Fifth Third Bank

Revdex.com:
I cannot accept anything until I see the next phase of this crooked companies effort to scam a consumer. In the previous response I pointed out that this charge off was over two years old and would not be harm me or my family if correctly reported after the same individual pointed out that all of the information was correct in this charge off. I am assuming that this company is only offering to remove the charge off so that they can re bill for the amount and potentially hurt my family once again because the fraudulent reporting was a failed attempt. All of these things this company keeps doing have happened because I was 32 days late on a payment during a military deployment. They have reported me as being over 120 days late multiple times(them and I have the payment histories that disprove this), had a repossession company call me, wrecked my credit in 2014, caused us to be disqualified for my wife's dream home in November because of their false reporting a second time, deleted our payment histories at the credit bureaus so they could report this charge off as current after this vehicle was paid in full on time. Whats next?  On a more positive note, once again they admitted that there is/was a grace period. Which they admittedly denied back when I pointed out that a grace period by standard and commonly accepted definition means a period without penalty. Any alterations to a commonly accepted meaning have to be expressly termed in the contract that reference any variations in a definition at the time ([redacted] {The courts do not rely on implied or unusual meaning in contracts if not expressly stated}). The definition this company is giving for a grace period is not the commonly accepted definition of grace period, which upon calling in at the time customer service representatives would tell me I was in. Its funny because under the same implied philosophy couldn't I state that the due date is merely a suggestion or that this company owes a balloon rebate at the end of the contract? Things only count if they are expressly written in the contract. Which means that they admitted to unfairly canceling this contract by attempting to use implied reasoning and suggestion to cancel. Once again, there original expressed reason for canceling this modification was because I was over 30 days late which was nowhere in the contract. I never once questioned the due date which they keep trying to point out.  This company has hurt my family many times over by doing whatever they want and abusing the consumer. I can only assume that this company is going to attempt a different approach to attempt to hurt us again since fraudulently reporting to our credit isn't going to work. We were still disqualified from my wife's dream home because of their fraudulent reporting so there are tangible damages from this companies abuse of power and fraudulent actions. If this matter isn't successfully resolved we will be seeking further legal action.  How does a company in today's society get away with fraudulently reporting an individual as not paying a bill for like 5 months? Recalculating my payments to look like I hadn't made a payment for months when they canceled my contract modification ( I have my bill pay history that can prove otherwise). Or deleting good payment history to validate reporting a charge off that was pencil whipped over two years ago while still charging the customer the same monthly payment amount as if the principal was the same(they had to know they were doing something wrong if they had to delete good history to report what they wanted)? Like the office of the president said before I pointed out that it was beyond two years and I was going to seek legal action because of their unlawful behavior, "There were no errors and all information was reported accurately" or making up personal definitions of words that aren't expressly written anywhere including their own company policy to justify actions that hurt the consumer (they have no written definition of grace period as they state it at the company level and could not produce it at the time. This was their adhoc method to justify canceling a contract which wasn't the original reason it was canceled). Food for thought: All of these things happened initially because I was 32 days late on a payment. It took them 4 days to process my payment.Until I see what this company actually does I will believe nothing they say and am preparing for legal action. Please file this for public record. [redacted]###-###-####  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] [redacted] [redacted] Date: March 24, 2016 Regarding Your Credit Card Application Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your credit card application. We appreciate the...

time you have taken to document your thoughts and concerns regarding this matter. As we stated in our previous response letter dated March 10, 2016, we were unable to locate any credit card applications from you within our files. If you would still like to apply for a Fifth Third Bank credit card, you may do so online at 53.com, by visiting any Fifth Third Bank banking center, or by calling our New Accounts Department at ###-###-####, option 3, Monday through Friday, 8 a.m. to 8 p.m., and Saturday, 8 a.m. to 5 p.m., ET. Unfortunately, as we also stated, we were unable to research any contacts you may have had with the Bank based on the information you provided within your complaint. I have enclosed a copy of the previous response letter which contains our address and fax number to send any additional information if you would like to research this matter further. Additionally, per your request, we have removed your name and address from the lists we use to generate promotional mailings. However, please be aware that some mailing lists are compiled up to three (3) months in advance, so there is the possibility that you could receive some promotional mailings in the near future that were generated prior to the removal of your name and address. If you are interested in limiting promotional credit card offers from other creditors, as well, we encourage you to notify the three (3) major credit reporting agencies that you wish to exercise your right to prohibit the use of information in your credit report by any consumer reporting agency from being used to send you offers of credit which you did not request. You can do so for [redacted], [redacted], and [redacted] at once by calling [redacted] (###-###-####). Or write to: [redacted] Credit Information Services, Inc., [redacted]; [redacted] Opt Out, [redacted] [redacted]; and [redacted] Name Removal Option, [redacted] 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, Elizabeth D. Office of the President Pc: Revdex.com Enclosure (1): Previous Response Letter

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]

[redacted] Date: March 28, 2017 Regarding the Mortgage Interest You Paid Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding the mortgage interest you paid on [redacted] mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. I also want to thank you for taking the time to speak to me about your concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. After speaking with you on March 21, 2017, I reached out to Fifth Third Bank’s legal counsel for advisement. Unfortunately, we are unable to send the Form [redacted] Mortgage Interest Statements for [redacted] mortgage loan to you because you are not a signer on the loan. You may want to consider consulting a tax advisor about how to claim the mortgage interest you paid on your tax returns without copies of the Mortgage Interest Statements. Thank you for your patience while we conducted our research. 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, Elizabeth D.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]

[redacted] Date: December 8, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding the...

overdraft fees assessed to 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. On behalf of the Bank, please accept my sincere apologies for any inconvenience these matters may have caused you. We strive to provide professional and accurate service to our customers and we regret if that has not been your experience. The Bank is continually working to ensure the availability of funds for withdrawal while staying within established Federal guidelines. 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. I have enclosed a copy of our current Rules and Regulations. Refer to pages eighteen (18) and nineteen (19) for additional information regarding funds availability. If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account is overdrawn. We do not assess overdraft fees on pending transactions. Per item overdraft fees will not be assessed if your account is overdrawn by less than $5.00. The amount of the per item overdraft fee is based on the number of times your account has become overdrawn in the last twelve (12) months. For the first overdraft occurrence, you will be charged $25.00 per item. For each additional occurrence, a $37.00 per item fee will be assessed. We process transactions at the end of each business day and do not process transactions on Saturday, Sunday or Federal Holidays because they are not considered business days. Transactions that post to your checking account are processed in the following order: 1. Credits and deposits made prior to the end of day cutoff time (according to our Funds Availability Policy) 2. ATM transactions and debit card transactions in the order they took place 3. All other debits including checks, electronic bill payments, in the order of highest amount to lowest amount 4. Fees and service charges in the order of highest amount to lowest amount Please note that this posting order may change due to circumstances beyond the Bank’s control, such as changes or disruptions in network processing or processing delays by a third party. Pages 11 through 14 of the included Rules and Regulations handbook contain more details about the Bank’s overdraft policies. On November 23, 2015, the beginning balance for your checking account was $149.53. An Automated Clearing House (ACH) deposit for $200.00 posted and was made immediately available in your account. Eighteen (18) items totaling $426.84 posted to your account. Therefore, your ending account balance was negative ($77.31) due to the last ten (10) items that overdrew your account. Due to insufficient funds, ten (10) overdraft fees totaling $370.00 were assessed to your account and posted the following day. On November 24, 2015, the beginning balance for your checking account was negative ($77.31). One transaction posted to your account for $172.50, in addition to your overdraft fees assessed from the previous day. Therefore, your ending account balance was negative ($619.81). However, it should be noted that no overdraft fees were assessed to your account for the $172.50 transaction. On November 25, 2015, the beginning balance for your checking account was negative ($619.81). We received your check deposit for $2,406.86 and $100.00 was made immediately available. As a result, the remaining funds totaling $2,306.86 were not available until the following day. Four (4) items totaling $72.72 posted to your account. Therefore, your ending available account balance was negative ($592.53). Due to insufficient funds, four (4) overdraft fees totaling $148.00 were assessed to your account and posted the following day. Copies of the overdraft notices sent for the days referenced above are enclosed for your review. It is important to ensure that your checking account has sufficient funds to cover the transactions you have authorized. In the interest of customer service, overdraft fees totaling $148.00 have been reversed and credited back to your checking account within the last two (2) months. Therefore, we are not willing to reverse any additional overdraft fees at this time. 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. To maintain the security of your account, I am sending this letter to the address we currently have on record for you. I noticed that the return address noted in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your correspondence. I encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updated. The Customer Service Department can be reached at (800) 972-3030. Representatives are available Monday through Friday, 7 a.m. to 8 p.m. and Saturday 8:30 a.m. to 5:00 p.m. Eastern Standard Time (EST). [redacted], please be assured that it was not our intention to cause you any hardship or frustration. You are valued customers 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 ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S. Office of the President Enclosure: Rules and Regulations booklet, Overdraft Solutions flyer, Overdraft Notices Pc: Revdex.com

[redacted] [redacted] [redacted] Date: February 16, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received your complaints sent to the Revdex.com and the Consumer Financial Protection Bureau...

regarding your checking account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. Please note that your Early Access probation will be lifted on February 26, 2016. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. However, we stand by the response conveyed to you in our previous letter sent to the above address on January 19, 2016. Our position on this matter has not changed. 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 call me at [redacted], or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W. Office of the President Enclosure: Previous Response Letter Pc: Revdex.com [redacted]

[redacted] Date: June 22, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received copies of the complaints you submitted to the Revdex.com and [redacted]...

[redacted] regarding your mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We strive to provide exceptional service to our customers, and I am sorry that was not your experience. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. However, we stand by the response that was conveyed to you in our previous letter dated May 25, 2017. I have enclosed a copy of that letter for your convenience. Our position on this matter has not changed. Since our previous response letter, you provided proof of flood insurance effective June 7, 2017. The lender-placed flood insurance policy covered October 3, 2016, to October 3, 2017. That means there was a lapse in coverage from October 3, 2016, to June 6, 2017. The premium charged by the insurer for the lender-placed insurance was $570.51. Therefore, a refund in the amount of $184.44 for the unused portion of the premium for the period June 7, 2017, to October 3, 2017, was issued by the insurer following termination of the lender-placed policy. This refund was credited to your escrow account on June 13, 2017. The requirement for an escrow account for the purpose of funding the disbursement of premiums for lender-placed insurance is no longer necessary because you obtained a flood insurance policy. After the refund of $184.44 was credited to your escrow account the remaining balance of $17.93 was disbursed to you on June 14, 2017. Your mortgage loan payment effective July 1, 2017, is $839.98. Thank you for your patience while we conducted our research. We value your business and 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 ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com, Consumer Financial Protection Bureau Enclosures: Previous Response Letter

September 25,
2014
[redacted]
Re: Checking
Account ending in [redacted]
Dear Mr. [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.
I understand your frustration when this
situation occurred and I am sorry for any inconvenience this matter may have
caused you. We strive to provide quality service to all of our customers, and I
apologize if you felt that we did not meet your expectations. I have shared the
information you brought to our attention with the management of the Financial
Center you visited. Additionally, our regional management regularly reviews
customer feedback as part of our ongoing commitment to improving our
operations.
Mr. [redacted], thorough research of our back
office systems for that day did find an encoding error on a deposit processed
by a customer service manager at a different financial center. As a result, you
temporarily were able to see a pending deposit in your account for $[redacted].
When the deposit paperwork was sent through our proof department that evening,
the deposit was adjusted to the correct account.
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 reversed fees totaling $[redacted]
on September 22, 2014, as a courtesy to you. Therefore, we are not willing to
waive additional fees at this time. As of September 22, 2014, your account has
a negative balance of -$[redacted].
We realize the importance
of being able to ensure easily that your account has sufficient funds to cover
the transactions you have authorized. To assist you with monitoring your
account, our toll-free Telephone Banking system is available twenty-four (24)
hours a day at [redacted]. Our Customer Service Representatives can be
contacted at the same telephone number and are available Monday through Friday
from 7:00 AM to 8:00 PM Eastern Standard Time (EST), and on Saturday from 8:30
AM to 5:00 PM EST. You can also access your account information at an ATM
(Automated Teller Machine), on our Internet Banking website at www.53.com, and on your mobile device through our
Mobile Banking service through 53.mobi. Additionally, an account alert can be
sent to up to four (4) e-mail addresses and one (1) mobile device when your
account balance falls below an amount you specify. We strongly encourage you to
take advantage of our account alerts. These can be setup through Internet
Banking at www.53.com.
It was certainly not our intention to cause you
any hardship or frustration. We appreciate your loyalty and relationship with
us and we look forward to serving your future financial needs. If I could be of
further assistance to you, please call me at [redacted]
Sincerely,
[redacted]
Consumer Resolution Specialist Office of the President

[redacted] Date: May 24, 2016 Account: [redacted] Regarding Your Fifth Third Bank Platinum [redacted] Dear [redacted]: We received a copy of the follow up complaint you filed with the Better Business...

Bureau, regarding your credit card account. We appreciate the opportunity to respond to this matter. The Bank received your original complaint on March 22, 2016. We received a duplicate complaint you filed with the [redacted] on March 30, 2016. We received your latest correspondence on May 18, 2016. However, we stand by the responses conveyed to you in the previous letters sent on April 1, 2016, and April 4, 2016. Our position on this matter has not changed. If a payment does not post by the due date, it is subject to collection activity. The Bank’s guidelines for contacting customers allow for telephone calls seven (7) days a week from 8:00 a.m. until 9:00 p.m., including holidays. Several calls may be placed each day in an effort to remind customers that a payment is due and to obtain payment arrangements to prevent late fees or derogatory credit bureau reporting. Please accept my sincere apology for any inconvenience or concern this situation may have caused you. Per your request, we have removed your telephone number from our systems. You will no longer receive telephone calls regarding the delinquent status of your credit card account. Please note that this does not stop other collection activity related to the delinquency, including late charges, finance charges, or reporting to the credit bureaus. Because you did not make the minimum payment due for your credit card statements dated December 6, 2015, and January 6, 2016, the Bank revoked your access to make transactions with your credit card on February 5, 2016. When a card is revoked, the customer will receive statements, and are responsible for making payments toward the balance. However, the Bank does remove your ability to make payments through our website, 53.com. If you would like to make payment arrangements for your credit card, please contact our collection department at ###-###-####. A collection agent is available to assist you, Monday through Friday, 8 a.m. to 9 p.m.; Saturday and Sunday 8 a.m. to 5 p.m., ET. Please note, the collection department will be able to schedule three (3) future payments; however, they are not able to schedule a long-term recurring payment. Thank you for your patience while waiting for a response. We sincerely hope this information will help you understand our position going forward. 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 Responses

[redacted] [redacted] [redacted] [redacted] Date: November 2, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com concerning the monthly...

service charges on your Fifth Third Bank Essential Checking account. Please be assured that the 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 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. We regret the frustration you felt after discovering fees had been charged to your Essential Checking account ending in [redacted]. According to our research, your checking account was changed from an e53 Checking account to an Essential Checking account on October 22, 2012. I have enclosed information about the Essential Checking account for your review. On an Essential Checking account, we waive the monthly service charge of $11.00 if any of the following is met: ? You maintain a combined monthly average of $1,500.00 across your checking and savings accounts ? OR you are a current or former member of the U.S. military with monthly direct deposits totaling $500.00 or more ? OR you participate in your employer’s Fifth Third Banking Benefits Program with monthly direct deposits totaling $500.00 or more ? OR you are a student with a valid student ID Otherwise, the service charge is $11.00 per month, unless your account receives monthly direct deposits totaling $500.00 or more, in which case we reduce the monthly service charge to $8.00 per month. Your account did not begin receiving the $11.00 monthly service fee until February 2015, due to your account balance staying above the $1,500.00 minimum until that time. Information regarding these changes was sent to you at the time your account was updated. In addition to the information given at the time of your account conversion, your monthly statements, which are viewable on 53.com, each state the reason for the waiver or charge of the monthly service fee. Although we regret any misunderstanding that may have occurred throughout this process, we cannot waive further maintenance fees on this account. In the time period prior to your account update, we encouraged you to choose the checking product that that would best meet your needs after a review of your accounts with one of our Bankers. At that time, the Bank serviced more than thirty (30) checking and savings account types. Each account had different features and rules that governed them. In order to simplify the management of the accounts and to provide more flexibility and a clearer understanding to all of our customers, we restructured our deposit products. We understand that many of our customers enjoyed the features of the older account types that we offered. However, based on our research, we believe that our now current products have met the needs not only of our existing customers, but have appealed to a broader base of consumers. [redacted], 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 Starkey Office of the President Enclosure: Essential Checking Information

[redacted] Date: November 30, 2016 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed 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. We strive to provide quality service to all of our customers and I am sorry for your unsatisfactory experience during your previous attempts to resolve this matter. Please be assured we have researched this matter fully, and passed your concerns on to the relevant parties within the Bank. You opened the Essential Checking Account ending in [redacted] on July 12, 2016, in order to take advantage of a promotion where the new account would receive a credit of $200.00 if the qualifying activity criteria were satisfied. The qualifying activity included setting up direct deposit and making three (3) online bill payments using Fifth Third Bank’s online bill payment service within ninety (90) days of opening the account. I have enclosed an example of the terms and conditions listed on the promotional material. Because the online bill payment requirement was not satisfied, the account does not qualify for the $200.00 promotional bonus. I regret that you found the process of setting up a payee in our online bill payment service difficult. In order to add a payee through the mobile app, please follow these steps: 1. Log into the mobile banking app; 2. Select the MENU ICON located in the top left corner of the screen; 3. Click PAYMENTS; 4. Click the ADD PAYEE icon (envelope with a plus sign) located in the top right corner of the screen; 5. Select ADD PAYEE; 6. Enter the Payee Name; a. If the Bank has a relationship with the payee, suggested matches will appear. Select the correct payee address from the list. 7. Enter your Account Number; 8. Enter the address of the Payee, if required; 9. Click ADD located in the top right corner of the screen; 10. The next screen displayed will be the NEW PAYMENT screen where you can initiate a payment to the new payee. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. 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: Revdex.com Enclosure

Attached is a copy of our response to the complaint filed by Ms. [redacted].We received a copy of the complaint you filed with the Revdex.comdated November 21, 2014, concerning the above referenced checking account.  We appreciate the time you have taken toexpress your thoughts and...

concerns regarding this matter.  On behalf of the Bank, please accept mysincere sympathy on your mother’s passing. We strive to provide professional and accurate service to our customers and I amsorry if that has not been your experience. Customer service is of the utmost importance to all of us at Fifth ThirdBank and we appreciate your feedback as it assists us in identifying problemsin an effort to continuously improve the service we provide our customers.  Please be assured that we have contacted therelevant parties to express your dissatisfaction with the service you receivedand passed on your concerns.We understand how important it is to our customers that private information iskept confidential.  We are committed toprotecting and managing your information. Fifth Third does not disclose nonpublic personal information about ourcustomers to non-affiliated third parties except as permitted by law.  I have enclosed a copy of the Bank’s Rulesand Regulations booklet which outlines the Bank’s Privacy Policy for ConsumerInformation.  Please refer to pages 32and 33 for information regarding the Bank’s Privacy Policy.  Because you were the Power of Attorney (POA) for your mother and that status ceasedwhen your mother died, we were unable to close her checking account when yourequested that we do so.  It is myunderstanding that the financial center advised you that the account could onlybe closed after your mother’s death by the person whom she had designated asthe Payable on Death (POD) recipient of the account.  Our records reflect that the POD was listedon the signature card, dated, November 1, 2012, and was signed by you acting asthe POA for your mother.  Please be advised that the checking account is closed. A service charge of $.94 was reversed on November 20, 2014 and theaccount was closed with a zero balance on the same date.    I can assure you that it was not our intention to cause you any frustration.  On behalf of the Bank, please accept mysincere apology for any inconvenience or concern that this matter may havecaused you.  If I could be of furtherassistance to you, please call me at [redacted] or toll free at [redacted]
[redacted]Sincerely,[redacted]
[redacted]ConsumerResolution SpecialistOfficeof the President  [redacted]
[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.   Fifth Third did not address my complaint, they only explained why the overdrafts occurred which on my side is incorrect. I have attached the letter we received on March 18, 2017 where it states we have until 9:00PM that day to correct the overdraft. The fees I am complaining about were all fixed in the correct amount of time.  For example, on May 4th, I physically went online to my pay my car insurance with Farmers but Fifth Third is showing that I paid it the 3rd so I was given a fee. I didn't pay it the 3rd, I paid it the 4th. As stated in my initial letter, I tried to explain this to the customer service rep and they were rude and very unprofessional.
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. I was contacted and told that the hold was because my account was new and that when I deposited my next check this would not be an issue. Believing that they were being honest I did go ahead a deposit my next check from the same job same issuing bank and guess what once again I'm being told my check is on hold for yet another 2 weeks this account has put me in a bad position with obligations I have to pay I've got late fees and my car insurance almost cancelled because I'm unable to get to my funds to pay my bills . If they were honest that would have been nice but the representative lied and nothing got resolved.
Regards,[redacted]

[redacted] Date: April 18, 2017 Account: [redacted] Regarding Your [redacted] Credit Card Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your attempts to...

access your [redacted] Credit Card at an Automated Teller Machine (ATM). 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 experienced while attempting to use your [redacted] Credit Card ending in [redacted] at an ATM. Please be assured that we researched this matter thoroughly 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. After conducting a thorough review, we determined that your Personal Identification Number (PIN) was not successfully reset when you first contacted the Bank because the previous bad PIN attempts were not properly cleared from your account before you reset your password. We deeply regret that we were unable to resolve your concerns when you first contacted the Bank. Our research also determined that your PIN was successfully reset when you visited the [redacted] Banking Center on April 7, 2017, and you were successfully able to access your [redacted] Credit Card at an ATM later that same day. It was certainly not our intention to cause you any hardship. However, we are unable to provide you with any compensation. Thank you for your patience while we conducted our research. 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 ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

Account still has overdraft charges.

[redacted] Date: August 17, 2016 Account: [redacted] Regarding Your Credit Bureau Reporting Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com regarding the information on your credit report. We appreciate the additional time you have taken to document your thoughts and concerns in this matter, and we sympathize with the difficulties you have experienced. On July 28, 2016, we received your original complaint filed with the Revdex.com. On August 5, 2016, we received a copy of your follow up complaint filed with the Revdex.com. However, we stand by the response conveyed to you in the previous letter we sent on August 3, 2016. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. On April 15, 2016, you contacted our customer service department to inquire about the credit bureau reporting for your account. You were transferred to the bankruptcy department, who informed you that the Bank would send a request to the credit reporting agencies to update the credit bureau reporting. Although this request was submitted to the credit reporting agencies, we are unable to dictate what information the credit reporting agencies will report. As noted in our prior correspondence, the mortgage loan was included in your Chapter 13 Bankruptcy filed on September 14, 2007. The Bank is not permitted to report payment information during the bankruptcy. Your bankruptcy was discharged in September 2012. Our review of the information provided to the credit reporting agencies determined the Bank did begin reporting your account information in 2013. However, [redacted] and [redacted] elected not to update the reporting for the account due to the bankruptcy and the time during which the reporting was suspended. As mentioned in our prior response, [redacted] is reporting your mortgage loan information. Please note, the Bank is unable to change the decision of [redacted] and [redacted] not to report your mortgage loan. If you would like to contact the credit reporting agencies directly, their contact information is provided below for your convenience: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### I hope this correspondence addresses any outstanding questions you may have had related to this issue. We truly value your business, and we look forward to continuing to serve your financial needs. 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 Enclosure: Prior Response

[redacted] Date: August 9, 2016 Account: [redacted] Regarding Your Business Elite Checking Account Dear [redacted]: We received a copy of the complaint you submitted to 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. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. To maintain the security of your account, I am sending this letter to the address we currently have on record for you. I noticed that the return address you listed on your complaint is different. I encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updated. To prevent an overdraft situation, you have the ability to review your account at an ATM (Automated Teller Machine), on our website at 53.com, through mobile banking, or by calling our Business Banking Customer Service Department at ###-###-####. Our toll-free Telephone Banking system is available twenty-four (24) hours and Customer Service Representatives can be contacted at the same telephone number. They are available Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m. ET. If a business account becomes overdrawn, we assess a $37.00 overdraft fee for each item that posts while the account is overdrawn. The fee posts the following business day. Per-item overdraft fees are not assessed if your account is overdrawn by $5.00 or less at the end of the business day. The account will not be charged for more than ten (10) items per business day. An overdraft notice that details how your account became overdrawn is sent to the address on file and is also available on 53.com. If there is not enough money in the account at the end of the day to cover all of your activity, then we consider transactions in the following order: ** Start with the balance from the prior business day. ** Add in credits and deposits, made prior to end of day cut-off time, per our Funds Availability Policy. ** Deduct posted time stamped debits, such as debit card transactions and ATM withdrawals, in order from oldest to most recent. ** Deduct posted batch debits, such as checks and electronic bill payments, in order from largest amount to smallest amount. ** Deduct fees and service charges. Information regarding how we process credits and debits is available in our Rules and Regulations booklet and our policy is to provide all new account holders with a copy of this handbook at account opening. I have enclosed a copy for your reference. Pages six (6), eleven (11) and twelve (12) give additional detailed information about the order in which we process credits and debits to your account. As the account holder, you are in the best position to know what checks are outstanding on the account. Checks and Automatic Clearing House (ACH) debits will not show as pending against your account during the day because these transactions are posted during our overnight processing. You recently set up Low Balance Alerts through your online banking access. Please be aware that if the account falls below the specified balance amount during overnight processing, you will receive the alert the next day. In response to your concerns, please note that applications for credit are subject to our standard credit review and approval process. Please note that funds on deposit are not typically considered during the loan application process unless the funds are being used to secure the loan. For more information about the lending solutions available for small businesses, please visit our website, 53.com; call ###-###-#### to speak with a sales advisor; or visit your local Financial Center. Since February 1, 2016, this checking account has been overdrawn fourteen (14) times. Please be assured that it is not our intention to cause you any hardship and I apologize for any inconvenience you may have experienced. In appreciation of your banking relationship with us, we have credited your account for $74.00 in overdraft fees. I appreciate this opportunity to address your concerns. Please know that our executive management regularly reviews customer feedback as part of our commitment to improving our operations. 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 Enclosure: Rules and Regulations booklet

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 issue is still open and not closed per their response. This needs to stay open until the issue is resolved.
Regards,
[redacted]