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.   
The issue was only partially resolved.  The balance on the account was brought to zero, but the item still remains on my credit report.  The response from the business stated that the account was not reported, but there is a collection from Fifth Third for $197 on my [redacted] report that was reported on August 1.  I have not checked the other two credit bureaus yet.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  I did review the response from Fifth Third and the situation has not been handled or even properly addressed. The executive wrote about an overdraft fee from June 15th, a $37 fee. This was not a concern, I had already had to call on the 16th and speak to a representative about that.She did not mention the events on which  I sent the complaint, On the 24th, there was a $37 feeThere was another on the 25th, for $37. Both of which I own up to and is my fault but it is everything after that I have an issue with. The next day on the 26th a check was deposited for $445, which the bank held to post until the 29th. Another late fee posted on the 26th, for $74. I spoke with a representative on the  on the 29th, she told me that deposit could be held until the July 7th, though I had chased the exact same check the last week. She did reverse $49 from the total over all fees. Minutes after getting off the phone, another $37 over draft fee posted. I then had to call and speak with a supervisor on June 30th, who said he could only reverse the most recent $37 fee.   I was charged $185 for a 4 day period and was told I was charged (1) $37 fee. I also didn't appreciate being told " out of concern for customer care" that they returned $74.They charged that fee while money was available and I had to put all the effort in to call many times. Thank you so much for your time and help. 
Regards,
[redacted]

[redacted] 
[redacted] 
[redacted] Date: June 17, 2016 Regarding the Inquiry on Your Complaint Dear [redacted]: We received your Revdex.com complaint regarding your prequalification for a mortgage loan. We appreciate the time you have...

taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, I apologize for the difficulties you have experienced. It was certainly not our intention to cause you any undue hardship or frustration. Your comments expressing less than quality service are very concerning and we regret the difficulties you experienced. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. 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. Additionally, I was able to confirm that as you requested your husband’s credit was not run. Please be advised the Federal Housing Administration (FHA) preapproval require a secondary review for FHA rules compliance and can result in delays as the prequalification of your husband by himself would start a whole new application process. We appreciate your patience while we researched this matter and apologize for any inconvenience this situation 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, Shannon K. Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. The company has not addressed the dispute at all. They are indicating that we initiated a payment to a company that we do not do business with now or in the past.  This is a minor account and have only used this account for the sole purpose of savings. There needs to be a refund into our son's account.
[redacted]

[redacted] Date: February 1, 2018 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your checking account....

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 feedback is 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]. On December 13, 2017, your account balance was $7.65. On December 14, 2017, your monthly maintenance fee in the amount of $11.00 was assessed to the account, which brought the account balance negative in the amount of ($3.35). I have enclosed your statement dated January 12, 2018, which shows this information for your review. An additional maintenance fee was assessed on January 16, 2018, bringing the account balance to ($14.35). On January 29, 2018, in the interest of customer service, a total of $15.00 in maintenance fees were waived, bringing the account balance to $0.65. As we discussed by telephone, however, we are unable to provide an additional credit for a cash amount that was mailed to the Bank but not received. We regret any difficulty this may have caused you. As we also discussed by telephone, both your checking account ending in [redacted] and your savings account ending in [redacted] are assessed monthly maintenance fees, however, there are activities that allow you to waive the fee(s). The enclosed statement explains the ways that a maintenance fee can be waived. I have also enclosed a copy of the Deposit Account Rules and Regulations, which detail the month service charges on page twenty-five (25). Per your request, on January 29, 2018, both your checking account and your savings account were closed. Please find enclosed a check for the remaining balance in the accounts totaling $4.90. Thank you for your patience while waiting for a response. We regret that you felt the need to close your accounts, and we certainly hope you will reconsider using Fifth Third Bank for your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M. Office of the President Pc: Revdex.com Enclosures: Statement Dated January 12, 2018, Deposit Account Rules and Regulations, Check

[redacted]l [redacted] Date: July 24, 2017 Account: [redacted] Account: [redacted] Regarding Your Checking and Credit Card Accounts Dear [redacted]l: We received a copy of your complaint filed with the Revdex.com...

(Revdex.com) regarding your checking account and [redacted] 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. Thank you for taking the time to speak with me about your accounts and the Overdraft Protection transfer that took place. As we discussed, our records reflect that your application for the [redacted] ending in [redacted] was flagged for Overdraft Protection. When the credit card was opened, it was automatically linked for Overdraft Protection. If an Overdraft Protection transfer is processed, the Bank assesses a $12.00 Overdraft Protection fee. On May 3, 2017, there was an overdraft on your checking account. Per the enclosed Overdraft Notice, the ending balance in the checking account on May 3, 2017, was negative ($73.01). Due to your Overdraft Protection, we automatically transferred $85.01 in cash off the credit card and deposited the funds to the checking account on May 4, 2017. The $85.01 included $73.01 to cover the overdraft amount and $12.00 for the transfer fee. As we discussed, enclosed is a copy of the May 2017 checking account statement that shows the $85.01 deposit to the checking account on May 4, 2017. The deposit is listed as Overdraft Transfer From x[redacted]. Because $85.01 was transferred off the credit card, the credit card shows the $85.01 transaction also. The account became overdrawn again on May 4, 2017. The $85.01 Overdraft Protection transfer was sufficient to bring the account to a zero ($0) balance based on the previous day’s activity. However, three (3) more debit card transactions posted to the account on May 4, 2017. The ending balance in your checking account on May 4, 2017, was negative ($36.63). You completed a $500.00 online transfer from your savings account to the checking account that day. However, as we discussed, the transfer was completed after the cut-off time of 9 p.m. As a result, the funds transfer was processed for the business date of May 5, 2017. Because the account was negative when the funds were transferred, the full $500.00 you transferred was not available as it covered the negative balance in the account. I confirmed that the Overdraft Protection was disconnected as you have requested. As we discussed, the credit card is no longer linked to your checking account to automatically transfer funds in the event of an overdraft. The account will be subject to applicable overdraft fees in the absence of Overdraft Protection. We also spoke about Overdraft Coverage. You are opted in to Overdraft Coverage, which means the Bank can approve one (1) time debit card transactions even if there are insufficient funds to cover the transaction. As a result, overdraft fees can be assessed. If Overdraft Coverage is declined, the Bank will decline one (1) time debit card transactions if there are insufficient funds. Because the transaction is not approved, an overdraft fee is not assessed. You confirmed that you would like to remain opted in to Overdraft Coverage. Please note that you can change your Overdraft Coverage preference online at 53.com, at a banking center, or through an automated phone system at ###-###-####. Page fifteen (15) of the Rules and Regulations provides information about Overdraft Coverage. While our records show that it was selected on your application to have the credit card linked for Overdraft Protection, we are unable to locate a copy of the signed application. Because we cannot confirm your selection, we waived the $12.00 Overdraft Protection transfer fee from the checking account. A previous representative waived a $25.00 late fee and $0.01 in finance charges from the credit card. I waived the remaining $3.87 in finance charges on the credit card associated with the Overdraft Protection transfer. This created an overpayment of $2.81 on your credit card account that I have transferred to your checking account. All fees associated with the Overdraft Protection transfer have been waived. I confirmed that there are no late payments for the credit card account on your credit report. You advised during our conversation that you would attempt to answer the calls from our Collection Department about the credit card, but then the line would hang up. I am very sorry for the distress this caused you. Please be assured that I have provided our Collection Department with this information. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Checking Account Statement, Credit Card Statement, Overdraft Notice, Rules and Regulations, Overdraft Coverage Enrollment Form

[redacted] Date: April 11, 2017 Account: [redacted] Regarding Your Vehicle Lien Release Dear [redacted]: We received a copy of the complaint that you submitted to the Revdex.com regarding the...

lien release for the vehicle securing your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. During our research, we confirmed that we mailed the lien release for the [redacted] to [redacted] on March 13, 2017, March 30, 2017, and April 7, 2017. The lien release was mailed to the following address: [redacted] On April 11, 2017, our Collateral Department spoke directly with an employee at Premier Source Credit Union and verified that the lien release was mailed to the correct address. The employee at Premier Source Credit Union informed our Collateral Department that they would order a duplicate title once they receive the lien release. If [redacted] does not receive the lien release, please contact me immediately at either number below. I verified that [redacted] requires the original lien release, so we are not able to fax it to [redacted]. Thank you for your patience while we conducted our 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

Please find below the text of the letter being mailed to the customer. All enclosures were previously attached in our original response. Thank you.[redacted] Date: February 15, 2017 Account: [redacted] Account: [redacted] Regarding Your Recent Debit Card Dispute Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com concerning your recent debit card dispute. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We received your original complaint filed with the Revdex.com on January 11, 2017. We received your follow up correspondence on January 31, 2017. However, our position on this matter has not changed. Please find enclosed a copy of our prior correspondence dated January 26, 2017. I hope this correspondence answers any remaining questions you have regarding this matter. Hotel (Resort) Fee: On September 13, 2016, a $270.75 charge posted to your checking account, the merchant was [redacted]. The merchant provided the following documents which disclose the daily resort fees: [redacted] Coupon which states, Additional fees: $30 daily resort fee plus tax paid at check-in. ** September 1, 2016, you contacted The Inn [redacted] and were informed that the $30.00 resort fee was not included in the [redacted] Price. ** The $270.75 charge consisted of $225.75 in resort fees and $45.00 for the missing mirror. Based on your most recent complaint, we have contacted the Dispute Resolution Department (DRD) who has reopened their investigation pertaining to the missing mirror. The reassertion can take thirty (30) days to process. Upon receiving this response, please contact the DRD and reference case [redacted]. Please provide any documentation you have regarding the missing mirror to the DRD. You can fax the requested information to ###-###-####. Please ensure your case number is on the requested documentation. Any questions regarding your case can be directed to the DRD at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday 8:30 a.m. to 5 p.m., ET. Provisional Credit: For your convenience we have also enclosed the provisional credit letter mailed to you on November 17, 2016. This letter informed you that the Bank had provided you with credit for the full amount. It should be noted, this credit was not permanent, and the investigation was still ongoing. On January 3, 2017, the Dispute Resolution Department closed their investigation and denied your claim that the charge was unauthorized. Please find enclosed the documentation provided to the Disputes Resolution Department from the merchant. The letter informed you that the provisional credit would be removed from your account. Included in the merchant’s documentation is a letter from the merchant dated December 7, 2016. As mentioned in our original response, the Disputes Resolution Department considers this investigation closed. You will need to contact the merchant regarding the missing mirror. New Debit Card Issued: In your follow up complaint you mention the Dispute Resolution Department did not replace the debit card used for the transactions with The Inn [redacted]. It should be noted, because case [redacted] was a non-fraud investigation, the Dispute Resolution Department did not block and replace your card. Had the charges been unauthorized and fraud was found on your account, the Dispute Resolution Department would have blocked your debit card and reissued a replacement card to you. We appreciate your patience while we researched your request. 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 Response Merchant Documents Provisional Credit Letter

[redacted] Date: March 17, 2017 Account: [redacted] Regarding Your Transaction Dispute Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

your transaction dispute. 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. On February 28, 2017, our Disputes Resolution Department opened case number [redacted] to investigate your dispute of a transaction in the amount of $343.88 from [redacted] that posted to your checking account ending in [redacted] on February 17, 2017. During their investigation they discovered that the disputed transaction was a recurring payment that you attempted to cancel on the same day it was supposed to be withdrawn from your account. Therefore, your dispute was denied and a letter was sent to you on March 1, 2017, informing you that your dispute had been denied. The denial reason was listed as follows: Cancellation for a preauthorized transfer must be provided to the merchant prior to the posting date of the preauthorized transaction. I have enclosed a copy of the denial notice for your convenience. Please note that the disputed transaction of $343.88 was returned unpaid on February 21, 2017, and a returned item fee of $37.00 was assessed. The returned item fee of $37.00 was waived on February 28, 2017, when you contacted the Bank about your dispute. Because the transaction was returned unpaid and your dispute was denied there are no funds to credit to your account. Thank you for your patience while we conducted our research. We value your business and look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted]
[redacted]
[redacted]
Fifth Third
Bank
5050 Kingsley
Drive
MD 1MOCOP
Cincinnati, OH
45263
                                        ...⇄ March
23, 2016
Dear April Q.:
We have
received a copy of your letter dated March 15, 2016 in addition your attachment’s.
We appreciate the time you have taken to respond to some of our requests.
We would like to
redirect your attention to our prior letter, in which your recent letter
deflects many of our questions and concerns. Fifth Third appears to be dancing
around our evidence and submitting us a template apology letter. Please stop.
We have taken the opportunity to bold type all ignored questions.
We reference
you to Exhibit A, a letter from you
dated January 22, 2016 that states we would have a response mailed to us within
fifteen (15) to twenty-five (25) days. Please note that your response was
received to our PO Box on February 21, 2016 which is in excess of the time
frame noted in your letter.
(Please comment to why Fifth Third Bank
is not held to the same standards of timeliness?)   Thank you for your review of the United States
Postal Service Receipts that we supplied to you. We have to pay additional
monies in order to insure us the security that our payments are being received
when they are delivered. You state in your letter that the receipts provided
list expected delivery dates, which are not guaranteed. Finding it odd for
the Federal Government to offer a two-day (2) mailing service and charge the
consumer for something that is not guaranteed we took it upon ourselves to
further investigate. We bring your attention to Exhibit B. We spoke with the post master of the [redacted] post
office, which is a branch of the United States Postal Service. We were provided
and advised that all bar codes that are on the receipts, in which we supplied
to you are scanned and signed for, just like shown in the exhibit. Fifth Third has the abilities to go on line
under the USPS tracking and pull up all tracking to show when you
received our payments vs.
how long it took Fifth Third to cash check. Prove to us that the check was received by your branch on the 31st
day.
We also formally request copies
of the voicemail loggers that you note in your letter requesting pull dates to
be changed, and a copy of the voicemail logger from July 2015 when we called
requesting Fifth Third to review our escrow account. As well as the
conversation that [redacted] had in June 2014 with your representative that
agreed the two 2014 31 day late was in fact bank error not our and would have
removed. These
loggers were also requested via your voicemail on March 24, 20216 at 12:30 pm.
Please also review your
own escrow statement WE ARE NOT INSURED with Tri State since July of 2015 we
are insured with [redacted]. Your paperwork is extremely sloppy, as was the
handling of our escrow.
Thank you for
reviewing our payment history and believing that there was no bank error, but we
are forced by evidence to disagree. It is not our error for the poor management
by the bank in how long it takes for your employees to process our payment. It
is odd that in review of your letter dated February 11, 2016 all the alleged
“30 day” late payments are literally alleged at (1) one day late. This brings
us back to our first paragraph in this letter. (Please address) -Which then
brings us to our monthly increase of ($400) four hundred dollars a month due to
“low escrow”, and the added stress due to poor management of our account. Which
leads to ask the question on how Fifth Third determines a payment is “late”. Is
it determined by receipt of the check by Fifth Third bank? or is it determined
by when the check is cashed? Either way I would like documentation to that
effect so going forward there is no confusion.
[redacted]We are requesting
again proof to when you were in receipt of our checks from 2014/2015 and how
long it took your company to process those checks to make the 31st
exactly. Prove to us when your office received. Your alleged stamp dated check
that you have provided, cannot been seen in what you supplied – and is not
proof to how long it took your organization to post those checks once it reach
your bank.
On January 26,
2016 your Escrow Department updated our escrow portion of the monthly payment
to reflect the insurance premium. Because of this, effective February 1, 2016
we received a new mortgage payment of $3124.01. This request for an Escrow
review, was made via telephone to Fifth Third Bank back in July 2015. At that
time we advised the Fifth Third representative of our new Home Owners carrier,
[redacted], along with the reduction of premium. Our request went unacknowledged.
  
Fifth Third
Bank, alleges that upon review of our escrow account, you then issued a Home
Owners payment to [redacted] on August 3, 2015 in the amount of
$2097.00. and was returned by [redacted] to Fifth Third on August
27,2015, due to the Fifth Third Bank error. Fifth Third Bank then on September
18, 2015 decided to review our request for the escrow account to be reanalyzed
and determined a reanalysis was not require. This does prove that Fifth Third
received our request in July 2015 but took (2) two months for Fifth Third Bank
to complete. [redacted](Please address 3/16)
Please refer to
Exhibit C (2) two letters dated
January 26,2016 from Fifth Third Bank. These letters state “we have corrected the amount of your monthly
payment”. Fifth Third Bank admits to bank error once again. [redacted](Please address 3/16)
We spoke on
February 22, 2016 and we advised you that on our Mortgage Loan Statement dated
2/11/2016 for our March 2016 statement there was a charge for a past due
payment of $6.13. (Your response in your
March 2016 letter does not address why this $6.13 was not shown or documented
in your prior letters what took 2 months for this to show up on a bill) Please
refer to Exhibit D. As such our January
11, 2016 statement did not note this “past due payment”? Also our conversation
with you in January 2016 you advised that our account was current. Also our
February 8, 2016 payment was cashed on February 12, 2016 which is prior to the
(15) Fifteenth of the month. So why would this “past due payment” be reflected
in March but not February? Another Fifth Third Bank error? 
On behalf of my
husband [redacted] and I we are unable
to accept apologies from Fifth Third
Bank due to their poor handling of our mortgage account. We have owned (3)
three homes and (2) two currently and have never incurred these issues over the
past (18) eighteen years. Should Fifth Third wish to do the right thing and
provide quality customer service to us as the consumer we are willing to work
with you. Based on the errors noted above we are again requesting Fifth Third
to remove these alleged (1) one day past (30) thirty day late off our credit
report. Please refer to Exhibit F.
As you can see by our credit report we have been perfect for years, only issue
being Fifth Third Bank. We are aware of the over (10,300) ten
thousand three hundred complaints to the Revdex.com and multiple
Class Action law suits against Fifth Third Bank, so we are not the only ones
with issues.
If Fifth Third is
unwilling to work with us to address these concerns, we will continue to work
on this to restore our perfect credit. We
will not stop or just go away, and allow ourselves to be bullied. There are
plenty of other banks around. Then once we get our perfect credit that has been
tarnished by the likes of Fifth Third corrected we will re finance with another
mortgage company – that works with their customers and their customers’ needs
instead of attempting to scar their customers with unfair practices. 
We are also putting Fifth
Third on formal notice that after 12 months – per your letter, effective
February 2017 we will be pulling our escrow account from your bank. If this is
not allowed at that time we will take further action.
It is obvious that Fifth Third
Bank does not respect us as customers and does not want as customers. We will
get our credit cleared with or without your assistance, and if it is without
your assistance we will re finance with another carrier even if it means for a higher
interest rate. Word of mouth is the best advertising or the worst. Please stop
with your form letters of empty apologies.
We formally
request that your revisit your prior letter and provide us with the customer
service that we deserve. Thank you for your time and attention to this matter.
Sincerely,
[redacted]
Pc: RevDex.com

[redacted] Date: May 31, 2017 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com (Revdex.com)...

regarding your mortgage loan. We appreciate the time you have taken to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced. Please be assured we have researched this matter fully. 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. Thank you for taking the time to speak with me on May 22, 2017, regarding this matter. In your complaint and during our telephone conversation you stated you were unsure how and where to make a mortgage payment while you were in [redacted]. On behalf of the Bank, please accept my sincere apologies for the difficulties you experienced trying to contact our customer service department at ###-###-####. We have reviewed the call you made to the Bank on May 22,2017. The agent correctly informed you that your due date is the first of every month, and your mortgage loan has a fifteen (15) day grace period. The grace period does not change your due date; however, you will not receive late charges if your payment is made within the grace period. Please note you can make a mortgage payment at any Fifth Third Bank banking center. For your records and convenience, please find enclosed a copy of the payment history and your Note. Please note page one (1), item three (3) of your note titled Payments, which states: I will make my monthly payment on the 1st day of each month beginning September 1, 2015. I will make these payments every month until I have paid all of the principal and interest and other charges described below that I may owe under this Note. Each monthly payment will be applied as of its scheduled due date and will be applied to interest and other items in the order described in the Security Instrument before Principal. If on August 1, 2045, I still owe amounts under this Note, I will pay those amounts in full on that date, which is called the “Maturity Date.” I will make my monthly payments at P.O. Box 630170, Cincinnati, OH 45263 or at a different place if required by the Note Holder. Our research confirmed the Collection Department attempted to contact you nineteen (19) times to alert you to the mortgage loan payment being past due. However, the Collection Department was unable to reach you between April 12, 2017, and May 2, 2017. On May 5, 2017, the Bank received and posted your mortgage payment. This payment satisfied your payment due April 1, 2017. This payment was received thirty-five (35) days after the due date and has been reported to the credit reporting agencies as past thirty (30) days late. We have completed our review of the payment history reporting on your credit report for your mortgage 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. You may wish to consider using Auto BillPayer. Auto BillPayer enables you to have payments automatically deducted from your checking or savings account each month on the due date or any date within the grace period, thereby, eliminating the need to mail your payments or bring them to a branch location. If you are interested in enrolling in Auto BillPayer, please contact the Auto BillPayer Department at ###-###-####. If you utilize Auto BillPayer and a payment date is setup every month during the grace period, our Collection Department will not contact you during the grace period. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosures

[redacted] Date: September 13, 2016 Account: [redacted] Account: [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Better...

Business Bureau regarding your Fifth Third Bank checking account. We appreciate the time you have taken to express your concerns and for bringing this matter to our attention. Because you previously filed bankruptcy, we are sending this correspondence in response to a request that we received. This letter is not an attempt to collect a debt. We understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience this matter might 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. Please be assured that we contacted the relevant parties to fully research your account and passed on your concerns. On February 28, 2000, you opened the Free Checking account ending in [redacted] at our [redacted] Banking Center. You were the sole owner of the checking account. The account was closed and charged off with a negative balance on July 30, 2008. Please be aware that the Bank is not required to retain records of any transactions for more than six (6) years. Therefore, the Bank is unable to provide you with a statement or the negative balance at the time the account was closed. The account was reported to [redacted] and was also sent to collections. However, our research determined the account is no longer reporting to [redacted]. If you would like to contact [redacted] to confirm that our reporting has been removed, you may contact [redacted], on the internet at [redacted], via telephone at ###-###-####, or by mail at: [redacted], Consumer Relations, [redacted] 
[redacted]. We no longer service the checking account, and Fifth Third Bank is not contacting you in regards to this debt. Please note our research determined the account was sold to [redacted] on June 16, 2010. The Bank has been made aware that [redacted] is no longer in service or taking calls; however, they could have sold your account to another collection agency. In your complaint, you state that a debt collector has recently contacted you. You can ask them to provide written validation, or proof, of the amount they claim you owe before making any payment arrangements. You may also wish to provide them with your bankruptcy information so they can determine if the debt has been discharged. In addition, you reserve the right to send the collection agency a written request to cease and desist any future telephone calls regarding the outstanding debt. Please be aware that while they may no longer make telephone calls to you upon receipt of your written request to cease and desist, the third party may proceed with further collection efforts or judgment as an industry practice. Our research also confirmed you had an installment loan with the property located as [redacted] as collateral. The Bank charged off this debt on March 31, 2012. The principal balance at the time the account was charged off was $6,402.43. Please note, the Bank is no longer attempting to collect this debt, and has reported the loan as discharged in bankruptcy with a zero balance owed. We appreciate your patience while we researched this matter. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com

[redacted] Date: July 28, 2016 Account: [redacted] Regarding Your Access 360 Account Dear [redacted]: We received your complaint filed with the Revdex.com regarding your Access 360...

account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. We were able to review your concerns regarding the refund of $25.47 that was credited to your Access 360 card ending [redacted]. Our records indicate that check number [redacted] for $25.47 was mailed to you at the address on file, on May 12, 2016. As we were able to confirm the check has still not been cashed, we placed a stop payment on the check, and a new check number [redacted] was issued and sent to you at the address above. If you do not receive the check within the next two (2) weeks, please contact me directly at the telephone number below. Because we were able to confirm that the check was mailed to you on May 12, 2016, we are not able to provide you with any additional compensation for interest. We apologize for any difficulty or concern this may have caused you. It should be noted that although a card has been closed, a merchant is still able to process a refund to the card. In these situations, the Bank will issue a check to you for the amount that was credited. There is not a way to restrict a refund from being accepted. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-###6, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W. Office of the President Pc: Revdex.com

[redacted] Date: April 18, 2017 Account: [redacted] Regarding Your [redacted] Credit Card Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your attempts to access your [redacted] Credit Card at an Automated Teller Machine (ATM). We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the difficulties you experienced while attempting to use your [redacted] Credit Card ending in [redacted] at an ATM. Please be assured that we researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. After conducting a thorough review, we determined that your Personal Identification Number (PIN) was not successfully reset when you first contacted the Bank because the previous bad PIN attempts were not properly cleared from your account before you reset your password. We deeply regret that we were unable to resolve your concerns when you first contacted the Bank. Our research also determined that your PIN was successfully reset when you visited the [redacted] Banking Center on April 7, 2017, and you were successfully able to access your [redacted] Credit Card at an ATM later that same day. It was certainly not our intention to cause you any hardship. However, we are unable to provide you with any compensation. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted]Date: April 28, 2016 Account: [redacted]Regarding Your Mortgage LoanDear [redacted]:This is in response to your discussion with the Revdex.com and Lee F., Vice President and Bancorp Resolution Manager. For additional concerns, please refer to the previous response letters.Our records indicate that you called the Bank on July 2, 2015, for an explanation of the increase of your monthly payment after reviewing the Annual Escrow Account Disclosure Statement dated April 24, 2015. Per your request during this call, you were also provided instructions for removing the escrow from the mortgage loan; however, as our previous response addressed, we were unable to locate a request for the escrow account to be reanalyzed. For additional clarification on the increase of the monthly payment, page three (3) of the statement explains the projected and actual disbursements from June 1, 2014, to May 31, 2015. The projected disbursements in November 2014, and May 2015, to Oyster Bay Schools were in the amount of $3,420.86 each. However, the actual disbursements to Oyster Bay Schools were higher than projected, and the following disbursements were actually made from the escrow account:• In October 2014, a payment was disbursed to [redacted] in the amount of $4,402.20.• In April 2015, a payment was disbursed to [redacted] in the amount of $4,402.19.Please refer to page two (2) of the Annual Escrow Account Disclosure Statement dated April 25, 2015. This explains the projected payments from the escrow account for June 1, 2015, to May 1, 2016. In addition, the chart outlines the lowest projected balance of the escrow account, which is ($353.80), and the lowest required balance, which is $2,367.58. The escrow shortage, in the amount of $2,721.38, is calculated by taking the lowest required balance, $2,367.58, less the lowest projected balance, ($353.80).The annual review of the escrow account occurred on April 25, 2016. I have enclosed a copy of the Annual Escrow Account Disclosure Statement for your records and review. As this statement explains, there was an escrow shortage in the amount of $540.15, and the payment options are outlined as follows:1. Pay the escrow shortage of $540.15 in twelve (12) payments of $45.01. These shortage payments would be included in your new monthly payment of $3,101.51, which would begin June 1, 2016.2. Pay the escrow shortage of $540.15 in full by May 15, 2016.Your new monthly payment would be $3,056.50.3. Pay part of the escrow shortage of $540.15, and the part that is not paid would be divided evenly and added to your mortgage payment each month for the remainder of the annual review period. Per your telephone conversation with Lee F., Vice President and Bancorp Resolution Manager, you mentioned a concern that the escrow statements dated April 24, 2015, and April 25, 2014, were not received by you. Our records indicate that these statements were sent to the address on file at the time they were generated. Please note, these statements were also sent to you, at the address on file, on January 13, 2016, per the request made on January 12, 2016, while speaking to a supervisor with our Customer Service Department. In addition, these statements were uploaded to the Revdex.com website and enclosed with the response sent to you on February 11, 2016. I apologize if you didn’t receive these statements.We completed an additional review of the escrow account, and your request to have the account reanalyzed in September 2015. Our additional review determined that the account could have been reanalyzed at that time. We regret the difficulties this has caused you. Because of this, we have submitted a correction to all four (4) credit reporting agencies to remove the delinquent reporting for November 2015 and December 2015. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. If you would like to contact the credit reporting agencies directly, their contact information is provided below: • [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####Please be assured that we have fully researched each complaint that you sent to the Bank. While we strive to send a response within fifteen (15) to twenty-five (25) days, we are not always able to do so, based on the amount of research that is required. I apologized for any additional difficulties the delay in receiving the correspondence may have caused you.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.April Q.Office of the PresidentPc: Revdex.com, New York State Department of Financial Services Enclosures: Annual Escrow Account Disclosure Statement

[redacted] Date: August 24, 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 any frustration you experienced regarding this matter. I completed a thorough review of your checking account and confirmed that you have declined Overdraft Coverage for debit card, check, and Automated Clearing House (ACH) transactions. Because you declined Overdraft Coverage, Fifth Third Bank will not pay transactions if there are insufficient funds to cover them. When you use a debit card to make a one-time purchase, the merchant processes an immediate authorization to the Bank electronically. We then verify in real time whether there are sufficient funds at that moment to cover the transaction. If there are funds available, we approve the authorization and you are able to complete the purchase. If there are not sufficient funds, we decline the transaction and you are then unable to make the purchase. Because the one-time debit card purchase was declined, you do not have an overdraft fee. If a one-time debit card transaction is pre-approved because there were sufficient funds at the time of the authorization, but then the transaction posts to the account for a larger amount causing a negative balance, such as a gas station purchase, you do not receive an overdraft fee for that transaction. Please note that this applies to one-time debit card purchases only. This is not applicable to recurring debit card purchases or ACH transactions. Because you declined Overdraft Coverage for ACH transactions and checks as well, we will return any ACH or check transactions as unpaid if there are insufficient funds in the account to cover them. Please note, however, that there is no authorization process to verify ahead of time if there are sufficient funds for checks and electronic payments like there is for a debit card. We do not know about an outstanding ACH or check until the merchant presents the item to be paid, so there is not an option to decline it like there is with a debit card. As a result, these kinds of transactions will always post to the account. When an ACH or check transaction is returned as unpaid, a returned item fee is assessed. Additionally, the merchant can represent the transaction multiple times. A returned item fee is applicable each time the transaction is presented if it is returned as unpaid. The beginning balance in your checking account on August 15, 2016, was $0.50. A $15.00 ACH transaction to [redacted] processed to your account that day, resulting in an ending balance of negative ($14.50). Because there were insufficient funds in your account to cover the transaction, and you declined Overdraft Coverage for ACH items, we returned the transaction as unpaid and assessed a $37.00 returned item fee the next business day. Additional ACH transactions have attempted to process from your account since that time, all of which were returned as unpaid per your Overdraft Coverage selection. Each returned item was subject to the return item fee. Enclosed are copies of the overdraft notices issued starting from August 15, 2016. I understand that you spoke to our Dispute Resolution Department regarding the returned item fees assessed to your account. Please be advised that Bank fees are not disputable transactions. However, you can dispute the transaction that caused the fee. The fee is then included as part of the dispute. I confirmed with the Dispute Resolution Department that you have not filed any disputes on your checking account. You stated in your complaint that the $15.00 transaction from Discover was not authorized, and that you paid it from a different account. If would like to dispute the transaction, or any other transactions, 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. I confirmed that the fees charged to your account were charged correctly in accordance with your Overdraft Coverage preferences and Federal Regulations. Enclosed is a copy of the Rules and Regulations applicable to your account. Page three (3) lists the overdraft and returned item fees applicable to all of Fifth Third Bank’s consumer checking accounts. We have previously waived $74.00 in fees from your account in the last twelve (12) months as a courtesy. An additional $37.00 fee was waived on August 17, 2016. We are unwilling to waive additional fees at this time. I am sorry for any frustration this may cause you. On August 19, 2016, $40.00 was transferred to the checking account from your checking account ending in 3832. After the additional transactions that processed that day, the balance in your checking account on August 19, 2016, was $6.50. Joint account holder [redacted] withdrew the $6.50 on August 19, 2016, and the checking account was closed the same day. 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: Overdraft Notices (3), Rules and Regulations

[redacted] Date: February 15, 2018 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com regarding your mortgage 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 the difficulties you have experienced with your mortgage loan. It was certainly not our intention to cause you any hardship. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. We have completed a review of your account ending in [redacted]. As explained in the enclosed previous response dated January 30, 2018, due to the forbearance period offered by the Bank, you were not required to make payments between October 1, 2017, and December 31, 2017, however, a forbearance period does not defer the skipped payments and place them at the end of your loan. This letter also details the remedies the Bank offered following the forbearance period, including the option to modify your loan to avoid the need for a lump sum payment. Please note that while minimal paperwork is required to complete the loan modification, we were unable to move forward with a modification without the Verification of Employment form. I confirmed that this form was provided to you via both mail and email. The letter also explained that completing a loan modification would not negatively impact your credit bureau report. Our records indicate that you have selected option one (1) listed in the letter dated January 30, 2018. On February 5, 2018, we received payments totaling $2,983.32. This amount satisfied the November 1, 2017, December 1, 2017, January 1, 2018, and February 1, 2018, due dates. As of February 13, 2018, a payment in the amount of $825.53 is due on March 1, 2018. 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, Jennifer M.Office of the President Pc: Revdex.com Enclosure: Previous Response

[redacted] Date: October 27, 2015 Account: [redacted] Regarding Your Equity FlexLine Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning your Fifth Third Bank...

Equity FlexLine. We appreciate the time you have taken to request this information. Please be assured that I have contacted the relevant parties to express your dissatisfaction with the service you received from our Loss Mitigation Department and the outstanding balance owed on your Equity FlexLine ending in [redacted]. We strive to provide professional and accurate service to our customers, and we regret that the service you received did not meet the same high standard. We are very sorry if our attempts to explain the deferred interest during your telephone calls with our Loss Mitigation Department did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. Your feedback is important to us, so that we can better understand how we can improve our service to you. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction. Our records show that the outstanding balance owed on your Equity FlexLine totaling $245.75, is for interest deferred when you agreed to the modification agreement in July 2013. Therefore, this was not a fee assessed for completing the modification. For your review, I have enclosed a copy of the modification agreement. Although we sympathize with the difficulties you encountered, the outstanding balance owed on your Equity FlexLine will not be waived. We understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience this matter might have caused you. We appreciate the time you have taken to bring this matter to our attention. 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, Elizabeth J. 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. 
This company has not resolved my dispute, no offer has been made, Adam P[redacted] called me to tell me he was sorry and that he would get me my money and to call with additional questions,I called back twice and no response. I then get a letter in the mail stating why I cant get what I am supposed to get. Adam P[redacted] is responsible for his employees actions EVEN WHEN THEY ARE WRONG. You cannot fault me because Cheryl M. relayed the wrong message to me, Cheryl said I would receive the money so I am STILL WAITING ON MY $350 and wont stop until I get it. I produced my evidence and as I said, the customer is always right. You guys are at fault and I know you have contingency accounts,all businesses do so this would fall under a loss for you guys and you can use $350 out of that account to pay me.
Regards,
[redacted]

[redacted] Date: January 10, 2018 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We appreciate the time you have taken to...

document your thoughts and concerns regarding the collection calls you received. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. Your loan is considered past due for payment if we do not receive your total monthly payment by the due date listed in your contract, which is the twenty-third (23rd) of each month. There is a fifteen (15) calendar day grace period on your loan. The final day of your grace period is not considered the due date for your payment obligation, but rather, it indicates when a late charge will be assessed to your account. We understand your concerns about the collection calls you received. Our Collection Department begins making calls to customers when a payment is not received by the due date. They are a failsafe Fifth Third Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. They are certainly not intended to cause you any hardship or frustration. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8 a.m. until 9 p.m. ET, including holidays. If you receive a call from our Collection Department and provide them with the date you expect to pay, they will record your promise to pay and additional calls will be suspended temporarily. In response to your concerns, we removed your telephone numbers from our systems. Please note that while you will no longer receive telephone calls if your account becomes past due, this will not stop other delinquency related activity, including late charges, finance charges, or reporting to the credit bureaus. In researching your concerns, we identified that you were given incorrect information. Three (3) consecutive monthly payments are required for an auto loan customer to qualify for a delinquency extension. Instead, you were informed that you needed to make a payment arrangement for the next three (3) months. Fifth Third Bank takes your feedback seriously, and I have contacted the relevant parties to pass on your concerns. While we cannot provide you with specific details, we have taken the appropriate actions to prevent a similar situation in the future. The total amount of unpaid late fees accrued over the life of loan is currently $116.73. I have enclosed a payment history for your reference. As there was no bank error in the assessment of these fees, we are unwilling to waive the remaining balance. In the interest of customer service, however, one (1) late fee of $24.14 will be reversed. Your last three (3) payments posted on October 30, 2017, December 1, 2017, and January 2, 2018. However, because your loan was delinquent when these payments were received, your loan remains due for the December 2017 payment. You may have already received the enclosed Delinquency Extension Agreement by email, but I am enclosing another copy here for your convenience. Please sign and return the Agreement by January 18, 2018, in order to bring the loan current and due for the February 23, 2018, payment by placing two (2) payments onto the end of your loan. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. If I could be of further assistance, 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: Payment History; Extension Offer