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.   
Regards,
[redacted]Problem: So Adam P. told me that I was liable for a $117.86 charge that I didn't make but the real thing about this bank is that I am scared to contact customer service because last time I did someone named Rachel illegally cut off my card and I was forced to walk home from the store having no available money. Adam P.has informed me that the customer service agent has not been fired and therefore I live in fear of my own bank. I cannot call customer service without the fear of being harassed and bullied and having illegal activity done to me in retribution. I can only say that this bank cannot be trusted and I feel betrayed by this bank and don't trust it to call and tell my problems to itDesired Outcome: I want you to let them know that their actions are not professional and that I am scared to even contact them.

[redacted] [redacted] [redacted] Date: November 9, 2015 Account: [redacted] Regarding the Overdraft Fees Assessed to Your Checking Account Dear [redacted]: We received a copy of the rebuttal you submitted to the Revdex.com regarding the overdraft fees that were assessed to your checking account. 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. However, we stand by the response conveyed in our previous letter dated October 20, 2015. Our position on this matter has not changed. As we previously explained, if a payment to a merchant or creditor is returned unpaid due to insufficient funds, the merchant or creditor may re-present the payment one (1) or more times in an effort to collect the funds. It is not the decision of the Bank to re-present an item paid to a third (3rd) party. It is also important to note that the Bank is authorized to honor any items bearing a customer’s account number if the customer has disclosed that account number to the payee. The customer is subsequently responsible for all properly payable items. This includes the items you authorized with the payees that were re-presented for payment. I have enclosed a copy of our current Rules and Regulations for your review. Please refer to page 15, section 27, for more information. Thank you for your patience while waiting for a response. You are a valued customer, and we look forward to continuing our banking relationship with you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D. Office of the President Pc: Revdex.com Enclosure (1): Rules and Regulations

[redacted]Date: December 28, 2017 Account: [redacted]Regarding the Checking AccountDear [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.On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience the delay in resolving this matter may have caused you. Please be assured that we have contacted the relevant parties and passed on your concerns. When a purchase is disputed on a checking account, we expect that each dispute will be taken care of in as timely a manner as possible and I am sorry that has not been your experience. It was certainly not our intention to cause you any stress or undue hardship.The dispute was filed on November 13, 2017, and denied on November 21, 2017. The dispute was reasserted on November 22, 2017. We have completed our additional research for the Zelle payment in question, and a credit of $650.00 was issued to your checking account on November 22, 2017. However, that was not the total disputed amount in question. An additional credit of $474.00 was applied to your checking account on December 20, 2017. We also reversed related overdraft fees totaling $74.00 on November 15, 2017. A notice was sent to the address on file on December 11, 2017. I have enclosed a copy of both the original denial and approval letters for your records.Upon further review, a payment to Early Access was made in the amount of $669.50 on December 21, 2017, which included an Early Access transfer fee of $19.50. The fee was a result of the disputed transactions, therefore making you not responsible. I have enclosed a check in the amount of $19.50 for the fee that was paid on December 21, 2017.We strive to provide professional and accurate service, and I apologize for any inconvenience this may have caused you.You are a valued customer and appreciate this opportunity to address 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,Renee L.Office of the PresidentPC: Revdex.comEnclosure(s): Dispute letters (2), Check

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. 
[First of all, I would like to know the exact date the check in question cleared. Secondly, I would like to know how many overdraft charges I have had within the past 12 months. I do not think the bank should place a hold on my check due to overdraft issues. Fifth Third bank charges a hefty overdraft fee of $37 per transaction. In comparison, other banks like [redacted] would give you a grace period to deposit enough funds to avoid the overdraft charge. Fifth Third paid my monthly insurance premium of $300.29 to [redacted] on 7/5/17 but then reversed the charge again on 7/6/17. This caused my insurance payment to be late and a return fee of $25 charged by [redacted] (see attached) . This is not right!]
Regards,
[redacted]

[redacted]Date: August 21, 2015 Account: [redacted]Regarding Your Checking AccountDear [redacted]:We received a copy of your complaint filed with the Revdex.com, regarding the disputed Point Of Sale (POS) transaction that...

posted to your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter.Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience.When disputing Personal Identification Number (PIN) or POS based transactions on your Enhanced Jeanie debit card, we strive to resolve the dispute in as timely a manner as possible. Please be aware that if our research supports your dispute, any provisional credit issued will become final and remain in your account. However, if our research does not support your dispute the provisional credits will be debited from your account. After we have completed our investigation, a final resolution letter will be sent to you detailing our findings.On June 29, 2015, a POS transaction from [redacted] in the amount of $287.12 posted to your checking account. On July 8, 2015, you contacted the Bank to initiate a dispute for the [redacted] item since you indicate the online purchase was cancelled on your end and did not go through. We immediately opened an investigation and submitted a chargeback request to [redacted] in order for them to credit the funds to your checking account. Therefore, a provisional credit from the Bank for $287.12 and a POS adjustment from [redacted] in the amount of $287.12, both posted to your account on this day. On July 10, 2015, the Bank’s provisional credit for $287.12 was debited from checking account in order not to duplicate the POS adjustment credit from [redacted].During our investigation, the merchant indicated the transaction was valid and represented the POS transaction in question to your checking account on July 31, 2015. As a result, your dispute was denied and a notification letter was sent to the address on file at that time.We sympathize with the difficulties you have encountered regarding the denied POS dispute. However, our position on this matter has not changed and we are not able to credit your checking account for the [redacted] transaction. Therefore, you will need to work directly with the merchant in order to further pursue a refund for the item in question.[redacted], please be assured that it was not our intention to cause you any hardship and frustration. 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,Danielle S.Office of the PresidentPc: Revdex.com

[redacted]We have responded to this customer’s complaint twice. She does not provide any additional information in the 2nd rebuttal.Can you please advise the customer that we stand by our 2 previous responses and consider this matter closed?Thank you,Lisa S.| Fifth Third Bank Consumer Resolution Specialist| Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263P: ###-###-#### F: ###-###-#### email: [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.   
Once again the response clearly does not address the very valid questions that anyone in this case would have. Then once again clearly states the opposite of what I have been indicating since May 27, 2016 to the present time that the services to be rendered by attorney [redacted] for the charge of $350 on 5/26/2016 were not rendered.My questions have been stated clearly in the previous responses and have not been addressed in the slightest attempt. Please refer to the previous communication as far as addressing them. For me to type them again is a bit ridiculous at this point. Since again they have not even been addressed at all. Just responding saying services were rendered based off of my own letter detailing the reason for the dispute as being services were not rendered is not appropriate. As far as my own letter indicating that services were rendered is ridiculous when it clearly explains that the reason for the dispute entirely is because the information [redacted] said that she would obtain was not obtained for the $350. As I have stated several times as far as the documents used for the investigation, why one of them is not a response from [redacted] herself and why this would not have an income on the investigation outcome.I have also provided information about the extremely poor details and customer service regarding my dispute. Along with a very strange conversation with someone named Lemont who I was told is a manager in the dispute dept, the only other information you clearly need to obtain is from attorney [redacted] which has been over 90 days that she did not even respond which looks even more fraudulant on top of taking my $350 and doing nothing for it.Please address the questions and concerns that I have stated previously several times. The attempts to go around them clearly indicates a problem at Fifth Third Bank in regards to a customer filing a dispute. That is the reason already why this is at the level of the Revdex.com along with other financial business regulators.
Regards,
[redacted]

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

concerning your Basic Checking account and the Identity Alert service. We appreciate the time you have taken to document your thoughts and concerns. We completed a review of the Basic Checking account ending in [redacted]. Our review determined that the account was opened on August 18, 2015, but the deposit to fund the account was not made. On November 11, 2015, the account was closed and charged off with a negative account balance of ($200.00). Because the account was never funded, we have removed the reporting from [redacted]. I apologize for any difficulties you experienced when attempting to resolve this matter. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com

Per phone call from [redacted]:The business has resolved my complaint.Thank you
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

[redacted] Date: February 28, 2018 Account: [redacted] Regarding Your Fifth Third Mortgage Loan 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. We strive to provide quality service to all of our customers, and I apologize that we failed to meet your expectations. Please be assured that Fifth Third Bank takes your feedback seriously, and I have contacted the relevant parties to pass on your concerns. Because we had already disbursed a $4,713.51 tax payment on November 1, 2017, our Tax Department attempted to reach [redacted] by telephone to verify the additional amount due. Our records indicate that multiple attempts to reach [redacted] were made by telephone. These attempts were not successful, and the amount due was eventually verified through their website. Fifth Third sent a tax payment of $845.99 to [redacted] on January 2, 2018. The taxes were due for November 13, 2017, so Fifth Third paid the late fee and interest penalty for you. Please be advised that your upcoming 2018 tax payment will be processed from your escrow account as scheduled. We anticipate paying [redacted] $2,423.05 by May 10, 2018. If you feel this may have impacted your tax liability, please consult with your tax adviser. Since the full impact cannot be determined until future tax returns have been filed with the Internal Revenue Service, we invite you to revisit with us after you file your 2018 tax returns to discuss any impact. We apologize for any inconvenience. You are a valued customer and I appreciate this opportunity to address 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, Alison S.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.   Fifth Third bank has not sent any additional information regarding my complaints. Their response appears that they haven't even read my complaint. They have NOT stated how it is possible they have sent me two checks, yet only have record of one. They state I have not provided additional information, but they will not respond to what I have specifically stated in my response. Their agents over the phone can verify these payments made, and checks sent, yet the person handling their Revdex.com complaints doesn't have access to this same information, to logically respond to a complaint of a customer. They can consider this matter closed - a good customer extremely dissatisfied. If they can't even read through a complaint, and provide actual information in regards to it, I have no interest in continuing this back and forth. This is not a reputable company that can back anything up, or even attempt to resolve a complaint. I will not accept their response as it is clear they have not actually read anything I've sent - as they have not answered anything regarding my account information. With that, it is clear I cannot trust this company with my information either.For me, this matter is not closed and I have no issue containing to state what a terrible, untrustworthy company this is. Unless they would like to provide actual insight into my complaint and how they could not have this information, even after sending me a check, I need no further communication from them. 
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: April 11, 2018 Account: [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted]: We received copies of the complaints you filed with the [redacted] and the Better...

Business Bureau. 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. We strive to provide an exceptional experience to our customers and I am sorry we did not meet your expectations. Please be assured customer feedback is reviewed by our executive management team as part of our ongoing commitment to improving our operations. Fifth Third Bank did run a promotional offering that rewarded customers with a $750.00 cash bonus into their newly opened business checking account. The new business checking account had to be opened by November 29, 2017, and meet certain activity criteria in order to receive the bonus payout. Specifically, the account must reach a balance of $500.00 within ten (10) calendar days of being opened and that balance must be maintained for thirty (30) calendar days thereafter to receive the bonus. This Business Standard Checking Account ending in [redacted] was opened November 29, 2017, and was properly marked as being opened under this promotion. After a $3.00 Service Charge posted to the account on December 12, 2017, the balance remained under $500.00 until the Service Charge was reversed on December 20, 2018. In appreciation of your banking relationship with us, we are honoring the original $750.00 promotion. Your account was credited on April 9, 2018. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: [redacted]; Revdex.com

[redacted] Date: September 16, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

checking 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. I confirmed that you contacted the Bank on September 7, 2016, to dispute the $40.00 cash withdrawal you completed that was not dispensed. The case number for your dispute is [redacted]. Please note that federal regulations require the Bank to provide a provisional credit to your checking account within ten (10) business days of submitting the dispute. We provisionally credited the $40.00 to your checking account on September 13, 2016, which was four (4) business days after you filed the dispute. Enclosed is a copy of the letter we sent to you on September 13, 2016, about the provisional credit. Per the enclosed correspondence, you will have full access to use the $40.00 credited to your account while we research the dispute claim. Please note that if the dispute is not found in your favor, the $40.00 provisional credit will be removed from the account. If the dispute is found in your favor and approved, the $40.00 provisional credit will become a final credit. The Bank will submit a letter to you regarding the findings. If you would like to check on the status of your dispute in the meantime, please contact our Dispute Department directly at ###-###-####. The Dispute Department is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. Please provide the case number listed in this correspondence. 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 T. Office of the President Pc: Revdex.com Enclosure: Provisional Credit Letter

[redacted] Date: January 29, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding a recent ATM...

(Automated Teller Machine) transaction. We appreciate the time you have taken to express your concerns regarding this matter. Our top priority is to provide our customers with outstanding service. At Fifth Third Bank, we are continuously evaluating the service we provide to our customers. Your comments expressing less than quality service are very concerning. Please be assured that we take your feedback very seriously and the relevant parties have been contacted to express your dissatisfaction with the service you received. According to your complaint, you were recently using a Fifth Third Bank ATM and attempted to make a cash deposit to your checking account. While the ATM was processing your deposit, the machine went down and retained your card and the deposit. Our Disputes Department was contacted and case # [redacted] was opened to fully research your claims. The investigation was completed and on January 15, 2016, your checking account was credited $2.00. According to your complaint, you are not satisfied with the outcome of our investigation. Therefore, our Disputes Department has re-opened your case to further investigate your claims. We will have a final determined no later than February 10, 2016. Written confirmation will be sent to you from the Disputes Department once our investigation is completed. We strive to provide professional and accurate service and I apologize for any inconvenience this matter has caused you. You are a valued customer and I appreciate this opportunity to address your concerns. If I may be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com

The account is a HSA account. Do you want the account number posted on line ? Thank you [redacted]

[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

[redacted] [redacted] [redacted] Date: December 20, 2017 Account: [redacted] Regarding Your Fifth Third Checking 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. According to page nine (9) of our Digital Services User Agreement: “Within the Mobile and Online Banking Bill Payment section, we use the term "Deliver By.” This is the date that you want the payment to be delivered to a Payee. If the date falls on a non-business day, it shall be delivered the preceding Business Day.” A copy is enclosed for your reference. On November 27, 2017, you made a one-time payment for $854.00 to [redacted]. The due date you chose was December 1, 2017, because December 3, 2017, fell on a Sunday. The check dated November 27, 2017, was presented for payment by the payee on December 1, 2017. The beginning balance in your checking account ending in [redacted] on December 1, 2017, was $264.37. The payment for $854.00 was not paid due to insufficient funds and one (1) $37.00 fee was charged to the checking account the following business day. An overdraft notice that includes a detailed breakdown of the day’s transactions is generated and sent to the address on file. It is also viewable when you log into your accounts online or via your mobile device. You purchased a money order for $854.00 on December 4, 2017. Then, on December 5, 2017, the payee presented the check for payment again. The balance in the account was $14.06. The item was not paid due to insufficient funds and one (1) $37.00 fee was charged to the checking account the following business day. Because this payment was sent according to instructions provided by you, and covered by our Digital Services Agreement, we are not willing to reimburse you for any fees charged to you by the payee, or other merchants, while your account was overdrawn. The customer is responsible for ensuring that there are funds in the account to cover a bill payment when the merchant presents it for payment. As a courtesy to you, previous overdraft fees were waived on October 16, 2017, and on October 26, 2017. We strive to provide quality service to all of our customers, and I apologize that we failed to meet your expectations. We certainly sympathize with the difficulties you have encountered. In the interest of customer service, an additional $74.00 in overdraft fees has been reversed. Your account balance remains negative ($17.89). In addition, we have placed a stop payment order for the check number [redacted] dated November 27, 2017, to [redacted], so that it will not be paid in the event they attempt to present it for payment again. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. You are a valued customer and I appreciate this opportunity to address 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, Alison S.Office of the President Pc: Revdex.com Enclosure: Digital User Services Agreement

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 Bank is still not answering my question.  I have asked this question several times, both verbally and in writing, and I have now asked if through my Revdex.com complaint, but I have still not received a reply: If Fifth-Third Bank had reason to believe that the online payment was fraudulent, then why did they issue the payment? Not sending a payment that they believe to be fraudulent would be a much better internal control than mailing a check with a stop payment on it.  Their internal control is poorly constructed and they are hanging the account holder out to dry on the repercussions. They are also telling me that they tried to contact me.  The only contact that I received from Fifth-Third Bank is a letterhead that arrived at my home after after [redacted] had presented the stopped-check for payment.  I did not receive a voice mail from Fifth-Third Bank.  Their fraud department was unable to play me a recording of the message they claim to have left me.  The letterhead I received is also inaccurate.  It states that the stop payment was issued at my request.  This is not true.  i did not request a stop payment.
Regards,
[redacted]

[redacted] Date: October 9, 2015 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding...

your vehicle installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience 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. The payment due date for your vehicle installment loan is the 22nd day of each month. There is a payment grace period for your loan of fifteen (15) days. A payment received within the grace period is still considered late; however, a payment received within the grace period will not be assessed a late charge. The Bank does not send a monthly invoice for payments due on a vehicle installment loan. When your loan was initiated, it was set up to be paid using monthly loan coupons. According to our records, your loan is now paid by Fifth Third Auto BillPayer. Please refer to the table on the following page for the payment history on your loan as of October 8, 2015. Payment Payment Satisfied Past due Date Late Late Date Late Due Date Received Payment(s) for Charge Charge Charge Due Date payment Assessed Amount Reversed June 22, No Not June 22, July 7, $52.78 July 8, 2015 Payment satisfied 2015 2015 2015 Received July 22, July 29, June 22, July 22, August 6, $52.78 Not 2015 2015 2015 2015 2015 Reversed August 22, August July 22, August 22, September $52.78 Not 2015 10, 2015 2015 2015 6, 2015 Reversed September October August 22, August 22, October 7, $52.78. N/A 22, 2015 5, 2015 2015 and 2015 and 2015 The loan September September was also 22, 2015 22, 2015 assessed because a fee of the $15.00 payment because was the returned payment due to was insufficient returned funds due to insufficient funds October Not yet N/A N/A N/A N/A N/A 22, 2015 received Please be aware that when your loan is past due for payment, you may receive calls from our Collections Department. Our Collections Department will first attempt to call the phone number(s) that we have on file for you. If we cannot reach you at the number(s) that we have on file for you, we may attempt to call other phone numbers that are associated with you, or have been associated with you in the past. If we attempt to call you and discover that the phone number dialed is not a number where you can be reached, we will not attempt to call that number in the future. We regret any inconvenience this may have caused you. According to our records, most of the calls from our Collections Department were to the phone number ###-###-####. This is the only phone number that we have on file for you. Since we were unable to reach you at this number numerous times, we attempted to contact you at alternate phone numbers that we were able to find. If the phone number of ###-###-#### is not the best number for us to call to contact you, please contact our Customer Service Department and provide us with the best number for us to call. Our Customer Service Department can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET. Since there have been no errors made by the Bank, and one of the late charges has already been reversed, no additional late charges have been reversed at this time. Please also be aware that the payment of $1,055.50 that was processed by Fifth Third Auto BillPayer was returned due to insufficient funds. Please also be aware that Fifth Third Auto BillPayer will attempt to draft the payment a second time. The loan is still due for the August 22, 2015, and September 22, 2015, payments. Additionally, the regularly scheduled loan payment is due by October 22, 2015. 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, Adam P. Office of the President

An additional review has confirmed our
original findings. We have reviewed the ATM activity for the day you said you
made the deposit, October 1, 2016, and several weeks following; however, we did
not locate the funds. The ATM’s daily activity balanced, and no loose cash was
found inside the machine. In this circumstance, we would normally direct the
customer to file a police report, and I understand that you have already done
so. While we consider our investigation complete, we would offer all available
support to any further investigation done by local law enforcement.  Please also find below a copy of the letter being mailed to the customer. Thank you. [redacted] Date: December 19, 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 you have experienced in trying to resolve this matter and I appreciate this opportunity to respond to your concerns. You notified the Bank that an Automated Teller Machine (ATM) failed to complete your cash deposit for $1,200.00 and it was not credited to your account. Our Disputes Department opened the case number [redacted] and issued a provisional credit of $1,200.00 to the checking account on October 3, 2016. The credit was removed on November 15, 2016, when the ATM was found to be in balance. You contacted the Bank to question this resolution and we reopened this case. An additional review has confirmed our original findings. We have reviewed the ATM activity for the day you said you made the deposit, October 1, 2016, and several weeks following; however, we did not locate the funds. The ATM’s daily activity balanced, and no loose cash was found inside the machine. In this circumstance, we would normally direct the customer to file a police report, and I understand that you have already done so. While we consider our investigation complete, we would offer all available support to any further investigation done by local law enforcement. You are a valued customer and we would like to offer our sincere apologies for the inconvenience and frustration this matter has 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, Alison S.Office of the President Pc: Revdex.com