PROCORPSA

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and hope that this resolution is satisfactory to me.  Obviously, I won't be able to tell for three months.Please note that this is _after_ I've called 5/3 bank multiple times about their mailings, so I don't have much confidence.  Time will tell.Thanks for the great service you provide!
Regards,
[redacted]

[redacted] Date: January 3, 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 regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. I can assure you that 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. We have completed a review of your account ending in [redacted] and the hardship application you submitted regarding this loan. Please be assured that your application for assistance has been fully processed and your next due date is February 28, 2018. Our records indicate that the incorrect maturity date was listed on the initial deferment paperwork. We regret any difficulty this may have caused you. Please be assured the late fee that was assessed to the account as a result of our error has been waived. In addition, please find enclosed a check in the amount of $12.59 to reimburse you for the additional costs that you incurred for providing the documentation to us a second time. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused 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 Enclosure: Check

[redacted]
[redacted]
[redacted]
Date: February 9, 2016
Account: [redacted]
Regarding Your Platinum [redacted] Account
Dear [redacted]:
We received your additional complaint that was sent to the Revdex.com regarding your credit
card payment. We appreciate the time you have taken to express your continued thoughts and concerns.
On behalf of the Bank, I apologize for any difficulties or concern this situation may have caused you.
However, we stand by our previous correspondence dated January 29, 2016, regarding your credit card
payment. We previously located the payment and applied it to your credit card account for the date the
payment was originally received. We also waived all of the applicable finance charges that were
assessed to your account. For your reference, I have enclosed a copy of our previous correspondence.
To maintain the security of your account, I am sending this letter to the address we currently have on
record for you. I noticed that the return address you used in your complaint is different. According to our
security protocols, I cannot update your mailing address based upon your correspondence. Please
contact either the Customer Service Department, or myself, to make sure that your accounts are properly
updated. The Customer Service Department can be reached at ###-###-####. I can be reached at the
telephone number listed below.
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: Previous Correspondence

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.   I just wanted to let you know that the matter involving Fifth Third Bank was semi-successfully resolved.Thank you for all you've done for my wife and myself in helping to get some satisfaction from this institution.Sincerely,[redacted]

[redacted] Date: May 22, 2017 Application: [redacted] Regarding Your Recent Loan Application Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com concerning your recent loan application. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies if my previous response to you did not address all of your concerns. We regret 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 concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Although you did initially visit our [redacted] Financial Center on April 15, 2017, and were assisted by Retail Personal Banker Shari B. at that time, the application was not input into our loan system until April 17, 2017. The application was not input on April 15, 2017, because Ms. B. was unable to enter your application on April 15, 2017 due to system issues. Please also be assured that only one (1) loan application was submitted. When I was researching this matter previously, I contacted Ms. B. and she stated that she called you on April 18, 2017, after she realized that she mistakenly input an application for a Home Equity Loan instead of a Home Equity Line of Credit as you had requested. In response to your follow up complaint, I contacted Ms. B.. Ms. B. stated that you contacted her on April 20, 2017, and that is when she realized that an incorrect loan product was mistakenly selected when she input the loan application. Your statement that you notified Ms. B. of the issue with the loan application is correct. Ms. B. did not become aware of the problem until you brought the matter to her attention. Please accept my sincere apologies that this was not clearly communicated to you in my previous response dated May 9, 2017. A copy of my previous response dated May 9, 2017, is enclosed for your review and convenience. Regarding your request for all of the documents associated with the loan application, as was stated in my previous response to you dated May 9, 2017, the only documents associated with your loan application are the documents you received after Ms. B. input the loan application. They are the documents that you were provided with on April 18, 2017. Although the Bank did receive a copy of your credit report in connection with your loan application, the Bank is unable to provide you with a copy of your credit report because your credit report is not owned by the Bank. Your credit report is property of the credit reporting agencies. For this reason, you would need to contact the credit reporting agencies directly if you would like a copy of your credit report. If you would like to contact the credit reporting agencies directly to request a copy of your credit report, their contact information is below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### You may also request a copy of your credit report online by visiting annualcreditreport.com. I will reiterate that we are required by law to retain application materials for an extended period of time, and we must, therefore, deny your request to delete information regarding your application. You may, for instance, review the regulation at 12 CFR 202.12(b) (3) which imposes certain retention obligations on the bank. Please also be assured, as was communicated in my previous response regarding the level of service you received from Ms. B., your concerns were forwarded to the relevant parties at the Bank. Unfortunately, we cannot inform you of any specific actions that might be taken in relation to our employees since any specific actions we may take are only for the Bank’s internal use. Please also be assured that there is no evidence to suggest that the error made by Ms. B. was intentional. Ms. B. simply made a mistake when she input your loan application and selected the incorrect loan product. 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: Previous Response Dated May 9, 2017

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: May 1, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your checking account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On July 27, 2012, we received a wage garnishment order for your account. The available balance in your checking account on July 27, 2012, was $427.57. As a result, we placed the $427.57 in your account on hold until the funds could be sent for the garnishment. I reviewed our records and confirmed that the $427.57 was unavailable in your account from July 27, 2012, through November 14, 2012, when we paid the garnishment. After we placed the $427.57 on hold, the available balance in your checking account was zero ($0.00). However, on July 30, 2012 you withdrew $240.00 from the checking account at an Automated Teller Machine (ATM), which reduced the available balance to negative ($187.57). Please note that your checking account had the ability to become overdrawn. You also had the ability to see at the ATM that the available balance was zero ($0.00). Additional Automated Clearing House (ACH) and check transactions processed against your account, but they were returned as unpaid because the Bank would not allow the available balance to become further overdrawn. On November 14, 2012, we paid the $427.57 per the garnishment order. Please note that during this time, two (2) returned items and overdraft fees of $37.00 each were assessed. The balance in your checking account on November 15, 2012, was negative ($314.00) due to the ATM withdrawal you completed and the fees totaling $74.00. You did not make any additional deposits to the account, so the balance remained negative. As a result, the account was charged off on January 8, 2013. The account was sold to the third (3rd) party collection agency TMT Management on December 16, 2013. Enclosed for your records are all of the checking account statements issued for the account. We confirmed that no Bank error occurred and the charged off balance is valid. Please note, however, that TMT Management is no longer in business and we are unable to verify what agency may now own the debt or the amount of debt that company may be collecting. I confirmed the account is not being reported to the intra-bank monitoring agencies [redacted] or [redacted]. We are also not reporting the account to any of the credit reporting agencies. We cannot remove a credit bureau reporting that is being reported by a different company. 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: Statements and Notices

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   I do  accept that after looking at the records that they did mail me another check  for the amount which I did cash- but I still incurred $24.00 in fees for the initial checks they mailed me , so I am requesting the re-imbursement of $24.00 to me. I don't know why they mailed the amount in question twice to me -i did not request it.  But I should not have to pay fees for their mistake. 
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 Bank published that my payment was late during a refinance when it wasn't.The Bank is also charging me for late fees that weren't charged previously and that they have not informed me off.These practices are very suspect and I'd like a response specifically to these issues and not just a payoff statement which is not an adequate response to my concerns.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find the refund appropriate as a minimum.   However, Fifth Third Bank was negligent throughout the process of investigation which raises concerns about the lack of compliance with policies and procedures relating the security of customers when there is a fraud on an account.From the initiation of the compliant for the check totaling $4950, Fifth Third Bank should have recommended a series of actions to keep my funds safe.  No one asked me in the first filing of dispute to shut my account or discontinue my online access. It was when 3 transactions overall were detected when representatives from Fifth Third Bank recommended additional security actions. This lack of initiative from the Bank concerns me and I am sure is a concern for the community. There were a series of Fifth Third Bank representatives including Tammy (from Riverview, FL Branch) and Aaron (from Seffner, FL branch)  who stated "the bank should have shut down this account from the beginning." I highly recommend Fifth Third Bank to revisit, reengineer, and/or retrain staff members on how to follow proper security procedures when there is fraud on an account. A bank should never leave a customer in "limbo" while an ongoing investigation for ANY TYPE OF FRAUD is going on without provisional credit and/or additional security actions to protect customers. This was a highly stressful moment for me and my family. A customer should never have to panic because of lack of protection or initiative from their bank; this is unacceptable. I should not have had to file any dispute with the Revdex.com to receive a response a timely response (less then 30-45 days).There should be proper controls implemented on the organization to ensure scenarios like this don't happen or at the very least get addressed. Thank you for refunding me what belongs 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.  While the complaint led Fifth Third to remove the offending pop-up from my login screen, the bank's representative warned me that it might only be a temporary solution, and that it may return. Well, not only has that happened, it is now a full-page pop-up (please see attached image). Further, it seems that this is Fifth Third's new modis operandi - to place pop-ups on the login screen for information they want, which they claim is optional, but the pop-ups will not go away until I comply. This is simply not acceptable. If the information is optional, then there should be a choice to opt-out permanently.
Regards,
[redacted]

[redacted] Date: October 14, 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. Enclosed for your reference is a copy of the contract for your loan. Page two (2), section three (3), subsections b, c, and d explain default and repossession. Per the contract, your loan is in default if you do not pay when the loan is due. If the loan is in default, the contract explains that we may repossess the vehicle. Subsection e advises that you can redeem the vehicle if it is repossessed by paying the amount we quote for it to be returned. The $276.21 monthly payment for your loan is due by the eighteenth (18th) of each month. If the payment is not received within the ten (10) day grace period after that, a late payment fee is assessed. On July 8, 2016, we received a $579.35 payment that you scheduled from your [redacted] account. At that time, your account was past due for the May 2016 and June 2016 payments. The $579.35 made your account current. However, the payment was returned by [redacted] for insufficient funds on July 12, 2016. As a result, the July 8, 2016, payment was removed from your account and the loan was again past due for May 2016 and June 2016. You made another payment from E TX PROFESSIONAL CU on July 14, 2016, for $579.35. This payment was successful and was not returned by your bank. The July 14, 2016, payment brought your account current with the next payment due on July 18, 2016. Unfortunately, we did not receive another payment for the account after that. On September 20, 2016, the vehicle was repossessed. At that time, the account was sixty-three (63) days delinquent for the July 2016, August 2016, and September 2016 payments. I reviewed your account and confirmed that the July 8, 2016, payment was not reversed and reapplied to not go toward fees. That payment was returned by your bank for insufficient funds. Of the $579.35 you paid on July 14, 2016, $26.11 was applied toward fees. The amount paid toward fees would not have been enough to cover additional payment due on the account. The payment covered two (2) months of payment as you intended. I am sorry for any misinformation or misunderstanding about the double payment you made going to fees. The vehicle was repossessed because we did not receive any payment after the July 2016 payment to cover the July 2016, August 2016, and September 2016 payments. The repossession is not related to the July 2016 payments received. When a vehicle is repossessed, the Bank requires that the account holder pay the total amount due to redeem the vehicle so it is not sold at auction. The total amount due includes all past due payments, fees, and the repossession fee. Please note that if a vehicle is sold at auction for more than the outstanding balance of the loan, Fifth Third Bank sends a check to the accountholder for the overpayment. Our Collection Department made an exception to allow you to redeem the vehicle by paying just the past due payments owed, and we would then spread the amount of the repossession fee over the next payments for the account. The past due amount owed for those three (3) months was $885.52. We received your $885.52 payment on September 22, 2016. The vehicle was released for your possession that day. I confirmed that you have the following payment scheduled for the loan: ** $454.55 on October 18, 2016 ** $454.55 on November 18, 2016 ** $454.55 on December 16, 2016 ** $266.55 on January 18, 2017 Please note that we do not know what fee will be charged by the repossession company until we receive a bill from that vendor. For that reason, we estimate the repossession bill we will receive until it is charged. The extra $178.34 scheduled per month for three (3) months totals $535.02. However, the actual repossession bill we received and applied to the account on September 28, 2016, was only $477.59. Please feel free to contact the Collection Department if you would like to cancel and reschedule the ACH payments to accommodate the lower repossession fee. The Collection Department can be reached at ###-###-####. That department is available to assist you Monday through Friday from 8 a.m. to 9 p.m., ET, and Saturday through Sunday from 8 a.m. to 5 p.m., ET. 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: Note, Payment History

[redacted] Date: September 21, 2015 Account: [redacted] Regarding Your Lease Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your lease account....

We appreciate the time you have taken to document your thoughts and concerns. Your comments expressing less than quality customer service are very concerning. It was certainly not our intention to cause you any undue frustration and we sympathize with the difficulties you encountered. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. We strive to provide professional and accurate information to our customers and we sympathize with the difficulties you encountered. On June 1, 2015, your lease account was invoiced $45.00 for an unpaid citation that was issued by the [redacted] on August 23, 2007. Your vehicle was still registered with the Fifth Third Leasing Company at that time. Your lease account was re-opened on June 3, 2015, and the $45.00 invoice was paid. A $30.00 processing fee was also charged to your lease account. Our records indicate that you received the bill for the amount owed on your lease account and on July 10, 2015, you contacted our Escalation Department. Our Lease Operations Group reviewed this matter and the decision was made to waive the amount owed on your lease account. Please be assured that all residual interest that was due on your account was also waived. Effective on September 16, 2015, your lease account was closed out completely with a zero balance owed. You will soon receive a statement that will show the lease account has been closed with a zero balance. I hope this letter addresses all of your concerns and you are satisfied with the resolution. It was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. Thank you for your feedback as it assists us in identifying problems and allows us to continuously improve the level of service we provide to our customers. If I could be of further assistance to you, please call me toll free at ###-###-#### or directly at ###-###-####. Sincerely, Lisa S. Office of the President Pc: Revdex.com

[redacted] Date: August 30, 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 [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. On June 3, 2017, the Bank placed a temporary hold on your credit card ending in [redacted] due to suspicious account activity. When you spoke to our Fraud Department in June 3 2017, you were asked to verify the three (3) digit security code on the back of the card to release the hold. However, the call disconnected and the information was not verified. When you called and spoke to our Fraud Department on August 15, 2017, and requested to close the account, the representative advised you would need to provide to forms of identification in order to process the closure request due to activity on the account profile. However, this information was provided to you in error. The Fraud Department representative should have transferred you to the Customer Service Department regarding the account closure request. I am sorry for any inconvenience and difficulties this caused you. Please be assured that the relevant personnel have been notified of this matter. I closed the credit card account on August 29, 2017. Even though the account is now closed, the balance will continue to accrue interest and you must still pay at least the minimum payment due by the due date each month. 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

[redacted] Date: March 14, 2018 Account: [redacted] Regarding Your [redacted] Credit Card Dear [redacted]: We received a copy of the follow up 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 or frustration this matter may have caused you. However, the Bank stands by the response conveyed to you in our previous letter dated March 5, 2018. Our position on this matter has not changed. I have enclosed a copy of that letter for your convenience. 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 Enclosure: Previous Response

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
[redacted]  FIFTH THIRD BANK Christopher S. Greg D. C. 5050 Kingsley Dr CINCINNATI OH 45227  December 8, 2016  RE: ACCOUNT # [redacted]  Sir/Madam:  On 12/07/2016 I received three letters from FIFTH THIRD BANK giving yourself permission to make automatic withdrawals from my joint checking account. These three letters were dated 11/28/2016. Enclosed please find these three letters, and my previous letter to FIFTH THIRD BANK.  I am writing to request that you immediately cancel these automatic withdrawals from my checking account. These charges are unauthorized. Although I had someone attempt to call and get your correct address and phone number, they were on the phone for an hour and a half and your customer service department was too incompetent to know who you were or your contact information. The Federal Reserve's rules governing pre-authorized transfers (p[redacted] of Regulation E) states the following: "Once a financial institution has been notified that the customer's authorization is no longer valid, it must block all future payments for the particular debit transmitted by the designated payee-originator." Federal law states banks cannot require you to repay a loan by automatic debit from your checking account as a condition for a loan. I would appreciate your immediate compliance with this federal law. Your customer service representative misrepresented activity on my installment loan  account, and forced me under duress into providing my bank account information for automatic withdrawals. According to my records my account with FIFTH THIRD BANK is current with an over payment. of $21.50. Please immediately correct your records. Should your bank threaten repossession, falsely repossess my vehicle, attempt to charge me for your wrongful removal of my vehicle during Thanksgiving holiday weekend, or attempt any other misconduct. I will not hesitate to seek le**l counsel. I consider this matter resolved. Please contact me if you have any further questions. Re**rds, [redacted] Sir/Madam:Enclosed please find copies of my previous two letters that were faxed, and mailed to you, along with 3 letters from you dated 4/28/2016 and 1 letter from you dated 12/03/2016.I am writing to request that you correct your records at once. as I have previously stated payment for December 2016 has already been paid, and my account is presently current with a surplus. Your company has failed to provide any details disputing this fact. Please correct your records at once.  It is unacceptable for Fifth Third Bank to continue disrupting my life in a ne**tive manner. Your company's errors have caused enough disruption not only in my financial affairs, but also my family's Christmas holiday season.Failure to correct your records and requesting additional funds above and beyond normal payment amount will be viewed as harassment. A**in, I consider my account current and this matter resolved.Merry Christmas!
Re**rds,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11090958, and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Can you email the customer back and find out what the card # ends in and what address is associated with [redacted] please?  I’m unable to locate the customer with the information provided.
Thanks,
Heather W.
Fifth Third Bank

Sara Martin 7002 Monarchos Drive New Albany OH 43054 Date: December 4, 2015 Account: [redacted]7913 Regarding Your Checking Account Dear Sara Martin: We received a copy of your complaint submitted to the Revdex.com concerning your checking account....

Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. We have researched the issues you had when closing your checking account, and found that the account was reopened multiple times during this process due to pending disputes. When an item is disputed and the investigation is in process, the account is generally kept open for any applicable refunds or debits to post. We apologize for any inconvenience that this process caused. According to our records, cases C1509653718 and C1509647137 that had been opened with our Disputes department have been closed after our representatives were able to speak to you about the resolution of your cases. I have verified that the large dollar hold on your account was released, a credit of $485.25 for the disputed transaction was credited back to you, as well as the overdraft fees associated with the disputed transaction. We deeply regret the inconvenience caused by these events, but were pleased to confirm that your account was closed November 12, 2015. Additionally, your comments expressing less than quality service that you have received during this process are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. Ms. Martin, I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at (513) 358-9158 or toll free at (866) 360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah Starkey Office of the President