Fifth Third Bank

[redacted], I have reviewed the second rebuttal complaint submitted by [redacted] concerning the $400.00 promotional credit for her business checking account. We stand by our prior responses dated November 2, 2015 and November 16, 2015. Our position on this matter has not changed and we are not willing to provide [redacted] with the promotional cash bonus because her account did not meet the requirements to qualify. We consider this matter closed and no additional correspondence regarding this issue will be sent.   Thank you, Danielle. S. | Fifth Third Bank Consumer Resolution Specialist | Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263(:###-###-####7: ###-###-#### *: [redacted]

Hi [redacted]: Unfortunately, the Bank has exhausted our research efforts on this matter and I have informed the customer of the same. While we have not satisfied the customer, the matter is considered closed. Let me know if you need anything further.Thank you,Alison S.Customer Care Team SpecialistFifth Third Bank | Office of the PresidentPhone: ###-###-####

Dear Revdex.com,
The response, provided by 5/3 Bank, in reference to complaint ID [redacted] is understood and accepted by me.  Please, consider this matter resolved.  Thank you, for your attentive assistance. 
With Sincere Appreciation,
[redacted]

[redacted] Date: February 10, 2016 Account: [redacted] Regarding the Closure of Your Checking Account Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com regarding the closure of your checking account. We appreciate the additional time you have taken to share your concerns regarding this matter. According to your rebuttal, you were not informed of the negative balance on the above mentioned checking account until you attempted to open an account at another financial institution. Our records indicate the mailing address for this account was [redacted] by [redacted], [redacted], [redacted]. I have enclosed the checking account statements that contain the overdraft activity as well as the related overdraft notices that were mailed. On October 14, 2015, this checking account was closed with a negative balance of $910.33. I have enclosed the letter that was mailed to advise you of the account closure. In the closure letter, we advise that Fifth Third Bank has the right to report the charged off account to [redacted] and the account will be sent for further collection proceedings. The account was sold to [redacted] for collection. If you would like any additional information related to the charged off account, or if you would like to set-up payment arrangements, you may contact [redacted] at ###-###-####. If [redacted] is willing to accept a settlement for the account, you may contact [redacted] regarding the status of your account, on the Internet at www.consumerdebit.com, via telephone at ###-###-#### or by mail at: [redacted], Consumer Relations, and [redacted] 
[redacted].When you called to inquire about the charged off checking account, you should have been advised that the account was sold to [redacted] for further collection proceedings. You would have been referred to [redacted] for further information related to the account. However, we could have provided you with details about the recent activity on the account, since you were a joint owner. I apologize that you were not provided with this information when you initially contacted the Bank. Thank you for your patience while we reviewed your additional concerns. We value your relationship and look forward to fulfilling all of your financial needs for years to come. If I may be of further assistance to you, please contact me directly at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com Enclosures: Checking account statements, overdraft notices, closure lette

[redacted] Date: December 13, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your installment loan account. We appreciate the opportunity to further address your concerns. On behalf of the Bank, I apologize for the frustration this situation has caused you. However, we stand by our previous correspondence dated November 21, 2016, and December 5, 2016, regarding the insurance payments to your loan and the payment history reported to the credit reporting agencies. Our position on this matter has not changed. For your reference, I have enclosed copies of our previous correspondence. We have no additional information to provide and consider this issue closed. 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 Enclosure: Previous Correspondence (2)

[redacted]
Re: Credit card xxxx-xxxx-xxxx-[redacted]
Dear Ms. [redacted],
We
received a copy of your complaint filed with the Revdex.com
regarding your credit card 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
have completed a thorough review of our records related. Your Platinum
[redacted] account ending in [redacted] was opened on January 25, 2007. The credit
card number associated with the line of credit was changed to an account number
ending in [redacted] in March 2012. The credit card number ending in [redacted] was then
replaced by the current credit card account number ending in [redacted] in November
2011. The original application for credit included both you and [redacted]
as joint applicants. At the time of application, we submitted an inquiry into
both of your credit reports and determined that we could approve the
application for credit. Mr. [redacted] is listed as the primary account holder and
you are listed as the user spouse. In our systems, the user spouse and primary
account holder have an equal ownership of the account and an equal
responsibility for any balances owed on the account. For this reason, the
account and any applicable payment information is reported to the credit
bureaus for both the primary account holder and the user spouse. Please be
advised that because more than seven (7) years have passed since this account
was opened, we no longer have a copy of the application for the credit card. I
apologize if you were advised by a Bank representative that you were not an
owner of the account, and I regret any confusion that this misinformation has
caused.
I
understand that you closed the credit card account but Mr. [redacted] was able to
later have it reopened. All owners of an account are able to make changes to
the account. As an owner of the account, you were able to request the account
be closed. However, it is possible to reopen a credit card account within sixty
(60) days of its closure date. Our records indicate that the credit card
account was closed on March 5, 2014. The account was then reopened on April 9,
2014. The credit card was closed again on April 10, 2014, and it was again
reopened on April 17, 2014. The credit card was closed again on May 24, 2014,
and it was then reopened on May 27, 2014. Please be advised that as of October
21, 2014, the credit card account is open and active. The outstanding balance
is $[redacted], but this amount does not include any finance charges that have
accrued since the last statement was issued. The account is current with the
next minimum payment of $[redacted] due by October 28, 2014. A copy of the most
recent credit card statement is enclosed for your reference.
I have confirmed that your divorce settlement does not
alter the ownership of this credit card account. Fifth Third Bank does not
change account ownership based upon a divorce settlement because the divorce
proceedings are a civil matter arising after the origination of the account.
Therefore, both you and Mr.[redacted]
are equally responsible for the account balance. You mentioned that Mr. [redacted]
has signed a notarized document stating he will close the account and be solely
responsible for the balance. As with a divorce decree, this signed
documentation does not alter the ownership of the account. We are unable to
remove this account from your credit bureau reporting and we are unable to
remove your name from the account. I regret any distress and frustration this
may cause you.
We appreciate
your patience while we researched this matter and we value your business. If I
can be of any further assistance, please contact me at [redacted]
Sincerely,
[redacted]
Consumer Resolution Specialist Office of the President
Pc: Revdex.com Enclosure: Credit Card Statement

[redacted] Date: March 28, 2017 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. I also appreciated...

the time you took to speak with me. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. As we discussed, a replacement card for the credit card account ending in [redacted] was ordered and sent to you by overnight mail. The card retained by the Automated Teller Machine (ATM) has been destroyed. The fee for the rush replacement card was waived to provide a positive resolution to this situation for you. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

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 have never addressed the letter I've provided from the GAP insurance company's legal department.According to a consumer complaint lawyer I've talked to, FIFTH THIRD BANK has no legal right to keep the money they collected after the car was totaled.  Yes, I received the 2 checks they provided of $68.86 and $161.02 trying to settle this matter; however they still owe me $115.56.  FIFTH THIRD BANK is the one who provided GAP with the payoff amount of the loan, so if the amount GAP provided was incorrect as FIFTH THIRD BANK claims in their letters, it is their OWN FAULT.  Their own employee told me I would receive back the payment made in December when the claim was settled.
Regards,
[redacted]

[redacted] Date: April 5, 2016 Regarding Your Revdex.com Complaint Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning a check that was returned unpaid...

to you due to it being fraudulent. We appreciate you taking the time to notify us of this and the information has been forwarded our Fraud Department. We would like to offer our sincere apologies for any inconvenience this matter may have caused you. While we are unable to provide you details regarding the Fraud Department’s investigation, or reimburse you for the check, we recommend contacting your local police department to further discuss the situation. They are able to assist you with completing the necessary documents for any fraud that may have occurred. We strive to provide professional and accurate service to our customers, and I apologize for any difficulties 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, Shannon K.Office of the President

[redacted] [redacted] [redacted] Date: January 11, 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. I also appreciated the opportunity to speak with you. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. Please be assured we have researched this matter fully, and passed your concerns on to the relevant parties within the Bank. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. You contacted Fifth Third Bank (“the Bank”) to dispute two (2) electronic checks that posted to your checking account without your authorization. Our Domestic Collections Department has opened the following claims and the necessary documentation has been submitted to the receiving banks to initiate recovery efforts. ** Case # [redacted] was opened for the $800.00 check that posted to your account on December 22, 2016. The claim was sent to [redacted] on December 28, 2016 and they typically take at l[redacted] ninety (90) days to respond to our collection request. ** Case # [redacted] was opened for the $342.56 check that posted to your account December 29, 2016. The claim was sent to [redacted] on January 6, 2017; however, [redacted] takes up to six (6) months to respond to our collection requests. Typically, the Bank does not issue credit for this type of disputed transaction before receiving the funds back from the other financial institution. However, upon review of the extended turn-around times from the other banks that are involved, we have made the decision to issue a provisional credit to your checking account. A credit of $1,142.56 was credited to your account on January 10, 2016, for your use until the claims are finalized. In addition, we have reversed the $99.00 in overdraft fees assessed to the checking account due to these items. If you have additional questions regarding the status of your dispute, our Domestic Collections Department can be reached at ###-###-####, option 2, Monday through Friday, 8 a.m. to 5 p.m., ET. Fifth Third Early Access is a line of credit used to assist our customers with short-term, financial emergencies, or unexpected financial needs. The Bank does not currently offer the Early Access product to new checking account holders. After further research, I was able to confirm that there is a procedure to open an Early Access advance feature on a new checking account when the old one is closed due to fraud concerns. I apologize that I was not aware of this when we first spoke. After the current checking account is closed, the new account is opened, and a new Early Access terms and conditions form is signed, we can proceed to activate the Early Access feature. There can be up to a three (3) day delay in activating the Early Access on the new checking account. As we discussed, I will communicate this information to the [redacted] Financial Center to facilitate matters when you visit them at the end of this week. You are a valued customer and it is certainly not our intention to cause you any hardship. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the opportunity to assist 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, Alison S.Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  The bank has offered to reinstate the card so that this particular blemish on my credit was removed. The card is still not open however, even though the card is closed fifth third continues to lower the credit limit whenever we make a large payment (which is every month as we consistently pay 4-5 times the payment) each time this happens my credit receives a negative report and lowers.This whole thing began with a misunderstanding. We were leaving town and paid a payment (several times the minimum) and because it was early it went into the previous month leaving us with a payment missed. I requested grace on this matter and with my initial conversations with 5/3 thought this would be taken care of.  After my last conversation I understand they are planning to let this stand.This has caused a 200 point drop in my perfect credit. Because of the late pay and their dubious practices of lowering the limit whenever we make a payment. I own a small business and this will now make it impossible to get a loan to open a new store. Why??? Because I made a payment (larger than requires) 2 days early. I get rules, but there needs to be exceptions. This will not be resolved in my opinion until the 40 day late is removed from my credit. This has had such a devastating effect on my business.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

[redacted] Date: September 13, 2016 Account: [redacted] Account: [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Better...

Business Bureau regarding your Fifth Third Bank checking account. We appreciate the time you have taken to express your concerns and for bringing this matter to our attention. Because you previously filed bankruptcy, we are sending this correspondence in response to a request that we received. This letter is not an attempt to collect a debt. We understand your frustration when this situation occurred; please accept our sincere apologies for any inconvenience this matter might have caused you. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. Please be assured that we contacted the relevant parties to fully research your account and passed on your concerns. On February 28, 2000, you opened the Free Checking account ending in [redacted] at our [redacted] Banking Center. You were the sole owner of the checking account. The account was closed and charged off with a negative balance on July 30, 2008. Please be aware that the Bank is not required to retain records of any transactions for more than six (6) years. Therefore, the Bank is unable to provide you with a statement or the negative balance at the time the account was closed. The account was reported to [redacted] and was also sent to collections. However, our research determined the account is no longer reporting to [redacted]. If you would like to contact [redacted] to confirm that our reporting has been removed, you may contact [redacted], on the internet at [redacted], via telephone at ###-###-####, or by mail at: [redacted], Consumer Relations, [redacted] 
[redacted]. We no longer service the checking account, and Fifth Third Bank is not contacting you in regards to this debt. Please note our research determined the account was sold to [redacted] on June 16, 2010. The Bank has been made aware that [redacted] is no longer in service or taking calls; however, they could have sold your account to another collection agency. In your complaint, you state that a debt collector has recently contacted you. You can ask them to provide written validation, or proof, of the amount they claim you owe before making any payment arrangements. You may also wish to provide them with your bankruptcy information so they can determine if the debt has been discharged. In addition, you reserve the right to send the collection agency a written request to cease and desist any future telephone calls regarding the outstanding debt. Please be aware that while they may no longer make telephone calls to you upon receipt of your written request to cease and desist, the third party may proceed with further collection efforts or judgment as an industry practice. Our research also confirmed you had an installment loan with the property located as [redacted] as collateral. The Bank charged off this debt on March 31, 2012. The principal balance at the time the account was charged off was $6,402.43. Please note, the Bank is no longer attempting to collect this debt, and has reported the loan as discharged in bankruptcy with a zero balance owed. We appreciate your patience while we researched this matter. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  The check does not show the entire amount that was removed from my checking account the total amount was $15,266.00 that was removed from both accounts. The problem that still exist is that the check I was informed, was not received by the courts and it is showing on my credit report as amount owed. Second, the remaining money that was removed $5,043.52 Fifth Third bank I was informed, they do not know what happened to it. I'm currently waiting for information from the courts to verify the information that was given.
Regards,
[redacted]

[redacted] 1[redacted] [redacted] Date: June 14, 2017 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 (Revdex.com) regarding your checking account. 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. As we discussed on June 12, 2017, the Dispute Resolution Department (DRD) has concluded the investigation for case [redacted]. Please find enclosed a copy of the letter sent to you on June 8, 2017, informing you that the case had been approved. During our telephone conversation you confirmed you had removed the refunded money from your checking account. As of June 12, 2017, the account remains open with a zero (0) balance. Any additional questions regarding your dispute can be addressed with our DRD. A Customer Service Representative is available at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m. Saturday, 8:30 a.m. to 5 p.m., ET. Please have your case number ([redacted]) available when talking with the agent. Once a year, you can receive a free copy of your credit report from the four (4) credit reporting agencies. 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 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, Patrick S. Office of the President PC: Revdex.com Enclosure: DRD approval letter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID[redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
While I appreciate the credit and the effort, I don't appreciate Fifth Third Bank charging additional overdraft fees.  Previously, the overdraft fee was much lower (as was the amount needed for deposits, etc.).  Over the past few years, fees have gone up along with the amount of money required for a deposit.  This is indicative of not-so-consumer-friendly banking.
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: May 4, 2017 Regarding Phone Calls You Received Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding phone calls you received from Fifth Third...

Bank. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the frustration you experienced regarding this matter. Please be assured that we have removed your phone number ###-###-#### from our systems and you will no longer receive phone calls from us. I am very sorry for the dissatisfaction you have experienced. I confirmed that on December 22, 2016, someone advised that your phone number was being called in error. A request was submitted to remove your phone number from our systems at that time. However, the phone number was not removed in error. Please be assured that this information has been forwarded to the relevant Bank personnel. I confirmed that the issue that caused this error has now been resolved. 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

[redacted] Date: February 4, 2016 Regarding Your Mortgage Loan Application Dear [redacted]: We have received a copy of your complaint filed with the Revdex.com. Thank you for the time you have taken...

to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced. Research has determined that you were conditionally approved for a loan with Fifth Third Mortgage Company. However, the property you had selected to purchase was appraised as non-conforming collateral. The subject area the property is located in is zoned as RM or Multi-family residential and if destroyed by a natural disaster would require a variance to rebuild it as a single family home. Rebuilding as a single family home is required under the mortgage you have applied for. Since you were conditionally approved for a mortgage loan with our bank, please let us know if you find another property that fits your needs. We would be more than happy to evaluate the property and see if it meets our conforming requirements. 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, Briggett F.Office of the President

[redacted] Date: August 8, 2016 Account: [redacted] Regarding Your Recent Visit at the [redacted] Banking Center Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

regarding your recent visit to the [redacted] Banking Center in [redacted]. 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 and I regret the difficulties you experienced. I have shared the information you brought to our attention with the management of the [redacted] Banking Center. We appreciate your feedback as it assists us in identifying problems and helps continuously improve the level of service we provide to our customers. However, I cannot inform you of specific internal correction actions that may be taken to resolve this matter. On July 26, 2016, you visited the [redacted] Banking Center and met with Kevin F., Personal Banker. During this visit, Mr. F. assisted you with the following transactions: ** Closed your Access 360 account ending in [redacted] because you never received your permanent account with your name on the card. A replacement card was issued, the replacement account number ends in [redacted]. ** Ordered a replacement debit card, because your account had been compromised. It should be noted, Mr. F. did close this account; however, you contacted our customer service department and requested the account to be re-opened the same day. ** Closed your checking account ending in [redacted]. ** Removed Overdraft Coverage from your checking account that ends in [redacted]. ** Opened a Goal Setter Savings Account. The account is open and ends in [redacted]. On July 27, 2016, you contacted the [redacted] Banking Center and met with Kamran M., Financial Center Manager. You indicated that you had requested the wrong checking account to be closed on July 26, 2016. Mr. M. was able to assist you in closing your checking account ending in [redacted], and to re-open your checking account ending in [redacted]. Mr. M. also contacted our Retail Operations department to ensure this transaction was processed and that your direct deposit would still post to the checking account ending in [redacted]. Our research determined that you received two (2) direct deposits on July 29, 2016, in your checking account ending in [redacted]. Our research was unable to determine any loss associated with your two (2) checking accounts. Please use this letter as verification that your checking account ending in [redacted] is closed, and the checking account ending in [redacted] remains open. We have also confirmed your debit card ending in [redacted] is connected to your checking account ending in [redacted] and your Goal Setter Savings account ending in [redacted]. Please note, Automated Teller Machine (ATM) withdrawals are not permitted with the Goal Setter Savings account; however, you are able to make ATM deposits into the Goal Setter Savings account. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. It was certainly not our intention to cause you any hardship or frustration. 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

The final responsse to [redacted] is attached. [redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]We received a copy of the complaint you submitted to the Revdex.com regarding your checking...

account. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. I am sorry for any difficulties you experienced when you previously contacted the Bank. To maintain the security of your account, I am sending this letter to the address we currently have on record for you. I noticed that the address you use in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your complaint. I encourage you to either call the Customer Service Department, or myself, to make sure that your account is properly updated. The Customer Service Department can be reached at [redacted]. I can be reached at the telephone number listed below. On behalf of the Bank, please accept my sincere apologies for the any inconvenience or frustration this matter may have caused you. Please be assured that Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. I also want you to know that customer feedback is reviewed by our senior management as part of our ongoing commitment to improving our customers’ satisfaction. You have the option of enrolling in overdraft coverage for ATM (Automated Teller Machine) transactions and onetime debit card purchases. Overdraft coverage allows you to make one-time debit card purchases or ATM withdrawals even if you do not have enough money in your account. When you opt-in to overdraft coverage, there are fees for each item the Bank pays on your behalf. When you choose not to opt-in to overdraft coverage, your ATM and debit card transactions are automatically declined, and no per-item overdraft fees are applied to those transactions. Please note that transactions appearing on your account statement as a merchant payment are one-time debit card purchases made after certain cut-off times. Our records show that you opted-in to overdraft coverage for ATM transactions and one-time debit card purchases via Internet Banking at www.53.com on July 28, 2014. I apologize for any misunderstanding that may have occurred during your visit to the financial center. On November 13, 2014, your beginning balance was positive $1.68. One (1) merchant payment of $3.89 posted to your account. Your ending balance was negative ($2.21). Because this overdraft was less than $5.00, no overdraft fee was assessed. Your account remained overdrawn for the following six (6) days. During that time, seven (7) additional merchant payments totaling $24.15 posted your account, resulting in overdraft fees totaling $259.00. On November 20, 2014, a direct deposit of $592.71 posted to your account, bringing it to a positive balance. I have enclosed copies of the overdraft notices sent to you during that time for your review. It was certainly not our intention to cause you any hardship. As a valued customer, we waived overdraft fees totaling $75.00 on November 25, 2014. Unfortunately, we are not willing to waive any additional fees at this time. I am sorry for any frustration this may cause you. Our records show that you opted-out of overdraft coverage for ATM transactions and one-time debit card purchases when you contacted the Bank on November 19, 2014. Because you have opted-out, your ATM transactions and one-time debit card purchases will be declined when you do not have enough funds in your account, and no per-item overdraft fees will be assessed for those transactions.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 various ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage and overdraft protection options is also provided on the enclosed document. Please feel free to contact me directly at the phone number below should you have any questions regarding the enclosed information. I would be happy to assist you. Ms. [redacted], 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 [redacted], or toll free at ([redacted].Enclosures (5): Overdraft Notices and Overdraft Solutions for Consumers Documen