Fifth Third Bank

February
25, 2015[redacted]
[redacted]
Re:
Account #[redacted]Dear
[redacted]: We
received a copy of the complaint you filed with the Revdex.com dated
February 17, 2015, concerning the level of service you received from the Bank
when you applied...

for an equity FlexLine account.  We appreciate the time you have taken to
express your thoughts and concerns regarding this matter.    Your
comments expressing less than quality service are very concerning and I regret
the difficulties you experienced.  I have
shared the information you brought to our attention with the management of the
Financial Center you mention in your correspondence as well as the appropriate
department which processed the loan at the Bank.  Additionally, customer feedback is reviewed
with our regional management.  Customer
service is of the utmost importance to all of us at Fifth Third Bank and we
appreciate your feedback as it assists us in identifying problems in an effort
to continuously improve the service we provide our customers.  I
apologize for the difficulties you encountered with the processing of the
equity FlexLine account for [redacted]. 
Please be assured that the loan has been opened properly and is
reflected in our database.  A transfer of
$[redacted] was deposited into your checking account ending in [redacted] on February 18, 2015 as you
requested. Ms.
[redacted], I can assure you that it was not our intention to cause you any
frustration or hardship.  On behalf of the
Bank, please accept my sincere apology for any inconvenience or concern that
this matter may have caused you.  If I
could be of further assistance to you, please call me at [redacted].Sincerely,[redacted]Consumer
Resolution SpecialistOffice
of the President

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] [redacted] [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

FIFTH THIRD BANK
October 2, 2014
[redacted]
Re: Automobile Title
Dear [redacted],
We received the complaint you filed with the Revdex.com regarding the
payoff and title for your automobile. We...

appreciate the time you have taken to
express your thoughts regarding this matter.
We strive to provide our customers with accurate and professional service in a
timely manner. Please be assured that it is not our intention to delay the lien
release or title once an installment loan is paid in full.
We were not able to locate the installment loan you are referring to with the
information provided. Please understand that the Revdex.com does
not send the Bank full account numbers for security reasons; however, we
attempted to locate your installment loan by other methods but were not able to
do so. You may contact me at the number listed below to provide me with more
information so that we are able to further research your concerns.
We apologize for any difficulties you encountered. If I can be of further assistance to you,
please contact me at [redacted], or toll free at [redacted].
[redacted]
Consumer Resolution Specialist Office of the President
Pc: Revdex.com

[redacted] Date: September 21, 2015 Account [redacted] Regarding Your Equity Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your equity loan. We appreciate...

the time you have taken to document your thoughts and concerns regarding this matter. On March 22, 2006, you agreed to a fifteen (15) year equity loan of $36,500.00. This amount included the payoff to [redacted] Financial of $34,591.73, settlement costs of $1,785.00, and cash to you of $173.27, less a credit of $50.00. One hundred seventy-nine (179) installment payments of $263.70 are due on the eleventh (11th) of each month beginning on May 11, 2006, and one (1) balloon payment of $27,780.43 is due on April 11, 2021. I have enclosed a copy of your loan note and settlement statement for your review. Your equity 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 your loan. If payments are received late during the life of the loan, you pay more in interest over the life of the loan. Because less of your payments are applied to the principal balance, there may be a larger final payment due to late charges paid and additional accrued interest. Since your loan originated on March 22, 2006, a total of $2,118.76 has been applied to your principal balance. A review of your payment history shows several late payments throughout the life of the loan, which have affected the interest accrued on your loan, and therefore the amount of your payments applied to principal. Additionally, the payments throughout the life of the loan have not been significantly greater than your regular monthly payment amount of $263.70. With several late payments throughout the life of the loan, less of the extra you have been paying has been applied to principal. Below is a chart showing the payments that have posted in the past twelve (12) months, which details how much of the payments were applied to principal and interest, how much interest had accrued since the last payment, and how much interest was remaining after the payments had been applied: Payment Interest Accrued Late Interest Payment Date Principal Interest Amount Since Last Payment Charges Remaining Satisfied 10/09/14 $275.00 $229.09 $45.91 $229.09 $0.00 $0.00 10/11/14 11/06/14 $275.00 $206.65 $68.35 $206.65 $0.00 $0.00 11/11/14 12/11/14 $275.00 $257.79 $17.21 $257.79 $0.00 $0.00 12/11/14 01/12/15 $275.00 $235.59 $39.41 $235.59 $0.00 $0.00 01/11/15 02/17/15 $265.00 $264.73 $0.27 $264.73 $0.00 $0.00 02/11/15 03/09/15 $275.00 $147.07 $127.93 $147.07 $0.00 $0.00 03/11/15 04/09/15 $200.00 $227.12 $200.00 $0.00 $27.12 04/11/15 05/08/15 $265.00 $239.59 $25.41 $239.59 $0.00 $0.00 05/11/15 06/09/15 $265.00 $234.28 $30.72 $234.28 $0.00 $0.00 06/11/15 07/10/15 $265.00 $226.75 $38.25 $226.75 $0.00 $0.00 07/11/15 08/13/15 $215.00 $248.41 $215.00 $0.00 $33.41 08/11/15 09/08/15 $253.00 $223.98 $29.62 $223.38 $0.00 $0.00 09/11/15 As you can see, significant portions of your payments have been applied to accrued interest, with two (2) payments applied entirely to interest. The interest rate on your equity loan is 7.75% with interest accruing by $7.30 daily. If you would like to pay down more of your principal balance to avoid a larger balloon payment at maturity, then you will need to make larger extra payments, as well as make your payments by the due date each month. I have also enclosed a copy of your payment history, which details all of the payments that have posted since the beginning of your loan and how they have been applied to your loan. As of September 17, 2015, the total payoff of your equity loan is $34,446.94. This amount includes principal of $34,381.24 and interest of $65.70. Your next payment of $263.70 is due on October 11, 2015. Unfortunately, we are unable to make any changes to the existing terms of your loan based on your complaint. However, you have the option of applying for a loan modification. If you would like more information, or you would like to apply, please contact our Loss Mitigation Department at ###-###-####, option 1. They are available Monday through Friday, 8 a.m. to 5 p.m., and Saturday, 8 a.m. to 12 p.m., ET. Any specialist will be happy to assist you. You also mentioned that you are unable to apply for a refinance with Fifth Third Bank. Please note that although we are unable to originate new loans in Arizona, we are still able to service our current loans that were previously originated in Arizona. Thank you for your patience while we researched this matter for you. 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 Enclosures (3): Note, Settlement Statement, Payment History Page 2 of 2

Thank you for your comments. Our records indicate that all issues have been previously addressed and, since no new information has been presented, we have nothing to add to our prior responses.  Sincerely, Elizabeth D.Fifth Third Bank

[redacted] Date: December 6, 2016 Account: [redacted] Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com)...

regarding your mortgage 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 the frustration you experienced regarding this matter. Your mortgage loan ending in [redacted] was opened on August 5, 2015. This loan is a refinance of your previous mortgage loan with the Bank ending in [redacted]. Enclosed for your review is the Initial Escrow Account Disclosure Statement for your loan ending in [redacted] that was issued in August 2015. Even though your new loan was a refinance of an old loan, the new loan’s escrow is determined completely separate from the old loan. Per the disclosure, when we estimated what would be paid from escrow between October 2015 and September 2016, the following escrow items were estimated to be paid: ** $989.59 for [redacted] County taxes in November 2015 ** $602.00 for homeowner’s insurance in January 2016 Please note that escrow analyses cover only a twelve (12) month period, so anything estimated to be paid outside the twelve (12) month period would not be included on that escrow analysis. The initial escrow analysis created was based on information provided on the HUD-1 Settlement Statement and title report from settlement. City taxes were not disclosed and therefore, they were not included in the analysis completed in September 2015. They were included on the next analysis completed in 2016 when it became apparent that city taxes would need to be collected and escrowed. On page three (3) of the enclosed analysis, you can see that Fifth Third Bank paid the $678.58 for city taxes due in October 2015. Because we did not have that information during the initial analysis, it was not reflected in your escrow, and we did not collect funds to cover it during that initial analysis year. As a result, it caused a shortage in the September 2016 escrow analysis. The funds Fifth Third Bank paid on your behalf for the city taxes due in 2015, still need to be collected. We also need to collect the $678.58 that is estimated for 2016 city taxes that are due. I am very sorry for the dissatisfaction you have experienced regarding your recent escrow analysis. I can understand your frustration; however, the funds for the city taxes must be collected. Please note that you have the option to spread the $1,426.34 escrow shortage out over twenty-four (24) or thirty-six (36) months to decrease the monthly shortage payment required. If you would like to spread out the shortage, please contact me directly using my phone number listed below. You can also mail the request to our address listed above, or you can fax it to my attention at ###-###-####. Please note that spreading the shortage out over more than twelve (12) months means that any future shortage payments required while you are still paying the 2016 shortage will be added on top of the 2016 shortage payment. You also mentioned that you should have received a $1,500.00 escrow refund from the previous mortgage loan after it was paid in full. Your previous mortgage loan ending in [redacted] had a payoff balance quoted of $83,181.55 as of July 29, 2015, and a $1,591.72 escrow balance. When the payoff was quoted, the funds in escrow were netted. This means that the funds in the escrow account were used as part of the payoff. This caused the payoff funds needed to pay the loan in full to be reduced to $81,579.83. We utilized $1,528.06 of the escrow funds in conjunction with the $81,605.29 payoff we received on August 12, 2015, to pay the loan in full. The last payment you made to the loan ending in [redacted] was the July 1, 2015, payment, which paid the interest accrued from June 1, 2015, through June 30, 2015. As a result, the payoff needed to cover the interest accrued since July 1, 2015. Per the enclosed payoff statement issued on July 29, 2015, the interest owed from July 1, 2015, through August 15, 2015, was $565.45. The loan was paid in full on August 12, 2015, so the amount of outstanding interest owed was only $527.25. The payoff quote also shows that funds from the escrow account would be used toward the payoff. There was no error in the amount of interest collected. After applying the $1,528.06 in escrow to the payoff balance, there was a remaining escrow balance of $63.66. These funds were sent to you in the form of a check on August 24, 2015. The check was cashed on September 3, 2015. There are no additional refunds owed. Please be advised that we explained the escrow refund check to you in our previous correspondence dated September 9, 2015. The letter was sent in response to your email sent to the Bank via our website at 53.com on August 24, 2015. We also previously responded to your concerns regarding the current escrow shortage in a letter sent to you on October 18, 2016. The letter was sent in response to your email sent to the Bank via our website at 53.com on October 2, 2016. Copies of our previous correspondence are enclosed for your review. I am sorry for the miscommunication regarding a return call you were expecting from Mortgage Loan Originator Michael F. that you did not receive. Please be assured that I have contacted the relevant Bank management regarding this information. 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: Initial Escrow Disclosure, 2016 Escrow Analysis, Payoff Quote, Payment History, Previous Correspondence

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.
[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 have determined that this does not resolve my complaint.    I have received 2 letter from 53rd apologizing for the way I was treated regarding my loan  That is not going to help me end this complaint against them.  The letters indicated how strong they feel about customer care and satisfaction, when I know they really don't care at all.  I was strung along with them on this loan process for 4 months.  A lot of my hard earned money was spent trying to get this loan approved.  Not even including the energy and time spent on the phone with them getting the run around.  No I'm not happy with them.  As far as I'm concerned, until they reimburse me for money I spent, I'm not going to settle this complaint.Thanks for your continued effort.  Please let me know where this stands. Have a great day.Regards,
[redacted]

I would accept a penalty of 6 mos interest or about $60, thank you

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 made it very clear and asked repeatedly for them to tell me how much money I owed. They have recorded conversations. The assured me I, after I paid the $4K+ that there was nothing else owed until May 18,2016. Now they have alleged I owe more. What a POS company!!!!

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 are two things that are not right:1.) I have e-mail documentation from 53rd Bank stating that they will in fact send me a pink slip, not just a lien release which does not let me sell my car in the future if I want to 2.) I paid off my car loan IN FULL in April. -Why has it taken at least 3 months and still nothing.  This has been very inconvenient for me and 53rd does nothing about it.
Regards,
[redacted]

[redacted] Date: September 21, 2015 Account: [redacted] Regarding Your Debit Card Dear [redacted]: Thank you for your follow-up correspondence to the Revdex.com concerning your Debit Card. We appreciate the time you have taken to express your concerns regarding your card. 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As mentioned within our prior letter to you, if you are able to supply us with a copy of the bill in question, we will work with you to find a suitable resolution to the disconnect fee that you received. As of September 17, 2015, we have not received a copy of your bill. Please mail it to the address below. Fifth Third Bank Office of the President Attn: Beth H. 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, the documentation can be faxed to my attention at: ###-###-####. Again, I apologize that you were unable to have access to your funds during the time period that your debit card was blocked and when you received a new card. If the issue arises in the future, most utility companies are able to process debits on checking accounts. Customers would need to supply the company with their checking account number and routing number for the payment to be made on their utility bill to avoid any disconnection of services. 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 call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Beth H. Office of the President

We feel as though we have properly responded to the customer’s concerns. If the customer would like speak with someone at the Bank regarding this matter, we are certainly happy to speak with her. She can call me directly at the number provided in my previous responses to her (see below). We do regret the negative experience the customer has had with Fifth Third Bank’s Mortgage Department; however, we do not have any additional information to provide.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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  They think an apology is good enough.  Well it's not!  First of all, you don't treat clients like I was treated.  I went through hell with 53rd Bank for 4 months waiting to get a home loan. They didn't care then and surely don't care now.  This loan originated in August 2015.  They contacted me at the end of November 2015 to tell me I wouldn't qualify for the loan. They kept leading me to believe everything would go through on this loan. I paid for an appraisal,  different inspections,  multiple contract extensions, and earnest money.  If they didn't lead me to believe the loan would go through, I wouldn't of invested my hard earned money to try and get this house.  I'm a single mom with 2 kids.  They didn't care then, and sure don't care now. I guess their apology is going to make everything right. No bank will take 4 months to tell you that your loan didn't qualify!  The loan was handled by 3 different people in multiple states.  Each and everyone of them dropped the ball.  I'm a first time home buyer and this was  big decision for me.  As it should be.  I'm out of the money along with being out of a house!  I hope anyone and everyone see's my complaint about 53rd Bank before thinking about getting a loan through them.  I'm going through a different bank and qualifying for the loan. 
Regards,
[redacted]

[redacted] 
[redacted] 
[redacted] Date: January 14, 2016 Account: [redacted] Regarding your Secured Credit Card Account Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com regarding your Secured...

Credit Card. We appreciate the time you’ve taken to document this matter and appreciate the opportunity to respond to your question. Per our secured credit card agreement, when a credit card is secured with money deposited in a savings account, that money is held 90 days after the credit card is paid off and the card is closed. On October 2, 2015, we received your payment in the amount of $190.21 to pay off the balance and per your request, we closed the account. On January 4, 2016, the next business day after the 90 days were complete, the hold on your savings was released and on January 5, 2016, you transferred $250.00 to your checking account ending in 8336. On January 6, 2016, you transferred another $50.00 to your checking account leaving a balance of .26 cents. 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 call me at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Briggett F. 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.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

[redacted] Date: May 26, 2015 Account: [redacted] Re: Mortgage Loan application Dear [redacted]: We received a copy of your rebuttal recently filed with the Revdex.com. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. After speaking with you on May 19, 2015, I contacted the [redacted] Banking Center you referenced in our conversation. I spoke with both the banker and the mortgage loan officer and it was their understanding from their interactions with your wife that you were only interested in refinancing with Fifth Third Bank if we were able to provide you with a rate and closing costs that were both lower than we are able to provide to our customers. I regret to inform you that Fifth Third Bank is not able to match rates from other lenders. As much as we would love to have your loan with us, we are required to be consistent with what we offer our customers and therefore cannot offer a lower rate or lower closing costs to one customer that we are not able to offer all of our customers. I regret that adherence to these policies and regulations caused you any frustration or inconvenience. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We strive to provide quality service to all of our customers, and I am sorry for your unsatisfactory experience during your previous attempts to resolve this matter. If you feel that my accounting of the situation was not the case, please contact our new accounts department at ###-###-#### or visit your local Fifth Third Banking Center. Or you may contact me at the number below with any questions or concerns. I would be happy to assist you now or in the future. [redacted], you are a valued customer and I appreciate this opportunity to address your concerns. 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

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 company has not addressed the dispute at all. They are indicating that we initiated a payment to a company that we do not do business with now or in the past.  This is a minor account and have only used this account for the sole purpose of savings. There needs to be a refund into our son's account.
[redacted]

[redacted] Date: May 4, 2017 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your installment loan account. We appreciate the time you have taken to express your continued thoughts and concerns. On behalf of the Bank, I apologize for any difficulties or concern this situation may have caused you. However, we stand by our previous correspondence dated April 25, 2017. Our position on this matter has not changed. For your reference, I have enclosed a copy of our previous correspondence. We reviewed the recording of the phone call between [redacted] and our Collection Department. We confirmed that [redacted] provided an account number of [redacted]. The representative read the account number back to [redacted] to verify he had it correctly, and [redacted] confirmed the account number was correct. As a result, the payment was entered. However, the account number was not correct as it was missing a digit. We confirmed that no Bank error took place. The valid late payment that was reported affects all signers on the loan. 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: Previous Response