Fifth Third Bank

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

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.   
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]

[redacted]
[redacted]Date: June 16, 2015 Account: [redacted]Regarding Your Fifth Third Platinum [redacted]Dear [redacted]:We received a copy of the complaint you filed with the Revdex.com regarding your credit card account. We appreciate the time you...

have taken to express your thoughts and concerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for any 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 our senior and executive management teams review customer concerns as part of our ongoing commitment to improving our customers’ satisfaction.On September 26, 2014, the Bank received and approved your application for a Fifth Third Platinum [redacted]. Upon approval of your Platinum [redacted] account, your card and credit card agreement were mailed to you. For your review and convenience, a copy of the most recent version of the credit card agreement currently in effect for your account is enclosed.Please note page two and three (2-3), item ten (10) which explains how credit card payments are processed and applied to your credit card account. Payments on your Account that exceed the Minimum Amount Due will be allocated first to the Account balance with the highest Annual Percentage Rate (APR), and then to each consecutive Account balance bearing the next highest APR, at the time payment is posted to your Account.On October 13, 2014, your first purchase posted to your credit card. On November 5, 2014, your first statement was mailed to the above address. I have enclosed the statement dated November 5, 2014, which indicated a $73.00 minimum payment was due by December 2, 2014.The Bank did not receive a payment by the December 2, 2014 due date. Therefore, on December 2, 2014, a late charge of $25.00 posted to your credit card statement.On December 5, 2014, the second statement for this credit card account was generated. I have enclosed a copy of this statement for your records. This statement indicated a minimum payment of $146.00 was due by January 2, 2015. On December 8, 2014, the Bank received and posted your statement of $154.00 to your credit card account. This payment satisfied your minimum payment due by January 2, 2015.On December 30, 2014, you contacted the Bank by phone to make a payment to your Platinum [redacted]. The agent correctly stated that your payment on December 8, 2014, had satisfied your minimum payment due by January 2, 2015. Therefore, no payment was necessary at that time. Per your request, the agent submitted a fee reversal for the $25.00 late fee assessed the previous month. The agent also transferred you to the Auto BillPayer department to accommodate your request to set up automatic payments from your checking account. However, you did not enroll in this electronic payment service.The next credit card statement was generated on January 5, 2015. This statement shows the payment made on December 8, 2015, and the late charge reversal on December 30, 2014. No other purchases were made on the card and your minimum payment of $70.00 was due on February 2, 2015. On February 3, 2015, the Bank received and posted your payment of $500.00. This payment satisfied your minimum payment due by February 2, 2015. No late charges resulted from this payment. No other purchases were made during this statement cycle. On February 5, 2015, the monthly credit card statement was generated. This statement indicated a minimum payment of $60.00 was due by March 2, 2015.The Bank did not receive a payment toward the credit card account and on March 2, 2015, a $35.00 late charge was assessed to the account. A statement was generated on March 5, 2015. Because there were no payments on the previous statement, the minimum payment due by April 2, 2015, was $120.00. Which included a past due amount of $60.00 from the previous month. The Bank did not receive a payment to your credit card account by April 2, 2015. Therefore, a late charge of $35.00 was assessed to the account. Because there were no payments received on two consecutive credit card statement cycles, the Bank revoked your ability to make transactions with this credit card account.The statement dated April 3, 2015, indicated the minimum payment due by May 2, 2015, was $181.00, of which $120.00 was the past due amount from the last two months. On April 21, 2015, you submitted a payment of $3,035.00 toward your credit card account. This payment resulted in a $35.00 balance remaining on the card. The $35.00 balance was a result of a late fee that had been assessed to the account. On June 3, 2015, this fee was reversed resulting in your credit card account being closed with a zero balance. Please use this response as verification that the $35.00 fee has been reversed.We have completed our review of the payment history reporting on your credit report for your Fifth Third Platinum [redacted]. Our review determined that the information provided to the credit reporting agencies is accurate. We regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to correct prior negative reporting.If you would like to contact the credit reporting agencies directly, their contact information can be found below:• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####We strive to provide professional and accurate service to our customers, and apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ETSincerely,[redacted]Office of the PresidentPC: Revdex.comEnclosures: Statement and Credit Card Agreement

Attached is a copy of our response to the complaint filed by Ms. [redacted]  Re: Account #xxxx xxxx xxxx [redacted] 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 concerns. Our 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 [redacted].  In addition, you requested that a transfer of $[redacted] be made to [redacted] be applied to your account with them ending in [redacted].  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, 2014.  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]

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:        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

September 30, 2014
[redacted]
Re: Mortgage Loan XXXXXX[redacted]
Dear Ms. [redacted],
Thank
you for contacting the Bank regarding your mortgage loan. We appreciate the
time you have taken to express your concerns regarding this matter.
We
have...

completed our review of the payment history reporting on your credit
report for your mortgage loan. Our review determined that the information
provided to the credit reporting agencies is accurate. We regret any
frustration this may cause you; however, we are required to report accurate
information to the credit reporting agencies and we cannot accommodate your
request to correct prior negative reporting. I have enclosed a copy of the
payment history for your review.
If you would like
to contact the credit reporting agencies directly, their contact information
can be found below:
[redacted]
*
[redacted]
*
[redacted]
*
[redacted]
 
Your
escrow account is analyzed every April in accordance with RESPA (Real Estate
Settlement Procedures Act) guidelines. At that time, we will estimate your
insurance and tax payments for the following year in order to calculate the
funds needed in your escrow account to make these payments. Any changes in
property taxes or insurance premiums will be reflected at the time of analysis
unless we receive additional documentation from your tax municipality or
insurance company before that time.
When
the escrow analysis is complete, we mail you an Annual Escrow Account
Disclosure Statement, which details the results of our escrow analysis
including any escrow shortage or overage that might occur. If an escrow
shortage exists, you may pay for the total shortage amount by the due date
indicated on the Annual Escrow Account Disclosure Statement or the shortage
will be collected as part of your overall monthly mortgage payment. If an
overage exists, a refund check may be issued directly to you for the amount of
the overage.
On
April 25, 2014, we performed an annual escrow analysis and mailed to you an
Annual Escrow Account Disclosure Statement (copy enclosed), which disclosed an
escrow shortage of $[redacted]. This disclosure details that your monthly
mortgage payment was increasing beginning June 1, 2014. The shortage could be
paid in full with the coupon provided or divided over the next 12 months. When
the shortage was not paid in full, your mortgage payment increased to $[redacted]
effective with the June 1, 2014 payment.
Ms.
[redacted], we strive to provide professional and accurate service to our customers,
and I apologize for any inconvenience these matters have caused you. If I could
be of further assistance to you please contact me directly at [redacted]
Sincerely,
[redacted]
Consumer Resolution Specialist Office of the
President
Enclosures:
mortgage payment history, Annual Escrow Account Disclosure Statement

This is false regarding all the people spoke with on April 10th regarding this matter. Ms S. never attempted to call me back I have my cellphone with me 24/7. They knew that [redacted] would not be  providing them anything in writing but did advise Fifth Third to call so that they “could verify that funds were good”. Also another important Fact to point out also is if they hold funds for the entire 8 days then funds should have been available and check should have cleared on April 1 ". HAVE SPOKEN WITH THE PRESIDENT AND HE HAS ADVISED ME THAT THE PENALTY THAT HAVE ASKED TO PAY FROM [redacted] FIFTH THIRD WILL “REFUND”...THIS WAS HANDLED VERY POORLY ESPECIALLY AFTER I SPOKE ONLY With Managers at “4” (ANTOINETTE AT [redacted] LOCATION,  MARKEETTA AT [redacted] LOC. AND MS. S. AT [redacted]LOCATION) BRANCHES AND WAS TOLD ONE LIFE AFTER ANOTHER…| DO EXPECT TO GET REFUNDED THE COST OF THE PENALTY BUT THIS DOES NOTHING FOR MY INTEGRITY WITH THE [redacted].| DO NOT PLAN ON CONTINUING MY ACCOUNT WITH THIS BANK AND AM IN THE PROCESS OF GETTING IT MOVED TO ANOTHER FINANCIAL INSTITUTION.[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
Regards,
[redacted]
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] [redacted] [redacted] Date: September 27, 2016 Account: [redacted] Regarding Your Fifth Third Bank Accounts Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com, regarding your checking and savings account activity. Thank you for taking the time to document your thoughts and concerns. I appreciated the opportunity to speak with you on September 20, 2016, regarding this matter. Your original complaint filed with the Revdex.com was received on September 2, 2016. The Bank received a complaint you filed with the [redacted] on September 14, 2016. We received your most recent complaint filed with the Revdex.com on September 21, 2016. However, we stand by the response conveyed to you in our previous letter dated September 9, 2016. Our position on this matter has not changed. I have enclosed a copy of our previous response for your records. In our prior response, we enclosed copies of your checking account statements from June 2013 through April 2014. For your records and review, we have enclosed your checking account statements from July 2010 through May 2013. In addition, we have enclosed your savings account statements from June 2010 through May 2013. Please use the enclosed documents in addition to the previously mailed statements, as verification of the account balances and activity for the time your accounts were open. On July 23, 2013, the Bank processed a garnishment on your checking and savings account. Please find enclosed a copy of check ([redacted]) which was sent to [redacted] County Magistrate Court. The check was negotiated on July 31, 2013. The memo line on the enclosed check states: [redacted]. Please use the enclosed document as verification that [redacted] County has processed the check mailed on July 23, 2013. Thank you for your patience while waiting for a response. 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(s): Previous Response, 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 complaint.  With all due respect, my original complaint has not been answered. Instead, this is a clear attempt to discredit the complaint with details of my account that I have already admittedly discussed and reviewed with Fifth Third Bank personnel. My issue is, that I did not ok overdraft protection and hundreds of dollars were taken out of the account by Fifth Third, which compounded the issue. The overdraft notices were received in bulk a week plus after the incidents. And, as I am on unemployment there was nothing's I could do to re-fund the account other than remove the debit card from affected accounts. Again, I am appealing to Revdex.com due to the overcharging of my account for hundreds of dollars of fees that I would like re-funded. Even a compromise of half the amount would suffice.
Regards,
[redacted]

[redacted] Date: November 2, 2016 Account: [redacted] Regarding ATM Deposit Dispute Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your ATM (Automated...

Teller Machine) deposit dispute. 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 the difficulties you have experienced. It was certainly not our intention to cause you any hardship. 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. After completing our research, we posted a credit of $130.00 to your checking account ending in [redacted] for the missing ATM deposit on October 31, 2016. This credit is final and will not be reversed. I truly hope this meets your satisfaction and resolves your needs. 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 Draper Office of the President Pc: Revdex.com

[redacted] Date: October 21, 2015 Account: [redacted] Regarding Your Fifth Third Bank Platinum [redacted] Dear [redacted]: We received a copy of the complaint you filed with the Better...

Business Bureau, regarding your Platinum [redacted] benefits. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the level of service you received from our Customer Service Department. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your letter, I forwarded your concerns to the relevant parties in our Customer Service Department. I also want you to know that our senior and executive management teams review customer feedback as part of our ongoing commitment to improving our customers’ satisfaction. However, I cannot inform you to specific internal actions that may be taken. On September 20, 2012, your application for a Platinum [redacted] was approved. At that time, the Platinum [redacted] was automatically enrolled in the reward point program. Beginning on February 18, 2014, the Bank no longer offered the reward point program to new applications for the Platinum [redacted]. However, existing cardholders, like yourself, were grandfathered into the reward point program. Real Life Rewards is the name of our internal rewards program offered on a variety of our products. Along with the Real Life Rewards program, the Bank, in conjunction with [redacted], offers a variety of additional benefits to our cardholders. For your convenience, I have enclosed a copy of the benefits associated with the Fifth Third Platinum [redacted]. Fifth Third Bank does offer a variety of [redacted] products to our customers. Each product has a unique set of features and benefits to meet the different needs of our customers. As you mentioned in your phone conversation with our customer service agent on October 12, 2015, the Real Life Rewards [redacted] does provide cardholders with [redacted] Insurance. This benefit is not provided with the Platinum [redacted]. Since [redacted] Insurance is not a benefit associated with the Platinum [redacted], the Bank is not willing to reimburse you for the $250.00 deductible for your rental car. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Platinum [redacted] Benefits

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]

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]

[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

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.  
In the response from Fifth Third Bank, they state: "Due to no bank error being found in our research of this matter, we are unable to refund any overdraft fees charged to your account above the amount of the courtesy waiver you have previously been offered and have refused."We have not refused any previous offer and would be inclined to accept a "courtesy offer." We would ask for the bank to let us know what that would consist of. Thank you.
Regards,
[redacted]

[redacted] Date: November 3, 2016 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding...

your mortgage loan payments. We appreciate the time you have taken to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced. We strive to provide quality service to all of our customers, and I am sorry for your unsatisfactory experience during your previous attempts to resolve this matter. Please be assured we have researched this matter fully, and passed your concerns on to the relevant parties within the Bank. On December 31, 2014, you agreed to a thirty (30) year mortgage for your property located at [redacted]. Please find enclosed a copy of your Note, payment history, and initial escrow disclosure. You mentioned a concern for the escrow account established for the loan. Please note the original escrow disclosure did not include your homeowner’s insurance premium and the property taxes were estimated on the value of the land. As detailed on the initial escrow disclosure that was provided to you at your loan closing, the following payments were scheduled from the escrow account: ** September 1, 2015, [redacted] payment of $229.42 ** December 1, 2015, [redacted] payment of $187.28 On November 24, 2015, the Bank mailed your annual escrow analysis indicating an escrow shortage of $6,363.50. In error, your this statement indicated your annual [redacted] premium was due on a monthly basis. Therefore the escrow shortage amount was incorrect. You notified the Bank of your concerns regarding the escrow analysis statement. On December 18, 2015, the Bank mailed you a corrected escrow analysis statement. I have enclosed a copy of both notices for your records and convenience. The notice dated December 18, 2015, provided you with three (3) options on how to satisfy your escrow shortage. Option one (1) allowed you to spread the shortage over twelve (12) months and your monthly mortgage payment would increase to $2,144.27. Pages three and four (3-4) indicate the reason for the escrow shortage. Please note the projected amounts of tax and insurance payment of $1,050.61, compared to the actual amount of tax and insurance payments $6,173.05. Your mortgage loan payment is due the first of every month. Your mortgage loan has a fifteen (15) day grace period. Your grace period does not change your mortgage loan due date; however, the Bank will not assess a late charge to your mortgage loan provided the payment is made within the fifteen (15) day grace period. We have reviewed your calls to the customer service department regarding your August 1, 2016 payment. Our research determined the customer service representative correctly informed you that your Auto BillPayer payment could be scheduled anytime inside your grace period. Our review of your calls to the Customer Service Department did not indicate you were told your due date had been changed. We do apologize for any misunderstanding you had regarding this matter. Our review of the payment history for your mortgage loan indicated you are enrolled in the Auto BillPayer service. Auto BillPayer is authorized to make your mortgage payment from your deposit account within your fifteen (15) day grace period. If your payment is returned, the Auto BillPayer department will attempt to make your payment a second time. Auto BillPayer will not attempt a third withdrawal if your first two (2) payments are returned. On August 1, 2016, an Auto BillPayer payment was processed from your checking account ending in [redacted]. There were not insufficient funds in your account and this payment was reversed at the end of business on August 2, 2016. On August 2, 2016, you contacted the Customer Service Department and requested for this payment to be returned to your checking account. The Customer Service Representative correctly informed you that the payment had been processed, and they were unable to return your payment. However, as mentioned above, the funds were not available in your checking account and the payment was reversed. The payment was processed again on August 2, 2016; however, the payment was returned on August 3, 2016, due to insufficient funds in your checking account ending in [redacted]. Please find enclosed a copy of your checking account statement dated August 19, 2016. Please use the enclosed statement as verification of the Auto BillPayer payments and reversals. The Bank received and processed your mortgage payment on August 30, 2016. This payment satisfied your mortgage payment due on August 1, 2016. The Bank received a payment of $2,000.00 on September 30, 2016, and a $144.27 payment on October 7, 2016. The two (2) payments combined to satisfy your mortgage loan payment due September 1, 2016. This payment was received more than thirty (30) days past the due date, and was reported to the credit reporting agencies as past thirty (30) days late. Please use this letter as verification that your mortgage loan payment due October 1, 2016, has not been satisfied. In the interest of customer service, and to provide you with a more manageable mortgage payment, we have contacted the escrow department and spread your remaining escrow shortage over the next twenty-four (24) months. Please use this letter as verification that your mortgage payment beginning with your payment due November 1, 2016, will be $1,635.85. The Customer Service Department has processed two (2) late fee reversal requests on your mortgage loan. The two (2) fee waivers of $50.35 posted to your mortgage loan account on October 19, 2016, and October 21, 2016. On September 30, 2016, during your conversation with the Customer Service Department you requested to speak with our Homeowner’s Assistance Department. Please find enclosed a copy of the Homeowner’s Assistance packet mailed to you on October 3, 2016. If you have any questions regarding your loan modification options, please contact our Customer Care Specialists at ###-###-####. Our Customer Care Specialists are available Monday, 8 a.m. to 7 p.m. and Tuesday through Friday, 8 a.m. to 5 p.m., ET. 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 at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President

[redacted] [redacted] [redacted] Date: March 24, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your Essential Checking...

account. 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. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. We strive to provide exceptional service, 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. Fifth Third Bank Essential Checking accounts offer no monthly service charges for students aged sixteen (16) and above. The student discount will expire on December 31st the year the customer turns twenty-three (23). If necessary, it can be extended for one (1) year at a time upon verification of student status with a valid student ID. The student status on your Essential Checking account ending in [redacted] expired on December 31, 2016. In order to continue receiving the student fee waiver you will need to visit a Fifth Third Bank banking center to provide a valid student ID. Once you provide verification, the student status will expire again on December 31, 2017, and you will need to verify your student status again to continue receiving the student fee waiver. It was certainly not our intention to cause you any hardship. In the interest of customer service, we waived monthly service charges totaling $15.00. We are unable to waive any additional fees per our bank policy. 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