PROCORPSA

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.   Fifth Third did not address my complaint, they only explained why the overdrafts occurred which on my side is incorrect. I have attached the letter we received on March 18, 2017 where it states we have until 9:00PM that day to correct the overdraft. The fees I am complaining about were all fixed in the correct amount of time.  For example, on May 4th, I physically went online to my pay my car insurance with Farmers but Fifth Third is showing that I paid it the 3rd so I was given a fee. I didn't pay it the 3rd, I paid it the 4th. As stated in my initial letter, I tried to explain this to the customer service rep and they were rude and very unprofessional.
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: June 13, 2017 Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Accounts Dear [redacted]: We received a copy of the letter you sent to the Revdex.com...

concerning your accounts. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. On May 27, 2017, your Secured [redacted] ending in [redacted] was closed per your request. Although the account was closed on May 27, 2017, the $300.00 hold on the funds in your Goal Setter savings account ending in [redacted], which were used to provide the credit limit for your Secured [redacted], was not removed. Therefore, on July 7, 2017, the hold on the funds in your savings account was removed and the $300.00 in the savings account was used to pay the balance owed on the card. Since the balance owed on the card on July 7, 2017, was $304.70, I reversed interest charges on the card totaling $4.70 to bring the balance owed on the card to $300.00, so the $300.00 in your savings account could be used to pay off the balance owed on the card. I also want to ensure that you are aware that, I verified that there has been no negative credit reporting of your Secured [redacted] as of July 11, 2017. Additionally, the card is correctly reporting as closed as of May 2017. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### On March 28, 2017, you contacted our Disputes Resolution Department to dispute the $169.79 charge from T-Mobile that originally posted to your Express Banking account ending in [redacted] on March 27, 2017. On March 31, 2017, our Disputes Resolution Department issued a provisional credit to the account for $169.79. The account was also credited the $169.79 on April 12, 2017. Since the account was credited the $169.79 on April 12, 2017, the provisional credit from our Disputes Resolution Department was removed from your account on May 12, 2017. On May 12, 2017, this left your account balance negative ($169.79). Because the account remained overdrawn in excess of fifty-five (55) days, the account was charged off and closed by the Bank on July 6, 2017.  The account was also forwarded for collection efforts to a company called [redacted] Interstate, subsidiary of IQOR on July 6, 2017. Since you did not receive a final credit for the disputed charge, I contacted our Disputes Resolution Department and our Disputes Resolution Department took the necessary actions to correct the matter by retrieving the account from [redacted], deleting the balance owed on the account, and deleting the ChexSystems record of the charged off account. In short, no balance is owed on the account and the negative reporting of the account to [redacted] was deleted. For verification of the actions taken by the Bank to resolve this issue, enclosed is a copy of the letter dated July 10, 2017, notifying you that [redacted] is no longer collecting on the account and that the [redacted] record has been deleted. Regarding your request for a credit card with the Bank, during our telephone conversation on July 6, 2017, you explained that you would apply for a Fifth Third Bank credit card. On July 7, 2017, we received your online application for a Fifth Third Bank credit card. Unfortunately, the application was declined. Since the application was declined, you will receive an adverse action from the Bank which will explain the why the application was declined. The adverse action notice will be sent to you on approximately July 20, 2017. [redacted], you are a valued customer of the Bank and I appreciate this opportunity to respond to your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosure: Letter Dated July 10, 2017

[redacted] Date: June 2, 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. We appreciate the time you have taken to express your clients concerns regarding this matter, and we sympathize with the difficulties you have experienced. We have completed our review of the payment history reporting on your credit report for your installment loan. Our review determined that the information provided to the credit reporting agencies is accurate. We regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to correct prior negative reporting. On May 5, 2006, the Bank approved your application for an installment loan, using your [redacted] as collateral. I have enclosed a copy of the security agreement and payment history for your car loan. The first payment on your installment loan was due August 3, 2006. Your loan was a seventy-five (75) month loan, with a maturity date of October 3, 2012. Please use your payment history as verification the last payment received for your installment loan was made on January 7, 2010. On May 31, 2010, the loan was charged off and sent to our collection department. The charged off principal balance on your installment loan was $8,642.31. The Bank tries to offer solutions to our customer’s whenever possible. Therefore the charge off recovery team may be willing to discuss a possible settlement in regards to your installment loan. In order to discuss a settlement offer you will need to contact the Recovery Department at ###-###-####. A representative is available Monday through Friday 8 a.m. to 5 p.m., ET. It should be noted that when an account is charged off, fees and interest may be billed to the account. As of June 1, 2016, the payoff amount of the installment loan is $13,286.36, with a $1.90 per diem. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ** Equifax ###-###-#### ** Experian ###-###-#### ** TransUnion ###-###-#### ** Innovis ###-###-#### We appreciate your patience while we conduct our research. If you should have additional questions concerning this matter, please contact me at ###-###-#### or toll-free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Payment History, Security Agreement

[redacted] Date: August 3, 2016 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to hear about the...

difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. To prevent an overdraft situation, you have the ability to review your account at an ATM (Automated Teller Machine), on our website at 53.com, through mobile banking, or by calling our Customer Service Department at ###-###-####. If the account becomes overdrawn, an overdraft notice is generated that includes a detailed breakdown of the day’s transactions. This overdraft notice is also available to view online at 53.com. As part of your checking account relationship, Overdraft Coverage allows payments and purchases to be made even if you don’t have enough money in your account. You have the option of enrolling in Overdraft Coverage for ATM transactions and one-time Debit Card purchases. In addition, a customer can change their Overdraft Coverage options at any time at a banking center, online at 53.com, via mobile banking, and over the phone by calling ###-###-####. ** Accepting, or opting in, to this service allows you to make Debit Card purchases or ATM withdrawals even if you don’t have enough money in your account. However, there are fees for each item the bank pays when there are insufficient funds in your account. ** Opting out of Overdraft Coverage for ATM transactions and one-time Debit Card purchases means that transactions will be declined in the event you do not have enough funds in your checking account. ** If the Bank is presented with checks, online bill payments, and ACH (Automatic Clearing House) items, we are obligated to make a decision on whether to pay or decline an item, which may cause either an overdraft fee or a return item fee. If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account is overdrawn. We do not assess overdraft fees on pending transactions and per item overdraft fees will not be assessed if your account is overdrawn by $5.00 or less at the end of the business day. The amount of the per item overdraft fee is based on the number of times your account has become overdrawn in the last twelve (12) months. For the first overdraft occurrence, you are charged $25.00 per item. The second occurrence and higher is $37.00 per item. On July 6, 2016, you updated your Overdraft Coverage enrollment to opt in which allowed a $300.00 ATM cash withdrawal to be completed. The cash withdrawal overdrew your checking account by ($163.29). You opted back out of Overdraft Coverage on July 7, 2016. No ATM withdrawals or debit card purchases that posted after July 7, 2016, were assessed an overdraft fee because they were actually done before July 7, 2016. There were five (5) ACH transactions presented for payment while the account carried a negative balance. All of the items were paid, however a $37.00 overdraft fee was charged for each one. The account became positive after your direct deposit on July 15, 2016. We strive to provide professional and accurate information to our customers, and I regret the difficulties you have encountered regarding your account. Because you are a valued customer, two (2) overdraft fees totaling $74.00 were reversed on July 12, 2016, as a courtesy to you. Therefore, we are not willing to waive additional fees at this time. I appreciate this opportunity to address your concerns. Please know that our executive management regularly reviews customer feedback as part of our commitment to improving our operations. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

[redacted]Date: April 18, 2017 Account: [redacted]Regarding Your installment Loan AccountDear [redacted]:We received a copy of your follow-up complaint filed with the Revdex.com (Revdex.com) regarding your installment loan account. We appreciate the opportunity to address your Continued Concerns.Please be advised that the information provided to you by the GAP insurance administrator is incorrect. The Bank does not waive the balance owed on the loan in the event of a total loss. When we receive checks for the insurance proceeds and any applicable warranty refunds, those funds are applied to the loan balance owed. If the funds received from insurance and warranties are not sufficient to pay the loan in full, the customer is still responsible to repay the remaining amount owed per the signed contract. Enclosed is a copy of the check that was sent to the Bank by your GAP insurance company for $1,654.58. This check was endorsed, cashed, and the funds were applied to your loan. We did not waive the $1,654.58.Fifth Third Bank does not have influence over how much money the GAP insurance company will send. We provided your GAP insurance company a payoff quote and payment history effective for the date of the total loss, which was September 13, 2016. Enclosed is a copy of the payoff quote and payment history we provided on October 12, 2016. The amount needed to pay off the loan as of September 13, 2016, was $20,486.00. We also sent the GAP insurance company a copy of the $3,273.00 refund we received from the dealership for the warranty. The GAP insurance company obtained a copy of the $15,442.86 insurance refund from another source that was not Fifth Third Bank. If we take the $20,486.00 payoff, then deduct the total $18,715.86 in payments we received from your insurance and the dealership, the remaining amount needed to pay off the loan as of September 13, 2016, was $1,770.14. The GAP insurance paid $1,654.58. Because you had made a $345.44 payment on December 5, 2016, the funds from GAP insurance were enough to pay off the remaining balance owed on the loan.You have received overpayment refunds from the Bank totaling $229.88, which is $115.56 less than the $345.44 you paid on December 5, 2016. The difference between the $1,770.14 needed to pay the loan in full as of September 13, 2016, and the $1,654.58 that the GAP insurance paid is also $115.56. As previously advised, we are unable to determine why the GAP insurance paid only $1,654.58 for the vehicle. If you have questions about the GAP insurance refund amount and why more funds were not issued, please contact your GAP insurance company directly.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 PresidentPC: Revdex.comEnclosure: Previous Response, GAP Insurance Check, Payoff Quote, Payment History

[redacted] Date: May 25, 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 concerning...

your Fifth Third Bank installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding our collection department. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. Your installment loan is considered past due for payment if we do not receive your total monthly payment by the due date indicated on your contract. The final calendar day of your grace period for the loan is not considered the due date for your payment obligations. There is a ten (10) day grace period on the account, with a late charge assessed if the payment is not received prior to the end of the grace period. Should your loan become past due, your account may also be subject to derogatory credit bureau reporting. Please note that your installment loan is a simple interest loan, with interest accruing daily on the 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 not made according to the schedule in your installment loan note, then you may pay more in interest over the life of your loan. Because less of your payments were applied to the principal balance, there may be a larger final payment due to the additional accrued interest. Please find enclosed a copy of your installment loan payment history for your records. This reflects a variance in the amount of principal and interest paid each month depending on the payment date. On May 19, 2011, you agreed to a sixty (60) month term installment loan. Your first payment was due on July 3, 2011. Your loan maturity date is June 3, 2016. It should be noted, the Bank provides you with fifty-nine (59) coupons. The final payoff of the loan is unpredictable and unknown until the second to last payment is received. The Bank automatically sends out a final bill during the month prior to the maturity date. Once we have received the final payment for an installment loan, the lien for the vehicle will be released within ten (10) business days. Enclosed is a payment breakdown of the payments received for your installment loan. The payment breakdown shows the fifty-eight (58) payments you have made on your installment loan. The breakdown also indicates a principal balance of $849.73 remains on your loan. Furthermore, you have $81.37 in unpaid fees on the installment loan. For your records, your loan payoff as of May 25, 2016, is $934.96. This payoff includes the principal balance, fees, and unpaid interest on the loan. Please note, there is an additional $0.11 interest accruing daily. If after your review the enclosed documents you find that the account is incorrect, please forward details regarding the incorrect information to the following address: Fifth Third Bank 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. If you would like to contact the credit bureaus directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We value your relationship with Fifth Third Bank and appreciate the opportunity to respond to this matter. If I could be of further assistance to you, please call 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 Enclosures: payment breakdown, payment history, security agreement

[redacted] Date: February 15, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com. I also...

appreciated the recent opportunity to speak with you regarding your mortgage loan. You are a valued customer and I appreciate this opportunity to address your concerns. Per our telephone conversation, the Bank needed a copy of the Certificate of Insurance from your Condo Association in order to update your required insurance coverage amount. This request is being made to comply with newer investor guidelines. I did receive the copy of the Condo Association policy you mailed and our system records have been updated to decrease the required amount of homeowner’s insurance coverage to $299,000.00. While this is not as low as the previously required amount of $283,000.00, I hope that this provides a more positive resolution to your concerns. Please present this letter to your insurance agent to reduce the amount of homeowner’s insurance coverage you recently obtained. It is not our intention to cause you any hardship and I apologize for the inconvenience this matter has caused you. Please know that our executive management regularly reviews customer feedback as part of our commitment to improving our operations. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

[redacted] Date: October 24, 2017 Regarding the Emails You Received Dear [redacted]: We received a copy of the follow-up complaint you submitted to the Revdex.com regarding emails you received for a Fifth Third Bank customer. We appreciate the time you have taken to document your additional 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. In our previous Letter dated October 3, 2017, we informed you that we updated our customer’s email address within our system so that you would no longer receive emails for her. However, after receiving your follow-up complaint, we determined that an additional update was needed. We spoke with the customer to ask her to make the additional update, and we confirmed that she did so on October 23, 2017. Therefore, you should not receive any additional emails from Fifth Third Bank for this customer. However, if you receive any further emails, please contact me at either number below, and I will be happy to assist you. Thank you for your patience while we conducted our additional 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:      February 19, 2016 Accounts: [redacted], [redacted] Regarding Your Essential Checking Account and Platinum Credit Card Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com concerning your Essential Checking account and Platinum Credit Card. We apologize for any frustration this may cause you. However, the Bank stands by the previous responses conveyed to you on September 9, 2015, and February 11, 2016. Our position on these matters has not changed. For additional clarification, an ACH request must include the correct routing and account numbers to ensure it is applied to the correct account. Without the correct routing and account numbers, we are unable to determine which account the request belongs to. We are unable to verify student status based off of direct deposits that are received to the account and per Bank policy, we require all students to show a valid student ID to maintain their student banking benefits. You also mentioned a concern for the $11.00 monthly service fee. As previously mentioned, there will be no monthly service charge if you maintain a combined monthly average balance of $1,500.00. For the statement period of January 22, 2016, through February 19, 2016, your average account balance exceeded $1,500.00, therefore, the account was not assessed a monthly service charge. We also reviewed your request to close the Essential Checking account ending in [redacted]. Because the account is not at a zero balance, we are unable to complete the request. If you wish to transfer the funds to an account at another financial institution, you may initiate this external transfer of funds on 53.com. Once the account is at a zero balance, you may contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, and Saturday 8:30 a.m. to 5 p.m., ET. If you are unable to bring the account balance to zero, you may visit your local banking center to close the account. You also mentioned the Goal Setter Savings account ending in 2735 is at a zero balance; however, it should be noted we have not received a request to close this account. If you wish to close the savings account, please contact our Customer Service Department for further assistance. I am sorry for any additional frustration this may cause you. 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. April Q. Office of the President Pc: Revdex.com

[redacted] Date: August 30, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: Thank you for contacting the Bank and the Revdex.com regarding your mortgage loan. 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 or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We completed a review of the mortgage loan account ending in [redacted]. As you are aware, the spring tax payment was not taken into consideration when the escrow information was calculated at your loan origination. We regret the difficulties and frustration this matter has caused you. We assure you that we have closely reviewed and corrected this information in our internal systems. On April 21, 2017, Fifth Third disbursed $1,074.70 from your escrow account to pay the taxes due for May 10, 2017. As previously communicated to you, because of this matter, the Bank credited your escrow account for the $1,074.70 on July 20, 2017. Although we sympathize with the frustration this matter has caused you, we are not willing to accommodate either of your requests to decrease the monthly payment amount or reimburse you for the loan closing costs. We feel that the compensation in the amount of $1,074.70 is sufficient to reverse any negative impact you may have experienced as a result of this matter. For your information, the monthly payment amount is currently $1,232.32, which includes $984.29 for principal and interest and $248.03 for escrow. Please be advised that your escrow account will be analyzed each year to make sure that the escrow portion of your monthly mortgage payment covers your property taxes and insurance. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q.Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  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] 
[redacted] 
[redacted] Date: September 21, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding...

your checking account ending in [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. We are very sorry if our attempts to explain the Overdraft Coverage policy during your telephone calls with our Consumer Contact Center did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter may have caused you. We strive to offer our customers products that are convenient and beneficial while remaining competitive within the industry. Some checking accounts have Overdraft Coverage, which can allow a customer to complete a transaction even if there are insufficient available funds in the account to cover the full amount of the transaction. This is not the same as having overdraft protection. When an account has be setup with overdraft protection, the available funds will automatically transfer from the connected account to attempt to bring the overdrawn account to a zero balance. Our records show that you have a Basic Checking account, and this product does not offer overdraft coverage. Any debit card purchases and (ATM) withdrawals are declined when there is not enough money in your account at the time of the transaction. Similarly, if there are insufficient funds in your account when payments are processed, your checks and other payments will be returned unpaid. However, ACH (Automated Clearing House) payments or check items are still subject to overdraft fees. On August 31, 2015, the balance in your checking account was $20.76. One (1) web initiated payment for Paypal totaling $28.75 posted to the account that day, creating an ending balance of negative ($7.99). Although you had overdraft protection at this time, there were insufficient available funds in your savings account ending in 6369 to cover the item presented for payment. Due to non sufficient funds the item was returned unpaid and one (1) overdraft fee totaling $37.00 was assessed. The ending balance was negative ($16.24). An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fee assessed. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. In the interest of customer service, we waived the overdraft fee of $37.00 on September 21, 2015. To prevent an overdraft situation, you have the ability to review your account at an ATM (Automated Teller Machine), on our website at www.53.com, or by calling our Customer Service Department at ###-###-####. If the account becomes overdrawn, we also send you an overdraft notice that includes a detailed breakdown of the day’s transactions. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions. This guide provides additional information related to the overdraft fees that we assessed to your account. We also offer ways to track your balance and manage accounts to help avoid overdraft fees on your accounts in the future. We sincerely hope this information will help you understand the Bank’s position going forward and resolve your needs. If I could be of further assistance to you, please call me at [redacted] or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President Pc: Revdex.com Enclosures: Overdraft Notice and Overdraft Solutions

Revdex.com:
While I appreciate the response from Fifth Third Bank and the credit to our account, I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  We never received any of the letters sent by Fifth Third Bank notifying us of the added insurance placed on the vehicle without our knowledge.  We physically walk into the bank each month to make our payments and we were never told about the additional fees that were added onto our account.  Even though we did have insurance on our vehicle the entire time.  We tried providing proof of insurance from our old policy from [redacted], but it was not accepted by Fifth Third Bank.  We have no access to any online account to view our loan since we do not physically have a checking and/or savings account through Fifth Third.  Perhaps this would have alleviated our issues if we could have viewed our loan details online and seen the additional charges right away it would not have come to this. We feel this is not up to current industry standards in 2017, we should be able to access our account online at any time.When we called the Repossession Department we were told that it needed to be paid in cash, but we had no idea they really wanted us to pull over $1000+ in cash out of our account and walk it into the Fifth Third Bank branch.  This process also seems to very outdated and downright dangerous. It seems like the cashier's check or money order could have been a valid option, but neither of these were brought up.  Throughout this entire process everyone but the local branch contact was very difficult to deal with and added unnecessary stress to an already stressful circumstance. Even the local branch contact had issues with internal contacts when trying to assist us.We did receive a credit of $1469 for overpayment from Fifth Third Bank which shows that they were in error when reviewing our account. We are still trying to recover for having to pay this large amount of money at one time, and then in turn we're told that we overpaid.  So you can imagine our feelings toward Fifth Third Bank and this whole ordeal. 
Regards,
[redacted]

[redacted] Date: March 7, 2018 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your...

installment loan. We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for 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. We have completed a review of your account ending in [redacted]. Our records indicate that a payment in the amount of $330.00 was received on February 27, 2018. I have also reviewed the documentation you provided from your financial institution showing the online bill payment that was made. This documentation states that the check was printed on February 20, 2018, and mailed on February 21, 2018. In addition, the delivery method is indicated as Standard with a delivery date of February 27, 2018. Please be assured that as your payment was received within your grace period, a late fee was not assessed to the account. However, as we have been unable to locate any errors with the posting of your payment, the per diem interest amount will not be credited back to the loan. I would also like to confirm for you that your payoff in the amount of $21,068.28 was received on March 5, 2018. 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, Jennifer M.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. 
As of today, July 21st, we have yet again been a witness to how your bank services its clients. My husband, Larry [redacted], received a phone call from Fifth Third stating they have not received our check. The check was sent July 10th after we tried to make a payment over the phone and was told we could not. Please listen to this recording. Matter of fact, please listen to all of them. If you do, you will hear each of your employees telling us a different story every time we've called. We've sent two checks both of which we have copies and forwarded one to you and "you have not received them." Had you received and processed the check properly that was sent prior to my due date, none of this would have occurred. The check you processed in the 24th is the original check we sent prior to our due date. Please explain how it takes at least three weeks for you to get and process a payment. If you had fixed the issues when I brought them to your attention, the payoff amount you issued to our bank, would have been correct and I would not be making EXTRA payments. If the business would have handled it properly without making countless mistakes, we would still have the loan with you. Our bank states it is illegal for you to with hold the lean release after you have cashed the payoff check. Not only are you tarnishing my credit and my husbands, but you are affecting our bank. I will not be sending you another check since I've sent several and it seems to be there is an error within your processing system. If you feel the need to take this further, be my guest. I will contact the creditors myself and fight it. Oh and please Google Fifth Third reviews... This isn't just a problem that has happened once. Revdex.com I would be glad to send you all information I have so this matter is resolved not only for me but others as well.
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.  For your reference, details of the offer I reviewed appear below.
The resolution proposed does not resolve my issue. The statement that I made is that Fifth Third is predatory in their over draft policies. There should never be a need to decline overdraft protection three separate times, in three separate ways. This is not typical of the way most banks require the decline of overdraft protection. It appears that Fifth Third relies on its consumers to be unaware of the intricacies of what is needed to decline overdraft protection, and because of that, know they are able to make a few hundred dollars off of every consumer that is not given the complete details. This is predatory, and I will be closing my account. 
Regards,
[redacted]

Problem: Again September 26,2017 my credit was ran again Christopher C[redacted] was suppose to run my husbands credit and ran mine again without my permission my credit was ran 3x’s with this bank Mr.C[redacted] sent me emails stating to get financing through another bank that deals with self employed people this is ridiculous and he came and told me to start a new application again with the same house I’m applying for and The underwriting does not know how to read taxes they lie they need professional people to deal with clients this is becoming ridiculous already everyday at 5:00 pm and on Mr.C[redacted] always emails with not professional things I had EMAILED MR.C[redacted] ASKING FOR A BOARD REVIEW FOR MY APPLICATION AND READ ALL THE DOCUMENTS I SENT VIA EMAIL AND MAIL TO PLEASE REVIEW AGAIN THERE IS A DISCREPANCY SOMEWHERE THEY ARE FAILING TO DON’T DO THERE JOB PROFESSIONAL ALSO WHY DID IT TAKE MR.C[redacted] TO RUN MY HUSBANDS CREDIT 3 DAYS LATER AFTER I REQUESTED INHAVE PROOF OF MY TAXES PLEASE I NEED A BOARD REVIEW THE PRESIDENT OFFICE IS FAILING TO CONTACT ME REGARDING THIS REOCCURRING MATTER!!!Desired Outcome: REVIEW BOARD FOR MY APPLICATION AND A REFUND FEE FOR APPLICATION FOR THE TROUBLE I HAVE ENCOUNTERED W

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 HAVE NOT DONE ANYTHING EXCEPT SEND LETTERS THEY HAVE ALREADY SENT AND TELL ME I OWE THEM THE MONEY THEY FORGOT TO PUT INTO ESCROW. I DID CALL JENNIFER ABOUT A WEEK AFTER THE FIRST CONTACT AND SAID THEY NEEDED TIME TO LOOK INTO IT, THEN RECEIVED THE LETTER YOU HAVE POSTED AS 12/6 WHICH SAYS THEY NEED TIME TO LOOK INTO IT...AND I OWE MONEY! I GUESS WHEN YOUR A BIG BANK THE ONE AVERAGE PERSON MEANS NOTHING. HOPEFULLY YOU MAY HAVE BETTER LUCK I CAN'T BELIEVE THAT THEY THINK THAT LETTER IS SUFFICIENT I HAVE NOT EVEN BEEN TOLD WHERE MY UNACCOUNTED FUNDS WENT!
Regards,
[redacted]

[redacted] [redacted]Date: December 14, 2015 Account:     [redacted]Regarding Your Mortgage LoanDear [redacted] [redacted]: We received a copy of the complaint filed through the Revdex.com by your wife on November 4, 2015 concerning the...

refinance of your mortgage loan.  We appreciate the time she has taken to document your thoughts and concerns regarding this matter.  We are responding to you as you are the only account holder listed on the original mortgage loan.We strive to provide professional and accurate service to our customers and I regret that the service you received did not meet that same high standard.  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.  Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns.We empathize with the difficulties you encountered with your application for the refinance of your mortgage loan.  Therefore, in the interest of customer service, we have refunded the $350.00 application fee that you previously paid.    I appreciate this opportunity to address your concerns.  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 ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, Carolyn G.Office of the President Pc: Revdex.com

[redacted], [redacted] Date: January 11, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

your checking account. I also appreciated the opportunity to speak with you. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. Please be assured we have researched this matter fully, and passed your concerns on to the relevant parties within the Bank. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. You contacted Fifth Third Bank (“the Bank”) to dispute two (2) electronic checks that posted to your checking account without your authorization. Our Domestic Collections Department has opened the following claims and the necessary documentation has been submitted to the receiving banks to initiate recovery efforts. ** Case # [redacted] was opened for the $800.00 check that posted to your account on December 22, 2016. The claim was sent to [redacted] on December 28, 2016 and they typically take at l[redacted] ninety (90) days to respond to our collection request. ** Case # [redacted] was opened for the $342.56 check that posted to your account December 29, 2016. The claim was sent to [redacted] on January 6, 2017; however, [redacted] takes up to six (6) months to respond to our collection requests. Typically, the Bank does not issue credit for this type of disputed transaction before receiving the funds back from the other financial institution. However, upon review of the extended turn-around times from the other banks that are involved, we have made the decision to issue a provisional credit to your checking account. A credit of $1,142.56 was credited to your account on January 10, 2016, for your use until the claims are finalized. In addition, we have reversed the $99.00 in overdraft fees assessed to the checking account due to these items. If you have additional questions regarding the status of your dispute, our Domestic Collections Department can be reached at ###-###-####, option 2, Monday through Friday, 8 a.m. to 5 p.m., ET. Fifth Third Early Access is a line of credit used to assist our customers with short-term, financial emergencies, or unexpected financial needs. The Bank does not currently offer the Early Access product to new checking account holders. After further research, I was able to confirm that there is a procedure to open an Early Access advance feature on a new checking account when the old one is closed due to fraud concerns. I apologize that I was not aware of this when we first spoke. After the current checking account is closed, the new account is opened, and a new Early Access terms and conditions form is signed, we can proceed to activate the Early Access feature. There can be up to a three (3) day delay in activating the Early Access on the new checking account. As we discussed, I will communicate this information to the [redacted] Financial Center to facilitate matters when you visit them at the end of this week. You are a valued customer and it is certainly not our intention to cause you any hardship. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to assist 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, Alison S.Office of the President Pc: Revdex.com