PROCORPSA

[redacted] [redacted] [redacted] Date: April 13, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding late fees charged to...

your Fifth Third Bank installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On March 29, 2013, you were approved for and agreed to a vehicle loan of $28,962.03 with a fixed rate of three point three four percent (3.34%) for term of seventy two (72) months. Your installment loan is considered past due for payment if we do not receive your total monthly payment by the thirteenth (13th) of each month. The final calendar day of your fifteen (15) day grace period is not considered the due date for your payment obligation. The grace period indicates when a late charge will actually be assessed to your loan for a past due payment. We regret if you were told otherwise. According to the enclosed Security Agreement that you received at closing, it states that if your total monthly payment is more than fifteen (15) days late, you will be charged a fee of ten percent (10%) of the unpaid payment or $20.00, whichever is greater. We reviewed your payment history and confirmed that on six (6) occasions we did not receive your full monthly payment amount due before the end of your grace period. I have enclosed a copy of the payment history for your review. As a result of the six (6) late payments, your loan was charged a total of $267.06 in late fees. You may wish to consider enrollment in a bill payment service called Auto BillPayer. We offer Auto BillPayer to existing Fifth Third Bank loan customers. Auto BillPayer will automatically transfer your monthly payment from a non-Fifth Third Bank checking account to your installment loan at no additional charge. Many of our customers appreciate the convenience of Auto BillPayer, which eliminates the need of check writing. 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, 9AM Eastern Standard Time (EST) to 5PM EST. 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. We appreciate your patience while we reviewed your concerns. You are a valued customer and we hope you will allow Fifth Third Bank to service your financial needs for many years to come. If I could be of further assistance to you, please call me at ###-###-####, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S.Office of the President Pc: Revdex.com Enclosures: Security Agreement, loan history

Hello:As stated yesterday, the Bank submitted a request to remove the credit bureau inquiry; however, based on the information [redacted] provided in a follow up complaint the inquiry was still showing on her credit report. Therefore, we submitted a second request to the credit reporting agencies. We would need a credit report dated after November 15, 2017 showing the inquiry still remains on her credit report in order to submit a 3rd request. We would not submit the request based on a verbal request. In our response dated October 6, 2017, we informed [redacted] that based on our research she had signed a pricing agreement that states "I have read and understand the Prepayment of Settlement Costs Policy which states that if my loan application is not approved, is withdrawn by me, or is approved and does not close, I will not be entitled to a refund of the application fee paid." We provided a copy of this document with our October 6, 2017 response. I have reviewed telephone conversations between Brandy and [redacted] and Brandy did state that she would ask the mortgage department about her request to refund the application fee; however, based on the signed agreement mentioned above, our request to refund the fee was denied. Brandy did not tell [redacted] that the fee would be refunded. It should be noted, that [redacted] has filed 4 applications with the Bank between June 29, 2017 and September 6, 2017. Three (3) of the applications were withdrawn, and the fourth application was denied on September 27, 2017.Thanks for your time.Pat S.

[redacted] Date: September 26, 2017 Account: [redacted] Regarding Your Savings Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your savings account. We...

appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. We are continually working to ensure the funds from your deposits are available in a timely manner. Per Fifth Third Bank’s Funds Availability Policy, on the day of your deposit a combined $100.00 from all deposited checks is available immediately. The remaining funds will be made available on the next business day. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday or a Federal Holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal Holidays. Deposits received after certain cut-off times may be credited as of the next business day. In some instances, we reserve the right to place a hold for a longer period of time on a deposit. The full amount of the deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the seventh (7th) business day after the day of your deposit. Pages nine (9) through twelve (12) of the enclosed Rules and Regulations outline the Bank’s Funds Availability Policy. I confirmed that you made two (2) check deposits totaling $1,167.55 on September 3, 2017, which was a Sunday. A total $100.00 from the combined check deposits was available immediately. You received $160.00 cash back from the deposit, which left $1,007.55 to be credited to the savings account. The withdrawal utilized the $100.00 available from the deposit. Please note that Monday, September 4, 2017, was the Federal Holiday for Labor Day. Per our Funds Availability Policy, the deposit on September 3, 2017, was a deposit for the next business day, Tuesday, September 5, 2017. As a result, the $1,007.55 was unavailable for use until September 6, 2017. The beginning balance in the savings account on September 5, 2017, was $1,145.71. As advised above, you deposited $1,007.55 into the savings account but the $1,007.55 was unavailable for use on September 5, 2017. One (1) transaction totaling $1,513.27 posted to the account that day, which resulted in an ending available balance of negative ($367.56). The transaction, which was your mortgage payment, was paid and a $37.00 overdraft fee was assessed to the savings account on the next business day. Enclosed is a copy of the overdraft notice that was issued. Typically, making your deposit during the weekend for a transaction scheduled to withdraw from the savings account the following Tuesday would be sufficient time for the deposited funds to be fully available. However, due to the Federal Holiday on the Monday following your deposit, the funds from the deposit were not available until Wednesday. Please keep this in mind for future deposits made on a holiday weekend. You are a valued customer, and we appreciate your continued patronage. In the interest of customer service, we waived the $37.00 overdraft fee that was assessed to your savings account for this overdraft occurrence. As of September 25, 2017, the balance in your savings account is $1,629.99. 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 Enclosures: Rules and Regulations, Deposit and Withdrawal Image, Overdraft Notice

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.  My husband had the same card and there was no annual fee, ever. That is why I got one. I have cancelled both cards and will not do business with fifth/third bank.  You tricked me and it is very wrong for a company like yours to operate like this.  Piling on late will not make me pay pleas stop harnessing me. Thanks
Regards,
[redacted]

The final response to the customer is below. The check will be sent with the written response in the mail.[redacted] [redacted] [redacted] Date: October 23, 2017 Account: [redacted] Regarding Your Auto Loan Dear [redacted]: We...

received a copy of the complaint you submitted to the Revdex.com regarding your Fifth Third Bank auto loan. We appreciate the time you have taken do document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your auto loan ending in [redacted]. It was certainly not our intention to cause you any hardship. 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. During our research, we confirmed that when you contacted Auto BillPayer on August 22, 2017, to update your account information for your Auto BillPayer withdrawals, your new account information was not made active. As a result, Auto BillPayer attempted to withdraw your September 2017 payment of $207.94 using your old account information on September 20, 2017, and again on September 22, 2017. As you are aware, both payments were returned unpaid. Due to the error in not activating your new account information, we have enclosed a check in the amount of $100.00 as reimbursement for the overdraft fees you incurred. We also waived the late fee of $10.40 that was assessed to your auto loan as a result of the late payment. Please be assured that your new Auto BillPayer account information was made active on September 25, 2017, and your Auto BillPayer payments will be withdrawn from your new account beginning with your October 2017 payment. Additionally, per your request, we ceased making collection calls as of October 16, 2017. Should your auto loan become delinquent in the future, we will not make any calls to make you aware of the delinquency. However, this will not stop other collection actions, which may include repossession, referring your auto loan to a collection agency, or referring your auto loan to our attorneys to initiate legal action against you. As of October 19, 2017, your auto loan is still due for your September 20, 2017, payment of $207.94. When your payment is withdrawn by Auto BillPayer on October 20, 2017, it will satisfy your September 2017 payment, and your auto loan will still be due for your October 2017 payment. I strongly urge you to make a payment as soon as possible to avoid further late fees and negative credit reporting. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Check

[redacted]...

[redacted]                                   ...⇄ Date:    August 28, 2015Regarding the Account of [redacted]Dear [redacted]:We received a copy of the letter you sent to the Revdex.com, regarding the account of [redacted]. We appreciate the time you have taken to document your thoughts and concerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction.[redacted], please be assured it is our sincere desire to help you; however, Fifth Third Bank takes protecting the financial and personal information of our customers very seriously, and we cannot release information to someone who is not an owner on the account in question. In order for the Bank to give any personal and confidential information to a third party, we would require a legal document such as a Power of Attorney, authorizing another individual to act on behalf of our customer. Please be aware that, in addition to our response to you, we also mailed a response to [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 PresidentPC: Revdex.com

Fifth Third Loan Number: [redacted] Deceased: [redacted]  Address: 5[redacted] I assumed ownership interest of this property in...

August 2010,.... This matter has fininally been resolved and I have now refinanced the remaining balance of this mortgage with my local bank. I just need a copy of the [redacted] for 2011, 12, 13 , 14, 15, 16... I have never missed a paykment; but I have no paperwork to attach to my tax documents to show the interest that I had paid  for this property.

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. [redacted] this complaint was previously filed with your office - THERE HAS BEEN NO RESOLUTION BY FIFTH THRIRD BANK. Who admitted to over charging us on escrow and we have received in writing. Revdex.com closed the previously complaint stating you did not hear back from us - the phone call that came in got cut off and gave us no options to advise that our requests to Fifth Third has gone unresolved. We have proof of our request to Fifth Third to remove the delinquencies off my credit along with sending us a check for the difference from back in July along with interest due to the gross negligence of over charging us on ESCROW I am still pending contact from a Rep for bank by the name of [redacted] Q.. I am owed money and correction to my credit report.  I have been waiting for months now for this situation to be corrected please assist - this bank should not be able to practice banking with the negligent banking practices
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]To; Revdex.com You have ask me if the company addressed the issues? And the answer is No.Then you ask why? And I don't know why they have not contract me.

Hello:  Jerry G. from the [redacted] Financial Center tried to leave a message for the customer on Friday, 01-06-17.  Because the phone number was not receiving calls, he sent an email requesting that [redacted] follow up with him directly to discuss her account options.  He can be reached at ###-###-####, or by email at [redacted].  Thank you.

[redacted] [redacted] [redacted] Date: September 2, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com concerning your checking account...

with Fifth Third Bank. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that we have contacted the relevant parties to fully research your account and passed on your concerns. After we received your complaint, we reviewed the activity on your checking account prior to the date the account was charged off and closed. Our review determined that the payments that posted to your account from [redacted] were ACH (Automatic Clearing House) payments. For an ACH payment to be processed, the related merchant would need to have your checking account number and the bank’s routing number. If you had outstanding ACH payments that you wished to stop from posting to your account, you had the ability to make arrangements with the payees involved or place a stop payment for each item. When requesting a stop payment, we require the exact details of the ACH item including the item date, the payee involved, and the payment amount at least three (3) business days before the payment was scheduled. The fee to place a stop payment is $33.00 per item. In the event that your checking account became overdrawn, the posted items may have been returned unpaid and subject to overdraft fees. The per item overdraft fee was based on the number of occurrences in the previous twelve (12) months. When your account was opened, on February 4, 2010, for the first occurrence, you were charged $25.00 per item. For the second through fourth, the fee was $33.00. The fifth occurrence and higher was $37.00 per item. In addition, an $8.00 daily overdraft fee was assessed when the account remained overdrawn for three (3) days. This fee was charged for every calendar day the account was overdrawn and it continued to be assessed for 20 days. On June 29, 2010, the available balance in your checking account was positive $2.63. A deposit in the amount of $70.00 posted to the account. One (1) ACH payment of $68.29 from Prematic Corp. Ins. Prem. posted to the account and a merchant payment for $55.76 was pending on the account. Due to insufficient funds, the payment from [redacted] was returned and we assessed one (1) overdraft fee of $33.00, which posted the following day. Your account remained overdrawn everyday thereafter. During that time, additional transactions posted to your account which caused additional fees to be assessed. The account was charged off for $236.83 and reported to ChexSystems for collection proceedings on August 31, 2010. I have enclosed the related checking account statements for your review. This charged off checking account was sold to [redacted] on June 10, 2011. For additional information pertaining to your charged off account, we recommend that you contact [redacted] by the following address: [redacted] 
[redacted] [redacted] 
[redacted] Please be aware that [redacted] may have sold the acquired debt to another collection agency. If you’re contacted by any collection agency, you may request validation of the debt in question and contact information in which the agency is calling you from. We strive to provide professional and accurate service to our customers, and we sympathize with any difficulties you encountered regarding your account. If I may 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, Lisa S. Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosure: Checking Account Statements

[redacted] [redacted] [redacted]Date: November 18, 2015 Account:     [redacted]Account:     [redacted]Regarding Your Checking AccountsDear [redacted] [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning...

the overdraft fees assessed to your checking accounts.  We appreciate the time you have taken to document your thoughts and concerns regarding this matter.We strive to provide professional and accurate service to our customers and I am sorry if that has not been your experience.  Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers.  Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns.On October 9, 2015, the balance in your checking account ending in [redacted] was $301.95.  Eleven (11) items totaling $748.12 posted to the account that day, creating an ending balance of negative ($446.17).  Due to non sufficient funds a total of $111.00 in overdraft fees were assessed to the account.  The ending balance was negative ($557.17). On October 6, 2015, the balance in your checking account was $40.55.  Seven (7) items totaling $359.46 posted to the account that day, creating an ending balance of negative ($318.91).  Due to non sufficient funds overdraft fees totaling $74.00 were assessed to the account.  The ending balance was negative ($392.91). The following is the order in which we post transactions to your account at the end of each business day.  Please note that we do not process transactions on Saturday, Sunday or Federal Holidays.  Start with ending Daily Balance from the prior business day. This can be found on Internet banking at www.53.com, by reviewing your periodic statement or by calling ###-###-####.1. Add in Credits (+)• Examples of credits (+) may include:o Posted deposits, including direct deposit of your paychecko Funds available from Pending Deposits (such as ATM deposits and Mobile deposits)o Transfers into the account such as ACH and wire transferso Online/telephone transfers into the accounto Refundso Returned items2. Deduct posted Timestamped Debits (-) oldest to most recent• Examples of Posted Timestamps debits (-) may include:o Posted ATM Withdrawalso Posted Debit Card Purchaseo Posted online/telephone transfers to another Fifth Third Accounto Posted wire transfers3. Deduct posted Batch Debits (-) largest amount to smallest amount• Examples of Deduct posted Batch Edits (-) may include:o Posted Checks writteno Posted online/telephone transfers to a non-Fifth Third accounto Posted Internet Banking bill paymentso Posted outgoing ACH transfers (automatic bill payments)o Posted outgoing wire transfers4. Deduct Fees and Service Charges (-) largest amount to smallest amountPlease note that this posting order may change due to circumstances beyond the Bank’s control, such as changes or disruptions in network processing or processing delays by a third party. This posting order is the same whether you accept or decline Overdraft Coverage for ATM transactions and one-time debit card transactions. The cut-off times for deposits may vary depending on how the deposit to your account is processed. The cut-off times are documented on page 17 of the Rules and Regulations booklet that you should have received upon opening your account.  The Rules and Regulations booklet is also available upon request at any Fifth Third Bank location. I have included a copy of the Rules and Regulations booklet for your review.We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud.  Up to $100.00 of the total of your check deposits for the day, made prior to cutoff times, will be immediately available to you on the day we receive the deposit.  The remaining funds will be available on the first business day after the day we receive the deposit.  Please refer to pages eighteen (18) and nineteen (19) of the Rules and Regulations booklet that is enclosed for additional information regarding deposits  For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions.  This guide provides additional information related to the overdraft fees that we assessed to your personal account.  We also offer ways to track your balance and manage accounts to help avoid overdraft fees on your accounts in the future. We empathize with the difficulties you have experienced with your checking accounts.  Therefore, in the interest of customer service, we have reversed overdraft fees totaling $37.00 on each of your checking accounts.  We are not willing to reverse any additional overdraft fees.I can assure you that it was not our intention to cause you any frustration or an undue hardship.  On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused you.   If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, Carolyn G.Office of the President Pc: Revdex.comEnclosure:  (2)

[redacted] [redacted] [redacted] Date: June 16, 2017 Account: [redacted] Regarding Your Fifth Third Express Banking Account Dear [redacted]: We received a copy of the letter you sent to the Revdex.com concerning your Express Banking...

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 or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. When you initially contacted our Disputes Resolution Department concerning your $120.00 cash deposit at a Fifth Third Bank Automated Teller Machine (ATM) on April 14, 2017, our Disputes Resolution Department researched the transaction and determined that, since there was not an overage in the ATM, your dispute was declined. If there had been a $120.00 cash deposit made by you that was not accounted for, then the ATM in question would have shown an overage of $120..00. However, our Disputes Resolution Department researched the ATM transactions for an ATM that was not the ATM that you used. This is because the only information that you provided regarding the ATM that you used was that the ATM was located on [redacted] Road in [redacted] and there are three (3) Fifth Third Bank ATMs on [redacted] Road in [redacted]. When we spoke on June 5, 2017, I explained that the ATM transactions that were researched by our Disputes Resolution Department concerned an ATM at a [redacted] store located at [redacted] Road, [redacted]. At that time, you explained that the ATM you used was located at a [redacted] store. After finding the correct ATM that you used, at the [redacted] store located at 2161 [redacted] Road, [redacted] 30096, I contacted our Disputes Resolution Department to inform them of the correct ATM that you used and your disputes case was re-opened. Therefore, on June 8, 2017, a provisional credit of $120.00 was credited to your account. Additionally, we have received communication from the Disputes Resolution Department that your dispute has been finalized and approved. The provisional credit you received on June 8, 2017, will not be removed from your account. A copy of the letter that was sent to you on June 15, 2017, from the Disputes Resolution Department is enclosed for your reference. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosure: Dispute Resolution 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.   
It was appreciated and reassuring  when Mrs. S. responded to me with her concerns pertaining my problem.  I explained to her in details, the matter of my issue and she kept me abreast with the pending results. After reviewing her response back from what was reported to the Revdex.com, I do not agree with the time frame of when the alleged supporting documents were requested which was after the provisional credit had be taken back out of my account and no further response was given after the documents were faxed in to the said department. A new provisional credit( with the possibility of still losing my funds) has been issued as the case is still unresolved after the company in questioning ([redacted]) has reported to The Revdex.com that they have NO funds in house for me, as in the debt has been returned in full. I am continuing to request that all of my funds to be rerurned in full. I have provided documents from my dispute with [redacted] as well.
Regards,
[redacted]

Revdex.com: In on of the documents provided by 5th 3rd .the last page account summary #[redacted] clearly shows a yearly total of late charges or insufficient funds totaling 772.oo dollars for that year. There is no clear documents that I see clearly giving a detailed timed and dated along with live daily on going deposits and expences. Weekly balances dont show anything cronologically. Concerning me depositing a check on fridays, making purchases over the weekend ....then being charge insfficient funds. My current bank see's that proper funds are posted in the system PRIOR to a expence....and they wouldnt charge me a dime....because its in there. Again my complant is that for some mysterious reason 5th 3rd chose to deduct funds BEFORE the deposit was entered, although the deposit was in first. Both of wich had to wait until the next 'business day'. This isnt hard to inderstand. Thus my complaint stands. 
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]

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]
Sirs,
RevDex.com.
Dear Sirs,
 
 
My name is
[redacted] and my case ID [redacted]. In response to your last letter I must
say that my wish is to conclude with this case rather than maintain an
indefinite exchange of argumentation.
These are
my points accompanied by some questions. My financial situation does not
allow me to continue making any more payments. I bought this property in
good faith to the point that I  made payments for seven years.
Honestly,
I wouldn't want to repeat the same arguments over and over, but it is
necessary. My opinion is that the appraisal was not correct since the just
market value was not considered. The assessed areas have not the same potential
for prosperity and development and this has been proved for the prices have
gone down drastically rather than gaining value. Moreover, my property has no
public utilities, in harsh contrast with the others that do have.
I
acknowledge that, according to your letter, now is too late to do
something about it, but I did it when I had to.
In
2009  2010 and 2011. I tried to
negotiate with the bank, explained to them that the value of the property had
decreased considerably and attached proof. I wanted the bank to be realistic
and told them that the "real estate bubble" had affected both of us,
but the bank's solution was to extend the debt for some more years.
I would
think that the benefits bestowed by the  government to the
victims of the financial crash were intended to help solve the hardships of the
people, but in my case the bank did nothing.
I must
note that after the Real Estate Bubble arose I continued making my payments on
time for several years until my financial situation and the numbers of my
dependents in my household changed.
I don't
understand why whereas a car, or a house are repossessed by the bank when the
client is default, in my case my debt is allowed to keep on growing for years.
A
financial institution is not to have an unrecoverable debt for ever, and at the
same time the debtor be kept in a black list forever, while the bank
continue charging the client indefinitely in order to make the debt grow bigger
and bigger. All this because of the bank's neglect to use the procedures
established by the government to finish off this case and close it up once
and for all.
My
proposal is that I will pay the taxes I owe up to the date, but I am not
in the position to continue paying any new taxes being  generated
 by this debt. Neither can I promise that I am going to pay any pending
balance. I simply can't afford to.
Sincerely,
 
[redacted].
PS
I am
ataching parts of the comunictions that We had in the years 2009  2010 , 2011 and 2012  please read them.

I have closed my savings account, due to Fifth Third now charging a maintenance fee which is something they have never done before.The bank still has not agreed to send the debit card that was promised by the bank. Do not send that debit card now please.Instead of focusing on resolving the customer matter they are adding more financial burden to their customer.I'm leaving the checking account open so that I can pay my bills. I will save money with another financial institute.
My complaint stands because of the technical issue; the bank should have considered that fact because the money was in the bank accountsto pay for the bills yet the system did not save the assigned accounts to pay with the money that was present. Instead of the bank understanding thatthey financially penalized a customer who was trying to pay their bills. I have shared this with other friends and relatives and it will be discussed with othersI know. I'm sure that is not important to fifth third but people will know. My mother told me to close all my accounts with them. I'm looking forward to saving money in my new banking institute. And I will see how paying bills with fifth third goes before switch my checking account.
[redacted]

[redacted] Date: August 16, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your checking account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Per your correspondence, I understand that you attempted to deposit $445.00 in cash at the Automated Teller Machine (ATM) located at the [redacted] Banking Center on July 25, 2016. However, the funds were not credited to your account. Because the issue occurred after 8 p.m. ET, the banking center was not open. You contacted our Dispute Department on July 26, 2016 at 7:41 a.m., and we processed your dispute claim for the missing deposit. I also confirmed that you called the [redacted] Banking center that day as well. Our records reflect that Financial Center Manager Jacqui P. attempted to contact you per your request that day regarding the missing deposit and your desire for an immediate provisional credit. I am sorry that she was unable to reach you. Please be advised that disputes for consumer checking accounts are governed by Federal Regulation E. Per Federal Regulation E, a provisional credit for a dispute must be provided within ten (10) business days of the date we were notified of the dispute if the investigation has not been completed by the tenth (10th) business day. Please be advised that it is Fifth Third Bank’s policy to provide provisional credits within four (4) to five (5) business days for accounts that have been open for more than six (6) months. At the time you filed your dispute, your checking account had been open for less than one (1) month. I verified that the Dispute Department told you at the time you filed the dispute that the credit would be processed in four (4) to five (5) business days. I am sorry for the incorrect information that you received. Please be assured that I have forwarded this information to the relevant Bank personnel. While researching ATM disputes, the Bank verifies if the funds deposited to the ATM balances out to have more cash or checks in it than it should. Unfortunately, the bin that cash deposits are processed to was not over by any funds, and the money in the ATM matched the funds the ATM said were deposited. For this reason, your dispute was denied. A copy of the denial letter sent to you on July 28, 2016, is attached. I confirmed with the banking center that their ATM was not out of service and continued to process other customer transactions. However, it is possible for an ATM machine to malfunction during a transaction. Due to the difficulties you encountered with the ATM, the banking center sent a technician to service the machine. At that time, the technician located your $445.00 that was stuck in the machine. Because the funds were stuck and did not process to the normal reject bin, the ATM balanced when the funds were previously counted. Because we were able to locate the funds, the banking center credited the $445.00 to your checking account on July 28, 2016, even though the dispute was denied. The ending balance in your checking account on July 28, 2106, was $157.10. I confirmed that there were no overdrafts on your account from July 25, 2016, through July 28, 2016, while the missing deposit was not in your account. I was able to review several of the phone calls you placed to our Customer Service Department. I verified that our agents did not state that you would have to call the banking center to dispute the transaction. The transaction was disputed during your phone call at 7:41 a.m. on July 26, 2016. You called the Customer Service Department later that day stating you called the banking center and that you wanted to talk to the location’s manager. However, you stated that the banking center was not answering the telephone. The customer service agent called the banking center on your behalf and obtained a fax number per your request. The customer service agent also explained that the banking center staff advised they would contact the regional manager regarding your request for an expedited provisional credit. You contacted the Dispute Department again on July 27, 2016, regarding the dispute and advised that the banking center manager said they were going to expedite your provisional credit. The agent you spoke to advised that if the banking center employee provided that information, you would have to speak with him because the Dispute Department would be unable to expedite the credit. [redacted], I am very sorry for the frustration and inconvenience this situation caused you. I understand that you needed the funds from the deposit to pay a ticket so you could continue with your part-time job as an [redacted] driver. It was certainly not our intention to cause you distress. The Bank has policies and procedures in place that are applied to all customers within applicable federal regulation. The credit for your missing deposit was applied within two (2) business days of your notification to the Bank of the missing funds, which was in compliance with federal regulations. For this reason, we are unwilling to provide you with additional compensation. I am sorry that the credit could not be provided sooner. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna T.Office of the President Pc: Revdex.com Enclosure: Dispute Denial Letter

[redacted] Date: September 20, 2016 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com regarding your mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration you may have experienced. However, we stand by our previous responses sent to the above address on August 31, 2016, and September 8, 2016. I have enclosed a copy of our previous written responses for your review. Our position on this matter has not changed. As mentioned in our prior response, an escrow account was established for the mortgage loan ending in [redacted]. The parcel number associated with your mortgage loan is [redacted]. Because the Bank does not have a mortgage loan associated with your property located at [redacted], in [redacted], the Bank is unable to have an escrow account for that property. A mortgage loan for a different property cannot be used as an escrow account to pay taxes and insurance for an unassociated parcel. Escrow payments can only be processed for the collateral property. I hope this correspondence cleared up any outstanding questions you had related to this issue. We truly value your business, and we look forward to continuing our banking relationship with 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, Patrick S.Office of the President PC: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
53 states in their letter that they did receive a payment of $25K+ but yet will count none of this payment towards the monthly payment owed. Yes I did agree to making a monthly payment for $437 and this company received $25K of a payment in the month of Sept. This payment was more than good enough to cover the Sept payment. IF the 25K+ only goes towards principal I'm sure it covered principal plus some non principal balance. How much of this payment went towards non principal? I reversed payment because I was informed to do so by a 53 customer service employee! They told me since 53 now knew that insurance was taking over with [redacted] they would understand and not pressure payments esp since they will be getting a good check from insurance company and knew [redacted] was involved. Then I start to get phone calls stating they were going to report me to the credit bureau for being late. Train your employees on proper business matters. From my personal experience with 53 from this I would never bank with you nor hold a credit anything with this company.  I still cannot believe you get a check for $25K+ and still expect another extra payment this month, greedy. I will be fighting this 30 day late report to my credit bureau, train your employees to tell customers correct things. I trusted your employee knew what was happening and was giving me correct advise. To find out they had no clue what they were saying which in turn hurt me.   
Regards,
[redacted]