Fifth Third Bank

February 24, 2015 [redacted] [redacted] 
[redacted] RE: Installment Loan [redacted] Dear [redacted]: Thank you for the letter you sent to the Revdex.com regarding your installment loan. 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. 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 February 2, 2015, you notified the Bank that the payment you had sent for your account had not yet been applied. On February 5, 2015, the funds were applied correctly to your account. Please see the attached letter that was mailed to you on February 5, 2015, which notified you of the payment error being corrected. Please note that no late charges were assessed and there was no negative credit reporting to the credit reporting agencies. We apologize for this error. Ms. [redacted], thank you for your patience while waiting for a response. We truly value your business, and we look forward to continuing our banking relationship with you. 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

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]

This is a copy of the letter that I received dated 8/17/2016. Just click to enlarge it.This letter hardly says anything about the denial. Yet shows how this dept. operates. As I said yesterday in my response this letter was not provided to the Revdex.com and the letter dated 9/1 that they provided only in response to the Revdex.com and my still not getting assistance after receiving the attached letter from even the mgr. Lemont.Yet the letter from them dated 9/1 says that they have researched the dispute at this point yet nothing has been provided except saying my dispute was denied and insistant there is nothing I can do about it.Being told that my own letter detailing the dispute is why it was determined services were rendered by the merchant is ridiculous.I need to know specifically why this would be determined by them since my details are obvious to no service was rendered as to what was agreed upon for the 350.00.Also why no response from the merchant is not a factor. As I have been told previous by them that it is. The merchant could have responded and has had 90 days.Also if my letter was in fact the reason it wad denied why since my letter goes back to June, would it have taken this long.I was told the length of time is to allow time for the merchant response in which there wad not one at all.Why Lemont the mgr. told me there was a merchant response and he didn't have even my letter.Very bad customer service! No management. When I have asked the questions stated I have been told many times "i don't know the answer to that".So the questions stated are what I need to know since as explained 350.00 the merchant [redacted] had me text her the front and back of my credit card and didn't do what she said that she would do.I was told by one supervisor that "it was a phone consult". The merchant offers free phone consults as stated on her website.I was told by someone else "you entered into an agreement on her website".I never did anything on the merchants website. In fact I only indicated her website as being fraud since she only has her cell phone and no business phone.No one knows what is going on, maybe never read my details. Also if any questions I could have been called.

Hi [redacted]: Unfortunately, the Bank has exhausted our research efforts on this matter and I have informed the customer of the same. While we have not satisfied the customer, the matter is considered closed. Let me know if you need anything further.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.  
They have never addressed the letter I've provided from the GAP insurance company's legal department.According to a consumer complaint lawyer I've talked to, FIFTH THIRD BANK has no legal right to keep the money they collected after the car was totaled.  Yes, I received the 2 checks they provided of $68.86 and $161.02 trying to settle this matter; however they still owe me $115.56.  FIFTH THIRD BANK is the one who provided GAP with the payoff amount of the loan, so if the amount GAP provided was incorrect as FIFTH THIRD BANK claims in their letters, it is their OWN FAULT.  Their own employee told me I would receive back the payment made in December when the claim was settled.
Regards,
[redacted]

My mother's maiden name is [redacted]Her address is [redacted]Her account is [redacted]Please note she is deceased but this was her address and name and account number at the time of her passing.[redacted]

Dear Revdex.com,
The response, provided by 5/3 Bank, in reference to complaint ID [redacted] is understood and accepted by me.  Please, consider this matter resolved.  Thank you, for your attentive assistance. 
With Sincere Appreciation,
[redacted]

[redacted] Date: April 5, 2016 Regarding Your Revdex.com Complaint Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning a check that was returned unpaid...

to you due to it being fraudulent. We appreciate you taking the time to notify us of this and the information has been forwarded our Fraud Department. We would like to offer our sincere apologies for any inconvenience this matter may have caused you. While we are unable to provide you details regarding the Fraud Department’s investigation, or reimburse you for the check, we recommend contacting your local police department to further discuss the situation. They are able to assist you with completing the necessary documents for any fraud that may have occurred. 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 ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shannon K.Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   I have attached a proof of how 5/3 Bank charges. If yuo see the charge comes next day after 12am  - the charge should not be there on same day to nicur nsf fee. My pictures clearly indicate that5/3Bank does not follow their own regulations....
Regards,
[redacted]

I have attached the response to the complaint filed by [redacted]. January 8, 2015   [redacted]
[redacted]
[redacted]  Re: [redacted] Dear Mr. [redacted]: We received a copy of your complaint filed with the...

Revdex.com, concerning the Automated Teller Machine (ATM) and lighting outside of the [redacted] Financial Center. We appreciate the time you have taken to bring this matter to our attention.  On behalf of the Bank I apologize for any concern or difficulty this issue may have caused you. Please be assured that Fifth Third Bank takes safety issues very seriously. We thank you for your loyalty to the Bank since 1996, and for your feedback as it assists us in identifying problems and to continuously improve the level of service we provide to our customers. Customer service is of the utmost importance to all of us at Fifth Third Bank.   I want you to know that I have already taken action on your feedback. After reading your complaint, I have shared the concerns you brought to our attention with the appropriate departments within the Bank concerning the Automated Teller Machine (ATM) and lighting outside of the [redacted] Financial Center. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction. It is also our understanding that you have spoken to the Financial Center Manager, [redacted], regarding this issue. Mr. [redacted] has notified our facility management group in order to have the ATM and lighting outside of the [redacted] Financial Center serviced.     It should also be noted that our Internet Banking Department is consistently working to ensure the online bill payment service is available and working properly. However, there are occasions were the online bill payment service is unavailable due to system issues or maintenance.  We appreciate your patience while waiting for a response. 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 at [redacted] or toll free at [redacted].  Sincerely, [redacted]Consumer Resolution Specialist Office of the President

November 12, 2014
[redacted]
Re:[redacted]
Dear Ms.[redacted],
We
received a copy of your complaint filed with the Revdex.com,
regarding your charged off checking account. We appreciate the time you have
taken to document your...

concerns regarding this matter, and we sympathize with
the difficulties you have experienced.
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. Therefore, we have decided to recall your checking
account from Allied collection agency and delete the charge off record from
[redacted].
On
July 26, 2014, a purchase for $[redacted] from [redacted] was authorized with
your debit card ending in [redacted] and
pending on your checking account. The hold for this pending transaction was
scheduled to remain on your account through July 31, 2014. The following day,
the hold for $[redacted] and authorization were removed from your checking account.
As a result, the transaction was no longer showing as pending on your account.
On August 4, 2014, the beginning balance for your
checking account was $[redacted]. A transfer from your savings account ending in [redacted] for $[redacted] was credited to your
checking account. [redacted] transactions totaling $[redacted] posted to your account,
including the debit card purchase noted above. Therefore, your ending account
balance was [redacted] ($[redacted]). Due to insufficient funds, [redacted] overdraft
fees totaling $[redacted] were assessed to your account and posted the following
day. Although you requested that your checking account be closed on this day,
the account remained open due to the posted debit card transaction.
On
August 12, 2014, your beginning checking account balance was [redacted] ($[redacted]).
Your deposit in the amount of $[redacted] posted to your checking account.
Therefore, your ending account balance was [redacted] ($[redacted]). Unfortunately,
your deposit was not enough to bring your account to at least a zero balance.
Your checking account remained overdrawn for fifty-seven
(57) days following the overdraft that occurred on August 4, 2014. During that
time, a monthly service charge for $[redacted] posted to your account. On September
30, 2014, your checking account was closed, reported to [redacted] and charged
off for collection in the amount of $[redacted].
After
further review of this matter, your checking account was recalled from Allied
collection agency and the information reported to [redacted] was removed on
November 5, 2014. As a result, there is no balance due for your account and we
have updated our records to reflect this.
Ms.
[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]
Sincerely,
[redacted]
Consumer Resolution Specialist Office of the
President
Pc: Revdex.com

Fifth Third Loan Number: [redacted] Deceased: [redacted]  Address: 5[redacted] I assumed ownership interest of this property in...

August 2010,.... This matter has fininally been resolved and I have now refinanced the remaining balance of this mortgage with my local bank. I just need a copy of the [redacted] for 2011, 12, 13 , 14, 15, 16... I have never missed a paykment; but I have no paperwork to attach to my tax documents to show the interest that I had paid  for this property.

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]    I haven't received anything on what you found when you get hacked ain't that how they can do these things to you have your info and ain't that what the bank is for to make sure money is secured I shouldn't have to contact no one but your businesse unless you have a driverlicense that I am sure you needed to get a room on file or a credit card or a photo of me in the hotels I don't see how you came up with this outcome

[redacted]
Re: Credit card xxxx-xxxx-xxxx-[redacted]
Dear Ms. [redacted],
We
received a copy of your complaint filed with the Revdex.com
regarding your credit card account. We appreciate the time you have taken to
express your thoughts...

and concerns. On behalf of the Bank, please accept my
sincere apologies for any frustration you experienced regarding this matter.
We
have completed a thorough review of our records related. Your Platinum
[redacted] account ending in [redacted] was opened on January 25, 2007. The credit
card number associated with the line of credit was changed to an account number
ending in [redacted] in March 2012. The credit card number ending in [redacted] was then
replaced by the current credit card account number ending in [redacted] in November
2011. The original application for credit included both you and [redacted]
as joint applicants. At the time of application, we submitted an inquiry into
both of your credit reports and determined that we could approve the
application for credit. Mr. [redacted] is listed as the primary account holder and
you are listed as the user spouse. In our systems, the user spouse and primary
account holder have an equal ownership of the account and an equal
responsibility for any balances owed on the account. For this reason, the
account and any applicable payment information is reported to the credit
bureaus for both the primary account holder and the user spouse. Please be
advised that because more than seven (7) years have passed since this account
was opened, we no longer have a copy of the application for the credit card. I
apologize if you were advised by a Bank representative that you were not an
owner of the account, and I regret any confusion that this misinformation has
caused.
I
understand that you closed the credit card account but Mr. [redacted] was able to
later have it reopened. All owners of an account are able to make changes to
the account. As an owner of the account, you were able to request the account
be closed. However, it is possible to reopen a credit card account within sixty
(60) days of its closure date. Our records indicate that the credit card
account was closed on March 5, 2014. The account was then reopened on April 9,
2014. The credit card was closed again on April 10, 2014, and it was again
reopened on April 17, 2014. The credit card was closed again on May 24, 2014,
and it was then reopened on May 27, 2014. Please be advised that as of October
21, 2014, the credit card account is open and active. The outstanding balance
is $[redacted], but this amount does not include any finance charges that have
accrued since the last statement was issued. The account is current with the
next minimum payment of $[redacted] due by October 28, 2014. A copy of the most
recent credit card statement is enclosed for your reference.
I have confirmed that your divorce settlement does not
alter the ownership of this credit card account. Fifth Third Bank does not
change account ownership based upon a divorce settlement because the divorce
proceedings are a civil matter arising after the origination of the account.
Therefore, both you and Mr.[redacted]
are equally responsible for the account balance. You mentioned that Mr. [redacted]
has signed a notarized document stating he will close the account and be solely
responsible for the balance. As with a divorce decree, this signed
documentation does not alter the ownership of the account. We are unable to
remove this account from your credit bureau reporting and we are unable to
remove your name from the account. I regret any distress and frustration this
may cause you.
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]
Sincerely,
[redacted]
Consumer Resolution Specialist Office of the President
Pc: Revdex.com Enclosure: Credit Card Statement

Attached is our final response to the complaint filed by [redacted] Thank you. January 9, 2015[redacted]Re: Checking Account [redacted]Dear Ms. [redacted]We received a copy of the complaint you submitted to the...

Revdex.com regarding the overdraft fees that were charged to your checking account. We appreciate the time you have taken to document your thoughts and concerns. We value your relationship with Fifth Third Bank and appreciate the opportunity to respond to you regarding this matter. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations.On December 29, 2014, the beginning balance in your checking account ending in [redacted] was $290.06. Six (6) withdrawals totaling $359.05 posted to your account creating an ending balance of negative ($58.99). Since your checking account balance was not sufficient to cover three (3) transactions that posted, the Bank charged your account three (3) overdraft fee of $37.00 on the following business day. I have enclosed a copy of the overdraft notice that was mailed to you on December 30, 2014. This notice provides additional detail regarding the transactions that posted to the account and the fees that were assessed.I have confirmed that a transfer of $100.00 was made via our online banking on Tuesday, December 30, 2014, at 9:35A.M. Our online banking has a 9:00 P.M. cut-off time for the deposit to post to your account on the same business day. Therefore, your deposit of $100.00 posted to your account on December 30, 2014. Unfortunately, the deposit would have needed to post to your account on December 29, 2014, to avoid the account from becoming overdrawn.In the interest of customer service, on January 6, 2015, we waived $74.00 of the overdraft fees charged to your account. You will see this credit to your checking account on your statement.You may wish to consider adding Overdraft Protection to your checking account which allows funds to be transferred from a Fifth Third Bank savings account, credit card, or equity line to cover items that overdraw the checking account. With Overdraft Protection, you are charged one (1) Overdraft Protection transfer fee of $12.00 per transfer. If you would like more information about Overdraft Protection, please feel free to contact me using the information provided below. You may also visit your local Financial Center or contact our Customer Service Department at [redacted] to setup Overdraft Protection for your checking account.  Ms. [redacted], it was certainly not our intention to cause you any hardship and 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 [redacted], or toll free at [redacted]Sincerely, [redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.com Enclosure: Overdraft notice

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.    
This matter is still pending, and I will get back with the Revdex.com when there is some kind of resolution, but so far it isn't looking good.
Regards,
[redacted]

[redacted] Date: December 8, 2015 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your...

Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns, and we sympathize with the difficulties you have experienced. On November 25, 2015, we received a deposit in the amount of $1,229.47, per our funds availability policy, $100.00 of this check deposit was immediately made available to you. The remaining $1,129.47 would not be made available to you until the following business day, which in this instance was November 27, 2015, due to the holiday. For additional details on the funds availability policy, please refer to page eighteen (18) of the enclosed Rules and Regulations. In addition, daily overdraft calculations are further explained on page eleven (11) of the Rules and Regulations, which explains the daily overdraft calculations and how debits and credits are assessed to your account. As detailed in this section, debits from the account are processed in the following order: ATM withdrawals, debit card purchases, online/telephone/mobile transfers, transfers such as online/automatic bill payments (ACH) and wire transfers, checks written from your account, and fees and service charges. We completed a review of the Essential Checking account ending in [redacted]. On November 27, 2015, we sent the enclosed overdraft notice to the address listed above, detailing the overdraft that occurred on November 25, 2015. The available balance at the beginning of the day was $283.10, and $100.00 was made available from the previously mentioned deposit, totaling $383.10. The debit card purchase, merchant payment, and ATM withdrawal that posted to the account on November 25, 2015, totaled $335.30; these three (3) transactions were not assessed an overdraft fee, as the funds were available. However, the three (3) checks were posted to the account, totaling $146.45, there were no available funds, and the account was overdrawn. Each of the three (3) checks were assessed an overdraft fee in the amount of $37.00, totaling $111.00. Our review of the account determined there was no error in assessing these fees. However, in the interest of customer service, on November 29, 2015, $37.00 of the overdraft fees were reversed and credited back to the account. Because there was no error is assessing the fees, we are unable to accommodate your request for additional fees to be waived. I am sorry for any frustration this may cause you and for any difficulties you may have experienced when contacting the Bank. Thank you for your patience while we researched this matter for 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, April Q. Office of the President Pc: Revdex.com Enclosure: Rules and Regulations, Overdraft Notice

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] Date: September 18, 2015 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com. We appreciate the...

time you have taken to document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. Your comments expressing less than quality service are very concerning. On behalf of the Bank, I would like to offer my sincere apologies for any inconvenience this matter may have caused you. Please be assured that I have contacted the relevant parties to fully research your payoff and express your dissatisfaction with the service you received. When someone contacts the Bank we expect each situation will be taken care of professionally and completely. 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 strive to provide professional and accurate information to our customers, and we regret if all the service you received did not meet the same high standard. When you made payment arrangements with our collections department to spread the remaining balance over three (3) months, you were not given the correct amount in order for those three payments to pay your account in full. On December 5, 2014, we received you final payment of the three (3) payments, in the amount of $523.07. After that payment posted, your loan had a remaining principal balance of $7.91, as well as a late fee of $117.82 that posted to your account on November 16, 2014. The late fee was assessed to your account due to the loan reaching maturity and not being paid off. Unfortunately, the agent that set up your payments didn’t anticipate this late fee and didn’t calculate the amount of your payments correctly. When your final payment posted to your loan on December 5, 2014, the remaining balance caused your loan to remain open. Due to a cease and desist that you requested on your account, we were not able to contact you during that time to inform you of the past due balance. On March 4, 2015, your installment loan charged off in the amount of $7.91, the remaining principal balance of your loan. On July 28, 2015, we received a payment in the amount of $126.12, which satisfied the unpaid principal balance and the $117.82 late charge owed on your installment loan. Your loan account was closed as paid in full on that same date. After receiving the complaint you filed with the Revdex.com, we conducted an extensive investigation into the issues surrounding the final payments established for you to pay off your loan, as well as the information we provided to the credit reporting agencies. Our investigation determined that the information we provided to credit reporting agencies was incorrect. On behalf of the Bank, please accept my sincerest apologies for any inconvenience this matter may have caused you. On August 26, 2015, we reversed the late fee of $117.82 on your account. In addition, we submitted a request to correct the credit bureau reporting and reverse the charge off. After these corrections were processed, your loan was closed with an over payment in the amount of $118.21. On September 3, 2015, we mailed you a check for the overpayment balance remaining on your account and on September 16, 2015, I was able to confirm with all of the credit reporting agencies that you loan is now reporting correctly and is no longer reporting a charge off amount. If you have any questions regarding the overpayment refund or the corrections that were made to the credit reporting agencies, please contact me at the number below. I would be happy to assist you and provide you with a final resolution. If you would like to contact the credit bureaus directly, contact information can be found below:  [redacted] ###-###-####  [redacted] ###-###-#### [redacted] ###-###-####  [redacted] ###-###-#### [redacted], we appreciate your patience while we researched this matter and sincerely apologize for any inconvenience or hardship you may have experienced as a result of this matter. You were a valued customer and we sincerely hope that you will reconsider using Fifth Third Bank for your financial needs in the future. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C. Office of the President

[redacted] Date: December 13, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your installment loan account. We appreciate the opportunity to further address your concerns. On behalf of the Bank, I apologize for the frustration this situation has caused you. However, we stand by our previous correspondence dated November 21, 2016, and December 5, 2016, regarding the insurance payments to your loan and the payment history reported to the credit reporting agencies. Our position on this matter has not changed. For your reference, I have enclosed copies of our previous correspondence. We have no additional information to provide and consider this issue closed. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Enclosure: Previous Correspondence (2)