Fifth Third Bank

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. 
Section d of the contract states that if the vehicle is lost or damaged the bank may use the insurance funds to reduce what is owed on the vehicle. Nowhere in the contract does it state that the application of the method would not be counted towards the monthly payments in this scenario. Page 2 section a of the contract states that I agree to payback the bank everything owed even if the vehicle is damaged- which is something I have yet to fail to do. The issue at hand is the practice that Fifth Third is taking in regards to payments received. The payment received from the insurance company should have counted as the monthly payment for October and should have advanced the payment plan as the payment was in excess of the monthly amount required by the bank. However, Fifth Third Bank has chosen, to their benefit, to not count those payments towards the monthly payments, claiming that such payments do not come from me. Fifth Third Bank, am I not the owner of the insurance payments that you received as I am the one that yearly pays my insurance company so that I am covered in occasions such as these? Is the money coming from the insurance company-hence- not my own money as well? Was it not paid on my behalf? How can you say that these monies did not come from me and therefore chose to not apply them to the monthly payment of the loan? This is an unethical business practice that benefits Fifth Third Bank as you are able to charge a late fee to the consumer. Fifth Third Bank fails to explicitly state that insurance payments received are not to be counted as monthly payments in the occasion of vehicle total loss or total damage. The fact that you apply the insurance payments first to the principal of the loan and then to the interest is a practice that you chose to exercise without informing me of it until a scenario as this occurred, and without me agreeing to it as it is not stated in the contract that I signed.
Furthermore, this whole experience really shows how much you truly care for your customers, your unwillingness to accept fault for this and not wanting to correct the information you have sent to the Credit Bureau, over a late payment of $38 dollars, which is what was owed on interest for the month of October is truly appalling. Do you realize that you are ruining my credit over $38 dollars of accrued interest from that month? All due to your inability to accept that you are not adhering to the contract signed and have chosen to exercise an unethical business practice all to gain profit from a late fee penalty? I did not mention in my first address the poor customer service I received from the manager on the phone in the collections department; but now I will. Although your employee was a manager, she chose to treat me with less respect than the one given to me by her subordinate. She repeatedly spoke over me until I finally had to tell her that it was a real shame that I was receiving such treatment from a supervisor. I had to shame her and tell her that she should be more mature than her subordinates and demonstrate true leadership by showing me respect and listening to my concerns so that she could address them properly. It's no wonder why you have such poor leaders as you yourselves are incapable of leading effectively and ethically. Fifth third Bank, you have truly been a great disappointment to work with and I will never do business with you. I am still expecting you to correct the claim that you have sent to the Credit Bureau.
Regards,
[redacted]

[redacted] Date: April 14, 2017 Account: [redacted] Regarding Your Trust Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your trust account....

We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the frustration you experienced regarding this matter. Enclosed is a copy of the 2016 K-1 Tax Form that we mailed to your address listed above on March 28, 2017. Our records reflect that the K-1 Tax Form for 2015 was mailed to your address listed above on April 9, 2016. K-1 Tax Forms require more time to create and issue. IRS Regulations state that the K-1 forms are to be mailed upon completion of the 1041 Fiduciary return. That 1041 Fiduciary return is due on April 18. The IRS does allow for a five and a half month extension, if needed. I am sorry for the inconvenience of having to file tax extensions. Please note that you brought your Individual Retirement Account (IRA) to the Bank in February 2016. Because we did not make any disbursements from the IRA in 2016, we did not issue a 1099-R Tax Form for 2016. The IRA was transferred to us from US Bank. US Bank would be responsible for issuing the 1099-R Tax Form for 2016, and would have been responsible for issuing the form in 2015 as well. We will issue a 1099-R Tax form in 2018 that covers the 2017 tax year. If you have questions in the future about the Trust account or the IRA, please contact Private Client Services at ###-###-#### and ask for Marian O. However, if Ms. O. is unavailable, anyone at that phone number can assist you. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H. Office of the President Pc: Revdex.com Enclosure: Tax Form

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]  We use bill pay to pay our monthly bills. The night before they were to come out we realize that we hadnt made a deposit. We tried to stop the payments for the next day. The online banking would not allow it. We received approximately $260 in fees due to the computer errorDesired Outcome: Refund the fees

[redacted] Date: August 4, 2016 Account: [redacted] Regarding Your Access 360 Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

Access 360 account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On April 4, 2016, [redacted], our third-party vendor that services our Access 360 accounts, blocked your Access 360 account due to the number of disputes you have filed on the card. There was a $337.75 balance on the account at that time. On April 12, 2016, we sent a $337.75 cashier’s check to you, which was cashed on April 18, 2016. A copy of the cashed check is enclosed for your reference. After reviewing your account, we confirmed that an additional deposit of $40.90 was processed to the account. Please be assured that we have issued an additional check for $40.90 to your address listed above on August 3, 2016. If you do not receive the check by August 18, 2016, please contact me directly using my phone number listed below. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna T.Office of the President Pc: Revdex.com Enclosure: Check Image

[redacted] Date: February 15, 2017 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. I also appreciated...

the opportunity to speak with you. 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 find enclosed a copy of your checking account statement ending July 13, 2013. At the bottom of page two (2), you will find a credit of $816.66 dated July 3, 2013. According to our records, that is the final credit issued by our Disputes Department for the disputed Automatic Clearing House (ACH) debit from [redacted]. You are a valued customer and I appreciate this opportunity to address 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 Pc: Revdex.com Enclosure: Account statement

We have reviewed the response from the customer, and we will not be submitting an additional response. The customer’s concerns were addressed in the previous two responses. Please let me know if any additional information is needed.Thank you,April Q.Consumer Resolution SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### | Fax: ###-###-####

[redacted] Date: October 12, 2015 Account: [redacted] Regarding Credit Bureau Reporting Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, concerning your mortgage...

loan. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. Ultimately, our investigation of this matter determined that the information provided to the credit reporting agencies regarding the Fifth Third mortgage loan was not correct. Therefore, we submitted a request to update the information reporting to the credit reporting agencies. Confirmation of this correction may also be sent to you from our Operations Department under separate cover. Please allow approximately ninety (90) days for the credit bureau agencies to completely update their reporting. If you apply for credit in the interim, please feel free to use this letter as proof that Fifth Third Bank is correcting the error. If you would like to contact the credit bureaus directly, contact information can be found below: ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### Thank you for your patience while we researched this matter for 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
 First I never stated that I did not want to dispute the charges.  I went into the bank to explain that there were three charges on my account that were not authorized and that I had taken care of it with the companies.  I had emails in hand to show that the companies had advised that the would refund the charges.  Therefore, I was advised by the bank  that there was no reason to dispute the charges.On 11/18/14 [redacted] Charged me $623.86They advised that the would not take out their payment in December to make up for their mistake.On this date I was charged a $148.00 overdraft fee.On this date [redacted] charged me $107.76 that ws not authorized.  I contacted them and they advised that they would refund the money.  In addition 5/3 mailed out $375.00 to [redacted] that caused an overdraft fee.  On 11/19/14 they failed to pay the [redacted] bill and the $375 was credited to my account.  They then again sent the $375 out on 11/21/14 without authorization again overdrafting my accout and this time decided to pay it and charge me again an overdraft fee.  On 11/19/14 I was charged $111.00  and a $37.00 overdraft fee.  I was then charged a $19.99 [redacted] charged that was not authorized.I contacted [redacted] and they advised that they would credit my account.  On 11/20/14 I was charged an additional $111.00 in overdraft fees.  On 11/29/14 [redacted] refunded my money.  On 11/21/14 I was charged another $185.00 overdraft fee.  I was credited my [redacted] money.  On 11/21/14 I contacted the bank and with the emails from [redacted], [redacted] and [redacted] advised that these had not been authorized and showed the documentation that the compaines had agreed and would refund my money.  At this time my account was credited $222.00.  I was charged $592.00 in overdraft fees.  $185 of the fees the day after they credited the $222.00. I feel that the company is being fraudulent as not only did they not refund the money from charges that they saw documentation from the compaines, they also sent out a payment twice causing the overdraft fees.  Once they decided to not pay it and the next time they paid it.  I guess my question is what made the difference.  Also why was I told by bank staff that I did not need to dispute the charges as I had proof?  Then the day after they credit the $222 they charge me another $185.00 basically taking back most of what they had credited me. I feel that the bank still owes me $370.00.  I will be seeking legal advise if this is not refunded 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.  
I read the letter Sarah S.  typed up trying to say Fifth Third was justified in their charging me $37.00.  She decided to not include the deposit that hit the account for 602.97 on the same morning in question.  On Tuesday morning my account showed a positive amount for $7.18 when checked again at 9am my account showed a positive amount of 285.09.  So lets review Monday positive account Tuesday when all this got added and came out positive account. Wednesday morning Fifth third says Monday account negative none of this happened on Tuesday and they should charge me $37.00.  Fifth Third is stealing my $37.00 and I would like it back. I believe Fifth third was sued for this exact same issue a few years ago and lost. Fifth Third should not be allowed to change dates of when items are posted in order to charge fees.  I would like my $37.00 returned to me. 
Regards,[redacted]

[redacted] Date: July 18, 2016 Account: [redacted] Regarding Your Credit Card Account Dear [redacted]: We received a copy of the complaint you filed with Revdex.com. We appreciate the time you have taken to...

document your thoughts and concerns regarding the collection calls you received. Please be assured that Fifth Third Bank takes your feedback seriously. Our Collection Department begins making calls to customers when a payment is not received by the due date. They are a failsafe the Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8 a.m. until 9 p.m., including holidays. Several calls may be placed each day in an effort to remind customers that a payment is due and to obtain payment arrangements. This policy complies with all applicable laws and regulations. In researching your concerns, I could not locate a copy of your previous letter to the Bank. It was certainly not our intention to cause you any frustration or inconvenience. If you believe that there was unauthorized account activity, please contact our Disputes Department directly. They can be reached toll-free at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, and Saturday, 8:30 a.m. to 5 p.m. Please be advised that the credit card was closed on June 6, 2016. I waived a late fee and a finance charge for a total of $22.00. The account is now at a zero (0) balance. In response to your specific request, we have removed the telephone number ###-###-#### from our records. I appreciate this opportunity to respond to your concerns. You are a valued customer and I apologize for any inconvenience these matters may have caused you. If I could be of further assistance, 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 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.  For your reference, details of the offer I reviewed appear below.
This response also does not say anything as far as providing any form of assistance for the reasons I have been mentioning all along to the dispute dept. Saying that my dispute was denied based on my own information regarding my dispute is not and would not be an acceptable reason for anyone. This is the second response throught the Revdex.com that just is titled Information Regarding my Checking Account [redacted]. Then it says it is appreciated the time I have taken to express my concerns. Yes my dispute is with a merchant for $350 and the agreed upon services were not rendered. I am ONLY being told by this dispute department that it was denied based on my own information. There waa NO RESPONSE from the merchant.The response says that I believe that services were not rendered. Which I have explained in detail as to why that is the case. If services were rendered on 5/26/2016 and the merchant had obtained the information that they said they would then yes services would have been rendered and there would not need to be a dispute for the transaction that yes is on my bank statement showing the $350 charge after the merchant for the services that she claimed were going to be provided on 5/26/2016, had me text her the front and back of my bank card. In which I found out that same day that she did not obtain the information discussed for the charge of $350. The merchant must believe also that services were not rendered due to the fact that she chose not to respond to the bank dispute at all, even within 90 days.With this, the questions I have regarding this matter have not been answered. I have asked several times when I have called and am told "I do not know the answer to that". I have been told different things as far as why the dispute was denied based on my own letter. Because of the things said by different customer service reps. in the dispute dept. I can only conclude that there is much confusion about my dispute and how to even provide assistance. Yet I received the letter submitted to the Revdex.com dated 8/17/2016 that says nothing as usual just that my dispute was denied and that I can call with questions and to receive documents used in my dispute. I have not been provided assistance with either. In speaking with Lemont who claims to be the mgr. there, he said that he did not even have my letter but had a response from the merchant. Yet I have been told there is no response from the merchant and when so, the dispute is approved not denied.As I have also asked and explained that I had even called the dispute dept as of 8/6/2016 and was told that there still was no response from the merchant and that the dispute will be in my favor in this case. So please indicate why since there was never a response did this not have an impact on my dispute?Once again, as I have asked before too. If in fact a decision was made based on my own details. My details were provided when I first initiated my dispute on 5/27/2016. Also in my detailed letter explaining how services were not rendered dated 6/6/2016. I was told in the first letter from the dispute dept. that there would be a decision within 30 days. Why other than waiting for the merchant to respond in which they did not did I get a dential based on my own information that would have taken 90 days?I have stated over and over the questions and even the response 9/7/2016 as usual does not answer them. They are again as follows:Since telling someone ONLY that there dispute was denied based on there own information is not clear or even makes sense. What specific reason was my dispute denied based on my own information?Since I am only being TOLD that services were rendered to be by the merchant. How exactly did they come to this conclusion? Especially with no response from the merchant explaining if she thought so, or even showing proof that she would have.The customer service issues even with the mgr. Lemont during our phone conversation on 8/26 being extremely inappropriate and just wierd. The extremely vague letter from the Dispute dept. dated 8/17 along with the letters through the Revdex.com dated 9/1 and 9/7 that do not explain any of this. It appears as though proper time was taken to allow the merchant to respond which I had been told would be 90-120 days. When the merchant did not respond and the money should have been credited back to me., it seems there was the decision made to not do so. Yet there is no back up for doing so. And obviously not even concern or surprise as why anyone would have questions in this case.The questions above that have the ? after them are the questions that I have and have had since my first call to the dispute dept. on 8/25/2016 after receiving the letter dated 8/17 that did not say anything relevant to why my dispute was denied in which I need to call to even be told that it was denied based on my own details. Does not even make sense why someone would file a dispute if they received services and doesn't meke sense that the merchant would not need to respond to the dispute.The time that the dispute dept. is taking to not say anything or provide assistance is only making me have to spend more time in getting the above questions answered which is now 2 weeks and I placed my dispute 5/27/2016 with proper detail and the questions above are not that difficult. If someone can not only not file a dispute but have it handled appropriate why would someone want to bank with this bank.
Regards,
[redacted]

[redacted] Date: July 16, 2015 Regarding Your Experience at the [redacted] Banking Center Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com. We appreciate the time you have taken to document your thoughts and...

concerns regarding this matter. Your feedback is important so that we can better understand how to improve our service to you. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Mr. [redacted], at Fifth Third Bank, customer satisfaction is something that we take very seriously and would never compromise under any circumstances. That being said, it is the Bank’s responsibility to put policies and procedures in place to reduce the level of risk the Bank is subjected to on a daily basis. Our Banking Center employees are required to adhere to the policies and procedures we have in place. For this reason, our Banking Center employees will attempt to give alternative solutions to our customers if they are unable to complete the transaction as requested. On July 6, 2015, you presented a check to be cashed at the [redacted] Banking Center. The check was drawn off of [redacted] for $350.00. At that time, the balance in your savings account was $8.38. Our check cashing policy states that when a Fifth Third customer with a Fifth Third checking or savings account is cashing a non-Fifth Third check(s), the amount of cash disbursed may not exceed the total of the customer’s combined checking and savings account available balances by more than $100. If the amount of the check exceeds the combined available balance by more than $100, Cash Access must be used. Additionally, the customer can always choose to deposit the item and access the funds when they are available the next business day. I have enclosed a copy of our Rules & Regulations handbook that was provided to you when opening your accounts. Page 18 provides additional information regarding this policy. It is our understanding that the employee involved with your transaction offered you several different options as an alternative: Cash Access, deposit the item into your savings account or take the check to [redacted] to cash, as they would be able to immediately verify the funds in the account. Fifth Third Cash Access is a service that allows us to better service our current customers.. The immediate access to cash allows for the pur[redacted] of money orders, Western Union remittances and other services the Bank provides. A fee is assessed when Cash Access is used to cash a check.We are unfortunately unable to make it a regular practice of verifying checks by phone because other financial institutions cannot guarantee the availability of funds by the time the check processes. Because the employee followed Fifth Third Bank policy regarding cashing Non-Fifth third checks, we are not willing to reimburse you for gas used and medications. I regret that adherence to these policies and procedures caused you any inconvenience. It was not our intention to cause you any hardship.[redacted], Fifth Third Bank values all of our customers and any feedback that is provided. Please feel free to contact me personally to discuss any concerns that you may have in the future. 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 call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,Jennifer C.Office of the PresidentPc: Revdex.com Enclosure: Rules & Regulations

This company continues to damage my credit worthiness. I was told that this would be removed from my report if it was paid. I paid over 1100.00 and this is still on my credit report as a charge off by fifth third bank. They are not about quality customer service and do not value their customers. I have been calling them to resovle this issue since March when I paid the settlement amount.

[redacted] Date: March 31, 2015 Account:       [redacted] Re: Deposit Hold Dear [redacted]: We received your email sent to our Board of Directors, as well as your complaint filed with the Revdex.com...

regarding a deposit hold. We appreciate the time you have taken to document your thoughts and concerns. 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 an accurate and 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. We were able to further research your concerns regarding the hold that was placed on your account. Our records indicate that the Bank received notification on March 10, 2015, that the $1,500.00 deposit made to your checking account on March 9, 2015, was going to be returned because the check was counterfeit. Because the funds from the deposit were used, the Bank has determined it necessary to close your checking account. That same day, an account closure letter was sent to you at the address above and a hold was placed on your checking account. For your reference, I have enclosed a copy of the closure letter that was sent to you. We apologize if you did not receive it. During our research, we also discovered that the check deposited on March 4, 2015, in the amount of $1,757.00 was returned on March 13, 2015. We were advised that the check was returned because the routing number was invalid. When we reviewed the routing number, we noted it appeared to be valid so we reprocessed the check on March 19, 2015. The check was returned again on March 20, 2015. We are unable to process the check a third time. You will need to contact the maker of the check in order to have a new check issued. It should be noted that as of today the $1,500.00 check has not returned. When the check is returned, the funds will be removed from your checking account. As of today, we indicate that your balance is negative ($811.44) due to the returned deposit item mentioned above in the amount of $1,757.00. Therefore, no additional funds would be refunded to you. The account will be closed within thirty (30) days of March 10, 2015. Any negative balance will be charged off, and reported to [redacted].Please note that the Bank makes funds available from your deposit as per our Funds Availability Policy outlined in our Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards. For your reference, I have enclosed a copy of the Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards.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,[redacted]Executive Support Specialist Office of the PresidentPc: Board of Directors, Revdex.comEnclosure: Closure Letter, Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards.

[redacted] Date: September 9, 2015 Account: [redacted] Regarding Your Fifth Third Bank Stand Up 2 Cancer [redacted] Dear [redacted]: We received your rebuttal to our initial response to your complaint filed with the Revdex.com, concerning your credit card. We appreciate the time you have taken to express your concerns regarding this matter. As we discussed in our phone conversation on August 18, 2015, we conducted a thorough review of your credit card account on your credit report. Our review determined that the information provided to the credit reporting agencies was not correct. However, as we agreed in our original response dated August 13, 2015, an update was submitted to the credit reporting agencies to remove the revoked status and the late payment marks. Please note, this may take up to thirty (30) additional days to reflect on your credit reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### The Bank uses an automated system to evaluate a customer’s account. The automated system uses information provided to the Bank by [redacted] in relation to a customer’s credit score. If the customer’s credit score falls within the decrease criteria, the credit limit will be decreased when the balance drops low enough to allow a decrease to take place. Therefore, due to the information received by the credit reporting agency, your credit card limit was decreased upon receipt of your monthly payment. However, the Bank will review your credit limit in thirty (30) days after the credit reporting agency corrections are reflected on your credit report. I hope this correspondence cleared up any outstanding questions you had related to this issue. 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 (1): Previous Response Letter

[redacted] [redacted] Date: July 3, 2015 Account: [redacted] Regarding Your Mortgage Loan Escrow Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your mortgage loan escrow account. 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 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On November 18, 2013, you requested a payoff quote for the mortgage loan ending in 8118, and this information was provided to you via fax. When a mortgage payoff is requested, a special block is placed on the mortgage account that prevents payments being made from the escrow account. When this block was placed on your account, it was not given an expiration date. Because there was no expiration date on the block, it remained on the account and prevented the payments from the escrow account. Please note the block was manually removed from the account on May 11, 2015. We regret the frustration and inconvenience this has caused you. On May 12, 2015, the Bank refunded $170.20 into the escrow account to reimburse you for the principal and interest that was assessed as a result of the payment not being made in a timely manner. Also, per your request, we reanalyzed the escrow account on July 2, 2015. There was an escrow surplus in the amount of $1,209.79; these funds were returned to you via check on July 2, 2015, at the address listed above. Please note, your new monthly payment in the amount of $660.46 is effective as of September 1, 2015. I have enclosed a copy of the corrected Annual Escrow Account Disclosure Statement for your records and review. I hope this letter resolves your need and meets your satisfaction. Thank you for your patience while we researched this matter. 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. April Q. Office of the President Pc: Revdex.com Enclosure: Annual Escrow Account Disclosure Statement

[redacted] Date: December 7, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your checking account. We...

appreciate the time you have taken to document your thoughts and concerns regarding this matter. We value your relationship with Fifth Third Bank and appreciate the opportunity to respond to this matter. Your comments expressing less than quality service are very concerning and I regret the difficulties you have encountered regarding your account. Overdraft Protection is a service in which the Bank can link a customer’s checking account to one of their other accounts to protect the checking account from becoming overdrawn. When an account has been set up with overdraft protection and becomes overdrawn, the funds, if available, will automatically transfer from the connected account to attempt to bring the overdrawn account to a zero balance. There is no fee to have Overdraft Protection on an account. However, if Overdraft Protection is used and an automatic transfer occurs, a $12.00 fee will be charged to the checking account. Please be aware that the $12.00 fee will be added to the amount transferred since the fee will be assessed to the checking account. According to your complaint, you were told that Savings Overdraft Protection was connected when your checking and savings accounts were opened. We reviewed our records and determined that the Overdraft Protection was not connected when your accounts were opened. We sincerely regret for the frustration this has caused you. On November 12, 2015, the balance in your checking account was $138.35. Ten (10) items totaling $313.53 posted to your account along with a deposit of $128.00. Your ending account balance was negative ($47.18). Due to insufficient funds, two (2) overdraft fees of $37.00 were assessed to your checking account which posted the following day. Once your complaint was received, the decision was made to waive the $74.00 in overdraft fees that were charged to your account. The fee waiver posted to your checking account on December 3, 2015. We have also confirmed that Savings Overdraft Protection is now connected to your checking account. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions. This guide provides additional information related to our Overdraft Protection service. It was certainly not our intention to cause you any hardship. I hope this letter addresses all of your concerns and you are satisfied with the resolution. If I may 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, Lisa S.Office of the President Pc: Revdex.com Enclosure: Fifth Third Overdraft Solutions

[redacted] Data & Network Solutions LLCAttn: [redacted]Date: May 26, 2015 Account: [redacted]Re: Dormant FeesDear [redacted]:We
received a copy of the complaint you filed with the Revdex.com
regarding your Regular Business checking account. We...

truly appreciate the time
you have taken to share your thoughts and concerns with us.On
behalf of the Bank, please accept my sincere apologies for any inconvenience
this matter may have caused you. Please be assured we have researched this
matter fully, and passed on your concerns to the relevant parties within the
Bank. I also want you to know that customer feedback is reviewed by our senior
and executive management teams as part of our ongoing commitment to improving
our customers' satisfaction.Fifth Third Bank
offers a variety of ways for customers to manage their accounts. We have
services available to help you keep track of your account balance and the money
you have spent. These include:Logging on to 53.comUsing the mobile AppText or email alertsA Fifth Third ATMCalling ###-###-####Visiting a banking centerFor
your convenience, I have enclosed a copy of our current Rules and Regulations
which you received at the time you opened your account. Page five (5) and page
seventeen (17) detail how an account can become dormant and what fees can be
assessed. I apologize if you were unaware of this policy.Dormant
accounts receive one (1) statement each year, which is mailed at the end of
December. If activity occurs on your account that removes it from a dormant
state, you will begin to receive monthly statements again. When your account
first became dormant, we informed you of this account status change on your
checking account statement that ended on November 30, 2012. A statement was
issued in November 2013 due to the transaction that posted to your account.Copies
of the account statements from November 2010 to December 2014 are enclosed for
your review. Please note the address on the monthly statements is the mailing
address you provided to the Bank at the time of account opening. If this
address needs to be updated, I encourage you to contact the customer service
department to modify the account mailing address. The customer service
department can be reached at ###-###-####, Monday through Friday 7:00 a.m. to
8:00 p.m.; Saturday 8:30 a.m. to 5:00 p.m., ETWhen
your account first became dormant, we informed you of this account status
change on your checking account statement that ended on November 30, 2012. Once
an account becomes dormant you will receive one (1) statement each year, which
is mailed at the end of December. If activity occurs on your account that
removes it from a dormant state, you will begin to receive monthly statements
again. A statement was issued in November 2013 due to the transaction that
posted to your account.Due
to inactivity on your checking account, the account has been assessed eighteen
(18) $5.00 dormant account fees. On May 5, 2015, a request was submitted by the
management team at the Union Banking Center to reverse six (6) of the dormant
fees and a $30.00 credit posted to your account. While we sympathize with the
most recent difficulties you have encountered, we are unwilling to waive all of
the dormant fees your account was assessed, as you have requested.It
was certainly not our intention to cause you any hardship or frustration and we
appreciate your patience while we researched this matter. 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,[redacted]Senior Consumer Resolution Specialist Office
of the PresidentPc: Revdex.comEnclosure(s): Rules and Regulations,
Statements

[redacted] Date: December 14, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com. 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 or frustration this matter may have caused you. At Fifth Third Bank, we are committed to doing what is right for our customers and although we strive for excellence, mistakes sometimes happen. An internal processing error caused the payment for your insurance premium to be delayed. We have already taken the necessary actions to correct this occurrence and prevent it from happening in the future. The premium for your homeowner’s insurance policy was sent on November 23, 2016. Because Auto Owners did not process the check, we cancelled it and sent a replacement by overnight mail. We contacted your insurance company and confirmed that they received it. Your policy is active and the late fee has been reversed. Please be assured that Fifth Third Bank takes your feedback seriously and I appreciate this opportunity to respond to your concerns. You are a valued customer and we look forward to continuing our relationship with you. If I could be of further assistance to you, please call me at 513-358-0858 or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

Final response to [redacted] is attached  December 23, 2014[redacted]
[redacted]
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.Dear Ms. [redacted],We received a copy of your complaint filed with the Revdex.com regarding your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced.If you have outstanding ACH (Automatic Clearing House) payments that you wish to stop from posting to your account, you have the ability to make arrangements with the payees involved or place a stop payment for each item. When requesting a stop payment, we require the exact details of the ACH item including the item date, the payee involved, and the payment amount at least three (3) business days or more before the payment is scheduled. Should we not receive sufficient details or the stop payment is requested less than three (3) business days prior to the scheduled date, the stop payment may not prevent the ACH item from being paid on your account.The Bank will not be liable for any stop payments which involve insufficient information or requests that are made less than three (3) business days or more beforehand. After a stop payment is processed, a fee of $33.00 will typically be assessed to your account. I have enclosed a copy of our Rules and Regulations handbook for your review. Pages twenty (20) and twenty-one (21) provide additional information regarding stop payment of preauthorized ACH transfers. Page fifteen (15) paragraph twenty-two (22) provides additional information regarding stop payment of a check.    On November 21, 2014, you requested the following stop payments:  Payee: [redacted] ** Amount: $451.35 Check #: 1190Item Date: 11/17/14Payee: [redacted] Amount: $187.51 Item Date: 11/21/14Payee: [redacted] Amount: $50.00 Item Date: 11/21/14Payee: [redacted] Amount: $381.00 Item Date: 11/21/14Payee: [redacted] Amount: $250.00Item Date: 11/21/14Payee: [redacted] Amount: $50.00Item Date: 11/21/14Payee: [redacted] Amount: $1,056.23 Item Date: 11/21/14  The information you submitted regarding a stop payment on check number 1190 to [redacted] ** for $451.35 was correct; therefore this item was returned to your account on December 8, 2014.The exact dollar amount of the [redacted] item was $87.51 and you requested a dollar amount of $187.59. We require the exact dollar amount; therefore this stop payment was not effective. The payment of $50.00 to the payee [redacted] has not been presented for payment.The exact name of the payee for one of the items you requested is [redacted] and you requested a stop payment with the payee name of [redacted]. The exact name of another payee is [redacted] LLC and you requested a stop payment with the payee name of [redacted] The exact name of another payee is [redacted] and you requested a stop payment with the payee name of [redacted]. Also, the payment of $1,056.23 has not been presented for payment. We require the exact name of the payee(s) and the payee(s) provided was incorrect; therefore these three (3) stop payments were not effective.It is certainly not our intention to cause you any hardship. As a valued customer, we have waived overdraft fees totaling $186.00 in the last twelve (12) months. We have also waived stop payments fees totaling $165.00. Please be aware that we are unable to waive any additional [redacted], thank you for 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 could be of further assistance to you, please call me directly at ###-###-####, or toll free at ###-###-####.Sincerely,[redacted]Enclosure: Rules and Regulations