PROCORPSA

We received a copy of your complaint submitted to the Revdex.com concerning the closure of your Established Checking accountWe 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 your unsatisfactory experience concerning the handling of your accountIt was certainly not our intention to cause you any difficulties or frustrationFifth Third strives to meet your financial needs while balancing a commitment to responsible Banking practicesIn support of this commitment, we may review your accounts and how they are used throughout the year. In your case, we determined that it was necessary to close your checking and savings accounts due to recent account activityPage 4, section 7, of our Rules & Regulations handbook that was previously provided to you contains additional information regarding the closing of accountsI have included a copy of our Rules and Regulations for your records. While researching your issue, we have confirmed this decision was based on reasons provided by our Fraud Detection DepartmentYour account has had an excessive overdraft history, with nineteen (19) overdraft occurrences within the past twelve (12) monthsAdditionally, the check which was returned for Insufficient Funds was written off of an account you are the owner of, which our Fraud Detection team has deemed to be suspicious activityDue to these reasons, your checking and savings accounts were closed on May 20, Although your checking account was closed with a balance that was negative twenty-six dollars and seventy-one cents ($26.71), our records indicate you paid that debt in full on May 28, 2015. Mr***, please be assured that we have fully researched your concerns and we believe that your issues were handled both appropriately and professionally in accordance with our Fifth Third Bank, Member FDICEqual Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Bank’s policies and proceduresIf I could be of further assistance to you, please contact me directly at *** *** or toll free at *** ***, Monday through Friday, a.mto 6 p.m., ET

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint
I wish for my credit report to be reflective of my initial inquiry for a mortgage loan as it has dropped points to them pulling my report multiple timesAnd I wish to have reimbursement of application and appraisal fees and any other fees associated with the mortgage loan application processAnd if I have to start a new loan application with another lender I wish to have some of those fees paid for and/or funds given to expedite the process to close in a timely manner based on my original applications
Regards,
*** ***

*** *** ** *** *** *** ** *** Date: February 11, 2016 Account: *** Regarding Your Mortgage Loan Dear *** ***: We received a copy of the complaint you filed with the Revdex.com in addition to the letters sent to the
Bank concerning your mortgage loanWe appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your mortgage loanIt was certainly not our intention to cause you any hardshipWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsI 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. We completed a review of the mortgage loan account ending in ***I have enclosed a copy of the Note, which explains that your monthly payment is due on the first day of each month and is considered past due if we do not receive your total monthly payment by that dateIf we do not receive your total monthly payment within fifteen (15) days of the due date, you will pay a late payment fee of 2% of the part of the payment that is overdueOur review of the payment history to the account included the following: Negative Date Payment Due Date Late Charge (If Credit Received Amount Satisfied Applicable) Reporting (If Applicable) 1/31/$ 2,1/1/$ 37.05 2/28/$ 2,2/1/$ 37.05 3/28/$ 2,3/1/$ 37.05 4/30/$ 2,4/1/$ 37.05 5/30/$ 2,5/1/$ 37.05 6/30/$ 2,6/1/$ 37.05 8/1/$ 2,7/1/$ Days Late 8/29/$ 2,8/1/$ 37.05 10/1/$ 2,9/1/$ Days Late 10/31/$ 2,10/1/$ 37.05 12/1/$ 2,11/1/$ 37.05 12/30/$ 2,12/1/$ 37.05 2/5/$ 2,1/1/$ Days Late 3/2/$ 2,2/1/$ 37.05 3/31/$ 2,3/1/$ 37.05 5/1/$ 2,4/1/$ Days Late 6/1/$ 2,5/1/$ 37.05 6/30/$ 3,6/1/$ 37.06 reversed on 7/15/$ 3,7/21/15 7/28/$ 3,7/1/$ 37.05 8/28/$ 3,8/1/$ 37.05 9/28/$ 3,9/1/$ 37.05 10/30/$ 3,10/1/$ 37.05 returned on 11/30/$ 2,12/16/15 12/23/$ 3,11/1/$ Days Late 1/11/$ 3,12/1/$ Days Late 1/22/$ 3,1/1/$ 37.05 It should be mentioned that mortgage payments received on a Monday are automatically backdated by our system to the prior Friday to allow for the instance that the grace period may have ended over the weekendBecause of this the following payments were adjusted: ? Your payment received on June 30, 2014, was backdated to May 27, 2014. ? Your payment received on December 1, 2014, was backdated to November 26, 2014. ? Your payment received on March 2, 2015, was backdated to February 27, 2015. ? Your payment received on June 1, 2015, was backdated to May 29, 2015. ? Your payment received on January 11, 2016, was backdated to January 8, 2016. I have enclosed a copy of the entire loan payment history for your records and review. You also mentioned a concern for the payment that was not applied to your mortgage loanAs detailed in the Mortgage, on page four (4), full or total monthly payment amounts are required before we can post a payment to your mortgageA full monthly mortgage payment includes your total principal and interest payment due, plus your monthly tax and insurance obligationsIf 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 stateAny unapplied funds may be reapplied or returned to you at a later time depending on the degree of delinquency on the mortgage accountOn November 30, 2015, we received your payment in the amount of $2,000.00, because this payment did not satisfy the payment due for November 1, 2015, in the amount of $3,263.26, it was placed on the mortgage loan in an unapplied stateOn December 1, 2015, we sent the enclosed letter to you requesting instructions for this paymentBecause we did not receive instructions or a full payment amount, we returned the funds to you on December 16, 2015, via check ***. We also reviewed the United States Postal Service Receipts that you sent to the BankThe receipts you have provided list expected delivery dates, which are not guaranteedFor the purposes of changing the date a payment was received by the Bank, we would request proof of delivery with a signature guarantee. Our review of the payment history to your account has determined there is no Bank error in applying the payments to the mortgage loan, nor is there any error in the credit reportingIn addition, our review has determined there was no error in assessing the late payment charges to the accountBecause there was no Bank error, we are unable to accommodate your request to waive the late payment charges and correct the negative credit bureau reportingWe regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting. We also completed a review of the escrow account, which is analyzed each year in the month of ***, to make sure the escrow portion of your monthly mortgage payment covers your property taxes and insuranceAs of January 26, 2016, the balance of the escrow account is $2,In addition, there is a total shortage in the escrow account in the amount of $If you wish to request the balance and/or status of your escrow account, you may do so by calling our Customer Service Department at ###-###-####, Monday through Friday, a.mto p.m., ETPer your request, I have enclosed copies of the Annual Escrow Account Disclosure Statements that were sent to you on *** 25, 2014, and *** 24, 2015. On January 26, 2016, the Escrow Department updated the escrow portion of the monthly payment to reflect the lower insurance premiumBecause of this, effective February 1, 2016, the new mortgage payment is $3,In addition, we verified the tax information listed in our system is correctFor your information, our system currently reflects the following projected escrow payments: ? One (1) annual payment to *** *** *** in the amount of $1,553.12. ? Two (2) semi-annual payments to *** *** Town in the amount of $1,each. ? Two (2) semi-annual payments to *** *** *** in the amount of $4,each. Our review of the escrow account included the payment made to *** *** on August 3, 2015, in the amount of $2,097.00, which was returned to the account on August 27, Because of this, on September 18, 2015, our review of the request for the escrow account to be reanalyzed, determined a reanalysis was not requiredOur review determined there was no Bank error in managing the escrow account; therefore, we are unable to meet your requests to remove the negative credit bureau reporting, late payment charges or refund the overpaymentAs we previously mentioned, as of January 26, 2016, the escrow account has a total shortage in the amount of $810.19. As referenced in the Frequently Asked Questions of the Annual Escrow Account Disclosure Statement, if you wish to close your escrow account, you may submit a request in writingUpon reviewing these requests there are various requirements that must be met in order to close your escrow accountAlso, please refer to page five (5), section three (3) of the enclosed Mortgage, which explains that you will pay the lender the escrow items unless the lender waives your obligation to pay the escrow fundsWe completed our review of your request to remove the escrow account, and on January 25, 2016, this request was denied due to the delinquent payments during the past twelve (12) monthsI have enclosed the letter that was sent to you. On January 22, 2016, we received your payment in the amount of $3,305.00, which satisfied the payment due for January 1, 2016, in the amount of $3,The remaining $was applied to the late charges due for the accountAs of February 4, 2016, your next payment is due for February 1, 2016, in the amount of $3,Please be advised that the Bank does not offer a coupon book for mortgage loans; however, each month, a statement is mailed to the address on file with the BankI have enclosed your most recent statement for your convenienceThe bottom of page one (1) may be remitted with your payment. Thank you for your patience while we researched this matter for youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, *** Q. Office of the President Pc: Revdex.com Enclosures: Note, Mortgage, Annual Escrow Account Disclosure Statements, Partial Payment Notice, Escrow Letter, New Payment Notification, Recent Statement, Loan Payment History

*** ** *** **. *** *** ** ** *** ** *** Date: September 13, 2017 Account: *** Account: *** Regarding Your Debit Card Purchase Dear *** ** *** **.: We received a copy of the follow up letter you sent to the Revdex.com concerning your debit card purchaseWe appreciate the additional time you have taken to document your thought and concerns regarding this matter. On May 30, 2017, your $debit card purchase posted to your Express Banking account. When you previously contacted the Bank regarding this matter, our Disputes Resolution Department (DRD) opened case number *** to dispute the charge with the merchant. On June 9, 2017, the DRD sent a letter explaining that the transaction dispute requires additional research and may take up to thirty-one (31) calendar days to resolveThe case was finalized on August 16, At that time, the DRD sent a letter explaining that the Bank is unable to assist with the transaction and recommended that you work directly with the merchant to resolve the claimCopies of the letters from the DRD are enclosed for your review and convenience. According to our research into this matter, the merchant is willing to work with you to resolve this matterSpecifically, the merchant offered you a gift card as a resolutionIt is also important to note that, since the purchase is not fraudulent, the Bank has no rights to dispute the charge. In my previous response to you, a copy of which is enclosed, I referenced the Fifth Third Bank Card Agreement; however, the Fifth Third Bank Card Agreement only pertains to Fifth Third Bank credit cards; it does not pertain to Fifth Third Bank Debit CardsTherefore, a copy of the Fifth Third Bank Debit Card Disclosure and Card Agreement is enclosed for your review and convenienceI have also enclosed a copy of the *** Guide to Benefits for Debit CardholdersOn September 11, 2017, I called *** and confirmed that the Satisfaction Guarantee offered by *** does not guarantee a customer’s satisfaction with food purchased from a restaurant. Since the merchant is willing to work with you to resolve the matter, and since the purchase in question is not fraudulent, your only recourse is to work directly with the merchant‘Zero Liability’ means that a cardholder is protected from unauthorized purchasesAdditionally, regarding Zero Liability, our website also explains that you must notify us immediately and assist us in our investigation if your Card is lost or stolen or you believe someone is using your Card without your permissionIn this instance, the card was not used without your permission. In your specific situation, it is not that your purchase was unauthorized or fraudulent, but that you were dissatisfied with your foodYou agreed to purchase the food but were dissatisfied with the food that you purchasedAn unauthorized or fraudulent transaction is a transaction for which your card has been stolen and used without your permissionSince the transaction in question was not fraudulent, the Bank has no rights to dispute the charge. Although the Bank is empathizes with you regarding the issue you experienced, you will need to work directly with the merchant for a refund of the purchase in questionThe Bank will not issue you a refund for your purchaseIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosures: Previous Response Letter Dated September 6, 2017 Letter Dated June 9, 2017 Letter Dated August 16, 2017 Fifth Third Bank Card Agreement Fifth Third Bank Debit Card Disclosure and Card Agreement *** Guide to Benefits for Debit Cardholders

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is unsatisfactory to me but I will accepted I do not have the time to be wasting on this matterThe banker never told me that I she was opening accounts for me only the one that I was requestingFurthermore if you look at thing no one has the time to read thru the paperwork especially when the bankers are in a hurry and just go over the papers with youNever was I told have a moment to go over the informationI really hope I was not charge for the closure of the accounts that your banker had openI really hope that I wouldn't have any more problems or I will be force to take my business else where.Please keep in mind that opening a new account with another bank is a waist of time that I am not looking forward to doing but if necessary I would be force to doI appreciate the time that was given to resolve the issue thank you.
Regards,
*** ***

Revdex.com:I put my concerns in writing after I have been subjected to such a frustrating series of calls with no resultOn March I have spoken with supervisor of Armstrong cable company and I express my dissatisfaction with customer service and my final billing statementI accept a refund and I believe this will never happen to other customer
Regards,
*** ***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint Regards,*** ***
The practice of overdafting someone but not letting it be visible in the system until the next day is deceivingHow do I know that I have overdraft my account when 53rd's banking system shows my account was in the positive the whole day and on into the next early morning when I made a deposit in the ATM at 12:AM. I have accounts with two other banks and both banks alarts me the day it happens and allows me to make the account positive by the end of the business hours before they charge my a feeThis is not the first time this has happend 53rd, an overdaft fee should not be givien if the account dosen't show the accurate information the day it happens

*** *** *** * *** *** *** ** *** ** *** Date: April 6, 2018 Account: *** Regarding Your Recent Experience Dear *** ***: We received a copy of the additional complaint you filed with the Revdex.com (Revdex.com) regarding the hold that was recently present on your Fifth Third Bank accountsPlease be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the continued time you have taken to communicate your thoughts and concerns regarding this matter. We initially received a copy of this complaint on March 16, via the Revdex.comWe received a duplicate Revdex.com complaint from you on April 3, Although we regret your continued frustration with the hold in question, we stand by the response conveyed to you in the previous letter sent on March 29, I have enclosed a copy of that prior correspondence for your reviewOur position on this matter has not changed. Regarding your statement that funds you are expecting to receive have not been deposited to your account, please know when a deposit is received by the Bank it is processed and posted to the intended account promptlyPlease contact the party that is providing the funds to you to verify they have been sent to your correct account information. *** ***, Fifth Third Bank strives to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Sarah S.Office of the President Pc: Revdex.com Enclosure (1): Previous Response Letter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
*** ***this does not resolve my issueif this money was paid out on the 16th why doesnt it say pendingor why wait until the end of the day before paying out this payments? if I would have knownmy account was going to be over drafted dollars as you stated iwouldnt have made cash withdrawl for Also why return items at each insteadof rejecting one larger payment so I would only be charged 1 fee?? this makes no sense! plus ifi was over drafted like u stated it wasnt 86. I did my calucaltions item peritem and it was some dollars short not some dollars short!this bank waits until the end of day to pay out so they cancharge all of these fees!!! this is not the first time this bank doesthis to me! I will be closing my account very soon and just keepmy chase account! At least chase gives you warning if your account is over drafted to avoid all of these ridicouls fees!! like istated in my complaint I dont mind paying my overdraft if iknow for sure it was something that I owe! in this case it is not!

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint I wish for my credit report to be reflective of my initial inquiry for a mortgage loan as it has dropped points due to them pulling my report multiple timesAnd I wish to have reimbursement of application and appraisal fees and any other fees associated with the mortgage loan application processAnd if I have to start a new loan application with another lender I wish to have some of those fees paid for and/or funds given to expedite the process to close on the home in a timely manner based on my original application
Regards,
*** ***

*** *** *** *** *** *** *** *** ** *** Date: December 14, 2016 Account: *** Re**rding Your Fifth Third Bank Installment Loan Dear *** ***: Thank you for the letter you sent Greg C., President and Chief Executive Officer, and a copy
of the complaint you recently filed with the Revdex.com concerning your vehicle installment loan. We appreciate the time you have taken to express your concerns re**rding this matter. Enclosed please find copies of your loan payment history and noteIf after you review the enclosed documents you find that the account is incorrect, please forward details re**rding the incorrect information to the following address: Fifth Third Bank Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. After receiving your letter, we contacted the Collection Department who confirmed that you have a cease and desist from collection telephone callsPlease note that this does not stop other collection activity related to delinquency, including late charges, finance charges, or reporting to the credit bureaus. Please refer to page two (2) of your security agreement which provides you with information re**rding late payments to your installment loanSpecifically, item three (3), section (b) defines default as: ** You do not pay any payment on time; ** You give false, incomplete, or misleading information on a credit application ** You st*** a proceeding in bankruptcy or one is started a**inst you or your property; or ** You break any agreements in this contract Furthermore, section (d) of item three (3) states: We may take the vehicle from youIf you default, we may take (repossess) the vehicle from you if we do so peacefully and the law allows itIf your vehicle has an electronic tracking device, you agree that we may use the device to find the vehicleIf we take the vehicle, any accessories, equipment, and replacement parts will stay with the vehicleIf any personal items are in the vehicle, we may store them for you at your expenseIf you do not ask for these items back, we may dispose of them as the law allows. For your convenience and review, we have enclosed a payment breakdown detailing the late payments on your installment loanOur review of the payment history determined that the installment loan was seventy-four (74) days past due at the time of repossessionThe Bank acted within the terms of your security agreement in repossessing the vehicle and is unwilling to reverse the fees associated with the repossession. Per your request, we have contacted the Collection Department and cancelled the three (3) payments you arranged with the Collection Department on November 28, Please use this letter as verification that the payments are cancelled, and your next payment of $is due on December 12, The Bank received your payment of $on December 5, 2016; however, this payment did not satisfy the amount due on December 12, You will need to make a payment of $prior to the end of your grace period December 27, 2016, to satisfy the amount due on December 12, 2016. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused youIf I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Greg C., President and Chief Executive Officer Enclosure: Note Payment History Payment Breakdown

*** *** *** * *** ** *** ** *** Date: July 28, 2016 Account: *** Regarding Your Installment Loan Dear *** ***: We received a copy of the rebuttal you submitted to the Revdex.com regarding your installment loanWe 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 or frustration this matter may have caused youAfter receiving your rebuttal, we conducted a further review of your installment loan ending in ***Our records show that you initially contacted Auto BillPayer on March 10, 2016, and stated that you wanted your automatic withdrawals to begin on April 29, However, Auto BillPayer did not receive your completed authorization form until May 5, 2016, so they would not have been able to withdraw your payment on April 29, At that point, Auto BillPayer would have been able to start withdrawing your payments on May 31, Unfortunately, as we explained in our previous response, the incorrect date was entered into Auto BillPayer’s system, so your payment was not withdrawn on May 31, I am sorry for the misinformation provided in our prior response. It was certainly not our intention to cause you any hardshipOur records show that the payment you set up with our Collection Department in the amount of $1,posted to your installment loan on July 20, This payment satisfied the payment that was due on June 30, Your next Auto BillPayer withdraw in the amount of $1,is scheduled for July 29, Due to the error that occurred with your May payment, we are reimbursing you for the $processing fee that was assessed when you made a payment with our Collection DepartmentA check for that amount is enclosed. Thank you for your patience while we conducted our additional researchIt is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with usIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.mto p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Check

*** ** *** *** *** *** *** *** *** *** ** *** Date: February 23, 2017 Account: *** Regarding Your Checking Account Dear *** ** ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding
your checking accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Thank you for taking the time to speak with me regarding your account and the dispute you filedYou called Fifth Third Bank on February 3, 2017, at 7:p.mto advise that you attempted to make a cash deposit at an Automated Teller Machine (ATM) but the ATM malfunctionedYou were depositing $500.00 cash, but the ATM retained $that was not credited to your accountThe ATM also kept your debit card, but returned $back to youI understand this ATM has malfunctioned for you in the pastI am very sorry for the difficulties you have experienced while attempting to deposit funds at the ATMWe filed a dispute for the missing $deposit on February 3, The case number assigned to your dispute is ***. Disputes of this nature are governed by Federal Regulation EThe regulation dictates the deadlines by which we must complete the dispute and provide provisional credit, if applicablePer Federal Regulation E, the Bank must provide a provisional credit for your missing deposit within ten (10) business days of the date you filed the dispute, if we have not completed our investigation by that timeWe are not required to provide the credit before the ten (10) business day deadlineWhen you spoke to us on February 3, 2017, and February 4, 2017, we advised that the provisional credit for the $would be provided within four (4) to five (5) business days, and that any fees assessed to the account because of the missing funds would be waived if your account became overdrawn. I am very sorry for the distress you experienced regarding the provisional credit timeframeI understand you wanted the credit immediately; however, that was not possible at that time due to system limitations. Additionally, our policy dictated that it would be provided in four (4) to five (5) business days because the account has been open for less than six (6) monthsIt was not our intention to cause you distressI understand that the funds were needed to pay your rent payment that processed on February 3, 2017. Because there were insufficient funds due to the ATM malfunction, the rent payment was returned as unpaid and a $returned item fee was assessed the next business dayI reviewed your phone calls with the Bank’s Customer Service Department, and confirmed that the representatives you spoke to did not advise that your account would not experience adverse effects or that the payment would not be returned or cause an overdraftThey did advise, however, that resulting fees could be waived. Per our conversation, you advised that a banking center manager rushed the provisional creditThe $was credited to the account on February 7, 2017, and the $returned item fee was waived the same dayNo further overdraft fees have been assessed to the account as of February 21, The financial center manager spoke to your property owner directly, and confirmed the property owner would not charge you any fees for the returned rent paymentIf your property owner charges you a fee, please submit proof of the fee assessed so that I can reimburse you for the fee amount paidThe documentation can be mailed to my address listed above, or it can be faxed to my attention at ###-###-####. Please be assured that your concerns regarding your conversations with our customer service employees have been reviewed and forwarded to the relevant Bank personnelWe strive to provide best in class customer service, and I regret that was not your experienceWe appreciate your feedback as it assists us in identifying problems and to continuously improve the level of service we provide to our customers. However, I cannot inform you of specific internal corrective actions that may be taken. You mentioned that you manage another account at the Bank and provisional credit for a dispute on the other account was provided immediatelyPlease be advised that the timeframe can vary depending on the account status, as well as the date and time the dispute is filedThe timeframe for your provisional credit on this checking account is not related to or affected by provisional credit given for someone else’s checking accountThe provisional credit was processed within Federal RegulationsThe timeframe for the provisional credit that was quoted to you was also within Federal Regulations, and was correct per the Banks internal guidelines. I confirmed that your $rent payment successfully processed on February 14, As of February 22, 2017, the dispute claim is still being researchedThe Dispute Department will notify you of the determination in writing when the case is completeIf the dispute is approved, the provisional credit will become a final creditIf the dispute is denied, the provisional credit will be removed from the account. However, you can contact the Dispute Department to submit a rebuttal if the dispute is deniedPlease contact the Dispute Department directly regarding the status of your disputeThey can be reached toll-free at ###-###-####The Dispute Department is available to assist you Monday through Friday from 7 a.mto p.m., ET, and on Saturday from 8:a.mto p.m., ET. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. This is contingent on getting the amount of the ATM deposit "dispute" that they have opened satisfactorily resolved in my favor as soon as possible
Regards,
*** ***

Please see the attached copy of the response we mailed to *** *** todayThe response was sent via UPS overnight mailThe tracking number is ** *** *** ** *** ***.*** ** *** *** *** *** *** *** ** *** Date: October 19, 2016 Regarding *** ** *** Vehicle Loan Dear *** ** ***: We received a copy of the rebuttal complaint you submitted to the Revdex.com regarding *** ** *** vehicle loanWe 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 that our previous response dated October 17, 2016, did not fully address your concernsWe were aware that you were working with Lee F., Bancorp Resolution Manager, regarding this matterUnfortunately, the letter dated October 17, 2016, was inadvertently sent in errorWe sincerely regret that the appropriate response was not sent to you. The payoff amount provided to *** on September 30, 2016, was $3,with interest accruing by $per dayOn that date, we had already agreed to waive the repossession fee and any other related feesHowever, at the time the payoff was provided, the repossession fee was not yet waivedIt was waived that same day, but did not post until overnight processing. Therefore, the repossession fee was included in the payoff amount of $3,This amount is broken down as follows: $3,principal, $interest, $late charges, $490.00 repossession fee, $early termination fee. On October 5, 2016, we received a payment of $3,from ***The payoff amount as of that date was $3,due to accrued interestThis amount is broken down as follows: $3,principal, $interest, $late charges, $early termination fee. Since the payment amount exceeded the payoff as of that date, there was an overpayment of $on the loanI have enclosed a check for that amount made payable to the Estate of *** ** *** for reimbursement of the overpayment. It was certainly not our intention to cause you any hardship or distressPlease be assured that no other fees related to the repossession were assessed to the loanThe loan is now paid in full, and the lien on the vehicle was electronically released on October 13, A letter was mailed to *** that same day notifying them that the lien was released so that they can obtain a lien-free paper title from the *** BMV (Bureau of Motor Vehicles). Thank you so much for your patience while we worked to resolve this matterIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Elizabeth D. Office of the President Enclosure: Reimbursement check

We have not received anything from *** *** or his insurance agentI have requested several times for them to fax the Declaration Page to me directly so I may further research the option of issuing a refund.According to our insurance center, we received a copy of a policy written by *** *** on March 30, However, the effective date for the policy was May 24, In order for us to consider issuing a refund for the policy from March to May 2016, we will need a copy of the Declaration Page with an effective date of March until May 23, 2016.I have requested this information from the customer multiple timesWe cannot proceed with this issue until we receive the requested information.My direct fax number is ###-###-####. Thank you, *** ***| Fifth Third Bank Customer Care Specialist II| Office of the PresidentKingsley Dr, MD 1MOCOP, Cincinnati, OH

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my complaint
Regards,
*** ***

HI Brandy,I am in the process of rate shopping with various lenders and found that the late payments from November, December 2016, January as well as the ones from July - Nov of are all still showing on my credit bureaus I have called all of the bureaus and they do not see any updates I am unable to move forward with refinancing until these have been removed Please advise.Thank you,*** ***

*** ** *** *** *** *** *** *** ** *** *** *** *** *** Account: *** Regarding Your Checking Account Dear *** ** ***: 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 thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your accountIt was certainly not our intention to cause you any hardshipWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As we discussed by telephone, when the check in the amount of $5,was presented for deposit, there were several red flags, such as the spelling error and out of state maker’s addressAs a result, additional questions were asked regarding the origin and purpose of the checkPlease be assured that these questions were not meant to cause you any inconvenience but rather to ensure that a fraudulent check was not deposited into your account. The check in the amount of $5,was deposited on April 2, 2018, however, due to the overdraft history on the account, an extended hold was placed upon itAlthough the overdraft fees assessed were paid, the account has been overdrawn six (6) times in the past six (6) months and therefore is considered to have had repeated overdraftsThe hold is set to expire on April 10, 2018, and the funds will become available on April 11, 2018, as long as the check has not returned. Thank you for your patience while we researched this matter for youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Jennifer M.Office of the President