Fifth Third Bank

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]
The response they gave me is not what I am asking for, first if all the letter I wrote was in regards to my wife's ira,their response was on mine. They obviously did not read my letter. It is true my wife signed the ira form, and the bank only disclosed the interest rate verbally and not the penalty , if turned in early. (the reason I am cashing it in early is because the irs told me) ( I forwarded this letter to the bank). the bank initially was going to charge 30 mos interest, their letter, lowered it to 15 mos interest. I am asking for a 6 mos interest penalty, which is pretty standard in the state of [redacted].  thank you

[redacted]Date: March 12, 2015Re: IRA for [redacted] Dear [redacted]:We received a copy of the complaint you filed with the Revdex.com on behalf of your wife [redacted]. We appreciate the time you have taken to document your thoughts and concerns.It is our understanding that you spoke with [redacted], Vice President via telephone on March 7, 2015. Because you are not a signer on this account, we are unable to share any details of this account with you. The Bank has security measures in place to protect the privacy and security of our account holders, and I apologize for any frustration this may cause you. Please be assured that we have researched your concerns, and a response letter with our findings will be mailed directly to [redacted].We appreciate your patience while waiting for a response. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, [redacted] Executive Support Specialist

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]

Final Response to [redacted]
[redacted]
[redacted]Dear Ms. [redacted]Thank you for the letter you sent to the Revdex.com regarding your checking account. 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 the difficulties you have experienced with your Essential Checking account. It was certainly not our intention to cause you any hardship. 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.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 in 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.Fifth Third Bank processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order:  Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability Policy.Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are received.All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount.Fees and service charges in the order of the largest amount to the smallest amount.  I have enclosed a copy of our current Rules and Regulations for your review. Page (12) provides additional information regarding our overdraft calculation order. On page 11, paragraph 13, you will find additional information regarding an account overdraft.On December 11, 2014, the beginning balance in your Essential Checking account ending in [redacted] was positive $80.00. Two (2) items totaling $113.51 posted to your account.These items were posted to your account in the following order:  Recurring purchase of $11.00Web initiated payment of $102.51   I have enclosed a copy of the overdraft notice sent to you on December 12, 2014, for your review. Your ending balance was negative ($33.51). Due to insufficient funds one (1) overdraft fee totaling $37.00 was assessed and posted to your account on the following business day.On December 12, 2014, the beginning balance in your Essential Checking account ending in [redacted] was negative ($33.51). On that day, an online transfer of $33.51 was credited to your account. There was also one (1) check that posted to your account totaling $5.00.These items posted to your account in the following order:5/3 online transfer of $33.51.Check for $5.00Overdraft fee of $37.00I have enclosed a copy of the overdraft notice sent to you December 15, 2014, for your review. Due to insufficient funds, we assessed one (1) overdraft fee totaling $37.00, which posted the following day. Your ending balance was negative ($42.00).On December 15, 2014, the beginning balance in your Essential Checking account was negative ($79.00). On that day, one (1) check posted to your account totaling $10.00. Due to insufficient funds, one (1) overdraft fee totaling$37.00 was assessed and posted to your account the following day. Your ending balance was negative ($89.00).We strive to provide professional and accurate information to our customers and I regret the difficulties you have encountered regarding your account. As a valued customer, we have reversed fees totaling $37.00 in the past twelve (12) months as a courtesy to you. Therefore, we are not willing to waive additional fees at this time.Ms. Hughes, thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at [redacted], or toll free at [redacted]Sincerely,[redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosures (4): Overdraft Notices, Overdraft Solutions Document, Rules and Regulations

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]

[redacted]Date: April 28, 2016 Account: [redacted]Regarding Your Mortgage LoanDear [redacted]:This is in response to your discussion with the Revdex.com and Lee F., Vice President and Bancorp Resolution Manager. For additional concerns, please refer to the previous response letters.Our records indicate that you called the Bank on July 2, 2015, for an explanation of the increase of your monthly payment after reviewing the Annual Escrow Account Disclosure Statement dated April 24, 2015. Per your request during this call, you were also provided instructions for removing the escrow from the mortgage loan; however, as our previous response addressed, we were unable to locate a request for the escrow account to be reanalyzed. For additional clarification on the increase of the monthly payment, page three (3) of the statement explains the projected and actual disbursements from June 1, 2014, to May 31, 2015. The projected disbursements in November 2014, and May 2015, to Oyster Bay Schools were in the amount of $3,420.86 each. However, the actual disbursements to Oyster Bay Schools were higher than projected, and the following disbursements were actually made from the escrow account:• In October 2014, a payment was disbursed to [redacted] in the amount of $4,402.20.• In April 2015, a payment was disbursed to [redacted] in the amount of $4,402.19.Please refer to page two (2) of the Annual Escrow Account Disclosure Statement dated April 25, 2015. This explains the projected payments from the escrow account for June 1, 2015, to May 1, 2016. In addition, the chart outlines the lowest projected balance of the escrow account, which is ($353.80), and the lowest required balance, which is $2,367.58. The escrow shortage, in the amount of $2,721.38, is calculated by taking the lowest required balance, $2,367.58, less the lowest projected balance, ($353.80).The annual review of the escrow account occurred on April 25, 2016. I have enclosed a copy of the Annual Escrow Account Disclosure Statement for your records and review. As this statement explains, there was an escrow shortage in the amount of $540.15, and the payment options are outlined as follows:1. Pay the escrow shortage of $540.15 in twelve (12) payments of $45.01. These shortage payments would be included in your new monthly payment of $3,101.51, which would begin June 1, 2016.2. Pay the escrow shortage of $540.15 in full by May 15, 2016.Your new monthly payment would be $3,056.50.3. Pay part of the escrow shortage of $540.15, and the part that is not paid would be divided evenly and added to your mortgage payment each month for the remainder of the annual review period. Per your telephone conversation with Lee F., Vice President and Bancorp Resolution Manager, you mentioned a concern that the escrow statements dated April 24, 2015, and April 25, 2014, were not received by you. Our records indicate that these statements were sent to the address on file at the time they were generated. Please note, these statements were also sent to you, at the address on file, on January 13, 2016, per the request made on January 12, 2016, while speaking to a supervisor with our Customer Service Department. In addition, these statements were uploaded to the Revdex.com website and enclosed with the response sent to you on February 11, 2016. I apologize if you didn’t receive these statements.We completed an additional review of the escrow account, and your request to have the account reanalyzed in September 2015. Our additional review determined that the account could have been reanalyzed at that time. We regret the difficulties this has caused you. Because of this, we have submitted a correction to all four (4) credit reporting agencies to remove the delinquent reporting for November 2015 and December 2015. Please allow approximately thirty (30) days for the credit bureau agencies to update their reporting. If you would like to contact the credit reporting agencies directly, their contact information is provided below: • [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####• [redacted] ###-###-####Please be assured that we have fully researched each complaint that you sent to the Bank. While we strive to send a response within fifteen (15) to twenty-five (25) days, we are not always able to do so, based on the amount of research that is required. I apologized for any additional difficulties the delay in receiving the correspondence may have caused you.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.April Q.Office of the PresidentPc: Revdex.com, New York State Department of Financial Services Enclosures: Annual Escrow Account Disclosure Statement

[redacted] Attn: [redacted] Date: June 23, 2016 Account: [redacted] Regarding Your Recent Deposit Hold Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com...

regarding your ATM (Automated Teller Machine) deposit and the subsequent hold placed on the funds. 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 inconvenience or frustration this matter may have caused you. It was certainly not our intention to cause you any hardship. I want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud. On the day of your deposit, a combined $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. ATM deposits received after the cut-off time of 7:00 PM EST (Eastern Standard Time) will be treated as deposited on the next business day. In some instances, we reserve the right to place a hold of a longer period of time on a deposit. The full amount of the deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the seventh (7th) business day after the day of your deposit. For your convenience, I have enclosed a copy of our current Rules and Regulations. Please refer to pages eighteen (18) and nineteen (19), which provide additional information regarding funds availability policy. You deposited a check into your checking account ending in [redacted] for $1,352.00 at a Fifth Third Bank ATM on June 15, 2016. A hold was placed on this deposit due to repeated overdrafts on this account. Because your deposit was not made in person, we were unable to notify you at the time of the deposit that there would be an extended hold on the funds. The hold was placed systematically based on the information received at the time of deposit. For this reason, we mailed a notice to you at the address listed above on June 16, 2016, that notified you of the hold that we placed. The notice explained that $1,352.00 would be on hold and would become available to you on June 24, 2016. I have enclosed a copy of the hold notice for your convenience. I apologize for any misunderstanding that may have occurred with this matter. Please be assured, I have verified that as of June 23, 2016, no fees have been received on your checking account associated with this transaction. [redacted], I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. If I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET Sincerely, Sarah S.Office of the President Enclosures (2): Rules & Regulations Important Information about Your Recent Deposit Letter

November 26, 2014 [redacted] 
[redacted] Re: Checking Account [redacted]Dear Ms. [redacted], We received your complaint filed with the Revdex.com regarding your checking account. We appreciate the time you have taken to...

document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning and have been addressed and forwarded to the appropriate personnel. On behalf of the Bank, I apologize for any inconvenience this issue may have caused you. When a customer contacts the Bank, we expect each situation will be handled in a professional manner. I apologize that this was not what happened when you initially contacted us and we expect that this will not be the case in the future. We were able to further research your concerns regarding the hold that was placed on the check deposit made via automated teller machine (ATM) on November 5, 2014, in the amount of $[redacted]. Our research determined that a hold was placed on the check due to repeated overdrafts. That hold was scheduled to be released on November 17, 2014. For your reference, I have enclosed a copy of the hold letter that was sent to you at the address above. We apologize that this was not the information you received from our Customer Service Department. As a result of the information you received, we would like to refund [redacted] for the fees she incurred. In order for the Bank to issue a refund check, we will need a copy of the applicable statement that includes a breakdown of the fees that were charged on the day the check was returned unpaid. The statement must also include [redacted]’ name and address so that we may mail the refund check to her directly. You may forward the requested statement to the address below: Fifth Third Bank Office of the President Attn: [redacted] 
[redacted] Cincinnati, OH[redacted] Alternatively, this requested documentation can be faxed to my attention at: [redacted] We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please contact me directly at [redacted]
[redacted] Sincerely, [redacted] Executive Support Specialist Office of the President Enclosure: Hold Letter Pc: Revdex.com

Please find attached our response to the complaint filed by [redacted]. January 23, 2015[redacted]Re: Credit Card XXXXXXXXXXXX[redacted]Dear [redacted]:We received a copy of the complaint filed with the Revdex.com regarding your Fifth Third Bank credit...

card account. We appreciate the time that 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 this matter may have caused you. Please be assured that we have contacted the relevant parties to fully research the credit card payment in question and passed on your concerns. We strive to provide professional and accurate information to our customers in as timely a manner as possible.Your credit card account is considered delinquent, and may be blocked for further usage, if we do not receive the total minimum payment by the due date indicated on your monthly statement. During that time, our Collection Department will attempt to notify you of the delinquent status and will attempt to make payment arrangements.You have several options available if you wish to review your credit card account balance and the minimum payment due including via the Internet at [redacted] visiting your local Fifth Third Financial Center, or by calling our Customer Service Department at ###-###-#### to utilize our Interactive Voice Response system (IVR) or to speak to an agent directly.On October 28, 2014, your credit card account was past due two (2) minimum payments totaling $115.00 for September 2014 and October 2014. We did not receive a payment on that day. Therefore, a late fee of $35.00 was assessed to the account. Since your credit card remained delinquent during two (2) consecutive months, the account was revoked and cancelled on November 3, 2014. Due to this reason, you are no longer able to use the card even after we received the sufficient payment to return your account to a current state.On November 28, 2014, your credit card account balance was $353.57, with a minimum payment due of $155.00. A payment was received on November 8, 2014, for $155.00 via our IVR system. This payment served to satisfy the minimum payment amount due at that time. However, this payment did not pay off the full balance on the account. When a customer calls into our IVR system, the credit card account menu gives the customer the option to get details of the account balance. The system will provide the available credit amount, the minimum payment amount and date due. The IVR system will not provide the full account balance due at that time. I apologize for the frustration this may have caused you.   Fifth Third Bank, Member FDIC. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp   On December 3, 2014, a credit card statement was processed and mailed to you at the address listed above. The account balance owed at that time was $200.93 with a minimum of $35.00 due on December 28, 2014. After a review of the payment history for this account, we have determined that a payment has not been received since November 8, 2014. As of today, your credit card remains past due with a minimum payment of $73.00 due on January 28, 2015. I have enclosed the current credit card statement for your review.Please ensure that you make timely payments to prevent any further collection proceedings. To make additional payment arrangements, please contact our Bankcard Loss Mitigation Group to inquire about any possible repayment options via telephone at ###-###-####, option 3, Monday thru Thursday from 8:00 AM until 7:00 PM EST (Eastern Standard Time) or Friday from 8:00 AM until 4:30 PM EST (Eastern Standard Time).We sympathize with the difficulties you encountered with our IVR system when you attempted to pay off your credit card balance. Therefore as a courtesy to you, on January 21, 2015, we reversed the late payment fee of $35.00 that posted to your account.Thank you for your patience while we conducted our research into your concerns. You are a valued customer and we look forward to serving your financial needs in the future. 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 PresidentPc: Revdex.com Enclosure: credit card statement

Thank you for your email. We are standing by our prior response to [redacted] on July 19, 2016, which stated that after multiple communications with him via mail, we consider the issue closed and will no longer be responding. Please let me know if you need anything else. Thank you,Jennifer  Jennifer L. C.Fifth Third Bank, Office of the President5050 Kingsley Dr.Cincinnati, OH  45263MD 1MOCOP

[redacted] Date: January 26, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your...

Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On November 12, 2015, the Disputes Department opened case [redacted] regarding a cash deposit from November 11, 2015, in the amount of $500.00 at the ATM. The Bank issued a provisional credit in the amount of $500.00 to the account ending in [redacted] while we completed our research. On December 21, 2015, we mailed two (2) letters to the address on file explaining the results of the review. One (1) of the letters explained that $280.00 of the claim had been approved. However, we were unable to locate an ATM variance that matched your dispute and the remaining $220.00 of your claim was denied on December 21, 2015. Upon denial of the claim, the remaining provisional credit in the amount of $220.00 was removed from your account. I have enclosed copies of these letters for your records and review. The Bank was able to further review the matter, and in the interest of customer service, on January 22, 2016, we credited $220.00 into your Essential Checking account ending in [redacted]. I am sorry for any frustration and inconvenience this matter has caused you while attempting to resolve the matter. 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 I 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 ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com Enclosures: Dispute Letters

[redacted] Date: March 23, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com concerning a...

recent mobile deposit to your checking account and the overdraft fees assessed to your account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience the delay in resolving this matter may have caused you. When someone contacts the Bank we expect that each situation will be taken care of in as timely a manner as possible and we regret any difficulties you may have encountered. Your comments expressing less than quality service are very concerning. Our goal is to provide professional and accurate service to our customers and I am sorry if that has not been your experience. You mentioned in your complaint that you made a check deposit via Fifth Third Mobile Banking after 9 PM Eastern Standard Time (EST) on February 29, 2016. Our records indicate the mobile deposit was made at 9:16 PM EST. If a deposit is made after 9 PM EST, the deposit transaction will post to your account on the following business day. This was disclosed to you in our Digital Services User Agreement in which you agreed on our internet banking website, www.53.com. I have enclosed a copy of this agreement for your review. 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. 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. Our Funds Availability policy is covered in the Rules and Regulations document that was provided to you when you opened your account. A copy is also available for review on 53.com. The mobile deposit of $298.58 that you made after the cut off time on February 29, 2016, posted to your checking account on March 1, 2016. However, only $100.00 was available in your account that day. If the available balance in your checking account is not sufficient to cover items that post to your account, the posted items may be returned unpaid and subject to overdraft fees. The per item overdraft fee is based on the number of occurrences in the last twelve (12) months. For the first occurrence, you will be charged $25.00 per item. For any additional occurrences, the charge is $37.00 per item. On March 1, 2016, your beginning checking account balance was $72.86. The mobile deposit of $298.58 posted to your account, however, only $100.00 was immediately available. Two (2) web initiated payments totaling $216.00 posted to your account. Since the available balance in your checking account was not sufficient to cover the items that posted, your checking account was charged two (2) overdraft fees of $37.00 each on the following day. I have enclosed a copy of the overdraft notice sent on March 2, 2016, for your review. It is important to ensure that your account has enough available funds to cover all of the transactions that post to the account. However, in the interest of customer service, on March 15, 2016, the$74.00 in overdraft fees that was charged to your account was waived. You will see this credit to your account on your next statement. You may want to consider adding Overdraft Protection to your checking account. We offer several types of overdraft protection. We can connect a second account such as another checking account or savings account, or you can apply for a credit card or equity line, which can be connected to your checking account in order for funds to be automatically transferred in case of an overdraft situation. With Overdraft Protection, you are charged one (1) Overdraft Protection transfer fee of $12.00 instead of an overdraft fee of $25.00 per item for the first overdraft occurrence, or $37.00 per item for each additional occurrence. If you would like more information about Overdraft Protection, please feel free to contact me using the information provided below. You can also visit your local Financial Center or contact our Consumer Contact Center at ###-###-#### to setup Overdraft Protection for your checking account. We appreciate your patience while we researched this matter. You are a valued customer and we look forward to servicing your future financial needs. If I may be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com

We received a copy of the complaint filed with the Revdex.comregarding disputed purchases that posted to your debit card. We appreciate thetime you have taken to document your thoughts and concerns regarding thismatter. On behalf of the Bank, please accept my sincere apologies for...

anyinconvenience or frustration this matter may have caused you.On September 11, 2014, we received your disputes for a purchase of $89.95 from Skin on September 9, 2014, and for apurchase made by [redacted] inthe amount of $85.95 on September 10, 2014. On September 11, 2014, we postedprovisional credits in the amounts of $89.95 and $85.95 to your checkingaccount while we investigated your disputes.During our investigation, we received credit for the$85.95 purchase from [redacted].Therefore, the dispute for this purchase was approved and the provisionalcredit that posted to your account will remain as a final credit. Whileinvestigating the purchase of $89.95 from [redacted],we received documentation from the merchant showing that the purchase wasvalid. Due to this reason, we denied your dispute and reversed the provisionalcredit of $89.95 from your checking account on November 4, 2014.Once we received your Revdex.com complaint, we filed a rebuttal disputefor the charge of $89.95 from Skin.The additional investigation into this transaction may take up to sixty (60)days to complete. We will have a final determination by January 24, 2015. Ifthe rebuttal dispute is found to be in your favor, $89.95 will be credited toyour checking account. If your rebuttal dispute is denied, your checkingaccount will not be affected. You will receive notification from our disputesdepartment as soon as their investigation if finalized.Ms. [redacted], thank you for your patience while we researched this matter for you. You are a valuedcustomer, and we look forward to serving your financial needs in the future. IfI could be of further assistance to you, please call me directly at[redacted]Consumer Resolution Specialist Office of thePresidentPc: Revdex.com

[redacted]Date: April 21, 2015 Account: [redacted]Re: Closed Credit CardDear [redacted]:We received a copy of the complaint you filed with the Revdex.com regarding your Fifth Third [redacted]. We truly appreciate the time you...

have taken to share your thoughts and concerns with us.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers' satisfaction.On March 10, 2014, the Bank received and approved your application for a Fifth Third [redacted]. On February 5, 2015, you contacted our customer service department and requested your address to be updated and that your account be closed. The agent updated your address and also closed your [redacted] during this phone conversation. On February 14, 2015, you contacted the customer service department about receiving convenience checks associated with your credit card. As the agent mentioned in this conversation, the checks were generated and mailed prior to your phone conversation on February 5, 2015 when you requested your credit card to be closed. I apologize for any confusion or frustration this process may have caused you.On April 10, 2015, you again contacted the customer service department and the agent stated he would have a letter generated and mailed to you within two (2) business days plus mail time. I'm hopeful you have received that letter. In the event you have not received that notice, please use this letter as verification that your [redacted] account was closed on February 5, 2015.Thank you for your patience while we researched this matter for you. You have been a valued customer, and we certainly hope you will consider using Fifth Third Bank for your financial needs in the future. If I could be of further assistance to you, please contact me directly at 513­358-2985, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Senior 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 find that this resolution is satisfactory to me.  I received notice of the adjustment from the Bank representative [redacted] in [redacted].  I have not received the enclosed letter to date.  I agree with the findings from Fifth/Third Bank and therefor consider my complaint closed.  There are though some inconsistencies with what the letter said and what the bank manager related tome.  I was told by her that I had to close out the auto-pay and the letter informed me that it was automatically shut down.  Secondly.  The payment hit my savings account on one day and an overdraft was presented.  It hit the same account on the second day with another charge for the over draft.  I was not informed of either overdraft until over a week later and my only knowledge of the overdraft was when my wife checked on the account due to her using the checking account for a transaction which she does monthly.  This is strange that fees are charged but there is no contact with the consumer.  I had $74.00 of overdraft fees before I even knew there was a problem  This is something that needs to be corrected by the banking industry.Thanks very much for the assistance.  I was very angry over what happened.  I closed out the account and then had payments made to a $0.00 balance account.  Something should have registered in this day of computer banking.
Regards,
[redacted]

[redacted] Date: March 24, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your Fifth Third...

Bank checking account. 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 or frustration this matter may have caused you. On February 23, 2016, we received your dispute for a payment of $470.77 from [redacted] that posted to your checking account on February 22, 2016. We opened case # [redacted] and began our investigation. The dispute was denied and the case was closed on February 24, 2016. Since this transaction was a pre-authorized transfer, the transaction needed to be cancelled with the merchant prior to the posting date of the transaction. If you have any questions about the investigation completed, you may contact our Disputes Department directly at ###-###-####, Monday through Friday, 8 AM to 5 PM EST. It is important to ensure that your checking account has enough funds to cover all of the transactions that post to the account. As a valued customer, we have reversed a total of $111.00 in overdraft fees within the past twelve (12) months. Therefore, we are unwilling to waive any additional overdraft fees on your checking account. I apologize if you were told otherwise. We appreciate your patience while waiting for a response. Thank you for your long standing business with Fifth Third Bank and we look forward to servicing your banking needs in the future. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., EST. Sincerely, Lisa S. 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. My view on the matter is their system is faulty and their staff is rude and unaccommodating and if I can't trust my bank I will go elsewhere these fees are not merited and they are on a grand stand to make a point. I will close my accounts and several times with this institution as a whole.
Regards,
[redacted]

[redacted] Date: November 16, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your additional rebuttal filed with the Revdex.com along with a copy of the Certificate of Liability Insurance faxed from your [redacted] Insurance agent. We appreciate the additional opportunity to research this matter. As advised in our previous responses, according to our insurance center, your comprehensive insurance coverage was cancelled on December 16, 2015. A new policy was written on March 30, 2016, that included comprehensive coverage. However, the effective date for this policy was May 24, 2016. Subsequently, the Bank purchased insurance coverage, on your behalf, that was in effect from December 16, 2015, until May 24, 2016. In your most recent rebuttal, you claim that the certificate provided from [redacted] Insurance documents that you had comprehensive coverage on the vehicle held for collateral from March 30, 2016, until September 15, 2016. However, our insurance center called your [redacted] Insurance agent directly and was advised that there was not comprehensive coverage on the vehicle until May 24, 2016. Your agent stated that a policy was written on March 30, 2016, however, comprehensive coverage was not added until May 24, 2016. Therefore, the insurance policy that was purchased by the Bank was necessary and you are not entitled to a refund for any of the insurance purchased. This is the same information that has been provided to you by the Bank previously. Our response on this matter has not changed. We consider this issue closed and will no longer respond to you regarding his matter. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, [redacted] Office of the President Pc: Revdex.com

Please find below the text of the letter being mailed to the customer. All enclosures were previously attached in our original response. Thank you.[redacted] [redacted] [redacted] Date: February 15, 2017 Account: [redacted] Account: [redacted] Regarding Your Recent Debit Card Dispute Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com concerning your recent debit card dispute. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We received your original complaint filed with the Revdex.com on January 11, 2017. We received your follow up correspondence on January 31, 2017. However, our position on this matter has not changed. Please find enclosed a copy of our prior correspondence dated January 26, 2017. I hope this correspondence answers any remaining questions you have regarding this matter. Hotel (Resort) Fee: On September 13, 2016, a $270.75 charge posted to your checking account, the merchant was [redacted] [redacted]. The merchant provided the following documents which disclose the daily resort fees: [redacted] Coupon which states, Additional fees: $30 daily resort fee plus tax paid at check-in. ** September 1, 2016, you contacted The Inn [redacted] and were informed that the $30.00 resort fee was not included in the [redacted] Price. ** The $270.75 charge consisted of $225.75 in resort fees and $45.00 for the missing mirror. Based on your most recent complaint, we have contacted the Dispute Resolution Department (DRD) who has reopened their investigation pertaining to the missing mirror. The reassertion can take thirty (30) days to process. Upon receiving this response, please contact the DRD and reference case [redacted]. Please provide any documentation you have regarding the missing mirror to the DRD. You can fax the requested information to ###-###-####. Please ensure your case number is on the requested documentation. Any questions regarding your case can be directed to the DRD at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday 8:30 a.m. to 5 p.m., ET. Provisional Credit: For your convenience we have also enclosed the provisional credit letter mailed to you on November 17, 2016. This letter informed you that the Bank had provided you with credit for the full amount. It should be noted, this credit was not permanent, and the investigation was still ongoing. On January 3, 2017, the Dispute Resolution Department closed their investigation and denied your claim that the charge was unauthorized. Please find enclosed the documentation provided to the Disputes Resolution Department from the merchant. The letter informed you that the provisional credit would be removed from your account. Included in the merchant’s documentation is a letter from the merchant dated December 7, 2016. As mentioned in our original response, the Disputes Resolution Department considers this investigation closed. You will need to contact the merchant regarding the missing mirror. New Debit Card Issued: In your follow up complaint you mention the Dispute Resolution Department did not replace the debit card used for the transactions with The Inn [redacted]. It should be noted, because case [redacted] was a non-fraud investigation, the Dispute Resolution Department did not block and replace your card. Had the charges been unauthorized and fraud was found on your account, the Dispute Resolution Department would have blocked your debit card and reissued a replacement card to you. We appreciate your patience while we researched your request. 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, Patrick S.Office of the President PC: Revdex.com Enclosure: Prior Response Merchant Documents Provisional Credit Letter

We received a copy of your complaint, filed with the Revdex.com,regarding your experience with the ATM (Automated Teller Machine) located atthe [redacted] Bank Mart. We appreciate the time you have taken to express yourconcerns 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 FifthThird Bank takes your feedback regarding your experience very seriously, and Ihave contacted the relevant parties to pass on your concerns.  We strive to provide professional andaccurate service to our customers, and I regret that the service you receiveddid not meet the same high standard. I apologize that you did not receive the funds you requested when you made an ATMwithdrawal from a Fifth Third Bank ATM. Unfortunately, your dispute could notbe processed by Fifth Third Bank for your [redacted]r OneCard.  It is our understanding that you have been reimbursed for the funds debited fromyour [redacted] Card. If still you have not receivedfull credit for the unsuccessful ATM withdrawal or have additional questionsconcerning your card, please contact the customer service number on the back ofyour [redacted] Card.  It was certainly not our intention to cause you any hardship and we appreciateyour patience while we researched this matter. If I could be of furtherassistance to you, please call me at [redacted]
[redacted] Sincerely,[redacted]
[redacted] ConsumerResolution Specialist Officeof the President