Fifth Third Bank

[redacted] Date: July 26, 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, regarding your...

installment loan. Thank you for taking the time to document your thoughts and concerns. We have completed our review of the payment history for your installment loan. Our review determined that the increase to your monthly payments resulted in your inability to provide proof of auto insurance for the vehicle. Because the Bank did not receive proof of insurance for your automobile, the Bank force placed an insurance policy to cover the collateral. I have enclosed your loan closing documents stating you are required to provide proof of insurance to the Bank. Failure to provide proof of insurance, forces the Bank to purchase insurance on the collateral. According to the Security Agreement and Agreement to Furnish Insurance document states, if you fail to obtain, or maintain this insurance, or name us as loss payee, we may obtain insurance to protect our Interest in the Property. We will notify you if we do so. This insurance may be written at a rate higher than a rate you could obtain if you purchased the property insurance required by this Contract. For your most recent lapse in insurance coverage, the Bank notified you three (3) times requesting proof of insurance for this vehicle. I have enclosed all three (3) letters mailed to you in 2015. Please use these notices as verification that the Bank contacted you about providing proof of insurance to the Bank. I have also enclosed a copy of the insurance policy prepared on November 6, 2015. Please note the dates on the policy are from September 7, 2015, to September 7, 2016. Our research has confirmed that this policy has not been cancelled. You have not provided the Bank proof of insurance coverage from September 7, 2015, to March 18, 2016. The premium charged for this lapse of insurance is $923.00. If you can provide proof of insurance coverage from September 7, 2015, to March 18, 2016, your installment loan payment would be reduced to your original monthly payment. The requested documentation can be mailed to the following address: Fifth Third Bank Office of the President Attention: Patrick S. Mail Drop: 1MOCOP Cincinnati OH 45263 For your records and verification, I have enclosed your note and payment history for your installment loan. Please note the interest rate for your installment loan has not changed. As mentioned above, the Bank has placed insurance on your loan on two (2) occasions. The first force placed insurance policy was on August 6, 2015. The premium amount was $1,796.00. The premium was rebated to $1,479.00 when you provided proof of insurance for your installment loan. The amount owed for the first premium after the rebate was $290.00. The premium has been satisfied by the following payments: * September 1, 2015, $42.33 of your payment was applied to your insurance premium. * October 1, 2015, $15.67 of your payment was applied to your insurance premium. * October 23, 2015, $29.00 of your payment was applied to your insurance premium. * November 23, 2015, $29.00 of your payment was applied to your insurance premium. * December 28, 2015, $92.30 of your payment was applied to your insurance premium. * March 4, 2016, $184.60 of your payment was applied to your insurance premium. Please note the March 4, 2016, payment overpaid your insurance premium by $102.90. Upon receiving your complaint, we contacted the installment loan cashiering department who has re-applied this payment to your second force placed insurance premium. On December 11, 2015, the Bank purchased another insurance policy when you failed to provide proof of insurance. As noted in paragraph three (3) the lapse of insurance from September 7, 2015, to March 18, 2016, remains on your installment loan. The premium for the second insurance policy was $1,754.00; however, when the Bank received proof of insurance beginning on March 19, 2016, the premium was rebated $831.00. The amount owed on the second premium was $923.00. Your recent installment loan payments have satisfied a portion of this premium. The following payments have been applied to your insurance premium: * December 28, 2015, $12.38 of your payment was applied to your second insurance premium. * March 4, 2016, $264.52 of your payment was applied to your second insurance premium. * Additionally, the $102.90 overpayment from the first insurance premium was applied to your second insurance premium. * March 25, 2016, $104.78 of your payment was applied to your second insurance premium. * April 25, 2016, $79.82 of your payment was applied to your second insurance premium. * May 25, 2016, $92.30 of your payment was applied to your second insurance premium. * June 29, 2016, $210.63 of your payment was applied to your second insurance premium. With the adjustment dated March 4, 2016, the balance owed on your insurance premium is $61.87. This payment amount is included on the balance owed for your July payment. Your payment of $550.96 was due on June 25, 2016. The Bank received your payment of $275.00 on June 29, 2016. The Bank did not receive another payment within the ten (10) day grace period on your loan. The past due amount of $275.96 was added to the amount due on July 25, 2016. Including the past due payment, and the $9.32 late charge, the amount due by July 25, 2016, is $836.24. Assuming you make the full payment by the end of your ten (10) day grace period, your payment due August 25, 2016, will be $550.96. Assuming you make the regularly scheduled payments, your installment loan payment will be $243.29 beginning with your payment due September 25, 2016. In the interest of customer service, the Bank has agreed to reverse the two (2) late charges assessed to your account in June and July 2016. The $18.32 credit posted to your installment loan on July 26, 2016. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused. 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: Payment history, Note, Proof of Insurance Letters, Insurance Policy

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

October 31, 2014
[redacted]
[redacted]
Re: Checking
Account[redacted]
Dear Mr. [redacted],
We received a copy of the complaint you filed
with the Revdex.com concerning the fees assessed to your checking
account. On behalf of the Bank, please...

accept my sincere apology for any
inconvenience this matter has caused you.
At Fifth Third Bank, we are continuously
evaluating the service we are able to provide to our customers. Please be
assured that we take your suggestions very seriously. We sincerely value your
feedback as it assists us in delivering first class customer service which is a
priority to us. It is feedback like yours that helps in identifying problems to
improve the level of service we provide to our customers. Thank you for the
time you have taken to share your thoughts and concerns regarding this matter.
When you opened your Student Checking Account
ending in 2847 on October 13, 2007, you were provided with a copy of our Rules
and Regulations. For your convenience, I have enclosed an updated version of
our Rules and Regulations which govern our ability to make changes to your account
and also discloses the fees associated with the account.
On June 26, 2012, your checking account ending
in 2847 was changed from a Student Checking account to an Essential Checking
account. I have enclosed our checking account brochure for your review. On an
Essential Checking account, we waive the monthly service charge of $[redacted] if
any of the following is met:
·        
You maintain a
combined monthly average of $[redacted] across your checking and savings accounts
·        
OR you are a
current or former member of the U.S. military with monthly direct deposits
totaling $[redacted] or more
·        
OR you
participate in your employer’s Fifth Third Banking Benefits Program with
monthly direct deposits totaling $[redacted] or more
·        
OR you are a student
with a valid student ID
At present, your checking
account has qualified to have the monthly service fee waived since you are a
student. I have confirmed that your checking account has not been charged a
monthly service fee, as mentioned in your complaint.
Please be aware that the student status on your
checking account is set to expire on December 31, 2014. If you are no longer a
student and cannot provide a valid student ID, your checking account may be
charged a monthly service fee beginning in January 2015. However, if you have a
valid student ID, you will need to present your ID to the management staff at
your local Fifth Third Bank financial center to update your account. You may
also fax a copy of your valid student ID to my attention at [redacted]
Alternatively, you may mail the copy of your ID to my attention at:
Fifth Third Bank,
Office of the President Attn: [redacted]
[redacted]
After reviewing the recent activity on your checking account, I
was able to determine that the fees that you refer to in your complaint that
posted to your account in August 2014 were Overdraft Transfer fees. If your
available balance is not sufficient to cover items that post to your account,
the posted items may be returned unpaid and subject to overdraft fees. With
Overdraft Protection, in the event that your checking account becomes
overdrawn, funds will be automatically transferred from your Fifth Third Bank
credit card to cover items that overdraw your checking account. With Overdraft
Protection, you are charged one (1) Overdraft Protection transfer fee of $[redacted]
per transfer instead of an overdraft fee of $[redacted] per item for the first
overdraft occurrence, or $[redacted] for each item that overdraws your account
thereafter. Our review discovered that your checking account became overdrawn
on August 22, 2014, and on August 25, 2014. Therefore, your checking account
was charged $[redacted] per occurrence due to the overdraft transfers that were
initiated. We are unwilling to waive the overdraft transfer fees that were
charged to your account, as you have requested.
Please know that the Overdraft Protection
transfer will only occur if you have an available balance on your credit card
account. Your MasterCard Platinum ending in [redacted] is currently set-up to serve
as Overdraft Protection for your checking account. However, the current balance
on your credit card is over the limit set on the card which means no funds are available
to transfer from your card at this time. Please be sure to make a payment to
your credit card account at your earliest convenience.
For your convenience, enclosed is a reference
guide titled Fifth Third Overdraft
Solutions that provides additional information related to the overdraft
fees that were assessed to your account and ways to track your balance to help
avoid overdraft fees in the future. Information regarding overdraft coverage
and overdraft protection options is also provided on the enclosed document.
Mr. [redacted], we appreciate your patience while we
researched this matter and we value your relationship. If I could be of further
assistance to you please call me toll free at [redacted]
[redacted]
Sincerely,
[redacted]
Consumer
Resolution Specialist Office of the President
Pc: RevDex.com
Enclosures: Rules
and Regulations, checking account brochure, Fifth Third Overdraft Solutions
brochure

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.
While you have apologized for the difficulties I've faced due to the bank's oversight in sending me an unnecessary letter requiring insurance on a totaled vehicle and you've told finally accepted a check from my insurance and told me what my remaining balance is, this does not resolve several issues that still remain.I require a letter with my balance in writing to my postal address. I also require that you clear up my credit as you still have a balance of $10,000 on my credit report. Because of this, I was unable to get an unsecured loan to pay off the debt. You effectively dropped my credit score by 100 points.  I demand you send the appropriate balance to all credit reporting agencies, send a letter to my mailing address with the remaining balance and because I am unable to get an unsecured loan due to my ruined credit because of your actions, I have no choice but to pay less than the regular monthly balance. I expect no late fees, no excessive interest charges for not paying the full $286 a month. You can't possibly expect me to pay that when I have a new car loan, tripled insurance rates and no possible way of getting an unsecured loan to pay off the balance in full.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
The letter from the bank states that no adverse reaction would be taken against my credit report but it has already been adversely affected. All three credit bureaus are reporting 5 months late. I will be writing a letter to 5/3 bank and cc their general counsel that this needs to be remedied by 1 April or we will have to take legal action. We are unable to secure other credit because of this issue. We will also be asking for a paper statement every month which we do not receive.
Regards,
[redacted]

[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

[redacted] [redacted] [redacted] Date: December 14, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning the hold placed on your...

deposit. We appreciate the time you have taken to express your concerns regarding this matter. We are very sorry if our attempts to explain the funds availability policy did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. We understand your frustration when this situation occurred and we are sorry for any inconvenience this matter may have caused you. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you, as the consumer, and the Bank from loss or possible fraud. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately. The remaining funds will be made available on the next business day. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday or a Federal Holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal Holidays. Deposits received after certain cut-off times may be credited as of the next business day. In some instances, we reserve the right to place a hold of a longer period of time on a deposit. The full amount of the deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the seventh business day after the day of your deposit. I have enclosed a copy of our Rules and Regulations; page nineteen provides additional information regarding extended holds on deposits. On December 2, 2015, your account balance was $11.39. On that same day, you deposited a non Fifth Third check for $18,700.00 and $400.00 in cash at a local Financial Center. Since the deposit exceeded $5,000.00, $13,700.00 of this deposit was placed on hold and a notification letter indicating this reason for the hold was sent to the address we have on file for you on December 4, 2015. This notice also states that the remaining funds from your deposit will be available on December 14, 2015. 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 a.m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President Enclosures: Rules and Regulations

[redacted] Re: IRA [redacted] Dear [redacted]: We received an additional complaint from you filed with the Revdex.com regarding your IRA account. We appreciate the time...

you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the response conveyed to you in our previous letter dated February 24, 2015. I have enclosed a copy of our previous correspondence for your reference. Our position on this matter has not changed. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####. Sincerely,   [redacted] Executive Support Specialist Office of the President Enclosure: Previous Correspondence Pc: Revdex.com

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]

Can you find out if there are any other names on the customer’s account?  I’m unable to locate the customer by name in our system.

[redacted] Date: January 9, 2017 Account: [redacted] Regarding Your Auto Insurance Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your auto insurance. Your...

feedback is very important to us as it allows us to better understand how we can improve our service to you. 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. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. After receiving your complaint, we confirmed with our Insurance Service Center that they received adequate proof of insurance as required under the terms of your contract for the vehicle securing your auto loan ending in 1636. No additional documentation is needed from you at this time. If you have any additional questions or concerns, please contact our Insurance Service Center at ###-###-####, Monday through Friday, 8 a.m. to 8 p.m., and Saturday, 8 a.m. to 5 p.m., ET. Please be sure to reference number [redacted] when speaking with an agent. You may also visit their website at insuranceservicecenter.com. Please also note that Fifth Third Bank does not repossess vehicles for inadequate proof of insurance. However, if you fail to provide adequate proof of insurance, we may force place insurance on the vehicle, and the premium would be added to your auto loan. I am sorry for any misunderstanding. Thank you for your patience while we conducted our research. 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 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:
My attorney and 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 owner of my local [redacted] Insurance branch personally wrote the bank a letter yesterday July 21,2016 and faxed it immediately which directly showed I did indeed have full comprehensive and collision insurance from March-May2016. I sent a full payment to Fifth Third Bank yesterday despite the fact that my insurance agent sent this letter. My grandmother (co-owner) was told they could still repossess my car despite the fact I had paid cash through same day delivery [redacted], because, it takes them up to 3 days to do their job and clear it from the system and if the car was picked up in that time I would have to pay an addition $400-$700 in tow fees to get my car back even though it was their end not working fast enough. They will be given one last opportunity to correct the mistake and apply the money recieved from me($1,500) which included 4 payments at the bank's inflated rate for insurance through [redacted] yesterday to my future loan payments and all payments returned to the original contract price at the purchase date.
Regards,
[redacted]

[redacted]
[redacted]
[redacted]  [redacted]
[redacted]
[redacted]           Date:  March 13, 2015         Account: ...

[redacted]  Re: Essential Checking Account   Dear [redacted]:  We received a copy of the complaint you submitted to the Revdex.com regarding your 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 this matter may have caused you. I am sorry if you did not receive any follow-up when you previously contacted the Bank. When you opened your Essential Checking account ending in [redacted] on September 4, 2014, we were running our [redacted] promotional campaign. If you opened a new account between July 28, 2014, and October 17, 2014, new customers would receive a $150.00 cash bonus, and Fifth Third Bank would make a matching $150.00 donation to [redacted]. The stipulations of this offer were that a direct deposit transaction and three (3) online bill payments using Fifth Third Bank’s Online Bill Payment service had to post to your account within ninety (90) days of the account opening.  It is our understanding that after we received your complaint you spoke with [redacted], Financial Center Manager, at the [redacted] Banking Center. As he explained, you did not qualify for the $150.00 cash bonus because the bill payments that posted to your account were set up as web transfers, not through Fifth Third Bank’s Online Bill Payment service. However, it was certainly not our intention to cause you any hardship. In the interest of customer service, we have enclosed a check in the amount of the [redacted] promotional cash bonus offer for $150.00. I hope this letter meets your satisfaction and resolves your needs.  Thank you for your patience while waiting for a response. We regret that you felt the need to close your account, 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 contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely,[redacted]Consumer Resolution Specialist Office of the President  Pc: Revdex.com  Enclosure:  $150 Promotional Funds Check

[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

October 17, 2014
[redacted]
[redacted]
[redacted]
Re: Mortgage Loan [redacted]
Dear Mr. [redacted],
Thank
you for contacting the Bank in response to the prior correspondence we sent to
you on August 15, 2014, and September 22, 2014. We...

appreciate the opportunity
to further respond to this matter, and we sympathize with the difficulties you
have experienced.
On
behalf of the Bank, please accept my sincere apologies for any inconvenience or
frustration this matter may have caused you. As we stated in our prior
correspondence, we made an adjustment to your mortgage loan ending in [redacted] to reapply all payments since March
31, 2013, on July 23, 2014, as you intended. When a payment dispute is
received, there is a window of time during which delinquency may still be
showing on your credit report. Once the dispute is resolved, credit reporting
will resume, and any delinquency that was reported as a result of any
misapplied payments will be removed. However, we understand that in the letter
dated August 15, 2014, [redacted], Regulatory Support Specialist,
communicated to you that the delay in correctly applying your payments did not
have a negative impact on your credit report. I am sorry that it was not
brought to your attention that delinquency may report until an updated payment
history is reported to the credit-reporting agencies. Please note that it may take
[redacted] days for the credit reporting to update.
When
you contacted the bank regarding the delinquency on your credit report, we
immediately escalated your concerns to management in our Mortgage Loan
Operations Department to ensure that your credit report is being accurately
reported by all [redacted] credit-reporting agencies. On October 16, 2014, we
confirmed that all credit-reporting agencies are correctly reporting as of
October 2014, and there is no delinquency showing on your credit report. I hope
this letter meets your satisfaction and resolves your needs.
If
you would like to contact the credit-reporting agencies directly, their contact
information can be found
In regards to your dissatisfaction with the service you received,
we addressed these concerns in our letter dated September 22, 2014. As we
stated in the letter, we waived late charges totaling $[redacted] in the
interest of customer service. We are unable to provide you with
any additional compensation, and we consider this matter resolved.
Mr. [redacted], thank you for your continued
patience while we conducted our additional research. If I could be of further
assistance to you, please contact me directly at [redacted], or toll free
at [redacted]
Sincerely,
[redacted]
Senior Consumer Resolution Specialist Office of the President

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.   There is $13,000.00 in dispute. The vendor only provided documentation for $35.00 worth of charges. Where is the balance of the documentation that I requested? The vendor is in violation of the provisions of the Fair Credit Billing Act by not investigating this matter and providing me with said documentation. If the vendor had any intentions of suing me for this amount, they would have done so by now. They know they are wrong, that is why they have not. I have adequate documentation to present if this matter ever goes to court requesting backup documentation again and again from the vendor with no results on their part.
Regards,
[redacted]

Below is our response to the customer. In addition to the response attached above and the credit card agreement attached above, eight (8) statements from credit card statement ending August 12, 2015 through credit card statement ending March 12, 2016 being sent to the customer in the...

mail. [redacted]       Date: March 25, 2016       Account:      [redacted]Regarding Your Fifth Third Platinum [redacted]Dear [redacted]:We received a copy of the complaint you filed with the Revdex.com regarding your credit card account. We appreciate the time you have taken to express 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 our senior and executive management teams review customer concerns as part of our ongoing commitment to improving our customers’ satisfaction.On January 6, 2005, the Bank received and approved your application for a Fifth Third Platinum [redacted]. Upon approval of your credit card account, your card and credit card agreement were mailed to you. For your review and convenience, a copy of the most recent version of the credit card agreement currently in effect for your account is enclosed.On August 12, 2015, the Bank sent your credit card statement indicating a minimum payment of $375.00 due by September 9, 2015. I have enclosed a copy of this statement for your records. The Bank did not receive a payment by September 9, 2015. Therefore, on September 10, 2015, a late charge of $25.00 posted to your credit card statement. The next credit card statement was generated on September 11, 2015, indicating a minimum payment of $1,035.16 due by October 9, 2015. Included in this payment is a past due amount of $375.00. I have enclosed a copy of this statement for your records. On October 9, 2015, the Bank received and posted your credit card payment for $400.00. However, this payment was not enough to satisfy your minimum payment due; therefore, on October 12, 2015, a late charge of $35.00 posted to your credit card statement. The next statement was generated that same day, indicating a minimum payment of $981.90 due by November 9, 2015. Included in this payment is a past due amount of $376.00.  I have enclosed a copy of this statement for your records.On November 9, 2015, the Bank received and posted your credit card payment for $400.00. However, this payment was not enough to satisfy your minimum payment due; therefore, on November 10, 2015, a $35.00 late charge posted to your credit card statement. On November 12, 2015, your next credit card statement was mailed to you, indicating a minimum payment of $1,130.19 due by December 9, 2015. The Bank did not receive a payment by December 9, 2015.  Because you had missed two or more consecutive minimum payments, on December 22, 2015 the Bank revoked the ability to make debit transactions. Please note because your account has been revoked, you are not able to make payments online. We did verify that you contacted our Hardship Department on December 19, 2015 to set up a repayment plan. You were advised to make payments of $163.00 per month for twelve months. Our agent was able to schedule four monthly payments for you at that time through starting on January 8, 2016 and ending April 8, 2016. However, you will need to contact the Collection Department to set up future payments. The Collection Department phone number is ###-###-####. A customer service representative is available Monday through Friday, 8 a.m. to 9 p.m.; Saturday and Sunday, 8 a.m. to 5 p.m., ET.Enclosed are your statements for December 2015, January February and March 2016. Please note on the enclosed statements, the mailing address for your credit card account is the same address on your Revdex.com complaint. We sincerely apologize if you have not received your credit card statements.We have completed our review of the payment history reporting on your credit report for your Fifth Third Platinum [redacted]. Our review determined that the information provide to the credit reporting agencies is accurate. If you would like to contact the credit reporting agencies directly, their contact information can be found below:• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####We strive to provide professional and accurate service to our customers, and apologize for any inconvenience this may have 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., ETSincerely,  Patrick S.Office of the PresidentPC: Revdex.com

[redacted] Date: February 25, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding the collections calls...

you received related to your installment loan. We appreciate the opportunity to review this matter. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. Please be assured that we take your comments very seriously. We sincerely value your feedback as it assists us in delivering first class customer service which is a priority to us. It is feedback like yours that helps in identifying problems to improve the level of service we provide to our customers. Please be assured that the relevant parties have been contacted to express your dissatisfaction with the service you received. Thank you for the time you have taken to share your thoughts and concerns. On August 9, 2012, you were approved for and agreed to a vehicle loan of $9,372.42 with a fixed rate of five point six four percent (5.64%) for a term of forty-eight (48) months with a maturity date of August 8, 2016. Your installment loan was considered past due for payment if we did not receive your total monthly payment by the eighth (8th) of each month. The final calendar day of your ten (10) day grace period was not considered the due date for your payment obligation. The grace period indicated when a late charge would actually be assessed to your loan for a past due payment. If a payment does not post by the due date shown on the contract, it is considered delinquent and is subject to collection activity. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8:00 AM until 9:00 PM, including holidays. The Bank may make several calls each day in an effort to obtain a payment or to arrange suitable payment arrangements. On behalf of the Bank, I would like to apologize for the inconvenience these phone calls may have caused. It was certainly not our intention to cause you any frustration. 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 for the [redacted]5 [redacted] that was held for collateral. This payoff payment was applied to your loan on February 16, 2015. You will be receiving a notification letter from the Bank confirming that your loan was paid off and closed with a zero balance owed. Thank you for your patience while waiting for a response, and we sympathize with the difficulties you have 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 ###-###-####, 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

[redacted] Date: April 10, 2017 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your installment...

loan account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Fifth Third Bank has an automatic payment service called Auto BillPayer that customers can utilize to have their monthly payments drafted automatically. I verified that you have never been enrolled in the automatic payment service. However, I confirmed that you schedule payments to your installment loan online via our website at 53.com. When scheduling your payments online, you can select how much of the payment should be applied as a regular payment, and how much of the payment should be applied as a curtailment. A curtailment is a payment applied to the principal balance of the loan. A curtailment does not pay the account ahead or partially pay the next payment due. On October 2, 2016, you logged into the website and scheduled two (2) payments to the installment loan. You scheduled a $150.33 regular payment to process on October 3, 2016. You also scheduled a $150.00 curtailment payment to process on October 17, 2016. Because you scheduled the $150.00 to be a curtailment, the $150.00 did not count toward the payment due in October 2016. The funds reduced the principal balance of the loan. Only the $150.33 you scheduled as a regular payment was utilized toward the $300.33 payment that was due on October 21, 2016. As a result, the loan became past due. You contacted the Bank on October 31, 2016, to advise that both payments were to cover the regular payment due. On November 3, 2016, we reapplied the $150.00 curtailment as a regular payment and the account became current that day. No late payment fee was applied to the account and no late payment was reported for the account. There have been no other requests to reapply payments on your loan. I confirmed on April 6, 2017, that all payments for your loan are listed as current with the credit reporting agencies. We are not reporting any derogatory information. While reviewing your concerns, I noticed that you made a $300.00 curtailment payment on January 17, 2017, and a $300.03 curtailment payment on March 16, 2017, online via our website. If you would like these payments reapplied to pay the loan ahead, please contact me directly using my phone number listed below. I would be happy to assist you. As of April 6, 2017, your loan is current and the next $300.33 payment is due on April 21, 2017. Please note that when making payments online via our website, if you enter an amount into the “Additional Principal Amount” field on the payment screen, those funds will not be applied toward the monthly payment due. Funds entered into the “Additional Principal Amount” field will be applied as a principal reduction payment only and will not pay or partially pay the next payment due on the account. If you are interested in signing up for Auto BillPayer, please contact Auto BillPayer at ###-###-####. Auto BillPayer is available to assist you Monday through Friday from 8 a.m. to 5 p.m., ET. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Payment History

Dear [redacted]:I have responded to this customer five times and in every written response, I have requested a copy of the Declaration Page from his insurance policy that shows he had comprehensive insurance coverage from 12/16/15 until 5/23/16. In order for us to consider a refund of the forced placed insurance, we will need the Declaration Page. I have provided my fax number with every response.I went above and beyond to personally contact his insurance agent twice. She was not able to confirm over the phone that he had comprehensive coverage during the referred time.I did receive a written letter from his insurance agent claiming that he had insurance. However, we will need a copy of the Declaration Page to further research a possible refund.This information has been provided to [redacted] five times.Until we receive a copy of the Declaration Page from his auto insurance policy for comprehensive coverage for 12/16/15 until 5/23/16, we consider this matter closed. Thank you, [redacted]| Fifth Third Bank Customer Care Specialist II| Office of the President