Fifth Third Bank

9/2=[redacted] called to explain that she rejected the business' response because she feels the business needs to handle this complaint as a fraud case since that is what it is. They weren't "pending charges". They were back-to-back charges that happened within minutes of each other after her initial purchase. She pointed this out to the business already and they, too, saw it as a fraud case. She did not make the four purchases after her initial online purchase.(3:25)

[redacted] Date: September 20, 2016 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com regarding your mortgage loan. 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 August 31, 2016, and September 8, 2016. I have enclosed a copy of our previous written responses for your review. Our position on this matter has not changed. As mentioned in our prior response, an escrow account was established for the mortgage loan ending in [redacted]. The parcel number associated with your mortgage loan is [redacted]. Because the Bank does not have a mortgage loan associated with your property located at [redacted], in [redacted], [redacted], the Bank is unable to have an escrow account for that property. A mortgage loan for a different property cannot be used as an escrow account to pay taxes and insurance for an unassociated parcel. Escrow payments can only be processed for the collateral property. 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

[redacted] Date: November 23, 2015 Account: [redacted] Regarding Your Business Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your...

business checking account with Fifth Third Bank. We appreciate the time you have taken to share your thoughts and concerns regarding this matter. On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that we have contacted the relevant parties to fully research your account and passed on your concerns. On October 23, 2015, your business checking account balance was positive $3.93. One (1) debit from [redacted] in the amount of $424.48 posted to your account. Your ending account balance was negative ($424.48). Since your account balance was not sufficient to cover this transaction, your account was charged one (1) overdraft fee of $37.00 on the next business day. Our records indicate that this overdraft fee was waived by the Bank on June 26, 2015. On October 25, 2015, your account balance was negative ($33.07). One (1) debit from [redacted] in the amount of $629.28 posted to your account. Your ending account balance was negative ($628.28). Your account was charged one (1) overdraft fee of $37.00 on the next business day. Our records indicate that this overdraft fee was waived on June 29, 2015. On October 30, 2015, your account balance was negative ($34.77). One (1) debit from [redacted] in the amount of $644.08 posted to your account. Your ending account balance was negative ($742.85). Since your account balance was not sufficient to cover this transaction, your account was charged one (1) overdraft fee of $37.00 on the following business day. During the following fifty (50) days, your account remained in a negative state while additional overdraft fees were being charged. Unfortunately, no deposits were made to your account to return the account to a positive or zero balance. As a result, your account was charged off for $319.77 on August 18, 2015. Please be assured that this account was not sent to a collection company and will not be reported to the credit reporting agencies as a charged off account. All overdraft fees were waived when the account was closed. Therefore, we are unable to waive any overdraft fees on the account, as you have requested. Thank you for your patience while we researched this matter for you. You are a valued customer, and we look forward to servicing your financial needs in the future. If I may 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, Lisa S.Consumer Resolution Specialist Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
They eventually closed a loan for $85,000 after giving me a written commitment for $115,000.  I have written signed commitment for $115,000 and that is what I want to resolve this issue.  They had all the documentation they needed for at least 30 days before giving me that commitment nothing was concealed and my financial situation remained unchanged, in fact it improved since over the 3 months of process I paid off debt.I appreciate the response from Fifth Third but I feel it doesnt represent the situation correctly. In computing my income the application states my gross annual income was $1464-I gave proof with 1099 form that the income was actually $10,666.  Fifth Third as part of debt calculation used a pay-off amount of $18,332 from [redacted] Financial-I lease I am not buying the car my total debt was $4353. They included the residual value of the car as debt as if I bought the car, I have no intention of buying the car.In computing my income it appears even though the application clearly states "Gross Annual Income" they used my net business income.  I am self-employed and file a schedule c where I can deduct business expense-one of the main deductions I have is the lease on my car since I use it about 80% for business purposes-so it appears to me that I had the lease included as part of my debt than had my income reduced by the amount of the deduction I took for the leased auto,  In effect this was a double hit to my debt to income ratio, it remained part of my debt and my income was reduced to the extent I could deduct it, which to me is incorrect.My compliant to me has not been resolved.  I think their response while I appreciate it does not represent the situation in its entirety-I have a written commitment from them which I feel is contractual in nature and they have breached that contract.

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'm not seeing a new response here.
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.
The resolution I requested was to have the policy changed or at minimum to have an EXECUTIVE call me to explain why this policy is customer friendly.  
 
Fifth-Third's response was to explain the policy to me and why I wasn't compliant.  That information, I had already figured out.
 
In no way, did the customer relations manager explain how this practice is customer friendly.  
All it did was reinforce to me how this practice is predatory to the consumer.
 
It is a true statement on the banking system today.
Regards,
[redacted]

November 25, 2014[redacted]
[redacted]
Re: [redacted] Transfer November 6, 2014Dear Mr. [redacted]We have received a copy of the complaint you filed with the Revdex.com regarding a recent Fifth Third Bank [redacted] transfer. Thank you for the time you have taken...

to document your thoughts and concerns. We appreciate the opportunity to respond to this matter, and we sympathize with the difficulties you have experienced.On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced. Please be assured we have contacted the relevant parties to research this matter fully and passed on your concerns. We strive to provide professional and accurate service to our customers and I am sorry if this was not your experience.On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced. 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction.[redacted] is a service offered to Fifth Third Internet Banking customers that allows customers to send money without checks or cash. This service lets customers “Pay Other People” [redacted]) by sending money to a person using that person’s email address, mobile telephone number, or bank account information. Many customers appreciate [redacted] as a safe and convenient alternative to cash or writing checks using their existing Fifth Third checking accounts. Our records show that on November 6, 2014 you requested $3,200 from First [redacted] to be sent as a [redacted] Standard Transfer to your Fifth Third Bank checking account ending in [redacted] As stated in the [redacted] Help Topic section of 53.com, Standard Transfers take three (3) business days to settle after the transfer request, while Next-Day Transfers reach the destination account by the next business day. Your transfer followed the stated schedule, with the debit from First [redacted] occurring on November 7, 2014, and the credit to your Fifth Third Bank checking account ending in [redacted] occurring on November 12, 2014.  Due to Veterans Day falling on November 11, 2014, the third business day for this transaction was November 12, 2014.Our records show that when this transfer was initiated you were in an introductory period for using [redacted], in which you are able to send money for free, please note for future reference that there are fees for using [redacted]. The fees for sending money using [redacted] are $.99 for Standard Delivery and $2.99 for Expedited Delivery.Mr. [redacted] thank you for your patience while you waited for a response. We appreciate your business and look forward to serving your financial needs in the future. If I may be of further assistance to you, please call me directly at ###-###-#### or toll free at ###-###-####.Sincerely, [redacted]     November 25, 2014  [redacted]1402 106th Avenue Otsego, MI 49078  Re: [redacted] Transfer November 6, 2014  Dear Mr. Maxwell, We have received a copy of the complaint you filed with the Revdex.com regarding a recent Fifth Third Bank PopMoney transfer. Thank you for the time you have taken to document your thoughts and concerns. We appreciate the opportunity to respond to this matter, and we sympathize with the difficulties you have experienced. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced. Please be assured we have contacted the relevant parties to research this matter fully and passed on your concerns. We strive to provide professional and accurate service to our customers and I am sorry if this was not your experience. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced. 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. [redacted] is a service offered to Fifth Third Internet Banking customers that allows customers to send money without checks or cash. This service lets customers “Pay Other People” [redacted]) by sending money to a person using that person’s email address, mobile telephone number, or bank account information. Many customers appreciate [redacted] as a safe and convenient alternative to cash or writing checks using their existing Fifth Third checking accounts.  Our records show that on November 6, 2014 you requested $3,200 from First [redacted] to be sent as a [redacted] Standard Transfer to your Fifth Third Bank checking account ending in [redacted] As stated in the [redacted] Help Topic section of 53.com, Standard Transfers take three (3) business days to settle after the transfer request, while Next-Day Transfers reach the destination account by the next business day. Your transfer followed the stated schedule, with the debit from First [redacted] occurring on November 7, 2014, and the credit to your Fifth Third Bank checking account ending in [redacted] occurring on November 12, 2014. Due to Veterans Day falling on November11, 2014, the third business day for this transaction was November 12, 2014. Our records show that when this transfer was initiated you were in an introductory period for using [redacted], in which you are able to send money for free, please note for future reference that there are fees for using [redacted]. The fees for sending money using [redacted] are $.99 for Standard Delivery and $2.99 for Expedited Delivery. Mr. [redacted] thank you for your patience while you waited for a response. We appreciate your business and look forward to serving your financial needs in the future. If I may be of further assistance to you, please call me directly at (513) 358-1320 or toll free at ###-###-####. Sincerely, [redacted]Consumer Resolution SpecialistOffice of the President    November 25, 2014  [redacted]1402 106th Avenue Otsego, MI 49078  Re: [redacted] Transfer November 6, 2014  Dear Mr. Maxwell, We have received a copy of the complaint you filed with the Revdex.com regarding a recent Fifth Third Bank PopMoney transfer. Thank you for the time you have taken to document your thoughts and concerns. We appreciate the opportunity to respond to this matter, and we sympathize with the difficulties you have experienced. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced. Please be assured we have contacted the relevant parties to research this matter fully and passed on your concerns. We strive to provide professional and accurate service to our customers and I am sorry if this was not your experience. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced. 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. [redacted] is a service offered to Fifth Third Internet Banking customers that allows customers to send money without checks or cash. This service lets customers “Pay Other People” [redacted]) by sending money to a person using that person’s email address, mobile telephone number, or bank account information. Many customers appreciate [redacted] as a safe and convenient alternative to cash or writing checks using their existing Fifth Third checking accounts.  Our records show that on November 6, 2014 you requested $3,200 from First [redacted] to be sent as a [redacted] Standard Transfer to your Fifth Third Bank checking account ending in [redacted] As stated in the [redacted] Help Topic section of 53.com, Standard Transfers take three (3) business days to settle after the transfer request, while Next-Day Transfers reach the destination account by the next business day. Your transfer followed the stated schedule, with the debit from First [redacted] occurring on November 7, 2014, and the credit to your Fifth Third Bank checking account ending in [redacted] occurring on November 12, 2014. Due to Veterans Day falling on November11, 2014, the third business day for this transaction was November 12, 2014. Our records show that when this transfer was initiated you were in an introductory period for using [redacted], in which you are able to send money for free, please note for future reference that there are fees for using [redacted]. The fees for sending money using [redacted] are $.99 for Standard Delivery and $2.99 for Expedited Delivery. Mr. [redacted] thank you for your patience while you waited for a response. We appreciate your business and look forward to serving your financial needs in the future. If I may be of further assistance to you, please call me directly at (513) 358-1320 or toll free at ###-###-####. Sincerely, [redacted]Consumer Resolution SpecialistOffice of the President

[redacted] 
[redacted] Date: August 2, 2016 Account: [redacted] Regarding Your Credit Card Account Dear [redacted]: We received a copy of the complaint that you filed with the Revdex.com concerning...

the information reporting on your credit report for your account. We appreciate the time you have taken to document your concerns. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to assist you. We have completed our review of the payment history being reported for your account and determined it is accurate. Specifically, no payments posted to the account for the May, June, or July payments. You brought the account current with your payment of $360.00 on July 26, 2016. The payment address you referred to within your complaint is correct and is the same one listed on the monthly account statement. If you have retained copies of the returned envelopes, we would appreciate the chance to review them further. Please forward that paperwork to the following address: Fifth Third Bank 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati, OH 45263 You can also fax this information to my attention directly at ###-###-####. Our Collection Department begins making calls to customers when a payment is not received by the due date. They are a failsafe the Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. Several calls may be placed each day; however, a message is not left with every call. Our records indicate that our attempts to reach you at the telephone numbers on file were unsuccessful. We regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to remove prior unfavorable reporting. If you would like to contact the credit reporting agencies directly, their contact information can be found below: Equifax ###-###-#### Experian ###-###-#### TransUnion ###-###-#### Innovis ###-###-#### We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this matter may have caused 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

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.]
5/3rd states that I did not come to the branch to pick up the card. Their "customer service" told me, I'm assuming on a recorded line, that the card was being mailed to me. Another in a long list of lies. They also lied about the order of the charges - I have the proof from [redacted] about the order in which they were actually made. I will be closing my account with them and pursing this matter further. Theft is theft even when your name is 5/3rd. 
Regards,
[redacted]

[redacted]    Date: October 15, 2015 Account:     [redacted] Regarding Your Checking AccountDear [redacted]: We received a copy of 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. We make every effort to ensure that check items deposited to your account get posted properly. On September 12, 2015, you deposited a check to your checking account ending in [redacted] in the ATM (Automated Teller Machine) located at 8007 Calumet Avenue. The check was in the amount of $1,237.51 made payable to [redacted] & [redacted]. Since [redacted] is not a signer on your checking account, this deposit was rejected and your checking account was debited $1,237.51 on September 14, 2015. We regret the inconvenience this may have caused you. The reason this deposit was adjusted was because one of the payees listed on the check was not listed on the account that was credited. In a case like this, when a payee wishes to deposit a check into an account in which they are not a signer, that payee must be present in the banking center with valid identification. By depositing a check into an account the payee is not on, they will have no access to the funds once deposited and we must ensure this is the true intent of the payee. According to our Rules and Regulations handbook, page ten (10), section eight (8), that you received and agreed to at account opening, we reserve the right to refuse to accept a deposit at any time. I have enclosed a copy of our Rules and Regulations handbook for your review.I regret any misinformation that you may have received regarding our procedures related to rejected ATM deposits. At one time, the checks involved with an adjusted ATM deposit may have been mailed back to the branch. However, the processing of ATM deposits has changed in recent years. Bank employees no longer manually process ATM deposits. Therefore, any negotiable items that may be rejected are mailed to the address listed on the account. I apologize if you were told otherwise. According to our records, you re-deposited the check for $1,237.51 on September 18, 2015. As a valued customer, on September 24, 2015, we reversed a total of $111.00 in overdraft fees that were charged to your account. Therefore, we are unwilling to waive any additional overdraft fees on your checking account, as you have requested. We sincerely appreciate your feedback as it assists us in delivering first class customer service which is a priority to us. We value your opinion and we hope that you will continue using Fifth Third Bank for your financial needs in the future. If I may be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, 8 a.m. to 6 p.m., ET.Sincerely,Lisa S.Office of the PresidentPc: Revdex.comEnclosure: Rules and Regulations handbook

[redacted], Apt. 10 [redacted] Date: September 15, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received your additional 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. We have reviewed your additional concerns regarding the stop payment placed on the transaction to [redacted] for $295.72. After reviewing the recorded call from the time the stop payment was placed, we determined that the employee who assisted you did communicate that a stop payment on an automated clearing house (ACH) transaction could not be guaranteed. In addition, the employee you spoke with advised you that you could also work out alternate payment arrangements with [redacted]. Your additional correspondence mentioned that you did not receive a copy of the Rules and Regulations Applicable to all Fifth Third Consumer and Business Banking Accounts and Cards. After reviewing your checking account, we noted that your account was opened through our Internet website 53.com. When opening an account online through our Internet website, a welcome packet is sent to the address listed on file for the account within five (5) to ten (10) business days. This welcome packet includes all of the pertinent account documentation, including the Rules and Regulations Applicable to all Fifth Third Consumer and Business Banking Accounts and Cards. As we have confirmed that the appropriate information and documentation was provided to you, and we have already waived an additional overdraft fee of $37.00 in the interest of customer service, we have determined that nothing further is due to be refunded to you. We apologize for any difficulty or concern this may have caused you. We strive to provide professional and accurate service to our customers, and again I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at 616-653-9156, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W.Office of the President Pc: Revdex.com

I would like to be compensated for the numerous hours I spent trying to resolve this and the fact that it took 13 months to resolve. A refund of the money owed to me is not sufficient.

[redacted]Date:
June 22, 2015Account:     [redacted]Regarding Your Essential
Checking AccountDear
[redacted],We received a copy of the
complaint you filed with the Revdex.com concerning 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
concerns are reviewed by our senior and executive management teams as part of
our ongoing commitment to improving our customers’ satisfaction.To maintain the security of your account, I am sending this letter
to the mailing address we currently have on record for you. I noticed that the
address you use in your complaint is different. According to our security
protocols, I cannot update your mailing address based upon your complaint. I
encourage you to call customer service to make sure your address is properly
updated. They can be reached at ###-###-####, Monday through Friday, 7 a.m. to
8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET.We completed our review of the Essential Checking account ending
in [redacted], and the transaction you are
requesting to dispute from [redacted] that posted to your account on June 15,
2015, in the amount of $528.29. In our review of your phone calls with the
Bank, you mentioned that [redacted] billed you for an early cancellation fee and
non-returned equipment. As previously communicated to you, in order to dispute
this transaction, you would need to return the equipment to [redacted]. Once the
equipment has been returned to the merchant, you can contact our Disputes
Resolution Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.,
and Saturday 8:30 a.m. to 5 p.m., ET. Please note, as referenced in your
complaint, and previously communicated to you, the Bank does not have a
contract with [redacted] that is preventing you from disputing the transaction. I
am sorry for any misinformation you may have received.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.[redacted]Office of the President

[redacted]. Attn: [redacted] Date: March 28, 2016 Account: [redacted] Regarding Your Fifth Third Bank Business Standard Checking Account Dear [redacted]: We received a copy...

of the complaint you submitted 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 any inconvenience this matter may have caused 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: 1. Credits and deposits made prior to the end of day cut-off time as detailed in our Funds Availability Policy. 2. Time-stamped debits, such as ATM withdrawals and debit card purchases, in the order in which they are received. 3. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. 4. 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 twelve (12) provides additional information regarding our overdraft calculation order. On January 8, 2016, the beginning balance in your Business Standard checking account ending in [redacted] was positive $2,271.16. Four (4) debits totaling $2,562.69 posted to your account. Based upon the transaction posting order explained above, these items were posted to your account in the following order: 1. Web Initiated payment of $700.00 (Paid) 2. Debit card purchase of $7.79 (Paid) 3. Debit card purchase of $4.90 (Paid) 4. Check number 20011 in the amount of $1,850.00 (Paid) Additionally, Page eighteen (18) of our current Rules and Regulations provides information regarding our Funds Availability Policy for business accounts. Up to $200 of the total of your check deposits for the day made in any manner (including branch, ATM, etc.) will be available to you on the first business day after the day we receive your deposit. The remaining funds will be available no later than the second business day after the day we receive your deposit. I have enclosed a copy of the overdraft notice sent to you on January 11, 2016. Your ending balance was negative ($291.53). Also on January 11, 2016, the ACH deposit in the amount of $627.00 was received. We regret any misunderstanding that may have occurred regarding the date of this deposit. In the interest of customer service the $37.00 late fee you received associated with this matter was reversed March 28, 2016. Please note that you have the option to establish an overdraft protection account that would be linked to your business checking account. Overdraft protection automatically transfers funds from a Fifth Third Bank savings account, checking account, credit card, or equity line to cover items that may overdraw your checking account. There is a $12.00 fee per transfer if funds are transferred from your overdraft protection account. Please note that the linked account for overdraft protection must have the same primary account holder and Tax Identification Number (TIN) or Social Security Number (SSN) as the business checking account being protected. For additional information about overdraft protection please see page thirteen (13), section fourteen (14), of the Rules and Regulations. In addition, page seven (7) of the Rules and Regulations discloses the fee per transfer. Thank you for your patience while we researched this matter for you. 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 at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S. Office of the President Pc: Revdex.com Enclosures (2): Rules and Regulations Overdraft Notice

[redacted]Date: April 8, 2015 Account: [redacted]Re: Charged-off Checking Account Dear [redacted]:We received a copy of your complaint filed with the 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.On July 28, 2014, you submitted an online
application via our website at 53.com for a Fifth Third [redacted] checking
account. Additionally, you included with your application that you wanted to
sign up for our Fifth Third Identity Alert program. While processing your
application, we verified that there was information for you listed with
[redacted] and as a result of that information, we were unable to approve you
for the [redacted] checking account. Please note that we are unable to advise
what information was listed with [redacted] that caused your application to be
denied. If you would like further information about what is listed in your name
with [redacted], please contact [redacted] directly at ###-###-####. The
email you included with your complaint was our email that advised you this
application was declined.After your application for an [redacted] checking account was
declined, we received a second (2nd) online application that same
day for a Fifth Third Basic checking account. We offer the Basic checking
account to customers who have [redacted] information reported and subsequently
are not eligible for any of our other checking account products. You also
elected to sign up for Fifth Third Identity Alert with the second (2nd)
application, for which there is a $6.00 monthly fee. You agreed to the terms of
the account online and your checking account ending in [redacted] was opened the same
day. Enclosed is a copy of your signature card that you electronically signed
to open the account.Our records indicate that you never made a
deposit into your checking account. However, because you enrolled in Fifth
Third Identity Alert, the first (1st) $6.00 monthly fee for the
program processed on your checking account on August 28, 2014. Because there
were insufficient funds to cover the transaction, the transaction was returned
as unpaid and a $25.00 returned item fee was assessed. Fifth Third Identity
Alert will attempt to reprocess a returned transaction a second (2nd)
time. The $6.00 processed again for the month of August 2014 on September 2,
2014. The item was again returned as unpaid and a $37.00 returned item fee was
assessed. Enclosed for your reference is a copy of the Rules and Regulations
Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards.
A link to this document was provided to you
online when you applied for your checking account. Page two (2) provides
additional information regarding the returned item fees that were assessed to
the account.Fifth Third Identity Alert attempted to process the $6.00 monthly
fee for September 2014 on September 26, 2014, and September 29, 2014. Both
transactions were returned as unpaid and a $37.00 returned item fee was
assessed each time. Additionally, the Basic checking account has an $11.00
monthly service charge. A copy of the Basic checking account brochure is
enclosed for your review. The monthly service charge debited from your checking
account on September 19, 2014, and October 21, 2014. Please note that we do not
charge overdraft fees on Bank fees. No overdraft fees were assessed for the
monthly service charges.On October 21, 2014, the balance in your checking account was
negative ($158.00). Enclosed for your review are all of the account statements
and overdraft notices that were generated for your account. Please note that
when you opened the account on July 28, 2014, you opted to receive your
statements online only. For this reason, we did not send you paper statements
or notices. However, because you did not log into our website within sixty (60)
days to confirm you wanted paper statements, we changed your selection
automatically to mail all of your statements and notices to the address listed
above. Beginning on September 27, 2014, your statements and overdraft notices
were mailed to you. Due to the continuous negative balance in your checking
account, we closed the account on October 22, 2014. We assessed a $30.00
charged-off account fee, charged off the new balance of negative ($188.00), and
sent the balance owed to [redacted] for collection.We verified that the entire charged-off balance was comprised of
Bank fees. For this reason, in the interest of customer service, we have
contacted [redacted] to cancel the charge-off. As a result, your Fifth Third
Bank checking account is no longer listed with [redacted]. We also waived the
$188.00 balance owed to the Bank. As of April 6, 2015, you do not owe any funds
to Fifth Third Bank for this account. Please note, however, that there is
information listed with [redacted] from another company as advised in our
email to you regarding your first (1st) checking account
application. Please contact [redacted] directly to verify what other
information they have listed for you.We appreciate your patience while we researched this matter. If I
can be of any further assistance, please call me at ###-###-####, 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.comEnclosure: Statements, Overdraft Notices, Signature Card, Rules
and Regulations, Basic Checking Account Brochure

[redacted] Date: March 22, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com concerning your mortgage loan. We appreciate...

the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. During our telephone conversation on March 15, 2017, I explained that your full or total monthly mortgage loan payment of $921.94 is due on first (1st) day of each month. Your loan has a payment grace period of fifteen (15) days. Although the loan payment is considered late if it is not received by the payment due date, as long as we receive your payment within the payment grace period, a late payment fee will not be assessed. Since your loan payment is considered late if your payment is not received by the payment due date, the loan is subject to collection activity when the payment is not received by the payment due date. Our Collections Department begins making calls to customers when a payment is not received by the due date. The Bank’s guidelines for contacting our customers allow for telephone calls seven (7) days a week from 8 a.m. to 9 p.m., including holidays. Our Collections Department may make several calls each day in an effort to inform you of the past due payment and to make payment arrangements with you. Calls from our Collections Department are a failsafe that Fifth Third Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. They are certainly not intended to cause you any hardship or frustration. Also during our telephone conversation on March 15, 2017, I explained that you could stop calls from our Collections Department if you wish. To do so, please send a signed letter requesting a cease and desist. The letter must state that you would like Fifth Third Bank to cease and desist any further attempt to collect on your mortgage loan. You can send the letter to the following address: Fifth Third Bank Office of the President Attn: Adam P.5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati, Ohio 45263 Alternatively, you can request a cease and desist verbally by calling our Collections Department at ###-###-####, Monday through Friday, 8 a.m. to 9 p.m., ET, Saturday to Sunday, 8 a.m. to 5 p.m., ET. I also want to take this opportunity to ensure that you are aware that the Bank offers several payment options for making your mortgage loan payments. These options are outlined on your monthly mortgage loan statements. For your review and convenience, a copy of your mortgage loan statement dated March 14, 2017, is enclosed. Page two (2) of the enclosed mortgage loan statement outlines all of the payment options available. If you have any additional questions or concerns regarding your mortgage loan, please contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET. Alternatively, you may contact me directly at the telephone number provided in this letter and I will be happy to assist you. [redacted], thank you for your patience while waiting for a response. 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 call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President Enclosure (1): Mortgage Loan Statement Dated March 14, 2017 2

[redacted] Date: October 2, 2015 Account: [redacted] Regarding Your Business Debit [redacted] and Business Checking Account Dear [redacted]: We received a copy of your rebuttal recently filed with the...

Revdex.com. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please accept my sincere apology that our prior responses did not answer all of your questions or resolve this issue to your satisfaction. On April 15, 2015, a purchase was processed on your business debit card with a company called [redacted] in the amount of $1,333.20. On May 14, 2015, you filed a dispute for this purchase, indicating that you did in fact sign up with [redacted]; however, the charge for $1,333.20 was not authorized by you and you did not receive goods or services related to this charge. A case was opened with our disputes department and assigned a case number ([redacted]). The Bank started an investigation into the disputed charge and contacted the merchant, notifying them that you were disputing the purchase and charge to your account. The Bank is required to follow [redacted] Terms and Conditions when disputing a charge on a [redacted] account. Those terms state that the merchant has a certain amount of time to respond to your dispute and provide proof that the charge in question was authorized by the account holder. During that time, the Bank will issue provisional credit to our account holder; however, if their research does not support your dispute, the provisional credit will be removed from your account. On July 23, 2015, the Bank issued provisional credit to your account in the amount of $1,333.20. On August 25, 2015, the Bank mailed you a letter indicating that we completed our investigation and your dispute was being denied because the merchant verified the charges as valid. The letter also indicated that provisional credit would be removed from your account on August 26, 2015. Unfortunately, when the disputes department attempted to debit your account for the provisional credit, the account had been blocked for fraud and the debit didn’t process correctly. Instead, the debit was placed in our holdovers account for research and your account was never debited. After researching your Revdex.com rebuttal and the documentation provided by the merchant, the Bank issued a second chargeback with this merchant that was mailed to them on September 30, 2015. The merchant bank has forty five (45) days to respond. If the merchant bank continues to dispute our claim that you did not authorize this purchase, the dispute will go to Arbitration for [redacted] to rule on. If they do not continue to dispute our claim, you will be given final credit for the dispute. At this time, we will not be debiting your account, as we indicated in the letter mailed to you on August 25, 2015. If you have questions regarding the second chargeback or the provisional credit, please contact Jenna V., Disputes Servicing Specialist, at ###-###-####. [redacted], in your rebuttal with the Revdex.com, you state that the Bank failed to issue credit to you for the disputed charge for around two (2) months; even though regulations require us to issue credit within five (5) days. Regulation E (Electronic Funds Transfer Act) covers disputes regarding unauthorized transactions on personal consumer accounts that involve the use of a personal consumer card. As I stated in my prior responses, those regulations do not apply to business accounts and business debit and credit cards. All of your accounts with Fifth Third Bank are Business Checking Accounts and Business Debit Cards and are not covered by the Regulations you reference in your complaint. Although the disputed charge in question is not covered by Regulation E, Fifth Third Bank makes every effort to assist our cardholders in resolving these merchant disputes by working directly with the merchants. Our policy to assist our cardholders with these types of disputes has a completion time of up to 120 days, which I have indicated in several of my previous responses. On behalf of the Bank, please accept my sincere apologies if I failed to clearly explain the Regulation or our policy regarding disputes not covered by the Regulation in my prior responses. 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, Jennifer C. Office of the President Pc: Revdex.com Enclosure: Disputes Resolution Letter, mailed on August 25, 2015

[redacted] [redacted] [redacted] Date: November 10, 2015 Regarding Your Experience Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning the level of service you received from the Bank. We...

appreciate the time you have taken to document your thoughts and concerns regarding this matter. We strive to provide professional and accurate service to our customers and I regret that the service you received did not meet that same high standard. Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers. Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. I apologize for the situation that occurred when the direct deposit you made did not get applied accurately to your [redacted] card, which caused a delay in youreceiving the funds. In order to compensate you for the inconvenience you experienced in conjunction with this situation, the Bank deposited funds totaling $267.18 into your checking account ending in [redacted] on November 5, 2015. The funds totaling $267.18 included the $17.18 still remaining on your [redacted] card ending in [redacted] and the $250.00 that you were required to borrow due to this circumstance. A review of our files revealed that your [redacted] card was closed by the Bank due to a Pattern of Use issue. I appreciate this opportunity to address your concerns. On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Carolyn G. 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.   
Regards,
[redacted]  Hello,How do I reopen the case?I was on a vacation, so I just got a response.The only response from 5/3 in regards to the case I received was that they are still investigating it.Summary:1) [redacted] charged my card on behalf on someone else's account (unauthorized charge)2) [redacted] refuses to issue credit, and then admits that they charged me for someone else3) [redacted] is out of business, 5/3 contacted by Email, [redacted], Revdex.com, [redacted] - the claim is open (after 30 days delay once [redacted] was delivered with the details and supporting docs as instructed by terms and conditions for billing error resolution);4) The claim was accepted, yet I am not getting the credit within 5-10 days as I should be getting per agreement5) I did not sign, receive anything I was billed for - the 5/3 bank SHOULD HAVE NOT received anything with my name, signature, and authorization of the payment documents OR ANYTHING at all.6) Federal law requires them to resolve the issues within 60-90 days, my case took 6-7 months to say that unfortunately "go and talk to the merchant which is out of business for months"7) Now they claim that they have sent me 7 messages - only messages were responses to Revdex.com and [redacted] complaints saying "that they are still working on it".I am not sure whats taking so long- when all they need to do is to contact the merchant deduct the funds. And the case if resolved - if the merchant is responding its going to be forged documents without any details to support their case - such as work delivery, contacts, my IP address for all the payment submitted and so on.I am very dissatisfied with 5/3 and I will be filling more complaints to follow as well as ripoff reports so that others could see how 5/3 is handing the disputes. I have a good belief that funds ended up in 5/3 and is basically not being released back to me, or the error resolution was not followed as it should have. So I will need to outline this to Federal reserves and [redacted] in a new complaint (it looks like these organizations keep filling against them nonstop for the ongoing violations).How would you feel if your account was billed $6000, the merchant would be delaying to respond until the last moment, and the bank would say "well.... too bad for you".Sincerely,[redacted]

[redacted] Date: December 21, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding the car title...

held for collateral for your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. It was certainly not our intention to cause you any undue hardship and we sympathize with the difficulties you encountered. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. I understand your frustration when this situation occurred. However, our Consumer Contact Center strives to provide professional and accurate service during every telephone call they receive throughout the day. I am sorry if your telephone call experience did not meet the same high standard. Your vehicle loan was paid in full on November 19, 2015, and the loan was closed that same day with a zero balance owed. We do not release the lien on a vehicle title for approximately five (5) to seven (7) business days after receiving the payoff to ensure that the payoff we receive is not reversed for any reason. We have verified that the lien was released from the [redacted] and the title was mailed on November 27, 2015. According to your complaint, you did not receive the title. Therefore, on December 14, 2015, we issued a check for $11.00 and sent it to the address listed above in order to assist you with ordering a duplicate title from the State of [redacted]. In addition, we also included paperwork which confirms the release of the lien for this particular vehicle loan. I hope this letter addresses all of your concerns and you are satisfied with the resolution. We appreciate your patience while we researched this matter. You were a valued customer and we sincerely hope that you will consider using Fifth Third Bank for your financial needs in the future. If I may be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####. Sincerely, Lisa S. Office of the President Pc: Revdex.com