Fifth Third Bank

[redacted] Date: January 19, 2017 Account: [redacted] Regarding Your Fifth Third Bank Credit Card Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We appreciate the...

time you have taken to document your concerns. I also appreciated the opportunity to speak with you. Please be assured that Fifth Third Bank takes your feedback seriously and our executive management does review customer complaints as part of our ongoing commitment to improving our customers’ satisfaction. Fifth Third Bank is constantly looking for ways to improve our credit card products and we believe that our new TRIO credit card will provide a better value for your everyday spending. That is why we are replacing your current card ending in [redacted] with a TRIO credit card, which is our best rewards card. TRIO has no Annual Fee and it is automatically enrolled in rewards. Your rewards are earned as points that you can redeem for cash back as a statement credit, or redeem for retail and restaurant gift cards, merchandise, and travel. As we discussed, your current interest rate of 11.49% (Prime + 7.74%) will not change for the existing purchase balance. Your existing purchase balance will remain protected under its current rate until it is paid off. The rate change to Prime + 10.74% will take effect with any new purchases made after the conversion in March. Please refer to your change in terms letter to see the exact date of the change. The multiple interest rates will also be broken out on your monthly statement. We are unable to exclude your current account from being converted. I sincerely regret any conflicting information you received about this topic. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S. Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID[redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
FIfth Third Bank assured me in a letter dated August 15, 2014 (attached) that no impact was made to my credit report for any agencies.  This, as is typical with Fifth Third Bank, was incorrect information.  Upon an attempt to refinance, it was noted that Fifth Third reported late payments to all three credit reporting agencies, even though Fifth Third admitted the error was on their part and no late payment existed.  This impacted my credit score, lowering it below a threshold and raising interest rates.  I was unable to refinance and this delay has cost me money, time, and further frustration -- none of which is my fault.  Fifth Third employees are rude, unhelpful and do not return phone calls in a timely manner.  I have been routinely offended by their curt nature and failure to admit mistakes.  I do expect compensation for the error on Fifth Third Bank's part that cost me over two months in lower mortgage payments and my time spent on the phone walking them through their own issues.  Fifth Third demands compensation for late payments and mistakes on the part of their customers, but does not own up to their own mistakes other than a half-hearted apology in writing.
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.   There was no reason to the bank to continually resubmit payment to generate more fees, these were not charges, they were payments form my account hta ti initiated, they could have simply called me and asked if I wanted to postpone the payments, but they kept resubmitting to generate as many fees as possible. Their process is flawed and set up to get as much out of their customers in fees as they possibly can. 
Regards,
[redacted]

[redacted] Date: June 27, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com. We appreciate the opportunity to further respond to this matter. Per your request, we completed a review of the Essential Checking account ending in [redacted]. Our review of the account included the following activity: * On May 13, 2016, your beginning account balance was $2.44. The monthly maintenance fee in the amount of $8.00 posted to the account. Although there were insufficient funds to cover this transaction, there was no overdraft fee assessed to the account as a result of this transaction. After this transaction, the remaining negative account balance was ($5.56). * On May 25, 2016, your beginning account balance was $572.78. A check in the amount of $1,700.00 was deposited into the account; however, as outlined on the overdraft notice sent to you, $1,600.00 of the deposit was unavailable to you, per the funds availability policy outlined on pages seventeen (17) and eighteen (18) of the enclosed Rules and Regulations that were provided to you at account opening. There were six (6) debit card transactions, totaling $720.36 that posted to the account, leaving a negative account balance of ($47.58). Because you are opted out of Overdraft Coverage, the debit card transactions were not assessed an overdraft fee. ? On June 1, 2016, your beginning account balance was $827.26. There were ten (10) debit transactions that posted to the account, totaling $1,240.62, and leaving a negative account balance of ($413.36). Because you are opted out of Overdraft Coverage, the debit card, merchant payment and Automated Teller Machine (ATM) transactions were not assessed overdraft fees. However, there were insufficient funds to cover the online transfer to the account ending in 6669 and this transaction was assessed an overdraft fee of $37.00 the following business day. * On June 2, 2016, your beginning negative account balance was ($413.36). A deposit in the amount of $28.96 was credited to the account. In addition to the previously mentioned $37.00 overdraft fee, there were also two (2) debit card transactions, totaling $41.22 that posted to the account. Once these transactions posted, there was a negative account balance of ($425.62). Because you are opted out of Overdraft Coverage, the debit card transactions were not assessed an overdraft fee. I have enclosed copies of the overdraft notices that were provided to you for your records and review. Our review of the account determined there was no Bank error in the overdraft of the account and the fee that was assessed. Although there was no Bank error, in the interest of customer service, on June 3, 2016, the $37.00 fee was reversed and credited to the account. As we mentioned in our previous response,  your monthly service fee is not for the Bank to manage your money. The monthly service fee is charged for providing you an account to conduct your personal, family or household transactions. You also mentioned that you are using your personal Essential Checking account for business transactions. As outlined on page eighteen (18), section thirty-seven (37) of the Rules and Regulations, a personal or consumer deposit account should not be utilized for business transactions. If you would like to learn more about the business accounts that are available, please visit your local banking center or contact our New Accounts Department at ###-###-####, option two (2), Monday through Friday, 8:30 a.m. to 5 p.m., ET. Furthermore, you requested additional clarification on the pending transactions or card authorizations. When the debit card is used at a merchant, the merchant will communicate their intent to take funds for the purchase from your account. When this occurs, authorization is issued, and the merchant’s communicated amount will appear as a pending item on your account. That authorization, or pending item, places a hold on the available balance until the charge posts to the account. If the charge does not post to the account, the funds will remain held by the authorization for up to a maximum of five (5) business days before the hold is released. We appreciate your patience while we researched this matter. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q.Office of the President Pc: Revdex.com Enclosures: Overdraft Notices

[redacted] J[redacted] Date: August 16, 2016 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. Per your correspondence, I understand that you attempted to deposit $445.00 in cash at the Automated Teller Machine (ATM) located at the [redacted] Banking Center on July 25, 2016. However, the funds were not credited to your account. Because the issue occurred after 8 p.m. ET, the banking center was not open. You contacted our Dispute Department on July 26, 2016 at 7:41 a.m., and we processed your dispute claim for the missing deposit. I also confirmed that you called the [redacted] Banking center that day as well. Our records reflect that Financial Center Manager Jacqui P. attempted to contact you per your request that day regarding the missing deposit and your desire for an immediate provisional credit. I am sorry that she was unable to reach you. Please be advised that disputes for consumer checking accounts are governed by Federal Regulation E. Per Federal Regulation E, a provisional credit for a dispute must be provided within ten (10) business days of the date we were notified of the dispute if the investigation has not been completed by the tenth (10th) business day. Please be advised that it is Fifth Third Bank’s policy to provide provisional credits within four (4) to five (5) business days for accounts that have been open for more than six (6) months. At the time you filed your dispute, your checking account had been open for less than one (1) month. I verified that the Dispute Department told you at the time you filed the dispute that the credit would be processed in four (4) to five (5) business days. I am sorry for the incorrect information that you received. Please be assured that I have forwarded this information to the relevant Bank personnel. While researching ATM disputes, the Bank verifies if the funds deposited to the ATM balances out to have more cash or checks in it than it should. Unfortunately, the bin that cash deposits are processed to was not over by any funds, and the money in the ATM matched the funds the ATM said were deposited. For this reason, your dispute was denied. A copy of the denial letter sent to you on July 28, 2016, is attached. I confirmed with the banking center that their ATM was not out of service and continued to process other customer transactions. However, it is possible for an ATM machine to malfunction during a transaction. Due to the difficulties you encountered with the ATM, the banking center sent a technician to service the machine. At that time, the technician located your $445.00 that was stuck in the machine. Because the funds were stuck and did not process to the normal reject bin, the ATM balanced when the funds were previously counted. Because we were able to locate the funds, the banking center credited the $445.00 to your checking account on July 28, 2016, even though the dispute was denied. The ending balance in your checking account on July 28, 2106, was $157.10. I confirmed that there were no overdrafts on your account from July 25, 2016, through July 28, 2016, while the missing deposit was not in your account. I was able to review several of the phone calls you placed to our Customer Service Department. I verified that our agents did not state that you would have to call the banking center to dispute the transaction. The transaction was disputed during your phone call at 7:41 a.m. on July 26, 2016. You called the Customer Service Department later that day stating you called the banking center and that you wanted to talk to the location’s manager. However, you stated that the banking center was not answering the telephone. The customer service agent called the banking center on your behalf and obtained a fax number per your request. The customer service agent also explained that the banking center staff advised they would contact the regional manager regarding your request for an expedited provisional credit. You contacted the Dispute Department again on July 27, 2016, regarding the dispute and advised that the banking center manager said they were going to expedite your provisional credit. The agent you spoke to advised that if the banking center employee provided that information, you would have to speak with him because the Dispute Department would be unable to expedite the credit. [redacted], I am very sorry for the frustration and inconvenience this situation caused you. I understand that you needed the funds from the deposit to pay a ticket so you could continue with your part-time job as an [redacted] driver. It was certainly not our intention to cause you distress. The Bank has policies and procedures in place that are applied to all customers within applicable federal regulation. The credit for your missing deposit was applied within two (2) business days of your notification to the Bank of the missing funds, which was in compliance with federal regulations. For this reason, we are unwilling to provide you with additional compensation. I am sorry that the credit could not be provided sooner. 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: Dispute Denial Letter

[redacted] Date: June 28, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, regarding the overdraft fees assessed to...

your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience these matters may have caused you. We strive to provide professional and accurate service to our customers and we regret if that has not been your experience. 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. Per item overdraft fees will not be assessed if your account is overdrawn by less than $5.00. 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 will be charged $25.00 per item. For each additional occurrence, a $37.00 per item fee will be assessed. We process transactions at the end of each business day and do not process transactions on Saturday, Sunday or Federal Holidays because they are not considered business days. Transactions that post to your checking account are processed in the following order: 1. Credits and deposits made prior to the end of day cutoff time (according to our Funds Availability Policy) 2. ATM transactions and debit card transactions in the order they took place 3. All other debits including checks, electronic bill payments, in the order of highest amount to lowest amount 4. Fees and service charges in the order of highest amount to lowest amount Please note that this posting order may change due to circumstances beyond the Bank’s control, such as changes or disruptions in network processing or processing delays by a third party. Pages 11 through 13 of the included Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards booklet contains more details about the Bank’s overdraft policies. On June 17, 2016, the beginning balance for your checking account was $31.77. We received your cash deposit of $605.00 and the full amount was made immediately available. One (1) online transfer and nine (9) electronic payments totaling $1,010.68 posted to your account in the order explained above. Therefore, your ending account balance was negative ($373.91) with the last eight electronic transactions contributing to the overdraft occurrence. Due to insufficient funds, eight (8) overdraft fees totaling $296.00 were assessed to your account and posted the following day. On June 20, 2016, the beginning balance for your checking account was negative ($373.91). Two (2) Automated Teller Machine (ATM) deposits totaling $180.00 posted to your account. In addition, a reversed overdraft fee for $37.00 was credited to your account. The overdraft fees assessed the previous day and three (3) transactions totaling $387.66 posted to your account. Due to insufficient funds, an overdraft fee of $37.00 was assessed to your account and posted the following day. It is important to ensure that your checking account has sufficient funds to cover the transactions you have authorized. However, we sympathize with the difficulties you have encountered regarding your account. Therefore, overdraft fees totaling $222.00 have been waived and credited back to your checking account within the last month. Therefore, we are not willing to reverse any additional overdraft fees at this time. Copies of the overdraft notices sent for the days noted above are included for your review. I have also included a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage options is also provided on the enclosed document. Please feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. [redacted], please be assured that it was not our intention to cause you any hardship or frustration. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at (###) ###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S.Office of the President Enclosure(s): Rules and Regulations booklet, Overdraft notices Pc: Revdex.com

After reviewing the customer’s most recent comments, we believe we have fully addressed the customer’s concerns in our prior responses. Because no new information was provided, we will not be sending any additional written response. Please update your file as needed. The bank's previous responses to [redacted] are attached. Thank you, Alison SCustomer Care Team SpecialistOffice of the President | 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]

October 15, 2014
[redacted]
Re: Mortgage Loan XXXXXX[redacted]
Dear Ms. [redacted],
We
received a copy of the rebuttal you filed with the Revdex.com
regarding your mortgage loan. We appreciate the time you have taken to share
your additional thoughts and concerns and we sincerely apologize for the
frustration you have experienced regarding this matter.
Once
your additional complaint was received, we reviewed the information being
reported to the credit reporting agencies for your mortgage loan. According to
your complaint, you did not receive the Annual Escrow Account Disclosure
Statement that advised you that your mortgage payment was increasing to
$[redacted] effective June 1, 2014. We received your payment of $[redacted] on June
13, 2014. However, this payment was not sufficient to cover the amount due for
June which resulted in the payment being returned to you.
Because
you were unaware of the adjusted payment amount, the decision was made to
remove the late payment being reported for the June 2014 payment. Please allow
approximately thirty (30) days for the credit bureau agencies to update their
reporting. You may present this letter as proof of the update should you apply
for additional credit within the following thirty (30) days.
If you would like to contact the credit bureaus directly, contact
information can be found below:
Please
be aware that your escrow account is analyzed every April. At that time, we
will estimate your insurance and tax payments for the following year in order
to calculate the funds needed in your escrow account to make these payments.
When the escrow analysis is complete, we mail you an Annual Escrow Account
Disclosure Statement, which details the results of our analysis including any
escrow shortage or overage that might occur. If an escrow shortage exists, you
may pay for the total shortage amount by the due date indicated on the Annual
Escrow Account Disclosure Statement or the shortage will be collected as part
of your overall monthly mortgage payment. Therefore, you must review this
statement to determine if your monthly mortgage payment has been adjusted.
Ms. [redacted],
 we appreciate the opportunity to resolved this matter for you and I apologize for
any inconvenience you may have been caused You are a valued customer and we
sincerely hope you will allow Fifth Third Bank to service your financial needs
for many years to come. If I could be of further assistance to you please
contact me directly at [redacted].
[redacted]
Consumer Resolution Specialist Office of the
President
Pc: Revdex.com

November 12, 2014 
[redacted] [redacted] 
Attention: [redacted] 
[redacted] [redacted] 
[redacted] 
Re: Business Checking Account[redacted] 
Dear Mr. [redacted], 
We received a copy of your complaint filed with...

the Revdex.com, regarding the promotional credit for 
your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding 
this matter. 
Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my 
sincere apologies for any inconvenience this matter may have caused you. Please be assured that I have contacted 
the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. We 
strive to provide professional and accurate service to our customers and we regret if that has not been your 
experience. 
On June 25, 2014, you opened a Business Standard Checking account at the [redacted] Financial Center. The 
promotional offer effective at that time indicated that a cash bonus of $[redacted] would be credited to the new 
business checking account if an average balance of at least $[redacted] was maintained for the first [redacted] full 
months the account was open. If the eligibility requirements were met, then the promotional bonus would be 
credited at the end of the fourth full month after the account had been open. 
In your complaint, you stated that the Personal Banker that opened your business checking account advised you 
that the Bank did not offer[redacted]) and card processing services for merchants. After 
further research, the Personal Banker did recall the conversation regarding merchant services offered by the Bank. 
The Personal Banker indicated that you wanted know if we offered [redacted] and card processing services at no 
charge for business checking account customers. The Personal Banker followed up on your request and informed 
you that we do offer those types of merchant services, but there are charges assessed for the [redacted] and card 
processing options available. 
On October 2, 2014, the business checking account with a balance of $[redacted] was closed per your request. At 
that time, a cashier’s check in the amount of $[redacted] was issued to withdraw your account balance and an 
official check fee of $[redacted] was assessed for cashier’s check. The following day, you spoke with the Customer 
Service Manager at the [redacted] Financial Center regarding the recent account closure. The Customer Service 
Manager verified that your business checking account satisfied the promotional offer requirements at the end of 
September 2014. As a result, the $[redacted] cash bonus would be credited to your business checking account by the 
end of October 2014. Therefore, you decided to reopen the account and deposited the cashier’s check for 
$[redacted]. On October 6, 2014, the official check fee of $[redacted] was credited back to your business checking 
account. Therefore, your account balance was $[redacted]. 
On November 3, 2014, the [redacted] Financial Center Manager reviewed your business checking account and 
determined that the cash bonus of $[redacted] did not post to your account on October 31, 2014. Therefore, an 
adjustment request was processed immediately and the promotional funds were credited to your account the next 
day. 
On November 5, 2014, your business checking account balance was $[redacted]. A withdrawal in the amount of 
$[redacted] posted to your account. At that time, the business checking account was closed with a [redacted] balance, per 
your request. 
Mr. [redacted], please be assured that it was not our intention to cause you any hardship and frustration. 
We appreciate your feedback as it assists us in identifying opportunities to improve our systems and the level of 
service we provide to our customers. You were a valued customer and we hope that you will consider the Bank for 
your financial needs in the future. If I could be of further assistance to you, please contact me directly at [redacted] 
Sincerely, 
[redacted] 
Consumer Resolution Specialist 
Office of the President 
Pc: Revdex.com

[redacted]Date: April 29,
2015 Account: [redacted]Re: Vehicle Installment LoanDear [redacted]:We received a copy of the complaint recently
filed with the Revdex.com, regarding the title for your vehicle
installment loan. We appreciate...

the time you have taken to document your
thoughts and concerns. Please be assured that Fifth Third Bank takes your
feedback seriously, and I appreciate this opportunity to respond to your
concerns.Your comments expressing less than quality
customer service are very concerning and I have made the relevant parties aware
of this situation. On behalf of the Bank, I would like to apologize for any
inconvenience this issue has caused you. We strive to provide professional and
accurate information to our customers in as timely a manner as possible and we
sympathize with the difficulties you encountered.On December 26, 2014, we received your payoff
for your vehicle installment loan in the amount of $14,357.66. Following the
payoff, instructions were automatically sent to our title vault to release the
lien and mail the title to you. I have confirmed with our title department that
your title was mailed to you on December 30, 2014 to [redacted]. Because you never received the title, we requested
a release of lien on April 22, 2015. The release of lien was mailed the next
business day on April 24, 2015, to [redacted]. To obtain a duplicate title, you must request it through your local
Bureau of Motor Vehicles by providing them the Release of Lien. On behalf of
the Bank, I apologize for any inconvenience or concern this may have caused
you, as it was not our intention to cause you any undue hardship.I understand your frustration when this
situation occurred and we appreciate your patience while we resolved this
matter. You were a valued customer and we hope you will consider Fifth Third
Bank for 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,
[redacted]Consumer
Resolution Specialist Office of the President

[redacted] Date: May 14, 2015 Account: [redacted] Re: Forced Placed Insurance Dear [redacted]: Thank you for the letter you sent to the Revdex.com concerning your installment loan and the insurance that was place on the loan....

We appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your installment loan. It was certainly not our intention to cause you any hardship. Please be assured we have researched this matter fully as you have requested. When you obtained a vehicle loan with Fifth Third Bank, you provided insurance information. That information was used to temporarily update our records. But since it was not the original, you were requested to send Fifth Third Bank a copy of your actual policy. Fifth Third Bank sent you notification on November 25, 2014 requesting that information. A second notice was sent to you on December 15, 2014 informing you that we had not received the information requested. Within that letter we stated we needed proof of insurance within twenty (20) days to avoid the purchase of a policy to protect our interest in the collateral. A final notice was sent on January 8, 2015 informing you that you had not provided the necessary information required. You had ten days to provide us with the information, if not; we informed you that we would purchase the insurance and charge the cost to you. I have included copies of all three correspondence sent for you to review and keep for your records. On April 28, 2015, we received notification that proof of insurance was received. The forced place insurance is now cancelled and your payment will revert back to $177.53. Your next payment is due May 20, 2015. I have contacted our BillPayer Department to issue a refund for the three months that your payment was debited for $370.75. The amount, $579.66, will be sent back as an ACH transfer to your account the funds are drawn out of for your payment each month. The amount of $579.66 represents the additional $193.22 that was withdrawn from your account for three months prior to Fifth Third Bank obtaining copies of your insurance information. I can understand the frustration you had with the phone calls that you placed to Fifth Third Bank. I know that you were transferred to different individuals to assist you in obtaining information about your loan. I apologize for the time that you spent, but hope that you now have the information that you requested as well as the funds back for the three months of higher payments.We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at 513­358-7100, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,-4 •[redacted]Customer Resolution Specialist Office of the PresidentEnclosures: (3) Insurance letters

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
I have requested, and await, a breakdown of the final payoff from 5/3 Bank.  The letter attached in response to this Complaint states that 5/3 Bank accepted a "final payment" of $3996.01 on October 5, 2016.   I have not yet received a breakdown of the fees and charges on the payoff to know whether it is correct.  [redacted] has not yet received the consumer's equity of over $7000.00 to pass onto the Estate.  It's been 10 days since 5/3 Bank received payment.Likewise, while the situation was resolved, it took lawyers, a string of phone calls, and everything and anything short of filing a lawsuit and temporary restraining order to have the vehicle returned.  5/3 Bank can take the position that the payment was received after the reposession had been ordered - that is fine. However, it is 5/3 Bank that called me, the Administrator, on 9-19 threatening the car would be repossessed *if* immediate paynment was not made.  Payment was in fact made immediately, and 5/3 Bank executed its threat - reposessing the car.  It should not be on the consumer to have to jump through the hoops I jumped through to expose the deficiencies in 5/3 Banks checks and balance process - how many other customers have been threatened with repossession only to make the payments, and have their car repossessed anyway.  How many veterans have had cars repossessed.  It makes one wonder.It was not until I filed a complaint with the [redacted] and got legal counsel involved that 5/3 Bank cared to discuss resolution.  The prior week I had been told, rudely, and repeatedly, too bad.  Pay off the loan and the repo fees, and, drive to Cincinnati, 2 hours away, to pick up the car.  (Mind you, a car that needed new rear tires and was not safe to drive such a distance.)  They took the car to Cincinnati, and only sent the notification letters well after I had filed my complaints, and well after I was told I would not get said letters, and 5/3 Bank would not tell me where the car was located.  Imagine requiring a distraught family member or loved one to spend 4 hours traveling to pick up their vehicle, which was not in arrears, and had been wrongfully repossed.  I wonder how many people in distress, over the death of a loved one, are subject to 5/3 Bank's repossession tactic within 30-60 days of a consumer death - despite being involved and aware of the process the entire time.  Zero tolerance, understanding and cooperation.   Threats, rude phone calls, and delaying tactics were what I was met with.  Only when threatened with [redacted] complaints did the bank care to do *anything* to resolve this matter.   5/3 Bank's behavior definately made a sad and stressful situation bubble up to a boiling point.  I spent an entire week of my time trying to resolve this issue - and should be sending 5/3 Bank a bill for my time as well.I am not satisfied at all with 5/3 Bank.  Just because they returned the car, that they wrongfully repossessed, does not account for the abhorable treatment of a customer who has recently passed away.  It was only after considerable time, stress, money and absolute aggravation that this issue was returned to the way it was before 5/3 Bank screwed it up in the first place.And I still don't have payoff information and have no idea what the Estate paid to 5/3 Bank, 12 days *after* 5/3 Bank received its payment in full.
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.   
Once again the response clearly does not address the very valid questions that anyone in this case would have. Then once again clearly states the opposite of what I have been indicating since May 27, 2016 to the present time that the services to be rendered by attorney [redacted] for the charge of $350 on 5/26/2016 were not rendered.My questions have been stated clearly in the previous responses and have not been addressed in the slightest attempt. Please refer to the previous communication as far as addressing them. For me to type them again is a bit ridiculous at this point. Since again they have not even been addressed at all. Just responding saying services were rendered based off of my own letter detailing the reason for the dispute as being services were not rendered is not appropriate. As far as my own letter indicating that services were rendered is ridiculous when it clearly explains that the reason for the dispute entirely is because the information [redacted] said that she would obtain was not obtained for the $350. As I have stated several times as far as the documents used for the investigation, why one of them is not a response from [redacted] herself and why this would not have an income on the investigation outcome.I have also provided information about the extremely poor details and customer service regarding my dispute. Along with a very strange conversation with someone named Lemont who I was told is a manager in the dispute dept, the only other information you clearly need to obtain is from attorney [redacted] which has been over 90 days that she did not even respond which looks even more fraudulant on top of taking my $350 and doing nothing for it.Please address the questions and concerns that I have stated previously several times. The attempts to go around them clearly indicates a problem at Fifth Third Bank in regards to a customer filing a dispute. That is the reason already why this is at the level of the Revdex.com along with other financial business regulators.
Regards,
[redacted]

I can provide document that proves contrary to 53 bank findings... Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Regards,
[redacted]

[redacted] Date: January 11, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning a...

returned deposit item and the available balance on your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience this matter may have caused you. Please be assured that we have contacted the relevant parties and passed on your concerns. On November 16, 2015, you deposited a check in the amount of $1,950.00 into your checking account ending in [redacted]. Unfortunately, those funds had not been verified or collected at that time. Although we work diligently to prevent fraud perpetrated against the Bank and all of its depositors every day, Fifth Third must also respect certain transactions initiated and requested by our customers. On November 19, 2015, the beginning available balance in the checking account ending in [redacted] was positive $93.75. Two (2) items totaling $2,043.75 posted to the account including the returned deposit item of $1,950.00, which was returned unpaid as Altered/Fictitious. Due to this reason, a return deposit item fee of $15.00 was assessed to the account that also posted on that same day. In addition, an online transfer from your savings ending in 7331 for $107.10 posted as a credit to your account that day. The ending available balance on November 19, 2015, was negative (-$1,857.90). The check in question was discovered to be counterfeit and Bank Protection became involved and placed a hold on your account on December 30, 2015, in the amount of $500,000.00. The hold amount of $500,000.00 is only a temporary hold and used by Bank Protection to secure the account. The reason that your available balance is showing as negative ($502,384.57) is due to the $500,000 hold. Once the hold is removed, your available balance will be updated. The hold will be removed between day twenty five (25) and day thirty (30) and the account will be charged off for $2,384.57. Please be assured that it is not our intention to cause you any undue hardship and we are very sorry for the difficulties you have experienced. If you would like to contact Bank Protection directly, they can be reached at ###-###-####, Monday through Friday, 8 a.m. to 7 p.m., Saturday, 8 a.m. to noon, ET. Please reference case # C1512746635. [redacted], we strive to provide professional and accurate service to our customers and I am sorry if that has not been your experience. You are a valued customer and we look forward to serving your financial needs in the future. If I can be of any further assistance please contact me at ###-###-#### or toll free, ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C. Office of the President Pc: Revdex.com Enclosure: Statement

September
18, 2014
 
[redacted]
 
 
Re: Savings Account XXXXXX[redacted]
 
 
Dear Mr. [redacted], 
 
We received a copy of your complaint filed with the Better...

Business Bureau,
concerning your experience with the Financial Center located at [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 caused you. Please be assured that we have contacted
the relevant parties to express your dissatisfaction with the service you
received from the Financial Center.
 
Your feedback is important to us, so that we can better understand how we can
improve our service to you. Additionally, customer feedback is reviewed by our
Senior Management as part of our ongoing commitment to improving our customers’
satisfaction.
 
Per your request, the savings account ending in [redacted] was closed as of September 15,
2014. We believe your issue was resolved accordingly, and I hope that this letter will meet your
satisfaction.
 
We appreciate the opportunity to respond to this matter. If I could be of further
assistance to either of you, please call me directly at [redacted] or toll
free at [redacted]. 
 
Sincerely,
[redacted]
Consumer
Resolution Specialist
Office
of the President
 
Pc:
Revdex.com

The issue has not been resolved due to no reply wether it be through phone contact or via email. I have a negative in my bank account which tells me that I need to dispute it with the company which will not answer my phone call let alone trying to receive an answer

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]
Car title and letter of apology received on Friday 23 June 2017. Thank you, Revdex.com!

[redacted] [redacted] [redacted] Date: May 24, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com concerning your installment loan. We appreciate the opportunity to respond to 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 May 16, 2016. Our position on these matters has not changed. For further clarification, this is a simple interest loan and the account activity included the following: ** On February 21, 2016, the loan was funded in the amount of $19,937.13. ** The payment we received on April 4, 2016, in the amount of $334.03 was applied to the loan as follows: $186.71 to the principal balance and $147.32 to the interest. After this payment was applied to the account, the remaining principal balance for the account was $19,750.42. ** The payment we received on April 6, 2016, via Auto BillPayer was reversed from the account on April 12, 2016. Once this transaction was reversed from the account andreturned to you, the remaining principal balance for the account was $19,750.42. ** The payment we received on April 13, 2016, in the amount of $19,466.60 was applied to the principal balance of the account, with an effective date of April 12, 2016. The remaining principal balance of the account was $283.82. ** On May 6, 2016, the final payoff in the amount of $311.71 was processed by Auto BillPayer, and applied to the loan as follows: $283.82 to the principal balance and $27.89 to the interest. Per your previous conversations with the Bank, this payment was backdated to an effective date of April 12, 2016. As you mentioned in your complaint, a refund check in the amount of $0.74 was sent to you as a result of the backdated payoff. The chart below also explains the account activity. Principal Date Total Balance Effective Description Amount Principal Interest After 4/12/2016 Payoff $311.71 $283.82 $27.89 4/12/2016 Payment $19,466.60 $283.82 4/6/2016 Payment Reversal $334.03 $327.24 $6.79 $19,750.42 4/6/2016 Auto BillPayer $334.03 $327.24 $6.79 $19,423.18 Payment 4/4/2016 Payment via 53.com $334.03 $186.71 $147.32 $19,750.42 2/21/2016 Loan Funding $19,937.13 $19,937.13 Our review of the account determined there was no overpayment made. Because there was no overpayment, we are unable to accommodate your request for a refund. I apologize for any further frustration this may cause you. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q.Office of the President Pc: Revdex.com