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Address: Mariano Escobedo # 403 Col. San Sebastián Toluca, Toluca, México, Mexico, 50150
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[redacted] [redacted] ** [redacted] *** Date: December 2, Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted] : We received a copy of your complaint filed with the [redacted] and the Revdex.com (Revdex.com) regarding your mortgage loan 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 and difficulties you experienced regarding your recent escrow analysisEnclosed is a copy of our previous correspondence dated November 23, 2016, regarding this matterWe confirmed that your insurance payment was listed twiceThe analysis has been corrected and a $surplus was sent to you in the form of a check on November 18, An additional surplus of $was spread out over the next twelve (12) months per the November 21, 2016, analysisYou mentioned in your complaints to the [redacted] and Revdex.com that the Bank was holding more than two (2) months of escrow payment in your escrow accountPlease be advised that the Real Estate Settlement Procedures Act (RESPA) allows the Bank to maintain an escrow cushion equal to two (2) months of escrow payment minus any Private Mortgage Insurance (PMI) paymentsThis means that if the projected monthly escrow balance falls below the cushion amount at any time during the twelve (12) month analysis period, there is an escrow shortageThis does not mean that the balance in the escrow account cannot exceed the cushion amountIt is likely that in the process of collecting the funds needed to pay the escrow obligations, the escrow balance will exceed the minimum cushion amountI was able to review your phone calls to our Customer Service Department, and verified that you attempted to explain the duplication of your homeowner’s insurance on multiple occasionsHowever, the agents you spoke to did not appear to understand that the estimated second (2nd) insurance payment was contributing to the escrow shortageI am very sorry for the distress and inconvenience this caused youPlease be assured that I have forwarded this information to the relevant Bank managementWe appreciate your feedback as it assists us in identifying problems and to continuously improve the level of service we provide to our customersHowever, I cannot inform you of specific internal corrective actions that may be taken to resolve this matterPlease be advised that representatives in our Customer Service Department are not required to provide their last names to customersHowever, they do have an employee identification number they can provide insteadAdditionally, our Escrow Department does not have customer service employees available to speak to customersCustomers can speak to an employee in the mortgage area of our Customer Service Department, who can communicate requests to the Escrow DepartmentPlease feel free to contact me directly if you experience escrow issues in the futureWe 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 Enclosures: Previous Response
[redacted] [redacted] *** [redacted] *** Date: January 5, Account: [redacted] Regarding Your Mortgage Loan Dear [redacted] : We received a copy of the follow up complaint you filed with the Revdex.comWe appreciate the time you have taken to document your thoughts and concerns regarding this matterAs was previously explained to you in my letter dated December 21, 2017, an escrow surplus of $or more is only sent if the loan is current when the escrow analysis explaining that there is an escrow surplus is doneFor clarification, there was an escrow surplus with the analysis that was completed on May 31, As you are aware, the mortgage loan was delinquent at the time this surplus was discoveredAs was also explained previously, if there is still a surplus in the escrow account when the next annual analysis is done, and the loan payments are current at that time, the Bank will send a check to you for any escrow surplus of $or morePlease note that an escrow analysis must be completed to determine if a surplus or shortage exists in the accountYour mortgage loan is scheduled for the annual analysis to be completed in December of each yearAccording to the enclosed copy of the Annual Escrow Account Disclosure Statement dated December 26, 2017, there was an escrow surplus of $1,Therefore, a Fifth Third Bank Official Check for $1,was sent on December 27, If you do not receive the check within two (2) weeks from December 27, 2017, please contact me directly at the telephone number provided in this letter so I can ensure that a new check is sentPlease accept my sincere apologies for any inconvenience or frustration this matter 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, Adam P.Office of the President PC: Revdex.com Enclosure: Annual Escrow Account Disclosure Statement Dated December 26,
[redacted] l [redacted] *** [redacted] *** Date: July 24, Account: [redacted] Account: [redacted] Regarding Your Checking and Credit Card Accounts Dear [redacted] l: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your checking account and [redacted] 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 matterThank you for taking the time to speak with me about your accounts and the Overdraft Protection transfer that took placeAs we discussed, our records reflect that your application for the [redacted] ending in [redacted] was flagged for Overdraft ProtectionWhen the credit card was opened, it was automatically linked for Overdraft ProtectionIf an Overdraft Protection transfer is processed, the Bank assesses a $Overdraft Protection feeOn May 3, 2017, there was an overdraft on your checking accountPer the enclosed Overdraft Notice, the ending balance in the checking account on May 3, 2017, was negative ($73.01)Due to your Overdraft Protection, we automatically transferred $in cash off the credit card and deposited the funds to the checking account on May 4, The $included $to cover the overdraft amount and $for the transfer feeAs we discussed, enclosed is a copy of the May checking account statement that shows the $deposit to the checking account on May 4, The deposit is listed as Overdraft Transfer From x***Because $was transferred off the credit card, the credit card shows the $transaction alsoThe account became overdrawn again on May 4, The $Overdraft Protection transfer was sufficient to bring the account to a zero ($0) balance based on the previous day’s activityHowever, three (3) more debit card transactions posted to the account on May 4, The ending balance in your checking account on May 4, 2017, was negative ($36.63)You completed a $online transfer from your savings account to the checking account that dayHowever, as we discussed, the transfer was completed after the cut-off time of p.mAs a result, the funds transfer was processed for the business date of May 5, Because the account was negative when the funds were transferred, the full $you transferred was not available as it covered the negative balance in the accountI confirmed that the Overdraft Protection was disconnected as you have requestedAs we discussed, the credit card is no longer linked to your checking account to automatically transfer funds in the event of an overdraftThe account will be subject to applicable overdraft fees in the absence of Overdraft ProtectionWe also spoke about Overdraft CoverageYou are opted in to Overdraft Coverage, which means the Bank can approve one (1) time debit card transactions even if there are insufficient funds to cover the transactionAs a result, overdraft fees can be assessedIf Overdraft Coverage is declined, the Bank will decline one (1) time debit card transactions if there are insufficient fundsBecause the transaction is not approved, an overdraft fee is not assessedYou confirmed that you would like to remain opted in to Overdraft CoveragePlease note that you can change your Overdraft Coverage preference online at 53.com, at a banking center, or through an automated phone system at ###-###-####Page fifteen (15) of the Rules and Regulations provides information about Overdraft CoverageWhile our records show that it was selected on your application to have the credit card linked for Overdraft Protection, we are unable to locate a copy of the signed applicationBecause we cannot confirm your selection, we waived the $Overdraft Protection transfer fee from the checking accountA previous representative waived a $late fee and $in finance charges from the credit cardI waived the remaining $in finance charges on the credit card associated with the Overdraft Protection transferThis created an overpayment of $on your credit card account that I have transferred to your checking accountAll fees associated with the Overdraft Protection transfer have been waivedI confirmed that there are no late payments for the credit card account on your credit reportYou advised during our conversation that you would attempt to answer the calls from our Collection Department about the credit card, but then the line would hang upI am very sorry for the distress this caused youPlease be assured that I have provided our Collection Department with this informationWe 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: Checking Account Statement, Credit Card Statement, Overdraft Notice, Rules and Regulations, Overdraft Coverage Enrollment Form
[redacted] [redacted] *** [redacted] * [redacted] *** Date: June 2, Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com regarding your installment loanWe appreciate the time you have taken to express your clients concerns regarding this matter, and we sympathize with the difficulties you have experiencedWe have completed our review of the payment history reporting on your credit report for your installment loanOur review determined that the information provided to the credit reporting agencies is accurateWe regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to correct prior negative reportingOn May 5, 2006, the Bank approved your application for an installment loan, using your *** [redacted] as collateralI have enclosed a copy of the security agreement and payment history for your car loanThe first payment on your installment loan was due August 3, Your loan was a seventy-five (75) month loan, with a maturity date of October 3, Please use your payment history as verification the last payment received for your installment loan was made on January 7, On May 31, 2010, the loan was charged off and sent to our collection departmentThe charged off principal balance on your installment loan was $8,The Bank tries to offer solutions to our customer’s whenever possibleTherefore the charge off recovery team may be willing to discuss a possible settlement in regards to your installment loanIn order to discuss a settlement offer you will need to contact the Recovery Department at ###-###-####A representative is available Monday through Friday a.mto p.m., ETIt should be noted that when an account is charged off, fees and interest may be billed to the accountAs of June 1, 2016, the payoff amount of the installment loan is $13,286.36, with a $per diemIf you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] Equifax ###-###-#### [redacted] Experian ###-###-#### [redacted] TransUnion ###-###-#### [redacted] Innovis ###-###-#### We appreciate your patience while we conduct our researchIf you should have additional questions concerning this matter, please contact me at ###-###-#### or toll-free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Payment History, Security Agreement
[redacted] [redacted] ** [redacted] *** Date: January 9, Account: [redacted] Regarding Your Auto Insurance Dear [redacted] : We received a copy of the complaint you submitted to the Revdex.com regarding your auto insuranceYour feedback is very important to us as it allows us to better understand how we can improve our service to youTo maintain the security of your personal and account information, I am sending this letter to the address we currently have on record for youI noticed that the address you use in your complaint is differentAccording to our security protocols, I cannot update your mailing address based upon your complaintI encourage you to call customer service to make sure your contact information is properly updatedCustomer service can be reached at ###-###-####, Monday through Friday, a.mto p.m., and Saturday 8:a.mto p.m., ETOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youAfter receiving your complaint, we confirmed with our Insurance Service Center that they received adequate proof of insurance as required under the terms of your contract for the vehicle securing your auto loan ending in No additional documentation is needed from you at this timeIf you have any additional questions or concerns, please contact our Insurance Service Center at ###-###-####, Monday through Friday, a.mto p.m., and Saturday, a.mto p.m., ETPlease be sure to reference number [redacted] when speaking with an agentYou may also visit their website at insuranceservicecenter.comPlease also note that Fifth Third Bank does not repossess vehicles for inadequate proof of insuranceHowever, if you fail to provide adequate proof of insurance, we may force place insurance on the vehicle, and the premium would be added to your auto loanI am sorry for any misunderstandingThank 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
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint the paymenr was not returned to me June 6,It was taken out of my account [redacted] can confirm that it was not returned Regards, [redacted] ***
[redacted] *** [redacted] ** [redacted] *** Date: February 1, Account: [redacted] Regarding Your Checking Account Dear [redacted] ***: We received a copy of the complaint you submitted to the Revdex.com regarding your checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experiencedOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured we researched this matter thoroughly and passed on your concerns to the relevant parties in 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’ satisfactionIn the spirit of customer service, we waived the additional $in overdraft fees that were assessed to your account ending in [redacted] January 10, 2017, through January 12, I truly hope this resolution meets your satisfactionI also want to help you understand how items are posted to your account and how fees are assessed to help you avoid overdraft fees in the futureFifth Third Bank processes transactions at the end of each business dayThis does not include Saturdays, Sundays, and Federal HolidaysTransactions are posted in the following order: Credits and deposits made prior to the end of day cut-off time and subject to our Funds Availability PolicyTime-stamped debits, such as ATM (Automated Teller Machine) withdrawals and debit card purchases, in the order in which they are receivedAll other debits, including checks and electronic bill payments, in the order of largest amount to smallest amountFees and service charges in the order of the largest amount to the smallest amountDebit card and Automated Teller Machine (ATM) transactions are time-stamped debits and are pre-authorized by us at the time of card use and appear in your account as pending items until they are postedOther debits such as checks and electronic bill payments are not pre-authorized by us and do not include a timestampTherefore, these items will not appear as pending during the day because they are collected during overnight processingThese transactions will post to the statement for the business day they were presented for payment from Fifth Third Bank, the day the payments were authorized by you to be paidAs the customer you are in the best position to know what checks and electronic payments were authorized by you and outstanding on your accountI have enclosed a copy of our current Rules and Regulations for your reviewPages eleven (11) and twelve (12) provide additional information regarding our transaction posting orderOn January 9, 2017, the beginning balance in your account was $Two (2) credits totaling $0.09, and ten (10) debits totaling $posted to your account on that dayThe debit items included six (6) debit card purchases, three (3) ATM withdrawals, and one (1) web initiated paymentYour account had a negative ending balance of ($204.62)When you viewed your account via Mobile Banking on that day, you would have seen the debit card purchases and ATM withdrawals as pending transactions on your account because those types of transactions are time-stampedHowever, you would not have seen the web initiated payment as a pending transaction because those types of transactions are not time-stamped and do not appear in your account until they are posted at the end of the business dayDue to insufficient funds for the web initiated payment, one (1) overdraft fee of $was assessed and posted to your account the following business dayOn January 10, 2017, your account had a negative beginning balance of ($204.62)Three (3) credits totaling $and three (3) debit items posted to your account on that dayThe debit items included two (2) web initiated payments and the overdraft fee assessed for the previous business dayYour account had a negative ending balance of ($45.40)Due to insufficient funds for both web initiated payments, two (2) overdraft fees totaling $were assessed and posted to your account the following business dayAgain, please keep in mind that you would not have been able to see the web initiated payments as pending transactions on your account because those types of transactions are not time-stampedOn January 11, 2017, your account had a negative beginning balance of ($55.40)One (1) ATM deposit of $was credited to your account and three (3) debit items totaling $posted to your account on that dayThese items included one (1) debit card purchase, one (1) web initiated payment, and the overdraft fees assessed for the previous business dayYour account had a negative ending balance of ($129.88)Due to insufficient funds for the web initiated payment one (1) overdraft fee of $was assessed and posted to your account the following business dayOn January 12, 2017, one (1) ATM deposit of $and two (2) overdraft fee waivers totaling $were credited to your account bringing your account to a positive balanceI have enclosed copies of the overdraft notices we sent to you for your reviewFor your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides information regarding the fees assessed to your account, Overdraft Protection options, and Overdraft Coverage optionsOur records also show that you declined Overdraft Coverage for ATM and everyday debit card transactions which means if you attempt to authorize your debit card beyond the balance in your account the transaction will be declinedYou have the ability to change your Overdraft Coverage preferences for ATM and everyday debit card transactions online at 53.com, at any Fifth Third Bank banking center, or by calling customer service at ###-###-####, Monday through Friday, a.mto p.m., and Saturday, 8:a.mto p.m., ETThank you for your patience while we researched this matter for youIt is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with usIf 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 Enclosures: Rules and Regulations, Overdraft Notices, Overdraft Solutions Document
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 Unfortunately, I did ask Fifth Third Bank to provide me with any documents received from [redacted] *, which they stated they did not have any as the hotel did not provide them with suchI find it hard to believe that they would be able to provide supporting documentation concerning televisions not working for most or all of their customers for weeks at a time as I was not the only room without a working television in addition to a toilet which did not work at all and was forced to use the lobby of the hotels restroom despite asking management to repair both almost every day of my thirty days at that locationIn addition, I do not believe they provided your office with any supporting documentation as it relates to the several hundred dollars in tax money I am supposed to receive back from the hotel on the thirtieth dayPlease, accept my apologies as I forgot I had not closed my Access account as was unaware I had a fraud block placed on my card as any dispute which may have been filed was decided in my favor against the merchant by, Fifth Third BankPlease, provide any supporting documentation to the Revdex.com as it relates to [redacted] and it's 'supporting', documentation as well as a dispute not ruled in my favor against any and all merchants relating to the Access 360, accountI look forward to hearing from youThank you Regards, [redacted]
[redacted] *** [redacted] *** [redacted] *** Date: August 4, Account: [redacted] Regarding Your Installment Loan Dear [redacted] ***: We received a copy of the rebuttal filed with the Revdex.com regarding your vehicle loanWe appreciate the additional time you have taken to document your new concerns regarding this matterOn July 22, 2016, we received and posted your payment in the amount of $1,This payment brought your installment loan currentYour next payment of $will be due on August 10, As advised in our previous response, according to our insurance center, your comprehensive insurance coverage was cancelled on December 16, A new policy was written on March 30, 2016, that included comprehensive coverageHowever, the effective date for this policy was May 24, Subsequently, the insurance coverage that was purchased by the Bank, on your behalf, was in effect for December 16, 2015, until May 24, According to our insurance center, as of July 29, 2016, the letter from your insurance agent had not been receivedHowever, in order for your agent to provide proof that you had comprehensive coverage from December 16, 2015, through May 24, 2016, a declaration page for your policy must be providedA declaration page is normally the front page of your insurance policy that provides the policy holder’s name and address along with the related car information, policy number, term and effective datesWe will not be able to consider a refund of the forced placed insurance premium until we receive a declaration page showing comprehensive coverage effective during this timeYour insurance agent may fax the declaration page to my attention at ###-###-#### and I will forward this document to our insurance center for reviewThank you for your patience while waiting for our responseYou are a valued customer and we hope that you will continue using Fifth Third Bank in the futureIf I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, [redacted] Office of the President Pc: Revdex.com
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint Although I did not save the original letter they mailed to me, I found online the similar offer (Attached)I remembered clearly that I asked when I activated my card about the promotion, and I was told it's $if spending $3,for first months, the notes was in my accountAnd the problem is after months, I called in the card customer service and asked about the promotion, I was told I am qualified according to the notes in my accountNow after waiting and calling for almost monthSuddenly I am not qualified? How shameful is this company keep doing this to her customers! Regards, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint We have never lived at [redacted] I don't even know who lives thereWe live at [redacted] and have for almost yearsLooks like fifth third has screwed up yet againsurprise surprise!! lost checks and now you are sending important sensitive information to the wrong addressI am furiousThis is a violation of my privacy and people wonder why identity theft is such a problemMaybe it's time to contact the press I'm sure readers would love to hear how the bank is sending my sensitive mail to an address unknown to us Regards, [redacted]
Problem: Again September 26,my credit was ran again Christopher C [redacted] was suppose to run my husbands credit and ran mine again without my permission my credit was ran 3x’s with this bank Mr.C [redacted] sent me emails stating to get financing through another bank that deals with self employed people this is ridiculous and he came and told me to start a new application again with the same house I’m applying for and The underwriting does not know how to read taxes they lie they need professional people to deal with clients this is becoming ridiculous already everyday at 5:pm and on Mr.C [redacted] always emails with not professional things I had EMAILED MR.C [redacted] ASKING FOR A BOARD REVIEW FOR MY APPLICATION AND READ ALL THE DOCUMENTS I SENT VIA EMAIL AND MAIL TO PLEASE REVIEW AGAIN THERE IS A DISCREPANCY SOMEWHERE THEY ARE FAILING TO DON’T DO THERE JOB PROFESSIONAL ALSO WHY DID IT TAKE MR.C [redacted] TO RUN MY HUSBANDS CREDIT DAYS LATER AFTER I REQUESTED INHAVE PROOF OF MY TAXES PLEASE I NEED A BOARD REVIEW THE PRESIDENT OFFICE IS FAILING TO CONTACT ME REGARDING THIS REOCCURRING MATTER!!!Desired Outcome: REVIEW BOARD FOR MY APPLICATION AND A REFUND FEE FOR APPLICATION FOR THE TROUBLE I HAVE ENCOUNTERED W
[redacted] [redacted] *** [redacted] *** [redacted] *** Date: July 28, Account: [redacted] Regarding Your Access Account Dear [redacted] : We received your complaint filed with the Revdex.com regarding your Access accountWe appreciate the time you have taken to express your thoughts and concerns regarding this matterWe were able to review your concerns regarding the refund of $that was credited to your Access card ending ***Our records indicate that check number [redacted] for $was mailed to you at the address on file, on May 12, As we were able to confirm the check has still not been cashed, we placed a stop payment on the check, and a new check number [redacted] was issued and sent to you at the address aboveIf you do not receive the check within the next two (2) weeks, please contact me directly at the telephone number belowBecause we were able to confirm that the check was mailed to you on May 12, 2016, we are not able to provide you with any additional compensation for interestWe apologize for any difficulty or concern this may have caused youIt should be noted that although a card has been closed, a merchant is still able to process a refund to the cardIn these situations, the Bank will issue a check to you for the amount that was creditedThere is not a way to restrict a refund from being acceptedWe 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 ###-###-###6, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Brandy WOffice of the President Pc: Revdex.com
[redacted] [redacted] *** [redacted] *** Date: April 5, Regarding Your Revdex.com Complaint Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com concerning a check that was returned unpaid to you due to it being fraudulentWe appreciate you taking the time to notify us of this and the information has been forwarded our Fraud DepartmentWe would like to offer our sincere apologies for any inconvenience this matter may have caused youWhile we are unable to provide you details regarding the Fraud Department’s investigation, or reimburse you for the check, we recommend contacting your local police department to further discuss the situationThey are able to assist you with completing the necessary documents for any fraud that may have occurredWe strive to provide professional and accurate service to our customers, and I apologize for any difficulties 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, Shannon K.Office of the President
[redacted] [redacted] *** [redacted] *** Date: June 29, Regarding [redacted] Dear [redacted] : We received a copy of your complaint filed with the [redacted] (***) and Better Business Bureau (Revdex.com) regarding your check to [redacted] We 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 matterPer your conversation with Bancorp Resolution Manager Lee F., Fifth Third Bank processed the check presented to us for payment correctly on October 28, We have forwarded the information to the business involvedFor additional updates about the information listed on your credit report, please contact the business directlyWe 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: [redacted] , Revdex.com Enclosures: Check Image
[redacted] *** [redacted] *** [redacted] *** Date: March 31, Accounts: [redacted] Regarding Your Checking Account Dear [redacted] ***: We received a copy of your complaint filed with the Revdex.com, concerning your escheated accountWe appreciate the time you have taken to express your concerns regarding this matterWe understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience this matter might have caused youYour 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’ satisfactionA checking account is placed in a dormant status after there have been no withdrawals or deposits on the account for twelve (12) monthsThe posting of interest is not considered activityOn March 30, 2010, one (1) check totaling $posted to your checking account ending in ***, which brought your account balance to $2,After there had been no withdrawals or deposits on the account for twelve (12) months, your account was placed in a dormant statusWe informed you of this account status change on your account statement that ended on March 9, Although your checking account was linked to your savings account ending in ***, the savings account was also placed in a dormant status and we informed you of this account status change on your account statement that ended on March 27, A savings account is placed in a dormant status after there have been no withdrawals or deposits on the account for thirty-six (36) monthsOn August 27, 2015, the Bank sent a letter to the address above to notify you that the unclaimed funds in your checking account may be transferred to the State of [redacted] unless you contacted the Bank no later than September 17, The Bank is not required to send such notices via certified mailFor your records, I have enclosed a copy of this letterFor your convenience, I have enclosed a copy of our Rules and Regulations that you should have received when you opened the accountsPages seventeen (17) and eighteen (18) detail how an account can become dormant and what fees can be assessedI apologize if you were unaware of these policiesWe regret that the Bank is unable to reclaim the funds from [redacted] on your behalfIn order to reclaim the funds, you will need to contact the State of [redacted] directly at *** [redacted] You can also search the State of [redacted] website for unclaimed property at [redacted] If I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted] , Monday through Friday, a.mto p.m., ETSincerely, Elizabeth JOffice of the President Pc: Revdex.com Enclosures: Rules and Regulations and Letter dated August 27,
[redacted] [redacted] ** [redacted] *** Date: January 30, Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted] : We received a copy of the follow up letter you sent to the Revdex.com regarding your vehicle installment loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties 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’ satisfactionPlease be aware that the Bank processes installment loan payments as soon as we receive themIn regards to your statement that the Bank has taken an excessive amount of time to process your loan payments, our review of the payment history does not show any evidence of thisIf you have specific documentation or examples where we have held a payment for any length of time after the payment was received, please provide details of this and we will investigate and make any necessary correctionsPlease send the requested information to the address or fax number contained in this letterBeing told by representatives of the Bank that it can take three (3) to five (5) business days for a payment to post to your loan is not inaccurateFrom the time that a payment is mailed to the Bank to when the payment is received and processed, would typically be about three (3) to five (5) business daysAdditionally, after a payment is received and processed by the Bank, it is reflected in our systems and is able to be seen by a representative of the Bank upon reviewing the payment history on the accountAs was stated in my previous response to you on January 13, 2016, if you have documentation showing that any late payment received by the Bank was received before the loan was past due for payment, please send it to us and we can determine if the negative information that was reported to the credit reporting agencies can be correctedPlease send the requested documentation by mail to the following address: Fifth Third Bank Attn: Adam POffice of the President Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH Alternatively, you can fax this information to my attention directly at ###-###-#### [redacted] , we strive to provide professional and accurate service to all of our customers, and we regret if this has not been your experienceIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Adam POffice ofthe President PC: Revdex.com
[redacted] *** [redacted] * [redacted] *** Date: May 27, Account: [redacted] Regarding Your ATM Deposit Dispute Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.com concerning your Automated Teller Machine (ATM) deposit disputeWe appreciate the time you have taken to document your thoughts and concernsOn February 5, 2016, the enclosed letter was sent to you explaining that case [redacted] was opened to investigate your allegation that a cash deposit made via ATM in the amount of $was not credited to your accountAn investigation was conducted, and the ATM was found to be in balanceOn May 12, 2016, the enclosed letter was sent to you explaining the denial of your claimIt should be noted that we received your initial request for the dispute during your telephone call to the Bank on Sunday, April 3, Because the Dispute Resolution Department was closed, this information was forwarded to them for the case to be opened for further investigationI am sorry for any concern it may have caused when you called the Dispute Resolution Department on April 4, 2016, and the case was not yet entered into the systemBased on your conversations with the Dispute Resolution Department, we reopened the investigationHowever, after our additional review of the ATM, we confirmed that the ATM was in balanceBecause the ATM is in balance, we are unable to approve your disputeI apologize for any difficulties you may have experienced when attempting to discuss this matter with the BankThank you for your patience while we researched this matter for youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, April QOffice of the President Pc: Revdex.com Enclosures: Dispute Status Letters
[redacted] [redacted] *** [redacted] *** Date: September 7, Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com regarding your recent depositWe appreciate the time you have taken to document your thoughts and concerns regarding this matterYour comments expressing less than quality service are very concerning and I regret the difficulties you have experiencedI have shared the information you brought to our attention with the banking center manager at the [redacted] Banking CenterWe appreciate your feedback as it assists us in identifying problems and helps continuously improve the level of service we provide to our customersHowever, I cannot inform you of specific internal corrective actions that may be taken to resolve the matterWe appreciate having you as our customer and value the trust you have placed in usDespite our best efforts, mistakes sometimes happenOn Friday, August 26, 2016, you made an $cash deposit into your checking account ending in ***If the deposit would have properly posted to your checking account, the funds would have been available immediatelyAs you are aware, due to a processing error the deposit did not post to your checking accountOn August 29, 2016, you made several attempts to contact the banking center manager regarding this depositUnfortunately, the manager was unexpectedly out of the office on Monday, August 29, However, the banking center employees correctly submitted a research request to locate your depositIn addition, the banking center employees contacted their Regional Risk Manager who provided provisional credit to your account while the research request was processedOn August 30, 2016, two (2) credits of $posted to your checking accountOn August 31, 2016, one (1) of the $credit transactions was reversedThis reversal properly balanced your checking accountThe transactions will be on your next statement; however, I have enclosed a copy of the recent activity in your checking account as verification of the fee reversal and the credit activityYour account was assessed a $overdraft fee due to this processing errorOn August 31, 2016, the banking center manager reversed this feeThe Bank did not report this activity to the debit bureau agenciesWe truly value your business, and we look forward to continuing our banking relationship with 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 Enclosure: August Checking Account Activity
[redacted] [redacted] ** [redacted] *** Date: March 28, Regarding the Mortgage Interest You Paid Dear [redacted] : We received a copy of the complaint you submitted to the Revdex.com regarding the mortgage interest you paid on [redacted] mortgage loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matterI also want to thank you for taking the time to speak to me about your concernsOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youAfter speaking with you on March 21, 2017, I reached out to Fifth Third Bank’s legal counsel for advisementUnfortunately, we are unable to send the Form [redacted] Mortgage Interest Statements for [redacted] mortgage loan to you because you are not a signer on the loanYou may want to consider consulting a tax advisor about how to claim the mortgage interest you paid on your tax returns without copies of the Mortgage Interest StatementsThank you for your patience while we conducted our researchIf 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