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Reviews Bank Fifth Third Bank

Fifth Third Bank Reviews (1358)

[redacted] Date: October 28, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com concerning your installment loan. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On September 4, 2015, we received a payment in the amount of $12,491.72 that served as the full payoff of your installment loan. We have confirmed that your installment loan was paid off and closed on September 8, 2015. You should have received our notification letter confirming that your loan has been paid off and closed with a zero balance owed. On September 22, 2015, a check in the amount of $402.76 was mailed to you for the balance that remained after your installment loan was paid off due to an overpayment. Our records indicate that you cashed this check on September 29, 2015. According to your complaint, a second payment of $400.00 was made to your installment loan after the loan was paid off. Our Installment Loan Department reviewed your loan and could only locate the payment of $400.00 that posted to your loan on September 2, 2015. If a payment is received after a loan has been closed, the payment will be rejected and sent back to the issuing bank. We regret any frustration this may have caused you, but we will be unwilling to credit you for the additional $60.00 that you have requested. We appreciate the opportunity to further research this matter. We truly valued your business, and we hope you will allow Fifth Third Bank to service your financial needs in the future. If I may be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com

[redacted] Date: February 13, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com...

regarding your Fifth Third Bank Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Per your request, we closed your Essential Checking account ending in [redacted] with a zero ($0.00) balance on February 7, 2017. I am sorry that it was not closed upon your initial request. I hope this letter meets your satisfaction and resolves your needs. 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 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]

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 just received an email from the Revdex.com closing the file on 53rd Bank. I've been having problems with my computer, so I didn't get a chance to respond in the time allowed.  I did call the Revdex.com to see what the status of the claim was prior to this notice. They told me they contacted 53rd twice to get a response.  I finally received a letter from 53rd bank last week. Needless to say, I was very disappointed with the letter 53rd sent me. The bottom line is, iIt took them 4 months to tell me I didn't qualify for a home loan.  There is no excuse for that. I put alot of money in this loan.  They led me to believe the loan would go through.  Otherwise, I wouldn't of spent the money I did.  I also  had 3k in Earnest Money. I almost lost that too. I had to get an extension after extension for this loan. Never got returned phone calls from them.  Contacted managers, supervisors, even went up to the head of the morgage department, and finally got someone to finallize the loan. The bottom line is, 53rd bank doesn't care about their customers at all. The loan was transfered to 3 - 4 different loan officers. I hope you will give me a chance to continue the effort in getting this resolved.  Please don't close the case.
Regards,
[redacted]

[redacted]Date: April 29, 2016Account       [redacted]Regarding Mobile Text AlertsDear
[redacted]:We received a copy of the complaint you filed with the RevDex.com concerning mobile text alerts for your...

Business Basic checking
account.On behalf of the Bank, I apologize for the difficulties you have
experienced. It was certainly not our intention to cause you any undue hardship
or frustration. Please be advised that the alerts are intended to be used as a
courtesy communication, and the delivery timeframe may be after the event has
occurred rather than at the time of the occurrence. I have included a copy of
the terms and the conditions for both online banking and the mobile text alerts
for your convenience.A review of the alerts you have set up for your account confirmed
that the alerts are working accurately and as intended. Currently, your alerts
are set to notify you if your balance is below $25.00, ATM transaction, debit
card transactions for purchases made at gas stations, international purchases,
online and phone or mail purchases.The low balance alert is intended to provide notice of your
balance based on items posted to your account and cannot alert for pending
transactions. You may want to consider modifying your low balance amount, to
allow you the chance to make a deposit or transfer funds to avoid an overdraft.
We also recommend that you check your account balance regularly to verify your
available balance and pending items against items you have authorized that are
not yet showing (i.e. checks you have written).If an account becomes overdrawn, we assess an overdraft fee for
each item that posts while the account has a negative balance. The Bank
processes transactions at the end of each business day, and per our Rules and
Regulations, the transactions that post to your account are processed in the
following order:Credits and deposits made prior to the end of day cutoff timeATM and debit card transactions in the order they took placeAll other debits, including checks and electronic bill payments, in the order of highest to lowest amountFees and service chargesDebit card and ATM transactions will reflect against your
available balance immediately. Checks and electronic bill payments are
processed at the end of each business day and will not show as pending on your
account during the day.I have reviewed the overdrafts you mention from December 16,
2015, February 7, 2016, and April 18, 2016.Per the overdraft notice sent to you on December 16, 2015, your balance would have reflected negative, once the last transaction at [redacted] was showing on your account, the time stamp shows that this was completed at 4:43 PM.The overdraft notice from February 8, 2016, indicated that the overdraft occurred when check number [redacted] in the amount of $38.50 posted to the account at the end of the business day. The negative balance would not have been visible on your account until the next day.The overdraft notice sent on April 19, 2016, shows the balance was negative with a [redacted] purchase, which was completed at 2:12 PM and was further negative with a [redacted]purchase
at 4:58 PM.For each occurrence, funds deposited at a banking center prior
to closing, transferred online before 9 PM EST, or deposited at a Fifth Third
ATM prior to 7 PM EST would have avoided the overdrafts and associated fees. I
have included a copy of each of the overdraft notices for your convenience.We strive to provide professional and accurate information to
our customers and I apologize if this has not been your experience. As a
courtesy we have waived $74 of your overdraft fees at your request. Please be
advised per bank policy no further overdraft fees may be able to be waived,
unless the overdraft fees are caused by fraud or bank error.We appreciate your patience while we researched this matter. You
are a valued customer and we look forward to serving your financial needs in
the future. If I can 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,Shannon K.Office of the PresidentEnclosures: Online Banking Terms and Conditions, Mobile Text
Alerts Terms and Conditions, Overdraft Statements

Hello,
We received the attached rebuttal from Mr. [redacted] regarding his brokerage account with Fifth Third Securities.
The rebuttal does not provide any new information from the customer. Our representatives from Fifth Third Securities have spoken to this customer on the telephone numerous times and  are considering this particular matter closed unless the customer can provide additional information.
[redacted]| Fifth Third Bank 
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. They haven't changed anything or admitted  that my father gave them the correct information and the in put the wrong information.
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: July 13, 2016 Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Checking and Savings Accounts Dear [redacted]: We received a copy of your complaint filed...

with the Revdex.com (Revdex.com) regarding your checking and savings accounts. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On May 6, 2016, you called our Customer Service Department and spoke to a representative named Robin. You told Robin that you had one (1) checking account and three (3) savings accounts that you had not used for a year and you wanted to close them. Robyn explained that the accounts have to have a zero (0) balance to be closed. She verified that you do not live near any Fifth Third Bank locations. She advised she could send you a closure request form and that we would close the accounts specified after receiving the form back. We would also send a cashier’s check to you for the balance in your accounts. You agreed to this process and Robyn sent the form to you using the address you verified was correct. I was unable to locate record of a previous attempt to close your accounts with the Bank. I was also unable to locate record of additional conversations with our Customer Service Department after May 6, 2016. I am sorry for any distress this may cause you. Personal Banker Odette O. closed your savings accounts ending in [redacted], and [redacted] on June 20, 2016. I confirmed that she closed the accounts per the closure request form that you submitted to the Bank. Ms. O. transferred funds totaling $3.96 from your savings accounts to the checking account. The balance in your checking account increased to $38.70. Ms. O. issued a $38.70 check to your address listed above. If you have not received this check, please contact me directly using my phone number listed below. Ms. O. advised she closed your three (3) savings accounts as well as your checking account that day. However, a review of your checking account does not show an attempt to close the account on June 20, 2016. After the cashier’s check was issued, the balance in your checking account was zero (0). The $11.00 monthly service charge for the checking account processed that day, which resulted in an ending balance of negative ($11.00). The checking account remained open with a negative ($11.00) balance. No additional fees were assessed. Personal Banker Carlos R. advised you called his banking center on June 28, 2016, regarding your accounts. You told Mr. R. that you had been attempting to close the accounts for a long time and you were previously told they were closed. However, your checking account reflected as open with a negative balance. Mr. R. waived the $11.00 monthly service charge and closed your account that day. As of June 28, 2016, you no longer have any open accounts with Fifth Third Bank. [redacted], I am very sorry that your checking account was not closed the same day as your savings accounts. Please be assured that I have contacted the relevant Bank personnel regarding this matter. I also appreciate your feedback to the Bank regarding the difficulties you experienced as it assists us to identify problems so we can improve the level of service we provide to our customers. Your complaint indicated you requested to close your accounts on multiple occasions and because the checking account was not closed, you continued to have $11.00 monthly service charges assessed to your checking account. I was unable to locate a request to close your accounts prior to May 6, 2016. There was an $11.00 monthly service charge assessed on May 18, 2016, and another $11.00 monthly service charge assessed on June 20, 2016. The $11.00 service charge from June 20, 2016, was waived off the account. If you are able to provide additional information, such as the names of the people you spoke to or the dates you spoke to them, I would be happy to further research your concerns. 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

[redacted]
[redacted]
[redacted]   Date:                           June 15, 2015...

                                        ...   Regarding Your Installment Loan Account     Dear [redacted]:     We received a copy of your complaint filed with the Revdex.com, concerning your installment loan payoff. We appreciate the time you have taken to submit your request.   On behalf of the Bank, please accept my sincere apologies for any inconvenience these matters may have caused you. We strive to provide professional and accurate service to our customers in as timely a manner as possible and we sympathize with the difficulties you encountered with your installment loan.   Installment loans are simple interest loans. This means that each day the interest due on the current principal balance is calculated and that amount is added to the interest due for your installment loan.  Funds received from your monthly payment are first applied to the interest that has accrued since your last payment, and the remaining funds are applied toward principal balance on the installment loan.   The coupon books that the Bank provides to customers include one coupon less than the number of payments for the loan; the last coupon in the booklet states to call the Bank to determine the amount of the final payment.  Since the date that your payment posts to the installment loan effects the amount that is applied toward payment of interest and thus the principal balance, the final payment for your installment loan may need to be adjusted to satisfy the loan.  The payoff amount due for your installment loan would be affected by the following:   Payments made later than the due date (even if within the grace period) Extensions or Skip-a-Pays Pre-payment penalties Late Charges  Your installment loan ending in 7690 originated on October 17, 2009, in the amount of $14,065.25 for a term of sixty-six (66) months. The maturity date for your installment loan is June 20, 2015. Per your request, I have enclosed a copy of the installment loan note and payment history.    You chose to complete a delinquency extension with our Collection Department on March 21, 2011. The delinquency extension removes the requirement to send a payment that month by placing it at the end of the loan. However, it does not stop interest from accumulating on the principal balance that would have been paid with that payment.  Because of the increased amount of interest, the principal balance remains slightly higher over the remaining period of the loan.  This will result in a larger amount required for the final payment.   As of June 15, 2015, the payoff for your installment loan is $428.30. The per diem or amount of interest assessed per day is $0.11. The title for your vehicle will be mailed to the address on file in ten (10) business days after the installment loan has been paid in full.    If you believe that you are experiencing a financial hardship due to your installment loan at this time, you may apply for financial assistance. You may contact our Loss Mitigation Department for an available specialist at ###-###-####, option 4, Monday thru Friday from 8:00 AM until 5:00 PM EST (Eastern Standard Time).   Your feedback is important to us, so that we can better understand how we can improve our service to you. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction.   We hope this correspondence will help you understand Fifth Third Bank’s position going forward. We appreciate your patience while we researched your request. If I could be of further assistance to you please call me directly at ###-###-####, or toll free at ###-###-####.    Sincerely,  [redacted] Office of the President  Pc: Revdex.com Enclosures (2): Note and Payment History

As a follow-up to our other emails related to this complaint, we have fully responded in writing and the customer is welcome to contact her Financial Center to discuss possible solutions. There is nothing further I can add.  Let me know if this is sufficient to close the case on your end.   Thank you,Alison S.Customer Care Team SpecialistFifth Third Bank | Office of the PresidentPhone: ###-###-####

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
The agent has made several attempts to contact her. She refuses to respond or return phone calls to [redacted] and has made up her mind to steal customers hard earned money after she was provided with the declaration page [redacted] personally created per her specific absurd requests. Once again it was a typed declaration page due to computer error on [redacted]'s end for the month of March and April 2016 that they can not change or alter because fifth Third Bank is well aware that this would be considered insurance FRAUD! She has the declaration page WITH my deductible amounts and coverages which are well above state minimum provided to her just as requested. I'm just glad and appreciative to Better Business Burea to have let this play out in their public forum for potential future customers to witness the wrong doings, negligence, and plain ignorance displayed by Fifth Third Bank throughout this entire complaint! I grant Better Business Burea the right to publish the documents and letter by [redacted] with personal information such as account numbers blacked out. 
Regards,
[redacted]

[redacted] Date: April 28, 2017 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to hear...

about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. To prevent an overdraft situation, you can review your account at an ATM (Automated Teller Machine), on our website at 53.com, through mobile banking, or by calling our Customer Service Department at ###-###-####. Our toll-free Telephone Banking system is available twenty-four (24) hours and Customer Service Representatives can be contacted at the same telephone number and are available Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m. ET. You are currently opted-in to Overdraft Coverage, which allows ATM and debit card transactions to be made even if you don’t have enough money in your account. You have the option of opting-out of Overdraft Coverage for ATM transactions and one-time Debit Card purchases. If you opt-out and attempt to authorize your card for an amount more than the balance in your account, the transaction will be immediately declined and you will not be assessed overdraft fees for these types of transactions. However, if the Bank is presented with checks, online bill payments, and Automatic Clearing House (ACH) items, we are obligated to make a decision on whether to pay or decline an item, which may cause either an overdraft fee or a return item fee. Customers can change their Overdraft Coverage preference at any time by visiting a Financial Center, online at our website 53.com, or by calling ###-###-####. Overdraft fees are assessed for items that posts while the account is overdrawn. We do not assess overdraft fees on pending transactions and per item overdraft fees will not be assessed if your account is overdrawn by $5.00 or less. Overdraft or return item fees post the next business day after the debits that contributed to the overdraft. An overdraft notice that includes a detailed breakdown of the day’s transactions is generated and sent to the address on file. On April 10, 2017, the beginning balance in your checking account was $358.87. Sixteen (16) debits totaling $616.21 posted to the account. Two (2) overdraft fees totaling $74.00 were charged to the account and they posted the following business day. The ending balance on April 10, 2017, was ($257.34). A cash deposit was made to the account on April 11, 2017, for $200.00. In addition, two (2) debit card purchases posted to the account on April 11. The deposit would not have prevented the already assessed overdraft fees from April 10 from posting to the account. Because the account was overdrawn on April 11, 2017 for ($142.28), the account was charged $74.00 in overdraft fees, which posted to the account on April 12, 2017. The account continued to carry a negative balance until your direct deposit on April 13, 2017. It is important to ensure your accounts have enough funds to cover all of the transactions you have authorized. As a courtesy to you, previous overdraft fees were waived on October 19, 2016, and February 22, 2017. We certainly sympathize with the difficulties you have encountered. In the interest of customer service, I credited your checking account for an additional $74.00 in overdraft fees on April 26, 2017. 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, Alison S.Office of the President Pc: Revdex.com

[redacted] Date: March 13, 2015 Account: [redacted] Re: Checking Account Overdraft Dear [redacted].: We received a copy of the complaint you recently filed with the Better Business...

Bureau. We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers' satisfaction. Fifth Third Bank processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order: Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability Policy.Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are received.All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount.Fees and service charges in the order of the largest amount to the smallest amount. I have enclosed a copy of our current Rules and Regulations for your review. Page twelve (12) provides additional information regarding our overdraft calculation order. On page eleven (11), paragraph thirteen (13), you will find additional information regarding an account overdraft. Fifth Third Bank, Member FDIC. "...\ Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service [redacted]s of Fifth Third Bancorp     On February 24, 2015, the beginning balance in your checking account was $148.89. Six (6) items posted to your account in the following order: Debit Card Purchase of $20.26Debit Card Purchase of $26.99Debit Card Purchase of $14.25Debit Card Purchase of $9.77Merchant Payment of $11.44Web Initiated Payment of $95.88 Due to insufficient funds, one (1) item resulted in the account overdraft, which resulted in one (1) overdraft fee of $37.00, which posted to your account the following day. The ending balance in your account on February 24, 2015, was negative ($66.70). I have enclosed a copy of the overdraft Notice that was sent to you on February 25, 2015, for your review. On February 25, 2015, we received your direct deposit in the amount of $544.79. The ending balance in your checking account on February 25, 2015, was positive $13.20. Please note as referenced in the Bank's Rules and Regulations, specifically on page twelve (12) that the Bank does not charge overdraft fees for items that are pending on your account. The representative named [redacted] that you spoke with when you called the Bank on February 25, 2015, reversed the overdraft fee of $37.00 on February 27, 2015. Please be aware that it is the Bank's policy not to reverse any overdraft fees except in the case of a Bank error. If we wish to reverse fees as a courtesy, we are only able to reverse a limited amount of fees within a specified period of time. The representative named Erika that you spoke with did provide you with accurate information concerning the Bank's policy regarding fee reversals. 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,   [redacted] Office of the President Pc: Revdex.com Enclosure: Rules and Regulations

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 faxed a copy of the check I sent the last week of May to Fifth Third after speaking to one of their representatives the week of the 15th. It was not posted to my account so I called to check on the manner. At this time I was the one who notified them of the error of another person's money being posted to my account. There are recordings to represent this conversation through fifth third. Also, it is my understanding according to the law, fifth third can not hold a Lien release after cashing the payoff check my bank sent them. They have cashed it. I have sent them a check in the mail for the "remaining balance" to keep my credit from being affected. I have A+ Credit with nothing to hide. I pay my bills. Please inquire about the recordings they have and the copy of the check I faxed  to 513-358-5477 with the reference number of 21816933. I also inquired about a name change considering my name was spelt wrong at the time and automatic payments. I was told on the 16th the copy of the check was not sufficient after being told it would be the prior date. My husband was told my a different represtative out check was returned. I verified this with my bank. Nothing was taking out of my account, which had 3000 in it at the time. I believe that was a sufficient amount to pay the bill. 
Regards,
[redacted]

October 20, 2014
[redacted]
 [redacted]
[redacted]
Re:[redacted]
Dear Mr. [redacted].,
We received copies of the
complaints you submitted to the Revdex.com and our Board of
Directors, regarding the state to state title transfer...

process for the vehicle
associated with your 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 matter 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.
Unfortunately, information
for your debit card ending in [redacted] has
been compromised due to the recent [redacted] data breach. Although no Fifth
Third Bank systems were compromised, your card account has been identified as
having a high likelihood for fraudulent activity as a result of this situation.
Fifth Third Bank takes every compromise seriously and will normally issue
replacement cards to protect our customers and minimize losses. Item number
three (3) in the enclosed Fifth Third Bank Debit Card Disclosure and Card
Agreement states that “We may cancel the card at any time
without notice. If we do so, all Users will surrender the Cards immediately upon our request or the request
of our agent. We reserve the right to refuse or terminate your use of the Card in our Sole discretion at any time.”
After further review and in
the interest of customer service, we will allow your debit card ending in[redacted]
to remain open. Therefore, a replacement card will not be issued for your
account. Please be aware that card compromises are serious and should not be
taken lightly. If you choose to keep this card open, you are assuming the risks
involved for any unauthorized charges that may occur.
Mr. [redacted]., please
be assured that it was not our intention to cause you any hardship and
frustration. You are a valued customer and we look forward to serving your
financial needs in the future. If I could be of further assistance to you,
please contact me directly at [redacted] or toll free at [redacted].
Sincerely,
[redacted]
Consumer Resolution Specialist Office of the President
Enclosure: Card agreement Pc: Revdex.com Pc: Board of
Directors

[redacted] Date: October 2, 2015 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com,...

concerning the difficulties you experienced in paying off your vehicle installment loan. We appreciate the opportunity to respond to your concerns regarding this matter. Your comments expressing less than quality customer service are very concerning. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. We sincerely value your feedback as it assists us in delivering first class customer service which is a priority to us. It is feedback like yours that helps us identify problems and improve the level of service we provide to our customers. Please be assured that the relevant parties have been contacted to express your dissatisfaction with the service you received. On June 3, 2015, you agreed to a seventy-two (72) month vehicle installment loan in the amount of $27,909.07 for your [redacted] with a monthly payment of $457.14 due on the third (3rd) of each month. We also confirmed that you agreed to purchase a [redacted] insurance policy for your installment loan. On September 24, 2015, we received a check from [redacted], your insurance company, in the amount of $25,077.82. On the date this payment was received, the balance owed on your vehicle loan was $27,213.05. Therefore, the payment from the insurance company was not sufficient to pay off your loan in full. A principal balance of $2,135.23 remained owed on the loan after the payment from your insurance company was received. Since your loan balance was not paid in full the loan remains open with a balance owed. The total loss of your vehicle did not exempt you from making the required monthly payments since we did not receive sufficient funds from your insurance company to pay off the loan. On September 3, 2015, the Bank received and posted a payment of $435.37 which satisfied your payment due on September 3, 2015. On September 9, 2015, this payment was reversed, because you had placed a stop payment on the [redacted]. According to the [redacted] policy agreement, your policy covered the difference between the financed balance on your loan contract and the vehicle’s actual cash value should it be deemed a total loss. However, this [redacted] policy does not include coverage for unearned finance charges, any past due payments, or penalty fees, including late charges, if remained unpaid on the loan. As of September 30, 2015, the Bank has not received a payment from your [redacted] insurance claim. Please note you may have a final payment due after your [redacted] insurance payment is received by the Bank. It is important that you cover the difference that your [redacted] insurance company is not willing to pay. Therefore, we are not willing to reimburse you or make any adjustments to your vehicle loan at this time. Although we sympathize with the difficulties you encountered after your accident, we believe our Total Loss Department has processed the payments received from your insurance company appropriately. If you have questions regarding your total loss claim, please contact the Plan Administrator. [redacted] can be contacted at ###-###-####. I have enclosed a copy of your signed Total Loss Protection Addendum for your convenience and records. It was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matter. You are a valued customer and we hope you will allow us to service you financial needs in the future. If I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President Pc: Revdex.com Enclosed: Total Loss Agreement

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.   
Several customer service agents advised me the hold would be lifted on 3/6. So did the social media representative and As well as the Revdex.com person from corporate. Now they're telling me 3/7. Conflicting information that I don't agree with. My rent and car payment are now going to be 7 days late. I am requesting $300 in compensation for late fees and emotion distress. If this is not met, I will file a law suit for millions of dollars due to emotional distress caused by this company. I left for vacation today and Have NO MONEY due to this company. I will make sure everyone I know never uses this company and if they do, I will make sure they close their account. I've worked for my employer for over 3 years. If you switch bank accounts, your first check is paper check and following checks are directly deposited. I am so stresssd out about this situation I couldn't even go to work on Monday, 2/27. 5/3 could have advised me of this when I deposited my check, but didn't. Just because I didn't deposit it at a financial institution doesn't mean you couldn't have it available as a notice on the app. Also, when I first deposited my money, $100 was avaolable. And then they took it back. FRAUD. Scam. Fraud. 
Regards,
[redacted]

November 20, 2014 
[redacted] 
[redacted] 
[redacted] 
Re:[redacted] 
Dear Ms. [redacted], 
We received a copy of the complaint you submitted to the Revdex.com, regarding the debit card 
associated with...

your checking 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. 
Unfortunately, information for your debit card ending in [redacted] has been compromised due to the recent Home 
Depot data breach. Although no Fifth Third Bank systems were compromised, your card account has been 
identified as having a high likelihood for fraudulent activity as a result of this situation. Fifth Third Bank takes 
every compromise seriously and will normally issue replacement cards to protect our customers and minimize 
losses. Item number [redacted] in the enclosed Fifth Third Bank Debit Card Disclosure and Card Agreement states 
that “We may cancel the card at any time without notice. If we do so, all Users will surrender the Cards 
immediately upon our request or the request of our agent. We reserve the right to refuse or terminate your use of 
the Card in our Sole discretion at any time.” 
It should be noted that your current debit card ending in [redacted], will be available to use through January 28, 2015. In 
the interest of customer service, we are willing to consider your request to maintain your current debit card. 
Therefore, please contact me at the telephone number shown below in order to further discuss and review this 
matter. 
However, please be aware that card compromises are serious and should not be taken lightly. If you choose to 
keep this card open, you are assuming the risks involved for any unauthorized charges that may occur. 
Ms. [redacted] , please be assured that it was not our intention to cause you any hardship and frustration. You are a 
valued customer and we look forward to serving your financial needs in the future. If I could be of further 
assistance to you, please contact me directly at [redacted]. 
Sincerely, 
[redacted] 
Consumer Resolution Specialist 
Office of the President 
Enclosure: Card agreement 
Pc: Revdex.com

September 12, 2016Fifth Third BankOffice of The President[redacted]I received these two letters in the mail today as I had seen them also as your response to the Revdex.com. They both do not address anything at all as far as questions that I have asked since your letter dated 8-17-2016.My response also today to the Revdex.com was non acceptance again due to the fact that all questions in regards to my dispute being denied have not been answered. As all I am being told is my dispute was denied based on my own information indicating that services were rendered. Yet from the beginning when I initiated the dispute on Sat. May 28, I have been saying the opposite. That is the reason for me filing the dispute in the first place.Also no response was ever received by [redacted]. My own details which very much indicate that [redacted] advertises Free Phone Consultations on her website. I did not ever do any business with her on her website but obtained her phone number.Yet during the free phone consultation she said that for $350 she could obtain the information as far as the reason that the place of business indicated was coming to the home on both 4-13-2016 and 5-25-2016.This information was not obtained at all and only texted that it was not. After being asked to call to get the information from the business, she then said that she would on Tues 5-31 and she would be in touch. And she was not. Again she has not responded to your request either. This alone indicates fraudulent activity and my own details cannot say otherwise since I am the one that had $350 taken from me as the service that we discussed during the free phone consultation that would cost $350 was not provided.As the information she told me was not relevant or even asked for by me, at all for her to obtain and I detailed what information she had indicated it would be $350 to obtain.Without her response to you at all, there is no possible way that you could determine especially from my own letter detailing my dispute that it would be denied. As to why you would have taken 90 days only indicates the need to wait for her to respond but my letter was sent in June detailing my dispute.If my letter in fact was confusing to your office. I should have been contacted for further details even by phone. Yet the timeframe of 90 days indicates that my letter was not the reason for the dispute being denied as I would have received a denial letter earlier than August 17, 2016.[redacted]Fifth Third Bank CustomerChecking Account- [redacted]cc: Revdex.com

October 31, 2014
[redacted]
[redacted]
[redacted]
 
Re:
Installment Loan[redacted]
                            ...


Dear Ms.[redacted],  
 
We received a copy of your complaint
filed with the Revdex.com, concerning your Fifth Third Bank account.
We appreciate the time you have taken to express your concerns regarding this
matter.  
On behalf of the Bank, I
apologize for any inconvenience this issue might have caused you. When a
customer contacts the Bank we expect each situation will be handled in a
professional manner.  I apologize that
this was not what happened when you initially contacted us.
On
October 27, 2014, the payoff of $[redacted] posted to your account and the late
charge of $[redacted] was waived. An overpayment refund check in the amount of
$[redacted] was mailed separately to the address listed above on October 30, 2014. The
final payoff will be processed within [redacted] business days, and the
installment loan will be closed at that time.
We
have completed our review of the payment history reporting on your credit
report for your installment loan account. Our review determined that the
information provided to the credit reporting agencies is accurate. Our records
do not indicate that the Bank is reporting your installment loan account negatively.
If you
would like to contact the credit reporting agencies directly, their contact
information can be found below:
If after you review the information
being reported to the credit bureaus and you find that the information being
reported is incorrect, please forward details regarding the incorrect
information and a copy of the relevant portion of your credit report that shows
the to the following address:
 
Fifth Third Bank
[redacted]
[redacted]
[redacted]
Alternatively, you can fax this
information to my attention directly at [redacted].
It was not our intention to
cause you any hardship, and we sympathize with the difficulties you have
encountered regarding this account. We believe your issue was resolved
accordingly, and I hope that this
letter will meet your satisfaction.
We appreciate the opportunity to respond
to this matter. If I could be of further assistance to either of you, please
call me directly at [redacted] or toll free at [redacted]. 
 
Sincerely,
[redacted]
[redacted]
Consumer
Resolution Specialist
Office
of the President
 
Pc:
Revdex.com

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

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