PROCORPSA

Regarding the attached correspondence from [redacted] ***, since there is no additional to provide at this time, I will wait until the scheduled follow up date of June 17, 2016, before providing the customer with an additional responseIf the account is reporting correctly at that time, the customer will not receive an additional response from usIf the reporting is still incorrect at that time, we will send another response to the customer informing him that the account is still not reporting correctly, and that another update has been submitted to the credit reporting agencies.Typically, as stated above, if the account is reporting correctly at that time, the customer will not receive an additional response from usHowever, in the interest of customer service, I will be sure to contact the customer by phone on June 17, 2016, to discuss the reporting of the account at that time.Thanks,Adam P.Consumer Resolution SpecialistFifth Third Bank | Office of the President

[redacted] [redacted] *** [redacted] *** Date: August 28, Account: [redacted] Regarding Your Safe Deposit Box Dear [redacted] : We received a copy of your complaint submitted to the Revdex.com (Revdex.com) concerning your Safe Deposit BoxFifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused youPlease be assured that we have researched the issue surrounding the Safe Deposit Box you opened at the [redacted] Banking Center on October 29, 2010, and the information you have recently received concerning a balance owed associated with this boxOur research has indicated that the keys for this box were not returned to the Bank; therefore the box was not successfully closedAfter your discussions surrounding the status of the box with the [redacted] Banking Center on June 27, 2017, and June 29, 2017, this box was then drilled on July 27, 2017, and closedFifth Third Bank drills a Safe Deposit Box when a payment has not been made for a period of time and keys are not availableAny possessions held in the box at this time are logged and escheated to the State to be held for the customerI have verified that no items were in your box at the time it was drilled per the log created on that datePlease know we deeply regret any inconvenience this issue has caused youI am pleased to confirm that the balance which was due on this account is no longer owed, nor was it reported for collection during the escheatment processPlease keep this letter for your records as verification of this and do not hesitate to call me with the information below should any further issues ariseAdditionally, your comments expressing less than quality service you received are very concerningWe strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectationsI also want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations [redacted] , I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a responseIf 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, Sarah S.Office of the President PC: Revdex.com

[redacted] [redacted] *** [redacted] *** Date: December 7, Account: [redacted] Regarding Online Payments Dear [redacted] : We received a copy of the complaint you recently filed with the Revdex.com regarding your credit card paymentsWe appreciate the time you have taken to express your 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 within the BankI 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’ satisfactionPlease find enclosed a copy of the Fifth Third Bank card agreement for your account and a copy of the last four (4) credit card statements and a screenshot of your online bill payment activityUpon receiving your complaint, we contacted our internet banking department with your concernsOur research has confirmed you have not san automatic recurring payment for your Fifth Third Bank credit cardOn September 14, 2016, the Bank issued your credit card statement indicating a balance of $with a minimum payment of $due by October 11, The interest rate for new purchases on this statement was 24.24%Our research confirmed you set up a manual payment of $to your credit card on October 6, The online payment posted to your credit card on October 7, On October 14, 2016, the Bank mailed your credit card statement indicating a new balance of $with a minimum payment of $due by November 11, The interest rate for new purchases on this statement was 24.24%.Our research determined you did not set up a manual online payment prior to the due dateThe Bank did not receive a payment prior to the next statement being mailed on November 14, Your November 14, 2016, statement indicated a new balance of $193.58, with a minimum payment of $due by December 11, The minimum payment included a past due amount of $70.00.The interest rate on this statement is 24.24%Because you did not make a payment prior to the November 11, 2016, due date, you were assessed a $late payment and $in interest on November 14, On November 22, 2016, you set up two (2) online payments to your credit cardThe payments both posted to your credit card the next business dayIn addition you set up a payment with the Collection Department and an online transfer with your savings accountIn total you mad $in paymentsPlease use this letter as verification that you have overpaid your credit card account by $If you would like information on how to set up a recurring online bill payment or transfer to your credit card account, please contact the Customer Service Department at ###-###-####, or myself at the telephone number belowA customer service representative will be able to assist you with setting up your paymentThey are available Monday through Friday, a.mto p.m.; Saturday 8:a.mto p.m., ETIn your complaint you mentioned that the Bank had imposed a penalty interest rate on your accountPlease note page three (3) section twelve (12) item e, which states in part: Penalty APR for Payments Late by Days or MoreSubject to Applicable Law, we reserve the right to increase the APR to 29.99% (corresponding Monthly Periodic Rate of 2.49916%) on all new and outstanding Account balances each time we do not receive at least the Minimum Payment Due within sixty (60) days of its Payment Due DateAs noted above, your payment due on November 11, 2016, was not received by the due date; however, you did make a payment within sixty (60) days of the due dateThere was no negative information reported to the credit reporting agencies regarding this late payment, and you were not assessed the Penalty APRIf you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We strive to provide professional and accurate information to our customers, and 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., ETSincerely, Patrick S.Office of the President PC: Revdex.com Enclosures: Statements MasterCard Agreement Online Bill Payment Activity

[redacted] *** I just spoke to my agent to get clarification of the document you receivedIt is the same document Fifth Third has received in the pastShe said Fifth Third Bank obviously doesn't fully read documents and stopped reading after they read the heading "Liability"If you go down to the bottom box it will state I did in deed have Comp AND collision coverage and I had a $1,deductibleThey have record of my payments as wellThere was a computer error prior to May on my accountThe page you are now holding is in fact a legal declaration page in a court of lawShe stated it is stamped with their logo and the agent's signatureShe stated if you had any further questions you may contact [redacted] ###-###-####They can not go back and alter the computer documents because that is to prevent fraudAgain this is a legal declaration page like they had BEFORE computers and Fifth Third does not understand how to read it obviouslySo in combination with this AND the letter she acknowledged she received that stated I was covered that is more than enough to take into a court of law Scincerly [redacted] ***

January 3, [redacted] Revdex.com Holiday Drive, Suite Pittsburgh, PA 15220Re: Your reference: [redacted] - Case No [redacted] Dear Mr***:We are in receipt of your letter dated December 14, 2017, regarding the informal complaint filed by Mr [redacted] We have had the opportunity to investigate this Complaint and offer the following information.According to our records, Mr [redacted] upgraded his service to Zoom II on August 2, Mr [redacted] first called Armstrong regarding speed issues on November 28, and has had two service calls to his residenceDuring the second service call which occurred on December 19, 2017, Armstrong dispatched a senior technician to evaluate the situationOur technician properly diagnosed the problem and took the appropriate steps to resolve itAdditionally, the technician updated all the fittings and splitters in Mr [redacted] ’s wiringOnce completed, several speed tests were conducted, and all resulted in speeds around Mbps.Armstrong attempted to contact Mr [redacted] after his service call to discuss credits to his account; unfortunately, Mr [redacted] was not availableArmstrong left a message for him to return our call and encourages him to do so at his convenience.Thank 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: [redacted]

Account still has overdraft charges

We are in receipt of your letter dated November 15, 2016, regarding the informal complaint filed by Mr***We have had the opportunity to investigate this Complaint and offer the following information.Armstrong received Mr***’s initial complaint on May 31, regarding the unfortunate death of his dogArmstrong has been in contact with Mr [redacted] multiple times since receiving his initial complaint and considers this matter to be closed.Mr***’s complaint also addresses Armstrong’s data allowance policiesArmstrong has provided a fast, reliable broadband experience for more than yearsThroughout that time, Armstrong has annually invested millions of dollars into its network to ensure that Zoom customers continue to experience a consistent, reliable Internet connectionArmstrong has increased the speed and enhanced the value of Zoom many times since its inceptionAdditionally, Armstrong provides / technical support and service at no additional charge.Armstrong introduced data allowance plans to ensure that the Zoom experience continues to meet customer expectations while requiring customers who use more to pay their fair shareAt this time, more than ninety three percent (93%) of Armstrong’s customers are not affected by this changeArmstrong updated its Terms/Conditions on the company’s website on April 30, It began notifying customers of the change in their May statementsArmstrong provides a mobile app and online usage meter to help customers to monitor their usageCustomers are also encouraged to contact our support team to better understand their usage and receive guidance on how to adjust applications using the greatest amount of dataSince the new policy became effective, Armstrong has been automatically crediting the first overage of every customer to ensure that all customers are well informed of the new policy and their options to purchase additional data capacity.When the FCC enacted the Open Internet Order in 2010, Chairman Julius G [redacted] openly acknowledged that it was fair and reasonable for Internet Service Providers to establish usage limits to continue promoting investment in the country’s broadband infrastructure as well as to ensure efficient use of existing networksThe FCC reaffirmed the use of bandwidth caps as a reasonable bandwidth management tool in its Open Internet Order adopted on February 26, With that in mind, please note that Armstrong is not the first Internet Service Provider to establish data usage limitsIn fact, many of the largest Internet Service Providers in the country have established such limits in the last few years and such policies are rapidly becoming industry standard.Thank 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 Team

[redacted] [redacted] ** [redacted] *** Date: January 26, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your checking 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 matterEnclosed for your review is a copy of the Rules and Regulations applicable to your accountPages eleven (11) through thirteen (13) explain how Fifth Third Bank processes transactions and overdraftsPer the Rules and Regulations, transactions are processed in the following order: [redacted] Add in credits and deposits per our Funds Availability Policy [redacted] Deduct timestamped debits, such as Automated Teller Machine (ATM) withdrawals and debit card transactions, in the order they were authorized [redacted] Deduct batch debits during overnight processing, such as checks and Automated Clearing House (ACH) items, in order of the largest amount to the smallest amount [redacted] Deduct Bank fees and service charges Debit card and ATM transactions are time-stamped debits and are pre-authorized at the time of use, and will show as pending until they are postedBecause time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorizedChecks and electronic ACH payments are batch debits that are not pre-authorized by usThese transactions do not include a time-stamp and will not show as pending during the dayChecks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized by you to be paidDirect deposits are also credited to your account for the date the issuing party states the funds should be made available to youDirect deposits show as pending on the date of the depositThe beginning balance in your checking account on January 19, 2017, was $Two (2) transactions totaling $1,posted to your account during overnight processing for that day, resulting in an ending balance of negative ($1,400.13)Based on our processing order listed above, the timestamped debit card transaction posted to the account first (1st) for $6.75, which exceeded the $balanceWe then deducted check number [redacted] for $1,Because both transactions posted to the account causing a negative balance, and the resulting overdraft was greater than negative ($5.00), two (2) $overdraft fees were assessed the next business dayYou received a $1,direct deposit on January 20, However, a direct deposit on January 20, 2017, cannot prevent already assessed overdraft fees from the previous business days payments from postingA deposit must be received prior to a payment posting to prevent an overdraft occurrenceWe confirmed that the transactions posted in accordance with the Rules and Regulations for the account, and that no errors were madeWe certainly understand that mistakes sometimes happen, and we are able to reverse some overdraft fees on customer accounts every rolling twelve (12) month periodWe previously waived $in overdraft fees from your account in the interest of customer service since the account was opened on August 5, We are unwilling to waive additional fees at this timeYou mentioned the processing order on your checking account varies based on whether or not there is an overdraft situationPlease be assured that all transactions are processed as listed above per the Rules and RegulationsPlease note that because timestamped transactions are deducted before batch debits, it is possible that the timestamped transaction will be larger or smaller than the batch itemsOnly batch items are processed in order of the largest dollar amount to the smallestEnclosed are all statements and overdraft notices that have been issued for your account since it openedI noticed that you utilize our Online Banking, but you have not set any account alertsYou have the ability to set alerts to be emailed or texted to you to regarding the account balanceYou can set an alert to tell you if the balance falls below a dollar amount of your choosing, and to send you a daily balancePlease note that daily alerts are sent one (1) time per dayYou can establish alerts, as well as register for Mobile Banking online at 53.com by visiting the Service Center tabIf you have questions or need assistance, please contact our Customer Service Department at ###-###-####Customer service is available to assist you Monday through Friday from a.mto p.m., ET, and on Saturday from 8:a.mto p.m., ETPlease note that because batch debits do not show pending on your account and are posted during overnight processing, you will not receive an overdraft alert for a batch debit overnightSome customers choose to maintain a ledger of all transactions they have scheduled to help avoid overdraftsYou may also wish to consider declining Overdraft Coverage for your ATM and debit card transactionsCurrently, you have optto Overdraft CoverageThis means that the Bank may approve a one-time debit card transaction even if there are insufficient funds in your checking accountThis can result in overdraft fees if the transaction posts to the account while it has a negative balanceIf you opt-out of Overdraft Coverage, the Bank will decline one-time debit card transactions if there are insufficient funds in your checking account at the time of the authorizationOverdraft Coverage does not apply to checks or ACH electronic bill paymentsFor your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the futureInformation regarding Overdraft Coverage options is also provided on the enclosed documentPlease feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guideI would be happy to assist youWe 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 Enclosures: Rules and Regulations, Statements and Notices

[redacted] [redacted] *** [redacted] *** Date: March 23, Account: [redacted] Regarding Collection Calls Dear [redacted] : We received a copy of your complaint filed with the Revdex.com (Revdex.com)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 matterOur records reflect that you opened a vehicle installment loan on December 1, Enclosed is a copy of the application for the loan as well as the signed contractThe vehicle purchased was a [redacted] ***Please note that your name on the contract is spelled “ [redacted] .” Unfortunately, the name was entered into our systems as “ [redacted] ” in errorI confirmed that the address and phone number on the application match the address and phone number in our systemsHowever, the phone number on the application is not the phone number you provided in your complaintThe phone number in your complaint is not on file and is not being called by our Collection DepartmentOur Collection Department is calling about this account at the phone number ###-###-####You advised we are calling you in error, and ###-###-#### is the phone number we are calling, which is the phone number on the applicationThe email address listed in your complaint is the same email address we have on file for the accountI am happy to verify if the Social Security Number (SSN) is yours if you call me using my phone number listed below and provide your SSNI can verify if it matches our recordsIf after reviewing these documents you determine the application was submitted in your name fraudulently, please contact your local law enforcementThey are able to assist you with completing the necessary documents for any fraud that may have occurredYou may also wish to file an identity theft report via the Federal Trade CommissionThe report can be accessed online at IdentityTheft.govPlease send copies of the police report and identity theft report to our address listed aboveThe documents can also be sent to my attention via fax at ###-###-####If you would like to contact the credit bureaus directly, the contact information can be found below: Equifax ###-###-#### Experian ###-###-#### TransUnion ###-###-#### Innovis ###-###-#### If you determine the account is valid, please contact me directly using my phone number below so that I can update the spelling of your first (1st) name in our systemsPer your request, we have placed a cease and desist on your account so you will no longer receive phone calls from our Collection DepartmentPlease note that this will not stop other collection activityTo maintain the security of your account, I am sending this letter to the address we currently have on record for youI noticed that the return address you used in your correspondence is differentAccording to our security protocols, I cannot update your mailing address based upon your correspondenceI encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updatedThe Customer Service Department can be reached at ###-###-####Customer service is available to assist you Monday through Friday from a.mto p.m., ET, and on Saturday from 8:a.mto p.m., ETI can be reached at the telephone number listed belowWe 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

[redacted] [redacted] ***t [redacted] ***Date: June 8, Account: [redacted] Account: [redacted] Regarding Your Recent Credit Card Dispute Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning your recent credit card disputeWe appreciate the time you have taken to document your thoughts and concerns regarding this matterThank you for taking the time to speak with me on May 19, 2017, regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have causedPlease 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’ satisfactionOur research determined you contacted the Dispute Resolution Department (DRD) and disputed purchases made with [redacted] ***Upon contacting the DRD the investigator opened case [redacted] to investigate your claimsThe Bank did provide credit to your account while investigating your concernsOn May 25, 2017, the DRD notified you that your claim was deniedThe credit provided to your credit card was reversed as a result of the investigationBased on the information you provided the intake specialist, the DRD investigated this claim as a non-fraud claimYou stated that you had previously cancelled your service and paid the merchant by other meansIn researching your concerns, we have contacted the DRD and filed a new fraud dispute on your behalfPlease find enclosed a copy of your credit card statements for your two (2) credit card accounts ending in [redacted] and ***Our review of the transactions with [redacted] determined you were charged seven (7) times, and have received credit for five (5) transactionsOn your behalf, we have filed a dispute on the two (2) remaining $transactionsThe case number is [redacted] If you review the enclosed statements and determine there are more unauthorized charges, please contact DRD at ###-###-####, Monday through Friday, a.mto p.m.; Saturday 8:a.mto p.m., ETWe 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., ETSincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Merchant Documents Denial Letter Statements

[redacted] *** [redacted] *** [redacted] *** Date: October 18, Regarding Your Recent Mortgage Application Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.com and your email to the Bank regarding your recent mortgage loan applicationWe appreciate the time you have taken to express your concerns regarding this matterYour comments expressing less than quality service from our employees is extremely concerningOn behalf of the Bank, please accept my sincere apologies for any inconvenience this application process may have caused youPlease be assured that senior management in your region has been informed of your dissatisfaction with the service your receivedWe strive to provide professional and accurate information to all of our customers, and we regret if all the service you received did not meet the same high standardYou also requested the email addresses for Edward R., Head of Mortgage and Greg C., President and Chief Executive Officer of Fifth Third BankPlease be aware our office is charged with the responsibility to research and respond to complaints directed toward Fifth Third ExecutivesOur senior and executive management teams review our customer concerns as part of our ongoing commitment to improving our customers’ satisfactionWhile it is our desire to extend credit to every individual that applies, it is not always possible for us to do soWhen applying for a mortgage loan several factors are reviewed before final approval may be given for the mortgage loan, including any information we receive from the credit reporting agencies, the documentation that you have provided and an appraisal of the propertyShould the information we receive not meet our current guidelines for lending, your application may be declinedI have attempted to contact you by telephone, but have not been able to connect with youAs I mentioned in my telephone message on October 12, 2016, the Bank denied your mortgage loan application on September 7, Please find enclosed a copy of the credit denial letter that was mailed to you the same dayPage one (1) of the denial letter explained your mortgage application was turned down for the following reason, incorrect information provided at time of applicationOur research confirmed that the incorrect information was found on your and tax returnsOn the mortgage application, you and your wife stated the [redacted] property was your primary residenceHowever, your tax returns filed in and 2015, you and your wife filed as single with different addresses as your primary residenceThis information was confirmed by our Bank Protection DepartmentI have enclosed a copy of your and tax return for your convenience and reviewregistered service marks of Fifth Third Bancorp The Second Review Team has also reviewed your application, and confirmed the reason for denial is correctPlease find enclosed a copy of the Fifth Third Bank Mortgage Loan Pricing Agreement and Prepayment of Settlement Costs Policy that you signed and returned to the Bank on August 18, Specifically, on page two (2) the section titled Prepayment of Settlement Costs Policy, which states: An application fee will be charged in connection with your loan applicationWhen applying for a residential mortgage loan a loan application fee is dueThis application fee does not represent a pre-payment of specific closing costsIt does, however, represent a pre-payment of a portion of the total settlement costsAssuming your loan application is approved, this prepayment of settlement costs will be applied towards your total costs due at closing your transactionIf your application is not approved, is withdrawn, or is approved and does not close, you will NOT be entitled to a refund of any fees paid including but not limited to the application fee and long term rate lock feeRate and Point Float Lock $Application fee is due upon your receipt of the Initial Loan Estimate and your expressed intent to proceed with the application when applying for a mortgage loanOnly one application fee will be charged for any one mortgage loan applicationAlong with the Mortgage Loan Pricing Agreement, please find enclosed a copy of the Loan Estimate, your signed Notice of Intent to Proceed, as well as the commitment letter mailed to you on August 3, Upon review of your complaint, Fifth Third has determined that the fact that the application fee was not refundable was disclosed and this fee will not be refunded as explained in the Pricing AgreementWe 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 call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Patrick SOffice of the President PC: Revdex.com Enclosure: Pricing Agreement, Denial of Credit Letter, and tax returns, Loan Estimate, Notice of Intent to Proceed, Commitment 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 Bank are a bunch of crooks, had me pay the application fee after reviewing all of my documents and someone should have seen what they call is information! I cannot wait for the day I am able to refinance my mortgage with another lender and not paying these crooks a single penny ever again! With that being said it took me countless emails and phone calls and a complaint to the Revdex.com in order to receive and answer from Bank! Frank told me inconsistent variables was the reason of denial then he told me it was due to my income and now I am being told because of my taxes, bunch of crooks! Just like the $million settlement Bank had last year regarding discrimination I will not be surprised if it was to happen again due to discrimination against blacks and Hispanics charging them higher interest rates on auto loans! Not only that but the other settlement of $million dollars regarding claims under the Claims Act (FCA) also known as the [redacted] Law relating to loans insured by FHA which also was last yearStealing a customers hard earned money that can be used to provide for his family is not only wrong but unethical, I understand the bank has to make up the nearly $million dollars it had to pay last year in settlement Regards, [redacted] P.SI just responded to their response but I need to add additional information to my response, they have failed to attached the so called, Prepayment of Settle Costs Policy document with my signature on it

This is a copy of the letter that I received dated 8/17/Just click to enlarge it.This letter hardly says anything about the denialYet shows how this deptoperatesAs I said yesterday in my response this letter was not provided to the Revdex.com and the letter dated 9/that they provided only in response to the Revdex.com and my still not getting assistance after receiving the attached letter from even the mgrLemont.Yet the letter from them dated 9/says that they have researched the dispute at this point yet nothing has been provided except saying my dispute was denied and insistant there is nothing I can do about it.Being told that my own letter detailing the dispute is why it was determined services were rendered by the merchant is ridiculous.I need to know specifically why this would be determined by them since my details are obvious to no service was rendered as to what was agreed upon for the 350.00.Also why no response from the merchant is not a factorAs I have been told previous by them that it isThe merchant could have responded and has had days.Also if my letter was in fact the reason it wad denied why since my letter goes back to June, would it have taken this long.I was told the length of time is to allow time for the merchant response in which there wad not one at all.Why Lemont the mgrtold me there was a merchant response and he didn't have even my letter.Very bad customer service! No managementWhen I have asked the questions stated I have been told many times "i don't know the answer to that".So the questions stated are what I need to know since as explained the merchant [redacted] had me text her the front and back of my credit card and didn't do what she said that she would do.I was told by one supervisor that "it was a phone consult"The merchant offers free phone consults as stated on her website.I was told by someone else "you entered into an agreement on her website".I never did anything on the merchants websiteIn fact I only indicated her website as being fraud since she only has her cell phone and no business phone.No one knows what is going on, maybe never read my detailsAlso if any questions I could have been called

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 For your reference, details of the offer I reviewed appear below A one month credit does not cover the months of poor service and unusable internet during peak hoursI contacted Armstrong at least three times over the past months to complain about this issueArmstrong always denied they had an issue and did so in a very non-customer friendly wayI know they have the software tools to trace these problemsThey should have used them instead of merely denying the problemIt was not until that last go-around that Armstrong seemingly solved the problem I pay over $70/mo and I demand a higher level of service for that priceHaving repeated internet bandwidth issues over the past months, and often unusable Internet, is unacceptable and in my estimation is not compensated for by a one month credit Regards, [redacted]

My mother's maiden name is [redacted] Her address is [redacted] ***Her account is [redacted] Please note she is deceased but this was her address and name and account number at the time of her passing[redacted]

[redacted] *** [redacted] *** [redacted] *** Date: April 18, Account: [redacted] Regarding Your [redacted] Credit Card Dear [redacted] ***: We received a copy of the complaint you submitted to the Revdex.com regarding your [redacted] Credit CardWe 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 youI also want to thank you for taking the time to speak with me regarding your concernsSince you stated that you did not make the purchase of $that posted to your [redacted] Credit Card ending in [redacted] on November 21, 2016, and the purchase of $that posted to your account on November 25, 2016, our Disputes Resolution Department opened case number [redacted] to investigate your disputeTheir investigation determined that the purchases were not valid and approved your disputeYou are not responsible for repaying the purchases and related feesI have enclosed a copy of the letter they sent to you on April 4, Your card ending in [redacted] was closed due to fraud and a new [redacted] Credit Card ending in [redacted] was opened as a replacementDue to the fraud on your account, we also submitted an update to all four (4) credit reporting agencies to remove the account ending in [redacted] from your credit reportPlease allow up to thirty (30) days for the credit reporting agencies to update their reportingIf you would like to contact the credit reporting agencies directly, their contact information is listed below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### Since you said you did not receive your statements, we confirmed that your statement preference for your new account ending in [redacted] is for the statements to be mailed to the mailing address on fileI hope this letter meets your satisfaction and resolves your needsThank you for your patience while we conducted our researchYou 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 ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Dispute Approval Letter

[redacted] *** [redacted] *** [redacted] *** Date: January 16, Account: [redacted] Regarding Your [redacted] Account Dear [redacted] ***: We received a copy of your complaint filed with the [redacted] (***) and Better Business Bureau (Revdex.com) regarding your credit card accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for the frustration you experienced regarding this matterWe received a $payment for your credit card account on December 26, There was no outstanding balance owed on the credit card account; therefore, the account became overpaid by $Fifth Third Bank policy requires that we wait ten (10) business days before the overpayment can be returnedThis is done to ensure that the payment is not returned unpaid after we have already issued a refundI am sorry for the dissatisfaction this has caused youPlease note that January 1, 2018, was the Federal Holiday for New Year’s DayAs a result, January 1, 2018, was not a business dayThe tenth (10th) business day after your payment was January 10, Please be assured that on January 11, 2018, we removed the $overpayment from the credit card and sent it back to you in the form of a check to the address listed aboveIf you do not receive the check by January 25, 2018, please call me using my phone number listed belowWe have also closed the credit card per your requestAs of January 12, 2018, the account is closed with no balance owedWe 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 HOffice of the President Pc: [redacted] , 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 They have never addressed the letter I've provided from the GAP insurance company's legal department.According to a consumer complaint lawyer I've talked to, FIFTH THIRD BANK has no legal right to keep the money they collected after the car was totaled Yes, I received the checks they provided of $and $trying to settle this matter; however they still owe me $ FIFTH THIRD BANK is the one who provided GAP with the payoff amount of the loan, so if the amount GAP provided was incorrect as FIFTH THIRD BANK claims in their letters, it is their OWN FAULT Their own employee told me I would receive back the payment made in December when the claim was settled Regards, [redacted] ***

[redacted] [redacted] *** [redacted] *** Date: December 21, Account: [redacted] Regarding Your Installment Loan Dear [redacted] : We received a copy of the complaint filed with the Revdex.com regarding the car title held for collateral for your installment loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matterIt was certainly not our intention to cause you any undue hardship and we sympathize with the difficulties you encounteredOn behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused youI understand your frustration when this situation occurredHowever, our Consumer Contact Center strives to provide professional and accurate service during every telephone call they receive throughout the dayI am sorry if your telephone call experience did not meet the same high standardYour vehicle loan was paid in full on November 19, 2015, and the loan was closed that same day with a zero balance owedWe do not release the lien on a vehicle title for approximately five (5) to seven (7) business days after receiving the payoff to ensure that the payoff we receive is not reversed for any reasonWe have verified that the lien was released from the [redacted] and the title was mailed on November 27, According to your complaint, you did not receive the titleTherefore, on December 14, 2015, we issued a check for $and sent it to the address listed above in order to assist you with ordering a duplicate title from the State of [redacted] In addition, we also included paperwork which confirms the release of the lien for this particular vehicle loanI hope this letter addresses all of your concerns and you are satisfied with the resolutionWe appreciate your patience while we researched this matterYou were a valued customer and we sincerely hope that you will consider using Fifth Third Bank for your financial needs in the futureIf I may be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####Sincerely, Lisa SOffice of the President Pc: Revdex.com

She has a copy of the letter! I will send confirmation today from my agent but I need a fax number I'm extremely upset at the way this is being handled by Fifth Third Bank because we were told this would be resolved if they had confirmation from my insurance company which they did in the form of a dictated letterWhen they received the letter they then changed their requirements to a declaration pageI have spent many many months on this and they find loopholes to not refund my money when they got what they required in the first requestThey can not keep going back adding more requirements when we fulfilled the first several! This is highly questionable practices on their part and I don't understand why this can not be resolved by reading their first request that all they needed was confirmation from my insurance companyThey got it in a phone call from my agent then they wanted more and got it in a letter now they want even more! What's to stop them from adding another requirement? If you go to the many many review sites on the internet Fifth Third Bank has horrible reviews yet your site has them rated as an A+? I see how it works that you have to keep rejecting their responses and providing endless documentationThis is not set up to help the consumer by any means!