Fifth Third Bank

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,*** *** What I don't understand is how the money is taken from my credit union account the next day and it takes days to show up in my 5/checking account(days from the request). I understand this isn't a lot of money but if you do this to hundreds of people it adds up to quite a large sum. I see this as floating short term sums of money to benefit the business at the consumers expense. I feel when the money is taken from one account it should be available in the other account that same day as to the financial system taking the money knows the funds have cleared. Attached is a copy of each transaction from both banks

Please find attached a copy
of the letter being mailed to the customer todayThank you. December 22, 2014*** ** *** *** *** ***
*** ** ***
*** *** *** *** *** ***We received a copy of the complaint you filed through the RevDex.com dated December 6, 2014, concerning your installment loan accountWe appreciate the time you have taken to express 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 experienceCustomer 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 customersPlease be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns.RESPA (Real Estate Settlement Procedures Act) establishes escrow guidelines for mortgage loans beforehand that we are required to follow including an annual analysis of your mortgage escrowDuring that time, we will attempt to estimate any tax and insurance payments for the upcoming yearWe may determine the escrow has a shortage of funds to cover any upcoming scheduled tax or insurance paymentsOur records reflect that a total of $10,was due for real estate taxes on your property for the year of This amount included $1,in property taxes and $9,for delinquent water and sewer chargesIf you disagree with the tax amount that is due, please contact your local tax office as these amounts were added to your tax bill at their directionBecause this situation occurred, we will offer you payment options in order to satisfy the necessary escrow obligations including a payment for the total shortage amount by the due date indicated or the shortage will be collected for the following months as part of your overall monthly mortgage paymentEach time an escrow analysis is performed, an escrow notice will be sent to you detailing the results of our findingsIf you disagree with the tax amount that is due, please contact your local tax office as these amounts were added to your taxOn October 24, 2014, an escrow notice detailing the results of our tax disbursement and findings were sent to the above address that indicated a shortage totaling $9,This notice also presented payment options in order to satisfy your escrow shortage obligationsIf we did not receive the total shortage by the due date indicated of November 15, 2014, the shortage would have been divided into twelve (12) monthly payments increasing from $to $1,093.67effective December 1, I have also enclosed a copy of this notice for your reviewI understand your frustration when this situation occurred, but tax and insurance payments are subject to change depending on the property and county involvedPlease note, that in order to assist you, we can spread the payments over a thirty-six (36) month periodYour December payment of $1,was posted to the account on December 5, and it is my understanding that you have requested that we spread the balance of the shortage over the remaining thirty-five (35) monthsTherefore, the new monthly payment will be $effective January 1, 2014.I can assure you that it was not our intention to cause you any frustration or hardshipOn behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused youIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####.Sincerely, *** *** *** *** *** ** *** ***Pc: Revdex.com

[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 I appreciate them making this right and refunding my money
The banker who initially enrolled me in the checking account said it was freeIf Fifth third bank does not offer free checking then they need to re-train the employees at the *** *** location in *** ***I also wish they will talk to the bank manager *** at the*** location about customer service.
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
I am not impressed with the company sending me a signed contract agreement that I was attempting to resolve with the assistance of my attorneyI am truly dissatisfied with the responseI have a copy of what I signed and I am well aware of the conditions of a signed agreementBut, that does NOT give any customer service representative the right to deny me my right to speak
a member of management
*** ***

January 21, 2015 *** *** *** *** ***
*** ** *** Re: Essential Checking Account *** Dear *** ***: We received a copy of the complaint you submitted to the Revdex.com regarding your checking account. We appreciate
the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Fifth Third Bank processes transactions at the end of each business dayThis does not include Saturdays, Sundays, and Federal HolidaysTransactions are posted in the following order: Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability Policy. Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are received. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. Fees and service charges in the order of the largest amount to the smallest amount. I have enclosed a copy of our current Rules and Regulations for your reviewPage (12) provides additional information regarding our overdraft calculation order. On January 12, 2015, the beginning balance in your Essential Checking account ending in *** was positive $***. Six (6) items, including (1) credit of $***, and five (5) debits totaling $*** posted to your accountThese items were posted to your account in the following order: Mobile Check Deposit of $*** Debit card purchase of $*** Debit card purchase of $*** Merchant payment of $*** Web initiated payment of $*** Web initiated payment of $*** Of the $*** deposited on January 12, 2013, only $*** was immediately available pursuant to Fifth Third’s funds availability policyFunds from ATM deposits or non-Fifth Third check are typically available one business day after depositI have enclosed a copy of Fifth Third’s funds availability policy for your reviewI have also enclosed a copy of the overdraft notice sent to you on January 13, Your ending balance was *** ($***)Due to insufficient funds for the one (1) merchant payment and two (2) web initiated payments, three (3) overdraft fees totaling $*** were assessed and posted to your account the following business day. Fifth Third Bank, Member ***Equal Housing LenderFifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp On January 15, 2015, the beginning balance in your Essential Checking account was positive $***Six (6) items, including one (1) credit of $***, and five (5) debits totaling $*** posted to your accountThese items were posted to your account in the following order: Deposit of $*** Debit card purchase $*** Debit card purchase $*** Debit card purchase $*** Debit card purchase $*** Web initiated payment $*** I have enclosed a copy of the overdraft notice sent to you on January 16, 2015, for your reviewYour ending balance was *** ($***)Due to insufficient funds for the two (2) debit card purchases and one (1) web initiated payment, three (3) overdraft fees totaling $*** were assessed and posted to your account the following business day. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides additional information related to the overdraft fees that were assessed to your account, and ways to track your balance to help avoid overdraft fees in the futureInformation regarding overdraft coverage options is also provided on the enclosed documentPlease feel free to contact me at the number below should you have any questions regarding the enclosed reference guideI would be happy to assist you. It was certainly not our intention to cause you any frustrationI apologize for any inconvenience this matter may have caused youHowever, in the interest of customer service, we have credited back $*** in overdraft fees as a courtesy. Thank you for your patience while we researched this matter for youYou 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, toll free at *** ***. Sincerely, *** *** Senior Consumer Resolution Specialist Office of the President

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,
*** ***
Please see attached

Attached is the Bank's response to the customer's complaint.We received a copy of your complaint filed with the Revdex.comregarding your checking accountWe appreciate the time you have taken toexpress your thoughts and concernsOn behalf of the Bank, please accept mysincere
apologies for any frustration you experienced regarding this matter.On January 7, 2015, an Automated Clearing House (ACH) transaction of $wassubmitted to the Bank by *** ** ** *** The beginning balance in yourchecking account that day was negative ($14.58)Because there wereinsufficient funds to cover the transaction, we returned the item as unpaid andassessed a $returned item feeThe overdraft notice that was sent to youon January 8, 2015, is enclosed for your referenceThe balance in yourchecking account on January 8, 2015, was negative ($51.58)The $balanceowed was charged off and the account was closed on January 8, 2015.Please note that your account had been negative sinceNovember 13, The beginning balance in your checking account on November13, 2014, was $However, an $monthly service charge for your FifthThird Basic checking account processed that day, resulting in an ending balanceof negative ($3.58)On December 12, 2014, an $monthly service charge foryour checking account processed, resulting in an ending balance that day ofnegative ($14.58)While Fifth Third Bank does not charge overdraft fees formonthly service charges, the account will be closed after the account balancehas remained negative for fifty-five (55) consecutive daysOn January 8, 2015,the account had been negative for fifty-six (56) consecutive days and as aresult, the account was charged off, sent to ***, and sold to ***
*** for collection*** *** can be reached at *** ***.You advised in your correspondence that the $transaction was unauthorizedWeconfirmed that you contacted the Bank on January 10, 2015, and explained thetransaction was not validHowever, you were directed in error to contact*** *** because we were unable to assistPlease be assured that youare able to dispute the transactionHowever, we need to speak with youdirectly so that we can verify information pertaining to the dispute and haveyour voiced authorization to return the transactionPlease contact our DisputeResolution Department directly at *** *** so we can complete these nextstepsThe Dispute Resolution Department is available to assist you Mondaythrough Friday from 7:a.mto 8:p.mEastern Standard Time (EST) and onSaturday from 8:a.mto 5:p.mEST.Fifth Third Bank, Member FDIC. Equal Housing LenderFifth Third andFifth Third Bank are registeredservice marks of Fifth Third BancorpIf the dispute is approved, the $will be returned and you will have the ability to pay the$that was owed on the account prior to the unauthorized transactionhaving been processedOnce the $is paid, we can recall the charge-offand reopen your checking account as wellHowever, if the dispute is denied,the transaction will remain and you will be responsible for repaying the full$owed.For your convenience, enclosed is a reference guide titled Fifth Third OverdraftSolutions that provides additional information related to the overdraft feesthat were assessed to your accountPlease feel free to contact me directly atthe phone number below should you have any questions regarding the enclosedreference guideI would be happy to assist youAlso enclosed is a copy of theRules and Regulations Applicable to All Fifth Third Consumer and BusinessBanking Accounts and CardsPages four (4) and twenty-one (21) of the Rules andRegulations provide information regarding error resolution for unauthorizedtransactions.We appreciateyour patience while we researched this matter and we value your businessIf Ican be of any further assistance, please contact me at *** ***, or tollfree at *** ***

*** *** ***
*** *** *** *** ** ***
Re: Installment loan xxxxxx***
Dear Ms***,
We received a copy of your complaint filed with the Revdex.com
regarding your installment loan accountWe appreciate the time you have
taken
to express your thoughts and concernsPlease be advised that the information
contained in this correspondence is in response to your request and is not an
attempt to collect a debt
Your comments regarding less than quality service are very concerningPlease be
assured that this matter has been forwarded to the appropriate personnel for
reviewOn behalf of the Bank, please accept my sincerest apologies for the
difficulties and frustration you experienced while speaking to representatives
in our Collection DepartmentWe strive to provide accurate and professional
service, and I regret that was not your experience
On March 22, 2008, you agreed to a *** (**)
month vehicle installment loan in the amount of $*** with a fixed
interest rate of eight point seven four zero percent (***%)For your
convenience, I have enclosed a copy of the Promissory Note for this loanPer
the loan terms as provided in the Note, the installment loan was to originally
mature on June 21, However, on May 13, 2011, you agreed to a delinquency
extensionA delinquency extension takes a past due payment and moves it to the
end of your loan, which also changes the maturity date for the loanFor this
reason, your maturity date was updated to July 21, Please note that your
loan is a simple interest loan, and interest accrues daily on unpaid principle
If you do not make your scheduled payments by the due date each month, then the
interest expense related to your loan increases and affects your total amount
dueAdditionally, late payment fees that are assessed for making payments
after the end of your *** (**) day grace period are added to the balance
owedDue to the late payments made on this loan account, your installment loan
accrued extra fees and finance charges resulting in a remaining balance owed
after the loan matured on July 21,
Our records indicate that you spoke to *** in our
Collection Department on July 22, During that conversation, a Collection
Supervisor reviewed your account and advised that we would be able to establish
a payment plan for youThe plan would allow you to pay the remaining balance
owed at that time in *** (*) installments*** provided you with this
information, but you declined this payment option
On August 4, 2014, you spoke to our Borrower’s Assistance DepartmentYou were
advised at that time of a payment plan that would give you until November 21,
2014, to repay the remaining amount owedHowever, because late payment charge
was going to be assessed to the account on August 5, 2014, needed
to wait until that fee was assessed before we could establish your payment
planThis is also the reason that *** was unable to provide a payoff quote
to you on August 22, For this reason, we advised you to call Borrower’s
Assistance on August 6, Please note that the amount of the late payment
fee that was assessed to the account on August 5, 2014, was $***
We contacted you back on August 6, 2014, in order to obtain your checking account
information so we could set up the Automated Clearing House (ACH) payments for
your payment planWhile speaking to you, the call was disconnectedYou called
us back and explained that you were in the process of filing ***
Unfortunately, once we are notified that a customer is filing ***, we
are no longer permitted to discuss payment arrangements per *** Law
When a *** is being processed, we are only able to discuss the full
payoff for the account because the Bank is no longer allowed to attempt to
collect the debtWhile I understand that your attorney advised you to contact
the Bank regarding a payment plan, I have confirmed that we are no longer able
to discuss or offer a payment plan per the information you provided stating
that you are filing ***I regret any distress or frustration this
matter has caused youIf you decide to not pursue ***, we will be able
to again discuss any repayment options at that time upon receipt of the
relevant documentationIf you would like additional information about how the
*** filing will affect your loan, please contact our ***
Department at *** ***Representatives are available to assist you
Monday through Friday from 8:a.mto 5:p.mEastern Standard Time (EST)
For your reference, the phone number to our Borrower’s Assistance Department is
*** ***, option number four (4)Representatives in Borrower’s
Assistance are available to speak with you Monday through Thursday from 8:
a.mto 9:p.mand Friday through Sunday from 8:a.mto 5:p.mEST
Ms*** I apologize that we are not able to move forward with the previously discussed
repayment planWe appreciate your patience while we researched this matter and
we value your businessIf I can be of any further assistance, please contact
me at *** ***, or toll free at *** ***
Sincerely,
*** ***
Consumer Resolution Specialist Office of the President
Pc: Revdex.com Enclosure: Loan Note

*** *** *** *** *** *** ** ***Date:
April 8, 2015Re: Bill Pay AlertsDear *** ***:We received a copy of the
complaint you recently filed with the Revdex.comWe 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 youPlease be assured we have researched this matter fully, and passed
on your concerns to the relevant parties within the BankI 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 indicate that your ***
Checking account was closed on November 7, Typically, when you close the
account that is associated with Fifth Third Online Bill Pay, your online Bill
Pay profile will also be closed at that timeDue to an error at the Bank which
has now been remedied, this did not occurThe online system did not receive
notification that your associated Bill Pay account had been closed, which is
why you continued to receive email notifications regarding any bills that you
had set up to be paid using the Bank's Bill Pay systemWe regret any
frustration this may have caused youPlease be assured that you should no
longer receive Bill Pay notices from Fifth Third BankIf you do, please
contact me immediately at ###-###-#### and I will get it resolved for you as
quickly as possible. *** *** thank you for your patience while we researched this matter for you
You have been a valued customer, and we certainly hope you will consider using
Fifth Third Bank for your financial needs in the futureIf 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

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
January 21, 20** Dear Revdex.com/Fifth Third Bank: I reject Fifth Third Banks “resolution” to the problemOnce again , here is my original complaint: “In early Nov 2014, I applied for credit card wtih 5/bankI filled in that I wanted to use it for balance transfers (since they had a 0% offer)My card arrived around the second week in DecemberDec I called and spoke to ***Inquired re: how long 0%apr lasted and whether the transfer had gone through yetWas told no had not so said can I do it now on phone? She said yes took the info for transfers to *** *** for $*** plus $** fee total $*** chargeAlso $*** to *** ** *** x*** for $*** plus $*** fees total charge $*** had to get supervisor to process it since was over $***Waited on hold almost an hour then said supervisor would call me*** *** called few hours later I went over info with her again and told her *** said she also emailed her the amounts/account info*** *** said would take 7-bus days but is usually quicker.On Dec my card was declined when grocery shopping and I was surprisedCalled the 5/auto line said my credit was -$**, which was impossible since my credit line was $***I feared my number had been stolen called the stolen card line spoke with Heidi*** amount came up as $***, rather than $***She said was keyed in as a bank error and Supervisor *** would rectify and call me backI did not hear from ***.I called back after the weekend was told by ?that needed to get the money back from *** since they already accepted it*** said needs to be done by 5/since was their errorI agree with ***!12/spoke with Supervisor at 5/ThomasSaid would not credit the $*** back to my account but would waive the transfer fees totaling $***5/bank make an error and authorized *** instead of *** to ***I DO NOT HAVE $*** EXTRA DOLLARS THIS WAS 5/ERROR!!! I want this *** credited back to my accountI authorize 5/to request the $*** back from *** that they overpaid them.” *** ***’s letter of response is correct ONLY in that yes, I did apply for the card Novwith those amounts for transfers initiallyHOWEVER, on DecI called and spoke with *** (see above)I asked had the transfer gone through yet, she said no so I said can I do it now and gave her the corrected amountsShe told me she emailed the amounts to her supervisor, *** *** (again, see above!). Clearly the corrected amounts were not applies, even after I spoke with both *** and *** *** on DecA few days later, Fifth Third processed *** for $***, when it should have only been $***BANK ERROR/NEGLIGENCEI DID NOT APPROVE $*** TRANSFER, I APPROVED $*** I accept the waiving of the fees AS A FIRST STEP ONLY IN ACKNOWLEDGEMENT OF MY REPEATED INCONVENIENCE IN THIS MATTERI STILL DEMAND THE $*** CREDITED BACK TO MY ACCOUNT FOR THE ERROR OF $*** GOING TO ***, RATHER THAN $*** AS SPECIFIED I have spent countless hours hassling with this issue and want it resolved per my specifications, immediately, pleaseThis has dragged on much too long and taken too much of my time and aggravation, when it was clearly a Fifth Third error Thank you for your prompt correction of this issue Sincerely, *** ***
Regards,
*** ***

December 24, 2014*** ** ***
*** *** *** ***
*** ** ***Re: Essential Checking Account ***Dear *** ** ***:Thank you for the letter you sent to the Revdex.com regarding your checking accountWe appreciate the time you have taken to document your thoughts
and concerns regarding this matter.Your comments expressing less than quality customer service are very concerningWe strive to provide accurate and professional services to our customersOn behalf of the Bank, please accept my sincere apologies for the difficulties you have experiencedIt was certainly not our intention to cause you any hardshipPlease be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received at the Country Club Hills Banking CenterI also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers' satisfaction.Fifth Third Bank takes comments of unprofessional and unethical conduct very seriouslyWe have conducted an investigation of your claims but were not able to find any misconduct was involvedWe are not able to provide any additional information to you concerning our investigation.On December 4, 2014, the beginning balance in your Essential Checking account ending *** was $On December 5, 2014, two (2) deposits totaling $posted to your accountOn that same day six (6) items posted to your account totaling $Your ending balance was negative ($0.23)Due to insufficient funds in your checking account, three (3) overdraft fees were assessed totaling $111.00, which posted to your account the following dayOne (1) item was returned to your accountOne (1) returned item fee totaling $posted to your account the following dayI have attached the Overdraft Notice dated December 8, 2014, for your review.On December 5, 2014, the beginning balance in your account was negative ($0.23)On December 8, 2014, four (4) items posted to your account totaling $Ten (10) items were credited to your account totaling $The ending balance in your account was positive $622.27.Due to the error processing your deposit on December 5, 2014, seven (7) fees were reversed on your account totaling $On December 16, 2014, a credit of $issued by the Bank posted your accountAll of this information can be reviewed on your bank account statement which I have attached for your review.*** *** thank you for your patience while waiting for a responseIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####.Sincerely,*** ***Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

*** *** *** ** *** *** *** *** ** ***Date: April 30, Account: ***Re: Checking AccountDear *** *** ***:We received a copy of your complaint filed with the Revdex.com regarding your Fifth Third Bank checking accountWe appreciate the time you have taken to
document your thoughts and concerns regarding this matterWe value your relationship with Fifth Third Bank and appreciate the opportunity to respond to this matterYour comments expressing less than quality service are very concerning and I regret the difficulties you have encountered regarding your account.On June 21, 2013, you opened your Essential Checking account at the *** Banking CenterAt that time, you received information that explains the services and fees associated with the account, such as overdraft calculation order and overdraft feesI have enclosed a copy of our Rules & Regulations handbook that you received and agreed to when signing a signature card to open the accountOur method for posting transactions to your account is fully disclosed in our Rules & Regulations handbook on page The Bank will first post all deposits made prior to the end of day cutoff timeThe Bank will then post ATM and debit card purchases in the order in which the transactions took placeFinally, the Bank will post all other debits, including checks, electronic bill payments and fees in the order of highest amount to lowest amount.If your available balance in your checking account is not sufficient to cover items that post to your account, the posted items may be returned unpaid and subject to overdraft feesThe per item overdraft fee is based on the number of occurrences in the last twelve (12) monthsFor the first occurrence, you will be charged $per itemFor any additional occurrence, the charge is $per itemShould the account become overdrawn, we send an overdraft notice via standard mail to inform you of the occurrence, which includes a detailed breakdown of the day's transactions.To prevent an overdraft situation, you have the ability to review your account at an ATM (Automated Teller Machine), on our website at www.53.com, or by calling our Customer Service Department at ###-###-####Additionally, a free account alert can be sent to four (4) e-mail addresses and one (1) mobile device when your account balance falls below an amount that you specifyThese alerts can be setup through our Internet Banking at www.53.com.Beginning on April 21, 2015, your checking account balance was $1,Seven (7) items totaling $1,posted to your accountYour ending account balance was negative ($168.33)The order in which these transactions posted to your account are listed on the enclosed overdraft noticeThe two (2) ATM transactions posted firstYou had three (3) checks and two (2) electronic payments also post to your account in the order of the largest amount to the smallest amountTherefore, your account was charged four (4) overdraft fees of $each on the next business dayAs of today, April 29, 2015, your checking account balance is negative ($99.33)Please make a deposit to your checking account as soon as possible to bring the account to a positive balance.It is important to ensure that your account has enough funds to cover all of the transactions that you have authorizedAs a valued customer, we have reversed a total of $in overdraft fees on your account within the past twelve (12) months as a courtesyTherefore, we are unwilling to waive any additional overdraft fees on your checking account, as you have requested.For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions. This guide provides additional information related to the overdraft fees that we assessed to your accountWe also offer ways to track your balance and manage your account to help avoid overdraft fees on your account in the future.Thank you for your patience while waiting for a responseYou are a valued customer and we sincerely hope that you will continue using Fifth Third Bank for your financial needs in the futureIf I can be of further assistance to you, please contact me at ###-###-####, or toll free at ###-###-####.Sincerely,*** ***Consumer Resolution SpecialistOffice of the PresidentPC: Revdex.comEnclosure: Rules & Regulations Handbook, Overdraft Notice, Fifth Third Overdraft Solutions

November 5, *** *** ** *** *** ** ***Re: Checking Account***Dear Ms***,We received a copy of your complaint filed with the Revdex.com, concerning your Fifth Third Bank accountWe appreciate the time you have taken to express your concerns and
for bringing this matter to our attentionOur records confirm that a cash withdrawal of $*** was completed on October 24, After the teller assisted you with your cash withdrawal, she assisted the next customer with a depositThis deposit was temporarily credited to your checking account ending in *** in errorAs a result, the balance in your checking account appeared to be $*** more than the actual balance in the accountThe system recognized the error and the system automatically updated the account with the correct balance the following dayWe strive to ensure that we properly process transactions at our *** Centers, and we regret that the teller did not immediately identify the errorOn behalf of the bank, we would like to offer our sincere apologies for any inconvenience or frustration this error might have caused youAdditionally, we have shared your experience with our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction.Please be assured that you have not been assessed any overdraft fees due to this errorAlthough we sympathize with the difficulties you encountered with your account, we believe your issue was resolved accordinglyTherefore, we are not willing to offer you any compensation or credit your account as you have requestedIn your complaint you also mentioned that the *** *** Center informed you that your account would be closedIt is our understanding that you requested to have your account closed, when you discussed the deposit error with the *** *** CenterThe *** *** Center contacted you in order to follow through with your request to close the accountAs of November 5, 2014, your checking account ending in *** remains open.It was not our intention to cause you any hardship and we regret you have considered closing your accountWe sincerely hope you will reconsider this decision, and remain a customer of the Bank.Ms***, it is a well known fact that no business can survive without its customers and we want to ensure you that we truly valued your banking relationship with usWe sincerely hope you will continue to use Fifth Third Bank for your future *** needsIf I could be of further assistance to you please call me directly at *** *** ** *** *** ** *** ***Sincerely,*** Consumer Resolution Specialist Office of the President

*** ***
*** *** *** ***
*** *** ** ***
Re: Checking Account ***
Credit Card Account ***
Dear Ms***,
We received a copy of your complaint filed with the Revdex.com regarding your credit
card.
We appreciate the time you have taken to document your thoughts and concerns regarding this matter.
Your comments expressing less than quality service are very concerning and have been addressed and
forwarded to the appropriate personnelOn behalf of the Bank, I apologize for any inconvenience this issue
may have caused youWhen a customer contacts the Bank, we expect each situation will be handled in a
professional mannerI apologize that this was not what happened when you initially contacted us and we
expect that this will not be the case in the future.
We were able to further research your concerns regarding the closure of the above referenced checking
and credit card accountsOur research determined that your checking account was closed on February 27,
2014, with a zero balanceHowever, your credit card was not closed until it was revoked by the Bank on
April 4, Although the credit card was active during this timeframe, no transactions were authorized
with the cardIf the card was closed on February 27, 2014, monthly statements would still have been
generated as if the card was open until the entirety of the balance due was satisfiedAs a customer service
gesture, we were able to waive one (1) of the late fees you were assessed in the amount of $***You
will see this reversal on your next monthly statement.
We have been able to confirm that monthly statements have been generated and mailed to the address the
Bank had on file each monthOur records indicate that your address was updated to the address above on
October 20, For your reference, I have enclosed copies of your statements for the previous twenty
four (24) monthsIf you require additional statements, please contact me directly at the telephone number
belowI would be happy to provide you with additional statements.
Please note that your credit card was linked to your checking account as overdraft protectionIf your
available balance in your checking account was not sufficient to cover items that posted to your account,
funds were transferred from your credit card to your checking account the next business day to cover the
negative balance in fullEach time an overdraft occurs in your checking account, the Bank generates and
mails an overdraft notice to your address on fileThis overdraft notice is also made available for viewing
in your Internet bankingAfter reviewing the balance on the card, we have confirmed that the entire
balance of the card was used for overdraft protectionFor your reference, I have enclosed copies of the
overdraft notices that were sent to you in and We apologize for any confusion this may have
caused you.
We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience
this may have caused youIf I could be of further assistance to you, please contact me directly at (*** ***
*** ** *** *** ** *** ***
Sincerely,
*** ***
Executive Support Specialist
Office of the President
Pc: Revdex.com
Enclosures: Statements (24), Overdraft Notices (11)

Hello, I indicated 5/3's response to my complaint was rejectedThe reason for this is that frankly I found their response to be insultingThey insinuated that I was lying or somehow over reactingTheir letter stated that I used my "debit card" on the ninth, and that is at best, a half truthI did try to use it at an ATM because the customer service person I spoke to told me I could use it, even though it was expiredThe ATM kept that card because it was expired, stating security reasonsThe fact is I did not have access to my account until the 19th!!! Ten days shy of an entire monthThey don't seem to care that I was lied to by at least different employees and severely inconveniencedI had several auto debits that did not go through that month, as well as having to use credit cards for food and gasTheir response was a big "So what"....and that is unacceptableThey need to be held accountable for this. Thank you, *** ***

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,
*** ***
Why was the title commitment not requested from me when my lien release request was denied? This delayed the process by almost one month and several phone calls to Fifth Third Bank, only one customer service rep knew why the lien release request was deniedI want to give a big thank you to *** who gave me the needed info to keep the process rollingI had no idea where or how to get the title commitment and had to call the refinancing bank to get that needed infoI am upset that you refer to this as one situation when it was two months of situations. I am happy to have this resolved and the closing did take place almost two months from the closing of the accountThere is no way to put a value on the stress that this caused not only me but the loan officer at the refinancing bank, *** at the title company and the county register of deeds who all had to keep on top of this for so longMy only suggestion is that you train your customer service reps to handle all aspects of any given situation and to make sure they don't get belligerent when a customer gets upset when the only way to get help (account security questions) is to have the original date of the loan on handThat was 9 years ago, why would I have that info in front of meI was told by the rep to find the info and call backI asked him to ask me any other security questions that I was sure I could answer and I was told if I don't have the original date he can't help meI hung up frustrated!
*** ***

This is ou* *esponse to the compliant by ***. Additionally we sent to him a copy of the *ules and *egulations f*om Fifth Thi*d Bank as well as two addition ove*d*aft lette*s, one dated 1/27/15, the othe* dated 1/29/15.Feb*ua*y 12, 2015 *** ** *** *** ***
*** *** ** *** *e: Essential Checking Account ***Dea* *** ***: We *eceived a copy of the complaint you submitted to the Bette* Business Bu*eau *ega*ding you* checking account. We app*eciate the time you have taken to document you* thoughts and conce*ns *ega*ding this matte*On behalf of the Bank, please accept my since*e apologies fo* any inconvenience this matte* may have caused you. Fifth Thi*d Bank p*ocesses t*ansactions at the end of each business dayThis does not include Satu*days, Sundays, and Fede*al HolidaysT*ansactions a*e posted in the following o*de*: C*edits and deposits made p*io* to the end of the cut-off time as detailed in ou* Funds Availability Policy. Time-stamped debits, such as ATM withd*awals and debit ca*d pu*chases, in the o*de* in which they a*e *eceived. All othe* debits including checks, and elect*onic bill payments, in the o*de* of la*gest amount to smallest amount. Fees and se*vice cha*ges in the o*de* of the la*gest amount to the smallest amount. I have enclosed a copy of ou* cu**ent *ules and *egulations fo* you* *eviewPage (12) p*ovides additional info*mation *ega*ding ou* ove*d*aft calculation o*de*. On Janua*y 26, 2015, the beginning balance in you* Essential Checking account ending in *** was positive $***Eleven (11) items, including one (1) c*edit of $***, and ten (10) debits totaling $*** posted to you* accountThese items we*e posted to you* account in the following o*de*: Ea*ly Access advance of $*** *ecu**ing debit ca*d pu*chase of $*** *** payment of $*** *** t*ansfe* of $*** *** payment of $*** *** payment of $*** *** payment of $*** *** payment of $*** payment of $*** *** payment of $*** *** payment of $*** I have enclosed a copy of the ove*d*aft notice sent to you on Janua*y 27, 2015, fo* you* *eviewYou* ending balance was negative ($***)Due to insufficient funds fo* two (2) of the *** payments, two (2) ove*d*aft fees totaling $*** we*e assessed and posted to you* account the following business dayPlease note that because the *** payments a*e not time-stamped debits, they we*e posted to you* account f*om the la*gest amount to the smallest amount as detailed in ou* *ules and *egulationsOn Janua*y 27, 2015, an Ea*ly Access advance of $*** and a deposit of $*** posted to you* account, b*inging you* account to a positive balance. Fifth Thi*d Bank, Membe* FDICEqual Housing Lende*Fifth Thi*d and Fifth Thi*d Bank a*e *egiste*ed se*vice ma*ks of Fifth Thi*d Banco*p. On Janua*y 28, 2015, the beginning balance in you* checking account was positive $***Six (6) debits totaling $*** posted to you* accountThese items we*e posted to you* account in the following o*de*: Bill payment of $*** Online bill payment of $*** *** payment of $*** *** payment of $*** *** payment of $*** *** payment of $*** I have enclosed a copy of the ove*d*aft notice sent to you on Janua*y 29, 2015, fo* you* *eviewYou* ending balance was negative ($***)Due to insufficient funds fo* all six (6) items, ove*d*aft fees totaling $*** we*e assessed and posted to you* account the following business dayPlease note that because none of these items we*e time-stamped debits, they we*e also posted f*om the la*gest amount to the smallest amountOn Janua*y 29, 2015, a di*ect deposit of $*** posted to you* account, b*inging you* account to a positive balance. On Feb*ua*y 2, 2015, the beginning balance in you* checking account was positive $***One (1) c*edit of $***, and fou* (4) debits totaling $*** posted to you* accountThese items we*e posted to you* account in the following o*de*: Ea*ly Access advance of $*** Elect*onic check of $*** *** payment of $*** *** payment of $*** *** payment of $*** I have enclosed a copy of the ove*d*aft notice sent to you on Feb*ua*y 3, 2015, fo* you* *eviewYou* ending balance was negative ($***)Due to insufficient funds fo* the th*ee (3) *** payments, ove*d*aft fees totaling $*** we*e assessed and posted to you* account the following dayPlease note again that because none of these items we*e time-stamped debits, they we*e also posted f*om the la*gest amount to the smallest amount. On Feb*ua*y 5, 2015, the beginning balance in you* checking account was negative ($***)One (1) c*edit of $*** and one (1) debit of $*** posted to you* accountThese items we*e posted to you* account in the following o*de*: Ove*d*aft fee *eve*sal of $*** *** payment of $*** I have enclosed a copy of the ove*d*aft notice sent to you on Feb*ua*y 6, 2015, fo* you* *eviewYou* ending balance was negative ($***)Due to insufficient funds fo* the *** payment, one (1) ove*d*aft fee of $***was assessed and posted to you* account the following business dayAs of Feb*ua*y 10, 2015, you* account *emains ove*d*awn with a balance of negative ($***)Please visit any local Fifth Thi*d Bank banking cente* to make a**angements to b*ing you* account to a positive balance. You stated in you* complaint that you have been utilizing *** because you* debit ca*d was kept by the F*anklin Banking Cente*It is ou* unde*standing that you* debit ca*d was kept by the Banking Cente* when a thi*d (3*d) pa*ty who is not on you* account b*ought it into the Banking Cente* in an attempt to obtain info*mation about you* accountIt is also ou* unde*standing that the Banking Cente* info*med you that they would *etu*n the ca*d to you, but you did not visit the Banking Cente* to obtain the ca*dOu* *eco*ds show that you* debit ca*d ending in *** is cu**ently active and the most *ecent pu*chase posted on Janua*y 26, Howeve*, it appea*s that the debit ca*d pu*chases that have posted to you* account a*e *ecu**ing pu*chasesIf you need a *eplacement ca*d so that you no may longe* *ely on *** to make pu*chases, please contact custome* se*vice at (800) 972-Any agent will be happy to assist you. Fifth Thi*d Bank, Membe* FDICEqual Housing Lende*Fifth Thi*d and Fifth Thi*d Bank a*e *egiste*ed se*vice ma*ks of Fifth Thi*d Banco*p. You also mentioned you* Ea*ly Access accountEa*ly Access allows eligible and en*olled custome*s to bo**ow funds in advance f*om thei* next di*ect deposit on thei* checking account with a t*ansaction fee of $*** fo* eve*y $*** advanced to you* checking accountPlease note that Ea*ly Access is designed to help ou* custome*s meet thei* sho*t-te*m bo**owing needsIt is not intended to p*ovide a solution fo* longe*-te*m financial needsWe offe* othe* fo*ms of c*edit with competitive and lowe* inte*est *ates that a*e mo*e suitable fo* longe*-te*m financial needs including ou* c*edit ca*d o* installment loan p*oductsFo* additional info*mation, please visit ou* website at 53.com, call custome* se*vice at (800) 972-3030, o* visit any Fifth Thi*d Bank banking cente*. It was ce*tainly not ou* intention to cause you any ha*dship, and we sympathize with the difficulties you have expe*iencedBecause we value you* business, we waived one (*) additional ove*d*aft fee of $***Unfo*tunately, we a*e unable to waive any additional ove*d*aft fees at this timeI am so**y fo* any f*ust*ation this may cause you. Fo* you* convenience, I have also enclosed a *efe*ence guide titled Fifth Thi*d Ove*d*aft Solutions fo* Consume*s that p*ovides additional info*mation *elated to the ove*d*aft fees that we*e assessed to you* account, and ways to t*ack you* balance to help avoid ove*d*aft fees in the futu*eInfo*mation *ega*ding ove*d*aft cove*age and p*otection options is also p*ovided on the enclosed documentPlease feel f*ee to contact me di*ectly at the numbe* below should you have any questions *ega*ding the enclosed *efe*ence guideI would be happy to assist you. Thank you fo* you* patience while we *esea*ched this matte* fo* youYou a*e a valued custome*, and we look fo*wa*d to se*ving you* financial needs in the futu*eIf I could be of fu*the* assistance to you, please contact me di*ectly at *** ***, o* toll f*ee at *** ***. Since*ely, *** *** Consume* *esolution Specialist Office of the P*esident Pc: Bette* Business Bu*eau Enclosu*es (6): *ules and *egulations, Ove*d*aft Notices, Ove*d*aft Solutions Document Fifth Thi*d Bank, Membe* FDICEqual Housing Lende*Fifth Thi*d and Fifth Thi*d Bank a*e *egiste*ed se*vice ma*ks of Fifth Thi*d Banco*p

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
Let me first acknowledge the poor record keeping that this financial institution continuesOn numerous occasions, I have provided them with my address (where I have been residing for over five years) and yet, they continue to send documentation to the address of the person who was in possession of the vehicle Let it also be known that the bank was clearly aware of my correct address when they sent me the new payment booklets which reached my house but I have yet to receive or view the denial letter that they are claiming to have sent It probably went to the address where I NEVER lived.Additionally, in reviewing the past two correspondents from the bank, please note the many apologies that have been offered without any solid responses to the questions that I previously posed Yet have I received a clear answer to allowing a third party to use the vehicle for trade or have they responded to the offer to close the loan for the Blue Book value of the car which was suggested in back in October Understanding that the offer was still available which is significantly lower than the loan, it was recommended by another financial institution that it may be in the best interest for the bank to settle at the current value, which the difference was going to be provided to close out this matter It would be useless to provide an offer in writing that would not seriously be considered by the bank Due to the lack of response from the bank due to their incorrect account updates, I continuously endure this financial interruption.As I previously mentioned, I have been trying to settle this matter for months As a working member of society that independently survives, this matter is truly becoming overwhelming frustrating Again, I hope that this matter can be closed out in a manner that both parties can respect
Regards,
*** ***

Final response to *** *** is attached. December 22, 2014*** ** *** * *** *** *** *** *** *** *** ** ***Re: Basic Checking Account ***Dear Ms***,Thank you for the letter you sent to the Revdex.com regarding your Basic 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 Basic Checking accountIt was certainly not our intention to cause you any hardshipPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI 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.For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the futureInformation regarding overdraft coverage options is also provided in the enclosed documentPlease feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guideI would be happy to assist you.Fifth Third Bank processes transactions at the end of each business dayThis does not include Saturdays, Sundays, and Federal HolidaysTransactions are posted in the following order: Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability Policy.Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are received.All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount.Fees and service charges in the order of the largest amount to the smallest amount I have enclosed a copy of our current Rules and Regulations for your reviewPage twelve (12) provides additional information regarding our overdraft calculation orderOn page eleven (11), paragraph thirteen (13), you will find additional information regarding an account overdraft. On December 11, 2014, the beginning balance in your Basic Checking account ending in *** was positive $Ten (10) items totaling $posted to your account.These items were posted to your account in the following order: Debit card purchase of $49.77Merchant payment of $101.09Debit card purchase of $6.005/Jeanie withdrawal of $320.005/online transfer to savings of $169.99Web initiated payment of $3.00Web initiated payment of $1.08Web initiated payment of $0.84Web initiated payment of $0.66Web initiated payment of $ Please note that, at the time you conducted the transfer to the savings account, the *** items had not yet posted to your account, and would not have reflected within your account balanceDue to insufficient funds, five (5) items were returned unpaid, and five (5) overdraft fees totaling were assessed and posted to your account the following dayYour ending balance was negative ($6.09)I have enclosed a copy of the overdraft notice sent to you on December 12, 2014, for your reviewOn December 12, 2014, the beginning balance in your Basic Checking account ending *** was negative ($6.09)The five (5) *** transactions were credited back to your accountIn addition, another *** transaction in the amount of $ posted to your account, along with $in overdraft/returned item fees from the following business day’s transactions.These items posted to your account in the following order: Returned item of $3.00Returned item of $1.08Returned item of $0.84Returned item of $0.66Returned item of $0.52Web initiated payment of $0.99Overdraft/returned item fee(s) of $ Due to insufficient funds, one (1) item was returned unpaid, and one (1) overdraft fee totaling $was assessed and posted to your account the following dayYour ending balance was negative ($185.98)I have enclosed a copy of the overdraft notice sent to you on December 15, 2014, for your review.On December 18, 2014, the five (5) original *** items were represented to your account and on December 19, 2014, the additional $ *** transaction was represented to your accountAll six (6) of these items were returned due to non-sufficient funds and overdraft/returned item fees were assessed.It was certainly not our intention to cause you any hardshipAs you are a valued customer, $in overdraft fees were reversed on December 15, As of December 22, 2014, your account balance is negative ($295.99)However, we are willing to reverse the remaining overdraft/returned item fees related to these six (6) *** transactions, provided that you deposit enough funds to cover the six (6) items totaling $as they will likely be represented for payment a third timePlease be advised that we will not consider additional fee reversals in the future for any reason. Ms***, thank you for your patience while waiting for a responseIf I could be of further assistance to you, please contact me directly at *** *** ** *** *** ** *** ***Sincerely,*** ***Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosures (4): Overdraft Notices, Overdraft Solutions Document, Rules and Regulations

*** *** *** ** *** ** *** ** *** *** ** *** *** *** ** ***Date: March 17, 2015Account: ***Re: Deposit on February 26, 2015Dear *** ** ***We received a copy of the
complaint you recently filed with the Revdex.comWe 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 or frustration this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI 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.According to the Bank's Rules and Regulations, to which you agreed when you opened your checking account, in some situations the Bank may notify you after a deposit is received that the funds will not be available for up to eight (8) business daysI have enclosed a copy of the Bank's Rules and Regulations for your reviewPlease refer to page four (4) for information regarding the Bank's Funds Availability Policy.On February 26, 2015, we received a check for deposit into your checking account ending in *** of $37,On February 28, 2015, the Bank placed a hold on the deposit because we received information from the paying bank indicating that the check might not be paidFifth Third Bank sent a letter notifying you of the hold placed on your account on February 28, As of March 9, 2015, your deposit was made available in full. According to the Bank's Digital Services User Agreement to which you agreed when you enrolled in Fifth Third Bank's Internet Banking, any payment with a "Scheduled" status can be canceledIf a payment is not listed as "Scheduled," it cannot be canceledPlease refer to the Digital Services User Agreement that I have enclosed for your reviewRefer specifically to page eight (8) for information about canceling payments through Fifth Third's online banking systemPlease also note the last paragraph on page thirteen (13), which states that the Bank in unable to guarantee the completeness of the information on its websiteI have also included a document for your review which discusses when and how an online payment can be canceled.Please note that the Bank has not assessed any fees to your account as a result of the hold that was placed on your accountYou can provide copies of this letter to any merchant that returned a payment to your checking account and they may be willing to reimburse you for any fees they have charged you.*** ***, you are a valued customer and I appreciate this opportunity to address your concernsIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely, *** ***Office of the PresidentPc: Revdex.comEnclosures (4): Rules and Regulations, Information about Your Recent Deposit Letter, Payment Activity Document, and the Digital Services User Agreement