Fifth Third Bank

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]

[redacted]Date: June 3, 2015Regarding Your Mortgage Loan ApplicationDear [redacted]:We received a copy of the complaint you filed with the Revdex.com concerning your mortgage loan application. 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers' satisfaction.We completed our research of your mortgage loan application that was submitted on April 30, 2015, with an estimated closing date of May 29, 2015. Unfortunately, we have extended our processing times to finalize documents for loan closings somewhat due to the unusually high volume of loan applications we are receiving. On May 27, 2015, upon further review of the application, several conditions were placed on the file, and as you mentioned, were requested from you. On May 29, 2015, you indicated that you requested the IRS transcripts, but were unable to obtain these documents prior to the scheduled closing, due to IRS turnaround times. Because not all of the conditions were met for the application, we were unable to further review the application prior to the scheduled closing on May 29, 2015. I apologize for any frustration this may have caused you.When a mortgage loan application is received, several departments and individuals within the Bank work together to process the application, and communicate with the customer. We strive to provide you with an exceptional experience throughout the application process. From your complaint, it is clear we did not meet your expectations and, I am truly sorry we disappointed you.Thank you for your patience while we researched this matter for 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,[redacted]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. 
Regards,
[redacted]I was plainly STOLEN from and my signature was FORGED when in [redacted] last February. The bank wants the original receipt for the correct amount of approx. $40.00. I do NOT have this receipt, as I never received one. Why do they need this receipt? I am not fighting that charge! I am only fighting the 2nd purchase from that merchant! He made up a charge AFTER I LEFT the store!!!!!!The charge AFTER I LEFT THE STORE is the one I am disputing! Same merchant double charged my friend at the same time on THE SAME DAY…We both went in and out of the store together. He did it to her too and her bank refunded her money!I made 1 purchase and left! My ONLY  purchase was a picture frame…I DID NOT authorize an additional $245.15 after leaving the business!... All he says is I purchased 5000 pesos….What would I do with 5000 pesos???? 5000 pesos doesn’t even equal $245.15 !!!!!!The forgery is not even close to my signature!!!…FRAUD 100%...My last name is [redacted]…The guy clearly signed it [redacted]!Didn’t even spell it right & the bank accepted it as mine… IT IS NOT!!!Don’t bank’s have forgery experts??? They sure should as I have been FORGED !!!So, now I have been stolen from !!!I swear on my grandmother that I DID NOT MAKE ANOTHER PURCHASE!!!I can prove that my friend was stolen from  as well! Same day, SAME TIME.I am in total SHOCK that this bank is stealing from their customers!Please help me with this huge injustice !!!![redacted]

[redacted] [redacted] [redacted] Date: February 15, 2017 Account: [redacted] Regarding Your Transaction Dispute Dear [redacted]: We received copies of the complaints you submitted to the [redacted]...

[redacted] [redacted] and Revdex.com regarding your transaction dispute. We also received the letter you sent to Chad B., Executive Vice President. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. On behalf of the Bank, please accept my sincere apologies the difficulties you have experienced as a result of the fraudulent transactions on your checking account ending in [redacted]. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties in the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. When you filed the transaction dispute on January 26, 2017, the items in dispute were still pending and had not yet posted to your account. Unfortunately, since the merchants authorized the transactions we are unable to stop the items from posting to your account. Sometimes, however, the item will not post if a merchant knows the transaction to be fraudulent. Since we are unable to determine whether a transaction will actually post to your account, we are unable to post any provisional credits until the disputed items until the items posted to your account. Once the items post to your account, we will post provisional credits for the disputed items. This procedure was not intended to cause you any hardship, and I am sorry for any distress this caused. On January 31, 2017, we posted five (5) provisional credits totaling $3,361.51 to your account. These funds are available to you while we conduct our investigation. We strive to resolve all investigations as quickly as possible. Please allow up to forty-five (45) days for the investigation to be completed. You will receive final written documentation upon completion of our research. If would like to follow up with our Disputes Resolution Department directly, you can reach them at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. Please be sure to reference case number [redacted] when speaking with an agent. 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 ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: [redacted] Revdex.com Chad B., Executive Vice President

[redacted] Date: March 30, 2016 Account: [redacted] Regarding Your Real Life Rewards [redacted] Dear [redacted]: We received a copy of your rebuttal recently filed with the Revdex.com. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. As I stated in our prior response sent on March 3, 2016, the disputes resolution department is currently reviewing your case ([redacted]). After the review process is complete, the disputes department will send you notification of their final decision. If you would like to contact the disputes department directly, you can call them at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., Saturday, 8:30 a.m. to 5 p.m., ET. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. In the interest of customer service, we have extended the promotional rate on your Real Life Rewards [redacted] ending in [redacted]. The updated expiration date for the promotional rate is now September 29, 2016. The promotional rate is 0.00% for purchases and balance transfers. If you have any questions about this update to the promotional rates expiration date, please contact me at the number below and I would be happy to assist you. [redacted], I understand your frustration when this situation occurred and we appreciate your patience while we resolved this matter. Your feedback helps us to identify problems and to improve the level of service we provide to our customers. You are a valued customer and we look forward to serving your future financial needs. 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, Jennifer C.Office of the President

[redacted] Date: June 3, 2016 Account: [redacted] Account: [redacted] Regarding Your Checking Accounts Dear [redacted]: We received your complaint from the Revdex.com, regarding a check order...

fee charged to your account ending [redacted] and an overdraft protection fee charged to your account ending [redacted]. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, I apologize for the difficulties you have experienced. It was certainly not our intention to cause you any undue hardship or frustration. On March 7, 2016, a Basic Checking account was opened by you via the telephone with our New Accounts Department. A review of the call confirmed checks for this account were ordered at your request. However on March 25, 2016, the fee of $23.99 charged to your account was waived as a courtesy. Additionally, on September 5, 2015, a request to add Overdraft Protection to your checking account ending in [redacted] from your Relationship Savings account was processed. A review of the call confirmed the agent assisting you, did advise you of the $12.00 fee for Overdraft Protection. Your account overdrew on May 9, 2016, and Overdraft Protection processed a transfer to your checking account from your Relationship Savings account and the $12.00 fee was assessed. I have included a copy of the Overdraft Notice sent to you for your review. Please be advised that as a courtesy I have waived the $12.00 Overdraft Protection fee. However, no further compensation would be provided. We appreciate your patience while we researched this matter and apologize for any inconvenience this situation 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, Shannon K.Office of the President Enclosure: Overdraft Notice

[redacted] [redacted] ** [redacted] Date: March 22, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com regarding your...

checking 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. On September 29, 2014, you applied for a Fifth Third Bank Essential checking account via our website at 53.com. The account was opened the same day. Fifth Third Bank is required to allow consumer checking account customers to decide if they would like the Bank to approve Automated Teller Machine (ATM) and one-time debit card transactions if there are insufficient funds. We refer to this as overdraft coverage. When you opened your account online that day, the website asked if you wanted to enroll in overdraft coverage. If a customer selects “yes,” then a disclosure is opened and the customer must click that they agree to the disclosure that explains overdraft coverage. You selected that you agreed to the disclosure; therefore, you were opted in to overdraft coverage. Enclosed is a copy of the overdraft coverage letter that we mailed to you on September 29, 2014, confirming your overdraft coverage selection. Enclosed for your review is a copy of our Rules and Regulations that were provided to you, which also discloses the information regarding overdraft coverage. Page thirteen (13) provides additional details about overdraft coverage. Our records reflect that you have been opted in to overdraft coverage since the time the account was open until February 26, 2016, at 6:46 p.m. Enclosed for your review is a copy of the letter we sent to you on February 26, 2016, to confirm that you opted out of overdraft coverage. The beginning balance in your checking account on February 22, 2016, was $429.52. You received a $28.76 deposit that day, which increased the balance to $458.28. Five (5) transactions totaling $588.16 posted to the account that day. There were insufficient funds to cover your Automated Clearing House (ACH) transaction to Ally of $537.07. We paid the transaction and assessed one (1) $37.00 overdraft fee the next business day. Transactions continued to post to your checking account while the balance was negative, which resulted in additional overdraft fees being charged to your account. Your account returned to a positive balance on February 26, 2016, when you received a $1,959.99 direct deposit. You mentioned that your car payment, which appears to be the $537.07 ACH transaction to Ally, was returned to Ally as unpaid. Please be advised this was not the case, and we paid the funds. A total of $518.00 in overdraft fees was assessed to your account from February 23, 2016, through February 26, 2016. You are a valued customer and in the interest of customer service, we waived $74.00 of the overdraft fees as a courtesy. We are unwilling to waive additional fees at this time. I regret any distress this may cause you. Please be advised that the option to opt in or out of overdraft coverage applies only to one-time debit card purchases and ATM transactions. Declining overdraft coverage does not prevent ACH transactions, check items, bill payments, or recurring debit card purchases from posting to the account, and the transactions may be assessed overdraft fees if they post when there are not enough funds available. If a customer is opted out of overdraft coverage and a one-time debit card purchase or ATM transaction is approved but then posts to the account while it has a negative balance, we will not assess overdraft fees for those transactions. The transaction to Ally was an ACH item and therefore would still have been approved if you had declined overdraft coverage, and the associated overdraft fee would have been charged. Your one-time debit card and ATM transactions that were approved before February 23, 2016, would not have been charged fees when they posted to the account. Additionally, any one-time debit card and ATM transactions attempted while the account was negative would have been declined. You mentioned that you were unable to find information about overdraft coverage on our website. Please be advised you can access information regarding overdraft coverage by logging into your accounts online at 53.com and clicking on the “Service Center” tab. On the next page within the second (2nd) blue box on the left side is a link that says “Overdraft Coverage Preferences.” By clicking that link, you can view the information about overdraft coverage as well as opt in or out of overdraft coverage. Enclosed is a copy of the Overdraft Coverage Disclosure available to you on that page. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna T. Office of the President Pc: Revdex.com Enclosure: Rules and Regulations, Overdraft Coverage Disclosure, Opt In Letter, Opt Out Letter, Overdraft Notices (6)

[redacted] Date: August 3, 2016 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to hear about the...

difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. To prevent an overdraft situation, you have the ability to review your account at an ATM (Automated Teller Machine), on our website at 53.com, through mobile banking, or by calling our Customer Service Department at ###-###-####. If the account becomes overdrawn, an overdraft notice is generated that includes a detailed breakdown of the day’s transactions. This overdraft notice is also available to view online at 53.com. As part of your checking account relationship, Overdraft Coverage allows payments and purchases to be made even if you don’t have enough money in your account. You have the option of enrolling in Overdraft Coverage for ATM transactions and one-time Debit Card purchases. In addition, a customer can change their Overdraft Coverage options at any time at a banking center, online at 53.com, via mobile banking, and over the phone by calling ###-###-####. ** Accepting, or opting in, to this service allows you to make Debit Card purchases or ATM withdrawals even if you don’t have enough money in your account. However, there are fees for each item the bank pays when there are insufficient funds in your account. ** Opting out of Overdraft Coverage for ATM transactions and one-time Debit Card purchases means that transactions will be declined in the event you do not have enough funds in your checking account. ** If the Bank is presented with checks, online bill payments, and ACH (Automatic Clearing House) items, we are obligated to make a decision on whether to pay or decline an item, which may cause either an overdraft fee or a return item fee. If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account is overdrawn. We do not assess overdraft fees on pending transactions and per item overdraft fees will not be assessed if your account is overdrawn by $5.00 or less at the end of the business day. The amount of the per item overdraft fee is based on the number of times your account has become overdrawn in the last twelve (12) months. For the first overdraft occurrence, you are charged $25.00 per item. The second occurrence and higher is $37.00 per item. On July 6, 2016, you updated your Overdraft Coverage enrollment to opt in which allowed a $300.00 ATM cash withdrawal to be completed. The cash withdrawal overdrew your checking account by ($163.29). You opted back out of Overdraft Coverage on July 7, 2016. No ATM withdrawals or debit card purchases that posted after July 7, 2016, were assessed an overdraft fee because they were actually done before July 7, 2016. There were five (5) ACH transactions presented for payment while the account carried a negative balance. All of the items were paid, however a $37.00 overdraft fee was charged for each one. The account became positive after your direct deposit on July 15, 2016. We strive to provide professional and accurate information to our customers, and I regret the difficulties you have encountered regarding your account. Because you are a valued customer, two (2) overdraft fees totaling $74.00 were reversed on July 12, 2016, as a courtesy to you. Therefore, we are not willing to waive additional fees at this time. I appreciate this opportunity to address your concerns. Please know that our executive management regularly reviews customer feedback as part of our commitment to improving our operations. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

[redacted] Date: July 15, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you submitted 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 researched this matter thoroughly 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. Our records show that you first contacted Auto BillPayer on April 29, 2016, to set up automatic monthly payments for your installment loan ending in [redacted], and your installment loan was set up with the service on May 6, 2016. Unfortunately, the incorrect start date for your automatic payments was entered in error, so Auto BillPayer did not withdraw your payment due on May 30, 2016. As a result, your installment loan became past due. On June 30, 2016, Auto BillPayer withdrew your monthly payment; however, since the May 2016 payment had not yet been satisfied, that payment satisfied your May 2016 payment rather than your June 2016 payment. As of July 14, 2016, your installment loan is still due for your June 2016 payment of $1,796.47. It was certainly not our intention to cause you any hardship. On July 11, 2016, we waived the two (2) late charges totaling $20.00 that were assessed for your May 2016 and June 2016 payments. An update was also submitted to all four (4) credit reporting agencies to remove any delinquency that was reported as a result of the May 2016 payment not being withdrawn. However, our research shows that your installment loan was not reported as delinquent to the credit reporting agencies as a result of this error. The next Auto BillPayer withdrawal is scheduled for July 29, 2016. Please note that if your due date falls on a weekend or holiday, the payment will be withdrawn on the business day prior to the due date. As our Escalations Department informed you, you will need to satisfy the June 2016 payment in order to prevent further delinquency. It is our understanding that you requested for Fifth Third Bank to cover the payment. Unfortunately, we are unable to cover this payment as it is still your responsibility. Please be aware that if you do not satisfy your June 2016 payment prior to your next payment being withdrawn on July 29, 2016, your installment loan may be reported as delinquent to the credit reporting agencies, and additional late charges may be assessed. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

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]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 10974426, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I will be discontuing my relationship with 5th/3rd bank as they are unwilling to admit that charging $518 in fees on a $77 overdraft is outrageous, excessive, and/or unfair to their customers. They run debits from large to small in order to maximize the amount of fees they can charge. Additionally the bank manager encouraged me to sign up for a credit card in response to an overdraft. Again this predatory when I've obviously had issues keeping enough money for living expenses a credit card would be a bad idea. I was told repeatedly that their system wouldn't allow any reversed overdrafts. The next day I received a call from a branch manager that he was able to reverse fees. They lie to consumers to suit their needs. I left a review on their [redacted] page and it was deleted. They are a dishonest company. I will take my business elsewhere.
 
Regards,
[redacted]

Our response dated February 12, 2016, was the final response to Revdex.com Complaint ID #[redacted]. We've already addressed all of the concerns in the previous responses.Thank you,[redacted]Fifth Third Bank | Office of the President

[redacted]Date: June 9, 2015 Account: [redacted]Regarding Your Business Debit MasterCard and Checking AccountDear [redacted]:We received a copy of
your rebuttal recently filed with the Revdex.com. We appreciate the
time you have taken to document your thoughts and concerns regarding this
matter. Please accept my sincere apology that our prior response did not answer
all of your questions.Our records indicate
that you currently have three (3) dispute cases open with Fifth Third Bank. Two
(2) of the cases are merchandise disputes and one (1) is a fraud claim. The
fraud claim was filed on May 14, 2015, for a charge that posted on April 13,
2015, in the amount of $296.74 for [redacted]. The Bank gave you
provisional credit for the fraud claim two days after you filed the dispute, on
May 16, 2015.As
I stated in my prior response, the type of dispute you are referring to in your
complaint is with [redacted] Fifth Avenue, in the amount of $1,262.87 and is called a
merchandise based dispute. The Bank has a timeframe of up to 120 days to
conduct our investigation and complete merchandise based disputes. During that
time, we will research your dispute with the merchant and provide a decision to
you upon completion of our research. Should our research support your dispute,
final credit will be issued to your account. However, if our research does not
support your dispute, we will notify you by mail. The purchase in question is
something that you did in fact purchase and not an error on your statement.
Please note, merchandise based disputes are not covered by federal regulations.
However, the Bank researches these disputes for our customers as a courtesy if
they are unable to resolve with the merchant themselves. The Bank does not
provide provisional credit for merchandise disputes. On behalf of the Bank,
please accept my sincere apologies that this information was not clearly explained
in our prior response.[redacted], you
reference federal law requirements in your rebuttal to the RevDex.com. Error resolution for consumer debit card accounts is covered in
Regulation E. The Bank follows the requirements as outlined in Regulation E for
error resolution for consumer debit card accounts. It should be noted that your
accounts are business accounts and are not covered by Regulation E.Fifth Third Bank, Member FDIC.         Equal
Housing Lender. Fifth Third and Fifth Third Bank are registeredservice marks of Fifth Third BancorpWe 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,[redacted]Office of the PresidentPc: Revdex.com Enclosure: Prior
response

[redacted] Date: July 15, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you submitted 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 researched this matter thoroughly 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. Our records show that you first contacted Auto BillPayer on April 29, 2016, to set up automatic monthly payments for your installment loan ending in [redacted], and your installment loan was set up with the service on May 6, 2016. Unfortunately, the incorrect start date for your automatic payments was entered in error, so Auto BillPayer did not withdraw your payment due on May 30, 2016. As a result, your installment loan became past due. On June 30, 2016, Auto BillPayer withdrew your monthly payment; however, since the May 2016 payment had not yet been satisfied, that payment satisfied your May 2016 payment rather than your June 2016 payment. As of July 14, 2016, your installment loan is still due for your June 2016 payment of $1,796.47. It was certainly not our intention to cause you any hardship. On July 11, 2016, we waived the two (2) late charges totaling $20.00 that were assessed for your May 2016 and June 2016 payments. An update was also submitted to all four (4) credit reporting agencies to remove any delinquency that was reported as a result of the May 2016 payment not being withdrawn. However, our research shows that your installment loan was not reported as delinquent to the credit reporting agencies as a result of this error. The next Auto BillPayer withdrawal is scheduled for July 29, 2016. Please note that if your due date falls on a weekend or holiday, the payment will be withdrawn on the business day prior to the due date. As our Escalations Department informed you, you will need to satisfy the June 2016 payment in order to prevent further delinquency. It is our understanding that you requested for Fifth Third Bank to cover the payment. Unfortunately, we are unable to cover this payment as it is still your responsibility. Please be aware that if you do not satisfy your June 2016 payment prior to your next payment being withdrawn on July 29, 2016, your installment loan may be reported as delinquent to the credit reporting agencies, and additional late charges may be assessed. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] [redacted] [redacted] Date: October 17, 2016 Regarding [redacted] Vehicle Loan Dear [redacted]: We received copies of the complaints you submitted to the Revdex.com (Revdex.com) and [redacted]...

[redacted] regarding [redacted] vehicle loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. 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 researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On August 5, 2016, we received notice that [redacted] had passed away. On that date, Ms. [redacted] vehicle loan was past due for the July 15, 2016, payment. On August 31, 2016, our Collection Department was notified of your intention to sell the vehicle. Since [redacted] was deceased, we required payment in full of the loan to release the title to the vehicle. On September 20, 2016, we referred the vehicle for repossession because no payments had been received, and the loan was over sixty (60) days past due. On September 21, 2016, at 3:30 a.m., we repossessed the vehicle. The payment of $600.00 that you made on September 20, 2016, was processed after the end of business that day, so we would not have seen the payment posted to the loan before the vehicle was repossessed. After receiving your complaints, on September 29, 2016, we arranged to have the vehicle towed to [redacted] so that you could sell the vehicle and pay off the loan. We also agreed to waive the repossession fee of $490.00. On October 5, 2016, we received the final payment of $3,996.01 to pay off the loan in full. Please allow seven (7) to ten (10) days for us to send the lien release electronically to the [redacted] BMV (Bureau of Motor Vehicles). A notice of lien release will also be sent directly to [redacted]. Once the lien has been released, [redacted] can obtain a lien-free paper title from the [redacted] BMV. It was certainly not our intention to cause you any hardship, and we hope that this letter resolves your needs. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D. Office of the President Pc: Revdex.com, [redacted]

[redacted] Date: January 20, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your checking...

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. You processed an Online Bill Payment via our website at 53.com to your [redacted] credit card account for $4,500.00. You scheduled the payment to process from the checking account ending in [redacted] on November 30, 2016. When the payment processed as requested on November 30, 2016, there were insufficient funds in the checking account to cover the transaction. As a result, the $4,500.00 was returned by the Bank as unpaid. Please note that Online Bill Payments are sent as a check to the payee or they are submitted via an Automated Clearing House (ACH) transaction. If the payment is made via ACH, our Online Bill Payment vendor pays the bill with their own funds. The vendor then drafts the payment from your account to reimburse the funds they used to pay your bill. This means that [redacted] received the $4,500.00 payment, but the money was unable to be drafted from your account. Our vendor will attempt to draft the funds multiple times from the account you selected in an attempt to reimburse. If the vendor is unable to be repaid, then the customer’s information is sent to the vendor’s collection department. The $4,500.00 was processed on November 30, 2016, December 5, 2016, and December 8, 2016. Each attempt was returned as unpaid for insufficient funds. As a result, your account was charged one (1) $25.00 returned item fee and two (2) $37.00 returned item fees. The fees assessed to the account are listed on page three (3) of the enclosed Rules and Regulations. I confirmed that you successfully made the payment to [redacted] from your checking account ending in [redacted] on December 2, 2016, using the Online Bill Payment system. Please note that scheduling a separate successful payment does not cancel out the previously unsuccessful payment. The payments are separate from each other. Our Online Bill Payment vendor was able to receive a refund of the $4,500.00 they paid to [redacted] that they were unable to recoup from your checking account ending in [redacted]. I understand that you requested to have all fees related to the Online Bill Payment reversed. I verified that $74.00 of the total $99.00 in returned item fees have already been waived. Because we value your relationship with the Bank, and because we empathize with the issue you experienced, we reversed the remaining $25.00 returned item fee in the interest of customer service on January 18, 2016. Please note that it is each customer’s responsibility to ensure there are available funds in the accounts from which they have scheduled Online Bill Payments. The Bank and the Bank’s Online Bill Payment vendor will not send a warning to the customer if there are insufficient funds to make or schedule the payment. You also mentioned that due to the [redacted] transaction processing multiple times, your account ending in [redacted] was converted from a savings account to a checking account. Please be advised that Federal Regulations limit the number of electronic withdrawals that can be processed from a savings account. Page twenty (20) of the Rules and Regulations provides information regarding savings account transactions. You are allowed six (6) electronic withdrawals of the following types each month: ** Automatic transfers from a savings account to cover an overdraft via Overdraft Protection ** Transfers of funds or bill payments to third (3rd) parties or other deposit accounts at Fifth Third Bank ** Preauthorized ACH or Electronic Transfers ** Fifth Third Telephone Banking or any money management payment from your savings account ** Point-of-sale transactions with a debit card ** Checks or drafts payable to third parties After three (3) instances in twelve (12) months of exceeding the allowable number of monthly withdrawals or transfers, your savings account may be closed and the funds transferred to a checking account. Enclosed are copies of the letters we sent to you on February 27, 2015, March 31, 2016, August 31, 2016, and September 30, 2016, notifying you that you had exceeded the limit of restricted savings account transactions. You exceeded the transaction limit three (3) times in a twelve (12) month timeframe. Per the letter issued on September 30, 2016, we converted the savings account ending in [redacted] to a checking account to comply with Federal Regulation. The account conversion occurred in October 2016, which was prior to the attempted [redacted] card payments. Per the notice, the checking account has an $11.00 monthly service fee, which is reduced to $8.00 if you have direct deposits totaling $500.00 or more. Please be advised that we are not permitted to convert the checking account back to being a savings account. If you would like to determine if a different checking account type would work best for you, I encourage you to visit a Banking Center or contact our New Accounts Department at ###-###-####. That department is available to assist you Monday through Friday from 8 a.m. to 8 p.m., ET, and on Saturday from 8 a.m. to 5 p.m., ET. 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: Rules and Regulations, Limited Transactions Notification

November 3, 2014 [redacted]Re: Credit Card Account XXXX-XXXX-XXXX-[redacted]Dear Ms. [redacted],We received a copy of your complaint filed with the Revdex.com, concerning your credit card account ending in [redacted]. We appreciate the time you have...

taken to express your concerns 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 or hardship. Our records show that you have chosen paperless statements for your credit card account. Per your request, paper statements are no longer mailed to you. This information and a copy of your credit card statement can be obtained from www.53.com.On May 18, 2014, we issued your paperless credit card statement requesting a minimum payment of $[redacted] by June 15, 2014. Since we did not receive your minimum payment by the due date, a late charge of $[redacted] was assessed on June 17, 2014. We do not show that any payments were received.On June 18, 2014, we issued your credit card statement requesting a minimum payment of $[redacted] by July 15, 2014. Your payment for $[redacted] posted to your account on July 7, 2014. Since we did not receive your complete minimum payment by the due date, a late charge of $[redacted] was assessed on July 16, 2014. Your credit card account is considered [redacted] if we do not receive the total minimum payment by the due date. Since your credit card remained [redacted] during two (2) consecutive months, the account was revoked and cancelled on August 18, 2014. Due to this reason, you are no longer able to use the card. Our records also show that our Collection Department made several attempts to contact you by phone regarding the past due payments on your credit card account. Currently there is a minimum payment of $[redacted]due by November 15, 2014. For your review, I have included your credit card statements from May 2014 through October 2014. We have completed our review of the payment history reporting on your credit report for your credit card account. Our review determined that the information provided to the credit reporting agencies is accurate. We are required to report accurate information to the credit reporting agencies and we are unable to change our reporting unless it directly relates to a bank error. Therefore, we are unable to remove the delinquencies or the revoked status from your credit card account. If you would like to contact the credit bureaus directly, their contact information can be found below:[redacted] [redacted] [redacted] [redacted] [redacted]researched your request. If I could be of further assistance to you, please call me at [redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosures (6): Credit Card Statements

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.  Their response was just a restatement of their previous position without regard to the individual needs of an 88 year old customer without computer or telephone skills.  That is the same position taken by the staff at the branch.  We would like to remain customers, but we feel that justice demands that this issue be resolved completely in our favor and a complete refund of all dormant and monthly fees totaling $278, which has been wrongfully retained by Fifth Third Bank.
Regards,
[redacted]

I have not received the 1200.00 dollars I deposited into there ATM machine when it shut down. They tell me that they can not find d it is a lie. Because I deposited the money in there ATM machine. I have read reviews from fifth third with people having the same complaint as I do. Actually when I looked at the complaints the very first one was the same as mine. And fifth third told them they have been having problems for awhile with there ATM machines. Till I get my money this will never be resolved. I don't know if u or fifth third is this thinking I'm doing this for a game? But I'm getting really pissed now at the action s from them and from the Revdex.com. I have now got the Federal reserve Involved in the matter.

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 did review the response from Fifth Third and the situation has not been handled or even properly addressed. The executive wrote about an overdraft fee from June 15th, a $37 fee. This was not a concern, I had already had to call on the 16th and speak to a representative about that.She did not mention the events on which  I sent the complaint, On the 24th, there was a $37 feeThere was another on the 25th, for $37. Both of which I own up to and is my fault but it is everything after that I have an issue with. The next day on the 26th a check was deposited for $445, which the bank held to post until the 29th. Another late fee posted on the 26th, for $74. I spoke with a representative on the  on the 29th, she told me that deposit could be held until the July 7th, though I had chased the exact same check the last week. She did reverse $49 from the total over all fees. Minutes after getting off the phone, another $37 over draft fee posted. I then had to call and speak with a supervisor on June 30th, who said he could only reverse the most recent $37 fee.   I was charged $185 for a 4 day period and was told I was charged (1) $37 fee. I also didn't appreciate being told " out of concern for customer care" that they returned $74.They charged that fee while money was available and I had to put all the effort in to call many times. Thank you so much for your time and help. 
Regards,
[redacted]