PROCORPSA

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

the opportunity to speak with 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. Please find enclosed a copy of your checking account statement ending July 13, 2013. At the bottom of page two (2), you will find a credit of $816.66 dated July 3, 2013. According to our records, that is the final credit issued by our Disputes Department for the disputed Automatic Clearing House (ACH) debit from [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 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: Account statement

Per your request, the account number is [redacted]. I couldn't find a way on your system to send you an update to my complaint, so hope this...

will reach you.  I wanted to advise that we received the check on July 31st. Therefore, that portion of the complaint has been resolved.  I still have a problem with the customer service received from the company, but there is nothing to be done about that other than have the complaint reflected on your website.Thank you for your help in resolving this matter.

5050 Kingsley Drive MD 1MOCOP Cincinnati OH 45263 [redacted] Date: October 20, 2015 Account: [redacted] Regarding the Overdraft Fees Assessed to Your Checking Account Dear [redacted]: We received a copy of...

the complaint 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 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. On September 11, 2015, the beginning balance in your checking account was $223.34. A direct deposit of $2,492.54 was credited to your account that day. Eight (8) items totaling $2,816.83 were also debited from your account that day, leaving your checking account with a negative ending balance of ($100.95). Due to insufficient funds, your $149.00 payment to [redacted] was returned unpaid. Therefore, a $37.00 returned item fee was assessed to your account the following business day. On September 16, 2015, and September 21, 2015, [redacted] re-presented the $149.00 payment. It was returned unpaid both times due to insufficient funds. It is important to note that 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 or more times in an effort to collect the funds. Two (2) other payments were also presented for payment more than once during the time your account remained overdrawn. On September 14, 2015, a $100.00 payment to [redacted] and a $50.00 payment to [redacted] posted to your account and were both returned unpaid due to insufficient funds. On September 17, 2015, both payments were re-presented by [redacted] and [redacted]. The $100.00 [redacted] payment was paid, but the $50.00 [redacted] payment was returned unpaid due to insufficient funds. On September 22, 2015, your checking account was brought to a current balance. On that same day, the $50.00 payment to [redacted] was presented for payment a third (3rd) time and was paid. I have enclosed copies of the overdraft notices that were sent to you September 14, 2015, through September 22, 2015, for your review. These notices detail the items that posted to your account and the fees that were assessed. It was certainly not our intention to cause you any hardship. On January 26, 2015, we waived two (2) overdraft fees totaling $74.00. Unfortunately, we are unable to waive any additional fees due to bank policy. I am sorry for any frustration this may cause you. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides additional information related to the overdraft fees that were assessed to your account, and ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage and protection options is also provided on the enclosed document. Please feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. 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 Enclosures (7): Overdraft notices, Overdraft Solutions document

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.  This response is unacceptable. The majority of the response is how I was late and does not go into he reasoning behind it which was explained to the collection agency or the poor and aggressive response provided.  The response falsely and inaccurately portrays the collection agencies responses.  He wanted payment upfront for March and I even questioned him on this.  There was no mention of coming up soon.  It was a demand not a request.  The initial comments was that 600 + dollars was owed not that it was not that half was not yet due.  I wNt a call to discuss this with the bank.  They have not adjusted their policies or reimbursed me for my time.
Regards,
[redacted]

[redacted] Date: May 22, 2015 Account: [redacted] Re: Business Checking Account Dear [redacted]: We received a copy of your complaint 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. On April 17, 2015, you filed a dispute with us for a purchase with [redacted] on April 3, 2015, in the amount of $1,262.87. This type of dispute is called a merchandise based dispute and can take up to 120 days for our Dispute Department to conduct their investigation and make a decision. Should their research support your dispute, final credit will be issued to your account. However, if their research does not support your dispute, they will notify you by mail. If you have any questions or additional concerns while our Dispute Department conducts their investigation, you may contact [redacted], Disputes Servicing Specialist, at ###-###-####. 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

I am not rejecting the response, but I feel I should wait to accept it for 30 days, so I can ensure that their late reporting to credit bureaus have been fixed.Revdex.com:If this doesn't fit with your process, I can accept the response, and check my credit in 30 days and file again if needed.Let me know what works for Revdex.com.
Regards,
[redacted]

[redacted] Date: December 13, 2016 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 opportunity to further address your concerns. On behalf of the Bank, I apologize for the frustration this situation has caused you. However, we stand by our previous correspondence dated November 21, 2016, and December 5, 2016, regarding the insurance payments to your loan and the payment history reported to the credit reporting agencies. Our position on this matter has not changed. For your reference, I have enclosed copies of our previous correspondence. We have no additional information to provide and consider this issue closed. 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 Enclosure: Previous Correspondence (2)

[redacted] Date: June 30, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding overdraft fees charged to your...

checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. It was certainly not our intention to cause you any undue hardship. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. To assist you with monitoring your account, our toll-free Telephone Banking system is available twenty-four (24) hours a day at ###-###-####. Our Customer Service Professionals can be contacted at the same telephone number and are available Monday through Friday from 7:00 AM to 8:00 PM Eastern Standard Time (EST), and on Saturday from 8:30 AM to 5:00 PM EST. You can also access your account information at an ATM (Automated Teller Machine), on our Internet Banking website at www.53.com, and on your mobile device through our Mobile Banking service through 53.mobi. Additionally, a free account alert can be sent to up to four (4) e-mail addresses and one (1) mobile device when your account balance falls below an amount that you specify. These alerts can be setup through our Internet Banking at www.53.com. If your available balance is not sufficient to cover items that post to your checking account, the posted items may be returned unpaid and subject to overdraft fees. The per item overdraft fee is based on the number of occurrences in the last twelve (12) months. For the first occurrence, you will be charged $25.00 per item. For any additional occurrence, the charge is $37.00 per item. Should the account become overdrawn, we also send an overdraft notice via standard mail to inform you of the occurrence, which includes a detailed breakdown of the day’s transactions. I have enclosed a copy of our Rules & Regulations handbook that you received and agreed to when signing a signature card to open the checking account. Pages 3, 11, and 12 provide additional information regarding overdraft fees. Your checking account became overdrawn on June 13, 2016, when the beginning balance in your checking account was $507.21. Twenty-three (23) debit transactions totaling $552.79 posted to the account that day, creating an ending available balance of negative ($45.58). Since you did not have enough funds in your account to cover two (2) of the transactions that posted, your checking account was charged two (2) overdraft fees of $37.00 each on the following day. On June 14, 2016, the beginning balance in your checking account was negative ($45.58). Nine additional debit transactions totaling $223.36 posted to the account that day, creating an ending available balance of negative ($268.94). Since you did not have enough funds to cover the nine (9) transactions that posted, your checking account was charged nine (9) overdraft fees of $37.00 each on the following day. Your checking account remained overdrawn on June 15, 2016, with a beginning balance of negative ($268.94). Five (5) additional debit transactions totaling $319.50 posted to the account that day, creating an ending available balance of negative ($588.44). Since you did not have enough funds in your account to cover four (4) of the transactions that posted, your checking account was charged four (4) more overdraft fees of $37.00 each on the following day. It is important to ensure that your account has enough funds to cover all of the transactions you have authorized. As a valued customer, we reversed $74.00 in overdraft fees on June 17, 2016. However, we sympathize with the difficulties you encountered with your account. Therefore, as a courtesy to you, we reversed additional fees totaling $100.00 on your checking account on June 22, 2016. You may want to consider adding Overdraft Protection to your checking account. We offer several types of overdraft protection. We can connect a second account such as another checking account or savings account, or you can apply for a credit card or equity line, which can be connected to your checking account in order for funds to be automatically transferred in case of an overdraft situation. With Overdraft Protection, you are charged one (1) Overdraft Protection transfer fee of $12.00 instead of an overdraft fee of $25.00 per item for the first overdraft occurrence, or $37.00 per item for each additional occurrence. If you would like more information about Overdraft Protection, you can visit your local Financial Center or contact our Consumer Contact Center at ###-###-#### to setup Overdraft Protection for your checking account. We appreciate your patience while waiting for a response. You are a valued customer and we hope you will allow Fifth Third Bank to service your financial needs for many years to come. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., EST. Sincerely, Lisa S.Office of the President Pc: Revdex.com Enclosure: Rules & Regulations handbook

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

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 was no reason to the bank to continually resubmit payment to generate more fees, these were not charges, they were payments form my account hta ti initiated, they could have simply called me and asked if I wanted to postpone the payments, but they kept resubmitting to generate as many fees as possible. Their process is flawed and set up to get as much out of their customers in fees as they possibly can. 
Regards,
[redacted]

6-28-17 Hi, Fifth Third Bank has restored my funds. Thanks for your help, I appreciate it very much. Best wishes, [redacted]

[redacted] [redacted] [redacted] Date: January 7, 2015 Application: [redacted] Regarding Your Recent Mortgage Loan Application Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your mortgage loan application. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. While we regret the negative experience you have had with Fifth Third Bank’s Mortgage Department, we do not have any additional information regarding this matter. I have enclosed a copy of the previous letter that I sent on December 15, 2015. Please be aware that the Revdex.com closes an active case once the response to your concerns is sent. 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: Previous Response Letter dated December 15, 2015

[redacted] Date: July 15, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: Thank you for contacting the Revdex.com concerning your installment loan with Fifth Third Bank. We appreciate the time you have taken to express your...

concerns regarding this matter. The loan you have with Fifth Third Bank was funded for $32,744.50. On June 8, 2015 there was a payment that was posted to your account in error for $396.84. The item presented on that day had your installment loan number notated on the face of the item. On June 15, 2015, the error was corrected and the item debited from your loan. On June 15, 2015, a payoff quote was issued for $32,486.97. Due to processing, the payoff included the item that was posted in error. At the time the payoff quote was given, there had been no payments by you for the loan. We received a payment of $497.98 on June 23, 2015 and posted the item to your account. On June 23, 2015 we also received a check for $32,028.99 and posted it to your account. At the close of business on June 23, 2015, the outstanding balance on your account was $375.78. That total represents the balance left payable by you on your installment loan. Once a final payment is made to this installment loan for the outstanding balance, which as of July 9, 2015 is $376.30 with a $.03 per diem, Fifth Third will be able to release the lien on the title. We apologize for the error that was made in the processing of an item on your account. Had we posted a check from you to an incorrect account we would have corrected the issue for you just as we did for the customer who notated your account number in error. You stated in your complaint you had a copy of the item that never cleared your account. If you are able to send me verification of an additional processed check other than the one mentioned that posted on June 23, 2015, please forward a copy of the item to me and I will work with you to correct the error. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Beth H. Office of the President

[redacted] Date: December 21, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding the car title...

held for collateral for your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. It was certainly not our intention to cause you any undue hardship and we sympathize with the difficulties you encountered. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. I understand your frustration when this situation occurred. However, our Consumer Contact Center strives to provide professional and accurate service during every telephone call they receive throughout the day. I am sorry if your telephone call experience did not meet the same high standard. Your vehicle loan was paid in full on November 19, 2015, and the loan was closed that same day with a zero balance owed. We do not release the lien on a vehicle title for approximately five (5) to seven (7) business days after receiving the payoff to ensure that the payoff we receive is not reversed for any reason. We have verified that the lien was released from the [redacted] and the title was mailed on November 27, 2015. According to your complaint, you did not receive the title. Therefore, on December 14, 2015, we issued a check for $11.00 and sent it to the address listed above in order to assist you with ordering a duplicate title from the State of [redacted]. In addition, we also included paperwork which confirms the release of the lien for this particular vehicle loan. I hope this letter addresses all of your concerns and you are satisfied with the resolution. We appreciate your patience while we researched this matter. You were a valued customer and we sincerely hope that you will consider using Fifth Third Bank for your financial needs in the future. If I may be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####. Sincerely, Lisa S. Office of the President Pc: Revdex.com

[redacted] Date: May 24, 2016 Account: [redacted] Regarding Your Fifth Third Bank Platinum [redacted] Dear [redacted]: We received a copy of the follow up complaint you filed with the Better Business...

Bureau, regarding your credit card account. We appreciate the opportunity to respond to this matter. The Bank received your original complaint on March 22, 2016. We received a duplicate complaint you filed with the [redacted] on March 30, 2016. We received your latest correspondence on May 18, 2016. However, we stand by the responses conveyed to you in the previous letters sent on April 1, 2016, and April 4, 2016. Our position on this matter has not changed. If a payment does not post by the due date, it is subject to collection activity. The Bank’s guidelines for contacting customers allow for telephone calls seven (7) days a week from 8:00 a.m. until 9:00 p.m., including holidays. Several calls may be placed each day in an effort to remind customers that a payment is due and to obtain payment arrangements to prevent late fees or derogatory credit bureau reporting. Please accept my sincere apology for any inconvenience or concern this situation may have caused you. Per your request, we have removed your telephone number from our systems. You will no longer receive telephone calls regarding the delinquent status of your credit card account. Please note that this does not stop other collection activity related to the delinquency, including late charges, finance charges, or reporting to the credit bureaus. Because you did not make the minimum payment due for your credit card statements dated December 6, 2015, and January 6, 2016, the Bank revoked your access to make transactions with your credit card on February 5, 2016. When a card is revoked, the customer will receive statements, and are responsible for making payments toward the balance. However, the Bank does remove your ability to make payments through our website, 53.com. If you would like to make payment arrangements for your credit card, please contact our collection department at ###-###-####. A collection agent is available to assist you, Monday through Friday, 8 a.m. to 9 p.m.; Saturday and Sunday 8 a.m. to 5 p.m., ET. Please note, the collection department will be able to schedule three (3) future payments; however, they are not able to schedule a long-term recurring payment. Thank you for your patience while waiting for a response. We sincerely hope this information will help you understand our position going forward. 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 Enclosure: Prior Responses

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]

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.  I am hopeful that the resolution will be reflected on my bill as stated in the letter and will be able to confirm this once I get my next month's statement.  Thank you very much for your help in this matter.  I really appreciate your efforts and helping customers make things right.  Thanks again!
Regards,
[redacted]

[redacted] Date: March 14, 2016 Account: [redacted] Regarding Your Revdex.com Complaint Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding...

your Fifth Third Bank accounts. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. Our research determined the transactions conducted by a third party on your checking and savings accounts were initiated by your designated power of attorney. On September 25, 2013, [redacted], visited the [redacted] Bank Mart and provided the manager with the enclosed POA document, which authorizes her to conduct banking transactions on your accounts. I have also enclosed copies of your account statements, and withdrawal tickets for the applicable time period. In your complaint you mentioned that there were unauthorized ATM (Automatic Teller Machine) transactions on your checking account. It should be noted, that there was a dispute filed regarding the $900.00 in ATM withdrawals. The dispute department opened a case (#[redacted]), and you were provided provisional credit for the four (4) ATM transactions on June 6, 2013, while the investigation was pending. Our investigation determined the transactions were done by a woman, who had also made a number of withdrawals in the past that you did not dispute. This women was determined to be your mother and power of attorney. Therefore, the provisional credit was removed from your account on June 10, 2013. I hope this correspondence cleared up any outstanding questions you had related to this issue. 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

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 was never informed of any negative amount on the account. I never received any notices of negative amounts. When I became aware of negative amounts I called and was told that they could not discuss the account with me. How can I be held accountable for an account that I have no access to and cannot close. I have had Mt acc I nuts with your bank with no incidents. I don't know what my daughter did or did not do because I was given minimal information. Whatever repercussions come with her negative account should be directed to her.  I manage my accounts responsibly and wish only to maintain a positive relationship with your bank. I find it unfair that you try to punish me for a referral gone bad, but would not have awarded me for any positive experiences. If fake checks were deposited why wasn't the account closed after the first one and a phone call made? My number has not changed and I have not received a call or a notificationvia mail, email or customer bank alerts. Please remove my name from [redacted] and put that burden on whom ever signed the deposited fake checks.  There are no attachments as mentioned in the previous email, but I assure you that my signature is not on any of them. My funds come primarily from direct deposits from my employers. Any check that I deposited has been under $100 and was 100% valid. 
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.  
Regards,
[redacted]  I don't agree with what was updated on my credit report because Fifth and Third Bank decided to increase my balance from $8,642 to $13,139 after 7 years. Why wasn't it updated over the years? Why did I have to dispute it for them to added incorrect information to my report? I feel this should be removed because its 7 years later that they decided they want to add this information.  [redacted]