Fifth Third Bank

Account still has overdraft charges.

We received a copy of your complaint, filed with the Revdex.com,regarding your experience with the ATM (Automated Teller Machine) located atthe [redacted] Bank Mart. We appreciate the time you have taken to express yourconcerns regarding this matter.  On behalf of the...

Bank, we would like to offer our sincere apologies for anyinconvenience this matter may have caused you. Please be assured that FifthThird Bank takes your feedback regarding your experience very seriously, and Ihave contacted the relevant parties to pass on your concerns.  We strive to provide professional andaccurate service to our customers, and I regret that the service you receiveddid not meet the same high standard. I apologize that you did not receive the funds you requested when you made an ATMwithdrawal from a Fifth Third Bank ATM. Unfortunately, your dispute could notbe processed by Fifth Third Bank for your [redacted]r OneCard.  It is our understanding that you have been reimbursed for the funds debited fromyour [redacted] Card. If still you have not receivedfull credit for the unsuccessful ATM withdrawal or have additional questionsconcerning your card, please contact the customer service number on the back ofyour [redacted] Card.  It was certainly not our intention to cause you any hardship and we appreciateyour patience while we researched this matter. If I could be of furtherassistance to you, please call me at [redacted]
[redacted] Sincerely,[redacted]
[redacted] ConsumerResolution Specialist Officeof the President

[redacted] Date: August 17, 2016 Account: [redacted] Regarding Your Credit Bureau Reporting Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com regarding the information on your credit report. We appreciate the additional time you have taken to document your thoughts and concerns in this matter, and we sympathize with the difficulties you have experienced. On July 28, 2016, we received your original complaint filed with the Revdex.com. On August 5, 2016, we received a copy of your follow up complaint filed with the Revdex.com. However, we stand by the response conveyed to you in the previous letter we sent on August 3, 2016. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. On April 15, 2016, you contacted our customer service department to inquire about the credit bureau reporting for your account. You were transferred to the bankruptcy department, who informed you that the Bank would send a request to the credit reporting agencies to update the credit bureau reporting. Although this request was submitted to the credit reporting agencies, we are unable to dictate what information the credit reporting agencies will report. As noted in our prior correspondence, the mortgage loan was included in your Chapter 13 Bankruptcy filed on September 14, 2007. The Bank is not permitted to report payment information during the bankruptcy. Your bankruptcy was discharged in September 2012. Our review of the information provided to the credit reporting agencies determined the Bank did begin reporting your account information in 2013. However, [redacted] and [redacted] elected not to update the reporting for the account due to the bankruptcy and the time during which the reporting was suspended. As mentioned in our prior response, [redacted] is reporting your mortgage loan information. Please note, the Bank is unable to change the decision of [redacted] and [redacted] not to report your mortgage loan. If you would like to contact the credit reporting agencies directly, their contact information is provided below for your convenience: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### I hope this correspondence addresses any outstanding questions you may have had related to this issue. We truly value your business, and we look forward to continuing to serve your financial needs. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Prior Response

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. I was contacted and told that the hold was because my account was new and that when I deposited my next check this would not be an issue. Believing that they were being honest I did go ahead a deposit my next check from the same job same issuing bank and guess what once again I'm being told my check is on hold for yet another 2 weeks this account has put me in a bad position with obligations I have to pay I've got late fees and my car insurance almost cancelled because I'm unable to get to my funds to pay my bills . If they were honest that would have been nice but the representative lied and nothing got resolved.
Regards,[redacted]

[redacted]Date: April 21, 2015 Account: [redacted]Re: Closed Credit CardDear [redacted]:We received a copy of the complaint you filed with the Revdex.com regarding your Fifth Third [redacted]. We truly appreciate the time you...

have taken to share your thoughts and concerns with us.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers' satisfaction.On March 10, 2014, the Bank received and approved your application for a Fifth Third [redacted]. On February 5, 2015, you contacted our customer service department and requested your address to be updated and that your account be closed. The agent updated your address and also closed your [redacted] during this phone conversation. On February 14, 2015, you contacted the customer service department about receiving convenience checks associated with your credit card. As the agent mentioned in this conversation, the checks were generated and mailed prior to your phone conversation on February 5, 2015 when you requested your credit card to be closed. I apologize for any confusion or frustration this process may have caused you.On April 10, 2015, you again contacted the customer service department and the agent stated he would have a letter generated and mailed to you within two (2) business days plus mail time. I'm hopeful you have received that letter. In the event you have not received that notice, please use this letter as verification that your [redacted] account was closed on February 5, 2015.Thank you for your patience while we researched this matter for you. You have been a valued customer, and we certainly hope you will consider using Fifth Third Bank for your financial needs in the future. If I could be of further assistance to you, please contact me directly at 513­358-2985, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Senior Consumer Resolution Specialist Office of the PresidentPC: Revdex.com

[redacted] Attn: [redacted] Date: June 23, 2016 Account: [redacted] Regarding Your Recent Deposit Hold Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com...

regarding your ATM (Automated Teller Machine) deposit and the subsequent hold placed on the funds. 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 inconvenience or frustration this matter may have caused you. It was certainly not our intention to cause you any hardship. I 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 are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately; the remaining funds will be made available on the next business day. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday, or a Federal holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal holidays. ATM deposits received after the cut-off time of 7:00 PM EST (Eastern Standard Time) will be treated as deposited on the next business day. In some instances, we reserve the right to place a hold of a longer period of time on a deposit. The full amount of the deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the seventh (7th) business day after the day of your deposit. For your convenience, I have enclosed a copy of our current Rules and Regulations. Please refer to pages eighteen (18) and nineteen (19), which provide additional information regarding funds availability policy. You deposited a check into your checking account ending in [redacted] for $1,352.00 at a Fifth Third Bank ATM on June 15, 2016. A hold was placed on this deposit due to repeated overdrafts on this account. Because your deposit was not made in person, we were unable to notify you at the time of the deposit that there would be an extended hold on the funds. The hold was placed systematically based on the information received at the time of deposit. For this reason, we mailed a notice to you at the address listed above on June 16, 2016, that notified you of the hold that we placed. The notice explained that $1,352.00 would be on hold and would become available to you on June 24, 2016. I have enclosed a copy of the hold notice for your convenience. I apologize for any misunderstanding that may have occurred with this matter. Please be assured, I have verified that as of June 23, 2016, no fees have been received on your checking account associated with this transaction. [redacted], I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. If I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET Sincerely, Sarah S.Office of the President Enclosures (2): Rules & Regulations Important Information about Your Recent Deposit Letter

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.  I received notice of the adjustment from the Bank representative [redacted] in [redacted].  I have not received the enclosed letter to date.  I agree with the findings from Fifth/Third Bank and therefor consider my complaint closed.  There are though some inconsistencies with what the letter said and what the bank manager related tome.  I was told by her that I had to close out the auto-pay and the letter informed me that it was automatically shut down.  Secondly.  The payment hit my savings account on one day and an overdraft was presented.  It hit the same account on the second day with another charge for the over draft.  I was not informed of either overdraft until over a week later and my only knowledge of the overdraft was when my wife checked on the account due to her using the checking account for a transaction which she does monthly.  This is strange that fees are charged but there is no contact with the consumer.  I had $74.00 of overdraft fees before I even knew there was a problem  This is something that needs to be corrected by the banking industry.Thanks very much for the assistance.  I was very angry over what happened.  I closed out the account and then had payments made to a $0.00 balance account.  Something should have registered in this day of computer banking.
Regards,
[redacted]

[redacted] Date: March 28, 2017 Regarding the Mortgage Interest You Paid Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding the mortgage interest you paid on [redacted] mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. I also want to thank you for taking the time to speak to me about your concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. After speaking with you on March 21, 2017, I reached out to Fifth Third Bank’s legal counsel for advisement. Unfortunately, we are unable to send the Form [redacted] Mortgage Interest Statements for [redacted] mortgage loan to you because you are not a signer on the loan. You may want to consider consulting a tax advisor about how to claim the mortgage interest you paid on your tax returns without copies of the Mortgage Interest Statements. 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

We received a copy of the complaint filed with the Revdex.comregarding disputed purchases that posted to your debit card. We appreciate thetime you have taken to document your thoughts and concerns regarding thismatter. On behalf of the Bank, please accept my sincere apologies for...

anyinconvenience or frustration this matter may have caused you.On September 11, 2014, we received your disputes for a purchase of $89.95 from Skin on September 9, 2014, and for apurchase made by [redacted] inthe amount of $85.95 on September 10, 2014. On September 11, 2014, we postedprovisional credits in the amounts of $89.95 and $85.95 to your checkingaccount while we investigated your disputes.During our investigation, we received credit for the$85.95 purchase from [redacted].Therefore, the dispute for this purchase was approved and the provisionalcredit that posted to your account will remain as a final credit. Whileinvestigating the purchase of $89.95 from [redacted],we received documentation from the merchant showing that the purchase wasvalid. Due to this reason, we denied your dispute and reversed the provisionalcredit of $89.95 from your checking account on November 4, 2014.Once we received your Revdex.com complaint, we filed a rebuttal disputefor the charge of $89.95 from Skin.The additional investigation into this transaction may take up to sixty (60)days to complete. We will have a final determination by January 24, 2015. Ifthe rebuttal dispute is found to be in your favor, $89.95 will be credited toyour checking account. If your rebuttal dispute is denied, your checkingaccount will not be affected. You will receive notification from our disputesdepartment as soon as their investigation if finalized.Ms. [redacted], thank you for your patience while we researched this matter for you. You are a valuedcustomer, and we look forward to serving your financial needs in the future. IfI could be of further assistance to you, please call me directly at[redacted]Consumer Resolution Specialist Office of thePresidentPc: Revdex.com

[redacted] Date: November 30, 2016 Account: [redacted] Regarding Your Fifth Third Bank Account 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 am sorry for your unsatisfactory experience during your previous attempts to resolve this matter. Please be assured we have researched this matter fully, and passed your concerns on to the relevant parties within the Bank. You opened the Essential Checking Account ending in [redacted] on July 12, 2016, in order to take advantage of a promotion where the new account would receive a credit of $200.00 if the qualifying activity criteria were satisfied. The qualifying activity included setting up direct deposit and making three (3) online bill payments using Fifth Third Bank’s online bill payment service within ninety (90) days of opening the account. I have enclosed an example of the terms and conditions listed on the promotional material. Because the online bill payment requirement was not satisfied, the account does not qualify for the $200.00 promotional bonus. I regret that you found the process of setting up a payee in our online bill payment service difficult. In order to add a payee through the mobile app, please follow these steps: 1. Log into the mobile banking app; 2. Select the MENU ICON located in the top left corner of the screen; 3. Click PAYMENTS; 4. Click the ADD PAYEE icon (envelope with a plus sign) located in the top right corner of the screen; 5. Select ADD PAYEE; 6. Enter the Payee Name; a. If the Bank has a relationship with the payee, suggested matches will appear. Select the correct payee address from the list. 7. Enter your Account Number; 8. Enter the address of the Payee, if required; 9. Click ADD located in the top right corner of the screen; 10. The next screen displayed will be the NEW PAYMENT screen where you can initiate a payment to the new payee. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com Enclosure

[redacted] Date: March 23, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com concerning a...

recent mobile deposit to your checking account and the overdraft fees assessed to your account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience the delay in resolving this matter may have caused you. When someone contacts the Bank we expect that each situation will be taken care of in as timely a manner as possible and we regret any difficulties you may have encountered. Your comments expressing less than quality service are very concerning. Our goal is to provide professional and accurate service to our customers and I am sorry if that has not been your experience. You mentioned in your complaint that you made a check deposit via Fifth Third Mobile Banking after 9 PM Eastern Standard Time (EST) on February 29, 2016. Our records indicate the mobile deposit was made at 9:16 PM EST. If a deposit is made after 9 PM EST, the deposit transaction will post to your account on the following business day. This was disclosed to you in our Digital Services User Agreement in which you agreed on our internet banking website, www.53.com. I have enclosed a copy of this agreement for your review. We are continually working to ensure that the funds from your deposits are available in a timely manner, while meeting all federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately; the remaining funds will be made available on the next business day. For deposits made on Saturday, Sunday, or a Federal Holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal Holidays. Our Funds Availability policy is covered in the Rules and Regulations document that was provided to you when you opened your account. A copy is also available for review on 53.com. The mobile deposit of $298.58 that you made after the cut off time on February 29, 2016, posted to your checking account on March 1, 2016. However, only $100.00 was available in your account that day. If the available balance in your checking account is not sufficient to cover items that post to your 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 occurrences, the charge is $37.00 per item. On March 1, 2016, your beginning checking account balance was $72.86. The mobile deposit of $298.58 posted to your account, however, only $100.00 was immediately available. Two (2) web initiated payments totaling $216.00 posted to your account. Since the available balance in your checking account was not sufficient to cover the items that posted, your checking account was charged two (2) overdraft fees of $37.00 each on the following day. I have enclosed a copy of the overdraft notice sent on March 2, 2016, for your review. It is important to ensure that your account has enough available funds to cover all of the transactions that post to the account. However, in the interest of customer service, on March 15, 2016, the$74.00 in overdraft fees that was charged to your account was waived. You will see this credit to your account on your next statement. 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, please feel free to contact me using the information provided below. You can also 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 we researched this matter. You are a valued customer and we look forward to servicing your future financial needs. If I may 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, Lisa S. Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. My view on the matter is their system is faulty and their staff is rude and unaccommodating and if I can't trust my bank I will go elsewhere these fees are not merited and they are on a grand stand to make a point. I will close my accounts and several times with this institution as a whole.
Regards,
[redacted]

[redacted] Date: May 24, 2016 Account: [redacted] Regarding Your Fifth Third Bank Platinum [redacted] Dear [redacted]: We received a copy of the follow up complaint you filed with the Better Business...

Bureau, regarding your credit card account. We appreciate the opportunity to respond to this matter. The Bank received your original complaint on March 22, 2016. We received a duplicate complaint you filed with the [redacted] on March 30, 2016. We received your latest correspondence on May 18, 2016. However, we stand by the responses conveyed to you in the previous letters sent on April 1, 2016, and April 4, 2016. Our position on this matter has not changed. If a payment does not post by the due date, it is subject to collection activity. The Bank’s guidelines for contacting customers allow for telephone calls seven (7) days a week from 8:00 a.m. until 9:00 p.m., including holidays. Several calls may be placed each day in an effort to remind customers that a payment is due and to obtain payment arrangements to prevent late fees or derogatory credit bureau reporting. Please accept my sincere apology for any inconvenience or concern this situation may have caused you. Per your request, we have removed your telephone number from our systems. You will no longer receive telephone calls regarding the delinquent status of your credit card account. Please note that this does not stop other collection activity related to the delinquency, including late charges, finance charges, or reporting to the credit bureaus. Because you did not make the minimum payment due for your credit card statements dated December 6, 2015, and January 6, 2016, the Bank revoked your access to make transactions with your credit card on February 5, 2016. When a card is revoked, the customer will receive statements, and are responsible for making payments toward the balance. However, the Bank does remove your ability to make payments through our website, 53.com. If you would like to make payment arrangements for your credit card, please contact our collection department at ###-###-####. A collection agent is available to assist you, Monday through Friday, 8 a.m. to 9 p.m.; Saturday and Sunday 8 a.m. to 5 p.m., ET. Please note, the collection department will be able to schedule three (3) future payments; however, they are not able to schedule a long-term recurring payment. Thank you for your patience while waiting for a response. We sincerely hope this information will help you understand our position going forward. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Prior Responses

Please find attached our response to the complaint filed by [redacted]. January 23, 2015[redacted]Re: Credit Card XXXXXXXXXXXX[redacted]Dear [redacted]:We received a copy of the complaint filed with the Revdex.com regarding your Fifth Third Bank credit...

card account. We appreciate the time that you have taken to document your thoughts and concerns regarding this matter.On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. Please be assured that we have contacted the relevant parties to fully research the credit card payment in question and passed on your concerns. We strive to provide professional and accurate information to our customers in as timely a manner as possible.Your credit card account is considered delinquent, and may be blocked for further usage, if we do not receive the total minimum payment by the due date indicated on your monthly statement. During that time, our Collection Department will attempt to notify you of the delinquent status and will attempt to make payment arrangements.You have several options available if you wish to review your credit card account balance and the minimum payment due including via the Internet at [redacted] visiting your local Fifth Third Financial Center, or by calling our Customer Service Department at ###-###-#### to utilize our Interactive Voice Response system (IVR) or to speak to an agent directly.On October 28, 2014, your credit card account was past due two (2) minimum payments totaling $115.00 for September 2014 and October 2014. We did not receive a payment on that day. Therefore, a late fee of $35.00 was assessed to the account. Since your credit card remained delinquent during two (2) consecutive months, the account was revoked and cancelled on November 3, 2014. Due to this reason, you are no longer able to use the card even after we received the sufficient payment to return your account to a current state.On November 28, 2014, your credit card account balance was $353.57, with a minimum payment due of $155.00. A payment was received on November 8, 2014, for $155.00 via our IVR system. This payment served to satisfy the minimum payment amount due at that time. However, this payment did not pay off the full balance on the account. When a customer calls into our IVR system, the credit card account menu gives the customer the option to get details of the account balance. The system will provide the available credit amount, the minimum payment amount and date due. The IVR system will not provide the full account balance due at that time. I apologize for the frustration this may have caused you.   Fifth Third Bank, Member FDIC. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp   On December 3, 2014, a credit card statement was processed and mailed to you at the address listed above. The account balance owed at that time was $200.93 with a minimum of $35.00 due on December 28, 2014. After a review of the payment history for this account, we have determined that a payment has not been received since November 8, 2014. As of today, your credit card remains past due with a minimum payment of $73.00 due on January 28, 2015. I have enclosed the current credit card statement for your review.Please ensure that you make timely payments to prevent any further collection proceedings. To make additional payment arrangements, please contact our Bankcard Loss Mitigation Group to inquire about any possible repayment options via telephone at ###-###-####, option 3, Monday thru Thursday from 8:00 AM until 7:00 PM EST (Eastern Standard Time) or Friday from 8:00 AM until 4:30 PM EST (Eastern Standard Time).We sympathize with the difficulties you encountered with our IVR system when you attempted to pay off your credit card balance. Therefore as a courtesy to you, on January 21, 2015, we reversed the late payment fee of $35.00 that posted to your account.Thank you for your patience while we conducted our research into your concerns. 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 ###-###-####.Sincerely, [redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.com Enclosure: credit card statement

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: April 20, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding the information...

reporting on your credit report for your installment loan. We appreciate the time you have taken to express your concerns regarding this matter. It was certainly not our intention to cause you any undue frustration and we sympathize with the difficulties you encountered when inquiring about your installment loan. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience you may have caused. Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. Our Consumer Contact Center strives to provide professional and accurate service during every telephone call they receive throughout the day. I am sorry if your telephone call experience did not meet the same high standard. We have completed our review of the payment history reporting on your credit report for the above referenced installment loan. Our review determined that the information provided to the credit reporting agencies is accurate. On July 30, 2012, your installment loan was charged off for $363.20. Our records indicate that we received a full recovery payment for this charged off amount on February 26, 2013. I have enclosed a copy of the payment history for your review. 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 prior negative reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this matter 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, Lisa S. Office of the President Pc: Revdex.com Enclosure: payment history

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: March 24, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your Fifth Third...

Bank checking account. 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 or frustration this matter may have caused you. On February 23, 2016, we received your dispute for a payment of $470.77 from [redacted] that posted to your checking account on February 22, 2016. We opened case # [redacted] and began our investigation. The dispute was denied and the case was closed on February 24, 2016. Since this transaction was a pre-authorized transfer, the transaction needed to be cancelled with the merchant prior to the posting date of the transaction. If you have any questions about the investigation completed, you may contact our Disputes Department directly at ###-###-####, Monday through Friday, 8 AM to 5 PM EST. It is important to ensure that your checking account has enough funds to cover all of the transactions that post to the account. As a valued customer, we have reversed a total of $111.00 in overdraft fees within the past twelve (12) months. Therefore, we are unwilling to waive any additional overdraft fees on your checking account. I apologize if you were told otherwise. We appreciate your patience while waiting for a response. Thank you for your long standing business with Fifth Third Bank and we look forward to servicing your banking needs in the future. 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

Thank you for your email. We are standing by our prior response to [redacted] on July 19, 2016, which stated that after multiple communications with him via mail, we consider the issue closed and will no longer be responding. Please let me know if you need anything else. Thank you,Jennifer  Jennifer L. C.Fifth Third Bank, Office of the President5050 Kingsley Dr.Cincinnati, OH  45263MD 1MOCOP

September 26,
2014
[redacted]
[redacted]
Re: Customer
Service
Dear Mr. [redacted],
We received a copy of the complaint you
submitted to the Revdex.com regarding your recent call to our
Dispute Resolution Department. 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 the level of service you received when you contacted our Dispute
Resolution Department regarding a disputed debit card transaction. Please be
assured that Fifth Third Bank takes these matters seriously, and we strive to
provide an exceptional experience to our customers. After receiving your
complaint, I forwarded your concerns to the relevant parties who thoroughly
reviewed this matter. 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. However, I cannot inform you of any
specific internal actions that may have been taken.
The disputed charge of
$[redacted] from [redacted] posted
to your checking account ending in 6843 on
September 19, 2014. As your were informed during your call to our Dispute
Resolution Department, per [redacted] guidelines,
we have to allow [redacted] days for the merchant to process the refund
before we can begin the dispute process. If the merchant has not credited your
account within this timeframe, please call our Dispute Resolution Department at
[redacted] to initiate a dispute for the transaction. They are available
Monday through Friday from 7:00 AM EST (Eastern Standard Time) until 8:00 PM
EST, on Saturday from 8:30 AM EST until 5:00 PM EST, and on Sunday from 11:00
AM EST until 4:00 PM EST.
Mr. [redacted], thank you for your patience while
waiting for a response. It is a well-known fact that no business can survive
without its customers, and we want to assure you that we truly value your
banking relationship with us. If I could be of further assistance to you,
please contact me directly at [redacted], or toll free at [redacted]
Sincerely,
[redacted]
Consumer Resolution Specialist Office of the President
Pc: RevDex.com