Fifth Third Bank

[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,
*** ***

*** *** *** ** ***
*** ** *** *** ***
*** *** ***
*** ** *** Date: March 20, 2015Account: ***Re: Debit Card DisputeDear *** ***:We received a copy of the complaint filed with the RevDex.com regarding a disputed purchase that posted to your Fifth Third Bank debit cardWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you.On November 20, 2014, we received your dispute for a purchase of $from *** via *** that posted to your debit card ending in *** on October 30, On February 17, 2015, we posted a provisional credit of $to the related checking account while we investigated your dispute.During our investigation, we received documentation from *** showing that the purchase was validPlease find enclosed all the documentation that was provided by the merchant, including a copy of their online return policyAccording to the merchant, the merchandise has not yet been returnedDue to this reason, we denied your dispute and reversed the provisional credit of $from your checking account on March 9, 2015.It was certainly not our intention to cause you any hardship, and we sympathize with the difficulties you have experiencedHowever, we are unable to re-open your dispute at this timeIf you would like to pursue this matter further, please contact ShoePie directly.*** ***, thank you for 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 call me directly at ###-###-####, or toll free at ###-###-####.Sincerely, *** ***Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosures: Merchant Documents

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
I never received statements from the bank
I requested that the CC be closed as by customer request -- I was not told there was a balance, I received a phone call after it was months late and fees were accessed
I have been charged almost $*** this year after the account was requested to be closed -- the majority three months I thought the account was closed.
Payments were made every month to cover the insurance costs -- most credit cards have a month policy if paid in full no finance/fee charge -- doesn't yours? Transferring should be the same as pulling a credit that has days to be paid
*** ***

Date: May 1, Account: *** Re: Revdex.com Complaint ID # *** Dear *** *** ***: We received a copy of your additional complaint filed with the Revdex.com, regarding your checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOur customer's privacy is of the utmost importance to Fifth Third Bank and for this reason; I am not able to discuss specific account information with you unless you are a signer on the accountOn behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter has caused youIn your rebuttal to the Revdex.com, many of your questions have to do with an account in which you are not a signerUnfortunately, I am only able to discuss your specific accounts with youThat being said, I have reviewed your checking and savings account statement history and verified that every transaction made as an online transfer to another account, posted to that other accountI did not find any discrepancies with any of the online transfersI understand that this is extremely frustrating for you and I am very sorry that I cannot give you any additional information about those accountsI have attempted to contact you several times to discuss your complaint, but as of today, I haven't been able to connect with youIf you have any questions or would like to review any of the statement history on your accounts, please contact me at the number below and I would be happy to help*** ***, we appreciate your patience while waiting for a response, and we sympathize with the difficulties you have encountered regarding your accountYou are a valued customer and I appreciate this opportunity to address your concernsIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, *** *** Consumer Resolution Specialist Office of the President

September
25,
***
** ***
***
*** ***
***
*** ** ***
Re: FlexLine XXXXXXX***
Dear Ms***,
We
received a copy of your complaint filed with the Revdex.com
regarding your FlexLine with
Fifth Third BankWe appreciate the time you have
taken to document your thoughts and concerns regarding this matterOn behalf
of the Bank, we would like to offer our sincere apologies for any inconvenience
this matter may have caused youPlease be assured that we have contacted the
relevant parties to express your dissatisfaction with the service you received
and passed on your concerns
Your
FlexLine is considered past due for payment if we do not receive the total
monthly payment of $*** by the *** *** of each monthThe final
calendar day of the *** *** day grace period is not considered the due date
for the payment obligationsThe grace period indicates when a late charge will
actually be assessed to the FlexLine for a past due paymentShould your FlexLine
become past due, your account may be subject to late charges and our Collection
Department will attempt to notify you via the telephone during that timeIf
your total monthly payment is more than *** *** calendar days late, you will
be charged $*** or *% of the payment amount, whichever is greater
On
July 29, 2014, your monthly FlexLine statement was issued and mailed to the
address listed on the accountI have enclosed a copy of the statement for your
reviewOn August 25, 2014, your FlexLine was due a monthly payment of $***
The statement you received incorrectly stated that if the monthly payment of
$*** was paid after September 2, 2014, a $*** late fee would be charged to
your FlexLine account
We
regret the frustration you have been caused as a result of this situation
Please be assured that on August 30, 2014, we waived the $*** late fee that
was charged to your FlexLine and no negative reporting resulted due to this
paymentAs of today, your FlexLine is current with your next payment of
$*** due on September 25,
Ms
***, we strive to provide professional and accurate information to our
customers, and we sympathize with the difficulties you encountered regarding
your accountYou are a valued customer and if I can be of any further
assistance, please contact me at *** ***, or toll free at ***
***
Sincerely,
***
***
Consumer
Resolution Specialist
Office
of the President
Pc: Revdex.com

January 30, 2015 *** ** *** *** *** *** *** ** *** Re: Mortgage Loan *** Dear***.***: We received a copy of your complaint filed with the Revdex.com concerning the collection calls you received for your Fifth Third Bank
mortgage loanWe appreciate the time you have taken to express your concerns regarding this matter. The due date for payments to be posted to your account is the first (1st) of every monthFifth Third Bank does not offer the ability to change the due date on mortgage loansThe telephone calls you received are made automatically when an account becomes past dueIf a payment does not post by the due date it is considered delinquent and is subject to collection activityThe Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8:AM until 9:PM, including holidaysSeveral calls may be placed each day in an effort to obtain a payment or to arrange suitable payment arrangementsIn order to avoid these calls, please ensure your payment is posted by the due dateIf you would like to request a *** *** *** be placed to stop collection calls, please send a signed written request to the following address: Fifth Third Bank Office of the President *** *** ***
*** *** ***
*** *** ***
*** ** *** Alternatively, this signed documentation can be faxed to my attention at *** ***By placing a *** *** *** on the account you will not receive telephone calls from Fifth Third Bank concerning your mortgage loan ending in***Please note that this will not stop other collection activity on the account should it become delinquentThis activity may include late charges, reports to the credit bureaus should the account become greater than thirty (30) days delinquent, or foreclosure. You may also want to consider enrolling in Auto BillPayer as a convenient alternative for making your monthly paymentAuto BillPayer will automatically transfer your monthly payment from your checking account to your mortgage loan at no additional chargeAuto BillPayer makes your total mortgage loan payment on the due date or any date within the grace period, thereby, eliminating the need to mail your payments or bring them to a branch location as well as preventing the added cost of a late chargeIf you are interested in enrolling in Auto BillPayer, please contact Auto BillPayer at *** ***If you Fifth Third Bank, Member***Equal Housing LenderFifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp utilize Auto BillPayer and a payment date is setup every month during the grace period, our Collection Department will not contact you during the grace period. I understand your frustration when this situation occurred and we appreciate the opportunity to respond to your concernsIf I could be of further assistance to you, please contact me at *** *** or toll-free at *** ***. Sincerely, *** *** Consumer Resolution Support Office of the President Pc: Revdex.com Fifth Third Bank, Member***Equal Housing LenderFifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Thank you,*** ***

November 6,
*** * ***
*** *** ** *** ** ***
RE: Checking
Account***
Dear Ms***,
We received the complaint you filed with the RevDex.com regarding the monthly service charges that were assessed to your
checking accountWe appreciate the
time you have taken to document your
thoughts and concerns regarding this matter
Your comments expressing less than quality
customer service are very concerningWe strive to provide accurate and
professional service to our customers and I regret if this is not the level of
service you receivedPlease be assured that I have contacted the relevant
parties and expressed your dissatisfaction regarding the service you received
and passed along your concerns
On June 28, 2014, you opened an Enhanced
Checking account at our *** *** Financial CenterA signature card was
signed by you and Mr*** *** at that timeOn June 30, 2014, you funded
this account with a $*** depositI apologize if you were not aware that this
account was openOur Enhanced Checking account has a $*** monthly service
charge that is automatically waived if you achieve a combined balance of
$*** or more in your depository and investment accounts with the same
ownership
In order to close an account, you must bring the
account to a *** balance on the date you request the account to be closedI
was not able to locate that prior to October 27, 2014, that you had brought the
account to a *** balanceThe monthly service charge was assessed to your
account in August, September, and October 2014, as you did not meet the balance
requirement to have the monthly service charge automatically waived
On October 27, 2014, you visited our Financial
Center and the *** *** monthly service charges you were assessed were waived
At that time, you withdrew your initial $*** deposit and your account was
closed
We sincerely hope you reconsider closing your
accountIf I can be of any further assistance, please contact me at ***
***
Sincerely,
*** ** ***
Consumer Support
Specialist Office of the President
Pc: RevDex.com

November 3,
*** ** *** ***
*** *** ***
*** ** ***
Re:***
Dear Mr. *** ***
We
received a copy of the additional complaint you filed with the RevDex.com, regarding your debit card accountWe appreciate the time you have
taken to document your thoughts and concerns regarding this matter
Per our conversation on October 23, 2014, your debit card
ending in *** was inadvertently
blocked as part of the card compromise issue involving *** ***After
receiving your message regarding this issue, I had the block immediately
removed from your debit cardIn addition, I verified that the debit card was
now active and available to use for transactions and internet bankingPlease
accept my sincere apologies for any inconvenience this situation may have
caused you
Mr*** ***,
please be assured that it was not our intention to cause you any hardship and
frustrationYou 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 *** *** or toll free at *** ***
Sincerely,
*** ***
Consumer Resolution Specialist Office of the President
Pc: Revdex.com

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.
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. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]I feel that Jennifer did everything she could once involved but underwriter process was horrible and needs trainingThanks for loan but closer didn't pay my closing costsI increased loan with builder to pay for it I was told 5th third was going to match other bank at no costs extra then I was chargedI even told *** that good faith was wrong*** told me she fixed it and didn't Thanks for loan finally but I would not do it over everIt was crazy and messed up compared to my last house loan.
Regards,
*** ***

October 8,
*** ** ***
*** *** ***
*** ** ***
Re:***
Dear Ms***,
We received a copy of your complaint filed with the
Revdex.com, regarding a payment processed for your closed mortgage
loan accountWe appreciate the time you
have taken to document your thoughts
and concerns regarding this matter
Your
comments expressing less than quality service are very concerningOn behalf of
the Bank, please accept my sincere apologies for any inconvenience this matter
may have caused youWe strive to provide professional and accurate service to
our customers and we regret if that has not been your experience
On July 30, 2014, a written payoff was obtained for your
mortgage loan ending in *** with a
good through date of August 15, The payoff statement included the
following information:
$*** Principal balance
$*** Interest from July 1,
to August 15,
$*** Fees required with
payoff (Including recording fee)
($***) Less
escrow/impound
$*** Payoff funds required
If the amount noted above was not posted to your
mortgage loan by August 15, 2014, additional interest of $*** would need to
be added to the payoff for each additional dayIt should be noted that the
balance in your escrow account of $*** was applied toward the payoff amount
due for your accountAs a result, those funds would not be refunded to you
when the account was closedA copy of the payoff statement is enclosed for
your reference
Due
to the payoff requested for your mortgage loan, a block was placed to prevent
the automatic payment withdrawal from your checking account via Auto BillPayer
scheduled to occur on August 5, This block was effective on the account
through August 15,
Unfortunately, the block on your mortgage loan expired
on the date noted aboveTherefore, a payment for $***was processed via
Auto BillPayer and posted to your account on August 18, The following
day, a payoff in the amount of $*** posted to your mortgage loan and the
account was closed at that time
Due to the additional payment received prior to the payoff, your
remaining escrow account balance was $***This amount was not debited or
included with the payoff received for your mortgage loanOn August 29, 2014, a
check was issued to refund the escrow account balance and was mailed to the
address on fileOur records indicate this refund check was deposited to your
checking account ending in *** on
September 8, As a result, no additional refund will be issued
Ms***, please be assured that it was not our
intention to cause you any hardship or frustrationYou 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 a* *** ***
** *** *** ** *** ***
Sincerely,
*** ***
Consumer Resolution Specialist Office of the
President
Pc: Revdex.com

February 12, 2015 *** *** *** *** *** *** *** ** *** Re: Mortgage Loan Application Dear *** ***: We received a copy of your complaint filed with the Revdex.com concerning your recent mortgage loan applicationWe appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the level of service you received during this processPlease be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customersAfter receiving your letter, I forwarded your concerns to the relevant parties in our Mortgage Loan Origination Department who thoroughly researched this matterI 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. To maintain the security of your account, I am sending this letter to the address we currently have on record for youI noticed that the address you use in your complaint is differentAccording to our security protocols, I cannot update your mailing address based upon your correspondenceI encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updatedThe Customer Service Department can be reached at *** ***I can be reached at the telephone number listed below. According to our records on October 14, 2014, we received your application for a*** (**) year mortgage loan of $***The *** *** *** (***) was generated and sent to you within three (3) business days of applicationThe *** gives you an estimate of your settlement charges and loan termsThis estimate included the cost of an investment property appraisalFinal terms of the mortgage loan are contingent upon our confirmation of the factors and conditions you submitted with your applicationThe *** was re-disclosed because the appraisal did not confirm your original estimate of the value of the propertyThe loan to value ratio of the loan went from**% to**%This change caused a change in the loan pricingEnclosed is a copy of that appraisal for your records. It was certainly not our intention to cause you any inconvenience or frustration during this process. Unfortunately, we are unable to refund you for the appraisal or any other non-refundable and agreed upon fees you paid during the application processIf you wish to inquire or apply for a mortgage loan with us again in the future, you have several options available including on the internet at 53.com, visiting your local Fifth Third Bank financial center, or by calling our Direct Lending Group at *** ***. Fifth Third Bank, Member FDICEqual Housing LenderFifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Ms***, we hope this information addresses your concerns and we sincerely hope that you will reconsider Fifth Third Bank for your financial needs in the futureIf I could be of further assistance to you, please call me at *** *** or toll free at *** *** Sincerely, *** *** Consumer Resolution Specialist Office of the President

Response to Ms*** is attached.February 19, 2015 *** *** *** *** *** *** *** *** *** ** *** RE: Checking Account *** Dear *** ***: Thank you for the letter you sent to the Revdex.com and the *** *** ***
*** regarding your Fifth Third Bank Checking account ending in***We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI 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. A savings account has certain restrictions regarding withdrawals or transfers of funds from the accountRegarding these restrictions, you are limited to six (6) of the following transactions from your savings account each month: ? Preauthorized or automatic withdrawals or transfers ? Point-of-sale transactions using a debit card ? Checks or drafts payable to third parties Please note that the Bank will send you a notice after the first and second month of excessive withdrawal or transfersThis information was disclosed to you in the Bank’s Rules and Regulations which was provided to you when you opened your accountI have provided a copy of Fifth Third Bank’s Rule and Regulations for your reviewFor information regarding the Bank’s transaction policies for savings account, please refer to page twenty (20). On August 29, 2014, we sent you the first notice regarding restricted account transactionsA second notice was sent to you on September 30, On November 28, 2014, we sent you a third notice regarding restricted account transactions on your former Relationship Savings accountThis was the third notice sent to you within the last twelve (12) monthsThis third notice informed you that the Bank would be changing your savings account to a checking accountThis notice also informed you that the Checking account would have a monthly service fee of $*** or $*** if the account has direct deposits totaling $*** or more per monthly statement cycleI have enclosed each of these notices for your reviewThe monthly service charge will be assessed with each monthly statement cycle, and will appear on your bank account statementSince you have chosen to receive paperless statements for your accounts, you must sign on to www.53.com to view your monthly account statements. The beginning balance in your checking account ending in *** on January 28, 2015, was $***On January 28, 2015, two (2) items were deposited to your account totaling $***Also on January 28, 2015, you initiated a transfer of $*** from your checking account ending in *** to your checking account ending in ***Also on January 28, 2015, *** took a payment of $*** from your checking account ending in ***The Bank also assessed a monthly maintenance charge of $*** to your account on January 28, The ending balance in your checking on January 28, 2015, was negative ($***)Since the account did not have enough funds to pay the *** transaction of $***, the account was assessed one (1) overdraft fee of $***, which posted to your account the following dayYou were not charged an overdraft fee for the monthly charge that was assessed to your accountThe Bank does not charge an overdraft if the overdraft resulted from a monthly service chargeI have attached the Overdraft Notice that was sent to you on January 29, 2015, for your review. Please note that we have reversed fees totaling $*** in the past twelve (12) months on your checking account ending in *** as a courtesy to youHowever, in the interest of customer service and to bring this matter to a positive resolution for you, we have reversed the $*** overdraft fee. Ms***, thank you for your patience while waiting for a responseWe truly value your business, and we look forward to continuing our banking relationship with youIf I could be of further assistance to you, please contact me directly at ***
*** ** *** *** ** *** *** Sincerely, *** *** Consumer Resolution Specialist Office of the President Pc: Revdex.com Pc: Consumer Financial Protection Bureau

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.We gave them the insurance information at time of buying the carThe car dealership has sent them as well The bank saids they have not proof however maybe if they got the name right then they could find the proof.We have fax them the insurance policy different time to which they said thats not proof .they are rude as well if the car dealership cant get them to understand the car has insurance and we can as well as the insurance company can then it must be they want the over *** dollar month payment for some other reason..We are also month ahead on the***.payment that was at time of buying the car .[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
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. 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.]
Regards,
*** ***
I did not see an apology just an explaination on why you do things and when..........if you record the conversations as you say you do......you should have reviewed your own tapes and you would have heard me over and over telling your agent to just take my payment.....but NO...I looked it up and you call yourself the CURIOUS BANK! Nothing could be truer said, but curious is all you are entitled to BE...If I don't want to explain my circumstances....that's my business and you should let it go and just take the paymentWorst bank experience EVER!!!!!

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.]
Regards,
*** ***
Thank you for your prompt response. I believe that we have not come to any resolution and the necessary information, that I have given,it should have been sufficient to resolve this matter a lot soonerA simple letter sent to the DMV in *** to release the lien on the vehicle would have been a great help and the fraudulent investigation is a plusI will continue to seek for clarification and hopefully this investigation will help

[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,
*** ***
Thank you very much for your help in this matter

Please see attached response. February 17, 2015 *** *** *** *** *** ** *** Re: Mortgage account #*** Dear *** ***: We received a copy of the complaint you filed with the Revdex.com and the Consumer
Financial Protection Bureau regarding your account with the BankWe appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, I apologize for the difficulties you have experienced with your accountIt was certainly not our intention to cause you any hardship or frustrationI have confirmed that the Bank received a bill to pay insurance, totaling $*** on June 25, 2014, for the property address listed aboveThe Bank pays insurance bills based on the property address listed on themAs such, the funds were debited from your escrow accountIt should also be noted that it would have been up to the insurance company to update the property address on their bill prior to sending them out to the Bank for payment, which is why you were referred back to them directly to discuss a refund of the $***Additionally, because we did not receive a refund from the insurance company or payment from you for the $*** escrow payment, a shortage was created in your escrow account when it was reanalyzed in January 2015. Please be advised that we have since received a check for your account for $***, which was applied to your escrow account on February 3, This allowed us to reanalyze the escrow on your account reducing your monthly escrow payment from the $*** on the January analysis to $***Beginning March 1, 2015, the new principal and interest payment for your account will be $***, unless the full amount of the shortage, totaling $*** is paid in fullFor your reference, a copy of the corrected Annual Escrow Account Disclosure Statement is enclosed. 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, *** *** Regulatory Support Specialist Office of the President Pc: Revdex.com Consumer Financial Protection Bureau

October 17,
*** ** ***
*** *** *** *** *** ** ***
Re: XXXXXX***
Dear Ms***,
We received a copy of the complaint you
submitted to the Revdex.com, regarding the mobile deposit
restriction placed on your checking accountWe appreciate the
time you have
taken to document your thoughts and concerns regarding this matter
Your comments expressing less than quality
service are very concerningOn behalf of the Bank, please accept my sincere
apologies for any inconvenience this matter may have caused you
Mobile deposit access may be restricted for a
period of thirty (30) days if the following situations occur on a customer’s
account:
? Accounts that have three (3) or more overdraft
occurrences in a calendar month
? Customers that have two (2) or more returned deposits in
a thirty (30) day rolling period
Unfortunately, your
checking account was overdrawn *** *** times last month on September 11,
2014, Sept 15, 2014, and September 16, The account was brought back to a
positive state on September 17, 2014, and the mobile deposit restriction was
imposed at that timeWe strive to provide professional service to all of our
customers and we regret any difficulty you may have experienced during this
situation
It should be noted that as of October 17, 2014,
the mobile deposit restriction has been removedAs a result, your checking
account is now able to accept and process mobile deposit transactions
Ms***, please be assured that it was not
our intention to cause you any hardship and frustrationWe appreciate your
feedback as it assists us in identifying opportunities to improve our systems
and the level of service we provide to our customersYou 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 *** ***
or toll free at *** ***
Sincerely,
***
***
Consumer Resolution Specialist Office of the President
Pc: Revdex.com

October
30,
***
***
***
*** ***
***
** ***
Re:
Account #***
Dear
Ms***,
We
received a copy of the complaint you filed with the Revdex.com dated
October 22, 2014, concerning the late charges
being assessed to your checking
account due to a counterfeit check you deposited. 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 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
On October 14, 2014, the beginning
balance in your personal checking account ending in *** was positive $***.
*** *** withdrawals and debits totaling $*** posted to your
account, creating an ending balance of negative ($***). Since your checking account balance was not
sufficient to cover the *** *** transactions that posted, the Bank charged
your account *** *** overdraft fee of $*** on the next business day. I have enclosed a copy of the Overdraft
Notice that was mailed to you on October 15, 2014. The account returned to a positive balance on
October 22, 2014, when a deposit was received on the account
Although
we work diligently to prevent fraud perpetrated against the Bank and all of its
depositors every day, Fifth Third must also respect certain
transactions initiated and requested by our customers. While the financial center
representative may have told you that a deposit of $*** would be sufficient
to cover your negative balance, they were unable to know, at that time, of any
other pending debits that would be withdrawn from your account. It should also be noted that we do not
automatically re-deposit returned deposit items on your behalf
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 protection
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
We
empathize with the difficulties you have encountered with your account. A total of $*** in overdraft fees has been
reversed on your account within the last month.
In the interest of customer service, we have reversed an additional
overdraft fee of $***on October 30, 2014.
However, we are not willing to reverse any additional overdraft fees at
this time
Please
be assured that it is not our intention to cause you any undue hardship and we
are very sorry for the loss you suffered. However, Fifth Third is
not obligated or in the position to make every loss resulting from such deposits
whole.
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