PROCORPSA

[redacted] Date: April 18, 2017 Account: [redacted] Regarding Your [redacted] Credit Card Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your [redacted] 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. I also want to thank you for taking the time to speak with me regarding your concerns. Since you stated that you did not make the purchase of $13.83 that posted to your [redacted] Credit Card ending in [redacted] on November 21, 2016, and the purchase of $36.36 that posted to your account on November 25, 2016, our Disputes Resolution Department opened case number [redacted] to investigate your dispute. Their investigation determined that the purchases were not valid and approved your dispute. You are not responsible for repaying the purchases and related fees. I have enclosed a copy of the letter they sent to you on April 4, 2017. Your card ending in [redacted] was closed due to fraud and a new [redacted] Credit Card ending in [redacted] was opened as a replacement. Due to the fraud on your account, we also submitted an update to all four (4) credit reporting agencies to remove the account ending in [redacted] from your credit report. Please allow up to thirty (30) days for the credit reporting agencies to update their reporting. If you would like to contact the credit reporting agencies directly, their contact information is listed below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### Since you said you did not receive your statements, we confirmed that your statement preference for your new account ending in [redacted] is for the statements to be mailed to the mailing address on file. I hope this letter meets your satisfaction and resolves your needs. 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 Enclosure: Dispute Approval Letter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Although I did not save the original letter they mailed to me, I found online the similar offer (Attached). I remembered clearly that I asked when I activated my card about the promotion, and I was told it's $500 if spending $3,000 for first 3 months, the notes was in my account. And the problem is after 3 months, I called in the card customer service and asked about the promotion, I was told I am qualified according to the notes in my account. Now after waiting and calling for almost 2 month. Suddenly I am not qualified? How shameful is this company keep doing this to her customers!
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   I have also explained to the bank that if my name was still on the account the matter was not handled correctly because I had no access to the account and the afore mentioned letters were never sent to me. No this is not satisfactory and their internal research has not shown diligence in them trying to reach me regarding this matter.  Again. I would like for this vendor to remove my name from [redacted] along with any derogatory information they have falsely posted. 
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]

[redacted]     Date: February 17, 2016     Account: [redacted]Regarding Your Fifth Third Bank [redacted]Dear [redacted]: We received a copy of the complaint you filed with the Better...

Business Bureau, concerning your [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. Your comments expressing less than quality customer service are very concerning. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. We sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to us. Feedback like yours helps us identify problems and 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.Please find enclosed your credit card statements dated December 24, 2014 to your present statement dated January 22, 2016. Your credit card statement issued on December 24, 2014, indicated a minimum payment of $52.00 was due by January 21, 2015. On January 21, 2015, the Bank had not received your minimum payment and a $25.00 late charge was assessed to your credit card account.Your next statement dated, January 24, 2015, indicated the $25.00 late charge and the minimum payment due was $129.00 by February 21, 2015. The Bank received and posted your payment of $55.70 on January 23, 2015. However, this payment did not satisfy the minimum payment due by February 21, 2015. Therefore, on February 23, 2015, a $35.00 late charge was assessed to your credit card account. This fee is on your statement dated February 24, 2015.Your February 24, 2015, statement indicated a minimum payment of $161.30 due by March 21, 2015. This payment included a past due balance of $73.30. The Bank received and posted your two (2) payments of $44.00 on March 3, 2015, and March 16, 2015. However, no other payments were received prior to March 21, 2015. Therefore, a $35.00 late charge was assessed to your credit card account. This fee is on your statement dated March 24, 2015. Your March 24, 2015, statement indicated a minimum payment of $161.30 was due by April 21, 2015. This payment included a past due balance of $73.30. The Bank received and posted your $44.00 payment on April 15, 2015. However, this payment did not satisfy the minimum payment due by April 21, 2015. Therefore, a  $35.00 late charge was assessed to your credit card statement. This fee is on your statement dated April 24, 2015. Your April 24, 2015, statement indicated a minimum payment of $206.30 was due by May 21, 2015. This payment included a past due balance of $117.30. The Bank received and posted your $44.00 payment on May 11, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on May 22, 2015. This fee is on your statement dated May 22, 2015. Your May 22, 2015, statement indicated a minimum payment of $252.30 was due by June 21, 2015. This payment included a past due balance of $162.30. The Bank received and posted your $44.00 payment on June 8, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on June 23, 2015. This fee is on your statement dated June 24, 2015.Your June 24, 2015, statement indicated a minimum payment of $298.30 was due by July 21, 2015. This payment included a past due balance of $208.30. The Bank received and posted your $44.00 payment on July 14, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on July 22, 2015. This fee is on your statement dated July 24, 2015.Your July 24, 2015, statement indicated a minimum payment of $345.30 was due by August 21, 2015. This payment included a past due balance of $254.30. The Bank received and posted your $44.00 payment on August 10, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on August 24, 2015. This fee is on your statement dated August 24, 2015.Your August 24, 2015, statement indicated a minimum payment of $393.30 was due by September 21, 2015. This payment included a past due balance of $301.30. The Bank received and posted your $44.00 payment on September 11, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on September 22, 2015. This fee is on your statement dated September 24, 2015. Your September 24, 2015, statement indicated a minimum payment of $454.30 was due by October 21, 2015. This payment included a past due balance of $349.30. The Bank received and posted your $44.00 payment on October 14, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on October 22, 2015. This fee is on your statement dated October 24, 2015.Please note, based on your payment history, the Bank did revoke your ability to make purchases with your credit card account on October 23, 2015.Your October 24, 2015, statement indicated a minimum payment of $516.30 was due by November 21, 2015. This payment included a past due balance of $410.30. The Bank received and posted your $44.00 payment on November 10, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on November 24, 2015. This fee is on your statement dated November 24, 2015. On December 14, 2015, the Bank received a proposal from [redacted] ([redacted]) regarding a payment plan for your credit card account. On December 15, 2015, the Bank was contacted by [redacted], from [redacted], regarding the proposed payment plan. During that conversation, [redacted] was informed that the account in question ([redacted]) was not a valid account number. Our agent suggested to [redacted], that the card might be your credit card ending in [redacted]. The Bank rejected the initial proposal on December 15, 2015, because the account number was not a credit card account.On December 17, 2015, the Bank received an offer of $44.00 payments toward your debit card account ([redacted]). The Bank faxed a counter-offer to [redacted] at [redacted] for a payment of $52.00 on the correct account ending in [redacted]. On December 22, 2015, the Bank received an offer for the correct account number ending in [redacted] with monthly payments of $52.00. The Bank accepted this payment plan. The first payment of $52.00 was due on January 20, 2016. The Bank has lowered your interest rate to a fixed rate of 5.99%. Please use the enclosed statements as verification of the lower interest rate beginning with your statement dated December 24, 2015.Please note, the Bank did receive a $49.40 payment on January 11, 2016. This is the last payment made toward your credit card account. It was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matter. You are a valued customer and we hope you will allow us to serve 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, Patrick S.Office of the PresidentPC: Revdex.comEnclosure: Credit Card Statements

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  I am hopeful that the resolution will be reflected on my bill as stated in the letter and will be able to confirm this once I get my next month's statement.  Thank you very much for your help in this matter.  I really appreciate your efforts and helping customers make things right.  Thanks again!
Regards,
[redacted]

[redacted]Date:       July 13, 2015Account:        [redacted]Regarding Your Installment Loan AccountDear [redacted]:We received a copy of your complaint filed with the Better...

Business Bureau, 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.Our records confirm that the [redacted] Signature card promotion for movies tickets purchased by Fandango.com was not offered by the Bank. The promotion was offered directly through [redacted].We are very sorry if your telephone calls to the Bank did not provide the level of customer service you desired, and if the information provided did not clearly communicate that the Bank was not responsible for the promotion or [redacted]’s fulfillment of this offer.In the interest of customer service, we have enclosed a refund check totaling $9.00. We are also sending you a gift card in the amount of $25.00 in a separate mailing. Although we sympathize with the difficulties you encountered, we are not willing to offer you $120.00 in compensation as you requested.We hope this correspondence will help you understand Fifth Third Bank’s position going forward. We appreciate your patience while we researched your request, and I trust the information detailed herein answers any questions you may have. 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,Elizabeth J. Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   I just received an email from the Revdex.com closing the file on 53rd Bank. I've been having problems with my computer, so I didn't get a chance to respond in the time allowed.  I did call the Revdex.com to see what the status of the claim was prior to this notice. They told me they contacted 53rd twice to get a response.  I finally received a letter from 53rd bank last week. Needless to say, I was very disappointed with the letter 53rd sent me. The bottom line is, iIt took them 4 months to tell me I didn't qualify for a home loan.  There is no excuse for that. I put alot of money in this loan.  They led me to believe the loan would go through.  Otherwise, I wouldn't of spent the money I did.  I also  had 3k in Earnest Money. I almost lost that too. I had to get an extension after extension for this loan. Never got returned phone calls from them.  Contacted managers, supervisors, even went up to the head of the morgage department, and finally got someone to finallize the loan. The bottom line is, 53rd bank doesn't care about their customers at all. The loan was transfered to 3 - 4 different loan officers. I hope you will give me a chance to continue the effort in getting this resolved.  Please don't close the case.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
I personally just spoke to [redacted] my agent (8/19/2016) and she told your office that I did not have a policy for the months of December Janurary and Feburary which I had already told you. The only months you were supposed to inquire about were March and April of 2016. She she confirmed that I DID have coverage on those dates with her office and that she would give me a copy of the letter confirming I had such. She said she never told you I was not covered for those two months but said there was not a separate policy for the dates you questioned about. She did say I didn't have coverage for the 3 months you were not supposed to inquire about. I do have a copy of the letter sent from your office as a response to my original Revdex.com complaint stating your policy was in place for the months of March April and May. 3 months that was it. Nothing was mentioned about December Janurary or Feburary until a letter from the insurance department a month after the first letter. The first letter clearly states only those 3 months. I have also inquired to several different banks and their insurance departments just for customer comparison. I checked with [redacted], [redacted], [redacted], and 2 banks from your city and state [redacted], and [redacted] both located in [redacted] and and not one single bank retro actively charges insurance for dates that have already passed. I did not mention your bank's name as not to alert them to a competitor and I wanted an honest unbiased opinion. 4 of the banks called your practice questionably legal and extremely unethical and a way to kick a customer when they are down. I will not close this matter until you get this right! Your bank is full of errors and I had to correct one 2 days ago in fact! I recieved yet ANOTHER letter on August 1st, sent to the wrong address by the way I had called and given my correct information twice and it still has not been updated in your system, stating you were going to force a 2nd insurance policy because I didn't have full coverage effective currently. I in fact did and my grandmother stayed on the phone with you for a full hour trying to correct your mistake since I can't waste an hour or two daily. I have to work 12 hours a day trying to make ends meat and you are forcing policies on us in addition to the car payment. It was an error in your system and it was proven that we do have current insurance! Again, call [redacted] request a copy of that letter from the OWNER [redacted], of the agency which I asked you to do in the first place in the previous rejection and don't inquire about December Janurary or Feburary because we were not with them on those dates. Only inquire about THE LETTER and the faxed copy you need! I will not be closing this matter of refunding for March and April until it is corrected. My attorney is dealing with December Janurary and Feburary being a retro active charge in March since the letter stated only March April and May so no further discussion should be made in this claim about the other 3 months. 
Regards,
[redacted]

[redacted] Date: March 7, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com, regarding the missing...

payment for your mortgage loan account. . We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. 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. 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 and to fully research your concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience this situation may have caused you. On January 5, 2016, you called our customer service number and advised that you mailed a check for your mortgage payment the preceding day using an envelope for a promotional mailer you received. You stated that you crossed out the department name and wrote “payment processing” but you did not change the address. You called back on January 15, 2016, and were informed that this was the last day to make a payment on the account without incurring a late fee. As the Bank has several different locations that process payments for a variety of loan types, we had not yet been able to locate a copy of the check you sent. You declined to make a payment over the phone or online, and advised that you would place a stop payment with your Bank on the check you sent and send a new check. On January 25, 2016, you made a payment to your mortgage loan account in the amount of $322.90. The payment was applied to your January 2016, payment obligation and also paid the late fee of $8.31. On January 27, 2016, the original check you sent was located and processed by the mortgage loan department. The check was returned unpaid on February 1, 2016, due to the stop payment you requested. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. It was not our intention to cause you any hardship. Please note that the late fee you paid on January 25, 2016, for $8.31 was waived on February 9, 2016. After the fee was waived, your payment of $8.31 was reversed and applied to the principal balance of your loan. If you have any questions regarding this payment and reversal, please contact me at the number below. As of today, your loan is due for your March 1, 2016 payment obligation in the amount of $303.43. In the interest of customer service, we would also be willing to reimburse you for the stop payment fee charged to your checking account due to this returned payment. Additionally, in the future please send payments to: Fifth Third Bank P.O. Box 630412 Cincinnati, OH 45263-0412 You may want to consider enrollment in Auto BillPayer for your mortgage loan. Auto BillPayer enables you to have payments automatically deducted from your non-Fifth Third Bank checking account each month on the due date or any date within the grace period. Many of our customers appreciate the convenience of Auto BillPayer, which eliminates the need of check writing and mailing in your payments. If you have any questions about Auto BillPayer, or if you would like to set up the payment service, please call Auto BillPayer at ###-###-####, Monday through Friday, 9 a.m. to 5 p.m., ET. If you utilize Auto BillPayer and a payment date is setup every month during the grace period, our Collection Department will not contact you during the grace period. [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, Jennifer C. Office of the President

I read [redacted] additional rebuttal. He has not provided any additional information than was not provided in his previous correspondences. We have responded to this customer 5 times with the same information. We will need him to provide a copy of the declaration page from his insurance policy to prove that he had comprehensive coverage on the related vehicle.Per his last request, I even contacted his insurance agent directly to request a copy of the declaration page. We have still not received proof of the insurance. Our response will not change. Thank you, [redacted]| Fifth Third Bank Customer Care Specialist II| Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263

[redacted] Date: March 8, 2016 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com (Revdex.com)...

regarding your installment loan. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. Thank you for taking the time to speak with me today. Your comments expressing less than quality customer service are very concerning. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. We sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to us. Feedback like yours helps us identify problems and improve the level of service we provide to our customers. On February 5, 2016, the Bank received and posted a $6,906.26 payment to pay off your installment loan ending in [redacted]. At the time of the loan closing, the mailing address on your account was: [redacted] Upon processing the lien release for your loan, the Bank mailed your title to the above address. On March 3, 2016, the title was returned due to the incorrect address. However, on March 1, 2016, you contacted our customer service department and updated your mailing address to your current address. As we discussed during our phone conversation today, the title was mailed to your current address on March 3, 2016. If you have not received the title, please contact me at the number below. I will work with the collateral department to issue a replacement duplicate title. Thank you for your patience while we researched this matter for you. You have been a valued customer, and we certainly hope you will consider using Fifth Third Bank for your financial needs in the future. If I can 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, Patrick S. Office of the President

[redacted] Date: February 13, 2017 Account: [redacted] Regarding the Repossession of Your Vehicle Dear [redacted]: Thank you for your call to the Bank regarding the repossession of the...

vehicle securing your Fifth Third Bank auto loan. We also received a copy of the complaint you submitted to the Revdex.com. 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 the difficulties you have encountered regarding this matter. We strive to provide exceptional service to our customers, 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. After receiving notice that the insurance policy on your [redacted] was cancelled on May 19, 2016, we sent a notice to you at the mailing address on file on June 6, 2016, requesting you to submit proof of full coverage vehicle insurance required under the terms of your loan note. When we did not receive the requested proof of insurance, we sent two (2) additional notices to the mailing address on file on June 27, 2016, and July 12, 2016. I have enclosed copies of those notices for your review. When we still did not receive the requested proof of insurance, we added force-placed insurance costing $1,829.00 to your auto loan on July 27, 2016. The force-placed insurance added to your loan increased your monthly payment; however, you continued to pay the regular monthly payment of $289.78. This caused your loan to become past due. Due to the delinquency on your loan, our Collection Department made multiple attempts to contact you at the numbers on file to inform you of the delinquency and to make payment arrangements. However, you did not make any arrangements to bring your loan current, so on December 7, 2016, we referred your vehicle for repossession when your account was ninety-two (92) days past due. On January 18, 2017, we repossessed the [redacted]. That same day you contacted our Collection Department to make arrangements to redeem the vehicle. On January 20, 2017, you made a payment of $1,335.16 by check at a banking center. We reviewed your calls to our Repossession Department and confirmed that you were told that the reinstatement amount needed to be paid in cash. Since you did not pay the reinstatement amount in cash, our Repossession Department held the release of your vehicle to ensure that the check payment would not be returned unpaid. After speaking with [redacted] on January 24, 2017, our Repossession Department submitted a release to our repossession agent so that you could redeem the vehicle. It was certainly not our intention to cause you any hardship. However, our research determined that the force-placed insurance was not added on your loan in error, and the vehicle was not repossessed in error. Therefore, we are unable to reimburse you for any costs associated with the repossession. I am sorry for any frustration this may cause you. On January 27, 2017, after receiving partial proof of insurance, we credited $1,469.00 to your loan leaving $360.00 still owed for the force-placed insurance. Our research determined that you were unable to provide proof of insurance from May 19, 2016, through July 30, 2016. If you have proof of insurance for this lapse period, you may mail it to 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 this documentation to my attention at ###-###-####. Once we receive this documentation we will forward it to our Insurance Department for a possible full credit of the force-placed insurance. As of February 9, 2017, the force-placed insurance of $360.00 has been paid in full. Your loan is due for your next payment of $283.78 on March 5, 2017. You may want to consider enrolling with our Auto BillPayer service. Auto BillPayer will automatically transfer your full monthly payment amount from a non-Fifth Third Bank checking account to your loan by the due date each month at no additional charge. If you are interested in enrolling with Auto BillPayer, please contact Auto BillPayer at ###-###-####, Monday through Friday, 8 a.m. to 5 p.m., ET. Thank you for your patience while we conducted our research. You are valued customers, 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: Insurance notices

All late payment reports have now been removed from my credit report and issue is satisfactorily resolved. Thank you for your assistance.

[redacted] Date: December 22, 2016 Account: [redacted] Regarding the Hold on Your Express Banking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding the hold...

on your Express Banking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. I also want to thank you for taking the time to speak with me on November 22, 2016. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. On October 22, 2016, you contacted the Bank to report that your debit card was lost. You also filed a fraud dispute for the following ATM (Automated Teller Machine) withdrawals: $800.00 on October 19, 2016; $800.00 on October 20, 2016; $760.00 on October 21, 2016. While investigating your dispute, we placed a hold on your Express Banking account ending in [redacted] due to the fraudulent activity on your account in order to protect you and the Bank from further possible fraud or loss. On October 25, 2016, we posted provisional credits totaling $2,360.00 to your account while we completed our investigation. On December 2, 2016, your dispute was approved and the provisional credits totaling $2,360.00 were made final. I have enclosed a copy of the letter we sent to you to inform you of the results of our research. Upon completion of our investigation, the hold was removed from your account. Thank you for your patience while we conducted our research. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Final Dispute Letter

[redacted] [redacted] [redacted] Date: September 14, 2016 Accounts: [redacted] [redacted] [redacted] Regarding Your Fifth Third Bank Accounts Dear [redacted]: We received a copy of the rebuttal you submitted to the Revdex.com regarding your Fifth Third Bank accounts. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. However, we stand by the response conveyed to you in our previous letter dated August 5, 2016. Our position on this matter has not changed. You expressed additional concerns in your rebuttal that your overdraft protection did not work. Our records show that your savings account ending in [redacted] was set up as overdraft protection for your checking account ending in [redacted]. Both accounts were opened on August 21, 2014. However, no funds were ever deposited into your savings account, and it was closed on October 6, 2014. No other account was set up as overdraft protection for your checking account. You also expressed additional concerns that the disclosures for your Secured [redacted] ending in [redacted] were not provided to you at the time you submitted the application. Specifically, you mention disclosures regarding late payments. The disclosures enclosed with our previous response are provided to all applicants for a Secured [redacted] at the time the application is submitted. In regards to late payments, the Fifth Third Bank Card Agreement states the following: ** You acknowledge that you specifically intended to grant us the security interest in all funds in the Secured Bank Account, that this security is an express condition for your Account and the funds in your Secured Bank Account must remain on deposit during the term of this Agreement…If you do not pay your Account balance or we decide to close your Account for any reason, you authorize us to apply all of the funds in the Secured Bank Account to your outstanding Account balance. (page 2, section 3) **Your payment is due on or before the Payment Due Date shown on your Account Statement. You must pay at least the Minimum Amount Due show on your Account Statement on a monthly basis[.] (page 2, section 8) ** If we do not receive the Minimum Amount Due by the Payment Due Date, there is a late payment fee of $25.00. Any subsequent late fees will be $35.00 until you make your required Minimum Amount Due by the Payment Due Date for six consecutive Billing Cycles. (page 3, section 14) ** You agree that, subject to Applicable Law, if your Account is in default under this Agreement, you will accept calls from us at your home and your place of business regarding collection of your Account. You understand and agree that the calls to your home may be automatically dialed and a recorded message may be played. You agree such calls will not be considered “unsolicited” calls or telemarketing calls for purposes of state or federal law. (page 5, section 23) I have enclosed another copy of the Fifth Third Bank Card Agreement for your convenience. Thank you for your patience while we conducted our additional research. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Fifth Third Bank Card Agreement

[redacted] [redacted] [redacted] Date: January 31, 2017 Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your mortgage account. We appreciate the time you have taken to express your continued thoughts and concerns. On behalf of the Bank, I apologize for the difficulties or concern this situation may have caused you. However, per our conversation on January 23, 2017, we stand by our previous correspondence dated January 20, 2017. The Bank is unwilling to provide financial compensation regarding this matter. For your reference, I have enclosed a copy of our previous correspondence. However, if you incurred overdraft fees on your checking account due to the additional two (2) business days it took for the Bank to issue your check, we would be happy to reimburse those fees. If this is the case, please submit a copy of your Bank statement showing the transactions and applicable overdraft fees. Please be assured that I have contacted the relevant Bank personnel regarding the information you received from our Customer Service Department. We appreciate your time and patience, and apologize for the distress this matter may have caused. 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 Enclosure: Previous Correspondence

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
This company is a burden to consumers, I made a payment on Dec.3 2015 and based on their letter my payment was due on Dec.6, 2015. So again how was I late on my payment. So FIFTH THIRD IS SAYING THAT MY PAYMENT ON DEC. 3,2015 WAS NOT CONSIDERED A PAYMENT, because it was not paid on Dec.6 2015. My statements say that payment is due by the 3rd of the month, so  why on the sixth was my payment considered not paid. This is the magic question, the confusion of  payments with this company is the real problem. I always made my payment by the 3rd of each month, but because they conveniently changed  to then due date to the 6th of every month, WOW!!!  Now this is a problem. Whatever.!!!!! No resolution will come to this matter, this is BIG business and do not care,  THEY  do consumers wrong every day I am sure. they screwed up, and I would never be able to prove they are wrong, not until 100 OR 1000 people have this problem will anyone see this is a BIG CONSUMER problem, with this bank.  How can this business still accrue late fees and interest, on a decision they made to revoke this credit card???? There will never be a reasonable solution, minorities, little people, whatever you call us always get the wrong end of the stick and guess what they continue to get away with it. Thanks for posting it on your web site, because there will be others with this issue, guaranteed.
 
Regards,
[redacted]

[redacted] [redacted] 
[redacted] Date: July 27, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

checking account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. You advised that your mortgage company processed a double mortgage payment from your Fifth Third Bank checking account in error. I confirmed that the payment processed on July 17, 2017. The beginning balance in your checking account on July 17, 2017, was $1,310.96. There was a $300.00 deposit to the account that day, which increased the balance to $1,610.96. Eleven (11) transactions posted to your account that day, including a $2,334.92 Automated Clearing House (ACH) transaction from [redacted]. The ending balance in your checking account on July 17, 2017, was negative ($905.00). Four (4) transactions were paid while the account balance was negative. As a result, four (4) overdraft fees of $37.00 each were assessed to the account on July 18, 2017. Enclosed is a copy of the Overdraft Notice that was issued. I confirmed per the previous transactions in your checking account that the payment processed by [redacted] is typically for $1,167.46. The $2,334.92 amounts to two (2) payments of $1,167.46. A wire transfer was credited to your account on July 19, 2017, for $1,167.46. Per the enclosed Consumer Account Pricing & Services document, there is a $15.00 fee to receiving an incoming wire transfer. The fees assessed by Fifth Third Bank were debited from your account correctly. No error on behalf of Fifth Third Bank occurred. Because you advised that your mortgage company deducted the funds in error and then sent the wire transfer through to correct the situation, we waived the total $148.00 in overdraft fees and the $15.00 wire transfer fee as a courtesy to you. I am very sorry for the dissatisfaction you experienced as a result of this situation. Please note that if [redacted] deducts extra funds in error in the future, we will not be able to waive resulting fees because it is not a Fifth Third Bank error. In the event of a future error by [redacted], you would need to contact [redacted] directly to request reimbursement for fees assessed as a result of their error. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Overdraft Notice, Consumer Account Pricing & Services

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 notes were incorrect stating that Fifth Third Bank's  insurance department contacted my insurance agent. On the contrary! My agent contacted them on several occasions to try and correct the bank error stating our policy was not effective until May 29,2016. It was Effective the beginning of March,2016 with full comprehensive coverage. I have all payment receipts to my insurance agency  and policy dates to prove my coverage and payments I made each month of $125 to cover myself AND my wife which is not even required. We went the extra mile to pacify this bank. The bank never sent me a copy of proof of letters sent to us in December, Janurary, and March. In March 2016 (I still hold all receipts and documentation and phone recordings to back up my claims and will be providing them to be reviewed as proof) I brought my account up to current status because we had fallen behind on a couple of payments due to hardship and serious life threatening illness of my father which resulted in my wife leaving her job to care for him  and the bank refused to work with us during that time even when we requested an extension of only 5 days for our monthly payment, instead, only adding stress to the situation by demanding full payment or repossession. None the less, we could not keep up and fell behind. That was our fault and we completely take full responsibility for it, however,  in March, we made things right, so we thought, and fully paid all outstanding balances and even sent the payment through [redacted] paying an extra $20 for rush delivery(I have proof with receipts and will provide for review). We asked twice if there were any other grievances on the bank's end that needed to be addressed by us (we recorded this particular call having learned from past experiences with this bank and will be providing it for review as well) and were told twice on two separate occasions, "No Mr [redacted]. This will bring all problems with your account to a close and you may return to your regular payments of $399 monthly and we greatly appreciate the business you bring us." We resumed those payments immediately (receipts on those as well for review) for March and April because we were not told different nor were we sent a new payment booklet as the bank claims until May 2016. In MAY I recieved a payment booklet with payments for $786 monthly. After spending hours on the phone trying to sort this mess out to no avail and told them we never recieved a booklet in March this booklet magically appeared a few days later in our mailbox.  A SECOND payment book was recieved THREE DAYS LATER reflecting the $506 payments as stated in this letter. I still have both envelopes showing the postmark as being mailed 1 day apart on May 30,2016. This bank charged us retroactively after we had brought our account to good standing. They charged us for insurance lapses in December and January and February. They did not charge us until March and when we proved with many many faces direct from our agent in addition to phone calls that she was also spoken poorly to by the Bank's customer service agent, we had current coverage. They told us the insurance was retroactive and even though the time had passed they were going to add a policy for December 2015, Janurary 2016, and Feburary 2016, on March 16,2016 after we were told by customer service agents (names and employee ID are recorded but omitted here for privacy) there was nothing else that needed to be addressed at the beginning of March! I asked if they would cover damage that occurred during that time period and they replied yes. It so happens there was damage by a hail storm in the amount of $3,717 that we would have to pay out of pocket and asked if we could file a claim. They Athens changed their tune and the dates they were charging us for. They saw an opportunity to make an extra $2300 on our loan despite the fact that they did not catch it until March 2016. We then recieved a letter IN WRITING a couple of weeks ago that said in fact the insurance charges were only for March, April, and May2016. Convenient is it not? So which is it?December-May as stated in this letter, or March-May as stated in the latest letter we recieved in the mail last week? We have come to an impass with this financial institution with their unwillingness to correct their mistake and continue to fabricate the dates that fit their claims to squeeze excess money from us, while ruining my credit in the process and preventing us from our first home purchase and, also, so that I am unable to refinance with a different financial institution who does not have a reputation of misleading their customers, who are crude when they call, who willfully and maliciously attack customers they know are in an impossible situation. They charge you just enough that it would be cheaper to pay them than an attorney to fight them in court. They want you to fail. They want to squeeze every last dime from you until they bleed you dry and can not get any extra funds from you and then take your property so they profit off some other poor unsuspecting soul. Please do your research before using this bank! The information is out there! All you have to do is a simple Internet search for customer reviews on car loans with Fifth Third Bank and look at their [redacted] page in the comments! There are countless customers who have been scammed in the same fashion and manor as we have been. We didn't do our research. We just saw a low interest rate and jumped on it. We've paid double that interest rate by now.  We have hired an attorney who is starting proceedings to address this insurance scam and breach of contract on the bank's part in a civil court and also sending the complaints to [redacted] State Attorney General, [redacted], to assist us in the investigation of Fifth Third Bank's practices and to see if he can take action against them as well. We are paying the amount they are demanding, since they are ruining my credit and sent a repossession man to our place of business today, and seeking reimbursement for this and whatever else our attorney seems suitable plus attorney fees in court. I would rather pay an attorney and lose that money than let this bank to continue to Harris us for the remainder of the loan which is roughly 3 more years. All further communication with Fifth Third Bank and myself will be through our lawyer whose name is omitted to protect privacy.
Regards,
[redacted]