PROCORPSA

[redacted] Date: August 25, 2016 Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Bonus Dear [redacted]: We received a copy of the complaint you filed with the Better...

Business Bureau regarding your Fifth Third Bank Essential checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Our research confirmed that you opened your checking account ending in [redacted] on February 27, 2016, over the telephone with our Retail Direct Sales (RDS) team. We confirmed with the RDS team that your account was opened during our quarter one (1) Can’t Wait campaign. However, in reviewing your account opening, the promotional offer was not discussed during the account opening. The Can’t Wait campaign for quarter one (1) offered a $200.00 bonus to new customers that met certain qualifying activities. These activities included making three (3) online bill payments, using Fifth Third Bank’s online bill payment service and setting up a direct deposit within the first 90 days after account opening. I have enclosed a copy of the promotional offer for your review. On behalf of the Bank, please accept my sincere apologies if the information regarding the bonus requirements were not thoroughly explained at that time you opened your account. I understand that you have made several trips to the Bank as well as made several phone calls regarding this matter in an attempt to resolve the issue. Please be assured that I have forwarded this information to the appropriate personnel. I reviewing your account and confirmed that you did not made three (3) online bill payments as required to receive the bonus. However, our research determined you were not informed of the qualifying activity requirements at the time of account opening. Therefore, we have credited your checking account with the $200.00 promotional bonus. 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 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, Patrick S.Office of the President PC: Revdex.com Enclosure: Can’t Wait Campaign Flyer

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 still have problem with my account regarding [redacted]- [redacted] They stated that because 272.10 check was cancelled I received payment for the this amount that I should have not  I was told it was 3 check that was sent to this company 1 check for 271.10 another check for 184.0 and third check for 272.10 [redacted] stated there was not a third check now I did not speak with anyone to dispute the 272.10 in the office I was told there was third check because [redacted] already received two check I had to contact company to get my money back they cashed 184.0 and the 272.10 the bank disputed the check [redacted] paid me back that money now they stated I should not received 372.10 amount add back to my account now cause payment was disputed by the bank when I was at the bank we spoke about third check coming to [redacted] they had already had check for 184.0 and 272.10 cashed both of them that why they sent me back 372.10 because 83.96 was taken out of that which left 372.10 they stated check amount 272.10 was disputed they already sent that money back I owe them back that money it's not my fault the bank representative did that I only spoke to them about getting my money bank I didn't do any dispute the bank did  Mess Up my account again Now who is to blame Now not me the bank handle that they need to fix it

[redacted] Date: March 17, 2017 Account: [redacted] Regarding the Hold Placed on Your ATM Deposit Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding the hold placed...

on your Automated Teller Machine (ATM) deposit. 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. Thank you for taking the time to speak with me regarding your complaint on March 14, 2017. Upon receiving your complaint, we reviewed your deposit activity, and as a courtesy to you, decided to remove the hold on your deposit making all funds available to you. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal Regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud. In some instances, we reserve the right to place a hold of a longer period of time on a deposit. The full amount of the deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the seventh business day after the day of your deposit. On March 12, 2017, you deposited a non-Fifth Third check for $1,104.00. Per Federal Guidelines, because your checking account had been overdrawn six (6) or more banking days within the past twelve (12) months, this deposit was placed on hold and a notification letter indicating this hold reason was sent to the address we have on file for you. Originally, the funds would not become available until March 22, 2017, but as discussed previously, the hold was removed by our office on March 14, 2017. During our conversation you also informed me that you have not yet received your state tax refund check and questioned whether a hold would be placed on that deposit as well if you deposit it via an ATM. I have confirmed your state tax refund check was deposited at a Fifth Third Bank ATM on March 15, 2017, and posted on March 16, 2017. 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

[redacted] [redacted] [redacted] [redacted] Date: July 13, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted] [redacted]: We received a copy of your rebuttal to our response letter filed through the Revdex.com on July 6, 2015. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We strive 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. I have enclosed a copy of our current Rules and Regulations for your review. Page 17 provides additional information regarding transaction cut-off times. The business day cut-off time for deposits made through the ATM is 7:00 PM Eastern Time. Notice of this cut-off time is provided on the front of all Fifth Third Bank ATMs. Deposits made after the 7:00 PM cut-off time are not credited until the next business day. A business day is a non-holiday weekday; Monday through Friday. In researching your concerns, we found that your $445.00 deposit was made on Friday, June 26, 2015, through an Automated Teller Machine (ATM) at 8:34 p.m. . Because this deposit was not made prior to the 7:00 PM cut-off time Friday evening, the deposit was not able to be processed until the next business day, Monday June 29, 2015. We are continually working to ensure funds from your deposits are available in a timely manner, while meeting all Federal Regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as a customer, and the Bank, from loss or possible fraud. In some circumstances, we reserve the right, per the federal government, to place a hold on a deposit for a longer period of time. Page 18 and 19 of our Rules and Regulations provides information regarding our Funds Availability Policy and these extended holds. The full amount of the deposit will not become available until the hold has ended. Per our Funds Availability Policy, the first $100.00 of the deposit is made immediately available and the remaining balance is made available the next business day. However, an extended hold was placed on your entire deposit of $445.00 due to the repeated overdrafts on your checking account. A letter informing you of this hold was sent to you on June 30, 2015. The funds were made available to you on July 8, 2015. Enclosed is a copy of the letter previously mailed to you. Overdraft fees are assessed the business day after the overdraft occurrence. In your letter you conceded the (2) $37 overdraft fees, one assessed on June 24 and the other on June 25, were not a bank error. These fees were assessed due to overdraft occurrences on June 23 and June 25, respectively. Your ending day balance on June 25, 2015 was negative ($138.06). Because two additional transactions contributed to the overdraft, your account was scheduled (2) $37 overdraft fees to be assessed the next business day. On June 26, these overdraft fees were posted to your account, totaling $74. Because the funds from your $445 deposit were not available for use on June 26, the payment to Comenity for $101.64 was assessed a $37 overdraft fee that posted the next business day, Monday June 29. Our records reflect that an overdraft charge of $49.00 was reversed on your account on June 29, 2015 and a $37.00 overdraft was reversed on June 30, 2015. Therefore, we are unable to reverse any additional overdraft charges. As of July 8, 2015, the balance in your checking account is $437.91. We empathize with the difficulties you have encountered with your account. 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. Carolyn G. Office of the President Pc: Revdex.com Enclosure: Rules and Regulations

[redacted] Date: December 15, 2015 Regarding Your Accounts Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your accounts. We appreciate the time you have taken to...

document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. According to my research, and as you are already aware per our telephone conversation on December 11, 2015, in an effort to protect our customer’s accounts, the Bank’s Fraud Department regularly monitors customer’s accounts to prevent fraudulent transactions. On December 8, 2015, our Fraud Department suspected that the transaction on your World Debit MasterCard in the amount of $49.20, which posted to your account on December 8, 2015, might be a fraudulent transaction. Because of this, as you are also already aware, the transaction was blocked until we could speak with you regarding this transaction to determine its legitimacy. We regret if this caused you any inconvenience. I also want to apologize for the difficulties you experienced when you contacted the Bank regarding this transaction. Please understand that when you contact the Bank we strive to answer your call immediately without an extended wait time; however, when our call volumes are higher than usual, we are not always able to respond as quickly as we would like. Please be aware that I have ensured that the appropriate actions have been taken on all of the cards that you plan on using when you will be traveling. Although this will not guarantee that a block will not be placed on your account(s) while you are traveling, especially if a transaction is suspected to be fraudulent, the Bank will not block any of your accounts from being used simply because you are traveling overseas. If a transaction is blocked on your debit card while you are traveling, please contact our Bankcard Fraud Department at ###-###-####. If a transaction is blocked on your credit card while you are traveling, please contact our Bankcard Fraud Department at ###-###-####. Our Bankcard Fraud Department is available twenty four (24) hours a day, seven (7) days a week. Alternatively, you can contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET., Saturday, 8:30 a.m. to 5 p.m., ET. You can also contact me directly at the either of the numbers contained in this letter. [redacted], we truly value your business, and we look forward to continuing our banking relationship with 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

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 have closed all my accounts with 5/3 and my wife and daughter are doing the same I will proceed a refinance with our new banking center 5/3 used to much of my time on this matter they say it was only 45 days it turned out to be 4 months

[redacted] Date: October 17, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of your additional complaint you recently filed with the Revdex.com (Revdex.com) regarding the overdraft fees you received on your Essential Checking account. Please be assured that Fifth Third Bank takes your continued feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. We initially received a copy of this complaint filed with the Revdex.com on September 27, 2017; we received a duplicate complaint from you on October 12, 2017. However, we stand by the response conveyed to you in the previous letter sent on October 11, 2017. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. Please note your account was overdrawn on September 25, 2017. Although deposits were made on September 26, 2017 to bring the account to a positive balance, the $185.00 in fees that you received were associated with the previous day’s overdraft. Per our previous explanation, deposits must be received up to the business day cut-off time to prevent an overdraft occurrence. Therefore, a deposit needed to have posted prior to 11:59 PM ET on September 25, 2017 to prevent the overdraft fees from posting the following business day. As the customer, you are in the best position to know what payments are outstanding on your account and will need to be covered by a deposit. I have also enclosed a copy of the Overdraft Notice sent to you on September 26, 2017, this details specifically which transactions these fees were associated with for your records. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S[redacted] Office of the President Enclosures: Previous Response Letter Overdraft Notice dated September 26, 2017

[redacted] [redacted] [redacted] Date: January 31, 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. You contacted the Bank on December 14, 2016, at approximately 11:30 a.m. to advise your purse was stolen along with all of your Bank information, personal identification, and password information. You spoke to a representative named Trafawn. You requested to have the account closed, but Trafawn advised she could not because the account balance was negative. Please note that Fifth Third Bank can close an account per a customer’s request only if the balance is zero ($0.00) and there are no pending transactions. You determined during that phone call that a fraudulent $51.41 debit card transaction to [redacted] processed that morning at 8:48 a.m. using your stolen debit card. Trafawn advised she would place a hold on your account, would place a temporary hold on your debit card, and would transfer you to our Dispute Department to dispute the fraudulent transaction. Trafawn placed you on hold to call the Dispute Department to connect you to a representative. However, when she came back to the call to transfer you, you were no longer on the line. I confirmed that the debit card hold was placed on December 14, 2016, and the checking account hold was placed on December 15, 2016. The $51.41 debit card transaction to [redacted] was disputed by the [redacted] Banking Center on December 15, 2016. The transaction posted to the account on December 16, 2016. The case number assigned to your dispute was [redacted]. After you disputed the transaction on December 15, 2016, the debit card utilized was permanently closed. The dispute was approved and the $51.41 was credited to your checking account on December 20, 2016. Please be advised that even though the Bank placed a hold on your checking account, it does not prevent transactions from attempting to process. The hold returns the transactions as unpaid, but relevant returned item fees are still assessed. On December 27, 2016, six (6) checks totaling $1,947.00 posted to the account. Another check for $983.00 posted on December 28, 2016. All of the transactions were returned as unpaid, but $259.00 in returned item fees were assessed to the account. You disputed the seven (7) check transactions on January 3, 2017. The case number is [redacted] and is still being researched. It can take up to forty-five (45) days to resolve. I confirmed that all of the returned item fees associated with the checks have been waived from your account. Please note that anytime a transaction posts to your account that causes a negative balance, we are required to send a letter to you notifying you of the situation. For this reason, you receive an overdraft notice. We also issued a letter on January 25, 2017, notifying you of the overdraft on your checking account and possible action the Bank could take. Please be assured that the letters are automatically generated and we cannot prevent them from being issued. The Bank will not take any account action on the account while the fraud is being investigated. I am very sorry for any distress the notices may be causing you. Your checking account was secured by the hold we placed on December 15, 2016. No transactions can be approved on the account. I confirmed that all overdraft fees and/or returned item fees for disputed transactions have been waived on the account since December 15, 2016. You also mentioned that you wanted to place a password on your account. Please be advised the Fifth Third Bank guidelines do not allow a password to be placed over the phone with our Customer Service Department. Customers must visit a banking center and show identification to have a password placed. This is done as additional protection to our customers so someone who has stolen a customers’ information or identity cannot call the Bank to place a password. This would prevent the actual customer from being able to get information or make changes to their accounts, because they would be unable to give the password added by the person committing fraud. I noticed that a customer service employee added a password to your account on January 10, 2017. Please be advised that this was done by the employee outside of the Bank’s guidelines, and I have contacted the relevant Bank personnel regarding the action. If you did not place this password, please contact me immediately using my phone number listed below. If you did place the password and want to change or remove it in the future, you will need to visit a banking center to do so. We may be able to close the checking account ending in [redacted] when the account balance is zero ($0.00), as long as there is no pending activity and no checks, Automated Clearing House (ACH) transactions, or Online Bill Payments post the same day. Please note that a $459.15 transaction to Comcast posted to the account on January 24, 2017, which we returned as unpaid due to the account hold. A $37.00 returned item fee was assessed on January 25, 2017. The balance in your checking account as of January 26, 2017, is negative ($35.44). You may wish to contact the Dispute Department to dispute the transaction. Because the transaction was not able to post, the dispute would allow the returned item fee to be waived if the dispute is approved. If you would like to follow up with the Dispute Department directly, they 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. Alternatively, you can contact me directly using my phone number listed below. Please be assured that your new checking account is not connected to the old checking account. They have different account numbers and new debit cards with new debit card numbers were issued. Depending on what information was also stolen, such as identification or your Social Security Number, you may wish to consider filing an identity theft report with the Federal Trade Commission (FTC) online at IdentityTheft.gov. You may also wish to place a fraud alert with the credit reporting agencies. You can contact the credit reporting agencies using their information listed below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### It should also be noted that you are entitled to receive one (1) free credit report from [redacted], [redacted], and [redacted] each year. You can order this by visiting www.annualcreditreport.com. I am very sorry for the dissatisfaction you have experienced with our Customer Service Department. You specifically mentioned an employee named Aubree. Unfortunately, I was unable to locate any phone calls with someone by that name. I apologize for any distress this may cause you. Please note that I was able to locate a phone call during which the call ended abruptly. I cannot determine if the agent purposely terminated the call, or if the call was dropped. Please be assured that I have reached out to the relevant Bank personnel regarding the possible hang up. 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

Sending again the letter from GAP Insurance LEgal Department.  Fifth 3rd is claiming they do not know why the GAP did not PAY more, but according to the GAP letter it indicates that GAP does not send a payment and the bank actually WAIVES the balance due at the time of the accident after the primary insurance pays ([redacted]).  The amount considered GAP would be based on information the BANK provided which was incorrect as the BANK has not returned the entire payment I made after the accident which was $345.44 on Dec 1.  I was told by their employee that I would receive this amount back but needed to make this payment to protect my credit.

[redacted] Date: April 12, 2017 Account: [redacted] Regarding Your Platinum Credit Card Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com and the...

[redacted] ([redacted]) concerning your credit card. We appreciate the time you have taken to document your thoughts and concerns. On February 18, 2017, the Bank sent you an alert concerning potential suspicious activity with your credit card ending in [redacted]. Once you respond to the alert with “No, take action” confirming the transactions were not made by you, a second (2nd) notification should have been received advising you that the card has been blocked and prompting you to contact our Customer Service department immediately to review the account with a Fraud Specialist. On behalf of the Bank, please accept my sincere apology that you did not receive the second (2nd) notification. It was certainly not our intention to cause you any hardship. Your comments expressing less than quality service are very concerning and we regret the difficulties you experienced. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Per our conversation, as of April 1, 2017, you no longer have any open accounts with Fifth Third Bank. Thank you for your patience while we researched this matter for you. 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, Alison S.Office of the President Pc: Revdex.com; [redacted]

[redacted] Date: March 23, 2017 Account: [redacted] Regarding Collection Calls Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com). 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. Our records reflect that you opened a vehicle installment loan on December 1, 2016. Enclosed is a copy of the application for the loan as well as the signed contract. The vehicle purchased was a [redacted]. Please note that your name on the contract is spelled “[redacted].” Unfortunately, the name was entered into our systems as “[redacted]” in error. I confirmed that the address and phone number on the application match the address and phone number in our systems. However, the phone number on the application is not the phone number you provided in your complaint. The phone number in your complaint is not on file and is not being called by our Collection Department. Our Collection Department is calling about this account at the phone number ###-###-####. You advised we are calling you in error, and ###-###-#### is the phone number we are calling, which is the phone number on the application. The email address listed in your complaint is the same email address we have on file for the account. I am happy to verify if the Social Security Number (SSN) is yours if you call me using my phone number listed below and provide your SSN. I can verify if it matches our records. If after reviewing these documents you determine the application was submitted 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. You may also wish to file an identity theft report via the Federal Trade Commission. The report can be accessed online at IdentityTheft.gov. Please send copies of the police report and identity theft report to our address listed above. The documents can also be sent to my attention via fax at ###-###-####. If you would like to contact the credit bureaus directly, the contact information can be found below: Equifax ###-###-#### Experian ###-###-#### TransUnion ###-###-#### Innovis ###-###-#### If you determine the account is valid, please contact me directly using my phone number below so that I can update the spelling of your first (1st) name in our systems. Per your request, we have placed a cease and desist on your account so you will no longer receive phone calls from our Collection Department. Please note that this will not stop other collection activity. To maintain the security of your account, I am sending this letter to the address we currently have on record for you. I noticed that the return address you used in your correspondence is different. According to our security protocols, I cannot update your mailing address based upon your correspondence. I encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updated. The Customer Service Department can be reached at ###-###-####. Customer service 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. I can be reached at the telephone number listed below. 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: Contract

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

I have filed a complaint with the Revdex.com regarding two transactions on my prepaid Fifth Third account I've called and left a voicemail for Allison S. of Fifth Third Banks corporate office. She called and left me a voicemail the other day advising me she was investigating more into...

this matter. I have not heard back from her since my voicemail on yesterday June 23rd 2017 there are two erroneous charges on my prepaid card I disputed  the first one in the amount of $42 and some odd sense at a restaurant on the southside of [redacted] subsequently I noticed that there was also a $35 charge for a nail salon also on the southside of [redacted] I have asked 5th third to look at my transaction history I do not live neither do business on the southside of [redacted]. The restaurant charge that is erroneous is for a Mexican restaurant I do not eat Mexican food they will not see any charges from a Mexican restaurant including [redacted] on my transaction history the subsequent $35 charge was for a nail salon on the southside of [redacted]. Although I do get my nails done I have a designated shop of which I go to which is closer to my home versus traveling to the south side of [redacted]. I feel as if Fifth Third is treating me like I am the criminal instead of seeing I've never had any previous disputes with them. I've been a content customer until now. Even 5th 3rd shut down my regular debit card just a week to two weeks prior to this happening due to an erroneous [redacted] charge that was on my checking account debit card they immediately reversed it but in the meantime still inconvenience me by shutting that debit card down and not advising me what was going on so when I went to try to make transactions my card kept coming up declined but now I feel like I'm being treated as if I'm the criminal. on the prepaid card when I'm disputing these charges because they're totaling over $70. When I contacted the fraud department in open the case initially to file the dispute on the initial charge of $42 and some change from the restaurant on the Southside they advised me I would get a provisional refund of the money within 7 to 10 days now it has been over 2 weeks and I feel like they're holding up my refund and punishing me because I've contacted the Revdex.com. If there's anything that you can do to try to expedite an assist me in this matter I'm more than appreciative.Sincerely,[redacted]

5050 Kingsley DriveMD 1MOCOPCincinnati OH 45263 [redacted]Date: March 8, 2017Account:        [redacted] Regarding the Repossession of Your Vehicle Dear [redacted]:  We received a copy of the rebuttal complaint you submitted to the Revdex.com regarding the repossession of the vehicle securing your Fifth Third Bank auto loan. We appreciate the time you have taken to document your additional 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. However, we stand by the response conveyed to you in our previous letter dated February 13, 2017. I have enclosed a copy of that letter for your convenience. Our position on this matter has not changed.  The insurance notices we sent to you were sent to the mailing address on file. At the time, there had not been an address update since February 20, 2014. Your mailing address was not updated to the address listed above until January 18, 2017. Please note that as the customers it is your responsibility to make sure we have the most up-to-date contact information for you. Fifth Third Bank relied on the contact information you provided to us and we did our due diligence to inform you that we needed proof of insurance from you. As you acknowledged in your rebuttal complaint, you were informed by our Repossession Department that you would need to make a payment to reinstate your loan in cash. A [redacted] payment or cashier’s check would have also been options for the vehicle released that same day; however, during the call with our Repossession Department you took no issue with the request to make a payment in cash. We offer this option first because paying in cash is the easiest way to make a payment with guaranteed funds to allow you to redeem the vehicle that same day. I am sorry if there was any misunderstanding. You also mentioned that you are unable to access your auto online. Please be aware that all customers with an open account are able to log into our website at 53.com to view account details and perform maintenance. Since you do not have a Fifth Third Bank debit card or credit card, you have the ability to enroll for online banking using your account number, full Social Security number (SSN), and loan documents. In order to enroll you will be required to reference your loan documents to answer verification questions. If you would like to enroll in online banking, please visit our website at 53.com. On the home page, select LOG IN. Since you are a first time user, you will need to click on the link to Register. From that point, you will be guided through the steps necessary to enroll in online banking. I am sorry if you were not provided with that option earlier. Additionally, as we stated previously, the force-placed insurance was not added to your loan in error. The total amount of the insurance was $1,829.00. The credit of $1,469.00 was posted to your loan leaving $360.00 still due for the lapse period from May 19, 2016, through July 30, 2016. If you have proof of insurance for this lapse period, you may mail it to the following address: Fifth Third BankOffice of the PresidentAttn Elizabeth D.5050 Kingsley DriveMD 1MOCOPCincinnati OH 45263 You may also fax this documentation to my attention at ###-###-####. Once we receive this documentation, we will forward it to our Insurance Department for a possible full credit of the force-placed insurance. Thank you for your patience while we conducted our additional research. You are valued customers, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely,       Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Prior response letter

[redacted] Date: March 5, 2018 Account: [redacted] Account: [redacted] Regarding Your Credit Card Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your credit card. We...

appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We have completed a review of your account ending in [redacted]. Our records indicate that a case was opened with our Dispute Resolution Department on July 10, 2017. On July 11, 2017, a letter was mailed to you from our Dispute Resolution Department requesting that you sign and return the Declaration of Fraudulent Activity. As you are aware, the document was not returned to us until October 31, 2017. Because the Declaration of Fraudulent Activity had not been returned, your case was closed on September 13, 2017. I have enclosed the letter mailed to you by our Dispute Resolution Department, which advised that your claim had been denied. I have confirmed that, following the receipt of the signed Declaration of Fraudulent Activity on October 31, 2017, your case was reopened. After the case was reopened, our investigator made several attempts to contact you at the telephone numbers on file for additional information. As the investigator was not able to contact you, the case was closed on February 5, 2018. We regret any difficulty this may have caused you. At this time, we are outside of the timeframe to assist you with disputing these transactions as they occurred more than one hundred and eighty (180) days ago. After your dispute was filed, your card ending in [redacted] was closed and replaced by the card ending in [redacted]. As your dispute was not approved, you are responsible for the balance on the account. As of February 28, 2018, the balance on the account is $4,867.40. I have enclosed a copy of the most recent account statement, which explains that a minimum payment in the amount of $561.00 is due on March 17, 2018. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Office of the President Pc: Revdex.com Enclosures: Letter Dated September 13, 2017, Statement

[redacted] Date: October 31, 2017 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the complaint you filed with Revdex.com concerning your vehicle 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 have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving customer satisfaction. Your regularly scheduled loan payment of $245.54 is due on the twelfth (12th) day of each month. On September 25, 2017, you called the Bank to make payment arrangements with the Bank since the payment that was due on September 12, 2017, had not yet been made. Upon our review of the recorded telephone call at that time, you authorized a $246.00 electronic payment from your non-Fifth Third Bank account. You agreed that the payment would be drafted on September 29, 2017. During the call, the employee with whom you spoke explained that, although the payment was being scheduled for September 29, 2017, the payment might not post to your [redacted] bank account until October 2, 2017. According to the [redacted] account statement that you faxed to me on October 16, 2017, the payment posted to your account on October 2, 2017. Unfortunately, the Bank is not able to provide you with a recording of the call on that day as such information is for the Bank’s internal use only. Since you agreed to draft the $246.00 payment on September 29, 2017, and since the payment you authorized was drafted per your instructions, the Bank will not issue you a refund for any of the associated overdraft fees that were assessed to your non-Fifth Third Bank account. We regret any frustration or inconvenience this might cause you; however, the Bank could only issue a refund to you if you were assessed fees because of an error made by the Bank. Please be aware that the $12.28 late payment fee that was assessed to your loan on September 27, 2017, was reversed on October 2, 2017, as a courtesy to you. I also want to be sure that you are aware that, although your September 2017 loan payment was late, this did not result in any negative credit reporting. This is because the payment, although late, was not late by thirty (30) days or more. If you would like to contact the credit bureaus directly, their contact information is below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### As of October 27, 2017, we still have yet to receive your regularly scheduled loan payment of $245.54 that was due on October 12, 2017. Since your loan has a fifteen (15) day payment grace period, as of October 27, 2017, a late payment fee has not yet been assessed. You can send a payment by mail, schedule a payment on our website at 53.com, or schedule a loan payment by phone by calling our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday, 8:30 a.m. to 5 p.m., ET. I also want to take this opportunity to make sure that you are that the Bank offers an alternative to mailing your monthly payments. It is a service called Auto BillPayer. Auto BillPayer will automatically transfer monthly payments from a non-Fifth Third checking account to your loan at no additional cost. Many of our customers appreciate the convenience of Auto BillPayer, which eliminates the need of check writing and mailing your payments. If you are interested, please call ###-###-####, Monday through Friday 8 a.m. to 5 p.m., ET. 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 PC: Revdex.com

[redacted] Date: May 17, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. I also appreciated the opportunity...

to speak with you. We are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. The Bank paid $3,638.62 to [redacted] County on November 3, 2016. As we discussed, the Bank was not billed for the remaining portion of your tax bill. Our research indicates that you were appealing the tax amount. We spoke with the taxing authority on May 5, 2017, after receiving your Revdex.com complaint. They informed us that the appeal was denied and the bill was sent directly to you. While you paid the amount yourself, we have updated your escrow account to reflect that $3,945.33 will be due December 1, 2017. The annual escrow analysis for your loan will be in June and any changes to your monthly payment will be communicated to you separately through an Escrow Analysis statement. We also reviewed your concerns regarding the payment of your homeowner’s insurance premium. Although we are committed to excellence, mistakes sometimes occur. An internal processing error caused the payment for your insurance premium to be delayed. The prior policy was good through October 28, 2016. When we did not receive a bill from the insurance carrier, we contacted them on October 31, 2016, to verify coverage and request the premium notice be faxed to our Insurance Center for payment. We paid your homeowners insurance premium on November 10, 2016. Because Fifth Third Bank maintains a master insurance policy, your property was never exposed and was covered at all times. We assure you that we have closely reviewed and corrected the issue in our internal systems to avoid any similar problems in the future. The next annual premium payment is scheduled for October 28, 2017. Customers can update their insurance information by fax, by mail, or online at InsuranceServiceCenter.com. Property tax information can be submitted either by fax, or by mail. The Bank’s Customer Service Department does not communicate with customers via email for security reasons. It was not our intention to cause you any hardship and I apologize for the inconvenience this matter caused you. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. My view on the matter is their system is faulty and their staff is rude and unaccommodating and if I can't trust my bank I will go elsewhere these fees are not merited and they are on a grand stand to make a point. I will close my accounts and several times with this institution as a whole.
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.  I have known on quite a few occasions for Fifth Third to take at least a week to process my payments, despite your claim. Since your telephone calls are recorded, I am sure it would be quite easy to pull up one where your representatives state that it takes at least 3-5 business days for payments to even be processed by your financial department. Btw, why is it that your computer system cannot show someone from customer service that my payment at least has been received?? I never have this problem with [redacted]....all which seem to more technlogically savvier than your company apparently.Once it is figured out who cashed my money order, I will inform you immediately.
Regards,
[redacted]

Dear Revdex.com,
The response, provided by 5/3 Bank, in reference to complaint ID [redacted] is understood and accepted by me.  Please, consider this matter resolved.  Thank you, for your attentive assistance. 
With Sincere Appreciation,
[redacted]