Fifth Third Bank

[redacted] [redacted] [redacted] Date: December 28, 2016 Account: [redacted] Regarding Your Business Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your business...

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. We strive to provide exceptional service each time you visit one of our banking centers, and I am sorry that was not your experience. Please be assured we researched this matter thoroughly 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. It is our understanding in speaking with the Point Place Banking Center that the incident you mention in your complaint took place on December 8, 2016. However, your business checking account ending in [redacted] initially became overdrawn on December 5, 2016. On that day, the beginning balance in your checking account was $292.14. One (1) credit of $4.87 and nine (9) debit items totaling $418.03 posted to your account resulting in a negative ending balance of ($121.02). Due to insufficient funds for five (5) of the debit items, five (5) overdraft fees totaling $185.00 were assessed and posted to your account the following business day. Please note that overdraft fees are assessed to an account for items that overdraw an account the previous business day. Any deposits or credits that post on the next business day would not stop the overdraft fees from being assessed. Please also note that the overdraft fees may not be assessed to the account at the start of the next business day and may not appear on your account until later in the business day. On December 6, 2016, your account had a negative beginning balance of ($121.02). One (1) overdraft fee reversal of $37.00 and four (4) debit items totaling $365.45, including the overdraft fees totaling $185.00, posted to your account resulting in a negative ending balance of ($449.47). Due to insufficient funds for three (3) of the debit items, three (3) overdraft fees totaling $111.00 were assessed and posted to your account the following business day. On December 7, 2016, your account had a negative beginning balance of ($449.47). Two (2) debit items totaling $53.57, including the overdraft fees totaling $111.00, posted to your account resulting in a negative ending balance of ($614.04). Due to insufficient funds for one (1) of the debit items, one (1) overdraft fee of $37.00 was assessed and posted to your account the following day. On December 8, 2016, the day on which we understand that you visited the Point Place Banking Center, one (1) provisional credit of $126.00 for a disputed item posted to your account. I am sorry for any difficulties you experienced while attempting to make a deposit; however, other deposits or credits posted to your account on that day. I am sorry for any difficulties you experienced while attempting to make a deposit as you stated in your complaint. I have enclosed copies of the overdraft notices we sent to you to notify you of the negative balance for your convenience. Your account has remained overdrawn since that time. During the time your account has remained overdrawn, one (1) overdraft fee, one (1) monthly service charge of $29.00, twelve (12) daily overdraft fees totaling $96.00, and one (1) direct deposit of $643.49 have posted to your account. As of December 23, 2016, your account has a negative available balance of ($6.55). In order to bring your account to a positive balance, please visit any Fifth Third Bank banking center to make a deposit. If your account remains overdrawn for fifty-five (55) days we may charge off your account and report it to ChexSystems for collection proceedings. It was certainly not our intention to cause you any hardship. Our records show that we have waived overdraft fees totaling $74.00 since your account was opened on April 27, 2016. We are unable to waive any additional fees per our bank policy. You may want to consider attaching your business savings account to your checking account as overdraft protection, or applying for a business line of credit to use for overdraft protection. If you are interested in either of these options, please visit any Fifth Third Bank banking center. Additionally, during our telephone conversation on December 21, 2016, you mentioned that you had other concerns that were not included in your complaint. If you would like to discuss these concerns, you may contact me at either number below and I will be happy to further research this matter. You may also send your additional concerns to me in writing at the following address: Fifth Third Bank Office of the President Attn Elizabeth D. 5050 Kingsley Drive MD 1MOCOP Cincinnati OH 45263 You may also fax the information to me at ###-###-####. Thank you for your patience while we conducted our research. 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, Elizabeth D. Office of the President Pc: Revdex.com Enclosures: Overdraft Notices

January 6th, 2017Re: [redacted]Both I and the [redacted] Financial Center Manager, Jerry G., have left messages for the customer.  I have waived her most recent monthly service charge of $8.00.  My response on 01-03-17 informs [redacted] that with her current account type, there will be a monthly fee, and I offer alternatives to avoid the charge, including opening a different account type.  There is really nothing more to add to the first response. Please let me know if you can close the issue with this information, of if you need anything further.   Thank you, Alison S.Customer Care Team SpecialistFifth Third Bank | Office of the PresidentPhone: ###-###-####

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: 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

[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. We are not trying to obtain anything other than just refunding all of the fees charged because of the business's  claim that it was a dormant account.  We know that those monies were retained by Fifth Third bank as a source of profit to the bank and we still believe that those monies should be returned to the rightful owner, even though their policies state otherwise. Under the circumstances,  a person of 88 years without internet skills should not be charged this fee for dormant account.  Other banks attempt to call, as well as write letters, to inform a customer that the account is approaching dormancy, which in this case, Fifth Third never did.  We have discussed this with other banks and found out Fifth Third has a reputation for profiting from various fees more than some other banks. Again, returning all of the approximately 1 1/2 years of dormant + monthly service fees totaling almost $300 would satisfy us completely.  We have now closed the account and, in the event that Fifth Third Bank sees fit to make an exception to their policy, and return these fees, we will gladly reopen the account and inform the Revdex.com that Fifth Third Bank responded fairly and  decided to refund these fees with a primary interest on customer satisfaction, even though, their monetary interests are best served by closely adhering to bank policy regarding dormant accounts.
Regards,
[redacted]

[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

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,
Principal not applied: $3,492.92 from months it was 5% (start of loan modification through 8/2013 presuming it was incorrect at the beginning of the modification) and $4,889.91 from the months it was 7.5%.  That is what should have been applied as a credit to my loan in the very minimum.  From their own amortization schedule.   I think that this was predatory because had I not caught there mistake they would have continued on this path.  I think I should still look into the consumer protection service predatory lending practices.  Their contract itself is really strange the way they wrote up the modification because the last or second to last clause almost tries to contractually absolve them of any negligence and you can’t do that legally.  Where were their internal audits being done? It should not have taken the customer to uncover this error.  There should have been fail safes in their internal auditing system that should have caught this error long ago. It certainly should not have gone on over 3 years.   Where is the punitive damages for the years I have tried to sell that house and couldn’t because of that loan balance being held over your head? 
[redacted]

[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.**

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 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. 
 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 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: June 3, 2015 Account: [redacted] Regarding Your Recent ATM Withdrawals Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your recent attempts to withdraw cash from an Automated Teller...

Machine (ATM). We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that Fifth Third Bank takes your feedback regarding your experience very seriously, and I have contacted the relevant parties to pass on your concerns. We strive to provide professional and accurate service to our customers, and I regret if the service you received did not meet the same high standards. According to your letter, on April 10, 2015, your fiancé attempted to make two (2) cash withdrawals from an ATM located at [redacted] in [redacted]. The two withdraws totaled $200.00, the first for $160.00 and the second for $40.00. However, you claim in your letter to have received only $120.00. On April 11, 2015, you contacted Fifth Third Bank and filed disputes for both ATM transactions. Per your request, disputes were submitted for each ATM cash withdrawal transaction. We began an investigation and on April 13, 2015, your checking account was given provisional credit, which totaled $80.00 while we researched your disputes. The provisional credit was available for use in your account while we conducted our investigation. However, our research determined that the balancing records of the related ATM terminal did not support the conclusion that funds were not dispensed. The ATM terminal in question balanced between April 10, 2015 and May 10, 2015. Due to this reason, the Bank denied your disputes and reversed the provisional credit of $80.00 from your checking account on May 19, 2015. It was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. We value your relationship and look forward to fulfilling all of your financial needs for years to come. 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

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]. [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

[redacted] Date: September 7, 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 recent deposit. 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 I regret the difficulties you have experienced. I have shared the information you brought to our attention with the banking center manager at the [redacted] Banking Center. We appreciate your feedback as it assists us in identifying problems and helps continuously improve the level of service we provide to our customers. However, I cannot inform you of specific internal corrective actions that may be taken to resolve the matter. We appreciate having you as our customer and value the trust you have placed in us. Despite our best efforts, mistakes sometimes happen. On Friday, August 26, 2016, you made an $856.00 cash deposit into your checking account ending in [redacted]. If the deposit would have properly posted to your checking account, the funds would have been available immediately. As you are aware, due to a processing error the deposit did not post to your checking account. On August 29, 2016, you made several attempts to contact the banking center manager regarding this deposit. Unfortunately, the manager was unexpectedly out of the office on Monday, August 29, 2016. However, the banking center employees correctly submitted a research request to locate your deposit. In addition, the banking center employees contacted their Regional Risk Manager who provided provisional credit to your account while the research request was processed. On August 30, 2016, two (2) credits of $856.00 posted to your checking account. On August 31, 2016, one (1) of the $856.00 credit transactions was reversed. This reversal properly balanced your checking account. The transactions will be on your next statement; however, I have enclosed a copy of the recent activity in your checking account as verification of the fee reversal and the credit activity. Your account was assessed a $37.00 overdraft fee due to this processing error. On August 31, 2016, the banking center manager reversed this fee. The Bank did not report this activity to the debit bureau agencies. We truly value your business, and we look forward to continuing our banking relationship with 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, Patrick S.Office of the President PC: Revdex.com Enclosure: August Checking Account Activity

All late payment reports have now been removed from my credit report and issue is satisfactorily resolved. Thank you for your assistance.

[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