PROCORPSA

*** *** ** *** *** *** *** ** *** Date: June 22, 2016 Account: *** Regarding Your Essential Checking Account Dear *** ***: We received a copy of the complaint you filed with the Revdex.com concerning
your Essential Checking accountWe appreciate the time you have taken to document your thoughts and concerns. We completed a review of your Essential Checking account ending in ***On June 6, 2016, your beginning balance for the account was $There were three (3) mobile deposits made to the account, totaling $252.00; however, as explained on the enclosed overdraft notice that was sent to you, $of these deposited funds were unavailable, per the Bank’s Funds Availability PolicyOn this same day, eleven (11) debit transactions posted to the account, totaling $1,223.27, and the negative available balance for the account was ($132.59)The calculation of daily overdraft is outlined on pages eleven (11) and twelve (12) of the enclosed Rules and Regulations that were provided to you at the account openingBecause there were insufficient funds to cover all of the transactions to the account, three (3) of the transactions were each assessed a $overdraft fee, totaling $the following business dayOur review of the account determined there was no Bank error in assessing the overdraft fees to the accountAlthough there was no error in assessing these fees, per the request made to the ***-*** Banking Center on June 8, 2016, the $of overdraft fees were reversed and credited to the account as a courtesy. You also mentioned a concern for the information that was provided during a telephone call made to the Bank, regarding the availability of the mobile deposit fundsWe completed an additional review of the call made to the Bank on June 4, During this call it was requested that the mobile deposit that was just processed be immediately availableAs informed by the Bank representative, we are unable to change the availability of funds once the mobile deposit has been processedIt was also explained that the deposit would have to go through processing on Monday night, and the full amount of the deposit would be available on the following business day, June 7, Furthermore, the caller asked if a check, that was written from the account on June 3, 2016, would go through on Monday June The Bank representative communicated to the caller that if the payee for the check attempted to cash the check on Monday, June 6, 2016, it could cause an overdraft of the accountThe Bank representative also advised that if the check was deposited by the payee on Monday, June 6, the check would still go through processing that Monday eveningAs previously communicated to you the information provided to the caller was accurateFor your information, the Rules and Regulations provide a further explanation of the Funds Availability Policy on pages seventeen (17) and eighteen (18). 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, April Q.Office of the President Pc: Revdex.com Enclosures: Overdraft Notice, Rules and Regulations

Can you email the customer back and get the name of the deceased person or the account number please? Thanks!

While in the application process in a phone conversation w Tony W., he stated that the charge would be credited at closing, nothing was said about if the loan did not go through that I would lose this money. Furthermore since there was never an appraisal done, the question remains what is the charge for? I have asked for an explanation itemized as to justify what the charge is for on three email attempts, but no reply.I am currently closing on my w another bank and they have indicated that since there was no appraisal done there should not be any erroneous charges.Any help you can provide is greatly appreciated. Respectfully, *** ***

*** *** *** * *** *** *** ** *** Date: December 2, 2015 Account: *** Regarding Your Mortgage Loan Dear *** ***: We received a copy of the complaint filed with the Revdex.com concerning your Fifth Third Bank mortgage
loanWe appreciate the time you have taken to share your thoughts and concerns regarding this matterOn behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused youPlease be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. Our Consumer Contact Center strives to provide professional and accurate service during every telephone call they receive throughout the dayDue to this reason, our Customer Service Professionals will attempt to ensure that every effort is taken to resolve any issue that you bring to their attentionI am sorry if your telephone call experience did not meet the same high standard. On October 23, 2015, we received a payment of $2,that was intended to serve as the full payoff of your Fifth Third Bank mortgage loanThis payment was posted to your mortgage loan with an effective date of October 23, At the time of the loan payoff, your mortgage loan was charged $for the recording fee charged by the State of PennsylvaniaThis was not a fee charged by Fifth Third BankThis amount was forwarded to the State of Pennsylvania to record the loan payoff and the release of the lien on your propertyWe regret the frustration this matter may have caused youYou should have received our notification letter confirming that your mortgage loan has been paid off and closed with a zero balance owed. We appreciate the opportunity to fully research your concernsIf I may be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com

*** ** *** **. *** *** *** *** ** *** Date: November 14, 2017 Account: *** Regarding Your Checking Account Dear *** ** *** **.: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding
your checking 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 matter. Thank you for taking the time to speak with me on October 18, 2017, and November 9, 2017, regarding your concernsYou advised during our conversation that you received the $New Account Bonus and that you no longer needed us to look into that matterI confirmed that the $was credited to your checking account on October 17, 2017. With regard to your issues with online banking, we have a responsibility to protect you and the Bank from identity theft and fraudAs part of that initiative, Fifth Third Bank has several policies and procedures in place to monitor various activities and information associated with online banking via 53.comIf a login on 53.com or activity on 53.com exceeds our risk threshold, the activity or the login will be blockedWe are unable to discontinue this monitoring, and I am very sorry that it has caused you to be unable to access the websiteIn some cases, the activity will trigger our Fraud Department to block your ability to log into our website and access information via our automated phone system until you speak to the Fraud Department and verify your identityAs we discussed, we are unable to disable this fraud monitoring, and your future Online Banking and Mobile Banking activity could still be flagged our systems. As I explained, our Bank Protection Department is concerned that your Social Security Number (SSN) may have been exposed, which could be resulting in fraudulent attempts to log into your online banking using your SSN as the User IDYou confirmed that you do utilize your SSN as the User ID to access your accountsYou also advised that you do not want us to disconnect the SSN from being able to access your accountsYou may wish to contact the credit reporting agencies to place a block on your SSN. If you would like to contact the credit reporting agencies directly, their contact information is listed below: ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### ** *** ###-###-#### Please note that logging into online banking from multiple devices and/or through a Virtual Private Network (VPN) can trigger the login or activity to be blockedWe recommend limiting the number of devices used to access online banking and not using a VPN to prevent the activity from triggering a block. Please be assured that as of November 10, 2017, there are no blocks on your Online Banking or Mobile BankingYou mentioned that when our system attempts to verify your activity by sending a code to your phone, your mobile phone number is not an option you can selectThe mobile phone number has not been on your profile long enough to be available as a selection for the One Time PasscodeThe phone number should be available by November 13, If it is not, please contact me directly using my phone number listed below. 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 H.Office of the President Pc: 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 "the merahant states that you were made aware of the $resort fee on two (2) occasionsThe resort fee was disclosed when you made your reservation with ***, and also during your telephone call with the merchant on September 1, The $charge included a $in resort fees, and $for a mirror missing from your roomThe Disputes Resolution Department considers this investigation closed "The above note from Fifth Third even states that I was only made aware of a $resort fee (which Ido not recall) and not the $Also, they charged me for a missing mirrorHad they have checked the room before we got in (which they even enclosed to us that they did NOT because they rushed to get it clean for us to use since it wasnt ready when we checked in) they might have seen the mirror missing then or if they had checked immediately after, they might have seen that everything was in tact after we left rather than waiting almost a week to charge me for itI did NOT steal anything and I was NOT made aware of any $dollar resort feeFurther more, it wasnt a resort! It was a hotelI would like my money backI will gladly let them keep $of it since they are stating that this was apparently disclosed to me but I refuse to pay for stolen property that someone else stole and I refuse to pay the $that was charged for an additional resort feeAlso, Fifth Third bank did NOT issue me a new card after the incidentThis whole this was handled improperly and I have been cheated and stole fromFirst from the hotel and now from Fifth Third.
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 meI will give the benefit of the doubt to Don Hand Fifth Third BankPerhaps I made a mistake or there was a misunderstanding along the wayIf Don Hdoes not recall our interactions on the matter, it will be tough to say for sureIn any case, I do not intend to pursue this any further
Regards,
*** ***

changed my account without pemission and stole money from it? I want my money back credit to my checking acount

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
Fifth Third,You wont have to worry about giving up your PMI insurance because I have already started a refinance on my property of which the appraiser actually does use the value of homes that have sold in my area, looks at the taxed value and what the insurance company says the replacement value isThe company doing the refi also doesn't charge bucks for the appraisal and seams to be very happy to give me a better rate along with no PMI and they are quite sure the values of the homes in my area have increased over the last 4-yearsIm sure my next big hurtle with Fifth Third will be to collect all the money they have collected in escrow from me for the taxes and insurance. I highly suggest Fifth Third thinks about there customer service A LOT because I will be letting anyone looking for a mortgage or refi to NOT do it with Fifth Third, I have called you and was told if I didn't like it to go find another loan (You win I did) Im sure my money wasn't any good anyway thats why you had to charge extraAnd Im sure since the payments have never been late is another reason to not work with meIt was however funny that after requesting to get rid of my PMI that you would send out a letter showing me how to reduce my payments by refinancing my existing loan with youThe thing was when I called them they wouldn't do it without the PMI either and thats when I was told AGAIN if I didn't like it I should go find a loan with someone else (again you win) I'll be leaving shortly and I wont have any PMI to pay, heck I also get lower interest and a shorter loan term.I hope your happy and you now wont have to worry about me missing a payment (oh thats right I haven't)To anyone reading this I highly suggest you look elsewhere for a mortgage because Fifth Third doesn't give a *** how good of a customer you are they will avoid working with you if it has anything to do with lowering your payment
Regards,
*** ***

what was the point me getting a Secured ***??? I was told my credit would be better and higher if I use this product? my credit got ruined or better? so 1st open a Secured *** then use to for a few m/o then we the bank will send you a real unSecured ***was this a liE? do I have to go back to the bank and get another Secured *** and keep it for twice as long? how does the program work? I know if my *** would of closed properly and professionally and on time I would not be getting a denail letter! I also know if I have not had this *** dispute status I would have not been denail, 5/please send me a *** or I guess I will have to go to retail and get another secured *** and every time I use it I will tell the merchant 5/no GOOD :( this Secured *** does not help build 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,*** ***

*** *** *** *** *** *** *** ** *** Date: September 19, 2016 Account: *** Regarding Case Number *** for Disputed Debit Card Transactions Dear *** ***: We received copies of the complaints you filed with the RevDex.com and the Consumer Financial Protection BureauWe are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. A merchant will notify the Bank that a card has been used by sending an authorization requestCard authorizations are a merchant’s way to show the Bank their intent to take funds from an account for a purchase. The authorization may be for either more or less than the final purchase amount, for example to allow room for a tipThe authorization will appear as a pending transaction on the accountA customer can dispute pending authorizationsIf the transaction posts, we initiate a claim with the merchant and issue provisional credit to your account within five (5) business days from that date. On June 27, 2016, 2016, you contacted the Bank to dispute multiple authorizations dated June 25, 2016, through June 27, 2016, on your debit card ending in ***This debit card had been in use since January of We created Case Number *** for the pending transactionsIn addition, the affected card was blocked and a replacement was issued to youOn July 1, 2016, we issued provisional credits to your checking account totaling $4,so that you would have use of the funds during our investigation. On July 14, 2016, we denied your case, removed the provisional credits from your account, and sent a notice to the above addressThe primary reason for the denial of your dispute was that when our Early Fraud Warning Team requested confirmation from you that the debit card activity was authorized, you indicated that it wasOn June 26, 2016, a text message was sent to the telephone number on file to verify if you had authorized the purchasesThen they spoke with you on the same day and confirmed that these were not fraudulent transactions. In addition, the disputed transactions all required that the card’s PIN be used. You appealed this decision, and after an additional review, the Bank stood by the denial of this dispute claim. While you stated that you were not in *** ***, we did not find any account activity occurring locally in North Carolina for the time-period in disputeIf you would like to provide additional documentation that confirms you were not in *** *** from June 25, 2016, to June 27, 2016, you can send it to my attention at the following address: Fifth Third Bank Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 Or, you can fax it to ###-###-####That documentation could include account statements from another bank showing card activity occurring locally on the days in question, time stamped receipts, etcAny documentation you provide will be forwarded to our Dispute Resolution Department for review. We strive to provide professional and accurate information to our customers, and I regret the difficulties you have encountered regarding your accountNo overdraft or return item fees were charged to the checking account while we investigated your disputeThe account balance became negative after the provisional credit was removed. Because you are a valued customer, we reversed $in overdraft fees on September 7, 2016, as a courtesy to youI also reversed the $monthly account fee assessed on September 12, The current account balance is $24.48. To assist you with monitoring your accounts, our toll-free Telephone Banking system is available twenty-four (24) hours a day at ###-###-####Our Customer Service Representatives can be contacted at the same telephone number and are available Monday through Friday from 7:a.mto 8:p.mEastern Standard Time (ET), and on Saturday from 8:a.mto 5:p.mETSpanish language services are available when calling the Customer Service number aboveAfter you hear the greeting, it will tell you to press the star key for a Spanish-speaking representativeOur Disputes Department can also provide Spanish language assistance upon request. You can also access your account information at an Automated Teller Machine (ATM), on our Internet Banking website at 53.com, and through our Mobile Banking service from either our Mobile App or our mobile website, m.53.comYou may also appreciate the reassurance of setting up a free Account Alert to notify you about account activity and balancesAn account alert can be sent to up to four (4) e-mail addresses and one (1) mobile deviceAfter logging into your accounts online, please visit the Service Center tab, and then navigate to Alerts for a full listing of the available Alert types. You are a valued customer and I appreciate this opportunity to address your concernsIf 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, Alison S.Office of the President Pc: Revdex.com; *** *** *** ***

*** ** *** *** *** *** *** ** ***Date: July 25, 2017Regarding Your Fifth Third Bank Installment LoanDear *** ** ***:We received a copy of the follcomplaint you filed with the Revdex.com, concerning your installment loanWe appreciate the time you have taken to further express your concerns regarding this matter.We received your original complaints filed with the Revdex.com and the Consumer Financial Protection Bureau on July 7, We received your follcomplaint filed with the Revdex.com on July 14, However, we stand by the response conveyed to you on July 13, I have enclosed a copy of that prior correspondence for your convenienceOur position on this matter has not changed.On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youIt 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 expectations.Upon receiving your follcomplaint, we reviewed the information provided in our original response and want to correct an errorIn reviewing the Bank Protection notes, I incorrectly stated that the application was submitted in your married name *** ***My review of our internal systems, indicate the name on the original application was your maiden name, *** ** ***I apologize that I misinterpreted the notes provided by the investigatorThe identification you presented to the banking center employee closing your loan was Rachel Ann Watkins, which did not match the original loan documents.On June 16, 2017, the Bank Protection Department received an alert to a possible social security number mismatchA case was opened on Monday, June 19, 2017, to investigate the possible identity theft situationFor your protection, a block was placed on the installment loan during the investigationThe investigation was closed on June 20, As part of the investigation, the Bank confirmed your employment, reviewed your marriage license and driver’s licenseThe investigator contacted you on June 20, 2017, to explain the reason for the block and to inform you the block was removedThe investigator did inform you that during their research, another name may be associated with your social security numberIn the interest of customer service, the investigator suggested that you may want to place a fraud alert on your credit profile. If you would like to contact the credit reporting agencies, their contact information can be found below:*** ###-###-#### *** ###-###-#### *** ###-###-#### *** ###-###-#### I hope this correspondence cleared up any outstanding questions you had related to this issueIf 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,Patrick SOffice of the PresidentPC: Revdex.comEnclosures: Prior Response

*** ** *** *** *** *** Denver CO 80249 Date: May 25, 2016 Account: *** Regarding Your Installment Loan Dear *** ** ***: We received a copy of your complaint recently filed with the Revdex.comWe appreciate the time you
have taken to document your thoughts and concerns regarding this matterPlease be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. Thank you for taking the time to share your recent experience with meYour feedback is important so that we can better understand how to improve our service to youWe strive to provide quality service to all of our customers, and I am sorry for your unsatisfactory experience during your previous attempts to resolve this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Our records indicate that on October 21, 2015, your auto insurance policy with American Modern lapsed on your *** *** *** ***On November 2, 2015, we sent you a letter informing you that you must maintain insurance as long as there is an unpaid balance on your loanThe letter included a fax number for you to fax the Bank proof of insurance. On November 23, 2015, we sent you a second letter indicating that we were aware that your insurance policy on your *** *** *** *** was cancelled on October 21, We informed you that proof of insurance must be received within twenty (20) days to avoid the purchase of a policy to protect our interest in the collateralIf we purchase a policy, the premium would be charged to your account. On December 17, 2015, we sent you a final notice regarding the insurance for your vehicleOur letter explained that you are required to have property insurance on the collateral until you pay off your loanUp to that point, you did not provide the Bank with proof of insurance for the vehicleWe advised you that if you or your agent did not send proof of insurance within ten (10) calendar days, we would buy the insurance and charge the cost to youCopies of all three (3) of those letters are attached for your records. We received proof of State Farm policy information for your *** *** ***, with an effective date of January 25, The policy stated that your insurance coverage lasted from January 25, 2016, to July 25, The forced placed insurance coverage was back dated to the date of last known coverage, which was October 21, The difference in the amount of $is for the lapse in coverage from October 21, 2015, to January 25, 2016, when your State Farm policy went into effect. After we sent three notices and didn’t hear from you, we forced placed insurance on your vehicle loan and charged you $2,for the policy we purchasedAfter we purchased the policy, we received proof of insurance from you, but it didn’t cover the required amount of time, so instead of a full refund, we gave you a refund of $1,The difference of $is the amount you are required to pay for the lapse in coverage between October 21, 2015, and January 25, 2016. *** ***, We appreciate your patience while we researched this matterYou are a valued customer and I appreciate this opportunity to address your concernsIf 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 C.Office of the President Pc: Revdex.com Enclosures (3): Insurance Notices

*** ** *** *** *** *** *** ***
*** *** ** ***Date:
June 23, 2015Account: ***Re:
Right to OffsetDear
*** ** ***:We received a copy of the complaint you filed with the RevDex.com concerning funds deducted from
your Companion Checking account
ending in *** to pay on your
Professional Credit Card ending in ***
We appreciate the time you have taken to document your concerns regarding this
matter.I am sorry for your unsatisfactory experience concerning this
transactionIt was certainly not our intention to cause you any difficulties
or frustration, but rather, simply to collect on a debtWhen you owe the Bank
a debt on one of your accounts, the Bank has the right to transfer funds from
another account you are an owner of to cover the debt owed to the BankThis is
known as the Bank’s Right to Offset and
was disclosed in our Rules and Regulations that you received when the checking
account was openedFor your convenience, I have enclosed a copy of our Rules
and Regulations with this correspondence.We regret that you feel the representative you spoke with on this
matter was unwilling to helpPlease be assured Fifth Third Bank takes these
matters seriously, and we strive to provide solutions to our customers’
financial concernsI 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’ satisfactionHowever, I cannot inform you of any
specific internal actions that may be taken.We have reviewed the payment history on your account and have
summarized the recent activity on your account belowIt is very important for
you to ensure that you make sufficient payments in a timely manner in order to
prevent any additional transfers due to the Bank’s Right to Offset, as well as avoiding negative credit bureau
reporting, and late payment fees in the future.On December 3, 2014, the credit card account was due a minimum
payment of $We did not receive a payment on that day and your account
was assessed a Purchase Finance Charge of $and a Cash Finance Charge of
$Your account did not receive a late payment due to your enrollment in a
hardship program with usYour payment of $was not received on this
account until December 9, 2014.On January 3, 2015, the credit card was due a minimum payment of
$We did not receive a payment on that day and your account was assessed
a Purchase Finance Charge of $and a Cash Finance Charge of $Your
account did not receive a late payment due to your enrollment in a hardship
program with usWe did not receive your payment of $until January 8,
2015.On February 3, 2015,
the credit card was due a minimum payment of $A payment of $was
received that day, but it did not satisfy the minimum due on the accountFor
February, your account was assessed a Purchase Finance Charge of $and a Cash
Finance Charge of $Your account did not receive a late payment due to
your enrollment in a hardship program with us.On March 3, 2015, the credit card was due a minimum payment of
$We did not receive a payment on that day and your account was assessed
a Purchase Finance Charge of $and a Cash Finance Charge of $Your
account did not receive a late payment due to your enrollment in a hardship
program with usDue to the credit card not having a minimum payment made for
two consecutive statement periods, the Bank debited the $minimum payment
from your Essential Checking account ending in *** on March 9, 2015, to pay on your credit card, acting on our Right to OffsetBecause you
additionally made an online payment of $on March 10, 2015, we refunded
the $back to your Essential Checking account ending in *** on March 12, 2015.On April 3, 2015, the credit card was due a
minimum payment of $We did not receive a payment on that day and your
account was assessed a Purchase Finance Charge of $and a Cash Finance
Charge of$Your account did not
receive a late payment due to your enrollment in a hardship program with us.On May 3, 2015, the credit card was due a
minimum payment of $We did not receive a payment on that day and your
account was assessed a Purchase Finance Charge of $and a Cash Finance
Charge of$Your account did not
receive a late payment due to your enrollment in a hardship program with us.According to our records, on May 12, 2015, your Professional
Credit Card ending in *** was
revoked, and you were removed from the Hardship Program you were enrolled in
Due to the credit card not having a minimum payment made for two consecutive
statement periods, the Bank debited the $minimum payment from your
Companion Checking account ending in *** on May 18, 2015, to pay on your credit card, again acting on our Right to Offset.In the interest of customer service, on June 19, 2015, Fifth Third
Bank refunded the $that was transferred to the Professional Credit Card
ending in *** back to your Companion
Checking account ending in ***A minimum
payment of $is now due on the MasterCard ending in *** on July 3, We hope this response meets with your
approvalHowever, please be advised that we stand by our right to offset the
outstanding debt on your Professional Card, and you will need to take steps to
repay this debt to avoid further collection activity in the future.We strive to provide professional and accurate service to our
customers, and I apologize for any inconvenience this may have caused 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,*** ***Consumer Resolution
Specialist Office of the PresidentPc: Revdex.comEnclosure: Rules and
Regulations

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
Your overdraft protection through the app is extremely misleading and not straight-forward at allI attached a screenshot of the exact settings in the appIt would be so easy for anyone (especially someone with bad eyesight) to misunderstand the meaning of "overdraft protection"Which, as I understood, was meant to protect the customer's fundsNot screw them over in the case that alerts aren't being sent immediately (which they weren't)I received your "courtesy" letter in the mail days after these fees were incurredThank goodness I checked the account, or I would have been out several thousands instead of several hundredsYour banking standards have set the bar extremely low and I'm so mad that I wasted years and hundreds of dollars banking with youI'll be taking my business elsewhere and I highly recommend you have your design team take another look at your mobile banking app
Regards,
*** ***

We are in receipt of your letter dated September 21, 2017, regarding the informal complaint filed by Mr***We have had the opportunity to investigate this Complaint and offer the following information.Armstrong recognizes the issues Mr*** is having with his television; however, these
issues are not a result of equipment being dropped during installationOn May 9, 2016, more than a year ago, Armstrong explained to Mr*** that the router was not the piece of equipment that was dropped during installationMr*** has been using that router ever since installation.On September 14, 2017, Mr*** contacted Armstrong regarding his Smart TV connection and connection was verifiedArmstrong concludes that the router is not damaged or causing interference with Mr***’s television.Armstrong encourages Mr*** to contact our Customer Service Center if he has any additional questionsThank you for your attention to this matterPlease feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Teamcc: *** ***

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,
*** ***

*** *** *** *** *** ** ***Date: January 11, 2016Account: ***Regarding Your Equity FlexLineDear *** ***:We received a copy of the complaint you filed with the Consumer Financial Protection Bureau and the Revdex.com regarding the lien for your property
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 with your accountIt was certainly not our intention to cause you any hardship or frustrationEnclosed, per your request, is a copy of your origination file for the account ending in ***It should be noted that the file contains a copy of the mortgage you signed when the loan was originated in We have been unable to locate the original mortgage; however, the title company who performed your loan closing has advised that the original was returned by the County unrecorded, possibly due to issues with the notary acknowledgment.In order to proceed with having the mortgage recorded, it is necessary to execute a new mortgagePlease contact Lee F., Bancorp Resolution Manager, at ###-###-####, to schedule a time to execute the document at your earliest convenience.We appreciate your patience whilewe researched this matter and apologize for any inconvenience this situation may have caused youIf 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, Monica J.Office of the PresidentPc: Consumer Financial Protection Bureau Revdex.comEnclosures: Origination File

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.
Again, I was never late on any paymensNo attempts were made to collect alleged debt because there never was a debt dueNow this account remains on my account for $on top of the collection account that is reporting the same informationThis is all bogusPlease be aware of bankI was with this Bank years and never missed a paymentI then was treated like an irresponsible consumer once they realized I wanted to close my account. That is all,
*** ***

*** ** *** *** *** *** *** ** *** Date: March 2016 Account: *** Regarding Your Fifth Third Bank Installment Loan Dear *** ** ***: We received a copy of the complaint you filed with the Revdex.com (BB)
concerning your Fifth Third Bank installment loanWe appreciate the time you have taken to document your thoughts and concerns regarding our collection department. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused youIt was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. Your installment loan is considered past due for payment if we do not receive your total monthly payment by the due date indicated on your contractThe final calendar day of your grace period for the loan is not considered the due date for your payment obligationsThe grace period indicates when a late charge will be assessed to your account for a past due paymentThere is a fifteen (15) day grace period on the account, with a late charge assessed if the payment is not received prior to the end of the grace periodShould your loan become past due, your account may also be subject to derogatory credit bureau reporting. Please note that your installment loan is a simple interest loan, with interest accruing daily on unpaid principalWhen we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last paymentThen we apply the remaining funds to the unpaid principal balanceYour payment habits affect the amount of interest you pay over the life of your loanIf payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of your loanBecause less of your payments were applied to the principal balance, there may be a larger final payment due to the additional accrued interestPlease find enclosed a copy of your installment loan payment history for your records. This reflects a variance in the amount of principal and interest paid each month depending on the payment date. The telephone calls you received are made automatically when an account becomes past due. When making telephone calls our collection representatives should strive to resolve the issue in as timely a manner as possible in order to provide professional and accurate assistanceWe regret if all the service you received from our Collection Department did not meet the same high standard. Our records show that you talked to the Collection Department on February 19, Please note, at the time of the call, the Bank had not received your payment due February 4, 2016. Therefore, the agent explained that the February payment was past due, and the March payment due March 4, 2016, was soon to be dueThe agent did ask if you would like to make a payment for $This payment included your past due payment for February, the $late charge assessed on February 18, 2016, and your March 4, paymentPlease use the enclosed payment breakdown as verification of the amount due on February 19, The Bank received and posted your most recent payment on February 22, 2016. You may wish to consider using our Auto BillPayer service for your monthly paymentsAuto BillPayer enables you to have payments automatically deducted from your checking account each month on the due date or any date within the grace periodThis will eliminates the need to mail your payments and calls from our Collection Department during your grace periodYou also avoid the fee associated with phone paymentsIf you are interested in signing up for Auto BillPayer, please contact them directly at ###-###-####Customer service representatives are available Monday through Friday, a.mto p.m., ET. Your feedback is important to us, so that we can better understand how we can improve our service to youAdditionally, customer feedback is reviewed by our senior management as part of our ongoing commitment to improving our customers’ satisfaction. We value your relationship with Fifth Third Bank and appreciate the opportunity to respond to this matterIf I could be of further assistance to you, please call me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosures: payment breakdown, payment history