Fifth Third Bank

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.
Thank you so much for taking the time to address my complaint. From your response, I don't think my complaint was exactly clear. I check my bank account online everyday, the 3 $25 transactions that were returned were listed online in such an order that there were funds to cover them but not for the $60 atm transaction. So instead of 1 overdraft fee for the most recent transaction listed online, 3 credit card payments were returned and I was charged a total of $111 for the overdraft fees. On top of $25 each ofky credit cards are now charging me   The order in which items post online are not the actual order the bank follows which is my issue. All other bank accounts that I have lost the transactions online in the order they are processed each day. I did not open my account at a branch, I opened it online. My account is also not eligible for any type of overdraft protection at this time. 
Regards,
[redacted]

Please see attached response to customer.  Thank you.February 20, 2015 [redacted] Re: Secured [redacted] ending in[redacted] Dear [redacted]: We received a copy of your complaint recently filed with the Better Business...

Bureau, regarding the difficulties you have experienced with this account. 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. 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 confusion or undue hardship. We strive to provide professional and accurate information to our customers, and we regret if that has not been your experience. Your credit card account is considered [redacted] if we do not receive the total minimum payment by the due date indicated on your monthly statement. Should your account remain [redacted] two (2) or more consecutive billing cycles, the credit card may be [redacted] and cancelled for further usage. During the time that your payments are [redacted], our Collection Department will attempt to notify you via the telephone numbers we have on file for you. As an alternative to statements, you also have several options available if you wish to review your credit card account balance and the minimum payment due including via the Internet at www.53.com, visiting your local Fifth Third Financial Center, or by calling our Customer Service Department at [redacted]. It is important to ensure that you make the total minimum payment by the due date on your monthly statement in order to prevent any late fees. On November 11, 2014, we sent your credit card statement to the address listed above. The balance on your credit card was $[redacted] at that time, and a minimum payment of $[redacted]was due by December 8, 2014. We did not receive a payment on that day and a late payment fee of $[redacted] was assessed to the account. Per your request, on January 19, 2015, customer service reversed the $[redacted] late payment fee, as a courtesy to you. In addition, a credit posted to your account on November 17, 2014, in the amount of $[redacted] from [redacted]. On December 11, 2014, we sent you a statement indicating that your new balance was $[redacted], with a minimum payment of $[redacted] due by January 8, 2015. We did not receive a payment by that day and a late payment fee in the amount of $35.00 was assessed to the account on January 9, 2015. On January 11, 2015, we sent you a statement indicating that your new balance was $392.80, with a minimum payment of $[redacted] due by February 8, 2015. On January 17, 2015, you contacted the Bank to report your card lost and a block was added to your account and a new card was ordered that day. On January 27, 2015, your credit card account remained past due two (2) minimum payments for the December 11, 2014 and January 11, 2015 statements. Since your credit card remained [redacted] during two (2) consecutive months, the account was [redacted] on January 27, 2015. Due to this reason, you are no longer able to use the card. Fifth Third Bank, Member[redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp On February 10, 2015, we transferred $[redacted]from your savings account ending in[redacted], which is attached to your Secured [redacted], to offset your account. This transfer gave you a [redacted] balance in your savings account and a balance of $[redacted] on your Secured [redacted], with a minimum payment of $[redacted] due by March 8, 2015. I have included your credit card statements from November 2014 through February 2015, for your review. 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 [redacted] 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] Mr.[redacted], thank you for your patience while waiting for a response. It was certainly not our intention to cause you any confusion or undue hardship and we sympathize with the difficulties you encountered. You are a valued customer and we sincerely hope that you will continue using Fifth Third Bank for your financial needs in the future. If I could be of further assistance to you, please call me directly at [redacted], or toll free at [redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the President

[redacted] Date: April 8, 2017 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your vehicle installment...

loan. We appreciate the time you have taken to express 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. Your vehicle installment loan was paid in full and closed with a zero balance owed on June 16, 2011. On June 17, 2011, the Bank mailed the release of lien documentation to you. On April 21, 2017, you contacted the Bank to request a copy of the release of lien documentation. Per your request, a copy of the release of line documentation was mailed to you on April 24, 2017. On May 1, 2017, you contacted the Bank to request a copy of the release of lien documentation that you requested on April 21, 2017. At that time, you explained to the Fifth Third Bank employee assisting you that you did not receive the copy of the release of lien documentation that was mailed on April 24, 2017. The employee assisting you stated that the information could be faxed to you and you provided your fax number on May 2, 2017. The release of lien documentation was faxed to you on May 4, 2017, and you confirmed receipt of the information at that time. 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 President

Please close this complaint, I do not wish to continue further. It is clear that Fifth Third Bank is sticking to their extortion policies involving overdraft fees. Their policies are nothing more than fabricated BS, with no true ethic value nor substance.

Please find below a copy of the letter being mailed to the customer. We have sent a W9 tax form overnight to the customer.[redacted] Date: November 3, 2016 Account: [redacted]9932 Regarding Your Fifth Third Bank...

Installment Loan Dear [redacted]: We received a copy of the complaint filed by Brandy L. Snyder on your behalf with the Revdex.com concerning your installment loan. We appreciate the time you have taken to express your concerns regarding this matter. Please accept my deepest sympathy for the loss of your son. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. It was certainly not our intention to cause you any hardship. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. 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. As I mentioned on my telephone message on October 31, 2016, we sent a signed W9 form via [redacted] overnight mail on October 31, 2016. The tracking information on that package confirmed you received the letter Tuesday November 1, 2016. Upon receiving your complaint, we reviewed your telephone calls to the Customer Service Department. On September 28, 2016, Jason contacted the Customer Service Department and was provided a fax number to our Depositor Service Department. I am sorry that you did not receive a copy of the signed W9 tax form prior to November 1, 2016. Our review of the payment history for your installment loan determined the Bank received your payment of $527.00 on October 18, 2016. This payment was made within the fifteen (15) day grace period on your loan. There were no late charges or negative credit reporting resulting from this payment. Your next loan payment of $526.62 is due on November 9, 2016. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. 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., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com

[redacted] Date: August 13, 2015 Account: [redacted] Regarding Your Fifth Third Stand Up 2 Cancer [redacted] Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your credit card account. We appreciate...

the time you have taken to express 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 our senior and executive management teams review customer concerns as part of our ongoing commitment to improving our customers’ satisfaction. On July 30, 2014, the Bank received and approved your application for a Fifth Third Stand Up 2 Cancer [redacted]. Upon approval of your credit card account, your card and credit card agreement were mailed to you. For your review and convenience, a copy of the most recent version of the credit card agreement currently in effect for your account is enclosed. Please note page two and three (2-3), item ten (10) which explains how credit card payments are processed and applied to your credit card account. Payments on your Account that exceed the Minimum Amount Due will be allocated first to the Account balance with the highest Annual Percentage Rate (APR), and then to each consecutive Account balance bearing the next highest APR, at the time payment is posted to your Account. On March 27, 2015, the Bank sent your credit card statement indicating a minimum payment of $88.00 due by April 24, 2015. I have enclosed a copy of this statement for your records. On March 30, 2015 the Bank received and posted your $500.00 payment to your credit card. On April 27, 2015, the Bank received and posted a second $500.00 payment to your credit card account. The payments are listed on your enclosed credit card statement dated April 27, 2015.The credit card statement generated on April 27, 2015, indicated a minimum payment of $68.00 was due on May 24, 2015. The Bank did not receive a payment by May 24, 2015. Therefore, on May 26, 2015, a late charge of $35.00 posted to your credit card statement.The next credit card statement was generated on May 27, 2015. This statement shows the late charge, and indicated a minimum payment due of $145.00 by June 24, 2015. This statement included a past due amount of $68.00.The Bank did not receive a payment toward the credit card account and on June 24, 2015, a $35.00 late charge was assessed to the account. Because there were no payments received on two consecutive credit card statement cycles, the Bank revoked your ability to make transactions with this credit card account. I have enclosed a copy of this credit card statement for your records.On June 26, 2015, the next credit card statement was generated. This statement shows the late charge from June 24, 2015, and indicated a minimum payment due of $222.00 by July 24, 2015. This statement also included a past due amount of $145.00. On June 27, 2015, the Bank received and posted a $222.00 payment to your credit card account. I have enclosed a copy of this credit card statement for your records.As we discussed in our phone conversation on August 10, 2015, the Bankcard department has agreed to reopen your credit card account, pending your enrollment in the Auto BillPayer payment system. By enrolling in Auto Billpayer, you authorize transfers from your bank account to your Fifth Third credit card. Payments will be initiated based on the instructions you provide to Auto BillPayer in regards to date of payment and the amount of your payment. Also, I will notify our bankcard department to remove the revoked status as soon as your enrollment into Auto BillPayer is confirmed.We have completed our review of the payment history reporting on your credit report for your Fifth Third Stand Up 2 Cancer [redacted]. Our review determined that the information provide to the credit reporting agencies is accurate. However, we will submit an update to the credit reporting agencies to remove the revoked status, as soon as our systems reflect your enrollment into Auto Billpayer. Please note, this may take up to thirty (30) additional days to reflect on your credit reporting. You will also receive notice of the correction from our Operations Department under separate cover.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 apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at 513­358-2985 or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ETSincerely,Patrick S.Office of the PresidentPC: Revdex.com   Enclosures: Statement and Credit Card Agreement

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.  I hope that 53 bank will increase customer service training for their bank teller, branch managers and call center employees so "listening" to customer requests becomes a top priority. 
Regards,
[redacted]

Sending again the letter from GAP Insurance LEgal Department.  Fifth 3rd is claiming they do not know why the GAP did not PAY more, but according to the GAP letter it indicates that GAP does not send a payment and the bank actually WAIVES the balance due at the time of the accident after the primary insurance pays ([redacted]).  The amount considered GAP would be based on information the BANK provided which was incorrect as the BANK has not returned the entire payment I made after the accident which was $345.44 on Dec 1.  I was told by their employee that I would receive this amount back but needed to make this payment to protect my credit.

[redacted]Date: July 14, 2015 Account: [redacted]2341Regarding Your Overdraft FeesDear [redacted]:We received a copy of your complaint submitted to the Revdex.com concerning the overdraft fees you recently accrued on your checking...

account after delayed debit card purchases posted due to the fraud block on your debit card ending in [redacted]. I appreciate the time you have taken to communicate your thoughts and concerns.On behalf of the Bank, please accept my sincere apologies for a** 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.Our research determined that the delayed transactions, which totaled $321.03, are as follows: 05/21/2015 [redacted] [redacted]
[redacted] $6.30 05/21/2015 [redacted]
[redacted] $11.51 05/21/2015 [redacted]
[redacted] $11.58 05/20/2015 [redacted]
[redacted] $12.44 05/21/2015 [redacted] ###-###-#### FL $24.95 05/20/2015
[redacted]
[redacted]  $28.07 05/21/2015 [redacted]
[redacted] $38.36 05/21/2015 [redacted]
[redacted] $43.42 05/22/2015 GS[redacted] $15.00 05/22/2015 GS[redacted] $15.00 05/22/2015 [redacted]
[redacted] $114.40  If any transaction listed above is not legitimate, please either contact me to discuss the matter further with the information listed below, or call our Bankcard Fraud department directly at ###-###-####, twenty-four hours a day, seven days a week. We regret the inconvenience this matter may have caused you, but as the customer you are in the best position to know if items you have purchased using your debit card have cleared your checking account by utilizing a checkbook register. Due to no bank error being found in our research of this matter, we are unable to refund your overdraft fees. [redacted] it was certainly not our intention to cause you a** hardship and 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, Sarah S.Office of the PresidentPc: Revdex.com

Please find attached our response to the complaint filed by Mr. [redacted]. [redacted]Re: Equity FlexLine[redacted] Dear [redacted]:We received a copy of the complaint you filed with the Revdex.com and sent to the Bank...

regarding the application process for your new Fifth Third Bank Equity FlexLine 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 you experienced during the application process for your new Equity Flexline account. 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 information to all of our customers, and we regret and difficulties you encountered.When applying for an Equity FlexLine, several factors are reviewed in order to issue approval for the new account including your debt to income ratio and any related information that we receive from the credit bureaus. Should these factors not meet our required guidelines for the Equity FlexLine account, then the application may be declined.On September 30, 2014, you submitted a joint Fifth Third Bank Equity Flexline application for a requested credit line in the amount of $125,000. On October 20, 2014, we received your signed application and the additional documentation requested via fax. Per our guidelines, the required debt to income ratio must be forty-five percent (45%) or less and the payment to income ratio must be thirty percent (30) or less.After our initial review of the information provided, your application was conditionally approved for $115,000.00 on October 29, 2014. After attempting to verify the income documentation you provided, the Equity Flexline amount was reduced by $10,000.00 to bring the payment to income ratio within guidelines.While processing the application, we determined that your debt to income ratio exceeded our guidelines. Therefore, we submitted a counter offer to you for a smaller line of credit in the amount of $99,400.00. In order to bring the debt to income ratio within our guidelines, the following accounts needed to be paid off and closed or paid down to a zero balance:Account                                �...⇄ BalanceFifth Third Bank Mortgage Loan ending in [redacted]          $14,656.00, monthly payment $1,995.00Fifth Third Bank Credit Card ending in [redacted]                $17,757.00, monthly payment $356.00[redacted] (vehicle)                                   �...⇄ $4,351.00, monthly payment $395.00Fifth Third Bank Equity FlexLine ending in [redacted]         $55,390.00, monthly payment $152.00   It should be noted that the account balances shown above are based on information received from the [redacted] credit bureau when your application was initially submitted. On November 7, 2014, you chose to accept the counter offer and proceed with the application.The closing for the new Equity FlexLine was scheduled to be completed on November 14, 2014. However, you disagreed with the payoff amounts noted for your vehicle and mortgage loan at that time. Therefore, you requested that the closing be postponed until updated payoff amounts could be obtained.While working to get the updated payoff amount for your vehicle, our underwriting department realized that the amount noted above was for the remaining lease account payments due, not a payoff for an installment loan as previously thought. The full payoff amount we received from [redacted] Financial Services was $18,332.59. This was much higher than the prior amount used our in debt to income calculations.Unfortunately, we were not able to increase the Equity FlexLine to include the vehicle payoff or approve your application without paying off the vehicle since it would cause your debt to income ratio to be outside of our guidelines. After further review, an exception was made not to include the [redacted] Financial Services account and reduce the line of credit amount to $85,050.00. As a result, your application was approved.On December 4, 2014, the closing for the new account was completed, and your new Equity FlexLine ending in [redacted] was opened. Proceeds totaling $84,818.97 were advanced from the new account and disbursed as follows:Credit Card ending in [redacted]                  $17,944.19Equity FlexLine ending in [redacted]           $55,097.30Mortgage Loan ending in [redacted]             $11,777.48Mr. [redacted], please be assured that it was not our intention to cause you any hardship or frustration. We hope that this resolution was satisfactory. If I could be of further assistance to you, please contact me directly at [redacted].Sincerely, [redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.coms

[redacted]177 Montgomery LaneSpringboro OH 45066Date: August 19, 2015Account:      [redacted]Regarding Your Real Life Rewards Credit CardDear [redacted]:We received a copy of the complaint you filed with the Revdex.com concerning your Real Life Rewards...

Credit Card. 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 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 a review of the Real Life Rewards Credit Card account ending in [redacted]. On August 15, 2015, per your request, a temporary block was placed on the account. Please note the temporary block allows up to sixty (60) days to locate the card prior to the block becoming permanent. If you locate the card and would like to remove the temporary block, please call Customer Service at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. If you wish to request a replacement for the lost card, a $10.00 fee will apply as outlined on page four (4) of the enclosed Fifth Third Card Agreement. I am sorry for any inconvenience or frustration this has caused you.Thank you for your patience while we researched this matter for you. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. 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.April Q.Office of the PresidentPc: Revdex.comEnclosure: Fifth Third Card Agreement

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.]
I was at their [redacted]  Rd office  on 1-12-15 to pay off balance due. Returned 1-16-15 to again asked why no statements received. We verified the phone number and it was changed 20 years ago.  I received my first statement on 2-11-15. Unfortunately, we are at a crossroad, I can claim no statements received, they show statements with address and assume they were received. They can hear you but have not learned how to listen!  Please keep my complaint on file, maybe some else have had similar problems with Fifth Third Bank.
Regards,
[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]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
THEY HAVE NOT DONE ANYTHING EXCEPT SEND LETTERS THEY HAVE ALREADY SENT AND TELL ME I OWE THEM THE MONEY THEY FORGOT TO PUT INTO ESCROW. I DID CALL JENNIFER ABOUT A WEEK AFTER THE FIRST CONTACT AND SAID THEY NEEDED TIME TO LOOK INTO IT, THEN RECEIVED THE LETTER YOU HAVE POSTED AS 12/6 WHICH SAYS THEY NEED TIME TO LOOK INTO IT...AND I OWE MONEY! I GUESS WHEN YOUR A BIG BANK THE ONE AVERAGE PERSON MEANS NOTHING. HOPEFULLY YOU MAY HAVE BETTER LUCK I CAN'T BELIEVE THAT THEY THINK THAT LETTER IS SUFFICIENT I HAVE NOT EVEN BEEN TOLD WHERE MY UNACCOUNTED FUNDS WENT!
Regards,
[redacted]

[redacted] Date: April 4, 2015 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the follow up letter you sent to the Revdex.com concerning your Essential Checking account. We appreciate the time you have taken to express your concerns regarding this matter. We initially received a copy of this complaint on March 20, 2017. We received a copy of your follow up complaint on March 29, 2017. However, we stand by the response conveyed to you in the previous letter sent on March 28, 2017. I have enclosed a copy of that prior correspondence for your review. Although we regret the issues you experienced, and although we empathize with your situation, we will not reverse additional overdraft fees that were assessed to your account. We feel that the resolution we have previously provided is sufficient. We regret any inconvenience or frustration this might cause you; however, our position on this matter has not changed. 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 President PC: Revdex.com Enclosure (1): Previous Response Letter

[redacted] Date: October 7, 2016 Account: [redacted] Regarding Your Recent Deposit Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, regarding your recent deposit....

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. We strive to provide accurate and professional service to our customers and I regret if this is not the level of service you received. On behalf of the Bank, please accept my sincere apology for any inconvenience or frustration this matter has caused you. Please be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received and passed along your concerns. We understand your concerns regarding the availability of your deposit. We are continually working to ensure the funds from your deposits are available in a timely manner, while protecting you as the consumer, and the Bank from loss or possible fraud. In some instances, we reserve the right to place a hold on a deposit. The full amount of the deposit will not become available until the hold has ended. Depending on our reason for placing the hold on your deposit, part of the deposit or all of the deposit may be held. It is important to note that the Bank does not control the amount of time it may take for a check to clear nor does the Bank have any way to expedite this process. A hold may be placed on a check to allow sufficient time to ensure the check will not be returned. This guideline in addition to the Bank’s Funds Availability Policy is detailed in your Rules and Regulations available online at 53.com. As noted on the letter mailed to you on September 20, 2016, the reason for the extended hold was due to the account being a new account. On September 19, 2016, you opened an Essential Checking account online at 53.com. The first deposit you made was via our mobile banking app. I have enclosed a copy of the deposit for your records. The mobile deposit of $512.47 posted to your checking account on September 20, 2016. An extended hold was placed by our Operations Department. A letter titled Important Information About Your Recent Deposit was mailed to your attention on September 20, 2016. I have enclosed a copy of the letter for your convenience. Our research confirmed the funds became available to you on October 1, 2016. You made an Automated Teller Machine withdraw on Saturday October 1, 2016, and made several debit card purchases on October 1, 2016, and October 2, 2016. As of October 3, 2016, your account balance is $54.30. 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, Patrick S.Office of the President PC: Revdex.com Enclosures: Extended Hold Letter, Copy of Deposit

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 [redacted] am currently out of state and plan on responding formly to Fifth Thirds letter with the proof of their employees signatures that they themselves are too lazy to print. Fifth Third is doing nothing  but talking in circles and have proved nothing more then being bullies. I will return to [redacted] on. 3/21/16 and will formally respond as I do not want this issued closed until I get honest answers from this bank. It says a lot when your customers want to run in the other direction. Please remain open for me to discuss with my attorney.
Regards,
[redacted]

[redacted] Date: October 8, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your email and complaint submitted to the Revdex.com, regarding...

your mortgage 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 this situation 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. Per your request, we have reviewed your mortgage loan to determine the new monthly payment amount and amortization schedule if a principal only payment of $100,000.00 is posted to your account. The new monthly principal and interest payment would be approximately $2,029.72 at a fixed rate of 4.125%, with a maturity date of November 1, 2041. Am amortization schedule and letter are enclosed for your review. In order to re-amortize or recast your mortgage loan after a large principal balance payment, there is a processing fee of $100.00. Please submit a written request that includes the following information: ? Your full mortgage loan account number ? The dollar amount of the of the large principal amount paid to your mortgage loan ? The date the large principal payment was made ? A brief request to have your mortgage loan re-amortized ? Enclose check payment for $100.00 processing fee or advise if fee is to be charged to mortgage loan ? Your signature Please mail your signed written request to the following address: 5050 Kingsley Dr. 1MOC2N Cincinnati, OH 45273 Alternatively, the required documentation can be faxed to ###-###-####. 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): Amortization schedule, Letter Pc: Revdex.com

[redacted] Date: June 16, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the follow up letter you sent to the Revdex.com regarding your Essential Checking account. We appreciate the additional time you have taken to document your thoughts and concerns. As stated in my previous response to you on June 13, 2016, in your complaint you expressed concern over the visibility of transactions affecting your balance during the day. Debit card and Automated Teller Machine (ATM) transactions will show as pending against your available balance during the day because they are pre-authorized time-stamped debits. Checks and electronic payments (ACH payments) are batched payments and are collected from payees at the end of the business day for overnight processing. Because these items are processed overnight, they will not show as pending during the day. All transactions will post to your account during overnight processing in the following order and will be visible the next business day: ** Credits and deposits made prior to end of day cutoff ** Debit card and ATM transactions in the order they were authorized ** Checks and electronic payments in the order of highest to lowest amount ** Fees and service charges At the time that you authorized the [redacted] transaction for $19.00 on June 2, 2016, the balance in your account was $2.38. As was also stated in my previous response, when you checked your balance at the ATM on June 3, 2016, at 1:41 AM the [redacted] transaction for $19.00 you authorized on June 2, 2016, was being processed and would not have shown as pending. This payment was processed overnight and posted to your account for the June 2, 2016, business day. I apologize for any inconvenience this mater may have caused you, but the customer is in the best position to account for all transactions in their account to prevent an overdraft occurrence. As was also stated in my previous response to you, it is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. Pursuant to your previous fee waiver requests, we have reversed $74.00 in overdraft fees over the past twelve (12) months, as a courtesy to you. As such, additional courtesy overdraft fee reversals are not warranted at this time. [redacted], please accept our sincere apologies for any inconvenience or frustration this matter 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, Adam P.Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
This response just confirms that there is a huge communication issue with in this company. I have spoke with the office of the president and have confirmation that I did in fact respond to there letter within in the ten days  The office of the president  has confirmed that they reviewed recordings of my phone conversation with a customer service representative stating  that my letter/response was received however the investigator did not update my case with this information and in turn closed my case. The proof that the merchant has provided is proof of service they did  some work in which they were paid by a different credit card  but they are not entitled to this additional amount of $750.00.The merchant also is not on compliance with the [redacted] guidelines by not providing a return or refund policy on there webpage where payment was made.. I have informed Fifth Third Bank that I do not authorize this charge and that they can advise the merchant to take me to court to try and collect this amount where I can prove my case other wise.
Regards,
[redacted]