Fifth Third Bank

[redacted]. [redacted] Date: May 26, 2017 Regarding Your Mother’s Fifth Third Bank Account Dear [redacted]: We received a copy of the follow-up complaint you filed with the Revdex.com. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed your concerns on to the relevant parties within the Bank. After reviewing the documentation you provided and contacting the attorney for your mother’s estate, we have decided to issue a check for the proceeds in the account minus the amount your aunt received when the account was closed. A check for $151.00 payable to [redacted] as Executrix of the Estate of [redacted] has been sent separately. It is our hope that this provides a positive resolution to your concerns. 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, Alison S. Office of the President

Fifth Third Bank has previously responded to and addressed all concerns. At this time we have no additional response or information to add. Thanks. Adam P.Consumer Resolution SpecialistFifth Third Bank | Office of the President5050 Kingsley Dr.MD 1MOCOPCincinnati, OH 45263

[redacted] Date: March 17, 2017 Account: [redacted] Regarding the Hold Placed on Your ATM Deposit Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding the hold placed...

on your Automated Teller Machine (ATM) deposit. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. Thank you for taking the time to speak with me regarding your complaint on March 14, 2017. Upon receiving your complaint, we reviewed your deposit activity, and as a courtesy to you, decided to remove the hold on your deposit making all funds available to you. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal Regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud. In some instances, we reserve the right to place a hold of a longer period of time on a deposit. The full amount of the deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the seventh business day after the day of your deposit. On March 12, 2017, you deposited a non-Fifth Third check for $1,104.00. Per Federal Guidelines, because your checking account had been overdrawn six (6) or more banking days within the past twelve (12) months, this deposit was placed on hold and a notification letter indicating this hold reason was sent to the address we have on file for you. Originally, the funds would not become available until March 22, 2017, but as discussed previously, the hold was removed by our office on March 14, 2017. During our conversation you also informed me that you have not yet received your state tax refund check and questioned whether a hold would be placed on that deposit as well if you deposit it via an ATM. I have confirmed your state tax refund check was deposited at a Fifth Third Bank ATM on March 15, 2017, and posted on March 16, 2017. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. 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

Please find attached a copy of the letter being mailed to the customer today. The checks will be sent to the customer in the mail along with the letter. Thank you. January 8, 2015[redacted]Re: Installment Loan [redacted]Dear [redacted]:We received a copy of the rebuttal you submitted the Revdex.com regarding your installment loan. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies if our previous responses did not address all of your concerns.We conducted a further review into the posting of the payments to your installment loan ending in [redacted]. On September 3, 2014, an ACH (Automated Clearing House) payment of $437.29 posted to your installment loan. As you are aware, this payment reversed on September 8, 2014. When you set up a new ACH payment with our Collection Department, they informed you that they would back-date your new payment to September 2, 2014. On September 12, 2014, the second (2nd) ACH of $437.29 posted to your installment loan. On September 16, 2014, this payment was back-dated to September 2, 2014. However, on September 17, 2014, this payment also reversed. A third (3rd) ACH payment of $437.29 posted on October 3, 2014, and reversed on October 8, 2014.On October 9, 2014, a [redacted] payment of $889.58 posted to your installment loan. Per the instructions of our Collection Department, the entire payment was back-dated to October 3, 2014, rather than $437.29 of the payment being back-dated to September 2, 2014, and the remainder being back-dated to October 3, 2014. I am sorry that the payment was not reapplied correctly at this time, and we truly regret the misinformation we provided in our previous letter dated December 17, 2014. Based on the research completed by our Collection Department, it was our understanding at the time that the payment had been properly backdated. Again, please accept my deepest apologies for this misunderstanding.It was certainly not our intention to cause you any hardship. Our research determined that additional interest of $1.16 accrued because the payment was not back-dated correctly. Therefore, after confirming that the reimbursement check of $26.01 that we previously issued to you is still outstanding, we placed a stop payment on the check, and reissued the enclosed check of $27.17. We also enclosed a check of $15.95 to reimburse you for the [redacted] fee per our previous agreement. I hope this letter meets your satisfaction and resolves your needs.On October 21, 2014, we received and posted your final payment of $25,360.70. You installment loan is now closed as paid in full. We are very sorry to lose you as a customer, but we truly hope you will reconsider using Fifth Third Bank for your financial needs in the future.    Thank you for your patience while we conducted our additional research. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####.Sincerely,[redacted]Senior Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosures (2): Checks

[redacted] 
[redacted] 
[redacted] Date: June 17, 2016 Regarding the Inquiry on Your Complaint Dear [redacted]: We received your Revdex.com complaint regarding your prequalification for a mortgage loan. We appreciate the time you have...

taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, I apologize for the difficulties you have experienced. It was certainly not our intention to cause you any undue hardship or frustration. Your comments expressing less than quality service are very concerning and we regret the difficulties you experienced. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. 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. Additionally, I was able to confirm that as you requested your husband’s credit was not run. Please be advised the Federal Housing Administration (FHA) preapproval require a secondary review for FHA rules compliance and can result in delays as the prequalification of your husband by himself would start a whole new application process. We appreciate your patience while we researched this matter and apologize for any inconvenience this situation 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, Shannon K. Office of the President

October 8, 2014
[redacted]
[redacted]
[redacted]
Re: Installment Loan XXXXXX[redacted]
Dear Mr. [redacted],
We
received a copy of the complaint filed with the Revdex.com
regarding the telephone calls you received regarding your Fifth Third Bank
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. Please be
assured that Fifth Third Bank takes your feedback regarding your experiences
very seriously. When a customer contacts the Bank, we expect that each
situation will be handled in a professional manner. Our Consumer Contact Center
strives to provide outstanding service during every telephone call they receive
throughout the day. I am sorry if your telephone call experiences did not meet
the same high standard.
Your
installment loan is considered past due for payment if we do not receive your
total monthly payment by the due date, which is the [redacted]
of each month. The final calendar day of your ten (10) day grace period is not
considered the due date for your payment obligations. The grace period
indicates when a late charge will actually be assessed to your loan for a past
due payment. During that time, our Collection Department will attempt to notify
you via the telephone numbers we have on file for you in an effort to obtain a
payment or to arrange suitable payment arrangements. It may be necessary for
our Collection Department to ask questions regarding your current financial
situation to help determine appropriate payment arrangements. It was certainly
not our intention to cause you any undue hardship and we sympathize with the
frustration these phone calls have caused you.
In
your complaint you mention that when trying to make a payment, the Bank would
not accept the funds. We do not have any evidence that we refused to accept a
payment in the past. We would like to research this further to determine what
may have occurred when you attempted to make a loan payment. If you have any
documentation or further information about a specific instance when we refused
to accept a payment from you, please provide the information and we will
further research your concerns. You may contact me directly at the phone
numbers listed below or fax any supporting documentation to my attention at
[redacted].
You
may wish to consider using Auto BillPayer. Auto BillPayer enables you to have
payments automatically deducted from your non-Fifth Third Bank checking account
each month on the due date or any date within the grace period. This will
eliminate the need to mail your payments. If you are interested in signing up
for Auto BillPayer, please contact our Auto BillPayer Department at [redacted]
[redacted]. If you utilize Auto BillPayer and a payment date is setup every month
during the grace period, our Collection Department will not contact you during
the grace period.
Mr. [redacted], I
understand your frustration when this situation occurred and we appreciate your
patience while waiting for a response. You are a valued customer and we look
forward to serving your financial needs in the future. If I can be of any
further assistance, please contact me at [redacted], or toll free at [redacted]
[redacted]
Sincerely,
[redacted]
Consumer Resolution Specialist Office of the
President
Pc: Revdex.com

We received your complaint filed with the Revdex.com, as well as your email sent to the Bank regarding your debit card. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very...

concerning and have been addressed and forwarded to the appropriate personnel. On behalf of the Bank, I apologize for any inconvenience this issue may have caused you. When 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 and we expect that this will not be the case in the future. Your feedback is important to us, so that we can better understand how we can improve our service to you. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers' satisfaction. We were able to further research your concerns regarding the debit card that was ordered from your checking account and sent to the incorrect address. Our research determined that an error occurred within our systems causing the incorrect address to be overridden on the replacement debit card. As a result of your feedback, we have changed our card reorder process to ensure this does not happen again in the future. Please 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 otherwise. Please 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 matter. The 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 address. We apologize for any confusion this may have caused you. [redacted] [redacted], you are a valued customer and we appreciate your patience while we conducted our research. If 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:
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.  I do not believe the bank's assertion that they had information that the check may not be paid, and the fact that it was paid indicates that this is not really believable.  Further, I would have accepted and expected a reasonable hold, but their hold was excessive and I believe the check had been paid much earlier.  Their letter, which was dated February 29 was not received until 1 day before the funds came available and not in a timely manner.  Further I asked at the bank at the time of deposit and was told the funds would be available when they showed up on-line as being available.  On February 29 on-line banking made them fully available and I believe that the check was most likely paid by then.  But I do not require any further action as I have begin the process of moving my funds to another institution and will be closing the account.
Regards,
[redacted]

[redacted] Date: March 10, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the follow up letter you sent to the Revdex.com regarding your mortgage 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 or frustration 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 concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. According to our records, when the loan was originated in September 2005, the Bank ordered an appraisal of the property from [redacted]. At that time, the property was appraised at $47,000.00. A copy of that appraisal is enclosed for your review. When a customer disagrees with the appraised value of the property during loan origination, there is a procedure in place at the Bank that allows a customer to request that a new appraisal is ordered; however, the process to dispute the appraised value must occur within a reasonable timeframe during the loan origination process. Unfortunately, the ability for you to dispute the appraised value of the property is now outside of that timeframe. Please also be aware that a property appraisal is performed by a disinterested third party, in this case [redacted]. The appraisal in question was not performed by the Fifth Third Bank. If I could be of further assistance to you, please call me at ###-###-####, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosure (1): Appraisal

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]
This is a falsehood and they are using it to deny this is their fault.  Their people told me on the phone when I called in the first time that their system was not reporting the mortgage.  If the reporting would have started up by april I believe I was told it would have been fine but not only did they not originally  start reporting it at the end of my bankruptcy they also drug their feet in correcting this issue causing the problem as it is.

[redacted],I regret that the customer is dissatisfied with our responses, but we fully researched this issue and have already responded to her twice.She did not provide any additional information in this most recent rebuttal. We consider this issue closed.Thank you,Lisa S.| Fifth Third Bank Consumer Resolution Specialist| Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263P: ###-###-#### F: ###-###-#### email: [redacted] Please note any correspondence/emails received will be included as part of the customer’s complaint file.**

[redacted]Date:        April
17, 2015Account: [redacted]Re: Real Life Rewards Credit CardDear [redacted]:We received a copy of the complaint you filed with the RevDex.com concerning your...

Real Life Rewards Credit Card. We appreciate
the time you have taken to document your thoughts and concerns.On behalf of the Bank, please accept my sincere apologies for any
inconvenience this matter may have caused 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 concerns are
reviewed by our senior and executive management teams as part of our ongoing
commitment to improving our customers' satisfaction.To maintain the security of your account, I
am sending this letter to the mailing address we currently have on record for
you. I noticed that the address you use in your complaint is different.
According to our security protocols, I cannot update your mailing address based
upon your complaint. I encourage you to call customer service to make sure your
address is properly updated. They can be reached at ###-###-####, Monday
through Friday, 7 a.m. to 8 p.m., ET, and Saturday 8:30 a.m. to 5 p.m., ET.On January 30, 2015, [redacted] attempted to deposit a
$1,000.00 check into your checking account. This check was accompanied by a
mortgage loan substitute payment ticket, which processed the check as a payment
to the mortgage account ending in 8251. I
am sorry for any miscommunication that may have occurred in the processing of
this transaction.On February 5, 2015, Auto BillPayer processed
the scheduled payment of $910.26 from your Established Checking account ending
in [redacted]. Because the funds were not
deposited into the checking account on January 30, 2015, this transaction
caused the account to overdraw, and the overdraft protection provided by the
Real Life Rewards Credit Card account ending in [redacted] transferred $718.41 into your checking account, bringing the
balance of the account to zero. Please note that any time a credit card covers
an overdraft for your checking account, the daily APR of 24.99% for a cash
advance is assessed to the amount that was transferred to the account.The Real Life Rewards Credit Card was
assessed the following:$14.96 interest charge for cash on March 5, 2015$25.00 late payment fee on April 2, 2015$0.04 interest charge for current purchases on April 3, 2015$14.96 interest charge for cash on April 3, 2015.In
the interest of customer service, as of April 15, 2015, we reversed the total
of $54.96 in late fees and interest charges that were assessed for this
transaction on the Real Life Rewards Credit Card. On April 17, 2015, we also
reversed the $12.00 overdraft transfer fee that was assessed to the Established
Checking account on February 6, 2015. A payment was made to the account on
April 10, 2015, in the amount of $718.41 to bring the account balance to zero.
I hope this letter meets your satisfaction and resolves your needs.We
strive to provide professional and accurate service to our customers, and I
apologize for any inconvenience this may have caused you. If I could be of
further assistance to you, please call me directly at ###-###-####, or toll
free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Consumer Resolution Specialist Office of the
PresidentPc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
-They are not accepting the payment I provided over the phone providing them my bank routing number as well as my account number. They say funds are insufficient. However, I transferred money into my account and know the amount was sitting there for them to withdraw the amount.  They said they would try again, but the money is still sitting in my account. -I am looking for a home and this is damaging my credit and is very concerning to me that they keep making my account defaulted with no invoice being mailed or emailed. How is a business that large allowed to not communicate with clients when that is their major source of income? They will not allow me to sign up for auto draft without being on hold for 40 minutes. They do not even e-mall or allow online payments. They are intentionally preventing clients from paying so they can assess additional fees and ruin credits. -After providing them my phone number 240-5810-0192 and my bank account information, they come back and say the phone number is not working as well as my payments come back insufficient. How can all these things go wrong when I am willing to resolve the issue?  Their statement about if they cannot reach me, they will look into their system to see who is related to me or associated with me cannot be legal. I do not want them to contact anyone they believe or assume is related to me. The folks getting the calls are not happy about it and never signed up to be contacted.  The proper resolution for me is to remove all the late payment reports removed from my credit and for Fifth Third bank to begin mailing monthly invoice statements. 
Regards,
[redacted]

Please see the attached response to the complaint filed by [redacted] December 19, 2014[redacted]Re: Real Life Rewards Credit Card [redacted]Dear Mr. E[redacted]We received a copy of your complaint filed with the Revdex.com, regarding a...

Fifth Third credit card account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter.On behalf of the Bank, we would like to offer our sincere apologies for any confusion or inconvenience this matter may have caused you. Please be assured that we have contacted the relevant parties to fully research the credit card application in question and passed on your concerns. It is a common practice for the Bank to offer customers products and services that may be of value to them. However, it is certainly not our intention to enroll customers for a product they do not want.While visiting the [redacted] Financial Center on November 13, 2014, it is our understanding that you decided to apply for a new credit card account versus the credit card limit increase on your existing card you had originally inquired about. After discussions with our staff at the [redacted] Financial Center, you decided not to proceed with the credit card limit increase after hearing about the offer of 0% for twelve (12) months and rewards offered on the new credit card account. Our staff also advised that your credit would need to be pulled to approve a credit increase or to open a new card.Due to this reason, the Bank employee you spoke with believed that you agreed to apply for the credit card and an electronic application was submitted on your behalf on that same day. Once the application was submitted, the Bank employee followed up with you for further information to provide to our Underwriting team. It is our understanding that, although it was not ideal for you to provide your Social Security Card and signature, you did so to obtain the limit that was offered to you in your preliminary approval. As a result, the Real Life Rewards credit card account was opened and issued for you the following month.Since that time, no transaction activity has occurred on the credit card and the account was closed with a zero balance per your request on December 8, 2014. It is standard procedure for us to submit an inquiry to the credit bureaus while reviewing your credit report per your request. However, we understand your frustration when this situation occurred and we sympathize with the difficulties you encountered. Therefore, as a courtesy to you we have removed our reporting of this credit card account and inquiry to the relevant credit bureaus. Please allow up to thirty (30) days for the credit bureaus to process and complete this reporting update. You may present this letter as proof of the update should you apply for any additional loans or credit during that time.   Mr. [redacted] it was certainly not our intention to cause you any frustration or undue hardship. We strive to provide professional and accurate information to our customers when inquiring about their credit bureau information, and we sympathize with the difficulties you encountered. If I could be of further assistance to you please contact me at [redacted]Sincerely,

[redacted] Date: August 25, 2016 Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Bonus Dear [redacted]: We received a copy of the complaint you filed with the Better...

Business Bureau regarding your Fifth Third Bank Essential checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Our research confirmed that you opened your checking account ending in [redacted] on February 27, 2016, over the telephone with our Retail Direct Sales (RDS) team. We confirmed with the RDS team that your account was opened during our quarter one (1) Can’t Wait campaign. However, in reviewing your account opening, the promotional offer was not discussed during the account opening. The Can’t Wait campaign for quarter one (1) offered a $200.00 bonus to new customers that met certain qualifying activities. These activities included making three (3) online bill payments, using Fifth Third Bank’s online bill payment service and setting up a direct deposit within the first 90 days after account opening. I have enclosed a copy of the promotional offer for your review. On behalf of the Bank, please accept my sincere apologies if the information regarding the bonus requirements were not thoroughly explained at that time you opened your account. I understand that you have made several trips to the Bank as well as made several phone calls regarding this matter in an attempt to resolve the issue. Please be assured that I have forwarded this information to the appropriate personnel. I reviewing your account and confirmed that you did not made three (3) online bill payments as required to receive the bonus. However, our research determined you were not informed of the qualifying activity requirements at the time of account opening. Therefore, we have credited your checking account with the $200.00 promotional bonus. 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 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Can’t Wait Campaign Flyer

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.   
As I previously stated I was not informed of anything on this account.  The documents mentioned by the bank are addressed to my daughter and not to me.  Again, If there was an issue with the account that could affect my credit or anything else pertaining to me the bank had a legal obligation to notify me independently and they did not do that.  I was never sent a letter addressed to me from the bank.  I was never informed that there was a balance and I was never told that my name would be reported to check systems.  There is no reason for fifth third bank to be taking this action against me.  I have accounts with them currently that I have had for years and I have never had any incidents.  Reporting me to credit agencies and [redacted] is unethical and illegal.  I have not written a bad check, I have not deposited a bad check, I have not signed off on a bad check, no checks have been deposited into my account that were not good and I have not overdrawn my accounts or abused them in anyway. Fifth Third needs to remove my name from [redacted] and they need to unmark my credit file.  I do not owe them any money and I have been a good and loyal account holder.
Regards,
[redacted]

[redacted]Date: July 29, 2015 Account: [redacted]Regarding Your Fifth Third Equity LoanDear [redacted]:We received a copy of your complaint filed with the Revdex.com; regarding the level of service, you received from our Consumer Contact...

Center when attempting to refinance your equity loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter.It was certainly not our intention to cause you any undue hardship and we sympathize with the difficulties you encountered. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns.I understand your frustration when this situation occurred. However, our Consumer Contact Center strives to provide professional and accurate service during every telephone call they receive throughout the day. Unfortunately, you did not experience this type of service.Upon receiving your complaint, I contacted our Retail Direct Sales team with your loan information. An agent will contact you to discuss loan options that will enable you to possibly lower your monthly payment.Thank you for your feedback as it assists us in identifying problems and to continuously improve the level of service we provide to our customers. 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 PresidentPc: 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 transactions that were addressed in [redacted] letter are not all of the transactions being disputed. There is a prepaid card opened in my husbands name that is not ours ( which we had two ID alerts for this within the 4 week time frame). Many calls were made about this by both my husband and I and it was not stopped. Also my husband did a 4300$ transfer from his personal account into our joint, which never made it. As well as multiple transactions were said to be being online transferred from our joint into his personal which never went to his account and we were not the ones doing it. If they pull up the accounts they can see where it is coming out of our joint but not going into his personal. We have no idea why this kept happening. I have all the dates and reference numbers for these transactions. 
Regards,
[redacted]

Please find below the text  of the letter and a listing of enclosures being mailed to the customer. Thank you. [redacted] [redacted] [redacted] [redacted] Date: February 15, 2017 Account: [redacted] Regarding Your Fifth Third Bank...

Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your vehicle installment loan. We appreciate the time you have taken to express your concerns regarding this matter. Enclosed please find copies of your loan payment history and note. If after you review the enclosed documents you find that the account is incorrect, please forward details regarding the incorrect information to the following address: Fifth Third Bank 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. Please refer to page two (2) of your security agreement which provides you with information regarding late payments to your installment loan. Specifically, item fifteen (15) defines default as: ** You do not make any payment on or before it is due; ** You do not keep any promise you made in this Agreement; ** You do not keep any promise you made to us in another contract, note, loan or agreement with us; ** You made any untrue statement in the credit application for this Agreement; ** You committed any forgery in connection with this agreement; ** You die, are convicted of a crime involving fraud or dishonesty, or are found by a court with jurisdiction to do so to be incapacitated; ** You file bankruptcy or insolvency proceedings, or anyone files bankruptcy or insolvency proceedings against you; ** You take the Vehicle outside the United States or Canada without our written consent; ** You use the Vehicle or Allow someone else to use it in a way that causes it not to be covered by your insurance; ** You do something that causes the Vehicle to be subject to confiscation by government authorities; ** The Vehicle is lost, stolen, destroyed or damaged beyond economical repair, and not fixed or found within a reasonable time; or ** Another creditor tries to take the Vehicle or your money on deposit with us by legal process. Furthermore, section sixteen (16) item b states: REPOSSESSION: We can repossess the Vehicle, unless prohibited by law. We can do this ourselves, have a qualified person do it for us, or have a government official (by replevin) do it for us. You agree that we can peaceably come on to your property to do this. We may take any other things found in the Vehicle, but will return these thing to you if you ask. If you want these things back, you agree to ask us in a letter sent to us by certified mail within 24 hours. If you do not send us this letter, you give up any claim to these things. You agree that we may use your license plates in repossessing the Vehicle and taking it to a place for storage. For your convenience and review, we have enclosed a payment breakdown detailing the late payments on your installment loan. Our review of the payment history determined that the installment loan was approved for Repossession on January 4, 2016. On January 4, 2016, your installment loan was due for the October 30, 2015, payment. This made your installment loan sixty-six (66) days past due at the time of approval to repossess your vehicle. The Bank acted within the terms of your security agreement in attempting to repossess your vehicle. As noted on the enclosed payment breakdown, you made a $1,200.00 payment on March 16, 2016. This payment satisfied four (4) regular payments. The payment satisfied your November 30, 2015 payment (107 days late), your December 30, 2015 payment (77 days late), your January 30, 2016 payment (46 days late) and your February 29, 2016 payment (16 days late). On April 1, 2016, a $355.00 repossession fee was assessed to your installment loan. Your loan was sent to our repossession vendor who received the fee for getting a positive resolution to your repossess order. Specifically, the fee was provided to the vendor when you brought your loan current. On July 5, 2016, your installment loan was referred for repossession a second time. At the time of the repossession referral, your installment loan was sixty-five (65) days past due. As you are aware, on August 25, 2016, your vehicle was repossessed. At the time of repossession, your installment loan was one hundred seventeen (117) days delinquent. On August 26, 2016, you made a $500.00 payment which satisfied your payments due April 30, 2016, and May 30, 2016. On August 27, 2016, you made a $999.00 payment which satisfied your payments due June 30, 2016, July 20, 2016, and August 30, 2016. It should be noted, your late fees and repossession fees on August 27, 2016, totaled $931.25. In addition to your monthly payments $486.78 of your payment were applied to the repossession fee assessed on April 1, 2016, and late fees. There were $444.47 in late fees still due on your account. On September 16, 2016, a $350.00 repossession fee was assessed to your installment loan. This fee was assessed to pay the repossession company that was able to secure your vehicle on August 25, 2016. Our review of the payment history and fees assessed to your installment loan determined no Bank error. We are unwilling to reverse any of the fees assessed to your installment loan. As of February 13, 2017, the amount required to bring your installment loan current is $1,234.96. This amount includes: Past Due Amount $ 315.18 Repossession Fee $ 335.03 Late Charges $ 495.99 February 30, 2017 payment $ 315.18 Total: $1,461.38 (-) Partial Payment -$ 226.42 Total Due: $1,234.96 We have confirmed with the Collections Department that your installment loan does not qualify for hardship assistance at this time. However, if you would like to discuss any changes to your ability to make loan payments please contact our Borrower’s Assistance Department at ###-###-####, option 4. A representative is available, Monday through Friday, 8 a.m. to 5. p.m., ET. 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 can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Note Payment History Payment Breakdown

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.   
Fifth-Third Bank is still not answering my question.  I have asked this question several times, both verbally and in writing, and I have now asked if through my Revdex.com complaint, but I have still not received a reply: If Fifth-Third Bank had reason to believe that the online payment was fraudulent, then why did they issue the payment? Not sending a payment that they believe to be fraudulent would be a much better internal control than mailing a check with a stop payment on it.  Their internal control is poorly constructed and they are hanging the account holder out to dry on the repercussions. They are also telling me that they tried to contact me.  The only contact that I received from Fifth-Third Bank is a letterhead that arrived at my home after after [redacted] had presented the stopped-check for payment.  I did not receive a voice mail from Fifth-Third Bank.  Their fraud department was unable to play me a recording of the message they claim to have left me.  The letterhead I received is also inaccurate.  It states that the stop payment was issued at my request.  This is not true.  i did not request a stop payment.
Regards,
[redacted]