Fifth Third Bank

Good Afternoon, Fifth Third Bank has no additional response or comment regarding this complaint. All issues have previously been explained and addressed with [redacted].  Thanks,  Brandy W.Executive Support SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOP (513) 358 3493Cincinnati, OH 45263 [redacted]  [redacted]Email[redacted]

[redacted] Date: April 25, 2016 Regarding Your Revdex.com Rebuttal Dear [redacted]: We received a copy of the rebuttal you filed with the Revdex.com concerning our response to a check that was returned unpaid to you due to it being fraudulent While we would like to offer our sincere apologies for any inconvenience this matter may have caused you. We stand by our previous response to you dated April 5, 2016, and recommend contacting your local police department so they can assist you with filing the necessary documents for any fraud that may have occurred. I have enclosed a copy of our original response for your convenience. We strive to provide professional and accurate service to our customers, and I apologize for any difficulties you may have experienced. If I could be of further assistance to you, please call me at 616-653-7056, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shannon K.Office of the President Enclosure: Original Response.

Revdex.com: In on of the documents provided by 5th 3rd .the last page account summary #[redacted] clearly shows a yearly total of late charges or insufficient funds totaling 772.oo dollars for that year. There is no clear documents that I see clearly giving a detailed timed and dated along with live daily on going deposits and expences. Weekly balances dont show anything cronologically. Concerning me depositing a check on fridays, making purchases over the weekend ....then being charge insfficient funds. My current bank see's that proper funds are posted in the system PRIOR to a expence....and they wouldnt charge me a dime....because its in there. Again my complant is that for some mysterious reason 5th 3rd chose to deduct funds BEFORE the deposit was entered, although the deposit was in first. Both of wich had to wait until the next 'business day'. This isnt hard to inderstand. Thus my complaint stands. 
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] Date:    July 13, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding a stop payment placed on your 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 this matter may have caused you. Our records show that on June 29, 2015, a stop payment was placed on check number 666 for $589.00 made payable to [redacted]. This check was presented to the Bank and posted to your account on July 3, 2015. When a stop payment has been placed on a check, the system will allow the check to post to your account and the item will be returned the following business day. Subsequently, on July 6, 2015, check number 666 was returned to the payee and $589.00 was credited back to your account. No overdraft fees or returned item fees were assessed to your account due to the stop payment. I have enclosed a copy of your checking account statement for your review. I hope this letter addresses all of your concerns and you are satisfied with the resolution. We appreciate your patience while we reviewed this matter. 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 further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8:00 a.m. to 6:00 p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com Enclosure: checking account statement

[redacted] December 8, 2014 [redacted] 
[redacted] 
[redacted]0 Re: Enhanced Jeanie Card [redacted] Dear Ms. [redacted], We received a copy of the rebuttal filed with the Revdex.com regarding a disputed purchase that posted to your debit card. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. In response to your previous Revdex.com complaint, a rebuttal dispute was filed for the charge made by Skin in the amount of $89.95. The additional investigation into this transaction may take up to sixty (60) days to complete. Please accept my sincere apologies for the inconvenience and frustration this matter has caused you. However, the Bank follows a dispute procedure established by federal regulation and MasterCard itself. Regulation E controls the dispute process for debit cards like your Enhanced Jeanie Card. The regulation provides detailed procedures and deadlines for consumers, banks and other financial institutions to follow when a dispute is made against a transaction on an account. Please be assured that you will receive notification from our disputes department as soon as their investigation is finalized. Ms. [redacted], we appreciate the opportunity to respond to your additional concerns. 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 [redacted] Sincerely, [redacted] Consumer Resolution Specialist 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. 
Regards,
[redacted]

I have filed a complaint with the Revdex.com regarding two transactions on my prepaid Fifth Third account I've called and left a voicemail for Allison S. of Fifth Third Banks corporate office. She called and left me a voicemail the other day advising me she was investigating more into...

this matter. I have not heard back from her since my voicemail on yesterday June 23rd 2017 there are two erroneous charges on my prepaid card I disputed  the first one in the amount of $42 and some odd sense at a restaurant on the southside of [redacted] subsequently I noticed that there was also a $35 charge for a nail salon also on the southside of [redacted] I have asked 5th third to look at my transaction history I do not live neither do business on the southside of [redacted]. The restaurant charge that is erroneous is for a Mexican restaurant I do not eat Mexican food they will not see any charges from a Mexican restaurant including [redacted] on my transaction history the subsequent $35 charge was for a nail salon on the southside of [redacted]. Although I do get my nails done I have a designated shop of which I go to which is closer to my home versus traveling to the south side of [redacted]. I feel as if Fifth Third is treating me like I am the criminal instead of seeing I've never had any previous disputes with them. I've been a content customer until now. Even 5th 3rd shut down my regular debit card just a week to two weeks prior to this happening due to an erroneous [redacted] charge that was on my checking account debit card they immediately reversed it but in the meantime still inconvenience me by shutting that debit card down and not advising me what was going on so when I went to try to make transactions my card kept coming up declined but now I feel like I'm being treated as if I'm the criminal. on the prepaid card when I'm disputing these charges because they're totaling over $70. When I contacted the fraud department in open the case initially to file the dispute on the initial charge of $42 and some change from the restaurant on the Southside they advised me I would get a provisional refund of the money within 7 to 10 days now it has been over 2 weeks and I feel like they're holding up my refund and punishing me because I've contacted the Revdex.com. If there's anything that you can do to try to expedite an assist me in this matter I'm more than appreciative.Sincerely,[redacted]

We received a copy of your complaint, filed with the Revdex.com, regarding your Fifth ThirdBank checking account. We appreciate the time you have taken to express yourconcerns regarding this matter.On behalf of the Bank, we would like to offer our sincere apologies for any...

inconvenience this matter may have caused you.Please be assured that it was not our intention to cause you any frustration.The account transactions listed on www.53.com , are in numerical order of largest to smallest. This isto 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.com is not indicative of the order in which the account transactionswere processed. 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 to your account areprocessed in the following order:·        Credits anddeposits made prior to the end of day cutoff time (according to our FundsAvailability Policy)·        ATM transactionsand debit card transactions in the order they took place·        All other debitsincluding checks, and electronic bill payments, in the order of highest amountto lowest amount·        Fees and servicecharges in the order of highest amount to lowest amountPlease note that this posting order may changedue to circumstances beyond the Bank’s control, such as changes or disruptionsin network processing or processing delays by a third party. This posting orderis the same whether you accept or decline Overdraft Coverage for ATMtransactions and one-time debit card transactions.On November 12, 2014, thebalance in your checking account was $22.81. Three (3) transactions totaling$44.80 posted to the account that day, creating an ending balance of negative($21.99). Due to non sufficient funds a total of $74.00 in overdraft fees wereassessed. The ending balance was negative ($95.99). On November 14, 2014, oneoverdraft fee of $37.00 was waived in the interest of customer service.On November 21, 2014, the balance in your checking account was negative ($58.99). Your direct deposit of $738.80 wascredited to the account. Four (4) transactions totaling $714.13 posted to theaccount that day, creating an ending balance of negative ($34.32). Due to nonsufficient funds an overdraft fee of $37.00 was assessed. The ending balancewas negative ($71.32).On November 24, 2014, the balance in your checking account was negative ($34.32). Four (4) transactionstotaling $212.32 posted to the account that day, creating an ending balance ofnegative ($246.64). Due to non sufficient funds a total of $111.00 in overdraftfees were assessed. The ending balance was negative ($357.64).As stated above, our Consumer Contact Center waived $37.00 in overdraft fees and credited yourchecking account on November 14, 2014. On December 9, 2014, an additional$74.00 in overdraft fees were waived and credited to your account. However,your checking account still has a negative balance of ($283.64).I have enclosed a copy of our Rules andRegulations. Pages 11 and 12 provide additional information regarding fundsavailability and the overdraft calculation order.For your convenience, I have also enclosed a reference guide titled FifthThird Overdraft Solutions. This guide provides additional informationrelated to the overdraft fees that we assessed to your account. We also offerways to track your balance and manage accounts to help avoid overdraft fees onyour accounts in the future.Ms. [redacted], it was certainly not our intention to cause you any hardship. We sincerely hope this information will help you understand the Bank’sposition going forward and resolve your needs. If I could be of further assistanceto you, please call me at [redacted]. Sincerely,[redacted]
[redacted]Consumer Resolution Specialist Office of the President[redacted]

This message is regarding Complaint ID # [redacted]- Fifth Third BankI am sending this message to ask why you closed the aforementioned complaint while I have specifically asked in the response for more information. The business’s only response only pertained to the deposit, not the fact they deliberately stopped sending any type of communications until the day before the complaint.The “issues” in the complaint are, in order of appearance (from the earliest message to the latest):The deposit. (Although I know that by this point, I am not likely to get this amount back, especially since you dropped the case with minimal evidence from Fifth Third. I am mostly pressing them at this point to admit wrongdoing.)The fact that I was not given any correspondence before the events of this started happening. Although I would normally let an amount as small as the case here go, I would at least like to have advance notice, which I was never given and Fifth Third has still yet to look into. Although they claim that they sent it, I can assure you I have not received any sort of “August 2016 Account Statement”.A smaller matter, Fifth Third has still only sent generic documents pertaining to standard accounts, nothing pertaining to student accounts. While I understand that they share many of the same rules and regulations, the clause associated with the student accounts (see the previous message for a URL) that no monthly fees would be accessed, or the “no fees period” (which supposedly waved any and all fees as long as I still attended the university that I signed up in, upon which it would convert to a standard or express checking/banking account) that was associated with the Fifth Third Branch where I opened this account.Of these, I asked for the third one specifically in the response message (which they will most likely not look into unless this case is re-opened), and the second was not addressed in the business response at all. So, please consider reopening this case so I can have an actual resolution, not a generic response. I will accept the resolution (even without the deposit) if they provide proof that it is not one of the fees waived in a student account or they admit wrongdoing for withholding mail correspondence before the fee started being accessed.Sincerely, [redacted]

[redacted] Date:             August 27, 2015 Account:               [redacted] Regarding Your Savings Account Dear [redacted]: We received a copy of the rebuttal complaint filed with the Revdex.com regarding the monthly service charges assessed to your savings account. We appreciate the additional time you have taken to document your concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this situation may have caused you. However, we stand by our previous response letter sent to the above address on August 17, 2015. I have enclosed a copy of our previous written response for your review. Our position on this matter has not changed. Thank you for your patience while we researched this matter for you. 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 ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S. Office of the PresidentPc: Revdex.com Enclosure: Previous Response

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.  The letter states the $89 and the $10 are permanent credit.
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 have read through the reply from Fifth Third.  It is all very confusing.  I paid all my escrow payments on time and in full in 2015 and 2016. There should have been one payment to pay the home [redacted]. It seems that because I refinanced during the same month that the [redacted] was due, that some mistakes were made in the figures and now I have to pay an additional $1300.00 to make up for it.
Regards,
[redacted]

[redacted] Date: October 30, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received your email to the Bank, as well as a copy of the complaint you filed with the Better...

Business Bureau regarding your mortgage loan. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning and have been addressed and forwarded to the appropriate personnel. On behalf of the Bank, I apologize for any inconvenience this issue may 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 and we expect that this will not be the case in the future. We were able to further research your concerns regarding the three (3) transfers that were made to your mortgage loan on October 15, 2015, each in the amount of $460.00. On October 19, 2015, we reversed two (2) of the three (3) transfers from your mortgage loan to your checking account ending in 3423. The total amount refunded was $920.00. We have also confirmed that no overdraft occurred as a result of this matter. As of today, your mortgage loan is currently due for payment on November 1, 2015, in the amount of $454.86. We apologize for any difficulty or concern this may have caused you. In addition, we have further researched the error message you were provided when attempting to complete the transfers. When a transfer is successful, there is a response message provided to you by the mobile application indicating such. In this case, the success message timed out before it was able to be displayed to you. Because the successful message did not reach its destination, the transfer was retried a second and third time. Thank you for taking the time to bring this matter to our attention. We appreciate your feedback as it helps us to improve our service to you. Please be assured that we are making the necessary changes in our system to fix this issue. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. 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, Brandy W. 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. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear  unsastifactory.
 
Again, we were not notified by any communication of escrow reviews. Additionally, Fifth Third reported delinquency to the credit bureaus due to their mis-management of funds submitted. They sent a check back then they put a stop payment on it, after deciding to appropriately apply the funds. Administratively, this took them 34 days and we were penalized for their incompetence handling this matter. 
 
Supporting documentation and two recorded phone calls with their loss mitigation department clearly indicating and acceptance of their faults has now been forwarded to proper legal reprensentation as well as all appropriate governing bodies (local, state and federal). 
Regards,
[redacted]

[redacted] Date: August 31, 2016 Application #: [redacted] Regarding Your Mortgage Loan Application Dear [redacted]: We received your additional complaint filed with the Revdex.com regarding your mortgage application. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We have reviewed your additional concerns regarding the application fee. We apologize for any difficulty or concern this may cause you; however, we stand by the response conveyed to you in our previous letter dated August 22, 2016. For your reference, I have enclosed a copy of our prior correspondence. Per our previous correspondence, the application fee is charged for processing the application. As indicated on the pricing agreement, “This loan processing fee does not represent a pre-payment of specific closing costs. It does, however, represent a pre-payment of a portion of the total settlement costs. Assuming your loan application is approved, this prepayment of settlement costs will be applied towards your total costs due at closing your transaction. If your application is not approved, is withdrawn, or is approved and does not close, you will NOT be entitled to a refund of any fees paid including but not limited to the loan processing fee and long term rate lock fee.” For your reference, I have enclosed a copy of the pricing agreement. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have 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, Brandy W.Office of the President Pc: Revdex.com Enclosures: Prior Correspondence, Pricing Agreement

[redacted] response attachedWe received a copy of your complaint filed withthe Revdex.com regarding your checking account. We appreciate thetime you have taken to document your thoughts and concerns regarding thismatter, and we sympathize with the difficulties you have...

experienced.On behalf of the Bank, please accept my sincere apologies for the level of service you received fromour Customer Service Department. Please be assured Fifth Third Bank takes thesematters seriously, and we strive to provide an exceptional experience to ourcustomers. After receiving your letter, I thoroughly researched this matter andforwarded your concerns to the relevant parties in our Customer ServiceDepartment. I also want you to know that customer concerns are reviewed by our senior and executive management teamsas 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 January 21, 2015, youcalled our customer service department regarding the online bill payment thatyou scheduled on January 2 , 2015, for [redacted] Properties in the amount of$575.00 with a delivery date of January 8, 2015. You requested the call representativedo additional research to determine why the check had not been cashed yetbefore deciding whether or not to place a stop payment on the item. Our callrepresentative followed up with you on January 23, 2015 with additionalinformation, but was unable to reach you by phone or leave a message. Ourresearch indicated that [redacted] Properties received the check on the originaldelivery date, January 8, 2015, but was unable to process due to system issuesthey had been experiencing. The check was cashed on January 26, 2015 and postedto your checking account on January 29, 2015. I have confirmed that you did notreceive any overdraft fees as a result of the item posting to your checkingaccount.For future reference, please visit www.53.com, for additional information about how to cancel an onlinepayment. If you have scheduled an onlinebill payment that still shows the status as “Scheduled,” then you can cancelthat payment as outlined in the enclosed information I have printed fromour website.I apologize for any inconvenience this may havecaused. Please be assured that it was not our intention to cause you anyfrustration. However, in the interest of customer service, we have creditedyour account $148.00 in overdraft fees that were previously assessed onFebruary 2, 2015 and February 3, 2015.Ms.[redacted], thank you for your patience while we researched this matter for you. Wetruly value your business, and we look forward to continuing our bankingrelationship with you. If I could be of further assistance to you, pleasecontact me directly at [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  The response was in-accurate and not helpful to resolution. Payment was made on febraury 1st, and the response indicates it was not. Title was on file by the 5th, so may had been accurate on the 1st. Additionally, after another few hours of talking to costumer service representatives on Friday, February 5th. A title was present at "my titles". After being transferred and cut-off from the 5/3 representative, then contacting "my titles" 3rd party title vendor whom transferred me back to 5/3, which 5/3 transferred me back to "my titles" and again transferred back to 5/3 it was concluded that I should sit and wait at the department of motor vehicles to obtain a copy of my title for refinance. No representative was rood on this occasion, it was only the call where I was asked to provide two monthly payments prior to february 1st. I just want to refinance to my bank. The problem is representatives A.) lack of knowledge pertaining to refinance and titles and B) representatives lack of interest in assisting. I will call the number given in the response to see if there is additional help, or more accurate and knowledge assistance before I sit for hours at the DMV to find out that I need to contact 5/3 again. I just want someone who has completed the common transaction of refinance for assistance and will gladly sit at DMV if that is the next step.Payment will be made on or before due date if this doesn't get resolved in time, but review the calls on February 5th as well to find out why customers would have no confidence in 5/3 ability. I was told again that copies would not be made or sent to another bank, must be paid off before a re-finance and various other items that make it difficult to believe that the people I have talked with have any experience whatsoever as well as poor customer service ability in the aspect of critical thinking skills or what should be common practice. My call had been dropped several times during the contacts with 5th third, and even after asking to be warm transferred. If I would had received a call from a 5/3 representative that knew something about banking, I would had been satisfied. I will try to call the number given on the response.
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.A letter was written by Justin stating the account was closed as requested. Had the other customer service reps been as motivated to send the letter as he was, Revdex.com would not have been contacted.Thank you Revdex.com!
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: January 11, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

your checking account. I also appreciated the opportunity to speak with you. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. Please be assured we have researched this matter fully, and passed your concerns on to the relevant parties within the Bank. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. You contacted Fifth Third Bank (“the Bank”) to dispute two (2) electronic checks that posted to your checking account without your authorization. Our Domestic Collections Department has opened the following claims and the necessary documentation has been submitted to the receiving banks to initiate recovery efforts. ** Case # [redacted] was opened for the $800.00 check that posted to your account on December 22, 2016. The claim was sent to [redacted] on December 28, 2016 and they typically take at l[redacted] ninety (90) days to respond to our collection request. ** Case # [redacted] was opened for the $342.56 check that posted to your account December 29, 2016. The claim was sent to [redacted] on January 6, 2017; however, [redacted] takes up to six (6) months to respond to our collection requests. Typically, the Bank does not issue credit for this type of disputed transaction before receiving the funds back from the other financial institution. However, upon review of the extended turn-around times from the other banks that are involved, we have made the decision to issue a provisional credit to your checking account. A credit of $1,142.56 was credited to your account on January 10, 2016, for your use until the claims are finalized. In addition, we have reversed the $99.00 in overdraft fees assessed to the checking account due to these items. If you have additional questions regarding the status of your dispute, our Domestic Collections Department can be reached at ###-###-####, option 2, Monday through Friday, 8 a.m. to 5 p.m., ET. Fifth Third Early Access is a line of credit used to assist our customers with short-term, financial emergencies, or unexpected financial needs. The Bank does not currently offer the Early Access product to new checking account holders. After further research, I was able to confirm that there is a procedure to open an Early Access advance feature on a new checking account when the old one is closed due to fraud concerns. I apologize that I was not aware of this when we first spoke. After the current checking account is closed, the new account is opened, and a new Early Access terms and conditions form is signed, we can proceed to activate the Early Access feature. There can be up to a three (3) day delay in activating the Early Access on the new checking account. As we discussed, I will communicate this information to the [redacted] Financial Center to facilitate matters when you visit them at the end of this week. You are a valued customer and it is certainly not our intention to cause you any hardship. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to assist 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, Alison S.Office of the President Pc: Revdex.com