Fifth Third Bank

Hi [redacted], [redacted] did send me a recording from 2010 which I was finally able to listen to. It does not support his and the customer’s claims as they think it does, and regardless it would not have changed our ultimate response. I am doing a bit more digging which I hope will help them understand, and I will give him or the customer a call tomorrow. This has been quite frustrating to get the customer and [redacted] to understand. I will keep you posted. Thank you, Elizabeth D. | Fifth Third BankCustomer Care Team Specialist II Phone ###-###-#### Fax ###-###-#### Email [redacted]

[redacted] Date: December 4, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your mortgage loan....

We appreciate the time you have taken to document your thoughts and concerns. We completed a review of the mortgage loan account ending in [redacted]. The current loan-to-value for the account is 84.8%. I have enclosed a copy of the Private Mortgage Insurance (PMI) Disclosure from the loan closing for your convenience. As this document indicates, you have the right to request the PMI be cancelled on or after the date the principal balance of your loan is first scheduled to reach or actually reaches 80% of the original value of the property. The original value means the lesser of the contract sales price of the property or the appraised value relied on by the lender to approve the loan, in this case, the contract sales price of the property was the lesser of the two, which was $495,000.00. Please note the principal balance of your loan is scheduled to reach 80% on June 1, 2018. In addition, if you are current on your loan payments, PMI will be automatically terminated on the date the principal balance of your loan is first scheduled to reach 78%, which is June 1, 2019. For your information, as of December 1, 2015, the principal balance of the mortgage loan is $419,975.25. Once the conditions have been met, per the PMI Disclosure, you may submit a written request to cancel the PMI. This request should include your full name, your full account number, a brief request to have the PMI removed from the escrow account, and your signature. On November 9, 2015, we received your request for a reappraisal of the property, in the interest of removing PMI from the mortgage loan, and the enclosed appraisal consent form was sent to you. It should be noted that the loan-to-value criteria with a reappraisal request does not follow the same guidelines as the PMI removal based on the original value as outlined above, and the qualifications for PMI cancellation with a reappraisal of the property varies by investor. If you choose to move forward with the reappraisal of the property, in order to remove PMI, the loan-to-value must be at 75.00% or below. I am sorry for frustration this may cause you. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and I find Fifth Third Bank is forcing me to accept their resolution of this matter.  The timeliness of the resolution of this complaint is an unacceptable one for a financial institution. Fifth Third Bank charges consumers/customers daily fees for bank overdrafts, in the amount of $25 for the first overdraft.  Then they charge $8 for every day thereafter.  It took 21 days for Fifth Third Bank to come up with the solution to refund me the $80 their faulty ATM kept during a deposit that took place 21 days ago.  Fifth Third Bank should be reimbursing me a total of $193 although their administration states they cannot refund me the same fee they charge their customers!  I will be blogging about my experience as I have kept a thorough record of this event.  
Regards,
[redacted]

[redacted] Date: June 29, 2016 Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your...

checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your letter, I forwarded your concerns to the relevant parties in our customer service department who thoroughly researched this matter. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Fifth Third Bank processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order: 1. Credits and deposits made prior to the end of day cut-off time as detailed in our Funds Availability Policy. 2. Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are authorized.. 3. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges Debit card and ATM transactions are time-stamped debits and are pre-authorized at the time of use, and will show as pending until they are posted. Because time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic ACH payments are batch debits that are not pre-authorized by us. These transactions do not include a time-stamp and will not show as pending during the day. Checks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized to be paid. I have enclosed a copy of our current Rules and Regulations for your review. Page (12) provides additional information regarding our overdraft calculation order. We recommend that customers keep a ledger to track all transactions, including checks they have written, so that they can know if there are items that have not posted and can plan accordingly. An overdraft occurs when you do not have sufficient funds in your account to cover a transaction. Fifth Third Bank checking accounts have the ability to enroll in our two overdraft related services, Overdraft Protection and Overdraft Coverage. Overdraft Coverage allows a customer to access funds beyond the balance in their account. Effective June 11, 2010 per federal regulations, customers have the ability to opt-in or opt-out of Overdraft Coverage for one-time debit card and ATM transactions. If a customer opts-out, the card will be automatically declined if there are insufficient funds. However, if a customer opts-in to Overdraft Coverage and allows their debit card to be approved beyond the balance in their account then overdraft fees may be assessed. Overdraft Coverage does not apply to checks, automated clearinghouse (ACH) payments. If a check or ACH payment is presented against your account with insufficient funds, the item may be assessed an overdraft fee, or returned and charged a $37 returned item fee. You have opted out of Overdraft Coverage. Please note, that opting out of Overdraft Coverage does not guarantee that the checking account will not be overdrawn, but it does guarantee that the checking account will not be assessed an overdraft fee for any ATM or debit card transactions that posts to the account while it has a negative balance. You may still be assessed overdraft fees for any checks or ACH payments presented against your account with an insufficient balance. On your most recent overdraft occurrence, the beginning balance in your Essential Checking account ending in [redacted] was positive $81.57. On June 15, 2016, two (2) debits totaling $118.06 posted to your checking account. These items posted to your account in the following order: 1. $20.06 Debit Card Purchase at [redacted]. 2. $98.00 [redacted] As a result of the above transactions, your ending balance on June 15, 2016, was negative ($36.49). Please find enclosed a copy of the overdraft notice mailed on June 16, 2016, to alert you to the negative balance. It should also be noted, your transaction posted according in the order described in paragraph three (3) of this letter. One (1) overdraft fee was assessed to your account due to the $98.00 transaction causing a negative ending balance in your checking account, and scheduled to post the following business day. On June 16, 2016, two (2) debits posted to your checking account totaling $325.94. The transactions posted in the following order: 1. $288.94 Day 45 Transfer to Early Access 2. $37.00 overdraft fee Fifth Third Early Access is a line of credit used to assist our customers with short-term financial emergencies or unexpected financial needs. Upon agreeing to add this service to your checking account, you were provided a copy of the Early Access Terms and Conditions. I have enclosed a copy of the Terms and Conditions for your records and convenience. On May 2, 2016, you initiated an $886.00 advance from your Early Access Account. Per the terms of the Early Access Conditions, if you have not paid the full amount of your advance back within forty-five (45) days, the associated checking account will be debited for the outstanding balance. 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 future. Information regarding overdraft coverage options is also provided on the enclosed document. Please feel free to contact me at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. Thank you for your patience while we researched this matter for you. You are a valued customer, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosures: Rules and Regulations, Overdraft Solutions Document, Early Access Terms and Conditions.

Fifth third bank has still not refunded the $80.00 for the transaction.

I do not agree with anything in that letter. When my wife closed the account on the 20th, the bank gave her the money. The account should have been closed on the 20th and all other debits from there on out declined. I am not going to pay the overdraft fees. This is not fair and I will not settle for anything less than the overdraft fees being taking away. Those fees would not exist if the account would have been closed as asked. This is just a way for 53 to make money. The account should have been closed on 11/20 and no fees would've been charged.

[redacted] Date: January 13, 2016 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the follow up letter you sent to the Revdex.com regarding your vehicle installment loan. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. According to our records, the postal money order in the amount of $535.00 with serial number [redacted] and dated October 10, 2015, that you sent as payment for your loan, was received and posted to your loan on October 14, 2015. I have enclosed a copy of the postal money order with serial number [redacted] for your review. If you have documentation showing that any late payment received by the Bank was received before the loan was past due for payment, please send it to us and we can determine if the negative information that was reported to the credit reporting agencies can be corrected. Please send the requested documentation by mail to the following address: Fifth Third Bank Attn: Adam P. Office of the President 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### Please be aware that when your full minimum payment due does not post by the due date, your loan is considered delinquent and is subject to collection activity. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8:00 AM until 9:00 PM, including holidays. Our Collections Department may make several calls each day in an effort to inform you of the past due payment and make payment arrangements. Please accept my sincere apologies for any negative experience you may have had when our Collections Department contacted you regarding your loan. These calls are only intended to make you aware that your loan is past due for payment and to make payment arrangements with you. Calls from our Collections Department are not intended to cause you any hardship. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P. Office of the President PC: Revdex.com Enclosure: Copy of Payment

It will be in my Finace's name.  [redacted].  [redacted]  ###-###-####

[redacted]7 Date: June 8, 2017 Account: [redacted] Account: [redacted] Regarding Your Recent Credit Card Dispute Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

concerning your recent credit card dispute. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Thank you for taking the time to speak with me on May 19, 2017, regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Our research determined you contacted the Dispute Resolution Department (DRD) and disputed purchases made with [redacted]. Upon contacting the DRD the investigator opened case [redacted] to investigate your claims. The Bank did provide credit to your account while investigating your concerns. On May 25, 2017, the DRD notified you that your claim was denied. The credit provided to your credit card was reversed as a result of the investigation. Based on the information you provided the intake specialist, the DRD investigated this claim as a non-fraud claim. You stated that you had previously cancelled your service and paid the merchant by other means. In researching your concerns, we have contacted the DRD and filed a new fraud dispute on your behalf. Please find enclosed a copy of your credit card statements for your two (2) credit card accounts ending in [redacted] and [redacted]. Our review of the transactions with [redacted] determined you were charged seven (7) times, and have received credit for five (5) transactions. On your behalf, we have filed a dispute on the two (2) remaining $98.09 transactions. The case number is [redacted]. If you review the enclosed statements and determine there are more unauthorized charges, please contact DRD at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday 8:30 a.m. to 5 p.m., ET. We appreciate your patience while we researched your request. 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, Patrick S.Office of the President PC: Revdex.com Enclosure: Merchant Documents Denial Letter Statements

The account is a HSA account. Do you want the account number posted on line ? Thank you [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.   To assist us in bringing this matter to a close, we would like to know your view on the matter.       * Has the company addressed the issues of this dispute?   No.      * If not, why?  - They are disputing my contact to their company on requesting a re review of my escrow last July 2015, though they will not provide the voicemail logger. Why not? I called Fifth Third and requested a review of my escrow account. Where is their accountability. I am owed Escrow of $150 per month plus interest for their lack of response to my phone call. They also have NOT provided me proof to receipt of my check on 4 dates to prove how long they were in receipt of the check that caused the “31st day delinquency” exactly on the 31st day. This is unacceptable.     * Has the company met the agreement they outlined in their response? No they have not. I will be submitting a copy of this email as well to the [redacted] State Department of Financial Services. No this matter can not be closed. They are claiming phone calls did not happen while refusing to provide proof they did not. These people are thieves and I will go as high up the ranks that I need to go with this issue. This is criminal, Please keep this open and there will be a formal response to this [redacted] 11, 2016 pathetic excuse for a response. This response is nothing more then to ignore the issues at hand.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  Fifth Third Bank went above & beyond to resolve my issue.  Please consider this matter complete.
Regards,
[redacted]

[redacted] Date: October 17, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your checking account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On September 23, 2016, you disputed several transactions. The case number for your dispute is C1609999593. You notified the Dispute Department employee that you last had your debit card on September 17, 2016, and the following transactions were unauthorized: ** $803.00 Automated Teller Machine (ATM) withdrawal posted 9/19/16 with an associated $2.75 fee ** $803.00 ATM withdrawal posted on 9/19/16 with an associated $2.75 fee ** $403.50 ATM withdrawal posted on 9/19/16 with an associated $2.75 fee ** $69.16 debit card purchase at [redacted] that posted on 9/19/16 ** $350.00 debit card purchase at [redacted] that posted on 8/22/16 When the provisional credit was processed on September 28, 2016, two (2) additional transactions were credited to your account in error. The transactions credited to you in error are listed below: ** $53.38 at [redacted] that posted on 9/12/2016 ** $27.21 at [redacted] * that posted on 9/7/16 The total provisional credit provided to your account on September 28, 2016, was $2,509.25. We also waived the three (3) non-Fifth Third Bank ATM withdrawal fees of $2.75 each, and a $2.75 fee for a balance inquiry. On September 29, 2016, the $2,509.25 in provisional credits was removed from your account. Enclosed is a copy of the dispute denial letter we sent to you on September 29, 2016, stating we determined you conducted the transactions. We confirmed with [redacted] that the $350.00 transaction with them was not fraudulent, and was an authorized transaction. Additionally, [redacted] advised that the vehicle in question was still in your possession at the time the dispute was filed. [redacted] advised the vehicle was returned on September 30, 2016, in poor condition. As a result, they are unwilling to refund the hold funds you paid to them. The dispute with [redacted] is denied, and you will have to work with that merchant directly if you would like a refund. While researching your concerns, I confirmed that the ATM withdrawals and the [redacted] disputes were denied because the form submitted by the Dispute Department on September 23, 2016, stated the card went missing that same day. Because those transactions were processed prior to September 23, 2016, when the dispute form said you lost the card, those disputes were denied. I was able to review your phone call with the Dispute Department that day, and confirmed that you told the representative you last had the card on September 17, 2016. I am sorry that the information for the dispute was not relayed correctly. The remaining $80.59 in denied disputes was for the two (2) transactions that were not supposed to be included in the dispute. We reasserted your dispute claim for the ATM withdrawals of $803.00, $803.00, $403.50, and the [redacted] transaction of $69.16. As a result, your account was again provisionally credited for funds totaling $2,078.66. Please note that the Bank has forty-five (45) days from September 23, 2016, to issue a final decision regarding the dispute claim. This is not a final credit, but you will have full use of these funds while our investigation continues. The Bank’s final decision will be issued no later than November 7, 2016. If the dispute is not found in your favor, the provisional credit for the denied disputes will be removed from your account. If you would like to follow up with the Dispute Department in the meantime, they can be reached toll-free at ###-###-####. The Dispute Department is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. You mentioned that your account was being linked to your ex-husband’s account. Please be advised this is not the case. You are the only account holder listed on your checking account and the only account information and transactions available are for your checking account. However, while researching your dispute, we determined there was a possibly linked dispute case to one of the transactions you disputed. The hold on your account was placed on October 1, 2016, in relation to this activity. The hold was removed on October 17, 2016. While the hold was in place you could, and did, withdraw the funds in your checking account in person at a banking center, and your direct deposits were still able to be credited. The hold prevented debit card, check, and Automated Clearing House (ACH) transactions from posting to the account. As of October 17, 2016, you have full access for debit card, check, and ACH transactions. The balance in your checking account as of October 12, 2016, is $78.66. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Denial Letter

[redacted] Date: December 9, 2015 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your...

Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns. We completed a review of the Essential Checking account ending in [redacted], as well as the overdraft fees that were assessed to the account. Our review included the following: ? On November 20, 2015, we received your initial request to close the account; however, there were outstanding charges on the account. On this same day, $82.33 was withdrawn from the account, leaving a balance of $19.50 to cover the pending debit card transaction in the same amount. ? On November 23, 2015, two (2) debit card transactions posted to the account, totaling $78.47, and leaving a negative account balance at ($58.97). The first transaction was the debit card purchase made on November 19, 2015, to National Students in the amount of $19.50. The second transaction was a debit card purchase made on November 22, 2015, to [redacted] in the amount of $58.97. Because you did not elect for overdraft coverage on the account, neither of the transactions were assessed an overdraft fee, and both transactions were paid. ? On November 24, 2015, an ACH payment to [redacted] in the amount of $9.36 posted to the account, leaving a negative account balance of ($68.33). On the next business day, November 25, 2015, a $37.00 overdraft fee was assessed to the account as a result of this transaction. ? On November 25, 2015, an ACH payment to [redacted] in the amount of $77.40 posted to the account and a direct deposit from [redacted] in the amount of $22.47 posted to the account, leaving a negative account balance of ($160.26). On the next business day, November 26, 2015, a $37.00 overdraft fee was assessed to the account as a result of the ACH transaction. Because transactions continued to occur, we were unable to close the account as you had requested. Our review of the previously detailed transactions has determined there was no error in assessing the overdraft fees to the account. Because there was no error, we are unable to accommodate your request to waive any fees. I am sorry for any frustration this may cause you. As of November 27, 2015, the negative account balance is ($197.26). Once the account is at a zero balance and without pending transactions, you may request the account closure by visiting your local banking center or by contacting our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. In addition, because you mentioned that these transactions were not authorized by you, if you would like to dispute these charges, please contact our Disputes Resolution Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com

October 23, 2014
[redacted]
[redacted]
[redacted]
Re: Checking Account[redacted]
Dear Mr. [redacted],
We
received a copy of your complaint filed with the Revdex.com
concerning your checking account with Fifth Third Bank. We appreciate the...

time
you have taken to share your thoughts and concerns regarding this matter.
On
July 20, 2012, you opened an Essential
Checking account with our [redacted] Financial Center. On an Essential Checking account, we waive the
monthly service charge of $[redacted] if any of the following is met:
·        
You maintain a combined monthly average of $[redacted] across your
checking and savings accounts
·        
OR you are a current or former member of the U.S. military with
monthly direct deposits totaling $[redacted] or more
·        
OR you participate in your employer’s Fifth Third Banking Benefits
Program with monthly direct deposits totaling $[redacted] or more
·        
OR you are a student with a valid student ID
Our
records indicate that the monthly service charge has been waived on your
account since December 2013. You have not received a monthly fee for this
account since you set up monthly direct deposits that have been at least
$[redacted] per month.
If the 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 fees. The per item overdraft fee is
based on the number of occurrences in the last [redacted]. For the
first occurrence, you will be charged $[redacted] per item. For any additional
occurrence, the charge is $[redacted] per item. Should the account become overdrawn,
we also send an overdraft notice via standard mail to inform you of the
occurrence, which includes a detailed breakdown of the day’s transactions. I
have enclosed a copy of our Rules & Regulations handbook that you received
and agreed to when signing a signature card to open the account. Pages 2, 11,
and 12 provide additional information regarding overdraft and the related fees.
If
you have any questions regarding recent overdraft fees that were charged to
your account or any other charges that posted to your account, please contact
me directly at the phone number listed below. I am unable to further research
your concerns related to fees charged to your account until you can provide
additional information related to specific fees that posted to your account.
In
your complaint you also reference that your bill payments were “mishandled” by
the Bank, but you did not provide any additional information that may allow us
to further research your concerns. I would be happy to investigate any payments
that have posted to your account and submit disputes for any payments that may
have posted in error. When disputing an Automated Clearing House (ACH) payment
on your checking account, we strive to research and resolve the dispute in as
timely a manner as possible. If our research supports your dispute, any
provisional credit issued to your account will become final and any related
overdraft fees will also be reversed. However, if our research does not support
your dispute or if we receive proof that the transactions are legitimate, a
notification letter detailing our decision will be sent to the address on file
and the provisional credit will be removed from your account. Federal
regulations establish our dispute guidelines for ACH payments that we are
required to follow. Disputes of this nature may take ten (10) business days or
up to forty-five (45) calendar days to fully investigate.
Mr. [redacted], please
be assured that it was not our intention to cause you any hardship. You are a
valued customer and we look forward to serving your financial needs in the
future. If I could be of further assistance to you please contact me directly
at [redacted].
[redacted]
Consumer Resolution Specialist Office of the President
Pc: Revdex.com
Enclosure: Rules & Regulations handbook

[redacted]Date: September 30, 2015Account:  [redacted]Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com dated September 21, 2015, concerning the Early Access Feature...

(EAX) on your checking account.  We appreciate the time you have taken to express your thoughts and concerns regarding this matter.Our goal is 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.Our records indicate that you enrolled for the Early Access line of credit via the internet on July 29, 2011.  At that time, we provided and you agreed to a copy of the Early Access Terms, and Conditions, which advise the Early Access account, may be closed if the associated checking account is in a current bankruptcy proceeding.  Unfortunately, when you filed bankruptcy on September 9, 2015, it caused the Bank to close out your Early Access account.  I have enclosed a copy of the Terms and Conditions for your reference.  Page 3 provides additional information regarding customers who are eligible for the Early Access line of credit product.Please be assured that it was not our intention to cause you any undue hardship.  We empathize with the financial difficulties you are experiencing at this time.You have been a valued customer since 1986 and we sincerely hope that you will continue using Fifth Third Bank for your future financial needs.  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,Carolyn G.Office of the President Pc: Revdex.com

[redacted]     Date:       July 15, 2015  Account:         [redacted]   Regarding Your Checking Account   Dear [redacted]:     We received a copy of...

your complaint filed with the Revdex.com, concerning your Fifth Third Bank checking account. We appreciate the time you have taken to bring this matter to our attention.   I am sorry for your unsatisfactory experience concerning the promotional offer for opening a checking account with us.  It was certainly not our intention to cause you any difficulties or frustration. We understand your desire to receive the benefits of the new relationship offer with the Bank. However, this offer was not available to existing customers or those with a Fifth Third checking account that has been closed within the last twelve (12) month.   Our records show that this is not your first relationship with us. On November 28, 2014, you opened an Essential checking account and a Goal Setter Savings account. Therefore, the Bank does not consider your E-Access checking account ending in 1460 to be a new relationship.  While we certainly want your business and hope to have a continuing relationship with you, we are not willing to credit your account for the $200.00 bonus.   We hope this correspondence will help you understand Fifth Third Bank’s position going forward. We appreciate your patience while we researched your request. 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,   Elizabeth J. Office of the President   Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  The February 23 conversation entailed a Fifth Third promise to follow up by phone after research was complete, and confirmation was provided that I was not to take any action until such follow up. Since resolution was not provided, I have resolved on my own by completing paperwork to defease the loan and will leave the complaint as unresolved.
Regards,
[redacted]

[redacted] Date: October 31, 2016 Account: [redacted] Regarding the Overdraft Fees Assessed to Your Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

the overdraft fees that were assessed to your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. On September 30, 2016, the beginning balance in your checking account ending in [redacted] was $2,124.83. Three (3) items totaling $3,257.62 posted to your account resulting in a negative ending balance of ($1,132.79). Due to insufficient funds for two (2) of the items, two (2) overdraft fees totaling $74.00 were assessed and posted to your account the following business day. On October 3, 2016, your checking account was brought to a positive balance. I have enclosed a copy of the overdraft notice we sent to you on October 3, 2016, for your review. In your complaint, you mentioned that overdraft protection should have been set up on your checking account on January 5, 2016. During our research, we listened to the recording of your call to the Bank on that day. You called in reference to the overdraft fees that had been assessed to your account; however, at no time during the call was overdraft protection mentioned. On October 7, 2016, your savings account ending in [redacted] was linked to your checking account for overdraft protection. Please note that you will need to keep sufficient funds in your savings account to cover any possible future overdrafts on your checking account. It was certainly not our intention to cause you any hardship. Our records show that two (2) overdraft fees totaling $74.00 were waived when you contacted the Bank on January 5, 2016. We are unable to waive any additional fees on your checking account per our bank policy. However, in the interest of customer service, we waived the $25.00 overdraft fee that was assessed to your savings account ending in [redacted] on October 5, 2016. Thank you for your patience while we researched this matter for you. We truly value your business, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Overdraft Notice

[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[redacted], and find that this resolution is satisfactory to me.  They did not admit their fault, which bothers me, but they did reverse one of the fees, so I will accept that.
Regards,
[redacted]