Fifth Third Bank

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] [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 I understand in your complaint you stated that the merchants’ websites were no longer active; however, we verified on August 10, 2016, that both websites, and the phone numbers for the merchants, are still active.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

Problem: Last night I waited until 11:58pm - 11:59pm - 12:00am - 12:01am to see if anything comes through my account . There was nothing . I took pictures of the screen with those times shown on my ipad. This morning when I woke up, I was charged $74 again. 53 Bank rips money from people like me by processing transactions at after midnight but still charges overdraft. I have proof of what they do is illegal. No basis I need to be refunded. If not this time my screen shots will be on the news....Desired Outcome: refund immediately

[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

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.  There is no mention of this alleged recording fee anywhere in my previous correspondence with Fifth Third Bank.  If this is, in fact, a legitimate state-mandated fee, it should have been properly disclosed beforehand, noted in the letter confirming payment of the loan, and documented by the government agency in question.  The 5-3 employee I spoke with had no knowledge of this so-called fee and could not explain the discrepancy in the amount of the refund.  It appears that 5-3 simply seized the funds and is trying to justify its actions after the fact.
Regards,
[redacted]

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.

November 2*, 2**4 [redacted] 
[redacted] Re: Credit card xxxx-xxxx-xxxx-[redacted]Dear Ms. [redacted], We received a copy of your complaint filed with the Revdex.com regarding your Platinum [redacted] account. We appreciate the time...

you have taken to express your thoughts and concerns regarding this matter. We understand that this is a difficult time. We offer our deepest condolences for the loss of your husband. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Enclosed for your review is a copy of the credit terms that were sent to you in July 2**3 with the offer for a new credit card. Please note that first (*st) section labeled Annual Percentage Rate (APR) for Purchases under Interest Rates and Interest Charges states that “*% introductory APR for the first *2 Billing Cycles that your Account is open.” Your credit card account ending in [redacted] was opened on September *3, 2**3, and the first (*st) billing cycle occurred on September *7, 2**3. Therefore, the promotional APR ended on September *7, 2**4. I apologize if you misunderstood the introductory [redacted] percent (*%) promotional offer. I was unable to locate any record of a Bank representative advising you that the[redacted] percent (*%) APR for twelve (*2) months began on the date that you made the purchase. While we are unable to refund you for the balance transfer fees you have paid to Bank of America, we have waived the $[redacted] in finance charges that were assessed to the Fifth Third credit card account in the interest of customer service. On November *4, 2**4, we mailed a $[redacted] check to you using the address listed above. If you do not receive this check, please contact me directly using the phone number listed below. Your credit card account was closed on November 3, 2**4. However, if you would like to reopen the card, we can do so within sixty (6*) days of the closure date. Your comments expressing less than quality service are very concerning. If you are able to provide additional information regarding the Customer Service Department personnel with whom you spoke, such as their names and the date and times you called, I would be happy to further research your concerns. I would also like to take this time to apologize for the frustration you experienced when you were not permitted to speak directly to [redacted], President and Chief Operating Officer. Mr. [redacted] is very interested in all customer service issues; however, he has delegated the handling of such matters to various Bank employees, including myself. Please be assured that our executive management, including Mr. [redacted], review complaints received by the Office of the President on a regular basis. You are a valued customer and we regret you felt the need to close your Fifth Third account. We sincerely hope that you will reconsider that decision and continue using Fifth Third Bank for your financial needs in the future. If I can be of any further assistance, please contact me at [redacted] Sincerely, [redacted] Senior Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosure: Credit Terms

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]

Attached is our response filed by [redacted]We received a copy of the complaint you submitted to the Revdex.comregarding your Goal Setter Savings account. We appreciate the time you havetaken to document your thoughts and concerns regarding this matter. On behalf of...

the Bank, please accept my sincere apologies for any inconvenience orfrustration this matter may have caused you. It was certainly not our intentionto cause you any hardship. Fifth Third Bank takes your feedback seriously, andI want you to know that customer feedback is reviewed by our senior andexecutive management teams as part of our ongoing commitment to improving ourcustomers’ satisfaction.On March 19, 2014, you opened a Goal Setter Savings account ending in [redacted] at the [redacted]tFinancial Center. With a Goal Setter Savings account, you set a personalsavings goal, save at your own pace, and track your progress online with InternetBanking. When you reach your goal, you receive an interest bonus. To help youreach your savings goals even faster, funds are kept separate from youreveryday spending and can only be accessed by visiting a Fifth Third Bank financialcenter, or by calling our Customer Service Department at [redacted] totransfer funds into a related checking account. I have enclosed a copy of ourGoal Setter Savings product slick for your review, which provides additionalinformation about the benefits you receive with your account.On November 27, 2014, our records show that you attempted to access your GoalSetter Savings account from an ATM (Automated Teller Machine). However, becauseyou are unable to access funds from a Goal Setter Savings account through anATM, you were unable to withdraw the funds from your account on that day.Additionally, you attempted to withdraw $103.25 from your savings account,while the available balance was only $0.80. You also attempted to withdrawfunds from a checking account, although you do not have any open checkingaccounts with the Bank. On November 28, 2014, we received your direct deposit of $651.30. Because FifthThird Bank does not place holds on electronic direct deposits, the funds wereimmediately available to you the day we received the deposit. Our recordsreflect you withdrew $600.00 from the account on the same day at the [redacted]East Financial Center. As of December 4, 2014, your available balance is$10.10.Ms. [redacted], thank you for your patience while waiting for a response. It is awell-known fact that no business can survive without its customers, and we wantto assure you that we truly value your banking relationshipwith us. If I could be of further assistance to you, please contact me directlyat [redacted].Sincerely,[redacted]SeniorConsumer Resolution SpecialistOfficeof the President [redacted]

[redacted] Date: October 28, 2016 Regarding [redacted] Mortgage Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com on behalf of [redacted] regarding her...

mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Since you are not a co-signer on [redacted] mortgage loan, we are unable to share any details regarding her mortgage loan with you. Security measures such as these are in place to protect our account holders from potential fraud, and I am sorry for any inconvenience this may cause you. Please be assured we thoroughly researched this matter and sent a detailed response to [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, Elizabeth D.Office of the President Pc: Revdex.com

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

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 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.

Date Sent: 9/2/2015 7:06:14 PM[redacted] Date: September 2, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com, regarding the overdraft fees assessed to your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. As stated in our previous correspondence dated August 18, 2015, online bill payments that are scheduled via 53.com and paid electronically, can be cancelled or modified up to two (2) days prior to the scheduled payment date by 4:00 p.m. ET. Online bill payment paid by check can be cancelled or modified up to four (4) days prior to the scheduled payment date by 4:00 p.m. ET. On July 28, 2015, the following bill online payments were scheduled to be posted to your checking account with an effective date of July 30, 2015: [redacted] $414.00 [redacted] $319.08 [redacted] $142.88 [redacted] $102.63 [redacted] – Monthly Service $93.35 [redacted] – Eastern Region $23.53 On July 30, 2015, the beginning balance for your checking account was $0.88. The six (6) online bill payments noted above totaling $1,095.47 posted to your account. Therefore, your ending account balance was negative ($1,094.59). Due to insufficient funds, six (6) overdraft fees totaling $222.00 were assessed to your account and posted the following day. We sympathize with the difficulties you have encountered regarding your checking account. As a result, overdraft fees totaling $150.00 were reversed and credited back to your checking account on August 10, 2015 in the interest of customer service. Therefore, our position on this matter has not changed and we are not willing to reverse any additional overdraft fees at this time. [redacted], please be assured that it was not our intention to cause you any hardship or frustration. 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 [redacted] Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S. Office of the President Pc: Revdex.com

[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

February 10, 2015 [redacted] 
[redacted] Re: [redacted] Banking Center Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning the Image Automated Teller Machine (ATM) at...

the [redacted] Banking Center. We appreciate the time you have taken to bring this matter to our attention. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We thank you for being a long time customer, and for your feedback as it assists us in identifying problems and to continuously improve the level of service we provide to our customers. Customer service is of the utmost importance to all of us at Fifth Third Bank. Some of the benefits with the new Image Automated Teller Machines are: ? The machine requires no envelope to make a deposit. Assuring a deposit posts to the proper account. ? Cash deposits are verified immediately for bill denominations and authenticity ? The machines are able to recognize and reject counterfeit bills ? Eliminates the ability for a customer to attempt an empty envelope deposit ? Checks are sent immediately for an automated clearing process ? Receipts with check images available at the time of deposit On February 1, 2015, you attempted to make a deposit into the Image ATM at the Piqua High Banking Center. In your letter, you mention that the deposit should have been $[redacted] but that the machine malfunctioned and sent back $[redacted] and retained your ATM card. On February 2, 2015, a dispute was entered with our Dispute Resolution Department. The dispute was assigned case #[redacted]. As part of the dispute process, the dispute resolution team did post a $[redacted] credit to your checking account ending in[redacted]. This credit will remain on the account while the dispute is investigated. The contact information for the Dispute Resolution Department is [redacted]. Fifth Third Bank works continuously to make decisions that allow us to provide high levels of service to our customers in addition to meeting the needs of our employees, and shareholders. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may cause you. It is not our intention to cause you any hardship. Fifth Third Bank, Member[redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Thank you for this opportunity to respond to your concerns. You are a valued customer and we look forward to serving your future financial needs. If I could be of further assistance to you please call me at [redacted], or toll free at [redacted]. Sincerely, [redacted] Senior Consumer Resolution Specialist Office of the President

The permanent address we have on file for the customers is [redacted], the mailing address is [redacted]. The coupon book would have been sent to [redacted]. If the customers need to make changes to the addresses they have on file they can visit a 5/3 Banking Center, call the Customer Service Department, or myself, to make sure that this is properly updated. The Customer Service Department can be reached toll-free at ###-###-####, Mondaythrough Friday: 7:00 a.m. to 8:00 p.m., Saturday 8:30 a.m. to 5:00 p.m., ET. I can be reached at ###-###-#### or toll free at ###-###-####, Monday throughFriday, 8 a.m. to 6 p.m., ET.Thank you for helping with this,________________________________________________________________Sarah S.| Consumer Resolution Specialist | Office of the PresidentFifth Third Bank | 5050 Kingsley Dr. Cincinnati OH 45263 | MD 1MOCOP

[redacted] Date: May 1, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your checking 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 July 27, 2012, we received a wage garnishment order for your account. The available balance in your checking account on July 27, 2012, was $427.57. As a result, we placed the $427.57 in your account on hold until the funds could be sent for the garnishment. I reviewed our records and confirmed that the $427.57 was unavailable in your account from July 27, 2012, through November 14, 2012, when we paid the garnishment. After we placed the $427.57 on hold, the available balance in your checking account was zero ($0.00). However, on July 30, 2012 you withdrew $240.00 from the checking account at an Automated Teller Machine (ATM), which reduced the available balance to negative ($187.57). Please note that your checking account had the ability to become overdrawn. You also had the ability to see at the ATM that the available balance was zero ($0.00). Additional Automated Clearing House (ACH) and check transactions processed against your account, but they were returned as unpaid because the Bank would not allow the available balance to become further overdrawn. On November 14, 2012, we paid the $427.57 per the garnishment order. Please note that during this time, two (2) returned items and overdraft fees of $37.00 each were assessed. The balance in your checking account on November 15, 2012, was negative ($314.00) due to the ATM withdrawal you completed and the fees totaling $74.00. You did not make any additional deposits to the account, so the balance remained negative. As a result, the account was charged off on January 8, 2013. The account was sold to the third (3rd) party collection agency TMT Management on December 16, 2013. Enclosed for your records are all of the checking account statements issued for the account. We confirmed that no Bank error occurred and the charged off balance is valid. Please note, however, that TMT Management is no longer in business and we are unable to verify what agency may now own the debt or the amount of debt that company may be collecting. I confirmed the account is not being reported to the intra-bank monitoring agencies [redacted] or [redacted]. We are also not reporting the account to any of the credit reporting agencies. We cannot remove a credit bureau reporting that is being reported by a different company. 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 and Notices

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]

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