Fifth Third Bank

[redacted] Date: August 20, 2015 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning your Fifth Third...

Bank credit card. We appreciate the time you have taken to bring this matter to our attention. Your feedback is important to us, so that we can better understand how we can improve our service to you. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction. We conducted a thorough review of the Real Life Reward promotions offered by the Bank during 2015. Our review determined that the Bank did not offer a promotion for cardholders to earn 8,000 reward points for spending $500.00 on their Real Life Reward [redacted] by March 31, 2015. The Bank did offer a promotion for cardholders to earn 2,500 reward points for spending $500.00 on their Real Life Reward [redacted] from April 1, 2015 through June 12, 2015. We regret that you did not meet the requirements for this promotion in the time frame allotted. In order for us to research the Real Life Reward promotion for 8,000 reward points further, please send a copy of the promotional offer to the following address: Fifth Third Bank Office of the President 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####.

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

Checking account. We appreciate the time you have taken to document your thoughts and concerns. We completed a review of your Essential Checking account ending in [redacted]. Our records indicate that the initial request to have the savings account ending in [redacted] set as Overdraft Protection for the checking account was on June 7, 2016. We were unable to locate a previous request to set this savings account as Overdraft Protection for the checking account. It should be noted that our records indicate that the Relationship Savings account ending in [redacted], which was closed on September 30, 2011, was previously set as the source of Overdraft Protection for the checking account. We also completed a review of the overdraft fees assessed to the account. Our review determined that there was no Bank error in assessing the fees to the account. Although there was no error, in the interest of customer service, on June 7, 2016, the Bank reversed $74.00 of the fees that were assessed to the account. Please note that this is the maximum that we are willing to reverse when there is no Bank error. I have enclosed copies of these overdraft notices for your review. As explained on these overdraft notices, the account had Overdraft Protection, but there were insufficient available funds in the savings account ending in [redacted] to cover the items that were presented. Because there was no Bank error in assessing the fees to the account, we are unable to accommodate your request to reverse additional overdraft fees. I apologize for any difficulties you experienced when discussing this matter with the Bank. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q.Office of the President Pc: Revdex.com Enclosures: Overdraft Notices

[redacted] Date: June 6, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com concerning your installment loan. We appreciate the opportunity to respond to this matter. We stand by the information provided to you in the responses dated May 16, 2016, and May 24, 2016. As we mentioned in our previous response, dated May 24, 2016, the final payoff to the account was backdated to April 12, 2016, which was the same date that the payment in the amount of $19,466.60 was applied to the account. Our records indicate that during previous conversations with the Bank, it was requested and agreed to that the payment be backdated to April 12, 2016. We are not willing to further backdate the payment. You also mentioned a concern that you had not received check number 26438815 in the amount of $0.74 that was sent via mail on May 12, 2016. Because of this, we placed a stop payment on the check on June 2, 2016, and the replacement check is enclosed. After an additional review of your letter, it does not appear the Bank can assist you further. Further correspondence from you about this matter will be reviewed but not necessarily acknowledged unless new information is provided which can be acted upon. After multiple communications with you on this topic, we consider this issue closed. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q.Office of the President Pc: Revdex.com Enclosure: Check

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.
Let me first say that I was contacted on September 11, 2014, regarding the repossession of the vehicle.  After contact with several representatives of the bank, I finally was informed that the vehicle was behind on the payments for several months.  As identified in my hardship statement, the vehicle, although under my name, was for the personal use of a family member who was to assume all responsibility associated with the vehicle. Unbeknownst to me until September (when they "suddenly acquired" my contact information), did I have any knowledge of the business, or lack thereof.As for the resolution letter that was attached (as stated below), it should be analysis more transparently:Dear [redacted]:We received a copy of the complaint you sent to the Revdex.com regarding your InstallmentLoan. We appreciate the opportunity to respond to this matter, and we sympathize with the hardships thatyou have experienced during the past few months.We are sorry for the difficulties you have experienced with the Installment Loan you acquired inDecember 2013. It is understandable this has caused you frustration and hardship while working to getthe situation corrected.[redacted] contacted me on October 27, 2014 with the application for hardship.  On November 5th, I contacted her via email and asked for some assistance by which she provided me with a general number to contact. I find it unprofessional to have to deal with numerous people regarding one account.  In dealing with this financial institution, I have dealt with a number of "representatives" from various departments who have provided me with conflicting information, as well as, identified that "different departments  [give customers] different information... everyone does not provide the same information" ([redacted]). I was also informed that I did not qualify for "loan consolidation" due to the loan being less than a year in.  I tried to resolve this matter before the year was up.After sending my information to Sarah, I was contacted by a new representative from the bank by the name of "[redacted]", who stated that she would be handling my account.We responded to your previous complaint on November 10, 2014 with information regarding thedelinquencies on the Installment Loan and steps that were taken to assist you in getting the matter settled.In addition, we received an application for settlement of this loan from you on November 10, 2014However, missing from the paperwork was your [redacted] statement from October – November, your[redacted] statements for September – October, and October – November, as well as your creditcounseling documents.Between November 10-12, my case was turned over to [redacted].  [redacted] contacted me and informed me that she would be handling my account moving forward.  On November 12, 2014, I forwarded the information to [redacted] via [redacted] email account. The missing paperwork was received by Fifth Third Bank by November 19, 2014.Our Loss Mitigation Department called on December 7, 2014 to see if you had received any offers on thevehicle. On Sunday, December 7, 2014 at 8:37 AM, I received a voicemail from [redacted] asking me to call her back.  Once again, I find the practices of this company unprofessional and unethical.  Please identify where is it proper to call a client on a SUNDAY MORNING?  (In addition, I received a call last month on a Saturday around 11 AM)On December 9, 2014, our Loss Mitigation Department denied the settlement due to no offersreceived within the time frame established. A denial letter was sent to you December 9, 2014A denial letter never reached my residence.I tried to contact the bank to inquiry about a complex offer but did not receive any feedback.  On the other hand, during the break in communication due to the bank's absence, I was contacted by a NEW account manager, [redacted] (?) "[redacted]"... another person handling my account, who "preferred" to communicated via email, not providing a direct line for contact.Our Loss Mitigation Department was in contact with you again on January 26, 2015 regarding possibleassistance.  Please keep the number provided for that department for future reference if you are able tosubmit a firm settlement offer. Their number again is [redacted], option 4 for assistance.
Additionally,  on January 16, 2015 at 3:01 PM, I received a voicemail from [redacted] of the President's Office of Fifth Third Bank  who provided me with a contact that numbe[redacted] that when I returned the call the following day, January 17, 2015 at 11:11 AM, prompted me to enter my "employee number".As it related to the NEW representative handling my account, [redacted] (#[redacted]), it is becoming increasing frustrating to deal with limited knowledge personnel because the previous person is not updating my account adequately.  Due to the amount of time that has expired since the initial requests were made for the settlement and change in fiscal value of the vehicle, I believe it going to be hard to receive offers equal to the offers that I had previously.  One of my offers has closed with another seller (having an offer of $[redacted]).  Additionally, the question that I had was never answered regarding allowing the car to be settled as a trade in (valued up to $[redacted]) for another owner.  Therefore, the last option was to settle for $[redacted] with a private car dealer.  As I spoke with [redacted] explaining that I tried to conclude this matter expeditiously but was unable, due to the lack of the bank's communication, she became very vague in her responses.  Additionally, when I asked about the settlement's marginal difference, as I have consulted with other financial institutions, she became unclear in her response.Lastly, [redacted] was not the first member from the President's Office to contact me.  I received a call from [redacted] on October 30, 2014 at 4:46 PM  following the receipt of a certified letter of complaint that I sent to the bank.  I have left at least three messages for Ms. [redacted] with no reply to date.I strongly believe that I have gone above and beyond to contact this bank regarding this matter.  On the contrast, the bank has avoided returning answers to my inquiries.  I would like to bring this matter to closure as soon as possible.
Regards,
[redacted]

[redacted] Date: June 12, 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 February 25, 2017, you contacted the Bank to dispute the $254.14 transaction to [redacted] that posted to your checking account on February 22, 2017. Case number [redacted] was assigned to your dispute. The dispute was denied because the merchant provided a signed receipt for a 5,000.00 peso transaction, which converted at that time to $245.14 United States Dollars (USD). Enclosed for your review is a copy of the merchant documentation, including the signed receipt for your review. The dispute case can be re-opened if are able to provide proof of the billing error. As an example, you can provide your copy of the signed receipt that shows the amount you state was supposed to be charged. You can fax the documentation to my attention at ###-###-####. You can contact the Dispute Department directly at ###-###-####. The Dispute Department is available to assist you Monday through Friday from 8 a.m., ET, to 5 p.m., ET, and on Saturday from 8 a.m., ET, to 1:30 p.m., ET. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H. Office of the President Pc: Revdex.com Enclosure: Merchant Documents, Dispute Denial Letter

[redacted] Date: June 21, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your checking account....

We appreciate the time you have taken to document your thoughts and concerns regarding this matter. To maintain the security of your personal and account information, I am sending this letter to the address we currently have on record for you. I noticed that the address you use in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your complaint. I encourage you to call customer service to make sure your contact information is properly updated. Customer service can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. On behalf the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. 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 know that customer feedback is reviewed by senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Fifth Third Bank processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order: 1. Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability Policy. 2. Time-stamped debits, such as Automated Teller Machine (ATM) withdrawals and debit card purchases, in the order in which they are authorized. 3. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges in the order of the largest amount to the smallest amount. Time-stamped debits appear in your account as pending items until they are posted. Other debits, including checks and electronic bill payments, are not pre-authorized by us and do not include a timestamp. Therefore, these items will not appear in your account until they are posted at the end of the business day’s overnight processing. Checks and electronic bill payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized by you to be paid and collected for payment from Fifth Third Bank. In your complaint, you mention three (3) specific overdraft occurrences. The first (1st) occurrence was on May 3, 2017. On that day, the beginning balance in your checking account was $247.91. One (1) merchant credit of $12.75 posted to your account. No other credits posted to your account on that day. Nine (9) items totaling $356.82 were debited from your account. These items were posted in the following order: 1. Debit Card Purchase $18.13 Time-Stamped 05/02/17 4:36 p.m. 2. Debit Card Purchase $3.14 Time-Stamped 05/02/17 5:06 p.m. 3. Debit Card Purchase $24.24 Time-Stamped 05/02/17 8:59 p.m. 4. Debit Card Purchase $7.46 Time-Stamped 05/02/17 10:40 p.m. 5. Merchant Payment $53.57 Time-Stamped 05/03/17 10:52 a.m. 6. Merchant Payment $3.09 Time-Stamped 05/03/17 10:57 p.m. 7. Merchant Payment $11.74 Time-Stamped 05/03/17 1:13 p.m. 8. Merchant Payment $36.70 Time-Stamped 05/03/17 4:55 p.m. 9. Insurance Payment $198.75  On that day, your account had a negative ending balance of ($96.16). Due to insufficient funds for the insurance payment one (1) overdraft fee of $37.00 was assessed and posted to your account the following business day. Please note that since the insurance payment was not a time-stamped debit, the item would not have appeared in your account until it was posted at the end of the business day’s overnight processing. On May 4, 2017, you made a cash deposit of $850.00 to bring your account to a positive balance. The second (2nd) occurrence you mentioned was on May 5, 2017. On that day, the beginning balance in your checking account was $16.84. No credits posted to your account on that day. One (1) web-initiated payment of $41.00 posted to your account resulting in a negative ending balance of ($24.16). Due to insufficient funds one (1) overdraft fee of $37.00 was assessed and posted to your account the following business day. On May 9, 2017, one (1) ATM deposit of $100.00 and one (1) direct deposit of $218.57 posted to your account bringing it to a positive balance. The third (3rd) occurrence you mentioned was on May 22, 2017. On that day, the beginning balance in your account was $4.39. No credits posted to your account on that day. Two (2) items totaling $68.38 were debited from your account. These items were posted in the following order: 1. [redacted] $36.33 2. [redacted] $32.05 On that day, your account had a negative ending balance of ($63.99). Due to insufficient funds for both items two (2) overdraft fees totaling $74.00 were assessed and posted to your account the following business day. On May 24, 2017, one (1) ATM deposit of $165.00 was credited to your account bringing it to a positive balance. Your account also became overdrawn on May 10, 2017, and June 8, 2017. I have included copies of all overdraft notices we sent to you since May 3, 2017, for your review. On June 9, 2017, you closed your personal checking account with a zero (0) balance. It was certainly not our intention to cause you any hardship. Our records show that we waived overdraft fees totaling $74.00 in the past twelve (12) months. We are unable to waive any additional fees per our bank policy. Thank you for your patience while we conducted our research. We regret that you felt the need to close your personal checking accounts. 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: Overdraft Notices

[redacted]     Date:    March 25, 2015 Account:          [redacted]   Re:  Promotional Offer and Overdraft Fees   Dear [redacted]:      We received a copy of your...

complaint filed with the Revdex.com, concerning your account with Fifth Third Bank business checking account. We appreciate the time you have taken to express your concerns regarding this matter.   On behalf of the Bank, please accept our sincere apologies for any inconvenience this issue may have caused you. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account.   Please be assured that Fifth Third Bank takes your feedback regarding your experience with the Consumer Contact Center and at the Brentwood Banking Center very seriously, and I have contacted the relevant parties to pass on your concerns.  We strive to provide professional and accurate service to our customers, and I regret that the service you received did not meet the same high standard.   We conducted a thorough review of the promotional offers available in August 2014. Our review determined that there were no $200.00 promotional offers made to customers opening a business checking account at that time. If you have proof of the promotional offer you referenced in your complaint, I would be happy to research this issue further. The requested information can be mailed to the following address:   Fifth Third Bank Office of the President [redacted]
[redacted]   Alternatively, you can fax this information to my attention directly at [redacted].   It is our understanding that you spoke with the Financial Center Manager, [redacted], at the [redacted] Banking Center. Ms. [redacted] informed us that she discussed the Bank’s fee reversal policy and the overdraft fees assessed on your business checking account.   Our records show that on March 9, 2015, the balance in your business checking account was $[redacted]. Two (2) transactions totaling $[redacted] posted to your account that day. The ending available balance was [redacted] ($[redacted]). Due to non sufficient funds two (2) overdraft fees totaling $[redacted] were assessed the following business day. On March 10, 2015, the balance in your business checking account was [redacted] ($[redacted]). One (1) transaction for $[redacted] and the overdraft fees totaling $[redacted] posted to your account that day. The ending available balance was [redacted] ($[redacted]). Due to non sufficient funds one (1) overdraft fee totaling $[redacted] was assessed the following business day.  On March 11, 2015, our Consumer Contact Center reversed a total of $[redacted] in overdraft fees per the Bank’s fee reversal policy. A service charge of $[redacted] and the overdraft fee of $[redacted] were assessed the same day.   On March 12, 2015, the balance in your business checking account was [redacted] ($[redacted]). One (1) transaction for $[redacted] posted to your account that day. The ending available balance was [redacted] ($[redacted]). Due to non sufficient funds one (1) overdraft fee totaling $[redacted] was assessed the following business day.  On March 17, 2015, our Dispute Department provided you with provisional credit for the transactions you disputed in the amounts of $[redacted] and $[redacted].Our Dispute Department also credited back $[redacted] in overdraft fees assessed due to the disputed transactions.    We sympathize with the difficulties you have encountered with your account. However, we are unwilling to reverse additional fees charged to your account.  For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage options is also provided on the enclosed document.  We hope this correspondence will help you understand Fifth Third Bank’s position going forward. We appreciate your patience while we research your request. If I could be of further assistance to you, please call me at [redacted] or toll free at [redacted].  Sincerely, [redacted] Consumer Resolution Specialist Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  I have pulled my credit report and it does show 53rd bank pulling my records 2x. Once on 06/25/2015 in order to obtain a letter of approval and again 11/25/2015 once I found the property to get the loan application completed.
These multiple pulls have decreased my credit score by 25pts since I first began working with 5th 3rd on this mortgage loan. Please remove these items as you previously stated you would.
This is another example of how 53rd bank says they are going to do something and then changes which adversely affects the customer.
It wasn't until the appraiser suggested a lower value of the property and it was RESENT that there was a problem with underwriting approving the loan. If I had been made aware of issue with the non-conforming property after the initial application was sent to underwriting I would not have not pursued the property and hired an inspector. I feel that the bank did not follow protocol and caught their mistake during the 2nd underwriting. I was told one week before closing that the property was non-conforming. I do not feel that I should have to pay for the banks mistake. I wish to be reimbursed for the application fees and funds I dispersed for a home inspection and radon testing for a property that did not meet the banks guidelines.
After being a customer with 5th 3rd bank well over 15 years a application fee of $350 and $325 for a home inspection that was done because your underwriters missed something in the initial go over should not be a major issues to resolve in order to keep a good standing customer.
Please consider this, the years as a loyal customer, my good standing in general with the bank, and no other issues that have arisen throughout my time with you.
Regards,
[redacted]
If you wish to contact me please do so at ###-###-####

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.   
It was appreciated and reassuring  when Mrs. S. responded to me with her concerns pertaining my problem.  I explained to her in details, the matter of my issue and she kept me abreast with the pending results. After reviewing her response back from what was reported to the Revdex.com, I do not agree with the time frame of when the alleged supporting documents were requested which was after the provisional credit had be taken back out of my account and no further response was given after the documents were faxed in to the said department. A new provisional credit( with the possibility of still losing my funds) has been issued as the case is still unresolved after the company in questioning ([redacted]) has reported to The Revdex.com that they have NO funds in house for me, as in the debt has been returned in full. I am continuing to request that all of my funds to be rerurned in full. I have provided documents from my dispute with [redacted] as well.
Regards,
[redacted]

[redacted] Date: October 27, 2016 Regarding Your Recent Mortgage Application Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com, regarding your Fifth Third Bank installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We received your original complaint filed with the Revdex.com on October 11, 2016. In addition, we received an email complaint regarding this matter on October 12, 2016. We received your most recent correspondence on October 19, 2016. However, we stand by the response conveyed to you in the previous letter sent on October 18, 2016. I have enclosed a copy of that correspondence for your review. Our position on this matter has not changed. 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 concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As mentioned in our original response dated October 18, 2016, your mortgage application was denied due to incorrect information that you provided to the Bank. Specifically, the incorrect information was on your 2014 and 2015 tax returns. On the mortgage application, you and your wife stated the 1529 Nature Trail property was your primary residence. However, on your tax returns filed in 2014 and 2015, you and your spouse stated you are single. Additionally, your tax return states your address is: [redacted] Our research confirmed that the Second Review Team reviewed your application, and confirmed the reason for denial is correct. As mentioned in our prior response, the Bank is unwilling to refund your application fee. Fifth Third Bank properly disclosed that the fee was not refundable and the fee will not be refunded as explained in the enclosed Pricing Agreement. We strive to provide professional and accurate service to our customers. 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 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 Response, Pricing Agreement

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]

An additional review has confirmed our
original findings. We have reviewed the ATM activity for the day you said you
made the deposit, October 1, 2016, and several weeks following; however, we did
not locate the funds. The ATM’s daily activity balanced, and no loose cash was
found inside the machine. In this circumstance, we would normally direct the
customer to file a police report, and I understand that you have already done
so. While we consider our investigation complete, we would offer all available
support to any further investigation done by local law enforcement.  Please also find below a copy of the letter being mailed to the customer. Thank you. [redacted], [redacted] Date: December 19, 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 you have experienced in trying to resolve this matter and I appreciate this opportunity to respond to your concerns. You notified the Bank that an Automated Teller Machine (ATM) failed to complete your cash deposit for $1,200.00 and it was not credited to your account. Our Disputes Department opened the case number [redacted] and issued a provisional credit of $1,200.00 to the checking account on October 3, 2016. The credit was removed on November 15, 2016, when the ATM was found to be in balance. You contacted the Bank to question this resolution and we reopened this case. An additional review has confirmed our original findings. We have reviewed the ATM activity for the day you said you made the deposit, October 1, 2016, and several weeks following; however, we did not locate the funds. The ATM’s daily activity balanced, and no loose cash was found inside the machine. In this circumstance, we would normally direct the customer to file a police report, and I understand that you have already done so. While we consider our investigation complete, we would offer all available support to any further investigation done by local law enforcement. You are a valued customer and we would like to offer our sincere apologies for the inconvenience and frustration this matter has 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, Alison S.Office of the President Pc: Revdex.com

[redacted]Date:                April
3, 2015Account: [redacted]Re: [redacted]
Checking AccountDear [redacted]We received a copy of the complaint you
submitted to the...

Revdex.com regarding your [redacted] Checking
account. We appreciate the time 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 it was not our intention to cause you any hardship. We strive to
provide professional and accurate information to our customers, and we regret
if that has not been your experience.As we previously explained, Fifth Third's
[redacted] Banking benefits include an [redacted] Checking account with the
monthly service charge of $11.00 waived when you have direct deposits totaling
$500.00 or more each month, or $1,500.00 in combined monthly balances across
all of your accounts with the Bank. Because you did not meet the direct deposit
or balance requirements, your account was properly charged the monthly service
fee. We understand that you may have had some confusion about the requirements,
and in the interest of resolving this matter in a satisfactory manner, we
waived the monthly service fees, totaling $33.00, leaving the account with a
remaining balance of $31.52.During your previous conversation, you indicated that you would
like to close your account. Based on this conversation, we have closed your
account, effective April 3, 2015. Please find the enclosed check in the amount
of $31.52 which was remaining in your account.Thank you for your patience while waiting for a response. We
regret that you feel the need to close your account, and we certainly hope you
will reconsider 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
###-###-####, 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 Enclosure (1): Check

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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]When I initially put in my stop payment request, I told the bank agent that all but one of the requests were for recurrent charges. When she asked for the amount, I specifically asked if she wanted the amount of the full balance or the amount of the recurrent charge; she told me that she needed the amount of the full balance. I gave the exact information of each company and the balance amount as I was asked, and the bank failed to honor my request. However, even though they did not stop charges from being drafted out of my account the first time, they did reject the charges from being drafted two weeks later on 12/12/2014.  So if any of the information was not correct, then I do not understand why all stop payments as well as any other charges have been rejected since? I also am confused as to why the amount of the stop payment request even matters when I requested them on specific companies regardless of the amount? If I request that charges be rejected, then that specific company should not be able to charge my account regardless of how much they are trying to take out. The amount may be different each month, does that mean I should submit a new stop payment request for that company every month???
Regards,
[redacted]

[redacted] Date: June 20, 2017 Regarding Your Dispute Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your disputed Automated Teller Machine...

(ATM) withdrawal at a Fifth Third Bank ATM. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. I am very sorry if you did not receive the requested funds when you completed a cash withdrawal at a Fifth Third Bank ATM from your non-Fifth Third Bank account. Unfortunately, you have not provided sufficient information for our Dispute Department to locate the dispute you filed with your bank against our ATM. I have attempted to contact you multiple times using both phone numbers you provided to the Revdex.com. However, I was unable to reach you. Please contact me directly using my address listed above or my phone number listed below. We need to know the name of the bank you filed the dispute through so we can locate the dispute in our systems. Once I have this information, our Dispute Department can locate the dispute and provide me with a status, which I can then provide to 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 ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com

[redacted]
 January 14, 2015[redacted]Re: Business Basics Checking [redacted], Business MasterCard [redacted]Dear [redacted]:We received a copy of...

the complaint you filed through the Revdex.com regarding your business checking account and business credit card account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for the level of service you received from our Collection Department. 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. 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.On September 6, 2013, a $36.99 credit refund was sent to [redacted] at the mailing address on file. Please note that if a credit balance remains on a credit card for sixty (60) days, the Bank will issue a refund check to our customer. This refund check does not close the credit card. It is used to offset the credit on the MasterCard. In our research we were not able to find either an attempt, or a request to close this credit card account.On April 30, 2014, a purchase in the amount of $39.90 posted to your account. When the Bank did not receive payment for this purchase, our Collection Department contacted you about the account to make you aware of the delinquency. As part of quality assurance, the Collection Department agents are required to notify you that past due accounts may be assessed late fees, and also may be reported negatively to the credit bureaus.On July 28, 2014, in a conversation with our Collection Department, you mentioned that the purchase of $39.90 was erroneous. Please be aware that you would have had the option to dispute this charge within sixty (60) days from the date when the charge posted to your credit card account. The Collection Department advised you during this call that you would need to send a letter stating the charge was erroneous. However, our records do not show that a dispute was ever initiated for this charge.On August 1, 2014, our Collection Department closed your Business MasterCard as you requested. The Collection Department also agreed to waive the finance charges and late payment fees that were associated with the past due amount. With the card successfully closed, no further charges can go through the card in the future. Please be assured that your account was not reported negatively to the credit bureaus. Our records show as you mentioned in    your complaint, that you requested a letter confirming any corrections made to your credit report. Please note that had your account been reported negatively to the credit bureaus, we would not have been able to make any corrections to your credit report until the balance due had been paid in full. I am sorry for any misunderstanding, and that you did not receive a letter of apology as you also requested at that time.On August 25, 2014, your payment of $39.90 was received and posted to your credit card account. The Collection Department waived all finance charges and late payment fees associated with the past due amount as agreed. The card now has a zero balance, and is showing as paid in full. I am sorry for the difficulties you experienced in trying to close your Business MasterCard. It was certainly not our intention to cause you any hardship.If you would like to contact the credit bureaus directly, their contact information is below:Equifax                ###-###-####Experian              ###-###-####TransUnion         ###-###-####Innovis                 ###-###-####Per your request, we also closed your Business Basics Checking account with a zero balance on January 5, 2015. I am sorry that your account was closed at the time of your original request. We will send a final statement to you on approximately January 31, 2015. If you access your account online at 53.com, you will see that your account is now closed.Thank you for your patience while waiting for a response. You have been a valued customer, and we hope you will reconsider using Fifth Third Bank for your financial needs in the future. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####.Sincerely, [redacted]Senior Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

[redacted] Date: July 11, 2017 Account: [redacted] Regarding the Promotional Cash Bonus Offer Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding the promotional...

cash bonus offer that was available at the time you opened your Fifth Third Bank 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. After thoroughly reviewing your account, we determined that you met all criteria for the $200.00 promotional cash bonus offer that was available at the time you opened your checking account ending in [redacted] on March 16, 2017. Therefore, we credited the $200.00 cash bonus to your checking account on July 7, 2017. I truly hope this letter meets your satisfaction and resolves your needs. Thank you for your patience while we researched this matter for you. 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 ###-###-####, Monday through Friday, 8 a.m. to 6 Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

Hello: After receiving the latest rebuttal, we contacted the banking center manager that met with [redacted].  The customer did not provide any new information. The banker has discussed the mortgage loan process with the Mortgage Loan Originator. The Mortgage Originator provided the same explanation to our office and the banker.  The customer had derogatory marks on her credit report, that required her attention. In order for the Bank to properly research the corrections a new credit report. We believe we have properly addressed all the customer concerns. We have nothing further to add to our response. I’ve attached our two prior responses for your review. Thank you. Pat S.Customer Care Team SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOPCincinnati, OH 45263

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.  In the response, Fifth Third Bank states that they wait (10) ten days after a loan is closed before issuing refunds. In following their ten day protocol, a refund of $575.00 should have been issued to me on December 8th when the check for $13.23 was mailed to me. That was ten BUSINESS days after I had paid off the loan. In talking with a supervisor, it was admitted to me that Fifth Third had made a mistake and their was no reason why the check for $575.00 was not written. The woman supervisor told me that was a mistake on Fifth Third Bank's behalf. Therefore, I had to wait yet another additional ten days to receive my refund. If I would have been late on a loan payment I would have been immediately been charged a late fee with no questions asked, yet Fifth Third makes a clear mistake, violates their own policy, and I am supposed to be okay with that. I deserve compensation for the days I did not have my money. Fifth Third did not follow what they have outlined in the response.
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.   I have also explained to the bank that if my name was still on the account the matter was not handled correctly because I had no access to the account and the afore mentioned letters were never sent to me. No this is not satisfactory and their internal research has not shown diligence in them trying to reach me regarding this matter.  Again. I would like for this vendor to remove my name from [redacted] along with any derogatory information they have falsely posted. 
Regards,
[redacted]