PROCORPSA

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. 
I spoke with the agent yet again today. They have faced again the policy delectation and the letter. The letter states that there was a computer error and the policy was in fact effective in March not May! 
Regards,
[redacted]

[redacted] Date: January 11, 2017 Account: [redacted] Re**rding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the follow up complaints you filed with the Consumer Financial Protection Bureau and the Revdex.com re**rding your installment loan. We appreciate the time you have taken to express your concerns re**rding this matter. The Bank received your original complaint filed with the Revdex.com on November 30, 2016. We have received a number of similar complaints re**rding your installment loan payments. We received your follow up Revdex.com complaint and Consumer Financial Protection Bureau complaint on January 4, 2017. However, we stand by the response conveyed to you in the previous letters sent on December 14, 2016, and December 28, 2016. I have enclosed a copy of our previous responses for your review. Our position on this matter has not changed. Please note your installment loan is a simple interest loan, with interest accruing daily on unpaid principal. When we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last payment. Then we apply the remaining funds to the unpaid principal balance. Your payment habits affect the amount of interest you pay over the life of the loan. If payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of your loan. Because less of your payments were applied to the principal balance, there may be a larger final payment due to additional accrued interest. Please find enclosed a copy of the payment breakdown we provided you with our response dated December 14, 2016. Included in this breakdown is your payment due date (the 12th of each month) and the date you made a complete loan payment. In addition, this breakdown provides you with the number of days your loan payment was past due, and the payment date satisfied by each payment. As you are aware, you made a [redacted] payment in the amount of $1,183.61 on November 28, 2016. Please use the below payment breakdown as verification that this payment satisfied your September, October and November 2016 installment loan payment. Please note the (*) indicates your [redacted] payment. Payment Due Date Date Paid 1 1/12/2016 2/1/2016 2 2/12/2016 2/26/2016 3 3/12/2016 3/29/2016 4 4/12/2016 5/4/2016 5 5/12/2016 6/6/2016 6 6/12/2016 8/2/2016 7 7/12/2016 9/20/2016 8 8/12/2016 10/25/2016 9* 9/12/2016 11/28/2016 10* 10/12/2016 11/28/2016 11* 11/12/2016 11/28/2016 12 12/12/2016 1/4/2017 13 1/12/2017 As indicated on the enclosed payment breakdown, the [redacted] payment posted to your installment loan as $1,049.04 toward principal, $108.80 in late charges, and $25.77 in interest. After receiving your [redacted] payment, your next payment was due on December 12, 2016. On December 5, 2016, the Bank received a partial payment for $154.15. This payment did not satisfy your full payment due December 12, 2016. The Bank did receive your payment of $430.00 on January 4, 2017. This payment combined with your December 5, 2016, payment to satisfy your payment due December 12, 2016. As of January 5, 2017, you currently owe $684.49 to bring your installment loan current. This amount includes your January 12, 2017, payment and the $269.90 in fees still owed on the account. Please note a portion ($15.33) of your January 4, 2017 payment has been applied as a partial payment toward your January 12, 2017 payment of $429.92. Therefore the amount owed is not a full monthly payment ($429.92) plus (+) the remaining fees ($269.90) which total $699.82. However, if you do not make a payment by the end of your grace period, January 27, 2017, you would owe $713.61. This amount would be the full January payment and $283.69 in late fees and repossession fees. During the life of an installment loan, we may offer eligible customers a delinquency extension if short term assistance is needed in re**rds to your monthly payment obli**tions. Please note that interest will still be assessed during the months that an extension is applied to your account. Any monthly payments that are related to an extension will be included with your final payoff amount due at the end of the loan term. Any unpaid interest will be due at the end of the loan term within a final payment notice that will automatically be generated and sent to the address we have on file for you. If you would like to discuss payment options, please contact the Borrower’s Assistance Department at ###-###-####, option 4. An agent is available to assist you, Monday through Friday, 8 a.m. to 5 p.m., ET. Thank you for your patience while we researched this matter for you. You are a valued customer, and we look forward to serving your financial needs in the future. If I could be of further assistance, please contact me toll free at ###-###-####, or directly at 513-358-2985, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Consumer Financial Protection Bureau Revdex.com Enclosures: Previous Response Letters Payment Breakdown

[redacted] Date: October 11, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com regarding the...

overdraft fees you received on your Essential 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 inconvenience this matter may have caused you. We have researched the issue surrounding the $185.00 in overdraft fees that you received on September 26, 2017, and have found that these fees were charged accurately. We regret the inconvenience this matter may have caused you, but as the customer, you are in the best position to know if items you have authorized, either by debit card, check, or electronic Automated Clearing House (ACH) payments, have cleared your checking account by utilizing a checkbook register. Due to no bank error being found in our research of this matter, we are unable to refund any additional overdraft fees charged to your account above the amount of the waiver you received on January 20, 2017. To clarify for future transactions, the Bank processes transactions at the end of each business day in the following order: ** Credits and deposits made prior to the end of day cutoff time ** ATM and debit card transactions in the order they took place ** All other debits, including checks and electronic bill payments, in the order of highest to lowest amount ** Fees and service charges Debit card and Automated Teller Machine (ATM) transactions are time-stamped debits and are pre-authorized at the time of use, and will show pending until they are posted. Because time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic ACH payments are batch debits that are not pre-authorized by us. These transactions do not include a time-stamp and will not show as pending during the day. Checks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized. Regarding the frustration you state you felt associated with the March insert to your statement which detailed the streamlined Overdraft Coverage which began on May 2, 2017, please know it was not our intention to cause you any hardship. I sincerely apologize for any misunderstanding which may have occurred associated with this communication, however the enclosed copy of this insert states that the updates included: More time to cover overdraft items –up to end of day. ** Deposits received through 11:59 p.m., including through mobile, ATM or transfers from another Fifth Third account will count toward overdraft calculations, extending the time you have to cover an overdraft. Note that check deposits are still subject to our Funds Availability Policy — up to $100.00 per day available for immediate use. Maximum number of overdraft fees cut in half. ** We are reducing the maximum number of overdraft fees you can be charged in one day from ten (10) to five (5). Simplified fee for using Overdraft Coverage. ** The fee for each overdraft (up to five (5) per day) will always be $37.00, regardless of the number of times you’ve overdrawn your account in the past. ** Remember, if your account is overdrawn by $5.00 or less at the end of the business day, there are no overdraft fees. Additionally, we never charge extended daily overdraft fees on consumer accounts. 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[redacted] Office of the President Pc: Revdex.com Enclosure: March Statement Insert

[redacted] 989 Deer Crossing Way Lexington KY 40509 Date: January 20, 2017 Account: [redacted] Regarding Your Identity Theft Claim Dear [redacted]: We received...

a copy of the complaint you submitted to the Revdex.com regarding your identity theft claim in relation to several Fifth Third Bank accounts opened in your name. We appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. To maintain the security of your personal and account information, I am sending this letter to the address we currently have on record for you. I noticed that the address you use in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your complaint. I encourage you to call customer service to make sure your contact information is properly updated. Customer service can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. Our Disputes Resolution Department and Bank Protection Department have investigated identity theft claims for the credit card accounts ending in [redacted], [redacted], and the installment loan ending in [redacted]. The claim for the account ending in [redacted] was approved. However, the claims for the account ending in [redacted] and the loan ending in [redacted] were denied because they determined that you had conducted the transactions. Our Disputes Resolution Department and Bank Protection Department have stated that you have not yet provided a copy of a police report showing that you were the victim of identity theft in relation to these accounts. In order to further investigate this matter, we will need you to provide us with a copy of the police report you filed. You may send this document to the following address: Fifth Third Bank Office of the President Attn Elizabeth D. 5050 Kingsley Drive MD 1MOCOP Cincinnati OH 45263 You may also fax this document to my attention at ###-###-####. Once we receive the requested documentation, we can further investigate this matter. Additionally, we show that there were multiple checking accounts opened in your name that have been charged off: [redacted] Opened 07/19/07 [redacted] Opened 07/19/07 [redacted] Opened 01/09/08 [redacted] Opened 05/16/15 You state in your complaint that all accounts with Fifth Third Bank were opened fraudulently. Please be sure that the police report you send to us reflects 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] Date: April 18, 2017 Account: [redacted] Regarding Your [redacted] Credit Card Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your attempts to...

access your [redacted] Credit Card at an Automated Teller Machine (ATM). 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 the difficulties you experienced while attempting to use your [redacted] Credit Card ending in [redacted] at an ATM. Please be assured that 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 conducting a thorough review, we determined that your Personal Identification Number (PIN) was not successfully reset when you first contacted the Bank because the previous bad PIN attempts were not properly cleared from your account before you reset your password. We deeply regret that we were unable to resolve your concerns when you first contacted the Bank. Our research also determined that your PIN was successfully reset when you visited the [redacted] Banking Center on April 7, 2017, and you were successfully able to access your [redacted] Credit Card at an ATM later that same day. It was certainly not our intention to cause you any hardship. However, we are unable to provide you with any compensation. 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

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. We are not trying to obtain anything other than just refunding all of the fees charged because of the business's  claim that it was a dormant account.  We know that those monies were retained by Fifth Third bank as a source of profit to the bank and we still believe that those monies should be returned to the rightful owner, even though their policies state otherwise. Under the circumstances,  a person of 88 years without internet skills should not be charged this fee for dormant account.  Other banks attempt to call, as well as write letters, to inform a customer that the account is approaching dormancy, which in this case, Fifth Third never did.  We have discussed this with other banks and found out Fifth Third has a reputation for profiting from various fees more than some other banks. Again, returning all of the approximately 1 1/2 years of dormant + monthly service fees totaling almost $300 would satisfy us completely.  We have now closed the account and, in the event that Fifth Third Bank sees fit to make an exception to their policy, and return these fees, we will gladly reopen the account and inform the Revdex.com that Fifth Third Bank responded fairly and  decided to refund these fees with a primary interest on customer satisfaction, even though, their monetary interests are best served by closely adhering to bank policy regarding dormant accounts.
Regards,
[redacted]

[redacted] Date: August 7, 2015 Regarding an Inquiry on Your Credit Bureau Report Dear [redacted]: Thank you for your follow up contact with Revdex.com concerning a credit inquiry processed by Fifth Third Bank. We appreciate the additional time you have taken to express your concerns regarding this matter. In our prior letter to you dated July 29, 2015, we included copies of the updates we sent to each of the credit reporting agencies requesting that the hard inquiry made by Fifth Third Bank on October 22, 2014 be changed to a soft pull. Please note, those requests were sent to the credit reporting agencies on July 27, 2015, and the process for the credit reporting agencies to complete the updating of that information can take up to thirty (30) days. The numbers to each of the credit reporting agencies are listed below for your convenience. [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-####   If I could be of further assistance to you, please call me at ###-###-#### or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Beth H. Office of the President

I took the documents ach stop payment documents from the companies that were drafting my account to the [redacted] branch. The branch or "Heather" refused to take the documents.  This was before I had to close my account.  Once I got someone on the phone who said it was a  simple fix  to just change the account number, that's when I closed the account.  Her name was Michele.  She said everything would stay the same, just different account.  No one told me before I closed this account that I could not have my account status as before free E Access.   I have the stop draft documents but I do not know how to upload to the computer and , this say's I have only thirty minutes to send or I could find a way.  This Heather and the gentleman at the branch were very rude to me when I tried to give them these documents.  Of course the bank is going to back their employee's that's what they do.  I used to work for ##### #####, so I know.  I tell you what I will do. I'll just put this out on Social Media like everybody else does and see what the public thinks.  I'll use names too.

[redacted] 
Date: October 31, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. On October 20, 2017, the beginning balance in your checking account was $46.58. On that day, three (3) electronic Automated Clearing House (ACH) payment items posted to your account totaling $101.45. Because there were insufficient funds in the account to pay two (2) of the items, the account was assessed two (2) overdraft fees totaling $74.00, that posted to the account the following day business day, October 23, 2017. The ending day balance in your checking account on October 20, 2017, was negative ($54.87). A copy of the Overdraft Notice we sent on October 23, 2017, is enclosed. On October 23, 2017, three (3) electronic deposits posted to your account totaling $339.56. Three card transactions totaling $97.56, plus the $74.00 in overdraft fees from the prior business day, posted to your account, resulting in an ending day positive balance of $113.13. In my previous response to you dated July 27, 2017, I explained that, since you made several attempts on our website to cancel your scheduled online bill payment of $45.00, which posted to your account on July 14, 2017, we decided to refund the $37.00 overdraft fee that posted to the account on July 18, 2017. On July 23, 2017, you attempted to make an Automated Teller Machine (ATM) deposit into your account to prevent the account from becoming further overdrawn. Since there was an issue with the ATM that you used, which prevented you from being able to deposit into your account, we decided to refund the $37.00 overdraft fee that posted to your account on July 25, 2017. Thank you for taking the time to speak with me on October 24, 2017. At that time, you stated that the $286.63 electronic deposit that posted to your account on October 23, 2017, was a payment from your employer that you requested on October 21, 2017. Since October 21, 2017, was not a business day, the deposit could not be posted to your account until the following business day, which is why the deposit did not post to your account until October 23, 2017. During our telephone conversation, I explained that, since you made a good faith effort to deposit into your account when you discovered that the account was overdrawn, I would reverse the overdraft fees totaling $74.00 that posted to your account on October 23, 2017. The overdraft fees were reversed and credited to your account on October 24, 2017. Please note that it is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. However, in the interest of customer service, and for the reasons provided in this letter, we have reversed $148.00 in overdraft fees over the past twelve (12) months, as a courtesy to you. Except in the case of a Bank error, any additional overdraft fee reversal requests over the next twelve (12) months will be declined. I also want to be sure that you are aware that Fifth Third offers alert services that provide you with information about your Fifth Third Bank Accounts, which can assist you with preventing future overdraft occurrences. You may sign up for a variety of alerts, including a text or email alert to notify you when your balance falls below a threshold that is comfortable for you. This real-time alert will notify you any time your debit card and Automated Teller Machine (ATM) transactions result in a balance lower than your designated alert threshold. Because checks and electronic payments are processed overnight, we cannot currently offer a real-time alert when your account becomes overdrawn. However, you can set up alerts to let you know when the balance reaches a specific amount you determine to allow you time to deposit additional funds before the account becomes overdrawn. For example, you could set up an alert to notify you when the balance reaches $20.00. You could then review the account activity to determine if all of your authorized transactions have posted, and if not, determine how much additional funds you will need to deposit to cover any outstanding items. You can also schedule an alert that notifies you when an overdraft notice is available to be viewed on our website. While this alert will not prevent an overdraft, it will allow you to correct the negative balance sooner, which can help prevent any additional overdraft charges from being assessed. For a list of the account alerts offered by the Bank, please visit the alerts section within online banking or our mobile app. 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: Overdraft Notice

[redacted]
[redacted]
[redacted]
[redacted]Date:          August 18, 2015Account:                [redacted]Regarding Your Recent InteractionsDear [redacted]:We received a copy of your complaint submitted to the Revdex.com regarding your recent interactions with the Bank. Please be assured that Fifth Third Bank takes your feedback seriously, and Iappreciate the time you have taken to communicate your continued thoughts and concerns on this matter.On behalf of the Bank, please accept my sincere apologies for any inaccuracies you feel were included in the previous response. We want you to know it was certainly not our intention to cause you any difficulties or frustration surrounding this matter.We regret the confusion surrounding this issue, but as stated in our letter dated July 30, 2015, the check that was deposited into your checking account ending in [redacted] for $819.50 at a Fifth Third Bank ATM on July 21, 2015, was held due to the age of the account. This hold was on your account from the date of the deposit review, July 22, 2015, and was released after a seven business day hold. A business day is defined as Monday through Friday, excluding Federal holidays. It has been verified that the hold was removed and the funds were available to you on August 1, 2015.As previously communicated, 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. ATM deposits received after the cut-off time of 7:00 PM EST (Eastern Standard Time) will be treated as deposited on the next business day. Our previous response to you with further detail is included with this correspondence.I apologize that you are unhappy we are unable to specifically address your interactions with the sales staff at the Lombard-Downtown banking center. As stated previously, due to your indication that your discussions during visit were not completely in your best interest we are looking into this portion of the matter further. Please be advised that Case # C1507617289 has been opened with our Fraud Detection Department to investigate the matter. They will submit any necessary updates, if applicable, when their review is complete.While we strive to resolve all investigations as quickly as possible, please allow up to sixty (60) days for these updates to be submitted. Final written confirmation will be sent to you from the Fraud Detection Department. If you would like to follow up with them directly, they can be reached toll-free at ###-###-####, Monday through Friday: 8:00 a.m. to 6:00 p.m., ET. It was certainly not our intention to cause you any hardship either at the branch location or with our prior response. Please be assured that in addition to opening an investigation, we have researched this matter fully, and appreciate your feedback as it assists us in identifying problems and continuously improving on the level of service we provide to our customers. However, I cannot inform you of specific internal correction actions that may be taken to resolve this matter.Regarding your other complaints mentioned involving your boyfriend’s account, we stand by our previous response in which we regret the experience had at the Lombard-Downtown banking center, but are regrettably unable to research this issue further without discussing the matter with him directly as the account holder. This is an attempt at avoiding fraud or information exposure. I’m sorry for any inconvenience this causes either of you. If he chooses to reach out to me he may contact me at the phone number below, or may send the information to the following address:Fifth Third BankOffice of the President Attn: Sarah S.[redacted]Alternatively, you may fax this information to my attention at ###-###-####.To avoid further frustration on your part while trying to obtain the $150.00 bonus as part of the [redacted] new account marketing promotion I spoke to a representative at the Lombard-Downtown banking center for details since that is where you opened the account. I verified with them that your account needs to have a direct deposit and three (3) online bill payments made using Fifth Third’s Online BillPay on 53.com within the first ninety (90) days of the account being open to qualify for the bonus. Once these stipulations have been met, the funds will be deposited in your new account within six (6) weeks. I have included a copy of the promotional flyer for this offer for your reference.Please accept my further apologies regarding your phone conversation with our customer service staff. You certainly have the choice of visiting any Fifth Third Bank location convenient to you rather than continue doing business at the Lombard-Downtown banking center. Please be assured that your complaint has been escalated to the highest level within the Bank, and has been researched fully. 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.Ms. Loveday, I appreciate this opportunity to further address your concerns and thank you for your patience while waiting for a response. If I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ETSincerely,Sarah S.Office of the PresidentEnclosure: Previous Response[redacted] Promotion Information

[redacted] Date: January 16, 2018 Account: [redacted] Regarding Your [redacted] Account Dear [redacted]: We received a copy of your complaint filed with the [redacted] ([redacted]) and Better...

Business Bureau (Revdex.com) regarding your credit card 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 the frustration you experienced regarding this matter. We received a $250.00 payment for your credit card account on December 26, 2017. There was no outstanding balance owed on the credit card account; therefore, the account became overpaid by $250.00. Fifth Third Bank policy requires that we wait ten (10) business days before the overpayment can be returned. This is done to ensure that the payment is not returned unpaid after we have already issued a refund. I am sorry for the dissatisfaction this has caused you. Please note that January 1, 2018, was the Federal Holiday for New Year’s Day. As a result, January 1, 2018, was not a business day. The tenth (10th) business day after your payment was January 10, 2018. Please be assured that on January 11, 2018, we removed the $250.00 overpayment from the credit card and sent it back to you in the form of a check to the address listed above. If you do not receive the check by January 25, 2018, please call me using my phone number listed below. We have also closed the credit card per your request. As of January 12, 2018, the account is closed with no balance owed. 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: [redacted], Revdex.com

[redacted] Date: September 22, 2016 Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Business Checking Accounts Dear [redacted]: We received a copy of the follow up complaint filed with the Revdex.com (Revdex.com), concerning your Fifth Third business checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We received your original complaint filed with the Revdex.com on May 14, 2015. We received your most recent complaint on September 16, 2016. For your records and convenience I have enclosed our prior responses dated May 27, 2015, June 9, 2015, June 25, 2015, July 2, 2015, October 2, 2015, December 29, 2015, January 15, 2016, and April 13, 2016. Please note unless you are able to provide new information regarding this matter, we will not be respond to future complaints regarding your disputed transactions. Upon receiving your most recent complaint, we contacted the Dispute Resolution Department who confirmed your dispute cases ([redacted] and [redacted]) have been closed. Please find enclosed the two (2) denial letters mailed to you on March 24, 2016 and July 25, 2016. Both notices state you will need to contact the merchant [redacted] Inc. in order to resolve your disputes. Unfortunately, the activity in your business checking accounts exceeded the Bank’s Risk tolerance and your accounts ending in [redacted] and [redacted] were closed on March 2, 2016. Your third (3rd) business checking account ending in [redacted] was closed on March 4, 2016. We appreciate your patience while we researched this matter. 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 Enclosures: Prior Responses, Dispute Denial Letters

Please find below the text  of the letter and a listing of enclosures being mailed to the customer. Thank you. [redacted] Date: February 15, 2017 Account: [redacted] Regarding Your Fifth Third Bank...

Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your vehicle installment loan. We appreciate the time you have taken to express your concerns regarding this matter. Enclosed please find copies of your loan payment history and note. If after you review the enclosed documents you find that the account is incorrect, please forward details regarding the incorrect information to the following address: Fifth Third Bank 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. Please refer to page two (2) of your security agreement which provides you with information regarding late payments to your installment loan. Specifically, item fifteen (15) defines default as: ** You do not make any payment on or before it is due; ** You do not keep any promise you made in this Agreement; ** You do not keep any promise you made to us in another contract, note, loan or agreement with us; ** You made any untrue statement in the credit application for this Agreement; ** You committed any forgery in connection with this agreement; ** You die, are convicted of a crime involving fraud or dishonesty, or are found by a court with jurisdiction to do so to be incapacitated; ** You file bankruptcy or insolvency proceedings, or anyone files bankruptcy or insolvency proceedings against you; ** You take the Vehicle outside the United States or Canada without our written consent; ** You use the Vehicle or Allow someone else to use it in a way that causes it not to be covered by your insurance; ** You do something that causes the Vehicle to be subject to confiscation by government authorities; ** The Vehicle is lost, stolen, destroyed or damaged beyond economical repair, and not fixed or found within a reasonable time; or ** Another creditor tries to take the Vehicle or your money on deposit with us by legal process. Furthermore, section sixteen (16) item b states: REPOSSESSION: We can repossess the Vehicle, unless prohibited by law. We can do this ourselves, have a qualified person do it for us, or have a government official (by replevin) do it for us. You agree that we can peaceably come on to your property to do this. We may take any other things found in the Vehicle, but will return these thing to you if you ask. If you want these things back, you agree to ask us in a letter sent to us by certified mail within 24 hours. If you do not send us this letter, you give up any claim to these things. You agree that we may use your license plates in repossessing the Vehicle and taking it to a place for storage. For your convenience and review, we have enclosed a payment breakdown detailing the late payments on your installment loan. Our review of the payment history determined that the installment loan was approved for Repossession on January 4, 2016. On January 4, 2016, your installment loan was due for the October 30, 2015, payment. This made your installment loan sixty-six (66) days past due at the time of approval to repossess your vehicle. The Bank acted within the terms of your security agreement in attempting to repossess your vehicle. As noted on the enclosed payment breakdown, you made a $1,200.00 payment on March 16, 2016. This payment satisfied four (4) regular payments. The payment satisfied your November 30, 2015 payment (107 days late), your December 30, 2015 payment (77 days late), your January 30, 2016 payment (46 days late) and your February 29, 2016 payment (16 days late). On April 1, 2016, a $355.00 repossession fee was assessed to your installment loan. Your loan was sent to our repossession vendor who received the fee for getting a positive resolution to your repossess order. Specifically, the fee was provided to the vendor when you brought your loan current. On July 5, 2016, your installment loan was referred for repossession a second time. At the time of the repossession referral, your installment loan was sixty-five (65) days past due. As you are aware, on August 25, 2016, your vehicle was repossessed. At the time of repossession, your installment loan was one hundred seventeen (117) days delinquent. On August 26, 2016, you made a $500.00 payment which satisfied your payments due April 30, 2016, and May 30, 2016. On August 27, 2016, you made a $999.00 payment which satisfied your payments due June 30, 2016, July 20, 2016, and August 30, 2016. It should be noted, your late fees and repossession fees on August 27, 2016, totaled $931.25. In addition to your monthly payments $486.78 of your payment were applied to the repossession fee assessed on April 1, 2016, and late fees. There were $444.47 in late fees still due on your account. On September 16, 2016, a $350.00 repossession fee was assessed to your installment loan. This fee was assessed to pay the repossession company that was able to secure your vehicle on August 25, 2016. Our review of the payment history and fees assessed to your installment loan determined no Bank error. We are unwilling to reverse any of the fees assessed to your installment loan. As of February 13, 2017, the amount required to bring your installment loan current is $1,234.96. This amount includes: Past Due Amount $ 315.18 Repossession Fee $ 335.03 Late Charges $ 495.99 February 30, 2017 payment $ 315.18 Total: $1,461.38 (-) Partial Payment -$ 226.42 Total Due: $1,234.96 We have confirmed with the Collections Department that your installment loan does not qualify for hardship assistance at this time. However, if you would like to discuss any changes to your ability to make loan payments please contact our Borrower’s Assistance Department at ###-###-####, option 4. A representative is available, Monday through Friday, 8 a.m. to 5. p.m., ET. Thank you for your patience while we researched this matter for you. You are a valued customer, and we look forward to serving your financial needs in the future. If I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Note Payment History Payment Breakdown

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 have faxed a copy of bill with reconnect fees and all they keep doing is sending me letters asking for the same document. They not attempting to resolve issue.
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. 
Hi,
Prior to opening the account I asked what the requirements were and was told I needed 5 debit transactions and a $5000 deposit by the end of the 2nd statement closing. I asked multiple times if I would receive the bonus and was told "yes, you've met the requirements and need to wait until 60 days had elapsed" If someone told me I needed a $5000 average daily balance instead, I could have easily deposited $100k to bring my average balance up. But since I was told to just wait until the time had elapsed to receive the bonus, I did no such thing. As a brand new Fifth Third customer who was looking to build a long term business banking relationship, this really puts a bad taste in my mouth and I'm reconsidering that relationship completely. I would hope you'll still honor the bonus as a goodwill gesture and to facilitate a long-term relationship with Fifth Third, especially  since the confusion was generated by Fifth Third.
Regards,[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], I am not going to pursue this matter further.  The bank's response was much the same as what they told me directly, full of twisted truths and flat out falsities.  They continue to say I was not enrolled in auto-pay (I was), because that absolves them of any accountability.At any rate, I appreciate your efforts in this matter Revdex.com.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
Regards,
[redacted]
I dont' understand how 5th 3rd Bank had all my contact information, i.e. phone numbers, addresses both in ** and **. and they never called before encheating my money to the state of **. My parents were both on hospice in ** and I informed the bank I was at their home taking care of them. 5th 3rd told me they sent many letters out to inform me my money was going to be encheated d/t domant acct. If I would have received these letters, no one in their right mind would not respond. I feel the bank should have sent the letter out via certified mail. It's unbelieveable to me what happened. Sincerely, [redacted]

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.  Fifth Third Bank went above & beyond to resolve my issue.  Please consider this matter complete.
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: December 21, 2015 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. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your installment loan. It was certainly not our intention to cause you any hardship. 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 understand your concerns about the collection calls you received. Our Collection Department begins making calls to customers when a payment is not received by the due date. They are a failsafe Fifth Third 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. They are certainly not intended to cause you any hardship or frustration. Although we were able to confirm the receipt of your Auto BillPayer enrollment form, it may take up to three (3) weeks to complete the enrollment process before the first payment is scheduled. We have confirmed with the Auto BillPayer Department that the first payment is scheduled for January 7, 2016, in the amount of $193.48. I apologize for any misinformation you may have received when calling the Bank. In addition, we received a payment on December 14, 2015, in the amount of $193.48, which satisfied the payment due for December 7, 2015. Because the account has a ten (10) day grace period for the payment to be received, please be assured there were no late charges assessed to the account or negative credit reporting. 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, April Q. Office of the President Pc: Revdex.com