PROCORPSA

[redacted] Date: October 24, 2017 Account: [redacted] Regarding Your Credit Card Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to...

hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. Please note that Fifth Third does not change account ownership based upon a divorce decree, because the divorce proceedings are a civil matter arising after the origination of the account. In response to your concerns, our office contacted the primary account holder, [redacted], and received his permission to remove you as the Authorized User on this account. In addition, an update has been submitted to the four (4) credit reporting agencies to remove this credit card account from your account history. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. If you apply for credit in the next ninety (90) days, be sure to use this letter as proof that Fifth Third has submitted a correction request. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter 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

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 WILL NOT be satisfied until I have received a full refund of $67.00. I did not authorize those payments to come out of my account. Secondly, I was charged an overdraft fee back in March when there was about $200 dollars in my checking account, I made a purchase around $67 at [redacted] and on the exact same day I deposited my payroll check for over $700.00. So, $200 - $67.00 = $133 + $700(deposit) = $833. I don't see why I would have been charged an overdraft fee but I was. Once again, today, June 8 I was just hit with another $37.00 overdraft fee when I did not authorize [redacted] to attempt to take money from my account. I have already paid the monthly payment but Fifth Third Bank keeps allowing for companies to try to pay other companies when there is not enough funds to cover.Fifth Third Bank is by far the worst bank I have ever tried to do business with.
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.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: May 10, 2016 Account: [redacted] Regarding the Final Payment for Your Installment Loan Dear [redacted]: We received copies of the complaints you submitted to the [redacted],...

the [redacted], and the Revdex.com regarding the final payment for 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 this matter may have caused you. On March 23, 2001, you agreed to a one hundred eighty (180) month installment loan of $65,050.00 with an interest rate of eight percent (8.00%). Your installment loan is a simple interest loan. This means that interest accrues daily on unpaid principal. When we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last payment. Then we apply the remaining funds to the unpaid principal balance. Your payment habits affect the amount of interest you pay over the life of your loan. If payments are received late during the life of the loan, you pay more in interest over the life of the loan. Because less of your payments are applied to the principal balance, there may be a larger final payment because of fees paid and additional interest charged. I have enclosed a copy of your loan Note for your review. Please refer to the section titled “PAYMENT” for information regarding interest accrual. Please note that the $46,923.97 in finance charges that your Note states you will pay over the life of the loan is based on the assumption that all payments will be paid in the correct monthly payment amount by the due date each month. Your installment loan is considered past due for payment if we do not receive your total monthly payment by the due date indicated on your contract. The final calendar day of your ten (10) day grace period for the loan is not considered the due date for your payment obligations. The grace period indicates when a late charge will actually be assessed to your account for a past due payment. During the life of the loan, many of your payments posted past the due date and even past the ten (10) day grace period. Each time one (1) of your payments was received after the ten (10) day grace period, a late charge was assessed to the account. Additionally, the collateral was repossessed in September 2009 when the loan was three (3) payments past due. This resulted in a repossession fee of $1,298.00 being assessed to your installment loan, along with an increased interest expense due to the account having a higher principal balance than it should have if the payments were made on time. I have enclosed a copy of your payment history for your review. On February 26, 2016, we sent a final payment notice informing you that a final payment of $6,001.05 was due on March 23, 2016, which was the maturity date for your loan. Your monthly payments up until this point were $621.80. However, due to the many late payments throughout the life of your loan that increased the interest cost associated with the account, you still owed a significant principal balance. When we did not receive your final payment by the end of your grace period, we assessed a late charge of $215.16, which represented 4.00% of the amount due as of March 23, 2016, which was $5,379.12. Please note that the balance was lower due to the payment of $621.80 that we received and posted on March 22, 2016. As of May 10, 2016, your installment loan is due for the full payoff amount of $5,650.71. Interest accrues daily by $1.18. The outstanding balance owed is broken down as follows: ? $5,377.95 outstanding principal balance owed ? $215.16 late charges due ? $57.60 Interest accrued as of May 10, 2016 In order to make arrangements for payment, please contact our Collection Department at ###-###-####. That department is available to assist you Monday through Friday from 8 a.m. to 9 p.m., ET, and Saturday through Sunday from 8 a.m. to 5 p.m., ET. If you are having difficulty making this payment, you may want to contact our Loss Mitigation Department to see if there are any options for which you may qualify. They can be reached at ###-###-####, option four (4), Monday through Friday from 8 a.m. to 5 p.m., ET, and on Saturday from 8 a.m. to 12 p.m., ET. Failure to make suitable payment arrangements may result in negative reporting to the credit reporting agencies, repossession, and referral to a collection agency or attorney. We also conducted a thorough review of the information reported to the credit reporting agencies for your installment loan. We determined that not all of the information reported to the credit reporting agencies was accurate. Therefore, we submitted an update to all four (4) credit reporting agencies to report your installment loan as thirty (30) days past due for April 2016, redeemed repossession, thirty (30) days past due for July 2009, and sixty (60) days past due for August 2009. Please allow up to thirty (30) days for the credit reporting agencies to update their reporting. If you would like to contact the credit reporting agencies directly, their contact information is listed below: ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### Thank you for 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, Shawna T.Office of the President Pc: [redacted], Revdex.com Enclosures (2): Installment Loan Note, Payment History

[redacted] Date: July 3, 2015 Account: [redacted] Regarding Your Mortgage Loan Escrow Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your mortgage loan escrow account. 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. 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. On November 18, 2013, you requested a payoff quote for the mortgage loan ending in 8118, and this information was provided to you via fax. When a mortgage payoff is requested, a special block is placed on the mortgage account that prevents payments being made from the escrow account. When this block was placed on your account, it was not given an expiration date. Because there was no expiration date on the block, it remained on the account and prevented the payments from the escrow account. Please note the block was manually removed from the account on May 11, 2015. We regret the frustration and inconvenience this has caused you. On May 12, 2015, the Bank refunded $170.20 into the escrow account to reimburse you for the principal and interest that was assessed as a result of the payment not being made in a timely manner. Also, per your request, we reanalyzed the escrow account on July 2, 2015. There was an escrow surplus in the amount of $1,209.79; these funds were returned to you via check on July 2, 2015, at the address listed above. Please note, your new monthly payment in the amount of $660.46 is effective as of September 1, 2015. I have enclosed a copy of the corrected Annual Escrow Account Disclosure Statement for your records and review. I hope this letter resolves your need and meets your satisfaction. Thank you for 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. April Q. Office of the President Pc: Revdex.com Enclosure: Annual Escrow Account Disclosure Statement

In my last response to the customer, it was explained that, on May 4, 2016, we submitted an update to all four (4) credit reporting agencies to correctly report the account as being included in the Chapter 7 Bankruptcy, discharged on October 29, 2013, with a zero balance owed.  It was also communicated that the update submitted to the credit reporting agencies on May 4, 2016, would take approximately thirty (30) days for the credit reporting agencies to update their reporting.We have a scheduled follow up date of June 17, 2016, to ensure that the update submitted on May 4, 2016, is reflected on the customer’s credit report. If the account is reporting correctly at that time, the customer will not receive an additional response from us. If the reporting is still incorrect at that time, we will send another response to the customer informing him that the account is still not reporting correctly, and that another update has been submitted to the credit reporting agencies.Thanks,Adam P.Consumer Resolution SpecialistFifth Third Bank | Office of the President

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 matter is not closed ,I need my compensation.  I sent in my documentation which shows I am entitled to my $350 , I am still waiting for it.
Regards,
[redacted]

[redacted] Date: June 29, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the rebuttal you submitted to the Revdex.com regarding your checking account. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. I am sorry that you feel our previous response did not sufficiently address your complaint. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. However, we stand by the response we conveyed to you in our previous letter dated June 21, 2017. I have enclosed a copy of that letter for your convenience. Our position on this matter has not changed. Since the [redacted] insurance payment posted to your account on May 3, 2017, it would not have been possible for you to have made the payment on May 4, 2017. If you have evidence to support you claim, please send documentation to the following address: Fifth Third Bank Office of the President Attn Elizabeth D. 5050 Kingsley Drive MD 1MOCOP Cincinnati OH 45263 You may also fax the documentation to my attention at ###-###-####. If you are able to provide additional documentation, I will be happy to further research the matter for you. Additionally, you indicated that you attached a letter to your rebuttal dated March 18, 2017, stating that you have until 9 p.m. to correct an overdraft; however, this letter was not attached to your rebuttal on the Revdex.com’s website. You may also mail or fax this letter to me for further research. 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 Enclosure: Prior Response Letter

[redacted] Date: September 19, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your installment 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 you experienced regarding this matter. The final payment for your installment loan was received on July 12, 2016. The loan was paid in full and closed that day. On July 20, 2016, we mailed the original title to you using your address on file, which is your address listed above. The title was sent to you via the United States Postal Service (USPS). I confirmed that you contacted the Bank on August 17, 2016, because you had not received the title. You confirmed during that phone call that the address on file was correct. The agent you spoke to advised that the title was sent to you on July 20, 2016. Because you had not received the title, the agent advised she would submit a request to send you a new title and lien release. She then provided you with a confirmation number to confirm the request was submitted, and stated that you could use that confirmation number to call back and check on the request. Please be advised that the Bank held only one (1) copy of your title. Because we already sent you the only title we had, we are unable to send you another. I apologize that the agent advised you a new title would be sent to you. After we send the title to a customer, the only action we can take is to send a lien release that can be used to obtain a new title from the state. We completed the request on August 22, 2016, and sent the lien release to you using your address listed above. You contacted the Bank again on August 24, 2016, because you had not received anything from the August 17, 2016, request. The agent you spoke to advised that we sent the document to you on August 22, 2016, and it could take five (5) to seven (7) business days to receive. You called back on September 6, 2016, because you still had not received the requested documentation, and you spoke to a supervisor named Vernetta. Vernetta confirmed that the August 2016 request was completed on August 22, 2016, but we could not speak to the mail time or why it may not have been received. [redacted], I am very sorry that you did not receive the title we sent to you in July 2016 or the lien release we sent to you in August 2016. I understand that you have wanted to sell the vehicle and obtain a new car but you cannot because you do not have the title. As previously explained, because we already sent the title to you on July 20, 2016, we cannot send another one (1) because that was the only title we had. Enclosed is a new lien release letter we created on September 13, 2016. You can use the enclosed letter to request a duplicate [redacted] title from your local Department of Motor Vehicles (DMV). Per [redacted]’s DMV website, you can obtain a title from the County Clerk. I confirmed via the website that there is an $11.00 fee to request a duplicate title, and there may be additional county fees applicable. Enclosed is an $11.00 cashier’s check to cover the cost of the duplicate title fee. If there are additional costs from the county to obtain the title, please provide proof of the fees paid and we will submit additional reimbursement to you. The documentation can be mailed to our address above. It can also be faxed to my attention at ###-###-####. To ensure that you receive this correspondence, we have sent it to you via the [redacted] ([redacted]) using overnight mail. By sending this communication overnight, it will be tracked and we can confirm when it is delivered. I noticed that the address listed on your complaint with the Revdex.com was listed as “[redacted].” However, the address that you have verified over the telephone with our Customer Service Department is “[redacted].” For this reason, we have sent this communication to the “[redacted]” address. I attempted to contact you on September 15, 2016, using the phone number you provided to the Revdex.com. However, that phone number is no longer in service. I also attempted to contact you at the ###-###-#### phone number that we have on file, but I was unable to reach you. I left a message with my direct phone number for you to call back. I am sorry that I was unable to reach 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 T.Office of the President Pc: Revdex.com Enclosure: Lien Release

[redacted] Date: June 16, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the follow up letter you sent to the Revdex.com regarding your Essential Checking account. We appreciate the additional time you have taken to document your thoughts and concerns. As stated in my previous response to you on June 13, 2016, in your complaint you expressed concern over the visibility of transactions affecting your balance during the day. Debit card and Automated Teller Machine (ATM) transactions will show as pending against your available balance during the day because they are pre-authorized time-stamped debits. Checks and electronic payments (ACH payments) are batched payments and are collected from payees at the end of the business day for overnight processing. Because these items are processed overnight, they will not show as pending during the day. All transactions will post to your account during overnight processing in the following order and will be visible the next business day: ** Credits and deposits made prior to end of day cutoff ** Debit card and ATM transactions in the order they were authorized ** Checks and electronic payments in the order of highest to lowest amount ** Fees and service charges At the time that you authorized the [redacted] transaction for $19.00 on June 2, 2016, the balance in your account was $2.38. As was also stated in my previous response, when you checked your balance at the ATM on June 3, 2016, at 1:41 AM the [redacted] transaction for $19.00 you authorized on June 2, 2016, was being processed and would not have shown as pending. This payment was processed overnight and posted to your account for the June 2, 2016, business day. I apologize for any inconvenience this mater may have caused you, but the customer is in the best position to account for all transactions in their account to prevent an overdraft occurrence. As was also stated in my previous response to you, it is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. 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. As such, additional courtesy overdraft fee reversals are not warranted at this time. [redacted], please accept our 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, Adam P.Office of the President

[redacted] Date: November 15, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com 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 or frustration 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 customer satisfaction. On October 27, 2017, the beginning balance in your checking account was $3.73. On October 27, 2017, we received your mobile check deposit of $200.00. Per the Bank’s Funds Availability policy, $100.00 of your total check deposits made in any manner, including Mobile Deposit using standard availability service, will be made immediately available on the day the deposit is received. Therefore, $100.00 from your $200.00 mobile check deposit was made available on October 27, 2017, with the remaining $100.00 made available on the following business day, which was October 30, 2017. For more information regarding the Bank’s Funds Availability policy, a copy of our current Deposit Account Rules and Regulations is enclosed. Please refer specifically to pages nine (9) to twelve (12) for more information regarding the Bank’s Funds Availability policy. Also on October 27, 2017, four (4) debit items posted to your account totaling $115.14. Due to insufficient funds in your checking account to pay all of the debit items that posted to the account, one (1) overdraft fee of $37.00 was assessed and posted to the account the following business day. A copy of the overdraft notice dated October 30, 2017, is enclosed for your review and convenience. Although it is the Bank’s policy not to reverse any overdraft fees except in the case of a bank error, in the interest of customer service, the $37.00 overdraft fee that was assessed on October 30, 2017, was reversed and credited back to your account on November 13, 2017. I want to take this opportunity to ensure that you are aware that the Bank offers alert services that provide you with information about your Fifth Third Bank Accounts, which can assist you with preventing overdraft occurrences. You may sign up for a variety of alerts, including a text or email alert to notify you when your balance falls below a threshold that is comfortable for you. This real-time alert will notify you any time your debit card and Automated Teller Machine (ATM) transactions result in a balance lower than your designated alert threshold. Since this alert notifies you when the balance reaches a specific amount you determine, this will allow you time to deposit additional funds before the account becomes overdrawn. For example, you could set up an alert to notify you when the balance reaches $20.00. You could then review the account activity to determine if all of your authorized transactions have posted, and if not, determine how much additional funds you will need to deposit to cover any outstanding items. For a list of the account alerts offered by the Bank, please visit the alerts section within online banking or our mobile app. You can also learn more about account alerts offered by the Bank by visiting a Fifth Third Banking Center or by contacting our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday, 8:30a.m, to 5 p.m., ET. Per the Bank’s Deposit Account Rules and Regulations, there is a $5.00 fee assessed for a copy of an account statement. Please refer specifically to pages twenty five (25) and twenty six (26) of the enclosed copy of our current Deposit Account Rules and Regulations for more information regarding the pricing and services applicable to the Bank’s consumer deposit accounts. On October 25, 2017, you contacted the Bank’s Customer Service Department to request copies of your account statements from July 2013 to October 2013. Your request was processed at that time. On October 26, 2017, the relevant $20.00 photocopy research fee posted to your account. Since the employee assisting you at that time stated that there would not be a fee for the statements you requested, on November 13, 2017, I reversed the $20.00 photocopy research fee. [redacted], you are a valued customer of the Bank and I appreciate this opportunity to respond to 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, Adam .Office of the President PC: Revdex.com Enclosures (2): Deposit Account Rules and Regulations Overdraft Notice Dated October 30, 2017

[redacted] Date: December 21, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com concerning your Fifth Third Bank mortgage loan. We appreciate the additional time you have taken to share your thoughts and concerns regarding this matter. On October 23, 2015, we received a payment of $2,057.19 that served as the full payoff of your Fifth Third Bank mortgage loan. I have enclosed a copy of your mortgage loan payment history, for your review. At the time of the loan payoff, your mortgage loan was charged $198.00 for a recording fee. This was not a fee charged by Fifth Third Bank. This fee was charged by the city of [redacted]a to record the loan payoff and the release of the lien on your property. Please find enclosed a copy of the Satisfaction of Mortgage for the property located at [redacted], that discloses the recording fee of $220.00. Please know, even though the fee was $220.00, your loan was only charged $198.00 when the loan was paid off. Our review determined that the city of [redacted]a previously increased their recording fee from $198.00 to $220.00. However, our systems were not updated when the fee was increased so you were charged the lesser amount, and the Bank paid the difference. Please accept our apologies if our Customer Service Professionals were unable to provide specific information regarding this fee when you contacted our Consumer Contact Center. Additional research was required to determine the source of the fee. We appreciate your patience while we conducted the necessary research. Thank you for the additional opportunity to research your concerns. You are a valued customer and we sincerely hope that you will allow us to service your financial needs in the future. If I may 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, Lisa S. Office of the President Pc: Revdex.com Enclosures: Satisfaction of Mortgage, Payment History

[redacted] Date: March 28, 2017 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 loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. I also want to thank you for taking the time to speak to me about your concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. After speaking with you on March 21, 2017, I reached out to Fifth Third Bank’s legal counsel for advisement. Unfortunately, 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 loan. You 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 Statements. Thank you for your patience while we conducted our research. 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 have determined that this does not resolve my complaint.  They made no attempt to give me my money or the check back when I requested it. The bottom line is they held on to my money which is unacceptable & I am in the process of withdrawing all of my money from their bank and closing the account. That is the resolution for me. It was a horrible experience.
 
Regards,
[redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and based on the additional information I received in the mail yesterday, I still have concerns as to whether my account is actually set up for auto pay.  I have attached the 2 letters I received from Fifth Third Bank and both are dated for December 14, 2015.  It may be that they have 2 accounts set up for me now which also is incorrect.  I appreciate the letter from the office of the president and would have accepted that as the resolution prior to receiving the communication in the mail yesterday.  I find it hard to believe a bank this size can continue to harass it's clients over something such as this.  I hope to move my account to a different bank as soon as I can which will be time consuming for me.  I am very unhappy with the lack of professionalism and customer service shown by Fifth Third Bank staff along with the very poor follow up I have seen.
As you can see by the letters attached I am still receiving conflicting information and have doubts about my account being resolved soon.Regards,[redacted]

I never filed a dispute I did go to the bank and tak with a representative who did called the dispute department and was told on speaker phone that if the business didn’t pay by 5 pm that I would have to come back on the next day and bring prooof any kind that I had tried calling,emailing, etc to resolve the dispute but I never went back. The credit I received almost a month later was due to the business holding my money for almost 7 days which was ethical and a breech because the agreement was it would take 3 days no more than 5! The bank never sent me anything I never sent the bank anything. The fraud dept told me when I got the credit it would and could not be taken away due to the fact that they didn’t hold up there contract! Now adding that I didn’t the back waited about 5/6 more weeks before they took out the credit again and again. The bank has taken the credit back 3 times during a 2 week spans ..... I received 2 of the credits back but these credits were as the bank calls it errors but these error caused me late fees and one bill was already late so I had to pay a reconnection fee(now the bill being over due isn’t the banks fault but I had an agreement to pay that bill )while these credits were being taken out and so yes even though they corrected 2 I am still owed for one credit. The bank made banking errors and should be held accountable for there errors just as the hold is accountable for ours. I have been charged overdraft fees for 1.26 so if they made errors which made me pay fees for not being on time why shouldn’t they be held accountable? Even after I originally filed the complaint with Revdex.com and talked with the bank in person and over the phone numerous times they debited my account a week later and I had to call and have that resolved! This has been a nightmare. The bank personal out of the numerous banks only 2 have been courteous and knew that I was telling the truth all the other times it was talking and transferring over and over. If anyone of the bank employess had this happen to them they would make it right I feel like I am in the right... an error one time but three times in less than two weeks someone somewhere fell through the cracks! I just want the bank to fix their error and I will move on to another bank.

[redacted] Date: July 21, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding the escrow analysis you received for your...

mortgage loan 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 June 25, 2015, an annual escrow analysis was conducted on your mortgage loan and sent to the address on file. The analysis indicated a shortage of $152.82 and an increased monthly escrow payment of $273.82 due to an increase in your property tax and homeowner’s insurance obligations. This notice also presented payment options in order to satisfy your escrow shortage obligations. If the shortage was not received by the due date indicated of July 15, 2015, the shortage would be divided into twelve (12) monthly payments increasing your overall mortgage payment from $602.24 to $689.03 effective August 1, 2015. Due to your complaint, we reviewed the property tax and insurance information on file for your escrow account. We confirmed that the second half tax disbursement sent to [redacted] Village is then forwarded to [redacted] for payment of your [redacted] property taxes. Hence, the projected disbursement for [redacted] in July 2016 for $1,003.60 was incorrectly noted on your account. As a result, the [redacted] property tax information was removed from your escrow account. On July 13, 2015, a corrected escrow analysis was completed for your mortgage loan. The updated analysis confirmed a shortage of $0.18 for your escrow account. As a courtesy, the nominal shortage amount has been effectively paid by the Bank on your behalf. As a result, the new monthly escrow payment for your account is $199.80. Therefore, your overall mortgage payment is $602.28, effective August 1, 2015. Copies of the escrow analyses referenced above are enclosed for your review. [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 ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S.Consumer Resolution Specialist Office of the PresidentEnclosure(s): Escrow Analyses 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. 
Regards,
[redacted]

[redacted] Date: October 2, 2017 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your installment...

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 any frustration you experienced regarding this matter. Thank you for taking the time to speak with me about your request for payment assistance after being impacted by Hurricane [redacted]. I am sorry for the difficulties you encountered while attempting to reach our Hardship Assistance Department. We are experiencing a higher number of phone calls than normal from customers needing assistance after the hurricane. If a representative is not available for the call within a specified time frame, the call is transferred to a voicemail system so customers can be called back. I verified that a call attempt was made on September 14, 2017, to your phone number of ###-###-####, which is the phone number that you provided to the Revdex.com. They were unable to reach you but our records reflect that a voicemail was left. I apologize if you called and left additional voicemails that were not returned. Please be assured that I have contacted the relevant Bank management regarding this matter. I contacted our Hardship Assistance Department to have them contact you about your request for a payment deferment. I confirmed that they were able to speak with you on September 28, 2017, and a three (3) month payment deferment was approved. As we discussed, the deferment cannot be put in place until you sign and return the deferment agreement. Per the terms of the deferment, the next payment will be due on January 24, 2018. The agreement was sent to the email address [email protected]. Please print, sign, and return the document as soon as possible. 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

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 have sent a police reports, credit reports, as well as a statement from an official police offers. I fax these documents yesterday to Fifth Third Banks as well as [redacted] Consumer. If the inquiry is not removed I will file a claim with the FTC.
Regards,
[redacted]