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Reviews Bank Fifth Third Bank

Fifth Third Bank Reviews (1358)

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10207014, 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.]
 
5/3 Bank attempts to say that all was done properly and in accordance with guidelines. Nothing is further from the truth.  In regards to the appraisal 5/3 did order the appraisal knowing full well the power was not on as needed. They were so informed by me, and the Agent.  In regards to additional requirements from me, I specifically asked well prior to their deadline and was informed they needed nothing further.  It took several days and requests to 5/3 to determine just what they wanted re structural engineers inspection, and then it was for areas original to the home.  We were not informed of clear to close until the day before closing, and then the required payment was not received (incorrect amount as well) until 11 PM the night before. 
5/3 ignores the unprofessional conduct by it's representatives, as expected. They also refuse to acknowledge their open questioning of my integrity.
The facts remain, 5/3 Bank is unprofessional and totally lacking in ethics. I will never recommend them to anyone.
Regards,
[redacted]

[redacted] Date: March 15, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding...

your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. Your comments expressing less than quality service are very concerning. We strive to provide accurate and professional service to our customers and I regret if this is not the level of service you received from the [redacted] Banking Center. On behalf of the Bank, please accept my sincere apology for any inconvenience or frustration this matter has caused you. Please be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received and passed along your concerns. We understand your concerns regarding the availability of your deposit. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud. In most cases, up to $100.00 of your total check deposits will be made immediately available, and the remaining funds will be available on the first business day after we receive the 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 deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the seventh business day after the day of your deposit. Depending on our 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. For more information on our Funds Availability Policy, please review pages 17-18 of the Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards. On February 2, 2016, you made three mobile deposits totaling $1,560.00. At the time of your mobile deposits, your account had been overdrawn since January 22, 2016, and was overdrawn sixteen (16) times in the previous twelve (12) months. A hold was placed on your deposit due to repeated overdrafts that had occurred on your checking account. Because your deposit was not made in person, we were unable to notify you at the time of the deposit that there would be an extended hold on the funds. As a result, we mailed a notice to you at the address on file that informed you about the hold. I apologize for any frustration this may have caused you. Please be assured that it was not our intention to cause you any hardship. You mentioned that you signed up for Overdraft Protection, which is a service where the Bank links your checking account to another Fifth Third deposit account or credit card account to attempt an automatic transfer in case the originating checking account becomes overdrawn. There is a $12.00 transfer fee assessed to the originating checking account if an automatic transfer covering an overdraft occurs. It should be noted, if there are insufficient funds in the account providing Overdraft Protection, you might be assessed overdraft fees per the terms of the Rules and Regulations referenced above. I have enclosed a current copy for your records. Page three (3) provides additional information regarding our overdraft fees. In researching your concerns, your checking account has been assessed $802.00 in overdraft fees in the last twelve months. We have enclosed copies of your checking account statements and overdraft notices mailed to you for that period. We reviewed each statement and determined that the fees were not assessed in error. Per Bank guidelines, we have already reversed the maximum amount of $74.00 in courtesy fee reversals within the last twelve (12) months. Therefore, we are unable to waive any additional fees at this time. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C. Office of the President Pc: Revdex.com Enclosures (35): Account Statements Covering the Last Twelve Months (12) Overdraft Notices Covering the Last Twelve Months (22) Rules and Regulations

[redacted]Date: May 19, 2015 Account: [redacted]Re: Checking AccountDear [redacted]:We received the complaint you filed with the Revdex.com regarding the collection calls you received for your checking account. We...

appreciate the time you have taken to express your thoughts and concerns regarding this matter.We appreciate the feedback you have provided and I apologize if our collection calls have caused you any frustration. Your feedback is important to us, so that we may better understand how we can improve our service to you. Please be assured that all customer feedback is reviewed by our Senior Management as a part of our ongoing commitment to improving our customers' satisfaction.The Bank's guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8:00 AM until 9:00 PM, including holidays. The Bank may make several calls each day in an effort to obtain a payment or to arrange suitable payment arrangements. On behalf of the Bank, I apologize if you were not aware of this information previously. Please note, we reviewed the call log history for calls placed to you and determined that no calls were made prior to 8:00 AM. It was certainly not our intention to cause you any hardship or frustration. It should also be noted that the Bank follows collections calling practices as stipulated by state and federal guidelines.You do have the option of placing a permanent hold on any collections calls that you may receive in the future. In order to place this hold, we ask that you send us a Cease and Desist Letter. The letter must include your name, account number, and written verbiage that states you do not wish to receive any calls from the Bank if your account becomes past due. The letter must also include your signature. You may send this letter to me directly at the address below:Fifth Third BankOffice of the President Attn: [redacted]Alternatively, this signed documentation can be faxed to my attention at: ###-###-####.Please note that requesting the Bank cease and desist telephone communications will not stop other collection activity on the account should it become or remain delinquent. If an account has a negative balance for more than fifty-five (55) days, the balance is charged off and the account is closed. A $30.00 charge off fee applies. Charged off balances are reported to ChexSystems and may be transferred to an outside collection agency for further collection efforts. We apologize for the trouble our current collection practices may have caused you.We strive to provide professional and accurate service to our customers, and again I apologize for any inconvenience this may have caused 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,[redacted]Consumer Resolution Specialist Office of the President

Please find attached our response to the additional rebuttal filed by [redacted]. Thank you. 5050 Kingsley DriveMD 1MOCOPCincinnati OH 45263[redacted]Date: August 19, 2016Account: [redacted]Regarding Your Installment LoanDear [redacted]:We received a copy of your additional rebuttal filed with the Revdex.com regarding your vehicle loan. We appreciate the opportunity to research your concerns.As advised in our previous response, according to our insurance center, your comprehensive insurance coverage was cancelled on December 16, 2015. A new policy was written on March 30, 2016, that included comprehensive coverage. However, the effective date for this policy was May 24, 2016. Subsequently, the Bank purchased insurance coverage, on your behalf, that was in effect from December 16, 2015, until May 24, 2016.In your most recent rebuttal, you requested that we contact your [redacted] Insurance agent, Jill Hawkins, directly regarding your insurance policy. I called [redacted] on August 16, 2016, per your request. Your insurance agent reviewed your file and verbally confirmed that you did not have comprehensive coverage from December 16, 2015, until May 24, 2016. The information provided by your insurance agent is the same information that our insurance center received from [redacted]. Therefore, the insurance policy that was purchased by the Bank was necessary and you are not entitled to a refund for the forced placed insurance purchased.Thank you for your patience while waiting for our additional response. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Office of the PresidentPc: Revdex.com

[redacted] 
[redacted] 
[redacted] Date: June 7, 2016 Account: [redacted] Regarding Your Debit Card Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding the issues you recently experienced...

with your debit card ending in [redacted]. We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the level of service you when you previously contacted the Bank regarding this matter. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your letter, I forwarded your concerns to the relevant parties at the Bank who thoroughly researched this matter. 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. However, I cannot inform you of any specific internal actions that may be taken. On May 29, 2016, a debit card transaction from [redacted] in the amount of $1.00 was initiated. Additionally on May 29, 2016, a debit card transaction from [redacted] in the amount of $49.95 was initiated. On May 29, 2016, you contacted the Bank and verified that the two (2) debit card transactions from [redacted] were indeed fraudulent charges. When the Bank verifies with a customer that suspected fraudulent charges are indeed fraudulent, the Bank’s policy is to place a permanent block on the card Our policy also allows for a temporary block to be placed on the account to allow for an additional transaction, if the customer requests that this be done. When you requested that a temporary block be placed on the card to allow for an additional transaction before the permanent block was placed on the account, the customer service agent mistakenly placed a permanent block on the card. Once a permanent block is placed on a debit card, it cannot be removed. We certainly regret the difficulties you experienced, but we are unable to issue funds to you in the amount of $300.00, as you requested. We apologize for any frustration this may cause 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

[redacted] [redacted] [redacted] Date: June 23, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your recent attempt to deposit a check...

via an Automated Teller Machine (ATM). We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On June 6, 2016, you deposited a check into your checking account for $4,891.45 at a Fifth Third Bank ATM. The check was issued by [redacted] and was made payable to [redacted] and [redacted]. Since the check was made payable to a party that was not listed on your checking account, the deposit made at the ATM was rejected and the $4,891.45 was debited from your account on June 6, 2016. Our ATM Processing Department mailed out a legal copy of the deposited check to the address listed on the account. Our records show that you deposited this legal copy to your checking account on June 17, 2016. The deposit of $4,891.45 posted to your account at the close of business on June 17, 2016, with the funds fully available on June 18, 2016. We hope that you are satisfied with the resolution and we regret any inconvenience this matter may have caused you. Thank you for your patience while we researched this matter for you. You are a valued customer and we hope you will allow us to service your financial needs in the future. If I may 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., EST. Sincerely, Lisa S.Office of the President Pc: Revdex.com

[redacted] Date: August 24, 2016 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. I completed a thorough review of your checking account and confirmed that you have declined Overdraft Coverage for debit card, check, and Automated Clearing House (ACH) transactions. Because you declined Overdraft Coverage, Fifth Third Bank will not pay transactions if there are insufficient funds to cover them. When you use a debit card to make a one-time purchase, the merchant processes an immediate authorization to the Bank electronically. We then verify in real time whether there are sufficient funds at that moment to cover the transaction. If there are funds available, we approve the authorization and you are able to complete the purchase. If there are not sufficient funds, we decline the transaction and you are then unable to make the purchase. Because the one-time debit card purchase was declined, you do not have an overdraft fee. If a one-time debit card transaction is pre-approved because there were sufficient funds at the time of the authorization, but then the transaction posts to the account for a larger amount causing a negative balance, such as a gas station purchase, you do not receive an overdraft fee for that transaction. Please note that this applies to one-time debit card purchases only. This is not applicable to recurring debit card purchases or ACH transactions. Because you declined Overdraft Coverage for ACH transactions and checks as well, we will return any ACH or check transactions as unpaid if there are insufficient funds in the account to cover them. Please note, however, that there is no authorization process to verify ahead of time if there are sufficient funds for checks and electronic payments like there is for a debit card. We do not know about an outstanding ACH or check until the merchant presents the item to be paid, so there is not an option to decline it like there is with a debit card. As a result, these kinds of transactions will always post to the account. When an ACH or check transaction is returned as unpaid, a returned item fee is assessed. Additionally, the merchant can represent the transaction multiple times. A returned item fee is applicable each time the transaction is presented if it is returned as unpaid. The beginning balance in your checking account on August 15, 2016, was $0.50. A $15.00 ACH transaction to [redacted] processed to your account that day, resulting in an ending balance of negative ($14.50). Because there were insufficient funds in your account to cover the transaction, and you declined Overdraft Coverage for ACH items, we returned the transaction as unpaid and assessed a $37.00 returned item fee the next business day. Additional ACH transactions have attempted to process from your account since that time, all of which were returned as unpaid per your Overdraft Coverage selection. Each returned item was subject to the return item fee. Enclosed are copies of the overdraft notices issued starting from August 15, 2016. I understand that you spoke to our Dispute Resolution Department regarding the returned item fees assessed to your account. Please be advised that Bank fees are not disputable transactions. However, you can dispute the transaction that caused the fee. The fee is then included as part of the dispute. I confirmed with the Dispute Resolution Department that you have not filed any disputes on your checking account. You stated in your complaint that the $15.00 transaction from Discover was not authorized, and that you paid it from a different account. If would like to dispute the transaction, or any other transactions, please contact our Dispute Department directly at ###-###-####. The Dispute Department is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. I confirmed that the fees charged to your account were charged correctly in accordance with your Overdraft Coverage preferences and Federal Regulations. Enclosed is a copy of the Rules and Regulations applicable to your account. Page three (3) lists the overdraft and returned item fees applicable to all of Fifth Third Bank’s consumer checking accounts. We have previously waived $74.00 in fees from your account in the last twelve (12) months as a courtesy. An additional $37.00 fee was waived on August 17, 2016. We are unwilling to waive additional fees at this time. I am sorry for any frustration this may cause you. On August 19, 2016, $40.00 was transferred to the checking account from your checking account ending in 3832. After the additional transactions that processed that day, the balance in your checking account on August 19, 2016, was $6.50. Joint account holder [redacted] withdrew the $6.50 on August 19, 2016, and the checking account was closed the same day. 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 T. Office of the President Pc: Revdex.com Enclosure: Overdraft Notices (3), Rules and Regulations

Please see attached response. December 30, 2014[redacted]Re: Credit Bureau reporting of Mortgage Loan ending in [redacted]Dear [redacted],We received a copy of your complaint, filed with the Revdex.com and the [redacted]...

[redacted], regarding the reporting of your Fifth Third mortgage loan to the credit bureau reporting agencies. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to address this matter.On behalf of the Bank, please accept my sincere apology for any frustration this matter may have caused you. Please be assured that we have contacted the relevant parties to research your account reporting and passed on your concerns. We strive to provide professional and accurate information to all of our customers, and we regret the difficulties you encountered regarding the reporting of your account. We also appreciate your feedback as it helps us to identify problems and to continuously improve the level of service we provide to our customers.We have conducted a thorough review of the information reported regarding your above mentioned mortgage and determined that the information provided to the credit bureau reporting agencies was not correct. In accordance with the credit reporting guidelines and Fifth Third Bank policy, if a customer continues making payments on a secured debt after the Chapter 13 has been discharged, the bankruptcy should be removed from the customer’s credit report.Please be assured we have submitted an update to all four (4) credit bureaus to remove the bankruptcy reference from your credit report. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. Please note that after submitting corrections to the credit reporting agencies, the Bank conducts follow up reviews of accounts with the credit bureaus to ensure the updated information is notated correctly.If you would like to contact the credit bureaus directly, their contact information is below:  Equifax ###-###-#### Experian ###-###-#### TransUnion ###-###-#### Innovis ###-###-####   Fifth Third Bank, Member FDIC.     Equal Housing Lender. Fifth Third and Fifth Third Bank areregistered service marks of Fifth Third Bancorp   [redacted], we strive to provide professional and accurate information to our customers in as timely a manner as possible, and I am sorry that has not been your experience. You are a valued customer and we look forward to serving your future financial needs. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####.Sincerely, [redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.com[redacted]

[redacted] Date: February 6, 2017 Regarding Your Complaint Dear [redacted]: We received a copy of your...

complaint filed with the Revdex.com (Revdex.com) regarding [redacted] account with Fifth Third Bank. 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. Because you are not a signer on the account in question, we are unable to share any details concerning the account with you. Security measures such as this are in place to protect account holders from potential fraud, and I apologize for any inconvenience this may cause you. Please be assured that we have submitted separate correspondence to the account holder regarding the concerns expressed in your complaint. 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

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: May 27, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the 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. The beginning balance in your checking account on May 6, 2016, was $18.92. Six (6) transactions totaling $30.30 posted to your account that day, causing an ending balance of negative ($11.38). Three (3) transactions contributed to the overdraft occurrence. We paid all of the items and assessed three (3) overdraft fees of $37.00 each on the following business day, May 9, 2016. Enclosed for your reference is a copy of the Rules and Regulations for your account. Page three (3) provides information about the overdraft fees assessed to your account. Pages eleven (11) through thirteen (13) provide additional information regarding how the Bank processes overdrafts. I have also enclosed a copy of the overdraft notice we sent to you the next business day on May 9, 2016. Please note that we process transactions at the end of each business day and we do not process transactions on Saturday, Sunday, or Federal Holidays because they are not business days according to Federal guidelines. Additionally, checks and Automated Clearing House (ACH) transactions will not show as pending items when you check your account during the day. Checks and ACH transactions are applied to your account at the end of the business day during our overnight processing hours. If there are not enough funds to cover the checks or ACH transactions that post to your account with that day’s business, then your account is subject to overdraft fees that will be assessed to the account on the next business day. The three (3) items that posted to your account that we paid while the balance was negative were ACH transactions. Because ACH transactions do not show as pending on your account, the overdraft was not visible during the day on May 6, 2016. After we processed the ACH transactions during our overnight processing that day, the overdrawn balance of negative ($11.38) was listed on your account beginning on May 7, 2016, which was a Saturday. The negative balance was visible on our website at 53.com, via our Mobile Banking application, through our automated phone system and Customer Service Department, and at our Automated Teller Machines (ATMs). While the negative balance was visible on May 7 and May 8, 2016, overdraft fees are not assessed to the account on non-business days. The first (1st) business day after the date of the overdraft was Monday, May 9, 2016. On May 9, 2016, the $111.00 in overdraft fees were listed as pending on your account, and they posted that night during our overnight processing hours. I am sorry for the dissatisfaction you have experienced because the fees were not visible sooner. For your convenience, I have also enclosed 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. Please feel free to contact me at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. It was certainly not our intention to cause you any frustration, and I apologize for any inconvenience this matter may have caused you. We previously reversed overdraft fees totaling $50.00 as a courtesy to you. In the interest of customer service, we have credited back an additional $24.00 in overdraft fees as a courtesy on May 25, 2016. We are unwilling to waive additional fees at this time. As of May 24, 2016, the balance in your checking account is $4.59. I confirmed that there has not been an additional overdraft on your account since May 6, 2016. Please be assured the Bank takes overdraft account situations very seriously. At this time our banking centers are not currently required to contact each customer that becomes overdrawn. Additionally, Fifth Third Bank does not contact customers to notify them of a potential overdraft before the overdraft has occurred. In some cases the banking center may make a courtesy telephone call on an overdrawn account. I apologize for the distress this has caused you. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna T.Office of the President Pc: Revdex.com Enclosure: Overdraft Notice, Rules and Regulations, Fifth Third Overdraft Solutions 2

November 10, 2014 
[redacted] 
[redacted] 
[redacted] 
Re: Checking account ending in[redacted] 
Dear Ms. [redacted], 
We received a copy of your complaint recently filed with the Revdex.com concerning...

the 
conduct of the Financial Center Manager at the [redacted] Financial Center and Fifth Third Bank’s policy in 
regards to our customers account information and privacy. We appreciate the time you have taken to 
document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes 
your feedback seriously, and I appreciate this opportunity to respond to your concerns. 
Your comments expressing less than quality service are very concerning and I regret the difficulties you 
experienced. I have shared the information you brought to our attention with the management of the 
Financial Center you mention in your correspondence. Additionally, customer feedback is reviewed with 
our regional management as part of our ongoing commitment to improving our operations. 
Ms. [redacted], on October 21, 2014, you purchased a cashier’s check in the amount of $[redacted] from 
our [redacted] Financial Center. In addition to the cashier’s check, you requested to withdrawal $8,10[redacted] 
in cash, which brought your account balance to $[redacted]. It is our understanding that you requested for your 
checking account to be closed after those transactions posted to your account. On October 22, 2014, two 
(2) deposits in the amount of $[redacted] each posted to your checking account and savings account, 
respectfully. On October 29, 2014, [redacted], the Financial Center manager of the [redacted] 
Financial Center, contacted you in regards to those two deposits, and to inquire if you still required your 
checking account to be closed. At no time was your account information accessed by the Financial 
Center Manager for any reason other than to inquire if you still wanted your account closed, as you 
requested on October 21, 2014. The Regional Manager of the [redacted] Financial Center and [redacted]’s 
direct manager, [redacted], attempted to contact you on October 30, 2014 and October 31, 
2014, but as of November 3, 2014, had not been able to connect with you concerning the issues on your 
account. I attempted to contact you, as well, on November 5, 2014, but was unable to leave a message. If 
you have additional questions regarding your checking account or the phone call that the Financial Center 
Manager placed to you on October 29, 2014, please call me at the number below. As of November 5, 
2014, your checking account ending in[redacted] remains open with a positive balance of $[redacted]. 
On behalf of the Bank, I would like to offer my sincere apologies for any inconvenience this matter 
caused you. Fifth Third Bank strives to meet your financial needs while balancing a commitment to 
responsible Banking practices. In support of this commitment, we may review your accounts and how 
they are used throughout the year. Please be assured that everyone at the Bank takes protecting our 
customers’ financial and personal information very seriously. 
Ms. [redacted], it is certainly not our intention to cause you any undue hardship. We strive to provide 
quality service to all of our customers, and I apologize if we failed to meet your expectations. On behalf 
of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. 
It was certainly not our intention to cause you any hardship or frustration. If I could be of further 
assistance to you please call me at [redacted] 
Sincerely, 
[redacted] 
Consumer Resolution Specialist 
Office of the President

[redacted] Date: August 17, 2016 Account: [redacted] Regarding Your Fifth Third Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your...

mortgage loan payments. 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, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On March 2, 2016, the Bank sent you a letter titled Important Information Regarding Your HAMP Modified Loan; Action Required. I have enclosed a copy of the letter for your review. This letter informed you of your eligibility for a $5,000.00 incentive payment, which would be applied directly to your loan’s principal balance. In addition, you were provided the opportunity to re-amortize the mortgage loan. On July 15, 2016, you chose to have your loan re-amortized. On June 10, 2016, the Bank sent your monthly mortgage statement to the address above. This statement indicated your monthly payment of $1,097.90 was due by July 1, 2016. I have enclosed a copy of the June 10, 2016, statement for your review. Because you had not accepted the Bank’s offer to re-amortize your mortgage loan prior to July 1, 2016, you were required to make the regular payment of $1,097.90 within the fifteen (15) day grace period. On July 15, 2016, you chose to have your loan re-amortized. Effective July 1, 2016, your monthly principal and interest payment was lowered to $832.30. It should be noted that this payment does not include your monthly escrow payment. I have enclosed a copy of your modification agreement signed on June 23, 2010. Please note section four (4) item C, which states that you also agree to the following: “To comply, except to the extent that they are modified by this Agreement, with all covenants, agreements, and requirements of Loan Documents including my agreement to make all payments of taxes, insurance premiums, assessments, Escrow items, impounds, and all other payments, the amount of which may change periodically over the term of my Loan.” Our review of your mortgage loan payment history determined your payment of $832.41 on July 1, 2016, did not satisfy your full monthly mortgage payment due July 1, 2016. For this reason, the Bank received and posted this payment to an unapplied state. The full mortgage payment due July 1, 2016, was $1,097.90. This payment included your $878.83 principal and interest payment and your $219.07 escrow payment. On August 4, 2016, the Bank received and posted the remaining payment of $219.07. This payment added to the $832.41 payment made on July 1, 2016 satisfied the payment due July 1, 2016; however, this payment was more than thirty (30) days delinquent. This payment was correctly reported to the credit reporting agencies as thirty (30) days late. Please note that the Bank did properly inform you of the correct mortgage loan payment due July 1, 2016. In the interest of customer service however, the Bank has contacted the credit reporting agencies to remove the late mark for July 2016. Please allow the credit reporting agencies thirty (30) days to update the reporting. You will receive a letter from our operations department under separate cover informing you of this update. If you apply for credit within the next thirty (30) days, please use this letter as proof that Fifth Third is correcting the negative reporting. We have confirmed your next mortgage payment of $1,051.48 is due on September 1, 2016. Thank you for your patience while we researched this matter for you. We do regret any inconvenience or frustration this issue may have caused you. Please be assured, 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 directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S[redacted] Office of the President PC: Revdex.com Enclosures: HAMP letter, Modification Agreement, June 10, 2016, mortgage statement

[redacted] Date: March 21, 2016 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received your follow up to our initial response to your complaint filed with the Revdex.com, concerning your installment loan title. We appreciate the time you have taken to express your concerns regarding this matter. As we mentioned in our previous response, on March 3, 2016, the Bank sent your title to your updated address. I have enclosed a copy of that response for your records. Our research confirmed the title was sent through the United States Postal Service. If you have not received your title, please contact me at the number below. I will be happy to assist in contacting the collateral department at that time. 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 [redacted], or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Prior Response

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
Regards,
[redacted]Hello - This complaint is against Fifth Third Bank. This complaint is in regards to unfair business practices under the fair credit reporting act. This complaint is also in regards to fifth third bank engaging in unfair treatment and practices against minorities. In the past fifth third bank has been ordered to pay over 1,000,000 for lending violations. While, this is not a lending violation it is a matter of fairness. Fifth third bank accessed a 30 day late notice to my mortgage account after there was a mix-up regarding setting up automatic bill pay. Because there was confusion in the past, I was under the assumption that automatic bill pay was setup and there were no issues. However, that wasn't the case. On May 9th, 2017, I call regarding the account and was informed I was 30 days late. I immediately paid the account and begin to investigate. The facts are; 1. On May 9th 2017 - The fifth third agent said on a recorded line that the bank did not have a number to call me. She took my information and said she would update my file. 2. Fifth third bank never called me during the 30 days of April to let me know the account was behind. 3. Fifth third bank send 1 letter - because I travel weekly, I did not receive the letter. Which is why a call or having bill bank established is critical 4. Fifth third bank indicated in written communication that they never called me 5. Fifth third bank called me regarding my loan for the first time in almost two years on 6/6/2017. This is no coincidence. 6. The rep from fifth third bank stated that the late date could not be removed because it's accurate and the bank made no mistake. However, that statement is false, according the fair credit act, a lender can correct or delete negative information reported. I'm asking that the 30 day late date be removed due to the following; 1. Inaccurate information given to the consumer 2. Fifth third bank failed to call me regarding my mortgage. While they may not have to call, it's the right and FAIR thing to do to keep customers from getting behind. Because the bank indicated I never received a call, I'm asking that the bank assume responsibility for not doing all they could to protect me. 3. There was clearly a mis-communication between myself and fifth third bank regarding the automatic bill pay.Desired Outcome: Remove 30 day late date

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.  Thank you for all of your assistance.
Sincerely,
[redacted]

[redacted] Date: March 10, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com regarding your Fifth Third Bank checking account. We appreciate the additional 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 or frustration you may have been caused. However, we stand by our previous response letter sent to the above address on February 4, 2016. I have enclosed a copy of our previous written response for your review. Our position on this matter has not changed. Please be assured that Fifth Third Bank takes claims of discrimination very seriously and does not make decisions regarding fee waivers based on race, color, religion, national origin, sex, marital status, age, disability, familial status, or the receipt of public assistance. You are a valued customer and we hope you will allow us to service your financial needs in the future. If I may be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####. Sincerely, Lisa S. Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosure: letter dated February 4, 2016

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: November 12, 2015 Account: [redacted] Regarding Your Credit Card Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your Fifth Third...

Bank credit card account. We appreciate the time you have taken to share your thoughts and concerns regarding this matter. On August 18, 2015, our Disputes Department opened a case for your identity theft claim. We opened case # [redacted] and began our investigation. During our research, we discovered that you had previously spoken to our Collection Department several times regarding this account. Our Collection Department agents contacted you at the phone number listed on the account. According to our notes, you did not inform the Collection Department agents that you did not open this credit card account. Instead, you made payment arrangements and even requested hardship assistance. Due to these reasons, your identity theft claim was denied by our Disputes Department. If you would like to receive any additional information about your case, you may contact our Disputes Department at [redacted], Monday through Friday, 8 a.m. EST until 5 p.m. EST. Please be aware that this credit card account was sold to the collection company, [redacted] on January 12, 2015. If you have any additional questions about your credit card account, or if you would like to set-up payment arrangements, you will need to contact [redacted] directly since we no longer own the account. You may contact [redacted] by phone at ###-###-####, or by mail at: [redacted], [redacted]. It was certainly not our intention to cause you any hardship, and we sympathize with the difficulties you have experienced. You were a valued customer and we look forward to servicing your financial needs in the future. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., EST. Sincerely, Lisa S. Office of the President Pc: Revdex.com

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 finally got my debit card but I have decided to switch banks as a result of this. The bank never called me and their customer service needs improvement.  
Regards,
[redacted]

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Address: 384 1st St, Watervliet, Michigan, United States, 49098-5104

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