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Fifth Third Bank

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Fifth Third Bank Reviews (1358)

[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 [redacted] , and find that this resolution is satisfactory to me The business did resolve the matter after my complaints to the Revdex.com The card was blocked but the business did respond to my requests to have the card reactivated in a timely manner 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 For your reference, details of the offer I reviewed appear below The ten day period that I spoke of was validated in the business responseIt is referred as a grace period by the company in this responseWhat does a grace period mean? The whole concept of the due date is an agreed upon date that the payment would be in (nothing else)They are unknowingly explaining how they are breaching the contract when they said they are giving me a ten day grace period to get the payment inValidating that they have breached the contractI as a consumer before only have the information that the representatives and bills have led me to believeUntil this incident, the few times when representatives have talked to me something wasn't considered past due until I reached the ten day markAlmost identically to the adjusted way they are defending themselves in their responseIn the payment history they were nice enough to present, it shows that I made the first late payment in before the second payment reached its ten day grace period (As they stated) for being lateBusinesses can't just do whatever they want and have someone just try to manipulate and explain it away to justify itIf all of these definitions are not what is generally represented by the company before contracts are signed, they should be detailed explicitly in the contractThe following is just one of approximately all of the definitions for a grace period on the open internet: "A provision in most loan and insurance contracts which allows payment to be received for a certain period of time after the actual due dateDuring this period no late fees will be charged, and the late payment will not result in default or cancellation of the loan." Additionally, an alternate one which also exemplifies almost every definition on the internet relevant to the defense they are making"A period after a due date or deadline during which an obligation may still be fulfilled without penalty or suspension of benefits."In their own response they are stating they are wrongAm I supposed to interpret their definition of a grace period any different than the rest of society? They have clarified before this incident ensuring me that that ten day period is exactly as these definitions state and their representative verified this in his responseYou can't call something a house and then back peddle when something goes wrong and say that you only meant the kitchen part of the houseThey are only referencing part of the definition that benefits them at this momentThis will go to court if they do not correct itI will not let them do this to anyone else Regards, [redacted] ***

[redacted] *** [redacted] *** Date: March 13, Account: [redacted] Re: Essential Checking Account Dear [redacted] ***: We received a copy of the complaint you submitted to the Revdex.com regarding your checking accountWe 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 youI am sorry if you did not receive any follwhen you previously contacted the BankWhen you opened your Essential Checking account ending in [redacted] on September 4, 2014, we were running our [redacted] promotional campaignIf you opened a new account between July 28, 2014, and October 17, 2014, new customers would receive a $cash bonus, and Fifth Third Bank would make a matching $donation to [redacted] The stipulations of this offer were that a direct deposit transaction and three (3) online bill payments using Fifth Third Bank’s Online Bill Payment service had to post to your account within ninety (90) days of the account opening It is our understanding that after we received your complaint you spoke with [redacted] , Financial Center Manager, at the [redacted] Banking CenterAs he explained, you did not qualify for the $cash bonus because the bill payments that posted to your account were set up as web transfers, not through Fifth Third Bank’s Online Bill Payment serviceHowever, it was certainly not our intention to cause you any hardshipIn the interest of customer service, we have enclosed a check in the amount of the [redacted] promotional cash bonus offer for $I hope this letter meets your satisfaction and resolves your needs Thank you for your patience while waiting for a responseWe regret that you felt the need to close your account, and we certainly hope you will reconsider using Fifth Third Bank for your financial needs in the futureIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, [redacted] Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosure: $Promotional Funds Check

Attached is a copy of our response to [redacted] *ebuttalDecember 17, [redacted] *** Re: Account #xxxxxx [redacted] Dear [redacted] ***, We received a copy of your rebuttal to our previous letter to you, filed through the Revdex.com, concerning your installment loan accountWe appreciate the time you have taken to express your thoughts and concerns regarding this matter We make every effort to provide an exceptional experience to our customers, and I regret that this has not been your experiencePlease be assured we have researched this matter fully, and passed your concerns to the appropriate parties within the BankI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfactionI have confirmed that our records reflect that your payment was backdated to September 2, 2014, and in doing so, the amount of interest due on the account was automatically adjustedI apologize that I stated in my previous letter that the payment was backdated to October when it was actually backdated to SeptemberAs such, no further refund of interest is outstandingPlease note that Fifth Third Bank's installment loans are simple interest loansThis means that each day, the interest due on the current principal balance is calculated and that amount is added to the Interest Due As stated in my letter of November 10, 2014, the Collection Department representative did tell you on October 3, 2014, that $1,was due given that the account was showing as delinquent for September and October and was into a third billing cycleHowever, the past due amount was $889.58, which represented the September and October payments, plus $for a late charge (X $+ $= $889.58)In addition, as we discussed in our telephone conversation on December 3, 2014, Bank policy prohibits us from providing a recorded copy of the telephone conversation between you and the Collection representative The Bank researched the problem of its inability to process account numbers longer than sixteen (16) digits when you brought it to our attentionThank you for helping us discover this issue within our system [redacted] ***, I can assure you that it was not our intention to cause you any frustrationWe regret that you have decided to close your account due to the level of customer service you received with your installment accountOn 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 [redacted] , or toll free at ###-###-####Sincerely, [redacted] Consumer Resolution SpecialistOffice of the President Pc: Revdex.comCarolyn Grieme

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.There were no messages or documents attached to the response that I received from Fifth and Third Bank The response was blank and did not contain any information for me to review Therefor, I do not agree with their response and they did not resolve my complaint [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted]

February 4, [redacted] [redacted] *** [redacted] *** Re: Mortgage Loan [redacted] Dear [redacted] , We received a copy of the complaint you filed with the Revdex.com and your telephone call to the Bank regarding the fees due and escrow account for your mortgage loanWe appreciate the time you have taken to express your thoughts and concerns regarding this matterYour comments expressing less than quality service are very concerningOn behalf of the Bank, please accept my sincere apologies for any inconvenience or difficulty this situation may have caused youWe strive to provide professional and accurate service to our customers, and we regret if that has not been your experienceOn November 6, 20**, fees totaling $ [redacted] for your prior Chapter [redacted] (*) [redacted] filing were billed to your mortgage loanA breakdown for this amount is listed below: - $ [redacted] Attorney Costs - $ [redacted] From May to July 2013, three (3) payments in the amount of $ [redacted] posted to your mortgage loanAs part of each payment, $ [redacted] was applied toward the [redacted] fees noted aboveAs a result, the outstanding amount due at this time is $Your mortgage loan is considered past due for payment if the full monthly payment amount is not posted to your account by the due date indicated on your mortgage note and any applicable escrow noticesA full mortgage payment includes your total principal and interest payment due, plus your monthly tax and insurance obligationsThe monthly payment for your mortgage loan is due on the first day of each monthIf a full payment is not posted to your mortgage loan within the fifteen (15) day grace period, a late charge in the amount of $ [redacted] may be assessedShould your mortgage loan become past due, your account may be subject to late charges, property inspection fees and delinquent payment information reported to the credit bureausDuring that time, we will attempt to notify you via mail and telephone while offering possible assistance optionsThe total amount due on your monthly statement may vary if any outstanding past due payments or fees remain unpaidIt should also be noted that if we do not receive the total payment amount due for your account, any partial payments that we receive may post to the account in an unapplied state and those funds may be reapplied or returned to you at a later timeFifth Third Bank, Member***Equal Housing LenderFifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp I have included the following table showing the payments posted to your mortgage loan from November to September The highlighted row represents the payment that was posted to your account in an unapplied stateThe ‘(L)’ indicates the specified amount was applied toward a late feeRemaining Late/Property Payment Due Total Unapplied Fee Principal Interest Escrow Inspection Date Date Amount Balance Balance Charges Due [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] *** [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] *** [redacted] If we receive notification about delinquent tax or insurance obligations on the property during your loan term, we reserve the right to pay those obligations on your behalf as indicated within page 4, item number [redacted] of your mortgage agreementShould this situation occur, we will add those obligation costs to your regular monthly payment amount, and send you the necessary escrow information by mailIn December 2013, the Bank was made aware of delinquent sewer assessments totaling $ [redacted] that were due for your propertyAs a result, payments for the delinquent assessments were disbursed from your escrow account to [redacted] to satisfy the amount dueThe response letters sent previously regarding this matter are enclosed for your referenceHowever, if the assessments in question are discharged or refunded by the county and you provide documentation confirming this, we are willing to credit the amount specified to your escrow accountFifth Third Bank, Member***Equal Housing LenderFifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp On July 25, 2014, an annual escrow analysis was completed for your mortgage loanDuring we confirmed a shortage totaling $ [redacted] due to the unexpected disbursements noted above and increased cushion requiredSince we did not receive the total shortage by the due date indicated of August 15, 2014, we divided the shortage into [redacted] (**) monthly payments increasing your overall mortgage payment from $ [redacted] to $ [redacted] effective September 1, In our prior correspondence dated November 26, 2014, you were given the option to spread the escrow shortage over [redacted] (**) months to reduce the amount required to pay each monthOn December 3, 2014, you contacted the Bank and requested that we extend the repayment period for the escrow shortageTherefore, your monthly payment was reduced to $ [redacted] effective for the amount due on September 1, The table shown below lists the transactions posted to your mortgage loan from October to January The highlighted rows indicate funds debited from your unapplied balance or checks we issued because those partial payments were insufficient to return the loan to a current state in accordance with our payment proceduresThe ‘(PI)’ represents a property inspection chargeLate/Property Fee Payment Due Total Unapplied Principal Interest Escrow Inspection Balance Date Date Amount Balance Charges Due [redacted] [redacted] [redacted] *** [redacted] [redacted] [redacted] [redacted] *** [redacted] [redacted] [redacted] *** [redacted] [redacted] [redacted] [redacted] *** [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] *** [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] Fifth Third Bank, Member FDICEqual Housing LenderFifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Late/Property Fee Payment Due Total Unapplied Principal Interest Escrow Inspection Balance Date Date Amount Balance Charges Due [redacted] [redacted] *** [redacted] [redacted] [redacted] [redacted] [redacted] *** [redacted] [redacted] [redacted] [redacted] [redacted] *** [redacted] [redacted] [redacted] [redacted] *** [redacted] On December 22, 2014, a corrected escrow analysis was completed for your mortgage loanTherefore, your monthly payment will increase from $ [redacted] to $ [redacted] effective for the amount due on February 1, A copy of this escrow analysis is enclosed for your reviewIt should be noted that the repayment term for the shortage of $ [redacted] shown on your most recent escrow analysis is [redacted] (**) monthsIf you would like to spread the shortage out over [redacted] (**) months, please contact me at the telephone number shown belowIn addition, please be aware that the previously noted [redacted] fees of $ [redacted] and late charges of $ [redacted] , which total $ [redacted] are valid and due on your accountMs [redacted] , please be assured that it was not our intention to cause you any hardship or frustrationWe appreciate your feedback as it assists us in identifying opportunities to improve our systems and the level of service we provide to our customersYou are a valued customer and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please contact me directly at [redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the President

February 25, [redacted] Re: Account # [redacted] Dear [redacted] : We received a copy of the complaint you filed with the Revdex.com dated February 17, 2015, concerning the level of service you received from the Bank when you applied for an equity FlexLine account We appreciate the time you have taken to express your thoughts and concerns regarding this matter Your comments expressing less than quality service are very concerning and I regret the difficulties you experienced I have shared the information you brought to our attention with the management of the Financial Center you mention in your correspondence as well as the appropriate department which processed the loan at the Bank Additionally, customer feedback is reviewed with our regional management 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 I apologize for the difficulties you encountered with the processing of the equity FlexLine account for [redacted] Please be assured that the loan has been opened properly and is reflected in our database A transfer of $ [redacted] was deposited into your checking account ending in [redacted] on February 18, as you requestedMs [redacted] , I can assure you that it was not our intention to cause you any frustration or hardship 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 [redacted] .Sincerely, [redacted] Consumer Resolution SpecialistOffice of the President

Please see attached response [redacted] We received a copy of the complaint you filed through the Revdex.com dated November 30, 2014, concerning your checking 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 two (2) of your claims for fraudulent activity on your checking account have been approved by our Dispute DepartmentThe funds totaling $were returned to your checking account on December 2, In addition, the Dispute Department has given you provisional credit for the other claim of $while they continue to investigate the claimIf the claim is found in your favor, the provisional credit will remain on your account and if the claim is denied, the provisional credit will be removed and you will be responsible for the debtThe Bank has also refunded overdraft charges totaling $on December 2, 2014, and December 3, due to the fraudulent activity on your account.We have removed the hold that was placed on your accountHowever, a restraint is still in effect on your account to prohibit any other debits from being deducted from your account.We empathize with the difficulties you have experienced with your checking accountHowever, we are unable to waive the Early Access loans that you have initiatedAn Early Access loan totaling $was withdrawn from your checking account on December 4, And you are still responsible for the $and $Early Access loans that you initiated on November 13, 2014, and November 17, Please be advised that if your account is not brought to a zero or positive balance, the account will be closed, the negative balance will be charged off, and the account will be reported to [redacted] , an agency that keeps record of charged off deposit accountsAt this time, your checking account has a negative balance of ($476.38) 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 [redacted] , or toll free at ###-###-####.Sincerely,

We received your complaint filed with the Revdex.com, as well as your email sent to the Bank regarding your debit cardWe appreciate the time you have taken to document your thoughts and concerns regarding this matterYour 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 futureYour feedback is important to us, so that we can better understand how we can improve our service to youAdditionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers' satisfactionWe were able to further research your concerns regarding the debit card that was ordered from your checking account and sent to the incorrect addressOur research determined that an error occurred within our systems causing the incorrect address to be overridden on the replacement debit cardAs a result of your feedback, we have changed our card reorder process to ensure this does not happen again in the futurePlease be assured that the Bank does take the safety and security of our customers' personal information very seriously, and we apologize if this situation has led to you believe otherwisePlease find enclosed an offer for [redacted] , which is a precautionary measure to further minimize the risk of fraudulent transactions or identity theft resulting from this matterThe letter you received from the Bank dated January 10, 2015, regarding an address change was sent to you as a result of the banking center manager changing the address on that debit card back to your addressWe apologize for any confusion this may have caused you*** [redacted] , you are a valued customer and we appreciate your patience while we conducted our researchIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####Sincerely, [redacted] Executive Support Specialist Office of the President

Revdex.com: This was not a ***" transaction This was transferred from my credit union account to my 5/account under what's call "***" I don't understand how or why 5/stated it was a ***transfer Also can 5/tell me why a curtailment payment to my mortgage loan was applied as "unapplied credit" when I stated on the transfer to apply to the principle? I've heard a lot of excuses, but lately I am starting to think this is bad business practices I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.[To assist us in bringing this matter to a close, we would like to know your view on the matter.]Regards, [redacted]

FIFTH THIRD BANK September 30, [redacted] Re: Checking Account xxxxxx [redacted] Credit Card xxxxxxxxxxxx [redacted] Dear Ms***, We received the complaint you filed with the Revdex.com regarding the service you received when contacting Customer ServiceWe appreciate the time you have taken to express your thoughts regarding this matter Your comments expressing less than quality customer service are very concerningWe strive to provide professional service to our customers and I regret if this is not the level of service you received Please be assured that we have passed along your comments to the appropriate parties in order to be fully addressedWe sincerely apologize for any frustration this may have caused you In your complaint, you referenced the charging of monthly service feesIn reviewing your [redacted] *** accounts, a checking account and a credit card account, I was unable to locate that you were charged any monthly service fees during the previous [redacted] *** statementsI have enclosed copies of these statements for your reviewIf you have monthly service fees that you would like more information regarding, please contact me at the number listed below so that we are able to further research We try to balance providing you with a product that meets all of your needs while also protecting you as well as the Bank from significant fraud lossesPlease be assured that we take every precaution to minimize your inconvenience while minimizing your fraud exposureWe advise customers that are traveling to call Customer Service to inform the Bank of their tripI apologize if you were not satisfied with the service you received during these interactions We appreciate your feedback regarding this matter as it assists us in improving the level of service that we provide to our customersIf I could be of further assistance, please call me at [redacted] Consumer Resolution Specialist Office of the President Pc: Better Business Bureau Enclosure: Statements

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 complaintAs far as your reasons for calling the police, it's BSYour staff made an error and could not explain itI could careless, police do not bother meYour manager just took a policeman away from the community for nonsense and he could have been dealing with a real issueI'm not surprised, 5/is all about bsI have also made a public complaint on you all to consumer affairsI will continue to complain on any platform I findI may even set up a social media page to make people aware I am still waiting on someone to explain to me why part of my money was dispensed to me at the counter by [redacted] ' cashier, then when I requested the rest of my money they all of a sudden needed another form of IDDid my identity appear to change while I was standing at the counter? Regards, [redacted] ***

Attached is a copy of our response to the complaint filed by Ms*** [redacted] *** Re: Account #xxxx xxxx xxxx *** Dear [redacted] ***: We received a copy of the complaint you filed through the Revdex.com dated December 28, 2014, concerning the balance transfers you requested be made to your Fifth Third Bank credit card account We 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 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 concernsOur records reflect that on November 18, 2014, you applied online for a Platinum [redacted] credit card from Fifth Third Bank Our records also reflect that you input the balance transfer request when you applied online for the account The information you provided on the balance transfer request was for a transfer of $ [redacted] to Bank of America to be applied to your account with them ending in *** In addition, you requested that a transfer of $ [redacted] be made to [redacted] be applied to your account with them ending in *** In conclusion, this was not a Bank error We empathize with the difficulties you encountered with the account Therefore, in the interest of customer service, we reversed the finance charges totaling $ [redacted] on December 23, This transaction will be reflected on your next monthly statement I can assure you that it was not our intention to cause you any frustration or hardship 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 [redacted] Sincerely, [redacted] Consumer Resolution SpecialistOffice of the President [redacted]

October 31, [redacted] Re: Installment Loan [redacted] Dear Ms[redacted] , We received a copy of your complaint filed with the Revdex.com, concerning your Fifth Third Bank account We appreciate the time you have taken to express your concerns regarding this matter On behalf of the Bank, I apologize for any inconvenience this issue might have caused youWhen a customer contacts the Bank we expect each situation will be handled in a professional manner I apologize that this was not what happened when you initially contacted us On October 27, 2014, the payoff of $ [redacted] posted to your account and the late charge of $ [redacted] was waivedAn overpayment refund check in the amount of $ [redacted] was mailed separately to the address listed above on October 30, The final payoff will be processed within [redacted] *** business days, and the installment loan will be closed at that time We have completed our review of the payment history reporting on your credit report for your installment loan accountOur review determined that the information provided to the credit reporting agencies is accurateOur records do not indicate that the Bank is reporting your installment loan account negatively If you would like to contact the credit reporting agencies directly, their contact information can be found below: If after you review the information being reported to the credit bureaus and you find that the information being reported is incorrect, please forward details regarding the incorrect information and a copy of the relevant portion of your credit report that shows the to the following address: Fifth Third Bank [redacted] Alternatively, you can fax this information to my attention directly at [redacted] It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this accountWe believe your issue was resolved accordingly, and I hope that this letter will meet your satisfaction We appreciate the opportunity to respond to this matterIf I could be of further assistance to either of you, please call me directly at [redacted] or toll free at [redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the President Pc: Revdex.com

February 12, [redacted] *** [redacted] *** [redacted] *** Re: Mortgage Loan Application Dear [redacted] ***: We received a copy of your complaint filed with the Revdex.com concerning your recent mortgage loan applicationWe appreciate the time you have taken to express your concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for the level of service you received during this processPlease be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customersAfter receiving your letter, I forwarded your concerns to the relevant parties in our Mortgage Loan Origination Department who thoroughly researched this matterI 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’ satisfactionTo maintain the security of your account, I am sending this letter to the address we currently have on record for youI noticed that the address you use in your complaint is differentAccording to our security protocols, I cannot update your mailing address based upon your correspondenceI encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updatedThe Customer Service Department can be reached at [redacted] I can be reached at the telephone number listed belowAccording to our records on October 14, 2014, we received your application for a [redacted] (**) year mortgage loan of $ [redacted] The [redacted] (***) was generated and sent to you within three (3) business days of applicationThe [redacted] gives you an estimate of your settlement charges and loan termsThis estimate included the cost of an investment property appraisalFinal terms of the mortgage loan are contingent upon our confirmation of the factors and conditions you submitted with your applicationThe [redacted] was re-disclosed because the appraisal did not confirm your original estimate of the value of the propertyThe loan to value ratio of the loan went from**% to**%This change caused a change in the loan pricingEnclosed is a copy of that appraisal for your recordsIt was certainly not our intention to cause you any inconvenience or frustration during this processUnfortunately, we are unable to refund you for the appraisal or any other non-refundable and agreed upon fees you paid during the application processIf you wish to inquire or apply for a mortgage loan with us again in the future, you have several options available including on the internet at 53.com, visiting your local Fifth Third Bank financial center, or by calling our Direct Lending Group at [redacted] Fifth Third Bank, Member FDICEqual Housing LenderFifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Ms***, we hope this information addresses your concerns and we sincerely hope that you will reconsider Fifth Third Bank for your financial needs in the futureIf I could be of further assistance to you, please call me at [redacted] or toll free at [redacted] Sincerely, [redacted] 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 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 PLEASE CONTACT ALL CREDIT BUREAUS AND REMOVE ANY VERBIAGE ABOUT A DISPUTE ALL DISPUTE WORDING NEEDS TO BE REMOVED FROM OUR CREDIT REPORT ALSO, FREDDIE MAC (WHO'S SERVICING THE LOAN) NEEDS TO BE CONTACTED AND ALL LATE REPORTING WITH THEM NEEDS TO BE REMOVED OUR LOAN PROCESSOR FOR OUR REFI SAID WE CAN'T FINALIZE UNTIL ANY DISPUTE WORDING IN CREDIT REPORT IS REMOVED AND FREDDIE MAC UPDATES THEIR REPORTINGWE NEED THIS COMPLETED ASAP AS THE LOAN PROCESSOR JUST RE-RAN OUR CREDIT REPORT TO CLOSE AND NEEDS THIS FIXED Regards, [redacted] Revdex.com [redacted] ***Fifth Third Bank [redacted] ** [redacted] Dear [redacted] ***: This message is regarding complaint ID [redacted] submitted to Revdex.com about your business on 2/2/11:37:AM by [redacted] We received the information listed below from your customer This complaint has been closed as resolved If you have any questions, we are happy to assist you In addition to complaint information, Revdex.com Business Reviews also include basic background information about businesses This data is used to calculate a rating for your business This may be a good time to update your information by visiting us online at Revdex.com.org/cincinnati/join/ Thank you for your cooperation in this matter and for your support of our self-regulatory goal Regards, [redacted] *** [redacted] MESSAGE: [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 PLEASE CONTACT ALL CREDIT BUREAUS AND REMOVE ANY VERBIAGE ABOUT A DISPUTE ALL DISPUTE WORDING NEEDS TO BE REMOVED FROM OUR CREDIT REPORT ALSO, FREDDIE MAC (WHO'S SERVICING THE LOAN) NEEDS TO BE CONTACTED AND ALL LATE REPORTING WITH THEM NEEDS TO BE REMOVED OUR LOAN PROCESSOR FOR OUR REFI SAID WE CAN'T FINALIZE UNTIL ANY DISPUTE WORDING IN CREDIT REPORT IS REMOVED AND FREDDIE MAC UPDATES THEIR REPORTINGWE NEED THIS COMPLETED ASAP AS THE LOAN PROCESSOR JUST RE-RAN OUR CREDIT REPORT TO CLOSE AND NEEDS THIS FIXED Regards, [redacted] Revdex.com [redacted] ** *** Dear [redacted] :Thank you for using your Revdex.com as a resource to resolving your complaint ID [redacted] submitted on 2/2/11:37:AM against Fifth Third BankSince you have accepted Fifth Third Bank’s response, we are closing this complaintIf you and Fifth Third Bank have reached an agreement and compliance is set for a future date, we trust they will follow throughIf this does not happen, contact us and we will review the complaint and proceed accordingly.Your complaint is now part of the Revdex.com Business Review and details will be posted on Revdex.com.org, if it meets our online standardsWe encourage you to stay in touch with Revdex.com for great tips and information with our consumer e-newsletter or find a business you can trust with our Request A Quote serviceRegards, [redacted] *** [redacted]

[redacted] Date: March 13, Account: [redacted] Re: Escheated Escrow Surplus Check Dear [redacted] : We received a copy of your complaint filed with the Revdex.com regarding your mortgage loan accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matterWe completed the annual escrow analysis on August 26, During this analysis, which is enclosed for your review, we determine there was an escrow surplus of $In accordance with the Real Estate Settlement Procedures Act (RESPA), we mailed a $check to you on August 26, 2010, using the address listed aboveHowever, our records indicate that this check was never cashedOn August 29, 2014, we sent a letter to you explaining the check was not cashed and that the state of [redacted] requires us to notify you that these funds may be transferred to the state if you do not claim themThe enclosed letter states that you needed to contact the Bank by September 29, 2014, to prevent the $from being sent to the state of ***Our records indicate that you contacted the [redacted] Banking Center in September 2014, regarding the letter you receivedHowever, you did not bring the notice with you and you were advised that we needed the information that was listed on the notice in order to assistYou contacted the [redacted] Banking Center again with the necessary information on December 29, The financial center manager submitted the request to have a new check reissuedUnfortunately, the funds had already been sent to the state of [redacted] so we could not reissue the check to you at that timeWe have determined that the banking center staff should have contacted the Escheatment Department when you first visited banking center in September This would have prevented the funds for your escrow surplus check from being escheated to the state of ***Because of this Bank error, we are able to reissue the $to youI have confirmed that you spoke to Financial Center Manager [redacted] and provided the necessary documentation for us to reissue the checkIt is my understanding that [redacted] attempted to contact you via telephone to verify if you wanted to pick the check up in the banking center or have it mailed to you [redacted] has advised she was unable to reach you; therefore, the $check was mailed to you at the address listed above on March 9, If you do not receive this check by March 23, 2015, please contact me directly using the phone number listed below.We appreciate your patience while we researched this matter and we value your businessIf I can be of any further assistance, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely,' [redacted] Senior Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosure: Escrow Analysis, Escheatment Letter

[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 Regards, [redacted] I have spoken to them over the phone and they have finally agreed to send final statement on 1/which when I receive statement I will return return payment thenPayment will probably not be made by 1/14/since it is now 1/12/and no statement has been received

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 am hoping that I can get some assistance in regards to a Revdex.com complaint that I made about Fifth Third Bank I am unsure when I made this complaint and unfortunately for me, I did not write down a confirmation number This occurred within the last year or two In the response from Fifth Third Bank, they were resolving my issue, however, I received a phone call today stating a collection agency is suing me over this matter I am looking to see if you can look up my Revdex.com by my name? [redacted] ( [redacted] - maiden)Last of my social- ***

Final response to [redacted] is attached December 23, [redacted] 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.Dear Ms [redacted] ,We received a copy of your complaint filed with the Revdex.com regarding your checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced.If you have outstanding ACH (Automatic Clearing House) payments that you wish to stop from posting to your account, you have the ability to make arrangements with the payees involved or place a stop payment for each itemWhen requesting a stop payment, we require the exact details of the ACH item including the item date, the payee involved, and the payment amount at least three (3) business days or more before the payment is scheduledShould we not receive sufficient details or the stop payment is requested less than three (3) business days prior to the scheduled date, the stop payment may not prevent the ACH item from being paid on your account.The Bank will not be liable for any stop payments which involve insufficient information or requests that are made less than three (3) business days or more beforehandAfter a stop payment is processed, a fee of $will typically be assessed to your accountI have enclosed a copy of our Rules and Regulations handbook for your reviewPages twenty (20) and twenty-one (21) provide additional information regarding stop payment of preauthorized ACH transfersPage fifteen (15) paragraph twenty-two (22) provides additional information regarding stop payment of a check On November 21, 2014, you requested the following stop payments: Payee: [redacted] Amount: $Check #: 1190Item Date: 11/17/14Payee: [redacted] Amount: $Item Date: 11/21/14Payee: [redacted] Amount: $Item Date: 11/21/14Payee: [redacted] Amount: $Item Date: 11/21/14Payee: [redacted] Amount: $250.00Item Date: 11/21/14Payee: [redacted] Amount: $50.00Item Date: 11/21/14Payee: [redacted] Amount: $1,Item Date: 11/21/ The information you submitted regarding a stop payment on check number to [redacted] for $was correct; therefore this item was returned to your account on December 8, 2014.The exact dollar amount of the [redacted] item was $and you requested a dollar amount of $We require the exact dollar amount; therefore this stop payment was not effectiveThe payment of $to the payee [redacted] has not been presented for payment.The exact name of the payee for one of the items you requested is [redacted] and you requested a stop payment with the payee name of [redacted] The exact name of another payee is [redacted] LLC and you requested a stop payment with the payee name of [redacted] The exact name of another payee is [redacted] and you requested a stop payment with the payee name of [redacted] Also, the payment of $1,has not been presented for paymentWe require the exact name of the payee(s) and the payee(s) provided was incorrect; therefore these three (3) stop payments were not effective.It is certainly not our intention to cause you any hardshipAs a valued customer, we have waived overdraft fees totaling $in the last twelve (12) monthsWe have also waived stop payments fees totaling $Please be aware that we are unable to waive any additional *** [redacted] , thank you for your patience while waiting for a responseYou 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 call me directly at ###-###-####, or toll free at ###-###-####.Sincerely, [redacted] Enclosure: Rules and Regulations

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Address: 384 1st St, Watervliet, Michigan, United States, 49098-5104

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