PROCORPSA

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[redacted] Date: April 22, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the 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. Please be advised that the Fair Credit Reporting Act (FCRA) does not require financial institutions to notify consumers that they are being reported as late to the credit reporting agencies. We have completed a thorough review of the payment history being reported to the credit reporting agencies for your installment loan. Our review determined that the information being reported is correct. Your installment loan payment was received more than thirty (30) days late seven (7) times. A copy of your payment history is enclosed for your review. Also enclosed are copies of the late payment notices that we mailed to you for each of the late payments listed on your credit report. The late payments reported are listed below: Due Date Payment Date Delinquency Reported 10/13/2013 11/13/2013 30 Days Late 12/13/2013 1/13/2014 30 Days Late 1/13/2014 2/13/2014 30 Days Late 6/13/2014 7/14/2014 30 Days Late 9/13/2014 10/16/2014 30 Days Late 10/13/2014 11/13/2014 30 Days Late 12/13/2014 1/23/2015 30 Days Late Please be advised that the payment history for the loan is reported each month throughout the life of the loan. The late payments listed on your credit report were not added after the loan was paid in full. We verified that we have not sent any extra updates to the credit reporting agencies outside of the regular monthly account reporting for this account. If you have documentation that shows there were no late payments listed for the account before it was paid in full, please provide copies of this documentation so we can further research your concerns. While we would not be able to remove the accurate late payments from your credit report, we could further research what caused the late payments to not be reported at the time of the delinquencies. The requested documentation can be faxed to my attention at ###-###-#### or mailed to me using my address listed above. 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: Payment History, Note, Late Payment 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.   
Regards,
[redacted]

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

debit card. 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. We strive to provide accurate and professional service to our customers and I regret if this is not the level of service you received. On behalf of the Bank, please accept my sincere apology for any inconvenience or frustration this matter has caused you. Please be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received and passed along your concerns. Upon receiving your complaint, we researched the debit cards ordered for [redacted] connected to your joint checking account ending in [redacted]. Please use the below chart as verification of the debit cards owned by [redacted]. Open Card Number Date Reason Card was opened Closed Date Reason Card was Closed [redacted]xxxxxxxx[redacted] 9/30/2013 Checking Account Opened 8/19/201* Merchant Compromised [redacted]xxxxxxxx[redacted] 7/18/201* Replace card [redacted] 5/26/2015 Fraud [redacted]xxxxxxxx[redacted] 5/15/2015 Replace card [redacted] 2/2/2016 Banking Center Closed [redacted]xxxxxxxx[redacted] 5/19/2015 Card request by customer 7/27/2016 Reported Lost [redacted]xxxxxxxx[redacted] 2/*/2016 Replace card [redacted] 6/27/2016 Blocked/ Dispute filed [redacted]xxxxxxxx[redacted] 6/28/2016 Replaces card [redacted]xxxxxxxx[redacted] 7/27/2016 Replaces card [redacted] 7/28/2016 Customer Request On June 27, 2016, our Dispute Resolution Department opened a case on [redacted] debit card ending in [redacted]. As part of the fraud investigation, the Dispute Resolution Department closed the debit card ending in [redacted] and issued a new debit card ending in [redacted]. The disputed transaction was a $61.67 purchase at [redacted]. Because this dispute was a fraudulent transaction not authorized by [redacted], the Dispute Resolution Department provided provisional credit to your joint checking account ending in [redacted] on June 28, 2016. I have enclosed a copy of the letter mailed to you from the Dispute Resolution Department, advising that the dispute was approved and the credit was issued to your account. On July 7, 2016, you contacted the customer service department and closed your debit card ending in [redacted].The card was blocked and a new card ending in [redacted] was issued. On July 27, 2016, you and [redacted] made several calls to the customer service department and the Dispute Resolution Department. You both were concerned with a pending transaction on your checking account from [redacted] in the amount of $240.00. Our research confirmed the debit card transaction from [redacted] was on [redacted]’s debit card ending in [redacted]. As noted above, this debit card was issued to [redacted] on May 19, 2015. [redacted] last used the card in January 2016; however, the card was never reported lost or stolen. During your conversations with our customer service department, you both showed concern that more than one (1) debit card could have been owned by [redacted]. On August 2, 2016, the Dispute Resolution Department opened a case for the [redacted] purchase. Because this dispute is a non-fraud claim, the Dispute Resolution Department did not provide provisional credit to your checking account. As part of the dispute process, a block was placed on the debit card ending in [redacted], and a new debit card was issued ending in [redacted]. Case number [redacted] is an ongoing investigation. While we try to resolve all investigations as quickly as possible, it can take up to one hundred and twenty (120) days to finalize your claim. If you have questions regarding the investigation, please contact the Dispute Resolution Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday, 8:30 a.m. to 5 p.m., ET. Please reference your case number when talking to the Dispute Resolution Department. [redacted] offers a service called Automatic Billing Updater (ABU) to their customers. ABU is a service for Fifth Third cardholders that have setup recurring payments against their card. ABU ensures uninterrupted payments by updating card account number information to the participating merchant when changes occur for example, when a card is closed due to fraud. Please note, ABU is a service provided to our customers, but not all merchants utilize the service. Fifth Third Bank is not able to determine if any or all of your recurring payment merchants will be provided the new card updates. We recommend contacting any merchant with whom you have a scheduled recurring payment to either ensure they have your updated card number or to cancel the recurring payment. Thank you for your patience while we researched this matter for you. We regret that you felt the need to close your accounts, and we certainly hope you will reconsider using 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, Patrick S.Office of the President PC: Revdex.com Enclosure: Dispute Decision 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.  For your reference, details of the offer I reviewed appear below.
I appreciate the info, but limiting me to scheduling only 4 payments is not reasonable, and a cheap attempt to collect more fees.
Regards,
[redacted]

[redacted] Date: August 28, 2017 Account: [redacted] Regarding Your Safe Deposit Box Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com (Revdex.com) concerning your Safe...

Deposit Box. Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. Please be assured that we have researched the issue surrounding the Safe Deposit Box you opened at the [redacted] Banking Center on October 29, 2010, and the information you have recently received concerning a balance owed associated with this box. Our research has indicated that the keys for this box were not returned to the Bank; therefore the box was not successfully closed. After your discussions surrounding the status of the box with the [redacted] Banking Center on June 27, 2017, and June 29, 2017, this box was then drilled on July 27, 2017, and closed. Fifth Third Bank drills a Safe Deposit Box when a payment has not been made for a period of time and keys are not available. Any possessions held in the box at this time are logged and escheated to the State to be held for the customer. I have verified that no items were in your box at the time it was drilled per the log created on that date. Please know we deeply regret any inconvenience this issue has caused you. I am pleased to confirm that the balance which was due on this account is no longer owed, nor was it reported for collection during the escheatment process. Please keep this letter for your records as verification of this and do not hesitate to call me with the information below should any further issues arise. Additionally, your comments expressing less than quality service you received are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet 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. [redacted], I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S.Office of the President PC: Revdex.com

[redacted] Date: November 21, 2017 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to...

hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. Our research confirmed that a deposit of $200.00 posted to your savings account ending in [redacted] on November 7, 2014. The Bank released the funds from the check you deposited within the time mandated by Federal Regulations, and the funds from the deposit were transferred into your checking account ending in [redacted]. However, the deposit was removed from your account on November 13, 2014, when the issuing bank returned the item unpaid due to insufficient funds. When the deposit was returned on the account, it brought your account balance negative. The account remained negative until it was charged off on December 2, 2014, with a negative balance of ($265.00). We have determined that the information originally provided to [redacted] was accurate. Therefore, we cannot fulfill your request to remove the reporting. After an additional review, we have removed your record from Early Warning Services. Be sure to use this letter if you apply to open a deposit account over the next 90 days as proof that your records have been corrected. I have enclosed copies of the Overdraft Notice and Account Statements. You can make a payment toward the charged off balance at a local Financial Center, or by mailing it to the following address: Fifth Third Bank [redacted] Consumer Account Collections [redacted] We will update the account balances with the Consumer Reporting Agencies to reflect any payments that you make. It is not our intention to cause you any hardship and I apologize for the inconvenience this matter caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com Enclosures: Overdraft Notice and Account Statements

I spoke to [redacted] today and he indicated that everything has been taken care of and he’s pretty much forgotten about the issue he had with the Banking Center.  Thank you so much for your help! Jennifer  C.Fifth Third Bank, Office of the President

[redacted] Date: December 30, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint 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. It was certainly not our intention to cause you any undue hardship 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 and passed on your concerns. On November 20, 2015, we received a payment in the amount of $25,504.30 that served as the full payoff of your installment loan. We have confirmed that your installment loan was paid off on November 23, 2015, with an effective date of November 20, 2015. Our records show that a refund check in the amount of $13.23 was mailed to you and your installment loan was closed on December 8, 2015. You should have received our notification letter confirming that your loan has been paid off and closed with a zero balance owed. Auto BillPayer had a regular payment scheduled to be made on November 23, 2015. You had previously agreed to allow Auto BillPayer to make your regular payments on the 23rd of each month. Unfortunately, a payment was already pending when we processed your payoff payment on November 23, 2015. Therefore, a payment in the amount of $575.00 was drafted out of your checking account, as scheduled. According to the Auto BillPayer Terms and Conditions, that you agreed to when you signed up for the payment service, you were required to provide notice to Auto BillPayer if your loan was to be paid off and closed. Page 16, section 3 of the enclosed Terms and Conditions booklet states that a customer is required to notify Auto BillPayer when your account status changed. I apologize if you were unaware of this requirement. Please be assured that a refund check in the amount of $575.00 was mailed to the address listed above on December 18, 2015. After a loan is closed, we wait ten (10) days before issuing refunds. We do this to ensure no accounting errors have been made prior to issuing lien releases and refund checks. I apologize if you were told otherwise. If you have not received the refund check, please contact me directly at the phone numbers listed below and I will be happy to further research this matter. We regret the frustration this matter has caused you. However, since you signed an agreement to allow Auto BillPayer to make your loan payments on the twenty-third (23rd) of each month, and you did not cancel the payment service prior to paying off the loan, we will be unable to waive any fees you were charged by your bank.  We appreciate the opportunity to research your concerns. We truly valued your business and we certainly hope you will consider using 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, Lisa S. Office of the President Pc: Revdex.com Enclosure: Terms and Conditions Applicable to Fifth Third Express Banking

[redacted] Date: November 1, 2017 Account: [redacted] Regarding Your Access 360º Card Dear [redacted]: We received copies of the complaints you submitted to the Revdex.com and [redacted] regarding your Access 360º Card. 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 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. Between August 22, 2017, and September 28, 2017, you disputed sixteen (16) transactions on your new Access 360º Card ending in [redacted]. Out of the sixteen (16) disputed transactions, thirteen (13) were decided in your favor, one (1) was denied, and two (2) are still outstanding. The following disputes were decided in your favor: $7.80 [redacted] $145.00 [redacted] $170.00 [redacted] $3.20 [redacted] $3.23 [redacted] $24.54 [redacted] $23.20 [redacted] $5.00 Unknown Merchant $20.00 Unknown Merchant $7.04 [redacted] $10.99 [redacted] $14.00 [redacted] $10.00 ** Although two (2) of the transactions are from an unknown merchant, we believe that the transaction of $5.00 was either from [redacted] or [redacted], and we believe the transaction of $20.00 was from [redacted] or [redacted]. The dispute of the [redacted] purchase of $27.76 was denied. The following disputes are still outstanding, and no decision has been made yet: $36.70 [redacted] still outstanding $9.94 [redacted] still outstanding We strive to resolve all disputes in a timely manner. Please note that the outstanding disputes may take up to sixty (60) days for resolution. If the disputes are decided in your favor, the previously provided temporary credits will become final. If the disputes are not decided in your favor, the previously provided temporary credits will be debited from your account balance. If you have any questions regarding your disputes, please call our vendor, [redacted], at ###-###-####, twenty-four (24) hours a day, seven (7) days a week. Our records show that you closed the Access 360º Card ending in [redacted] and transferred the balance to a new Access 360º Card ending in [redacted] on October 4, 2017. However, please note that the block was removed from the card in error and should have remained on the card. We subsequently placed a block on the new card ending in [redacted]. Again, the block was removed in error again on October 10, 2017, and you took a cash advance of the $87.22 balance on the card. Upon completion of our research, we will close the card. You also mentioned a disputed purchase of $437.00 at [redacted] in [redacted]. We have no record of this transaction, or any disputes filed for that amount. In order to research this transaction further, we will need additional information such as the date of the transaction and account used to make the purchase. You may call me at either number below to provide this information. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com, [redacted]

[redacted] [redacted] [redacted] Date: January 13, 2017 Account: [redacted] Regarding Your Recent ATM Withdrawal Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your...

recent ATM withdrawal. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. I also want to thank you for taking the time to speak to me on January 5, 2017. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We strive to provide exceptional service each time you visit one of our banking centers, and I am sorry that was not your experience. 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. After reviewing your checking account ending in [redacted], we waived fees totaling $6.75 in the interest of customer service. The fee waivers posted to your account on January 5, 2017. We were unable to waive the fee of $3.00 you incurred by the owner of the ATM (Automated Teller Machine) because it was not assessed to by Fifth Third Bank. So, in lieu of waiving the $3.00 fee, we waived a cashier check fee of $4.00 in addition to the ATM fee of $2.75 that you incurred by Fifth Third Bank. Please be aware that we cannot guarantee that an ATM will be operational at all times, and future non-Fifth Third Bank fees may not be waived. You also mentioned during our telephone conversation that you sent a message to the Bank regarding the ATM fees assessed to your account. However, in conducting our research, we were unable to locate any messages received from you. 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

[redacted] [redacted] [redacted] Date: September 28, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: Thank you for contacting the Bank, regarding your checking account ending in [redacted]....

We appreciate the time you have taken to express your concerns regarding this matter. We are very sorry if our attempts to explain the Overdraft Coverage policy during your telephone calls with our Consumer Contact Center did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter may have caused you. We strive to offer our customers products that are convenient and beneficial while remaining competitive within the industry. Some checking accounts have the Overdraft Coverage option, which allows a customer to complete a one-time debit card transaction or ATM withdrawal even if there are insufficient available funds in the account to cover the full amount of the transaction. Our records indicate that you accepted Overdraft Coverage for ATM transactions and one-time debit card transactions on August 7, 2014. A letter confirming your acceptance of Overdraft Coverage was mailed to you at the address on file at that time. For your records I have included a copy of this letter. It should be noted that a block placed on your debit card does not affect the Overdraft Coverage option you have chosen on your checking account. Therefore, the Overdraft Coverage option does not change if you are issued a new debit card for your checking account. On September 14, 2015, the balance in your checking account was $528.28. Fifteen (15) items totaling $666.20 posted to the account that day, creating an ending balance of negative ($137.92). Due to non sufficient funds ten (10) overdraft fees totaling $370.00 were assessed and posted the following business day. The ending balance was negative ($507.92). An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fees assessed. On September 15, 2015, the balance in your checking account was negative ($137.92). A deposit of $200.00 was credited to your account. However, three (3) items totaling $459.45 posted to the account that day, creating an ending balance of negative ($397.37). Due to non sufficient funds one (1) overdraft fee of $37.00 was assessed. The ending balance was negative ($434.37). An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fee assessed. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. In the interest of customer service, we waived a total of $74.00 in overdraft fees as a courtesy on September 16, 2015. On September 16, 2015, you were also opted out of Overdraft Coverage. Therefore, any debit card purchases and (ATM) withdrawals are declined when there is not enough money in your account, and as a result, will not be charged an overdraft fee for these types of transactions. However, Overdraft Coverage for checks and ACH electronic payments comes standard to your checking account. If there are insufficient funds in your account when these types of transactions are processed, your checks and electronic payments will be returned unpaid, and are still subject to overdraft fees. Electronic payments do not show as pending against the account during the day because they are not preauthorized like debit card transactions. Because checks and electronic payments do not have a preauthorized timestamp, these types of transactions are processed at the end of the business day. To prevent an overdraft situation, you have the ability to review your account at an ATM (Automated Teller Machine), on our website at www.53.com, or by calling our Customer Service Department at ###-###-####. If the account becomes overdrawn, we also send you an overdraft notice that includes a detailed breakdown of the day’s transactions. 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 account. We also offer ways to track your balance and manage accounts to help avoid overdraft fees on your accounts in the future. We sincerely hope this information will help you understand the Bank’s position going forward and resolve your needs. If I could be of further assistance to you, please call me at [redacted], or toll free at ###-###-####, Monday through Friday, 8 **m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President Enclosures: Overdraft Notices and Overdraft Solutions

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 check does not show the entire amount that was removed from my checking account the total amount was $15,266.00 that was removed from both accounts. The problem that still exist is that the check I was informed, was not received by the courts and it is showing on my credit report as amount owed. Second, the remaining money that was removed $5,043.52 Fifth Third bank I was informed, they do not know what happened to it. I'm currently waiting for information from the courts to verify the information that was given.
Regards,
[redacted]

[redacted] Date: September 19, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your additional rebuttal filed with the Revdex.com regarding your vehicle loan. We have reviewed your continued concerns. As advised in our previous responses, according to our insurance center, your comprehensive insurance coverage was cancelled on December 16, 2015. A new policy was written on March 30, 2016, that included comprehensive coverage. However, the effective date for this policy was May 24, 2016. Subsequently, the Bank purchased comprehensive insurance coverage, on your behalf, that was in effect from December 16, 2015, until May 24, 2016. In your most recent rebuttal, you requested that we contact your [redacted] Insurance agent, [redacted], once again to request that she provide us with proof of comprehensive coverage. I contacted [redacted] by telephone on August 26, 2016. I advised her that we had not received a copy of the Declaration page from your insurance policy to show proof of insurance on your vehicle that is held for collateral on your installment loan. She shared that she was going to review your insurance policy again and if you had comprehensive insurance coverage, she would fax to me directly the Declaration page from your policy. I provided [redacted] with my direct fax number, ###-###-####. I did not receive a fax from your insurance agent, nor did I receive a call back from her in the days to follow. I contacted her office again on August 30, 2016, and left a message requesting that she contact me back regarding this matter. As of today, she has not returned my phone call. Our response on this matter has not changed. In order for us to continue the research into this matter, we will need to be provided with the Declaration page from your insurance policy that shows that you had comprehensive coverage on your vehicle. Until we receive this requested documentation, we will consider this issue closed and no longer respond to you regarding his matter. We appreciate the opportunity to review this matter. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, [redacted] Office of the President Pc: Revdex.com

[redacted] Date: October 19, 2017 Regarding Billing for Fifth Third Bank Identity Alert Premium Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning the service...

charges for Fifth Third Bank Identity Alert Premium. 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 concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. The current pricing for Fifth Third Identity Alert Premium varies depending on the type of Fifth Third Bank checking account that you have. The current pricing for Fifth Third Identity Alert Premium for the type of account that you have with the Bank, the Express Banking account, is $14.95 per month per individual. Pricing information for Fifth Third Identity Premium can be found on our website at 53.com. According to our records, your enrollment in Fifth Third Identity Alert Premium was canceled per your request on September 30, 2017. You were correctly billed for Fifth Third Bank Identity Alert Premium. Since your enrollment has been canceled, you will no longer be billed. Since your account was appropriately billed for Fifth Third Identity Alert Premium, the Bank will not issue you a refund. We regret any inconvenience this might cause you; however, we can only issue a refund for the service if your account was being billed incorrectly for the service. 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], I have read the most recent rebuttal from [redacted] and he does not provide any new information from his previous rebuttals.Our position on this matter has not changed. We have been requesting a copy of the Declaration Page showing proof of comprehensive coverage for several months. We have contacted [redacted] directly numerous times and have been provided the same information each time.  I can assure you that his insurance agent has not attempted to contact me directly, as requested in my previous responses. I would be happy to speak to his insurance agent.  My direct phone number has been provided in each of my responses. We still consider this issue closed and will no longer respond to [redacted] unless new information is received from him or his insurance company. Thank you, [redacted]| Fifth Third Bank Customer Care Specialist II| Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263P: ###-###-#### F: ###-###-#### email: [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.  They think an apology is good enough.  Well it's not!  First of all, you don't treat clients like I was treated.  I went through hell with 53rd Bank for 4 months waiting to get a home loan. They didn't care then and surely don't care now.  This loan originated in August 2015.  They contacted me at the end of November 2015 to tell me I wouldn't qualify for the loan. They kept leading me to believe everything would go through on this loan. I paid for an appraisal,  different inspections,  multiple contract extensions, and earnest money.  If they didn't lead me to believe the loan would go through, I wouldn't of invested my hard earned money to try and get this house.  I'm a single mom with 2 kids.  They didn't care then, and sure don't care now. I guess their apology is going to make everything right. No bank will take 4 months to tell you that your loan didn't qualify!  The loan was handled by 3 different people in multiple states.  Each and everyone of them dropped the ball.  I'm a first time home buyer and this was  big decision for me.  As it should be.  I'm out of the money along with being out of a house!  I hope anyone and everyone see's my complaint about 53rd Bank before thinking about getting a loan through them.  I'm going through a different bank and qualifying for the loan. 
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: July 18, 2016 Account: [redacted] Regarding Your Credit Card Account Dear [redacted]: We received a copy of the complaint you filed with Revdex.com. We appreciate the time you have taken to...

document your thoughts and concerns regarding the collection calls you received. Please be assured that Fifth Third Bank takes your feedback seriously. Our Collection Department begins making calls to customers when a payment is not received by the due date. They are a failsafe the Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8 a.m. until 9 p.m., including holidays. Several calls may be placed each day in an effort to remind customers that a payment is due and to obtain payment arrangements. This policy complies with all applicable laws and regulations. In researching your concerns, I could not locate a copy of your previous letter to the Bank. It was certainly not our intention to cause you any frustration or inconvenience. If you believe that there was unauthorized account activity, please contact our Disputes Department directly. They can be reached toll-free at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, and Saturday, 8:30 a.m. to 5 p.m. Please be advised that the credit card was closed on June 6, 2016. I waived a late fee and a finance charge for a total of $22.00. The account is now at a zero (0) balance. In response to your specific request, we have removed the telephone number ###-###-#### from our records. I appreciate this opportunity to respond to your concerns. You are a valued customer and I apologize for any inconvenience these matters may have caused you. If I could be of further assistance, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

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 father gave them the correct bank information over the phone. The companies representative didn't enter it into their system currently. This caused the issue with September's payment and October's payment.
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: July 14, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com regarding insurance coverage for your vehicle loan. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. Proof of full coverage vehicle insurance is required at the loan contract signing and throughout the life of the loan. As stated in your complaint, you cancelled comprehensive coverage on the vehicle that is held for collateral for the above referenced installment loan. I have enclosed a copy of the Retail Installment Sale Contract that you signed at the time the vehicle was purchased. According to section D of page two (2) of the contract, you agreed to maintain insurance covering loss or damage to the vehicle for the entire term of the contract. Also be advised that the contract does not state that we will send notices related to the loan to both borrowers. Notices sent regarding this installment loan will be mailed to the primary borrower at the address we have on file. According to your rebuttal, you claim that the vehicle held for collateral for this loan was repossessed and held in our possession fore January 2016 and February 2016. Our records indicate that the vehicle was not repossessed during that time. We, however, did repossess the vehicle on August 13, 2015, at which time your loan was ninety-four (94) days delinquent. On August 17, 2015, we received payment for amount due; the vehicle was released, and was redeemed from the agent on August 20, 2015. We have no record of any subsequent repossession after that time. According to our insurance center, your insurance policy for your vehicle was cancelled on December 16, 2015. Therefore, on December 28, 2015, January 25, 2016, and March 1, 2016, our insurance center mailed notification letters to the primary borrow at the address we had on file at the time to advise that we had not received proof of insurance coverage. I have enclosed copies of the letters sent for you review. Since we did not receive proof of insurance from either borrower, on March 16, 2016, force placed insurance costing $2,216.00 was added to your loan. Our insurance center contacted your insurance agent at [redacted] and was advised on March 30, 2016, a new policy was written with comprehensive coverage for the [redacted]. However, the effective date of the policy was May 24, 2016. Therefore, on May 27, 2016, our insurance center cancelled the insurance policy that was added to your loan and $1,250.00 was refunded back to your loan. When this insurance coverage was cancelled, your monthly payments were adjusted to $507.27 to pay for the coverage that was in place from December 16, 2015, until May 27, 2016. You should have received a new coupon book with the updated payment amount. If you have not received the new coupon book, please contact me at the phone numbers listed below and I will be happy to send out a new book. As of today, your loan is past due $1,228.78 since the payments made in April 2016 and May 2016 were not the full payment amounts. Please make a payment of $1,228.78 at your earliest convenience to bring your loan current and to avoid further collection proceedings. You may send the payment to me directly at: Fifth Third Bank Office of the President Attn: [redacted] 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 We appreciate the opportunity to review your additional concerns. You are a valued customer and we sincerely hope that you will continue using Fifth Third Bank for your financial needs in the future. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, [redacted] Office of the President Pc: Revdex.com Enclosures: Contract, Insurance notices

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] I have not here from 53th bank in a good way but I have done something for myself and getting your company involved was a good thing and they have taking me off the check system thing so now I can open up a account with the credit union. Thanks a lot for your Help to make things right with me and the check system company.