Fifth Third Bank

[redacted], I have read the most recent rebuttal from [redacted] and he does not provide any new information from his previous rebuttals.Our position on this matter has not changed. We have been requesting a copy of the Declaration Page showing proof of comprehensive coverage for several months. We have contacted [redacted] directly numerous times and have been provided the same information each time.  I can assure you that his insurance agent has not attempted to contact me directly, as requested in my previous responses. I would be happy to speak to his insurance agent.  My direct phone number has been provided in each of my responses. We still consider this issue closed and will no longer respond to [redacted] unless new information is received from him or his insurance company. Thank you, [redacted]| Fifth Third Bank Customer Care Specialist II| Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263P: ###-###-#### F: ###-###-#### email: [redacted]

[redacted] Date: August 31, 2016 Application #: [redacted] Regarding Your Mortgage Loan Application Dear [redacted]: We received your additional complaint filed with the Revdex.com regarding your mortgage application. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We have reviewed your additional concerns regarding the application fee. We apologize for any difficulty or concern this may cause you; however, we stand by the response conveyed to you in our previous letter dated August 22, 2016. For your reference, I have enclosed a copy of our prior correspondence. Per our previous correspondence, the application fee is charged for processing the application. As indicated on the pricing agreement, “This loan processing fee does not represent a pre-payment of specific closing costs. It does, however, represent a pre-payment of a portion of the total settlement costs. Assuming your loan application is approved, this prepayment of settlement costs will be applied towards your total costs due at closing your transaction. If your application is not approved, is withdrawn, or is approved and does not close, you will NOT be entitled to a refund of any fees paid including but not limited to the loan processing fee and long term rate lock fee.” For your reference, I have enclosed a copy of the pricing agreement. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W.Office of the President Pc: Revdex.com Enclosures: Prior Correspondence, Pricing Agreement

I have filed a complaint with the Revdex.com regarding two transactions on my prepaid Fifth Third account I've called and left a voicemail for Allison S. of Fifth Third Banks corporate office. She called and left me a voicemail the other day advising me she was investigating more into...

this matter. I have not heard back from her since my voicemail on yesterday June 23rd 2017 there are two erroneous charges on my prepaid card I disputed  the first one in the amount of $42 and some odd sense at a restaurant on the southside of [redacted] subsequently I noticed that there was also a $35 charge for a nail salon also on the southside of [redacted] I have asked 5th third to look at my transaction history I do not live neither do business on the southside of [redacted]. The restaurant charge that is erroneous is for a Mexican restaurant I do not eat Mexican food they will not see any charges from a Mexican restaurant including [redacted] on my transaction history the subsequent $35 charge was for a nail salon on the southside of [redacted]. Although I do get my nails done I have a designated shop of which I go to which is closer to my home versus traveling to the south side of [redacted]. I feel as if Fifth Third is treating me like I am the criminal instead of seeing I've never had any previous disputes with them. I've been a content customer until now. Even 5th 3rd shut down my regular debit card just a week to two weeks prior to this happening due to an erroneous [redacted] charge that was on my checking account debit card they immediately reversed it but in the meantime still inconvenience me by shutting that debit card down and not advising me what was going on so when I went to try to make transactions my card kept coming up declined but now I feel like I'm being treated as if I'm the criminal. on the prepaid card when I'm disputing these charges because they're totaling over $70. When I contacted the fraud department in open the case initially to file the dispute on the initial charge of $42 and some change from the restaurant on the Southside they advised me I would get a provisional refund of the money within 7 to 10 days now it has been over 2 weeks and I feel like they're holding up my refund and punishing me because I've contacted the Revdex.com. If there's anything that you can do to try to expedite an assist me in this matter I'm more than appreciative.Sincerely,[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. 
As of today, July 21st, we have yet again been a witness to how your bank services its clients. My husband, Larry [redacted], received a phone call from Fifth Third stating they have not received our check. The check was sent July 10th after we tried to make a payment over the phone and was told we could not. Please listen to this recording. Matter of fact, please listen to all of them. If you do, you will hear each of your employees telling us a different story every time we've called. We've sent two checks both of which we have copies and forwarded one to you and "you have not received them." Had you received and processed the check properly that was sent prior to my due date, none of this would have occurred. The check you processed in the 24th is the original check we sent prior to our due date. Please explain how it takes at least three weeks for you to get and process a payment. If you had fixed the issues when I brought them to your attention, the payoff amount you issued to our bank, would have been correct and I would not be making EXTRA payments. If the business would have handled it properly without making countless mistakes, we would still have the loan with you. Our bank states it is illegal for you to with hold the lean release after you have cashed the payoff check. Not only are you tarnishing my credit and my husbands, but you are affecting our bank. I will not be sending you another check since I've sent several and it seems to be there is an error within your processing system. If you feel the need to take this further, be my guest. I will contact the creditors myself and fight it. Oh and please Google Fifth Third reviews... This isn't just a problem that has happened once. Revdex.com I would be glad to send you all information I have so this matter is resolved not only for me but others as well.
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 sent the voice recording as requested and have received no follow up or response, it's been more than a week and I am somewhat frustrated. Would like a followup response. Thank you.
Regards,
[redacted]

[redacted] Date: January 12, 2016 Account: [redacted] Regarding Your E-Access Checking Account Dear [redacted]: We received a copy of the follow up letter you sent to the Revdex.com regarding your E-Access Checking account. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As was explained in my previous response, 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 purchases, in the order in which they are received. 3. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges in the order of the largest amount to the smallest amount. Fifth Third Bank ATMs are provided as a convenience to our customers. Since we cannot ensure that all of our ATMs will be available for use at all times, it is important to ensure that you have sufficient funds in your account to cover transactions you authorized. According to my research, any ATM issues or issues with our Frankfort-West Banking Center have been addressed appropriately and in a timely manner by the Bank. I also want to apologize for any inconvenience you experienced when our Frankfort-West Banking Center was being remodeled. Also according to my research, the previous overdraft fee reversals on your account during the last twelve (12) months were performed as courtesy fee reversals. As was also previously explained to you, it is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. If we receive a request to reverse fees as a customer courtesy, we are only able to reverse a limited amount of fees within a specified period of time. The reason for this policy is that it allows us to treat all customers fairly and equally. Pursuant to your previous fee waiver requests, we have reversed $74.00 in overdraft fees over the past twelve (12) months, as a courtesy to you. According to the Bank’s policy regarding overdraft fee reversal requests, additional courtesy fee reversals are not warranted to this time. If I could be of further assistance to you, please call me at ###-###-####, or toll free at 866-360-5353, 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. 
Regards,
[redacted]

[redacted] Date: October 30, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received your email to the Bank, as well as a copy of the complaint you filed with the Better...

Business Bureau regarding your mortgage loan. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning and have been addressed and forwarded to the appropriate personnel. On behalf of the Bank, I apologize for any inconvenience this issue may have caused you. When a customer contacts the Bank, we expect each situation will be handled in a professional manner. I apologize that this was not what happened when you initially contacted us and we expect that this will not be the case in the future. We were able to further research your concerns regarding the three (3) transfers that were made to your mortgage loan on October 15, 2015, each in the amount of $460.00. On October 19, 2015, we reversed two (2) of the three (3) transfers from your mortgage loan to your checking account ending in 3423. The total amount refunded was $920.00. We have also confirmed that no overdraft occurred as a result of this matter. As of today, your mortgage loan is currently due for payment on November 1, 2015, in the amount of $454.86. We apologize for any difficulty or concern this may have caused you. In addition, we have further researched the error message you were provided when attempting to complete the transfers. When a transfer is successful, there is a response message provided to you by the mobile application indicating such. In this case, the success message timed out before it was able to be displayed to you. Because the successful message did not reach its destination, the transfer was retried a second and third time. Thank you for taking the time to bring this matter to our attention. We appreciate your feedback as it helps us to improve our service to you. Please be assured that we are making the necessary changes in our system to fix this issue. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at [redacted], or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W. Office of the President Pc: Revdex.com

[redacted] Date: November 4, 2016 Regarding Your Privacy Concerns Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your privacy concerns. 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 distress you experienced when you received a call from Alexis S., Personal Banker, on October 20, 2016. We certainly did not intend to cause you any hardship. Our records show that because you opted out of marketing communications and information sharing on May 10, 2016, the call was made in error. Please be assured that Fifth Third Bank takes protecting your personal information very seriously. In order to better ensure that you do not receive future marketing calls, we have placed notes on your profile indicating that you do not wish to receive these calls that will be visible to all employees in the Bank. Thank you for your patience while waiting for a response. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] [redacted] [redacted] Date: April 14, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your 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. I confirmed that your account was opened with a promotion to receive a $100.00 bonus five (5) business days after receiving a direct deposit of at least $100.00. The direct deposit needed to occur within sixty (60) days of the date the account was opened. Your checking account was opened on September 22, 2014. You received your first (1st) direct deposit on October 2, 2014, totaling $837.78, which was within sixty (60) days of the account open date. The $100.00 should have been credited to your account on October 9, 2014, which was five (5) business days after October 2, 2014. Unfortunately, your account was not credited. Due to the transaction activity on the account, the account reached a balance of negative ($179.93) on December 19, 2014. We assessed a $30.00 charged-off account fee on December 26, 2014, and charged off the negative ($209.93) balance owed. We reported the account activity to [redacted] and sold the account to the third (3rd) party collection agency, [redacted]. I reviewed the account and determined that if the $100.00 bonus had credited correctly, the account would not have had a negative balance on December 26, 2014, and would not have been charged off. The account would have had a $15.28 balance on December 26, 2014. Please be assured that we have deleted the information from your [redacted] record regarding the account. We attempted to buy the debt back from [redacted]; however, [redacted] advised you already settled the account for $125.95. Because you already made payment to settle the account, enclosed is a check for $141.23. This amount covers the $125.95 you paid to Diverse as well as the $15.28 balance that would have been in the account on December 26, 2014. Please allow approximately thirty (30) days for [redacted] to delete the information about your account. If you would like to contact [redacted] directly, they can be reached at ###-###-####. Please feel free to use this correspondence as proof that we deleted the [redacted] record. 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: Check, Statements and Notices

[redacted] response attachedWe received a copy of your complaint filed withthe Revdex.com regarding your checking account. We appreciate thetime you have taken to document your thoughts and concerns regarding thismatter, and we sympathize with the difficulties you have...

experienced.On behalf of the Bank, please accept my sincere apologies for the level of service you received fromour Customer Service Department. Please be assured Fifth Third Bank takes thesematters seriously, and we strive to provide an exceptional experience to ourcustomers. After receiving your letter, I thoroughly researched this matter andforwarded your concerns to the relevant parties in our Customer ServiceDepartment. I also want you to know that customer concerns are reviewed by our senior and executive management teamsas part of our ongoing commitment to improving our customers’ satisfaction. However,I cannot inform you of any specific internal actions that may be taken.On January 21, 2015, youcalled our customer service department regarding the online bill payment thatyou scheduled on January 2 , 2015, for [redacted] Properties in the amount of$575.00 with a delivery date of January 8, 2015. You requested the call representativedo additional research to determine why the check had not been cashed yetbefore deciding whether or not to place a stop payment on the item. Our callrepresentative followed up with you on January 23, 2015 with additionalinformation, but was unable to reach you by phone or leave a message. Ourresearch indicated that [redacted] Properties received the check on the originaldelivery date, January 8, 2015, but was unable to process due to system issuesthey had been experiencing. The check was cashed on January 26, 2015 and postedto your checking account on January 29, 2015. I have confirmed that you did notreceive any overdraft fees as a result of the item posting to your checkingaccount.For future reference, please visit www.53.com, for additional information about how to cancel an onlinepayment. If you have scheduled an onlinebill payment that still shows the status as “Scheduled,” then you can cancelthat payment as outlined in the enclosed information I have printed fromour website.I apologize for any inconvenience this may havecaused. Please be assured that it was not our intention to cause you anyfrustration. However, in the interest of customer service, we have creditedyour account $148.00 in overdraft fees that were previously assessed onFebruary 2, 2015 and February 3, 2015.Ms.[redacted], thank you for your patience while we researched this matter for you. Wetruly value your business, and we look forward to continuing our bankingrelationship with you. If I could be of further assistance to you, pleasecontact me directly at [redacted]

We have already responded to this customer twice regarding this same issue.This additional rebuttal does not provide any additional information, so we stand by our previous two responses to this customer.Thank you,Lisa S.| Fifth Third Bank Consumer Resolution Specialist| Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263P: ###-###-#### F: ###-###-#### email: [redacted]

We received a copy of your complaint, filed with the Revdex.com, regarding your Fifth ThirdBank checking account. We appreciate the time you have taken to express yourconcerns regarding this matter.On behalf of the Bank, we would like to offer our sincere apologies for any...

inconvenience this matter may have caused you.Please be assured that it was not our intention to cause you any frustration.The account transactions listed on www.53.com , are in numerical order of largest to smallest. This isto make account reconciliation straightforward for customers. Customers alsohave the ability to change the manner in which account transactions aredisplayed on www.53.com by clicking on the Date, Debit (-), Credit(+), Check, Description, or Balance tabs above the account transactions. Thetransaction order listed on www.53.com is not indicative of the order in which the account transactionswere processed. I apologize if you were not aware of this in advance.Please note that the Bank processes transactions at the end of each business day and we do not process transactions on Saturday,Sunday or Federal Holidays. Transactions that post to your account areprocessed in the following order:·        Credits anddeposits made prior to the end of day cutoff time (according to our FundsAvailability Policy)·        ATM transactionsand debit card transactions in the order they took place·        All other debitsincluding checks, and electronic bill payments, in the order of highest amountto lowest amount·        Fees and servicecharges in the order of highest amount to lowest amountPlease note that this posting order may changedue to circumstances beyond the Bank’s control, such as changes or disruptionsin network processing or processing delays by a third party. This posting orderis the same whether you accept or decline Overdraft Coverage for ATMtransactions and one-time debit card transactions.On November 12, 2014, thebalance in your checking account was $22.81. Three (3) transactions totaling$44.80 posted to the account that day, creating an ending balance of negative($21.99). Due to non sufficient funds a total of $74.00 in overdraft fees wereassessed. The ending balance was negative ($95.99). On November 14, 2014, oneoverdraft fee of $37.00 was waived in the interest of customer service.On November 21, 2014, the balance in your checking account was negative ($58.99). Your direct deposit of $738.80 wascredited to the account. Four (4) transactions totaling $714.13 posted to theaccount that day, creating an ending balance of negative ($34.32). Due to nonsufficient funds an overdraft fee of $37.00 was assessed. The ending balancewas negative ($71.32).On November 24, 2014, the balance in your checking account was negative ($34.32). Four (4) transactionstotaling $212.32 posted to the account that day, creating an ending balance ofnegative ($246.64). Due to non sufficient funds a total of $111.00 in overdraftfees were assessed. The ending balance was negative ($357.64).As stated above, our Consumer Contact Center waived $37.00 in overdraft fees and credited yourchecking account on November 14, 2014. On December 9, 2014, an additional$74.00 in overdraft fees were waived and credited to your account. However,your checking account still has a negative balance of ($283.64).I have enclosed a copy of our Rules andRegulations. Pages 11 and 12 provide additional information regarding fundsavailability and the overdraft calculation order.For your convenience, I have also enclosed a reference guide titled FifthThird Overdraft Solutions. This guide provides additional informationrelated to the overdraft fees that we assessed to your account. We also offerways to track your balance and manage accounts to help avoid overdraft fees onyour accounts in the future.Ms. [redacted], it was certainly not our intention to cause you any hardship. We sincerely hope this information will help you understand the Bank’sposition going forward and resolve your needs. If I could be of further assistanceto you, please call me at [redacted]. Sincerely,[redacted]
[redacted]Consumer Resolution Specialist Office of the President[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] I have not here from 53th bank in a good way but I have done something for myself and getting your company involved was a good thing and they have taking me off the check system thing so now I can open up a account with the credit union. Thanks a lot for your Help to make things right with me and the check system company.

This message is regarding Complaint ID # [redacted]- Fifth Third BankI am sending this message to ask why you closed the aforementioned complaint while I have specifically asked in the response for more information. The business’s only response only pertained to the deposit, not the fact they deliberately stopped sending any type of communications until the day before the complaint.The “issues” in the complaint are, in order of appearance (from the earliest message to the latest):The deposit. (Although I know that by this point, I am not likely to get this amount back, especially since you dropped the case with minimal evidence from Fifth Third. I am mostly pressing them at this point to admit wrongdoing.)The fact that I was not given any correspondence before the events of this started happening. Although I would normally let an amount as small as the case here go, I would at least like to have advance notice, which I was never given and Fifth Third has still yet to look into. Although they claim that they sent it, I can assure you I have not received any sort of “August 2016 Account Statement”.A smaller matter, Fifth Third has still only sent generic documents pertaining to standard accounts, nothing pertaining to student accounts. While I understand that they share many of the same rules and regulations, the clause associated with the student accounts (see the previous message for a URL) that no monthly fees would be accessed, or the “no fees period” (which supposedly waved any and all fees as long as I still attended the university that I signed up in, upon which it would convert to a standard or express checking/banking account) that was associated with the Fifth Third Branch where I opened this account.Of these, I asked for the third one specifically in the response message (which they will most likely not look into unless this case is re-opened), and the second was not addressed in the business response at all. So, please consider reopening this case so I can have an actual resolution, not a generic response. I will accept the resolution (even without the deposit) if they provide proof that it is not one of the fees waived in a student account or they admit wrongdoing for withholding mail correspondence before the fee started being accessed.Sincerely, [redacted]

[redacted] December 8, 2014 [redacted] 
[redacted] 
[redacted]0 Re: Enhanced Jeanie Card [redacted] Dear Ms. [redacted], We received a copy of the rebuttal filed with the Revdex.com regarding a disputed purchase that posted to your debit card. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. In response to your previous Revdex.com complaint, a rebuttal dispute was filed for the charge made by Skin in the amount of $89.95. The additional investigation into this transaction may take up to sixty (60) days to complete. Please accept my sincere apologies for the inconvenience and frustration this matter has caused you. However, the Bank follows a dispute procedure established by federal regulation and MasterCard itself. Regulation E controls the dispute process for debit cards like your Enhanced Jeanie Card. The regulation provides detailed procedures and deadlines for consumers, banks and other financial institutions to follow when a dispute is made against a transaction on an account. Please be assured that you will receive notification from our disputes department as soon as their investigation is finalized. Ms. [redacted], we appreciate the opportunity to respond to your additional concerns. You are a valued customer, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please call me directly at [redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the President Pc: Revdex.com

[redacted] Date: December 7, 2016 Account: [redacted] Regarding Online Payments Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com regarding...

your credit card payments. We appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Please find enclosed a copy of the Fifth Third Bank card agreement for your account and a copy of the last four (4) credit card statements and a screenshot of your online bill payment activity. Upon receiving your complaint, we contacted our internet banking department with your concerns. Our research has confirmed you have not set-up an automatic recurring payment for your Fifth Third Bank credit card. On September 14, 2016, the Bank issued your credit card statement indicating a balance of $119.11 with a minimum payment of $35.00 due by October 11, 2016. The interest rate for new purchases on this statement was 24.24%. Our research confirmed you set up a manual payment of $119.11 to your credit card on October 6, 2016. The online payment posted to your credit card on October 7, 2016. On October 14, 2016, the Bank mailed your credit card statement indicating a new balance of $146.23 with a minimum payment of $35.00 due by November 11, 2016. The interest rate for new purchases on this statement was 24.24%.Our research determined you did not set up a manual online payment prior to the due date. The Bank did not receive a payment prior to the next statement being mailed on November 14, 2016. Your November 14, 2016, statement indicated a new balance of $193.58, with a minimum payment of $70.00 due by December 11, 2016. The minimum payment included a past due amount of $70.00.The interest rate on this statement is 24.24%. Because you did not make a payment prior to the November 11, 2016, due date, you were assessed a $25.00 late payment and $3.32 in interest on November 14, 2016. On November 22, 2016, you set up two (2) online payments to your credit card. The payments both posted to your credit card the next business day. In addition you set up a payment with the Collection Department and an online transfer with your savings account. In total you mad $444.81 in payments. Please use this letter as verification that you have overpaid your credit card account by $251.23 If you would like information on how to set up a recurring online bill payment or transfer to your credit card account, please contact the Customer Service Department at ###-###-####, or myself at the telephone number below. A customer service representative will be able to assist you with setting up your payment. They are available Monday through Friday, 7 a.m. to 8 p.m.; Saturday 8:30 a.m. to 5 p.m., ET. In your complaint you mentioned that the Bank had imposed a penalty interest rate on your account. Please note page three (3) section twelve (12) item e, which states in part: Penalty APR for Payments Late by 60 Days or More. Subject to Applicable Law, we reserve the right to increase the APR to 29.99% (corresponding Monthly Periodic Rate of 2.49916%) on all new and outstanding Account balances each time we do not receive at least the Minimum Payment Due within sixty (60) days of its Payment Due Date. As noted above, your payment due on November 11, 2016, was not received by the due date; however, you did make a payment within sixty (60) days of the due date. There was no negative information reported to the credit reporting agencies regarding this late payment, and you were not assessed the Penalty APR. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. If I could be of further assistance to you please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosures: Statements MasterCard Agreement Online Bill Payment Activity

[redacted] Date: February 1, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your checking account. We appreciate...

the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. 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 researched this matter thoroughly and passed on your concerns to the relevant parties in the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. In the spirit of customer service, we waived the additional $62.00 in overdraft fees that were assessed to your account ending in [redacted] January 10, 2017, through January 12, 2017. I truly hope this resolution meets your satisfaction. I also want to help you understand how items are posted to your account and how fees are assessed to help you avoid overdraft fees in the future. Fifth Third Bank processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order: 1. Credits and deposits made prior to the end of day cut-off time and subject to our Funds Availability Policy. 2. Time-stamped debits, such as ATM (Automated Teller Machine) withdrawals and debit card purchases, in the order in which they are received. 3. All other debits, including checks and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges in the order of the largest amount to the smallest amount. Debit card and Automated Teller Machine (ATM) transactions are time-stamped debits and are pre-authorized by us at the time of card use and appear in your account as pending items until they are posted. Other debits such as checks and electronic bill payments are not pre-authorized by us and do not include a timestamp. Therefore, these items will not appear as pending during the day because they are collected during overnight processing. These transactions will post to the statement for the business day they were presented for payment from Fifth Third Bank, the day the payments were authorized by you to be paid. As the customer you are in the best position to know what checks and electronic payments were authorized by you and outstanding on your account. I have enclosed a copy of our current Rules and Regulations for your review. Pages eleven (11) and twelve (12) provide additional information regarding our transaction posting order. On January 9, 2017, the beginning balance in your account was $748.41. Two (2) credits totaling $0.09, and ten (10) debits totaling $953.12 posted to your account on that day. The debit items included six (6) debit card purchases, three (3) ATM withdrawals, and one (1) web initiated payment. Your account had a negative ending balance of ($204.62). When you viewed your account via Mobile Banking on that day, you would have seen the debit card purchases and ATM withdrawals as pending transactions on your account because those types of transactions are time-stamped. However, you would not have seen the web initiated payment as a pending transaction because those types of transactions are not time-stamped and do not appear in your account until they are posted at the end of the business day. Due to insufficient funds for the web initiated payment, one (1) overdraft fee of $25.00 was assessed and posted to your account the following business day. On January 10, 2017, your account had a negative beginning balance of ($204.62). Three (3) credits totaling $209.70 and three (3) debit items posted to your account on that day. The debit items included two (2) web initiated payments and the overdraft fee assessed for the previous business day. Your account had a negative ending balance of ($45.40). Due to insufficient funds for both web initiated payments, two (2) overdraft fees totaling $74.00 were assessed and posted to your account the following business day. Again, please keep in mind that you would not have been able to see the web initiated payments as pending transactions on your account because those types of transactions are not time-stamped. On January 11, 2017, your account had a negative beginning balance of ($55.40). One (1) ATM deposit of $10.00 was credited to your account and three (3) debit items totaling $84.48 posted to your account on that day. These items included one (1) debit card purchase, one (1) web initiated payment, and the overdraft fees assessed for the previous business day. Your account had a negative ending balance of ($129.88). Due to insufficient funds for the web initiated payment one (1) overdraft fee of $37.00 was assessed and posted to your account the following business day. On January 12, 2017, one (1) ATM deposit of $120.00 and two (2) overdraft fee waivers totaling $74.00 were credited to your account bringing your account to a positive balance. I have enclosed copies of the overdraft notices we sent to you for your review. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides information regarding the fees assessed to your account, Overdraft Protection options, and Overdraft Coverage options. Our records also show that you declined Overdraft Coverage for ATM and everyday debit card transactions which means if you attempt to authorize your debit card beyond the balance in your account the transaction will be declined. You have the ability to change your Overdraft Coverage preferences for ATM and everyday debit card transactions online at 53.com, at any Fifth Third Bank banking center, or by calling customer service at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. Thank you for your patience while we researched this matter for you. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Rules and Regulations, Overdraft Notices, Overdraft Solutions Document

[redacted] Date:       May 12, 2015 Account:       [redacted] Re: Account Dispute Dear [redacted]: We received a copy of the complaint you recently filed with the Revdex.com. We...

appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On January 20, 2015, we received your dispute for a missing $600.00 cash deposit at an Automated Teller Machine (ATM). As a result of the dispute, we processed a $600.00 provisional credit into your checking account on January 20, 2015. For disputes of this nature, the cash in the ATM is counted in order to verify that the amount of cash in the ATM balances with the transactions processed. When we counted the ATM where you state you made the deposit, we determined that the ATM did not have any extra cash in it that was unaccounted for. For this reason, your dispute was denied. Because the dispute was denied, the $600.00 provisional credit was removed from your account on March 3, 2015. When a provisional credit is removed from a checking account, the Bank will not assess any overdraft or returned item fees for five (5) business days from the date the credit was removed. The beginning balance in your checking account on March 3, 2015, was $144.21. The $600.00 was debited from the account that day, resulting in an ending balance of negative ($455.79). On March 4, 2015, an $89.00 Automated Clearing House (ACH) transaction to [redacted] processed on the account. The ending balance in your checking account on March 4, 2015, was negative ($544.79). Because this transaction processed within five (5) business days of the Bank removing the provisional credit, we did not charge an overdraft fee to the account. We processed the $11.00 monthly service charge for your Essential checking account on March 16, 2015. The ending balance in your account that day was negative ($555.79). On April 1, 2015, another $89.00 ACH transaction to [redacted] processed. The transaction was returned as unpaid the next day and because this transaction took place more than five (5) business days after we removed the provisional credit; we also assessed a $37.00 returned item fee. The ending balance in your checking account on April 2, 2015, was negative ($592.79). [redacted] processed another $89.00 ACH transaction on April 13, 2015. This transaction was returned as unpaid the next day on April 14, 2015, and a $37.00 returned item fee was assessed. We also processed the $11.00 monthly service charge for the account on April 14, 2015. The ending balance in your checking account on April 14, 2015, was negative ($640.79). As a result of the continued negative balance in the account, we assessed a $30.00 charged-off account fee and closed the account on April 28, 2015. The balance in the account at that time was negative ($670.79). We reported the balance owed to [redacted] and sold the account to the third-party collection agency [redacted].We have determined that because the ATM in question did not have extra cash inside that was not accounted for, the dispute denial is valid. I am sorry for any distress this may cause you. If you would like to make payment arrangements for the charged-off balance, please contact [redacted] at ###-###-####.You mentioned in your complaint that there was a $700.00 deposit missing from your account but that the deposit credited two (2) days later. The next deposit into your checking account after January 19, 2015, was a $510.00 cash deposit made inside the banking center on February 11, 2015. The funds were credited to your account the same day. The next deposit into your checking account was a $500.00 cash deposit made inside the banking center on February 18, 2015. The funds were credited to your account the same day. The February 18, 2015, deposit was the last deposit made to your account.Enclosed for your review are copies of the February 2015, March 2015, and April 2015, checking account statements and the two (2) deposit slips for your February 2015 deposits. If there is a $700.00 deposit missing from your account, please provide additional information and documentation, such as a copy of the deposit receipt, to me directly. I would be happy to further research your concerns. This documentation can be faxed to my attention at ###-###-####. Alternatively, the documentation can be mailed to me using the address listed below:Fifth Third BankOffice of the President [redacted]We appreciate your patience while we researched this matter and we value your business. If I can be of any further assistance, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, [redacted]Senior Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosure: Checking Account Statements (3), Deposit Slips (2)

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

Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns, and we sympathize with the difficulties you have experienced. On November 25, 2015, we received a deposit in the amount of $1,229.47, per our funds availability policy, $100.00 of this check deposit was immediately made available to you. The remaining $1,129.47 would not be made available to you until the following business day, which in this instance was November 27, 2015, due to the holiday. For additional details on the funds availability policy, please refer to page eighteen (18) of the enclosed Rules and Regulations. In addition, daily overdraft calculations are further explained on page eleven (11) of the Rules and Regulations, which explains the daily overdraft calculations and how debits and credits are assessed to your account. As detailed in this section, debits from the account are processed in the following order: ATM withdrawals, debit card purchases, online/telephone/mobile transfers, transfers such as online/automatic bill payments (ACH) and wire transfers, checks written from your account, and fees and service charges. We completed a review of the Essential Checking account ending in [redacted]. On November 27, 2015, we sent the enclosed overdraft notice to the address listed above, detailing the overdraft that occurred on November 25, 2015. The available balance at the beginning of the day was $283.10, and $100.00 was made available from the previously mentioned deposit, totaling $383.10. The debit card purchase, merchant payment, and ATM withdrawal that posted to the account on November 25, 2015, totaled $335.30; these three (3) transactions were not assessed an overdraft fee, as the funds were available. However, the three (3) checks were posted to the account, totaling $146.45, there were no available funds, and the account was overdrawn. Each of the three (3) checks were assessed an overdraft fee in the amount of $37.00, totaling $111.00. Our review of the account determined there was no error in assessing these fees. However, in the interest of customer service, on November 29, 2015, $37.00 of the overdraft fees were reversed and credited back to the account. Because there was no error is assessing the fees, we are unable to accommodate your request for additional fees to be waived. I am sorry for any frustration this may cause you and for any difficulties you may have experienced when contacting the Bank. Thank you for your patience while we researched this matter for 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, April Q. Office of the President Pc: Revdex.com Enclosure: Rules and Regulations, Overdraft Notice