PROCORPSA

[redacted] Date: September 22, 2016 Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Business Checking Accounts Dear [redacted]: We received a copy of the follow up complaint filed with the Revdex.com (Revdex.com), concerning your Fifth Third business checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We received your original complaint filed with the Revdex.com on May 14, 2015. We received your most recent complaint on September 16, 2016. For your records and convenience I have enclosed our prior responses dated May 27, 2015, June 9, 2015, June 25, 2015, July 2, 2015, October 2, 2015, December 29, 2015, January 15, 2016, and April 13, 2016. Please note unless you are able to provide new information regarding this matter, we will not be respond to future complaints regarding your disputed transactions. Upon receiving your most recent complaint, we contacted the Dispute Resolution Department who confirmed your dispute cases ([redacted] and [redacted]) have been closed. Please find enclosed the two (2) denial letters mailed to you on March 24, 2016 and July 25, 2016. Both notices state you will need to contact the merchant [redacted] Inc. in order to resolve your disputes. Unfortunately, the activity in your business checking accounts exceeded the Bank’s Risk tolerance and your accounts ending in [redacted] and [redacted] were closed on March 2, 2016. Your third (3rd) business checking account ending in [redacted] was closed on March 4, 2016. We appreciate your patience while we researched this matter. 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: Prior Responses, Dispute Denial Letters

[redacted] Date: January 11, 2017 Account: [redacted] Re**rding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the follow up complaints you filed with the Consumer Financial Protection Bureau and the Revdex.com re**rding your installment loan. We appreciate the time you have taken to express your concerns re**rding this matter. The Bank received your original complaint filed with the Revdex.com on November 30, 2016. We have received a number of similar complaints re**rding your installment loan payments. We received your follow up Revdex.com complaint and Consumer Financial Protection Bureau complaint on January 4, 2017. However, we stand by the response conveyed to you in the previous letters sent on December 14, 2016, and December 28, 2016. I have enclosed a copy of our previous responses for your review. Our position on this matter has not changed. Please note your installment loan is a simple interest loan, with interest accruing 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 the loan. If payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of your loan. Because less of your payments were applied to the principal balance, there may be a larger final payment due to additional accrued interest. Please find enclosed a copy of the payment breakdown we provided you with our response dated December 14, 2016. Included in this breakdown is your payment due date (the 12th of each month) and the date you made a complete loan payment. In addition, this breakdown provides you with the number of days your loan payment was past due, and the payment date satisfied by each payment. As you are aware, you made a [redacted] payment in the amount of $1,183.61 on November 28, 2016. Please use the below payment breakdown as verification that this payment satisfied your September, October and November 2016 installment loan payment. Please note the (*) indicates your [redacted] payment. Payment Due Date Date Paid 1 1/12/2016 2/1/2016 2 2/12/2016 2/26/2016 3 3/12/2016 3/29/2016 4 4/12/2016 5/4/2016 5 5/12/2016 6/6/2016 6 6/12/2016 8/2/2016 7 7/12/2016 9/20/2016 8 8/12/2016 10/25/2016 9* 9/12/2016 11/28/2016 10* 10/12/2016 11/28/2016 11* 11/12/2016 11/28/2016 12 12/12/2016 1/4/2017 13 1/12/2017 As indicated on the enclosed payment breakdown, the [redacted] payment posted to your installment loan as $1,049.04 toward principal, $108.80 in late charges, and $25.77 in interest. After receiving your [redacted] payment, your next payment was due on December 12, 2016. On December 5, 2016, the Bank received a partial payment for $154.15. This payment did not satisfy your full payment due December 12, 2016. The Bank did receive your payment of $430.00 on January 4, 2017. This payment combined with your December 5, 2016, payment to satisfy your payment due December 12, 2016. As of January 5, 2017, you currently owe $684.49 to bring your installment loan current. This amount includes your January 12, 2017, payment and the $269.90 in fees still owed on the account. Please note a portion ($15.33) of your January 4, 2017 payment has been applied as a partial payment toward your January 12, 2017 payment of $429.92. Therefore the amount owed is not a full monthly payment ($429.92) plus (+) the remaining fees ($269.90) which total $699.82. However, if you do not make a payment by the end of your grace period, January 27, 2017, you would owe $713.61. This amount would be the full January payment and $283.69 in late fees and repossession fees. During the life of an installment loan, we may offer eligible customers a delinquency extension if short term assistance is needed in re**rds to your monthly payment obli**tions. Please note that interest will still be assessed during the months that an extension is applied to your account. Any monthly payments that are related to an extension will be included with your final payoff amount due at the end of the loan term. Any unpaid interest will be due at the end of the loan term within a final payment notice that will automatically be generated and sent to the address we have on file for you. If you would like to discuss payment options, please contact the Borrower’s Assistance Department at ###-###-####, option 4. An agent is available to assist you, Monday through Friday, 8 a.m. to 5 p.m., ET. Thank you for your patience while we researched this matter for you. You are a valued customer, and we look forward to serving your financial needs in the future. If I could be of further assistance, please contact me toll free at ###-###-####, or directly at 513-358-2985, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Consumer Financial Protection Bureau Revdex.com Enclosures: Previous Response Letters Payment Breakdown

[redacted] [redacted] Attn: [redacted] [redacted] [redacted] [redacted] Date: November 16, 2017 Account: [redacted] Regarding Your Recent Experience Dear [redacted]: We received a copy of the complaint you recently...

filed with the Revdex.com (Revdex.com) regarding your recent experience with Fifth Third Bank and [redacted] We appreciate the time you have taken to express your concerns regarding this matter. Please know, our records do not indicate that you are listed on the [redacted] Merchant Services Account associated with this matter; because of this, a separate acknowledgement of this matter has been sent to [redacted] [redacted]. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. Please be assured we have partnered with [redacted] to review the issues you have brought to our attention surrounding the [redacted] Merchant Processing Agreement that was in place associated with your Regular Business Checking account ending in [redacted]. Regarding your request to be reimbursed for the fax you sent to the Bank on September 29, 2017, we have enclosed a check in the amount of $68.00. I hope this meets with your satisfaction. At Fifth Third Bank we strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations with the interactions you had during our partnership to service your accounts with [redacted] I also want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. [redacted], I appreciate this opportunity to address your concerns and 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, Sarah S[redacted] Office of the President Pc: Revdex.com Enclosure: Reimbursement Check

[redacted],Can you reach out to the customer and get a previous address as well as determine if it’s under a different name?  I’m unable to locate the customer with the info provided.

[redacted] [redacted] [redacted] Date: March 23, 2018 Account: [redacted] Regarding Your [redacted] Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com (Revdex.com) regarding the Balance Transfer...

you recently initiated on your [redacted] account ending in [redacted]. Fifth Third Bank takes your feedback seriously, and we appreciate the time you have taken to communicate your thoughts and concerns with the Bank. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured that we have reviewed the [redacted] Balance Transfer in the amount of $7,275.00 that posted to your [redacted] account ending in [redacted] on January 2, 2018 without the intended promotional offer. Our research has determined that the promotional offer for 0% interest to be charged on a Balance Transfer until your cycle date in May 2019 expired on December 30, 2017. As the Balance Transfer in question did not post within this campaign period, the promotion was not applied. We deeply regret the frustration this caused, but were pleased to confirm that the Balance Transfer was able to be backdated to the date you initiated the transaction in the interest of customer service. As we discussed, in addition to the $12.59 in interest that was waived on February 22, 2018, two additional interest charges were waived in the amounts of $115.61 and $128.97 on March 15, 2018. Also on March 15, 2018, an adjustment was made in the amount of $72.75 to the Balance Transfer Fee you had paid. You will also receive your monthly [redacted] [redacted] account statement that will reflect this information when it is sent after your account’s cycle date. Additionally, your comments expressing less than quality service you received when attempting to correct this matter are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. Please be assured that due to the concerns you shared with the Bank this issue was escalated to Fifth Third Bank’s Office of the President. We are the support staff that handle escalated issues brought to the attention of the Bank’s senior and executive management teams. Our purpose is to make sure your complaints and concerns are consistently reviewed, researched, and brought to resolution. I hope this correspondence has helped you feel more comfortable in knowing your voice is heard within the Bank. [redacted], I appreciate this opportunity to address your concerns and 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, Sarah S.Office of the President Pc: Revdex.com

[redacted] [redacted]Date: September 30, 2015Account:  [redacted]Regarding Your Checking Account Dear [redacted] [redacted]: We received a copy of the complaint you filed with the Revdex.com dated September 21, 2015, concerning the Early Access Feature...

(EAX) on your checking account.  We appreciate the time you have taken to express your thoughts and concerns regarding this matter.Our goal is to provide professional and accurate service to our customers and I am sorry if that has not been your experience.  Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers.  Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns.Our records indicate that you enrolled for the Early Access line of credit via the internet on July 29, 2011.  At that time, we provided and you agreed to a copy of the Early Access Terms, and Conditions, which advise the Early Access account, may be closed if the associated checking account is in a current bankruptcy proceeding.  Unfortunately, when you filed bankruptcy on September 9, 2015, it caused the Bank to close out your Early Access account.  I have enclosed a copy of the Terms and Conditions for your reference.  Page 3 provides additional information regarding customers who are eligible for the Early Access line of credit product.Please be assured that it was not our intention to cause you any undue hardship.  We empathize with the financial difficulties you are experiencing at this time.You have been a valued customer since 1986 and we sincerely hope that you will continue using Fifth Third Bank for your future financial needs.  On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that 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,Carolyn G.Office of the President Pc: Revdex.com

I took the documents ach stop payment documents from the companies that were drafting my account to the [redacted] branch. The branch or "Heather" refused to take the documents.  This was before I had to close my account.  Once I got someone on the phone who said it was a  simple fix  to just change the account number, that's when I closed the account.  Her name was Michele.  She said everything would stay the same, just different account.  No one told me before I closed this account that I could not have my account status as before free E Access.   I have the stop draft documents but I do not know how to upload to the computer and , this say's I have only thirty minutes to send or I could find a way.  This Heather and the gentleman at the branch were very rude to me when I tried to give them these documents.  Of course the bank is going to back their employee's that's what they do.  I used to work for ##### #####, so I know.  I tell you what I will do. I'll just put this out on Social Media like everybody else does and see what the public thinks.  I'll use names too.

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]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. We are not trying to obtain anything other than just refunding all of the fees charged because of the business's  claim that it was a dormant account.  We know that those monies were retained by Fifth Third bank as a source of profit to the bank and we still believe that those monies should be returned to the rightful owner, even though their policies state otherwise. Under the circumstances,  a person of 88 years without internet skills should not be charged this fee for dormant account.  Other banks attempt to call, as well as write letters, to inform a customer that the account is approaching dormancy, which in this case, Fifth Third never did.  We have discussed this with other banks and found out Fifth Third has a reputation for profiting from various fees more than some other banks. Again, returning all of the approximately 1 1/2 years of dormant + monthly service fees totaling almost $300 would satisfy us completely.  We have now closed the account and, in the event that Fifth Third Bank sees fit to make an exception to their policy, and return these fees, we will gladly reopen the account and inform the Revdex.com that Fifth Third Bank responded fairly and  decided to refund these fees with a primary interest on customer satisfaction, even though, their monetary interests are best served by closely adhering to bank policy regarding dormant accounts.
Regards,
[redacted]

[redacted] 989 Deer Crossing Way Lexington KY 40509 Date: January 20, 2017 Account: [redacted] Regarding Your Identity Theft Claim Dear [redacted]: We received...

a copy of the complaint you submitted to the Revdex.com regarding your identity theft claim in relation to several Fifth Third Bank accounts opened in your name. 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. To maintain the security of your personal and account information, I am sending this letter to the address we currently have on record for you. I noticed that the address you use in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your complaint. I encourage you to call customer service to make sure your contact information is properly updated. Customer service can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. Our Disputes Resolution Department and Bank Protection Department have investigated identity theft claims for the credit card accounts ending in [redacted], [redacted], and the installment loan ending in [redacted]. The claim for the account ending in [redacted] was approved. However, the claims for the account ending in [redacted] and the loan ending in [redacted] were denied because they determined that you had conducted the transactions. Our Disputes Resolution Department and Bank Protection Department have stated that you have not yet provided a copy of a police report showing that you were the victim of identity theft in relation to these accounts. In order to further investigate this matter, we will need you to provide us with a copy of the police report you filed. You may send this document 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 this document to my attention at ###-###-####. Once we receive the requested documentation, we can further investigate this matter. Additionally, we show that there were multiple checking accounts opened in your name that have been charged off: [redacted] Opened 07/19/07 [redacted] Opened 07/19/07 [redacted] Opened 01/09/08 [redacted] Opened 05/16/15 You state in your complaint that all accounts with Fifth Third Bank were opened fraudulently. Please be sure that the police report you send to us reflects this information. 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

[redacted] [redacted] [redacted] Date: February 29, 2016 Regarding Your Inquiry Removal Request Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your inquiry removal...

request. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, I apologize for any difficulties or concern this situation may have caused you. However, we stand by our previous correspondence dated December 2, 2015. Our position on this matter has not changed. You previously advised the Bank that the inquiry we processed on May 7, 2014, was unauthorized. However, our research determined that you submitted an application for a vehicle installment loan at the [redacted] dealership in [redacted], [redacted]. The dealership submitted your application to Fifth Third Bank, which we denied. Please note that it is a typical dealership practice to submit an applicant’s application for credit to multiple lending institutions at the same time. For your reference, I have enclosed a copy of our previous correspondence. If the application was submitted in error by the dealership, they will need to provide us with a letter documenting their error. The dealership representative can send the requested letter to the following address: Fifth Third Bank Office of the President Attn: Shawna T. 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, this signed documentation can be faxed to my attention at: ###-###-####. If you would like to contact the credit bureaus directly, the contact information can be found below: Equifax ###-###-#### Experian ###-###-#### TransUnion ###-###-#### Innovis ###-###-#### If the application was submitted to the dealership in your name fraudulently, please contact your local law enforcement. They are able to assist you with completing the necessary documents for any fraud that may have occurred. If you have already filed a police report and have a copy of it, please fax a copy to us and we will have the inquiry removed. As of February 26, 2016, we have not received a letter from the dealership stating the application was submitted in error, nor have we received a copy of a filed police report regarding a fraudulent application. In your correspondence to the Revdex.com, you stated that Fifth Third Bank completed an inquiry into your credit report for a mortgage loan. We completed a thorough review of our systems and determined that we have never processed a mortgage loan application in your name and we have not submitted an inquiry into your credit report for a mortgage loan. We also verified that we have not completed any inquiries into your credit report other than the May 7, 2014, inquiry. If you have a copy of your credit report that shows an additional inquiry by Fifth Third Bank, please send the documentation to the Bank using the information provided above. I would be happy to further research your concerns. 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: Previous Correspondence

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. 
Hi,
Prior to opening the account I asked what the requirements were and was told I needed 5 debit transactions and a $5000 deposit by the end of the 2nd statement closing. I asked multiple times if I would receive the bonus and was told "yes, you've met the requirements and need to wait until 60 days had elapsed" If someone told me I needed a $5000 average daily balance instead, I could have easily deposited $100k to bring my average balance up. But since I was told to just wait until the time had elapsed to receive the bonus, I did no such thing. As a brand new Fifth Third customer who was looking to build a long term business banking relationship, this really puts a bad taste in my mouth and I'm reconsidering that relationship completely. I would hope you'll still honor the bonus as a goodwill gesture and to facilitate a long-term relationship with Fifth Third, especially  since the confusion was generated by Fifth Third.
Regards,[redacted]

Please find below the text  of the letter and a listing of enclosures being mailed to the customer. Thank you. [redacted] Date: February 15, 2017 Account: [redacted] Regarding Your Fifth Third Bank...

Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your vehicle installment loan. We appreciate the time you have taken to express your concerns regarding this matter. Enclosed please find copies of your loan payment history and note. If after you review the enclosed documents you find that the account is incorrect, please forward details regarding the incorrect information to the following address: Fifth Third Bank 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. Please refer to page two (2) of your security agreement which provides you with information regarding late payments to your installment loan. Specifically, item fifteen (15) defines default as: ** You do not make any payment on or before it is due; ** You do not keep any promise you made in this Agreement; ** You do not keep any promise you made to us in another contract, note, loan or agreement with us; ** You made any untrue statement in the credit application for this Agreement; ** You committed any forgery in connection with this agreement; ** You die, are convicted of a crime involving fraud or dishonesty, or are found by a court with jurisdiction to do so to be incapacitated; ** You file bankruptcy or insolvency proceedings, or anyone files bankruptcy or insolvency proceedings against you; ** You take the Vehicle outside the United States or Canada without our written consent; ** You use the Vehicle or Allow someone else to use it in a way that causes it not to be covered by your insurance; ** You do something that causes the Vehicle to be subject to confiscation by government authorities; ** The Vehicle is lost, stolen, destroyed or damaged beyond economical repair, and not fixed or found within a reasonable time; or ** Another creditor tries to take the Vehicle or your money on deposit with us by legal process. Furthermore, section sixteen (16) item b states: REPOSSESSION: We can repossess the Vehicle, unless prohibited by law. We can do this ourselves, have a qualified person do it for us, or have a government official (by replevin) do it for us. You agree that we can peaceably come on to your property to do this. We may take any other things found in the Vehicle, but will return these thing to you if you ask. If you want these things back, you agree to ask us in a letter sent to us by certified mail within 24 hours. If you do not send us this letter, you give up any claim to these things. You agree that we may use your license plates in repossessing the Vehicle and taking it to a place for storage. For your convenience and review, we have enclosed a payment breakdown detailing the late payments on your installment loan. Our review of the payment history determined that the installment loan was approved for Repossession on January 4, 2016. On January 4, 2016, your installment loan was due for the October 30, 2015, payment. This made your installment loan sixty-six (66) days past due at the time of approval to repossess your vehicle. The Bank acted within the terms of your security agreement in attempting to repossess your vehicle. As noted on the enclosed payment breakdown, you made a $1,200.00 payment on March 16, 2016. This payment satisfied four (4) regular payments. The payment satisfied your November 30, 2015 payment (107 days late), your December 30, 2015 payment (77 days late), your January 30, 2016 payment (46 days late) and your February 29, 2016 payment (16 days late). On April 1, 2016, a $355.00 repossession fee was assessed to your installment loan. Your loan was sent to our repossession vendor who received the fee for getting a positive resolution to your repossess order. Specifically, the fee was provided to the vendor when you brought your loan current. On July 5, 2016, your installment loan was referred for repossession a second time. At the time of the repossession referral, your installment loan was sixty-five (65) days past due. As you are aware, on August 25, 2016, your vehicle was repossessed. At the time of repossession, your installment loan was one hundred seventeen (117) days delinquent. On August 26, 2016, you made a $500.00 payment which satisfied your payments due April 30, 2016, and May 30, 2016. On August 27, 2016, you made a $999.00 payment which satisfied your payments due June 30, 2016, July 20, 2016, and August 30, 2016. It should be noted, your late fees and repossession fees on August 27, 2016, totaled $931.25. In addition to your monthly payments $486.78 of your payment were applied to the repossession fee assessed on April 1, 2016, and late fees. There were $444.47 in late fees still due on your account. On September 16, 2016, a $350.00 repossession fee was assessed to your installment loan. This fee was assessed to pay the repossession company that was able to secure your vehicle on August 25, 2016. Our review of the payment history and fees assessed to your installment loan determined no Bank error. We are unwilling to reverse any of the fees assessed to your installment loan. As of February 13, 2017, the amount required to bring your installment loan current is $1,234.96. This amount includes: Past Due Amount $ 315.18 Repossession Fee $ 335.03 Late Charges $ 495.99 February 30, 2017 payment $ 315.18 Total: $1,461.38 (-) Partial Payment -$ 226.42 Total Due: $1,234.96 We have confirmed with the Collections Department that your installment loan does not qualify for hardship assistance at this time. However, if you would like to discuss any changes to your ability to make loan payments please contact our Borrower’s Assistance Department at ###-###-####, option 4. A representative is available, Monday through Friday, 8 a.m. to 5. p.m., ET. Thank you for your patience while we researched this matter for you. You are a valued customer, and we look forward to serving your financial needs in the future. If I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Note Payment History Payment Breakdown

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]
   As soon as the Fifth Third started applying the $44.00 payment the payment was being sent to Fifth Third and to the wrong account, an accident Fifth Third Recognized and applied it to the account that they forwarded all the statements to you and me...How did they know what account it was intended for and why did they not tell [redacted] or myself that the check was going to the wrong account but was applied to the correct account. Was Fifth Third not aware who [redacted] was and why checks are sent by them? Fifth Third new it was the wrong account # and rejected another proposal on December 14th 2015 by [redacted]... Meanwhile my credit is damaged and more interest and penalties have been applied to my account because of a mistake of account numbers that Fifth Third new was a mistake. As a business owner I know if I knowingly took advantage of a customers mistake I would be in trouble with the law, but I am not a bank.  Please contact me with any further questions and thank you for your time. [redacted]

[redacted] Date: May 26, 2017 Account: [redacted] Regarding Your Transaction Disputes Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

your transaction disputes. 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 researched this matter thoroughly and passed on your concerns to the relevant parties in 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. Our records show that our Disputes Resolution Department opened case number [redacted] to investigate your dispute of transactions totaling $12,498.55 that posted to your credit card ending in [redacted] from September 2014 to November 2014. On December 17, 2014, we posted provisional credits totaling $12,500.35 to your replacement card ending in [redacted] which included the disputed transactions as well as an international transaction fee of $1.80. During our investigation we obtained documentation from the merchants showing that the transactions in dispute were valid. We provided the merchant documentation to you and requested additional documentation from you to support your claim that the transactions were fraudulent. However, you did not provide the requested documentation, and based on the information and documentation gathered during the investigation, we denied your dispute. On February 6, 2015, we reversed provisional credits totaling $3,851.10, and on February 17, 2015, we reversed the remaining provisional credits totaling $8,647.45. Per Federal Regulations, if you believe there is an error on your statement, you have sixty (60) days from the date the error first appeared on your statement to contact the Bank in writing to notify us of the error. When you disputed the transactions in December 2014, you were within the sixty (60) day timeframe. However, because we denied your dispute and it is far beyond the sixty (60) day timeframe, you no longer have dispute rights for these transactions and are wholly liable for repaying the debt. The balance on your account owed after all of the temporary credits were reversed was $13,280.77. However, you did not make any payments, so your account was charged off with balance of $14,465.47 on July 31, 2015. I have enclosed copies of your statements from October 2014 through August 2015 for your review. The full debt is now due in full. Please contact our Recovery Department at ###-###-#### to make suitable payment arrangements. They are available Monday through Friday, 8 a.m. to 5 p.m., ET. Please be aware that if you fail to make suitable payment arrangements we may take further collection actions such as referring your account to an outside collection agency or to an attorney to initiate legal action against you. In regards to the information submitted to the credit reporting agencies for your account, we determined that information is correct since you are liable for the debt. The account is reporting as charged off. We are required to report accurate information to the credit reporting agencies and will therefore not make any changes to the reporting. If you would like to contact the credit reporting agencies directly, they can be reached at the numbers listed below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### 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 Enclosures: Merchant Documentation

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Although I received a 360 card on the 21st I drove 3 hrs to get it and I also sent a copy of the utilities shut off dated 8 20 as requested. No there is not a decline from the utility company because I use foreign atms withdraw money and pay cash which your agent actions prohibited me from doing so so you are directly responsible because I had no access to my funds.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], I am not going to pursue this matter further.  The bank's response was much the same as what they told me directly, full of twisted truths and flat out falsities.  They continue to say I was not enrolled in auto-pay (I was), because that absolves them of any accountability.At any rate, I appreciate your efforts in this matter Revdex.com.
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.  The response from 5/3 bank is only another apology, and one that misses the mark altogether.  The response to my complaint fails to mention that the bank manager assured me the deposit would go through.  To simply state the policy of signatures needed on a check, without mentioning the bank manager’s mistakes on this issue is an avoidance of accountability at the highest level.  I now know your check deposit rules when the check is made out to 2 people...your teller knew these rules when she mentioned it to the bank manager at the time, but somehow the guy running the branch thought he could supercede this without a 2nd signature.  An apology doesn’t get my wife and I our honeymoon.  I am currently seeking legal action into this matter.  I will also choose a different bank to do my business as I feel more comfortable with a bank that hires competent people to handle my money as well as a more ethical upper management team that holds people accountable and makes right what they wrong to their customers.
 
Regards,
[redacted]

[redacted] Date: December 23, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your installment loan account. We appreciate the time you have taken to express your continued thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On behalf of the Bank, I apologize for the difficulties and concern this situation has caused you. However, we stand by our previous correspondence dated December 2, 2016, regarding the credit processed to your loan. Our position on this matter has not changed. For your reference, I have enclosed a copy of our previous correspondence and all enclosures. As advised in our previous correspondence, the interest rate for the first (1st) portion of your modification was correctly adjusted to the 5% Annual Percentage Rate (APR) per your modification. This information is listed in the payment history previously provided. You can view the interest rate change on page five (5) of the payment history for the date of September 14, 2011. We verified that the 5% APR portion of the modification processed correctly, and no adjustments are needed for that timeframe. The only error on your modification was that the interest rate increased to 9.8% APR instead of 7.5% APR on August 21, 2013. As previously explained, we completed an amortized payment history to determine how much money we needed to credit to the principal balance of your loan due to the interest rate error. Our previous correspondence explained how we determined what we needed to credit to the loan. However, I understand you have continued concerns that the amount was not accurate. An amortized loan is a loan where the interest paid each month is pre-determined and is not based on when the payment is actually received. If a payment due on the first (1st) of the month is not received until the twelfth (12th) of the month, you still only pay the interest that was owed as of the due date. This is how we calculated the amortization schedules. However, your loan is actually a simple interest loan. Simple interest loans accrue interest daily based on the Annual Percentage Rate (APR) being applied to the outstanding principal balance owed each day. For this reason, it matters when the payment is received. If a payment is due on the first (1st) but it is not paid until the twelfth (12th), interest is still accruing daily from the first (1st) to the twelfth (12th) so more of the payment is applied to interest than it would have if the payment was made on time. To be certain that the Bank sufficiently credited your loan, I manually calculated a payment history for the loan based on the correct 7.5% APR and the actual payments you made to the loan. A copy of this history is enclosed. Because we confirmed that the 5% APR processed on the loan correctly, the manually calculated payment history begins with the $61,312.13 loan balance after the June 21, 2013, loan payment processed. You will note there are rows that are highlighted. These lines are highlighted because the interest rate applicable during that time since the previous payment is blended. As a result, the interest had to be calculated for each applicable APR and/or daily interest rate separately and then added together to determine the total interest due for that payment. We adjusted the APR from 9.85% to 7.5% in August 2016. I completed the manual payment history through the September 23, 2016, payment to ensure we credited all necessary funds. Per the manual calculation, the principal balance of your loan after the September 23, 2016, payment would have been $56,223.29 if the interest rate had correctly adjusted to the 7.5% APR. Per the enclosed payment history, the actual principal balance of your loan after the September 23, 2016, payment, which was after we processed the $4,864.58 credit to the account, was $55,714.44. This information confirms that your principal balance is now less than it should have been if the interest rate had adjusted correctly. No additional funds are owed to you for the account. We are unwilling to provide you with additional compensation for the alleged damages related to failure to sell the property. You also mentioned concerns about the modification contract that you signed for the loan. Please be assured that the contract was forwarded to our Legal Department for review. We confirmed that the wording used in the document is legal. However, we no longer include the wording regarding a waiver of liability in our current modification agreements. Additionally, we do not enforce the waiver language as it is listed on your modification agreement. 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: Previous Correspondence

[redacted] Date: June 29, 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 attempted to contact you via telephone on June 26, 2017, regarding this matter. I am sorry that I was unable to reach you. It is my understanding from your complaint that an airline processed a transaction to your account two (2) times. I reviewed your account and determined that [redacted] processed a $65.19 transaction to your account via the debit card on June 19, 2017. They processed another transaction of $109.20 to your account via the debit card on June 21, 2017. This second (2nd) transaction caused an overdraft on your checking account. The balance in your checking account at the end of the day on June 20, 2017, was $32.72. You received a $32.98 credit to the account from PayPal on June 21, 2017. This increased the balance to $65.70. The $109.20 debit card transaction from [redacted] posted on June 21, 2017. Per the Bank’s Overdraft Calculation Order, the debit card transaction was deducted from the balance first (1st), which reduced the balance to negative ($43.50). We then processed the $50.00 cash withdrawal and $12.62 debit card purchase. The ending balance in your checking account on June 21, 2017, was negative ($106.12). Three (3) overdraft fees totaling $111.00 posted to the checking account the next business day. Fifth Third Bank posts transactions during the overnight hours. As a result, the account could show a positive balance during the business day, but if transactions come through to be paid that day and they are processed during our overnight hours, then the ending balance for that business day could be negative. The $109.20 transaction to [redacted] shows the purchase was initiated on June 20, 2017. However, the transaction was not submitted to the Bank as pending on your account at that time. As a result, you were able to complete the $50.00 cash withdrawal and $12.62 debit card purchase without showing the account in the negative. [redacted] requested that we pay them the $109.20 on June 21, 2017, which was processed during our overnight processing hours for the business date of June 21, 2017. The [redacted] transaction caused the overdraft. Per the processing order listed on page fourteen (14) of the enclosed Rules and Regulations, the $109.20 transaction had to be processed first (1st) because the timestamp for when the transaction was initiated was June 20, 2017. Even though you received a direct deposit on June 22, 2017, the direct deposit on June 22, 2017, cannot cover transactions posting to the account for June 21, 2017. The overdraft on the account was valid. We previously waived $74.00 in overdraft fees as a courtesy to you in the previous twelve (12) months. We are unable to reverse additional fees at this time. Based on your complaint, it appears that [redacted] should have processed only one (1) transaction, and not two (2). If this is the case, please contact our Dispute Department to dispute the unauthorized transaction. The Dispute Department can be reached toll-free at ###-###-####. The Dispute Department is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. You also mentioned a $200.00 New Account Bonus for opening the account. I reviewed your account and confirmed it was opened with a bonus offer to receive $200.00 after receiving direct deposit and completing three (3) Online Bill Payments via our website at 53.com within ninety (90) days. You completed the direct deposit requirement for the bonus. However, you did not complete the three (3) Online Bill Payments required. For this reason, the account did not receive the $200.00 bonus. We are unwilling to provide the $200.00 bonus because you did not meet the terms of the offer. While reviewing your account, I noticed that you opted in to Overdraft Coverage on February 9, 2017. Enclosed is a copy of the letter we sent to you confirming the selection. Overdraft Coverage allows the Bank to authorize one (1) time debit card transactions even if there are insufficient funds in the account. Enclosed is a document titled Fifth Third Overdraft Solutions for Consumers. This document explains Overdraft Coverage in detail, and advises how you can change your Overdraft Coverage selection at any time. 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: Rules and Regulations, Overdraft Notice, Overdraft Coverage Letter, Fifth Third Overdraft Solutions