Fifth Third Bank

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

March 10, 2015*** ** *** *** *** *** *** *** *** ** ***Re: Platinum MasterCard *** *** *** 2969Dear *** ** ***:We received a copy of the complaint you submitted to the Revdex.com regarding your credit card accountWe 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 the difficulties you have experienced with your credit card accountPlease be assured that we researched this matter thoroughly and passed on your concerns to the relevant parties within the BankI 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.A review of your account shows that the statements for your Platinum MasterCard ending in from September through January were being sent to the following mailing address: *** *** *** ***, *** *** ** ***Our records show that you contacted our customer service department on November 29, 2014, because you had not received any statements for your accountUnfortunately, although you provided the address listed above as your current mailing address, your mailing address was not updated at that timeConsequently, statements continued to be sent to the *** *** *** addressWe deeply regret that your mailing address was not changed when you provided it to the customer service professional during that call.Our records also show that your mailing address was updated to the address listed above on January 30, Your February and March statements were sent to that mailing address, and all statements going forward will be sent to that addressIf you did not receive these statements, please contact me at the number belowI have enclosed copies of all of your statements from September through March for your records.It was certainly not our intention to cause you any hardshipIn order to resolve this matter, we will remove the revoked status from your account, and remove the delinquency from your credit reportPlease note that once the revoked status is removed from your account, you will be able to access your account via our Online Banking and view electronic statementsHowever, in order for us to complete these adjustments to your account, you will need to make a payment to bring your account currentAs of March 6, 2015, the past due amount on your credit card account is $You may make a payment at any Fifth Third Bank banking center, or you may mail a payment to the following address:Fifth Third BankOffice of the President Attn: *** *** *** *** *** *** *** *** *** ** ***If you make a payment at a banking center, please ask the employee completing the transaction to call me at the number below so that we may complete the adjustments to your account more quickly. We also waived late fees totaling $and fmance charges totaling $from your accountAs of March 6, 2015, the payoff balance on your account is $Please also be aware that in addition to the past due amount of $124.00, a minimum payment of $is due on April 2, 2015.I also noticed that your name is spelled as "***" in our systems, which is different than the spelling in your complaintIn order to update the spelling of your name in our systems, please mail a copy of your photo identification to the address above, or you may fax a copy to my attention at ###-###-####Once we receive this documentation, we will ensure that our systems are updated correctly.Thank you for your patience while we researched this matter for youIt 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 usIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####.Sincerely, *** ***Senior Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosures (7): Statements

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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.]
Fifth third bank verified that they do have a grace periodUnless this company has the power to change the English language as they are attempting to the common knowledge definition from *** *** is as follows::"a period of time beyond a due date during which a financial obligation may be met without penalty or cancellation." The has never been any deviations of this common knowledge term ever disclosed before this incidentBuried in all of the irrelevant facts in this last response you will find that I never met the criteria for being two payments past due explicitly stated in my contract by the official English language version of the terminology we are referencingThis is explained more specifically in the demand letter sent to fifth third bank as well. No one ever referenced a changed due date except for this company representativeNo one asked for a list of useless payment history data again already provided in the first responseThe fact that it was written out in the manner instead of the actual data that was clear and easy to read in the first response implies that there was intention to confuse into agreement anyone who read their last responseIt may have been a good deflection, but only takes attention away from the main issue. This company is giving a deviated definition of a term because it made a mistake and is now trying to sidestep to cover it's tracksThe variables in this are when something is considered past due which I was told I would need a subpoena for, if there was a grace period, was I (or anyone) ever informed that their version of grace period is quite different than other companies.The making businesses conduct themselves honestly is exactly what the Revdex.com is for.
Regards,
*** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,*** *** I do not agree with their response. Their employee, Mr*** ***, told me that there were NO fees unless I used the account and carried a balance. It is very convenient that he no longer works for the bank. They say that they cannot waive the $fee or close account unless I pay $300. I believe they WILL NOT, not CAN NOT. These seem like unfair business practices. All I want now is that the account be closed with no further fees

February 13, 2015 *** *** *** *** *** ** *** RE: Closed Checking Account *** Dear *** ***: We received a copy of your complaint filed with the Revdex.com regarding your closed Established Checking accountWe
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 the difficulties you have experienced with your checking accountIt was certainly not our intention to cause you any hardshipWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsI 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. Please be aware that the Bank does not offer any ‘free’ accounts at this time; however, on December 15, 2012, you opened an Established checking account ending in***The Established checking account provides several ways to have the monthly service charge of $*** waivedThe monthly service charge will be waived if any of the following conditions are met: ? If you have a combined monthly average balance of $*** in all of your deposit or investment accounts. ? If you have a Fifth Third bank credit card with at least $*** in spending per month. ? If you have any existing loan or line of credit with a balance owed. ? If you have either a Business Premium or Business Elite Checking account and have completed a relationship consent form. Please also note that the monthly service charge is never applied in the first *** (**) after the Established Checking account is openedPlease review the enclosed document containing information about the Established Checking account provided to you when your account was opened. Since your account did not meet any of the criteria mentioned above, we assessed the applicable service charge of $*** on your Established Checking once it had been opened for ninety (**) daysIf the joint account holder of your checking account was also an owner on your Mortgage Loan, the account would not have been assessed a monthly service chargeThis is also noted on the Established Checking account document I have enclosedMonthly service charges are only waived when the all of the accounts in question have the same owners. The monthly service charge associated with your closed Established Checking account was disclosed to you when you opened your accountThere is also mention of it on your checking account statements, which I have enclosed for your reviewPlease note also that you elected to receive paperless statements for your accountWhen this occurs, you must go to our website at www.53.com to view your statements. Fifth Third Bank, Member***Equal Housing LenderFifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Please also be aware that Fifth Third Bank’s customer service department can be reached at *** ***, not *** ***We regret if you were given the incorrect phone number to call. Since your checking account had a negative balance for fifty-five (**) days, your checking account was charged off and closed on December 3, 2013, with a balance owed of $***Please note that there was no negative reporting of the account to any consumer or credit reporting agencies, and no overdraft fees were charged to your account. In the interest of customer service, enclosed you will find a check in the amount of $***In the time that your checking account was open, it was charged a total of $*** in monthly service chargesWhen the account was charged off, a $*** charged off account fee was assessedIn the time that your savings account was open, it was assessed $*** in monthly service chargesI have enclosed all of your checking and savings account statements listing all of the fees assessed to your accounts for your review. Thank you for your patience while we researched this matter for youIf I could be of further assistance to you, please contact me directly at *** ***, or toll free at *** ***. Sincerely, *** *** Consumer Resolution Specialist Office of the President Pc: Revdex.com

*** ** *** *** *** *** *** *** ** *** Date: March 19, Account: *** Dear *** ** ***: We received a copy of the rebuttal complaint you filed with the Revdex.com regarding your credit card account We appreciate the time you have taken to document your additional thoughts and concerns regarding this matterYour comments expressing less than quality service are very concerningOn behalf of the Bank, please accept my sincere apologies for any difficulties this situation may have caused youWe strive to provide professional and accurate service to our customers, and we regret if your expectations have not been met After further review of your account activity, our records indicate that several transactions with no merchant name and the description of 'Direct Deposit Reversal' have posted to your credit card since June In January 2015, we confirmed that these items were being submitted to the Bank via ACH (Automated Clearing House) rather than the standard method of credit card swipe or input of your account informationAs a result, the ACH transactions were manually rejected and returned to the originatorACH transactions are usually submitted with a checking or savings account number and a routing numberCredit card items are not meant to be processed through an ACH transactionTherefore, please be aware that if items continue to be submitted via ACH using your credit card information they may be subject to rejection, debit from your account and return to the originatorWe sympathize with the inconvenience this may cause youHowever, we stand by our previous response and our position on this matter has not changedIn addition, the return address shown in your rebuttal complaint still differs from the contact information we have on file for youDue to our security protocols, I cannot update your mailing address based on your correspondenceI encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updatedThe Customer Service Department can be reached at ###-###-####I can be reached at the telephone number listed below.*** *** please be assured that it was not our intention to cause you any hardship or frustrationYou are a valued customer and we appreciate your loyalty to Fifth Third BankTherefore, we hope that you will reconsider your decision and continue to maintain your accounts with usIf I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, a.mto p.m., ET Sincerely,*** ***Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

I have attached the response for the complaint filed by *** ** *** **We received a copy of the complaint youfiled with the Revdex.com regarding the overdraft fees you receivedfor your checking accountWe appreciate the time you have taken to expressyour thoughts and concerns
regarding this matterYour feedback is veryimportant to us as it allows us to better understand how we can improve ourservice to you.On behalf of the Bank, please accept my sincere apologies for the level of serviceyou received when you contacted our Customer Service Department on November 17,2014, regarding your checking account ending in ***Please be assured that Fifth Third Bank takes these mattersseriously, and we strive to provide an exceptional experience to our customers.After receiving your complaint, I forwarded your concerns to management in ourCustomer Service Department who thoroughly researched this matterI also wantyou to know that customer feedback is reviewed by our senior and executivemanagement teams as part of our ongoing commitment to improving our customers’satisfactionHowever, I cannot inform you of any specific internal actionsthat may have been taken.Your beginning balance on November 5,2014, was $Two (2) transactions totaling $posted to your account,creating an ending balance of negative ($15.37)Since your checking accountbalance was not sufficient to cover one (1) of the transactions, one (1)overdraft fee of $was assessed and posted to your account the nextbusiness dayYour account remained overdrawn for the following thirteen (13)daysDuring that time, additional items posted to your account, resulting inan additional overdraft fee of $being assessed to your accountYouraccount returned to a positive balance on November 19, 2014, when a deposit wasreceived on the accountI have enclosed copies of the overdraft notices sentto you, which provide additional details regarding the transactions that postedto the account and the fees that were assessed.You also mentioned that you had inquiredabout any prior overdraft occurrences within the past five (5) yearsOuroverdraft history, which goes back twelve (12) months, shows that this was theonly overdraft occurrence during that timeIf you would like to review youraccount history beyond that time frame, you have the ability to view statementsfor the past twenty-four (24) months via Internet Banking, and you may requestany additional statements by contacting our Customer Service Department at###-###-####Our records do not currently show that you have overdraft protection for youraccountHowever we show that you had opted out for ATM (Automated TellerMachine) transactions and one-time debit card transactions on May 3, 2011. On November 17, 2014, you requested that wereturn ACH (Automated Clearing House) bill payment, and check transactions whenthere are insufficient funds in the account to cover themPlease note, feesmay be assessed for returning the ACH (Automated Clearing House) bill payment,and check transactionsOverdraft coverage in contrast to overdraft protection,allows a customer to access funds beyond the balance in their account foremergency cash needsYou have the ability to change your overdraft coverageoptions for ATM and one-time debit card transactions on your account at anytime via Internet Banking at www.53.com, by calling our automated telephoneline at ###-###-####, or by visiting one of our local financial centersFor your convenience, enclosed is areference guide titled Fifth ThirdOverdraft Solutions For Consumers that provides additional informationrelated to the overdraft fees that were assessed to your account and ways totrack your balance to help avoid overdraft fees in the futureInformationregarding overdraft protection options is also provided on the encloseddocument. Please feel free to contact medirectly at the number below should you have any questions regarding theenclosed reference guide. I would behappy to assist you.We strive to provideprofessional and accurate information to our customers, and I regret thedifficulties you have encountered regarding your accountAs a valued customer,we reversed overdraft fees totaling $between November 7, 2014, andNovember 19, As of November 22, 2014, your account has a balance of $43.50 **. Kinser, we appreciate your patience while we researched this matterYou are avalued customer, and we look forward to serving your financial needs in thefutureIf I could be of further assistance to you, please call me directly at###-###-####, or toll free at ***
*** Sincerely,***
***ConsumerResolution Specialist Officeof the President Enclosures: OverdraftNoticesOverdraftSolutions Document

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint I am severely disappointed that Fifth Third bank is still trying to mislead me as to what has happened with me accountThis is completely unacceptable as I have yet to receive a response to my complaints without at least blatant inaccuracy.My account was not backdated to SeptemberI have no idea why you are claiming it has, as both the math that I attached in the previous response, and I will attach to this response as welland your own website says that the payment was backdated to October, NOT SeptemberAt this point it seems to have passed the point of accidental misinformation and has crossed into deliberately lying and misleading meAnd in addition, you now claim I was the first one to experience this problemIn your very first response to my complaint you indicated that it was a mistake and just not communicated to me that you couldn't handle accounts longer than digitsSo you have started out lying to me and haven't stopped apparently.So if I understand what you are now saying, my payment was backdated to September, even though basic mathematics and your own website contradict you, and you suddenly discovered this all of a sudden after insisting that backdating my payment to October somehow didn't result in me paying more interest than if my payments had processed correctly starting in September.This is absurdYou have now wasted an inordinate amount of my time in your attempts to mislead me, and it is highly disturbing that this seems to be standard practice for your business.I am attaching a copy of my receipt for the *** *** payment, and the math disproving your claims of backdating the payment to September.I expect prompt reimbursement for the *** *** payment as well as an explanation as to why you are lying to me and reimbursement for the extra interest I paid due to the payment not being backdated correctly
Regards,
*** ***

Per Business: -left message 3/3, waiting on the customer to call back or bring/fax copies of DL

*** *** *** ** *** ** *** *** *** *** *** *** ** ***Date: March 12, Account: ***RE: Installment Loan ***Dear *** ***:Thank you for the letter you sent to the Revdex.com regarding your vehicle installment loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matter.As stated in my previous letter sent to you on March 2, 2015, the Bank does not have any record of receiving a letter from you on December 5, 2014, regarding payment arrangements for your vehicle installment loan ending in ***Please send a copy of the letter you referenced to the following address:Fifth Third BankOffice of the President Attn: *** *** *** *** *** *** *** *** *** ** ***Alternatively, the requested letter can be faxed to my attention at: ###-###-####.Furthermore, the Bank does not have a record of any telephone calls with you in late December regarding payment arrangementsWe are, therefore, unable to correct the correct the credit reporting regarding late payments at this time.*** ***, thank you for your patience while waiting for a responseWe truly value your business, and we look forward to continuing our banking relationship with youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely,*** ***Consumer Resolution Specialist Office of the President

*** *** *** *** *** *** ** *** Date: March 20, Account: *** Re: Escheated Escrow Surplus Check Dear *** ***: We received a copy of your additional complaint filed with the Revdex.com regarding your mortgage loan accountWe appreciate the time you have taken to submit your continued thoughts and concernsOn behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused youHowever, we stand by the response conveyed to you in our previous letter sent to the above address on March 13, Our position on this matter has not changedYou mentioned in your second (2nd) correspondence that there was no acknowledgment of the phone call you made on September 22, Unfortunately, we have no record that you contacted the Bank on this dateI apologize that we are unable to locate this callWe confirmed that you provided the requested identification documentation in person at the *** *** banking centerFinancial Center Manager *** *** attempted to contact you via telephone to confirm if you wanted to pick the check up in person or if you wanted it to be mailed*** *** did not hear back from you so, as previously advised, we mailed a check to the address listed above for the $on March 9, Please allow two (2) weeks for the mailed check to be receivedIf you have not received the check by March 23, 2015, please contact me directly using the phone number listed belowWe are able to make alternative arrangements at that time so that you can pick the check up in personWe can also mail a new check if you preferYou are a valued customer and we look forward to serving your financial needs in the futureIf I can be of any further assistance, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, *** ***Senior Consumer Resolution Specialist Office of the PresidentPc: Revdex.com Enclosure: Previous Response

March 2, *** ** *** *** *** *** *** *** ** *** Re: *** Dear *** ** ***, We received a copy of the complaint you filed with the Revdex.com regarding your credit card accountWe appreciate the time you have taken to document your thoughts and
concerns regarding this matterYour comments expressing less than quality service are very concerningOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youWe strive to provide professional and accurate service to our customers, and we regret if that has not been your experienceThe credit limit for your Standard Platinum *** ending in *** is $On January 16, 2015, a transaction in the amount of $posted to your credit cardNo merchant name was included with the item posted as 'Direct Deposit Reversal' on this dateOn January 20, 2015, an item for the same amount was posted and credited to your account as 'Payment Adjustment'On February 18, 2015, a similar situation occurred for a transaction posted to your credit card in the amount of $The next day, a credit for this amount was posted to your accountAfter further research, we determined that the attempted transactions in question were submitted via ACH (Automated Clearing House) rather than the standard method of credit card swipe or inputting your card number and expiration dateFor payments submitted through ACH, a checking or savings account number and routing number are usually enteredBased on the details noted in your complaint, you were attempting to make a car payment for your installment loan with another companySince credit card transactions are not meant to be submitted or processed via ACH, the items were rejected and returned to the originatorTherefore, we are not willing to refund any return item fees you were assessed or submit a letter to the credit bureaus on your behalf.To maintain the security of your account, I am sending this letter to the address we currently have on record for youI noticed that the return address shown in your complaint is differentAccording to our security protocols, I cannot update your mailing address based upon your correspondenceI encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updatedThe Customer Service Department can be reached at ###-###-####I can be reached at the telephone number listed below.*** ***, please be assured that it was not our intention to cause you any hardship or frustrationYou are a valued customer and we appreciate the opportunity to respond to your concernsIf I could be of further assistance, please contact me directly at ###-###-####, or toll free at ###-###-####.Sincerely,*** ***Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

February 18, 2015 *** *** *** *** ***
*** ** *** RE: Closed Checking Account *** Dear *** ***: We received a copy of your complaint filed with the Revdex.com regarding your checking accountWe appreciate the
time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. On behalf of the Bank I apologize for any inconvenience this issue may have caused youWe strive to offer our customers products and services that are convenient and beneficial while remaining competitive within the industry. We are continually working to ensure the funds from your deposits are available in a timely mannerAt the time you agreed to the Bank’s Digital Services User Agreement, which includes the terms and conditions for Mobile Deposit, you received information that explains cut-off times and the availability of funds deposited into your account. On January 30, 2015, we received the enclosed mobile check deposit of $*** on your checking account from a mobile device at 7:04PM EST (Eastern Standard Time)I have enclosed a copy of the check that you deposited for your review. According to the Bank’s Digital Services User Agreement, which you agreed to when you established access to your account online through www.53.com, any check that you attempt to deposit using Mobile Deposit is subject to verification by the BankI have enclosed the Bank’s Digital Services User Agreement for your reviewPlease refer to page four (4) paragraph two (2) for more information about Fifth Third Mobile DepositPlease also note that on page four (4) paragraph five (5), regarding the availability of funds depositedThe Bank’s Funds Availability Policy is also outlined in our Rules and Regulations, which I have enclosed for your reviewPlease refer to page four (4) for information regarding the Bank’s Funds Availability PolicyI have also enclosed the letter sent to you by the Bank on January 31, 2015, which explains why the deposit was held and when it would be made available to you. We strive to provide professional and accurate information to our customers and I regret the difficulties you have encountered regarding your accountIn the interest of customer service we are willing to reimburse you for the late fees charged by your rental company for the February paymentTo do that, we require written documentation of the late fees that have been assessed specifically for the February paymentPlease send the requested information to the following address: Fifth Third Bank Office of the President Attn: *** *** *** *** *** Mail Drop: *** Cincinnati, OH*** Alternatively, this signed documentation can be faxed to my attention at: *** *** Fifth Third Bank, Member***Equal Housing LenderFifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Ms***, thank you for your patience while waiting for a responseWe regret that you felt the need to close your account and we certainly hope you will reconsider using Fifth Third Bank for your financial needs in the futureIf I could be of further assistance to you, please contact me directly at *** *** ** *** *** ** *** *** Sincerely, *** *** Consumer Resolution Specialist Office of the President

Final Response to *** *** is attached. December 15, 2014*** ** ***
*** *** ***
*** ** ***Re: Installment Loan ***Dear Ms***,We received a copy of the complaint you submitted to the Revdex.com regarding the collection calls
youhave received for your installment loanYour feedback is very important to us as it allows us to better understandhow we can improve our service to you.On behalf of the Bank, please accept my sincere apologies for the level of service you received when you werecontacted by our Collection Department on December 2, Please be assured that Fifth Third Bank takes thesematters seriously, and we strive to provide an exceptional experience to our customersAfter receiving yourcomplaint, I forwarded your concerns to management in our Collection Department who thoroughly researched thismatter and reviewed the recording of the callI also want you to know that customer feedback is reviewed by oursenior management as part of our ongoing commitment to improving our customers’ satisfactionHowever, I cannotinform you of any specific internal actions that may have been taken.Your installment loan is considered past due for payment if we do not receive your total monthly payment by thedue date indicated on your contractThe final calendar day of your grace period for the loan is not considered thedue date for your payment obligationsThe grace period indicates when a late charge will actually be assessed toyour account for a past due paymentThere is a fifteen (15) day grace period on the account, with a late chargeassessed if the payment is not received prior to the end of the grace period.When your installment loan is past due, it is subject to collection activityThis activity may include late charges,negative reporting to the credit-reporting agencies should your account become thirty (30) days or more past due,and the account being referred to a collection agency, or our attorneys for legal actionThe Bank’s guidelines forcontacting our customers allow for telephone calls seven (7) days a week from 8:AM until 9:PM, includingholidaysOur Collection Department may make several calls each day in an effort to inform you of the past duepayment and make payment arrangementsPlease note that the Bank may make collection calls to all phonenumbers on file for an account for both borrowers, including work telephone numbers.Unfortunately, we cannot stop calls only during the grace period as you requestedIf you would like us to cease allcollection calls please send a written request to the following address:Fifth Third BankOffice of the PresidentAttn: *** *** *** ***l Drop: *** ** ***Alternatively, you may fax this request to my attention at *** *** Please be aware that if you do choose tohave the calls stopped, however, please note that the loan is still subject to other types of collection activity asindicated above.Please keep in mind that the bank also offers services to help you ensure that the payments arrive on timeYou maywant to consider enrolling in Auto BillPayer as a convenient alternative to mailing your monthly paymentAutoBillPayer will automatically transfer your monthly payment from your non-Fifth Third Bank checking account toyour installment loan at no additional chargeAuto BillPayer makes your total installment loan payment on timeeach month, preventing the added cost of a late chargeIf you are interested in enrolling in Auto BillPayer, pleasecontact Auto BillPayer at *** ***Also, if you are having trouble making your payment on the current duedate of the twenty-second (22nd), we are able to change the due date to one that may be more convenient for you.Please note that there is a $charge to change your due datePlease call customer service at *** *** formore information on changing your due date.If you are having difficulty making your payments due to a financial hardship, you may want to consider applyingfor financial assistanceFifth Third Bank has multiple options to assist our customers, including loan modifications.If you are interested in applying, you may complete the enclosed application, and send it with all requireddocumentation to the address or fax number aboveIf you have any questions, you may contact our Auto LossMitigation Department at (866) 601-6391, option Any specialist will be happy to assist you.Ms***, thank you for your patience while waiting for a responseIt is a well-known fact that no business cansurvive without its customers, and we want to assure you that we truly value your banking relationship with usIf Icould be of further assistance to you, please contact me directly at (513) 358-1813, or toll free at *** *** *** *** *** *** *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***

*** ** *** ** *** *** ** ***Date: April 20, 2015Re: Fifth Third Bank ATM at *** *** ***Dear *** ** ***:We received a copy of your
complaint recently filed with the Revdex.comWe appreciate the
time you have taken to document your thoughts
and concerns regarding this
matterPlease be assured that Fifth Third Bank takes your feedback seriously, and
I appreciate this opportunity to respond to your concerns.On behalf of the Bank, please accept my sincere
apologies for any inconvenience this matter may have caused you.We strive to provide quality service to all
of our customers, and I am sorry for your unsatisfactory experience during your
previous attempts to resolve this matterI have shared the information you
brought to our attention with the management of the Financial Center you
visitedAdditionally, our regional management regularly reviews customer
feedback as part of our ongoing commitment to improving our operations.Unfortunately, we were
unable to find any images of the transactions in question from our ATM footage
We reviewed footage from 7:39am to 7:50am and 7:39pm to 7:50pm on December 4,
2014, as well as December 3, There isn't anyone at the ATM during those
timesIf you would like to verify with your employer the dates and times of
those transactions, I would be happy to research furtherPlease note that
quality customer service and follow through are very important to us and I
apologize if we failed to meet your expectationsPlease feel free to contact
me at the number below if you ever need anything else in the future.*** ***, I understand
your frustration when this situation occurred and we appreciate your patience
while we resolved this matterYour feedback helps us to identify problems and
to improve the level of service we provide to our customersYou are a valued
customer and we look forward to serving your future financial needsIf I could
be of further assistance to you, please contact me directly at ###-###-####,
or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely,*** ***Consumer Resolution Specialist Office of the President

*** *** *** ** ***
*** ** *** ** ***
** *** ***
*** *** ** ***Date: March 11, Account: ***Re: Checking account feeDear *** ** ***:We received a copy of the complaint sent to the Bank on your behalf from the Revdex.com regarding your
checking accountWe appreciate the opportunity to respond to this matter.On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your checking accountIt was certainly not our intention to cause you any hardshipWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsI 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.I apologize you did not receive a call from our Disputes Department ManagerI did verify that a payment did clear your account to ***, but was unable to determine why the first payment was returnedI apologize for the experience you have encountered regarding this matterIn the interest of customer service, I have credited your checking account in the amount of $($for the fee you were assessed and $for the fee to fax the paperwork to us.)Thank you for your patience while we researched this matter for youWe truly value your business, and we look forward to continuing our banking relationship with youIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at *** ***.?Sincerely,*** ***Consumer Resolution Specialist Office of the President

February 18, 2015 *** *** *** *** ***
*** ** *** Re: Mortgage Loan*** Dear *** ***, We received a copy of the rebuttal complaint you filed with the Revdex.com regarding the sewer taxes paid from the escrow account associated with your mortgage loanWe appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. I am sorry if my prior response letter did not address all of your outstanding concernsWe strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. *** (*** *** *** *** *** establishes escrow guidelines for mortgage loans that we are required to follow; including guidelines for payment of delinquent tax or insurance obligations for the secured collateral/propertyAdditional details are provided on page 4, item number of the enclosed recorded mortgage agreement for your accountIf this situation occurs, the delinquent obligation costs will be added to your escrow account and the necessary documentation will be sent to you by mail. In December 2013, the Bank was made aware of delinquent sewer assessments totaling $*** that were due for your propertyAs a result, payments for the delinquent assessments were disbursed from your escrow account to *** *** to satisfy the amount dueHowever, if the assessments in question are discharged or refunded by the county and you provide documentation confirming this, we are willing to credit the amount specified back to your escrow account. We believe that all of your concerns have been addressed at this time and no further correspondence will be sent to you regarding this matterThe response letters sent previously regarding this issue on November 26, 2014, and February 4, are included for your reference. Ms***, please be assured that it was not our intention to cause you any hardship or frustrationYou are a valued customer and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please contact me directly at *** *** ** *** *** ** *** ***. Sincerely, *** *** Consumer Resolution Specialist Office of the President Enclosure(s): Recorded mortgage, previous responses Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID***, and have determined that this does NOT resolve my complaint. For your reference, I have attached the letter I received stating that no fees will be reversed on my account, despite my complaint
I am extremely unhappy about the answer to my complaint, I do NOT feel anything has been resolved, and I stand by the letter I wrote containing my complaints It is SHAMEFUL that a bank won't take any other issues into consideration, and won't consider a case on its individual and unique merit, when making a decision like this one Instead, there will be no wavering from the set-in-stone guidelines obviously put in place to collect money to line the bank's pockets $*** per transaction is unbelievably over-inflated As a result, a hard-working family is out $***+, which went straight into Big Bank's purse
HOWEVER, it appears as though Fifth Third Bank has no intention of reconsidering this and will continue to take advantage of its customers' precarious financial situations in the future I truly and honestly feel that I am in the right here, but I am intelligent enough to see that - after now being in conversation via phone, in person, and via letter/email with EIGHT different Fifth Third representatives - that I would be banging my head against the proverbial wall to continue this I have determined that it is not worth the time, effort, frustration, and aggravation on my part to pursue this any further
Please forward my response to Fifth Third's Office of the President
Regards,
*** ***