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.
[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]

[redacted] Date: March 24, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted].: We received a copy of your complaint submitted to the Revdex.com concerning the...

recent fee you received on your Essential Checking account. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. We have researched the issue surrounding the $11.00 monthly maintenance fee charged to your account, and found that this standard monthly fee was charged due to the account having not met the minimum balance or direct deposit requirements to waive it for the month. We deeply regret the inconvenience this caused, but were pleased to confirm that the activity associated with this matter was not reported to the credit reporting agencies. Additionally, this letter serves as confirmation of the fee which was refunded back to your account by the [redacted] Financial Center when the account was closed February 2, 2016. Regarding the attempted closure of your account in December, our research determined that the account was brought to a zero balance December 29, 2015, with the purchase of a cashier’s check. However, the account was not closed at this time. We apologize for any misunderstanding that may have occurred with this transaction. Additionally, your comments regarding your unhappiness with the verbiage contained in the Overdraft Notices received associated with this matter are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. I want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. [redacted], I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at [redacted] or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S. Office of the President

October
17, 2014
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
 
Re: Credit Bureau Inquiry
 
Dear
Mr. [redacted],  
We
received a copy of your complaint filed with the Revdex.com, concerning
the inquiry on your credit report....

We appreciate the time you have taken to
express your concerns regarding this matter.
We
conducted a thorough review of the inquiry listed on your credit report. Our
review determined that the information provided to the credit reporting
agencies is correct. On October 11, 2014, we received an application on your
behalf for an auto loan at the [redacted]. We have included a
copy of the adverse action letter sent to you on October 17, 2014, for that
installment loan application. However, if the application was submitted in
error by the dealership, they will need to provide us with a letter documenting
their error. The dealership representative can send the requested letter to the
following address:
 
Fifth
Third Bank
Office
of the President
Attn:
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
 
Alternatively,
this signed documentation can be faxed to my attention at: [redacted]. If
you would like to contact the credit bureaus directly, the contact information can
be found below:
 
[redacted]                        [redacted]
[redacted]          [redacted]
[redacted]      [redacted]
[redacted]                       [redacted]
 
If
the application was submitted to the dealership in your name fraudulently,
please contact your local law enforcement. 
They are able to assist you with completing the necessary documents for
any fraud that may have occurred.  If you
have already filed a police report and have a copy of it, please fax a copy to
us and we will have the inquiries removed.
We
strive to provide professional and accurate service to our customers, and I
trust the information detailed herein answers any questions you may have.  If I could be of further assistance to you,
please call me at [redacted] or toll free at [redacted].
 
Sincerely,
[redacted]
[redacted]
Consumer
Resolution Specialist
Office
of the President
 
Enclosure:
Installment Loan Adverse Action Letter

[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 find that this resolution is satisfactory to me.  I will assume that the system issue which caused the delay in removing me from collections is the same issue which caused them to incorrectly assert that I received 3 letters requesting insurance confirmation. I never received any of the requests that I was said to have received and I repeatedly communicated that to the folks with whom I spoke. I have received many other mailings from them so I know that they have my address, but the assertion that they incorrectly made doesn't prevent this issue from being resolved for me. 
Regards,
[redacted]

[redacted] Date: December 30, 2015 Regarding Your Recent ATM Deposit Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your recent ATM (Automated...

Teller Machine) deposit at a Fifth Third Bank banking center. We appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please find the enclosed check in the amount of $80.00 as reimbursement for the amount of the deposit not returned by the ATM. However, we are unable to provide you with any additional compensation. Thank you for your patience while we conducted our research. 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 Enclosure (1): Check

[redacted] Date:...

May 9, 2017 Regarding Your Mother’s Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. On behalf of the Bank, please accept my sincere condolences for your loss. We appreciate the time you have taken to document your thoughts and concerns. In observance of our privacy and security protocols, I cannot provide you with specific account details since you are not an owner of the account, or a listed Payable on Death beneficiary. Receiving notice that a checking account holder is deceased does not prevent fees from being charged to the account. The responsible party listed as the Executor of the decedent’s estate, or the Payable on Death beneficiary, is responsible for reviewing the account and can request that it be closed. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

I have closed my savings account, due to Fifth Third now charging a maintenance fee which is something they have never done before.The bank still has not agreed to send the debit card that was promised by the bank. Do not send that debit card now please.Instead of focusing on resolving the customer matter they are adding more financial burden to their customer.I'm leaving the checking account open so that I can pay my bills. I will save money with another financial institute.
My complaint stands because of the technical issue; the bank should have considered that fact because the money was in the bank accountsto pay for the bills yet the system did not save the assigned accounts to pay with the money that was present. Instead of the bank understanding thatthey financially penalized a customer who was trying to pay their bills. I have shared this with other friends and relatives and it will be discussed with othersI know. I'm sure that is not important to fifth third but people will know. My mother told me to close all my accounts with them. I'm looking forward to saving money in my new banking institute. And I will see how paying bills with fifth third goes before switch my checking account.
[redacted]

[redacted] Date: February 5, 2016 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com (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 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 mortgage loan closed on November 29, 2012. In December 2012, there was a Board of Review meeting held in [redacted] County, and two parcels [redacted] and [redacted] were combined to create the new parcel [redacted]. You were notified, by the County, that the taxes will not be collected on the old parcel [redacted] and taxes would be collected on the new parcel on September 14, 2013. A corrected tax bill was sent to you, which you did not forward to the Bank. Since the Bank was not notified of this change, taxes were reported as exempt and no disbursements were made. On June 20, 2014, you contacted the Bank regarding your delinquent taxes. The Bank contacted the [redacted] County tax office for payoff amounts. The first installment of taxes for parcel [redacted] was due on September 14, 2013 in the amount of $6,855.00. This amount included $855.00 in penalty for the delinquent taxes. Because the Bank was not notified by you of the parcel change, this penalty was charged to your escrow account. The Bank is unwilling to refund this amount. At that time, the Bank also satisfied your 2014 taxes with a payment of $3,451.84. This payment resulted in a total disbursement of $10,306.84. On July 31, 2014, a review of the escrow payments discovered an overpayment of $58.29. This amount was refunded to your escrow account by the County on September 5, 2014. After this deposit, your escrow account balance was negative -$10,599.67. It should be noted, your County requires that Homestead Exemptions are filed annually before March. Since this was not done prior to the deadline in 2015, the tax office billed your property tax amount of $6,346.94 due by September 14, 2015. This amount was disbursed on time from your escrow account. Because you filed for the Homestead Exemption after the deadline, the Bank was not informed of the reduced tax payment. On January 11, 2016, the Bank received a refund from the [redacted] for $3,136.79. Upon receiving the escrow refund, the Bank has analyzed your mortgage payment for February 1, 2016. I have enclosed a copy of the corrected escrow analysis dated January 19, 2016. The new analysis shows an escrow shortage of $5,927.24. The analysis provides you with two options to pay your escrow shortage. Option one (1) allows you to pay the shortage over the next twelve (12) months. Your new mortgage payment will be $2,368.09, with $1,576.47 being applied to principal and interest, $622.28 being applied to your escrow account, and $169.34 being applied to your escrow shortage. Please note, in order to qualify for the 2016 Homestead Exemption, you will need to file prior to March 2016. 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: Escrow Analysis

I provided an attached  document and due to technology error of the online banking process the bank should be considerate of that fact and refund 50% of the $222 overdraft fees: $111 (74+37) which leaves a remaining refund request of $37 to resolve this matter.

[redacted] Date: December 23, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your installment loan account. We appreciate the time you have taken to express your continued thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On behalf of the Bank, I apologize for the difficulties and concern this situation has caused you. However, we stand by our previous correspondence dated December 2, 2016, regarding the credit processed to your loan. Our position on this matter has not changed. For your reference, I have enclosed a copy of our previous correspondence and all enclosures. As advised in our previous correspondence, the interest rate for the first (1st) portion of your modification was correctly adjusted to the 5% Annual Percentage Rate (APR) per your modification. This information is listed in the payment history previously provided. You can view the interest rate change on page five (5) of the payment history for the date of September 14, 2011. We verified that the 5% APR portion of the modification processed correctly, and no adjustments are needed for that timeframe. The only error on your modification was that the interest rate increased to 9.8% APR instead of 7.5% APR on August 21, 2013. As previously explained, we completed an amortized payment history to determine how much money we needed to credit to the principal balance of your loan due to the interest rate error. Our previous correspondence explained how we determined what we needed to credit to the loan. However, I understand you have continued concerns that the amount was not accurate. An amortized loan is a loan where the interest paid each month is pre-determined and is not based on when the payment is actually received. If a payment due on the first (1st) of the month is not received until the twelfth (12th) of the month, you still only pay the interest that was owed as of the due date. This is how we calculated the amortization schedules. However, your loan is actually a simple interest loan. Simple interest loans accrue interest daily based on the Annual Percentage Rate (APR) being applied to the outstanding principal balance owed each day. For this reason, it matters when the payment is received. If a payment is due on the first (1st) but it is not paid until the twelfth (12th), interest is still accruing daily from the first (1st) to the twelfth (12th) so more of the payment is applied to interest than it would have if the payment was made on time. To be certain that the Bank sufficiently credited your loan, I manually calculated a payment history for the loan based on the correct 7.5% APR and the actual payments you made to the loan. A copy of this history is enclosed. Because we confirmed that the 5% APR processed on the loan correctly, the manually calculated payment history begins with the $61,312.13 loan balance after the June 21, 2013, loan payment processed. You will note there are rows that are highlighted. These lines are highlighted because the interest rate applicable during that time since the previous payment is blended. As a result, the interest had to be calculated for each applicable APR and/or daily interest rate separately and then added together to determine the total interest due for that payment. We adjusted the APR from 9.85% to 7.5% in August 2016. I completed the manual payment history through the September 23, 2016, payment to ensure we credited all necessary funds. Per the manual calculation, the principal balance of your loan after the September 23, 2016, payment would have been $56,223.29 if the interest rate had correctly adjusted to the 7.5% APR. Per the enclosed payment history, the actual principal balance of your loan after the September 23, 2016, payment, which was after we processed the $4,864.58 credit to the account, was $55,714.44. This information confirms that your principal balance is now less than it should have been if the interest rate had adjusted correctly. No additional funds are owed to you for the account. We are unwilling to provide you with additional compensation for the alleged damages related to failure to sell the property. You also mentioned concerns about the modification contract that you signed for the loan. Please be assured that the contract was forwarded to our Legal Department for review. We confirmed that the wording used in the document is legal. However, we no longer include the wording regarding a waiver of liability in our current modification agreements. Additionally, we do not enforce the waiver language as it is listed on your modification agreement. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Previous Correspondence

[redacted] Date: September 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 the frustration you experienced regarding this matter. I confirmed that you contacted the Bank on September 7, 2016, to dispute the $40.00 cash withdrawal you completed that was not dispensed. The case number for your dispute is [redacted]. Please note that federal regulations require the Bank to provide a provisional credit to your checking account within ten (10) business days of submitting the dispute. We provisionally credited the $40.00 to your checking account on September 13, 2016, which was four (4) business days after you filed the dispute. Enclosed is a copy of the letter we sent to you on September 13, 2016, about the provisional credit. Per the enclosed correspondence, you will have full access to use the $40.00 credited to your account while we research the dispute claim. Please note that if the dispute is not found in your favor, the $40.00 provisional credit will be removed from the account. If the dispute is found in your favor and approved, the $40.00 provisional credit will become a final credit. The Bank will submit a letter to you regarding the findings. If you would like to check on the status of your dispute in the meantime, please contact our Dispute Department directly at ###-###-####. The Dispute Department is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. Please provide the case number listed in this correspondence. 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: Provisional Credit Letter

October *0, *014
[redacted]
[redacted]
[redacted]
Re: Checking
account ending in [redacted]
 Dear Mr. [redacted],
We received a copy of your complaint recently
filed with the Revdex.com on October 13, *014, regarding the
overdraft and Early...

Access charges on your 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. We value your
relationship and appreciate the opportunity to respond to this matter.
Your beginning balance on Friday, October 3,
*014 was positive $[redacted]. On that day you had [redacted] transactions debit
your account totaling $[redacted]. In addition, on October 3, *014, you
authorized an advance from Early Access of $[redacted] to your checking account,
bringing your ending account balance negative ($[redacted]). Items were posted per
the Bank’s policy resulting in [redacted] fees of $[redacted] that posted to the
account the next business day. I am enclosing a copy of the Overdraft Notice
sent to you for this day. Mr. [redacted], it is important to make sure that your account has enough funds
to cover all of the transactions you have authorized. Fifth Third Bank has refunded $[redacted] in overdraft charges to you
in the last [redacted] days; therefore we are not able to refund any more
overdraft charges per our policies and procedures.
If an account becomes overdrawn, we assess an
overdraft fee for each item that posts while the account is overdrawn. We do
not assess overdraft fees on pending transactions and per item overdraft fees
will not be assessed if your account is overdrawn by $[redacted] or less at the end
of the business day. The amount of the per item overdraft fee is based on the
number of times your account has become overdrawn in the [redacted]
months. For the first overdraft occurrence, you are charged $[redacted] per item. The
second occurrence and higher is $[redacted] per item. An overdraft notice that
details how your account became overdrawn is sent to the address on file and is
also available on www.53.com.
Effective
March *5, *011, we process transactions at the end of each business day and do
not process transactions on Saturday, Sunday or Federal Holidays, but
transactions that post to your 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)
*.       ATM transactions and debit card
transactions in the order they took place
3.      
All other debits including checks, electronic bill payments and
fees, 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. This posting order is the same whether you accept or
decline Overdraft Coverage for ATM transactions and one-time debit card
transactions.
For
your convenience, enclosed is 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 and overdraft protection options is
also provided on the enclosed document.
Early Access allows eligible and enrolled customers to borrow
funds in advance from their next direct deposit on their checking account with
a finance charge of $[redacted] for every $[redacted] advanced to your checking account.
Early Access was designed to help our customers meet their short-term borrowing
needs and is not intended to provide a solution for longer-term financial
needs. As an alternative, we offer other forms of credit with competitive and
lower interest rates that are more suitable for longer-term needs including our
credit card or installment loan products which also allow a longer time period
for paying back borrowed funds.
On March 10, *009, you enrolled and agreed to the Terms and
Conditions for the Early Access feature on your checking account. Should you
decide to borrow funds from Early Access, it is important to borrow only as
much as you can afford to pay back with your next direct deposit. An Early
Access advance is limited to half of your combined monthly direct deposits of
$[redacted] or more rounded up to the next multiple of $[redacted], but it cannot exceed
$[redacted]. It should also be noted that depending on direct deposit activity on
the account advance limits are subject to change since they are calculated on a
three (3) month average.
After the borrowed funds are credited to your
account, you must repay the advance in full on the line of credit within
[redacted] days, including any finance charges assessed at that time.
Advances and related finance charges will automatically be deducted from your
checking account at the time of your next direct deposit of $[redacted] or more.
Any electronic direct deposits of $[redacted] or more are considered eligible to be
used as repayment towards the outstanding balance owed. I have enclosed a copy
of our Early Access Terms and Conditions which were provided to you at the time
of enrollment. Pages 4 and 5 provide additional information regarding repayment
conditions.
On October 6, *014, we received a direct
deposit of $[redacted]. As a result, funds totaling $[redacted] were automatically
deducted to go towards your outstanding Early Access balance owed according to
the terms and conditions mentioned above. In the [redacted] months, you have used the Early
Access feature [redacted] times. In each instance, you eliminated the
possibility of being charged multiple overdraft fees on your account by
borrowing from Early Access when you didn’t have enough funds in your account
to cover the transactions posting that day.
If you wish to make a manual Early Access
payment in the future versus automatic repayment from a direct deposit, you
have several options available including on the Internet at www.53.com, by calling our Customer Service Department
at [redacted], or by visiting your local Fifth Third Financial Center.
Please be aware that the manual payment must be received prior to your next
direct deposit and within [redacted] days of the original advance. If the
advance is not paid in full or a direct deposit does not post within
[redacted] days, we will automatically deduct any outstanding balance due
from your checking account. As of today, your total outstanding balance is
$[redacted].
We realize the importance
of being able to ensure easily that your account has sufficient funds to cover
the transactions you have authorized. To assist you with monitoring your
account, our toll-free Telephone Banking system is available twenty-four (*4)
hours a day at [redacted] Our Customer Service Representatives can be
contacted at the same telephone number and are available Monday through Friday
from 7:00 AM to 8:00 PM Eastern Standard Time (EST), and on Saturday from 8:30
AM to 5:00 PM EST. You can also access your account information at an ATM
(Automated Teller Machine), on our Internet Banking website at www.53.com, and on your mobile device through our
Mobile Banking service through 53.mobi. Additionally, an account alert can be
sent to up to four (4) e-mail addresses and one (1) mobile device when your
account balance falls below an amount you specify. We strongly encourage you to take advantage of our free
account alerts. These can be setup through Internet Banking at www.53.com.
Mr. [redacted], we strive to provide professional and accurate
information to our customers and we
sympathize with the difficulties you may have encountered. Please know that
customer feedback is reviewed with our management as part of our ongoing
commitment to improving our operations. You are a valued customer and we look
forward to serving your financial needs in the future. If I can be of
further assistance to you please contact
me at [redacted] or toll free at [redacted].
Sincerely,
[redacted]
[redacted]
Consumer Resolution Specialist Office of the
President
Enclosures: Auto Billpayer agreement, Overdraft notice, Early Access
Terms & Conditions

[redacted]Cincinnati, OH 45263[redacted]Date: April 2, 2015 Account: [redacted]Re: Lien release on Car TitleDear [redacted]:Thank you for the letter you sent to the Revdex.com regarding your installment loan. We...

appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced.On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with receiving your car title. 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.It is my understanding that a release of lien has now been sent for you. I am very sorry that it took multiple conversations to complete the task. The release of lien should not have taken as long as it did to complete. We appreciate the time you spent in documenting this issue and as a result, we were able to escalate this situation to management within the Customer Call Center and our lien release department.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,[redacted]Customer Resolution Specialist Office of the President

[redacted] Date: July 21, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding the escrow analysis you received for your...

mortgage loan 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. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. On June 25, 2015, an annual escrow analysis was conducted on your mortgage loan and sent to the address on file. The analysis indicated a shortage of $152.82 and an increased monthly escrow payment of $273.82 due to an increase in your property tax and homeowner’s insurance obligations. This notice also presented payment options in order to satisfy your escrow shortage obligations. If the shortage was not received by the due date indicated of July 15, 2015, the shortage would be divided into twelve (12) monthly payments increasing your overall mortgage payment from $602.24 to $689.03 effective August 1, 2015. Due to your complaint, we reviewed the property tax and insurance information on file for your escrow account. We confirmed that the second half tax disbursement sent to [redacted] Village is then forwarded to [redacted] for payment of your [redacted] property taxes. Hence, the projected disbursement for [redacted] in July 2016 for $1,003.60 was incorrectly noted on your account. As a result, the [redacted] property tax information was removed from your escrow account. On July 13, 2015, a corrected escrow analysis was completed for your mortgage loan. The updated analysis confirmed a shortage of $0.18 for your escrow account. As a courtesy, the nominal shortage amount has been effectively paid by the Bank on your behalf. As a result, the new monthly escrow payment for your account is $199.80. Therefore, your overall mortgage payment is $602.28, effective August 1, 2015. Copies of the escrow analyses referenced above are enclosed for your review. [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.Consumer Resolution Specialist Office of the PresidentEnclosure(s): Escrow Analyses Pc: Revdex.com

[redacted]Date: November 13, 2015 Regarding Your Money OrderDear [redacted]: We received a copy of the complaint you filed with the Revdex.com on November 6, 2015 concerning your $295.00 Money Order.  We appreciate the time you have...

taken to document your thoughts and concerns regarding this matter.We strive to provide professional and accurate service to our customers and I regret that the service you received did not meet that same high standard.  Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers and consumers.  Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns.We have been able to identify the $295.00 Money Order that you deposited into a Fifth Third Automated Teller Machine (ATM) on July 27, 2015.  I have enclosed the money order with this letter.We empathize with the frustration you have experienced with this situation.  On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that 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, Carolyn G.Office of the President Pc: Revdex.comEnclosure:

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
Regards,
[redacted]  I don't agree with what was updated on my credit report because Fifth and Third Bank decided to increase my balance from $8,642 to $13,139 after 7 years. Why wasn't it updated over the years? Why did I have to dispute it for them to added incorrect information to my report? I feel this should be removed because its 7 years later that they decided they want to add this information.  [redacted]

[redacted] Date: July 22, 2015 Account: [redacted] Regarding Your Credit Card Dear [redacted]: Thank you for contacting the Revdex.com and P. Brian M., Senior Vice President of Fifth Third Bank, concerning your credit card as it pertains to a...

charge from [redacted] in [redacted] for $454.95. 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 level of service you perceived from our Customer Service Department. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. I also want you to know that customer’s feedback and concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. However, I cannot inform you of any specific internal actions that may be taken. Fifth Third Bank received your affidavit about the fraudulent charge that posted to your credit card on June 11, 2015. The affidavit stated that you did not participate or receive any proceeds for the transactions on the form. If there was an error to the form, you were to make any changes and initial the item. When the item from [redacted] for $454.95 was circled and initialed, our system read that as being an item that should not have been listed on the dispute. A representative from our fraud department did try to contact you, but was unable to speak with you. The item was transferred from your old card to your new card according to the information received on the affidavit. This was not a new charge and at no time did any Fifth Third employee charge anything additional on your card. Our disputes department received the information that the customer service professional you spoke with on July 16, 2015 said she would forward back to them. The adjustment has been made to your new card and the fraudulent charge returned to the card that was compromised. The amount of $454.95 which you have stated is a fraudulent charge is not a responsibility for you to pay. There is still a valid outstanding balance on your card ending 7763 of $200.54. The items that make up that balance are: [redacted] $45.72, [redacted] $25.00, [redacted] $22.94, [redacted] $60.46, [redacted] $31.80, [redacted] $54.11and [redacted] ($39.49). I have included a copy of your credit card statement showing those items posting to your card. 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 ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Beth H. Office of the President Enclosure (1): Credit Card Statement

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 want all extra charges for towing and other fees eturned to me. They had no right to take my car
Regards,
[redacted] ...

[redacted]

[redacted] Date:           July 30, 2015 Account:            [redacted] Regarding Your Large Deposit Hold Dear [redacted]: We...

received a copy of your complaint submitted to the Revdex.com regarding your ATM (Automated Teller Machine) deposit and the subsequent hold placed on the funds. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. It was certainly not our intention to cause you any hardship. Fifth Third Bank takes your feedback seriously, and I 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 are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud. 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. A business day is defined as Monday through Friday, excluding Federal holidays. 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. In some instances, we reserve the right to place a hold of a longer period of time on a deposit. The full amount of the deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the seventh (7th) business day after the day of your deposit. For your convenience, I have enclosed a copy of our current Rules and Regulations. Please refer to pages eighteen (18) and nineteen (19), which provide additional information regarding funds availability policy. You deposited a check into your checking account ending in [redacted] for $819.50 at a Fifth Third Bank ATM on July 21, 2015. A hold was placed on this deposit due to the age of the account. Because your deposit was not made in person, we were unable to notify you at the time of the deposit that there would be an extended hold on the funds. The hold was placed systematically based on the information received at the time of deposit. For this reason, we mailed a notice to you at the address listed above on July 22, 2015, that notified you of the hold that we placed. The notice explained that $819.50 would be on hold and would become available to you on August 3, 2015. I have enclosed a copy of the hold notice for your convenience. I apologize if this information was conveyed to you incorrectly by the banking center. Regarding your other complaints listed, while we regret the experience your boyfriend had at the [redacted]-Downtown banking center, we are unable to research this issue further without discussing the matter with him directly as the account holder. We are not permitted to discuss an account with a third party without the account holder’s consent. 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 Bank Office of the President Attn: Sarah S. [redacted] Alternatively, you may fax this information to my attention at ###-###-####. However, 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 # [redacted] 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. [redacted], I appreciate this opportunity to 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., ET.Sincerely,Sarah S.Office of the PresidentEnclosures (2):Rules & RegulationsImportant Information about Your Recent Deposit Letter