Fifth Third Bank

[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]

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] [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

[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

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]

[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

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

[redacted] Date: September 30, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your installment...

loan 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 December 27, 2014, you applied for and agreed to a $27,483.00 vehicle installment loan with an interest rate of 6.140%. The monthly payment for your loan is $458.46, which is due by the tenth (10th) of each month. Your loan has a ten (10) day grace period. This means that you can make the monthly payment within ten (10) calendar days of the due date before a late fee is assessed. Enclosed for your reference is a copy of your signed contract for the loan. As of September 23, 2016, your installment loan is past due for the June 2016, July 2016, August 2016, and September 2016 payments. You mentioned that we refused to accept partial payments on the account. Please be advised that partial payments can be applied to your installment loan, but cannot cover a monthly payment due unless the full amount needed to cover the payment is processed. As a result, the delinquency is not reduced. Please be advised that our Collection Department may call customers from 8:00 a.m. to 9:00 p.m. in their time zone on every day of the week, including holidays. Our Collection Department has been calling you using the phone numbers on file regarding the most recent delinquencies since May 14, 2016. Prior to that, we spoke to you on February 11, 2016, at which time you mentioned a deferment on the loan. We advised that in order to qualify for a deferment you would need to make at least one (1) payment. However, you were unable to make the payment at that time. We do not have record of any additional requests for hardship assistance regarding your loan. I reviewed the call history for your account and verified that no collection calls were placed outside of the allowable timeframe. We spoke to you on June 23, 2016, regarding the delinquency. At that time, your account was past due for the May 2016 and June 2016 due dates. You made a $500.00 payment that day to cover the payment due for May 2016. You also advised you would make an additional payment the following week. However, the last payment we received for the account was the June 23, 2016, payment. We continued to call you about the account, but were unable to speak to you again. Your account was approved for repossession on August 12, 2016. At that time, your account was sixty-two (62) days delinquent. We were able to speak to you again on August 26, 2016, at which time we explained the account had been approved for repossession. We also asked for the location of the vehicle, which you declined to provide. As of September 23, 2016, the repossession company has been unable to locate the vehicle and is actively searching for it. When an account is referred for repossession, any charges billed to the Bank for the repossession are added to the loan as a fee owed to the Bank. At this time, your vehicle has not been located so it has not been obtained by the repossession company. Therefore, a repossession fee has not yet been applied to the account. As of September 20, 2016, the past due balance owed on the account is $1,792.30. This amount does not include the next payment that is due on October 10, 2016. Please be advised that our Collection Department is willing to accept a payment equal to 75% of the delinquent amount to cancel the repossession order, which totals $1,344.22. This payment will bring your loan current, allow us to cancel the repossession, and the loan will not be in danger of being re-assigned for repossession right away. This will allow us time to process an application for hardship assistance if you would like to do so. The $1,344.22 payment must be paid via check by phone or using [redacted]. Please contact our Collection Department at ###-###-#### to set up the payment or to obtain our [redacted] information. You will still be responsible to repay the remaining 25% owed, but making the $1,344.22 payment will allow us to cancel the repossession. If you would like the collection calls to stop, you may submit a cease and desist letter. Your correspondence can be mailed to our address listed above, or faxed to my attention at ###-###-####. Please note that while we will not call you, collection activity on the account will continue. This activity might include late charges, derogatory credit bureau reporting, repossession, and charging off the account. You mentioned that you tried to refinance the loan but were unable to because our interest rate was high and the amount owed was $6,000.00 more than the vehicle is worth. Fifth Third Bank did not set the price for the vehicle. We received the application you submitted from the [redacted] dealership on December 27, 2014. Additionally, you purchased a new car and it is typical for new cars to depreciate as soon as the vehicle is purchased. The interest rate applicable to your loan was disclosed to you, which you accepted per the signed contract that lists the interest rate. The outstanding amount owed is based on the loan you requested and the contract terms you agreed to. The loan amount is not adjusted if the vehicle’s value has depreciated to an amount below what is owed on the loan. 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: Note, Payment History

[redacted] [redacted] [redacted] Date: December 19, 2016 Account: [redacted] Regarding Your [redacted] Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

[redacted] 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. I confirmed that you spoke to a representative in our Customer Service Department on August 3, 2016, regarding the $35.00 payment that was due by July 2, 2016. We did not receive the payment until July 6, 2016; therefore, a $25.00 late payment fee was assessed on July 5, 2016. The representative you spoke to advised he would waive the fee. I am very sorry that the fee was not waived. Please be assured that I have contacted the relevant Bank personnel regarding this situation. I am sorry for the frustration this issue has caused you. We waived the $25.00 late fee assessed on July 5, 2016, as well as the $26.00 late fee assessed on September 2, 2016, and finance charges totaling $2.89. The account is now overpaid by $53.89. If you would like us to send a check to you for the $53.89, please contact me directly using my phone number listed below so that I can verify the address and issue the refund. 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: Statements

[redacted] Date: October 14, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your installment loan 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. Enclosed for your reference is a copy of the contract for your loan. Page two (2), section three (3), subsections b, c, and d explain default and repossession. Per the contract, your loan is in default if you do not pay when the loan is due. If the loan is in default, the contract explains that we may repossess the vehicle. Subsection e advises that you can redeem the vehicle if it is repossessed by paying the amount we quote for it to be returned. The $276.21 monthly payment for your loan is due by the eighteenth (18th) of each month. If the payment is not received within the ten (10) day grace period after that, a late payment fee is assessed. On July 8, 2016, we received a $579.35 payment that you scheduled from your [redacted] account. At that time, your account was past due for the May 2016 and June 2016 payments. The $579.35 made your account current. However, the payment was returned by [redacted] for insufficient funds on July 12, 2016. As a result, the July 8, 2016, payment was removed from your account and the loan was again past due for May 2016 and June 2016. You made another payment from E TX PROFESSIONAL CU on July 14, 2016, for $579.35. This payment was successful and was not returned by your bank. The July 14, 2016, payment brought your account current with the next payment due on July 18, 2016. Unfortunately, we did not receive another payment for the account after that. On September 20, 2016, the vehicle was repossessed. At that time, the account was sixty-three (63) days delinquent for the July 2016, August 2016, and September 2016 payments. I reviewed your account and confirmed that the July 8, 2016, payment was not reversed and reapplied to not go toward fees. That payment was returned by your bank for insufficient funds. Of the $579.35 you paid on July 14, 2016, $26.11 was applied toward fees. The amount paid toward fees would not have been enough to cover additional payment due on the account. The payment covered two (2) months of payment as you intended. I am sorry for any misinformation or misunderstanding about the double payment you made going to fees. The vehicle was repossessed because we did not receive any payment after the July 2016 payment to cover the July 2016, August 2016, and September 2016 payments. The repossession is not related to the July 2016 payments received. When a vehicle is repossessed, the Bank requires that the account holder pay the total amount due to redeem the vehicle so it is not sold at auction. The total amount due includes all past due payments, fees, and the repossession fee. Please note that if a vehicle is sold at auction for more than the outstanding balance of the loan, Fifth Third Bank sends a check to the accountholder for the overpayment. Our Collection Department made an exception to allow you to redeem the vehicle by paying just the past due payments owed, and we would then spread the amount of the repossession fee over the next payments for the account. The past due amount owed for those three (3) months was $885.52. We received your $885.52 payment on September 22, 2016. The vehicle was released for your possession that day. I confirmed that you have the following payment scheduled for the loan: ** $454.55 on October 18, 2016 ** $454.55 on November 18, 2016 ** $454.55 on December 16, 2016 ** $266.55 on January 18, 2017 Please note that we do not know what fee will be charged by the repossession company until we receive a bill from that vendor. For that reason, we estimate the repossession bill we will receive until it is charged. The extra $178.34 scheduled per month for three (3) months totals $535.02. However, the actual repossession bill we received and applied to the account on September 28, 2016, was only $477.59. Please feel free to contact the Collection Department if you would like to cancel and reschedule the ACH payments to accommodate the lower repossession fee. The Collection Department can be reached at ###-###-####. That department is available to assist you Monday through Friday from 8 a.m. to 9 p.m., ET, and Saturday through Sunday from 8 a.m. to 5 p.m., ET. 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: Note, Payment History

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: 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

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]

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. 
Although I did not save the original letter they mailed to me, I found online the similar offer (Attached). I remembered clearly that I asked when I activated my card about the promotion, and I was told it's $500 if spending $3,000 for first 3 months, the notes was in my account. And the problem is after 3 months, I called in the card customer service and asked about the promotion, I was told I am qualified according to the notes in my account. Now after waiting and calling for almost 2 month. Suddenly I am not qualified? How shameful is this company keep doing this to her customers!
Regards,
[redacted]

[redacted]Date:   
April 10, 2015Account: [redacted]Re:
Checking AccountDear
[redacted]:We received a copy of your complaint from the
Revdex.com concerning your checking account. We appreciate the time
you have taken...

to document your thoughts and concerns.On August 27, 2013, you opened an Essential
Checking account at the [redacted] Banking Center. At that time, you received
information that explains the services and fees associated with the account,
such as overdraft fees. For your review, I have enclosed a copy of our Rules
and Regulations that you received at the account opening. Pages 11 and 12
provide additional information regarding how credits and debits are received
and the overdraft calculation order.In response to your concern regarding your
account activity, please understand that in some instances we receive
information on credits (+) to your account and debits (-) you made from your
account from third parties. These third parties may include other banks who
received a check you wrote, merchants where you used your debit card, or a
third party that owns a non-Fifth Third ATM (Automated Teller Machine). When an
item posts to your account may vary based on circumstances beyond our control,
such as changes or disruptions in network processing or processing delays by
the third party. Again, we do not control the timing by which a third party may
provide this information to us. However, credits (+) and debits (-) are
generally applied to your account on the first business day they are presented
to the Bank from a third party. Credits (+) are subject to Funds Availability
limitations.I reviewed the debit card transaction from [redacted] for $3.21 that you refer to in your complaint. Our
records indicate that this transaction was authorized by [redacted] on
Saturday, April 4, 2015, at 8:17pm. This transaction debited your checking
account on the next business day which was Monday, April 6, 2015. Your checking
account was not overdrawn on April 6, 2015. Therefore, you were not changed any
overdraft transfer fees for this transaction.After reviewing the activity of your checking
account, I discovered that your checking account was actually overdrawn on
April 2, 2015. The beginning balance in your account was positive $339.79. One
check in the amount of $380.00 posted to your account. Your ending balance was
negative ($40.21). According to your Ready Reserve agreement, on April 3, 2015,
we transferred $52.21 into your checking account from your credit card account
ending in 2674 to cover the item presented to your checking account. Your
checking account was charged a $12.00 overdraft protection transfer fee on
April 3, 2015. Enclosed please find the overdraft notice that was mailed to you
on April 3, 2015.It is important to ensure that you have
sufficient funds in your account to cover transactions you have authorized. For
your convenience, I have also enclosed a reference guide titled Fifth
Third Overdraft Solutions. This
guide provides additional information related to the overdraft fees that may be
assessed to accounts. We also offer ways to track your balance and manage your
account to help avoid overdraft fees on your account in the future.It was certainly not our intention to cause you
any hardship. We sincerely hope this information will help you understand the
Bank's position going forward and resolve your needs. If I could be of any further
assistance, please contact me at ###-###-#### or toll free at ###-###-####.Sincerely,[redacted]Consumer Resolution Specialist Office of the PresidentPc:
Revdex.comEnclosure:
Rules & Regulations handbook, Overdraft Solutions for Consumers, overdraft
noticeAttachments:

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....

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.  Have not received any correspondence or contact from Bank. Submitted new insurance via email and hardcopy still no response.no actions taken until I called bank and complained after 5 calls. Have chosen not to do business with Bank due to poor customer service.
Regards,
[redacted]

Good afternoon, I have spoken to this customer directly on October 28, 20416, (possibly after he sent the Revdex.com message) and we worked through his concerns. We are not submitting an additional response at this time. Thank you! Shawna H.Customer Care Team Specialist IIFifth Third Bank | Office of the President5050 Kingsley Dr.MD 1MOCOPCincinnati, OH 45263

[redacted] Date: August 5, 2016 Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Fifth Third Bank Accounts Dear [redacted]: We received a copy of your...

complaint filed with the Revdex.com (Revdex.com) regarding your checking and credit card accounts. 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 27, 2015, a $750.00 check that you deposited at an Automated Teller Machine (ATM) posted to your checking account ending [redacted]. The check was returned as unpaid because the paying Bank could not locate a valid account associated with the check. A copy of the returned deposit item is enclosed for your review. Because the check was returned for “unable to locate account,” as well as the account’s prior history of overdrafts, our Bank Protection Department made the decision to close your accounts with the Bank. I am sorry for the distress and inconvenience this caused you. Enclosed is a copy of the Terms and Conditions for your checking account. Page ten (10), section eight (8), of the Terms and Conditions states that the Bank may close the account of any customer at any time. Also enclosed is a copy of the account closure letter. Due to the account activity of depositing a check for which the account could not be located, we reported the activity to the intra-Bank monitoring service Early Warning Services. The information can remain on file with Early Warning Services for up to seven (7) years. Typically, banks will check with Early Warning Services when customers apply to open accounts with them. Different banks may have policies in place to not open accounts for customers who have information reported to Early Warning Services. I am sorry for the difficulties you have experienced while attempting to open new bank accounts. We are unwilling to remove the accurate information that was reported. I certainly understand the frustration and difficulties you experienced due to needing to find a new bank, but being unable to do so. Please be assured that it was not our intention to cause you distress. Our Bank Protection Department is tasked with protecting that Bank’s and our customers’ interests. I confirmed that your account was not closed until May 27, 2015, to allow you time to move your automatic debits and direct deposits to a different account. Typically, if we close a customer’s banking relationship with us, all of their accounts are closed. However, your Access 360 prepaid card was permitted to remain open. I am sorry if you are having trouble with the account. Enclosed is a copy of the terms and conditions for the Access 360 account. If you have questions about the account, please feel free to contact our servicer for the account, [redacted], at ###-###-####. That department is open twenty-four (24) hours a day, seven (7) days a week. You mentioned that you spoke to a banking center manager about the account closure. The manager advised they would look into it for you but did not give you information for approximately a month, at which time they advised there was nothing they could do. Unfortunately, I was unable to determine to which banking center manager you spoke. If you are able to provide the manager’s name, or the name of the banking center they worked at, I would be happy to further research your concerns. I can be reached using our address listed above, my phone number listed below, or via fax at ###-###-####. You also expressed concerns about your Secured [redacted] account ending in [redacted]. Your credit card account was opened on March 5, 2015. Enclosed for your review is a copy of the terms and conditions for the account. The Secured [redacted] requires that funds equaling the credit limit for the card be on hold in a savings account. The credit limit for your Secured [redacted] was $300.00. There was $300.00 on hold to secure the credit card in your savings account ending in [redacted]. Enclosed for your review are all of the statements issued to you for this credit card account. After reviewing the account, we determined that not all payments were received by the due date. Per the enclosed statements, we did not receive payment for the payments due in July 2015, September 2015, October 2015, and December 2015. The payments we received in January 2016, and February 2016 were insufficient to cover the minimum payment due. The payment we received in May 2016 was received after the due date of May 24, 2016. A total of $200.00 in late fees was correctly applied to the account for the late payments. $60.00 in late fees was waived from the account as a courtesy. We are unwilling to waive additional fees from the credit card account at this time. You mentioned that you called the Bank regarding your account. Unfortunately, I was unable to locate record of any customer service agents accessing your account, or any recorded phone calls with the Bank. Enclosed is a copy of the Fifth Third Bank Card Agreement for [redacted] and Visa. Page four (4), section twenty-one (21), states that the Bank may revoke your right to use the credit card at any time, for any reason, without providing notice to you. Section twenty-two (22) states that you are in default of the Card Agreement if you fail to make the minimum payment due by the due date. Page five (5), section twenty-three (23), of the agreement states that if your account is in default that we may terminate your account and cancel all cards. Your credit card was closed by the Bank, which we refer to as being revoked, on November 12, 2015, due to the delinquency on the account. At that time, we had not received your $37.74 payment that was due by September 24, 2015, or the $120.83 payment that was due on October 24, 2015. I am sorry for the distress you experienced because we closed the account and it could no longer can be used. Please be advised that you are still responsible for repaying the balance owed to the Bank even if the account is closed. Page four (4), section eighteen (18), of the Card Agreement states that you promise to pay the Bank in full for all transactions on the account including fees, finance charges and other charges. Your responsibility to repay the debt is not removed if we have to close the account due to non-payment. For this reason, we continue to issue monthly account statements while the account has an outstanding balance owed as required by law. When the Bank closes a credit account, the account is reported as closed by the grantor to the credit reporting agencies. This information may have a negative effect on the credit score. Additionally, we confirmed that your payment that was due on September 24, 2015, was not paid until November 24, 2015. Because the payment was received more than thirty (30) days after the due date, a thirty (30) day delinquency was reported to the credit reporting agencies. I verified that the delinquency and the account closure status reported to the credit reporting agencies is correct. We regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to remove the revoked status or the late payment reported. Please note that Fifth Third Bank does not determine or calculate your credit score. Each credit reporting agency calculates your credit score per their own guidelines based on the information reported. We report the status of the account every month, and the credit reporting agency utilizes that information to determine your credit score. I confirmed the outstanding balance owed on the Secured [redacted] as of May 27, 2016, was $104.64. The Bank utilized $105.64 from the secured funds in the savings account ending in [redacted] to pay the card balance in full, including the $1.00 minimum finance charge that would be due for that statement cycle. After the minimum finance charge was applied on June 27, 2016, the balance owed on the credit card was zero (0). There are no additional funds owed for this account. 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: Checking Account Statements (3), Overdraft Notices (9), Checking Account Terms and Conditions, Account Closure Letter, Returned Deposit Image, Access 360 Terms and Conditions, [redacted] Terms and Conditions