Fifth Third Bank

Per your request, the account number is [redacted]. I couldn't find a way on your system to send you an update to my complaint, so hope this...

will reach you.  I wanted to advise that we received the check on July 31st. Therefore, that portion of the complaint has been resolved.  I still have a problem with the customer service received from the company, but there is nothing to be done about that other than have the complaint reflected on your website.Thank you for your help in resolving this matter.

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.  Business did contact me and I did recieve my payoff letter, good job.Can you please close the complaint,Complaint ID...

#[redacted],   
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 below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

[redacted] Date: March 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. I also appreciated...

the time you took to speak with me. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. As we discussed, a replacement card for the credit card account ending in [redacted] was ordered and sent to you by overnight mail. The card retained by the Automated Teller Machine (ATM) has been destroyed. The fee for the rush replacement card was waived to provide a positive resolution to this situation for you. 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

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 have receive a letter from 53th bank and I have call Lisa and have not got a call back from her yet, so no I not like what they or saying about the account that I had with there bank back in the pass because they or not trying to do anything about it and they never have try to do nothing about the issues back then.

[redacted] Date:       May 12, 2015 Account:       [redacted] Re: Account Dispute Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com. 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 frustration you experienced regarding this matter. On January 20, 2015, we received your dispute for a missing $600.00 cash deposit at an Automated Teller Machine (ATM). As a result of the dispute, we processed a $600.00 provisional credit into your checking account on January 20, 2015. For disputes of this nature, the cash in the ATM is counted in order to verify that the amount of cash in the ATM balances with the transactions processed. When we counted the ATM where you state you made the deposit, we determined that the ATM did not have any extra cash in it that was unaccounted for. For this reason, your dispute was denied. Because the dispute was denied, the $600.00 provisional credit was removed from your account on March 3, 2015. When a provisional credit is removed from a checking account, the Bank will not assess any overdraft or returned item fees for five (5) business days from the date the credit was removed. The beginning balance in your checking account on March 3, 2015, was $144.21. The $600.00 was debited from the account that day, resulting in an ending balance of negative ($455.79). On March 4, 2015, an $89.00 Automated Clearing House (ACH) transaction to [redacted] processed on the account. The ending balance in your checking account on March 4, 2015, was negative ($544.79). Because this transaction processed within five (5) business days of the Bank removing the provisional credit, we did not charge an overdraft fee to the account. We processed the $11.00 monthly service charge for your Essential checking account on March 16, 2015. The ending balance in your account that day was negative ($555.79). On April 1, 2015, another $89.00 ACH transaction to [redacted] processed. The transaction was returned as unpaid the next day and because this transaction took place more than five (5) business days after we removed the provisional credit; we also assessed a $37.00 returned item fee. The ending balance in your checking account on April 2, 2015, was negative ($592.79). [redacted] processed another $89.00 ACH transaction on April 13, 2015. This transaction was returned as unpaid the next day on April 14, 2015, and a $37.00 returned item fee was assessed. We also processed the $11.00 monthly service charge for the account on April 14, 2015. The ending balance in your checking account on April 14, 2015, was negative ($640.79). As a result of the continued negative balance in the account, we assessed a $30.00 charged-off account fee and closed the account on April 28, 2015. The balance in the account at that time was negative ($670.79). We reported the balance owed to [redacted] and sold the account to the third-party collection agency [redacted].We have determined that because the ATM in question did not have extra cash inside that was not accounted for, the dispute denial is valid. I am sorry for any distress this may cause you. If you would like to make payment arrangements for the charged-off balance, please contact [redacted] at ###-###-####.You mentioned in your complaint that there was a $700.00 deposit missing from your account but that the deposit credited two (2) days later. The next deposit into your checking account after January 19, 2015, was a $510.00 cash deposit made inside the banking center on February 11, 2015. The funds were credited to your account the same day. The next deposit into your checking account was a $500.00 cash deposit made inside the banking center on February 18, 2015. The funds were credited to your account the same day. The February 18, 2015, deposit was the last deposit made to your account.Enclosed for your review are copies of the February 2015, March 2015, and April 2015, checking account statements and the two (2) deposit slips for your February 2015 deposits. If there is a $700.00 deposit missing from your account, please provide additional information and documentation, such as a copy of the deposit receipt, to me directly. I would be happy to further research your concerns. This documentation can be faxed to my attention at ###-###-####. Alternatively, the documentation can be mailed to me using the address listed below:Fifth Third BankOffice of the President [redacted]We appreciate your patience while we researched this matter and we value your business. If I can be of any further assistance, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, [redacted]Senior Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosure: Checking Account Statements (3), Deposit Slips (2)

[redacted] Date: February 10, 2016 Account: [redacted] Regarding the Closure of Your Checking Account Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com regarding the closure of your checking account. We appreciate the additional time you have taken to share your concerns regarding this matter. According to your rebuttal, you were not informed of the negative balance on the above mentioned checking account until you attempted to open an account at another financial institution. Our records indicate the mailing address for this account was [redacted] by [redacted], [redacted], [redacted]. I have enclosed the checking account statements that contain the overdraft activity as well as the related overdraft notices that were mailed. On October 14, 2015, this checking account was closed with a negative balance of $910.33. I have enclosed the letter that was mailed to advise you of the account closure. In the closure letter, we advise that Fifth Third Bank has the right to report the charged off account to [redacted] and the account will be sent for further collection proceedings. The account was sold to [redacted] for collection. If you would like any additional information related to the charged off account, or if you would like to set-up payment arrangements, you may contact [redacted] at ###-###-####. If [redacted] is willing to accept a settlement for the account, you may contact [redacted] regarding the status of your account, on the Internet at www.consumerdebit.com, via telephone at ###-###-#### or by mail at: [redacted], Consumer Relations, and [redacted] 
[redacted].When you called to inquire about the charged off checking account, you should have been advised that the account was sold to [redacted] for further collection proceedings. You would have been referred to [redacted] for further information related to the account. However, we could have provided you with details about the recent activity on the account, since you were a joint owner. I apologize that you were not provided with this information when you initially contacted the Bank. Thank you for your patience while we reviewed your additional concerns. We value your relationship and look forward to fulfilling all of your financial needs for years to come. If I may be of further assistance to you, please contact me directly at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com Enclosures: Checking account statements, overdraft notices, closure lette

Attached is our response. December 2, 2014 [redacted] 
[redacted] Re: Loan account #xxxxxx[redacted] 
[redacted] We received a copy of the complaint you filed with the Revdex.com...

regarding the loan account ending in 2200 in Mr. [redacted] name. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. I would like to thank you for taking the time to speak with me on November 25, 2014, regarding the lien release for the vehicle and the fees that were assessed to your account. Please be assured we have reviewed the information you provided to the Revdex.com along with the details you provided me in our conversation. Our decision regarding the fees that you were assessed is based on the information provided in our previous correspondence regarding the missing September 2006 payment. As advised in that correspondence, dated June 6, 2014, the incorrect account number was listed on the copy of the check dated September 6, 2006, which leads us to believe that the funds would have been sent back to you at that time. While the Bank made the decision to credit the account for the full amount of the $450.37 payment and backdate it to September 2006, it was determined that no Bank error occurred when processing the payment. Therefore, we are unable to credit you for the late fees and repossession fee that was previously assessed to the account. We have reached out to our Loan Department regarding the title for the vehicle. They were able to determine that the title was sent to the address on file, which was to Mr. [redacted] Based on this information, a request to have a notarized lien release sent to you via overnight mail has been completed, which will allow you to receive a duplicate title from the State of [redacted] Along with the lien release, you will receive a check for $15.00, which is the fee in the state of Ohio for a duplicate title. Once the duplicate title is requested, the Bank’s name will no longer be listed on it. On behalf of the Bank, I apologize for any difficulties this situation may have caused you. It was certainly not our intention to cause you any hardship or frustration. Please feel free to contact me directly at the telephone number below if you do not receive the lien release in the mail. I would be happy to research any delay that has occurred. Ms. [redacted] we appreciate your patience while we researched this matter and we apologize for any inconvenience you may have experienced. If I can be of any further assistance, please contact me at [redacted] Sincerely, [redacted] Regulatory Support Specialist Office of the President Pc: Revdex.com

I was able to automate my payments. You were incorrect and unhelpful to say this could not be set up. The phone numbers you gave me were helpful though. We can close this.

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 not entirely addressed all the matters of concern. My position too has not changed, per similar dates of contact and responding. For all of these reasons, I have chosen to limit my business relationship with this bank, and will eventually sever all ties. This will not be my last formal complaint or action taken either, as they have been unscrupulous, and unethical fro starters.
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 was never informed of any negative amount on the account. I never received any notices of negative amounts. When I became aware of negative amounts I called and was told that they could not discuss the account with me. How can I be held accountable for an account that I have no access to and cannot close. I have had Mt acc I nuts with your bank with no incidents. I don't know what my daughter did or did not do because I was given minimal information. Whatever repercussions come with her negative account should be directed to her.  I manage my accounts responsibly and wish only to maintain a positive relationship with your bank. I find it unfair that you try to punish me for a referral gone bad, but would not have awarded me for any positive experiences. If fake checks were deposited why wasn't the account closed after the first one and a phone call made? My number has not changed and I have not received a call or a notificationvia mail, email or customer bank alerts. Please remove my name from [redacted] and put that burden on whom ever signed the deposited fake checks.  There are no attachments as mentioned in the previous email, but I assure you that my signature is not on any of them. My funds come primarily from direct deposits from my employers. Any check that I deposited has been under $100 and was 100% valid. 
Regards,
[redacted]

[redacted], I have reviewed the second rebuttal complaint submitted by [redacted] concerning the $400.00 promotional credit for her business checking account. We stand by our prior responses dated November 2, 2015 and November 16, 2015. Our position on this matter has not changed and we are not willing to provide [redacted] with the promotional cash bonus because her account did not meet the requirements to qualify. We consider this matter closed and no additional correspondence regarding this issue will be sent.   Thank you, Danielle. S. | Fifth Third Bank Consumer Resolution Specialist | Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263(:###-###-####7: ###-###-#### *: [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 bank has offered to reinstate the card so that this particular blemish on my credit was removed. The card is still not open however, even though the card is closed fifth third continues to lower the credit limit whenever we make a large payment (which is every month as we consistently pay 4-5 times the payment) each time this happens my credit receives a negative report and lowers.This whole thing began with a misunderstanding. We were leaving town and paid a payment (several times the minimum) and because it was early it went into the previous month leaving us with a payment missed. I requested grace on this matter and with my initial conversations with 5/3 thought this would be taken care of.  After my last conversation I understand they are planning to let this stand.This has caused a 200 point drop in my perfect credit. Because of the late pay and their dubious practices of lowering the limit whenever we make a payment. I own a small business and this will now make it impossible to get a loan to open a new store. Why??? Because I made a payment (larger than requires) 2 days early. I get rules, but there needs to be exceptions. This will not be resolved in my opinion until the 40 day late is removed from my credit. This has had such a devastating effect on my business.
Regards,
[redacted]

[redacted]   Date:                         May 18, 2015  Account:         [redacted],...

[redacted]   Re: Account Status  Dear [redacted]:  We received a copy of your complaint filed with the Revdex.com, concerning your Fifth Third Bank checking accounts and your experience at the [redacted] Bank Mart. We appreciate the time you have taken to express your concerns and for bringing this matter to our attention.  Your comments expressing less than quality customer service are very concerning. We strive to provide accurate and professional services to our customers. Please be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received at the [redacted] Bank Mart.  On March 9, 2015, the balance in your checking account ending in [redacted] was $551.63. A total of $6.00 in ATM (Automated Teller Machine) fees was credited back to your account. Twenty-Four (24) transactions posted to your account totaling $915.51, creating an ending balance of negative ($357.88). Due to non sufficient funds one (1) overdraft fee of $37.00 was assessed. The ending balance was negative ($394.88).   It is our understanding that you visited that the [redacted] Bank Mart in order to open a new checking account, due to personal challenges you were experiencing. At that time, you informed the personal banker at the [redacted] Bank Mart that your tax refund would be directly deposited into your checking account ending in [redacted], and the deposit would bring the account balance positive within a few days.  Based on this information, the personal banker agreed to open your checking account ending in [redacted] on March 11, 2015, and not to transfer funds from your checking account ending in [redacted] to cover the negative balance in your checking account ending in [redacted]. Your checking account ending in [redacted] has remained overdrawn since March 23, 2015. Additional items have continued to post to the account, causing further overdraft fees to be assessed. We encourage you to make a deposit to the account, in order to bring the account balance to zero. This would prevent additional overdraft fees from being assessed, the account from being charged off and sold for further collection proceedings, and reported to [redacted]. It should be noted that when you owe the Bank a debt on one of your accounts, the Bank has the right to transfer funds from another account you are an owner of to cover the debt owed to the Bank. This is known as the Bank’s Right to Offset and was disclosed in our Rules and Regulations that you received when the checking account was opened. For your convenience, I have enclosed a copy of our Rules and Regulations. On May 5, 2015, the [redacted] Bank Mart placed a block on your debit cards ending in [redacted] and [redacted] in order to prevent additional overdraft fees from being assessed. Per your request, the blocks have been removed from your debit cards.    It was certainly not our intention to cause you any hardship. We appreciate your patience while waiting for a response, and we sympathize with the difficulties you have encountered with at the [redacted] Bank Mart. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####. 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 have determined that this does not resolve my complaint.  The check does not show the entire amount that was removed from my checking account the total amount was $15,266.00 that was removed from both accounts. The problem that still exist is that the check I was informed, was not received by the courts and it is showing on my credit report as amount owed. Second, the remaining money that was removed $5,043.52 Fifth Third bank I was informed, they do not know what happened to it. I'm currently waiting for information from the courts to verify the information that was given.
Regards,
[redacted]

The final responsse to [redacted] is attached. [redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]We received a copy of the complaint you submitted to the Revdex.com regarding your checking...

account. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. I am sorry for any difficulties you experienced when you previously contacted the Bank. To maintain the security of your account, I am sending this letter to the address we currently have on record for you. I noticed that the address you use in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your complaint. I encourage you to either call the Customer Service Department, or myself, to make sure that your account is properly updated. The Customer Service Department can be reached at [redacted]. I can be reached at the telephone number listed below. On behalf of the Bank, please accept my sincere apologies for the any inconvenience or frustration this matter may have caused you. Please be assured that Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. I also want you to know that customer feedback is reviewed by our senior management as part of our ongoing commitment to improving our customers’ satisfaction. You have the option of enrolling in overdraft coverage for ATM (Automated Teller Machine) transactions and onetime debit card purchases. Overdraft coverage allows you to make one-time debit card purchases or ATM withdrawals even if you do not have enough money in your account. When you opt-in to overdraft coverage, there are fees for each item the Bank pays on your behalf. When you choose not to opt-in to overdraft coverage, your ATM and debit card transactions are automatically declined, and no per-item overdraft fees are applied to those transactions. Please note that transactions appearing on your account statement as a merchant payment are one-time debit card purchases made after certain cut-off times. Our records show that you opted-in to overdraft coverage for ATM transactions and one-time debit card purchases via Internet Banking at www.53.com on July 28, 2014. I apologize for any misunderstanding that may have occurred during your visit to the financial center. On November 13, 2014, your beginning balance was positive $1.68. One (1) merchant payment of $3.89 posted to your account. Your ending balance was negative ($2.21). Because this overdraft was less than $5.00, no overdraft fee was assessed. Your account remained overdrawn for the following six (6) days. During that time, seven (7) additional merchant payments totaling $24.15 posted your account, resulting in overdraft fees totaling $259.00. On November 20, 2014, a direct deposit of $592.71 posted to your account, bringing it to a positive balance. I have enclosed copies of the overdraft notices sent to you during that time for your review. It was certainly not our intention to cause you any hardship. As a valued customer, we waived overdraft fees totaling $75.00 on November 25, 2014. Unfortunately, we are not willing to waive any additional fees at this time. I am sorry for any frustration this may cause you. Our records show that you opted-out of overdraft coverage for ATM transactions and one-time debit card purchases when you contacted the Bank on November 19, 2014. Because you have opted-out, your ATM transactions and one-time debit card purchases will be declined when you do not have enough funds in your account, and no per-item overdraft fees will be assessed for those transactions.For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides additional information related to the overdraft fees that were assessed to your account and various ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage and overdraft protection options is also provided on the enclosed document. Please feel free to contact me directly at the phone number below should you have any questions regarding the enclosed information. I would be happy to assist you. Ms. [redacted], thank you for your patience while waiting for a response. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at [redacted], or toll free at ([redacted].Enclosures (5): Overdraft Notices and Overdraft Solutions for Consumers Documen

[redacted] Date: September 29, 2016 Account: [redacted] Regarding Your Cash Rewards MasterCard Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

Cash Rewards MasterCard 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. Enclosed is a copy of the promotional credit card offer that we mailed to you in June 2016. Included with the offer is a disclosure page with a section for fees that states there is a $5.00 or 4% fee for each balance transfer, whichever is greater. The offer directs you to review the disclosures for fee information. I confirmed that you submitted your application for the credit card online, and you submitted your request for the $5,500.00 balance transfer to [redacted] online at the time of your application. Please note that before the application can be submitted online, customers must check mark a box that states they have read and agree to the terms and conditions for the account. A link to the terms and conditions is presented as well to ensure customers have access to review all the terms, including associated fees. The application and any requested balance transfers are not submitted to the Bank until the applicant selects the box that states they read and agree to the terms and conditions and then clicks the “submit” button. I have enclosed a printed copy of the terms and conditions for the Cash Rewards MasterCard, which discloses the balance transfer fee. Please note that the terms and conditions were updated on September 1, 2016. Also enclosed is a copy of the previous terms and conditions for the account that were issued on December 29, 2015, which was made available to you to view online at the time of your application. The balance transfer fee information has not changed. I am sorry for the dissatisfaction and frustration you have experienced regarding the balance transfer fee totaling $220.00. As advised above, the fee was disclosed in the promotional material you received in the mail as well as in the Terms and Conditions you selected online that you read and agreed to. For this reason, we are unwilling to waive the balance transfer fee. I apologize for any distress this may cause you. I was able to review your phone calls to our Customer Service Department regarding the fee. I verified that multiple employees told you the only way to submit a balance transfer is by talking to someone over the phone who is required to disclose the fee. The information you received is not correct. Customers are able to submit balance transfers online at the time of the application, which is how yours was completed. Customers can also complete balance transfers by mail if we sent them a balance transfer offer for a new or existing account. Customers do also have the option to call the Bank to process a balance transfer, at which time the balance transfer information is provided verbally. A Bank employee is not required to call you and disclose the fee when it is completed via mail or online. You did not call the bank to process your balance transfer; therefore, you would have needed to review the disclosure you received by mail or the terms and conditions presented to you online. Please be assured that I have contacted the relevant Bank personnel regarding the incorrect information you received. We received your $247.00 credit card payment on September 26, 2016. As of September 26, 2016, your credit card account is current and no additional payment is due for the September 28, 2016, due date. Please see page two (2), section eight (8) of the September 2016 terms and conditions to verify how your minimum payment due is calculated. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Promotional Credit Card Offer, Terms and Conditions (2)

[redacted] Date: September 13, 2016 Account: [redacted] Account: [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Better...

Business Bureau regarding your Fifth Third Bank checking account. We appreciate the time you have taken to express your concerns and for bringing this matter to our attention. Because you previously filed bankruptcy, we are sending this correspondence in response to a request that we received. This letter is not an attempt to collect a debt. We understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience this matter might have caused you. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. Please be assured that we contacted the relevant parties to fully research your account and passed on your concerns. On February 28, 2000, you opened the Free Checking account ending in [redacted] at our [redacted] Banking Center. You were the sole owner of the checking account. The account was closed and charged off with a negative balance on July 30, 2008. Please be aware that the Bank is not required to retain records of any transactions for more than six (6) years. Therefore, the Bank is unable to provide you with a statement or the negative balance at the time the account was closed. The account was reported to [redacted] and was also sent to collections. However, our research determined the account is no longer reporting to [redacted]. If you would like to contact [redacted] to confirm that our reporting has been removed, you may contact [redacted], on the internet at [redacted], via telephone at ###-###-####, or by mail at: [redacted], Consumer Relations, [redacted] 
[redacted]. We no longer service the checking account, and Fifth Third Bank is not contacting you in regards to this debt. Please note our research determined the account was sold to [redacted] on June 16, 2010. The Bank has been made aware that [redacted] is no longer in service or taking calls; however, they could have sold your account to another collection agency. In your complaint, you state that a debt collector has recently contacted you. You can ask them to provide written validation, or proof, of the amount they claim you owe before making any payment arrangements. You may also wish to provide them with your bankruptcy information so they can determine if the debt has been discharged. In addition, you reserve the right to send the collection agency a written request to cease and desist any future telephone calls regarding the outstanding debt. Please be aware that while they may no longer make telephone calls to you upon receipt of your written request to cease and desist, the third party may proceed with further collection efforts or judgment as an industry practice. Our research also confirmed you had an installment loan with the property located as [redacted] as collateral. The Bank charged off this debt on March 31, 2012. The principal balance at the time the account was charged off was $6,402.43. Please note, the Bank is no longer attempting to collect this debt, and has reported the loan as discharged in bankruptcy with a zero balance owed. We appreciate your patience while we researched this matter. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com

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.   We DID NOT apply for 3 mortgage loans. We apply for one. Any additional such actions would have been instigated by Fifth Third via Diann P. and her in complacence  for keeping documentation which was already submitted in order and at hand, thereby requesting the same information several times, causing delays, not providing written requests as requested and basically stalling in processing the initial application. No I do not accept this response from Fifth Third. It is not accurate. I've supplied the documentation that addresses my conncerns and her at many times, non-professional response and delays. This does not justify the damage that it has caused both myself and [redacted].
 
Regards,
[redacted]

Please see attached response sent to the customer on January 15, 2015.January 15, 2015 [redacted] 
[redacted] 
[redacted] RE: Checking account [redacted] Dear [redacted] Thank you for the letter you sent to the Revdex.com regarding your...

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. Please be assured I have researched this matter fully. 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 January 5, 2015, the ending balance in your Essential checking account ending [redacted] was positive $1,347.22. On January 6, 2015, $1,347.21 was debited from your checking account to offset a balance owed by the joint owner on your account, ** [redacted] The ending balance in your checking account on January6, 2014 was positive $0.01. The beginning balance in your checking account on January 7, 2015, was positive $0.01. On that day, four (4) items posted to your account totaling $80.22. Due to insufficient funds in your account, four (4) overdraft fees were assessed totaling $148.00, which posted to your account the following day. The ending balance in your account on January8, 2015, was negative ($243.71). I have enclosed a copy of the Overdraft Notice that was mailed to you on January 8, 2015, for your review. Although we are unable to return the funds that were debited from the checking account, as a courtesy to you we reversed overdraft fees totaling $75.00 on January 12, 2015, and we also reversed overdraft fees totaling $203.50 on January 15, 2015. According to our Rules and Regulations which were disclosed to you when you opened your account, the funds in your account can be used to offset money owed to the Bank by any of the account owners on the account. I have enclosed a copy of the Bank’s Rules and Regulations for your review. Please see page ten (10) paragraph seven (7), for more detailed information. Third Bank, Member FDIC. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Mr. Roop, thank you for your patience while waiting for a response. It is a well-known fact that no business can survive without its customers, and I want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at (513) 358-2982, or toll free at (866) 360-5353. Sincerely, Adam Prussia Consumer Resolution Specialist Office of the President Enclosures (2): Rules and Regulations and Overdraft Notice