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.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

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]

October 17, 2014
[redacted]
Re: Checking Account[redacted]
 Dear Mr.[redacted],
We
received a copy of the complaint you 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 would like to
offer our sincere apologies for any inconvenience this matter may have caused
you.
Your
comments expressing less than quality service are very concerning. Please be
assured that Fifth Third Bank takes your feedback regarding your experience
very seriously, and I have contacted the relevant parties to pass on your
concerns. Our Financial Center managers strive to provide professional and
accurate service to each and every customer they assist throughout the day, and
I regret if the service you received did not meet the same high standard. Our
top priority is to provide our customers with outstanding service. I am sorry
if your experience at the [redacted] Financial Center did not meet the
same high standard.
I
am sorry to hear of the difficulties you have experienced with recent debit
card transactions and Automated Clearing House (ACH) transactions that posted
to your checking account. The Bank follows a dispute procedure established by
federal regulation and[redacted] itself. Regulation E controls the dispute
process and provides detailed procedures and deadlines for consumers, banks and
other financial institutions to follow when a dispute is made against a
transaction on an account.
On
August 22, 2014, you submitted disputes for ACH transactions that posted to
your account. You formally disputed the following transactions: $[redacted] Web Payment to Bill Matrix, $[redacted] Web Payment to [redacted] Electr Bill, $[redacted] Adv
[redacted] 2 Fees, $[redacted] Adv [redacted] 2
Fees, $[redacted] Adv [redacted] 2 Fees,
$[redacted] Adv [redacted] 2 Fees. Our review
of these disputed transactions determined that each ACH transaction you
disputed were returned unpaid due to non-sufficient funds. The overdraft fees
that were charged to your account due to these transactions were waived on
August 28, 2014. Since the disputed transactions were returned and the related
overdraft fees were waived, this dispute case was closed on August 28, 2014.
Per
your request, on August 26, 2014, disputes were also filed for debit card
transactions in the amount of $[redacted] and $[redacted]. We began an investigation
into these transactions and on August 28, 2014, your checking account was given
provisional credit of $[redacted] and $[redacted] while we researched your dispute. The
investigation into these transactions is still ongoing. You will receive
notification from our disputes department as soon as their investigation if
finalized. I would like to assure you that we are diligently researching your
claim and using every resource to finalize your dispute as quickly as possible.
Our
review of your checking account activity determined that you received credit
for all transactions that you disputed as well as all related fees associated
with these transactions. However, other transactions posted to your account
which contributed to the overdrawn balance of your account. I have enclosed
your monthly checking account statements for review. Your checking account
remained overdrawn for [redacted] days and as a result, your account was
charged off for $[redacted] and reported to [redacted] for collection proceedings on September 4, 2014. For additional
information regarding the account, or to set up payment arrangements, please
contact [redacted] directly at
[redacted].
Mr. [redacted], we would like to apologize for any
inconvenience this matter may have caused you. However, we regret that we will
be unable to reopen this checking account as you have requested. If I could be
of further assistance to you please call me toll free at [redacted] or
directly at [redacted].
Sincerely,
[redacted]
Consumer Resolution Specialist Office of the
President
Pc: Revdex.com

[redacted] [redacted] [redacted] Date: November 25, 2016 Account: [redacted] Regarding Your FlexLine Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

Equity FlexLine account. We appreciate the time you have taken to express your thoughts and concerns. Thank you very much for taking the time to speak with me on November 10, 2016, regarding your concerns about the application process for your equity line of credit. Fifth Third Bank strives to provide best in class customer service while helping fulfill our customers’ financial needs. After reviewing this matter, it is clear that the level of service you received is not what we strive to achieve. On behalf of the Bank, please accept my sincerest apologies for the frustration, inconvenience, and dissatisfaction you experienced when applying for your equity loan, including the missing form needed to disburse the loan funds and the checks you received from the banking center that were unsigned. Our customers’ experience is very important to us, and we take this matter very seriously. We appreciate your feedback regarding the issues with your loan origination because it helps us to identify problems so we can work to rectify issues and improve the service we offer to our customers. In addition to this matter having been reviewed and addressed, please be assured that our senior management review complaints received by the Office of the President on a monthly basis. You requested that Early Access Advance fees totaling $30.00 be waived from your account. You will see on your account that $30.00 in previous overdraft fees were waived from the checking account on November 21, 2016. This waiver was processed to credit your account for the $30.00 in Early Access Advance fees you previously paid. 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

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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.  PLEASE CONTACT ALL CREDIT BUREAUS AND REMOVE ANY VERBIAGE ABOUT A DISPUTE.  ALL DISPUTE WORDING NEEDS TO BE REMOVED FROM OUR CREDIT REPORT.  ALSO, FREDDIE MAC (WHO'S SERVICING THE LOAN) NEEDS TO BE CONTACTED AND ALL LATE REPORTING WITH THEM NEEDS TO BE REMOVED.  OUR LOAN PROCESSOR FOR OUR REFI SAID WE CAN'T FINALIZE UNTIL ANY DISPUTE WORDING IN CREDIT REPORT IS REMOVED AND FREDDIE MAC UPDATES THEIR REPORTING. WE NEED THIS COMPLETED ASAP AS THE LOAN PROCESSOR JUST RE-RAN OUR CREDIT REPORT TO CLOSE AND NEEDS THIS FIXED.
Regards,
[redacted]
Revdex.com[redacted]Fifth Third Bank [redacted]  **  [redacted]
 
 
Dear [redacted]:
This message is regarding complaint ID [redacted] submitted to Revdex.com about your business on 2/2/2015 11:37:50 AM by [redacted] .  
We received the information listed below from your customer.  This complaint has been closed as resolved.  If you have any questions, we are happy to assist you. 
In addition to complaint information, Revdex.com Business Reviews also include basic background information about businesses.  This data is used to calculate a rating for your business.  This may be a good time to update your information by visiting us online at Revdex.com.org/cincinnati/join/.
Thank you for your cooperation in this matter and for your support of our self-regulatory goal.
Regards,
[redacted] 
MESSAGE:
[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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.  PLEASE CONTACT ALL CREDIT BUREAUS AND REMOVE ANY VERBIAGE ABOUT A DISPUTE.  ALL DISPUTE WORDING NEEDS TO BE REMOVED FROM OUR CREDIT REPORT.  ALSO, FREDDIE MAC (WHO'S SERVICING THE LOAN) NEEDS TO BE CONTACTED AND ALL LATE REPORTING WITH THEM NEEDS TO BE REMOVED.  OUR LOAN PROCESSOR FOR OUR REFI SAID WE CAN'T FINALIZE UNTIL ANY DISPUTE WORDING IN CREDIT REPORT IS REMOVED AND FREDDIE MAC UPDATES THEIR REPORTING. WE NEED THIS COMPLETED ASAP AS THE LOAN PROCESSOR JUST RE-RAN OUR CREDIT REPORT TO CLOSE AND NEEDS THIS FIXED.
Regards,
[redacted]
Revdex.com[redacted]
[redacted]
[redacted] **   [redacted] Dear [redacted] :Thank you for using your Revdex.com as a resource to resolving your complaint ID [redacted] submitted on 2/2/2015 11:37:50 AM against Fifth Third Bank. Since you have accepted Fifth Third Bank’s response, we are closing this complaint. If you and Fifth Third Bank have reached an agreement and compliance is set for a future date, we trust they will follow through. If this does not happen, contact us and we will review the complaint and proceed accordingly.Your complaint is now part of the Revdex.com Business Review and details will be posted on Revdex.com.org, if it meets our online standards. We encourage you to stay in touch with Revdex.com for great tips and information with our consumer e-newsletter or find a business you can trust with our Request A Quote service. Regards,[redacted]

[redacted] Date:             August 17, 2015 Account:               [redacted] Regarding Your Savings Account Dear [redacted]...

[redacted]: We received a copy of the complaint filed with the Revdex.com regarding the monthly service charges assessed to your savings account. We appreciate the time you have taken to document your concerns regarding this matter. Your comments expressing less than quality customer service are very concerning. We strive to provide accurate and professional service to our customers and I regret if this is not the level of service you received. Please be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received and passed along your concerns. Our savings accounts have a $5.00 monthly service charge that is automatically waived if one of the following is met: You have a Fifth Third checking account, with the same ownership.You maintain an average monthly balance of $500.00 or more.You are a minor or someone under the age of eighteen (18) is an owner of the account.You are enrolled in Fifth Third Military Banking. I apologize if you were not previously aware of these requirements. I have enclosed an additional brochure of our savings accounts for your review. This brochure was provided to you at the time you opened your savings account. A statement of your activity is sent out each quarter on savings accounts. I have enclosed copies of each statement that was sent to the address on file. I regret any frustration this matter may have caused you. Our records indicate that a total of four (4) monthly service charges were waived on your account by Felecia G., Financial Center Manager at the [redacted] Banking Center. After the fee waivers, the balance in your account was $11.01. On August 7, 2015, you withdrew this amount and closed out the savings account. At this time, your savings account remains closed.Thank you for your patience while we researched this matter for you. You are a valued customer, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, Lisa S. Office of the PresidentPc: Revdex.comEnclosures: Savings Account Statements, Savings Account Brochure

I received notification from 53 representative on 8/18 that 53 pays the larger amount first instead of paying the smaller first. The phone call was recorded. The representative admitted that is the process.  Additionally, 53 bank was involved in a class action law suit regarding this practice. I received a letter indicating  regarding this class action outcome  The $259.00 overdraft reversal was due to identity fraud case in [redacted] in November that 53 caught the transaction.  It concerns me that Elizabeth is making the case that 53 generously reimbursed $259.00 in overdraft fees this year for me and did not mention the identity fraud issue. Please reverse tge overdraft fees. I have been a long term with this bank. I am really considering other banking options. I am extremely disappointed about this situation....

[redacted] [redacted] [redacted] Date: June 10, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your...

Essential Checking 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 the difficulties you have experienced with your Essential Checking account. It was certainly not our intention to cause you any hardship. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We completed a review of the Essential Checking account ending in [redacted] and the debit card account ending in [redacted]. Our records indicate that a stop payment was placed on the checking account on May 31, 2016, for the payment to [redacted] in the amount of $205.59. As previously discussed with you, we regret the misinformation that was provided to you, and a stop payment request cannot be made for a debit card transaction. Because of this, we reversed the fee that was assessed to you in the amount of $33.00. On June 3, 2016, a debit card authorization was requested for a transaction in the amount of $205.59. As of June 8, 2016, the status of this authorization request shows that this was cancelled by the customer. Please note that although the authorization may have impacted the available funds while it was pending, this transaction did not post to the account. Thank you for your patience while we researched this matter for 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, April Q.Office of the President Pc: Revdex.com

[redacted] [redacted] [redacted] Date: June 28, 2017 Account: [redacted] Account: [redacted] Regarding Your Truly Simple Credit Card Dear [redacted]: We received a copy of the letter you sent to the Revdex.com...

concerning your Truly Simple Credit Card. 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. 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 customer satisfaction. On May 7, 2017, we received your credit card application submitted on our website at 53.com. As you are already aware, as is indicated in your complaint letter, you contacted the Bank’s Disputes Resolution Department on May 19, 2017, and reported that the card was opened without your authorization. I have confirmed that the card should have been closed at that time since you reported that the card was opened without your authorization. Please accept my sincere apologies that the card was not closed on May 19, 2017, when you reported that the card was opened fraudulently. The card application that was fraudulently submitted on our website at 53.com contained the following information: ** applicant name as [redacted] ** applicant date of birth as [redacted] ** your full social security number 
[redacted] [redacted] ** applicant email of [redacted] On May 24, 2017, the fraudster called the Bank and successfully verified your full social security number and your address. The fraudster then requested that the address be changed from the [redacted] address. The fraudster then requested that a replacement card be mailed to the updated address. Since the fraudster successfully answered the security questions that were asked, the original card number ending in [redacted] was replaced with the card number ending in [redacted], and the replacement card was mailed to the updated address. The card was used to make purchases and was not closed until your Disputes Resolution Department case number [redacted] was closed on June 19, 2017. Since it was determined that the card was indeed opened fraudulently, you are not liable for the card or any of the purchases made on the card. Additionally, the Bank submitted a request to the credit reporting agencies to delete the credit inquiry and to delete the account from your credit bureau report. The credit bureau correction request was submitted when your Disputes Resolution Department case was closed on June 19, 2017. The letter from our Disputes Resolution Department informing you of this was mailed to you on June 19, 2017. A copy of the letter is enclosed for your review and convenience. I have also enclosed copies of the account statements for your review. Please be assured we have submitted an update to all four (4) credit bureaus to delete the inquiry and to delete the account. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. Please also be assured that we will continue to conduct reviews and follow up with the credit reporting agencies until we ensure the account is reporting correctly. If you would like to contact the credit bureaus directly, their contact information is below: [redacted] ###-###-#### [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, Adam P.Office of the President PC: Revdex.com Enclosures (3): Disputes Resolution Department Letter Dated June 19, 2017 Statements 2

[redacted] [redacted] [redacted] Date: September 2, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com concerning your checking account...

with Fifth Third Bank. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that we have contacted the relevant parties to fully research your account and passed on your concerns. After we received your complaint, we reviewed the activity on your checking account prior to the date the account was charged off and closed. Our review determined that the payments that posted to your account from [redacted] were ACH (Automatic Clearing House) payments. For an ACH payment to be processed, the related merchant would need to have your checking account number and the bank’s routing number. If you had outstanding ACH payments that you wished to stop from posting to your account, you had 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 before the payment was scheduled. The fee to place a stop payment is $33.00 per item. In the event that your checking account became overdrawn, the posted items may have been returned unpaid and subject to overdraft fees. The per item overdraft fee was based on the number of occurrences in the previous twelve (12) months. When your account was opened, on February 4, 2010, for the first occurrence, you were charged $25.00 per item. For the second through fourth, the fee was $33.00. The fifth occurrence and higher was $37.00 per item. In addition, an $8.00 daily overdraft fee was assessed when the account remained overdrawn for three (3) days. This fee was charged for every calendar day the account was overdrawn and it continued to be assessed for 20 days. On June 29, 2010, the available balance in your checking account was positive $2.63. A deposit in the amount of $70.00 posted to the account. One (1) ACH payment of $68.29 from Prematic Corp. Ins. Prem. posted to the account and a merchant payment for $55.76 was pending on the account. Due to insufficient funds, the payment from [redacted] was returned and we assessed one (1) overdraft fee of $33.00, which posted the following day. Your account remained overdrawn everyday thereafter. During that time, additional transactions posted to your account which caused additional fees to be assessed. The account was charged off for $236.83 and reported to ChexSystems for collection proceedings on August 31, 2010. I have enclosed the related checking account statements for your review. This charged off checking account was sold to [redacted] on June 10, 2011. For additional information pertaining to your charged off account, we recommend that you contact [redacted] by the following address: [redacted] 
[redacted] [redacted] 
[redacted] Please be aware that [redacted] may have sold the acquired debt to another collection agency. If you’re contacted by any collection agency, you may request validation of the debt in question and contact information in which the agency is calling you from. We strive to provide professional and accurate service to our customers, and we sympathize with any difficulties you encountered regarding your account. If I may 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, Lisa S. Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosure: Checking Account 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.  For your reference, details of the offer I reviewed appear below.
Statements 
Agreement to waive a (1) fee
Letter of response
I have attached a document showing charges for a purchase that never happened (they denied it happened) and also if needed I have a statement when trying to receive something from them they had a bogus address of [redacted]. This bank was rude to me, refusing to give me any info until I told them I was reporting them to the federal banking institution. I called them and requested balances and to close all accounts and they stated no balances and they would close all accounts per customer request, how could I possibly have known there was still a balance if they never sent me statements doing so now does not resolve the fact that they were never received in the past although numerous requests were made. I also had no access to the account on line.  
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: June 30, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding overdraft fees charged to your...

checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. It was certainly not our intention to cause you any undue hardship. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. To assist you with monitoring your account, our toll-free Telephone Banking system is available twenty-four (24) hours a day at ###-###-####. Our Customer Service Professionals can be contacted at the same telephone number and are available Monday through Friday from 7:00 AM to 8:00 PM Eastern Standard Time (EST), and on Saturday from 8:30 AM to 5:00 PM EST. You can also access your account information at an ATM (Automated Teller Machine), on our Internet Banking website at www.53.com, and on your mobile device through our Mobile Banking service through 53.mobi. Additionally, a free account alert can be sent to up to four (4) e-mail addresses and one (1) mobile device when your account balance falls below an amount that you specify. These alerts can be setup through our Internet Banking at www.53.com. If your available balance is not sufficient to cover items that post to your checking account, the posted items may be returned unpaid and subject to overdraft fees. The per item overdraft fee is based on the number of occurrences in the last twelve (12) months. For the first occurrence, you will be charged $25.00 per item. For any additional occurrence, the charge is $37.00 per item. Should the account become overdrawn, we also send an overdraft notice via standard mail to inform you of the occurrence, which includes a detailed breakdown of the day’s transactions. I have enclosed a copy of our Rules & Regulations handbook that you received and agreed to when signing a signature card to open the checking account. Pages 3, 11, and 12 provide additional information regarding overdraft fees. Your checking account became overdrawn on June 13, 2016, when the beginning balance in your checking account was $507.21. Twenty-three (23) debit transactions totaling $552.79 posted to the account that day, creating an ending available balance of negative ($45.58). Since you did not have enough funds in your account to cover two (2) of the transactions that posted, your checking account was charged two (2) overdraft fees of $37.00 each on the following day. On June 14, 2016, the beginning balance in your checking account was negative ($45.58). Nine additional debit transactions totaling $223.36 posted to the account that day, creating an ending available balance of negative ($268.94). Since you did not have enough funds to cover the nine (9) transactions that posted, your checking account was charged nine (9) overdraft fees of $37.00 each on the following day. Your checking account remained overdrawn on June 15, 2016, with a beginning balance of negative ($268.94). Five (5) additional debit transactions totaling $319.50 posted to the account that day, creating an ending available balance of negative ($588.44). Since you did not have enough funds in your account to cover four (4) of the transactions that posted, your checking account was charged four (4) more overdraft fees of $37.00 each on the following day. It is important to ensure that your account has enough funds to cover all of the transactions you have authorized. As a valued customer, we reversed $74.00 in overdraft fees on June 17, 2016. However, we sympathize with the difficulties you encountered with your account. Therefore, as a courtesy to you, we reversed additional fees totaling $100.00 on your checking account on June 22, 2016. You may want to consider adding Overdraft Protection to your checking account. We offer several types of overdraft protection. We can connect a second account such as another checking account or savings account, or you can apply for a credit card or equity line, which can be connected to your checking account in order for funds to be automatically transferred in case of an overdraft situation. With Overdraft Protection, you are charged one (1) Overdraft Protection transfer fee of $12.00 instead of an overdraft fee of $25.00 per item for the first overdraft occurrence, or $37.00 per item for each additional occurrence. If you would like more information about Overdraft Protection, you can visit your local Financial Center or contact our Consumer Contact Center at ###-###-#### to setup Overdraft Protection for your checking account. We appreciate your patience while waiting for a response. You are a valued customer and we hope you will allow Fifth Third Bank to service your financial needs for many years to come. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., EST. Sincerely, Lisa S.Office of the President Pc: Revdex.com Enclosure: Rules & Regulations handbook

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.  5/3 has admitted that it made a mistake in the way the account was set up. I spoke with NUMEROUS employees at the bank over the years and ALWAYS told them that this was a representative/payee account. In fact, I cancelled a debit card that was sent to me and during that call I told the employee, this account is a payee account and should not have a debit card attached to it. The employee agreed and cancelled the card. So, after talking to several people at the bank, NO ONE ever said "hey, this account is set up incorrectly", I can assure you that is my account was being CREDITED money the bank employees would have been quick to correct how the account was set up. So, the 8 dollars that I have been charged for the past 7 years (per month) should be credited back to the account as it was a BANK error that allowed it to be charged in the first place.As far as the early access, even if the account was set up incorrectly by the bank, it was still ineligible for this service because it was not an INDIVIDUAL account. The bank should, at the very least, open this account back up and allow the "loan" to be paid off, removing it from collections and my credit report in the process. These loans were given OVER THE PHONE to someone using my ss number, a ss number is not a form of identification, a ss CARD is. I removed money from the account on the 3rd or 4th of every month because that is when the SS check was deposited, I had NO clue that the early access, which I was assured was going to be removed, was still being used. Again, this was done over the phone with out my knowledge and now the bank wants to ruin my credit because its employees did not do what was asked of them nor did they take any steps to correct the original error that was made when the account was being set up.   
Regards,
[redacted]

We will not be sending another response to this customer since we consider this matter closed and we do not have any additional information for the customer regarding her complaint. All issues have been previously addressed.Thanks,Adam P.Consumer Resolution SpecialistFifth Third Bank | Office of the President5050 Kingsley Dr.MD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### | Fax: ###-###-####Email: [redacted]

[redacted] [redacted]Date: June 30, 2015Account:    [redacted]Regarding Your Essential Checking AccountDear [redacted]We received a copy of the complaint you filed with the Revdex.com regarding your Essential Checking 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 June 12, 2015, you informed the [redacted] Banking Center of your intent to close the Essential Checking account ending in [redacted] due to an unauthorized charge that would be coming through from [redacted] Preschool. The remaining funds were transferred from the account into the new Essential Checking account ending in [redacted]. Due to the request to close the account and the knowledge that an unauthorized transaction was scheduled to come through, the banking center processed a request to place a hold on the account. This hold would not prevent the charge, but ensure that the transaction was returned to the merchant as unpaid. The following activity occurred on the Essential Checking account ending in [redacted]:On June 15, 2015, a transaction in the amount of $135.00 from [redacted] Preschool attempted to post to the account, however, this transaction was returned as unpaid on June 16, 2015. Because this item was returned, a $37.00 return item fee was assessed to the account.On June 16, 2015, a transaction in the amount of $153.86 from [redacted] attempted to post to the account, however, this transaction was returned as unpaid on June 17, 2015. Because this item was returned, a $37.00 return item fee was assessed to the account.On June 17, 2015, you transferred $153.86 from the account ending in [redacted] to the account ending in [redacted]. In addition, funds were transferred in the amount of $79.86 from the account ending in [redacted] to the account ending in [redacted]. The account ending in [redacted] had a zero remaining balance, and you closed the account.On June 18, 2015, the account ending in [redacted] was reopened by the [redacted] Banking Center. In the interest of customer service, the Bank reversed $37.00 of the return item fees that were assessed back into the account.On June 19, 2015, you transferred $37.00 from the account ending in [redacted] to the account ending in [redacted]. The account had a zero remaining balance, and you attempted to close the account. After the requested closure, a transaction in the amount of $49.55 from Comcast Cable attempted to post to the account, causing the account closure to fail. This transaction was returned as unpaid on June 22, 2015. Because this item was returned, a $37.00 return item fee was assessed to the account. On June 22, 2015, a transaction in the amount of $160.00 from [redacted] Preschool attempted to post to the account, however, this transaction was returned as unpaid on June 23, 2015. Because this item was returned, a $37.00 return item fee was assessed to the account.On June 23, 2015, the Bank reversed the $37.00 return item fee that was assessed for the [redacted] Preschool transaction because you indicated that was a fraudulent transaction. Also, in the interest of customer service, the Bank reversed $20.50 of the return item fees that were assessed to the account. In addition, funds were transferred in the amount of $37.00 from the account ending in [redacted] to the account ending in [redacted]. The account had a zero remaining balance, and you closed the account.On June 23, 2015, case C1506586656 was opened with our Disputes Department regarding the unauthorized transaction from [redacted] Preschool on June 22, 2015. Because the item was already returned due to insufficient funds, the dispute covered the associated return item fee. On June 25, 2015, the account was reopened by the Disputes Department, and on June 26, 2015, the overdraft fee that was assessed on June 23, 2015, in the amount of $37.00 was reversed into the account.On June 27, 2015, you transferred $37.00 from the account ending in [redacted] to the account ending in [redacted]. The account had a zero remaining balance, and per your request in your complaint we closed the account.On June 29, 2015, we processed a request to close the account. After the requested closure, a transaction in the amount of $49.55 from Comcast Cable attempted to post to the account, causing the account closure to fail. This transaction was returned as unpaid on June 30, 2015. Because this item was returned, a $37.00 return item fee was assessed to the account. However, this fee was reversed in order to close the account.As a result of the transactions attempting to post to the account after the requested closures, your account was unable to close. However, it is evidenced that you made multiple attempts to close the account. As previously detailed, the Bank reversed $168.50 of the return item fees that were assessed to the account. Because of your multiple attempts to close the account, we reversed the remaining $16.50 in return item fees that were assessed to the account. We submitted a request on June 30, 2015, to have these funds deposited into your Essential Checking account ending in [redacted]. In total, $185.00 in return item fees were assessed, and $185.00 in return item fees have been returned to you. In addition, the account was closed on June 30, 2015. We regret the frustration and inconvenience this matter has caused you.In the future, if you are aware of an unauthorized transaction that may attempt to post to your account, you are able to place a stop payment on that transaction. If you wish to place a stop payment on any transaction in the future, please visit your local banking center, or call customer service at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET.Thank you for 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.[redacted]Office of the President

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]

[redacted] Date: July 20, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: Thank you for contacting the Revdex.com concerning your installment loan with Fifth Third Bank and our response that was sent to you as it relates to your prior complaint. We appreciate the time you have taken to express your concerns regarding this matter. The loan you have with Fifth Third Bank was funded for $32.744.50. We have received two payments on this loan. On June 23, 2015, we received a check for $497.98 as well as a check for $32,028.99. Both checks posted to your loan account. As you brought to our attention, there was a check that was credited to your loan that should not have been. We corrected that error. The total payments from you have been for $32,526.97. This amount is less than the amount due to pay off your loan. There has been no additional payment on the loan as of the close of business on July 16, 2015. The payoff on your loan as of today, July 17, 2015 is $376.55 with a per diem of $.03. As stated in our last letter, once the loan is paid in full, Fifth Third Bank will release our lien on the title. According to your complaint, you state that you sent a check in to Fifth Third Bank in May 2015, but it did not clear your account. If that item has now cleared you account, and it is other than the items mentioned above, please send me a copy of the item and I will work to locate the missing payment. I was unable to locate the item that you previously faxed to Fifth Third Bank, but would like to assist you in posting the missing item to your loan with verification that the item has now cleared your checking account at your financial institution. The documentation that was sent to us form the dealership contained incorrect information as it relates to your last name. On the credit application that was signed by you, your name was listed as [redacted] not [redacted]. When we received the information, we input your name based what had been forwarded to our institution. I have since taken the necessary steps to correct the spelling of your last name. We strive to provide professional and accurate information 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., ET. Sincerely, Beth H. Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11936748, and find that this resolution is satisfactory to me. 
Regards,
[redacted]

[redacted] Date: January 29, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com, regarding your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the responses conveyed to you in our previous letters sent to the above address on January 11, 2016, and January 21, 2016. Our position on these matters has not changed. As we mentioned in our previous correspondence, in the interest of customer service, the two (2) $30.00 NSF fees were waived from the account. However, there was no Bank error in the assessment of the fees to the account. Because there was no error, we are unable to accommodate your request to waive additional fees. As previously mentioned, Auto BillPayer was set up on the account, and the first payment was scheduled for October 16, 2015.However, when we attempted to draft the payment, it was returned by [redacted] due to a block that was placed on the account. Because the payment was blocked, the Auto BillPayer was cancelled. We cannot advise why this block was placed; you may wish to discuss this matter further with [redacted]. 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, [redacted] Office of the President Pc: Revdex.com

March 18, 2016[redacted]  [redacted] Important Information About Your Fifth Third Account Dear [redacted]: At Fifth Third Bank, we appreciate the confidence you have placed in us as your bank. To maintain this confidence, we...

know it is important to keep you informed when issues arise. We received a copy of your complaint filed with the Revdex.com, concerning your account statement being given to a third party in error. You confirmed that you provided your tenants with your checking account number to enable them to deposit rent into your account. We determined that a bank representative erroneously provided your account statement to your tenants after they supplied the account number. Your statement contained the following information: name, address, account transactions, and account number. On behalf of the Bank, please accept our sincere apologies for any inconvenience or frustration this situation might have caused you. Please be assured that our Bank Protection Department was notified and are currently investigating this matter further. Our Bank Protection also recommended you close your current account and open a new checking account, and that the number not be disclosed to third parties in the future in order to prevent potential fraud on the account. At this time we are not aware of any fraudulent activity due to this incident, but you can be certain that we take this situation very seriously. We also want to take precautions to further minimize the risk of fraudulent transactions or identity theft resulting from this matter. For that reason, we will provide you with Fifth Third Identity Alert® for three (3) years at no charge. Fifth Third Identity Alert is an identity theft protection and credit monitoring service that Fifth Third has enlisted to provide you with access to your credit report from all three national credit reporting agencies. Your credit file from a national credit reporting agency will be monitored daily for activity. As with any financial service, you should carefully review the terms, conditions and privacy policy of Fifth Third Identity Alert before enrolling in the service. We ask that if you choose to enroll, you do it within 30 days of receiving this letter. You’ll receive: * Single Bureau Daily Monitoring*1 * Up to $25,000 in Identity Theft Insurance2 * Social Security number monitoring **3 If you choose to accept the service, you may enroll in one of two ways: 1) Sign up online at 53identityalert.com/awareness and enter the requested information including your individual online Activation Code which is [redacted]. 2) Bring this letter to a Fifth Third banking center and a customer service representative can assist you. To further protect yourself, we recommend you closely review all your account statements over the next 12 to 24 months. If you encounter any unauthorized or suspicious activity or if you have any questions, please call me immediately at ###-###-#### so I can get you any necessary help. Also, you will find enclosed with this letter additional information on how to monitor your credit report and protect against or report fraudulent activity. Sincerely, Elizabeth J.Office of the President The benefits in Fifth Third Identity Alert are provided by Fifth Third’s vendor, [redacted]