Fifth Third Bank

Regarding the attached correspondence from [redacted], since there is no additional to provide at this time, I will wait until the scheduled follow up date of June 17, 2016, before providing the customer with an additional response. If the account is reporting correctly at that time, the customer will not receive an additional response from us. If the reporting is still incorrect at that time, we will send another response to the customer informing him that the account is still not reporting correctly, and that another update has been submitted to the credit reporting agencies.Typically, as stated above, if the account is reporting correctly at that time, the customer will not receive an additional response from us. However, in the interest of customer service, I will be sure to contact the customer by phone on June 17, 2016, to discuss the reporting of the account at that time.Thanks,Adam P.Consumer Resolution SpecialistFifth Third Bank | Office of the President

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 just wanted to let you know that the matter involving Fifth Third Bank was semi-successfully resolved.Thank you for all you've done for my wife and myself in helping to get some satisfaction from this institution.Sincerely,[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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: June 29, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the rebuttal you submitted to the Revdex.com regarding your checking account. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. I am sorry that you feel our previous response did not sufficiently address your complaint. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. However, we stand by the response we conveyed to you in our previous letter dated June 21, 2017. I have enclosed a copy of that letter for your convenience. Our position on this matter has not changed. Since the [redacted] insurance payment posted to your account on May 3, 2017, it would not have been possible for you to have made the payment on May 4, 2017. If you have evidence to support you claim, please send documentation to the following address: Fifth Third Bank Office of the President Attn Elizabeth D. 5050 Kingsley Drive MD 1MOCOP Cincinnati OH 45263 You may also fax the documentation to my attention at ###-###-####. If you are able to provide additional documentation, I will be happy to further research the matter for you. Additionally, you indicated that you attached a letter to your rebuttal dated March 18, 2017, stating that you have until 9 p.m. to correct an overdraft; however, this letter was not attached to your rebuttal on the Revdex.com’s website. You may also mail or fax this letter to me for further research. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Prior Response Letter

[redacted] Date: December 21, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com concerning your Fifth Third Bank mortgage loan. We appreciate the additional time you have taken to share your thoughts and concerns regarding this matter. On October 23, 2015, we received a payment of $2,057.19 that served as the full payoff of your Fifth Third Bank mortgage loan. I have enclosed a copy of your mortgage loan payment history, for your review. At the time of the loan payoff, your mortgage loan was charged $198.00 for a recording fee. This was not a fee charged by Fifth Third Bank. This fee was charged by the city of [redacted]a to record the loan payoff and the release of the lien on your property. Please find enclosed a copy of the Satisfaction of Mortgage for the property located at [redacted], that discloses the recording fee of $220.00. Please know, even though the fee was $220.00, your loan was only charged $198.00 when the loan was paid off. Our review determined that the city of [redacted]a previously increased their recording fee from $198.00 to $220.00. However, our systems were not updated when the fee was increased so you were charged the lesser amount, and the Bank paid the difference. Please accept our apologies if our Customer Service Professionals were unable to provide specific information regarding this fee when you contacted our Consumer Contact Center. Additional research was required to determine the source of the fee. We appreciate your patience while we conducted the necessary research. Thank you for the additional opportunity to research your concerns. You are a valued customer and we sincerely hope that you will allow us to service your financial needs in the future. 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 Enclosures: Satisfaction of Mortgage, Payment History

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 husband had the same card and there was no annual fee, ever. That is why I got one. I have cancelled both cards and will not do business with fifth/third bank.  You tricked me and it is very wrong for a company like yours to operate like this.  Piling on late will not make me pay pleas stop harnessing me. Thanks
Regards,
[redacted]

[redacted] Date: October 19, 2016 Regarding Your Complaint Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your experience at the [redacted]...

Banking Center. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the frustration you experienced regarding this matter. We strive to provide courteous and professional service, and I apologize if that was not your experience. I would like to thank you for your feedback regarding your visit to the banking center. Customer feedback assists us to identify areas of improvement so we can continue to improve our customers’ experiences. I understand that you waited in the drive-thru lane at the [redacted] Banking Center on October 5, 2016, and you were not promptly assisted. Additionally, other vehicles that entered the drive-thru after you were assisted first (1st). I am very sorry for the inconvenience and dissatisfaction this situation caused. Unfortunately, the [redacted] Banking Center had only three (3) people working that day. One (1) employee was out of the office for lunch at the time of your visit and the other two (2) employees, including the financial center manager, were assisting other customers. I am very sorry that this caused a delay in service, and that it caused you to be assisted out of turn at the drive-thru lane. Our Customer Service Department employee named Ashley sent your concerns about the banking center that day to the regional manager in charge of the [redacted] area. I have also forwarded your additional concerns regarding the security guard to the regional manager in charge of the [redacted] area. The regional manager will take any necessary steps regarding the employees at the [redacted] Banking Center. However, we cannot inform you of specific internal corrective actions that may be taken to resolve this matter. 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

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. 
this rebuttal essentially just repeats the first response. Nowhere do they address the fact that they sent me the $400 payment they claim to have no record of. Also, any rep from their company is aware of both payments yet the person responding to a Revdex.com complaint doesn't have the information that an agent has access to? This is an untrustworthy, unethical business that I will encourage anyone I can to never do business with.I am truly disgusted by their practices and lack of decency through out this. 
Regards,
[redacted]

[redacted] I just spoke to my agent to get clarification of the document you received. It is the same document Fifth Third has received in the past. She said Fifth Third Bank obviously doesn't fully read documents and stopped reading after they read the heading "Liability". If you go down to the bottom box it will state I did in deed have Comp AND collision coverage and I had a $1,000 deductible. They have record of my payments as well. There was a computer error prior to May 2016 on my account. The page you are now holding is in fact a legal declaration page in a court of law. She stated it is stamped with their logo and the agent's signature. She stated if you had any further questions you may contact [redacted] ###-###-####. They can not go back and alter the computer documents because that is to prevent fraud. Again this is a legal declaration page like they had BEFORE computers and Fifth Third does not understand how to read it obviously. So in combination with this AND the letter she acknowledged she received that stated I was covered that is more than enough to take into a court of law.  Scincerly [redacted]

[redacted] Date: November 25, 2015 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com concerning your vehicle installment 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 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. According to our records, the Deferment Agreement that you accepted states that the payments due on August 9, 2015, and September 9, 2015, would not have to be made on those dates. The payments deferred on those dates would be owed at the end of the loan term. The Deferment Agreement states that next payment was due on October 9, 2015. A copy of the Deferment Agreement in enclosed for your review. Per the enclosed copy of the Bank’s Rules and Regulations, a copy of which was also provided when your account was opened, when you owe the Bank a debt on one of your accounts, the Bank has the right to transfer funds from another account you are an owner of to cover the debt owed to the Bank. Specific information about this can be found on page eleven (11) paragraph seven (7) of the enclosed copy of the Bank’s Rules and Regulations. Since we did not receive the payment that was due on October 9, 2015, we debited your checking account ending in 4979 on November 16, 2015, in the amount of $375.31, for the total amount that was due on your loan at that time. We regret any inconvenience this may have caused you. Please also be aware that on June 26, 2015, our Collections Department received a verbal Cease and Desist request from you. Per this request, the Bank was not able attempt to contact you on the telephone regarding the past due status of your loan. If you would prefer that the Bank contact you on the telephone when your loan is past due for payment, you can certainly contact our Collections Department to have the Cease and Desist status removed from your loan. To do so, please contact our Collections Department at ###-###-####, Monday through Friday, 8 a.m. to 9 p.m., ET., Saturday to Sunday, 8 a.m. to 5 p.m., ET. I also want to apologize for the level of service you received when you contacted our Collections Department regarding this matter. We strive to professional and accurate to service to all of our customers and we regret if this has not been your experience. We also regret that we were not able to take $50.00 of the payment that was debited from your checking account on November 16, 2015, and deposit it back into your checking account. Please be aware that if this could have been done, it could have resulted in the further delinquency of your loan. I also want to make sure you are aware that there is not a fee to close your checking account. While we truly value your business, you can certainly close your checking account at any time. There is not an account closure fee associated with your checking account. There is also not an account closure fee associated with your Access 360 prepaid debit card. If you wish to close your checking account or your Access 360 prepaid debit card accounts, please visit your nearest Fifth third Banking Center for assistance. As of November 23, 2015, your loan is current. Your next payment of $194.09 is due on December 9, 2015. [redacted], 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, Adam P. Office of the President PC: Revdex.com Enclosures (2): Rules and Regulations; Deferment Agreement

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.  Provided I am not getting the run around, like I have every other time I have contacted 5/3 bank. Provided they actually send my title like they say they will, because I never received one at [redacted]...then yes this would resolve my issue with them.Thank you [redacted]

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 13, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding late fees charged to...

your Fifth Third Bank installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On March 29, 2013, you were approved for and agreed to a vehicle loan of $28,962.03 with a fixed rate of three point three four percent (3.34%) for term of seventy two (72) months. Your installment loan is considered past due for payment if we do not receive your total monthly payment by the thirteenth (13th) of each month. The final calendar day of your fifteen (15) day grace period is not considered the due date for your payment obligation. The grace period indicates when a late charge will actually be assessed to your loan for a past due payment. We regret if you were told otherwise. According to the enclosed Security Agreement that you received at closing, it states that if your total monthly payment is more than fifteen (15) days late, you will be charged a fee of ten percent (10%) of the unpaid payment or $20.00, whichever is greater. We reviewed your payment history and confirmed that on six (6) occasions we did not receive your full monthly payment amount due before the end of your grace period. I have enclosed a copy of the payment history for your review. As a result of the six (6) late payments, your loan was charged a total of $267.06 in late fees. You may wish to consider enrollment in a bill payment service called Auto BillPayer. We offer Auto BillPayer to existing Fifth Third Bank loan customers. Auto BillPayer will automatically transfer your monthly payment from a non-Fifth Third Bank checking account to your installment loan at no additional charge. Many of our customers appreciate the convenience of Auto BillPayer, which eliminates the need of check writing. If you have any questions about Auto BillPayer, or if you would like to set up the payment service, please call Auto BillPayer at (###) ###-####, Monday through Friday, 9AM Eastern Standard Time (EST) to 5PM EST. If you utilize Auto BillPayer and a payment date is setup every month during the grace period, our Collection Department will not contact you during the grace period. We appreciate your patience while we reviewed your concerns. You are a valued customer and we hope you will allow Fifth Third Bank to service your financial needs for many years to come. If I could be of further assistance to you, please call me at ###-###-####, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S.Office of the President Pc: Revdex.com Enclosures: Security Agreement, loan history

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

FIFTH THIRD BANK5050 Kingsley Drive MD 1MOCOPCincinnati, OH 45263[redacted], [redacted]Date: March 24, 2015Re: Mortgage Loan RefinanceDear [redacted],We received a copy of the complaint you submitted to the Revdex.com on behalf of [redacted]...

regarding his attempt to obtain a mortgage loan refinance. We appreciate the opportunity to respond to this matter.We regret the level of service that you and [redacted] received when you contacted our [redacted] Banking Center. Please be assured that we want to provide you with an exceptional experience every time you contact us. From your letter, it is clear we did not meet your expectations. I am truly sorry we disappointed you.I want you to know that I have already taken action on your feedback. After reading your complaint, I have shared the concerns you brought to our attention with the appropriate parties within the Bank. Additionally, customer feedback is reviewed by our senior management as part of our ongoing commitment to improving our customers' satisfaction.It is our understanding that this issue has been resolved and an appointment has been scheduled with a mortgage loan originator at the [redacted] Banking Center for Friday, March 20, 2015. I apologize for any inconvenience this miscommunication may have caused, and I hope this letter meets your satisfaction and resolves your needs.Thank you for your patience while we researched this matter for you. [redacted] is a valued customer, and we look forward to serving his 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 President

Hello, after receiving the letter dated 9/1/2016 from Fifth Third Bank in the mail today I see that it says also On May 31, 2016 my dispute was opened. I actually opened the dispute by calling on May 28 ,2016 in which also at this time I relayed the details of my non- receipt of services as myself and the merchant had discussed briefly on 5/25/2016 via phone as to what the $350 would be for the very next day 5/26/2016 was to be the date of service. This 10 minute conversation was my only one with the merchant as had no previous contact with her and only obtained her cell phone number only from her website. It also says we are unable to further pursue these disputes yet there is and has just been one dispute. These letters keep coming from the Office of the President with the same signature, in which I have been given at least 3 different street addresses for.Also as previously explained my questions in my non- accceptance today with the Revdex.com go unanswered and the documents provided to me being my own letter sent to them detailing the dispute and my bank statement are not acceptable as the only documents indicating how my dispute was investigated as there should be a response from the merchant.Thank you,[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.   The Bank published that my payment was late during a refinance when it wasn't.The Bank is also charging me for late fees that weren't charged previously and that they have not informed me off.These practices are very suspect and I'd like a response specifically to these issues and not just a payoff statement which is not an adequate response to my concerns.
Regards,
[redacted]

[redacted] Date: March 28, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the letter you sent to the Revdex.com concerning your...

Essential Checking 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 any inconvenience or frustration this matter may have caused you. Please also accept my sincere apologies for the difficulties you experienced when you previously contacted the Bank regarding this matter. 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. On March 21, 2017, the beginning balance in your checking account was $32.88. On March 21, 2017, two (2) items posted to your account totaling $127.57. Due to insufficient funds in the account to pay one (1) of the items that posted to the account, one (1) overdraft fee totaling $37.00 was assessed and posted to the account the following day. The ending balance in your checking account on March 21, 2017 was negative ($94.69). A copy of the Overdraft Notice dated March 22, 2017, is enclosed for your review and convenience. On March 22, 2017, the beginning balance in your checking account was negative ($94.69). On March 22, 2017, three (3) items posted to your account totaling $446.99. Due to insufficient funds in the account to pay one (1) of the items that posted to the account, one (1) overdraft fee totaling $37.00 was assessed and posted to the account the following day. The ending balance in your checking account on March 22, 2017, was negative ($461.68). A copy of the Overdraft notice dated March 23, 2017, is enclosed for your review and convenience. It is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. However, pursuant to your previous fee waiver requests, we have reversed $74.00 in overdraft fees over the past twelve (12) months, as a courtesy to you. In most circumstances, additional courtesy overdraft fee reversals would not be warranted; however, since we empathize with your situation, we have reversed an additional $74.00 in overdraft fees on March 27, 2017. Except in the case of a Bank error, any additional overdraft fee reversal requests over the next twelve (12) months will be declined. I want to be sure that you are aware that the Bank offers several options for Overdraft Protection. Overdraft Protection for a checking account allows funds from another account to be transferred into the checking if the checking account becomes overdrawn. If you are enrolled in Overdraft Protection, funds are automatically moved from another Fifth Third account that you own. Although there is an overdraft transfer fee of $12.00 per transfer, this is less than the fees that are assessed when your checking account becomes overdrawn without Overdraft Protection. For more information about Overdraft Protection, please visit your local Fifth Third Banking Center or contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday 8:30 a.m. to 5 p.m., ET. You will also find additional information on our website at 53.com. I also want to be sure that you are aware that Fifth Third offers alert services that provide you with information about your Fifth Third Bank Accounts, which can assist you with preventing future overdraft occurrences. You may sign up for a variety of alerts, including a text or email alert to notify you when your balance falls below a threshold that is comfortable for you. This real-time alert will notify you any time your debit card and Automated Teller Machine (ATM) transactions result in a balance lower than your designated alert threshold. Because checks and electronic payments are processed overnight, we cannot currently offer a real-time alert when your account becomes overdrawn. However, you can set up alerts to let you know when the balance reaches a specific amount you determine to allow you time to deposit additional funds before the account becomes overdrawn. For example, you could set up an alert to notify you when the balance reaches $20.00. You could then review the account activity to determine if all of your authorized transactions have posted, and if not, determine how much additional funds you will need to deposit to cover any outstanding items. You can also schedule an alert that notifies you when an overdraft notice is available to be viewed on our website. While this alert will not prevent an overdraft, it will allow you to correct the negative balance sooner, which can help prevent any additional overdraft charges from being assessed. For a list of the account alerts offered by the Bank, please visit the alerts section within online banking or our mobile app. For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions for Consumers 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. [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 I want to assure you that we truly value your banking relationship with us. 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 Enclosures (3): Overdraft Notices; Overdraft Solutions for Consumers Document

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], I am not going to pursue this matter further.  The bank's response was much the same as what they told me directly, full of twisted truths and flat out falsities.  They continue to say I was not enrolled in auto-pay (I was), because that absolves them of any accountability.At any rate, I appreciate your efforts in this matter Revdex.com.
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.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
I do not agree with Fifth Third Bank response, because I have given them all my information and more. They have some how given me an account number,that I do not know about. I have told them multiply times,I do not have an account with them, but they insist on asking for statements and account numbers. I have attached a copy of my car title and exposed the necessary information to provide them with proof, that they do have a lien on my car title. Thank You.