However, my wife submitted an affidavit stating that the transaction was not authorized by us.  Despite the information provided by us in the affidavit and my several telephone discussions with the disputes department, the bank has refused to work with us to resolve this issue and has put the burden on us to try and get our money back from the merchant directly.   I don't doubt that the bank is within their rights to deny us this claim.  I also don't doubt that the bank has the ability to fix this error.  It is clear to me that the bank has no interest in making this right for us despite months of telephone calls and a good faith effort on my part to provide the bank with sufficient evidence of the fraud we experienced.  Consequently, I have decided it is not worth the stress and frustration to pursue the matter further.  I have closed my account with the bank and will not do business with them again.To summarize, I would like to make the following points regarding this experience:1.  By keeping our money at the bank, we put our trust in them to keep it safe.  They did not.2.  In the event that our money is not kept safe, we put our trust in them that they will make us whole.  They did not.3.  When communicating my concerns to the bank, I expect clear consistent communication on their part.  During this process I felt that the bank was using a different reason every time they told me they would not give us our money back.4.  The bank's final correspondence stated that they could still refund our money unless the charge is considered valid.  We stated unequivocally and on many occasions that the charges were not valid.  The bank has made it clear that they will not pursue the issue further despite our assertions.  I do not feel that they have made a reasonable effort to look after our interests.
Regards,
[redacted]

[redacted] Date: February 1, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your checking account. We appreciate...

the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. 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 researched this matter thoroughly and passed on your concerns to the relevant parties in 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. In the spirit of customer service, we waived the additional $62.00 in overdraft fees that were assessed to your account ending in [redacted] January 10, 2017, through January 12, 2017. I truly hope this resolution meets your satisfaction. I also want to help you understand how items are posted to your account and how fees are assessed to help you avoid overdraft fees in the future. Fifth Third Bank processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order: 1. Credits and deposits made prior to the end of day cut-off time and subject to our Funds Availability Policy. 2. Time-stamped debits, such as ATM (Automated Teller Machine) withdrawals and debit card purchases, in the order in which they are received. 3. All other debits, including checks and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges in the order of the largest amount to the smallest amount. Debit card and Automated Teller Machine (ATM) transactions are time-stamped debits and are pre-authorized by us at the time of card use and appear in your account as pending items until they are posted. Other debits such as checks and electronic bill payments are not pre-authorized by us and do not include a timestamp. Therefore, these items will not appear as pending during the day because they are collected during overnight processing. These transactions will post to the statement for the business day they were presented for payment from Fifth Third Bank, the day the payments were authorized by you to be paid. As the customer you are in the best position to know what checks and electronic payments were authorized by you and outstanding on your account. I have enclosed a copy of our current Rules and Regulations for your review. Pages eleven (11) and twelve (12) provide additional information regarding our transaction posting order. On January 9, 2017, the beginning balance in your account was $748.41. Two (2) credits totaling $0.09, and ten (10) debits totaling $953.12 posted to your account on that day. The debit items included six (6) debit card purchases, three (3) ATM withdrawals, and one (1) web initiated payment. Your account had a negative ending balance of ($204.62). When you viewed your account via Mobile Banking on that day, you would have seen the debit card purchases and ATM withdrawals as pending transactions on your account because those types of transactions are time-stamped. However, you would not have seen the web initiated payment as a pending transaction because those types of transactions are not time-stamped and do not appear in your account until they are posted at the end of the business day. Due to insufficient funds for the web initiated payment, one (1) overdraft fee of $25.00 was assessed and posted to your account the following business day. On January 10, 2017, your account had a negative beginning balance of ($204.62). Three (3) credits totaling $209.70 and three (3) debit items posted to your account on that day. The debit items included two (2) web initiated payments and the overdraft fee assessed for the previous business day. Your account had a negative ending balance of ($45.40). Due to insufficient funds for both web initiated payments, two (2) overdraft fees totaling $74.00 were assessed and posted to your account the following business day. Again, please keep in mind that you would not have been able to see the web initiated payments as pending transactions on your account because those types of transactions are not time-stamped. On January 11, 2017, your account had a negative beginning balance of ($55.40). One (1) ATM deposit of $10.00 was credited to your account and three (3) debit items totaling $84.48 posted to your account on that day. These items included one (1) debit card purchase, one (1) web initiated payment, and the overdraft fees assessed for the previous business day. Your account had a negative ending balance of ($129.88). Due to insufficient funds for the web initiated payment one (1) overdraft fee of $37.00 was assessed and posted to your account the following business day. On January 12, 2017, one (1) ATM deposit of $120.00 and two (2) overdraft fee waivers totaling $74.00 were credited to your account bringing your account to a positive balance. I have enclosed copies of the overdraft notices we sent to you for your review. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides information regarding the fees assessed to your account, Overdraft Protection options, and Overdraft Coverage options. Our records also show that you declined Overdraft Coverage for ATM and everyday debit card transactions which means if you attempt to authorize your debit card beyond the balance in your account the transaction will be declined. You have the ability to change your Overdraft Coverage preferences for ATM and everyday debit card transactions online at 53.com, at any Fifth Third Bank banking center, or by calling customer service at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. Thank you for your patience while we researched this matter for you. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. 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 Enclosures: Rules and Regulations, Overdraft Notices, Overdraft Solutions Document