PROCORPSA

[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

[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

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.

[redacted] [redacted] [redacted] Date: July 31, 2015 Account: [redacted] Regarding Your Platinum [redacted] Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com regarding your Platinum [redacted] account. I am sorry that our previous response did not address all of your concerns. You mentioned that the dates on our letters to the credit reporting agencies are incorrect. We reviewed the letters and determined that our request was to remove an inquiry dated June 17, 2014. However, it should have been to remove an inquiry dated June 17, 2015. Please be assured that we have sent updated requests to the credit reporting agencies to remove our inquiry dated June 17, 2015. Copies of our new request are enclosed for your review. I apologize if you found that our previous response was contradictory. The Bank strives to ensure all employees are working within the established policies and procedures, and in a manner that is of a benefit to our customers. For these reasons, we are completing an internal investigation regarding the credit card application that was submitted on your behalf; however, we will be unable to advise you of any corrective actions. While we cannot provide you with this information, we still appreciate your patience while have researched your complaints and worked toward a resolution of removing the credit inquiry from your credit reports. Please be advised that we have taken the necessary steps to remove the inquiry from your credit report in order to mitigate any potential impact it may have had on your credit. We consider these actions sufficient to resolve the matter, and we are unwilling to provide you with financial compensation as requested. 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: Bureau, Revdex.com Fifth Third Bank, Member FDIC. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Enclosure: Credit Bureau Letters

[redacted] Date: January 13, 2017 Account: [redacted] Regarding Your Platinum [redacted] Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

Platinum [redacted] 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 for your reference is a copy of the terms and conditions applicable to your credit card account. Page one (1) section one (1), and page four (4) section twenty-one (21), advise that the Bank may close the account at any time without prior notice. Your credit card was issued in November 2013 and you have not utilized the card for any transactions. Because the card the card was not used for the three (3) years leading up to its expiration date, the Bank did not reissue a new card to you. I am very sorry for the distress that this situation has caused, and I certainly understand your frustration with the account not being reissued. Please note that we may still be able to reissue a replacement card to you within twelve (12) months of the card’s expiration. I also apologize that the account is not reflecting as closed on your credit report. I confirmed there is a known issue at the Bank that credit cards we do not reissue due to inactivity are not updating as closed on customers’ credit reports. The Bank is currently working on a way to fix this issue so the card will automatically update as closed in this situation. I can process the closure and the account will then update to the credit reporting agencies as closed. Without your confirmation, I did not close the credit card in the event that you would prefer I request to keep the card open and have it reissued. I attempted to contact you on January 10, 2017, and on January 13, 2017. I am sorry that I was unable to reach you. Please contact me by February 1, 2017, to advise if you would us to reissue a replacement credit card for your account and keep it open, or if you would like me to move forward with the closure request. If I do not hear from you by February 1, 2017, I will close the account the following business day on February 2, 2017. Once closed, the account will update as closed on your credit report. 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: Fifth Third Bank Card Agreement

After I had attempted to be in contact with the Fifth Third Disputes dept. and getting not just no assistance and told by one person that "services were rendered" to me by the merchant. As I was stunned to hear this as I said I never indicated this at all in fact the opposite. As I was told to leve...

a voicemail for Lemont the mgr. I did at 9am yesterday. I called back at 1pm yesterday and was fold he was still in a meeting. I called back at 5:30 and told he was gone but the rep sent him an email message. I kept asking if I could speak to another mgr. and am always put on hold for a ling time and when they come back am told no I need to speak to Lemont.No return call, I call again today a few times and at 2:00 when I called he came to tbe phone.The conversation waz terrible. He offered nothing in fact now it is even worse. All reps have said tbere has been NO response from the merchant in my dispute after this 90 period. He said there has been and as I could tell he was lying because when I asked to get a copy of it as I in the vague denial letter it says I can obtain documents in my investigation he said "you should contact the merchant for that". I said "why would I contact the merchant for what she would have sent to fifth third?" After I kept asking he said maybe he could fax it as I asked but he wasnt sure. Maybe by wednesday. He said that he didnt see the letter that I had sent detailing everything at all and asked when was it dated. I said 6/6/2016. I tried to explain the fact that services were not rendered by the merchant and he just said "im sorry you feel that way". I mentioned a few times the different things im being just told and the trouble communicating with someone there and in a weird voice he just said im sorry. He sounded very cocky and sing songy. When I asked if he got my voice mail yesterday morning he said "i dont know, I don't think I heard it". This is so crazy! When I asked also what the date was of the merchant response he says thers is that all others have said there hasnt been one first he says "i dont know" then he says "its dated today". He said "i dont know when you were told there was no response and I said "yesterday" and also june, july and august 6. I asked about how one appeals if they disagree and he said "can you use another word other than appeal" he then said it can not be as it is not eligible for reinstatement. Then he said that I can only send information to his email address and he gave it to me. I asked for another manager to look at it and he said no it has to be him. Again, this is really crazy! How can I send him further details when he "will not do anything". I don't even know and can't find out why. 90 days have gone by and as I have been told other than by him that no response has been received by the merchant. Ive been told by reps that it was a phone consult one person said and it was Not a Phone Consult. Ive been told that I did business with the merchant on their website and this is not the case either. I mentioned that tbe merchant has a personal website that says she offers free consults even if that is what they think. But the 350 dollars was for a specific service that the attorney said she would go the next day after I spoke to her to get the information I was seeking. She did not get any information for me and didnt even go to the place of business. After having me text her the front and back of my bank credit card she then replied to my text tbe next day asking what information she obtained to not be concerned. I woyld luke to know what service was provided as the dispute dept is saying but just like absolutely EVERYTHING, I can't find out ANYTHING at all about my dispute. Please help! Thank you.[redacted]###-###-####

[redacted] Date: December 27, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. 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. Per your payment instructions provided to Fifth Third Bank on our website at 53.com, your $1,120.00 payment to [redacted] Bank was paid and posted to your checking account on November 13, 2017. This is the payment that you established to be automatically paid from your checking account each month using the Bank’s online bill payment system. On November 8, 2017, you accessed your account information on our website at 53.com. At that time, you scheduled a single payment of $1,120.00 to [redacted] Bank. This payment was paid and posted to your checking account on November 14, 2017. When you previously contacted the Bank regarding this matter, our Disputes Resolution Department opened a case to investigate the issue. Our Disputes Resolution Department finalized their case in your favor and credited your checking account $1,120.00 on November 24, 2017. At that time, $148.00 in related overdraft fees were also reversed and credited back to your checking account. During our telephone conversation regarding this matter on December 8, 2017, you confirmed that the matter had been resolved. At that time, you explained to me that you were upset because you did not receive a response to the email that you sent to the Bank on November 8, 2017. According to our records, the Bank sent an email response to you on November 9, 2017, instructing you to contact our Customer Service Department by phone to provide us with additional information so we could properly assist you. We strive to provide professional and accurate service to our customers and we regret that you were dissatisfied when you previously contacted the Bank regarding this matter. I want to confirm that your checking account was closed per your request on December 13, 2017. We regret that you felt the need to close your account and we hope that you will reconsider Fifth Third Bank for your financial needs in the future. 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

[redacted] Date: February 15, 2017 Account: [redacted] Regarding Your Transaction Dispute Dear [redacted]: We received copies of the complaints you submitted to the [redacted]...

[redacted] and Revdex.com regarding your transaction dispute. We also received the letter you sent to Chad B., Executive Vice President. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. On behalf of the Bank, please accept my sincere apologies the difficulties you have experienced as a result of the fraudulent transactions on your checking account ending in [redacted]. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties in 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. When you filed the transaction dispute on January 26, 2017, the items in dispute were still pending and had not yet posted to your account. Unfortunately, since the merchants authorized the transactions we are unable to stop the items from posting to your account. Sometimes, however, the item will not post if a merchant knows the transaction to be fraudulent. Since we are unable to determine whether a transaction will actually post to your account, we are unable to post any provisional credits until the disputed items until the items posted to your account. Once the items post to your account, we will post provisional credits for the disputed items. This procedure was not intended to cause you any hardship, and I am sorry for any distress this caused. On January 31, 2017, we posted five (5) provisional credits totaling $3,361.51 to your account. These funds are available to you while we conduct our investigation. We strive to resolve all investigations as quickly as possible. Please allow up to forty-five (45) days for the investigation to be completed. You will receive final written documentation upon completion of our research. If would like to follow up with our Disputes Resolution Department directly, you can reach them at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. Please be sure to reference case number [redacted] when speaking with an agent. Thank you for your patience while waiting for a response. 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, Elizabeth D.Office of the President Pc: [redacted] Revdex.com Chad B., Executive Vice President

[redacted] Date: December 8, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding the...

overdraft fees assessed to your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience these matters may have caused you. We strive to provide professional and accurate service to our customers and we regret if that has not been your experience. The Bank is continually working to ensure the availability of funds for withdrawal while staying within established Federal guidelines. 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. 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. I have enclosed a copy of our current Rules and Regulations. Refer to pages eighteen (18) and nineteen (19) for additional information regarding funds availability. If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account is overdrawn. We do not assess overdraft fees on pending transactions. Per item overdraft fees will not be assessed if your account is overdrawn by less than $5.00. The amount of the per item overdraft fee is based on the number of times your account has become overdrawn in the last twelve (12) months. For the first overdraft occurrence, you will be charged $25.00 per item. For each additional occurrence, a $37.00 per item fee will be assessed. We process transactions at the end of each business day and do not process transactions on Saturday, Sunday or Federal Holidays because they are not considered business days. Transactions that post to your checking account are processed in the following order: 1. Credits and deposits made prior to the end of day cutoff time (according to our Funds Availability Policy) 2. ATM transactions and debit card transactions in the order they took place 3. All other debits including checks, electronic bill payments, in the order of highest amount to lowest amount 4. Fees and service charges in the order of highest amount to lowest amount Please 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. Pages 11 through 14 of the included Rules and Regulations handbook contain more details about the Bank’s overdraft policies. On November 23, 2015, the beginning balance for your checking account was $149.53. An Automated Clearing House (ACH) deposit for $200.00 posted and was made immediately available in your account. Eighteen (18) items totaling $426.84 posted to your account. Therefore, your ending account balance was negative ($77.31) due to the last ten (10) items that overdrew your account. Due to insufficient funds, ten (10) overdraft fees totaling $370.00 were assessed to your account and posted the following day. On November 24, 2015, the beginning balance for your checking account was negative ($77.31). One transaction posted to your account for $172.50, in addition to your overdraft fees assessed from the previous day. Therefore, your ending account balance was negative ($619.81). However, it should be noted that no overdraft fees were assessed to your account for the $172.50 transaction. On November 25, 2015, the beginning balance for your checking account was negative ($619.81). We received your check deposit for $2,406.86 and $100.00 was made immediately available. As a result, the remaining funds totaling $2,306.86 were not available until the following day. Four (4) items totaling $72.72 posted to your account. Therefore, your ending available account balance was negative ($592.53). Due to insufficient funds, four (4) overdraft fees totaling $148.00 were assessed to your account and posted the following day. Copies of the overdraft notices sent for the days referenced above are enclosed for your review. It is important to ensure that your checking account has sufficient funds to cover the transactions you have authorized. In the interest of customer service, overdraft fees totaling $148.00 have been reversed and credited back to your checking account within the last two (2) months. Therefore, we are not willing to reverse any additional overdraft fees at this time. For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage options is also provided on the enclosed document. Please feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. 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 noted in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your correspondence. I encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updated. The Customer Service Department can be reached at (800) 972-3030. Representatives are available Monday through Friday, 7 a.m. to 8 p.m. and Saturday 8:30 a.m. to 5:00 p.m. Eastern Standard Time (EST). [redacted], please be assured that it was not our intention to cause you any hardship or frustration. You are valued customers and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S. Office of the President Enclosure: Rules and Regulations booklet, Overdraft Solutions flyer, Overdraft Notices Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11936748, and find that this resolution is satisfactory to me. 
Regards,
[redacted]

I have submitted my concerns about the practices 5/3 Bank does to charge its customers NSF fees. This matter was not helped by  5/3 Bank. They did call me once just to say that they have received such complaint but did not offer any solution, nor did not even ask me what was the problem.

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. 
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.   . The money was not returned back into my account.  I can have my bank fax you a transcript of my account proving it was not returned. 
Regards,
[redacted]

[redacted] Date: March 22, 2018 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your installment loan. We appreciate the time you have taken to document your thoughts and concerns. We have completed a review of your loan ending in [redacted]. I have confirmed that the overpayment check in the amount of $342.45 was presented for payment on March 20, 2018. I have enclosed a copy of the cleared check for your records. I have also enclosed a copy of the previous response sent to you on March 14, 2018, which explains that the payoff check was not sent to the designated payoff address provided on the payoff statement, causing a delay in processing the payoff. We certainly regret any frustration this may have caused you; however, we were unable to locate an error that occurred with the application of the payoff funds. 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 Enclosures: Check Copy, Previous Response

[redacted] Date: September 30, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your installment...

loan 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. On December 27, 2014, you applied for and agreed to a $27,483.00 vehicle installment loan with an interest rate of 6.140%. The monthly payment for your loan is $458.46, which is due by the tenth (10th) of each month. Your loan has a ten (10) day grace period. This means that you can make the monthly payment within ten (10) calendar days of the due date before a late fee is assessed. Enclosed for your reference is a copy of your signed contract for the loan. As of September 23, 2016, your installment loan is past due for the June 2016, July 2016, August 2016, and September 2016 payments. You mentioned that we refused to accept partial payments on the account. Please be advised that partial payments can be applied to your installment loan, but cannot cover a monthly payment due unless the full amount needed to cover the payment is processed. As a result, the delinquency is not reduced. Please be advised that our Collection Department may call customers from 8:00 a.m. to 9:00 p.m. in their time zone on every day of the week, including holidays. Our Collection Department has been calling you using the phone numbers on file regarding the most recent delinquencies since May 14, 2016. Prior to that, we spoke to you on February 11, 2016, at which time you mentioned a deferment on the loan. We advised that in order to qualify for a deferment you would need to make at least one (1) payment. However, you were unable to make the payment at that time. We do not have record of any additional requests for hardship assistance regarding your loan. I reviewed the call history for your account and verified that no collection calls were placed outside of the allowable timeframe. We spoke to you on June 23, 2016, regarding the delinquency. At that time, your account was past due for the May 2016 and June 2016 due dates. You made a $500.00 payment that day to cover the payment due for May 2016. You also advised you would make an additional payment the following week. However, the last payment we received for the account was the June 23, 2016, payment. We continued to call you about the account, but were unable to speak to you again. Your account was approved for repossession on August 12, 2016. At that time, your account was sixty-two (62) days delinquent. We were able to speak to you again on August 26, 2016, at which time we explained the account had been approved for repossession. We also asked for the location of the vehicle, which you declined to provide. As of September 23, 2016, the repossession company has been unable to locate the vehicle and is actively searching for it. When an account is referred for repossession, any charges billed to the Bank for the repossession are added to the loan as a fee owed to the Bank. At this time, your vehicle has not been located so it has not been obtained by the repossession company. Therefore, a repossession fee has not yet been applied to the account. As of September 20, 2016, the past due balance owed on the account is $1,792.30. This amount does not include the next payment that is due on October 10, 2016. Please be advised that our Collection Department is willing to accept a payment equal to 75% of the delinquent amount to cancel the repossession order, which totals $1,344.22. This payment will bring your loan current, allow us to cancel the repossession, and the loan will not be in danger of being re-assigned for repossession right away. This will allow us time to process an application for hardship assistance if you would like to do so. The $1,344.22 payment must be paid via check by phone or using [redacted]. Please contact our Collection Department at ###-###-#### to set up the payment or to obtain our [redacted] information. You will still be responsible to repay the remaining 25% owed, but making the $1,344.22 payment will allow us to cancel the repossession. If you would like the collection calls to stop, you may submit a cease and desist letter. Your correspondence can be mailed to our address listed above, or faxed to my attention at ###-###-####. Please note that while we will not call you, collection activity on the account will continue. This activity might include late charges, derogatory credit bureau reporting, repossession, and charging off the account. You mentioned that you tried to refinance the loan but were unable to because our interest rate was high and the amount owed was $6,000.00 more than the vehicle is worth. Fifth Third Bank did not set the price for the vehicle. We received the application you submitted from the [redacted] dealership on December 27, 2014. Additionally, you purchased a new car and it is typical for new cars to depreciate as soon as the vehicle is purchased. The interest rate applicable to your loan was disclosed to you, which you accepted per the signed contract that lists the interest rate. The outstanding amount owed is based on the loan you requested and the contract terms you agreed to. The loan amount is not adjusted if the vehicle’s value has depreciated to an amount below what is owed on the loan. 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: Note, Payment History

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
If you now look at their letter, they are definitely giving us false information. The account in question was not opened on 11/07/2016, I have been disputing this account since 11/07/2016. Please see attached documents for proof. After my personal investigation, this account was opened around 11/01/2006 and charged off around 01/01/2012. This is what I am seeing on my credit report.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution wasn’t exactly what was expressed to me in the beginning of the matter but at least I have found some sort of answer.
Regards,
[redacted] [redacted]

[redacted] [redacted] [redacted] Date: July 17, 2017 Account: [redacted] Account: [redacted] Regarding Your Recent Debit Card Dispute Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

concerning your recent debit card dispute. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. I attempted to contact you on June 27, 2017, to discuss this matter. Unfortunately, I have not been able to contact you by telephone. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused. 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 concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Our research determined you contacted the Dispute Resolution Department (DRD) and disputed a purchase with [redacted]. Upon contacting the DRD the investigator opened case [redacted] to research your claims. The Bank did provide credit to your account while investigating your concerns. Please find enclosed a copy of the letter mailed on February 27, 2017, informing you that the temporary or provisional credit of $912.78 was provided to allow you access to the funds while the dispute was under investigation. On April 25, 2017, the DRD notified you that your claim was denied. The credit provided to your checking account was reversed as a result of the investigation. As noted on the letter, the Bank did honor any items, including but not limited to, any checks, drafts, or similar instruments payable to third parties, as well as preauthorized and electronic funds transfers from your account (without charge as a result of an overdraft), up to the amount of your dispute, that post to your account for five (5) business days after the transmittal of this notice. For your review, please find enclosed copies of the documents provided by the merchant in regards to your dispute. The documentation indicates that the address on the invoice matches the address on your customer profile and the address this response is being mailed. The documents provided by the merchant indicated the transaction was authorized by [redacted]. If you have not authorized [redacted] to use your account, please contact the DRD to speak with the investigator assigned to your claim. Please reference case [redacted] when speaking with the DRD. The Bank had no prior knowledge that [redacted] had no authority to conduct the transaction in question on your behalf. In researching your concerns, we have contacted the DRD and reasserted the fraud dispute on your behalf. We may contact you during the investigation to help us resolve this issue. If you have information that will assist the DRD in researching your unauthorized purchase claim, please contact the DRD at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday, 8:30 a.m. to 5 p.m., ET. As mentioned above, if you have not authorized [redacted] to use your debit card, please contact the investigator at your earliest convenience. On June 20, 2017, the Bank closed and charged off your checking account ending in [redacted]. There was a negative ending balance of ($289.05). The account was sent for collection to [redacted]. If you would like to make a payment arrangement for the uncollected balance, you can call [redacted] at ###-###-####, Monday, 8 a.m. to 7 p.m.; Tuesday and Wednesday, 8 a.m. to 5 p.m.; Thursday, 8 a.m. to 7 p.m.; Friday, 8 a.m. to 5 p.m., ET. In addition, our research determined the Bank has reported the negative account activity to [redacted] is a national specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA) that retains checking or saving account information reported by financial institutions. [redacted] reporting may prevent you from opening deposit accounts. If you would like to contact [redacted], you may contact [redacted], on the internet at www.consumerdebit.com, via telephone at ###-###-####, or by mail at: [redacted] [redacted] [redacted] We appreciate your patience while we researched your request. 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, Patrick S.Office of the President PC: Revdex.com Enclosure: Merchant Documents Provisional Credit Letter Denial Letter

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.  Regards, 
[redacted]

[redacted] Date: February 6, 2018 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning 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 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 concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We have completed a review of your account ending in [redacted]. I can confirm for you that your savings account ending in [redacted] was connected to your checking account as Overdraft Protection. I have enclosed a copy of the Overdraft Notice dated October 24, 2017, for your review. As this statement explains, an Overdraft Protection transfer in the amount of $210.61 was made from your savings account ending in [redacted] to your checking account ending in [redacted], however, there were not sufficient funds in your savings account to cover the entire amount of the overdraft. As a result, the two (2) items not covered by the Overdraft Protection transfer were each assessed a $37.00 fee for a total of $74.00. This information is explained on page two (2) of the enclosed Overdraft Notice. Please note that the Overdraft Protection transfer on October 24, 2017, in the amount of $210.61 brought your savings account ending in [redacted] to a zero (0) balance. I have enclosed a copy of the statement dated October 27, 2017, which details this information. I have also enclosed your statement dated December 8, 2017, which shows that your account remained at a zero (0) balance until the account was closed on December 8, 2017. Please find enclosed a copy of the Deposit Account Rules and Regulations, which explain on page six (6) that if an account remains at a zero (0) balance and there is no activity on the account for a period of time, we will close the account. Following the closure of your savings account ending in [redacted], your checking account was no longer connected to another account for Overdraft Protection. If an account providing Overdraft Protection is closed, we will not automatically select another account to replace it without your approval. On page sixteen (16) of the enclosed Deposit Account Rules and Regulations it is explained that an account will only be linked as Overdraft Protection if a customer selects the account and notifies the Bank of the selection. We regret any difficulty this may have caused you; however, we have been unable to locate a request made by you to change your Overdraft Protection account. If you would like to select a different account as Overdraft Protection, please visit your local banking center or 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. As your savings account ending in [redacted] was not able to cover overdrafts on your checking account ending in [redacted] after October 24, 2017, each overdraft occurrence since has incurred an overdraft fee. I have enclosed the Overdraft Notices from November 24, 2017, through January 23, 2018, for your review. Each Overdraft Notice details the transactions that caused the overdraft as well as which items received overdraft fees in the amount of $37.00 each. Although each overdraft occurrence is assessed a fee of $37.00, your account may be assessed up to five (5) overdraft fees per business day which will post on your statement as a single lump sum. Overdraft fees are detailed on page twenty-six (26) of the enclosed Deposit Account Rules and Regulations. Our records indicate that you have elected to receive paperless statements and Overdraft Notices for your account ending in [redacted]. As a result, an Overdraft Notice is not mailed to you each time the account becomes overdrawn. If you would prefer to receive these Notices by mail, you may change your document preferences at 53.com, by visiting your local branch, or by contacting our Customer Service Department at the telephone number provided above. Additionally, you have several options available if you wish to review your available account balance, including via the ATM (Automated Teller Machine), at 53.com, alerts via text message or email, and by calling our automated customer service line at ###-###-####. We have completed a review of your request to reverse the overdraft fees on your account. Our records indicate that an overdraft fee in the amount of $25.00 was reversed on March 2, 2017, and a second overdraft fee in the amount of $37.00 was reversed on January 26, 2018. In the interest of customer service, I have credited your account an additional $12.00; however, as we have been unable to locate any errors with the assessment of these fees, we are unable to reverse further fees at this time. I apologize for any difficulty this may cause you. Thank you for your patience while we researched this matter for you. 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, Jennifer M.Office of the President Pc: Revdex.com Enclosures: Overdraft Notices, Statements, Deposit Account Rules and Regulations