Fifth Third Bank

Good afternoon, I have spoken to this customer directly on October 28, 20416, (possibly after he sent the Revdex.com message) and we worked through his concerns. We are not submitting an additional response at this time. Thank you! Shawna H.Customer Care Team Specialist IIFifth Third Bank | Office of the President5050 Kingsley Dr.MD 1MOCOPCincinnati, OH 45263

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.  Have not received any correspondence or contact from Bank. Submitted new insurance via email and hardcopy still no response.no actions taken until I called bank and complained after 5 calls. Have chosen not to do business with Bank due to poor customer service.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  I wish they could hamdle these kind of requests through customer service and not through Revdex.com
Regards,
[redacted]

For my complaint, ID [redacted]I would like to remove it because I entered the last page in error in accident.  I also just resolved the issue with the company. Please remove the complaint and do not proceed further action as I do not wish to do so.Sincerely,[redacted]

[redacted] Date: August 5, 2016 Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Fifth Third Bank Accounts Dear [redacted]: We received a copy of your...

complaint filed with the Revdex.com (Revdex.com) regarding your checking and credit card accounts. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On April 27, 2015, a $750.00 check that you deposited at an Automated Teller Machine (ATM) posted to your checking account ending [redacted]. The check was returned as unpaid because the paying Bank could not locate a valid account associated with the check. A copy of the returned deposit item is enclosed for your review. Because the check was returned for “unable to locate account,” as well as the account’s prior history of overdrafts, our Bank Protection Department made the decision to close your accounts with the Bank. I am sorry for the distress and inconvenience this caused you. Enclosed is a copy of the Terms and Conditions for your checking account. Page ten (10), section eight (8), of the Terms and Conditions states that the Bank may close the account of any customer at any time. Also enclosed is a copy of the account closure letter. Due to the account activity of depositing a check for which the account could not be located, we reported the activity to the intra-Bank monitoring service Early Warning Services. The information can remain on file with Early Warning Services for up to seven (7) years. Typically, banks will check with Early Warning Services when customers apply to open accounts with them. Different banks may have policies in place to not open accounts for customers who have information reported to Early Warning Services. I am sorry for the difficulties you have experienced while attempting to open new bank accounts. We are unwilling to remove the accurate information that was reported. I certainly understand the frustration and difficulties you experienced due to needing to find a new bank, but being unable to do so. Please be assured that it was not our intention to cause you distress. Our Bank Protection Department is tasked with protecting that Bank’s and our customers’ interests. I confirmed that your account was not closed until May 27, 2015, to allow you time to move your automatic debits and direct deposits to a different account. Typically, if we close a customer’s banking relationship with us, all of their accounts are closed. However, your Access 360 prepaid card was permitted to remain open. I am sorry if you are having trouble with the account. Enclosed is a copy of the terms and conditions for the Access 360 account. If you have questions about the account, please feel free to contact our servicer for the account, [redacted], at ###-###-####. That department is open twenty-four (24) hours a day, seven (7) days a week. You mentioned that you spoke to a banking center manager about the account closure. The manager advised they would look into it for you but did not give you information for approximately a month, at which time they advised there was nothing they could do. Unfortunately, I was unable to determine to which banking center manager you spoke. If you are able to provide the manager’s name, or the name of the banking center they worked at, I would be happy to further research your concerns. I can be reached using our address listed above, my phone number listed below, or via fax at ###-###-####. You also expressed concerns about your Secured [redacted] account ending in [redacted]. Your credit card account was opened on March 5, 2015. Enclosed for your review is a copy of the terms and conditions for the account. The Secured [redacted] requires that funds equaling the credit limit for the card be on hold in a savings account. The credit limit for your Secured [redacted] was $300.00. There was $300.00 on hold to secure the credit card in your savings account ending in [redacted]. Enclosed for your review are all of the statements issued to you for this credit card account. After reviewing the account, we determined that not all payments were received by the due date. Per the enclosed statements, we did not receive payment for the payments due in July 2015, September 2015, October 2015, and December 2015. The payments we received in January 2016, and February 2016 were insufficient to cover the minimum payment due. The payment we received in May 2016 was received after the due date of May 24, 2016. A total of $200.00 in late fees was correctly applied to the account for the late payments. $60.00 in late fees was waived from the account as a courtesy. We are unwilling to waive additional fees from the credit card account at this time. You mentioned that you called the Bank regarding your account. Unfortunately, I was unable to locate record of any customer service agents accessing your account, or any recorded phone calls with the Bank. Enclosed is a copy of the Fifth Third Bank Card Agreement for [redacted] and Visa. Page four (4), section twenty-one (21), states that the Bank may revoke your right to use the credit card at any time, for any reason, without providing notice to you. Section twenty-two (22) states that you are in default of the Card Agreement if you fail to make the minimum payment due by the due date. Page five (5), section twenty-three (23), of the agreement states that if your account is in default that we may terminate your account and cancel all cards. Your credit card was closed by the Bank, which we refer to as being revoked, on November 12, 2015, due to the delinquency on the account. At that time, we had not received your $37.74 payment that was due by September 24, 2015, or the $120.83 payment that was due on October 24, 2015. I am sorry for the distress you experienced because we closed the account and it could no longer can be used. Please be advised that you are still responsible for repaying the balance owed to the Bank even if the account is closed. Page four (4), section eighteen (18), of the Card Agreement states that you promise to pay the Bank in full for all transactions on the account including fees, finance charges and other charges. Your responsibility to repay the debt is not removed if we have to close the account due to non-payment. For this reason, we continue to issue monthly account statements while the account has an outstanding balance owed as required by law. When the Bank closes a credit account, the account is reported as closed by the grantor to the credit reporting agencies. This information may have a negative effect on the credit score. Additionally, we confirmed that your payment that was due on September 24, 2015, was not paid until November 24, 2015. Because the payment was received more than thirty (30) days after the due date, a thirty (30) day delinquency was reported to the credit reporting agencies. I verified that the delinquency and the account closure status reported to the credit reporting agencies is correct. 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 the revoked status or the late payment reported. Please note that Fifth Third Bank does not determine or calculate your credit score. Each credit reporting agency calculates your credit score per their own guidelines based on the information reported. We report the status of the account every month, and the credit reporting agency utilizes that information to determine your credit score. I confirmed the outstanding balance owed on the Secured [redacted] as of May 27, 2016, was $104.64. The Bank utilized $105.64 from the secured funds in the savings account ending in [redacted] to pay the card balance in full, including the $1.00 minimum finance charge that would be due for that statement cycle. After the minimum finance charge was applied on June 27, 2016, the balance owed on the credit card was zero (0). There are no additional funds owed for this account. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna T. Office of the President Pc: Revdex.com Enclosure: Checking Account Statements (3), Overdraft Notices (9), Checking Account Terms and Conditions, Account Closure Letter, Returned Deposit Image, Access 360 Terms and Conditions, [redacted] Terms and Conditions

[redacted] Date: October 14, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your installment loan account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Enclosed for your reference is a copy of the contract for your loan. Page two (2), section three (3), subsections b, c, and d explain default and repossession. Per the contract, your loan is in default if you do not pay when the loan is due. If the loan is in default, the contract explains that we may repossess the vehicle. Subsection e advises that you can redeem the vehicle if it is repossessed by paying the amount we quote for it to be returned. The $276.21 monthly payment for your loan is due by the eighteenth (18th) of each month. If the payment is not received within the ten (10) day grace period after that, a late payment fee is assessed. On July 8, 2016, we received a $579.35 payment that you scheduled from your [redacted] account. At that time, your account was past due for the May 2016 and June 2016 payments. The $579.35 made your account current. However, the payment was returned by [redacted] for insufficient funds on July 12, 2016. As a result, the July 8, 2016, payment was removed from your account and the loan was again past due for May 2016 and June 2016. You made another payment from E TX PROFESSIONAL CU on July 14, 2016, for $579.35. This payment was successful and was not returned by your bank. The July 14, 2016, payment brought your account current with the next payment due on July 18, 2016. Unfortunately, we did not receive another payment for the account after that. On September 20, 2016, the vehicle was repossessed. At that time, the account was sixty-three (63) days delinquent for the July 2016, August 2016, and September 2016 payments. I reviewed your account and confirmed that the July 8, 2016, payment was not reversed and reapplied to not go toward fees. That payment was returned by your bank for insufficient funds. Of the $579.35 you paid on July 14, 2016, $26.11 was applied toward fees. The amount paid toward fees would not have been enough to cover additional payment due on the account. The payment covered two (2) months of payment as you intended. I am sorry for any misinformation or misunderstanding about the double payment you made going to fees. The vehicle was repossessed because we did not receive any payment after the July 2016 payment to cover the July 2016, August 2016, and September 2016 payments. The repossession is not related to the July 2016 payments received. When a vehicle is repossessed, the Bank requires that the account holder pay the total amount due to redeem the vehicle so it is not sold at auction. The total amount due includes all past due payments, fees, and the repossession fee. Please note that if a vehicle is sold at auction for more than the outstanding balance of the loan, Fifth Third Bank sends a check to the accountholder for the overpayment. Our Collection Department made an exception to allow you to redeem the vehicle by paying just the past due payments owed, and we would then spread the amount of the repossession fee over the next payments for the account. The past due amount owed for those three (3) months was $885.52. We received your $885.52 payment on September 22, 2016. The vehicle was released for your possession that day. I confirmed that you have the following payment scheduled for the loan: ** $454.55 on October 18, 2016 ** $454.55 on November 18, 2016 ** $454.55 on December 16, 2016 ** $266.55 on January 18, 2017 Please note that we do not know what fee will be charged by the repossession company until we receive a bill from that vendor. For that reason, we estimate the repossession bill we will receive until it is charged. The extra $178.34 scheduled per month for three (3) months totals $535.02. However, the actual repossession bill we received and applied to the account on September 28, 2016, was only $477.59. Please feel free to contact the Collection Department if you would like to cancel and reschedule the ACH payments to accommodate the lower repossession fee. The Collection Department can be reached at ###-###-####. That department is available to assist you Monday through Friday from 8 a.m. to 9 p.m., ET, and Saturday through Sunday from 8 a.m. to 5 p.m., ET. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Note, Payment History

[redacted] [redacted] [redacted] Date: July 29, 2016 Regarding Your Recent Mortgage Loan Applications Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com, regarding your recent mortgage...

loan applications. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We received your original complaint filed with the Consumer Financial Protection Bureau on July 12, 2016. In addition, we received your original complaint filed with the Revdex.com on July 15, 2016. We received your follow up complaint with the Revdex.com on July 26, 2016. However, we stand by the response conveyed to you in the previous letter sent on July 19, 2016. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. While it is our desire to extend credit to every individual that applies, it is not always possible for us to do so. When applying for a mortgage loan several factors are reviewed before approval may be given for the mortgage, including any information we receive from the credit reporting agencies, the documentation you have provided, and an appraisal of the property. Should the information we receive not meet our current guidelines for lending, your application may be declined. As mentioned in our response dated July 19, 2016, you met with Diann P., Mortgage Loan Originator, to apply for a mortgage loan. A credit report was ordered as part of the application process, and the information on the credit report indicated a large lien. You discussed the required documents for a Home Affordable Refinance Program (HARP) application, and you told Ms. P. that you would contact her when you had cleared up the negative credit reporting. In March 2016, you contacted Diann Preiss and submitted a new mortgage application on March 31, 2016. As part of your new mortgage loan application a new credit report was ordered and the information on the credit report indicated new disputes. After you contacted Ms. P. to inform her you had corrected the new disputes, a credit report was ordered to confirm the negative reporting had been removed. Unfortunately, new disputes appeared on this credit report. Our research determined you contacted Diann P. a third time to discuss a third application. You had mentioned that you had fixed the credit bureau disputes. In your discussion with Diann Preiss, you stated you would call the companies to ensure the disputes were no longer on your credit report. It was decided that you would contact Diann P. when you had confirmed the disputes were removed from your credit reporting and you were ready to submit a third application. I was unable to find a new application in our mortgage application system. If you would like to apply for a mortgage loan refinance, please contact Diann Preiss or another Fifth Third banking center to submit a new application. Additionally, our Retail Direct Sales Team can assist you with a telephone application. You can contact the Retail Direct Sales Team at ###-###-####, option 6, Monday through Friday, 8 a.m. to 8 p.m.; Saturday, 8 a.m. to 5 **m., ET. An agent will be able to assist with your mortgage loan application. It was certainly not our intention to cause you any hardship or frustration. 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 call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 **m., ET. Sincerely Patrick S.Office of the President PC: Revdex.com Enclosures: Prior Response

[redacted] Date:       June 3, 2015 Account: [redacted] Regarding Your Platinum Credit Card Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com, regarding your Platinum Credit Card. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the response conveyed to you in our previous letter sent to the above address on May 26, 2015. Our position on this matter has not changed. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please call me at 513­358-0015, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely,   [redacted] Consumer Resolution Specialist Office of the President Pc: Revdex.com

[redacted] Date: December 20, 2016 Account: [redacted] Regarding Your Transaction Dispute Dear [redacted]: We received the additional information you submitted through the Revdex.com. I have forwarded the information you provided to the relevant parties. After a chargeback is sent to a merchant, they have up to forty-five (45) days to respond. We initiated the chargeback on October 25, 2016, so [redacted] had until December 8, 2016, to respond. While they responded to you, they have not responded to our request. Please be advised that the credit of $1,196.00 is now considered final. We appreciate your patience while we researched this matter. You are a valued customer and if I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

[redacted]     Date: February 17, 2016     Account: [redacted]Regarding Your Fifth Third Bank [redacted]Dear [redacted]: We received a copy of the complaint you filed with the Better...

Business Bureau, concerning your [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. Your comments expressing less than quality customer service are very concerning. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. We sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to us. Feedback like yours helps us identify problems and improve the level of service we provide to our customers. Please be assured that the relevant parties have been contacted to express your dissatisfaction with the service you received.Please find enclosed your credit card statements dated December 24, 2014 to your present statement dated January 22, 2016. Your credit card statement issued on December 24, 2014, indicated a minimum payment of $52.00 was due by January 21, 2015. On January 21, 2015, the Bank had not received your minimum payment and a $25.00 late charge was assessed to your credit card account.Your next statement dated, January 24, 2015, indicated the $25.00 late charge and the minimum payment due was $129.00 by February 21, 2015. The Bank received and posted your payment of $55.70 on January 23, 2015. However, this payment did not satisfy the minimum payment due by February 21, 2015. Therefore, on February 23, 2015, a $35.00 late charge was assessed to your credit card account. This fee is on your statement dated February 24, 2015.Your February 24, 2015, statement indicated a minimum payment of $161.30 due by March 21, 2015. This payment included a past due balance of $73.30. The Bank received and posted your two (2) payments of $44.00 on March 3, 2015, and March 16, 2015. However, no other payments were received prior to March 21, 2015. Therefore, a $35.00 late charge was assessed to your credit card account. This fee is on your statement dated March 24, 2015. Your March 24, 2015, statement indicated a minimum payment of $161.30 was due by April 21, 2015. This payment included a past due balance of $73.30. The Bank received and posted your $44.00 payment on April 15, 2015. However, this payment did not satisfy the minimum payment due by April 21, 2015. Therefore, a  $35.00 late charge was assessed to your credit card statement. This fee is on your statement dated April 24, 2015. Your April 24, 2015, statement indicated a minimum payment of $206.30 was due by May 21, 2015. This payment included a past due balance of $117.30. The Bank received and posted your $44.00 payment on May 11, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on May 22, 2015. This fee is on your statement dated May 22, 2015. Your May 22, 2015, statement indicated a minimum payment of $252.30 was due by June 21, 2015. This payment included a past due balance of $162.30. The Bank received and posted your $44.00 payment on June 8, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on June 23, 2015. This fee is on your statement dated June 24, 2015.Your June 24, 2015, statement indicated a minimum payment of $298.30 was due by July 21, 2015. This payment included a past due balance of $208.30. The Bank received and posted your $44.00 payment on July 14, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on July 22, 2015. This fee is on your statement dated July 24, 2015.Your July 24, 2015, statement indicated a minimum payment of $345.30 was due by August 21, 2015. This payment included a past due balance of $254.30. The Bank received and posted your $44.00 payment on August 10, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on August 24, 2015. This fee is on your statement dated August 24, 2015.Your August 24, 2015, statement indicated a minimum payment of $393.30 was due by September 21, 2015. This payment included a past due balance of $301.30. The Bank received and posted your $44.00 payment on September 11, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on September 22, 2015. This fee is on your statement dated September 24, 2015. Your September 24, 2015, statement indicated a minimum payment of $454.30 was due by October 21, 2015. This payment included a past due balance of $349.30. The Bank received and posted your $44.00 payment on October 14, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on October 22, 2015. This fee is on your statement dated October 24, 2015.Please note, based on your payment history, the Bank did revoke your ability to make purchases with your credit card account on October 23, 2015.Your October 24, 2015, statement indicated a minimum payment of $516.30 was due by November 21, 2015. This payment included a past due balance of $410.30. The Bank received and posted your $44.00 payment on November 10, 2015. This payment did not satisfy your minimum payment and a $35.00 late charge was assessed to your credit card on November 24, 2015. This fee is on your statement dated November 24, 2015. On December 14, 2015, the Bank received a proposal from [redacted] ([redacted]) regarding a payment plan for your credit card account. On December 15, 2015, the Bank was contacted by [redacted], from [redacted], regarding the proposed payment plan. During that conversation, [redacted] was informed that the account in question ([redacted]) was not a valid account number. Our agent suggested to [redacted], that the card might be your credit card ending in [redacted]. The Bank rejected the initial proposal on December 15, 2015, because the account number was not a credit card account.On December 17, 2015, the Bank received an offer of $44.00 payments toward your debit card account ([redacted]). The Bank faxed a counter-offer to [redacted] at [redacted] for a payment of $52.00 on the correct account ending in [redacted]. On December 22, 2015, the Bank received an offer for the correct account number ending in [redacted] with monthly payments of $52.00. The Bank accepted this payment plan. The first payment of $52.00 was due on January 20, 2016. The Bank has lowered your interest rate to a fixed rate of 5.99%. Please use the enclosed statements as verification of the lower interest rate beginning with your statement dated December 24, 2015.Please note, the Bank did receive a $49.40 payment on January 11, 2016. This is the last payment made toward your credit card account. It was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matter. You are a valued customer and we hope you will allow us to serve 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, Patrick S.Office of the PresidentPC: Revdex.comEnclosure: Credit Card Statements

[redacted]Date:       July 13, 2015Account:        [redacted]Regarding Your Installment Loan AccountDear [redacted]:We received a copy of your complaint filed with the Better...

Business Bureau, concerning your Fifth Third Bank credit card. We appreciate the time you have taken to bring this matter to our attention.Your feedback is important to us, so that we can better understand how we can improve our service to you. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction.Our records confirm that the [redacted] Signature card promotion for movies tickets purchased by Fandango.com was not offered by the Bank. The promotion was offered directly through [redacted].We are very sorry if your telephone calls to the Bank did not provide the level of customer service you desired, and if the information provided did not clearly communicate that the Bank was not responsible for the promotion or [redacted]’s fulfillment of this offer.In the interest of customer service, we have enclosed a refund check totaling $9.00. We are also sending you a gift card in the amount of $25.00 in a separate mailing. Although we sympathize with the difficulties you encountered, we are not willing to offer you $120.00 in compensation as you requested.We hope this correspondence will help you understand Fifth Third Bank’s position going forward. We appreciate your patience while we researched your request, and I trust the information detailed herein answers any questions you may have. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,Elizabeth J. Office of the President

[redacted] Date: November 30, 2016 Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau regarding your Fifth Third Bank Essential checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for the level of service you received from our Customer Service Department. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your letter, I forwarded your concerns to the relevant parties in our Customer Service Department who thoroughly researched this matter. 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. However, I cannot inform you of any specific internal actions that may be taken. 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 the cut-off time as detailed in our Funds Availability Policy. 2. Time-stamped debits, such as ATM withdrawals and debit card purchase, 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 to the smallest amount. Debit card and ATM (Automated Teller Machine) transactions are time-stamped debits and pre-authorized at the time of use, and will show as pending until they are posted. Because time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic ACH (Automated Clearing House) payments are batch debits that are not pre-authorized by us. These transactions do not include a time-stamp and will not show as pending during the day. Checks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payment was authorized to be paid. 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. Page seventeen (17) provides additional information regarding transaction cut-off times. Page eighteen (18) provides additional information regarding our Funds Availability Policy. We recommend that customers keep a ledger to track all transactions, including checks they have written, so that they can know if there are items that have not posted and can plan accordingly. You can avoid overdraft situations by always making sure you have sufficient funds in your account to cover all of the debits you make. We have services available to help you keep track of your account balance and the money you have spent. These include: ** Logging on to 53.com ** Using the mobile app ** Text or email alerts ** A Fifth Third ATM ** Calling ###-###-#### ** Visiting a banking center We also offer several options that may help you manage times when you are facing an overdraft situation. These options include Overdraft Protection and Overdraft Coverage. An overdraft occurs when you do not have sufficient funds in your account to pay your transactions. You have the option of enrolling in Overdraft Coverage for ATM transactions and everyday debit card purchases. If you opt-out and attempt to authorize your card for an amount more than the balance in your account, the transaction will be immediately declined. If you opt-in to Overdraft Coverage, your card may be approved beyond the balance in your account, and the transaction will be subject to overdraft fees. As part of this service, we do authorize and pay overdrafts for the following types of transactions: ** Checks and other transactions made by using your checking account number ** Automatic Bill payments Our review of your checking account determined you have opted to decline Overdraft Coverage. You may change your Overdraft Coverage preference selection anytime by the following ways: ** Visiting a Fifth Third banking center ** Online at 53.com/accountmanagementservices ** By phone, ###-###-#### Please note that opting out of Overdraft Coverage does not guarantee that the checking account will not be overdrawn, but it does guarantee that the checking account will not be assessed an overdraft fee for any ATM or one-time debit card transactions that posts to the account while it has a negative balance. As I mentioned in our telephone conversation, we have researched your prior overdraft situations to determine if Bank error was the reason for the overdraft fees. Our review determined you have been assessed $99.00 in overdraft fees in the last twelve (12) months. Our review determined that $74.00 in overdraft fees have been reversed into your account as a courtesy, the overdraft situations below were not a result of any Bank error. Please find enclosed a copy of your checking account statement dated February 17, 2016. On February 2, 2016, the ending balance in your checking account was $28.72. On February 4, 2016, check (#[redacted]) posted to your checking account in the amount of $98.90. This transaction resulted in a negative ending balance of ($70.18). The Bank issued the enclosed overdraft notice to inform you of the overdraft, and the fee that would post to your checking account the following day. As a courtesy this fee was reversed on February 12, 2016. Your next overdraft situation occurred on May 24, 2016. Please find enclosed a copy of your checking account statement dated June 17, 2016. The ending balance in your checking account on May 23, 2016, was $8.54. Two (2) credits posted to your account totaling $3.13, the transfers resulted in an available balance of $11.67. Three (3) debits posted to your checking account on May 24, 2016. Two (2) of the items were debit card purchases totaling $11.66. Please note you were not assessed an overdraft fee for the two (2) debit card purchases. However, a check for $48.00 posted to your checking account, which resulted in a negative ending balance of ($47.99). The Bank issued the enclosed overdraft notice to inform you of the overdraft, and the fee that would post to your checking account the following day. You contacted our Customer Service Department regarding this fee. As a courtesy, the fee was reversed on May 26, 2016. Your most recent overdraft situation occurred on November 14, 2016. On November 10, 2016, your ending account balance was $267.15. It should be noted, the Bank was closed on November 11, 2016, in observance of Veteran’s Day. Ten (10) debit transactions posted to your checking account on the next business day November 14, 2016. The transactions posted to your checking account in the following order. Beginning Balance: $267.15 November 11, 2016, 4:29 PM Merchant Payment- [redacted] $ 62.16 November 11, 2016, 4:37 PM Merchant Payment- [redacted] $ 61.50 November 11, 2016, 9:12 PM Merchant Payment- [redacted] $ 9.53 November 11, 2016, 11:35 PM Merchant Payment- [redacted] $ 20.96 November 12, 2016, 1:23 PM Debit Card Purchase at [redacted] $ 6.20 November 12, 2016, 2:29 PM Debit Card Purchase at [redacted] $ 5.02 November 12, 2016, 8:49 PM Merchant Payment at [redacted] $ 24.76 November 13, 2016, 3:52 PM Merchant Payment at [redacted] $ 5.31 November 14, 2016, Check #[redacted] $121.24 November 14, 2016, Non-5/3 Cash Withdrawal Fee $ 2.75 The debits totaled $319.43, and you were assessed one (1) $37.00 overdraft fee. As noted in the enclosed overdraft notice dated November 15, 2016, you were assessed an overdraft fee for the check posting to your account. A $50.00 telephone transfer was made on November 15, 2016, into your checking account; however, this transfer did not affect the negative balance from the prior business day. On November 16, 2016, you contacted our Customer Service Department to request a fee reversal. As a general guideline, the Bank allows customer service agents to reverse up to $74.00 in overdraft fees that were not a result of Bank error. The agent correctly informed you that they could waive an additional $12.00, which would bring the twelve (12) month total of courtesy fee reversals to $74.00. In your conversation with the customer service agent you stated that the check had not posted at midnight on November 15, 2016. Please note the agent correctly informed you that a check is not a time-stamped debit and that the processing is completed as timely as possible, and that processing may not be completed by midnight. As the maker of the check to [redacted], you were aware the check was an authorized purchase and had not cleared the account. After our telephone discussion, I did research your prior calls to our Customer Service Department. My research determined you were provided incorrect information during one (1) of your calls. On October 15, 2016, you contacted our Customer Service Department and asked the agent why you were not able to check your husband’s payroll check. In error, the customer service agent informed you that you would be able to cash the check for no fee at a Fifth Third banking center. In order to cash a non- Fifth Third check, you would need to have funds in your account that would cover the amount of the check. Please accept our sincere apologies for the misinformation provided to you by the customer service agent. In the interest of customer service, we have reversed the remaining $25.00 of the $37.00 fee assessed on November 15, 2016. Fifth Third Bank does offer a check cashing service called Cash Access. Please find enclosed information about Fifth Third Bank’s Cash Banking services. Fifth Third Cash Access allows our customers to get cash immediately at competitive rates. You can cash almost any kind of check including payroll, government, personal and more. As a Fifth Third Bank checking customer, you would pay a fee of 1% for payroll and government checks, and 2% for personal checks. Please visit a local banking center for more information about our Cash Banking services. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers 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 at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. 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 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(s): Statements Rules and Regulations Overdraft Notice Overdraft Solutions Cash Banking Brochure

[redacted] Date: December 2, 2015 Account: [redacted] Regarding Your Checks Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding the checks for your Essential...

Checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Our records show that a check order was placed for your Essential Checking account ending in [redacted] through Internet Banking at 53.com on November 4, 2015. However, since you have stated that you do not want, nor do you intend to use the checks, we waived the $23.99 check fee on November 25, 2015. The checks were shipped to the address above on November 5, 2015, and typically take seven (7) to ten (10) business days to arrive. Once you have received the checks, for your security please visit any Fifth Third Bank banking center to have the checks destroyed. If you have not received the checks by the time you receive this letter, please contact me at the number below and I will be happy to further assist you. Thank you for your patience while waiting for a response. You are a valued customer, 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, Elizabeth D. Office of the President Pc: Revdex.com

[redacted] McGovern [redacted] Date: March 11, 2016 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your vehicle installment...

loan. 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 level of service you received from our Customer Service Department. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an experience to our customers. After receiving your letter, I forwarded your concerns to the relevant parties in our Customer Service Department who thoroughly researched this matter. 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. However, I cannot inform you of any specific internal actions that may be taken. Please also accept my sincere apologies if you do not find our website convenient and easy to use. The Bank has designed our installment loan payment system website with the intention of providing our customers with a convenient and easy way to make their payments. We regret if this has not been your experience. As I explained during our telephone conversation on March 9, 2016, there has been no negative credit reporting of your account. Although your loan payment is considered late if the full payment amount of $238.65 is not received by the payment due date on the fourth day of each month, late payments are not reported to the credit reporting agencies if the payment is received within thirty (30) days of the due date. I have confirmed that there has been no negative credit reporting of your account. Also during our telephone conversation, and as you told me you are already aware, there have been a total of three (3) late payment fees assessed to the account since the account has been open. In the interest of customer service, and because we value you as a customer of the Bank, each of these late payment fees have been reversed. Also during our telephone conversation March 9, 2016, you stated that the issues you have experienced making your loan payments through our website have now been resolved. If you have any issues in the future, please contact me directly at the telephone number listed in this letter and I will be happy to assist you. I also want to take this opportunity to let you know of an alternative method of making your loan payments. It is a service called Auto BillPayer. Auto BillPayer will automatically transfer monthly payments from a non-Fifth Third checking account to your installment at no additional cost, which is less than the cost of a postage stamp. Many of our customers appreciate the convenience of Auto BillPayer, which eliminates the need of check writing and mailing your payments. If you are interested, please call ###-###-####, Monday through Friday 8 a.m. to 5 p.m., ET. Alternatively, you can call me directly. [redacted], 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 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 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.  Re-initiation of claims is highly appreciated. 
Regards,
[redacted]

Hello, I did receive 2 calls from [redacted] while I was out of the office, I returned her call today and left a message.  I provided the number to our Borrower’s Assistance Department who would be best to work with [redacted] regarding hardship assistance. I have contacted them and confirmed that she may not qualify at this time.  I’ve attached our response, but without new information from the customer we would stand with our response.  Thanks. Pat S.Customer Care Team SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### Fax: ###-###-####Email:  [redacted]

[redacted] Date: June 8, 2016 Account: [redacted] Regarding Your Accounts Dear [redacted]: We received your Revdex.com Complaint, regarding overdraft on your checking accounts. We appreciate the time you have...

taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, I apologize for the difficulties you have experienced. It was certainly not our intention to cause you any undue hardship or frustration. I have reviewed your account ending in [redacted] and found that the overdraft occurred due to three (3) card transactions that were pre-approved on the custodian debit card ending 2056. These three (3) card transactions were from the same merchant, [redacted], and were pre-approved on two (2) different days; the first day May 5, 2016 for $215.00 and the second day May 10, 2016 for $421.40 and $400.00. Typically, debit transactions made with your debit card using a PIN (Personal Identification Number) are processed and posted to your account on the same day the transaction is made. Credit based transactions made with your debit card, such as the [redacted] transactions, may take up to three (3) business days to post based on when the merchant presents the authorization for payment. After that timeframe, if the merchant has not yet presented the pre-authorized transaction for final payment the Bank will remove the pending charge from your account after the fourth business day. The transaction will not show against the account’s available balance again until the merchant presents it for final payment and it posts to the account using the original authorization number they received. At this time, merchants are not required to receive a new authorization to present the transaction for final payment if the previous authorization is no longer pending on the account. Therefore, on May 13, 2016, when your account had a negative balance of ($187.90), it is possible that one (1) or more of these three (3) transactions listed above may not have been showing as a pending item in your available balance until the merchant presented the transaction for final payment during overnight processing. You would not have been aware of the negative balance by viewing your account online until the next morning. Please be assured, that your checking account was not assessed overdraft fees for this occurrence because your account had sufficient funds at the time of the original pre-authorization. If these transactions are unauthorized you may dispute them with our Disputes Resolution Department by calling them at ###-###-#### their hours of operation are Monday through Friday, 7 a.m. to 8 p.m. and Saturday 8:30 a.m. to 5 p.m. Please be advised your monthly statement fee is not for the management of your money. The fee is charged for providing you an account to transact your business. Online balances are up to date and the available balance will show all pending card transactions (excluding the transactions explained above where either the Bank or Merchant has released the charge and the Merchant is representing the charge). Automated Clearing House (ACH) payments will not show as pending and will post with any checks during overnight processing as well. We appreciate your patience while we researched this matter and apologize for any inconvenience this situation 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, Shannon K.Office of the President

[redacted] Date: June 28, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your checking account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. We previously advised that if you would like to re-open the dispute that you could submit proof of a billing error. We received the additional complaint, but you did not provide any documentation to support your rejection of the dispute denial. As a result, we were unable to reopen the claim and the dispute denial is final. I am sorry for the distress this may cause you. We appreciate your patience while we researched this matter and apologize for the difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Previous Response

February 19, 2015 [redacted] 
[redacted] Dear [redacted]: Thank you for the letter you sent to Revdex.com regarding your car loan with Fifth Third Bank. We appreciate the time you have taken to document your thoughts and...

concerns regarding this matter, and we sympathize with the difficulty you experienced. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with our collection department in regards to the late payment status that is appearing on your loan. It was certainly not our intention to cause you any hardship. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. When a loan has gone past the date due, not the grace period, our automatic dialer will begin to call customers to remind them of a payment. We want to assist customer in maintaining their credit rating and not wanting negative reporting to appear on a credit bureau. I have checked both you and your daughter’s credit reporting, and there is no negative reporting as of today. I will check again once your payment reached Fifth Third to verify that there exists current payment statuses for both of you. Our collections department, if there are able to contact a customer, will not only ask for the payment that was missed, but also for the next payment that is due. This again is to assist our customers in maintaining their loan agreement and credit reporting. I apologize that the calls which were placed to you were excessive. Please also accept my apology for the lack of communication that the collections department gave you in regards the amount due. They should have explained the amount prior to you having to ask for clarification. I understand that this payment as well as one in October 2014 were slight oversights and did not reach Fifth Third in a timely manner. When your payment for February 2015 is posted to the loan, if there is a fee associated with the payment, I will have the fee reversed. If it would be helpful for you, I can assist you in obtaining the ability to log into Fifth Third’s online banking site to monitor the loan. Please contact me at the number below if this is an option that you would like to take advantage of doing. There is no charge for accessing our web site or your account. If your daughter has the ability to, she can also set up Fifth Third Bank as a payee on her bank’s online banking site, if they have one, to make her payments on line as opposed to mailing them in each month. If she is not familiar with setting up a bill on line, I am sure the local branch where she banks would be willing to assist her in that matter. Fifth Third Bank, Member[redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Thank you for expressing your concern and displeasure of the recent call you had with Fifth Third Bank. It is a well-known fact that no business can survive without its customers, and I want to assure you that we truly value the banking relationship you and your daughter have with us. If I could be of further assistance to you, please contact me directly at [redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the President

[redacted] Date: June 16, 2017 Account: [redacted] Regarding Your Fifth Third Express Banking Account Dear [redacted]: We received a copy of the letter you sent to the Revdex.com concerning your Express Banking...

account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. 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 customer satisfaction. When you initially contacted our Disputes Resolution Department concerning your $120.00 cash deposit at a Fifth Third Bank Automated Teller Machine (ATM) on April 14, 2017, our Disputes Resolution Department researched the transaction and determined that, since there was not an overage in the ATM, your dispute was declined. If there had been a $120.00 cash deposit made by you that was not accounted for, then the ATM in question would have shown an overage of $120..00. However, our Disputes Resolution Department researched the ATM transactions for an ATM that was not the ATM that you used. This is because the only information that you provided regarding the ATM that you used was that the ATM was located on [redacted] Road in [redacted] and there are three (3) Fifth Third Bank ATMs on [redacted] Road in [redacted]. When we spoke on June 5, 2017, I explained that the ATM transactions that were researched by our Disputes Resolution Department concerned an ATM at a [redacted] store located at [redacted] Road, [redacted]. At that time, you explained that the ATM you used was located at a [redacted] store. After finding the correct ATM that you used, at the [redacted] store located at 2161 [redacted] Road, [redacted] 30096, I contacted our Disputes Resolution Department to inform them of the correct ATM that you used and your disputes case was re-opened. Therefore, on June 8, 2017, a provisional credit of $120.00 was credited to your account. Additionally, we have received communication from the Disputes Resolution Department that your dispute has been finalized and approved. The provisional credit you received on June 8, 2017, will not be removed from your account. A copy of the letter that was sent to you on June 15, 2017, from the Disputes Resolution Department is enclosed for your reference. 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 PC: Revdex.com Enclosure: Dispute Resolution Letter