Fifth Third Bank

Please find attached copies of the letters mailed to the customer from the mortgage department regarding the necessary rescore (credit pulls). Please find attached copies of the responses we have mailed to the customer. The customer has not brought any new concerns to our attention, and we feel the attached responses have appropriately addressed her concerns. Thanks.  Pat S.Customer Care Team SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOPCincinnati, OH 45263

November 10, 2014 
[redacted] 
[redacted] 
[redacted] 
Re: Installment Loan[redacted] 
Dear Mr. [redacted], 
We received a copy of your complaint filed with the Revdex.com, regarding the vehicle...

title 
for your closed installment loan account. We appreciate the time you have taken to document your 
thoughts and concerns regarding this matter. 
Your comments expressing less than quality service are very concerning. On behalf of the Bank, please 
accept my sincere apologies for any inconvenience this situation may have caused you. We strive to 
provide professional and accurate service to our customers, and we regret if that has not been your 
experience. 
On October 31, 2014, your payoff in the amount of $[redacted] posted to your installment loan and the 
account was closed at that time. The standard processing time for the title or lien release to be mailed 
out the customer is ten (10) days. In your case, the title for your vehicle was expected to be sent on 
November 7, 2014. As a result of your correspondence, we expedited the lien release process and your 
vehicle title was sent to the address noted above on November 5, 2014. However, please allow 
additional time for mailing to receive your car title. We hope this will assist you in the sale of your 
vehicle. 
Mr. [redacted], please be assured that it was not our intention to cause you any hardship and frustration. 
You were a valued customer and we hope that you will consider the Bank for your financial needs in 
the future. If I could be of further assistance to you, please contact me directly at [redacted] 
[redacted] 
Sincerely, 
[redacted] 
Consumer Resolution Specialist 
Office of the President 
Pc: Revdex.com

[redacted] Date: January 31, 2017 Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your mortgage account. We appreciate the time you have taken to express your continued thoughts and concerns. On behalf of the Bank, I apologize for the difficulties or concern this situation may have caused you. However, per our conversation on January 23, 2017, we stand by our previous correspondence dated January 20, 2017. The Bank is unwilling to provide financial compensation regarding this matter. For your reference, I have enclosed a copy of our previous correspondence. However, if you incurred overdraft fees on your checking account due to the additional two (2) business days it took for the Bank to issue your check, we would be happy to reimburse those fees. If this is the case, please submit a copy of your Bank statement showing the transactions and applicable overdraft fees. Please be assured that I have contacted the relevant Bank personnel regarding the information you received from our Customer Service Department. We appreciate your time and patience, and apologize for the distress this matter may have caused. 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 Enclosure: Previous Correspondence

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. [redacted] this complaint was previously filed with your office - THERE HAS BEEN NO RESOLUTION BY FIFTH THRIRD BANK. Who admitted to over charging us on escrow and we have received in writing. Revdex.com closed the previously complaint stating you did not hear back from us - the phone call that came in got cut off and gave us no options to advise that our requests to Fifth Third has gone unresolved. We have proof of our request to Fifth Third to remove the delinquencies off my credit along with sending us a check for the difference from back in July along with interest due to the gross negligence of over charging us on ESCROW I am still pending contact from a Rep for bank by the name of [redacted] Q.. I am owed money and correction to my credit report.  I have been waiting for months now for this situation to be corrected please assist - this bank should not be able to practice banking with the negligent banking practices
Regards,
[redacted]

[redacted] Date: January 9, 2017 Account: [redacted] Regarding Your Fifth Third Basic Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding a recent...

hold placed on your checking account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. We have attempted to contact you by telephone to discuss this matter; unfortunately, you have not returned our calls. 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 Bank Protection Department. 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. 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. On October 7, 2016, you opened a Basic checking account online via our website, 53.com. I have enclosed a copy of the signature card for your account. Please find enclosed a copy of the statements and overdraft notices associated with your checking account. On November 7, 2016, your ending account balance was negative ($7.53). On November 8, 2016, the Bank provided provisional credit to your checking account for two (2) disputed transactions. The provisional credit resulted in a positive ending balance of $122.42 on November 8, 2016. Your account fluctuated between a positive and negative balance for the next fourteen (14) days. The ending balance on November 22, 2016, was negative ($51.58). On November 23, 2016, a wire transfer posted to your checking account in the amount of $8,230.00. The wire was initiated by the [redacted]. As you mentioned in your complaint you had sold merchandise to their customer and the wire was payment for your merchandise. On November 30, 2016, [redacted] contacted Fifth Third Bank to alert the Bank that the transaction was under review. Our Bank Protection placed a hold on your account while they investigated the wire transfer. However, I have confirmed the Bank Protection Department has closed their investigation and the hold was released on January 4, 2017. [redacted], please be assured that we have fully researched your concerns and we believe that your issues were handled both appropriately and professionally in accordance with our Bank’s policies and procedures. If I could be of further assistance to you please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosures: Statements Overdraft Notices

[redacted] Date: July 5, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your checking account...

with Fifth Third Bank. We appreciate the time you have taken to document your thoughts and concerns regarding this matter On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that we have contacted the relevant parties to fully research your account and passed on your concerns. Our records indicate that your checking account became overdrawn on June 7, 2012. The account remained overdrawn and was charged off for $225.04 on August 2, 2012. I have enclosed the related checking account statements for your review. The charged off checking account was sold to a third party collection agency, [redacted], on April 1, 2013. [redacted] has since went out of business and may have sold the debt to another collection agency, which is why you’re likely receiving calls. Since we have sold this account and no longer own the debt, we are unable to stop the current collection activity. You may contact the collection agency to request a validation of the amount they are attempting to collect. In addition, you also reserve the right to send the collection agency that is contacting you a written request to cease and desist any future telephone calls regarding the outstanding debt. Please be aware that while they may no longer make telephone calls to you upon receipt of your written request to cease and desist, the third party may proceed with further collection efforts or a judgment as an industry practice. We have updated [redacted] to remove the reporting for this account. Please allow up to thirty (30) days for [redacted] to update their records. You may present this letter as proof of the update should you apply for credit within the next thirty (30) days. If you would like to contact [redacted] to confirm that our reporting has been removed, you may contact [redacted], on the Internet at www.consumerdebit.com, via telephone at ###-###-#### or by mail at: [redacted], Consumer Relations, and [redacted]. We appreciate your patience while waiting for a response. You are a valued customer and we hope you will allow Fifth Third Bank to service 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 Enclosure: checking account statements

[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] 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]

I have attached the response to the complaint filed by [redacted].The Revdex.com made us aware of your additional concerns, regardingyour checking account ending in [redacted]. We appreciate the time you have taken toexpress your thoughts and for bringing this matter to our attention. I confirmed that you submitted an application for your checking account online,and the account was opened and assigned to the [redacted] Centeron May 12, 2014. I apologize for my previous miscommunication. However, theinformation that explains the services and fees associated with the accountwould have been mailed to the address you provided at the time of theapplication. As stated in the letter sent to you on November 20, 2014, the account transactionslisted on www.53.com , are in numerical order of largest to smallest. Thisis to make account reconciliation straightforward for customers. Customers alsohave the ability to change the manner in which account transactions aredisplayed on www.53.com by clicking on the Date, Debit (-), Credit (+),Check, Description, or Balance tabs above the account transactions. Thetransaction order listed on www.53.comis not indicative of the order in which the account transactions wereprocessed. I apologize if you were not aware of this in advance.   Please note that the Bank processes transactions at the end of each business day and we do not process transactions on Saturday, Sunday or Federal Holidays.  Transactions that post toyour account are processed in the following order:        Credits and deposits made prior to the end ofday cutoff time (according to our Funds Availability Policy)·        ATM transactions and debit card transactionsin the order they took place        All other debits including checks, andelectronic bill payments, in the order of highest amount to lowest amount·        Fees and service charges in the order ofhighest amount to lowest amountPlease note that this posting order may change due to circumstances beyond the Bank’s control,such as changes or disruptions in network processing or processing delays by athird party. This posting order is thesame whether you accept or decline Overdraft Coverage for ATMtransactions and one-time debit card transactions. On behalf of the Bank, we would like to offer our sincere apologies for anyinconvenience or frustration this matter may have caused you. However, we standby the response conveyed to you in our previous letter sent to the aboveaddress on November 20, 2014. Our position on this matter has not changed. Ms. [redacted], it was certainly not our intention to cause you any hardship. Wesincerely hope this information will help you understand the Bank’s positiongoing forward and resolve your needs. If I could be of further assistance toyou, please call me at ###-###-#### or toll free at ###-###-####. Sincerely,[redacted] ConsumerResolution Specialist Officeof 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 only received a telephone call from Fifth Third Bank in which I answered it and it led to my actions sending in the payments I sent in. I received a letter dated for June 16, 2016 in which I responded to. I have received during the month of February 2016 two confirmation letters stating my number for contact, which is my cell number. I had no missed calls or messages from Fifth Third Bank regarding any matter. I have only received a letter recently regarding this issue, from Fifth Third Bank mentioning of a [redacted] to whom I have no clue is. All my busy has been with Fifth Third Bank regarding my mortgage. The allegations that Fifth Third Bank has made here concerning this issue for the communication we have had is incorrect.Regards,
[redacted]

[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: 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

[redacted] 
[redacted] 
[redacted] Date: September 21, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding...

your checking account ending in [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. We are very sorry if our attempts to explain the Overdraft Coverage policy during your telephone calls with our Consumer Contact Center did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter may have caused you. We strive to offer our customers products that are convenient and beneficial while remaining competitive within the industry. Some checking accounts have Overdraft Coverage, which can allow a customer to complete a transaction even if there are insufficient available funds in the account to cover the full amount of the transaction. This is not the same as having overdraft protection. When an account has be setup with overdraft protection, the available funds will automatically transfer from the connected account to attempt to bring the overdrawn account to a zero balance. Our records show that you have a Basic Checking account, and this product does not offer overdraft coverage. Any debit card purchases and (ATM) withdrawals are declined when there is not enough money in your account at the time of the transaction. Similarly, if there are insufficient funds in your account when payments are processed, your checks and other payments will be returned unpaid. However, ACH (Automated Clearing House) payments or check items are still subject to overdraft fees. On August 31, 2015, the balance in your checking account was $20.76. One (1) web initiated payment for Paypal totaling $28.75 posted to the account that day, creating an ending balance of negative ($7.99). Although you had overdraft protection at this time, there were insufficient available funds in your savings account ending in 6369 to cover the item presented for payment. Due to non sufficient funds the item was returned unpaid and one (1) overdraft fee totaling $37.00 was assessed. The ending balance was negative ($16.24). An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fee assessed. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. In the interest of customer service, we waived the overdraft fee of $37.00 on September 21, 2015. To prevent an overdraft situation, you have the ability to review your account at an ATM (Automated Teller Machine), on our website at www.53.com, or by calling our Customer Service Department at ###-###-####. If the account becomes overdrawn, we also send you an overdraft notice that includes a detailed breakdown of the day’s transactions. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions. This guide provides additional information related to the overdraft fees that we assessed to your account. We also offer ways to track your balance and manage accounts to help avoid overdraft fees on your accounts in the future. We sincerely hope this information will help you understand the Bank’s position going forward and resolve your needs. If I could be of further assistance to you, please call me at [redacted] or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President Pc: Revdex.com Enclosures: Overdraft Notice and Overdraft Solutions

[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

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 known on quite a few occasions for Fifth Third to take at least a week to process my payments, despite your claim. Since your telephone calls are recorded, I am sure it would be quite easy to pull up one where your representatives state that it takes at least 3-5 business days for payments to even be processed by your financial department. Btw, why is it that your computer system cannot show someone from customer service that my payment at least has been received?? I never have this problem with [redacted]....all which seem to more technlogically savvier than your company apparently.Once it is figured out who cashed my money order, I will inform you immediately.
Regards,
[redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
I want to know what I should do to take this up. Fifth third bank is out to take money from their customers. I want to put an end to this mess. They are close to a scam. Please let me know my options.
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: 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