PROCORPSA

I would like to be compensated for the numerous hours I spent trying to resolve this and the fact that it took 13 months to resolve. A refund of the money owed to me is not sufficient.

[redacted]Date: June 3, 2015Regarding Your Mortgage Loan ApplicationDear [redacted]:We received a copy of the complaint you filed with the Revdex.com concerning your mortgage loan application. We appreciate the time you have taken to...

document your thoughts and concerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers' satisfaction.We completed our research of your mortgage loan application that was submitted on April 30, 2015, with an estimated closing date of May 29, 2015. Unfortunately, we have extended our processing times to finalize documents for loan closings somewhat due to the unusually high volume of loan applications we are receiving. On May 27, 2015, upon further review of the application, several conditions were placed on the file, and as you mentioned, were requested from you. On May 29, 2015, you indicated that you requested the IRS transcripts, but were unable to obtain these documents prior to the scheduled closing, due to IRS turnaround times. Because not all of the conditions were met for the application, we were unable to further review the application prior to the scheduled closing on May 29, 2015. I apologize for any frustration this may have caused you.When a mortgage loan application is received, several departments and individuals within the Bank work together to process the application, and communicate with the customer. We strive to provide you with an exceptional experience throughout the application process. From your complaint, it is clear we did not meet your expectations and, I am truly sorry we disappointed you.Thank you for your patience while we researched this matter for 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,[redacted]Office of the President

Date: February 7, 2018 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com regarding your checking account. We appreciate the time you have taken to document your thoughts and...

concerns regarding this matter. We were able to review your concerns regarding the [redacted] Pay transaction for $1,500.00 that was deducted from your account on January 25, 2018. Our review determined that this transaction dispute was originally denied until we received your reassertion letter. On February 1, 2018, a final credit was issued to your account for $1,500.00. That same day, a final letter was sent to you confirming that the dispute was approved. For your reference, I have enclosed a copy of that final letter. We apologize for any difficulty or concern this may have caused you. We strive to provide professional and accurate service to our customers, and again I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at 616-653-9156, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W.Office of the President Pc: Revdex.com Enclosure: Final Letter

[redacted] [redacted] [redacted] Date: November 15, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your installment loan account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On February 26, 2010, you agreed to a seventy-five (75) month vehicle installment loan in the amount of $28,865.66. Per the enclosed contract, the final payment for your loan was due on August 28, 2016. We submit information to the credit reporting agencies each month regarding the payments for the account. Payments received more than thirty (30) days after the due date are reported as late payments. Because the maturity date for the loan is the date by which the loan must be paid in full, the account is reported as late if the final payment due is not paid in full within thirty (30) days of the final payment date. On September 16, 2016, you spoke to our Collection Department to advise you sent a payment to the Bank the previous week. Our Collection Department advised that the loan had to be paid in full by November 28, 2016, which was ninety (90) days after the maturity date. You set up payments for the loan during this phone call. We were able to review the phone call, and we confirmed that credit bureau reporting was not discussed. After reviewing the account, we confirmed that the loan was not paid in full until October 17, 2016. The loan was paid in full more than thirty (30) days after the final payment date; therefore, the thirty (30) day late payment reported for the August 2016 payment is accurate. We are unwilling to remove the late payment from your credit report. I am sorry for any distress this may cause you. Fifth Third Bank complies with the Fair Credit Reporting Act (FCRA) to report accurate account information. Our records reflect that you requested to speak to a supervisor on October 18, 2016. You were transferred and left a voicemail for the supervisor that day. On October 19, 2016, a supervisor named Jessica called you per your request. However, she was unable to reach you and left a message for you. You spoke to the Collection Department again on October 21, 2016. The Collection Department representative you spoke to offered to transfer you to the supervisor’s voicemail, but you declined. I am sorry for any difficulties you experienced when attempting to speak to a supervisor. 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: Loan Contract

[redacted] [redacted] [redacted] [redacted] Date: July 15, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my 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 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. Our records show that you first contacted Auto BillPayer on April 29, 2016, to set up automatic monthly payments for your installment loan ending in [redacted], and your installment loan was set up with the service on May 6, 2016. Unfortunately, the incorrect start date for your automatic payments was entered in error, so Auto BillPayer did not withdraw your payment due on May 30, 2016. As a result, your installment loan became past due. On June 30, 2016, Auto BillPayer withdrew your monthly payment; however, since the May 2016 payment had not yet been satisfied, that payment satisfied your May 2016 payment rather than your June 2016 payment. As of July 14, 2016, your installment loan is still due for your June 2016 payment of $1,796.47. It was certainly not our intention to cause you any hardship. On July 11, 2016, we waived the two (2) late charges totaling $20.00 that were assessed for your May 2016 and June 2016 payments. An update was also submitted to all four (4) credit reporting agencies to remove any delinquency that was reported as a result of the May 2016 payment not being withdrawn. However, our research shows that your installment loan was not reported as delinquent to the credit reporting agencies as a result of this error. The next Auto BillPayer withdrawal is scheduled for July 29, 2016. Please note that if your due date falls on a weekend or holiday, the payment will be withdrawn on the business day prior to the due date. As our Escalations Department informed you, you will need to satisfy the June 2016 payment in order to prevent further delinquency. It is our understanding that you requested for Fifth Third Bank to cover the payment. Unfortunately, we are unable to cover this payment as it is still your responsibility. Please be aware that if you do not satisfy your June 2016 payment prior to your next payment being withdrawn on July 29, 2016, your installment loan may be reported as delinquent to the credit reporting agencies, and additional late charges may be assessed. 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.  While I understand 5/3 point of view, a customer is in a banking center to ask questions. When a representative of that company tells the customer not to make the payment as it will be included later, the customer believes that employee to be correct. Which is what happened here. I even described the employee we dealt with. Also, to 5/3 comment about how they stopped calling on a certain date. I signed papers and closed well before the harassing calls and letters stopped. They sent me a certified letter more than 2 weeks after I closed on the house and the new owners had already moved in. Their out of state collectors continued to call athe all hours of the day long after I sold the residence as well.I simply followed the directions of the employee at the location. For 14 years I owned that property. The only issue ever, was when I made my payment to a month early and they could not process the payment that early but did not bother to tell me and reassigned my payment into another account. That took them several months to get that straightened out. This being the last payment ever, I simply want them to reverse the late payment so I can purchase a home that I have worked so hard to provide for my family. This is the single reason I cannot purchase a new home overy 600 miles away. 
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.  
[AS I stated I was told my loan due date was he 28th and even if the paperwork states something different I spoke with two representatives on two separate occasions about making my payment due on the 28th, which that being the case I have never been 15 days beyond the 28th of the month with any of my payments.  my payments are made by my bank and I can show my payments are made on the 28th.  They maybe be a day or so in posting to my account but never 15 days beyond the due date.]
Regards,
[redacted]

[redacted]Date: March 13, 2017Account: [redacted]Regarding Your Balance...

Transfer PaymentDear [redacted]:We received a copy of the complaint you submitted to the Revdex.com regarding the balancetransfer payment for your Fifth Third Bank Cash Rewards [redacted]. We appreciate the time you havetaken to express your concerns regarding this matter. Your feedback is very important to us as it allowsus to better understand how we can improve our service to you.On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration thismatter may have caused you. We received the balance transfer payment of $1,787.00 on January 27,2017; however, we posted the payment to your mortgage loan ending in [redacted] in error. On February 23,2017, we reversed the payment from your mortgage loan and applied it to your Cash Rewards[redacted] ending in [redacted]. I am sorry for the delay in locating the missing payment. I hope this lettermeets your satisfaction and resolves your needs.As of March 9, 2017, there is a credit balance on your Cash Rewards [redacted] in the amount of$677.52. If you would like for us to return the funds to you, please let us know if you would like for us tosend you a check, or if you would like for us to transfer the credit balance to your Fifth Third Bankchecking account. You may call me at either number below, and I will be happy to assist you. Please alsonote that if the credit balance remains on your account for two (2) statement cycles the funds willautomatically be returned to you via check.Thank you for your patience while waiting for a response. It is a well-known fact that no business cansurvive without its customers, and we want to assure you 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 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,Elizabeth D.Office of the PresidentPc: Revdex.com

[redacted] Date: February 8, 2018 Account: [redacted] Regarding Your Mortgage Account Dear [redacted]: We received a copy of your complaint that was recently filed with the Revdex.com (Revdex.com) concerning...

your Fifth Third Bank Mortgage Loan. We appreciate the time you have taken to share your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. We have researched the issue surrounding the amount that has been paid from the escrow account associated with your mortgage loan account ending in [redacted], and have verified that the correct property tax amounts have been paid from escrow for the years 2014 – 2017. These amounts are as follows: 2014 $663.59 2015 $1,335.65 2016 $1,351.28 2017 $1,370.79 Our research has found that the property tax bill amount increased sharply from 2014 to 2015 because the property assessed value increased from $60,000.00 to $121,000.00 associated with the amount reflected under the Exempt and Exclusion category on your Property Tax Collections Bill. I have enclosed copies of the Property Tax Collections Bills received by the Bank for the years 2014 – 2017 for your records. If you have any questions concerning the information included in these bills, please contact your county tax office. Regarding your concerns associated with the shortages versus overages you have had in your escrow account at the time of your annual analyses over the span of the years in question, I have also included the Annual Escrow Account Disclosure Statements that have been sent to you from 2014 – 2017. The Bank will analyze your escrow account once a year in accordance with RESPA (Real Estate Settlement Procedures Act) guidelines. At that time, we will estimate the insurance and tax payments for the following year, using the amount paid from the previous year, in order to calculate the funds needed in the escrow account to make these payments. Any changes in property taxes or insurance premiums will be reflected at the time of analysis unless we receive additional documentation from the tax municipality or insurance company before that time. When the escrow analysis is complete, we will mail an Annual Escrow Account Disclosure Statement, which details the results of our escrow analysis including any escrow shortage or overage that have might occurred. If an escrow shortage exists, the customer may pay the total shortage amount by the due date indicated on the Annual Escrow Account Disclosure Statement or the shortage will be collected as part of the overall monthly mortgage payment. Under Federal Law, an escrow surplus less than $50.00 for a mortgage account in good standing will be divided over the next twelve months and applied to reduce your monthly escrow payment. If an overage greater than $50.00 exists, and the account is in good standing, a refund check will be issued directly to the customer for the amount of the overage. As stated previously, the Annual Escrow Account Disclosure Statements that have been sent to you from 2014 – 2017 are enclosed. To assist with clarity when reviewing the current Annual Escrow Account Disclosure Statement, as well as those going forward, I wanted to provide additional details. On August 25, 2017, we performed an annual escrow analysis and mailed to you an Annual Escrow Account Disclosure Statement to the address on file. In this document it was explained that our analysis discovered an escrow shortage of $52.05. Please note that the escrow shortage is only the amount that your escrow account is short at the time of the analysis and is not the amount needed to continue to fund all disbursements. RESPA also establishes how the Bank must calculate and disclose payments from the escrow account, and limits on the amount of cushion we are permitted to collect on the account. The cushion equals two months of projected escrow account payments. Due to an increase in taxes and insurance, as indicated on the Annual Escrow Account Disclosure Statement, your current required escrow cushion is $325.38. Please refer to page 2 of the enclosed Annual Escrow Account Disclosure Statement to see that the lowest projected balance of your escrow account in is $273.33. The escrow shortage was determined by adding the lowest projected balance with the lowest required cushion. With the projected beginning balance of $273.33 taken from the required cushion of $325.38, your 2017 escrow shortage was calculated as $52.05. Once the shortage is paid, the monthly escrow payment is adjusted to accommodate the required amount in the escrow account to pay the increased tax bills and insurance premiums for the upcoming year. If you have questions surrounding this process, please feel free to call me with the information below. Additionally, your comments expressing less than quality service you received, both associated with this matter and with previous payment issues 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. Enclosed you will find a copy of the payment history for your loan, please review the payments listed to ensure all updates have been performed accordingly. Also, I 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], we appreciate your patience while we research this matter. You are a valued customer and we hope you will allow us to service 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 p.m., ET. Sincerely, Sarah S.Office of the President Pc: Revdex.com Enclosure: Property Tax Collections Bills for 2014 – 2017 Annual Escrow Account Disclosure Statement Dated August 24, 2014 Annual Escrow Account Disclosure Statement Dated August 25, 2015 Annual Escrow Account Disclosure Statement Dated August 25, 2016 Annual Escrow Account Disclosure Statement Dated August 25, 2017 Mortgage Loan History Statement

[redacted]Date: June 15, 2015Account:       [redacted]Regarding Your Checking AccountDear [redacted]:We received a copy of the complaint you filed with the Consumer Financial Protection Bureau and the Revdex.com...

regarding your account with the Bank. We appreciate the time you have taken to express your thoughts and concerns regarding this matter.Your comments expressing less than quality service when you emailed the Bank and when you contacted the Banking Center and spoke with the Personal Banker regarding the closure of your account are very concerning. Please be assured we have researched the concerns outlined in your correspondence and have forwarded them to the appropriate personnel for further review. Additionally, we have received confirmation that the Bank made the decision to close your account ending in [redacted] with a scheduled closure date of May 11, 2015, and communication was sent to you at the address on file at that time. I apologize if you did not receive it. However, when the Banking Center was unable to reach you over the telephone prior to the scheduled closure date, they extended the closure date to May 18, 2015. Unfortunately, they still did not hear back from you prior to the account being closed on May 18, 2015, so a check was mailed to the address on file for the remaining account balance. A copy of the letter sent to you at the above address, on April 30, 2015, regarding the account closure, is enclosed for your reference.It should be noted that we have also reached out to the Banking Center Manager, [redacted] regarding the situation. She advised that she had received her first (1st) call from you on June 2, 2015. It is our understanding that she advised at that time she needed additional time to research the possibility of placing a stop payment on the check that was issued to you. Additionally, she has advised that she left a message that same day advising that she did not have an answer regarding the stop payment and that she would call again on June 3, 2015. I apologize if this was not the case.I have confirmed that a new check was issued to you at the above address on June 4, 2015. If you have not received the check, please call me directly at the telephone number below and I will be happy to make arrangements for you to pick up the check at one (1) of our banking center locations.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,[redacted]Office of the PresidentPc: Consumer Financial Protection Bureau; Revdex.com Enclosure: Account Closure Letter

[redacted] Date: March 22, 2016 Regarding Your Mortgage Loan Application Dear [redacted]: We received a copy of the complaint filed with the Better Bureau Bureau concerning your recent Fifth Third Bank...

mortgage loan application. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We would like to offer our sincere apologies for any inconvenience this matter may have caused you. Please be assured that Fifth Third Bank takes your feedback regarding your experience very seriously, and I have contacted the relevant parties to pass on your concerns. Our Mortgage Loan Originators strive to provide professional and accurate service to each and every customer they assist throughout the day. I am sorry if your experience did not meet the same high standard. While Fifth Third Bank is a mortgage servicer, FHA (Federal Housing Administration) insures many of the mortgage loans that we originate. The Federal Housing Administration has numerous guidelines we are required to follow for their loan products. If any documentation does not meet FHA guidelines for the loan product then the requirements and disclosures may adjust accordingly or the application may be declined. On December 18, 2015, we received your application for a thirty (30) year FHA mortgage loan for $98,188.00. On December 18, 2015, you were provided with a mortgage pre-qualification letter. It was later determined that you did not qualify for the FHA mortgage loan. When the application was initially submitted, your student loan payments were excluded since the payments were deferred for four (4) years. It was later determined that your student loan payments would need to be included in your debt total, using two percent 2% of the outstanding balance as the monthly payment. Therefore, when the application was submitted again with the student loan payments, you did not qualify for the FHA mortgage loan. I regret that you were told otherwise. Once your concerns were brought to our attention, we contacted senior management in the [redacted] affiliate to review this matter. The decision was made to either offer to reimburse you for the earnest money you put down on a property, if you were unable to get the funds refunded, or to approve you for a new mortgage loan with the same terms as the FHA mortgage loan in which you applied. You advised Shellie S., Mortgage Loan Originator, that you were already refunded for the earnest money and that you decided you are no longer interested in purchasing a home. Please accept our sincerest apologies for the frustration this matter has caused you. We truly value your business and look forward to serving their financial needs in the future. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####. Sincerely, Lisa S. Consumer Resolution Specialist Office of the President Pc: Revdex.com

Problem: I have another complaint filed with the Revdex.com filed in August now the bank has done the exact same thing again for the month of September and they still haven't resolved the issue from August. Sarah S. from the office of the President contacted me regarding the original complaint and promised...

to get it resolved. I followed her directions and still haven't heard back or received any resolution. Now in September the bank has charged me TWICE after telling me they wiped out all previous arrangements set up electronically to prevent any issues going forward. I spent 1 hour on the phone with customer service this morning speaking with a representative who left me on hold for 25 minutes pretending to seek out a supervisor who she later stated was in a meeting. I called and left multiple messages for Sarah regarding her follow up to my August issue and also alerting her to the issue that occurred now in September and of course NO ANSWER. How is it legal for this bank to continue to do this with no recourse?Desired Outcome: OVERDRAFT FEES REFUNDED ERRORS CORRECTED CUSTOMER SERVICE OR DOES IT NOT MATTER?

[redacted] Date: May 12, 2017 Account: [redacted] Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received your complaint filed with the Revdex.com regarding your...

installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Thank you for taking the time to speak with me via the telephone regarding your concerns with your installment loan. To recap our conversation, I explained that I had waived one (1) overdraft fee of $37.00, and one (1) $15.00 return deposit item fee to your checking account ending in [redacted] on May 4, 2017. On May 3, 2017, I waived a late fee of $16.50 on your installment loan. I also offered to reverse the payment that was made by our Collections Department on May 1, 2017, for $252.03; however, you would need to make alternate payment arrangements for that payment with our Collections Department. You stated that you did not want us to reverse the payment. Your installment loan is currently due for the May 18, 2017, payment of $255.07. As of today, your checking account balance is negative ($460.38) and has been overdrawn for eight (8) days. Please ensure that a deposit is made to your account to cover the negative balance as the Bank will charge off your checking account and report it to ChexSystems if the balance remains negative for fifty five (55) days. When a debt is owed for one (1) of your accounts, the Bank has the right to transfer funds from another account you are an owner of, to cover the debt owed to the Bank. This is known as the Bank’s right to offset, and is disclosed in our Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards. On page eleven (11) section seven (7) of our Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards, it states, “Any obligation may be charged to any deposit account in the name of Customer or in the name of any Joint Customer and Customer hereby grants to Bank a security interest in Customer’s accounts with Bank and any accounts Customer has with any Bank Affiliate to secure the Obligations, regardless of the amount of contribution by any Customer to such account(s). Customer agrees that the security interest it has granted to Bank hereunder is consensual and is in addition to Bank’s common law right to set off. Customer also grants Bank the right, on Bank’s own behalf and on behalf of any Bank Affiliate, to set off against any and all funds in Customer’s account to pay any Obligation owed by the customer.” For your reference, I have enclosed a copy of the Bank’s Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards. Please note that there is no required number of telephone calls that must be made in order for the Bank to exercise the right to offset. The right to offset can be used any time your account is past due. We apologize for any difficulty or concern this may have caused you. Our Collections Department may reach out to you via the telephone, or via standard mail to alert you of the past due status of your account. In reviewing our records, it does appear that our Collections Department attempted to contact you via the telephone on several occasions, using the telephone number we have on file of ###-###-####; however, they were not able to reach you. Multiple attempts to reach you were made. I have included a list below of the days telephone calls were placed to you. February 23, 2017-February 28, 2017 March 1, 2017-March 4, 2017 March 6, 2017-March 11, 2017 March 13, 2017-March 15, 2017 March 23, 2017-March 31, 2017 April 1, 2017 April 3, 2017 April 6, 2017-April 8, 2017 April 10, 2017-April 15, 2017 April 17, 2017-April 22, 2017 April 24, 2017-April 29, 2017 The Bank may make several calls each day in an effort to obtain a payment or to arrange suitable payment arrangements with you. When placing telephone calls, our Collections Department does not leave a voicemail message. The letter mentioned in your correspondence that was dated May 2, 2017, was the only letter that the Bank sent to you. During our research into this matter, we discovered an issue with two (2) checks that were recently deposited into your account and then returned into your checking account. On April 19, 2017, we received your Automated Teller Machine (ATM) check deposit of $47.00. On April 24, 2017, the item was returned with the return reason listed as “Unable to Locate.” On April 28, 2017, we received your ATM check deposit of $255.07. On May 3, 2017, the item was retuned with the return reason listed as “Unable to Locate.” Copies of the checks that were returned are enclosed for your review and convenience. Also enclosed for your reference is a copy of your account statement for the period from April 12, 2017, to May 11, 2017. This return reason of “Unable to Locate” is listed when the paying institution of the account from which the check is drawn, either does not exist or has been closed. Since this type of activity presents an unacceptable level of Risk for the Bank, our Bank Protection Department has made the decision to close your account. On May 10, 2017, our Bank Protection sent a letter to you informing you that your checking account would be closed by the Bank within thirty (30) days from the date of the letter of May 10, 2017. A copy of the letter dated May 10, 2017, is enclosed. As is indicated on the enclosed copy of the letter dated May 10, 2017, if you have additional questions regarding the activity in the account that prompted the Bank’s decision to close your checking account, within thirty (30) days from May 10, 2017, please call our Bank Protection Department. Our Bank Protection Department can be reached at ###-###-####, Monday through Friday, 8 a.m. to 7 p.m., ET, Saturday, 8 a.m. to 12 p.m., ET. We strive to provide professional and accurate service to our customers, and again I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosures (4): Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards, Copies of Returned Checks, Checking Account Statement

This company continues to damage my credit worthiness. I was told that this would be removed from my report if it was paid. I paid over 1100.00 and this is still on my credit report as a charge off by fifth third bank. They are not about quality customer service and do not value their customers. I have been calling them to resovle this issue since March when I paid the settlement amount.

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. Please see attached documentation. Thank you.
Regards,
[redacted]

[redacted] Date: January 29, 2018 Regarding Your Recent Credit Card Application Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your recent credit card application....

We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties at the Bank. I also want you to know that customer concerns are reviewed by members of senior and executive management as part of our ongoing commitment to improving customer satisfaction. During our telephone conversation on January 26, 2018, I explained that the offer you received from the Bank was a credit card pre-approval offer. I also explained that the 0% introductory Annual Percentage Rate (APR) on purchases and balance transfers for the first (1st) fifteen (15) billing cycles is the Bank’s current [redacted] ® Credit Card offer. In short, you can take advantage of the introductory APR without a pre-approval offer by applying for the card. At that time, you explained that you would consider applying for the card on our website at 53.com. If you decide to apply for the card, soon after submitting the application, you will receive written correspondence from the Bank communicating the outcome of the application to you. If you have additional questions or concerns, you may also contact me directly at the telephone number provided in this letter and I will be happy to assist you. Please also accept my sincere apologies for the level of service you received when you previously contacted the Bank regarding this matter. We strive to provide professional and accurate service to our customer and we regret if this has not been your experience. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President

[redacted] Date: April 20, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received copies of the complaints you submitted to the Revdex.com and [redacted]...

[redacted] regarding your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that we researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Our records show that you accepted Overdraft Coverage for Automated Teller Machine (ATM) and everyday debit card transactions on January 5, 2017 at 4:03 PM from your Mobile App. We have verified the IP address used for that transaction and confirmed this is an IP address you log in with frequently. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides information regarding the fees assessed to your account, Overdraft Protection options, and Overdraft Coverage options. You have the ability to change your Overdraft Coverage preferences for ATM and everyday debit card transactions online at 53.com, at any Fifth Third Bank banking center, or by calling customer service at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET On March 23, 2017, the beginning balance in your checking account ending in [redacted] was $311.12. Five (5) debit items totaling $419.57 posted to your account resulting in a negative ending balance of ($108.45). Due to insufficient funds for one (1) of the debit items an overdraft fee of $37.00 was assessed and posted to your account the following business day. On March 24, 2017, a direct deposit posted to your account bringing it to a positive balance. On March 31, 2017, the beginning balance in your checking account was $106.56. Three (3) debit items totaling $114.60 posted to your account resulting in a negative ending balance of ($8.04). Due to insufficient funds for one (1) of the debit items an overdraft fee of $37.00 was assessed and posted to your account the following business day. On April 3, 2017, your account had a negative beginning balance of ($8.04). Twelve (12) debit items totaling $169.83 posted to your account resulting in a negative ending balance of ($177.87). Due to insufficient funds for ten (10) of the debit items overdraft fees totaling $370.00 were assessed and posted to your account the following business day. On April 5, 2017, your account had a negative beginning balance of ($547.87). Four (4) debit items totaling $68.83 posted to your account resulting in a negative ending balance of ($616.70). Due to insufficient funds for all four (4) debit items overdraft fees totaling $148.00 were assessed and posted to your account the following business day. On April 6, 2017, two (2) online transfers were credited to your account bringing it to a positive balance. I have enclosed copies of the overdraft notices we sent to you for each overdraft occurrence. We also reviewed your Internet Banking alerts. Due to age, we are unable to see the alert activity going back to January 2017. However, our records show that you updated your alert settings on April 10, 2017. You have alerts set via email and our Mobile App to inform you of when your balance is less than $5.00 and when overdraft notices are available to view on 53.com. It was certainly not our intention to cause you any hardship. Our records show that we waived overdraft fees totaling $148.00 within the past twelve (12) months. Because these fees were not assessed in error, we are unable to waive any additional fees per our bank policy. Thank you for your patience while we researched this matter for you. We truly value your business and regret that you feel the need to close your account. We certainly hope you will reconsider this decision and allow Fifth Third Bank to continue servicing 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, [redacted] Enclosures: Overdraft Notices, Overdraft Solutions Document

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]
I dont' understand how 5th 3rd Bank had all my contact information, i.e. phone numbers, addresses both in ** and **. and they never called before encheating my money to the state of **. My parents were both on hospice in ** and I informed the bank I was at their home taking care of them. 5th 3rd told me they sent many letters out to inform me my money was going to be encheated d/t domant acct. If I would have received these letters, no one in their right mind would not respond. I feel the bank should have sent the letter out via certified mail. It's unbelieveable to me what happened. Sincerely, [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. 
Section d of the contract states that if the vehicle is lost or damaged the bank may use the insurance funds to reduce what is owed on the vehicle. Nowhere in the contract does it state that the application of the method would not be counted towards the monthly payments in this scenario. Page 2 section a of the contract states that I agree to payback the bank everything owed even if the vehicle is damaged- which is something I have yet to fail to do. The issue at hand is the practice that Fifth Third is taking in regards to payments received. The payment received from the insurance company should have counted as the monthly payment for October and should have advanced the payment plan as the payment was in excess of the monthly amount required by the bank. However, Fifth Third Bank has chosen, to their benefit, to not count those payments towards the monthly payments, claiming that such payments do not come from me. Fifth Third Bank, am I not the owner of the insurance payments that you received as I am the one that yearly pays my insurance company so that I am covered in occasions such as these? Is the money coming from the insurance company-hence- not my own money as well? Was it not paid on my behalf? How can you say that these monies did not come from me and therefore chose to not apply them to the monthly payment of the loan? This is an unethical business practice that benefits Fifth Third Bank as you are able to charge a late fee to the consumer. Fifth Third Bank fails to explicitly state that insurance payments received are not to be counted as monthly payments in the occasion of vehicle total loss or total damage. The fact that you apply the insurance payments first to the principal of the loan and then to the interest is a practice that you chose to exercise without informing me of it until a scenario as this occurred, and without me agreeing to it as it is not stated in the contract that I signed.
Furthermore, this whole experience really shows how much you truly care for your customers, your unwillingness to accept fault for this and not wanting to correct the information you have sent to the Credit Bureau, over a late payment of $38 dollars, which is what was owed on interest for the month of October is truly appalling. Do you realize that you are ruining my credit over $38 dollars of accrued interest from that month? All due to your inability to accept that you are not adhering to the contract signed and have chosen to exercise an unethical business practice all to gain profit from a late fee penalty? I did not mention in my first address the poor customer service I received from the manager on the phone in the collections department; but now I will. Although your employee was a manager, she chose to treat me with less respect than the one given to me by her subordinate. She repeatedly spoke over me until I finally had to tell her that it was a real shame that I was receiving such treatment from a supervisor. I had to shame her and tell her that she should be more mature than her subordinates and demonstrate true leadership by showing me respect and listening to my concerns so that she could address them properly. It's no wonder why you have such poor leaders as you yourselves are incapable of leading effectively and ethically. Fifth third Bank, you have truly been a great disappointment to work with and I will never do business with you. I am still expecting you to correct the claim that you have sent to the Credit Bureau.
Regards,
[redacted]

[redacted]
[redacted]
[redacted] Date:        June 30, 2015 Account: [redacted] Regarding Your Business Line of Credit Dear [redacted]: We received a copy of your complaint recently filed with the Better Business...

Bureau. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. 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. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Your feedback helps us to identify problems and to improve the level of service we provide to our customers. The due date for payments to post to your Business Line of Credit is typically around the 17th of each month. If we receive a payment after the due date on your statement, we would assess a late fee. It is also necessary for a payment to post each statement cycle to satisfy that month’s payment. To satisfy your monthly payment, a full payment needs to be received by the due date indicated on your statement. Unfortunately, the banking center employee who told you to make your minimum payment minus the late fee gave you incorrect information. Reversing the late fee does not count as a full payment, so if you’re making a payment and deducting the $39.00 late fee, you’re not paying enough to satisfy your minimum monthly payment. This created a “snow­ball” effect that lasted from February to June. On June 19, 2015, we began making all the necessary adjustments to your account to correct the prior payments and give you an updated minimum monthly payment requirement for July, 2015. Please find below an accounting of the minimum payments due each month, as well as payments made by you and any fees that were charged and credited to your account. On December 20, 2014, we sent you a statement for your Business Line of Credit indicating that the minimum payment due by January 17, 2015, was $342.00. You made a payment to your account in the amount of $342.00 on January 16, 2015. Unfortunately, there was a delay in the processing of this payment and it didn’t post to your account until January 21, 2015. Due to this reason, the late fee that posted to your account on January 20, 2015, was reversed on January 21, 2015. In addition, we credited your account in the amount of $0.46 for an interest charge adjustment. On January 20, 2015, we sent you a statement indicating that we had not received a payment from you during the previous statement cycle. Due to this reason, the minimum payment due by February 17, 2015, was $724.00, with a past due amount of $342.00. Two (2) payments posted to your account during this statement cycle. The first payment, which I mentioned in the previous paragraph, was made on January 16, 2015, in the amount of $342.00, but posted to your account on January 21, 2015. The second payment was made on February 13, 2015, in the amount of $350.00. The total amount paid by you during this statement cycle was $692.00, however the minimum payment due was $742.00, which was $50.00 short, causing another late fee in the amount of $39.00 to be charged to your account on February 20, 2015. We reversed this fee on March 3, 2015, due to the error. On February 20, 2015, we sent you a statement indicating that the minimum payment due by March 17, 2015, was $376.00. A payment was received from you in the amount of $350.00 and posted to your account on March 17, 2015. However, the payment was short $26.00, which caused another late fee in the amount of $39.00 to be charged to your account on March 18, 2015. We reversed this fee on April 17, 2015, due to the error. On March 20, 2015, we sent you a statement indicating that the minimum payment due by April 17, 2015, was $376.00. A payment was received from you in the amount of $337.00 on April 16,2015, which was $39.00 short of your minimum monthly payment obligation. A late fee was charged to your account on April 20, 2015, due to the full payment not being paid.On April 20, 2015, we sent you a statement indicating that the minimum payment due by May17,2015, was $417.00. During this statement cycle, your account was accessed the annual fee of $100.00. On April 29, 2015, we reversed two (2) $39.00 late fees that were charged to your account, totaling $78.00. In addition, your balance on your line of credit exceeded the limit during this statement cycle and you were charged an over limit fee in the amount of $39.00 on May 20, 2015. We reversed this fee on June 22, 2015, due to the error. We also received a payment from you in the amount of $417.00 during this statement cycle, on May 6, 2015. On May 20, 2015, we sent you a statement indicating that the minimum payment due by June 17, 2015, was $1,060.80. On June 17, 2015, we received a payment from you in the amount of $400.00. In addition, a late fee in the amount of $39.00 that was charged to your account on June 18, 2015, was reversed the following day. We removed the penalty pricing rate that was applied to your account due to the late payments and waived $340.42 in Finance charges that were charged in error due to the penalty pricing rate increase. The most recent statement to be mailed to you was sent on June 20, 2015. This statement indicated that the minimum payment due by July 17, 2015, was $762.00. As of June 22, 2015, we have made all the necessary adjustments so that the account does not show a past due balance. However your statement was already mailed when the adjustments were being made, so unfortunately your statement will not disclose the correct minimum balance requirement for your July 17, 2015, payment requirement. Please use this letter as verification that your adjusted minimum payment obligation due on July 17, 2015, is $341.00. Please note, the Bank did not report any negative information to the Credit Bureaus, so there weren’t any credit bureau adjustments needed. Please be assured that it was not our intention to cause you any hardship. You are a valued customer and we look forward to serving your future financial needs. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely,   Jennifer C. Office of the President