PROCORPSA Reviews (2444)
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Address: Mariano Escobedo # 403 Col. San Sebastián Toluca, Toluca, México, Mexico, 50150
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[redacted] Date: January 3, 2018 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your installment loan....
We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. I can assure you that we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We have completed a review of your account ending in [redacted] and the hardship application you submitted regarding this loan. Please be assured that your application for assistance has been fully processed and your next due date is February 28, 2018. Our records indicate that the incorrect maturity date was listed on the initial deferment paperwork. We regret any difficulty this may have caused you. Please be assured the late fee that was assessed to the account as a result of our error has been waived. In addition, please find enclosed a check in the amount of $12.59 to reimburse you for the additional costs that you incurred for providing the documentation to us a second time. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Office of the President Pc: Revdex.com Enclosure: Check
[redacted] Date: March 24, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your Essential Checking...
account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. We strive to provide exceptional service, and I am sorry that was not your experience. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Fifth Third Bank Essential Checking accounts offer no monthly service charges for students aged sixteen (16) and above. The student discount will expire on December 31st the year the customer turns twenty-three (23). If necessary, it can be extended for one (1) year at a time upon verification of student status with a valid student ID. The student status on your Essential Checking account ending in [redacted] expired on December 31, 2016. In order to continue receiving the student fee waiver you will need to visit a Fifth Third Bank banking center to provide a valid student ID. Once you provide verification, the student status will expire again on December 31, 2017, and you will need to verify your student status again to continue receiving the student fee waiver. It was certainly not our intention to cause you any hardship. In the interest of customer service, we waived monthly service charges totaling $15.00. We are unable to waive any additional fees per our bank policy. Thank you for your patience while we conducted our research. You are a valued customer, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth 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 find that this resolution is satisfactory to me. Re-initiation of claims is highly appreciated.
Regards,
[redacted]
[redacted] Date: January 11, 2016 Account: [redacted] Regarding Your...
Checking AccountDear [redacted]: We received a copy of the complaint filed with the Revdex.com concerning a recent deposit made at a Fifth Third Automated Teller Machine (ATM). We appreciate the time you have taken to document your thoughts and concerns regarding this matter.We would like to offer our sincere apologies for any inconvenience this matter may have caused you. Please be assured that Fifth Third Bank takes your feedback regarding your experience very seriously, and I have contacted the relevant parties to pass on your concerns. We strive to provide professional and accurate service to our customers, and I regret if the service you received did not meet the same high standard. Per your complaint, on December 28, 2015, you made a $670.00 check deposit into an ATM located at our [redacted] Banking Center. While the transaction was still being processed, the ATM shut down. When the machine came back online, your card was not returned and your checking account did not receive the credit for the $670.00 deposit. According to the manager from the [redacted] Banking Center, your card was retrieved from the ATM and given back to you on December 30, 2015. Also on December 30, 2015, a dispute was filed for deposit transaction. We began an investigation and on December 30, 2015, your checking account was given provisional credit of $670.00 while we researched your dispute. The investigation into this matter is still ongoing. We will have a final determination no later than February 12, 2016. If the ATM dispute is found to be in your favor, the $670.00 credit will remain in your checking account. If your dispute is denied, the $670.00 credit will be removed from your account. You will receive notification from our disputes department as soon as their investigation is finalized. It was certainly not our intention to cause you any hardship and we appreciate your patience while we reviewed this matter. I would like to assure you that we are diligently researching your claim and using every resource to finalize your dispute as quickly as possible. We value your relationship and look forward to fulfilling all of your financial needs for years to come. If I could be of further assistance to you please call me toll free at ###-###-#### or directly at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, Lisa S.Office of the President Pc: Revdex.com
Revdex.com:This modification was recinded during my deployment because my payments werent getting to them in time. This happened over two years ago and is being reported as it is just happening. My credit has been damaged twice now by one incident over two years ago in the past. When I paid off this car early my account was in good standing and my credit score was over 700. This is fraudulent reporting at best. If this company is interested in quoting the contract they should point out the portion again where two payments have to be late. The second payment was in the grace period (as the representatives talked about over the phone that no longer exists when referenced here but still did at the time when talking to representatives on the phone). This company changed their phrasing from grace period to penalty free period, which still applied and finally one of the managers with nothing left to say stated that he just wasn't changing it back. The defining criteria when they rescinded the modification was that a payment went past 30 days ( which was no where in the contract). But I am not even concerned about this part of their scam. This is just what they used to pivot and change the issue in their response. I wasn't bringing up past problems with this crooked company, I am complaining about a whole new scam.This company is scamming and back pedaling to justify its actions. My complaint isn't currently about the loan modification that they rescinded, it is about them negatively reporting to my credit the same incident twice as two separate events and reporting it as current when it happened over two years ago and my credit had already been negatively affected as the the business response pointed out. The contract did not specify that my credit would be negatively impacted multiple times by the same incident. Please show that portion of the contract in your fraudulent claim... In closing, my credit has been negatively affected multiple times by one incident that happened over two years ago and is being reported as current. My account was in good standing and paid off early and this company's response to that was to wreck my credit when immediately before I paid off this auto loan they were reporting that everything was in good standing every month. This company had to go so far as removing all of my payment history from my credit reports to be able to justify reporting it as charged off because everything was paid in a timely manner all the way down to zero on my credit reports. How does a company get away with something like this??? I am going to look into finding their registered agent. This isn't right. they shouldn't be able to do this to people and keep hurting them over and over. [redacted] I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
Regards,
[redacted]
[redacted] Date: December 2, 2016 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 account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the frustration and difficulties you experienced regarding your recent escrow analysis. Enclosed is a copy of our previous correspondence dated November 23, 2016, regarding this matter. We confirmed that your insurance payment was listed twice. The analysis has been corrected and a $359.63 surplus was sent to you in the form of a check on November 18, 2016. An additional surplus of $27.30 was spread out over the next twelve (12) months per the November 21, 2016, analysis. You 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 account. Please 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) payments. This 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 shortage. This does not mean that the balance in the escrow account cannot exceed the cushion amount. It is likely that in the process of collecting the funds needed to pay the escrow obligations, the escrow balance will exceed the minimum cushion amount. I 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 occasions. However, the agents you spoke to did not appear to understand that the estimated second (2nd) insurance payment was contributing to the escrow shortage. I am very sorry for the distress and inconvenience this caused you. Please be assured that I have forwarded this information to the relevant Bank management. We appreciate your feedback as it assists us in identifying problems and to continuously improve the level of service we provide to our customers. However, I cannot inform you of specific internal corrective actions that may be taken to resolve this matter. Please be advised that representatives in our Customer Service Department are not required to provide their last names to customers. However, they do have an employee identification number they can provide instead. Additionally, our Escrow Department does not have customer service employees available to speak to customers. Customers can speak to an employee in the mortgage area of our Customer Service Department, who can communicate requests to the Escrow Department. Please feel free to contact me directly if you experience escrow issues in the future. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H. Office of the President Pc: [redacted], Revdex.com Enclosures: Previous Response
[redacted] Date: August 24, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding...
level of service you received when submitting a dispute for the Automated Teller Machine (ATM) deposit that did not post to your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience you experienced when attempting to resolve your ATM dispute. Please be assured that I have contacted the relevant parties to pass on your concerns regarding the Disputes Department and express your dissatisfaction with the service you received from the representative involved. We strive to provide professional and accurate information to all of our customers, and we regret if the service you received did not meet the same high standard. I also want to let you know that the manager of the Disputes Department addressed this matter with the employee involved. However, I cannot inform you of specific internal correction actions that may have been taken with the employee. When disputing PIN (Personal Identification Number) based transactions or ATM deposits on your Enhanced Jeanie debit card, we strive to resolve the dispute in as timely a manner as possible. Please be aware that if our research supports your dispute, any provisional credit issued will become final and remain in your account. However, if our research does not support your dispute the provisional credits will be debited from your account. After we have completed our investigation, a final resolution letter will be sent to you detailing our findings. On May 29, 2015, we received your dispute for the missing check deposit of $600.00 that was retained by the ATM and not posted to your checking account. On that day, a provisional credit in the amount of $600.00 posted to your checking account. While conducting our research, we were not able to locate the missing check in question. Typically, camera footage for an ATM is utilized and reviewed when a fraud claim is involved with the dispute. Since your ATM dispute was not a fraud situation, the ATM camera footage was not examined. Unfortunately, your dispute was denied on July 9, 2015. At that time, a notification was sent to the address on file to inform you that the provisional credit of $600.00 would be removed from your account that day. While we are truly sorry for the inconvenience you experienced, we are not willing to compensate you for this matter. [redacted], please be assured that it was not our intention to cause you any hardship or frustration. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at [redacted] Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S. Office of the President Pc: Revdex.com
Hi [redacted]: Unfortunately, the Bank has exhausted our research efforts on this matter and I have informed the customer of the same. While we have not satisfied the customer, the matter is considered closed. Let me know if you need anything further.Thank you,Alison S.Customer Care Team SpecialistFifth Third Bank | Office of the PresidentPhone: ###-###-####
[redacted] [redacted] [redacted] Date: March 2, 2017 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: I appreciated the recent opportunity to speak with you regarding the complaint you filed with the...
Revdex.com. On behalf of the Bank, please accept our sincere condolences for your loss. Additionally, we strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. Fifth Third strives to meet your financial needs while balancing a commitment to responsible banking practices. In support of this commitment, we reserve the right to review your account activity. Your Express Banking account was recently reviewed and it was determined that recent deposit activity exceeded the Bank’s risk tolerance. Therefore, a hold was placed on the account to prevent further debit activity and a notice was sent to you informing you that the Bank had decided to close the account. As we discussed, in order to withdraw funds from the account, you would need to visit a Financial Center. Your tax refund posted to the account on February 23, 2017. On February 24, 2017, you went to a Financial Center and withdrew the balance in the account and the account was closed at a zero (0) balance. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com
[redacted] Date: August 16, 2017 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com regarding your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincerest apologies for the frustration and inconvenience this issue has caused you. I confirmed that you paid the amount listed on the past due notices you have received since November 25, 2016. We waived eight (8) late fees from the account, totaling $80.00. The fees waived are for the payments made from November 2016 through July 2017 that were greater than $397.79. As a result of the fee waivers, the account is now paid up to date and the loan is current. The next payment of $397.79 is due by August 21, 2017. Enclosed is an updated payment history for the account. We have notified the relevant Bank personnel regarding the incorrect payment information listed on the delinquency notices you received. I would like to thank you for bringing this matter to our attention, as it assists us to identify problems and improve the service we offer to our customers. We appreciate your patience while we researched this matter and we value your business. If I can be of any further assistance, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H. Office of the President Pc: Revdex.com Enclosure: Updated Payment History
[redacted] Date: March 3, 2016 Account: [redacted] Regarding Your Real Life Rewards [redacted] Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com. We appreciate...
the time you have taken to document your thoughts and concerns regarding this matter. Please 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 me. Your feedback is important so that we can better understand how to improve our service to you. We 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 matter. I have shared the information you brought to our attention with the management of the Disputes Resolution Department. Additionally, our senior management regularly reviews customer feedback as part of our ongoing commitment to improving our operations. On August 17, 2015, our Disputes Resolution department opened case ([redacted]) regarding a purchase you made on June 3, 2015, with [redacted] for $750.00. You stated in your dispute that you never received goods or services from the merchant. In a letter sent on September 19, 2015, we informed you of our findings after investigating the credit card transaction that you disputed. We determined that the transaction you disputed was authorized. The merchant was able to provide a copy of the transaction receipt, Attorney agreement for representation, detail letter, notice of appearance, court order, order on motion to withdrawal as counsel of defendant, and detail letter. The letter we sent you indicated that you had ten (10) business days to provide us with an updated letter addressing the merchants’ rebuttal, including any documents you had to support your case. Our records indicate that the requested letter was never received by the Bank and your case was denied as of September 18, 2015. On February 27, 2016, you sent me the letter that you faxed to the disputes department in response to the letter they sent you on September 19, 2015. You indicated in your email to me that you spoke to a disputes department representative on September 30, 2015, who confirmed that your fax was received. You also provided a fax confirmation from September 30, 2015, for the document you faxed to the disputes department. After reviewing the information you provided, we have decided to re-open your dispute case and review the documents you provided. After the review process is complete, the disputes department will send you notification of their final decision. If you would like to contact the disputes department directly, you can call them at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., Saturday, 8:30 a.m. to 5 p.m., ET. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. [redacted], it was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C.Office of the President
[redacted] Date: March 29, 2018 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your mortgage loan....
We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We completed a review of your account ending in [redacted]. Our records indicate that on December 12, 2017, a property tax payment in the amount of $1,016.22 was disbursed from your escrow account and paid to [redacted] County. Please find enclosed the [redacted] County property tax bill, which states that your property tax payment due by January 31, 2018, has been satisfied and that no additional payments are required to satisfy that due date. If you have received an additional tax bill, it may be a supplemental tax bill. Please note that supplemental tax bills are generally mailed only to the property owner(s) and issuing a payment is the responsibility of the homeowner. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Office of the President Pc: Revdex.com Enclosure: Tax Bill
[redacted] Date: December 23, 2016 Account: [redacted] Regarding Your Dispute Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your dispute of a Fifth...
Third Bank credit card opened without your authorization. We appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. Fifth Third Bank takes protecting financial and personal information very seriously. Since you state that you did not authorize the opening of the credit card ending in [redacted], our Disputes Resolution Department opened case number [redacted] on December 20, 2016, to investigate your claim. On December 16, 2016, we closed the card at your request. Please be assured that no purchases were made with the card. We strive to resolve all investigations as quickly as possible. Please allow up to forty-five (45) days for the investigation to be completed. You will receive final written documentation from our Disputes Resolution Department upon completion of their research. If would like to follow up with our Disputes Resolution Department directly, you can reach them at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. Please be sure to reference your case number when speaking with an agent. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com
Good Morning Tina, The Bank is not submitting additional response to this customer’s complaint, complaint ID [redacted]. Our previous responses have not changed and the customer has not presented any new information. Thank you, Shawna H.Customer Care Team Specialist IIFifth Third Bank | Office of the President5050 Kingsley Dr.MD 1MOCOP
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. There are MATERIAL FALSEHOODS IN THE RESPONSE.1) The application completion was done at the branch on 4/15/17. There were 2 problems: the first application, she did something to cause it to fail to be saved. We started again; perhaps that should have been a warning. Once the second application was done, the "system" would NOT allow for printing out of the documents, and I made arrangements to stop by on 4/18/17 to finally pick up the paperwork. I did not review it on 4/18 at the branch or at home, as I was not available to do so. I never should have left the office without reviewing them. I found out on 4/19 around 7 pm that there was a MAJOR problem with the paperwork, that being the loan was not the one I wanted. I called Ms. B. on 4/20 at 10:24 am, as per my cell phone call log-it was a 7 minute call, and explained the problem. I was assured repeatedly that there would be no problem changing to the correct loan, and I asked, repeatedly about my credit being hit, for which I was also told there was no reason to do so again. I made it abundantly clear that I did not think that was the case. I found out later that same day, around 4:40pm when she called me at home to confirm that yes, there was a problem, and it was exactly the same one I told her would happen: my credit would be hit again for an inquiry (5 points). I was livid. I demanded in that phone call, and a subsequent one closer to 5pm, that I wanted direct phone numbers to headquarters so I could file a formal complaint against her. All I got was that I "had to let things go thru the proper channels". Why, so she could falsify information? No, I began to file a complaint with Revdex.com when even the 800 line for Fifth Third refused to help me with anything.2) Ms. B. NEVER called me on 4/18. I came to her office to pick up the paperwork at the agreed upon time after the Saturday printing problems - around 4:30 pm. As noted above, I failed to look at the papers at the office. The only time she called me was AFTER I brought up the problem and she said she would check into it. There is NO call made to my cell number, nor was there a voice mail at my home phone when I got home around 5:30 pm on 4/18. After returning home around 11 pm that night after going out, there was no voice mail on my home phone either.3) I was the one who notified Ms. B. of the problem. She was unaware of the problem until I called her on 4/20, as per above. So if she says she knew of the problem on 4/18, what the [redacted] did she do because she never called me about it, nor when I picked up the paperwork on 4/18, she NEVER said anything then either. So when on 4/18 did she become "aware" of the problem? The "response" says she became aware of the problem on 4/18. Fat chance, since she had ample opportunity to tell me when I was there, and she DID NOT!As for the records deletion, I frankly do not believe the explanation at all.As for the documents Fifth Third has, that is something I do not believe. They have credit histories on me; they ran them on 4/15 while the application, or should I say, applications, were being done. I want them too...all of them. I don't care if there are 'scoring' things of no interest to me or that I cannot decipher, I demand to receive copies nonetheless, as I want to be able to compare detail info "they" got to what I will get when I get my free reports, as per federal and Georgia state law.As for what happens to Ms. B., frankly the excuse I got from Mr. P. on 4/21 at 4:42 pm (after the Revdex.com complaint was received; it was a 24+ minute call that covered the sequence of events) and on 5/3 at 4:36 pm (which was an 11+ minute phone call that also recovered the sequence of events and included a discussion re: the incorrect timing per Ms. B.s version of events), that she was "new", holds no water with me. If she was that "new", she should never had been on her own doing banking business with customers. Period. The fact that they failed to advise that happened to Ms. B., not even that appropriate re-training was occurring, concerns me, since she is apparently free to pull the same crap as she has done with me.If Fifth Third wants to see my call logs to the branch, ###-###-####, and Mr. P.'s phone number, ###-###-####, I will be happy, along with my attorney, to meet with them to show them to them.The response if not only not accepted, it is outright REJECTED!
Regards,
[redacted]
[redacted] Date: August 5, 2016 Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Fifth Third Bank Accounts Dear [redacted]: We received a copy of your...
complaint filed with the Revdex.com (Revdex.com) regarding your checking and credit card accounts. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On April 27, 2015, a $750.00 check that you deposited at an Automated Teller Machine (ATM) posted to your checking account ending [redacted]. The check was returned as unpaid because the paying Bank could not locate a valid account associated with the check. A copy of the returned deposit item is enclosed for your review. Because the check was returned for “unable to locate account,” as well as the account’s prior history of overdrafts, our Bank Protection Department made the decision to close your accounts with the Bank. I am sorry for the distress and inconvenience this caused you. Enclosed is a copy of the Terms and Conditions for your checking account. Page ten (10), section eight (8), of the Terms and Conditions states that the Bank may close the account of any customer at any time. Also enclosed is a copy of the account closure letter. Due to the account activity of depositing a check for which the account could not be located, we reported the activity to the intra-Bank monitoring service Early Warning Services. The information can remain on file with Early Warning Services for up to seven (7) years. Typically, banks will check with Early Warning Services when customers apply to open accounts with them. Different banks may have policies in place to not open accounts for customers who have information reported to Early Warning Services. I am sorry for the difficulties you have experienced while attempting to open new bank accounts. We are unwilling to remove the accurate information that was reported. I certainly understand the frustration and difficulties you experienced due to needing to find a new bank, but being unable to do so. Please be assured that it was not our intention to cause you distress. Our Bank Protection Department is tasked with protecting that Bank’s and our customers’ interests. I confirmed that your account was not closed until May 27, 2015, to allow you time to move your automatic debits and direct deposits to a different account. Typically, if we close a customer’s banking relationship with us, all of their accounts are closed. However, your Access 360 prepaid card was permitted to remain open. I am sorry if you are having trouble with the account. Enclosed is a copy of the terms and conditions for the Access 360 account. If you have questions about the account, please feel free to contact our servicer for the account, [redacted], at ###-###-####. That department is open twenty-four (24) hours a day, seven (7) days a week. You mentioned that you spoke to a banking center manager about the account closure. The manager advised they would look into it for you but did not give you information for approximately a month, at which time they advised there was nothing they could do. Unfortunately, I was unable to determine to which banking center manager you spoke. If you are able to provide the manager’s name, or the name of the banking center they worked at, I would be happy to further research your concerns. I can be reached using our address listed above, my phone number listed below, or via fax at ###-###-####. You also expressed concerns about your Secured [redacted] account ending in [redacted]. Your credit card account was opened on March 5, 2015. Enclosed for your review is a copy of the terms and conditions for the account. The Secured [redacted] requires that funds equaling the credit limit for the card be on hold in a savings account. The credit limit for your Secured [redacted] was $300.00. There was $300.00 on hold to secure the credit card in your savings account ending in [redacted]. Enclosed for your review are all of the statements issued to you for this credit card account. After reviewing the account, we determined that not all payments were received by the due date. Per the enclosed statements, we did not receive payment for the payments due in July 2015, September 2015, October 2015, and December 2015. The payments we received in January 2016, and February 2016 were insufficient to cover the minimum payment due. The payment we received in May 2016 was received after the due date of May 24, 2016. A total of $200.00 in late fees was correctly applied to the account for the late payments. $60.00 in late fees was waived from the account as a courtesy. We are unwilling to waive additional fees from the credit card account at this time. You mentioned that you called the Bank regarding your account. Unfortunately, I was unable to locate record of any customer service agents accessing your account, or any recorded phone calls with the Bank. Enclosed is a copy of the Fifth Third Bank Card Agreement for [redacted] and Visa. Page four (4), section twenty-one (21), states that the Bank may revoke your right to use the credit card at any time, for any reason, without providing notice to you. Section twenty-two (22) states that you are in default of the Card Agreement if you fail to make the minimum payment due by the due date. Page five (5), section twenty-three (23), of the agreement states that if your account is in default that we may terminate your account and cancel all cards. Your credit card was closed by the Bank, which we refer to as being revoked, on November 12, 2015, due to the delinquency on the account. At that time, we had not received your $37.74 payment that was due by September 24, 2015, or the $120.83 payment that was due on October 24, 2015. I am sorry for the distress you experienced because we closed the account and it could no longer can be used. Please be advised that you are still responsible for repaying the balance owed to the Bank even if the account is closed. Page four (4), section eighteen (18), of the Card Agreement states that you promise to pay the Bank in full for all transactions on the account including fees, finance charges and other charges. Your responsibility to repay the debt is not removed if we have to close the account due to non-payment. For this reason, we continue to issue monthly account statements while the account has an outstanding balance owed as required by law. When the Bank closes a credit account, the account is reported as closed by the grantor to the credit reporting agencies. This information may have a negative effect on the credit score. Additionally, we confirmed that your payment that was due on September 24, 2015, was not paid until November 24, 2015. Because the payment was received more than thirty (30) days after the due date, a thirty (30) day delinquency was reported to the credit reporting agencies. I verified that the delinquency and the account closure status reported to the credit reporting agencies is correct. We 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 remove the revoked status or the late payment reported. Please note that Fifth Third Bank does not determine or calculate your credit score. Each credit reporting agency calculates your credit score per their own guidelines based on the information reported. We report the status of the account every month, and the credit reporting agency utilizes that information to determine your credit score. I confirmed the outstanding balance owed on the Secured [redacted] as of May 27, 2016, was $104.64. The Bank utilized $105.64 from the secured funds in the savings account ending in [redacted] to pay the card balance in full, including the $1.00 minimum finance charge that would be due for that statement cycle. After the minimum finance charge was applied on June 27, 2016, the balance owed on the credit card was zero (0). There are no additional funds owed for this account. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna T. Office of the President Pc: Revdex.com Enclosure: Checking Account Statements (3), Overdraft Notices (9), Checking Account Terms and Conditions, Account Closure Letter, Returned Deposit Image, Access 360 Terms and Conditions, [redacted] Terms and Conditions
Customer was advised in our letter submitted yesterday that we would not be further responding. All issues have been addressed to customer. Thank you.
[redacted] [redacted] [redacted] Date: January 26, 2017 Account: [redacted] Regarding Your Auto Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your auto loan. Your...
feedback is very important to us as it allows us to better understand how we can improve our service to you. I also want to thank you for taking the time to speak with me on January 17, 2017. On behalf of the Bank, please accept my sincere apologies for the difficulties you have encountered. It was certainly not our intention to cause you any hardship. We strive to provide the best customer service possible and I am sorry that was not your experience. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On December 2, 2016, we sent a final payment notice for your auto loan ending in [redacted]. The notice indicated that a final payment of $236.43 was due on December 29, 2016. As the notice indicated, since you were enrolled with Auto BillPayer the final payment would be automatically withdrawn from your account on the due date. I have enclosed a copy of that notice for your review. I am sorry if there was any misunderstanding. On December 29, 2016, Auto BillPayer withdrew your final payment of $236.24, which is the amount of the billing that was sent to Auto BillPayer. On December 30, 2016, after your loan was closed, we received your payment of $236.43. When we receive a payment after a loan is closed, the payment is held for ten (10) business days before the funds are returned to the customer. This is to ensure that the funds will not reverse. Unfortunately, there were multiple holidays following your payment, which extended the time in which we would hold the funds. The tenth (10) business day was January 17, 2017, so on that date a check in the amount of $236.24 would have been issued to you since your payoff was $0.19 short. I truly apologize that you were not able to obtain this information when you initially called the Bank. After we spoke on January 17, 2017, we placed a stop payment on the check that was automatically issued to you and issued a check for the full amount of $236.43 which we sent to you via overnight mail that same day. We confirmed that the check was delivered to you on January 18, 2017, at 9:52 a.m., ET. Again, please accept my sincere apologies for the troubles you have experienced, and we appreciate your patience while we researched this matter. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Final Payment Notice
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
Regards,
[redacted]Problem: I first contacted Revdex.com A FEW WEEKS BACK ONLY SPOKE TO THE PRESIDENT OFFICE ONE TIME NOTHING HAS GOTTEN RESOLVED NOONE IS FIXING THIS ISSUE IT IS ON GOING AND BRANDY FROM THE PRESIDENT OFFICE DOESNT DO NOTHING AND THEY ILLEGALLY HAD AN EMPLOYEE EMAIL ME STATING HE WAS FROM UNDER WRITTERS DEPARTMENT WHICH HE WASNT AND FALSELY INFORMATION ON MY TAXES AND FAILING TO ADD MY HUSBAND TO MY APPLICATION FOR ALOT OF T’S AND DOTTED I’S THAT ARE NOT BEING CORRECTED THIS ISSUE IS ON GOING AND NEEDS IMMEDIATE ATTENTION ASAP FOR WORK THAT IS NOT PROPERLY BEING DONE AND I RECEIVED AN EMAIL FROM CHRISTPOHER C[redacted] STATING TO GET FINANCING THROUGH ANOTHER BANK IS THIS LEGAL HOW THEY TREAT PEOPLE!!!!!!NEED RESOLVED ASAP NOTHING IS GETTING DONE SINCE MY LAST COMPLAINT WITH Revdex.com THANK YOU IF THEY ARE FAILING TO LEGALLY DO THE PROPER WORK A FULL REFUND WILL BE APPROPRIATED AND NOT LET THIS ISSUE ACCUR WITH ANY ONE ELSE THEY TAKE ADVANTAGE OF THE PEOPLE VERY RUDE AND NOT HELPFUL NOT EVEN FROM THE PRESIDENT OFFICEDesired Outcome: RESOLVE THIS ISSUE ASAP IT IS REOCCURRING
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]