Fifth Third Bank

[redacted] Date: September 9, 2015 Account: [redacted] Regarding Your Platinum Credit Card Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Platinum...

Credit Card. 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 concerns are 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 mailing address we currently have on record for you. I noticed that the address you use in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your complaint. I encourage you to call customer service to make sure your address is properly updated. They can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, and Saturday 8:30 a.m. to 5 p.m., ET. We completed a review of the Platinum Credit Card account ending in 4064, which was opened on June 24, 2014. You made purchases on the account on July 11, 2014, and July 14, 2014. Please be advised, the 0% introductory APR for the Platinum Credit Card was available for the first twelve (12) billing cycles after the account is opened. The account was assessed interest charges on July 3, 2015, in the amount of $56.50, and on August 4, 2015, in the amount of $55.10. We completed a review of your telephone calls with the Bank, and we regret the misinformation you received regarding the promotional period. Because of this, on August 5, 2015, we reversed the interest that was assessed on July 3, 2015, in the amount of $56.50, and this amount was credited back to the account. In addition, on September 4, 2015, we reversed the interest that was assessed on August 4, 2015, in the amount of $55.10, and this amount was also credited back to the account. I am sorry for any concern it may have caused you when you did not receive a phone call regarding the interest being credited back to the account. We also reviewed our records to determine the closing time for the [redacted] Square Banking Center on September 1, 2015. Our review indicated that the banking center locked their doors at 5:00 p.m., as scheduled. Therefore, we are unable to accommodate your request to waive the interest assessed for the month of September. I am sorry for any frustration this may cause you. Please note if you wish to mail the payment, you may do so at any time to the address listed on the monthly statement: Fifth Third Bank PO Box 740789 Cincinnati OH 45274 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 Pc: Revdex.com

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.   
The reason for my complaint still stands.  I applied for a home loan through 53rd Bank.  I started the process in August and they notified me in November I wasn't going to qualify for the loan.   It's apparent they didn't care about their customer service.  I spent months on the phone getting the run around on this loan.  I spent $450 on an appraisal.  The inspection for the house was over $500.  I had a sewer inspection, a home inspection, and a lead inspection.   I even had money earnest money tied up in this house.  I had to extend the contract quite a few times.  All because 53rd Bank couldn't get their act together.  I had to wait it out.  Otherwise, I would loose all the money.  So no I'm not satisfied.  The only way I will drop the complaint with the Revdex.com is if 53rd reimburses me the $1000.  I believe that is only fair.   
Regards,
[redacted]

November
7, 2014
[redacted]
[redacted]
*
[redacted]
[redacted]
[redacted]
Re:
Account #[redacted]
 
Dear
[redacted],
 
We
received a copy of the complaint you filed with the Revdex.com dated
October 30, 2014, concerning the overdraft...

charges assessed to your checking
account.  We appreciate the time you have
taken to express your thoughts and concerns regarding this matter.    
 
On
October 27, 2014, the beginning balance in your personal checking account
ending in [redacted] was positive
$[redacted].  You had three (3) debits
totaling $[redacted]withdrawn from your account on that date.  Your ending balance was negative
($[redacted]).  Due to insufficient funds, we
assessed two (2) overdraft chares totaling $[redacted] that posted the following
day.  Your personal account returned to a
positive balance on October 30, 2014 when you made a deposit.  Please note that the Bank’s policy regarding
overdraft charges is outlined in the Rules and Regulations booklet that you
received when you opened your account. 
 
For your convenience, I have also
enclosed a reference guide titled Fifth
Third Overdraft Solutions.  This
guide provides additional information related to the overdraft charges that we
assessed to your personal account.  We
also offer ways to track your balance and manage accounts to help avoid
overdraft charges on your accounts in the future.   
 
It is important to ensure
that you have sufficient funds in your account to cover the transactions you
authorized.  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 www.53.com, and by
calling our Customer Service Department at [redacted].
 
On behalf of the Bank,
please accept my sincere apology for any inconvenience or concern that this
matter may have caused you.  In the
interest of customer service, we have reversed $[redacted]in overdraft charges
assessed to your checking account.   
 
I
can assure you that it was not our intention to cause you any frustration or
hardship.  You are a valued customer and
we appreciate your business.  If I could
be of further assistance to you, please call me at [redacted]
[redacted]
 
Sincerely,
 
[redacted]
[redacted]
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 [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]
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Please find attached a copy of the letter being sent to [redacted]. Thank you. [redacted]...

[redacted] Date: July 7, 2017 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint filed on your behalf by Ryan Jaynes with the Revdex.com. We are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. The Bank is continually working to improve the collection of checks and the availability of funds for withdrawal. The Federal Government has established regulations regarding the handling of deposits. A “Business Day” is defined as Monday through Friday, excluding Federal Holidays or as otherwise posted in the Banking Center. For deposits made on Saturday, Sunday, or a Federal Holiday, the day of your deposit is the next Business Day. Funds received after certain cut-off times for certain channels and products may be credited as of the next Business Day. For your convenience, I have enclosed a copy of our Rules and Regulations booklet, which you would have received at the time that your account was opened. Page two (2) outlines our deposit terms, and pages nine (9) through twelve (12) outline our funds availability policy. Typically, a combined $100.00 from all deposited checks is available immediately on the day of your deposit. The remaining funds will be made available on the next business day. The availability of funds does not guarantee that the check has cleared the bank that it is drawn on, or that the check is authentic. All items for deposit, although provisionally credited, are subject to proof and collection. Until the proceeds are actually received by the Bank, or until such items become final under applicable law, the items can be returned and charged back to your account. You made a mobile deposit of $2,450.71 on Friday, June 16, 2017, and $100.00 of the deposit was available immediately. The deposited item was removed from the checking account on June 21, 2017, and a $15.00 Return Deposited Item Fee was assessed to the account. I confirmed that no overdraft fees were assessed to the account as a result of the returned deposit. As a courtesy to you, the $15.00 fee was reversed and credited back to the account on June 22, 2017. We certainly sympathize with the fact that you believed the item to be legitimate. However, the depositor is ultimately responsible for the items deposited into their account. It is certainly not our intention to cause you any hardship or frustration. Based upon our review, we find that the Bank has complied with all applicable laws and regulations; therefore, we will not be offering you any additional compensation. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Consumer Financial Protection Bureau Enclosures: Rules and Regulations booklet

[redacted] Date: March 13, 2017 Account: [redacted] Regarding Your [redacted] Prepaid Debit Card Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your [redacted] Prepaid...

Debit Card. 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 the level of service you received when you contacted our Customer Service Department regarding this matter. We strive to provide professional and accurate service to our customer and we regret if this has not been your experience. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Your [redacted] card was closed per your request on December 21, 2015. After the account was closed, [redacted] processed a $50.00 refund for returned merchandise on February 14, 2017. Since the [redacted] card was the card used for the original purchase, [redacted] issued the refund to the card. Since the card was closed when the refund was issued, the Bank had to issue you a check for the merchant refund. After a refund from a merchant to a closed [redacted] card is received and processed by the Bank, the refund check to the customer is typically sent within one (1) to two (2) weeks from the date that the refund for the returned merchandise is received and processed by the Bank. Please accept my sincere apologies that, in your case, this process took longer than usual. Your refund check of $50.00 was sent to the above address on March 8, 2017. If you do not receive the check that we sent within two (2) weeks from March 8, 2017, please contact me directly at the telephone number contained in this letter so I can ensure that a new check is sent. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President

[redacted] Date: April 15, 2016 Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Checking and Savings...

Accounts Dear [redacted]: We received a copy of your complaint filed with the Revdex.com regarding your checking and savings accounts. 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. On February 12, 2016, you made a $600.00 mobile deposit to your checking account ending in [redacted]. The deposit was returned as unpaid on February 18, 2016. Our Bank Protection Department reviewed your account and noticed that you also made a $200.00 deposit at an Automated Teller Machine (ATM) on February 10, 2016. This deposit was returned as unpaid on February 12, 2016. Due to the fact your accounts had two (2) returned deposits within the first thirty (30) days when accounts were opened, our Bank Protection Department recommended your accounts be closed. Enclosed is a copy of the account closure letter that was sent to you. Per our Bank Protection Department, checking accounts ending in [redacted] and [redacted] as well as your savings accounts ending in [redacted] and [redacted] were closed. I confirmed with Financial Center Manager Brian B. that on February 25, 2016 he opened new Express Banking accounts and a savings account for you. However, prior to opening these accounts the proper authorization from our Bank Protection Department was not received. As a result, Bank Protection Department closed your Express Banking accounts on March 10, 2016. Due to the miscommunication, there was a series of attempts made to re-open and close your accounts. Unfortunately, proper authorization was not received until March 15, 2016 in which your accounts were reopened by our Bank Protection Department. [redacted], we apologize for the difficulties you experienced while opening your new accounts with the Bank. We strive to provide accurate and exceptional service, and I regret that was not your experience. Please be assured customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations and customer service. Please note due to the activity on your prior accounts, an exception was made to continue your relationship with the Bank by allowing you to open Express Banking accounts. You were informed of this decision by Mr. B. and were provided new account material explaining the features and benefits of the Express Banking accounts. In addition, you accepted the terms and conditions for your new accounts by signing a signature card. At this time we are unable to convert or reopen your closed Essential Checking accounts. I apologize for the inconvenience this may cause you. You also requested that we provide you with the $200.00 credit that was promised to you at the time you opened your checking accounts on January 25, 2016. I confirmed that the Bank had a promotion at that time for new customers who opened checking accounts with the Bank. New customers who opened checking accounts were eligible to receive a $200.00 bonus if the accounts met the following criteria: ** Account must be opened with a $50.00 deposit ** Account must receive a direct deposit of any amount within ninety (90) days of account opening ** Must make three (3) online bill payments via Fifth Third Bank’s Online Bill Payment system within ninety (90) days of account opening. I verified that you opened both of your Essential Checking accounts with a $50.00 deposit. You also received a direct deposit in each of the Essential Checking accounts. Neither checking account had any online bill payments processed from our Online Bill Pay system. However, your accounts were closed before the ninety (90) day timeframe ended. Express Banking accounts do not have access to our Online Bill Pay system; therefore, you have not had an opportunity to fulfill the online bill payment portion of the promotion requirements. However, in the interest of customer service, enclosed is a check for the $200.00 bonus. Please be advised this bonus may only be applied to one (1) checking account. 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: Account Closure Letter, Returned Deposit Item Images (2), and refund check

I have attached the response for the complaint filed by [redacted].We received a copy of your complaint, filed with the Revdex.com, regardingyour checking account ending in [redacted]. We appreciate the time you have taken toexpress your concerns regarding this matter....

On behalf of the Bank, we would like to offer our sincere apologies for anyinconvenience this matter may have caused you. Please be assured that it wasnot our intention to cause you any frustration or hardship. On May 12, 2014, you opened your Basic Checking account at the [redacted] FinancialCenter. At that time, you received information that explains the services andfees associated with the account, such as overdraft fees. If you haveinsufficient funds to cover items that post to your checking account, theposted items may be subject to overdraft fees. In response to your concern regarding account activity, please understand that insome instances we receive information on credits (+) to your account and debits(-) you made from your account from third parties. These third parties mayinclude other banks who received a check you wrote, merchants where you usedyour debit card, or a third party that owns a non-Fifth Third ATM (AutomatedTeller Machine). When an item posts to your account may vary based oncircumstances beyond our control, such as changes or disruptions in networkprocessing when we receive the debit from a merchant or other third party, orprocessing delays by the third party. Again, we do not control the timing bywhich they provide this information to us. However, credits (+) and debits (-)are generally applied to your account on the first business day they are presentedto the Bank from a third party. Credits (+) are subject to Funds Availabilitylimitations.I have enclosed a copy of our Rules and Regulations that you received at theaccount opening. Pages 11 and 12 provide additional information regarding fundsavailability and the overdraft calculation order.The account transactions listed on www.53.com , arein numerical order of largest to smallest. This is to make accountreconciliation straightforward for customers. Customers also have the abilityto change the manner in which account transactions are displayed on www.53.com by clicking on the Date, Debit (-),Credit (+), Check, Description, or Balance tabs above the account transactions.The transaction order listed on www.53.com isnot indicative of the order in which the account transactions were processed. Iapologize if you were not aware of this in advance.   On November 10, 2014, the balance in your checking account was $125.22. Six (6)transactions totaling $178.35 posted to the account that day, creating anending balance of negative ($53.13). Due to non sufficient funds three (3)transactions totaling $75.00 were returned unpaid and a total of $111.00 in overdraftfees were assessed. The ending balance was negative ($89.13).    In the interest of customer service, our Consumer Contact Center waived $111.00 inoverdraft fees and credited your checking account on November 17, 2014. In yourcomplaint you requested a letter stating that the overdraft fees were due to aBank error.  We have confirmed that theBank followed proper procedures and guidelines concerning the overdraftcalculation order. Therefore, we are not willing to provide you with a letterstating that a Bank error occurred.  To prevent an overdraft situation, you have the ability to review your account atan ATM (Automated Teller Machine), on our website at www.53.com, or by callingour Customer Service Department at ###-###-####. If the account becomesoverdrawn, we also send you an overdraft notice that includes a detailedbreakdown of the day’s transactions.For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions. Thisguide provides additional information related to the overdraft fees that weassessed to your account. We also offer ways to track your balance and manageaccounts to help avoid overdraft fees on your accounts in the future.Ms. [redacted], it was certainly not our intention to cause you any hardship. Wesincerely hope this information will help you understand the Bank’s positiongoing forward and resolve your needs. If I could be of further assistance toyou, please call me at ###-###-#### or toll free at ###-###-####. Sincerely,[redacted]
[redacted] ConsumerResolution Specialist Officeof the President
[redacted]
[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. We have completed our review of your accounts with Fifth Third Bank. Our review determined that you had two checking accounts with the Bank that were charged off and closed in 2013. A copy of your last account statement mailed for each account is enclosed for your records. Please be aware that your checking account ending in [redacted] was sold to [redacted] on June 12, 2014. We no longer service the checking account. Please direct any additional correspondence regarding your account validation request to them since we no longer have this account's contract. They can be reached directly at ###-###-####. Additionally, your checking account ending in 0915 was sold to Allied on April 4, 2013, and we no longer service this account. Please direct any additional correspondence regarding this account validation request to them since we no longer have this account's contract. They can be reached directly at ###-###-####. On March 2, 2015, I contacted [redacted] at the number provided in your complaint. [redacted] works for a company called [redacted]. He calls on accounts for [redacted], which includes your checking account ending in [redacted]. I apologize that this information was not made clear to you during your prior attempts to resolve this issue. If you would like to contact him, his number is ###-###-####, extension 335.   If you would like to contact the credit bureaus directly, their contact information can be found below: • Equifax ###-###-#### • Experian ###-###-#### • TransUnion ###-###-#### • Innovis ###-###-####   We appreciate your patience while we researched this matter and we value your business. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####. 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. I have faxed a copy of bill with reconnect fees and all they keep doing is sending me letters asking for the same document. They not attempting to resolve issue.
Regards,
[redacted]

August 11, 2014
[redacted]
Re: Collection Calls
Dear Ms. [redacted],
We received a copy of the complaint you submitted to the Revdex.com regarding the collection calls you have received for your credit card...

account. Your feedback is very important to us as it allows us to better understand how we can improve our service to you.
On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that we have researched this matter thoroughly, and contacted the relevant parties to express your dissatisfaction with the telephone calls you received.   It was certainly not our intention to cause you any hardship or distress. 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.
When your payment does not post by the due date indicated on your statement, your credit card is considered delinquent and is subject to collection activity. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8:00 AM until 9:00 PM, including holidays. Our Collection Department may make several calls each day in an effort to inform you of the past due payment and make payment arrangements. Please note that our Collection Department does not leave a message for you each time they call. If our dialer system detects an answering machine, the call may be released, and additional attempts to contact you may be made. However, if our Collection Department is unsuccessful in their attempts to contact you, they may leave a message for you. 
On July 18, 2014, your Platinum MasterCard ending in [redacted] was due for a minimum payment of $40.00. When we did not receive your minimum payment by the due date indicated on your statement, a late charge of $35.00 was assessed to your account. Also, because we did not receive your minimum payment by your due date, our Collection Department began making calls to you. We verified that the telephone number you mentioned in your complaint, ###-###-####, is a valid telephone number for our Collection Department that connects you directly to an agent. I am sorry for any misinformation you may have received.
As of August 8, 2014, your account is still past due for the $40.00 payment that was due on July 18, 2014, and a minimum payment of $69.74 is due on August 18, 2014, for a total amount due of $109.74. Please call our Collection Department at ###-###-#### to make arrangements for payment. 
Per your request, a hold has been placed on collection calls until August 16, 2014. If your account is not brought to a current status by that date, the collection calls will resume. However, if you would like our Collection Department to permanently stop all calls to you, you may send a request to cease collection calls to the following address:
[redacted]
Alternatively, you may fax this letter to my attention at ###-###-####. Once we have the letter, we will forward it to our Collection Department to place a permanent hold on all collection calls. Please be aware if this hold is placed on your account, you will not receive any calls in the future should your account become delinquent. However, this will not stop additional collection activity, including late charges, negative credit bureau reporting, and being referred to a collection agency.
Ms. [redacted], thank you for your patience while we researched this matter for you. 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 ###-###-####, or toll free at [redacted] [redacted]
Sincerely,
[redacted]
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 [redacted], and find that this resolution is satisfactory to me.  I thank 5/3 for being reasonable and treating me with respect. I look forward to continue banking with them for years to come,  and really appreciate them overturning the overdraft fee. Thanks to the Revdex.com and 5/3 bank for prompt resolution on this issue! 
Regards,
[redacted]

[redacted] Date:      February 19, 2016 Accounts: [redacted], [redacted] Regarding Your Essential Checking Account and Platinum Credit Card Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com concerning your Essential Checking account and Platinum Credit Card. We apologize for any frustration this may cause you. However, the Bank stands by the previous responses conveyed to you on September 9, 2015, and February 11, 2016. Our position on these matters has not changed. For additional clarification, an ACH request must include the correct routing and account numbers to ensure it is applied to the correct account. Without the correct routing and account numbers, we are unable to determine which account the request belongs to. We are unable to verify student status based off of direct deposits that are received to the account and per Bank policy, we require all students to show a valid student ID to maintain their student banking benefits. You also mentioned a concern for the $11.00 monthly service fee. As previously mentioned, there will be no monthly service charge if you maintain a combined monthly average balance of $1,500.00. For the statement period of January 22, 2016, through February 19, 2016, your average account balance exceeded $1,500.00, therefore, the account was not assessed a monthly service charge. We also reviewed your request to close the Essential Checking account ending in [redacted]. Because the account is not at a zero balance, we are unable to complete the request. If you wish to transfer the funds to an account at another financial institution, you may initiate this external transfer of funds on 53.com. Once the account is at a zero balance, you may contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, and Saturday 8:30 a.m. to 5 p.m., ET. If you are unable to bring the account balance to zero, you may visit your local banking center to close the account. You also mentioned the Goal Setter Savings account ending in 2735 is at a zero balance; however, it should be noted we have not received a request to close this account. If you wish to close the savings account, please contact our Customer Service Department for further assistance. I am sorry for any additional 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. April Q. Office of the President Pc: Revdex.com

March 11, 2015[redacted]Re: Account #xxxxxx[redacted] Dear [redacted]:We received a copy of the complaint you filed through the Revdex.com dated February 26, 2015, concerning the hold placed on your deposit into your checking account. 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.We are continually working to ensure that the funds from your deposits are available in a timely manner, while meeting all Federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately. The remaining funds will be made available on the next business day. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday, or a Federal Holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal Holidays. Deposits received after certain cut­off times may be credited as of the next business day. In some instances, we reserve the right to place an extended hold on a deposit, in which case you will be notified.You opened a Basic Checking account ending in [redacted] on February 20, 2015. You also made a deposit on that same day for $5,117.40. Since we considered the account to be a new account at that time, we placed a hold on your account for $5,117.40 and sent notification the following day on February 21, 2015 to the address on file. I have also enclosed a copy of that related notice for your review. Please note that the hold was released on March 5, 2015 and all of your funds from the deposit were made available to you. I have confirmed that your checking account did not become overdrawn and no fees were assessed during the time frame that the hold was in effect.I can assure you that it was not our intention to cause you any frustration or 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 ###-###-####.Sincerely,[redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

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.  
 It does not mention that the previous late fees that needed to be waved were due to Fifth Third employees improperly filing my payments.  It also does not note that I was told by Fifth Third that I was bringing my loan up to date when I made the two payments.  This has nothing to do with me not having the money to pay the bill and everything with Fifth Third profiting on a complex system of paying a loan that I did not take out with their company.  I have spent many hours on this loan and filled out many papers to try to get them to set up an auto pay.  To date this still does not exist.  I will accept it when Fifth Third finally chooses to process my autopay.  They have had what they say is all the paperwork for over a week now.  
Regards,
[redacted]

[redacted] Date: September 28, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: Thank you for contacting the Bank, regarding your checking account ending in [redacted]....

We appreciate the time you have taken to express your concerns regarding this matter. We are very sorry if our attempts to explain the Overdraft Coverage policy during your telephone calls with our Consumer Contact Center did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter may have caused you. We strive to offer our customers products that are convenient and beneficial while remaining competitive within the industry. Some checking accounts have the Overdraft Coverage option, which allows a customer to complete a one-time debit card transaction or ATM withdrawal even if there are insufficient available funds in the account to cover the full amount of the transaction. Our records indicate that you accepted Overdraft Coverage for ATM transactions and one-time debit card transactions on August 7, 2014. A letter confirming your acceptance of Overdraft Coverage was mailed to you at the address on file at that time. For your records I have included a copy of this letter. It should be noted that a block placed on your debit card does not affect the Overdraft Coverage option you have chosen on your checking account. Therefore, the Overdraft Coverage option does not change if you are issued a new debit card for your checking account. On September 14, 2015, the balance in your checking account was $528.28. Fifteen (15) items totaling $666.20 posted to the account that day, creating an ending balance of negative ($137.92). Due to non sufficient funds ten (10) overdraft fees totaling $370.00 were assessed and posted the following business day. The ending balance was negative ($507.92). An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fees assessed. On September 15, 2015, the balance in your checking account was negative ($137.92). A deposit of $200.00 was credited to your account. However, three (3) items totaling $459.45 posted to the account that day, creating an ending balance of negative ($397.37). Due to non sufficient funds one (1) overdraft fee of $37.00 was assessed. The ending balance was negative ($434.37). An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fee assessed. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. In the interest of customer service, we waived a total of $74.00 in overdraft fees as a courtesy on September 16, 2015. On September 16, 2015, you were also opted out of Overdraft Coverage. Therefore, any debit card purchases and (ATM) withdrawals are declined when there is not enough money in your account, and as a result, will not be charged an overdraft fee for these types of transactions. However, Overdraft Coverage for checks and ACH electronic payments comes standard to your checking account. If there are insufficient funds in your account when these types of transactions are processed, your checks and electronic payments will be returned unpaid, and are still subject to overdraft fees. Electronic payments do not show as pending against the account during the day because they are not preauthorized like debit card transactions. Because checks and electronic payments do not have a preauthorized timestamp, these types of transactions are processed at the end of the business day. To prevent an overdraft situation, you have the ability to review your account at an ATM (Automated Teller Machine), on our website at www.53.com, or by calling our Customer Service Department at ###-###-####. If the account becomes overdrawn, we also send you an overdraft notice that includes a detailed breakdown of the day’s transactions. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions. This guide provides additional information related to the overdraft fees that we assessed to your account. We also offer ways to track your balance and manage accounts to help avoid overdraft fees on your accounts in the future. We sincerely hope this information will help you understand the Bank’s position going forward and resolve your needs. If I could be of further assistance to you, please call me at [redacted], or toll free at ###-###-####, Monday through Friday, 8 **m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President Enclosures: Overdraft Notices and 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.  They made no attempt to give me my money or the check back when I requested it. The bottom line is they held on to my money which is unacceptable & I am in the process of withdrawing all of my money from their bank and closing the account. That is the resolution for me. It was a horrible experience.
 
Regards,
[redacted]

[redacted], On March 30, 2016, the Office of the President responded to [redacted] regarding his dispute case and stated the following: As I stated in our prior response sent on March 3, 2016, the disputes resolution department is currently reviewing your case ([redacted]). After the review process is complete, the disputes department will send you notification of their final decision. If you would like to contact the disputes department directly, you can call them at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., Saturday, 8:30 a.m. to 5 p.m., ET.  If [redacted] has additional questions about his dispute case, please advise him to contact the Disputes Department directly with the above contact information. Thank you,  Jennifer L. C.Fifth Third Bank, Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  My last credit report showed the account reopened and the late pay removed. My credit score has been restored. I am very grateful for the quick response and resolution.
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: May 25, 2016 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning...

your Fifth Third Bank installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding our collection department. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. Your installment loan is considered past due for payment if we do not receive your total monthly payment by the due date indicated on your contract. The final calendar day of your grace period for the loan is not considered the due date for your payment obligations. There is a ten (10) day grace period on the account, with a late charge assessed if the payment is not received prior to the end of the grace period. Should your loan become past due, your account may also be subject to derogatory credit bureau reporting. Please note that your installment loan is a simple interest loan, with interest accruing daily on the unpaid principal. When we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last payment. Then we apply the remaining funds to the unpaid principal balance. Your payment habits affect the amount of interest you pay over the life of your loan. If payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of your loan. Because less of your payments were applied to the principal balance, there may be a larger final payment due to the additional accrued interest. Please find enclosed a copy of your installment loan payment history for your records. This reflects a variance in the amount of principal and interest paid each month depending on the payment date. On May 19, 2011, you agreed to a sixty (60) month term installment loan. Your first payment was due on July 3, 2011. Your loan maturity date is June 3, 2016. It should be noted, the Bank provides you with fifty-nine (59) coupons. The final payoff of the loan is unpredictable and unknown until the second to last payment is received. The Bank automatically sends out a final bill during the month prior to the maturity date. Once we have received the final payment for an installment loan, the lien for the vehicle will be released within ten (10) business days. Enclosed is a payment breakdown of the payments received for your installment loan. The payment breakdown shows the fifty-eight (58) payments you have made on your installment loan. The breakdown also indicates a principal balance of $849.73 remains on your loan. Furthermore, you have $81.37 in unpaid fees on the installment loan. For your records, your loan payoff as of May 25, 2016, is $934.96. This payoff includes the principal balance, fees, and unpaid interest on the loan. Please note, there is an additional $0.11 interest accruing daily. If after your review the enclosed documents you find that the account is incorrect, please forward details regarding the incorrect information to the following address: Fifth Third Bank 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. If you would like to contact the credit bureaus directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We value your relationship with Fifth Third Bank and appreciate the opportunity to respond to this matter. If I could be of further assistance to you, please call me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosures: payment breakdown, payment history, security agreement