PROCORPSA

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 letter from the bank states that no adverse reaction would be taken against my credit report but it has already been adversely affected. All three credit bureaus are reporting 5 months late. I will be writing a letter to 5/3 bank and cc their general counsel that this needs to be remedied by 1 April or we will have to take legal action. We are unable to secure other credit because of this issue. We will also be asking for a paper statement every month which we do not receive.
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.  First I'd like to point out that they are being less than truthful about the date I changed my address with them.  When I called them March 1 they confirmed my current address as the address that was on file, additionally they have sent mailings to me at my current address.  They originally mailed my title to the address on the title, not the address on my account.  Again...this was their mistake and they refuse to take responsibility for it.  As of today I have yet to receive my title and it doesn't appear as if they mailed it via a manner that there is tracking or any proof that it was sent which is what I requested.
Regards,
[redacted]

[redacted] [redacted] [redacted] [redacted] Date: October 29, 2015 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your Essential Checking account ending in [redacted]. 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 the difficulties you have experienced with your account. Your remarks about how the Bank processes transactions and handles account overdrafts are very concerning. Please be aware that the Bank utilizes a standardized method for processing transactions and handling account overdrafts. 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 the cut-off time as detailed in our Funds Availability Policy. 2. Time-stamped debits, such as ATM 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. The information displayed on the Bank’s website at www.53.com, is provided as a convenience to our customers. It is designed to assist our customers in monitoring their accounts. Please note that when a check is outstanding on your account, it will only be displayed on our website after it has posted to your account. For this reason, it is important to ensure that you have sufficient funds in your account to cover transactions you authorized. A check that has been presented for payment posts to your account at the end of the business day on which it is presented for payment. Because of this, if you view your account balance on our website before the end of the business day on which the check is presented for payment, the check being presented for payment will not be reflected in the account balance. It will be reflected in your account balance on our website the next business day. On September 30, 2015, the ending balance in your checking account was $35.06. On October 1, 2015, check number 9001 in the amount $25.00 posted to your account. The ending balance in your account on October 1, 2015, was $10.06. On October 2, 2015, the debit card purchase of $14.29 at Fazoli’s posted to your account. The ending balance in your checking account on October 2, 2015, was negative ($4.23). On October 5, 2015, you initiated a $4.23 transfer from your checking account to your Access 360 card, overdrawing your account further. If this was done by mistake, we have no record of you making an adjustment and transferring the funds back to your checking account. The ending balance in your account on October 5 was negative ($8.46). Your checking account was then assessed a $37 overdraft fee and the $11 monthly service on October 6, 2015 resulting in a negative balance of ($56.46). I have enclosed a copy of your account statement for your review. It was certainly not our intention to cause you any hardship, but our research did not reveal any wrongdoing by Fifth Third Bank. We also believe that we assessed applicable overdraft fees to your account in accordance with the Bank’s policies and procedures; however, we are still willing to help you. If you deposit $8.46 into the account, which is the amount owed on the account before any fees were assessed, we will reverse the fees that have been charged on the account since October 5, 2015, and close the account. Please be aware that this cannot be done until you deposit $8.46 into the account. I have tried to call you at the number we have on file for you but have not been able to reach you. Please visit a Fifth Third Banking Center to deposit $8.46 into your account as soon as possible. Please also be sure to bring this letter with you when you make the deposit so that I can be contacted after the deposit is made and then ensure that the account gets closed. 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: Statement

[redacted] [redacted] [redacted] Date: January 20, 2017 Account: [redacted]Regarding Your Mortgage Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your mortgage 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. We received two (2) payments for your mortgage loan in December 2016. The payment we processed on December 1, 2016, covered the payment due for December 2016. The payment we processed on December 5, 2016, covered the payment due for January 2017, causing the account to be paid one (1) month ahead. I confirmed that you do not utilize Fifth Third Bank’s automatic payment service, Auto BillPayer. Fifth Third Bank does not automatically initiate payments on your behalf. If you utilize automatic payments, it is through a non-Fifth Third Bank service. You contacted the Bank on December 7, 2016, to request the extra payment be returned back to you. When an overpayment on a loan or mortgage is requested to be sent back, the Bank waits ten (10) business days before creating a check to ensure the payment is not returned for any reason. Ten (10) business days from the date of the refund request was December 21, 2016. Unfortunately, we did not create the check until December 23, 2016, which was mailed to you the next business day on December 27, 2016. I am sorry for the distress that the delay in returning the check to you caused. Please be assured that I have forwarded this situation to the relevant Bank personnel. While there was an additional two (2) business day delay in creating the refund check, the Bank did not cause the double payment. For this reason, we are unwilling to provide you with financial compensation as requested. 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

[redacted] [redacted] [redacted] Date: June 28, 2017 Account: [redacted] Account: [redacted] Regarding Your Truly Simple Credit Card Dear [redacted]: We received a copy of the letter you sent to the Revdex.com...

concerning your Truly Simple 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 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 customer satisfaction. On May 7, 2017, we received your credit card application submitted on our website at 53.com. As you are already aware, as is indicated in your complaint letter, you contacted the Bank’s Disputes Resolution Department on May 19, 2017, and reported that the card was opened without your authorization. I have confirmed that the card should have been closed at that time since you reported that the card was opened without your authorization. Please accept my sincere apologies that the card was not closed on May 19, 2017, when you reported that the card was opened fraudulently. The card application that was fraudulently submitted on our website at 53.com contained the following information: ** applicant name as [redacted] ** applicant date of birth as [redacted] ** your full social security number 
[redacted] [redacted] ** applicant email of [redacted] On May 24, 2017, the fraudster called the Bank and successfully verified your full social security number and your address. The fraudster then requested that the address be changed from the [redacted] address. The fraudster then requested that a replacement card be mailed to the updated address. Since the fraudster successfully answered the security questions that were asked, the original card number ending in [redacted] was replaced with the card number ending in [redacted], and the replacement card was mailed to the updated address. The card was used to make purchases and was not closed until your Disputes Resolution Department case number [redacted] was closed on June 19, 2017. Since it was determined that the card was indeed opened fraudulently, you are not liable for the card or any of the purchases made on the card. Additionally, the Bank submitted a request to the credit reporting agencies to delete the credit inquiry and to delete the account from your credit bureau report. The credit bureau correction request was submitted when your Disputes Resolution Department case was closed on June 19, 2017. The letter from our Disputes Resolution Department informing you of this was mailed to you on June 19, 2017. A copy of the letter is enclosed for your review and convenience. I have also enclosed copies of the account statements for your review. Please be assured we have submitted an update to all four (4) credit bureaus to delete the inquiry and to delete the account. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. Please also be assured that we will continue to conduct reviews and follow up with the credit reporting agencies until we ensure the account is reporting correctly. If you would like to contact the credit bureaus directly, their contact information is below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted], thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosures (3): Disputes Resolution Department Letter Dated June 19, 2017 Statements 2

Hello, I did receive 2 calls from [redacted] while I was out of the office, I returned her call today and left a message.  I provided the number to our Borrower’s Assistance Department who would be best to work with [redacted] regarding hardship assistance. I have contacted them and confirmed that she may not qualify at this time.  I’ve attached our response, but without new information from the customer we would stand with our response.  Thanks. Pat S.Customer Care Team SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### Fax: ###-###-####Email:  [redacted]

[redacted] [redacted] [redacted] Date: August 20, 2015 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning your Fifth Third...

Bank credit card. We appreciate the time you have taken to bring this matter to our attention. Your feedback is important to us, so that we can better understand how we can improve our service to you. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction. We conducted a thorough review of the Real Life Reward promotions offered by the Bank during 2015. Our review determined that the Bank did not offer a promotion for cardholders to earn 8,000 reward points for spending $500.00 on their Real Life Reward [redacted] by March 31, 2015. The Bank did offer a promotion for cardholders to earn 2,500 reward points for spending $500.00 on their Real Life Reward [redacted] from April 1, 2015 through June 12, 2015. We regret that you did not meet the requirements for this promotion in the time frame allotted. In order for us to research the Real Life Reward promotion for 8,000 reward points further, please send a copy of the promotional offer to the following address: Fifth Third Bank Office of the President 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####.

Hello: We believe we have addressed the customer’s concerns in our prior responses. She has applied for three (3) mortgage loans, with the last two (2) requiring information to be removed/updated on her credit report by other vendors. Therefore, each application required a new pull of her credit. Thanks for your time, let me know if you need more information from the Bank. However, with the information provided by the customer, we stand by our previous responses.    Pat S.Customer Care Team SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOP

[redacted] Date: March 14, 2018 Account: [redacted] Regarding Your Recent Experience Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com (Revdex.com) regarding your...

recent deposit to your Essential Checking account ending in [redacted]. Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. Please be assured that we have researched the issue surrounding the deposit you made on March 3, 2018, that was not credited correctly to your account. We deeply regret that this occurred, but were pleased to verify that the deposit in the amount of $700.00 was able to be credited to your account on March 5, 2018, after this matter was researched at the Bowling Green Downtown Financial Center. Regarding your statement that the transaction amount in question should have been $1,000.00, I have regrettably been unable to find record of this. I have verified that the transaction that posted incorrectly that was completed on March 3, 2018, at 9:02 am at the Bowling Green Downtown Financial Center in the amount of $700.00 had been itemized and included $400.00 in one hundred dollar bills and $300.00 in twenty dollar bills. I deeply regret my inability to discuss this with you when I called, but as I stated in the voicemail I left on March 7, 2018, I would be happy to review the matter further with a receipt for the transaction in question reflecting this amount. To have this additional research completed, please mail the receipt to me directly at: Fifth Third Bank Office of the President Attn: Sarah S.5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 Alternatively, you may fax a copy of this to ###-###-####. Additionally, your comments expressing less than quality service you received are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. I also want you to know that customer feedback of this sort is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Although we deeply appreciate the feedback you have provided, as it assists us in identifying problems internally, we cannot inform you of specific internal corrective actions that may be taken to resolve this matter [redacted], I appreciate this opportunity to address your concerns and 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, Sarah S.Office of the President Pc: Revdex.com

[redacted] Date: December 19, 2017 Account: [redacted] Regarding Your Fifth Third Bank 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 if we failed to meet your expectations. As indicated within your loan contract, comprehensive insurance coverage must be maintained on the vehicle as long as there is an unpaid balance on your loan. Our records indicated that the existing insurance policy ended on August 8, 2017. We sent a notice to the above address on September 5, 2017, informing you that we will buy insurance and charge the cost to you unless we receive proof that you have obtained your own insurance policy. When no proof of insurance was received, we sent a notice to the above address on September 26, 2017, that the cost of our insurance policy, $1,990.00, was added onto your loan and your monthly payment amount was increased. I have enclosed copies of those notices for your records. Upon receiving proof of your insurance policy, the insurance cost was partially removed from your loan. Because there was a gap in comprehensive insurance coverage from August 8, 2017, to November 9, 2017, $507.00 in collateral protection insurance remained on the loan. This amount was divided over ten (10) months of payments beginning with the November payment. This increased your monthly payment by $50.70 to $327.91 through August 4, 2018. Your payment due September 4, 2018, will revert to the original payment amount of $277.21. The past due amount was a result of the added insurance which took effect with the payment due November 4, 2017. I apologize for the conflicting information you received about this. We understand your concerns about the collection calls you received. They are a failsafe Fifth Third Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. They are certainly not intended to cause you any hardship or frustration. We received your November payment of $325.29 on November 17, 2017. Your loan is due for the January payment of $327.91. In the interest of customer service, I have waived the late fee of $13.86 charged for the November payment. No unfavorable account information was reported to the credit reporting agencies, so no further adjustments are required. Your feedback helps us to identify problems and to improve the level of service we provide to our customers. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. 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 Enclosures

[redacted]Date: June 30, 2015Account:    [redacted]Regarding Your Essential Checking AccountDear [redacted]We received a copy of the complaint you filed with the Revdex.com regarding your Essential 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. 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.On June 12, 2015, you informed the [redacted] Banking Center of your intent to close the Essential Checking account ending in [redacted] due to an unauthorized charge that would be coming through from [redacted] Preschool. The remaining funds were transferred from the account into the new Essential Checking account ending in [redacted]. Due to the request to close the account and the knowledge that an unauthorized transaction was scheduled to come through, the banking center processed a request to place a hold on the account. This hold would not prevent the charge, but ensure that the transaction was returned to the merchant as unpaid. The following activity occurred on the Essential Checking account ending in [redacted]:On June 15, 2015, a transaction in the amount of $135.00 from [redacted] Preschool attempted to post to the account, however, this transaction was returned as unpaid on June 16, 2015. Because this item was returned, a $37.00 return item fee was assessed to the account.On June 16, 2015, a transaction in the amount of $153.86 from [redacted] attempted to post to the account, however, this transaction was returned as unpaid on June 17, 2015. Because this item was returned, a $37.00 return item fee was assessed to the account.On June 17, 2015, you transferred $153.86 from the account ending in [redacted] to the account ending in [redacted]. In addition, funds were transferred in the amount of $79.86 from the account ending in [redacted] to the account ending in [redacted]. The account ending in [redacted] had a zero remaining balance, and you closed the account.On June 18, 2015, the account ending in [redacted] was reopened by the [redacted] Banking Center. In the interest of customer service, the Bank reversed $37.00 of the return item fees that were assessed back into the account.On June 19, 2015, you transferred $37.00 from the account ending in [redacted] to the account ending in [redacted]. The account had a zero remaining balance, and you attempted to close the account. After the requested closure, a transaction in the amount of $49.55 from Comcast Cable attempted to post to the account, causing the account closure to fail. This transaction was returned as unpaid on June 22, 2015. Because this item was returned, a $37.00 return item fee was assessed to the account. On June 22, 2015, a transaction in the amount of $160.00 from [redacted] Preschool attempted to post to the account, however, this transaction was returned as unpaid on June 23, 2015. Because this item was returned, a $37.00 return item fee was assessed to the account.On June 23, 2015, the Bank reversed the $37.00 return item fee that was assessed for the [redacted] Preschool transaction because you indicated that was a fraudulent transaction. Also, in the interest of customer service, the Bank reversed $20.50 of the return item fees that were assessed to the account. In addition, funds were transferred in the amount of $37.00 from the account ending in [redacted] to the account ending in [redacted]. The account had a zero remaining balance, and you closed the account.On June 23, 2015, case C1506586656 was opened with our Disputes Department regarding the unauthorized transaction from [redacted] Preschool on June 22, 2015. Because the item was already returned due to insufficient funds, the dispute covered the associated return item fee. On June 25, 2015, the account was reopened by the Disputes Department, and on June 26, 2015, the overdraft fee that was assessed on June 23, 2015, in the amount of $37.00 was reversed into the account.On June 27, 2015, you transferred $37.00 from the account ending in [redacted] to the account ending in [redacted]. The account had a zero remaining balance, and per your request in your complaint we closed the account.On June 29, 2015, we processed a request to close the account. After the requested closure, a transaction in the amount of $49.55 from Comcast Cable attempted to post to the account, causing the account closure to fail. This transaction was returned as unpaid on June 30, 2015. Because this item was returned, a $37.00 return item fee was assessed to the account. However, this fee was reversed in order to close the account.As a result of the transactions attempting to post to the account after the requested closures, your account was unable to close. However, it is evidenced that you made multiple attempts to close the account. As previously detailed, the Bank reversed $168.50 of the return item fees that were assessed to the account. Because of your multiple attempts to close the account, we reversed the remaining $16.50 in return item fees that were assessed to the account. We submitted a request on June 30, 2015, to have these funds deposited into your Essential Checking account ending in [redacted]. In total, $185.00 in return item fees were assessed, and $185.00 in return item fees have been returned to you. In addition, the account was closed on June 30, 2015. We regret the frustration and inconvenience this matter has caused you.In the future, if you are aware of an unauthorized transaction that may attempt to post to your account, you are able to place a stop payment on that transaction. If you wish to place a stop payment on any transaction in the future, please visit your local banking center, or 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.Thank you for your patience while we researched this matter. 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.[redacted]Office of the President

[redacted] Date: July 6, 2017 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com concerning 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 customer satisfaction. Please also accept my sincere apologies for the level of service you received when you previously discussed this matter with our Collections Department. We strive to provide professional, courteous, and accurate service to our customer and we regret if this has not been your experience. We understand your concerns about the collection calls you received. Our Collection Department begins making calls to customers when a payment is not received by the due date. They are a failsafe Fifth Third Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. They are certainly not intended to cause you any hardship or frustration. Thank you for taking the time to discuss this matter with me on the telephone on June 26, 2017. At that time, you explained that the $400.00 payment in question was made by you in either July 2014 or July 2015. Regarding your June 2017 payment, on June 2, 2017, we received your payment of $265.34. On June 5, 2017, we received your loan payment of $265.34. The $265.34 payment received on June 5, 2017, was returned on June 6, 2017, because the paying account number provided was incorrect. In response to your complaint letter, we conducted a thorough review of your loan payment history. Our review of your loan payment history determined that all of your loan payments were processed and applied correctly when received. Since the Bank is legally required to report accurate loan payment information to the credit reporting agencies, we cannot accommodate your request to correct prior negative credit reporting of your account. The Bank can only correct negative credit reporting of an account if the negative reporting is due to an error made by the Bank. Since your loan payments were correctly processed and applied when received, and since we are legally required to report accurate loan payment information to the credit reporting agencies, we are unable to correct prior negative credit reporting of the loan. We regret if this causes you any inconvenience or frustration. If you would like to contact the credit reporting agencies directly, their contact information is below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### According to the enclosed copy of the loan payment history, we did not receive a $400.00 loan payment in July 2014. We also did not receive a $400.00 loan payment in July 2015. I want to take this opportunity to ensure that you are aware that you can view useful and important information regarding your loan on our website at 53.com. You can also make loan payment on our website at 53.com. Since you do not have a Fifth Third Bank debit card or credit card, you have the ability to enroll for online banking using your account number, full Social Security number (SSN), and information your loan note, a copy of which is enclosed. In order to enroll you will be required to reference your loan note to answer the verification questions asked. If you would like to enroll in online banking, please visit our website at 53.com. On the home page, select LOG IN. Since you are a first time user, you will need to click on the link to Register. From that point, you will be guided through the steps necessary to enroll in online banking. If you have question or need assistance establishing online access to your loan on our website at 53.com, please contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday 8:30 a.m. to 5 p.m., ET. I also want to be sure that you are aware of a payment option offered by the Bank, which may help you to avoid late payments in the future. It is a service called Auto BillPayer. Auto BillPayer will automatically transfer monthly payments from a non-Fifth Third Bank checking account to your installment loan at no cost to you. If you are interested in Auto BillPayer, please call ###-###-####, Monday through Friday 8 a.m. to 5 p.m., ET. Your next loan payment of $669.17 is due on July 4, 2017. 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: Payment History

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.   
Thanks for the phone numbers and explanation, but it does not address.. * why I was limited to scheduling 4 payments * why there is no way to automate this
Regards,
[redacted]

[redacted] Date: February 25, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding the collections calls...

you received related to your installment loan. We appreciate the opportunity to review this matter. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. Please be assured that we take your comments very seriously. We sincerely value your feedback as it assists us in delivering first class customer service which is a priority to us. It is feedback like yours that helps in identifying problems to improve the level of service we provide to our customers. Please be assured that the relevant parties have been contacted to express your dissatisfaction with the service you received. Thank you for the time you have taken to share your thoughts and concerns. On August 9, 2012, you were approved for and agreed to a vehicle loan of $9,372.42 with a fixed rate of five point six four percent (5.64%) for a term of forty-eight (48) months with a maturity date of August 8, 2016. Your installment loan was considered past due for payment if we did not receive your total monthly payment by the eighth (8th) of each month. The final calendar day of your ten (10) day grace period was not considered the due date for your payment obligation. The grace period indicated when a late charge would actually be assessed to your loan for a past due payment. If a payment does not post by the due date shown on the contract, it is considered delinquent and is subject to collection activity. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8:00 AM until 9:00 PM, including holidays. The Bank may make several calls each day in an effort to obtain a payment or to arrange suitable payment arrangements. On behalf of the Bank, I would like to apologize for the inconvenience these phone calls may have caused. It was certainly not our intention to cause you any frustration. On February 16, 2016, we received a check in the amount of $1,483.21 made payable to Fifth Third Bank. This check was applied to your vehicle loan and served as a full payoff of the loan for the [redacted]5 [redacted] that was held for collateral. This payoff payment was applied to your loan on February 16, 2015. You will be receiving a notification letter from the Bank confirming that your loan was paid off and closed with a zero balance owed. Thank you for your patience while waiting for a response, and we sympathize with the difficulties you have encountered regarding your loan. You were a valued customer and we look forward to servicing 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., EST. Sincerely, Lisa S. Office of the President Pc: Revdex.com

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

[redacted] Date: October 19, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com (Revdex.com) regarding your escrow...

refund check. Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. Please be assured that we have researched the issue surrounding the escrow refund check in the amount of $218.16 which was not received by you; we deeply regret that this check was not received when it was sent previously. I was pleased to confirm that this check has been stopped, and a new check was sent to you via overnight mail to the address listed above on October 18, 2017. Additionally, your comments expressing less than quality service you received are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. Mr. [redacted], I appreciate this opportunity to address your concerns and 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, [redacted] 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.  While I do appreciate the bank writing a response, it does not indicate why they feel the need to treat their customers with such disrespect. A grace period is just that. A grace period. There should be NO harassing phone calls during such a time. The people calling were very unprofessional, degrading, and condescending.  My wife, being seve monthspregnate at one of the times was harassed by an agent from their caller division, and really upset her. The payment was due on the 8th, and the calls (there was a total of 6 made that day) on the 9th by the guy were very rude to her. I ended up going to the branch that afternoon and demanded to know why they were treating my wife so poorly on thephone. No manager, but a teller aided me and told me this would never happen again. Well, it did. And that's why I wanted this loan paid off, and be done with it. During my last visit to the fifth third bank near [redacted], I was just totally dumbfounded as to how the branch manager treated me and his tellers. The customer in front of me, had an issue. The teller asked the manager for assistance, and he said he was busy activating someones card. She had to walk around, and go to himto get this customer taken care of. Then it was my turn. I asked to see the same manager so that I could pay off  my wife's loan, and the same result occurred. The manager once again was called, only for him to again remind the teller he was "busy". He was not with any other customer, and was just sitting at his desk starring at his computerscreen. The teller did her best, working with other tellers to figure out how to pay my loan off. About 6 minutes later he walked up to the teller, and whispered something to her about the process, then disappeared. Never once asked me how my experience was, never said a word to me. I am glad my loan is paid off, as this is by far one of the worstbanking experiences I've ever had to deal with in my life. I will not ever return, nor do business with fifth third again. 
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.  Fifth Third Bank only said they were sorry and never did anything further. They never attempted to verify my statements and apply a refund. Every time I called them they promised to look into the issue and get back to me within 3 or 4 days but they never did. Every time I called them it was the same story. I ended up refinancing my auto loan through a different bank so I no longer have to deal with Fifth Third Bank's unjust and incorrect over charges.
Regards,
[redacted]

[redacted] Date: August 17, 2015 Account: [redacted] Regarding Your Established Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your...

Established 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. 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. We apologize for the confusion regarding your Overdraft Coverage settings. Upon further review of your account we see you accepted Overdraft Protection March 2012 with your Relationship Savings account ending in [redacted] for purchases when your checking account had insufficient funds. Our records indicate you have had Overdraft Protection transfers between the period of March 6, 2012, to May 27, 2015. Please remember that if you decline Overage Coverage, your card will be automatically declined when attempting to make a debit card transaction if there is an insufficient balance. Overdraft Protection is a transfer of funds from a secondary account that takes place at the end of the business day to cover an already overdrawn balance. Overdraft Protection does not automatically transfer on-the-spot in the event there is a debit authorization on an insufficient balance. Currently, your Overdraft Protection account, the Relationship Savings account ending in [redacted], has been closed. On August 8, 2015, per your request, your Overdraft Coverage options have not been changed to decline all card purchases that may overdraw your account. We completed a review of the account transactions and the fees that were assessed. Please note you have several options available if you wish to review your available account balance, including via the ATM (Automated Teller Machine), on the Internet at 53.com, alerts via text message, and by calling our automated customer service line at ###-###-####. If the account becomes overdrawn, we also mail an overdraft notice to inform you of the occurrence that includes a detailed breakdown of the day’s transactions. Our review of the account included the following: ? On July 21, 2015, the beginning account balance was $59.65. Three (3) debit card transactions and one (1) ATM withdrawal totaling $164.23 posted to the account, leaving the account balance at ($104.58). The debit card transactions were not assessed an overdraft fee. However, the ATM withdrawal was assessed an overdraft fee in the amount of $37.00 the following business day. ? On July 27, 2015, the beginning account balance was $126.02. One (1) credit in the amount of $22.85 posted to the account. Also, two (2) debit card purchases and a web initiated payment totaling $198.02 posted to the account, leaving the account balance at ($49.15). The debit card transactions were not assessed an overdraft fee. However, the web initiated payment was assessed an overdraft fee in the amount of $37.00 the following business day. ? On July 28, 2015, the beginning account balance was ($49.15). One (1) debit card transaction in the amount of $53.65 and the $37.00 overdraft fee from the previous business day posted the account, leaving the account balance at ($139.80). The debit card transaction was assessed an overdraft fee in the amount of $37.00 the following business day. ? On July 29, 2015, the beginning account balance was ($139.80). Two (2) credits totaling $178.50 posted to the account. Also, one (1) debit card transaction in the amount of $10.00 and the $37.00 overdraft fee from the previous business day posted the account, leaving the account balance at ($8.30). The debit card transaction was not assessed an overdraft fee. ? On July 30, 2015, the beginning account balance was ($8.30). Two (2) debit card purchases totaling $85.43 posted to the account, leaving the account balance at ($93.73). Both debit card transactions were assessed overdraft fees in the amount of $37.00 each, totaling $74.00, the following business day. ? On July 31, 2015, the beginning account balance was ($93.73). Five (5) debit card purchases totaling $133.47 and the $74.00 overdraft fee from the previous business day posted to the account, leaving the account balance at ($301.20). Each of the five (5) debit card transactions were assessed overdraft fees in the amount of $37.00 each, totaling $185.00, the following business day. ? On August 3, 2015, the beginning account balance was ($301.20). One (1) credit in the amount of $64.46 posted to the account. Four (4) debit card purchases totaling $220.42, the $185.00 overdraft fee from the previous business day, and the $3.95 world debit monthly fee posted the account, leaving the account balance at ($646.11). Each of the five (5) debit card transactions were assessed overdraft fees in the amount of $37.00 each, totaling $185.00, the following business day. ? On August 4, 2015, the beginning account balance was ($646.11). One (1) credit in the amount of $67.66 posted to the account. Five (5) debit card purchases totaling $70.87 and the $185.00 overdraft fee from the previous business day posted the account, leaving the account balance at ($834.32). Each of the four (4) debit card transactions were assessed overdraft fees in the amount of $37.00 each, totaling $148.00, the following business day. I have also enclosed a copy of the overdraft notices that were sent to the address listed above for your convenience. We completed our review of the overdraft fees assessed to your account between July 21, 2015, and August 5, 2015, totaling $703.00. Our review determined there was no Bank error in assessing the overdraft fees to the account. However, in the interest of customer service, on August 8, 2015, the Bank reversed $150.00 of the overdraft fees, and these funds were credited back to your account. Because there was no Bank error in assessing these fees, we are unable to waive any additional fees. I am sorry for any frustration this may cause you. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q.Office of the President Enclosures: Overdraft Solutions, Overdraft Notices

[redacted] Date: January 11, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning a...

returned deposit item and the available balance on your checking account. 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 inconvenience this matter may have caused you. Please be assured that we have contacted the relevant parties and passed on your concerns. On November 16, 2015, you deposited a check in the amount of $1,950.00 into your checking account ending in [redacted]. Unfortunately, those funds had not been verified or collected at that time. Although we work diligently to prevent fraud perpetrated against the Bank and all of its depositors every day, Fifth Third must also respect certain transactions initiated and requested by our customers. On November 19, 2015, the beginning available balance in the checking account ending in [redacted] was positive $93.75. Two (2) items totaling $2,043.75 posted to the account including the returned deposit item of $1,950.00, which was returned unpaid as Altered/Fictitious. Due to this reason, a return deposit item fee of $15.00 was assessed to the account that also posted on that same day. In addition, an online transfer from your savings ending in 7331 for $107.10 posted as a credit to your account that day. The ending available balance on November 19, 2015, was negative (-$1,857.90). The check in question was discovered to be counterfeit and Bank Protection became involved and placed a hold on your account on December 30, 2015, in the amount of $500,000.00. The hold amount of $500,000.00 is only a temporary hold and used by Bank Protection to secure the account. The reason that your available balance is showing as negative ($502,384.57) is due to the $500,000 hold. Once the hold is removed, your available balance will be updated. The hold will be removed between day twenty five (25) and day thirty (30) and the account will be charged off for $2,384.57. Please be assured that it is not our intention to cause you any undue hardship and we are very sorry for the difficulties you have experienced. If you would like to contact Bank Protection directly, they can be reached at ###-###-####, Monday through Friday, 8 a.m. to 7 p.m., Saturday, 8 a.m. to noon, ET. Please reference case # C1512746635. [redacted], we strive to provide professional and accurate service to our customers and I am sorry if that has not been your experience. You are a valued customer and we look forward to serving your financial needs in the future. If I can be of any further assistance please contact me at ###-###-#### or toll free, ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C. Office of the President Pc: Revdex.com Enclosure: Statement