Fifth Third Bank

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

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] Date: March 17, 2017 Account: [redacted] Regarding Your Transaction Dispute Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

your transaction dispute. 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. On February 28, 2017, our Disputes Resolution Department opened case number [redacted] to investigate your dispute of a transaction in the amount of $343.88 from [redacted] that posted to your checking account ending in [redacted] on February 17, 2017. During their investigation they discovered that the disputed transaction was a recurring payment that you attempted to cancel on the same day it was supposed to be withdrawn from your account. Therefore, your dispute was denied and a letter was sent to you on March 1, 2017, informing you that your dispute had been denied. The denial reason was listed as follows: Cancellation for a preauthorized transfer must be provided to the merchant prior to the posting date of the preauthorized transaction. I have enclosed a copy of the denial notice for your convenience. Please note that the disputed transaction of $343.88 was returned unpaid on February 21, 2017, and a returned item fee of $37.00 was assessed. The returned item fee of $37.00 was waived on February 28, 2017, when you contacted the Bank about your dispute. Because the transaction was returned unpaid and your dispute was denied there are no funds to credit to your account. Thank you for your patience while we conducted our research. We value your business and look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

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. 
53 states in their letter that they did receive a payment of $25K+ but yet will count none of this payment towards the monthly payment owed. Yes I did agree to making a monthly payment for $437 and this company received $25K of a payment in the month of Sept. This payment was more than good enough to cover the Sept payment. IF the 25K+ only goes towards principal I'm sure it covered principal plus some non principal balance. How much of this payment went towards non principal? I reversed payment because I was informed to do so by a 53 customer service employee! They told me since 53 now knew that insurance was taking over with [redacted] they would understand and not pressure payments esp since they will be getting a good check from insurance company and knew [redacted] was involved. Then I start to get phone calls stating they were going to report me to the credit bureau for being late. Train your employees on proper business matters. From my personal experience with 53 from this I would never bank with you nor hold a credit anything with this company.  I still cannot believe you get a check for $25K+ and still expect another extra payment this month, greedy. I will be fighting this 30 day late report to my credit bureau, train your employees to tell customers correct things. I trusted your employee knew what was happening and was giving me correct advise. To find out they had no clue what they were saying which in turn hurt me.   
Regards,
[redacted]

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

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:          August 18, 2015Account:                [redacted]Regarding Your Recent InteractionsDear [redacted]:We received a copy of your complaint submitted to the Revdex.com regarding your recent interactions with the Bank. Please be assured that Fifth Third Bank takes your feedback seriously, and Iappreciate the time you have taken to communicate your continued thoughts and concerns on this matter.On behalf of the Bank, please accept my sincere apologies for any inaccuracies you feel were included in the previous response. We want you to know it was certainly not our intention to cause you any difficulties or frustration surrounding this matter.We regret the confusion surrounding this issue, but as stated in our letter dated July 30, 2015, the check that was deposited into your checking account ending in [redacted] for $819.50 at a Fifth Third Bank ATM on July 21, 2015, was held due to the age of the account. This hold was on your account from the date of the deposit review, July 22, 2015, and was released after a seven business day hold. A business day is defined as Monday through Friday, excluding Federal holidays. It has been verified that the hold was removed and the funds were available to you on August 1, 2015.As previously communicated, on the day of your deposit, a combined $100.00 from all deposited checks is available immediately; the remaining funds will be made available on the next business day. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday, or a Federal holiday, the day of your deposit is the next business day. ATM deposits received after the cut-off time of 7:00 PM EST (Eastern Standard Time) will be treated as deposited on the next business day. Our previous response to you with further detail is included with this correspondence.I apologize that you are unhappy we are unable to specifically address your interactions with the sales staff at the Lombard-Downtown banking center. As stated previously, due to your indication that your discussions during visit were not completely in your best interest we are looking into this portion of the matter further. Please be advised that Case # C1507617289 has been opened with our Fraud Detection Department to investigate the matter. They will submit any necessary updates, if applicable, when their review is complete.While we strive to resolve all investigations as quickly as possible, please allow up to sixty (60) days for these updates to be submitted. Final written confirmation will be sent to you from the Fraud Detection Department. If you would like to follow up with them directly, they can be reached toll-free at ###-###-####, Monday through Friday: 8:00 a.m. to 6:00 p.m., ET. It was certainly not our intention to cause you any hardship either at the branch location or with our prior response. Please be assured that in addition to opening an investigation, we have researched this matter fully, and appreciate your feedback as it assists us in identifying problems and continuously improving on the level of service we provide to our customers. However, I cannot inform you of specific internal correction actions that may be taken to resolve this matter.Regarding your other complaints mentioned involving your boyfriend’s account, we stand by our previous response in which we regret the experience had at the Lombard-Downtown banking center, but are regrettably unable to research this issue further without discussing the matter with him directly as the account holder. This is an attempt at avoiding fraud or information exposure. I’m sorry for any inconvenience this causes either of you. If he chooses to reach out to me he may contact me at the phone number below, or may send the information to the following address:Fifth Third BankOffice of the President Attn: Sarah S.[redacted]Alternatively, you may fax this information to my attention at ###-###-####.To avoid further frustration on your part while trying to obtain the $150.00 bonus as part of the [redacted] new account marketing promotion I spoke to a representative at the Lombard-Downtown banking center for details since that is where you opened the account. I verified with them that your account needs to have a direct deposit and three (3) online bill payments made using Fifth Third’s Online BillPay on 53.com within the first ninety (90) days of the account being open to qualify for the bonus. Once these stipulations have been met, the funds will be deposited in your new account within six (6) weeks. I have included a copy of the promotional flyer for this offer for your reference.Please accept my further apologies regarding your phone conversation with our customer service staff. You certainly have the choice of visiting any Fifth Third Bank location convenient to you rather than continue doing business at the Lombard-Downtown banking center. Please be assured that your complaint has been escalated to the highest level within the Bank, and has been researched fully. 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.Ms. Loveday, I appreciate this opportunity to further address your concerns and thank you for your patience while waiting for a response. If I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ETSincerely,Sarah S.Office of the PresidentEnclosure: Previous Response[redacted] Promotion Information

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]I apologize for the delay in getting back with you regarding this complaint.In this additional rebuttal, the customer does not provide any additional information and simply reiterates the same information provided in the two previous complaints.We have fully researched this matter and responded to the customer twice.We have explained that her name was on the account in question and the mailed statements and notices were addressed to her and sent to her address.Sorry again for the delay in getting back with you.Thank you,Lisa S. Fifth Third Bank Consumer Resolution Specialist| Office of the President

[redacted] 
[redacted] 
[redacted] Date: April 28, 2016 Account [redacted] Regarding the Inquiry on Your Revdex.com Complaint Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning...

quarterly statements not being received since July 2015. 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. However, statements are mailed out on a monthly basis to provide current activity and payment due information. I reviewed your statements for the last year and confirmed with the installment loan department that statements are being mailed out each month to the address listed above. Additionally, for your convenience statements are available online at 53.com in the document center and I have enclosed copies of the statement issued from July 30, 2015 through March 29, 2016. 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: Statements

[redacted] Date: December 13, 2016 Account: [redacted] Regarding Your Credit Card 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. Your payment is due on or before the Payment Due Date shown on your Account Statement. You must pay at least the Minimum Amount Due shown on your Account Statement on a monthly basis. Should your credit card become past due for the minimum monthly payment, the account may be subject to late fees, negative credit reporting, and collection proceedings. In addition, our Collection Department will attempt to contact you by mail and telephone. After thoroughly reviewing your account history, we confirmed that this account was never set up with our free Auto BillPayer service. Auto BillPayer is a free service that automatically deducts payments from a checking or savings account each month on the due date. This service requires a signed enrollment form. Most of the payments you have made to this account have been done over the telephone, or through the Automated IVR (interactive voice response menu). These payment types are processed using the same system as our free Auto BillPayer service which is why they post to your statements as Payment from Auto BillPayer. This account was opened March 31, 2015. It was revoked due to non-payment on November 5, 2015. My research found that there was one (1) payment arrangement made with our Collection Department that involved multiple months. You accepted the following schedule on December 7, 2015, for payments to be drafted: $500.00 to be drafted on December 7, 2015; $500.00 on January 4, 2016; $500.00 on February 2, 2016; and $500.00 on March 2, 2016. No notice would have been sent to you at the end of the verbal payment arrangement. Because you also mentioned your September payment, I have enclosed a copy of the notice generated on September 12, 2016, confirming that a one-time electronic deduction of $144.00 was scheduled to be drafted on September 13, 2016. This review determined that the information provided to the credit reporting agencies is accurate. We regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to remove prior negative reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. This additional review determined that the Bank has acted in good faith and there was no error in the posting of your payments. While we are unwilling to reverse all the interest and late charges from the account, I have credited your account for one (1) late fee of $35.00. 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 Enclosure: September payment notice

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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: November 2, 2015 Account: [redacted] Regarding Your Fifth Third Bank Platinum [redacted] Dear [redacted]: We received a copy of your rebuttal complaint filed with the Revdex.com, regarding your Platinum [redacted] benefits. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the response conveyed to you in our previous letter sent to the above address on October 21, 2015. Our position on these matters has not changed. For additional clarification, when the Bank eliminated the rewards program on the Platinum Card, existing Platinum cardholders were allowed to retain the reward benefits that were previously offered on that product. If you are interested in the rewards offered on the Real Life Rewards Credit Card, you will need to apply for that Card. 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, April Q. Office of the President PC: Revdex.com

[redacted]...

[redacted]                                   ...⇄ Date:    August 28, 2015Regarding the Account of [redacted]Dear [redacted]:We received a copy of the letter you sent to the Revdex.com, regarding the account of [redacted]. We appreciate the time you have taken to document your thoughts and concerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. 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.[redacted], please be assured it is our sincere desire to help you; however, Fifth Third Bank takes protecting the financial and personal information of our customers very seriously, and we cannot release information to someone who is not an owner on the account in question. In order for the Bank to give any personal and confidential information to a third party, we would require a legal document such as a Power of Attorney, authorizing another individual to act on behalf of our customer. Please be aware that, in addition to our response to you, we also mailed a response to [redacted].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,Adam P.Office of the PresidentPC: Revdex.com

[redacted] Date: January 19, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com concerning your installment loan. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On November 20, 2015, we confirmed receipt of the payoff payment that was posted to your installment loan with an effective date of November 20, 2015. Since that time, you should have received our notification letter confirming that your loan has been paid off and closed with a zero balance owed. After a loan is closed, we wait ten (10) business days before issuing refunds for any overpayments made to the loan. We do this to ensure that no accounting errors have been made prior to releasing refund checks. I apologize if you were told otherwise. On December 8, 2015, we issued a check in the amount of $13.23 for an overpayment from the payoff payment received. The refund check for $575.00 for the additional payment drafted by Auto BillPayer should have been issued to you and mailed on December 8, 2015, as well. However, due to a processing error, the refund check for $575.00 was not sent until December 18, 2015. We regret the inconvenience this may have caused you. However, we are unwilling to provide you with compensation, as you have requested. Thank you for your patience while waiting for a response. We valued your business and we hope you will consider using Fifth Third Bank for your financial needs in the future. If I may be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa 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.  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: July 31, 2015 Account:      [redacted] Account:      [redacted] Regarding Your Accounts Dear [redacted]: We received a copy of the letter you sent to the Better Business...

Bureau regarding your savings accounts. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction.According to our records, your Maxsaver savings account and your Business Savings account were closed and placed for collections efforts on June 29, 2009. Due to the transaction activity in each of the accounts, the accounts were also reported to a consumer reporting agency called Early Warning Services (EWS) in June 2009. Early Warning Services may report the account activity for up to seven (7) years. If you would like to dispute the information that Early Warning Services is reporting, they can be reached at ###-###-####. For additional information regarding Early Warning Services, you can also visit them online at www.earlywarning.com.[redacted] 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,Adam P. Office of the PresidentPc: 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.   Fifth Third Bank is skirting the issue.  The bank representative knowingly and intentional set the checking account up with not enough funds (Set up with $500 instead of the $1,000 required) so that it would not be eligible for the $400 Bonus offered. They then opened a savings account with the remaining of the $14,500 I deposited which was not even needed to qualify for the bonus.  Another $500 and then some could have easily been deposited into the checking to meet the requirements for the $400 Bonus.  They could have just deposited the entire $15,000 into checking and not opened the savings as it WAS NOT NEEDED to QUALIFY.The reason the checking account was opened was to qualify and receive the $400 bonus.  I deposited $15,000 with this bank to open up a checking account and qualify for the Bonus.  They set the account up incorrectly not me.  The bank used this money for over 5 months to make the bank money and now they want to renege on their offer because they set it up incorrectly.  Then they want me to pay an additional $50 per account to close each!  This is not right.This is wrong and they need to stand behind the offer due because their bank representative did not setting the account up correctly.This bank has had many lawsuits they paid out.  There is a reason.  Not a reputable bank to deal with as they have shown again.  If you google online there are over 500 some complaints against this bank.  Very sad.  I should have done my due diligence first and opened an account with Chase or Bank of America.  There is a reason they have so many locations all over and not just a few here and there.Please assist in correcting this wrong and requesting the bank to deposit the $400 Bonus into the checking account .  This is the banks error not mine. 
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.  While I do appreciate the bank writing a response, it does not indicate why they feel the need to treat their customers with such disrespect. A grace period is just that. A grace period. There should be NO harassing phone calls during such a time. The people calling were very unprofessional, degrading, and condescending.  My wife, being seve monthspregnate at one of the times was harassed by an agent from their caller division, and really upset her. The payment was due on the 8th, and the calls (there was a total of 6 made that day) on the 9th by the guy were very rude to her. I ended up going to the branch that afternoon and demanded to know why they were treating my wife so poorly on thephone. No manager, but a teller aided me and told me this would never happen again. Well, it did. And that's why I wanted this loan paid off, and be done with it. During my last visit to the fifth third bank near [redacted], I was just totally dumbfounded as to how the branch manager treated me and his tellers. The customer in front of me, had an issue. The teller asked the manager for assistance, and he said he was busy activating someones card. She had to walk around, and go to himto get this customer taken care of. Then it was my turn. I asked to see the same manager so that I could pay off  my wife's loan, and the same result occurred. The manager once again was called, only for him to again remind the teller he was "busy". He was not with any other customer, and was just sitting at his desk starring at his computerscreen. The teller did her best, working with other tellers to figure out how to pay my loan off. About 6 minutes later he walked up to the teller, and whispered something to her about the process, then disappeared. Never once asked me how my experience was, never said a word to me. I am glad my loan is paid off, as this is by far one of the worstbanking experiences I've ever had to deal with in my life. I will not ever return, nor do business with fifth third again. 
Regards,
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