PROCORPSA

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]

[redacted] Date: June 3, 2015 Account: [redacted] Regarding Your Recent ATM Withdrawals Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your recent attempts to withdraw cash from an 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 or frustration 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 standards. According to your letter, on April 10, 2015, your fiancé attempted to make two (2) cash withdrawals from an ATM located at [redacted] in [redacted], [redacted]. The two withdraws totaled $200.00, the first for $160.00 and the second for $40.00. However, you claim in your letter to have received only $120.00. On April 11, 2015, you contacted Fifth Third Bank and filed disputes for both ATM transactions. Per your request, disputes were submitted for each ATM cash withdrawal transaction. We began an investigation and on April 13, 2015, your checking account was given provisional credit, which totaled $80.00 while we researched your disputes. The provisional credit was available for use in your account while we conducted our investigation. However, our research determined that the balancing records of the related ATM terminal did not support the conclusion that funds were not dispensed. The ATM terminal in question balanced between April 10, 2015 and May 10, 2015. Due to this reason, the Bank denied your disputes and reversed the provisional credit of $80.00 from your checking account on May 19, 2015. It was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. 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 at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely,   Patrick S. Office of the President PC: Revdex.com

Message from intended receiver of fundsDear [redacted], Grateful if you could help to follow up the wire transfer. Maybe there is some wrong with the transfer as my finance department confirms that the TT transfer has not yet be found in our bank accounts. For your information,  our bank’s...

details are as follows:- You may check with the bank again. Thank you so much for your help ! Account No. : [redacted] Banker : [redacted], [redacted] Banker's Code : Code no. is [redacted] Banker's Address : [redacted], [redacted], [redacted]SWIFT Code : [redacted]  Thank you so much. [redacted] ** [redacted], [redacted] Mobile : [redacted] Tel : [redacted] Fax : [redacted] Email: [redacted]

[redacted] 
[redacted] Date: August 2, 2016 Account: [redacted] Regarding Your Credit Card Account Dear [redacted]: We received a copy of the complaint that you filed with the Revdex.com concerning...

the information reporting on your credit report for your account. We appreciate the time you have taken to document your concerns. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to assist you. We have completed our review of the payment history being reported for your account and determined it is accurate. Specifically, no payments posted to the account for the May, June, or July payments. You brought the account current with your payment of $360.00 on July 26, 2016. The payment address you referred to within your complaint is correct and is the same one listed on the monthly account statement. If you have retained copies of the returned envelopes, we would appreciate the chance to review them further. Please forward that paperwork to the following address: Fifth Third Bank 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 You can also fax this information to my attention directly at ###-###-####. Our Collection Department begins making calls to customers when a payment is not received by the due date. They are a failsafe the Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. Several calls may be placed each day; however, a message is not left with every call. Our records indicate that our attempts to reach you at the telephone numbers on file were unsuccessful. 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 prior unfavorable reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: Equifax ###-###-#### Experian ###-###-#### TransUnion ###-###-#### Innovis ###-###-#### We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience 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: November 8, 2016 Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted]i: We received a copy of the complaint you filed with the Better Business...

Bureau and the Consumer Financial Protection Bureau, concerning the $200.00 promotional offer for your new checking account. We appreciate the time you have taken to express your concerns regarding this matter. Thank you for taking the time to speak with me on November 4, 2016. Your comments expressing less than quality customer service are very concerning. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. We sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to us. Feedback like yours helps us identify problems and improve the level of service we provide to our customers. Please be assured that the relevant parties have been contacted to express your dissatisfaction with the service you received. Fifth Third Bank did offer a $200.00 promotional cash bonus for new accounts opened between April 11, 2016 and July 23, 2106. The promotion required, opening a new Essential Checking account, a direct deposit, and three (3) online bill payments within ninety (90) days after the account opening. Additionally, you needed to visit a local banking center with the coupon code associated with this offer. That code was MAB Code [redacted]. In researching your complaint, we determined your first direct deposit posted to your Essential Checking account on July 15, 2016. You made three (3) online bill payments with the third payment posting to your checking account on August 26, 2016. The transactions were all completed within the first ninety (90) days, and met the requirement of the promotional offer. On July 5, 2016, a deposit was made at the North Westerville Banking Center. You stated in your complaint that you also brought the promotional offer email to the banking center that day. As we discussed, the MAB Code [redacted] was not properly placed on your checking account. This code triggers the promotional cash bonus, without the code, the promotional bonus did not post to your account. On November 4, 2016, we submitted a request to our Retail Operations Department to credit your checking account the $200.00. Thank you for your patience while we researched this matter. It was certainly not our intention to cause you any frustration. You are a valued customer and we hope you will allow us to serve 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, Patrick S.Office of the President PC: Revdex.com Consumer Financial Protection Bureau

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.   
I lost $526 because I was not given the chance to bring my account current to $0.  Furthermore, the date I closed the account should have stood as that date, and NOTHING should have forced it open.  This decision cost me money and I am now out 526.00 because no one couldn't do their job right.  I am going to be closing this account and severing my relationship with Fifth Third.
Regards,
[redacted]

[redacted] Date: November 30, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted] and [redacted]: We received a copy of the complaint you submitted to the Consumer Financial...

Protection Bureau regarding your Fifth Third Bank mortgage loan. 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. It has come to our attention that since you submitted your complaints, you filed Chapter 13 bankruptcy on November 15, 2017. Therefore, after thoroughly researching this matter, we have sent a detailed response directly to your attorney, [redacted]. Thank you for your patience while we conducted our research. If I could be of further assistance to you, or your clients, 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: [redacted], Revdex.com

[redacted] Date: April 4, 2017 Regarding [redacted]’ Auto Loan Dear [redacted]: We received a copy of the complaints you submitted to the Consumer Financial Protection Bureau and Revdex.com on behalf of [redacted]...

regarding her auto 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 and [redacted]. Since you are not a signer on the loan, I am unable to provide you with any details regarding [redacted]’ loan. Security measures such as these are in place to protect our customers and the Bank from possible loss or fraud. Please be assured we responded to your complaint in full and mailed a detailed letter to [redacted] at the mailing address on file. 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: [redacted], Revdex.com

[redacted] Date: April 14, 2017 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 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 any frustration you experienced regarding this matter. I confirmed that your account was opened with a promotion to receive a $100.00 bonus five (5) business days after receiving a direct deposit of at least $100.00. The direct deposit needed to occur within sixty (60) days of the date the account was opened. Your checking account was opened on September 22, 2014. You received your first (1st) direct deposit on October 2, 2014, totaling $837.78, which was within sixty (60) days of the account open date. The $100.00 should have been credited to your account on October 9, 2014, which was five (5) business days after October 2, 2014. Unfortunately, your account was not credited. Due to the transaction activity on the account, the account reached a balance of negative ($179.93) on December 19, 2014. We assessed a $30.00 charged-off account fee on December 26, 2014, and charged off the negative ($209.93) balance owed. We reported the account activity to [redacted] and sold the account to the third (3rd) party collection agency, [redacted]. I reviewed the account and determined that if the $100.00 bonus had credited correctly, the account would not have had a negative balance on December 26, 2014, and would not have been charged off. The account would have had a $15.28 balance on December 26, 2014. Please be assured that we have deleted the information from your [redacted] record regarding the account. We attempted to buy the debt back from [redacted]; however, [redacted] advised you already settled the account for $125.95. Because you already made payment to settle the account, enclosed is a check for $141.23. This amount covers the $125.95 you paid to Diverse as well as the $15.28 balance that would have been in the account on December 26, 2014. Please allow approximately thirty (30) days for [redacted] to delete the information about your account. If you would like to contact [redacted] directly, they can be reached at ###-###-####. Please feel free to use this correspondence as proof that we deleted the [redacted] record. 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: Revdex.com Enclosure: Check, Statements and Notices

We have reviewed the response from the customer, and we will not be submitting an additional response. The customer’s concerns were addressed in the previous two responses. Please let me know if any additional information is needed.Thank you,April Q.Consumer Resolution SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### | Fax: ###-###-####

[redacted]Date: June 23, 2015 Account: [redacted]Regarding Your Checking AccountDear [redacted]:We received a copy of the complaint you submitted to the Revdex.com, regarding the promotional credit for 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 this matter may have caused you. We strive to provide professional and accurate service to our customers and we regret if that has not been your experience.On January 21, 2015, you opened Essential Checking account at the [redacted] Financial Center. The promotional offer effective at that time indicated that a cash bonus of $200.00 would be credited to a new checking account if the following activity occurred within ninety (90) days of the open date:A minimum opening deposit of $50.00Three (3) online payments, using Fifth Third’s Online Bill Pay systemDirect depositWe confirmed you made two (2) online bill payments and several direct deposits posted to your checking account within ninety (90) days of the open date. Unfortunately, your third online bill payment was completed on May 12, 2015, which was twenty-one (21) days after the cut-off date of April 21, 2015. As a result, the account was not eligible to receive the cash bonus since the online bill payments were note completed within the required timeframe.However after further review, we have chosen to provide you with the $200.00 cash bonus. On June 17, 2015, the promotional credit for $200.00 was posted and applied to your checking account.[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,[redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

[redacted] Date: December 14, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com. 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 or frustration this matter may have caused you. At Fifth Third Bank, we are committed to doing what is right for our customers and although we strive for excellence, mistakes sometimes happen. An internal processing error caused the payment for your insurance premium to be delayed. We have already taken the necessary actions to correct this occurrence and prevent it from happening in the future. The premium for your homeowner’s insurance policy was sent on November 23, 2016. Because Auto Owners did not process the check, we cancelled it and sent a replacement by overnight mail. We contacted your insurance company and confirmed that they received it. Your policy is active and the late fee has been reversed. Please be assured that Fifth Third Bank takes your feedback seriously and I appreciate this opportunity to respond to your concerns. You are a valued customer and we look forward to continuing our relationship with you. If I could be of further assistance to you, please call me at 513-358-0858 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

Per phone call from [redacted]:  The business has resolved my complaint.Thank you,[redacted]
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]

[redacted] Date: January 12, 2016 Account: [redacted] Regarding Your E-Access Checking Account Dear [redacted]: We received a copy of the follow up letter you sent to the Revdex.com regarding your E-Access Checking account. We appreciate the additional 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 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 concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As was explained in my previous response, Fifth Third Bank processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order: 1. Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability Policy. 2. Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are received. 3. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges in the order of the largest amount to the smallest amount. Fifth Third Bank ATMs are provided as a convenience to our customers. Since we cannot ensure that all of our ATMs will be available for use at all times, it is important to ensure that you have sufficient funds in your account to cover transactions you authorized. According to my research, any ATM issues or issues with our Frankfort-West Banking Center have been addressed appropriately and in a timely manner by the Bank. I also want to apologize for any inconvenience you experienced when our Frankfort-West Banking Center was being remodeled. Also according to my research, the previous overdraft fee reversals on your account during the last twelve (12) months were performed as courtesy fee reversals. As was also previously explained to you, it is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. If we receive a request to reverse fees as a customer courtesy, we are only able to reverse a limited amount of fees within a specified period of time. The reason for this policy is that it allows us to treat all customers fairly and equally. Pursuant to your previous fee waiver requests, we have reversed $74.00 in overdraft fees over the past twelve (12) months, as a courtesy to you. According to the Bank’s policy regarding overdraft fee reversal requests, additional courtesy fee reversals are not warranted to this time. If I could be of further assistance to you, please call me at ###-###-####, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P. Office of the President PC: Revdex.com

[redacted] Date: February 13, 2018 Account: [redacted] Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau concerning your Essential Checking account. 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 this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties at 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 customer satisfaction. Since the Bank did not receive a request from you to close your debit card ending in [redacted], the card was not closed. When you contacted the Bank’s Disputes Resolution Department on January 18, 2018, to report the unauthorized charge on your checking account that was initiated using your debit card ending in [redacted], the card was closed at that time. During our telephone conversation on January 31, 2018, I explained that, on January 18, 2018, an individual with some of your personal and confidential information contacted the Bank’s Customer Service Department by phone to reset the PIN on your debit card ending in [redacted]. Since the individual successfully answered the security questions that were asked, the PIN was changed. The individual who called the Bank to change the PIN provided your name, your Social Security Number (SSN), the last four (4) digits of the debit card number, your zip code, and the city and state of the Fifth Third Banking Center where your checking account was originally opened. The individual also correctly provided information regarding your recent name change. Since the individual successfully answered the verification questions that were asked, the individual was able to successfully reset the PIN on your debit card ending in [redacted]. Although your account has been credited for the unauthorized charge to your account, as of the date of this letter, your disputes case number [redacted] is still being researched and has not yet been finalized. When your disputes case is finalized, you will receive a final written response from our Disputes Resolution Department. While we strive to resolve dispute cases as quickly as possible, please allow up to ninety (90) days from the date that the dispute case was opened on January 18, 2018, for the investigation to be completed. If you would like to follow up with the Disputes Department directly, they can be reached toll free at ###-###-####, Monday through Friday: 7:00 a.m. to 8:00 p.m., Saturday 8:30 a.m. to 5:00 p.m., ET. Alternatively, you can contact me directly at the telephone number contained in this letter for any additional information regarding this matter. When the PIN was changed on your debit card, you received an email from the Bank alerting you that the PIN was changed. That email also instructed you to contact the Bank if you did not request the PIN to be changed. After the PIN on the debit card ending in [redacted] was changed, you contacted the Bank’s Customer Service Department on January 18, 2018. At the time that you contacted the Bank, the disputed transaction had not yet posted to the account. During that telephone call, the employee with whom you spoke stated that, since they did not see any evidence in our systems that the PIN had been changed, you could simply disregard the email you received. During my research into this matter, it was determined that the employee should have seen and confirmed the PIN change. Please be assured that corrective action has been taken since the employee should have seen the PIN change. Although I can assure you that corrective action has been taken, I am unable to provide you with any specific details regarding the corrective actions that were taken. 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, Adam P.Office of the President

[redacted] Date: June 20, 2017 Regarding Your Dispute Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your disputed Automated Teller Machine...

(ATM) withdrawal at a Fifth Third Bank ATM. 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. I am very sorry if you did not receive the requested funds when you completed a cash withdrawal at a Fifth Third Bank ATM from your non-Fifth Third Bank account. Unfortunately, you have not provided sufficient information for our Dispute Department to locate the dispute you filed with your bank against our ATM. I have attempted to contact you multiple times using both phone numbers you provided to the Revdex.com. However, I was unable to reach you. Please contact me directly using my address listed above or my phone number listed below. We need to know the name of the bank you filed the dispute through so we can locate the dispute in our systems. Once I have this information, our Dispute Department can locate the dispute and provide me with a status, which I can then provide to you. 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: Revdex.com

[redacted] Date: May 10, 2016 Account: [redacted] Regarding Your Credit Card Dear [redacted]: We received a copy of the rebuttal complaint you filed with the Revdex.com, regarding the dispute claim submitted for your credit card account. We appreciate the additional 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 our dispute process may be causing you. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. I have confirmed with our Dispute Department that your dispute claim number [redacted] has not been denied. On May 3, 2016, provisional credits for the disputed transactions were posted to your credit card ending in [redacted]. Therefore, your dispute claim is still open and we are actively investigating the unauthorized purchases. As stated in our previous response, please allow up to sixty (60) days for the investigation to be completed. If our research supports your dispute, the provisional credits will remain on your credit card and the related finance charges will be credited back to your account. However, if our research does not support your dispute or if we receive proof that the transactions are legitimate, the provisional credits will be removed and the applicable finance charges will be assessed to your credit card. After we have completed our investigation, a final resolution letter will be sent to the address on file detailing our decision. In order to follow up regarding the status of your dispute, please contact our Dispute Department at ###-###-####. Representatives are available assist you Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. [redacted] it is certainly not our intention to cause you any difficulty or frustration. You and your family are valued customers and we appreciate your business. As a result, we hope that all of you will continue to maintain your relationship with Fifth Third Bank. 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, Danielle S.Office of the President Pc: Revdex.com

[redacted], Apt. 10 [redacted] Date: September 15, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received your additional complaint filed with the Revdex.com regarding your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We have reviewed your additional concerns regarding the stop payment placed on the transaction to [redacted] for $295.72. After reviewing the recorded call from the time the stop payment was placed, we determined that the employee who assisted you did communicate that a stop payment on an automated clearing house (ACH) transaction could not be guaranteed. In addition, the employee you spoke with advised you that you could also work out alternate payment arrangements with [redacted]. Your additional correspondence mentioned that you did not receive a copy of the Rules and Regulations Applicable to all Fifth Third Consumer and Business Banking Accounts and Cards. After reviewing your checking account, we noted that your account was opened through our Internet website 53.com. When opening an account online through our Internet website, a welcome packet is sent to the address listed on file for the account within five (5) to ten (10) business days. This welcome packet includes all of the pertinent account documentation, including the Rules and Regulations Applicable to all Fifth Third Consumer and Business Banking Accounts and Cards. As we have confirmed that the appropriate information and documentation was provided to you, and we have already waived an additional overdraft fee of $37.00 in the interest of customer service, we have determined that nothing further is due to be refunded to you. We apologize for any difficulty or concern this may have caused you. We strive to provide professional and accurate service to our customers, and again I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at 616-653-9156, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W.Office of the President Pc: Revdex.com

[redacted] Date: February 5, 2016 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com (Revdex.com) regarding your...

mortgage 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 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 concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Your mortgage loan closed on November 29, 2012. In December 2012, there was a Board of Review meeting held in [redacted] County, and two parcels [redacted] and [redacted] were combined to create the new parcel [redacted]. You were notified, by the County, that the taxes will not be collected on the old parcel [redacted] and taxes would be collected on the new parcel on September 14, 2013. A corrected tax bill was sent to you, which you did not forward to the Bank. Since the Bank was not notified of this change, taxes were reported as exempt and no disbursements were made. On June 20, 2014, you contacted the Bank regarding your delinquent taxes. The Bank contacted the [redacted] County tax office for payoff amounts. The first installment of taxes for parcel [redacted] was due on September 14, 2013 in the amount of $6,855.00. This amount included $855.00 in penalty for the delinquent taxes. Because the Bank was not notified by you of the parcel change, this penalty was charged to your escrow account. The Bank is unwilling to refund this amount. At that time, the Bank also satisfied your 2014 taxes with a payment of $3,451.84. This payment resulted in a total disbursement of $10,306.84. On July 31, 2014, a review of the escrow payments discovered an overpayment of $58.29. This amount was refunded to your escrow account by the County on September 5, 2014. After this deposit, your escrow account balance was negative -$10,599.67. It should be noted, your County requires that Homestead Exemptions are filed annually before March. Since this was not done prior to the deadline in 2015, the tax office billed your property tax amount of $6,346.94 due by September 14, 2015. This amount was disbursed on time from your escrow account. Because you filed for the Homestead Exemption after the deadline, the Bank was not informed of the reduced tax payment. On January 11, 2016, the Bank received a refund from the [redacted] for $3,136.79. Upon receiving the escrow refund, the Bank has analyzed your mortgage payment for February 1, 2016. I have enclosed a copy of the corrected escrow analysis dated January 19, 2016. The new analysis shows an escrow shortage of $5,927.24. The analysis provides you with two options to pay your escrow shortage. Option one (1) allows you to pay the shortage over the next twelve (12) months. Your new mortgage payment will be $2,368.09, with $1,576.47 being applied to principal and interest, $622.28 being applied to your escrow account, and $169.34 being applied to your escrow shortage. Please note, in order to qualify for the 2016 Homestead Exemption, you will need to file prior to March 2016. You are a valued customer and I appreciate this opportunity to address your concerns. 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, Patrick S. Office of the President PC: Revdex.com Enclosures: Escrow Analysis

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.   This message is in regard to my rebuttal to the Business involved response letter to my concerns submitted on 3/11/2016 against Fifth Third Bank.My complaint did not receive the adequate and fair business's response to my concerns, and their contents of the message is Not  correct and bot accurate--The company did not address the issuesThat my account was closed on Feb. 25 th by my signature and withdrawing all the money after checking that all pending issues were closed. Infact,  They are making  it worse! They Added more charges and penalties to a closed account to make more money and take advantage more of the simple situation--why?The facts are That I closed my Account on Feb 25Th to Zero Balance after taking all my assists in a cashier check. Moreover,  they were not supposed to take any more monies or pay debit payment since I signed  a form and told the lady in charge to not to! However, it seems that  this company is having financial trip led closing branches and releasing employees and moreover taking advantage of its client who trusted them with their assists... We customers have the inability to fight them due to gist and time and they know it -- so they charge us unfair charges.The breach of the Business agreements by not meeting better Business laws to serve their consumers here in the US.Please take the necessary measures to castigate such a behavior-- an unfair fraud and devious behavior by these Banks for future generations sake .Last I want to remind them that What goes around comes  around and that righteousness is High!Thank You[redacted]