Fifth Third Bank

[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

September 4, 2014
 
[redacted]
 
 
Re: Mortgage Loan
XXXXXX[redacted]
 
 
Dear Ms. [redacted], 
We received a copy of your complaint
filed with the Revdex.com concerning the...

collection calls you received
for your Fifth Third Bank mortgage loan. We appreciate the time you have taken
to express your concerns regarding this matter.
The due date for payments to be posted to your account is
the first (1st) of every month. Fifth Third Bank does not offer the
ability to change the due date on mortgage loans. The telephone calls you
received are made automatically when an account becomes past due. If a payment
does not post by the due date it is considered delinquent and is subject to
collection activity. The Bank’s guidelines for contacting our customers allow
for telephone calls seven (7) days a week from 8:00 AM until 9:00 PM, including
holidays. Several calls may be placed each day in an effort to obtain a payment
or to arrange suitable payment arrangements. In order to avoid these calls,
please ensure your payment is posted by the due date.
You may wish to consider using Auto
BillPayer. Auto BillPayer enables you to have payments automatically deducted
from your checking account each month on the due date or any date within the
grace period, thereby, eliminating the need to mail your payments or bring them
to a branch location.  If you are
interested in signing up for Auto BillPayer, please contact us at [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.
I understand your frustration when this situation
occurred and we appreciate the opportunity to respond to your concerns. If I
could be of further assistance to either of you, please call me directly at
([redacted] or toll free at ([redacted].  
Sincerely,
[redacted]
Consumer Resolution Specialist
Office of the President
 
Pc:  RevDex.com

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.  Fthe problem now is that I called so many times and different persons confirmed that I am qualified for the offer. Now they just denies it. what a shame!
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] As I stated in my original complaint, I was never able to open the web siteto gain access to by business account. Fifth Third made no attempt to contact me in any way for over a month. I was also promised at least a partial refund and have never seen it. Fifth Third should be ashamed at charging accumulated fees for over a month and clearly able to see over $40,000 in the connected business account. You have abused your power without anyconsideration to customer service.

[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

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: March 21, 2017 Account: [redacted]Regarding Your Fifth Third Bank installment LoanDear [redacted]:We received a copy of the complaint you filed with the Revdex.com concerning your installment loan. We appreciate the time you have taken to...

document your thoughts and concerns regarding this matter,Please note your installment loan is a simple interest loan, with interest accruing daily on unpaid principal. When we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last payment. Then we apply the remaining funds to the unpaid principal balance. Your payment habits affect the amount of interest you pay over the life of the loan. If payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of your loan. Because less of your payments were applied to the principal balance, there may be a larger final payment due to additional accrued interest.We have completed our review of the payment history for your installment loan. Our review determined that the Bank has not received proof of insurance for October 11, 2016, through March 1, 2017. Therefore, the Bank force placed an insurance policy to cover the collateral. I have enclosed a copy of your Security Agreement stating you are required to provide proof of insurance during the life of your loan. Failure to provide proof of insurance will result in the Bank purchasing insurance on the collateral. The Security Agreement, section nine (9) item d, states: "Unless Borrower provides Bank with evidence of the insurance coverage required by Borrower's agreement with Bank, Bank may purchase insurance at Borrower's expense to protect Banks interests in the Collateral."On September 26, 2016, the Bank received a notice from your insurance company that your insurance policy was not active. The Bank notified you two (2) times requesting proof of insurance for this vehicle. have enclosed both letters mailed to you. Please use these notices as verification that the Bank contacted you about providing proof of insurance to avoid a force placed insurance policy. Please note the final letter dated November 22, 2016, informed you that the premium charged for the force placed insurance would be $1549.00.As mentioned above, our research confirmed a lapse of insurance on the vehicle from October 11, 2016, through March 1, 2017. The force placed insurance policy covered your vehicle from October 11, 2016, through October 11, 2017. On March 1, 2017, we received proof of insurance and payment for your insurance policy. The insurance policy was valid from March 1, 2017, through October 11, 2017. The force placed policy was cancelled and your installment loan was refunded $951.00. Please use the below breakdown as verification of your payments toward the force placed insurance policy.FORCE PLACED INSURANCE BALANCEDate Activity Amount Amount Pd. Balance12/14/2018 CPI Insurance Added $1,549.OO $1,549.001/3/2017 $154.90 $1,394.102/28/2017 $31.46 $1,362.64CP insurance 3/2/2017 Cancelled REBATE S951. OO $411.643/10/2017 $220.48 S191.16If you can provide proof of insurance for the lapse of insurance on your vehicle, October 11, 2016, through March 1, 2017, please send that documentation to my attention at the following address:Fifth Third Bank 5050 Kingsley Drive MD: 1|MOCOP Cincinnati OH 45263. Alternatively you can fax the proof of insurance directly to me at ###-###-####. Upon receipt of the requested documents, I will provide them to our Insurance Service Center and will refund your installment loan for the remainder of the force placed insurance policy.Please find enclosed a copy of a payment breakdown for your installment loan beginning with January 2016. Included in this breakdown is your payment due date (the 15" of every month), the number of days your loan was past due, assessed late fees, paid late fees and the payment date Satisfied by each payment.As of March 16, 2017, you have a past due balance of $792.07, and fees totaling $635.00. In order to bring your loan current, you would need to make a payment of $1,921.21 This payment would include your past due balance, your payment due April 14, 2017, and your fees. It should be noted, $191, 16 of this payment will be applied to satisfy your force placed insurance balance. Upon paying off the force placed insurance premium, your installment loan payment will revert to your regular payment of $339.24.We reviewed your telephone conversations on December 30, 2016, and January 3, 2017. On December 30, 2016, the agent informed you that the delinquent payment due was $1,851.10. You were informed that this amount did not include $210.00 in late fees. In addition you were informed of the lapse in insurance, and that the Bank had force placed an insurance policy on your vehicle. The agent correctly informed you that your monthly installment loan payment would increase by an estimated $155.00 a  month. In addition, the agent informed you that you would need to make a payment by December 31, 2016, and the agent held your installment loan from being charged off on December 30, 2016.On January 3, 2017, the agent noted your call from December 30, 2016, and correctly informed you that the delinquent balance not including late fees was $1,851.10.It should be noted, the Collection Department considers repossession of property when an installment loan becomes more than sixty (60) days past due. As noted on the enclosed payment breakdown, the Bank received your most recent payment of $600.00 on February 21, 2017. In error, the banking center used an incorrect processing ticket and this payment posted as a principal only payment. On March 10, 2017, we processed a request with our installment loan cashiering department to have this payment processed as a regular payment. The payment satisfied your payment due January 14, 2017.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 PresidentPC: Revdex.comEnclosure: Security AgreementProof of Insurance letters (2) Payment Breakdown

I was told the issue would be resolved by the April 6th payment. I was not told that it was 3.39 or what they stated. I was told .5 cents or .50 a day I was also told actually guarantee was the word she used that I word she used that she would back date so I would not be charged.
when she called an told me she back dated it was .74 really .74
so they never sent the check as they stated
one more issue and not truthful information again
I would like this resolved as soon as possible. this is been going on way to long and has been stressful on me

[redacted]
[redacted]
[redacted]Date: May 6, 2015Re: Mortgage Loan applicationDear [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. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns.After reading your complaint, I searched all of our loan application systems and wasn't able to find an application, submitted in your name, for a loan that's currently in process. I attempted to reach you by phone on May 4, 2015, to obtain more information regarding the attempts you have made to refinance your mortgage, but I was unable to connect with you. If you would like to contact me at ###-###-####, I would be happy to assist you.Additionally, if you would like to pursue a new loan with Fifth Third Bank, you can apply online at 53.com, or by calling our New Accounts department directly at [redacted]. We sympathize with the difficulties you have experienced and 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.[redacted] I understand your frustration when this situation occurred and we appreciate your patience while we researched this matter. Your feedback helps us to identify problems and to improve the level of service we provide to our customers. You are a valued customer and we look forward to serving your future financial needs. Again, if I could be of further assistance, please contact 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 President

[redacted] Date: April 13, 2016 Account: [redacted] Regarding Your Fifth Third Bank Real Life Rewards [redacted] Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau regarding collection calls and your Real Life Rewards [redacted]. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. It was certainly not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. If a payment does not post by the due date, it is subject to collection activity. The Bank’s guidelines for contacting customers allow for telephone calls seven (7) days a week from 8 a.m. to 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 to prevent late fees or derogatory credit bureau reporting. On January 18, 2016, the Bank sent your credit card statement indicating a minimum payment of $35.00 due by February 15, 2016. I have enclosed a copy of this statement for your records. The Bank did not receive a payment by February 15, 2016. Therefore, on February 16, 2016, a $35.00 late charge posted to your credit card account. The next credit card statement was generated on February 18, 2016. This statement shows the late charge, and indicated a minimum payment due of $99.00 by March 15, 2016. The Bank did receive and posted a payment for $40.00 on February 19, 2016. The Bank also received and processed a $40.00 payment on March 9, 2016. Please note, the two (2) payments did not satisfy the minimum payment due of $99.00, and a $35.00 late charge posted to your credit card account on March 16, 2016. Your next statement generated on March 18, 2016. This statement shows the late charge, and indicates a minimum payment due of $84.00 by April 15, 2016. Included in this payment is a past due amount of $19.00. Please note if you do not make your minimum payment for two (2) or more consecutive billing cycles, the Bank may revoke your ability to make purchases. After receiving your letter, we confirmed that the collection department had processed a cease and desist based on your telephone request on April 8, 2016. You will no longer receive telephone calls regarding the delinquent status of your Real Life Rewards [redacted] account. Please note that this does not stop other collection activity related to delinquency, including late charges, finance charges, or reporting to the credit bureaus. For your convenience, the Bank offers Auto BillPayer. Auto BillPayer will automatically transfer your monthly payments from your checking account towards your credit card at no additional charge. Many of our customers appreciate the convenience of Auto BillPayer, which eliminates the need of telephone payments, check writing, or mailing your payments. Auto BillPayer also makes your monthly payments on time each month to prevent the added cost of late charges. Should you have any additional questions concerning Auto BillPayer, you may contact Auto BillPayer at ###-###-####, Monday through Friday, 8 a.m. to 5 p.m., ET. We have completed our review of the payment history for your credit card. Because your payments have not posted to your credit card more than thirty (30) days past due, the payment activity has not been reported to the credit reporting agencies. If you would like to contact the credit reporting agencies directly, their contact information can be found below: ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### ? [redacted] ###-###-#### It was not our intention to cause you any frustration or an undue 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 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: Credit Card Statements

[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.  It amaze me that a bank this size will not take accountability for there actions. I call the FCC and request this payment to be stop on the 11th and now I have Brandy W. trying to point blame on me the customer. I'm facing a eviction from my home with my children due to the matter since I ddnt had all the money to pay due to the money still being withdrawl and already made arrangements with [redacted]. Also I have a letter that states what I can do and that is what I'm trying to do. Sorry fifth and third the CEO and the bank makes money off the small people putting the money back will not hurt the company all. Fix the issue please I'm homeless now. 
Regards,
[redacted]

We have responded to this customer twice and never received the information that was request to be sent to our fax number, which is listed on our response.  Additionally, our mailing address is listed on our response for the customer to send a copy of the information requested.   Provided the fax number in our response – but the number is ###-###-####. We also supplied her with a mailing address to send the paperwork to if she had the desire to do so.  Thank you. Elizabeth A. H.    Fifth Third BankConsumer Resolution Specialist, Office of the PresidentConsumer Contact Center5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263Phone: ###-###-####  Fax: ###-###-####  Email: [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

February 5, 2015 [redacted].[redacted] Re: Collection Telephone Calls Dear [redacted]. [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding the telephone calls you received for...

a Fifth Third Bank customer. 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. The telephone number you provided in your complaint has been notated so you will no longer receive telephone calls from Fifth Third Bank. We regret that this was not done upon your initial request. I can understand your frustration when this situation occurred. Please be assured that we have contacted the relevant parties to express your dissatisfaction with the telephone calls you received and passed on your concerns. I hope this letter meets your satisfaction and resolves your needs. Thank you for your patience while waiting for a response. It was certainly not our intention to cause you any hardship, and we sympathize with the difficulties you experienced. If I could be of further assistance to you, please contact me directly at [redacted] or toll free at [redacted] Sincerely, [redacted] Senior Consumer Resolution Specialist Office of the President Pc: Revdex.com Fifth Third Bank, Member[redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp.

[redacted] Date: September 8, 2016 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com regarding your mortgage loan. 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. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration you may have experienced. However, we stand by our previous responses sent to the above address on August 31, 2016. I have enclosed a copy of our previous written response for your review. Our position on this matter has not changed. As mentioned in our prior response, an escrow account was established for the mortgage loan ending in [redacted]. The parcel number associated with your mortgage loan is [redacted]. Our research has confirmed the Bank has paid your property taxes, with the most recent payment being made to [redacted] County on July 8, 2016. Our research was unable to locate a mortgage loan and/or escrow account for the property located at [redacted], in [redacted], [redacted]. For your review and verification that this property is not included in your mortgage ending in [redacted], I have enclosed a copy of the appraisal dated July 22, 2014. Please note the address and parcel number on the appraisal, [redacted], Assessor’s Parcel # [redacted]. I hope this correspondence cleared up any outstanding questions you had related to this issue. 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

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 have attached in my previous email snapshots of my account. It clearly proves that 53 process their transaction after midnight and still charges fees same day. I will take these pictures and post them on social media so people see how 53 bank operates...
Regards,
[redacted]

[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

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 original response by this business was to send me all the statements that they had never sent in the past.  This is not acceptable to provide me with 3 years of statements outlining draft charges when they were not sending them all along.Their entire argument is based upon the fact that draft charges are valid if the savings account is not accompanied by a checking account.  I had a checking account and they closed it.  I was not provided notice of this account being closed.My offer on resolution to this company was to allow them to keep slightly more than 2/3 of the draft charges and to refund me the original $50 I used to open the account which would have been valued at thirty-two (32) cents on the dollar.The office of the president has deemed that it will be worth the trouble for them to stand by their decision of refunding me seven (7) cents on the dollar on charges that don't equate any actual hard cost to the business.It's funny that they keep responding how valuable I am as a customer, when I am no longer a customer, and they steal money from me.  I guess it does make me valuable when they take 93% of my money.I warned that failure to meet my minimum resolution request will result in further complaints, bad publicity, and possible litigation.  Apparently it is worth it to them to fight it over $39 when they could have refunded that amount and still come out ahead by $106.
Regards,
[redacted]