Fifth Third Bank

[redacted] Date: January 11, 2017 Account: [redacted] Re**rding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the follow up complaints you filed with the Consumer Financial Protection Bureau and the Revdex.com re**rding your installment loan. We appreciate the time you have taken to express your concerns re**rding this matter. The Bank received your original complaint filed with the Revdex.com on November 30, 2016. We have received a number of similar complaints re**rding your installment loan payments. We received your follow up Revdex.com complaint and Consumer Financial Protection Bureau complaint on January 4, 2017. However, we stand by the response conveyed to you in the previous letters sent on December 14, 2016, and December 28, 2016. I have enclosed a copy of our previous responses for your review. Our position on this matter has not changed. Please note your installment loan is a simple interest loan, with interest accruing daily on unpaid principal. When we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last payment. Then we apply the remaining funds to the unpaid principal balance. Your payment habits affect the amount of interest you pay over the life of the loan. If payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of your loan. Because less of your payments were applied to the principal balance, there may be a larger final payment due to additional accrued interest. Please find enclosed a copy of the payment breakdown we provided you with our response dated December 14, 2016. Included in this breakdown is your payment due date (the 12th of each month) and the date you made a complete loan payment. In addition, this breakdown provides you with the number of days your loan payment was past due, and the payment date satisfied by each payment. As you are aware, you made a [redacted] payment in the amount of $1,183.61 on November 28, 2016. Please use the below payment breakdown as verification that this payment satisfied your September, October and November 2016 installment loan payment. Please note the (*) indicates your [redacted] payment. Payment Due Date Date Paid 1 1/12/2016 2/1/2016 2 2/12/2016 2/26/2016 3 3/12/2016 3/29/2016 4 4/12/2016 5/4/2016 5 5/12/2016 6/6/2016 6 6/12/2016 8/2/2016 7 7/12/2016 9/20/2016 8 8/12/2016 10/25/2016 9* 9/12/2016 11/28/2016 10* 10/12/2016 11/28/2016 11* 11/12/2016 11/28/2016 12 12/12/2016 1/4/2017 13 1/12/2017 As indicated on the enclosed payment breakdown, the [redacted] payment posted to your installment loan as $1,049.04 toward principal, $108.80 in late charges, and $25.77 in interest. After receiving your [redacted] payment, your next payment was due on December 12, 2016. On December 5, 2016, the Bank received a partial payment for $154.15. This payment did not satisfy your full payment due December 12, 2016. The Bank did receive your payment of $430.00 on January 4, 2017. This payment combined with your December 5, 2016, payment to satisfy your payment due December 12, 2016. As of January 5, 2017, you currently owe $684.49 to bring your installment loan current. This amount includes your January 12, 2017, payment and the $269.90 in fees still owed on the account. Please note a portion ($15.33) of your January 4, 2017 payment has been applied as a partial payment toward your January 12, 2017 payment of $429.92. Therefore the amount owed is not a full monthly payment ($429.92) plus (+) the remaining fees ($269.90) which total $699.82. However, if you do not make a payment by the end of your grace period, January 27, 2017, you would owe $713.61. This amount would be the full January payment and $283.69 in late fees and repossession fees. During the life of an installment loan, we may offer eligible customers a delinquency extension if short term assistance is needed in re**rds to your monthly payment obli**tions. Please note that interest will still be assessed during the months that an extension is applied to your account. Any monthly payments that are related to an extension will be included with your final payoff amount due at the end of the loan term. Any unpaid interest will be due at the end of the loan term within a final payment notice that will automatically be generated and sent to the address we have on file for you. If you would like to discuss payment options, please contact the Borrower’s Assistance Department at ###-###-####, option 4. An agent is available to assist you, Monday through Friday, 8 a.m. to 5 p.m., ET. 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, please contact me toll free at ###-###-####, or directly at 513-358-2985, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Consumer Financial Protection Bureau Revdex.com Enclosures: Previous Response Letters Payment Breakdown

[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] 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

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]

[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

[redacted] [redacted] [redacted] [redacted] Date: December 29, 2016 Account: [redacted] Regarding Your Auto Loan Dear [redacted]: We received a copy of the rebuttal you submitted to the Revdex.com auto loan. We appreciate the time you have taken to document your additional 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. However, we stand by the response conveyed to you in our previous letter dated December 19, 2016. Our position on this matter has not changed. In your rebuttal you mention that you were told that the two (2) payments you made in October would bring your auto loan current. This is true. The payment that posted on October 14, 2016, satisfied your September 2016 payment, and the payment that posted on October 17, 2016, satisfied your October 2016 payment. After those payments posted to your loan, your loan was due for your next payment on November 28, 2016. However, we did not receive that payment before the end of your ten (10) day grace period, so a late charge of $50.79 was assessed on December 8, 2016. On December 13, 2016, we received your payment of $558.66 which satisfied your November 2016 payment. On December 23, 2016, we received your payment of $457.08 which satisfied your December 2016 payment. As of December 28, 2016, your auto loan is due for your next payment of $507.87 on January 28, 2016. You also mentioned that you have been trying to enroll in Auto BillPayer. A review of our records shows that as of December 28, 2016, Auto BillPayer is waiting on your completed enrollment form. You had informed me that a new form was being sent to you; however, I have enclosed a copy of the form in case you have not received it. You may send the completed form to me at the following address: Fifth Third Bank Office of the President Attn Elizabeth Draper 5050 Kingsley Drive MD 1MOCOP Cincinnati OH 45263 You may also fax the completed enrollment form to me at 513-358-3493. Once I have the completed enrollment form, I will ensure that it is forwarded to Auto BillPayer to set up your automatic withdrawals. If you have any questions regarding your Auto BillPayer enrollment, please contact Auto BillPayer at 800-837-2000, Monday through Friday, 8 a.m. to 5 p.m., ET. You also mentioned in your rebuttal that you did not take out a loan with Fifth Third Bank. In order to research this matter further, we will need additional information. You may contact me at either number below, by mail at the address above, or by fax at the number listed above. I will be happy to assist you. Thank you for your patience while we conducted our additional research. 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 513-358-1813, or toll free at 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth Draper Office of the President Pc: Revdex.com Enclosure: Auto BillPayer Enrollment Form

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

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.   
Nothing has been done to shorten the hold on depositsI will no longer use this institution for timely transactions
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. 
Regards,
[redacted]

[redacted] Attention: [redacted] Date:       July 21, 2015 Account:          [redacted] Regarding Your Business Checking Account Dear [redacted]: We received a copy of your...

complaint filed with the Revdex.com, concerning your Fifth Third Bank business checking account. We appreciate the time you have taken to bring this matter to our attention. We understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience these matters have caused you. We regret that due to the volume of overdrawn accounts, we do not make out bound calls to notify customers of overdrafts situations. To assist you with monitoring your accounts, our toll-free Telephone Banking system is available twenty-four (24) hours a day at ###-###-####. It should also be noted that you are able to access your business checking account online at www.53.com. The first step to accessing your business checking account online is by going to our website at www.53.com. Once there, click on “First Time User” and follow the prompts to get logged in to the site. For additional information or for assistance, please call our Customer Service Department at ###-###-####. Our Customer Service Department is available to assist you Monday through Friday, 7 a.m. to 8 p.m., ET. They are available on Saturday, 8:30 a.m. through 5 p.m., ET. They are closed on Sunday. The fees applicable to business checking and savings accounts are disclosed to customers on www.53.com and in the Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards booklet. Upon opening your business accounts with the Bank, you should have received a copy of this booklet. I have enclosed a copy of the booklet for your review. On May 19, 2015, the balance in your business checking account was $145.19. One (1) check for $400.00 posted to the account that day, creating an ending balance of negative ($254.81). Due to non-sufficient funds, one (1) overdraft fee of $37.00 was assessed. The ending available balance was negative ($291.81). The business checking account remained overdrawn from May 19, 2015 through June 12, 2015. During that time, daily overdraft fees and additional items continued to post causing further overdraft fees on your account. On June 16, 2015, the balance in your business checking account was $953.19. One (1) check for $1,300.00 posted to the account that day, creating an ending balance of negative ($346.81). Due to non-sufficient funds, one (1) overdraft fee of $37.00 was assessed. The ending available balance was negative ($383.81). The business checking account remained overdrawn from June 16, 2015 through June 26, 2015. During that time, daily overdraft fees continued to post to your account causing further overdraft. We sympathize with the difficulties you have encountered with your account. In the interest of customer service, we reversed a total of $74.00 in overdraft fees on June 26, 2015. On July 21, 2015, we waived an additional $76.00 in overdraft fees. However, we are unwilling to reverse the entire amount of overdraft fees charged. Our records do not show that overdraft protection has been requested or established for your business checking account. If you are interested in establishing overdraft protection for your business checking account ending in [redacted], please visit the Fifth Third Bank location of your choice. 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 PresidentPc: Revdex.com

FIFTH THIRD BANK
October 3, 2014
[redacted] [redacted]
[redacted]
RE: Checking Account xxxvoc[redacted]
Dear Mr. [redacted],
We
received the complaint you filed with the Revdex.com regarding the
monthly service charges that were assessed to your checking...

account. We
appreciate the time you have taken to document your thoughts and concerns
regarding this matter.
Your
comments expressing less than quality customer service are very concerning. We
strive to provide accurate and professional service to our customers and I
regret if this is not the level of service you received. Please be assured that
I have contacted the relevant parties and expressed your dissatisfaction
regarding the service you received and passed along your concerns.
On
August 11, 2012, you opened an Essential Checking account and a Goal Setter
Savings account. On August 13, 2012, you funded these accounts with $[redacted]
into your checking account and $[redacted] into your savings account.
Our
Essential Checking account has an $[redacted] monthly service charge that is
automatically waived if you keep a combined balance of $[redacted] or more in
your depository accounts with the same ownership. This charge is waived for
students and members of the military. Additionally, this charge is waived for
Membership Advantage members as long as your checking account has direct
deposits totaling $[redacted] or more during the last thirty-five (35) days from
the date your statement is produced.
During
account opening, your checking account included our student discount and was
included our Membership Advantage Package due to your employment at [redacted]
[redacted]. The student discount is available for one year at which time
you must prove your status as a student in order for the discount to be
renewed. Statements for your checking account were mailed to the address on file each month through
August 2013. These statements indicated that the monthly service charge was
waived due to your status as a student. Your August 2013 statement indicated
that your account was dormant as there was no activity within the past year.
Once an account is dormant, statements are only mailed at the end of the year,
or when activity resumes on the account. The charging of monthly service fees
or crediting of interest is not considered activity. Your next statement, in
December 2013, indicated that your student discount was expiring on December
31, 2013, and to contact your nearest Financial Center if you were still a
student to have the discount renewed.
FIFTH THIRD
BANK
Starting
in January 2014, the $[redacted] monthly service charge started to be assessed to
your checking account as you no longer received the student discount and did
not have a direct deposit in order to have the charged waived as part of Membership
Advantage Package. This monthly service charge has been assessed each month
since January 2014.
On September 26, 2014, you contacted the Bank regarding the monthly services
charges that were assessed. At that time, the balance in your checking account
was $[redacted] and the balance in your savings account was $[redacted]. We waived the
last (2) monthly service charges on your checking account to bring the balance
to $[redacted]. The $[redacted] in your savings was withdrawn and the savings account was
closed.
I understand your concerns regarding the monthly service charges that were
assessed to your account. However, these monthly service charges were assessed
correctly. In the event that you were a student during 2014, please send
documentation, such as a course registration list or transcript, to my
attention at the address listed below:
Fifth Third Bank — Office of the President
ATTN [redacted]
[redacted]
Alternatively, you may fax this documentation to my attention at
[redacted]
If
you were a student during 2014, we are willing to refund the monthly service
charges you were assessed. At this time, your account remains open with a
balance of $[redacted].
We sincerely hope
you reconsider closing your account. If I can be of any further assistance,
please contact me at [redacted], or toll free at [redacted].
[redacted]
Consumer Support Specialist 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.  I will never be satisfied until I get a full refund of the overdraft fee charges that occurred to my account twice for $37.00 each totaling $74.00 Fifth Third Bank refunded my account $24.00 but that is not acceptable that is only a 32% refund on charges that Fifth Third Bank authorized without my approval which then led to over draft fees. I called them one time about it and I told them not to allow any funds to be taken out of my account and all I got was grief, disrespectful attitude from the manager. She also told me that she did not care that there was not enough funds in my account to cover charges and she would gladly access overdraft payments every single time. I asked her on that day, if I come into your branch on my lunch and make my account positive could she removed the overdraft fee and she said no. She was blunt and made no effort whatsoever to try to accommodate Fifth Third Bank's customer. Honestly, I felt harassed and that is what ultimately led me to complain. Nobody should be disrespected when trying to do business with a bank and I have been disrespected by her on multiple occasions. So since I called the first time and nothing was done, Fifth Third Bank knew where I stood about the situation and they then allowed the same thing to happen to me via [redacted]. I have spoken with [redacted] and I have a letter stating I spoke with them and they would like my overdraft fee refunded because they were unable to stop the payment at the time.
I will reject every single proposal until I get a full refund of my $74 in bank overdraft fees. I am not accepting anything less. I personally feel due to the disrespect and harassment that I received on multiple accounts I should receive more than that but that is not what I am asking for.
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]

October 9, 2014
[redacted]
[redacted]
Re: Checking
Account[redacted]
Dear Ms. [redacted],
We received a copy of your complaint filed with
the Revdex.com regarding the overdraft fees assessed to your
checking account. We appreciate the time you...

have taken to document your
thoughts and concerns regarding this matter.
Your comments expressing less than quality
service are very concerning. On behalf of the Bank, we would like to offer our
sincere apologies for any inconvenience this matter may have caused you. Please
be assured that we have contacted the management staff at the West[redacted]
Financial Center to express your dissatisfaction with the service you received
and passed on your concerns. We strive to provide professional and accurate
information to our customers and we sympathize with the difficulties you
encountered regarding your account.
Some of our deposit accounts have overdraft
coverage, which allows a customer to access funds beyond the balance in their
account. This feature was designed to allow for emergency cash needs which you
had the option to choose whether or not to have overdraft coverage on your
account for ATM (Automated Teller Machine) transactions and one-time debit card
transactions. On January 23, 2013, we confirmed that you accepted overdraft
coverage on your account for ATM and one-time debit card transactions via
telephone. Our records indicate that on October 1, 2014, you went online and
chose to decline the overdraft coverage. I have confirmed that this feature has
been declined on your account for ATM and one-time debit card transactions
effective on October 1, 2014.
To assist you with monitoring your account, our
toll-free Telephone Banking system is available twenty-four (24) hours a day at
[redacted]. Our Customer Service Professionals can be contacted at the same
telephone number and are available Monday through Friday from 7:00 AM to 8:00
PM Eastern Standard Time (EST), and on Saturday from 8:30 AM to 5:00 PM EST.
You can also access your account information at an ATM, on our Internet Banking
website at www.53.com, and on your mobile device through our Mobile Banking service
through 53.mobi. Additionally, a free account alert can be sent to up to four
(4) e-mail addresses and one (1) mobile device when your account balance falls
below an amount that you specify. Please note, text message charges may apply.
Please contact your mobile service provider for details. These alerts can be
setup through our Internet Banking at www.53.com.
If your available balance is not sufficient to
cover items that post to your account, the posted items may be returned unpaid
and subject to overdraft fees. The per item overdraft fee is based on the
number of occurrences in the last twelve (12) months. For the first occurrence,
you will be charged $[redacted]per item. For any additional occurrence, the charge
is $[redacted] per item. Should the account become overdrawn, we also send an
overdraft notice via standard mail to inform you of the occurrence, which
includes a detailed breakdown of the day’s transactions. I have enclosed a copy
of our Rules & Regulations handbook that you received and agreed to when
signing a signature card to open the account. Pages 2, 11, and 12 provide
additional information regarding overdraft and the related fees.
Your account was most recently overdrawn on September 29, 2014,
when the beginning balance in your checking account was $[redacted]. Nine (9) debit
transactions totaling $[redacted] posted to the account that day, creating an
ending available balance of negative ($[redacted]). Since your account balance was
not sufficient to cover six (6) transactions that posted and you had accepted
Overdraft Coverage, your account was charged six (6) overdraft fees of $[redacted]
each on the next business day.
On September 30, 2014, the balance in your
checking was negative ($[redacted]). Five (5) items totaling $[redacted] posted to your
account. Your ending balance was negative ($[redacted]). Four (4) overdraft fees
totaling $[redacted] were assessed to your account and posted the following day.
Additional transactions have posted to your account since then and as of today,
the balance in your account is negative ($[redacted]).
It is important to ensure your account has
enough funds to cover all of the transactions you have authorized. As a valued
customer, we have reversed a total of $[redacted] in overdraft fees within the past
four (4) months. Therefore, we are unwilling to waive any additional fees, as
you have requested.
You may want to consider adding overdraft
protection to your checking account. We offer several types of overdraft
protection. We can connect a second existing account such as a savings account,
or you can apply for a credit card or equity line, which can be connected to
your checking account in order for funds to be automatically transferred in
case of an overdraft situation. [redacted], Financial Center Manager at the
West [redacted] Financial Center, has requested that you speak to him directly
regarding your account. He would be happy to further explain or set-up
overdraft protection for your account. He can also assist you in setting up
alerts that can be sent to you via text or email to inform you of your account
balance. Please contact the West [redacted] Financial Center and speak to [redacted]
[redacted] regarding your account. Please call the Financial Center at your earliest
convenience at [redacted], Monday thru Thursday from 9:00 AM until 6:00 PM
EST (Eastern Standard Time), Friday from 9:00 AM until 7:00 PM EST or Saturday
from 9:00 AM until 2:00 PM EST.
Ms. [redacted], please be assured that it was not our intention to
cause you any frustration or undue hardship. You are a valued customer and we
look forward to serving your financial needs in the future. If I can be of
further assistance to you please contact me at [redacted]
[redacted]
[redacted]
Consumer Resolution Specialist Office of the President
Pc: RevDex.com
Enclosure: Rules
and Regulations handbook

Revdex.com:
This was not a [redacted]" transaction.  This was transferred from my credit union account to my 5/3 account under what's call "[redacted]".  I don't understand how or why 5/3 stated it was a [redacted]transfer.  Also can 5/3 tell me why a curtailment payment to my mortgage loan was applied as "unapplied credit" when I stated on the transfer to apply to the principle?  I've heard a lot of excuses, but lately I am starting to think this is bad business practices.
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.[To assist us in bringing this matter to a close, we would like to know your view on the matter.]Regards,[redacted]

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 do  accept that after looking at the records that they did mail me another check  for the amount which I did cash- but I still incurred $24.00 in fees for the initial checks they mailed me , so I am requesting the re-imbursement of $24.00 to me. I don't know why they mailed the amount in question twice to me -i did not request it.  But I should not have to pay fees for their mistake. 
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: March 14, 2016 Account: [redacted] Regarding Your Revdex.com Complaint Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding...

your Fifth Third Bank accounts. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. Our research determined the transactions conducted by a third party on your checking and savings accounts were initiated by your designated power of attorney. On September 25, 2013, [redacted], visited the [redacted] Bank Mart and provided the manager with the enclosed POA document, which authorizes her to conduct banking transactions on your accounts. I have also enclosed copies of your account statements, and withdrawal tickets for the applicable time period. In your complaint you mentioned that there were unauthorized ATM (Automatic Teller Machine) transactions on your checking account. It should be noted, that there was a dispute filed regarding the $900.00 in ATM withdrawals. The dispute department opened a case (#[redacted]), and you were provided provisional credit for the four (4) ATM transactions on June 6, 2013, while the investigation was pending. Our investigation determined the transactions were done by a woman, who had also made a number of withdrawals in the past that you did not dispute. This women was determined to be your mother and power of attorney. Therefore, the provisional credit was removed from your account on June 10, 2013. I hope this correspondence cleared up any outstanding questions you had related to this issue. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President

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.  They did credit me for one transaction that was their mistake. I believe when you close an account it should be closed no one should be able to make transactions on the account. They also stated that I didn't have overdraft protection. Which I did before I closed the account. Also would like them to send you the statements from around [redacted] time. Mine and my fiances checks go into my account and he gets paid on Wed. at midnight his check didn't post until Friday! So shopping on [redacted] thinking there was money in my account and there was not and they charged a bunch of overdraft fees for this as well. Also my recent statement I was charged a monthly service charge of 12 dollars which I have never been charged for the whole time I have had this account. Just needs looked into further because I think they are trying to fee everyone to death and it's not fair. Regards,[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and while I am NOT AT ALL satisfied with this particular response, I accept that Fifth Third Bank does hold all the power in this matter and will not change its position.  It is a sad reflection about this bank in that it would bend over backwards for an account holder with a much higher net worth to retain their business, but I have come to expect this from the business community in general.  I just hope that, should the day ever come where the respondent is in a similar situation or worse, they are treated with much more compassion that I was. 
Regards,
[redacted]

[redacted] Date: February 29, 2016 Regarding Your Inquiry Removal Request Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your inquiry removal...

request. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, I apologize for any difficulties or concern this situation may have caused you. However, we stand by our previous correspondence dated December 2, 2015. Our position on this matter has not changed. You previously advised the Bank that the inquiry we processed on May 7, 2014, was unauthorized. However, our research determined that you submitted an application for a vehicle installment loan at the [redacted] dealership in [redacted], [redacted]. The dealership submitted your application to Fifth Third Bank, which we denied. Please note that it is a typical dealership practice to submit an applicant’s application for credit to multiple lending institutions at the same time. For your reference, I have enclosed a copy of our previous correspondence. If the application was submitted in error by the dealership, they will need to provide us with a letter documenting their error. The dealership representative can send the requested letter to the following address: Fifth Third Bank Office of the President Attn: Shawna T. 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, this signed documentation can be faxed to my attention at: ###-###-####. If you would like to contact the credit bureaus directly, the contact information can be found below: Equifax ###-###-#### Experian ###-###-#### TransUnion ###-###-#### Innovis ###-###-#### If the application was submitted to the dealership in your name fraudulently, please contact your local law enforcement. They are able to assist you with completing the necessary documents for any fraud that may have occurred. If you have already filed a police report and have a copy of it, please fax a copy to us and we will have the inquiry removed. As of February 26, 2016, we have not received a letter from the dealership stating the application was submitted in error, nor have we received a copy of a filed police report regarding a fraudulent application. In your correspondence to the Revdex.com, you stated that Fifth Third Bank completed an inquiry into your credit report for a mortgage loan. We completed a thorough review of our systems and determined that we have never processed a mortgage loan application in your name and we have not submitted an inquiry into your credit report for a mortgage loan. We also verified that we have not completed any inquiries into your credit report other than the May 7, 2014, inquiry. If you have a copy of your credit report that shows an additional inquiry by Fifth Third Bank, please send the documentation to the Bank using the information provided above. I would be happy to further research your concerns. 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: Previous Correspondence