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Fifth Third Bank

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Reviews Bank Fifth Third Bank

Fifth Third Bank Reviews (1358)

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

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

October 3, 2014
[redacted]
Re: Mortgage loan xxxxxx[redacted]
Dear Ms. [redacted],
We received a copy of your complaint filed with
the Revdex.com regarding your mortgage loan 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
frustration you experienced regarding this matter.
In
response to your concerns regarding setting up the escrow account for your new
loan, when the Bank refinances
a mortgage loan and an escrow account is not required, we are able to set up an
escrow account when the customer sends us their tax and insurance bills.
Alternatively, the loan officer can ask the Bank to establish the new escrow
account by using the tax and insurance amounts from the old loan. Contrary to the
information you were provided by the Bank, we
do not require the customer to receive the escrow refund from the previous loan
before we can establish an escrow account on the new loan.
Additionally,
as far as the payment of tax or insurance bills, even if the bills are sent
directly to the Bank, the Bank does not
pay tax or insurance bills that are due in the same month that the escrow
account is being established or bills due before the new escrow account is set
up. Therefore, the customer is responsible for making those payments and if the
taxes become delinquent, the customer is responsible for any related penalties
that may be assessed. When we initially submitted your request for a refund of
the tax penalty, our Escrow Department confirmed that Bank policy was followed
with regard to not paying the tax bill that we received because there was no
escrow account established at that time. I apologize for the inconvenience and
concern this caused you.
We have confirmed that the information about
reestablishing your escrow account on the new mortgage loan was not relayed to
you appropriately during your mortgage refinance. We appreciate that you have
chosen Fifth Third Bank to service your financial needs and I regret any
misinformation that was provided to you. Please be assured that Financial
Center Manager, [redacted], has processed a refund for the $[redacted] tax penalty
that we paid out of your escrow account. The $[redacted] was credited to your
checking account on September 12, 2014.
During an escrow analysis, we calculate how much
money would need to be paid into the escrow account each month to cover all of
the payments that would come out of your escrow account. We also take into
account the fact that the balance in your escrow account cannot fall below a
minimum balance amount at any point during the year. This minimum balance
amount, as allowed for by the Real Estate Settlement Procedures Act (RESPA), is
the equivalent of two (2) month’s worth of escrow. We maintain a minimum
balance in your escrow account in order to cover unexpected tax or insurance
increases or other unexpected costs. Page two (2) of the enclosed August 2014
escrow analysis provides additional information regarding the minimum balance
as well as the estimated payments in and out of your escrow account.
We originally completed your first (1st)
escrow analysis for the new mortgage loan in June 2014. However, as a result of
making an extra payment out of the escrow account for the delinquent taxes, we
completed a new escrow analysis on August 22, 2014. This analysis reviewed the
projected payments out of your escrow account from October 2014 to September
2015. This analysis determined that in addition to the taxes and home owner’s
insurance that we had already paid, we would
also pay another two (2) installments of $[redacted] for your taxes and another
home owner’s insurance payment of [redacted] during the specified time frame.
During the August 2014
analysis, we calculated that the total payments that would be paid from your
escrow account between October 2014 and September 2015 were $[redacted]. To
determine the base monthly escrow payment that we use to calculate whether
there is an escrow shortage or an escrow surplus, we divide the total payments
from escrow by twelve ([redacted]. Using this method, we calculated that you had a
base escrow payment of $[redacted]. Therefore, we calculated that your minimum
escrow balance could not fall below $[redacted] at any time during the year. We
determined that in order to make all of the requested payments from escrow
while maintaining the minimum escrow balance of $[redacted], we would need a
monthly escrow payment of $[redacted]. The difference between the $[redacted] monthly
base escrow payment and the needed $[redacted] monthly escrow payment is $[redacted].
This meant that there was an escrow shortage $[redacted] per month for a total
escrow shortage of $[redacted]. Please note that this additional shortage was the
result of paying the delinquent taxes from the escrow account. Paying the
delinquent taxes resulted in the Bank paying three (3) tax payments instead of
two (2). Additionally, the escrow was reanalyzed for the next twelve (12)
months, during which time another home owner’s insurance bill would be due. If
you did not pay the shortage in full then we indicated we would spread the
$[redacted] shortage over the next twelve (12) months. Spreading out the shortage
would result in a monthly mortgage payment of $[redacted] effective on October 1,
2014. This amount included your $[redacted] principal and interest payment and a
$[redacted] escrow payment. If you paid the $[redacted] shortage by September 1, 2014,
then your monthly mortgage payment would be $[redacted] effective on October 1,
2014. This amount included your $[redacted] principal and interest payment and a
$[redacted] escrow payment.
Please note that your Easy Home Refi mortgage
has a shorter repayment term than the mortgage you originally opened in 2007.
The original mortgage loan ending in [redacted] was opened on August 27, 2007, for
$[redacted] with a maturity date of September 1, 2037 and an interest rate of
[redacted] percent ([redacted]%). The monthly principal and interest
payment for that mortgage was $[redacted]. Your new Easy Home Refi has a fifteen
(15) year repayment term. Your new mortgage loan ending in 7435 was booked on
May 19, 2014, for $[redacted] with a maturity date of June 1, 2029 and an
interest rate of three point seven four zero percent ([redacted]%). The monthly
principal and interest payment for this mortgage as outlined in the enclosed
Note is $[redacted]. Due to the shorter repayment term, your monthly mortgage
payment now is larger than it was on your previous mortgage. This fact in
combination with the escrow analyses as explained above caused the total
monthly payment for the mortgage loan ending in [redacted] to be greater than the
mortgage loan ending in [redacted].
I confirmed that the escrow
account for your mortgage was closed at your request on September 5, 2014.
Enclosed is a copy of the letter that we mailed to you that day confirming the
escrow closure. The balance in your escrow account on that date was $[redacted]. On
September 5, 2014, these funds were mailed to you in the form of a check to the
address listed above. If you have not received this check, please contact me
directly using the phone number listed below. Because the escrow account has
now been closed, your monthly mortgage payment is the principal and interest
payment of $[redacted]. The Bank is no longer paying your tax and insurance
obligations; therefore, you are responsible for paying the bills on your own.
Please note that if we receive notification in the future that the tax and
insurance obligations are not being paid, the Bank may force an escrow account
for the mortgage loan. If you would like to add escrow back to your mortgage
account in the future, please contact our Customer Service Department at [redacted]. We will complete a new escrow analysis at that time which will advise
you of the new monthly mortgage payment. We can also make any adjustments
regarding where your tax bills are sent at that time.
In your letter dated September 3, 2014, you
mentioned that we paid Private Mortgage Insurance (PMI) for your previous
mortgage loan ending in [redacted] after the mortgage was paid in full on May 23,
2014. Please be advised that PMI is paid on mortgage loans in arrears. The PMI
payment of $[redacted] that processed on May 28, 2014, covered the PMI that was due
for the month of May 2014, during which time your mortgage loan was still open.
Your comments regarding customer service are
very concerning and have been forwarded to the appropriate personnel for
review. We expect that each customer will receive quality service and accurate
information, and I regret that was not your experience. I understand that you spoke
to Mr. [redacted] on September 12, 2014, regarding your concerns. I also understand
he offered to go over the projected escrow analysis with you in person as well
as offered to open a savings account for you to save money monthly to go toward
your tax and insurance obligations. Mr. [redacted] has advised that you declined
both of these options. If you would later like to accept either of these
offers, please contact Mr. [redacted] directly at [redacted]. Alternatively,
you may contact me directly using the phone number listed below.
We appreciate your patience while we researched this matter and we
value your business. If I can be of any further assistance, please contact me
at [redacted], or toll free at [redacted].
 
Sincerely,
[redacted]
Consumer
Resolution Specialist Office of the President
Pc: Revdex.com
Enclosures:
Escrow Analyses, Escrow Closed Letter

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]

[redacted] 989 Deer Crossing Way Lexington KY 40509 Date: January 20, 2017 Account: [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacte... Your Identity Theft Claim Dear [redacted]: We received...

a copy of the complaint you submitted to the Revdex.com regarding your identity theft claim in relation to several Fifth Third Bank accounts opened in your name. We appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. To maintain the security of your personal and account information, I am sending this letter to the address we currently have on record for you. I noticed that the address you use in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your complaint. I encourage you to call customer service to make sure your contact information is properly updated. Customer service can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. Our Disputes Resolution Department and Bank Protection Department have investigated identity theft claims for the credit card accounts ending in [redacted], and the installment loan ending in [redacted]. The claim for the account ending in [redacted] was approved. However, the claims for the account ending in [redacted] and the loan ending in [redacted] were denied because they determined that you had conducted the transactions. Our Disputes Resolution Department and Bank Protection Department have stated that you have not yet provided a copy of a police report showing that you were the victim of identity theft in relation to these accounts. In order to further investigate this matter, we will need you to provide us with a copy of the police report you filed. You may send this document 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 this document to my attention at ###-###-####. Once we receive the requested documentation, we can further investigate this matter. Additionally, we show that there were multiple checking accounts opened in your name that have been charged off: [redacted] Opened 07/19/07 [redacted] Opened 07/19/07 [redacted] Opened 01/09/08 [redacted] Opened 05/16/15 You state in your complaint that all accounts with Fifth Third Bank were opened fraudulently. Please be sure that the police report you send to us reflects this information. 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

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]

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 have received a letter from Fifth Third that my credit for this claim has been approved. Thank you.
Regards,
[redacted]

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 13, 2017 Account: [redacted] Regarding Your Recent ATM Withdrawal Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your...

recent ATM withdrawal. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. I also want to thank you for taking the time to speak to me on January 5, 2017. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We strive to provide exceptional service each time you visit one of our banking centers, and I am sorry that was not your experience. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. After reviewing your checking account ending in [redacted], we waived fees totaling $6.75 in the interest of customer service. The fee waivers posted to your account on January 5, 2017. We were unable to waive the fee of $3.00 you incurred by the owner of the ATM (Automated Teller Machine) because it was not assessed to by Fifth Third Bank. So, in lieu of waiving the $3.00 fee, we waived a cashier check fee of $4.00 in addition to the ATM fee of $2.75 that you incurred by Fifth Third Bank. Please be aware that we cannot guarantee that an ATM will be operational at all times, and future non-Fifth Third Bank fees may not be waived. You also mentioned during our telephone conversation that you sent a message to the Bank regarding the ATM fees assessed to your account. However, in conducting our research, we were unable to locate any messages received from you. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] Date: 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] 
[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

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]

[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: 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

Please see the attached response and enclosures. Copies of the customer's bank statements will also be included in the response. Thank You.[redacted] [redacted] [redacted] Date: January 3, 2017 Account: [redacted] Regarding Your Fifth Third...

Bank 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 concerns. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to assist you. The Fifth Third Essential Checking account has an $11.00 monthly service charge. The $11.00 monthly service charge is reduced to $8.00 per month with monthly direct deposits totaling $500.00 or more. The charge can be avoided entirely if: * You maintain a total combined monthly average balance of $1,500.00 across your checking and savings accounts; * Or, you spend at least $500 per month on a Fifth Third credit card; * Or, you have any existing Fifth Third personal mortgage, auto loan, or line of credit with an outstanding balance; * Or, you are a current or former U.S. military member with monthly direct deposits totaling $500.00 or more; * Or, you participate in your employer’s Fifth Third banking benefits program with monthly direct deposits totaling $500.00 or more; * Or, you are a student with a valid student ID; * Or, you have a Business Premium or Business Elite Checking account and have completed a relationship consent form. This information is available on our website, 53.com, and in the printed product brochures. I have enclosed a copy of the Fifth Third Essential Checking brochure for your reference. Your checking account ending in [redacted] was opened on September 30, 2016. There was no monthly service charge assessed on your statement dated October 17, 2016, because your other checking account ending in [redacted] was still open, which is noted on your statement. There was an $8.00 monthly service charge assessed on the November and December statements because the criteria needed to earn out of the fee (which are listed on your statements) was not met. I have enclosed copies of your statements for your reference. Your previous checking account ending in [redacted] was also an Essential Checking Account; however, it was not assessed a monthly service charge because [redacted] was listed as the custodian for you. No monthly service charge is assessed when the owners of the account are a custodian and a beneficiary. The monthly service charge portion of your statements captures this account status with the words: “Special Program.” While the checking account ending in [redacted] was still open, its “Special Program” status prevented the monthly service charge from being assessed on the new account also. Because it was closed at a zero (0) balance on November 7, 2016, the new account is now reviewed by itself. It is not our intention to cause you any hardship. November’s $8.00 monthly service charge was waived on November 19, 2016. In appreciation of your banking relationship with us, I waived December’s $8.00 monthly service charge from your December statement. I hope this provides a positive resolution to your concerns. To avoid future monthly service charges, you may wish to open a Fifth Third Express Banking account. This account has no monthly service charge, balance requirements, or overdraft fees. Your existing account type (Essential) cannot be changed to the Express Banking account type. A new account with a new account number is required. I have enclosed a product brochure for your convenience. You can open an account online at 53.com or at a Financial Center. I noticed that you also use our Access 360° Reloadable Prepaid Card. You could choose to have your direct deposit go directly to the card, which would allow you to close the checking account and avoid its monthly service fee. You can get more information on this at a local Financial Center, or by calling the dedicated Customer Service Department for the Access 360° Reloadable Prepaid Card toll-free at ###-###-####. They are open 24-hours a day, seven (7) days a week. I apologize for any inconvenience this matter caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com Enclosure: Product brochures; Statements Attachments:

[redacted] Date: October 19, 2016 Regarding Your Recent Mortgage Loan Applications Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your recent mortgage...

loan applications. We appreciate the time you have taken to express your concerns and for bringing this matter to our attention. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On June 2, 2016, Michael R., Mortgage Loan Originator, submitted your mortgage application for a purchase. There were a number of issues which caused delays in the application process. The loan sat in a pending state until July 5, 2016, when you provided the requested documents (i.e. tax returns) to the mortgage loan originator. During this period of time, Mr. R. was contacted by the mortgage loan processor requesting updates on the necessary documents. The sales contract received from you was not dated, which caused a delay in the ordering of an appraisal. In the commitment letter sent to you on July 18, 2016, you were provided stipulations necessary for a full approval of your mortgage application. One of the conditions was verification of the earnest money paid to the seller in March 2013. The initial appraiser assigned to this application could not complete their report because of the Bank not receiving the sales contract. Upon receipt of the sales contract, a new appraisal company was hired to perform a new appraisal. It should be noted the Bank was informed that the original appraiser was not available at the time of the Bank’s second request. On September 7, 2016, the Bank received the appraisal report which indicated repairs were needed prior to clearing the collateral and the application. The repairs were “Prep and paint flaking surfaces on the exterior”, and because the property was built prior to 1978, there was the possibility of lead paint. The locations needing repair were the windows, trim and the exterior siding in certain areas. Also, because this application was entered as a purchase, a new application was needed to refinance the land contract. I have enclosed a copy of the appraisal for your records. On September 8, 2016, Michael R. entered a new application to refinance the land contract. It should be noted, as of September 20, 2016, Mr. R. no longer worked for the Bank. Between September 8, 2016 and September 26, 2016, the application was pending your submission of the requested documents. All the supporting documentation was received by the Bank on October 3, 2016. On October 3, 2016, the refinance was given a conditional approval. On October 6, 2016, the mortgage processor contacted you regarding what was needed for the loan. You informed the processor that all documents had been supplied to Mr. R.. The processor contacted Brian S., Area Sales Manager who advised that he had two (2) conversations with you and that you no longer wanted to proceed with the loan. On October 6, 2016, the refinance application was closed. We appreciate your patience while we researched this matter. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Appraisal, Commitment Letter dated July 18, 2016

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. 
Although I received a 360 card on the 21st I drove 3 hrs to get it and I also sent a copy of the utilities shut off dated 8 20 as requested. No there is not a decline from the utility company because I use foreign atms withdraw money and pay cash which your agent actions prohibited me from doing so so you are directly responsible because I had no access to my funds.
Regards,
[redacted]

[redacted] Date: September 19, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your additional rebuttal filed with the Revdex.com regarding your vehicle loan. We have reviewed your continued concerns. As advised in our previous responses, 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 comprehensive 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, [redacted], once again to request that she provide us with proof of comprehensive coverage. I contacted [redacted] by telephone on August 26, 2016. I advised her that we had not received a copy of the Declaration page from your insurance policy to show proof of insurance on your vehicle that is held for collateral on your installment loan. She shared that she was going to review your insurance policy again and if you had comprehensive insurance coverage, she would fax to me directly the Declaration page from your policy. I provided [redacted] with my direct fax number, ###-###-####. I did not receive a fax from your insurance agent, nor did I receive a call back from her in the days to follow. I contacted her office again on August 30, 2016, and left a message requesting that she contact me back regarding this matter. As of today, she has not returned my phone call. Our response on this matter has not changed. In order for us to continue the research into this matter, we will need to be provided with the Declaration page from your insurance policy that shows that you had comprehensive coverage on your vehicle. Until we receive this requested documentation, we will consider this issue closed and no longer respond to you regarding his matter. We appreciate the opportunity to review this matter. 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 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.  For your reference, details of the offer I reviewed appear below.
The ten day period that I spoke of was validated in the business response. It is referred as a grace period by the company in this response. What does a grace period mean? The whole concept of the due date is an agreed upon date that the payment would be in (nothing else). They are unknowingly explaining how they are breaching the contract when they said they are giving me a ten day grace period to get the payment in. Validating that they have breached the contract. I as a consumer before only have the information that the representatives and bills have led me to believe. Until this incident, the few times when representatives have talked to me something wasn't considered past due until I reached the ten day mark. Almost identically to the adjusted way they are defending themselves in their response. In the payment history they were nice enough to present, it shows that I made the first late payment in before the second payment reached its ten day grace period (As they stated) for being late. Businesses can't just do whatever they want and have someone just try to manipulate and explain it away to justify it. If all of these definitions are not what is generally represented by the company before contracts are signed, they should be detailed explicitly in the contract. The following is just one of approximately all of the definitions for a grace period on the open internet:  "A provision in most loan and insurance contracts which allows payment to be received for a certain period of time after the actual due date. During this period no late fees will be charged, and the late payment will not result in default or cancellation of the loan." Additionally, an alternate one which also exemplifies almost every definition on the internet relevant to the defense they are making. "A period after a due date or deadline during which an obligation ma... their own response they are stating they are wrong. Am I supposed to interpret their definition of a grace period any different than the rest of society? They have clarified before this incident ensuring me that that ten day period is exactly as these definitions state and their representative verified this in his response. You can't call something a house and then back peddle when something goes wrong and say that you only meant the kitchen part of the house. They are only referencing part of the definition that benefits them at this moment. This will go to court if they do not correct it. I will not let them do this to anyone else.
Regards,
[redacted]

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

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