PROCORPSA

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint Regards,*** ***
The practice of overdafting someone but not letting it be visible in the system until the next day is deceivingHow do I know that I have overdraft my account when 53rd's banking system shows my account was in the positive the whole day and on into the next early morning when I made a deposit in the ATM at 12:AM. I have accounts with two other banks and both banks alarts me the day it happens and allows me to make the account positive by the end of the business hours before they charge my a feeThis is not the first time this has happend 53rd, an overdaft fee should not be givien if the account dosen't show the accurate information the day it happens

*** ** *** *** *** *** *** ** *** Date: May 31, 2016 Account: *** Regarding Your *** *** Account Dear *** ** ***: We received a copy of your complaint filed with the Revdex.com regarding your *** *** account
We 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 matter. Please be advised that the *** *** prepaid debit card is serviced by our third-party vendor ***. *** records reflect that you requested we close your *** *** card on February 3, A new card was issued to you on February 21, A $2,transaction to *** *** was approved on March 5, We do not have record that the $2,transaction was previously declined. We made the decision to close your *** *** account and terminate your ability to open new *** *** accounts due to the large number of disputes you have filedFor this reason, *** blocked your *** *** card on March 9, *** records indicate that you called them on March 14, 2016, and advised your *** *** card was stolen so you needed a new oneUnfortunately, the representative you spoke to ordered a new *** *** card for you in errorBecause we have terminated the banking relationship, the representative should not have ordered a new card. On March 23, 2016, *** unloaded the $1,balance from the account and sent the funds to you in the form of a check using the address on fileI am sorry if you did not receive that checkThe balance on the newly active *** *** card was $when *** realized a new card was issued in errorUpon realizing a new card was opened, *** closed that card as well, unloaded the $3.18, and sent the funds to you in the form of a check to your address on fileI am sorry if you have not received that check. I am sorry for the difficulties you experienced with the *** *** accountYour concerns have been forwarded to the relevant Bank personnelPlease be advised that Fifth Third Bank will not open additional *** *** cards in your nameI apologize for any distress this may cause youYou contacted the Bank on May 16, 2016, and requested we send your *** *** card balance to the *** Banking Center rather than your address on filePlease be assured that *** has reissued both the $1,check and the $check to the *** Banking Center on Antonia Way in Louisville, Kentucky, per your requestI have reached out the manager of that location, who will call you when the check is receivedI provided the phone number of ###-###-#### that you provided to the Revdex.com. Enclosed for your reference is a copy of the account closure letter that *** sent to you on April 5, 2016. We 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., ET. Sincerely, Shawna T.Office of the President Pc: Revdex.com Enclosure: Account Closure Letter

*** *** ** *** *** *** ** *** Date: February 11, 2016 Account: *** Regarding Your Mortgage Loan Dear *** ***: We received a copy of the complaint you filed with the Revdex.com in addition to the letters sent to the
Bank concerning your mortgage loanWe 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 loanIt was certainly not our intention to cause you any hardshipWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsI also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We completed a review of the mortgage loan account ending in ***I have enclosed a copy of the Note, which explains that your monthly payment is due on the first day of each month and is considered past due if we do not receive your total monthly payment by that dateIf we do not receive your total monthly payment within fifteen (15) days of the due date, you will pay a late payment fee of 2% of the part of the payment that is overdueOur review of the payment history to the account included the following: Negative Date Payment Due Date Late Charge (If Credit Received Amount Satisfied Applicable) Reporting (If Applicable) 1/31/$ 2,1/1/$ 37.05 2/28/$ 2,2/1/$ 37.05 3/28/$ 2,3/1/$ 37.05 4/30/$ 2,4/1/$ 37.05 5/30/$ 2,5/1/$ 37.05 6/30/$ 2,6/1/$ 37.05 8/1/$ 2,7/1/$ Days Late 8/29/$ 2,8/1/$ 37.05 10/1/$ 2,9/1/$ Days Late 10/31/$ 2,10/1/$ 37.05 12/1/$ 2,11/1/$ 37.05 12/30/$ 2,12/1/$ 37.05 2/5/$ 2,1/1/$ Days Late 3/2/$ 2,2/1/$ 37.05 3/31/$ 2,3/1/$ 37.05 5/1/$ 2,4/1/$ Days Late 6/1/$ 2,5/1/$ 37.05 6/30/$ 3,6/1/$ 37.06 reversed on 7/15/$ 3,7/21/15 7/28/$ 3,7/1/$ 37.05 8/28/$ 3,8/1/$ 37.05 9/28/$ 3,9/1/$ 37.05 10/30/$ 3,10/1/$ 37.05 returned on 11/30/$ 2,12/16/15 12/23/$ 3,11/1/$ Days Late 1/11/$ 3,12/1/$ Days Late 1/22/$ 3,1/1/$ 37.05 It should be mentioned that mortgage payments received on a Monday are automatically backdated by our system to the prior Friday to allow for the instance that the grace period may have ended over the weekendBecause of this the following payments were adjusted: ? Your payment received on June 30, 2014, was backdated to May 27, 2014. ? Your payment received on December 1, 2014, was backdated to November 26, 2014. ? Your payment received on March 2, 2015, was backdated to February 27, 2015. ? Your payment received on June 1, 2015, was backdated to May 29, 2015. ? Your payment received on January 11, 2016, was backdated to January 8, 2016. I have enclosed a copy of the entire loan payment history for your records and review. You also mentioned a concern for the payment that was not applied to your mortgage loanAs detailed in the Mortgage, on page four (4), full or total monthly payment amounts are required before we can post a payment to your mortgageA full monthly mortgage payment includes your total principal and interest payment due, plus your monthly tax and insurance obligationsIf we do not receive the total mortgage payment that is due, any funds or partial payments that we receive may post to the account in an unapplied stateAny unapplied funds may be reapplied or returned to you at a later time depending on the degree of delinquency on the mortgage accountOn November 30, 2015, we received your payment in the amount of $2,000.00, because this payment did not satisfy the payment due for November 1, 2015, in the amount of $3,263.26, it was placed on the mortgage loan in an unapplied stateOn December 1, 2015, we sent the enclosed letter to you requesting instructions for this paymentBecause we did not receive instructions or a full payment amount, we returned the funds to you on December 16, 2015, via check ***. We also reviewed the United States Postal Service Receipts that you sent to the BankThe receipts you have provided list expected delivery dates, which are not guaranteedFor the purposes of changing the date a payment was received by the Bank, we would request proof of delivery with a signature guarantee. Our review of the payment history to your account has determined there is no Bank error in applying the payments to the mortgage loan, nor is there any error in the credit reportingIn addition, our review has determined there was no error in assessing the late payment charges to the accountBecause there was no Bank error, we are unable to accommodate your request to waive the late payment charges and correct the negative credit bureau reportingWe regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting. We also completed a review of the escrow account, which is analyzed each year in the month of ***, to make sure the escrow portion of your monthly mortgage payment covers your property taxes and insuranceAs of January 26, 2016, the balance of the escrow account is $2,In addition, there is a total shortage in the escrow account in the amount of $If you wish to request the balance and/or status of your escrow account, you may do so by calling our Customer Service Department at ###-###-####, Monday through Friday, a.mto p.m., ETPer your request, I have enclosed copies of the Annual Escrow Account Disclosure Statements that were sent to you on *** 25, 2014, and *** 24, 2015. On January 26, 2016, the Escrow Department updated the escrow portion of the monthly payment to reflect the lower insurance premiumBecause of this, effective February 1, 2016, the new mortgage payment is $3,In addition, we verified the tax information listed in our system is correctFor your information, our system currently reflects the following projected escrow payments: ? One (1) annual payment to *** *** *** in the amount of $1,553.12. ? Two (2) semi-annual payments to *** *** Town in the amount of $1,each. ? Two (2) semi-annual payments to *** *** *** in the amount of $4,each. Our review of the escrow account included the payment made to *** *** on August 3, 2015, in the amount of $2,097.00, which was returned to the account on August 27, Because of this, on September 18, 2015, our review of the request for the escrow account to be reanalyzed, determined a reanalysis was not requiredOur review determined there was no Bank error in managing the escrow account; therefore, we are unable to meet your requests to remove the negative credit bureau reporting, late payment charges or refund the overpaymentAs we previously mentioned, as of January 26, 2016, the escrow account has a total shortage in the amount of $810.19. As referenced in the Frequently Asked Questions of the Annual Escrow Account Disclosure Statement, if you wish to close your escrow account, you may submit a request in writingUpon reviewing these requests there are various requirements that must be met in order to close your escrow accountAlso, please refer to page five (5), section three (3) of the enclosed Mortgage, which explains that you will pay the lender the escrow items unless the lender waives your obligation to pay the escrow fundsWe completed our review of your request to remove the escrow account, and on January 25, 2016, this request was denied due to the delinquent payments during the past twelve (12) monthsI have enclosed the letter that was sent to you. On January 22, 2016, we received your payment in the amount of $3,305.00, which satisfied the payment due for January 1, 2016, in the amount of $3,The remaining $was applied to the late charges due for the accountAs of February 4, 2016, your next payment is due for February 1, 2016, in the amount of $3,Please be advised that the Bank does not offer a coupon book for mortgage loans; however, each month, a statement is mailed to the address on file with the BankI have enclosed your most recent statement for your convenienceThe bottom of page one (1) may be remitted with your payment. Thank 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., ET. Sincerely, *** Q. Office of the President Pc: Revdex.com Enclosures: Note, Mortgage, Annual Escrow Account Disclosure Statements, Partial Payment Notice, Escrow Letter, New Payment Notification, Recent Statement, Loan Payment History

I have reviewed the letter from Fifth Third and wish to express my appreciation for them to have resolved this matterIt seems as though the issue is stemming from ***, not Fifth Third, so I will be sure to write *** up next time instead of Fifth Third
Sincerely,
*** ***

We received a copy of your complaint submitted to the Revdex.com concerning the closure of your Established Checking accountWe 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 your unsatisfactory experience concerning the handling of your accountIt was certainly not our intention to cause you any difficulties or frustrationFifth Third strives to meet your financial needs while balancing a commitment to responsible Banking practicesIn support of this commitment, we may review your accounts and how they are used throughout the year. In your case, we determined that it was necessary to close your checking and savings accounts due to recent account activityPage 4, section 7, of our Rules & Regulations handbook that was previously provided to you contains additional information regarding the closing of accountsI have included a copy of our Rules and Regulations for your records. While researching your issue, we have confirmed this decision was based on reasons provided by our Fraud Detection DepartmentYour account has had an excessive overdraft history, with nineteen (19) overdraft occurrences within the past twelve (12) monthsAdditionally, the check which was returned for Insufficient Funds was written off of an account you are the owner of, which our Fraud Detection team has deemed to be suspicious activityDue to these reasons, your checking and savings accounts were closed on May 20, Although your checking account was closed with a balance that was negative twenty-six dollars and seventy-one cents ($26.71), our records indicate you paid that debt in full on May 28, 2015. Mr***, please be assured that we have fully researched your concerns and we believe that your issues were handled both appropriately and professionally in accordance with our Fifth Third Bank, Member FDICEqual Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Bank’s policies and proceduresIf I could be of further assistance to you, please contact me directly at *** *** or toll free at *** ***, Monday through Friday, a.mto 6 p.m., ET

We have not received anything from *** *** or his insurance agentI have requested several times for them to fax the Declaration Page to me directly so I may further research the option of issuing a refund.According to our insurance center, we received a copy of a policy written by *** *** on March 30, However, the effective date for the policy was May 24, In order for us to consider issuing a refund for the policy from March to May 2016, we will need a copy of the Declaration Page with an effective date of March until May 23, 2016.I have requested this information from the customer multiple timesWe cannot proceed with this issue until we receive the requested information.My direct fax number is ###-###-####. Thank you, *** ***| Fifth Third Bank Customer Care Specialist II| Office of the PresidentKingsley Dr, MD 1MOCOP, Cincinnati, OH

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
*** ***this does not resolve my issueif this money was paid out on the 16th why doesnt it say pendingor why wait until the end of the day before paying out this payments? if I would have knownmy account was going to be over drafted dollars as you stated iwouldnt have made cash withdrawl for Also why return items at each insteadof rejecting one larger payment so I would only be charged 1 fee?? this makes no sense! plus ifi was over drafted like u stated it wasnt 86. I did my calucaltions item peritem and it was some dollars short not some dollars short!this bank waits until the end of day to pay out so they cancharge all of these fees!!! this is not the first time this bank doesthis to me! I will be closing my account very soon and just keepmy chase account! At least chase gives you warning if your account is over drafted to avoid all of these ridicouls fees!! like istated in my complaint I dont mind paying my overdraft if iknow for sure it was something that I owe! in this case it is not!

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my complaint
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint
I wish for my credit report to be reflective of my initial inquiry for a mortgage loan as it has dropped points to them pulling my report multiple timesAnd I wish to have reimbursement of application and appraisal fees and any other fees associated with the mortgage loan application processAnd if I have to start a new loan application with another lender I wish to have some of those fees paid for and/or funds given to expedite the process to close in a timely manner based on my original applications
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint I wish for my credit report to be reflective of my initial inquiry for a mortgage loan as it has dropped points due to them pulling my report multiple timesAnd I wish to have reimbursement of application and appraisal fees and any other fees associated with the mortgage loan application processAnd if I have to start a new loan application with another lender I wish to have some of those fees paid for and/or funds given to expedite the process to close on the home in a timely manner based on my original application
Regards,
*** ***

*** ** *** *** *** *** *** *** ** *** *** *** *** *** Account: *** Regarding Your Checking Account Dear *** ** ***: 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 the difficulties you have experienced with your accountIt was certainly not our intention to cause you any hardshipWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsI 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. As we discussed by telephone, when the check in the amount of $5,was presented for deposit, there were several red flags, such as the spelling error and out of state maker’s addressAs a result, additional questions were asked regarding the origin and purpose of the checkPlease be assured that these questions were not meant to cause you any inconvenience but rather to ensure that a fraudulent check was not deposited into your account. The check in the amount of $5,was deposited on April 2, 2018, however, due to the overdraft history on the account, an extended hold was placed upon itAlthough the overdraft fees assessed were paid, the account has been overdrawn six (6) times in the past six (6) months and therefore is considered to have had repeated overdraftsThe hold is set to expire on April 10, 2018, and the funds will become available on April 11, 2018, as long as the check has not returned. Thank 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., ET. Sincerely, Jennifer M.Office of the President

Please see the attached copy of the response we mailed to *** *** todayThe response was sent via UPS overnight mailThe tracking number is ** *** *** ** *** ***.*** ** *** *** *** *** *** *** ** *** Date: October 19, 2016 Regarding *** ** *** Vehicle Loan Dear *** ** ***: We received a copy of the rebuttal complaint you submitted to the Revdex.com regarding *** ** *** vehicle loanWe appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies that our previous response dated October 17, 2016, did not fully address your concernsWe were aware that you were working with Lee F., Bancorp Resolution Manager, regarding this matterUnfortunately, the letter dated October 17, 2016, was inadvertently sent in errorWe sincerely regret that the appropriate response was not sent to you. The payoff amount provided to *** on September 30, 2016, was $3,with interest accruing by $per dayOn that date, we had already agreed to waive the repossession fee and any other related feesHowever, at the time the payoff was provided, the repossession fee was not yet waivedIt was waived that same day, but did not post until overnight processing. Therefore, the repossession fee was included in the payoff amount of $3,This amount is broken down as follows: $3,principal, $interest, $late charges, $490.00 repossession fee, $early termination fee. On October 5, 2016, we received a payment of $3,from ***The payoff amount as of that date was $3,due to accrued interestThis amount is broken down as follows: $3,principal, $interest, $late charges, $early termination fee. Since the payment amount exceeded the payoff as of that date, there was an overpayment of $on the loanI have enclosed a check for that amount made payable to the Estate of *** ** *** for reimbursement of the overpayment. It was certainly not our intention to cause you any hardship or distressPlease be assured that no other fees related to the repossession were assessed to the loanThe loan is now paid in full, and the lien on the vehicle was electronically released on October 13, A letter was mailed to *** that same day notifying them that the lien was released so that they can obtain a lien-free paper title from the *** BMV (Bureau of Motor Vehicles). Thank you so much for your patience while we worked to resolve this matterIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Elizabeth D. Office of the President Enclosure: Reimbursement check

HI Brandy,I am in the process of rate shopping with various lenders and found that the late payments from November, December 2016, January as well as the ones from July - Nov of are all still showing on my credit bureaus I have called all of the bureaus and they do not see any updates I am unable to move forward with refinancing until these have been removed Please advise.Thank you,*** ***

I would like my interest back that they said they would give me. I was told by Felicia that I would get it back

Revdex.com:I put my concerns in writing after I have been subjected to such a frustrating series of calls with no resultOn March I have spoken with supervisor of Armstrong cable company and I express my dissatisfaction with customer service and my final billing statementI accept a refund and I believe this will never happen to other customer
Regards,
*** ***

*** ***
SW 3rd Court Apt Pembroke Pines FL 33025Date:
August 24, 2015Account: ***Regarding Your Basic
Checking AccountDear
*** ***:We received a copy of the complaint you filed with the RevDex.com concerning your Basic
Checking accountWe 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 or frustration 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.We have completed our review of the Basic
Checking account and the promotional offer that you mentionedPer the terms of
the offer as disclosed on the promotional material, the qualifying activity to
receive the $cash offer includes three (3) online bill payments using
Fifth Third Bank’s Online Bill Payment service on 53.com,
and a direct deposit within ninety (90) days of opening the accountThis
promotion was available to new consumer checking accounts opened between April
27, 2015, and July 26, 2015, however, the promotion excludes Basic and Private
Checking accountsOn July 13, 2015, you submitted your application via 53.com to setup the checking accountIn evaluating
this application, *** provided us with information, and you qualified
for the Basic Checking accountBecause you opened the Basic Checking account,
this promotional offer was not initially available to youHowever, due to the
misunderstanding we would be willing to honor this promotion for you if the
qualifying activity is met before the ninety (90) day deadlineOnce the
activity has been completed please contact me at the number below and we will
review and submit the $offer to be deposited into your accountAs of
today, you have yet to complete any of the qualifying activity to receive the
bonusI am sorry for any frustration this may cause you, as well as any
misinformation you may have received in regard to the promotional offer.We appreciate your patience while we researched your requestIf I
could be of further assistance to you, please call me at ###-###-####, or toll
free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely,April Q.Office of the PresidentPc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint Thank you for your responseHowever, its issue not with the *** but with the *** (the same company operating with different names).For your reference I attached the MS Word document the charges which should be disputed
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. This is contingent on getting the amount of the ATM deposit "dispute" that they have opened satisfactorily resolved in my favor as soon as possible
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint
Regards,
*** ***