PROCORPSA

I can provide document that proves contrary to 53 bank findings... 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]8 Date: June 19, 2017 Account: [redacted] Regarding Your Fifth Third Bank Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We appreciate the time you have taken to...

document your thoughts and concerns. 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. This loan was paid in full and closed at a zero (0) balance on March 1, 2017. As a follow-up to the telephone message I left for you, we determined there was an internal system error that prevented the timely processing of your lien-free title. We corrected the issue and sent the title to you at the above address on June 13, 2017. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. You were 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, 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.  Unfortunately, I did ask Fifth Third Bank to provide me with any documents received from [redacted], which they stated they did not have any as the hotel did not provide them with such. I find it hard to believe that they would be able to provide supporting documentation concerning televisions not working for most or all of their customers for weeks at a time as I was not the only room without a working television in addition to a toilet which did not work at all and was forced to use the lobby of the hotels restroom despite asking management to repair both almost every day of my thirty days at that location. In addition, I do not believe they provided your office with any supporting documentation as it relates to the several hundred dollars in tax money I am supposed to receive back from the hotel on the thirtieth day. Please, accept my apologies as I forgot I had not closed my Access 360 account as was unaware I had a fraud block placed on my card as any dispute which may have been filed was decided in my favor against the merchant by, Fifth Third Bank. Please, provide any supporting documentation to the Revdex.com as it relates to [redacted] and it's 'supporting', documentation as well as a dispute not ruled in my favor against any and all merchants relating to the Access 360, account. I look forward to hearing from you. Thank you.
Regards,
[redacted]

[redacted]
[redacted]
[redacted]   Date:                           June 15, 2015...

                                        ...⇄   Regarding Your Installment Loan Account     Dear [redacted]:     We received a copy of your complaint filed with the Revdex.com, concerning your installment loan payoff. We appreciate the time you have taken to submit your request.   On behalf of the Bank, please accept my sincere apologies for any inconvenience these matters may have caused you. We strive to provide professional and accurate service to our customers in as timely a manner as possible and we sympathize with the difficulties you encountered with your installment loan.   Installment loans are simple interest loans. This means that each day the interest due on the current principal balance is calculated and that amount is added to the interest due for your installment loan.  Funds received from your monthly payment are first applied to the interest that has accrued since your last payment, and the remaining funds are applied toward principal balance on the installment loan.   The coupon books that the Bank provides to customers include one coupon less than the number of payments for the loan; the last coupon in the booklet states to call the Bank to determine the amount of the final payment.  Since the date that your payment posts to the installment loan effects the amount that is applied toward payment of interest and thus the principal balance, the final payment for your installment loan may need to be adjusted to satisfy the loan.  The payoff amount due for your installment loan would be affected by the following:   Payments made later than the due date (even if within the grace period) Extensions or Skip-a-Pays Pre-payment penalties Late Charges  Your installment loan ending in 7690 originated on October 17, 2009, in the amount of $14,065.25 for a term of sixty-six (66) months. The maturity date for your installment loan is June 20, 2015. Per your request, I have enclosed a copy of the installment loan note and payment history.    You chose to complete a delinquency extension with our Collection Department on March 21, 2011. The delinquency extension removes the requirement to send a payment that month by placing it at the end of the loan. However, it does not stop interest from accumulating on the principal balance that would have been paid with that payment.  Because of the increased amount of interest, the principal balance remains slightly higher over the remaining period of the loan.  This will result in a larger amount required for the final payment.   As of June 15, 2015, the payoff for your installment loan is $428.30. The per diem or amount of interest assessed per day is $0.11. The title for your vehicle will be mailed to the address on file in ten (10) business days after the installment loan has been paid in full.    If you believe that you are experiencing a financial hardship due to your installment loan at this time, you may apply for financial assistance. You may contact our Loss Mitigation Department for an available specialist at ###-###-####, option 4, Monday thru Friday from 8:00 AM until 5:00 PM EST (Eastern Standard Time).   Your feedback is important to us, so that we can better understand how we can improve our service to you. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction.   We hope this correspondence will help you understand Fifth Third Bank’s position going forward. We appreciate your patience while we researched your request. If I could be of further assistance to you please call me directly at ###-###-####, or toll free at ###-###-####.    Sincerely,  [redacted] Office of the President  Pc: Revdex.com Enclosures (2): Note and Payment History

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 is no mention of this alleged recording fee anywhere in my previous correspondence with Fifth Third Bank.  If this is, in fact, a legitimate state-mandated fee, it should have been properly disclosed beforehand, noted in the letter confirming payment of the loan, and documented by the government agency in question.  The 5-3 employee I spoke with had no knowledge of this so-called fee and could not explain the discrepancy in the amount of the refund.  It appears that 5-3 simply seized the funds and is trying to justify its actions after the fact.
Regards,
[redacted]

[redacted] Date: June 14, 2017 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the [redacted])...

and 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. On February 2, 2017, you agreed to a sixty (60) month vehicle installment loan in the amount of $17,963.89 with an interest rate of 2.990%. Enclosed for your reference and review is a copy of the signed contract for the loan. Your loan is a simple interest loan, which means interest accrues each day on the unpaid principal balance. Each day that passes with a principal balance will result in additional interest that must be paid to pay the loan in full. When a customer wants to pay a loan in full, it is imperative that the customer contact the Bank and request a payoff quote. The payoff quote will include all funds needed to pay the loan in full and close the account, including interest owed and any fees. Vehicle loan payoff quotes also include the per diem interest amount, which is the amount of interest accruing each day based on the principal balance owed at that time. The customer must add additional funds based on the per diem amount for each day through the date of the receipt of the payoff funds by the Bank. We were able to review your phone call with our Customer Service Department on April 14, 2017. You asked the representative if you could make a payment to the loan using a credit card account, to which the agent advised you could not. You then asked if you paid the exact amount of the loan if the title would be sent to you. The representative advised you that the $17,708.42 was just the outstanding principal balance, and a $17,708.42 payment would not pay off the loan. You did not request a payoff quote during your phone call with customer service, therefore, a payoff quote was not ordered. We received your $10,000.00 principal only payment on April 14, 2017, which reduced the outstanding principal balance from $17,708.42 to $7,708.42. We then received another principal only payment of $7,708.42 on April 17, 2017. This reduced the outstanding principal balance owed to zero (0). However, the payments you submitted were not sufficient to cover the outstanding interest owed that had accrued on the unpaid principal balance since your last monthly payment on March 20, 2017. As a result, the loan could not be paid in full and closed. Because the loan was not paid in full, we did not initiate our lien release for the vehicle. Due to the outstanding balance still owed, a payment was due on April 19, 2017. We did not receive the required payment within the fifteen (15) day grace period; therefore, a $1.91 late fee was assessed. We certainly understand it was your intention to pay the loan in full. We reapplied the $7,708.42 payment as a regular payment effective as of April 14, 2017, when the payment was received. This satisfied the payment that was due for April 19, 2017, with the remainder of the funds going to principal. We waived the $1.91 late fee, as well as a $5.00 coupon book fee that was assessed for an additional coupon book requested on March 20, 2017. The remaining amount owed on the loan after we reapplied the payment was $32.15, which we waived. Please be assured that your loan is now paid in full and closed as of June 9, 2017. We will release our lien and send a lien-free paper title to your address listed above. This process will occur within ten (10) business days of June 9, 2017. 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] Enclosures: Note, Payment History

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 attached in my previous email snapshots of my account. It clearly proves that 53 process their transaction after midnight and still charges fees same day. I will take these pictures and post them on social media so people see how 53 bank operates...
Regards,
[redacted]

[redacted] Date: September 11, 2017 Account: [redacted] Regarding Your Real Life Rewards [redacted] Dear [redacted]: We received a copy of the follow-up complaint you submitted to the Revdex.com regarding your Real Life Rewards [redacted]. Your feedback is very important to us as it allows us to better understand how we can improve the service we provide to our customers. 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 behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. However, we stand by the responses conveyed to you in our previous letters dated July 11, 2017, and September 1, 2017. I have enclosed copies of those letters for your convenience. Our position on this matter has not changed. In addition to Auto BillPayer, you have other options for making a payment on your account. You may make a payment in a branch, online at 53.com, at an Automated Teller Machine (ATM), or by calling customer service at ###-###-####. Customer service is available Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. You may also send your payment by mail to the following address: Fifth Third Bank PO Box 740789 Cincinnati OH 45274-0789 Please also be aware that if we receive an additional complaint or other type of correspondence from you regarding this matter that does not contain new information, you will not receive additional correspondence from the Bank regarding this matter. This is because this matter has already been appropriately addressed in our previous letters to you as indicated above. Thank you for your patience while waiting for a response. 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 Enclosure: Previous Response Letters

[redacted] [redacted] [redacted] Date: January 9, 2017 Account: [redacted] Regarding Your Fifth Third Basic Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding a recent...

hold placed on your checking account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. We have attempted to contact you by telephone to discuss this matter; unfortunately, you have not returned our calls. 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 Bank Protection Department. 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. Fifth Third Bank strives to meet your financial needs while balancing a commitment to responsible banking practices. In support of this commitment, we may review your accounts and how they are used throughout the year. On October 7, 2016, you opened a Basic checking account online via our website, 53.com. I have enclosed a copy of the signature card for your account. Please find enclosed a copy of the statements and overdraft notices associated with your checking account. On November 7, 2016, your ending account balance was negative ($7.53). On November 8, 2016, the Bank provided provisional credit to your checking account for two (2) disputed transactions. The provisional credit resulted in a positive ending balance of $122.42 on November 8, 2016. Your account fluctuated between a positive and negative balance for the next fourteen (14) days. The ending balance on November 22, 2016, was negative ($51.58). On November 23, 2016, a wire transfer posted to your checking account in the amount of $8,230.00. The wire was initiated by the [redacted]. As you mentioned in your complaint you had sold merchandise to their customer and the wire was payment for your merchandise. On November 30, 2016, [redacted] contacted Fifth Third Bank to alert the Bank that the transaction was under review. Our Bank Protection placed a hold on your account while they investigated the wire transfer. However, I have confirmed the Bank Protection Department has closed their investigation and the hold was released on January 4, 2017. [redacted], please be assured that we have fully researched your concerns and we believe that your issues were handled both appropriately and professionally in accordance with our Bank’s policies and procedures. 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 Enclosures: Statements Overdraft Notices

[redacted] Date: December 14, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning the hold placed on your...

deposit. We appreciate the time you have taken to express your concerns regarding this matter. We are very sorry if our attempts to explain the funds availability policy did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. We understand your frustration when this situation occurred and we are sorry for any inconvenience this matter may have caused you. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you, as the consumer, and the Bank from loss or possible fraud. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately. The remaining funds will be made available on the next business day. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday or a Federal Holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal Holidays. Deposits received after certain cut-off times may be credited as of the next business day. In some instances, we reserve the right to place a hold of a longer period of time on a deposit. The full amount of the deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the seventh business day after the day of your deposit. I have enclosed a copy of our Rules and Regulations; page nineteen provides additional information regarding extended holds on deposits. On December 2, 2015, your account balance was $11.39. On that same day, you deposited a non Fifth Third check for $18,700.00 and $400.00 in cash at a local Financial Center. Since the deposit exceeded $5,000.00, $13,700.00 of this deposit was placed on hold and a notification letter indicating this reason for the hold was sent to the address we have on file for you on December 4, 2015. This notice also states that the remaining funds from your deposit will be available on December 14, 2015. We sincerely hope this information will help you understand the Bank’s position going forward and resolve your needs. If I could be of further assistance to you, please call me at [redacted], or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President Enclosures: Rules and Regulations

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.   
Worst customer service, won't pay a dime to them, they give money to fraudulent companies. This bank chain will be out of business soon under Trump. Good luck.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and I find Fifth Third Bank is forcing me to accept their resolution of this matter.  The timeliness of the resolution of this complaint is an unacceptable one for a financial institution. Fifth Third Bank charges consumers/customers daily fees for bank overdrafts, in the amount of $25 for the first overdraft.  Then they charge $8 for every day thereafter.  It took 21 days for Fifth Third Bank to come up with the solution to refund me the $80 their faulty ATM kept during a deposit that took place 21 days ago.  Fifth Third Bank should be reimbursing me a total of $193 although their administration states they cannot refund me the same fee they charge their customers!  I will be blogging about my experience as I have kept a thorough record of this event.  
Regards,
[redacted]

[redacted] Date: April 19, 2018 Account: [redacted] Regarding Your Essential Checking Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com (Revdex.com) concerning...

your recent overdraft and request for a refund of fees. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my apologies for any frustration this matter may have caused you, as well as sincere sympathies for the recent difficulties you have experienced. We have researched the issue surrounding the overdraft fees you have recently accrued, and found that the fees were charged correctly. As we discussed when we spoke, Fifth Third Bank’s processing runs on [redacted] Standard Time ([redacted]). Our review of this matter found that the transfer in question that was made in an attempt to avoid overdraft fees was made on March 31, 2018 at 12:56:01 a.m., [redacted]. As this was a Saturday, this posted to the account on Monday April 2, 2018, which was the next business day. I have confirmed that when transferring funds between accounts via 53.com the following message is listed: Funds advanced after 9 p.m., [redacted] will be immediately available for withdrawal. The transfer will not be available to cover items today and will be included on the following day's account activity. Additionally, below that message is a clickable link titled Cutoff Times and Fees. If this link is accessed the information provided states: Note one (1): Initial transfers between checking and savings accounts initiated prior to 9 p.m., [redacted] on a business day will be processed that day. Initial transfers between other account types must be initiated prior to 7 p.m., [redacted] on a business day to process that day. Initial transfers that occur after those hours or on non-business days will be processed on the next business day but will be reflected immediately in your available balance. Subsequent scheduled transfers that fall on a non-business day will be made on the business day preceding the scheduled date. Note two (2): Transfers from a credit card will be treated as a cash advance. Please review the terms and conditions of your credit card for additional details. We regret the inconvenience this matter may have caused you, but as the customer you are in the best position to know if items you have authorized, either by debit card, check, or electronic ACH payments, have cleared your checking account by utilizing a checkbook register. Although no bank error was found in our research of this matter, we have waived a $37.00 overdraft fee in the interest of customer service. To clarify for future transactions, the Bank processes transactions at the end of each business day in the following order: ** Credits and deposits made prior to the end of day cutoff time ** ATM and debit card transactions in the order they took place ** All other debits, including checks and electronic bill payments, in the order of highest to lowest amount ** Fees and service charges Debit card and ATM transactions are time-stamped debits and are pre-authorized at the time of use, and will show pending until they are posted. Because time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic ACH payments are batch debits that are not pre-authorized by us. These transactions do not include a time-stamp and will not show as pending during the day. Checks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized by you to be paid and collected from Fifth Third Bank. Regarding the fees assessed on your account, Fifth Third Bank checking accounts have options of both Overdraft Protection, and Overdraft Coverage. Overdraft Protection automatically transfers funds from a Fifth Third Bank savings account, credit card, or home equity line to cover items that overdraw your checking account at the end of the business day. With Overdraft Protection, we charge a reduced transfer fee of $12.00 for each transfer versus a higher overdraft fee of $37.00 for each posted item that overdraws your account. Please be aware that Overdraft Protection will cover all types of transactions when the available checking account balance is insufficient. In contrast to Overdraft Protection, some of our deposit accounts also have Overdraft Coverage for ATM and debit card transactions. By opting-in to Overdraft Coverage, your debits and payments may be approved even if you do not have sufficient funds in the account. If an account becomes overdrawn, we assess a $37.00 overdraft fee for each item that posts while the account has a negative balance. If you choose to opt-out of Overdraft Coverage for one-time debit card and ATM transactions, your card will be declined preventing the item from overdrawing your account and the account will not be assessed an overdraft fee. Per Federal Regulations effective June 11, 2010, you had the ability to choose whether to continue having Overdraft Coverage on your account for ATM transactions and one-time debit card transactions via Internet Banking at 53.com, by calling our 24 hour automated telephone line at ###-###-####, or by visiting one of our local Banking Centers. According to our records, your account is currently opted in to Overdraft Coverage. Please be aware, with the decision to accept Overdraft Coverage for ATM and one-time debit card transactions, your card will be accepted even if there are insufficient funds in your account, and therefore will receive overdraft fees for debit card transactions. Overdraft Coverage does not apply to checks and electronic ACH payments. If a check or electronic payment is presented against your account with insufficient funds, the item may be assessed an overdraft fee, or returned and charged a $37 returned item fee. If the checking account is overdrawn, we also send an overdraft notice via standard mail to inform you of the occurrence that includes a detailed breakdown of the day’s transactions. Included with this letter you will also find a copy of our Deposit Account Rules and Regulations. Please review this document for more information about overdrafts and how items may post to your account. If you have any questions, please contact myself, your local branch, or a customer service professional at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., Saturday, 8:30 a.m. to 5 p.m., EST. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. It was certainly not our intention to cause you any difficulties or frustration. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet these expectations. 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. [redacted], thank you for your patience while waiting for a response. We certainly hope you will continue to use Fifth Third Bank for 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., EST. Sincerely, Sarah S.Office of the President Pc: Revdex.com Enclosures: Deposit Account Rules and Regulations

[redacted] Date: July 29, 2016 Regarding Your Recent Mortgage Loan Applications Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com, regarding your recent mortgage...

loan applications. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We received your original complaint filed with the Consumer Financial Protection Bureau on July 12, 2016. In addition, we received your original complaint filed with the Revdex.com on July 15, 2016. We received your follow up complaint with the Revdex.com on July 26, 2016. However, we stand by the response conveyed to you in the previous letter sent on July 19, 2016. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. While it is our desire to extend credit to every individual that applies, it is not always possible for us to do so. When applying for a mortgage loan several factors are reviewed before approval may be given for the mortgage, including any information we receive from the credit reporting agencies, the documentation you have provided, and an appraisal of the property. Should the information we receive not meet our current guidelines for lending, your application may be declined. As mentioned in our response dated July 19, 2016, you met with Diann P., Mortgage Loan Originator, to apply for a mortgage loan. A credit report was ordered as part of the application process, and the information on the credit report indicated a large lien. You discussed the required documents for a Home Affordable Refinance Program (HARP) application, and you told Ms. P. that you would contact her when you had cleared up the negative credit reporting. In March 2016, you contacted Diann Preiss and submitted a new mortgage application on March 31, 2016. As part of your new mortgage loan application a new credit report was ordered and the information on the credit report indicated new disputes. After you contacted Ms. P. to inform her you had corrected the new disputes, a credit report was ordered to confirm the negative reporting had been removed. Unfortunately, new disputes appeared on this credit report. Our research determined you contacted Diann P. a third time to discuss a third application. You had mentioned that you had fixed the credit bureau disputes. In your discussion with Diann Preiss, you stated you would call the companies to ensure the disputes were no longer on your credit report. It was decided that you would contact Diann P. when you had confirmed the disputes were removed from your credit reporting and you were ready to submit a third application. I was unable to find a new application in our mortgage application system. If you would like to apply for a mortgage loan refinance, please contact Diann Preiss or another Fifth Third banking center to submit a new application. Additionally, our Retail Direct Sales Team can assist you with a telephone application. You can contact the Retail Direct Sales Team at ###-###-####, option 6, Monday through Friday, 8 a.m. to 8 p.m.; Saturday, 8 a.m. to 5 **m., ET. An agent will be able to assist with your mortgage loan application. It was certainly 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 call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 **m., ET. Sincerely Patrick S.Office of the President PC: Revdex.com Enclosures: Prior Response

[redacted] Date:    July 15, 2015 Regarding Your Credit Bureau Inquiry Dear [redacted]: Thank you for contacting the Bank concerning the inquiry on your credit report. We appreciate the time you have taken to express your 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. We conducted a thorough review of the credit card application that resulted in a credit inquiry listed on your credit report. Our review determined that the inquiry made on June 17, 2015, should be removed. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused 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 Financial Center you visited. Additionally, our regional management regularly reviews customer feedback as part of our ongoing commitment to improving our operations. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. We have submitted an update to all of the credit bureaus to remove the credit inquiry. Enclosed are copies of the letters sent to the credit bureaus on your behalf. If you would like to contact the credit bureaus directly, contact information can be found below: •
[redacted] ###-###-#### • [redacted] ###-###-#### • [redacted] ###-###-#### • [redacted] ###-###-####   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 call me at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely,Jennifer C. Office of the President Enclosure: Credit Bureau Letters

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: January 22, 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. We strive to provide quality service to all of our customers, and I apologize if we did not meet your expectations. 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 have completed a review of your account ending in [redacted]. Our records indicate that a payoff in the amount of $1,199.06 was received on September 28, 2017, which paid off your loan in full. On October 7, 2017, the Bank cancelled our lien against your vehicle. However, as your vehicle is registered and titled in a state that produces an electronic title, we do not have a title to return to you. I have enclosed a copy of the Notice of Electronic Title Lien Release letter that advises that we have removed our lien and provides directions for obtaining a paper copy of your title if you so choose. Please note that as a legal electronic title is stored electronically within databases maintained by the [redacted] Department of Highway Safety & Motor Vehicles (DHSMV), there may be fees associated with printing a copy of the electronic title. Please contact DHSMV or your local tax collector for additional information regarding these fees. It should be noted that as these fees are not assessed by the Bank, we are unable to waive them for you. Additionally, per your request, I did confirm that [redacted] transitioned to being a full electronic state on January 1, 2013. 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, Jennifer M.Office of the President Pc: Revdex.com Enclosure: Notice of Electronic Title Lien Release

[redacted] Date: July 27, 2016 Account: [redacted] Regarding Your Standard Platinum [redacted] Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

your Standard Platinum [redacted]. 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 researched this matter thoroughly 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. On July 11, 2016, your Standard Platinum [redacted] ending in [redacted] was due for a minimum payment of $35.00. When we did not receive your payment by the due date, our Collection Department began making calls to you to inform you of the past due payment. When you spoke with our Collection Department on July 19, 2016, eight (8) days had passed since your due date. However, as the agent informed you, our collections system showed your account as thirty-five (35) days past due. The number of days of delinquency showing in our collection system is based on the cycle date of your account, which is the date on which your statement period ends and a statement is issued. The cycle date for your account is the fourteenth (14th) of each month. On June 14, 2016, your statement period ended, and a statement was issued reflecting a minimum payment of $35.00 due on July 11, 2016. When your next account cycle ended on July 14, 2016, your next minimum payment due on August 11, 2016, was $70.00, which included the past due payment of $35.00. On July 19, 2016, thirty-five (35) days had passed since the statement billing you for the payment due on July 11, 2016, was issued, which is why our collection system showed your account as thirty-five (35) days past due. I apologize for any misunderstanding that may have occurred when you spoke with our Collection Department on July 19, 2016. Please be assured that although your account showed as thirty-five (35) days past due in our collection system, your account was not reported as past due to the credit reporting agencies. An account is only reported past due to the credit reporting agencies if payment is received more than thirty (30) days after the due date, which in your case was July 11, 2016. On July 19, 2016, we received and posted your payment of $70.00 to bring your account to a current status. Your next statement will be issued at the end of your statement period on August 14, 2016, and your next minimum payment as indicated on your August 2016 statement will be due on September 11, 2016. It was certainly not our intention to cause you any hardship. In the interest of customer service, we waived the $25.00 late charge that was assessed on July 12, 2016. The fee waiver will be reflected on your August 2016 statement. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. 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.  With all due respect, my original complaint has not been answered. Instead, this is a clear attempt to discredit the complaint with details of my account that I have already admittedly discussed and reviewed with Fifth Third Bank personnel. My issue is, that I did not ok overdraft protection and hundreds of dollars were taken out of the account by Fifth Third, which compounded the issue. The overdraft notices were received in bulk a week plus after the incidents. And, as I am on unemployment there was nothing's I could do to re-fund the account other than remove the debit card from affected accounts. Again, I am appealing to Revdex.com due to the overcharging of my account for hundreds of dollars of fees that I would like re-funded. Even a compromise of half the amount would suffice.
Regards,
[redacted]

[redacted] 
[redacted] 
[redacted] Date: April 22, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the 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. Please be advised that the Fair Credit Reporting Act (FCRA) does not require financial institutions to notify consumers that they are being reported as late to the credit reporting agencies. We have completed a thorough review of the payment history being reported to the credit reporting agencies for your installment loan. Our review determined that the information being reported is correct. Your installment loan payment was received more than thirty (30) days late seven (7) times. A copy of your payment history is enclosed for your review. Also enclosed are copies of the late payment notices that we mailed to you for each of the late payments listed on your credit report. The late payments reported are listed below: Due Date Payment Date Delinquency Reported 10/13/2013 11/13/2013 30 Days Late 12/13/2013 1/13/2014 30 Days Late 1/13/2014 2/13/2014 30 Days Late 6/13/2014 7/14/2014 30 Days Late 9/13/2014 10/16/2014 30 Days Late 10/13/2014 11/13/2014 30 Days Late 12/13/2014 1/23/2015 30 Days Late Please be advised that the payment history for the loan is reported each month throughout the life of the loan. The late payments listed on your credit report were not added after the loan was paid in full. We verified that we have not sent any extra updates to the credit reporting agencies outside of the regular monthly account reporting for this account. If you have documentation that shows there were no late payments listed for the account before it was paid in full, please provide copies of this documentation so we can further research your concerns. While we would not be able to remove the accurate late payments from your credit report, we could further research what caused the late payments to not be reported at the time of the delinquencies. The requested documentation can be faxed to my attention at ###-###-#### or mailed to me using my address listed above. 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: Payment History, Note, Late Payment Notices