Fifth Third Bank

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. They quickly provided me a check when they discovered that I made this complaint but falsely rationalized their mistreatment of this matterThe letter dated March 13, has carefully worded untruths I am victim of poor record keeping on their part In addition, they unfairly find fault with the banking center staff *** ***, who tried multiple times to contact the escheatment department in November, the first time I made contact with herShe also continually kept in contact with me to see that this matter was handled properly From the beginning, in a letter dated aug.29, 2014, I placed a call as they directed to the number they provided and made a verbal request for the check to be replaced Call verification can be provided * 9-22-@ 9:am After days and no response I placed a 2nd call, Oct 22, I was informed that a replacement check would be issued and to watch out for an unmarked envelope, that there would be no 5/return address on it(later to discover that the bank chose to send my money to the state on that very date, instead of sending it to me)I was instructed to contact * *** ***, but both times I tried, he was unavailable Whomever was taking his calls should be held accountable Response letter from *** ***: Her response letter was innaccurate, and misleadingHer determination that the banking center staff should have contacted the escheatment dept, and is at fault is a complete lie I sat there for minutes as this poor employee tried to wade through the banking phone system, requesting assistance multiple times to every department she was transfered toShe carefully explained what/who she was attempting to contact She explained the situation, provided her employee number, my name and vital information - only to be transfered time and again
Although the bank feels that providing me with the money they held onto for years( hiding behind the guise of left hand/ right hand practices) the fact remains that the policies of this bank deserve careful scrutiny
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Please see attached response to customer and associated documents January 28, 2015*** ** *** *** *** *** ** ***Re: Internet Bill PaymentDear *** ** ***:We received a copy of your complaint filed with the Revdex.com concerning the date your Online Bill
Payment check cleared your checking account ending in ***We appreciate the time you have taken to express your concerns regarding this matter.Our goal is to provide professional and accurate service to our customers and I am sorry if that has not been your experienceWe appreciate your feedback as it allows us to continuously improve the level of service provide to our customers.Our Digital Services User Agreement states the following concerning what due date to choose when you schedule an online bill payment as well as check presentment:Due Date means the date by which you schedule the payment to be delivered to a payee unless the date falls on a non-business day, in which case it shall be the preceding Business DayYou must determine the Due Date based upon the payee-provided due date, any applicable grace period, late payment policy or late fee and/or your knowledge of actual time required for the payee to receive and process the paymentYou must schedule the Due Date far enough in advance to allow the service to process and send the payment to the payee in advance of the Due DateThis may be up to five days prior to the Due DateThe system will provide you the earliest possible Due Date for a particular payment.Some bill payments are made via check and some are made via electronic transaction (ACH)Fifth Third Bank cannot control when a check will be presented by a payee and it is possible for a check to be presented before the due dateIt is your responsibility to ensure you have funds available in your account sufficient to pay all requested bill payments, no matter the method of paymentIf you do not, you may incur fees such as overdraft fees or returned item fees.In the event that your account has insufficient funds to pay a bill payment, you may be blocked from using the Bill Payment service for a period of time.For this Bill Payment, an automatic rule was set by you to deliver the payment by a due date of the fifteenth (15th) of each monthFor payments that are delivered via check, such as this, a payment is sent four (4) business days prior to the due date to ensure that your payment is received on time by the payeeFor your reference, as mentioned above, if the due date were to fall on a Holiday or a weekend, the payment will be sent the business day prior to thisFor this instance, the payment was initiated in our system January 9, 2015, mailed January 12, 2015, then received, processed, and cleared January 13, In the interest of customer service, we have waived the two (2) $overdraft charges you accrued on January 14, I want you to know that after reviewing your complaint, the language used in our Digital Services User Agreement is under review.In order to ensure that this issue does not occur again, we would suggest that you update your auto bill payment rule due date on 53.com to either the actual date of the payment, or when you would like the payee to be receiving said payment in the mailIf you have any difficulty updating the recurring payment, please contact me directly at the telephone number belowI would be happy to walk you through the necessary steps to cancel the paymentAs of January 23, 2015, we have confirmed the auto-pay is still set up, and the next payment is scheduled to be deducted from your checking account on February 9, If you do not cancel the auto-pay prior to that date, another payment will be deducted from your checking accountWe apologize for any frustration this may cause you.Ms***, I can assure you that it was not our intention to cause you any undue hardshipYou are a valued customer, we appreciate your business, and we look forward to serving all of your banking needs in the futureOn behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this situation may have caused youIf I can be of further assistance, please contact me toll free at *** ***, or directly at *** ***.Sincerely, *** ***Consumer Resolution Support Office of the President*** *** *** *** *** ***Thank you,*** ***

*** * *** I do not have the account number on the installment loan. I always provide *** social security when I speak with 53. I’m the court appointed administrator of his estate

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID***, 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.] Fifth third di not address the issue of paying a faulty bill on my behalf and subsequently causing me to be in a great deal of debt with the bank. They instead explained why they charged me fees that I was not aware that they had charged. They totally skirted the issue that I initial complained about
Regards,
*** ***

Please see attached letter being mailed to customer today. January 13, 2015*** ***
*** *** ***
*** *** ** ***Re: Promotional MailingsDear *** ***:We received a copy of the rebuttal you submitted to the Revdex.com regarding the promotional mailings you have received from Fifth Third BankWe 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 further inconvenience or frustration this matter may have caused youAs we informed you in our previous letter dated October 28, 2014, we removed your name and information from the lists we use to generate promotional mailingsHowever, as we also informed you, some mailing lists are compiled up to three (3) months in advance, and due to the timing of the removal, your name and information were still on mailing lists that had already been compiledSince receiving your rebuttal, we confirmed that your name and information will not be on any future lists, so you should not receive any additional promotional mailings from Fifth Third BankI hope this letter meets your satisfaction and resolves your needs.Thank you for your patience while waiting on a responseIt was certainly not our intention to cause you any hardshipIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####.Sincerely,*** ***Senior Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

*** *** ***
*** ** ***
*** ** *** Date: April 27, 2015
Account:
***Re:
World Debit Card Dear *** *** ***:We
received a copy of the complaint you recently filed with the RevDex.comWe appreciate the time you have taken to document your thoughts and
concerns.We
strive to provide professional and accurate service to our customers and I am
sorry if that has not been your experience.
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. Please be assured that we have contacted the
relevant parties to express your dissatisfaction with the service you received
and passed on your concerns.I
apologize if you were given inaccurate information regarding the expiration of
your original World Debit card ending in ***. However, our records reflect that the block
was removed from the replacement card you received and was used by you on April
9, 2015. An additional replacement World
Debit card was ordered on April 6, by the banking center manager. This account, ending in ***, was first used on April 19, 2015. The delay in getting this debit card to you
was caused by a delay in the production process of the cards by our vendor who
produces them for the Bank. I
regret the difficulties you have encountered regarding your account and it is
unfortunate that this situation has caused you so much concern, but we are not
offering compensation for this matter.You
are a valued customer and I appreciate this opportunity to address your
concernsOn 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, a.mto p.m., ET.Sincerely,*** ***Office
of the President Pc:
Revdex.com

November 19,
*** ** ***
P.OBox***
*** ** ***
Re: Account #***
Dear Ms***,
We received a copy of the complaint you filed with the Revdex.com dated November 4, 2014, concerning your checking and savings accountsWe appreciate the time you
have taken to express your thoughts and concerns regarding this matter
We strive to provide professional and accurate service to our customers and I am sorry if that has not been your experienceCustomer 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 customersPlease be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns
We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulationsThe 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 fraudThe Bank’s Fraud Protection Department continuously monitors transactions that post to your accounts for possible fraudOur Fraud Protection Department received information from the paying bank that indicated the check for $*** deposited into your Fifth Third account may not be paidTherefore, they placed a block on your account and recommended your accounts be closedEnclosed is a copy of the letter, which was mailed to you on November 4, informing you about the hold placed on your accountPlease note that no fees were assessed to your account as a result of this matter
Although you provided information from your previous financial institution that indicated the $*** check was pending, it did not reflect that there were sufficient funds in your account to cover the depositManagement agreed to remove the block placed on your accounts if the check was not returned due to *** funds (***)When the check was not returned, the hold was released on November 6, 2014, and the accounts were closed on November 7, 2014, after you received the funds in the accountsPlease disregard the notice that was mailed to you on November 17, 2014, from our Fraud Protection Department, which informs you the account willbe closed in thirty (30) daysAdditionally, this activity will not be reported to an inter-bank consumer reporting agency as stated in the notice
The Bank’s promotional offer of $*** for Stand Up to Cancer was contingent upon the customer switching their direct deposit to their Fifth Third account and paying three (3) bills using the Bank’s Auto BillPayer systemIt appears you did not complete these requirements in order to receive the cash bonusTherefore, we will not issue the promotional offer of $*** to you
Our records reflect that the Automated Teller Machine (ATM) card was mailed to the address you provided when the accounts were openedI apologize if the Bank had not verified the address and did not advise you
It should be noted that the correspondence we received from you, dated November 4, 2014, lists the above address as your mailing addressHowever, the Bank currently has an address on *** *** in ***, *** on file for youIf you have recently moved, and would like the Bank to correct your address, please feel free to contact me directly at the number belowI would be happy to assist you
On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused youIf I could be of further assistance to you, please call me at *** *** ** *** *** ** *** ***
Sincerely,
*** ***
Consumer Resolution Specialist
Office of the President

Attached is our response to the complaint filed by Ms***
Carolyn Grieme

*** ** *** *** *** *** *** *** ** *** Date: July 6, 2016 Account: *** Regarding Your Checking Account Dear *** ** ***: We received a copy of your complaint filed with the Revdex.com, regarding your checking account ending in ***We appreciate the time you have taken bring this matter to our attention. We understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience this matter might have caused youIt was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this accountPlease be assured that we contacted the relevant parties to fully research your account and passed on your concerns. As stated in the letter sent to you on January 21, 2015, we have confirmed that the charged off checking account was removed from Chexsystems on January 15, 2015. However, after researching your concerns about this account we determined that the account was not successfully purchased back from *** Management. We need additional information in order to attempt to settle the balance owed to the current collection agency servicing the accountPlease provide a copy of a billing statement, payoff quote, or collection notice from the current collection agency servicing the checking account ending in ***The requested information can be mailed to the following address: Fifth Third Bank Office of the President Attn: Elizabeth J. Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. We appreciate your patience while we researched this matterIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET. Sincerely, Elizabeth J.Office of the President

Please see attached written response to the customer, mailed on January 5, 2015. Thank you. January 5, 2015*** * *** *** *** ** *** *** ***RE: Overdraft fees on account ***Dear *** ***We received a letter sent to the Revdex.com on your
behalf regarding your checking account and the overdraft fees which had recently been accessedWe appreciate the opportunity to respond to this matter, and we sympathize with the difficulties you are experiencing.We have done a thorough review of your account in regards to the fees and items that posted to your accountPer our research we have determined that you informed the Bank you did not wish to dispute any of the fraudulent transactions on your account and would handle them directly with the merchants involvedHowever, in the interest of customer service we waived $in fees as a courtesyAs of January 5, your account balance is positive $2,732.21.We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused youIf I could be of further assistance to you please contact me directly at *** ***, or toll free at *** ***.Sincerely, *** ***Consumer Resolution Specialist Office of the President

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Attached is a copy of our response to the complaint filed by *** *** *** December 9, 2014*** ***
*** *** *** *** *** ***
*** ** ***Re: Lien Release
*** *** *** We received a copy of your rebuttal to our previous letter, filed through the Revdex.com dated November 17, 2014, concerning your request for a lien release We appreciate the time you have taken to express your thoughts and concerns regarding this matter Thank you for sending a copy of the title for your vehicle However, you did not provide the Vehicle Identification Number (VIN) for the vehicle, or the year, make, or model of the vehicle that would have enabled us to further assist you.Upon further review of the paperwork you have provided, we have asked our Fraud Department to investigate the issue They have opened case #*** to review your request For further information, please contact our Fraud Hotline at (*** ***It was not our intention to cause you additional frustration with this matter If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####.Sincerely, *** ***
*** *** ***
*** ** *** ***
Pc: Revdex.com

Please find attached a copy of the letter being mailed to the customer today, thank you. January 21, 2015 *** ***
*** *** ***
*** *** ** ***
Re: Mortgage loan xxxxx*** Dear *** *** 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 regarding this matterOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. I am very sorry for the difficulties you experienced while attempting to make principal only payments to your mortgage loanPlease be assured that we have forwarded your complaint about misapplied payments to the relevant personnel within the BankI am sorry if you were told to write instructions on the memo line, told to send in two (2) separate payments, and for any payments you submitted with instructions written on a note that were not processed as you advised. I confirmed that multiple adjustments were made to your mortgage loan to take payments that were used to pay your mortgage loan ahead and reapply them as principal only paymentsPlease be advised that principal only payments are also called curtailmentAnything listed as a curtailment is the same thing as a principal only paymentEnclosed for your reference and review is a copy of your payment history after we reapplied paymentsUnfortunately, there are four (4) payments that were not applied the way you have stated you wanted them, and there were no adjustments made to correct themThe payment dates in question are July 8, 2013, July 30, 2013, July 16, 2013, and August 4, Please be assured that we reapplied those payments and determined that we owe you $in extra funds that you paid at payoff because of the misapplied paymentsThe $check is enclosed for your convenienceThe payments were reapplied as follows: ? $3,paid on July 8, 2013: Applied to pay $1,for the July 1, 2013, payment and $1,to curtailment. ? $3,paid on July 30, 2013: Applied to pay $1,for the August 1, 2013, payment and $1,552.48 to curtailment. ? $1,paid on July 16, 2014: Applied to curtailment. ? $3,paid on August 4, 2014: Applied $1,for the August 1, 2014, payment and $2,to curtailment. On October 6, 2014, we received a $3,payment for your mortgage loanBased on the complaint we received, your intention was to have this applied as $1,for the October 1, 2014, due date and the remaining $1,applied as curtailmentHowever, we applied the payment as $1,for the October 1, 2014, due date and $1,for the November 1, 2014, due dateWe did not receive another payment for the account until the payoff was received on December 16, If we were to go back and reapply the October 6, 2014, payment as $1,for the October payment with the extra $1,going to curtailment, then your mortgage loan would be reported as thirty (30) days late for November For this reason, this payment was not reapplied. You mentioned in your complaint that there are items listed as unapplied on your mortgage payment historyPlease be advised that Fifth Third Bank will place funds into an unapplied state if we aren’t immediately sure how the payment should be applied per our processingThe unapplied funds are reviewed the next business day and applied *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** ** *** *** ***
to the accountAdditionally, payments that include a note are placed into an unapplied state so that the note and payment can be manually reviewed and appliedFunds are also moved to an unapplied state during the process of reapplying paymentsBecause there were several reapplied payments on your account, there are several items listed as unapplied credits and unapplied debitsPlease be assured that all reapplied payments are backdated to the date the payment in question was originally received. We received the payoff for your mortgage loan on December 16, Please note that the Bank issues a refund for any overpayments, including funds remaining in escrow, within ten (10) business days of the payoff dateOn December 26, 2014, we mailed a check in the amount of $4,to the address listed aboveThe funds were issued on the eighth (8th) business day after your payoffWe confirmed that your wife contacted the Customer Service Department on December 17, 2015, and asked when the escrow funds would be sentThe representative she spoke to advised that refunds are sent ten (10) days after payoff so it takes a couple weeks after the payoff to be receivedOur records also reflect that you spoke to our Customer Service Department on December 29, 2014, and you asked when your escrow check would be sentThe representative explained that the check was sent on December 26, You contacted Customer Service again on December 31, 2014, and spoke a supervisor who also explained that the check was sent on December 26, We strive to provide accurate and professional service, and we take matters of misinformation very seriouslyIf you are able to advise who you spoke to about the account that said the check was issued prior to December 26, 2014, I would be happy to further research your concernsI can be reached at the phone number listed below, by fax at ###-###-####, or by mail using the following addressIf you have not received the refund check for your mortgage, please contact me directly. Fifth Third Bank *** ** *** ***
*** *** ***
*** *** ***
*** *** ***
*** ** *** We appreciate your patience while we researched this matter and we value your businessIf I can be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####. Sincerely, *** *** *** *** *** ***
*** ** *** *** Pc: Revdex.com Enclosures: Payment History, Refund Check *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** ** *** *** ***

Please find attached a copy of the letter being mailed today. *** *** *** *** *** ** ***Re: Revdex.com Complaint Dear *** ***:We received a copy of the letter you submitted to the Revdex.com regarding your installment loan and
the collection efforts for paymentsWe 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 the difficulties you have experienced with your Installment LoanIt was certainly not our intention to cause you any hardshipWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsI 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 did review the history of your installment loan and correspondences we attempted to have with youThere were calls place on December 31, 2014, January 1, 2015, and January 2, which detected an answering machine or recorded messageOn January 7, 2015, a representative of the bank spoke with you and updated our system for a better number to contact you at in the futureWe do attempt to contact customers who may have become late on a payment to assist in keeping the loan current and eliminate any negative reporting.On-line and ACH payments are an option that a number of our customer’s useThe set up is done at our customer’s depository institution and payments initiated monthly to ensure posting to their loan secured through Fifth Third BankCustomers do have the option to contact Fifth Third Bank at our customer service line and make a payment over the phoneThere is a fee if this option is chosenThe number for Customer Service is ***.Thank you for your patience while we researched this matter for youWe regret that you feel the need to close your account, and we certainly hope you will reconsider using Fifth Third Bank for your financial needs in the futureIf I could be of further assistance to you, please contact me directly at *** *** or toll free a* *** ***Sincerely, *** ***Consumer Resolution Specialist Office of the President

September
30,
***
** ***
*** *** *** *** ** ***
Re:
Account #xxxxxx***
Dear *** ***,
We
received a copy of the complaint that you filed with the Revdex.com
dated September 24, 2014, concerning the
hold placed on your deposit. We appreciate the time you have taken to
express 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. 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
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 $***
from all deposited checks is available immediately; the remaining funds will be
made available on the next business day.
I apologize if you were given inaccurate information as to when the
deposit would be posted to your account and when the funds would be available
to you when you called our Customer Service Department.
However,
in some instances, we reserve the right to place a hold of a longer period of
time on a depositThe full amount of the deposit will not become available
until the hold has endedAvailability 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 updated Rules and
Regulations, which you received a copy of upon opening your account. Pages and provide additional
information regarding extended holds on deposits
In
researching your concerns, we found that a check for $***, which you
deposited through your mobile device, was posted to your account on September
18, 2014. Our system placed a hold on
the deposit when it was processed due to the repeated overdraft situations on
your checking account. In the six (6) months prior to this deposit, your account
had become overdrawn on seven (7) occasions.
You
were sent a notification letter indicating this reason for the hold on
September 19, 2014. As explained in that
letter, the full amount of this deposit will become available to you on September
29,
I
would like to assure you that the hold placed on your deposit was not intended
to cause you any hardshipYour checking account did not become overdrawn
during the timeframe that the hold was in effect and no overdraft fees were
assessed to your account
Mr
***, we appreciate your patience while we researched this matter and we
value your relationship 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 *** ***
Sincerely,
***
***
Consumer
Resolution Specialist
Office
of the President
Pc:
Revdex.com
Enclosure:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in
reference to complaint ID ***, and have determined that this does not
resolve my complaint.
Fifth Third Bank:
I will say good choice in a name for this bank, except the
fraction numbers are incorrect
First of all, I want you to tell me how consecutive
charges for cokes at a vending machine raised a concern? I use my card at
vending machines all the time for multiple itemsSo you're telling me I must
only have a coke and a bag of chips but if I add a pack of gum or a candy bar
to make a third item this is a security alert??? I have to say your response to this issue is
mediocre just like your bank and its practicesThe only regret I have is not
researching 5/bank on the Revdex.com site prior to opening accounts with youThe
complaints speak for themselvesI've also noticed I missed the chance to
participate in a couple of class action lawsuits against your bank while I did
business with youI'm not worried, I'm sure there will be more and I will be
the second to sign up
Next, the statement that you don't "require"
customers to notify you is another contradiction within your pathetic establishment
I was told when I called in that I was "supposed to" let you know I
was travelingMaybe you want to inform your security department employees that
this is not requiredI had no issues when previously traveling might I add
Since having this "final straw" incident with your bank, I've found
co-workers and others that have closed accounts with you for similar instances
of confusion and error. "The
purpose of the block was to have you call us"...you went on to explain
that your security department was closed blah blah blahThat's complete
nonsense because I have been emailed at night time previously by your bank with
an inquiry about a chargeMind you they did not block my card, they emailed
for me to contact them and confirm the authenticity
You mentioned that these charges were "outside of my
activity pattern"Ok so let's assume you are actually watching my
activity pattern or have some algorithm to do soTwo months prior to me
leaving to go out of town a large amount spent to reserve a resort room for a
week, renting a vehicle days before I left, getting gas with my card on the way
and during the trip, a hold being put on my card for incidentals when I checked
into the resort, purchases at theme parks the first few days, and a drink purchase
at the resort bar didn't ease your concern when I purchased cokes at the
resorts vending machine on the fourth day? Oh I get it, you thought this was
absurd because I was supposed to be on vacation alone in your opinionI get
it...I see now...you looked in my profile and saw that I was single so of
course I couldn't be purchasing multiple sodas as that would contradict my
spending patternRidiculous
Moving along to "Fifth third takes protecting financial
and personal information very seriously...” I'm sorry I call nonsense again
When I walked in to your bank to close it on April 30th, your teller took my driver’s
license and dispensed $to me from the accountI then clarified to her that
I didn't want a portion of my money but all of it to close the account and then
your manager *** went on the tangent of needing more identification because
my account was from out of stateWas my account not an out of state account
when she dispensed the first amount?? Did they make an error and try to correct
themselves with the next transaction?? Or are the employees of 5/and the
culture just lax, incompetent and careless as a whole??? I have chosen the
lastI have had to have more errors corrected by this bank and more phone
calls of apology from the *** *** branch than you'd like to admitThis
bank is mediocre at bestWhen I demanded a rational explanation of the
difference in the transactions as far as my identity your, ***, decided he
wasn't going to do anymore business with me and I was trespassingHe
subsequently called policeThe policeman even laughed at the complaintI'm
curious as to how I'm trespassing where my money is? Don't worry that question
was rhetorical
"Later that day, another agent....attempted to call
you..” That is a blatant lieNewsflash for you, I don't have a home phone
That number you have for me has gone to my cell phone from day oneIt is a
cell number to clarify for youI did not receive a single phone call from 5/
bank or message alerting me to any issueI spoke to the manager at the Powder
Springs branch about my irritation and desire to close this account that dayI
do see one admittance to error in your letter regarding the incident;
"they replaced the block on your card in error"Yes your employees
make nothing but errors, but unfortunately this statement incorrectA second
block was never placed on that card until I returned home and had to dispute
chargesSuspicious charges that I might add Google does not even recognize the
origination description nameI'm sure that was placed there by your bank in an
attempt to justify your actions and cover your butts
"In addition we expect our customers to conduct
themselves in a respectful manner during all interactions with the BankDuring
our review of your complaint, we have found that this does not seem to be the
case with your conduct at the *** Banking Center." I wonder if you
can go through as many inconvenient errors throughout years of banking with 5/
as I have, fees incurred in error on your part, etc., and having an institution
erroneously freeze your funds while you are more than miles away from home
and still keep a cherub-like demeanor....I doubt itJust a little FYI, I was
already at the top of my head with 5/3's antics before my trip and had already
started banking with ***This was just the final straw and insult to me as I “allowed"
5/to use my funds
"On May 11, 2015, the balance in your checking account
was $A total of $in fees was credited back to your accountFive
(5) transactions posted to your account totaling $1,354.34, creating an ending
available balance of negative ($516.02)Due to non sufficient funds four (4)
overdraft fees totaling $were assessedThe ending available balance was
negative ($664.02)I have included a copy of the overdraft notice for your
review"How convenientI have a couple of questions for you#you
cancelled the card on Thursday prior to the account closing because I had to
dispute the two above charges, so what transactions came through between then
and Monday? #Your manager called to ask me on the 11th if I wanted to come in
to withdraw my money (since I didn't have a card) or did I want her to mail me
a check, so how is it the account was closed May 11th, but then a mysteriously
large amount of transactions came through after you closed the account? Where
are these transactions from?
Finally you neglected to mention that one of the fees
reversed to me on May before closing the account was a $fee that I had to
have an email argument with your customer service representatives for almost a
month to get resolvedIt's unfortunate that your staff does not even recognize
that $74-$62= $12, yet you call your staff BANKING personnel
I'm ending my communication with you at this point except to
say I requested an apology from *** *** and not *** ***If I do
not get that I am prepared to move forward with setting up a website and Facebook
page dedicated to warn consumers, especially minorities, about the short
comings of this bank
Lastly, I find it interesting I can only get communication
through the Revdex.com and every request I've had for upper management [Regional
Managers] or beyond was ignored throughout the relationshipI urge anyone to
think three times before opening an account here
Regards,
*** ***

Not once was it mentioned about me reporting my card lostI wasn't going to pay on a card I didn't haveWhen I did receive my card which was almost weeks later I went to try in make a payment but my card was revokedI understand there is nothing left to do at this pointThis is not the first time that this bank has shut down one of my accountsMany of the times were unnecessary
*** ***

February 6, 2015 *** ** *** *** *** *** ***
*** *** ** *** Re: Installment Loan *** Dear *** ** ***: We received copies of the complaints you submitted to the Revdex.com and the Consumer Financial Protection Bureau
regarding your installment loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your installment loan ending in ***Please be assured that we have researched this matter thoroughly and passed on your concerns to the relevant parties within the BankI want you to also know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On April 23, 2009, you agreed to a sixty-six (66) month installment loan of $*** with payments of $317.13 due on the twenty-third (23rd) of each month beginning on May 23, The original maturity date of your installment loan was October 23, On July 7, 2011, you agreed to a two (2) month *** extension for your June and July paymentsThis extended your maturity date to December 23, While a *** extension removes the requirement to send payments for the months covered by the extension, by placing them at the end of the loan, it does not stop interest from accruingAs a result, the principal balance remains slightly higher and results in a larger amount required for the final paymentI have enclosed a copy of your payment history for your review. Additionally, during the life of your loan, force-placed vehicle insurance was added to the principal balance on your installment loan because you did not provide proof of full-coverage vehicle insurance as required by your contract. On September 4, 2009, force-placed insurance of $*** was added to your principal balanceThe policy covered May 11, 2009, through May 11, On October 20, 2009, because you provided proof of insurance for part of the coverage period, a rebate of $*** was applied to your installment loanThis left a premium of $*** remaining on your principal balanceOn February 4, 2010, force-placed insurance of $*** was added to your principal balanceThe policy covered December 1, 2009, through December 1, On June 9, 2010, because you provided proof of insurance for part of the coverage period, a rebate of $*** was applied to your installment loanThis left a premium of $*** remaining on your principal balanceBecause of your increased principal balance, additional interest accrued on your installment loan, which also contributed to a larger amount required for final payment. On November 28, 2014, we sent the notice you mentioned in your complaint informing you that a final payment of $*** was due on December 23, On January 23, 2015, we received and posted your payment of $***. We have not received any payments from you since that dateIt is also important to note that Fifth Third Bank posts payments on the day they are received, and does not hold payments. Your installment loan matured on December 23, 2014, and is more than thirty (30) days past dueAs of February 3, 2014, the payoff for your installment loan is $***This amount includes principal of $***, interest of Fifth Third Bank, Member ***Equal Housing LenderFifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp. $***, and late charges of $***Interest accrues by $*** daily after this dateUntil your installment loan is paid in full, we are unable to release the lien on your vehicleI am sorry for any frustration this may cause you. In order to make arrangements to pay off your installment loan, please contact our collection department at ***
***Any agent will be happy to assist youPlease be aware that continued *** may result in additional fees, further negative reporting to the credit bureaus, repossession of your vehicle, and referring your installment loan to a collection agency or attorney to initiate legal action against you. It was certainly not our intention to cause you any hardship, and we appreciate your patience while we researched this matter for youYou are a valued customer, and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please contact me directly at *** *** ** *** *** ** *** *** Sincerely, *** *** Senior Consumer Resolution Specialist Office of the President