Fifth Third Bank

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and I understand this banks positionI still contend that this is a faulty business practice and only aid the banks in charging overdraft feesIn their statement they said that a period of a few days could pass before it registers, "When an item posts to your account may vary based on circumstances beyond our control, such as changes or disruptions in network processing or processing delays by the third partyAgain, we do not control the timing by which a third party may provide this information to usHowever, credits (+) and debits (-) are generally applied to your account on the first business day they are presented to the Bank from a third partyCredits (+) are subject to Funds Availability limitations." My point is that as soon as I swipe my card or use my card for any reason it should immediately post and register with the bank not post to my account a few days later, and based on the whim of the merchant
Regards,
*** ***

February 18, 2015 *** *** *** *** ***
*** *** ** *** Dear *** ***: Thank you for the letter you sent to Revdex.com regarding your recent experience with our customer service departmentWe appreciate the time you have taken to
document your thoughts and concerns regarding this matter, and we sympathize with the difficulty you experienced. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with obtaining information on your husband’s car loanIt was certainly not our intention to cause you any hardship. We 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. We appreciate that you understand about the information we were unable to provide you with in regards to your husband’s loanBut, that is not an excuse as to the treatment that you received for one of our agentsWe strive to deliver quality service to each person that contacts our bank, and in your case we failedI hope that your experience will not be repeated to you or any other person who seeks assistance from our bank. Thank you for expressing you concern and displeasure of the recent call you had with Fifth Third BankIt is a well-known fact that no business can survive without its customers, and I want to assure you that we truly value the banking relationship your husband has with usIf I could be of further assistance to you, please contact me directly at *** *** ** *** *** ** *** *** Sincerely, *** *** Consumer Resolution Specialist Office of the President

[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,
*** ***

[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,
*** ***

November 7,
*** ***
*** *** ***
*** ** ***
Re: Account
#xxxxxx***
Dear Ilan ***,
We received a copy of the complaint you filed
with the Revdex.com dated October 27, 2014, concerning payments
made on your mortgage 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
In researching your concerns, we found that the
correct account number is not being used on the payments being sentThere is
one digit missing in the account number on the checksTherefore, our
processing system is unable to identify the correct account, causing a delay in
posting the payment to your accountI have enclosed a copy of the most recent
monthly statement, which reflects the correct account number
Our records reflect that a payment received on
October 27, 2014, was reversed from your account due to a stop payment placed
on itHowever, we received a payment on November 3, 2014, which will satisfy
the payment due on October 1, An additional payment was received and
posted to your account November 6, Therefore, at this time, your account is
current and due for the December 1, payment
We empathize with the difficulties you have
experienced with this accountTherefore, in the interest of customer service,
we reversed a late charge of $*** on November 3, In addition, we have
electronically updated your credit report to remove the derogatory remark
Please allow approximately thirty (30) days for the credit reporting agencies
to process this update
On behalf of the Bank, please accept my sincere
apology for any inconvenience or concern that this matter may have caused you
If I can be of further assistance, please contact me directly at *** ***
** *** *** ** *** ***
Sincerely,
*** ***
Consumer
Resolution Specialist Office of the President
Pc: RevDex.com Enclosure: Statement

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. I have tried to contact *** *** on numerous occasions to discuss this matter and have left her several messages and have yet to receive a return callI have used the long distance and the toll free phone number that she provided in her letterPlease have *** *** or someone else with 5/contact me regarding this matterThank you
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,
*** ***

5/resolved my issue (***). Could you please let me know how I can close this case? I have also attached a copy of the message from you. Thank you

October 23, 2014  
[redacted]
  RE: Lien Release Dear Mr. [redacted],  Thank you for contacting the Bank concerning your account validation request. We appreciate the time you have taken to express your...

concerns regarding this matter.  In order to properly respond to your request, we need additional information. Please submit a detailed description that identifies the specific transaction and/or the nature of your inquiry.  A dispute notice must include:  Sufficient information to identify the account or other relationship that is in dispute, such as an account number, and your name, address, and telephone number. The specific information that you are disputing and an explanation of the basis for the dispute.  All supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include, for example: a copy of the relevant portion of your credit report that contains the allegedly inaccurate information; a police report; a fraud or identity theft affidavit; a court order; or account statements. The requested information can be mailed to the following address: [redacted]
[redacted] Alternatively, you can fax this information to my attention directly at ([redacted] We strive to provide professional and accurate service to our customers, and apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ([redacted] or toll free at ###-###-####.

The [redacted]
[redacted]
Re: Checking account[redacted]
Dear Ms. [redacted],
We received a copy of your complaint filed with
the Revdex.com regarding your checking account. We...

appreciate the
time you have taken to express your thoughts and concerns regarding this
matter.
On behalf of the Bank, please accept my sincere
apologies for any frustration you experienced regarding this matter. On October
16, 2014, we received your dispute for the transaction of $[redacted] that posted
to your checking account on September 29, 2014. As a result of this dispute, we
processed a provisional credit of the $[redacted] back into your checking account
on October 17, 2014. These funds are available for your use while we research
the disputed transaction. Please be advised that disputes of this nature can
take [redacted] to be resolved. When our investigation is
complete, we will mail a letter to you at the address listed above. If we rule
the dispute in your favor, the provisional credit that we provided will become
a permanent and final credit. We will also credit your account for any fees
resulting from the initial transaction. If the dispute is not found in your
favor, then we will remove the $[redacted] provisional credit. Please be assured
that if the account becomes overdrawn because the provisional credit was
removed, the Bank will not charge any overdraft or returned item fees for five
(5) business days.
Please be assured that the debit card ending in
[redacted] that was previously provided to Beronica Woodson is closed and cannot be
used to make any additional purchases from the checking account. I apologize
for the distress and inconvenience you have experienced regarding the
transaction in question.
Your comments regarding customer service are
very concerning. Please be assured that we have contacted the relevant parties
to express your dissatisfaction with the service you received and passed on
your concerns. Customer service is of the utmost importance to all of us at
Fifth Third Bank and we appreciate your feedback as it assists us in
identifying problems in an effort to continuously improve the service we
provide our customers.
We appreciate your patience while we researched this matter and we
value your business. If I can be of any further assistance, please contact me
at [redacted]
Sincerely,
[redacted]
Consumer
Resolution Specialist Office of the President
Pc: Revdex.com

Initial Business Response /* (1000, 5, 2018/04/12) */
First off we don't sell anybodies contact information. We buy the leads from a leads service company in Las Vegas and after contacting them, they said they have sold his contact information to many call centers, as his contact information was...

purchased from another business like ours that he dealt with. We quit calling him when he said to stop and reported it to the leads company in Las Vegas to remove his information.

We are writing in response to a concern you filed with the BetterBusiness Bureau on March 9, 2015, regarding the above-referenced account. It isour understanding you alleged you incurred fees from paying college tuition asa result of not receiving proper advice. We thank you for bringing this...

matterto our attention, and appreciate the opportunity to respond.During a third review of this matter, we confirmed you signed theenclosed "American Funds CollegeAmerica New Account Application" onSeptember 17, 2004. By signing the application, you acknowledged the items inSection 10, including:·      I herebyestablish a CollegeAmerica Account with the [redacted] College Savings Planthrough American Funds and acknowledge that I have received, read and agree tothe terms set forth in the CollegeAmerica Program Description, theprospectus(es) of the funds(s) selected and this application, as thesedocuments may be modified from time to time.Enclosed is the most recent CollegeAmerica Program Description.You would have received one similar to this when you opened the 529 plan. Foryour reference, please see Section 9 Withdrawals, which covers qualifiedwithdrawals, qualified higher education expenses, and non-qualifiedwithdrawals.In addition, a review of the activity on the 529 plan confirmedthat in October 2011, you started taking distributions from the plan, as wellas transferring the original selected American Funds over to the American FundsMoney Market.Due to the aforementioned, Fifth Third Securities, Inc. will notreimburse you for fees incurred or any tax liability as a result of thedistributions. We consider this matter closed at this time.Fifth Third Securities, Inc. regrets any inconvenience this mayhave caused you. Should you have any further questions please contact me at[redacted]

[redacted]
[redacted]
[redacted]       Date:               April
6, 2015          Account:    ...

[redacted]Re:  $100.00 BillDear
[redacted] We
received a copy of the complaint you filed with the RevDex.com.  We appreciate the time you have
taken to document your thoughts and concerns.We
strive to provide professional and accurate service to our customers and I am
sorry if that has not been your experience. 
Customer service is of the utmost importance to all of us at Fifth Third
Bank and we appreciate your feedback as it assists us in identifying problems
in an effort to continuously improve the service we provide our customers.  Please be assured that we have contacted the
relevant parties to express your dissatisfaction with the service you received
and passed on your concerns.The
Bank’s policy is that once a customer leaves a banking center with cash
received, the Bank is not responsible for the funds received.  It is not possible to determine if the cash
deposited at the other financial institution are the same bills received from
Fifth Third Bank.  I can assure you that
an investigation into this matter was initiated by the [redacted] Banking Center.However,
in the interest of customer service, we are returning the $100.00, which was
reported as counterfeit.  The $100.00 was
transferred to your account on April 4, 2015 and will be reflected in your
account on April 6, 2015.   You
are a valued customer and I appreciate this opportunity to address your
concerns. On behalf of the Bank, please accept my sincere apology for any
inconvenience or concern that this matter may have caused you.  If I could be of further assistance to you,
please call me at ###-###-####, or toll free at ###-###-####, Monday through
Friday, 8 a.m. to 6 p.m., ET.Sincerely,
[redacted]Office
of the President Pc:
Revdex.com

Please see the attached response being mailed to the customer today.  Thanks.  January 12, 2015[redacted]Re: Vehicle Installment Loan [redacted]Dear [redacted]We received a copy of the complaint you filed through the Better...

Business Bureau on December 31, 2014, regarding the final payoff amount for your installment loan. 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. On behalf of the Bank, I would like to offer my sincere apologies for any inconvenience this matter may have caused you. Please be assured that we have researched this matter thoroughly, and we have passed on your concerns to the relevant parties within the Bank. Ialso 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.The final payment for an installment loan is not provided in a coupon book. This is because the final payoff of the loan is unpredictable and unknown until the second to last payment is received. The Bank automatically sends out a final bill during the month prior to the maturity date. Once we have received the final payment for an installment loan, the lien for the vehicle will be released within ten (10) business days.On November 14, 2014, we received and posted your forty-seventh (47th) installment payment of $344.30. A payoff letter was generated and mailed to the address listed above on November 21, 2014. I have enclosed a copy of that letter for your review. I am sorry if you did not receive it when we initially sent it to you. Your final payment was due on December 16, 2014, and is now past due. The remaining balance as of January 8, 2015, is $320.14, with interest accruing by $0.04 daily. You may make a payment at any local Fifth Third Bank banking center, or you may mail a check or money order for the final payoff to the following address:Fifth Third Bank[redacted]
[redacted]Once we receive the full payoff for your installment loan, we will release the lien on the vehicle securing your installment loan. The [redacted] Department of Revenue will then mail a lien-free paper title to you.   We have confirmed that your account has not been reported as past due to the credit bureaus due to the late payoff. However, if your account becomes thirty (30) days or more past due, your account will be reported as delinquent to the credit bureaus. In order to avoid this from happening, you will need to pay off your installment loan in full no later than January 14, 2015.If you would like to contact the credit bureaus directly, their contact information is below:Equifax                ###-###-####Experian              ###-###-####TransUnion         ###-###-####Innovis                 ###-###-####It was certainly not our intention to cause you any hardship. However, it is your responsibility to ensure that your payments are made on time. Therefore, we are unwilling to waive any late charges, or provide you with any additional compensation. I am sorry for any frustration this may cause you.You also mentioned a damaged check that was previously returned to you. We confirmed that on January 17, 2014, we received a check for payment that was damaged. The Bank returned that item with a letter of explanation and a return envelope. On February 4, 2014, your new payment was received and back-dated to January 17, 2014, the original date of receipt. Because your payment posted within thirty (30) days of your due date, your account was not reported as past due to the credit bureaus.Thank you for your patience while waiting for a response. You are a valued customer, and we hope you will consider using Fifth Third Bank for your financial needs in the future. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####.Sincerely, [redacted]Senior Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosure (1): Final Payment Letter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Perhaps Ms. W. needs to escalate this issue because telling me that "there's nothing new" does not resolve anything considering they haven't addressed any of my issues in the first place.  Please ask her to address these issues independently and escalate this issue to Ms. F. or Mr. C..  I insist these issues be addressed instead of a rote reply.  Furthermore, ask her to please quit wasting our time in this and fix the problem. Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
Regards,
[redacted]

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

[redacted] Date: August 19, 2016 Regarding Your Recent Mortgage Loan Application Dear [redacted]: We received a copy of the complaint you filed with the Consumer Financial Protection Bureau and the Better...

Business Bureau, regarding your recent mortgage loan applications. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service from our employees is extremely concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience the application process may have caused you. Please be assured that the senior management in your region has been informed of your dissatisfaction with the service you received. We strive to provide professional and accurate information to all of our customers, and we regret if all the service you received did not meet the same high standard. On July 13, 2016, the Bank received your telephone application for a mortgage loan. The mortgage loan originator that accepted your application was Andrew M.. Please find enclosed a copy of the Fifth Third Bank Mortgage Loan Pricing Agreement and Prepayment of Settlement Costs Policy that you signed and returned to the Bank on July 18, 2016. Specifically, on page two (2) the section titled Prepayment of Settlement Costs Policy, which states: An application fee will be charged in connection with your loan application. When applying for a residential mortgage loan a loan application fee is due. This application fee does not represent a pre-payment of specific closing costs. It does, however, represent a pre-payment of a portion of the total settlement costs. Assuming your loan application is approved, this prepayment of settlement costs will be applied towards your total costs due at closing your transaction. If your application is not approved, is withdrawn, or is approved and does not close, you will NOT be entitled to a refund of any fees paid including but not limited to the application fee and long term rate lock fee. Rate and Point Float Lock $350.00 Application fee is due upon your receipt of the Initial Loan Estimate and your expressed intent to proceed with the application when applying for a mortgage loan. Only one application fee will be charged for any one mortgage loan application. For your records we have enclosed the Mortgage Loan Pricing Agreement, Loan Estimate, your signed Notice of Intent to Proceed dated July 18, 2016, as well as the commitment letter mailed to you on July 26, 2016. Upon review of your complaint, Fifth Third has determined that the fact that the application fee was not refundable was disclosed and this fee will not be refunded as explained in the Pricing Agreement. [redacted], thank you for your patience while waiting for a response. It was certainly not our intention to cause you any hardship or frustration. If I could be of further assistance to you, please call me at 513-358-2985, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely Patrick S.Office of the President PC: Consumer Financial Protection Bureau, Revdex.com Enclosures: Settlement of Costs letter, Loan Estimate, Intent to Proceed, Commitment letter

FIFTH THIRD BANK
October 23, 2014
[redacted]
Re: Mortgage Loan[redacted]
Dear Mr. [redacted],
We received the complaint you filed with the
Revdex.com regarding your mortgage loan. We appreciate the time you
have taken to...

document your thoughts and concerns regarding this matter.
On behalf of the Bank, I
apologize for any frustration this may have caused you. We strive to provide
accurate and professional service to our customers and I regret if this is not
the level of service you received. In the interest of customer service, we have
enclosed a check for $[redacted] for the buy down cost associated with the[redacted]%
interest rate you received on your mortgage loan.
We appreciate your patience while waiting for a response. If I
could be of further assistance to you, please contact me directly at [redacted]
Consumer
Resolution Specialist Office of the President
Pc: Revdex.com
Enclosure: Check