Fifth Third Bank

The check matches the amount of the two (2) transfers on the statements provided to Ms. Lewis. We have provided the customer with statements and copy of the check sent to [redacted] County. If [redacted] can provide us something from [redacted] County stating they did not process or receive the check we would respond to that. However, we would respond the same way with a photo copy of the attached check. Thanks. Pat S.Customer Care Team SpecialistFifth Third Bank | Office of the President

[redacted]        Date:  June 6, 2017       Account:   [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted]:  We received copies of the...

complaint you filed with the Revdex.com and the [redacted] regarding the joint checking account with your daughter ending in [redacted]. 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 Fifth Third Bank takes your feedback seriously and I appreciate this opportunity to respond to your concerns.   We are continually working to ensure the funds from your deposits are available in a timely manner. When you agreed to the Bank’s Digital Services User Agreement, which includes the terms and conditions for Mobile Deposit, you received information that explains cut-off times and the availability of funds deposited into your account. This document is also available on 53.com. I have enclosed a copy for your convenience. On pages six (6) and seven (7), it provides the following information regarding Mobile Deposits made using the “Immediate Funds” service: The cutoff time for Mobile Deposits is 8:00 p.m. Eastern Time (ET).  Mobile Deposits made using the “Immediate Funds” service before 8:00 p.m. ET are immediately available to make purchases, withdrawals, and cover any pending items that may post to your account that evening, such as utility or other electronic payments.  Mobile Deposits made using the “Immediate Funds” service between 8:00 p.m. and 9:00 p.m. ET are immediately available to make purchases, withdrawals, and cover any items that may post to your account that business day, such as utility or other electronic payments. The deposit transaction will reflect on your account statement as occurring on the following business day Mobile Deposits made using the “Immediate Funds” service after 9:00 p.m. ET, funds are immediately available to make purchases and withdrawals; however, the funds deposited will not be available to cover any items that may post to your account that business day, such as utility or other electronic payments. The deposit transaction will reflect on your account statement as occurring on the following business day. Customers may also refer to the cutoff times and funds availability details located within the deposit section of the mobile app. Overdraft fees post to your account the day after the account activity that caused them. Your mobile deposit of $35.00 was made on December 6, 2016, at 12:46 a.m. and posted that day. The mobile deposit needed to have been made by 9:00 p.m. on December 5, 2016, to avoid the two (2) overdraft fees caused by the debit card activity that posted that day.  A debit card dispute was filed for three (3) transactions totaling $21.49 on January 18, 2017, and the case number [redacted] was opened by the Disputes Resolution Department. A credit was issued to the checking account for the disputed items on January 23, 2017. The credit of $21.49 was considered final. In addition, the account was credited for three (3) $37.00 overdraft fees related to the disputed debit card activity. After these credits, the account balance was negative ($131.56).   If an account remains negative for fifty-five (55) days, we will close it, report it to ChexSystems (a consumer reporting agency) and send it to a third (3rd) party collection agency. The checking account ending in [redacted] became overdrawn December 5, 2016. It was charged off on January 31, 2017, with a negative balance of ($161.56).  In order to see what the running account balance would have been without the three (3) disputed debit card transactions, I made the enclosed spreadsheet. Even if the three (3) debit card purchases totaling $21.49 never posted to the account, it would have still become negative on December 12, 2016. As there was no further activity in the account, it still would have been charged off for ($124.56).  As a result of this review, we are unwilling to remove the charge off balance or to remove the account ending in [redacted] from ChexSystems reporting. You will need to contact [redacted] to make a payment arrangement. They can be reached toll-free at ###-###-####, Monday and Thursday, 8 a.m. to 7 p.m., ET, and Tuesday, Wednesday, and Friday from 8 a.m. to 5 p.m. I hope that this information helps to reassure you that the Bank has properly serviced your accounts. You are a valued customer and we look forward to continuing our relationship with you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely,      Alison S.Office of the President  Pc: Revdex.com; [redacted]  Enclosures

Fifth Third Bank is refusing to give me my money back because they have a signed receipt. I finally saw the receipt and it is FORGED! 100% NOT MY SIGNATURE! Not even close! And they accepted it as mine and will not return my money! Also, the man cannot say what I bought, as I didn't buy anything after my 40.00 purchase! All he says is 5,000 pesos. 5,000 peseos is more like 270.00...The $254.15 is an amount made up by him. I swear on my grandmother that I did NOT PURCHASE 5000 peseos...I bought one item for $40.00, as did my friend. After the 40.00 on my statement, there was a 2nd for $254.14. I immediately knew it wasn't mine and warned my friend. He added charges on to her account too! This man is stealing from visitors! My friend got her money back! But my bank is accepting this forgery! ...HE FORGED MY NAME! Please please help me! I can show you it's not mine! I beg you to help get my money! This bank is stealing from me!

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 believe the loan officer had knowledge for months about the [redacted] situation and had weeks to tell us so we could get prepared. He just didn't because he wasn't concerned. We have not gone with 5/3 but did buy the house and we are very happy with our home. We just paid cash for the home. 
Regards,
[redacted]

[redacted] [redacted] [redacted] [redacted] Date: April 29, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted] [redacted]: We received a copy of your Revdex.com complaint, regarding the title for your vehicle. We...

appreciate the time you have taken to express your concerns regarding this matter. Your comments expressing less than quality service are very concerning and we regret the difficulties you experienced. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Our records show that your installment loan ending in [redacted] was closed on July 9, 2014. On July 17, 2014, the title for your vehicle was mailed to [redacted]. This was the address on file for your installment loan at that time. On March 11, 2016, your address was updated to [redacted] [redacted]. A request to have a lien release was also processed on that same day. We apologize if you did not receive the lien release issued at that time. Our Collateral Department is processing your duplicate title request for your vehicle. Please allow up to three (3) weeks to receive the duplicate title. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered while attempting to obtain the title for your vehicle. We believe your issue was resolved accordingly, and I hope that this letter will meet your satisfaction. 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, Elizabeth J.Office of the President Pc: Revdex.com

5/3 Bank started off as a great company to work with, they had great customer service and prompt service; however, that is no longer the case. If there is an issue with your account, expect to be on hold for at least 20 minutes, then get transferred to someone else to restart the wait. My debit card was compromised and the 5/3 customer service team were everything but helpful.

[redacted] Date: January 26, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

checking account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Enclosed for your review is a copy of the Rules and Regulations applicable to your account. Pages eleven (11) through thirteen (13) explain how Fifth Third Bank processes transactions and overdrafts. Per the Rules and Regulations, transactions are processed in the following order: ** Add in credits and deposits per our Funds Availability Policy ** Deduct timestamped debits, such as Automated Teller Machine (ATM) withdrawals and debit card transactions, in the order they were authorized ** Deduct batch debits during overnight processing, such as checks and Automated Clearing House (ACH) items, in order of the largest amount to the smallest amount ** Deduct Bank fees and service charges Debit card and ATM transactions are time-stamped debits and are pre-authorized at the time of use, and will show as pending until they are posted. Because time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic ACH payments are batch debits that are not pre-authorized by us. These transactions do not include a time-stamp and will not show as pending during the day. Checks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized by you to be paid. Direct deposits are also credited to your account for the date the issuing party states the funds should be made available to you. Direct deposits show as pending on the date of the deposit. The beginning balance in your checking account on January 19, 2017, was $6.62. Two (2) transactions totaling $1,406.75 posted to your account during overnight processing for that day, resulting in an ending balance of negative ($1,400.13). Based on our processing order listed above, the timestamped debit card transaction posted to the account first (1st) for $6.75, which exceeded the $6.62 balance. We then deducted check number [redacted] for $1,400.00. Because both transactions posted to the account causing a negative balance, and the resulting overdraft was greater than negative ($5.00), two (2) $37.00 overdraft fees were assessed the next business day. You received a $1,565.16 direct deposit on January 20, 2017. However, a direct deposit on January 20, 2017, cannot prevent already assessed overdraft fees from the previous business days payments from posting. A deposit must be received prior to a payment posting to prevent an overdraft occurrence. We confirmed that the transactions posted in accordance with the Rules and Regulations for the account, and that no errors were made. We certainly understand that mistakes sometimes happen, and we are able to reverse some overdraft fees on customer accounts every rolling twelve (12) month period. We previously waived $74.00 in overdraft fees from your account in the interest of customer service since the account was opened on August 5, 2016. We are unwilling to waive additional fees at this time. You mentioned the processing order on your checking account varies based on whether or not there is an overdraft situation. Please be assured that all transactions are processed as listed above per the Rules and Regulations. Please note that because timestamped transactions are deducted before batch debits, it is possible that the timestamped transaction will be larger or smaller than the batch items. Only batch items are processed in order of the largest dollar amount to the smallest. Enclosed are all statements and overdraft notices that have been issued for your account since it opened. I noticed that you utilize our Online Banking, but you have not set any account alerts. You have the ability to set alerts to be emailed or texted to you to regarding the account balance. You can set an alert to tell you if the balance falls below a dollar amount of your choosing, and to send you a daily balance. Please note that daily alerts are sent one (1) time per day. You can establish alerts, as well as register for Mobile Banking online at 53.com by visiting the Service Center tab. If you have questions or need assistance, please contact our Customer Service Department at ###-###-####. Customer service is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. Please note that because batch debits do not show pending on your account and are posted during overnight processing, you will not receive an overdraft alert for a batch debit overnight. Some customers choose to maintain a ledger of all transactions they have scheduled to help avoid overdrafts. You may also wish to consider declining Overdraft Coverage for your ATM and debit card transactions. Currently, you have opted-in to Overdraft Coverage. This means that the Bank may approve a one-time debit card transaction even if there are insufficient funds in your checking account. This can result in overdraft fees if the transaction posts to the account while it has a negative balance. If you opt-out of Overdraft Coverage, the Bank will decline one-time debit card transactions if there are insufficient funds in your checking account at the time of the authorization. Overdraft Coverage does not apply to checks or ACH electronic bill payments. For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the future. Information regarding Overdraft Coverage options is also provided on the enclosed document. Please feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosures: Rules and Regulations, Statements and Notices

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID[redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]I have checked with other banks and none of them do business on loans in this manner.  Again, I expected the last payment was the last coupon in my payment book. When I went to payoff the loan, the employee and the manager of the branch would not take my check for the payment with out the additional "extra"  payment.  I did not leave the bank until they took my check.   This treatment was rude and unprofessional as well as deceptive on the part of the bank.   I appreciate this opportunity to "do" something to alert other people facing this issue with this bank and accept the response from the bank.  Thank you  Revdex.com  
Regards,
[redacted]

[redacted] Date: September 7, 2016 Account: [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com regarding your debit card dispute. We appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration you may have experienced. However, we stand by our previous responses sent to the above address on September 1, 2016. I have enclosed a copy of our previous written response for your review. Our position on this matter has not changed. As mentioned in our prior response, the Dispute Resolution Department opened case [redacted] to investigate your claims of non-receipt of services. Specifically, that you had paid an attorney for services that you believe were not performed. Based on the information you provided the Dispute Resolution Department, your claim was denied. I hope this correspondence cleared up any outstanding questions you had related to this issue. We truly value your business, and we look forward to continuing our banking relationship with 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, Patrick S.Office of the President PC: Revdex.com Enclosures: Prior Response

[redacted] Date: January 31, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your checking...

account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. You contacted the Bank on December 14, 2016, at approximately 11:30 a.m. to advise your purse was stolen along with all of your Bank information, personal identification, and password information. You spoke to a representative named Trafawn. You requested to have the account closed, but Trafawn advised she could not because the account balance was negative. Please note that Fifth Third Bank can close an account per a customer’s request only if the balance is zero ($0.00) and there are no pending transactions. You determined during that phone call that a fraudulent $51.41 debit card transaction to [redacted] processed that morning at 8:48 a.m. using your stolen debit card. Trafawn advised she would place a hold on your account, would place a temporary hold on your debit card, and would transfer you to our Dispute Department to dispute the fraudulent transaction. Trafawn placed you on hold to call the Dispute Department to connect you to a representative. However, when she came back to the call to transfer you, you were no longer on the line. I confirmed that the debit card hold was placed on December 14, 2016, and the checking account hold was placed on December 15, 2016. The $51.41 debit card transaction to [redacted] was disputed by the [redacted] Banking Center on December 15, 2016. The transaction posted to the account on December 16, 2016. The case number assigned to your dispute was [redacted]. After you disputed the transaction on December 15, 2016, the debit card utilized was permanently closed. The dispute was approved and the $51.41 was credited to your checking account on December 20, 2016. Please be advised that even though the Bank placed a hold on your checking account, it does not prevent transactions from attempting to process. The hold returns the transactions as unpaid, but relevant returned item fees are still assessed. On December 27, 2016, six (6) checks totaling $1,947.00 posted to the account. Another check for $983.00 posted on December 28, 2016. All of the transactions were returned as unpaid, but $259.00 in returned item fees were assessed to the account. You disputed the seven (7) check transactions on January 3, 2017. The case number is [redacted] and is still being researched. It can take up to forty-five (45) days to resolve. I confirmed that all of the returned item fees associated with the checks have been waived from your account. Please note that anytime a transaction posts to your account that causes a negative balance, we are required to send a letter to you notifying you of the situation. For this reason, you receive an overdraft notice. We also issued a letter on January 25, 2017, notifying you of the overdraft on your checking account and possible action the Bank could take. Please be assured that the letters are automatically generated and we cannot prevent them from being issued. The Bank will not take any account action on the account while the fraud is being investigated. I am very sorry for any distress the notices may be causing you. Your checking account was secured by the hold we placed on December 15, 2016. No transactions can be approved on the account. I confirmed that all overdraft fees and/or returned item fees for disputed transactions have been waived on the account since December 15, 2016. You also mentioned that you wanted to place a password on your account. Please be advised the Fifth Third Bank guidelines do not allow a password to be placed over the phone with our Customer Service Department. Customers must visit a banking center and show identification to have a password placed. This is done as additional protection to our customers so someone who has stolen a customers’ information or identity cannot call the Bank to place a password. This would prevent the actual customer from being able to get information or make changes to their accounts, because they would be unable to give the password added by the person committing fraud. I noticed that a customer service employee added a password to your account on January 10, 2017. Please be advised that this was done by the employee outside of the Bank’s guidelines, and I have contacted the relevant Bank personnel regarding the action. If you did not place this password, please contact me immediately using my phone number listed below. If you did place the password and want to change or remove it in the future, you will need to visit a banking center to do so. We may be able to close the checking account ending in [redacted] when the account balance is zero ($0.00), as long as there is no pending activity and no checks, Automated Clearing House (ACH) transactions, or Online Bill Payments post the same day. Please note that a $459.15 transaction to Comcast posted to the account on January 24, 2017, which we returned as unpaid due to the account hold. A $37.00 returned item fee was assessed on January 25, 2017. The balance in your checking account as of January 26, 2017, is negative ($35.44). You may wish to contact the Dispute Department to dispute the transaction. Because the transaction was not able to post, the dispute would allow the returned item fee to be waived if the dispute is approved. If you would like to follow up with the Dispute Department directly, they can be reached toll-free at ###-###-####. The Dispute Department is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. Alternatively, you can contact me directly using my phone number listed below. Please be assured that your new checking account is not connected to the old checking account. They have different account numbers and new debit cards with new debit card numbers were issued. Depending on what information was also stolen, such as identification or your Social Security Number, you may wish to consider filing an identity theft report with the Federal Trade Commission (FTC) online at IdentityTheft.gov. You may also wish to place a fraud alert with the credit reporting agencies. You can contact the credit reporting agencies using their information listed below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### It should also be noted that you are entitled to receive one (1) free credit report from [redacted], and [redacted] each year. You can order this by visiting www.annualcreditreport.com. I am very sorry for the dissatisfaction you have experienced with our Customer Service Department. You specifically mentioned an employee named Aubree. Unfortunately, I was unable to locate any phone calls with someone by that name. I apologize for any distress this may cause you. Please note that I was able to locate a phone call during which the call ended abruptly. I cannot determine if the agent purposely terminated the call, or if the call was dropped. Please be assured that I have reached out to the relevant Bank personnel regarding the possible hang up. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com

She has a copy of the letter! I will send confirmation today from my agent but I need a fax number I'm extremely upset at the way this is being handled by Fifth Third Bank because we were told this would be resolved if they had confirmation from my insurance company which they did in the form of a dictated letter. When they received the letter they then changed their requirements to a declaration page. I have spent many many months on this and they find loopholes to not refund my money when they got what they required in the first request. They can not keep going back adding more requirements when we fulfilled the first several! This is highly questionable practices on their part and I don't understand why this can not be resolved by reading their first request that all they needed was confirmation from my insurance company. They got it in a phone call from my agent then they wanted more and got it in a letter now they want even more! What's to stop them from adding another requirement? If you go to the many many review sites on the internet Fifth Third Bank has horrible reviews yet your site has them rated as an A+? I see how it works that you have to keep rejecting their responses and providing endless documentation. This is not set up to help the consumer by any means!

At this time I am asking Fifth Third Bank to be responsible at least for a portion of the $570.51 being that had they respond to me in a timely manner none of this would have happened.Respectfully,[redacted]

[redacted] Date:           May 13, 2015 Account:              ' [redacted] Re: Customer Service Experience Dear [redacted]: We received a copy of...

your complaint filed with the Revdex.com, concerning your Fifth Third Bank debit card and your experience at the [redacted] Banking Center. We appreciate the time you have taken to express your concerns and for bringing this matter to our attention. Your comments expressing less than quality customer service are very concerning. We strive to provide accurate and professional services to our customers. Please be assured that I have contacted the relevant parties and expressed your dissatisfaction with the service you received from our Fraud Department and at the [redacted] Banking Center. I understand that you were not aware of the option to notify Fifth Third Bank that you were traveling. This temporary block is used not only for customers who are traveling, but for card transactions outside of a customer's normal activity pattern. That is why we don't "require" customers who are traveling to notify us. For customers who will be traveling for an extended period, the Bank can monitor their cards allowing the majority of transactions to be approved that might otherwise be considered outside of their normal spending habits. Notifying the Bank that you will be traveling does not guarantee all transactions will be approved; however, it decreases the likelihood of receiving a denial at a merchant. On April 29, 2015, our Fraud Department detected three (3) consecutive charges on your debit card that they viewed as potential fraudulent activity and blocked it. The purpose of the block was to have you call us so that we could verify the card was in your possession. Fifth Third Bank takes protecting financial and personal information very seriously and I regret that the policies meant to ensure the security and privacy of your account caused you any inconvenience. It is our understanding that the block was placed after the approved call out hours. Our Fraud Department placed your account in a call out queue for the following day, in order to notify you of the block and verify the debit card transactions. On April 30, 2015, our Fraud Department confirmed that you contacted them to confirm the debit card transactions before the call out queue was worked. Later that same day, another agent from our Fraud Department attempted to call you at your home phone number while working the call out queue and had to leave you a message. Since this agent was not aware that you had already verified the debit card transactions in question, they replaced the block on your debit card in error.It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered with our Fraud Department and at the [redacted] Banking Center. Fifth Third Bank takes comments of unprofessional conduct very seriously. We have conducted an investigation of your claims but were not able to find any misconduct was involved. We are not able to provide any additional information to you concerning our investigation.Because the Bank is attempting to confirm your identity when placing or removing a block on a card, the Bank employees will ask verification questions based upon your account relationship with the Bank. We ask verification questions about your account activity or for your mother's maiden name, because that is not easily accessible information to an outside party. If the customer is unable to answer a question, the agent must ask a different question until a minimum number of correct answers is received. Our intention is not to cause you aggravation or inconvenience, but to safeguard your account.In addition we expect our customers to conduct themselves in a respectful manner during all interactions with the Bank. During our review of your complaint, we have found that this does not seem to be the case with your conduct at the [redacted] Banking Center.We regret that after careful review, we decided to terminate our relationship with you. A notice was mailed to you on May 1, 2015, to inform you that your accounts would be closed effective May 11, 2015. Per this notification, the savings account ending in [redacted] was closed on May11, 2015.On May 11, 2015, the balance in your checking account was $715.32. A total of $123.00 in fees was credited back to your account. Five (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 $148.00 were assessed. The ending available balance was negative ($664.02). I have included a copy of the overdraft notice for your review.Due to the negative balance in your checking account ending in [redacted] the account could not be closed on May 11, 2015. If you make a deposit of $516.02 to the checking account, the [redacted] Bankmart is willing to waive the overdraft fees totaling $148.00 and close the checking account with a zero balance.I am sorry for your unsatisfactory experience when you attempted to resolve this issue. However, we stand by the decision to close your account. 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

[redacted] 
[redacted] 
[redacted] Date: December 31, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com concerning the cashier’s...

check associated with your mortgage loan closing. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. Please be assured we have researched the matter you have brought to our attention, in which cashier’s check number [redacted] for $2,211.00 was not received by [redacted] Bank. Our research on this matter has found that this check was reported as lost, and a new cashier’s check, number [redacted], was issued as a replacement. According to our records, this cashier’s check was then deposited into your Essential Checking account ending in [redacted]. We deeply regret the inconvenience this caused. Additionally, your comments expressing less than quality service you received during the course of your refinance and during the process of obtaining a replacement cashier’s check are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. I want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. Ms. Hofmann, I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S. Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I have not requested this merchandise. I have not signed for this merchandise. I have not received this merchandise. I was not able to speak to a live person regarding this charge. I should not have to wait 60 days for a resolution. This has been going on for several months now. As soon as I find the name and address of the company that is refusing credit for an item I did not receive, I would also like to file a complaint against them.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
Regards,
[redacted]
Their original response clearly shows that $44.00 was being accepted into the account from [redacted].  If they would like I will have [redacted] provide the account they were sending the money to. They have a record but do not think I do, this is bordering on fraud if not fraud. I am waiting for [redacted] to send documentation which I will also share with my attorney.

[redacted] Date: April 22, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com regarding your Fifth Third Bank installment loan. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this situation may have caused you. However, we stand by our previous response letter sent to the above address on April 13, 2016. I have enclosed a copy of our previous written response for your review. Our position on this matter has not changed. You are a valued customer and we hope you will allow us to service your financial needs in the future. If I may be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####. Sincerely, Lisa S.Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosure: letter dated April 13, 2016

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.   Fifth Third bank has not sent any additional information regarding my complaints. Their response appears that they haven't even read my complaint. They have NOT stated how it is possible they have sent me two checks, yet only have record of one. They state I have not provided additional information, but they will not respond to what I have specifically stated in my response. Their agents over the phone can verify these payments made, and checks sent, yet the person handling their Revdex.com complaints doesn't have access to this same information, to logically respond to a complaint of a customer. They can consider this matter closed - a good customer extremely dissatisfied. If they can't even read through a complaint, and provide actual information in regards to it, I have no interest in continuing this back and forth. This is not a reputable company that can back anything up, or even attempt to resolve a complaint. I will not accept their response as it is clear they have not actually read anything I've sent - as they have not answered anything regarding my account information. With that, it is clear I cannot trust this company with my information either.For me, this matter is not closed and I have no issue containing to state what a terrible, untrustworthy company this is. Unless they would like to provide actual insight into my complaint and how they could not have this information, even after sending me a check, I need no further communication from them. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

[redacted] Date: June 8, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, 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 Automated Teller Machine (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 declined Overdraft Coverage for ATM transactions and one-time debit card transactions on January 23, 2014. A letter confirming your decline 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. 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 Automated Clearing House (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 may 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. You do have the option of turning off Overdraft Coverage for checks and ACH payments, which will cause these items to be unpaid and automatically returned from your account the next business day. However, although these items will not be paid, your account will be assessed a $37.00 returned item fee for each payment. On May 2, 2016, the balance in your checking account was $43.51. Four (4) items totaling $138.72 posted to the account that day, creating an ending balance of negative ($95.21). Due to non-sufficient funds, one (1) overdraft fee of $37.00 was assessed for the ACH payment to [redacted] and posted the following business day. The ending balance was negative ($132.21). An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fees assessed. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. Our records show that on April 13, 2016, a total of $50.00 in overdraft fees were waived. In the interest of customer service, we waived an additional $24.00 in overdraft fees on June 6, 2016. However, we are not willing to reverse the entire amount of overdraft fees assessed as you have requested. You have the ability to cancel ACH payments with the payees involved or place a stop payment for each transaction. When requesting a stop payment, we require the exact details of the outstanding ACH transaction including the date, the payee involved, and the payment amount at least three (3) business days or more before the payment is scheduled. If you request stop payments less than three (3) business days prior to the scheduled date, then those stop payments may not prevent the ACH transactions from posting on your account and causing fees. If the transaction from [redacted] for $105.65 was unauthorized or fraudulent, please contact our Dispute Department in order to file a dispute claim. The Disputes Department can be reached toll-free at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. To prevent an overdraft situation, you have the ability to review your account at an ATM, on our website at 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 ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J.Office of the President Enclosures: Overdraft Coverage Notice and Overdraft Solutions