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]

November 20, 2014 
[redacted] 
[redacted] 
[redacted] 
Re: Lien release on Installment Loan account ending in[redacted] 
Dear Ms. [redacted], 
We received a copy of your complaint recently filed with the Revdex.com...

regarding the lien release on 
your installment loan ending in [redacted]. 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. 
We strive to provide quality service to all of our customers, and I am sorry for your unsatisfactory experience during 
your previous attempts to resolve this matter. According to our records, the installment loan account ending in [redacted] 
is closed with a [redacted] balance as of September 25, 2014. The first lien release was submitted on October 20, 2014. 
Unfortunately, due to the [redacted] Commitment never being received, it was declined on October 22, 2014. The second 
lien release request was submitted on October 31, 2014 and processed on November 3, 2014. Fifth Third Bank 
received the [redacted] Commitment from [redacted] and sent the lien release to the Register of Deeds for 
[redacted], WI. Unfortunately, there was an error with the legal description and the county returned the lien 
release to Fifth Third Bank for correction. The corrected lien release was sent to the county on November 13, 2014. 
At that time, the Bank also sent a copy of the release to [redacted] at [redacted] to allow the 
scheduled closing to take place. On November 19, 2014, I spoke to a representative at the Register of Deeds 
department for [redacted], WI, and she stated that they received the lien release and it has been processed as of 
November 17, 2014. 
Ms. [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. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may 
have caused 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 
Pc: Revdex.com

[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

[redacted] Date: January 26, 2017 Account: [redacted] Account: [redacted] Regarding Your Recent Debit Card Dispute Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau concerning your recent debit card dispute. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that Fifth Third Bank takes your feedback regarding your experience very seriously, and I have contacted the relevant parties to pass on your concerns. We strive to provide professional and accurate service to our customers, and I regret if the service you received did not meet the same high standards. On September 13, 2016, a $270.75 charge posted to your checking account, the merchant was [redacted]. You contacted the Dispute Resolution Department to file a claim. The Dispute Resolution Department opened an investigation on the unauthorized transaction. Please find enclosed a copy of the letter mailed to you on September 16, 2016, informing you of the case number [redacted]. This letter also informed you that additional research was required and the investigation may take thirty-one (31) calendar days. For your convenience we have also enclosed the provisional credit letter mailed to you on November 17, 2016. This letter informed you that the Bank had provided you with credit for the full amount. It should be noted, this credit was not permanent, and the investigation was still ongoing. On January 3, 2017, the Dispute Resolution Department closed their investigation and denied your claim that the charge was unauthorized. Please find enclosed the documentation provided to the Disputes Resolution Department from the merchant. The letter informed you that the provisional credit would be removed from your account. Included in the merchant’s documentation is a letter from the merchant dated December 7, 2016. In this letter, the merchant states that you were made aware of the $30.00 resort fee on two (2) occasions. The resort fee was disclosed when you made your reservation with [redacted], and also during your telephone call with the merchant on September 1, 2016. The $270.75 charge included a $225.75 in resort fees, and $45.00 for a mirror missing from your room. The Disputes Resolution Department considers this investigation closed. It was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. We value your relationship and look forward to fulfilling all of your financial needs for years to come. 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 Enclosure: Letters (2) Merchant Documents

They have not contacted me and keep insisting on treating my account as regular checking I had payee account with for over 2 years never got got charged but now I am my own payee I am being charged

Thank you, im sorry for the confusion I never intended to accept there respond.  I was have trouble entering my respond.  So I sent and additional respond regarding the subject matter yes I would very appreciate Revdex.com help. Fifth third is not fully disclosing there banking policy also they are holding my life in there hands with my financial status by placing on a list that does not allow me to move forward with credit or to pursue a mortgage.  Thank you [redacted]

[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] [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]

The final response to the customer's rebuttal is below. We will be sending the attached documents along with the Rules and Regulations, and the transaction register in the mail with our response. [redacted] 
[redacted] Date: February 21, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the rebuttal complaint you submitted to the Revdex.com regarding your checking account. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. However, we stand by the response conveyed to you in our previous letter dated January 27, 2017. I have enclosed a copy of that letter for your review. Our position on this matter has not changed. As we explained in our prior response, non-timed stamped transactions are collected during overnight processing. They will not show as pending or be visible to you until the following business day. These transactions are authorized by you. If you do not have sufficient funds to cover these transactions you may request Fifth Third Bank to place a stop payment to avoid an overdraft. A stop payment is assessed a $33.00 fee. Alternatively, you may contact the payee and cancel the transaction. I have enclosed a copy of our current Rules and Regulations for your convenience. Please refer to page eleven (11) for more information on how we process transactions. Your most recent overdraft occurred on February 9, 2017. On that day, the beginning balance in your checking account was $5.54. Two (2) web initiated payments totaling $11.28 posted to your account. As explained above, the items were posted to your account when they were received by the merchants during overnight processing. Your account had a negative ending balance of ($5.74). Due to insufficient funds, two (2) overdraft fees totaling $74.00 were assessed and posted to your account the following business day. On February 10, 2017, your account had a negative beginning balance of ($5.74). Two (2) web initiated payments totaling $19.99 posted to your account, as well as the $74.00 in overdraft fees assessed for the previous business day. Again, the items were posted to your account when they were received by the merchants during overnight processing. Your account had a negative ending balance of ($99.73). Due to insufficient funds, two (2) overdraft fees totaling $74.00 were assessed and posted to your account the following business day. I have enclosed copies of the overdraft notices we sent to you on February 10, 2017, and February 13, 2017, for your review. As of February 16, 2017, your account has a negative available balance of ($173.73). I urge you to visit a Fifth Third Bank banking center as soon as possible to deposit funds to bring your account to a positive balance. It was certainly not our intention to cause you any hardship. However, we are unable to waive any additional overdraft fees due to bank policy. You may also want to consider using a transaction register to help keep track of the items that are going in and out of your account. Many customers find this beneficial because it helps to avoid overdrawing your account. For your convenience, I have enclosed a transaction register, but please know that transaction registers are free at any Fifth Third Bank banking center. Thank you for your patience while we further researched this matter for you. We 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 ###-###-####, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Previous response letter, Rules and Regulations, Overdraft notices, Transaction register

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 appreciate the inquiries for the loan being removed. But my concerns and grievance still remains.
At the initial review of the appraisal no concerns about the non-conforming property were mentioned. Even after multiple visits and/or phone calls with the lender about items needed for the application nothing was mentioned as a problem from the underwriters. It wasn't until the appraiser suggested a lower value of the property and it was RESENT that there was a problem with underwriting approving the loan. If I had been made aware of issue with the non-conforming property after the initial application was sent to underwriting I would not have not pursued the property and hired an inspector. I feel that the bank did not follow protocol and caught their mistake during the 2nd underwriting. I was told one week before closing that the property was non-conforming. I do not feel that I should have to pay for the banks mistake. I wish to be reimbursed for the application fees, appraisal fees, and the funds I dispersed for a home inspection and radon testing for a property that did not meet the banks guidelines.
Regards,
[redacted]

[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] 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

Please find attached a copy of the letter and enclosures being mailed to the customer today. Thank you. January 21, 2015[redacted]Re: Installment Loan [redacted]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 the difficulties you have experienced with your installment loan. We strive to provide exceptional service to our customers, and I am sorry if we failed to meet your expectations. 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 March 4, 2014, you agreed to a sixty (60) month installment loan of $11,286.60 with a monthly payment of $225.05 due on the eighteenth (18th) of each month beginning on April 18, 2014. If your vehicle becomes a total loss during the life of the loan, you are required to continue making payments until your loan is paid in full. I have enclosed a copy of your installment loan contract for your review.On October 21, 2014, our Collection Department was informed that the vehicle securing your installment loan was declared a total loss as of October 15, 2014. When they spoke with you on that day, they informed you that you were still required to make payments on your installment loan. On October 28, 2014, our Collection Department faxed the necessary paperwork to your insurance company to disburse the funds from your claim. On November 7, 2014, your insurance company informed our Collection Department that a check was being issued that day. When we did not receive the check from them, your insurance company told our Collection Department on November 21, 2014, and again on December 26, 2014, that they would be issuing a new check. On January 5, 2015, we received and posted the insurance check of $6,545.18, with an effective date of October 15, 2014. However, your insurance did not pay the installment loan balance in full. Pursuant to the terms of the enclosed installment loan contract, you are liable for paying the remaining balance.We have not received any payments from you since October 8, 2014. As of January 8, 2015, your installment loan is past due for your November 2014 and December 2014 payments totaling $450.10. In order to make arrangements for payment, please contact our Collection Department at ###-###-####. Any agent will be happy to assist you. Please be aware that if your installment loan remains past due, we may assess additional late charges, send negative reporting to the credit bureaus, and refer your installment loan to an outside collection agency or attorney to initiate legal action against you.It was certainly not our intention to cause you any hardship. However, it is your responsibility to maintain timely payments while an insurance claim is pending. Therefore, we are not willing to waive any late charges. I am sorry for any frustration this may cause you.     Per your request, I have also enclosed a payoff statement dated January 7, 2015. As of that date, the payoff of your installment loan is $3,726.61, with interest accruing by $0.71 daily. If you would like to pay off your installment loan, you may send a check or money order to the address on the payoff statement.You also expressed concerns about having to maintain insurance on the vehicle. Although full coverage vehicle insurance is required for the life of the loan, because your vehicle was declared a total loss, you are no longer responsible for maintaining insurance on it. Please also be assured that your installment loan has been removed from our insurance department’s tracking so that force-placed insurance will not be added to your installment loan when you cancel your current policy.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 ###-###-####.Sincerely,[redacted]Senior Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosures (2): Installment Loan Contract and Payoff Statement

[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 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

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]

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]

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] ** [redacted] Date: February 7, 2017 Savings Account: [redacted] Secured Credit Card Account: [redacted] Secured Credit Card Account: [redacted] Regarding Your Identity Theft Claim Dear [redacted]: We...

received the complaint you filed with the Revdex.com regarding your credit bureau reporting and your concerns about identity theft. We appreciate the time you have taken to express your concerns regarding this matter. Fifth Third Bank takes protecting financial and personal information very seriously. I also appreciated the opportunity to speak with you. On April 23, 2012, the Secured [redacted] Credit Card ending in [redacted] was opened. It was secured by funds on deposit in the savings account ending in [redacted] opened the same day. The credit card was reported lost, or exposed, November 16, 2012. It was blocked and the replacement card ending in [redacted] was sent. The account was revoked due to non-payment, and funds from the savings account were transferred to pay the credit card down on February 27, 2014. The remaining balance on the card was paid in full on September 10, 2014. The savings account was closed at a zero (0) balance July 14, 2014. Due to your statements that these accounts were opened without your authorization, a case was opened with our Dispute Resolutions Department. The case number is [redacted]. We strive to resolve all investigations as quickly as possible and will communicate the results of the investigation in writing once our research is complete. In addition, the Bank will submit any necessary updates to the credit bureau reporting agencies. If you would like to contact our Dispute Resolution Department, they can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President

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