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.  
I have requested, and await, a breakdown of the final payoff from 5/3 Bank.  The letter attached in response to this Complaint states that 5/3 Bank accepted a "final payment" of $3996.01 on October 5, 2016.   I have not yet received a breakdown of the fees and charges on the payoff to know whether it is correct.  [redacted] has not yet received the consumer's equity of over $7000.00 to pass onto the Estate.  It's been 10 days since 5/3 Bank received payment.Likewise, while the situation was resolved, it took lawyers, a string of phone calls, and everything and anything short of filing a lawsuit and temporary restraining order to have the vehicle returned.  5/3 Bank can take the position that the payment was received after the reposession had been ordered - that is fine. However, it is 5/3 Bank that called me, the Administrator, on 9-19 threatening the car would be repossessed *if* immediate paynment was not made.  Payment was in fact made immediately, and 5/3 Bank executed its threat - reposessing the car.  It should not be on the consumer to have to jump through the hoops I jumped through to expose the deficiencies in 5/3 Banks checks and balance process - how many other customers have been threatened with repossession only to make the payments, and have their car repossessed anyway.  How many veterans have had cars repossessed.  It makes one wonder.It was not until I filed a complaint with the [redacted] and got legal counsel involved that 5/3 Bank cared to discuss resolution.  The prior week I had been told, rudely, and repeatedly, too bad.  Pay off the loan and the repo fees, and, drive to Cincinnati, 2 hours away, to pick up the car.  (Mind you, a car that needed new rear tires and was not safe to drive such a distance.)  They took the car to Cincinnati, and only sent the notification letters well after I had filed my complaints, and well after I was told I would not get said letters, and 5/3 Bank would not tell me where the car was located.  Imagine requiring a distraught family member or loved one to spend 4 hours traveling to pick up their vehicle, which was not in arrears, and had been wrongfully repossed.  I wonder how many people in distress, over the death of a loved one, are subject to 5/3 Bank's repossession tactic within 30-60 days of a consumer death - despite being involved and aware of the process the entire time.  Zero tolerance, understanding and cooperation.   Threats, rude phone calls, and delaying tactics were what I was met with.  Only when threatened with [redacted] complaints did the bank care to do *anything* to resolve this matter.   5/3 Bank's behavior definately made a sad and stressful situation bubble up to a boiling point.  I spent an entire week of my time trying to resolve this issue - and should be sending 5/3 Bank a bill for my time as well.I am not satisfied at all with 5/3 Bank.  Just because they returned the car, that they wrongfully repossessed, does not account for the abhorable treatment of a customer who has recently passed away.  It was only after considerable time, stress, money and absolute aggravation that this issue was returned to the way it was before 5/3 Bank screwed it up in the first place.And I still don't have payoff information and have no idea what the Estate paid to 5/3 Bank, 12 days *after* 5/3 Bank received its payment in full.
Regards,
[redacted]

I rejected Fifth Third's response due to their refusal to address my concerns. Yes, the accounts were mine. However, for 3 MONTHS I, along with my family, was harassed on THEIR behalf to resolve these balances. I was told that I would be given a subpoena to come to civil court to face charges at my work if I didn't resolve this matter. I filed bankruptcy in February of 2012 and these accounts were included in my filing. This matter is of public record and could have been easily verified preventing ANY of this from happening. I feel these threats were out of line, especially when they come from incompetence on their part. When I filed my original complaint I asked that the case be withdrawn and that I be left alone on this matter. Fifth Third has not agreed to this now nor have they agreed to do this anytime soon. Because of this, I cannot and will not accept their response.

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.  For your reference, details of the offer I reviewed appear below.I did get a call a few days ago from someone at Fifth Third Bank.  I also got a email response from Fifth Third Bank on 10:03 at 12:07pm (eastern Standard time).  This email that I have attached came in at 9:30 pm eastern standard time, so I'm still getting emails.  I did contact Experian to check my credit report and it was good.  I'm not sure if this email slipped through the cracks being that the emails came on the same day.  Please look into this because I'm not sure as to where this email is coming from.

[redacted] Date: October 28, 2016 Regarding [redacted] Mortgage Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com on behalf of [redacted] regarding her...

mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Since you are not a co-signer on [redacted] mortgage loan, we are unable to share any details regarding her mortgage loan with you. Security measures such as these are in place to protect our account holders from potential fraud, and I am sorry for any inconvenience this may cause you. Please be assured we thoroughly researched this matter and sent a detailed response to [redacted]. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.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 find that this resolution is satisfactory to me.  I have received a letter from Fifth Third that my credit for this claim has been approved. Thank you.
Regards,
[redacted]

[redacted] Date: August 9, 2016 Account: [redacted] Regarding Your Business Elite Checking Account Dear [redacted]: We received a copy of the complaint you submitted to 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. To maintain the security of your account, I am sending this letter to the address we currently have on record for you. I noticed that the return address you listed on your complaint is different. I encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updated. To prevent an overdraft situation, you have the ability to review your account at an ATM (Automated Teller Machine), on our website at 53.com, through mobile banking, or by calling our Business Banking Customer Service Department at ###-###-####. Our toll-free Telephone Banking system is available twenty-four (24) hours and Customer Service Representatives can be contacted at the same telephone number. They are available Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m. ET. If a business account becomes overdrawn, we assess a $37.00 overdraft fee for each item that posts while the account is overdrawn. The fee posts the following business day. Per-item overdraft fees are not assessed if your account is overdrawn by $5.00 or less at the end of the business day. The account will not be charged for more than ten (10) items per business day. An overdraft notice that details how your account became overdrawn is sent to the address on file and is also available on 53.com. If there is not enough money in the account at the end of the day to cover all of your activity, then we consider transactions in the following order: ** Start with the balance from the prior business day. ** Add in credits and deposits, made prior to end of day cut-off time, per our Funds Availability Policy. ** Deduct posted time stamped debits, such as debit card transactions and ATM withdrawals, in order from oldest to most recent. ** Deduct posted batch debits, such as checks and electronic bill payments, in order from largest amount to smallest amount. ** Deduct fees and service charges. Information regarding how we process credits and debits is available in our Rules and Regulations booklet and our policy is to provide all new account holders with a copy of this handbook at account opening. I have enclosed a copy for your reference. Pages six (6), eleven (11) and twelve (12) give additional detailed information about the order in which we process credits and debits to your account. As the account holder, you are in the best position to know what checks are outstanding on the account. Checks and Automatic Clearing House (ACH) debits will not show as pending against your account during the day because these transactions are posted during our overnight processing. You recently set up Low Balance Alerts through your online banking access. Please be aware that if the account falls below the specified balance amount during overnight processing, you will receive the alert the next day. In response to your concerns, please note that applications for credit are subject to our standard credit review and approval process. Please note that funds on deposit are not typically considered during the loan application process unless the funds are being used to secure the loan. For more information about the lending solutions available for small businesses, please visit our website, 53.com; call ###-###-#### to speak with a sales advisor; or visit your local Financial Center. Since February 1, 2016, this checking account has been overdrawn fourteen (14) times. Please be assured that it is not our intention to cause you any hardship and I apologize for any inconvenience you may have experienced. In appreciation of your banking relationship with us, we have credited your account for $74.00 in overdraft fees. I appreciate this opportunity to address your concerns. Please know that our executive management regularly reviews customer feedback as part of our commitment to improving our operations. 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 Enclosure: Rules and Regulations booklet

[redacted]Date: November 6, 2015 Account:          [redacted]Regarding Your Business Rewards Credit CardDear [redacted]: We received a copy of your additional complaint filed with the Revdex.com, regarding your Business Rewards Credit Card. We appreciate the time you have taken to document your thoughts and concerns regarding this matter.On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the response conveyed to you in our previous letter sent to the above address on October 28, 2015. Our position on this matter has not changed. As we previously indicated, our records show that we are sending the account statements on a monthly basis to the address listed above, and nothing has been returned to the Bank as undeliverable. If you wish to update the mailing address listed above, please contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET.It should be noted, you have several options available if you wish to review your account balance, including via the ATM (Automated Teller Machine), on the Internet at 53.com, and by calling our automated customer service line at ###-###-####.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,  April Q.Office of the PresidentPc: 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.   
53 Bank are a bunch of crooks, had me pay the application fee after reviewing all of my documents and someone should have seen what they call is false information!  I cannot wait for the day I am able to refinance my mortgage with another lender and not paying these crooks a single penny ever again! With that being said it took me countless emails and phone calls and a complaint to the Revdex.com in order to receive and answer from 53 Bank! Frank told me inconsistent variables was the reason of denial then he told me it was due to my income and now I am being told because of my taxes, bunch of crooks! Just like the $18 million settlement 53 Bank had last year regarding discrimination I will not be surprised if it was to happen again due to discrimination against blacks and Hispanics charging them higher interest rates on auto loans! Not only that but the other settlement of $85 million dollars regarding claims under the False Claims Act (FCA) also known as the [redacted] Law relating to loans insured by FHA which also was last year. Stealing a customers hard earned money that can be used to provide for his family is not only wrong but unethical, I understand the bank has to make up the nearly $103 million dollars it had to pay last year in settlement.
Regards,
[redacted] P.S. I just responded to their response but I need to add additional information to my response, they have failed to attached the so called, Prepayment of Settle Costs Policy document with my signature on it.

[redacted] Date: September 29, 2016 Account: [redacted] Regarding Your Cash Rewards MasterCard Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

Cash Rewards MasterCard 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. Enclosed is a copy of the promotional credit card offer that we mailed to you in June 2016. Included with the offer is a disclosure page with a section for fees that states there is a $5.00 or 4% fee for each balance transfer, whichever is greater. The offer directs you to review the disclosures for fee information. I confirmed that you submitted your application for the credit card online, and you submitted your request for the $5,500.00 balance transfer to [redacted] online at the time of your application. Please note that before the application can be submitted online, customers must check mark a box that states they have read and agree to the terms and conditions for the account. A link to the terms and conditions is presented as well to ensure customers have access to review all the terms, including associated fees. The application and any requested balance transfers are not submitted to the Bank until the applicant selects the box that states they read and agree to the terms and conditions and then clicks the “submit” button. I have enclosed a printed copy of the terms and conditions for the Cash Rewards MasterCard, which discloses the balance transfer fee. Please note that the terms and conditions were updated on September 1, 2016. Also enclosed is a copy of the previous terms and conditions for the account that were issued on December 29, 2015, which was made available to you to view online at the time of your application. The balance transfer fee information has not changed. I am sorry for the dissatisfaction and frustration you have experienced regarding the balance transfer fee totaling $220.00. As advised above, the fee was disclosed in the promotional material you received in the mail as well as in the Terms and Conditions you selected online that you read and agreed to. For this reason, we are unwilling to waive the balance transfer fee. I apologize for any distress this may cause you. I was able to review your phone calls to our Customer Service Department regarding the fee. I verified that multiple employees told you the only way to submit a balance transfer is by talking to someone over the phone who is required to disclose the fee. The information you received is not correct. Customers are able to submit balance transfers online at the time of the application, which is how yours was completed. Customers can also complete balance transfers by mail if we sent them a balance transfer offer for a new or existing account. Customers do also have the option to call the Bank to process a balance transfer, at which time the balance transfer information is provided verbally. A Bank employee is not required to call you and disclose the fee when it is completed via mail or online. You did not call the bank to process your balance transfer; therefore, you would have needed to review the disclosure you received by mail or the terms and conditions presented to you online. Please be assured that I have contacted the relevant Bank personnel regarding the incorrect information you received. We received your $247.00 credit card payment on September 26, 2016. As of September 26, 2016, your credit card account is current and no additional payment is due for the September 28, 2016, due date. Please see page two (2), section eight (8) of the September 2016 terms and conditions to verify how your minimum payment due is calculated. 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: Promotional Credit Card Offer, Terms and Conditions (2)

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 attached a document showing the technical error that happen when attempted to assign payments from account ending in [redacted].Instead the bill account paid $670 and $150 from account ending in [redacted].Due to the technical error of the system not saving the appropriate account to pay the billsI am asking for $111 which is 50% of the $222 of the overdraft charges to resolve the matter.
Regards,
[redacted]

[redacted] Date: March 8, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your mortgage loan....

We appreciate the time you have taken to document your thoughts and concerns. We completed a review of the payment history to the mortgage loan account ending in [redacted]. It should be noted that full or total monthly payment amounts are required before we can post a payment to your mortgage. A full monthly mortgage payment includes your total principal and interest payment due, plus your monthly tax and insurance obligations. If we do not receive the total mortgage payment that is due, any funds or partial payments that we receive may post to the account in an unapplied state. Any unapplied funds may be reapplied or returned to you at a later time depending on the degree of delinquency on the mortgage account. As explained on page four (4) of the enclosed Deed of Trust, the lender may return any partial payment if the payment is insufficient to bring the loan current. Our review of the payments made to the account included the following: ? On November 17, 2015, we received a payment in the amount of $1,600.00. Because these funds were less than the full payment amount due, they were posted to the loan as an unapplied credit. On November 25, 2015, these funds were returned to you via check. Then, on December 7, 2015, we received your request to stop the check and reapply the funds to the loan; however, on December 9, 2015, due to there being no additional unapplied funds on the account, this request was denied. ? On November 25, 2015, we received a payment in the amount of $1,500.00. Because these funds were less than the full payment amount due, they were posted to the loan as an unapplied credit. ? On December 7, 2015, we received a payment in the amount of $1,500.00. Because these funds were less than the full payment amount due, they were posted to the loan as an unapplied credit. On December 8, 2015, the unapplied credits totaling $3,000.00 were applied to the mortgage loan to satisfy the mortgage payment due for November 1, 2015, in the amount of $3,017.30. However, the monthly escrow payment was short by $17.30. ? On December 15, 2015, we received a payment in the amount of $1,600.00. Because these funds were less than the full payment amount due, they were posted to the loan as an unapplied credit. On December 24, 2015, these funds were returned to you via check. We approved your request to stop the check on January 8, 2016, and the funds were reapplied to the loan as an unapplied credit. ? On January 8, 2016, we received a payment in the amount of $1,500.00. Because these funds were less than the full payment amount due, they were posted to the loan as an unapplied credit. On January 8, 2016, the unapplied credits totaling $3,100.00 were applied to the mortgage loan to satisfy the mortgage payment due for December 1, 2015, in the amount of $3,017.30. The remaining $82.70 was applied to the late charges due for the account. ? On January 8, 2016, we received a payment in the amount of $1,600.00. Because these funds were less than the full payment amount due, they were posted to the loan as an unapplied credit. On January 29, 2016, these funds were returned to you via check. We approved your request to stop the check on February 10, 2016, and the funds were reapplied to the loan as an unapplied credit. ? On February 5, 2016, we received a payment in the amount of $1,500.00. Because these funds were less than the full payment amount due, they were posted to the loan as an unapplied credit. ? On February 8, 2016, we received a payment in the amount of $1,600.00. Because these funds were less than the full payment amount due, they were posted to the loan as an unapplied credit. On February 9, 2016, the unapplied credits totaling $3,100.00 were applied to the mortgage loan to satisfy the mortgage payment due for January 1, 2016, in the amount of $3,017.30. This left a remaining balance of unapplied credits in the amount of $1,682.70. ? On March 1, 2016, we stopped the check that was sent to you on November 25, 2015, in the amount of $1,600.00, and reapplied these funds to the loan as an unapplied credit. The unapplied funds were debited $3,045.55, and these funds were applied to the loan to satisfy the payment due for February 1, 2016, in the amount of $3,017.30. The remaining $28.25 was applied to the unpaid late charges for the account. In our review of the payment history, it was determined that, in the interest of customer service, the payments would be backdated to the dates the Bank was in receipt of the full monthly payment amount due. The payments were adjusted as follows: ? The payment in the amount of $3,100.00 was adjusted to November 25, 2015, to satisfy the payment due for November 1, 2015. The payment was applied to the loan as $955.17 for principal, $1,487.24 for interest, $574.89 for escrow, and $82.70 for outstanding late fees due for the account. Because this full payment was received after the fifteen (15) day grace period had ended, a late charge in the amount of $97.70 was assessed to the account. However, in the interest of customer service, this late charge was waived, and the late fee paid in the amount of $97.70 was reapplied to the principal balance of the loan. ? The payment in the amount of $3,036.00 was adjusted to December 15, 2015, to satisfy the payment due for December 1, 2015. The payment was applied to the loan as $957.95 for principal, $1,484.46 for interest, $574.89 for escrow, and $18.70 for outstanding late fees due for the account. ? The payment in the amount of $3,064.00 was adjusted to January 8, 2015, to satisfy the payment due for January 1, 2016. The payment was applied to the loan as $960.75 for principal, $1,481.66 for interest, $574.89 for escrow, and $46.70 for outstanding late fees due for the account. ? The payment in the amount of $3,026.85 was adjusted to February 5, 2015, to satisfy the payment due for February 1, 2016. The payment was applied to the loan as $963.55 for principal, $1,478.86 for interest, $574.89 for escrow, and $9.55 for outstanding late fees due for the account. ? The remaining $173.15 was applied to the principal balance of the loan. Because these payments were adjusted there will be no delinquent reporting sent to the credit reporting agencies. I apologize for any difficulties you experienced when calling the Bank and attempting to resolve this matter. I have also enclosed a copy of the loan payment history for your records and review. It should also be noted that on March 2, 2016, we received your payment in the amount of $3,022.80, which satisfied the payment due for March 1, 2016, in the amount of $3,022.80. Thank you for your patience while we researched this matter for you. It is a well-known fact that no business can survive without its customers, and I want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com Enclosure: Deed of Trust, Loan Payment History

[redacted] 
[redacted] 
[redacted] Date: December 31, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com concerning the cashier’s...

check associated with your mortgage loan closing. Please be assured that 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 we have researched the matter you have brought to our attention, in which cashier’s check number [redacted] for $2,211.00 was not received by [redacted] Bank. Our research on this matter has found that this check was reported as lost, and a new cashier’s check, number [redacted], was issued as a replacement. According to our records, this cashier’s check was then deposited into your Essential Checking account ending in [redacted]. We deeply regret the inconvenience this caused. Additionally, your comments expressing less than quality service you received during the course of your refinance and during the process of obtaining a replacement cashier’s check 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 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. Ms. Hofmann, 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

They have not contacted me and keep insisting on treating my account as regular checking I had payee account with for over 2 years never got got charged but now I am my own payee I am being charged

[redacted] Date: March 30, 2018 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com regarding your installment loan...

account. 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 you have had with your recent installment loan payments. I have enclosed a copy of your installment loan payment history for your records to assist you in knowing the payments that the Bank does not have record of receiving. It should be noted that we are happy to assist you in locating these payments once we are provided proof of the payments from you either in the form of cancelled checks, or bank statements showing electronic payments. Please either forward this to the representative you were previously working with in our Collections Department, or send it to me directly at: Fifth Third Bank Office of the President Attn: Sarah S.5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 Alternatively, the fax is ###-###-####. Regarding your statements surrounding the amount of telephone calls that have been made to you associated with this loan, 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. Several calls may be placed each day in an effort to obtain a payment or to find out details regarding the matter at hand. Please be advised, these calls are made in an attempt to assist our customer in avoiding possible late fees and negative credit reporting associated with the matter. Our records indicate that no calls have been made to you associated with this loan since March 12, 2018, due to the payment that was received on that date in the amount of $3,500.00. Concerning your statement that the payment in the amount of $3,500.00 was made to the Bank in February, I have reviewed this matter as well. I have confirmed that a $3,500.00 payment was attempted to be made on February 28, 2018, but that the account number that was provided failed verification. Our records indicate this was discussed with you on March 12, 2018 when the second payment of this amount was attempted. I apologize for any misunderstanding that may have occurred. 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 this expectation. 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. [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 Enclosure: Installment Loan Payment History

[redacted] Date: March 29, 2018 Account: [redacted] Regarding Your [redacted] Credit Card Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your [redacted] credit card...

account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties at the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. In an effort to protect our customers from unauthorized access to their account information on our website and by using our mobile app, after four (4) invalid PIN or password attempts, access to the account will be blocked. According to our research into this matter, access to your account information on our website at 53.com, and by using our Mobile App, has been blocked because of an incorrect PIN being entered on numerous occasions. On December 3, 2017, an incorrect was entered on four (4) occasions. This resulted in a block on the account preventing access to the account information electronically. Since that time, there have been numerous other occasions where incorrect login information has been entered. Due to the number of unsuccessful attempts to access the account electronically, you will need to visit a Fifth Third banking center with a valid form of identification to have electronic access to your account information restored. This is only to ensure that your account information is protected from unauthorized access. We regret if this causes you any inconvenience or frustration, as that is certainly not our intention. Although you have not been able to access your account information electronically, there are several other ways to make payments on your account. All of the payment methods are outlined on your monthly account statements. On March 12, 2018, we received your $200.00 payment. The account payments are current at this time. For your review and convenience, copies of your account statements for the period from November 21, 2017, to March 5, 218, are enclosed. The enclosed statements are all of the account statements that have been sent since the account was opened on November 21, 2017. According to your account statement for the period from January 6, 2018, to February 5, 2018, a minimum payment of $35.00 was due on March 2, 2018. Since we did not receive the minimum payment amount due, a $25.00 late payment was assessed and posted to the account on March 5, 2018. In the interest of customer service, the $25.00 late fee was reversed on March 28, 2018. On March 10, 2018, we received your payment of $200.00, which served to bring the account payments current. Although there was a late payment on the account, since the payment was not late by thirty (30) days or more, it did not result in any negative credit reporting of the account. If you would like to contact the credit bureaus directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### 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

Please see the attached response and enclosures. Copies of the customer's bank statements will also be included in the response. Thank You.[redacted] [redacted] [redacted] Date: January 3, 2017 Account: [redacted] Regarding Your Fifth Third...

Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your checking account. We appreciate the time you have taken to document your concerns. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to assist you. The Fifth Third Essential Checking account has an $11.00 monthly service charge. The $11.00 monthly service charge is reduced to $8.00 per month with monthly direct deposits totaling $500.00 or more. The charge can be avoided entirely if: * You maintain a total combined monthly average balance of $1,500.00 across your checking and savings accounts; * Or, you spend at least $500 per month on a Fifth Third credit card; * Or, you have any existing Fifth Third personal mortgage, auto loan, or line of credit with an outstanding balance; * Or, you are a current or former U.S. military member with monthly direct deposits totaling $500.00 or more; * Or, you participate in your employer’s Fifth Third banking benefits program with monthly direct deposits totaling $500.00 or more; * Or, you are a student with a valid student ID; * Or, you have a Business Premium or Business Elite Checking account and have completed a relationship consent form. This information is available on our website, 53.com, and in the printed product brochures. I have enclosed a copy of the Fifth Third Essential Checking brochure for your reference. Your checking account ending in [redacted] was opened on September 30, 2016. There was no monthly service charge assessed on your statement dated October 17, 2016, because your other checking account ending in [redacted] was still open, which is noted on your statement. There was an $8.00 monthly service charge assessed on the November and December statements because the criteria needed to earn out of the fee (which are listed on your statements) was not met. I have enclosed copies of your statements for your reference. Your previous checking account ending in [redacted] was also an Essential Checking Account; however, it was not assessed a monthly service charge because [redacted] was listed as the custodian for you. No monthly service charge is assessed when the owners of the account are a custodian and a beneficiary. The monthly service charge portion of your statements captures this account status with the words: “Special Program.” While the checking account ending in [redacted] was still open, its “Special Program” status prevented the monthly service charge from being assessed on the new account also. Because it was closed at a zero (0) balance on November 7, 2016, the new account is now reviewed by itself. It is not our intention to cause you any hardship. November’s $8.00 monthly service charge was waived on November 19, 2016. In appreciation of your banking relationship with us, I waived December’s $8.00 monthly service charge from your December statement. I hope this provides a positive resolution to your concerns. To avoid future monthly service charges, you may wish to open a Fifth Third Express Banking account. This account has no monthly service charge, balance requirements, or overdraft fees. Your existing account type (Essential) cannot be changed to the Express Banking account type. A new account with a new account number is required. I have enclosed a product brochure for your convenience. You can open an account online at 53.com or at a Financial Center. I noticed that you also use our Access 360° Reloadable Prepaid Card. You could choose to have your direct deposit go directly to the card, which would allow you to close the checking account and avoid its monthly service fee. You can get more information on this at a local Financial Center, or by calling the dedicated Customer Service Department for the Access 360° Reloadable Prepaid Card toll-free at ###-###-####. They are open 24-hours a day, seven (7) days a week. I apologize for any inconvenience this matter caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com Enclosure: Product brochures; Statements Attachments:

Below is our response to the customer. In addition to the response attached above and the credit card agreement attached above, eight (8) statements from credit card statement ending August 12, 2015 through credit card statement ending March 12, 2016 being sent to the customer in the...

mail. [redacted]       Date: March 25, 2016       Account:      [redacted]Regarding Your Fifth Third Platinum [redacted]Dear [redacted]:We received a copy of the complaint you filed with the Revdex.com regarding your credit card account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that our senior and executive management teams review customer concerns as part of our ongoing commitment to improving our customers’ satisfaction.On January 6, 2005, the Bank received and approved your application for a Fifth Third Platinum [redacted]. Upon approval of your credit card account, your card and credit card agreement were mailed to you. For your review and convenience, a copy of the most recent version of the credit card agreement currently in effect for your account is enclosed.On August 12, 2015, the Bank sent your credit card statement indicating a minimum payment of $375.00 due by September 9, 2015. I have enclosed a copy of this statement for your records. The Bank did not receive a payment by September 9, 2015. Therefore, on September 10, 2015, a late charge of $25.00 posted to your credit card statement. The next credit card statement was generated on September 11, 2015, indicating a minimum payment of $1,035.16 due by October 9, 2015. Included in this payment is a past due amount of $375.00. I have enclosed a copy of this statement for your records. On October 9, 2015, the Bank received and posted your credit card payment for $400.00. However, this payment was not enough to satisfy your minimum payment due; therefore, on October 12, 2015, a late charge of $35.00 posted to your credit card statement. The next statement was generated that same day, indicating a minimum payment of $981.90 due by November 9, 2015. Included in this payment is a past due amount of $376.00.  I have enclosed a copy of this statement for your records.On November 9, 2015, the Bank received and posted your credit card payment for $400.00. However, this payment was not enough to satisfy your minimum payment due; therefore, on November 10, 2015, a $35.00 late charge posted to your credit card statement. On November 12, 2015, your next credit card statement was mailed to you, indicating a minimum payment of $1,130.19 due by December 9, 2015. The Bank did not receive a payment by December 9, 2015.  Because you had missed two or more consecutive minimum payments, on December 22, 2015 the Bank revoked the ability to make debit transactions. Please note because your account has been revoked, you are not able to make payments online. We did verify that you contacted our Hardship Department on December 19, 2015 to set up a repayment plan. You were advised to make payments of $163.00 per month for twelve months. Our agent was able to schedule four monthly payments for you at that time through starting on January 8, 2016 and ending April 8, 2016. However, you will need to contact the Collection Department to set up future payments. The Collection Department phone number is ###-###-####. A customer service representative is available Monday through Friday, 8 a.m. to 9 p.m.; Saturday and Sunday, 8 a.m. to 5 p.m., ET.Enclosed are your statements for December 2015, January February and March 2016. Please note on the enclosed statements, the mailing address for your credit card account is the same address on your Revdex.com complaint. We sincerely apologize if you have not received your credit card statements.We have completed our review of the payment history reporting on your credit report for your Fifth Third Platinum [redacted]. Our review determined that the information provide to the credit reporting agencies is accurate. If you would like to contact the credit reporting agencies directly, their contact information can be found below:• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####We strive to provide professional and accurate service to our customers, and apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ETSincerely,  Patrick S.Office of the PresidentPC: Revdex.com

[redacted] [redacted] [redacted] Date: February 27, 2018 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your installment loan....

We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the level of service you received from our Customer Service Department when you requested a payoff for your loan ending in [redacted]. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your letter, I forwarded your concerns to the relevant parties in our Customer Service Department who thoroughly researched this matter. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. However, I cannot inform you of any specific internal actions that may be taken. We have completed a review of your account ending in [redacted]. Our records indicate that the vehicle associated with the loan was repossessed on February 1, 2018. On February 2, 2018, we received a payoff in the amount of $1,753.61, which paid the loan in full. Although it can take up to two (2) business days for the release of a repossessed vehicle to be processed, I have confirmed that your vehicle was successfully redeemed on February 2, 2018. Please be assured that this wait time is not meant to cause any frustration but rather to ensure that the proper documentation has been filed and received before the vehicle is released. 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, Jennifer M.Office of the President Pc: Revdex.com

Revdex.com:
My attorney and 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 owner of my local [redacted] Insurance branch personally wrote the bank a letter yesterday July 21,2016 and faxed it immediately which directly showed I did indeed have full comprehensive and collision insurance from March-May2016. I sent a full payment to Fifth Third Bank yesterday despite the fact that my insurance agent sent this letter. My grandmother (co-owner) was told they could still repossess my car despite the fact I had paid cash through same day delivery [redacted], because, it takes them up to 3 days to do their job and clear it from the system and if the car was picked up in that time I would have to pay an addition $400-$700 in tow fees to get my car back even though it was their end not working fast enough. They will be given one last opportunity to correct the mistake and apply the money recieved from me($1,500) which included 4 payments at the bank's inflated rate for insurance through [redacted] yesterday to my future loan payments and all payments returned to the original contract price at the purchase date.
Regards,
[redacted]

I received notification from 53 representative on 8/18 that 53 pays the larger amount first instead of paying the smaller first. The phone call was recorded. The representative admitted that is the process.  Additionally, 53 bank was involved in a class action law suit regarding this practice. I received a letter indicating  regarding this class action outcome  The $259.00 overdraft reversal was due to identity fraud case in [redacted] in November that 53 caught the transaction.  It concerns me that Elizabeth is making the case that 53 generously reimbursed $259.00 in overdraft fees this year for me and did not mention the identity fraud issue. Please reverse tge overdraft fees. I have been a long term with this bank. I am really considering other banking options. I am extremely disappointed about this situation....