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Fifth Third Bank Reviews (1358)

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 do not agree with what they or saying, because I ask the bank to cancel the transaction multiple times before the transaction have gone though. I have gone into the bank and ask them to stop anything that was coming in from that company because that company was try to go into my account all the time without my permission.   Also I have try to call the lady name Lisa who have send that letter to be in regarding to the letter she send me and I have not got any call back and I try calling he two times before today; I also call the company who Lisa said had my information and that company had gone out of business. [redacted]

[redacted] Date: December 29, 2015 Account: [redacted] Regarding Your Business Debit [redacted] and Business Checking Account Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. The dispute you reference in this complaint with the Revdex.com is for multiple charges with the [redacted] Company. Fifth Third Bank initially issued provisional credit to your account in the amount of $1,333.20 for this dispute. After issuing provisional credit, we worked with the company to recover the funds. The [redacted] company determined that there wasn’t a billing error and represented the charges on August 18, 2015. Our Disputes department attempted a second chargeback with additional information and won the claim for you. The provisional credit we issued on July 23, 2015, will remain in your account as a permanent credit. I’ve attached the letter informing you of our decision that was mailed to you on December 11, 2015, for your reference. If you have any questions or additional concerns, please contact our Disputes Department at ###-###-####. 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, Jennifer C. Office of the President Pc: Revdex.com Enclosure: Final Credit Letter, dated December 11, 2015

[redacted] Date: September 30, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your complaint filed with the Revdex.com regarding your mortgage loan 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. We researched your account and determined that you are not required to maintain Federal Housing Administration (FHA) insurance for the life of your loan. I am very sorry for any incorrect information you may have received. We strive to provide accurate and professional service, and I regret that was not your experience. Please be assured that this situation has been forwarded to the relevant Bank personnel. Please note that you must meet two (2) requirements in order to have FHA insurance removed from your loan. The outstanding principal balance must be seventy-eight percent (78%) of the original purchase price or appraised value, whichever is lower. Additionally, you must have paid FHA insurance premiums for at least five (5) years. While you have paid FHA insurance for five (5) years, your loan to value (LTV) ratio as of September 23, 2015, based on the $158,900.00 purchase price is ninety point zero seven percent (90.07%). For this reason, we are unable to remove FHA insurance from your account at this time. I am sorry for any distress this may cause you. Through the normal amortization of your loan, the FHA insurance will be removed automatically in August 2020. If your LTV reaches seventy-eight percent (78%) before then, you can request to remove FHA insurance at that time. Enclosed for your reference is a copy of the signed disclosure that explains when you can remove the FHA insurance. 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: FHA Disclosure

[redacted] Date: December 18, 2015 Account: [redacted] Regarding Your Recent Correspondence Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com concerning the Essential...

Checking account ending in [redacted] which was previously open with Fifth Third Bank. Please be assured that the 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. Please be assured that we have researched the issue surrounding the payments you have made to collection vendors after your Essential Checking account charged off with Fifth Third Bank October 21, 2014. I have verified that [redacted] is the Bank's initial collection vendor, but accounts may be sold to [redacted] for further collection. We deeply regret the inconvenience you have experienced attempting to repay this debt, and have reached out to [redacted] in an attempt to assist you. The [redacted] representative I spoke with verified that a payment of $170.79 was made May 27, 2015, a letter verifying that this payment was made is enclosed with this correspondence. If further discussion is needed with [redacted] on this matter, please reach out to them toll free at [redacted], Monday through Friday, 9 a.m. to 5 p.m., CT. You may also write to them at: [redacted] 
[redacted], I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. An additional copy of this letter has been forwarded to [redacted] 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, Sarah S. Office of the President Enclosure: Confirmation of payment to [redacted]

[redacted] Date: August 17, 2015 Account: [redacted] Regarding Your Established Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your...

Established Checking account. We appreciate the time you have taken to document 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. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We apologize for the confusion regarding your Overdraft Coverage settings. Upon further review of your account we see you accepted Overdraft Protection March 2012 with your Relationship Savings account ending in [redacted] for purchases when your checking account had insufficient funds. Our records indicate you have had Overdraft Protection transfers between the period of March 6, 2012, to May 27, 2015. Please remember that if you decline Overage Coverage, your card will be automatically declined when attempting to make a debit card transaction if there is an insufficient balance. Overdraft Protection is a transfer of funds from a secondary account that takes place at the end of the business day to cover an already overdrawn balance. Overdraft Protection does not automatically transfer on-the-spot in the event there is a debit authorization on an insufficient balance. Currently, your Overdraft Protection account, the Relationship Savings account ending in [redacted], has been closed. On August 8, 2015, per your request, your Overdraft Coverage options have not been changed to decline all card purchases that may overdraw your account. We completed a review of the account transactions and the fees that were assessed. Please note you have several options available if you wish to review your available account balance, including via the ATM (Automated Teller Machine), on the Internet at 53.com, alerts via text message, and by calling our automated customer service line at ###-###-####. If the account becomes overdrawn, we also mail an overdraft notice to inform you of the occurrence that includes a detailed breakdown of the day’s transactions. Our review of the account included the following: ? On July 21, 2015, the beginning account balance was $59.65. Three (3) debit card transactions and one (1) ATM withdrawal totaling $164.23 posted to the account, leaving the account balance at ($104.58). The debit card transactions were not assessed an overdraft fee. However, the ATM withdrawal was assessed an overdraft fee in the amount of $37.00 the following business day. ? On July 27, 2015, the beginning account balance was $126.02. One (1) credit in the amount of $22.85 posted to the account. Also, two (2) debit card purchases and a web initiated payment totaling $198.02 posted to the account, leaving the account balance at ($49.15). The debit card transactions were not assessed an overdraft fee. However, the web initiated payment was assessed an overdraft fee in the amount of $37.00 the following business day. ? On July 28, 2015, the beginning account balance was ($49.15). One (1) debit card transaction in the amount of $53.65 and the $37.00 overdraft fee from the previous business day posted the account, leaving the account balance at ($139.80). The debit card transaction was assessed an overdraft fee in the amount of $37.00 the following business day. ? On July 29, 2015, the beginning account balance was ($139.80). Two (2) credits totaling $178.50 posted to the account. Also, one (1) debit card transaction in the amount of $10.00 and the $37.00 overdraft fee from the previous business day posted the account, leaving the account balance at ($8.30). The debit card transaction was not assessed an overdraft fee. ? On July 30, 2015, the beginning account balance was ($8.30). Two (2) debit card purchases totaling $85.43 posted to the account, leaving the account balance at ($93.73). Both debit card transactions were assessed overdraft fees in the amount of $37.00 each, totaling $74.00, the following business day. ? On July 31, 2015, the beginning account balance was ($93.73). Five (5) debit card purchases totaling $133.47 and the $74.00 overdraft fee from the previous business day posted to the account, leaving the account balance at ($301.20). Each of the five (5) debit card transactions were assessed overdraft fees in the amount of $37.00 each, totaling $185.00, the following business day. ? On August 3, 2015, the beginning account balance was ($301.20). One (1) credit in the amount of $64.46 posted to the account. Four (4) debit card purchases totaling $220.42, the $185.00 overdraft fee from the previous business day, and the $3.95 world debit monthly fee posted the account, leaving the account balance at ($646.11). Each of the five (5) debit card transactions were assessed overdraft fees in the amount of $37.00 each, totaling $185.00, the following business day. ? On August 4, 2015, the beginning account balance was ($646.11). One (1) credit in the amount of $67.66 posted to the account. Five (5) debit card purchases totaling $70.87 and the $185.00 overdraft fee from the previous business day posted the account, leaving the account balance at ($834.32). Each of the four (4) debit card transactions were assessed overdraft fees in the amount of $37.00 each, totaling $148.00, the following business day. I have also enclosed a copy of the overdraft notices that were sent to the address listed above for your convenience. We completed our review of the overdraft fees assessed to your account between July 21, 2015, and August 5, 2015, totaling $703.00. Our review determined there was no Bank error in assessing the overdraft fees to the account. However, in the interest of customer service, on August 8, 2015, the Bank reversed $150.00 of the overdraft fees, and these funds were credited back to your account. Because there was no Bank error in assessing these fees, we are unable to waive any additional fees. I am sorry for any 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 Enclosures: Overdraft Solutions, Overdraft Notices

[redacted] Date: May 12, 2017 Account: [redacted] Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received your complaint filed with the Revdex.com regarding your...

installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Thank you for taking the time to speak with me via the telephone regarding your concerns with your installment loan. To recap our conversation, I explained that I had waived one (1) overdraft fee of $37.00, and one (1) $15.00 return deposit item fee to your checking account ending in [redacted] on May 4, 2017. On May 3, 2017, I waived a late fee of $16.50 on your installment loan. I also offered to reverse the payment that was made by our Collections Department on May 1, 2017, for $252.03; however, you would need to make alternate payment arrangements for that payment with our Collections Department. You stated that you did not want us to reverse the payment. Your installment loan is currently due for the May 18, 2017, payment of $255.07. As of today, your checking account balance is negative ($460.38) and has been overdrawn for eight (8) days. Please ensure that a deposit is made to your account to cover the negative balance as the Bank will charge off your checking account and report it to ChexSystems if the balance remains negative for fifty five (55) days. When a debt is owed for one (1) of your accounts, the Bank has the right to transfer funds from another account you are an owner of, to cover the debt owed to the Bank. This is known as the Bank’s right to offset, and is disclosed in our Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards. On page eleven (11) section seven (7) of our Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards, it states, “Any obligation may be charged to any deposit account in the name of Customer or in the name of any Joint Customer and Customer hereby grants to Bank a security interest in Customer’s accounts with Bank and any accounts Customer has with any Bank Affiliate to secure the Obligations, regardless of the amount of contribution by any Customer to such account(s). Customer agrees that the security interest it has granted to Bank hereunder is consensual and is in addition to Bank’s common law right to set off. Customer also grants Bank the right, on Bank’s own behalf and on behalf of any Bank Affiliate, to set off against any and all funds in Customer’s account to pay any Obligation owed by the customer.” For your reference, I have enclosed a copy of the Bank’s Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards. Please note that there is no required number of telephone calls that must be made in order for the Bank to exercise the right to offset. The right to offset can be used any time your account is past due. We apologize for any difficulty or concern this may have caused you. Our Collections Department may reach out to you via the telephone, or via standard mail to alert you of the past due status of your account. In reviewing our records, it does appear that our Collections Department attempted to contact you via the telephone on several occasions, using the telephone number we have on file of ###-###-####; however, they were not able to reach you. Multiple attempts to reach you were made. I have included a list below of the days telephone calls were placed to you. February 23, 2017-February 28, 2017 March 1, 2017-March 4, 2017 March 6, 2017-March 11, 2017 March 13, 2017-March 15, 2017 March 23, 2017-March 31, 2017 April 1, 2017 April 3, 2017 April 6, 2017-April 8, 2017 April 10, 2017-April 15, 2017 April 17, 2017-April 22, 2017 April 24, 2017-April 29, 2017 The Bank may make several calls each day in an effort to obtain a payment or to arrange suitable payment arrangements with you. When placing telephone calls, our Collections Department does not leave a voicemail message. The letter mentioned in your correspondence that was dated May 2, 2017, was the only letter that the Bank sent to you. During our research into this matter, we discovered an issue with two (2) checks that were recently deposited into your account and then returned into your checking account. On April 19, 2017, we received your Automated Teller Machine (ATM) check deposit of $47.00. On April 24, 2017, the item was returned with the return reason listed as “Unable to Locate.” On April 28, 2017, we received your ATM check deposit of $255.07. On May 3, 2017, the item was retuned with the return reason listed as “Unable to Locate.” Copies of the checks that were returned are enclosed for your review and convenience. Also enclosed for your reference is a copy of your account statement for the period from April 12, 2017, to May 11, 2017. This return reason of “Unable to Locate” is listed when the paying institution of the account from which the check is drawn, either does not exist or has been closed. Since this type of activity presents an unacceptable level of Risk for the Bank, our Bank Protection Department has made the decision to close your account. On May 10, 2017, our Bank Protection sent a letter to you informing you that your checking account would be closed by the Bank within thirty (30) days from the date of the letter of May 10, 2017. A copy of the letter dated May 10, 2017, is enclosed. As is indicated on the enclosed copy of the letter dated May 10, 2017, if you have additional questions regarding the activity in the account that prompted the Bank’s decision to close your checking account, within thirty (30) days from May 10, 2017, please call our Bank Protection Department. Our Bank Protection Department can be reached at ###-###-####, Monday through Friday, 8 a.m. to 7 p.m., ET, Saturday, 8 a.m. to 12 p.m., ET. We strive to provide professional and accurate service to our customers, and again I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President PC: Revdex.com Enclosures (4): Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards, Copies of Returned Checks, Checking Account Statement

Please find attached a copy of the letter being mailed to the customer today. Thank you.January 15, 2015Karen J. Miller[redacted]Re: Equity FlexLine [redacted]Dear [redacted]Thank you for the follow-up letter you sent to the Office of the President regarding your...

Equity FlexLine. We also received a copy of the complaint you submitted to the Revdex.com. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. However, we stand by the response conveyed to your in our previous letter sent on December 18, 2014. Our position on this matter has not changed.As we explained in our previous letter, there is a non-refundable annual charge of $65.00 assessed each year your Equity FlexLine account remains open for use of the account. Unfortunately, we do not have any record of any exceptions being made to the annual charge that may be assessed per your credit agreement. Please note that the credit agreement states that an annual charge “may” be assessed as opposed to “will” be assessed to allow for State-specific exclusions. North Carolina has no provision that prevents the Bank from assessing an annual charge to an Equity FlexLine.On October 25, 2014, an annual charge of $65.00 was assessed and posted to your Equity FlexLine ending in [redacted]. On November 24, 2014, we received and posted your payment of $65.00 to satisfy the annual charge.It was certainly not our intention to cause you any hardship. However, because the annual charge is non­refundable, we are unable to refund the charge to you. I am sorry for any frustration this may cause you.Please be aware that annual charges will continue to be assessed regardless of current usage until the account is closed. Unfortunately, we are unable to close the account as you requested in your complaint. In order for us to close the account, you need to provide us with a signed written request. You may mail this signed request to the following address:Fifth Third BankOffice of the President Attn: [redacted]      Alternatively, you may fax this signed request to my attention at (513) 358-3493. Please be aware that if you choose to close your account within three (3) years from the date of your credit agreement, which is October 15, 2013, an early termination fee of $300.00 will be assessed to your account.You also expressed concerns that you had to make several trips to the banking center while your Equity FlexLine application was being reviewed. Please note that throughout the application process, our Underwriting Department may request additional documentation to proceed with your application, I am sorry for any inconvenience this may have caused you.Thank you for your patience while waiting for a response. We regret that you feel the need to close your account. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at (513) 358-1813, or toll free at (866) 360-5353.Sincerely,Elizabeth DraperSenior Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

[redacted] Date: January 29, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding a recent ATM...

(Automated Teller Machine) transaction. We appreciate the time you have taken to express your concerns regarding this matter. Our top priority is to provide our customers with outstanding service. At Fifth Third Bank, we are continuously evaluating the service we provide to our customers. Your comments expressing less than quality service are very concerning. Please be assured that we take your feedback very seriously and the relevant parties have been contacted to express your dissatisfaction with the service you received. According to your complaint, you were recently using a Fifth Third Bank ATM and attempted to make a cash deposit to your checking account. While the ATM was processing your deposit, the machine went down and retained your card and the deposit. Our Disputes Department was contacted and case # [redacted] was opened to fully research your claims. The investigation was completed and on January 15, 2016, your checking account was credited $2.00. According to your complaint, you are not satisfied with the outcome of our investigation. Therefore, our Disputes Department has re-opened your case to further investigate your claims. We will have a final determined no later than February 10, 2016. Written confirmation will be sent to you from the Disputes Department once our investigation is completed. We strive to provide professional and accurate service and I apologize for any inconvenience this matter has caused you. You are a valued customer and I appreciate this opportunity to address your concerns. If I may be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com

Please find attached a copy of the letter being mailed to the customer today. Thank you.Re: Collection CallsDear [redacted]:We received a copy of the complaint you submitted to the Revdex.comregarding the collection calls you received for your credit card accounts....

Yourfeedback is very important to us as it allows us to better understand how wecan improve our service to you, and we are sorry to hear about the difficultiesyou are experiencing with your health.On behalf of the Bank, please accept my sincere apologies for any inconvenience orfrustration this matter may have caused you. Please be assured that we havecontacted the relevant parties to express your dissatisfaction with thetelephone calls you received and passed on your concerns. It was certainly notour intention to cause you any hardship or stress. I also want you to know thatcustomer feedback is reviewed by our senior and executive management teams aspart of our ongoing commitment to improving our customers’ satisfaction.On June 23, 2003, a joint Standard MasterCard ending in [redacted] was opened with you and [redacted] listed as jointaccount holders. Also on July 25, 2006, a joint Cash Rewards MasterCard endingin [redacted] was opened with you and[redacted] listed as joint account holders. Due to severe delinquency,both accounts were charged off as bad debts on January 29, 2010.Mr. [redacted] subsequently filed bankruptcy on July 6, 2010, and these accounts weredischarged in his bankruptcy on November 2, 2010. Please note that Mr. [redacted]filed bankruptcy as an individual, and the discharge only applies to the personwho filed bankruptcy. Because you are a joint account holder, and did not filebankruptcy jointly with Mr. [redacted], you remain liable for the balances on theaccounts.However, as of January 29, 2015, the statute of limitations has expired under Illinoislaw, so Fifth Third Bank is no longer able to collect on these debts.Therefore, we will discontinue collection efforts, including calls to you, andyou are not responsible for paying the remaining balances on these accounts.Please be aware that although you are no longer obligated to pay the balanceson these accounts, Fifth Third Bank will report the remaining balances to theIRS (Internal Revenue Service) as taxable income, and you will receive 1099-Cforms for the 2015 tax year. As of January 29, 2015, the balance on the StandardMasterCard is $6,319.49, and the balance on the Cash Rewards MasterCard is$8,316.18.Thank you for your patience while waiting for a response. It is a well-known fact that nobusiness can survive without its customers, and I want to assure you that wetruly value your banking relationship with us. If I could be of furtherassistance to you, please contact me directly at [redacted]

I had 3 charges of $10 on Ebay from a seller that was processed and hit my account 1-2 minutes before midnight. I check my account periodically to avoid any NSF fees if I have time to deposit. But 53 Bank ALWAYS process these charges 1-2minute before Midnight so you can not run to an ATM to make a deposit to avoid charges since by the time you get to ATM it is already next day and you incur NSF charges. All nsf charges on my account were processed same timew - 1-2 minute before MIDNIGHT. This is Unethical practice - with one purpose to hurt account holder.Need the fees refunded or this time I will go local newspaper. Thanks, [redacted]

[redacted]                        Date:       May 6, 2015         Account: [redacted]...

    Re: Charged Off Checking Account  Dear [redacted]:  We received a copy of the complaint you recently filed with the Revdex.com.  We appreciate the time you have taken to document your thoughts and concerns and we apologize for any hardship this situation may have caused you.  Our records show you filed a police report for your stolen purse and exposed identification occurring on February 25, 2015.   A fraud case was opened on March 6, 2015 by our Disputes Resolution Department to investigate the fifteen (15) forged checks that posted to your account March 4, 2015 and March 5, 2015.  Twelve (12) of these checks were returned to the bank that negotiated the checks and three (3) of the items were not able to be returned.   As a result of the investigation, the twelve (12) items, mentioned above, were returned to your account on March 9, 2015.   We reversed the overdraft fees totaling $481.00 that resulted from this situation on the same date.  In addition, we reimbursed you $600.00 for the three (3) checks that we were not able to return.  This fraud case was closed on March 9, 2015.    Upon further review of your account ending in [redacted] we have identified sixteen (16) additional checks that posted to your account March 9, 2015 through March 19, 2015, apparently forged, that came through your checking account after the above mentioned case was closed.  Unfortunately, our Disputes Resolution Department was not notified of these additional stolen checks and a new case was not opened.  Consequently, when the account remained overdrawn, it was charged off on April 23, 2015 and sold to Allied Interstate, a third party collection agency.  In the interest of customer service, we are recalling this debt and removing any reporting associated with this charged off account.  Please note that statements for your checking account which reflected the apparent fraudulent checks were mailed to you at the mailing address we had on file at the time.  Our records reflect that your mailing address was changed by you to this address in October 2013.  Enclosed please find copies of the statements.     It was not our intention to cause you any frustration or a hardship.  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, [redacted] Office of the President   Pc: Revdex.com

[redacted] Date: May 22, 2015 Account: [redacted] Re: Business Checking Account Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com. 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 April 17, 2015, you filed a dispute with us for a purchase with [redacted] on April 3, 2015, in the amount of $1,262.87. This type of dispute is called a merchandise based dispute and can take up to 120 days for our Dispute Department to conduct their investigation and make a decision. Should their research support your dispute, final credit will be issued to your account. However, if their research does not support your dispute, they will notify you by mail. If you have any questions or additional concerns while our Dispute Department conducts their investigation, you may contact [redacted], Disputes Servicing Specialist, at ###-###-####. You are a valued customer and I appreciate this opportunity to address your concerns. 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

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.
The resolution proposed does not resolve my issue. The statement that I made is that Fifth Third is predatory in their over draft policies. There should never be a need to decline overdraft protection three separate times, in three separate ways. This is not typical of the way most banks require the decline of overdraft protection. It appears that Fifth Third relies on its consumers to be unaware of the intricacies of what is needed to decline overdraft protection, and because of that, know they are able to make a few hundred dollars off of every consumer that is not given the complete details. This is predatory, and I will be closing my account. 
Regards,
[redacted]

October 10, 2014
[redacted]
[redacted]
Re: Installment loan xxxxxx[redacted]
Dear Ms. [redacted],
We received a copy of your complaint filed with
the Revdex.com regarding your attempt to make a payment to the
installment loan account that belonged to...

[redacted]. We appreciate the
time you have taken to express your thoughts and concerns regarding this
matter.
Your comments expressing less than quality
service are very concerning and have been forwarded to the appropriate
personnel. On behalf of the Bank, I apologize for the inconvenience and
frustration this issue has caused you. When a customer contacts the Bank, we
expect each situation will be handled accurately and professionally. I
apologize that your phone call to the Bank was disconnected as well as for the
subsequent experiences you had over the telephone. We appreciate your feedback
as it assists us in identifying problems and to continuously improve the level
of service we provide to our customers. We cannot inform you of specific
internal corrective actions that may be taken to resolve this matter. Any
disciplinary action related to an employee is not public information that we
can share with customers. However, please be assured that we will take the
necessary actions to ensure proper disciplinary action or training does occur.
Please be advised that the
$[redacted] monthly payment for the installment loan is due by the [redacted]
of each month. The installment loan is considered past due for payment if we do
not receive the total monthly payment by the due date. The final calendar day
of the [redacted] day grace period is not the due date for the payment
obligations. The grace period indicates when a late charge will be assessed to
the account for a past due payment. When you contacted Fifth Third Bank on
September 25, 2014, to make a phone payment for the installment loan, the account
was past due. The final day of the grace period for this loan is the
[redacted] of each month. You contacted the Bank on the
final day of the grace period. Had you been able to make your phone payment on
September 25, 2014, no late payment fee would have been charged. As of October
8, 2014, the account is still delinquent for the $[redacted] payment that was due
on September 15, 2014. I confirmed that the $[redacted] late payment fee that we
assessed for this late payment was waived on September 26, 2014, by a
representative in our Deceased Accountholders Department.
Please note that the status of the account in
question dictates which department within the Bank can take a phone payment for
the account. Our Customer Service Department can take phone payments for
accounts that are current. The Customer Service Department is open Monday
through Friday from 7:00 a.m. to 8:00 p.m. Eastern Standard Time (EST) and
Saturday from 8:30 a.m. to 5:00 p.m. EST. While Customer Service is open until
8:00 p.m. EST, only those payments made before 7:00 p.m. EST will be applied
for the same day. Payments made after 7:00 p.m. EST are applied to the account
the following business day. If the account is past due, only our Collection
Department can schedule the payment. If you were to contact Customer Service to
make a payment for a delinquent account, the Customer Service Professional
speaking to you would need to transfer you to the Collection Department. Our
Collection Department is open Monday through Thursday from 8:00 a.m. to 9:00
p.m. EST and Friday through Sunday from 8:00 a.m. to 5:00 p.m. EST. However,
because the owner of the installment loan ending in 5949 is deceased, neither
our Collection Department nor our Customer Service Department can take payments
for the account. Due to the status of this loan, only our Deceased
Accountholders Department can take payments for the account. The Deceased
Accountholders Department is open Monday through Friday from 8:00 a.m. to 5:00 p.m. EST. I apologize for any confusion
or misinformation regarding the Bank department that could assist you with
making your payments. When you contacted the Bank after 5:00 p.m. on September
25, 2014, the Deceased Accountholders Department had already closed so we were
unable to transfer you to speak to them and make the payment. I regret any
inconvenience that this may have caused you.
I understand that you had concerns regarding a
fee charged to process the installment loan payment by phone. In the states
where it is applicable by law, Fifth Third Bank charges a $[redacted] fee to make a
payment to an account by telephone. I have confirmed that the $[redacted] fee is
applicable for vehicle installment loans both in [redacted] The
phone payment fee is charged for each payment that is scheduled.
Ms. [redacted], I regret the frustration you have
experienced regarding this loan after the passing of your father. We certainly
understand that this is a difficult time. Please accept our condolences for
your loss. If you would still like to make the payment to the installment loan
by telephone, please contact our Deceased Accountholders Department at [redacted] Monday through Friday from 8:00 a.m. to 5:00 p.m. EST.. Please note
that the $[redacted] phone payment fee may apply You also have the option to mail
the payment to the Bank using the address listed below. Please include the
account number with your payment.
Fifth Third Bank [redacted]
If you submit a payment via overnight mail or if
you are including a payment coupon, please submit the payment to the address
listed below.
Fifth Third Bank
Madisonville
Operations Center
5050 Kingsley
Drive
[redacted]
Cincinnati, OH
[redacted]
We appreciate your patience while we researched this matter. If I
can be of any further assistance, please contact me at [redacted] or toll
free at [redacted]
Sincerely,
[redacted]
Consumer Resolution Specialist Office of the President
Pc: Revdex.com

Attached is the response being mailed to the customer today.
Revdex.com[redacted]
[redacted]
[redacted] **   [redacted] 
Dear [redacted] :
This message is in regard to your concerns submitted on 2/2/2015 11:37:50 AM against Fifth Third Bank.  Your complaint was assigned ID [redacted].  We received the business's response to your concerns, and you can find the contents of the message below or attached.
To assist us in bringing this matter to a close, we would like to know your view on the matter. 
     * Has the company addressed the issues of this dispute? 
     * If not, why? 
     * Has the company met the agreement they outlined in their response?
Please submit your thoughts via online system, fax or mail within 7 days. 
The text of your complaint may be publicly posted on Revdex.com's web site (Revdex.com reserves the right to not post in accordance with Revdex.com policy). Please do not include any personally identifiable information when you tell us about your problem or in your desired outcome. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. Revdex.com may edit your complaint to protect privacy rights and to remove inappropriate language.
Your complaint will be made part of the company's Revdex.com Business Review.  If we don't hear from you, your complaint will be reflected as "resolved."  Should you have any questions or further concerns, please do not hesitate to contact us.  We would be glad to assist you. 
Regards,
[redacted]  [redacted] 
MESSAGE FROM BUSINESS:
Attached is the response being mailed to the customer today.

[redacted] 
[redacted] 
[redacted] Date: May 10, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding the...

fees charged to your business checking account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. We value your relationship with Fifth Third Bank and appreciate the opportunity to respond to this matter. Your comments expressing less than quality service are very concerning and I regret the difficulties you have encountered regarding your account. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. If the available balance in your business checking account is not sufficient to cover items that post to your account, the posted items may be returned unpaid and subject to overdraft fees. If an account becomes overdrawn, we assess a $37.00 overdraft fee for each item that posts while the account is overdrawn. An overdraft notice that details how your account became overdrawn is sent to the address on file and is also available on *3.com. In addition, an $8.00 daily overdraft fee is assessed when the account remains overdrawn for five (*) days. This fee is charged for every calendar day the account has been overdrawn and it may continue to be assessed until the account returns to a positive balance. I have enclosed a copy of our Rules & Regulations handbook that you received and agreed to when the signature card was signed at your account opening. Pages five (*) and six (6) provide information regarding fees applicable for our business accounts. On April 18, 2016, the beginning balance in your business account was $172.96. Six (6) withdrawals totaling $216.31 posted to your account creating an ending balance of negative ($43.3*). Since your checking account balance was not sufficient to cover one (1) transaction that posted, the Bank charged your account one (1) overdraft fee of $37.00 the following business day. I have enclosed a copy of the overdraft notice that was mailed to you on April 19, 2016. This notice provides additional detail regarding the transactions that posted to the account and the fee that was assessed. On April 19, 2016, the beginning balance in your business account was negative ($43.3*). Three (3) debits totaling $60.21 posted to your account creating an ending balance of negative ($103.*6). Since your checking account balance was not sufficient to cover the three (3) transactions that posted, the Bank charged your account three (3) overdraft fees of $37.00 the following business day. I have enclosed a copy of the overdraft notice that was mailed to you on April 20, 2016. Your checking account balance has remained negative while additional items continued to post to the account causing additional overdraft fees. The account has also been charged daily overdraft fees of $8.00 each. The checking account has been charged for each day it has been overdrawn. To avoid paying additional fees, a deposit will need to be made to the account to bring the account positive. As of today, the balance in your business checking account is negative ($782.26). It is important to ensure that your account has enough funds to cover all of the transactions you have authorized. As a valued customer, we have reversed a total of $111.00 in overdraft fees to your account within the past month. Therefore, we are unwilling to waive any additional fees, as you have requested. After reviewing your account, it was determined that you do not have overdraft protection set up for this account. For a business account, Overdraft Protection can be connected to a Fifth Third Bank business savings account or business credit card to cover items that overdraw your checking account. With Overdraft Protection, you will be charged one (1) Overdraft Protection transfer fee of $12.00 instead of an overdraft fee of $37.00 for each item that overdraws your account. If you would like more information about Overdraft Protection for your business account, please contact your local Financial Center or contact our Consumer Contact Center at ###-###-####, Monday through Friday, 7 a.m. to 10 p.m. EST, or Saturday, 8:30 a.m. to * p.m. EST, to setup Overdraft Protection for your business checking account. It was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. 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 at ([redacted]) [redacted], Monday through Friday, 8 a.m. to 6 p.m., EST. Sincerely, Lisa S. Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosure: Rules and Regulations handbook, Overdraft Notices

[redacted] Date: November 27, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com regarding your checking account....

We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Overdraft coverage allows debits and payments to be made even if you do not have enough money in your account. Effective June 11, 2010, customers had the option to choose whether to continue having overdraft coverage on their account for Automated Teller Machine (ATM) transactions and one-time debit card transactions. When overdraft coverage is activated, ATM transactions and one-time debit card transactions may overdraw the account and would potentially result in overdraft fees. If overdraft coverage is declined, it does not prevent ACH (Automated Clearing House) transactions, check items, or recurring debit card transactions from posting to the account, and the transactions may be assessed overdraft fees if they post when there are not enough funds available. The overdraft fee for the first (1st) overdraft occurrence is $25.00, any additional overdraft items thereafter will be $37.00 per item. Your checking account was opened on January 19, 2010. At the time your account was opened, customers did not yet have the option to opt-in to overdraft coverage. You declined overdraft coverage on June 21, 2010, at an ATM. Because you did not make a decision to opt-in or to opt-out of overdraft coverage when it became available to you on June 11, 2010, you were opted out of overdraft coverage automatically from June 11, 2010, until you declined it on June 21, 2010. Because you declined overdraft coverage, your ATM and one-time debit card transactions are not approved if there are insufficient funds in your checking account at the time of the transaction. You mentioned in your complaint that you were charged overdraft fees on transactions that should not have been approved because you have not opted-in to overdraft coverage. Specifically, you mentioned the timeframe of January 2014 through the present. We reviewed each overdraft fee that has been assessed to your account since January 2014. Our review determined that the overdraft fees assessed to your account were assessed accurately and in accordance with Federal Regulation. Each transaction that has been charged an overdraft fee on your checking account has been a check, an ACH transaction, or a recurring debt card purchase. As explained above, checks, ACH transactions, and recurring debit card purchases are not covered by overdraft coverage under the Federal Regulation, meaning we are permitted to charge fees to those transactions. Enclosed for your reference are copies off all the statements and overdraft notices that have been issued to you for your checking account since January 1, 2014. While reviewing the overdrafts that have occurred on your account, we noticed multiple transactions to “[redacted] DEBIT CRD ACH” that have posted to your checking account and caused fees. Please note that these are purchases made using a debit card that was issued to you by the retail store [redacted]. The debit card is linked to your Fifth Third Bank checking account. However, this is not a Fifth Third Bank issued debit card. The transactions you complete using the [redacted] debit card do not process an authorization to your checking account to ensure that funds are available. The transactions you complete using the [redacted] debit card post to your account as an ACH transaction, which is not covered by overdraft coverage. You mentioned that you have been charged overdraft fees for transactions that were not showing on your pending account activity. Please note that checks and ACHs transactions do not show as pending items on your checking account. For this reason, you do not see checks or ACH transactions as pending items on your account. 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. As a result, checks and ACH transactions are visible on the account the day after the payments were presented to the Bank, and they are dated for the business date they were received. Each customer is responsible for tracking their balance and non-debit card transactions so that they know how much money is actually available to them after their checks and ACH transactions process. Enclosed for your reference is a copy of the Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards. Pages eleven (11) and twelve (12) explain how we process your transactions each day. Please be assured that our processing order for your transactions complies with all Federal Regulations. Effective March 25, 2011, transactions that post to your checking account are processed as follows: 1. Add in credits and deposits made prior to the end of day cutoff time (according to our Funds Availability Policy) 2. Deduct posted timestamped debits, including ATM transactions and debit card transactions, in the order they took place 3. Deduct all other posted debits including checks, ACH transactions, electronic bill payments and fees, in the order of highest amount to lowest amount 4. Deduct fees and service charges in the order of highest amount to lowest amount You also mentioned that you have been told by Bank personnel that there are transactions you cannot see as pending, but Bank employees can see as pending. I apologize for any misinformation that may have been provided to you. Bank employees are able to view the same pending account activity that you can see. However, our Customer Service Department has access to a separate system that will show if there is an ACH transaction scheduled to process out of your account. If you would like to contact the Bank in the future to verify if we have information about ACH transactions scheduled to process from your account, please contact the Customer Service Department at ###-###-####. Customer service is available to look up information in this system for you Monday through Friday from 7 a.m. to 8 p.m., ET. Please note that this system will show the ACH information only if the merchant has already submitted the information to the Bank. Additionally, that system updates regularly throughout the day. It is possible that you can call the Bank at 10 a.m. and there will be no ACH information listed, but then we receive the information at 5 p.m. the same day. If that were the case, you would have been notified at 10 a.m. that there were no ACH transactions scheduled to process at that time. However, an ACH transaction would have processed because we received the ACH request later that day. We cannot guarantee at any time that the transactions listed in our ACH system are the only ACH transactions that will post to your account. This system also does not track checks that are not converted to electronic transactions. You stated that the overdraft fees assessed to your account accumulate additional overdraft fees. Please be assured that Fifth Third Bank does not charge overdraft fees on Bank fees that cause your checking account balance to become negative. During our review of your account, we confirmed that you were not charged overdraft fees on Bank fees. It is possible, however, for an overdraft fee to cause a further negative balance on your account, which could in turn cause additional transactions you completed to post in the negative. If that is the case, the transactions you completed are subject to returned item and overdraft fees. 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 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. The Bank also offers the option to remove overdraft coverage for checks and ACH transactions. If you decline overdraft coverage for checks and ACH transactions, the Bank will return these transactions as unpaid if there are insufficient funds. Please note that the transactions are still subject to returned item fees. Additionally, the merchant is able to present the transaction again multiple times, which will incur a returned item fee each time if funds are not available. If you would like to decline overdraft coverage for checks and ACH transactions, please visit your local banking center. You can also contact the Customer Service Department, or myself using the phone number listed below. Customer service is available to assist you with overdraft coverage 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. I am sorry for the difficulties you have encountered regarding your account. As a valued customer, we reversed fees totaling $74.00 on September 2, 2015, as a courtesy to you. Therefore, we are not willing to waive additional fees at this time. As of November 23, 2015, your account has a balance of negative ($872.07). 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 Enclosures: Statements and Overdraft Notices, Rules and Regulations, Fifth Third Overdraft Solutions

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.   
Per my original complaint and all subsequent complaints, Fifth Third has put in writing to me that my overdraft limit is $2500 but they still rejected numerous items and charged me fees.  Additionally, there are numerous instances where they rejected items, charged me a fee, the merchant re-presented the exact same charge, they charged me another fee but paid the charges, with no changes to my account between events.  They have made no effort to address these issues except by restating what they already told me which was that they are standing behind their original decision.  Because they formally stated that my overdraft protection is $2500, but they denied transactions less than this and charged me fees, I would like all the fees from October to-date refunded and an exact and formal explanation of how my account will be managed going forward.
Regards,
[redacted]

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Address: 384 1st St, Watervliet, Michigan, United States, 49098-5104

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