Fifth Third Bank

[redacted] [redacted] [redacted] [redacted] Date: August 24, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding...

level of service you received when submitting a dispute for the Automated Teller Machine (ATM) deposit that did not post to your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience you experienced when attempting to resolve your ATM dispute. Please be assured that I have contacted the relevant parties to pass on your concerns regarding the Disputes Department and express your dissatisfaction with the service you received from the representative involved. We strive to provide professional and accurate information to all of our customers, and we regret if the service you received did not meet the same high standard. I also want to let you know that the manager of the Disputes Department addressed this matter with the employee involved. However, I cannot inform you of specific internal correction actions that may have been taken with the employee. When disputing PIN (Personal Identification Number) based transactions or ATM deposits on your Enhanced Jeanie debit card, we strive to resolve the dispute in as timely a manner as possible. Please be aware that if our research supports your dispute, any provisional credit issued will become final and remain in your account. However, if our research does not support your dispute the provisional credits will be debited from your account. After we have completed our investigation, a final resolution letter will be sent to you detailing our findings. On May 29, 2015, we received your dispute for the missing check deposit of $600.00 that was retained by the ATM and not posted to your checking account. On that day, a provisional credit in the amount of $600.00 posted to your checking account. While conducting our research, we were not able to locate the missing check in question. Typically, camera footage for an ATM is utilized and reviewed when a fraud claim is involved with the dispute. Since your ATM dispute was not a fraud situation, the ATM camera footage was not examined. Unfortunately, your dispute was denied on July 9, 2015. At that time, a notification was sent to the address on file to inform you that the provisional credit of $600.00 would be removed from your account that day. While we are truly sorry for the inconvenience you experienced, we are not willing to compensate you for this matter. [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] [redacted] Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S. Office of the President Pc: Revdex.com

[redacted] [redacted] [redacted] [redacted] Date: September 1, 2016 Account: [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning a debit card dispute. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On May 31, 2016, you disputed a transaction dated May 26, 2016, for $350.00. The merchant associated with the transaction was [redacted]. For your records, I have enclosed a copy of the letter you provided the Dispute Resolution Department regarding the non-receipt of services from your attorney. I have also enclosed a copy of your checking account statement reflecting this purchase. The Disputes Resolution Department opened case [redacted] to investigate your claims of non-receipt of services. Based on the information you provided in your dispute, our investigators denied your claim. Please note the Bank is unable to reopen the investigation, and the Bank has no dispute rights based on the information you provided to the Dispute Resolution Department. Our position on this matter has not changed and we are unable to further pursue these disputes. You may wish to contact an attorney to determine what civil actions against [redacted] you could pursue at this time. It was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. 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 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 Enclosures: Disputes Letter, Statement

October 23, 2014
[redacted]
Re: XXXXXX[redacted]
Dear Mr. [redacted],
We
received a copy of your complaint filed with the Revdex.com,
regarding the level of service received during the application process for your
mortgage loan. We...

appreciate the time you have taken to document your thoughts
and concerns regarding this matter.
Your comments expressing less than quality service are
very concerning. On behalf of the Bank, please accept my sincere apologies for
any inconvenience these matters may have caused you. Please be assured that I
have contacted the relevant parties to express your dissatisfaction with the
service you received and passed on your concerns. We strive to provide
professional and accurate information to all of our customers, and we regret if
the service you received did not meet the same high standard.
When applying for a new mortgage loan, several factors
are reviewed to ensure the required guidelines for the loan product are met and
to issue final approval for the new account. Additional reviews and inspections
may be needed depending on the type of collateral property involved.
On July 2, 2014, you submitted a mortgage loan
application via telephone for the property located at [redacted],
[redacted]. It should be noted that the collateral property noted
on your application is a manufactured home. Initial vendor work including the
appraisal, were ordered in the days following your application submission.
Please be aware that the processor assisting with your application did not
specifically place the order for your appraisal at that time.
On July 8, 2014, the physical appraisal for the
manufactured home was completed. On July 10, 2014, your application was
conditionally [redacted] subject to several conditions, which included the Bank
obtaining an appraisal for the property in question. On July 17, 2014, the
completed appraisal report was provided to the Bank and reviewed by our
collateral underwriting department the following day. In the appraisal, it was
noted that the utilities (electric and water) were not on. The utility company
is only able to determine if the utility in question has been turned on and is
active for the property. Therefore, an additional review by the appraiser was
required to confirm that the utilities were functioning properly.
In addition, the appraisal required a structural
engineers report to ensure that any modifications, changes or additions to the
manufactured home did not affect the integrity of the structure. It should be
noted that this report was needed because the collateral property was a
manufactured home. The state that the property was located in was not relevant
to the report required by the appraisal. We regret the additional fees incurred
due to these items. However, our guidelines required that these items be
completed to issue final approval for your mortgage loan.
During the week of July 21, 2014, our processor provided
both you and the real estate agent involved with updates concerning the
additional items noted in the appraisal that were needed to proceed. On July
28, 2014, our processor informed you that the final inspection had been
ordered. The appraiser was scheduled to go out the day and confirm the
utilities were functioning properly at the property. A follow up email from our
processor was also sent the following day to inform you of what the structural
engineers report should cover and include. On July 30, 2014, we received the
final appraisal report which verified the utilities were on and working
correctly. The structural engineers report was received and reviewed by the
Bank on August 4, 2014.
While your application was being reviewed for final
approval, we requested that [redacted] verify that
the signor on the sales contract was authorized to sign on behalf of the credit
union. In addition, bills of sale for your sold automobiles were still needed
to document and source those funds. Due to the additional items required per
the appraisal and outstanding conditions, we were unable to close on the
anticipated date provided when the application was submitted.
On
August 13, 2014, your mortgage loan application was fully [redacted] and was
advanced to closing. On August 15, 2014, the closing process was completed and
your new mortgage loan account was opened.
Mr. [redacted], please be assured that it was not our
intention to cause you any hardship or frustration. We appreciate your feedback
as it assists us in identifying problems and to continuously improve the level
of service we provide to our customers. 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 [redacted], or toll free at
[redacted]
Sincerely,
[redacted]
Consumer Resolution Specialist Office of the
President
Pc: Revdex.com

Just as you stand by your response to my concern, so do I. I just want to reiterate that the issue was resolved by my own efforts - there was no support from your end.
Thanks,
[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]

We received a copy of your complaint filed with the Revdex.com, concerning yourchecking account ending in [redacted]. We appreciate the time you have taken to express yourconcerns regarding this matter.On behalf of the Bank, I apologize for the difficulties you have experienced with your...

account. Itwas certainly not our intention to cause you any hardship or frustration.In 2010, Fifth Third Bank agreed to settle the overdraft class action suit known as Schulte, et al.v. Fifth Third Bank, Case No. 1:09-CV-06655, filed on October 21, 2009, in the United StatesDistrict Court for the Northern District of Illinois. According to the procedure established by theCourt, in order to receive a payment from the settlement, your claim form must have beensubmitted to the Claims Administrator prior to the deadline of May 2, 2011.Please understand that the Court did not decide in favor of either the Plaintiff or the Defendant.Instead, both sides agreed to settle this case to avoid the cost and risk of a trial. The settlementdoes not mean that any law was broken or that the Bank did anything wrong. The Bank denied alllegal claims in the case.On November 17, 2008, your checking account ending in [redacted] was opened with the Bank. OnJune 23, 2009, the account was closed and charged off for collection. If the Claims Administratordid not receive the required claim form from you prior to the deadline of May 2, 2011, you werenot eligible for a payment from the settlement related to your checking account.The account ending in [redacted] was sold to U[redacted] on June 16, 2010. Foradditional information pertaining to the charged off account, we recommend you contact [redacted] bythe following address:[redacted]
[redacted]
[redacted]Please be aware that [redacted] may have sold the acquired debt to another collection agency, whichis why you may be receiving calls from [redacted]. If you’re contacted againby [redacted] or any collection agency, you may request validation of the debtin question and contact information in which the agency is calling you from.We hope this correspondence will help you understand Fifth Third Bank’s position going forward.If I could be of further assistance to you, please call me at [redacted], or toll free at [redacted]
[redacted] Monday through Friday, 8 a.m. to 6 p.m., ET.

[redacted] Date: April 8, 2016 Account: [redacted] Regarding Your Fifth Third Bank Platinum [redacted] Dear [redacted]: We received your follow up complaint filed with the Revdex.com, concerning your credit card payments. We appreciate the time you have taken to express your concerns regarding this matter. We received your original complaint filed with the Revdex.com on March 10, 2016. We received your follow up complaint on April 4, 2016. However, we stand by the response conveyed to you in the previous letter sent on March 25, 2016. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. As mentioned in our original response, you failed to make your minimum payment for two (2) consecutive statement cycles, and on December 22, 2015, the Bank revoked the use of your credit card transactions. Because your account has been revoked, you are not able to make automated payments online, or through our Auto BillPayer system. However, if you are interested in setting up automatic payments from your checking account, you can schedule up to four (4) payments with our collection department. The collection department phone number is ###-###-####. A customer service representative is available, Monday through Friday, 8 a.m. to 9 p.m.; Saturday and Sunday, 8 a.m. to 5 p.m., ET. I hope this correspondence cleared up any outstanding questions you had related to this issue. 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

[redacted] Date: July 14, 2017 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 regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please also accept my sincere apologies for the level of service you received when you previously contacted the Bank regarding this matter. We strive to provide professional and accurate service to our customers and we regret if this has not been your experience. 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. Per the Bank’s Funds Availability Policy, when a check is deposited into a consumer checking account using the Bank’s Mobile Deposit service prior to the cut-off time of 8 p.m., ET, up to $100.00 of the total of your check deposits will be immediately available to make purchases, withdrawals, and cover any items that may post to your account that business day. The remaining funds will be available on the second (2nd) business day after the day of your deposit. 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 hold 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. Depending on the reason for placing the hold on your deposit, part of the deposit or all of the deposit may be held. It is important to note that the Bank does not control the amount of time it may take for a check to clear, nor does the Bank have any way to expedite this process. A hold may be placed on a check to allow sufficient time to ensure the check will not be returned. On July 3, 2017, a mobile deposit of $2,539.00 posted to your Essential Checking account. During the processing of your deposit, a hold was placed. Because your deposit was made using Mobile Deposit, rather than in-person, we were unable to notify you of the hold at the time of your deposit. However, the Bank did issue a letter to you on July 3, 2017, to inform you of the hold, the reason for the hold, and when the deposited funds would become available. For your records and convenience, we have enclosed a copy of the letter. The Bank may place a hold on a deposit for several reasons. One of the reasons the Bank may place an extended hold on a deposit, is when the account into which the check(s) being deposited has had a history of repeated overdrafts in the last six (6) months. As is indicated in the letter we sent on July 3, 2017, this is the reason for the hold placed on the mobile deposit received on July 3, 2017. I have also enclosed a copy of the Bank’s Deposit Account Rules and Regulations for your review and convenience. For more information about the Bank’s Funds Availability policy for consumer accounts, please refer specifically to page nine (9). For more information about an extended hold being placed on a deposited check, please refer specifically to page twelve (12). For more information specific to the funds availability of mobile deposits at Fifth Third Bank, I have enclosed a copy of the Bank’s Digital Services User Agreement. We regret any inconvenience this may have caused you. You are a valued customer of the Bank and it is not our intention to cause you any hardship. Because the hold on the funds you deposited was placed in accordance with the Bank’s Deposit Account Rules and Regulations, the hold on the funds you deposited could not be removed until the hold was scheduled to be removed on July 13, 2017, as is indicated in the letter we sent on July 3, 2017. Thank you for your patience while waiting for a response. We truly value your business, and we look forward to continuing our banking relationship with 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): Letter Dated July 3, 2017 Deposit Account Rules and Regulations Digital Services User Agreement

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]  Problem: I have files a complaint before with Revdex.com about 53 Bank. Same subject. Processing time of merchant transaction is unethical. They process their transactions just before midnight so that would not give enough time to account holder to come up with the deposit to bring the account to positive so they would not be chargedDesired Outcome: Reversal of 2 NSF fees. This is unethical, unacceptable. No bank process payments right before midnight. This service is to charge customers and benefits only the Bank.

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.  For your reference, details of the offer I reviewed appear below.
While the attachment provided to me by the Revdex.com indicates my card would not be cancelled, it apparently has been effective today. 
 
Last night I called 53 Bank's customer service and spoke with [redacted] who told me my card would still be cancelled. 
I provided her the information in the letter provided to me by the Revdex.com. [redacted] had to confer with a supervisor and needed to call me back. 
When [redacted] did call me back she indicated that my bank/debit card ending in [redacted] would not be cancelled. 
 
I went to the bank and deposited money into my account during lunch today. 
A short time ago I attempted to make an online bill payment using the card ending in [redacted].
The merchant advised that they were unable to process that card. 
 
I went online to 53 bank and accessed my account. 
To test whether or not my card was still valid I selected the option to change my PIN. 
I received a message which is attached, indicating that my card needed to be activated prior to being able to have the PIN set. 
This indicates that my card is no longer valid. In addition I attempted to swipe my card at a machine and it was also declined. 
 
I called Ms. [redacted] and left a VM as well as sent a message to 53 bank about this issue. 
 
This would seem to underscore the poor customer service which I referenced. To tell someone something and then not follow through on what was said or promised is poor customer service, in my opinion. 
 
I guess I am going to have to change my card after all but I am very frustrated and feel as though the bank has outright lied and provided the Revdex.com with a letter saying one thing while the intent was to do another. 
 
Feel free to contact me should you wish to discuss this further. 
Regards,
[redacted]

[redacted] Date: November 16, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

your mortgage loan. 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 the difficulties you have experienced with your mortgage loan ending in [redacted]. It was certainly not our intention to cause you any hardship. Please be assured we researched this matter thoroughly 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 November 10, 2016, we processed the refund of $500.00 and mailed a check to you for this amount via USPS (United States Postal Service) regular mail. We truly regret any inconvenience or frustration the delay in processing the refund may have caused you. If you do not receive the refund check within seven (7) to ten (10) days, please contact me at either number below. I hope this letter meets your satisfaction and resolves your needs. Thank you for your patience while we conducted our research. 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 ###-###-####, 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: April 6, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your additional complaint submitted to the Revdex.com (Revdex.com), as well as the complaint you filed with the Consumer Financial Protection Bureau (CFPB), concerning your inability to make partial payments on your mortgage loan. Please be assured that Fifth Third Bank continues to take your feedback seriously, and I appreciate the additional time you have taken to communicate your thoughts and concerns surrounding this matter. We regret any misunderstanding that has been experienced surrounding this issue, but our continued research regarding advertisement on 53.com for the previously offered Early Mortgage Payoff Plan (EMPP) concluded that this is not an active offer. As we discussed previously, this service has been discontinued, and new enrollment into the program was stopped October 1, 2014. Upon further review of the screenshot showing EMPP advertising which was emailed to a representative in our Escalations Department, we have verified that this advertisement was accessed via an outdated link, combined with cookies. Visiting 53.com directly will best assist you in viewing the currently available products and services we have to best meet your financial needs. Our review of your account indicates a second (2nd) payment of $360.00 has been received for your mortgage loan April 1, 2016. As stated in our previous communication, once additional funds were received totaling the payment amount due April 1, 2016, these amounts could be combined to make the full required payment. According to our records, this adjustment was completed April 5, 2016. Your next payment of $719.93 is due May 1, 2016. Additionally, I sincerely regret your feelings surrounding less than quality service you have received. Our intention is to continually provide exceptional service to our customers, and it was not our intention to cause you any hardship. [redacted], I understand your frustration surrounding this matter, but hope this explanation satisfactorily addresses your concerns. You are a valued customer, and we look forward to serving for your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S.Office of the President Pc: Revdex.com

[redacted]
[redacted]
[redacted]
Fifth Third
Bank
5050 Kingsley
Drive
MD 1MOCOP
Cincinnati, OH
45263
                                        ...⇄ March
23, 2016
Dear April Q.:
We have
received a copy of your letter dated March 15, 2016 in addition your attachment’s.
We appreciate the time you have taken to respond to some of our requests.
We would like to
redirect your attention to our prior letter, in which your recent letter
deflects many of our questions and concerns. Fifth Third appears to be dancing
around our evidence and submitting us a template apology letter. Please stop.
We have taken the opportunity to bold type all ignored questions.
We reference
you to Exhibit A, a letter from you
dated January 22, 2016 that states we would have a response mailed to us within
fifteen (15) to twenty-five (25) days. Please note that your response was
received to our PO Box on February 21, 2016 which is in excess of the time
frame noted in your letter.
(Please comment to why Fifth Third Bank
is not held to the same standards of timeliness?)   Thank you for your review of the United States
Postal Service Receipts that we supplied to you. We have to pay additional
monies in order to insure us the security that our payments are being received
when they are delivered. You state in your letter that the receipts provided
list expected delivery dates, which are not guaranteed. Finding it odd for
the Federal Government to offer a two-day (2) mailing service and charge the
consumer for something that is not guaranteed we took it upon ourselves to
further investigate. We bring your attention to Exhibit B. We spoke with the post master of the [redacted] post
office, which is a branch of the United States Postal Service. We were provided
and advised that all bar codes that are on the receipts, in which we supplied
to you are scanned and signed for, just like shown in the exhibit. Fifth Third has the abilities to go on line
under the USPS tracking and pull up all tracking to show when you
received our payments vs.
how long it took Fifth Third to cash check. Prove to us that the check was received by your branch on the 31st
day.
We also formally request copies
of the voicemail loggers that you note in your letter requesting pull dates to
be changed, and a copy of the voicemail logger from July 2015 when we called
requesting Fifth Third to review our escrow account. As well as the
conversation that [redacted] had in June 2014 with your representative that
agreed the two 2014 31 day late was in fact bank error not our and would have
removed. These
loggers were also requested via your voicemail on March 24, 20216 at 12:30 pm.
Please also review your
own escrow statement WE ARE NOT INSURED with Tri State since July of 2015 we
are insured with [redacted]. Your paperwork is extremely sloppy, as was the
handling of our escrow.
Thank you for
reviewing our payment history and believing that there was no bank error, but we
are forced by evidence to disagree. It is not our error for the poor management
by the bank in how long it takes for your employees to process our payment. It
is odd that in review of your letter dated February 11, 2016 all the alleged
“30 day” late payments are literally alleged at (1) one day late. This brings
us back to our first paragraph in this letter. (Please address) -Which then
brings us to our monthly increase of ($400) four hundred dollars a month due to
“low escrow”, and the added stress due to poor management of our account. Which
leads to ask the question on how Fifth Third determines a payment is “late”. Is
it determined by receipt of the check by Fifth Third bank? or is it determined
by when the check is cashed? Either way I would like documentation to that
effect so going forward there is no confusion.
[redacted]We are requesting
again proof to when you were in receipt of our checks from 2014/2015 and how
long it took your company to process those checks to make the 31st
exactly. Prove to us when your office received. Your alleged stamp dated check
that you have provided, cannot been seen in what you supplied – and is not
proof to how long it took your organization to post those checks once it reach
your bank.
On January 26,
2016 your Escrow Department updated our escrow portion of the monthly payment
to reflect the insurance premium. Because of this, effective February 1, 2016
we received a new mortgage payment of $3124.01. This request for an Escrow
review, was made via telephone to Fifth Third Bank back in July 2015. At that
time we advised the Fifth Third representative of our new Home Owners carrier,
[redacted], along with the reduction of premium. Our request went unacknowledged.
  
Fifth Third
Bank, alleges that upon review of our escrow account, you then issued a Home
Owners payment to [redacted] on August 3, 2015 in the amount of
$2097.00. and was returned by [redacted] to Fifth Third on August
27,2015, due to the Fifth Third Bank error. Fifth Third Bank then on September
18, 2015 decided to review our request for the escrow account to be reanalyzed
and determined a reanalysis was not require. This does prove that Fifth Third
received our request in July 2015 but took (2) two months for Fifth Third Bank
to complete. [redacted](Please address 3/16)
Please refer to
Exhibit C (2) two letters dated
January 26,2016 from Fifth Third Bank. These letters state “we have corrected the amount of your monthly
payment”. Fifth Third Bank admits to bank error once again. [redacted](Please address 3/16)
We spoke on
February 22, 2016 and we advised you that on our Mortgage Loan Statement dated
2/11/2016 for our March 2016 statement there was a charge for a past due
payment of $6.13. (Your response in your
March 2016 letter does not address why this $6.13 was not shown or documented
in your prior letters what took 2 months for this to show up on a bill) Please
refer to Exhibit D. As such our January
11, 2016 statement did not note this “past due payment”? Also our conversation
with you in January 2016 you advised that our account was current. Also our
February 8, 2016 payment was cashed on February 12, 2016 which is prior to the
(15) Fifteenth of the month. So why would this “past due payment” be reflected
in March but not February? Another Fifth Third Bank error? 
On behalf of my
husband [redacted] and I we are unable
to accept apologies from Fifth Third
Bank due to their poor handling of our mortgage account. We have owned (3)
three homes and (2) two currently and have never incurred these issues over the
past (18) eighteen years. Should Fifth Third wish to do the right thing and
provide quality customer service to us as the consumer we are willing to work
with you. Based on the errors noted above we are again requesting Fifth Third
to remove these alleged (1) one day past (30) thirty day late off our credit
report. Please refer to Exhibit F.
As you can see by our credit report we have been perfect for years, only issue
being Fifth Third Bank. We are aware of the over (10,300) ten
thousand three hundred complaints to the Revdex.com and multiple
Class Action law suits against Fifth Third Bank, so we are not the only ones
with issues.
If Fifth Third is
unwilling to work with us to address these concerns, we will continue to work
on this to restore our perfect credit. We
will not stop or just go away, and allow ourselves to be bullied. There are
plenty of other banks around. Then once we get our perfect credit that has been
tarnished by the likes of Fifth Third corrected we will re finance with another
mortgage company – that works with their customers and their customers’ needs
instead of attempting to scar their customers with unfair practices. 
We are also putting Fifth
Third on formal notice that after 12 months – per your letter, effective
February 2017 we will be pulling our escrow account from your bank. If this is
not allowed at that time we will take further action.
It is obvious that Fifth Third
Bank does not respect us as customers and does not want as customers. We will
get our credit cleared with or without your assistance, and if it is without
your assistance we will re finance with another carrier even if it means for a higher
interest rate. Word of mouth is the best advertising or the worst. Please stop
with your form letters of empty apologies.
We formally
request that your revisit your prior letter and provide us with the customer
service that we deserve. Thank you for your time and attention to this matter.
Sincerely,
[redacted]
Pc: RevDex.com

[redacted] Date: November 15, 2016 Account: [redacted] Regarding Your ATM Deposit Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding a...

deposit you made at a Fifth Third Bank ATM (Automated Teller Machine). 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 with me regarding your complaint. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with the ATM deposit you made on September 10, 2016. It was certainly not our intention to cause you any hardship. We strive to provide exceptional service to our customers, and I am sorry that was not your experience. Please be assured we researched this matter thoroughly 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. As we discussed during our telephone conversation, after receiving your complaint, our ATM Escalations Department reinvestigated your dispute. Their research determined that your deposit of $170.00 was rejected when the ATM went down on the day of your deposit, so the ATM did not show that it was out of balance. Unfortunately, when your dispute was initially investigated the [redacted] Bank Mart did not check all of the reject bins in the ATM. On November 10, 2016, during the reinvestigation the Bank Mart located your deposit of $170.00 in a previously unchecked reject bin in the ATM. We truly regret that we did not fully investigate your dispute during our initial investigation, and I am sorry for any frustration or distress this may have caused. After locating the deposited funds, we credited $170.00 to your checking account ending in [redacted] on November 10, 2016. The funds will be available after our overnight processing. Thank you for your patience while we conducted our research. 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 ###-###-####, 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: July 28, 2016 Account: [redacted] Regarding Your Access 360 Account Dear [redacted]: We received your complaint filed with the Revdex.com regarding your Access 360...

account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. We were able to review your concerns regarding the refund of $25.47 that was credited to your Access 360 card ending [redacted]. Our records indicate that check number [redacted] for $25.47 was mailed to you at the address on file, on May 12, 2016. As we were able to confirm the check has still not been cashed, we placed a stop payment on the check, and a new check number [redacted] was issued and sent to you at the address above. If you do not receive the check within the next two (2) weeks, please contact me directly at the telephone number below. Because we were able to confirm that the check was mailed to you on May 12, 2016, we are not able to provide you with any additional compensation for interest. We apologize for any difficulty or concern this may have caused you. It should be noted that although a card has been closed, a merchant is still able to process a refund to the card. In these situations, the Bank will issue a check to you for the amount that was credited. There is not a way to restrict a refund from being accepted. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-###6, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W. 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.   
Regards,
[redacted] reply had nothing to do with fixing the problem. Instead gave me information that was irrelvant at the time!

[redacted]
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[redacted]Date: May 28, 2015 Account: [redacted]Re: Credit Card Convenience ChecksDear [redacted]:Thank you for the letter you sent to the Revdex.com regarding your 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 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.The Bank recently sent you a letter along with attached convenience checks for use with your Platinum [redacted] account ending in [redacted]. Any purchases made with these checks will be at the promotional annual percentage interest rate of zero percent (0.00%) through your billing cycle date in March 2016. As disclosed in the letter that you received, a convenience check fee will be assessed when these checks are used. The fee is the greater of $5.00 or four percent (4.00%) of the total dollar amount of the transaction.On April 30, 2015, a convenience check of $8,575.00 posted to your credit card account. The fee of four percent (4.00%) of the total purchase amount of $8,575.00 is $343.00. Since this was disclosed to you in the letter that you received from the Bank along with the attached convenience checks, the Bank is not willing to refund the fee of $343.00 that was assessed to your account on April 30, 2015. We regret any inconvenience or frustration this may cause you.[redacted] 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 [redacted] Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

[redacted] Date: September 9, 2016 Account: [redacted] Account: [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

concerning your 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 this matter may have caused you. Please be assured we have researched this matter fully. 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’ satisfactions. Please find enclosed copies of your checking account statements from June 2013 through April 2014, and your savings account statements from June 2013 through January 2014. Please use the enclosed documents as verification of your checking and savings account activity. On July 23, 2013, the Bank processed a garnishment on your checking and savings account. Please find enclosed a copy of check ([redacted]) which was sent to [redacted] County Magistrate Court. The check was negotiated on July 31, 2013. The memo line on the enclosed check states: [redacted]. Please use the enclosed documents as verification that [redacted] County has processed the check mailed on July 23, 2013. It was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. 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 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 Enclosures: Checking Statements, Savings Statements, Check

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[redacted]Date: August 24, 2015Account:  [redacted]Regarding Your Installment LoanDear [redacted]: We received a copy of the complaint you filed with the Revdex.com dated August 14, 2015, concerning your installment loan account....

 We appreciate the time you have taken to express your thoughts and concerns regarding this matter.Our goal is to provide professional and accurate service to our customers and I regret that the service you received did not meet that same high standard.  Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers.  Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns.In researching your concerns, we found that your installment loan account was set up with Auto BillPayer on August 14, 2015.  The first payment of $347.98 was posted to the account on August 20, 2015.  I have confirmed that this transaction did not create a derogatory mark on your credit report or cause a late charge to be assessed to the account.  I apologize for the confusion and delay in setting up your account with Auto BillPayer. You are a valued customer and I appreciate this opportunity to address your concerns.  On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that 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,Carolyn G.Office of the President