Fifth Third Bank

I have submitted my concerns about the practices 5/3 Bank does to charge its customers NSF fees. This matter was not helped by  5/3 Bank. They did call me once just to say that they have received such complaint but did not offer any solution, nor did not even ask me what was the problem.

January 21, 2015
 
 
 
[redacted]
[redacted]
[redacted]
 
 
Re: Checking Account XXXXXX[redacted]
 
 
Dear [redacted]:
 
We received a copy of your complaint filed with the Better Business...

Bureau, concerning your account with Fifth Third Bank. We appreciate the time you have taken to bring this matter to our attention.
 
We would like to offer our sincere apologies for any inconvenience this matter may have caused you. We sympathize with the difficulties you have encountered with your account.
 
We have removed any notation of the charged off checking account from our system. This account is no longer being been reported to [redacted]. You will receive no further communication from the Bank or [redacted] Management in reference to collection of this account. This account has not been reported to [redacted] or any of your credit bureaus. We hope that this letter will meet your satisfaction.
 
We appreciate your feedback as it assists us in identifying problems and allows us to improve the level of service we provide to our customers. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction. If I could be of further assistance to you please call me at ###-###-####, or toll free at ###-###-####.
 
Sincerely,
[redacted]
Consumer Resolution Specialist
Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
Regards,
[redacted]

They need to email me or contact me on [redacted] to how we prevent these service charges

[redacted] [redacted] [redacted] Date: August 16, 2016 Account: [redacted] Regarding Your Transaction Dispute Dear [redacted]: We received a copy of the rebuttal you submitted to the Revdex.com regarding your transaction dispute. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. However, we stand by the response conveyed to you in our prior correspondence dated August 4, 2016. Our position on this matter has not changed. We enclosed a copy of the documentation we received from the merchants with our prior correspondence. The disclosures for the terms of the trial periods state the following: You will have 14 days from your original order date to see if [[redacted]] is right for you. If you are unhappy with the product at any time during those 14 days, you must call us at [redacted] and cancel your order to avoid being billed for the full cost of the product. If you are satisfied and do nothing we will bill you [$89.97/$89.95] for your initial order and every thirty days[.] I have enclosed additional copies of the merchant documentation for your convenience. You placed your orders for the free trial periods on February 4, 2016. Per the disclosures you agreed to on the merchants’ websites, you had fourteen (14) days from that date to cancel your orders. Since you did not cancel within the trial periods, you were assessed for the full cost of the products on February 19, 2016. Based on the documentation we received from the merchants, as well as the documentation you provided, you did not cancel your orders until February 22, 2016. It was certainly not our intention to cause you any hardship. However, we are unable to reconsider your dispute, or return the provisional credits, since all documentation provided indicates that you did not cancel your orders within the trial periods as required under the terms and conditions. If you would like to pursue this matter further, you will need to contact the merchants directly. I understand in your complaint you stated that the merchants’ websites were no longer active; however, we verified on August 10, 2016, that both websites, and the phone numbers for the merchants, are still active. Thank you for your patience while we conducted our additional research. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Merchant Documentation

Revdex.com:
This was not a [redacted]" transaction.  This was transferred from my credit union account to my 5/3 account under what's call "[redacted]".  I don't understand how or why 5/3 stated it was a [redacted]transfer.  Also can 5/3 tell me why a curtailment payment to my mortgage loan was applied as "unapplied credit" when I stated on the transfer to apply to the principle?  I've heard a lot of excuses, but lately I am starting to think this is bad business practices.
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]

January
26, 2015 [redacted]Re: Business Checking Account [redacted]Dear
[redacted]: We
received a copy of your complaint filed with the Revdex.com,
concerning your account with Fifth Third Bank. We appreciate the time you have
taken to bring...

this matter to our attention. We
would like to offer our sincere apologies for any inconvenience this matter may
have caused you, and we sympathize with the difficulties you have encountered
with your account.  We strive to provide professional and accurate service to
our customers, and we regret that the service you received from the [redacted]
Financial Center did not meet the same high standard. I want you to know that I have already taken action on your
feedback, and I have shared the concerns you brought to our attention with the Senior Management
in your region. Additionally, customer feedback is
reviewed by our Senior Management as part of our ongoing commitment to improving
our customers’ satisfaction.The
account closure fee of $[redacted] is disclosed to customers in the Rules and
Regulations Applicable to All Fifth Third Consumer and Business Banking
Accounts and Cards booklet. You should have received a copy of Rules and
Regulations upon opening your account. For your review, I have enclosed a copy
of our Rules and Regulations; page five (5) provides additional information
regarding the fees associated with business accounts.In
the interest of customer service, the [redacted]
Financial Center is willing to waive the account closure fee of $[redacted].
Once all of the pending debit card transactions have posted to your checking
account ending in [redacted], you may visit the [redacted]
Financial Center to close the account. We hope that this letter will meet your satisfaction. Please
be assured that it was not our intention to cause you any hardship and we
regret you feel the need to close your account. You are a valued customer and
we sincerely hope you will reconsider this decision. If I could be of further
assistance to you please call me at [redacted] Sincerely, [redacted] Consumer
Resolution Specialist Office
of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID[redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.There were no messages or documents attached to the response that I received from Fifth and Third Bank.  The response was blank and did not contain any information for me to review.  Therefor, I do not agree with their response and they did not resolve my complaint.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: April 11, 2017 Account: [redacted] Regarding Your Vehicle Lien Release Dear [redacted]: We received a copy of the complaint that you submitted to the Revdex.com regarding the...

lien release for the vehicle securing your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. During our research, we confirmed that we mailed the lien release for the [redacted] to [redacted] on March 13, 2017, March 30, 2017, and April 7, 2017. The lien release was mailed to the following address: [redacted] [redacted] [redacted] On April 11, 2017, our Collateral Department spoke directly with an employee at Premier Source Credit Union and verified that the lien release was mailed to the correct address. The employee at Premier Source Credit Union informed our Collateral Department that they would order a duplicate title once they receive the lien release. If [redacted] does not receive the lien release, please contact me immediately at either number below. I verified that [redacted] requires the original lien release, so we are not able to fax it to [redacted]. Thank you for your patience while we conducted our research. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted]Date: August 26, 2015Account:       [redacted]Regarding Your Installment Loan PaymentDear [redacted]:We received a copy of your complaint submitted to the Revdex.com concerning how your...

payment has been applied on your installment loan. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns.On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. We have thoroughly researched the issue surrounding your last two payments posting incorrectly with $305.62 processing as the regular payment, and $94.38 processing as a curtailment. In addition to the matter most at hand, we regret any confusion this verbiage has caused. To provide clarification, a curtailment is a payment above and beyond the regular monthly payment that can also be referred to as a principal only payment. Additionally, I want you to know that customer feedback such as yours is reviewed with our senior and executive management as part of our ongoing commitment to improving our operations.Our research regarding your payments determined that the regular payment portion set in the reoccurring transfer appear to have inadvertently been set as $305.62 rather than the $385.66 it was likely intended to be. Upon review of your scheduled transfers, it appears that this has been cancelled going forward. If you choose to reschedule the automatic transfer for $400.00, please be sure to double check the amount set for the regular payment portion to avoid future issues of this sort.You may also want to consider enrolling in Auto BillPayer as a convenient alternative to either mailing in or transferring your monthly payment via 53.com. Auto BillPayer will automatically transfer your monthly payment from your Fifth Third Bank checking account to your installment loan at no additional charge. Auto BillPayer makes your total installment loan payment on time each month, preventing the added cost of a late charge. If you are interested in enrolling in Auto BillPayer, please contact Auto BillPayer toll free at ###-###-####, Monday through Friday, 8 a.m. to 5 p.m., ET.I want to assure you that we have verified no late marks were showing on your credit report by performing soft pulls to all three of the major credit bureaus. If you have any issues regarding this matter, please feel free to reach out to me directly.[redacted], I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. 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,Sarah S.Office of the President Pc: Revdex.com

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Regards   [redacted]To; Revdex.com You have ask me if the company addressed the issues? And the answer is No.Then you ask why? And I don't know why they have not contract me.

FIFTH THIRD BANK
September 30,
2014
[redacted]
[redacted]
Re: Checking Account xxxxxx[redacted] Credit Card
xxxxxxxxxxxx[redacted]
Dear Ms. [redacted],
We received the complaint you filed with the
Revdex.com regarding the service you received when...

contacting
Customer Service. We appreciate the time you have taken to express your thoughts regarding this matter.
Your comments expressing less than quality
customer service are very concerning. We strive to provide professional service
to our customers and I regret if this is not the level of service you received.
Please be assured that we have passed along your comments to the appropriate
parties in order to be fully addressed. We sincerely apologize for any
frustration this may have caused you.
In your complaint, you referenced the charging
of monthly service fees. In reviewing your [redacted] accounts, a checking account
and a credit card account, I was unable to locate that you were charged any
monthly service fees during the previous [redacted] statements. I have enclosed
copies of these statements for your review. If you have monthly service fees
that you would like more information regarding, please contact me at the number
listed below so that we are able to further research.
We try to balance providing you with a product
that meets all of your needs while also protecting you as well as the Bank from
significant fraud losses. Please be assured that we take every precaution to
minimize your inconvenience while minimizing your fraud exposure. We advise
customers that are traveling to call Customer Service to inform the Bank of
their trip. I apologize if you were not satisfied with the service you received
during these interactions.
We appreciate your feedback regarding this
matter as it assists us in improving the level of service that we provide to
our customers. If I could be of further assistance, please call me at [redacted]
[redacted]
[redacted]
Consumer
Resolution Specialist Office of the President
Pc: RevDex.com
Enclosure:
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.  They did credit me for one transaction that was their mistake. I believe when you close an account it should be closed no one should be able to make transactions on the account. They also stated that I didn't have overdraft protection. Which I did before I closed the account. Also would like them to send you the statements from around [redacted] time. Mine and my fiances checks go into my account and he gets paid on Wed. at midnight his check didn't post until Friday! So shopping on [redacted] thinking there was money in my account and there was not and they charged a bunch of overdraft fees for this as well. Also my recent statement I was charged a monthly service charge of 12 dollars which I have never been charged for the whole time I have had this account. Just needs looked into further because I think they are trying to fee everyone to death and it's not fair. Regards,[redacted]

[redacted] Date:        July 1, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com regarding the difficulties you have...

experienced with your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. I have shared the information you brought to our attention with the department that opened your account. Additionally, our senior management regularly reviews customer feedback as part of our ongoing commitment to improving our operations. Our records indicate that we had an internet promotion during the time that you opened your account that offered a $200.00 cash bonus promotion with a direct deposit stipulation. We have reviewed your account statements and have determined that you should have been paid the $200.00 cash bonus. It is our understanding that the agent that opened your account neglected to input the code associated with the promotion when she opened the account. As a result, the system did not recognize the promotion and the deposit never posted to your account. An adjustment request was processed on June 30, 2015, to credit your account $200.00. If you have any questions regarding the deposit, please feel free to contact me at the number listed below. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely,   [redacted] Office of the President Pc: Revdex.com

I would like to client to handle this situation the best way possible within the correct business channels.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and while I am NOT AT ALL satisfied with this particular response, I accept that Fifth Third Bank does hold all the power in this matter and will not change its position.  It is a sad reflection about this bank in that it would bend over backwards for an account holder with a much higher net worth to retain their business, but I have come to expect this from the business community in general.  I just hope that, should the day ever come where the respondent is in a similar situation or worse, they are treated with much more compassion that I was. 
Regards,
[redacted]

[redacted], [redacted] Date: July 3, 2017 Account: [redacted] Regarding Disputed Transactions Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. You disputed two (2) transactions that posted to your [redacted] Reloadable Prepaid Card ending in [redacted]. We opened Case # [redacted] for a purchase of $42.82 at [redacted] restaurant. There was a processing delay in issuing a provisional credit to you for this item and the provisional credit of $42.82 was issued on June 27, 2017. It was not our intention to cause you any hardship and I apologize for any inconvenience this may have caused you. Based upon the information you provided within your complaint dated June 20, 2017, we opened Case # [redacted] for a purchase of $35.00 at [redacted]. The provisional credit for this item was issued to the card on June 26, 2017. The merchant has a specific time interval in which to respond and prove that the charge is valid. The provisional credit either becomes permanent or is removed depending upon the merchant’s response. We strive to resolve all investigations as quickly as possible and will communicate the results of the investigation in writing once our research is complete. Our [redacted] Reloadable Prepaid Cards have a dedicated Customer Service Team that can be reached directly toll-free at ###-###-####. They are available twenty-four (24) hours a day, seven (7) days a week if you have additional questions regarding this matter. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

I am not rejecting the response, but I feel I should wait to accept it for 30 days, so I can ensure that their late reporting to credit bureaus have been fixed.Revdex.com:If this doesn't fit with your process, I can accept the response, and check my credit in 30 days and file again if needed.Let me know what works for Revdex.com.
Regards,
[redacted]

[redacted] Date: March 15, 2016 Accounts: [redacted] Regarding Your Identity Alert and Basic Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

concerning your Basic Checking account and the Identity Alert service. We appreciate the time you have taken to document your thoughts and concerns. We completed a review of the Basic Checking account ending in [redacted]. Our review determined that the account was opened on August 18, 2015, but the deposit to fund the account was not made. On November 11, 2015, the account was closed and charged off with a negative account balance of ($200.00). Because the account was never funded, we have removed the reporting from [redacted]. I apologize for any difficulties you experienced when attempting to resolve this matter. 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