Fifth Third Bank

FIFTH THIRD BANK
September 30,
2014
[redacted]
[redacted]
Re: Checking Account xxxxxx[redacted] Credit Card
xxxxxxxxxxxx[redacted]
Dear Ms. [redacted],
We received the complaint you filed with the
Revdex.com regarding the service you received when...

contacting
Customer Service. We appreciate the time you have taken to express your thoughts regarding this matter.
Your comments expressing less than quality
customer service are very concerning. We strive to provide professional service
to our customers and I regret if this is not the level of service you received.
Please be assured that we have passed along your comments to the appropriate
parties in order to be fully addressed. We sincerely apologize for any
frustration this may have caused you.
In your complaint, you referenced the charging
of monthly service fees. In reviewing your [redacted] accounts, a checking account
and a credit card account, I was unable to locate that you were charged any
monthly service fees during the previous [redacted] statements. I have enclosed
copies of these statements for your review. If you have monthly service fees
that you would like more information regarding, please contact me at the number
listed below so that we are able to further research.
We try to balance providing you with a product
that meets all of your needs while also protecting you as well as the Bank from
significant fraud losses. Please be assured that we take every precaution to
minimize your inconvenience while minimizing your fraud exposure. We advise
customers that are traveling to call Customer Service to inform the Bank of
their trip. I apologize if you were not satisfied with the service you received
during these interactions.
We appreciate your feedback regarding this
matter as it assists us in improving the level of service that we provide to
our customers. If I could be of further assistance, please call me at [redacted]
[redacted]
[redacted]
Consumer
Resolution Specialist Office of the President
Pc: RevDex.com
Enclosure:
Statements

[redacted] Date: March 15, 2016 Accounts: [redacted] Regarding Your Identity Alert and Basic Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

concerning your Basic Checking account and the Identity Alert service. We appreciate the time you have taken to document your thoughts and concerns. We completed a review of the Basic Checking account ending in [redacted]. Our review determined that the account was opened on August 18, 2015, but the deposit to fund the account was not made. On November 11, 2015, the account was closed and charged off with a negative account balance of ($200.00). Because the account was never funded, we have removed the reporting from [redacted]. I apologize for any difficulties you experienced when attempting to resolve this matter. 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

Please see attached documentation showing that I had sufficient funds. I also have issues with the automatic bill payer program, please have Fifth Third contact me. Thank you.

[redacted] Date: June 21, 2016 Account: [redacted] Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loans Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com regarding your mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. Your original complaint was filed on May 25, 2016. We received your follow up complaint on June 14, 2016. However, we stand by the response conveyed to you in the previous letter sent on June 13, 2016. I have enclosed a copy of our prior correspondence for your review. Our position on this matter has not changed. As mentioned in our original response, an escrow account was established for the mortgage loan ending in [redacted]. The initial escrow disclosure indicated the first scheduled escrow disbursements as follows: ** A disbursement for [redacted] on July 1, 2016, in the amount of $1,087.46 ** A disbursement for [redacted] on November 1, 2015, in the amount of $1,627.00 On June 16, 2015, the Bank received and posted your mortgage payment of $924.70 to your mortgage loan ending in [redacted]. After processing this payment, the principal balance on your mortgage loan was $130,480.74 and your escrow balance was $2,035.86. On June 25, 2015, the Bank processed a payoff request as part of your internal refinance. I have enclosed a copy of the payoff quote for your records. It should be noted, because this was an internal refinance, the escrow account balance was deducted from your payoff amount. The payoff amount as of June 25, 2015, was $128,996.15, with interest accruing at $15.64 per day. The payoff quote was good until July 5, 2015. The Bank placed a hold on your mortgage loan for the duration of the payoff quote. The reason for this hold is to ensure no payments are made from your escrow account, which could result in an escrow shortage. As mentioned on page two (2) of your payoff quote: Escrow may continue to be disbursed until a payoff is received. Escrow balances may not be deducted from the payoff amount unless so noted on this quote. If the remittance is less than the amount required to payoff the total amount due, we will deduct the deficiency from the escrow account. If there is no escrow account or insufficient funds in the escrow account, the payoff cannot be processed until the deficiency is received. The Bank did not receive your payoff by July 5, 2015. On July 7, 2015, the Bank issued a check from your escrow account to pay your [redacted]. The amount of the check was $1,240.90. The remaining balance in your escrow account was $794.96. On August 5, 2015, the Bank mailed you the enclosed letter titled Important Information about your Mortgage Escrow Account. Please use this letter as verification that your homeowner’s [redacted] was paid from this escrow account.  On July 10, 2015, the Bank received and processed your $129,061.35 payment to pay off your mortgage loan. It should be noted, the escrow payment on July 7, 2015, resulted in a shortage on the payoff amount for your loan ending in [redacted]. The escrow shortage amount was -$1,225.26. On July 16, 2015, the Bank was notified that the [redacted] payment would be returned; therefore, the Bank processed a $1,240.90 credit to your mortgage loan ending in [redacted]. This credit satisfied the payoff shortage, and a check for $15.64 was mailed to you on July 20, 2015. This check resulted in a zero ($0.00) balance in your mortgage loan ending in [redacted]. Enclosed please find a copy of the HUD settlement statement for your internal refinance. Please note page two (2) which indicates a payment of $1,087.46 was collected by the title company. This payment did not satisfy the full premium for your homeowner’s [redacted]. Our research confirmed that your [redacted] provider, [redacted], received three (3) payments for your 2015-2016 policy term. [redacted] confirmed the $1,087.46 payment was applied to your auto [redacted] policy, and on August 12, 2015, they issued a refund check in the amount of $549.41 to you. As mentioned in paragraph three (3) of this letter, the Initial Escrow Statement for your new mortgage loan ending in [redacted], did not account for a payment to your homeowner’s [redacted] in 2015. However, as mentioned above, the payment collected at your loan closing was not enough to satisfy your homeowner’s [redacted] premium. Therefore, a payment from your escrow account was sent on July 10, 2015, to pay your homeowner’s [redacted]. This payment satisfied your homeowner’s [redacted] premium. On August 21, 2015, [redacted] provided a refund for the overpayment of your [redacted] in the amount of $1,240.90. This refund incorrectly posted to the mortgage loan ending in [redacted]. On October 7, 2015, the funds were transferred to offset the credit previously provided to your mortgage loan ending in [redacted]. I hope this correspondence cleared up any outstanding questions you had related to this issue. We truly value your business, and we look forward to continuing our banking relationship with you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Prior Response, Payoff Quote, Escrow Letter, HUD

[redacted]Date: August 26, 2015Account:       [redacted]Regarding Your Installment Loan PaymentDear [redacted]:We received a copy of your complaint submitted to the Revdex.com concerning how your...

payment has been applied on your installment loan. 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 thoroughly researched the issue surrounding your last two payments posting incorrectly with $305.62 processing as the regular payment, and $94.38 processing as a curtailment. In addition to the matter most at hand, we regret any confusion this verbiage has caused. To provide clarification, a curtailment is a payment above and beyond the regular monthly payment that can also be referred to as a principal only payment. Additionally, I want you to know that customer feedback such as yours is reviewed with our senior and executive management as part of our ongoing commitment to improving our operations.Our research regarding your payments determined that the regular payment portion set in the reoccurring transfer appear to have inadvertently been set as $305.62 rather than the $385.66 it was likely intended to be. Upon review of your scheduled transfers, it appears that this has been cancelled going forward. If you choose to reschedule the automatic transfer for $400.00, please be sure to double check the amount set for the regular payment portion to avoid future issues of this sort.You may also want to consider enrolling in Auto BillPayer as a convenient alternative to either mailing in or transferring your monthly payment via 53.com. Auto BillPayer will automatically transfer your monthly payment from your Fifth Third Bank checking account to your installment loan at no additional charge. Auto BillPayer makes your total installment loan payment on time each month, preventing the added cost of a late charge. If you are interested in enrolling in Auto BillPayer, please contact Auto BillPayer toll free at ###-###-####, Monday through Friday, 8 a.m. to 5 p.m., ET.I want to assure you that we have verified no late marks were showing on your credit report by performing soft pulls to all three of the major credit bureaus. If you have any issues regarding this matter, please feel free to reach out to me directly.[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 call me 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

January 21, 2015
 
 
 
[redacted]
[redacted]
[redacted]
 
 
Re: Checking Account XXXXXX[redacted]
 
 
Dear [redacted]:
 
We received a copy of your complaint filed with the Better Business...

Bureau, concerning your account with Fifth Third Bank. We appreciate the time you have taken to bring this matter to our attention.
 
We would like to offer our sincere apologies for any inconvenience this matter may have caused you. We sympathize with the difficulties you have encountered with your account.
 
We have removed any notation of the charged off checking account from our system. This account is no longer being been reported to [redacted]. You will receive no further communication from the Bank or [redacted] Management in reference to collection of this account. This account has not been reported to [redacted] or any of your credit bureaus. We hope that this letter will meet your satisfaction.
 
We appreciate your feedback as it assists us in identifying problems and allows us to improve the level of service we provide to our customers. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction. If I could be of further assistance to you please call me at ###-###-####, or toll free at ###-###-####.
 
Sincerely,
[redacted]
Consumer Resolution Specialist
Office of the President

October 28, 2014 [redacted] 
[redacted] Re: Promotional Mailings Dear Ms. [redacted], We received a copy of the complaint you submitted to the Revdex.com regarding the promotional mailings you have received from Fifth...

Third Bank. 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. As you requested, we removed your name and information from the lists we use to generate promotional mailings. I am sorry you were not removed from our mailing lists when you previously contacted the Bank. Please be aware that some mailing lists are compiled up to three (3) months in advance, so there is the possibility that you could receive some promotional mailings in the near future that were generated prior to the removal of your name and information. I hope this letter meets your satisfaction and resolves your needs. Ms. [redacted], thank you for your patience while waiting on a response. If I could be of further assistance to you, please contact me directly at [redacted] Sincerely, [redacted] Senior Consumer Resolution Specialist Office of the President Pc: Revdex.com?

January
26, 2015 [redacted]Re: Business Checking Account [redacted]Dear
[redacted]: We
received a copy of your complaint filed with the Revdex.com,
concerning your account with Fifth Third Bank. We appreciate the time you have
taken to bring...

this matter to our attention. We
would like to offer our sincere apologies for any inconvenience this matter may
have caused you, and we sympathize with the difficulties you have encountered
with your account.  We strive to provide professional and accurate service to
our customers, and we regret that the service you received from the [redacted]
Financial Center did not meet the same high standard. I want you to know that I have already taken action on your
feedback, and I have shared the concerns you brought to our attention with the Senior Management
in your region. Additionally, customer feedback is
reviewed by our Senior Management as part of our ongoing commitment to improving
our customers’ satisfaction.The
account closure fee of $[redacted] is disclosed to customers in the Rules and
Regulations Applicable to All Fifth Third Consumer and Business Banking
Accounts and Cards booklet. You should have received a copy of Rules and
Regulations upon opening your account. For your review, I have enclosed a copy
of our Rules and Regulations; page five (5) provides additional information
regarding the fees associated with business accounts.In
the interest of customer service, the [redacted]
Financial Center is willing to waive the account closure fee of $[redacted].
Once all of the pending debit card transactions have posted to your checking
account ending in [redacted], you may visit the [redacted]
Financial Center to close the account. We hope that this letter will meet your satisfaction. Please
be assured that it was not our intention to cause you any hardship and we
regret you feel the need to close your account. You are a valued customer and
we sincerely hope you will reconsider this decision. If I could be of further
assistance to you please call me at [redacted] Sincerely, [redacted] Consumer
Resolution Specialist Office
of the President

Regarding [redacted] rebuttal: We believe we have addressed her concerns in our prior two responses (attached).  I have also attached the customer’s own dispute document for the Revdex.com review.  The customer has not provided any new information. Unfortunately, this is a civil matter between [redacted] and her attorney. The Bank has no dispute rights in this scenario. Customer received service from the attorney. Pat S.Customer Care Team SpecialistFifth Third Bank | Office of the President[redacted]

[redacted] [redacted] [redacted] Date: April 11, 2017 Account: [redacted] Regarding Your Vehicle Lien Release Dear [redacted]: We received a copy of the complaint that you submitted to the Revdex.com regarding the...

lien release for the vehicle securing your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. During our research, we confirmed that we mailed the lien release for the [redacted] to [redacted] on March 13, 2017, March 30, 2017, and April 7, 2017. The lien release was mailed to the following address: [redacted] [redacted] [redacted] On April 11, 2017, our Collateral Department spoke directly with an employee at Premier Source Credit Union and verified that the lien release was mailed to the correct address. The employee at Premier Source Credit Union informed our Collateral Department that they would order a duplicate title once they receive the lien release. If [redacted] does not receive the lien release, please contact me immediately at either number below. I verified that [redacted] requires the original lien release, so we are not able to fax it to [redacted]. Thank you for your patience while we conducted our research. 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: March 22, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com regarding the collection calls you received and the service provided at one of our banking centers. We appreciate the time you have taken to document your additional thoughts and concerns. I would like to again apologize for the inconvenience these phone calls may have caused you and your wife. Please understand that calls are made within the grace period in order to help customers avoid late fees or delinquent credit reporting. It was certainly not our intention to cause you any frustration. Please be assured that we attempted to review the collections calls made to you and your wife for this installment loan. Our records indicate that we have not made recent collections calls related to this installment loan. The last collection call made was in March 2015 and we are unable to retain collection call recordings from a year ago. On February 16, 2016, we received a check in the amount of $1,483.21 made payable to Fifth Third Bank. This check was applied to your vehicle loan and served as a full payoff of the loan in which the [redacted] was held for collateral. This payoff payment was applied to your loan and on February 16, 2016, your installment loan was closed. Since that time, you should have received the enclosed closure letter confirming that your loan has been paid off in full. I have also enclosed a copy of the Release of Lien – Termination Statement that shows our lien was released on your vehicle on February 16, 2016. Thank you for your patience while waiting for a response, and we sympathize with the difficulties you encountered regarding your loan. You were a valued customer and we look forward to servicing your financial needs in the future. If I could be of further assistance to you please contact me directly at (513) 358-2980, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., EST. Sincerely, Lisa S. Office of the President Pc: Revdex.com Enclosure: Release of Lien – Termination Statement, Closure letter

[redacted]Date: August 19, 2015Account:           [redacted]Regarding Your Checking AccountDear [redacted]:We received a copy of the complaint filed with the Revdex.com regarding your checking account....

We appreciate the time you have taken to document your concerns regarding this matter.On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. It was certainly not our intention to cause you any frustration or undue hardship. We strive to provide professional and accurate information to our customers, and I am sorry if that has not been your experience.Overdraft protection automatically transfers funds from a Fifth Third Bank savings account, credit card, or equity line to cover items that overdraw your checking account. With overdraft protection, we charge a transfer fee of $12.00 for each transfer versus an overdraft fee of $25.00 or $37.00 for each posted item that overdraws your account. Please be aware that overdraft protection will cover all types of transactions when the available checking account balance is insufficient.In contrast to overdraft protection, some of our deposit accounts have overdraft coverage for ATM (Automated Teller Machine) transactions and one-time debit card transactions. Overdraft coverage allows a customer to access funds beyond the balance in their account for emergency cash needs. According to Federal Regulations, customers have the option to choose whether to continue having overdraft coverage on their checking account. Overdraft coverage may be declined verbally by calling our Consumer Contact Center at ###-###-####, or visiting one of our local Banking Centers, or via our Internet Banking at www.53.com. After further review of your checking account, we confirmed that you accepted overdraft coverage via our Internet Banking on June 18, 2010, at 11:06 a.m. EST.If the available balance in your checking account is not sufficient to cover items that post and there is an insufficient available balance in your ready reserve account, the posted items may be returned unpaid and subject to overdraft fees. The per item overdraft fee is based on the number of occurrences in the last twelve (12) months. For the first occurrence, you will be charged $25.00 per item. For any additional occurrence, the charge is $37.00 per item. Should the account become overdrawn, we also send an overdraft notice via standard mail to inform you of the occurrence, which includes a detailed breakdown of the day’s transactions. I have enclosed a copy of our Rules & Regulations handbook that you received and agreed to when signing a signature card to open the checking account. Pages 2, 11, and 12 provide additional information regarding overdraft and the related fees.On July 27, 2015, your account balance in your checking account was positive $34.57. One (1) item in the amount of $71.96 posted to your account. Although you had overdraft protection, there were insufficient available funds on your Ready Reserve account ending in 6207 to cover the item presented. Therefore, your ending balance in your checking account was negative ($37.39). Due to insufficient funds, we assessed one (1) overdraft fee of $37.00 to your account the following business day.On July 29, 2015, your account balance was negative ($74.39). Two (2) items totaling $45.02 posted to your account. Your ending account balance was negative ($119.41). Two (2) overdraft fees of $37.00 each posted to your account the following day.On August 4, 2015, your account balance was negative ($193.41). You had a debit in the amount of $36.07 post to your account. Due to insufficient funds, one (1) overdraft fee of $37.00 posted to your account the next day.On August 5, 2015, your account balance was negative ($229.48). One (1) transaction for $4.98 posted to your account. Your account balance was negative ($271.46). Since you did not have enough funds to cover this transaction, your account was charged an overdraft fee of $37.00 the following day.It is important to ensure that your account has enough funds to cover all of the transactions you have authorized. However, in the interest of customer service, on August 12, 2015, $74.00 of the overdraft fees charged to your account were waived. You will see the credit to your account on your next statement.We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this matter may have caused your client. 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 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 PresidentPc: Revdex.comEnclosure: Rules and Regulations

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.There were no messages or documents attached to the response that I received from Fifth and Third Bank.  The response was blank and did not contain any information for me to review.  Therefor, I do not agree with their response and they did not resolve my complaint.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[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. 
Regards,
[redacted]

[redacted] Date: October 23, 2015 Account: [redacted] Regarding Equity FlexLine Account for [redacted] Dear [redacted]: We received a copy of your follow up complaint submitted to the Revdex.com, regarding your Power Of Attorney (POA) for [redacted] Equity FlexLine account. We appreciate the time you have taken to document additional your thoughts and concerns regarding this matter. Although you state that your mother does not remember revoking your POA, we were provided with a letter bearing [redacted] signature that revoked your POA effective March 17, 2015. Therefore, we are not able to share any details with you concerning your mother’s Equity FlexLine or recent address changes made on her behalf. If you are able to provide us with updated documentation showing you as POA, we would be more than happy to assist you at that time. In addition, at Fifth Third Bank we are committed to doing what is right for our customers and this commitment includes our fair and responsible lending practices. On September 28, 2015, Fifth Third Bank entered into an agreement with the government to settle two consumer protection matters. These matters impacted a limited number of customers, many of whom have already been reimbursed. Please be assured that Fifth Third Bank has put safeguards in place to avoid future issues. However, we are unable to provide you with any details regarding the settlement at this time. [redacted], we apologize for any inconvenience this situation 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, Danielle S. Office of the President

[redacted] Date: April 15, 2016 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com (Revdex.com), regarding your...

installment loan. We appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that our senior and executive management teams review customer feedback as part of our ongoing commitment to improving our customers’ satisfaction. On March 15, 2016, the Bank received and processed your installment loan payment for $30,000.00. This payment satisfied the amount owed on your installment loan. The Bank sent you a paid in full letter, which I have enclosed for your records and convenience. Because [redacted] is an electronic title state, the State automatically releases our lien when an account is paid in full. Additionally, [redacted] prints and sends a title lien free directly to you. Because the Bank’s lien has been released from the vehicle, we are not able to file for a duplicate title on your behalf. You will need to contact the state title office for a duplicate title. It was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matter. You are a valued customer and we hope you will allow us to serve your financial needs in the future. If I could be of further assistance to you please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Paid In Full Letter

November 21, 2013[redacted]Re: Automatic Teller Deposit Dear Mr. [redacted], We received a copy of your complaint filed with the Revdex.com, concerning your ATM (Automated Teller Machine) deposit. We appreciate the time you have taken to express...

your concerns regarding this matter. Your comments expressing less than quality service are very concerning and have been addressed and forwarded to the appropriate personnel. When a customer contacts the Bank we expect each situation will be handled in a professional manner. I do apologize that this was not what happened when you initially contacted the [redacted] Financial Center and we expect that this will not be the case in the future.Our records show that you attempted to deposit a check made payable to [redacted] through an image ATM on October 30, 2014 into your personal checking account. The image ATM recognized this item as a third party check, because the name on the check was not an exact match to the names listed on your personal checking account. When a third party check exceeding $[redacted]is deposited into an image ATM, they are deemed non-negotiable. A legal copy of the third party check, known as an image replacement document (IRD), was mailed to you at the address on file for the account. The original third party check deposited into the image ATM was sent directly to our Central Deposit Review Department to be destroyed. I apologize that this was not properly communicated to you by the staff at the [redacted] Financial Center. Our records show that you deposited the IRD into your business checking account on November 6, 2014. I understand your frustration when this situation occurred, and I am sorry for any inconvenience this matter may have caused you.We thank you for this opportunity to respond to your concerns. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to either of you, please call me directly at [redacted]Sincerely, [redacted]Consumer Resolution Specialist Office of the President Pc: Revdex.com

[redacted] 2551 Lyrmfield Rd. Memphis, TN 38119RE: Installment Loan [redacted]Dear [redacted]:Thank you for the letter you sent to the Revdex.com regarding your vehicle 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 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.Please note that the Bank does not have any record of a letter you sent on December 5, 2014, regarding payment arrangements for your vehicle installment loan ending in [redacted]. If you have a copy of the letter please send it to the following address:Fifth Third BankOffice of the President Attn: [redacted] Drive Mail Drop: [redacted]Alternatively, the requested letter can be faxed to my attention at: ###-###-####.Our records do not show a Fifth Third Bank employee with either the first or last name of [redacted]. Our records also do not show an employee with an employee II) of [redacted]If you are having difficulty making your loan payments, the Bank has ways to help you. Please see the enclosed Auto Assistance paperwork. Please note also that you may call ###-###-#### if you have questions about this paperwork or would like to explore other payment options that may be available to you.Please be aware the information provided to the credit reporting agencies by Fifth Third is accurate. We regret any frustration this may cause you; however, the Bank is required to report accurate information to the credit reporting agencies and we are unable to correct any prior negative credit reporting.As indicated in the enclosed installment loan note that you signed when your loan was originated on January 9, 2009, your full loan payment is due on the twenty third (23'1) of each month. If a payment is received after the due date, it is considered late and subject to a late payment fee. There will be no negative reporting; however, if the full payment is received within thirty days of the payment due date.Please also note that a verbal cease and desist order was submitted at your request on September 10, 2014. When a cease and desist order is placed, the Bank cannot contact you for any reason. We regret if this has not been properly explained to you when you made the cease and desist request. If you wish to have the cease and desist order removed, please contact the Bank at ###-###-####.As of February 24, 2015, your installment is not past due and all efforts to repossess the [redacted] have been canceled.[redacted], thank you for your patience while waiting for a response. It is a well-known fact that no business can survive without its customers, and I want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at [redacted], or toll free at ###-###-####.Sincerely,[redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosures (2): Auto Assistance Paperwork and Installment Loan Note

[redacted] [redacted] [redacted] Date: January 25, 2016 Account: [redacted] Regarding Your Fifth Third Bank Relationship Savings Account Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau, concerning an online payment from your savings account. We appreciate the time you have taken to express your concerns regarding this matter. Your comments expressing less than quality customer service are very concerning. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. We sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to us. Feedback like yours helps us identify problems and improve the level of service we provide to our customers. On April 18, 2006, you opened a Minor-Owned savings account with you listed as the custodian, and your son [redacted], listed as the minor-owner. On June 26, 2012, this account was converted to a Fifth Third Bank Relationship Savings account, with the same ownership. In researching your concerns, we determined you accessed your Fifth Third internet banking on January 9, 2015. At that time, you initiated a $150.00 payment to your ** [redacted] account ending in [redacted]. For your records, we have enclosed a copy of the payment details. The one time immediate payment was scheduled for January 12, 2015. When making a payment online, the “paid from” drop down box allows customers the ability to choose which Fifth Third account they would like to make the online payment from. As the custodian on the account ending in [redacted], you are authorized to select this account as the paying account. It was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matter. You are a valued customer and we hope you will allow us to serve your financial needs in the future. If I could be of further assistance to you please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Payment Details

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 amount of the copy check was not the full amount that was removed my old account $15266.00 I was informed that it was against federal law for the money to be removed because it is protected/exempt from garnishments. federal law states that only 25% of a person income could be removed. Money removed from my account was 100% of my income and was protected.  despite this the bank instead of notifying the courts that the money was exempt claims they sent half the money and Fifth Third bank has no information on what happened to the other half and where it was sent. Courts clerk is claiming no money was received, waiting for paperwork from the courts. I will file a lawsuit against Fifth Third bank for fraud when information is received.
 
Regards,
[redacted]