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 Once I hear back from Fifth Third regarding this, I will close the case.I would like to know why Fifth Third is the only bank that I have ever banked with where they don't go by when the ACH was actually provided? Why is it that they always, and I truly mean always, go by the largest ACH to the smallest to make sure they collect on fees from their customers instead of doing the ethical thing and go from smallest to largest? Even when the prior days pending transactions are shown in correct chronological order, they get sorted to show largest to smallest the next day when everything posts I've talked to several other local and regional banks and no one else does it this way when I ask This has never been an issue until the last few years with Fifth Third and it seems to be a way to make sure they have expanded revenues on the backs of their customers How many other customers have been hit with $overdraft fees for $and $checks when if they would've taken smallest to largest, would have minimized the impact to both the customer and the bank? If the executive management teams really cared about improving customer satisfaction, this would be your number one area Regards, [redacted] ***

[redacted] [redacted] [redacted] *** Date: November 21, Account: [redacted] Regarding Your Installment Loan Account Dear [redacted] : We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your installment loan accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matterI confirmed that your vehicle securing the loan opened on June 21, 2016, is a total lossPlease note that you are required to continue to make monthly payments for the loan until the outstanding balance owed is reduced to zero ($0)A copy of your loan contract is enclosedWe received a $10,payment from your insurance on October 31, We then received an additional $1,payment from [redacted] Gap Insurance on November 2, Insurance payments to cover vehicle loss are first applied to the outstanding principal balance owed on the loan before any of the insurance funds can be applied to interestInsurance payments to cover the loss are not monthly loan payments as required by your contract, and they therefore do not advance the monthly payment due on the loanPage two (2) of the contract, section a, states that you agree to pay back to the Bank everything owed even if the vehicle is damaged, destroyed, or missingSection d states that if the vehicle is lost or damaged, we may use the insurance funds to reduce what is owed on the vehicleBy processing your insurance funds as principal balance reductions, we are reducing the outstanding balance owedThe $monthly payment for your loan is due by the fifth (5th) of each monthThe last monthly payment we received for the loan was $on September 2, 2016, which covered the payment due by September 5, At the time we received the first (1st) insurance payment in October 2016, the loan was past due for the October 5, 2016, paymentThe account was still past due for the October payment when we received the second (2nd) insurance payment in November The next payment we received after September 2, 2016, was $on November 9, The funds covered the past due payment owed for October 5, 2016, as well as the payment owed for November 5, Because the October payment was received more than thirty (30) days after the due date, the payment will be reported as delinquent to the credit reporting agencies during the next monthly reporting updatePlease be advised that the $late fee we assessed on October 15, 2016, was waived on November 9, As of November 15, 2016, the outstanding principal balance owed on the loan is $1,The outstanding interest owed is $1.84, and there are no late payment fees owedI confirmed that we are still waiting for the warranty refund and the anti-theft contract refund from the [redacted] dealership where the vehicle was purchasedWe sent the request for the refunds to the dealership on November 2, Please be advised that it can take the dealership four (4) to twelve (12) weeks to provide the refundsYou will need to continue making the loan payments until the loan is paid in fullYou may wish to contact the dealership directly to verify if they have processed our refund requestIf your loan has an overpayment after the dealership refunds are received, we will send the over payment to your address on file within ten (10) business daysIf there are still outstanding funds owed at that time, you will need to call your gap insurance company to advise there are funds still owed to pay the loan in fullWe appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Contract

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] Sirs,Revdex.com.Dear Sirs, my name is [redacted] and my ID [redacted] By this mean I am responding to your letter of March 29, 2016.It has been impossible for me to get an agreement with the Fifth Third Bank.The truth is I do not want to maintain these indefinite exchange of arguments that lead to no solution.I conclude that the bank does not want to take into consideration the current value of the propertyTherefore, I want the bank to be very concrete and respond with absolute clarity to the following questions:1) How much is the amount of the debt right now?2) In what category is the property classified by the bank?3) Why is the property not repossessed by the bank if it considers that the property is valued $45.000, and I have told them repeatedly that I am not able to finish paying for it?4) Is it possible that the bank approves a loan without having a a collateral?, and if the bank took my credit capacity as a collateral, then what else does the bank want provided that my credit is completely destroyed?, and has been for years.5) What is the next action the bank wants to take against meIt is important that I know because things can not continue like this forever, especially since there are taxes involved in this matter.Thank you very much for your attention.Sincerely, [redacted]

[redacted] *** [redacted] *** [redacted] *** Date: March 13, Account: [redacted] Regarding Your Essential Checking Account Dear [redacted] ***: We received a copy of the complaint you field with the Revdex.com concerning your Essential Checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties at the BankI 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 customer satisfactionIn response to a promotional offer that you received, you opened your Essential Checking account on our website at 53.comThe account was opened on November 2, The promotional offer you received was for a cash bonus of $300.00, which would be paid to you upon opening a Fifth Third Essential Checking account with deposits of $or more, and maintaining a $minimum balance for ninety (90) daysAccording to the promotional offer, the $cash bonus would be deposited into your account within ten (10) business days after the qualifying activities were metAlthough you met all of the qualifying activities to receive the $cash bonus, the cash bonus was not provided within ten (10) business after the qualifying activities were metThis is because the code specific to your offer was not populated when the account was openedTo resolve this matter, on March 8, 2018, your account was provided with the $cash bonusIf I could be of further assistance to you, please call me at 513-358-or toll free at 866-360-5353, Monday through Friday, a.mto p.m., ETSincerely, Adam P.Office of the President

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and would like to respond to the response from Shawna at Firth Third BankThe note that was included with the checks was of loose leaf size paper and all checks were wrapped inside of the note so to say no one bothered to take the note out of the envelope is really covering up for a more serious problem within that departmentThey had to take the paper note out of the envelope and unwrap it in order to see all checksAlso, my bank corrected the problem after I called them and made them awareThe duplicate payment clearly showed on my checking account statement and that is how I was made aware of the errorFortunately, I did not send out checks to pay bills during this time or there would have been bounced checksAgain, Fifth Third needs to own it and not make excuses 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 Regards, [redacted]

[redacted] *** [redacted] [redacted] *** Date: May 5, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted] ***: We received a copy of the RevDex.com complaint filed by your sister, regarding your checking... account ending in ***. We appreciate the time she has taken to express her concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience these matters may have caused you. It is certainly not our intention to cause you any hardship. Fifth Third Bank takes claims of discrimination very seriously and does not service customers based on race, color, religion, national origin, sex, marital status, age, disability, familial status, or the receipt of public assistance. Customer service is of the utmost importance to all of us at Fifth Third Bank. Fifth Third Bank takes protecting financial and personal information very seriously. I confirmed that our Disputes Department opened a case on March 31, 2016, because you stated that your checking account was opened and accessed without your authorization. The case number is [redacted] . While we strive to resolve all investigations as quickly as possible, please allow up to sixty (60) days for the investigation to be completed. Final written confirmation will be sent to you from the Disputes Department. In addition, the Disputes Department will submit any necessary updates to the credit bureau reporting agencies. If you would like to follow up with them directly, they can be reached toll-free at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. 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 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, Elizabeth J.Office of the President

Revdex.com: My attorney and 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 owner of my local [redacted] Insurance branch personally wrote the bank a letter yesterday July 21,and faxed it immediately which directly showed I did indeed have full comprehensive and collision insurance from March-MayI sent a full payment to Fifth Third Bank yesterday despite the fact that my insurance agent sent this letterMy grandmother (co-owner) was told they could still repossess my car despite the fact I had paid cash through same day delivery [redacted] ***, because, it takes them up to days to do their job and clear it from the system and if the car was picked up in that time I would have to pay an addition $400-$in tow fees to get my car back even though it was their end not working fast enoughThey will be given one last opportunity to correct the mistake and apply the money recieved from me($1,500) which included payments at the bank's inflated rate for insurance through [redacted] yesterday to my future loan payments and all payments returned to the original contract price at the purchase date Regards, [redacted] ***

[redacted] [redacted] ** [redacted] *** Date: April 4, Account: [redacted] Regarding Your Essential Checking Account Dear [redacted] : We received a copy of the follow up letter you sent to the Revdex.com concerning your Essential Checking accountWe appreciate the time you have taken to express your concerns regarding this matterWe initially received a copy of this complaint on March 20, We received a copy of your follow up complaint on March 29, However, we stand by the response conveyed to you in the previous letter sent on March 28, I have enclosed a copy of that prior correspondence for your reviewAlthough we regret the issues you experienced, and although we empathize with your situation, we will not reverse additional overdraft fees that were assessed to your accountWe feel that the resolution we have previously provided is sufficientWe regret any inconvenience or frustration this might cause you; however, our position on this matter has not changedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Adam P.Office of the President PC: Revdex.com Enclosure (1): Previous Response Letter

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 [redacted] This is [redacted] I just got off the phone with youI am rejecting the business's response because they completely disregarded the fact that their representative misled me by asking me to withdraw my money from my account and get a money order insteadWhich is the real reason why my check could not clearIf I had left the money in my account like I was planning to then we will not be hereThe problem is not really about the automatic bill payAll I am asking for is to be refunded the $ my landlord is charging me for the check not going throughThank you again for your time!

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 complaintMy father gave them the correct bank information over the phoneThe companies representative didn't enter it into their system currentlyThis caused the issue with September's payment and October's payment Regards, [redacted] ***

[redacted] [redacted] *** [redacted] *** Date: December 4, Account: [redacted] Regarding Your Mortgage Loan Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning your mortgage loan We appreciate the time you have taken to document your thoughts and concernsWe completed a review of the mortgage loan account ending in ***The current loan-to-value for the account is 84.8%I have enclosed a copy of the Private Mortgage Insurance (PMI) Disclosure from the loan closing for your convenienceAs this document indicates, you have the right to request the PMI be cancelled on or after the date the principal balance of your loan is first scheduled to reach or actually reaches 80% of the original value of the propertyThe original value means the lesser of the contract sales price of the property or the appraised value relied on by the lender to approve the loan, in this case, the contract sales price of the property was the lesser of the two, which was $495,Please note the principal balance of your loan is scheduled to reach 80% on June 1, In addition, if you are current on your loan payments, PMI will be automatically terminated on the date the principal balance of your loan is first scheduled to reach 78%, which is June 1, For your information, as of December 1, 2015, the principal balance of the mortgage loan is $419,Once the conditions have been met, per the PMI Disclosure, you may submit a written request to cancel the PMIThis request should include your full name, your full account number, a brief request to have the PMI removed from the escrow account, and your signatureOn November 9, 2015, we received your request for a reappraisal of the property, in the interest of removing PMI from the mortgage loan, and the enclosed appraisal consent form was sent to youIt should be noted that the loan-to-value criteria with a reappraisal request does not follow the same guidelines as the PMI removal based on the original value as outlined above, and the qualifications for PMI cancellation with a reappraisal of the property varies by investorIf you choose to move forward with the reappraisal of the property, in order to remove PMI, the loan-to-value must be at 75.00% or belowI am sorry for frustration this may cause youThank you for your patience while we researched this matter for youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, April QOffice 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 Although you all reopened my account I am not okay with you all making it like I did this onMy account! I never allowed my account to get negative That was fraud online loan companies that withdrew money when I never received a loan Regards, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I have sent a police reports, credit reports, as well as a statement from an official police offersI fax these documents yesterday to Fifth Third Banks as well as [redacted] ConsumerIf the inquiry is not removed I will file a claim with the FTC 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 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 possibleTheir process is flawed and set up to get as much out of their customers in fees as they possibly can Regards, [redacted]

[redacted] ***Date: July 10, 2015Regarding Your Bank Owned Home PurchaseDear [redacted] :We received a copy of the letter you sent to the Revdex.comWe 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 youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI 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.According to page five (5), paragraph twelve (12) of the purchase contract for the property located at [redacted] ***, the items that the Seller, in this case Fifth Third Bank, is obligated to repair or replace may be inspected by a person who specializes in and holds an occupational license (if required by law) to conduct home inspections or who holds a [redacted] license to repair and maintain the items inspectedThe Seller is only obligated to make such general repairs as are necessary to bring the specified items to working conditionI have enclosed a copy of the Residential Contract For Sale And Purchase for your review.Fifth Third Bank paid to repair the well located on the property to restore it to a working condition sufficient to satisfy a home inspectionTherefore, the Bank is unable to reimburse you for any expenses paid for additional work performed on the wellWe regret any inconvenience or frustration this may cause you.If I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted] , Monday through Friday, a.mto p.m., ET.Sincerely,Adam P.Office of the PresidentPc: Revdex.comEnclosure: Residential Contract For Sale And Purchase

[redacted] *** [redacted] * [redacted] *** Date: November 2, 2016 Account: [redacted] Regarding ATM Deposit Dispute Dear [redacted] ***: We received a copy of the complaint you submitted to the RevDex.com regarding your ATM (Automated... Teller Machine) deposit 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 the difficulties you have experienced. It was certainly not our intention to cause you any hardship. Please be assured 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 completing our research, we posted a credit of $130.00 to your checking account ending in [redacted] for the missing ATM deposit on October 31, 2016. This credit is final and will not be reversed. I truly hope this meets your satisfaction and resolves your needs. 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 Draper Office of the President Pc: RevDex.com

[redacted] [redacted] *** [redacted] *** Date: December 15, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received your complaint filed with the Revdex.com regarding your checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matterThank you for taking the time to speak with me via telephone regarding your concerns with the customer service you have received, as well as the difficulty you have experienced with obtaining a debit card for your new checking accountDuring our conversation, I communicated to you that I was able to review several of the recorded telephone calls that took place, and I understood your frustrationAs a customer service gesture, I have enclosed a gift card for the difficulties you have experienced while trying to resolve this matterPlease be assured that we take concerns like yours very seriously, and we have addressed and forwarded your concerns to the appropriate personnelOn behalf of the Bank, please accept my sincere apology for the difficulty you experiencedDuring one (1) of our telephone conversations, you confirmed that you received the replacement debit card I sent to youIf you recall, prior to sending you that replacement debit card, I mentioned that I saw there were several different customer profiles for you in one (1) of our systems, which was the cause for the misspelling of your first name on the debit card you receivedIn order to send you the new debit card, I had to ensure these profiles were all merged into one (1) centralized profile with the correct name spelling to ensure the card was created appropriatelyThese multiple profiles all had different contact information listed for youOne (1) of the four (4) profiles that existed had the old address, and when the debit cards were ordered, that old address was usedSince the profiles have been merged, this will not happen again in the futureAs you indicated that your Aunt resides at that address, and she was able to advise you that mail had arrived for you, no account information was exposedThank you again for bringing this matter to our attention and allowing us to opportunity to assist you [redacted] , we appreciate your patience while waiting for our responseIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Brandy W.Office of the President Pc: Revdex.com Enclosure: Gift Card

[redacted] [redacted] *** [redacted] *** Date: March 29, 2018 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted] : We received a copy of the complaint you filed with the RevDex.com concerning 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 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 completed a review of your account ending in ***. Our records indicate that on December 12, 2017, a property tax payment in the amount of $1,016.22 was disbursed from your escrow account and paid to [redacted] County. Please find enclosed the [redacted] County property tax bill, which states that your property tax payment due by January 31, 2018, has been satisfied and that no additional payments are required to satisfy that due date. If you have received an additional tax bill, it may be a supplemental tax bill. Please note that supplemental tax bills are generally mailed only to the property owner(s) and issuing a payment is the responsibility of the homeowner. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Office of the President Pc: RevDex.com Enclosure: Tax Bill

[redacted] ***Date: June 23, Account: [redacted] Regarding Your Checking AccountDear [redacted] :We received a copy of the complaint you submitted to the Revdex.com, regarding the promotional credit for your checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter.Your comments expressing less than quality service are very concerningOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youWe strive to provide professional and accurate service to our customers and we regret if that has not been your experience.On January 21, 2015, you opened Essential Checking account at the [redacted] Financial CenterThe promotional offer effective at that time indicated that a cash bonus of $would be credited to a new checking account if the following activity occurred within ninety (90) days of the open date:A minimum opening deposit of $50.00Three (3) online payments, using Fifth Third’s Online Bill Pay systemDirect depositWe confirmed you made two (2) online bill payments and several direct deposits posted to your checking account within ninety (90) days of the open dateUnfortunately, your third online bill payment was completed on May 12, 2015, which was twenty-one (21) days after the cut-off date of April 21, As a result, the account was not eligible to receive the cash bonus since the online bill payments were note completed within the required timeframe.However after further review, we have chosen to provide you with the $cash bonusOn June 17, 2015, the promotional credit for $was posted and applied to your checking account[redacted] , please be assured that it was not our intention to cause you any hardship or frustrationYou are a valued customer and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at [redacted] Monday through Friday, a.mto p.m., ET.Sincerely, [redacted] Consumer Resolution Specialist Office of the PresidentPc: Revdex.com