Fifth Third Bank

[redacted]Date: June 9, 2015 Account: [redacted]Regarding
Emails You Have ReceivedDear
[redacted]:We received a copy of your complaint submitted to the RevDex.com concerning the emails received for your closed mortgage...

loan
account. We appreciate the time you have taken to document your thoughts and
concerns regarding this matter.While we sympathize with the stress and
frustration you are feeling over this matter, we stand by the previous
responses sent to you on this issue. We received a copy of this complaint on
March 19, 2015, dated March 16, 2015, as well as a similar complaint from you
on April 24, 2015, prior to your current Revdex.com complaint we received June 1,
2015. However, our position has not changed from the response conveyed to you
in the previous letters sent on April 10, 2015, and May 8, 2015. I have
enclosed copies of our prior correspondence sent to you for your review.To assist you in resolving your issue, I
ask that you please review the email you have received from ‘[email protected]’ that you sent to us with your first
letter. Please know that this email was sent by a third party who is not
affiliated with or related to Fifth Third Bank in any way. In order stop
receiving these emails, please review the fine print at the bottom and follow
the instructions to unsubscribe.[redacted], we are unable to comply with
your request for compensation, but please be assured that we have fully
researched your concerns and we are confident that Fifth Third has not provided
your personal information to any non-affiliated entities in accordance with our
Privacy Policy, which can be viewed at www.53.com.Sincerely, [redacted]Office
of the PresidentPc:
Revdex.comEnclosures:
Prior response letters

[redacted] Date: May 26, 2017 Account: [redacted] Regarding Your Transaction Disputes Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

your transaction disputes. 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 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. Our records show that our Disputes Resolution Department opened case number [redacted] to investigate your dispute of transactions totaling $12,498.55 that posted to your credit card ending in [redacted] from September 2014 to November 2014. On December 17, 2014, we posted provisional credits totaling $12,500.35 to your replacement card ending in [redacted] which included the disputed transactions as well as an international transaction fee of $1.80. During our investigation we obtained documentation from the merchants showing that the transactions in dispute were valid. We provided the merchant documentation to you and requested additional documentation from you to support your claim that the transactions were fraudulent. However, you did not provide the requested documentation, and based on the information and documentation gathered during the investigation, we denied your dispute. On February 6, 2015, we reversed provisional credits totaling $3,851.10, and on February 17, 2015, we reversed the remaining provisional credits totaling $8,647.45. Per Federal Regulations, if you believe there is an error on your statement, you have sixty (60) days from the date the error first appeared on your statement to contact the Bank in writing to notify us of the error. When you disputed the transactions in December 2014, you were within the sixty (60) day timeframe. However, because we denied your dispute and it is far beyond the sixty (60) day timeframe, you no longer have dispute rights for these transactions and are wholly liable for repaying the debt. The balance on your account owed after all of the temporary credits were reversed was $13,280.77. However, you did not make any payments, so your account was charged off with balance of $14,465.47 on July 31, 2015. I have enclosed copies of your statements from October 2014 through August 2015 for your review. The full debt is now due in full. Please contact our Recovery Department at ###-###-#### to make suitable payment arrangements. They are available Monday through Friday, 8 a.m. to 5 p.m., ET. Please be aware that if you fail to make suitable payment arrangements we may take further collection actions such as referring your account to an outside collection agency or to an attorney to initiate legal action against you. In regards to the information submitted to the credit reporting agencies for your account, we determined that information is correct since you are liable for the debt. The account is reporting as charged off. We are required to report accurate information to the credit reporting agencies and will therefore not make any changes to the reporting. If you would like to contact the credit reporting agencies directly, they can be reached at the numbers listed below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### Thank you for your patience while we conducted our research. 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: Merchant Documentation

Attached is a copy of our response to the complaint filed by [redacted] November 14, 2014[redacted]
[redacted]Re: Account [redacted] Dear Ms. [redacted] We received a copy of the complaint you filed with the Revdex.com dated November...

6, 2014, concerning the title documentation required for your installment loan account.  We appreciate the time you have taken to express your thoughts and concerns regarding this matter.    We strive to provide professional and accurate service to our customers and I regret that the service you received did not meet that same high standard.  Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers.  Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns.I apologize for the delay in providing the required documentation to you.  When your request for a state change in title was received, the vendor who processes our vehicle title requests, advised that your files still listed you with your married name[redacted]  Therefore, you were advised that we required documentation to prove your name change.  The vendor has since updated their files to reflect your correct name.  As relayed to you in my telephone message on November 14, 2014, the required paperwork was sent via [redacted] on November 14, 2014 to [redacted] and Title at the address outlined in your complaint.  The tracking number for this paperwork is [redacted] We empathize with the frustration you have experienced with this matter.  Therefore, we are refunding the $36.00 fee that was assessed to you for processing the paperwork.  The check was mailed to you on November 14, 2014 under separate cover.  Please contact me at the telephone number listed below if you do not receive this check by November 30, 2014, and I will further research this matter.   I can assure you that it was not our intention to cause you any frustration or hardship.  On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused you.  If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####.Sincerely, [redacted]
[redacted]
[redacted] 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 merely confirmed that they had no record of the property I purchased being part of what was escrowed with the loan, which is why I filed the complaint in the first place. It was supposed to be escrowed, as discussed during the time of the loan preparation. I was told that it was taken care of when I called Don H. to ask about the tax bills I was receiving. The letter from the bank only restates the issue that I complained about and in no way makes an attempt to resolve the situation.
Regards,
[redacted]

[redacted] Date: March 16, 2017 Account: [redacted] Regarding Your Fifth Third Bank Platinum [redacted] Dear [redacted] We received a copy of the follow up complaint you filed with the Revdex.com regarding the above mentioned credit card account. We appreciate the time you have taken to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced. We received your original complaint filed with the Revdex.com on February 15, 2017. We received your follow up complaint on March 5, 2017. Please find enclosed a copy of our previous letter mailed on February 28, 2017. I am sorry if the prior response did not resolve your concerns regarding this matter. On May 2, 2006, we received and approved your application for a Platinum [redacted]. The Bank is only required to keep transaction records for seven (7) years. Please find enclosed the last seven (7) years of statements for your credit card ending in [redacted]. In addition, we have provided a copy of your checking account statement dated October 12, 2013. Please note the $70.00 online payment made September 27, 2013, to your credit card ending in [redacted]. Upon receiving your follow up complaint, we contacted our Dispute Resolution Department who has opened an investigation. The case number is [redacted]. Upon completion of their investigation, the Dispute Resolution Department will notify you in writing of their findings. If you have questions involving their investigation, please contact the Dispute Resolution Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday, 8:30 a.m. to 5:00 p.m., ET. Please reference your case number when contacting the Disputes Resolution Department. Please note, upon completion of the investigation, the Dispute Resolution Department will update your credit reporting based on their findings. 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 Enclosures: Prior Response Credit Card Statements October 12, 2013 checking account statement

[redacted] Date: July 25, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your mortgage loan. We appreciate...

the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We ceased sending monthly billing statements for your mortgage loan ending in [redacted] because it was discharged in Chapter 7 bankruptcy. However, if you would like to receive monthly mortgage loan statements, you may send a written request via fax at ###-###-####, or via email at [email protected]. The written request must include the following information: your account number or bankruptcy case number, a signed and dated declaration that you are requesting monthly billing statements, your printed name, and your signature. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.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. My father gave them the correct bank information over the phone. The companies representative didn't enter it into their system currently. This caused the issue with September's payment and October's payment.
Regards,
[redacted]

[redacted] Date: June 29, 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 attempted to contact you via telephone on June 26, 2017, regarding this matter. I am sorry that I was unable to reach you. It is my understanding from your complaint that an airline processed a transaction to your account two (2) times. I reviewed your account and determined that [redacted] processed a $65.19 transaction to your account via the debit card on June 19, 2017. They processed another transaction of $109.20 to your account via the debit card on June 21, 2017. This second (2nd) transaction caused an overdraft on your checking account. The balance in your checking account at the end of the day on June 20, 2017, was $32.72. You received a $32.98 credit to the account from PayPal on June 21, 2017. This increased the balance to $65.70. The $109.20 debit card transaction from [redacted] posted on June 21, 2017. Per the Bank’s Overdraft Calculation Order, the debit card transaction was deducted from the balance first (1st), which reduced the balance to negative ($43.50). We then processed the $50.00 cash withdrawal and $12.62 debit card purchase. The ending balance in your checking account on June 21, 2017, was negative ($106.12). Three (3) overdraft fees totaling $111.00 posted to the checking account the next business day. Fifth Third Bank posts transactions during the overnight hours. As a result, the account could show a positive balance during the business day, but if transactions come through to be paid that day and they are processed during our overnight hours, then the ending balance for that business day could be negative. The $109.20 transaction to [redacted] shows the purchase was initiated on June 20, 2017. However, the transaction was not submitted to the Bank as pending on your account at that time. As a result, you were able to complete the $50.00 cash withdrawal and $12.62 debit card purchase without showing the account in the negative. [redacted] requested that we pay them the $109.20 on June 21, 2017, which was processed during our overnight processing hours for the business date of June 21, 2017. The [redacted] transaction caused the overdraft. Per the processing order listed on page fourteen (14) of the enclosed Rules and Regulations, the $109.20 transaction had to be processed first (1st) because the timestamp for when the transaction was initiated was June 20, 2017. Even though you received a direct deposit on June 22, 2017, the direct deposit on June 22, 2017, cannot cover transactions posting to the account for June 21, 2017. The overdraft on the account was valid. We previously waived $74.00 in overdraft fees as a courtesy to you in the previous twelve (12) months. We are unable to reverse additional fees at this time. Based on your complaint, it appears that [redacted] should have processed only one (1) transaction, and not two (2). If this is the case, please contact our Dispute Department to dispute the unauthorized transaction. The Dispute Department can be reached toll-free at ###-###-####. The Dispute Department is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. You also mentioned a $200.00 New Account Bonus for opening the account. I reviewed your account and confirmed it was opened with a bonus offer to receive $200.00 after receiving direct deposit and completing three (3) Online Bill Payments via our website at 53.com within ninety (90) days. You completed the direct deposit requirement for the bonus. However, you did not complete the three (3) Online Bill Payments required. For this reason, the account did not receive the $200.00 bonus. We are unwilling to provide the $200.00 bonus because you did not meet the terms of the offer. While reviewing your account, I noticed that you opted in to Overdraft Coverage on February 9, 2017. Enclosed is a copy of the letter we sent to you confirming the selection. Overdraft Coverage allows the Bank to authorize one (1) time debit card transactions even if there are insufficient funds in the account. Enclosed is a document titled Fifth Third Overdraft Solutions for Consumers. This document explains Overdraft Coverage in detail, and advises how you can change your Overdraft Coverage selection at any time. 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: Rules and Regulations, Overdraft Notice, Overdraft Coverage Letter, Fifth Third Overdraft Solutions

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.   We DID NOT apply for 3 mortgage loans. We apply for one. Any additional such actions would have been instigated by Fifth Third via Diann P. and her in complacence  for keeping documentation which was already submitted in order and at hand, thereby requesting the same information several times, causing delays, not providing written requests as requested and basically stalling in processing the initial application. No I do not accept this response from Fifth Third. It is not accurate. I've supplied the documentation that addresses my conncerns and her at many times, non-professional response and delays. This does not justify the damage that it has caused both myself and [redacted].
 
Regards,
[redacted]

[redacted] Date: March 30, 2015 Accounts: [redacted] and [redacted] Re: Credit card dispute Dear [redacted]: We received copies of your complaint regarding your credit card accounts from the Revdex.com, the [redacted]...

[redacted], and the [redacted]. We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. The balance on the card ending in [redacted] on March 5, 2013, was $1,596.14. On the April 5, 2013, statement the total balance due on the card was $7,671.25. On April 15, 2013, you filed a dispute with the Bank regarding unauthorized charges on the credit card ending in [redacted]. You provided a signed affidavit acknowledging which purchases were yours and which you were disputing. Case # [redacted] was opened with our Disputes Department. The card ending in [redacted] was blocked and the balance was moved to the replacement credit card ending in [redacted]. On April 29, 2013, the Disputes Department issued credits totaling $752.15 to the account ending in [redacted]. In addition, two (2) payments of $500.00 each posted to the account. On May 22 and 24, 2013, credits totaling $3,920.57 were posted to the card ending in [redacted]. This included credits for interest charges and late payment fees. The remaining balance on the card after these credits was $2,022.07. I have enclosed copies of the April, May, and June 2013 statements for your reference. Our Disputes Department sends a letter to you at the address on file to inform you regarding the final determination made regarding the transactions you disputed. If the dispute regarding a specific transaction is denied, instructions are provided on the letter so the customer can ask for more information and or submit a rebuttal to the finding. Several disputed transactions were not found in your favor leaving a balance on the card. One (1) additional payment of $500.00 posted to your account on June 7, 2013, after which no further payments were received. The card was revoked and charged off for collection efforts on April 30, 2014. The account was sold to [redacted] Financial on May 19, 2014. In researching your concerns, we determined that the Disputes Department failed to send you a letter for several of the transaction disputes that were declined. For the ones that were properly sent to you, we did not receive any further contact from you asking to dispute them further. However, in order to provide a positive resolution to this matter for you, we are in the process of purchasing the credit card account back from [redacted] Financial. We cannot issue any corrections to the account until we service it again. Once the account is returned to us, we will forgive the remaining balance and issue a correction to the credit bureau reporting agencies showing that the account is closed and at a zero balance.Our intention is to complete this process as quickly as possible, however, please allow up to sixty (60) days for us to fully resolve the matter. If you apply for a loan, be sure to use this letter as proof that Fifth Third is correcting the situation. If you would like to contact the credit bureaus directly, their contact information can be found below:[redacted]     [redacted]
   
   
 
[redacted]       ###-###-####  It was not our intention to cause you any hardship and I appreciate this opportunity to address your concerns. 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 executive management teams as part of our ongoing commitment to improving our customers' satisfaction. If I could be of further assistance to you, please call me at ###-###-#### or toll free at 866­360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Regulatory Support Specialist Office of the PresidentPc: Revdex.com; [redacted] Enclosure: Statements

Please see attached response sent to the customer on January 15, 2015.January 15, 2015 [redacted] 
[redacted] 
[redacted] RE: Checking account [redacted] Dear [redacted] Thank you for the letter you sent to the Revdex.com regarding 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. Please be assured I have researched this matter fully. 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. On January 5, 2015, the ending balance in your Essential checking account ending [redacted] was positive $1,347.22. On January 6, 2015, $1,347.21 was debited from your checking account to offset a balance owed by the joint owner on your account, ** [redacted] The ending balance in your checking account on January6, 2014 was positive $0.01. The beginning balance in your checking account on January 7, 2015, was positive $0.01. On that day, four (4) items posted to your account totaling $80.22. Due to insufficient funds in your account, four (4) overdraft fees were assessed totaling $148.00, which posted to your account the following day. The ending balance in your account on January8, 2015, was negative ($243.71). I have enclosed a copy of the Overdraft Notice that was mailed to you on January 8, 2015, for your review. Although we are unable to return the funds that were debited from the checking account, as a courtesy to you we reversed overdraft fees totaling $75.00 on January 12, 2015, and we also reversed overdraft fees totaling $203.50 on January 15, 2015. According to our Rules and Regulations which were disclosed to you when you opened your account, the funds in your account can be used to offset money owed to the Bank by any of the account owners on the account. I have enclosed a copy of the Bank’s Rules and Regulations for your review. Please see page ten (10) paragraph seven (7), for more detailed information. Third Bank, Member FDIC. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Mr. Roop, 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 I 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 (513) 358-2982, or toll free at (866) 360-5353. Sincerely, Adam Prussia Consumer Resolution Specialist Office of the President Enclosures (2): Rules and Regulations and Overdraft Notice

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 personally just spoke to [redacted] my agent (8/19/2016) and she told your office that I did not have a policy for the months of December Janurary and Feburary which I had already told you. The only months you were supposed to inquire about were March and April of 2016. She she confirmed that I DID have coverage on those dates with her office and that she would give me a copy of the letter confirming I had such. She said she never told you I was not covered for those two months but said there was not a separate policy for the dates you questioned about. She did say I didn't have coverage for the 3 months you were not supposed to inquire about. I do have a copy of the letter sent from your office as a response to my original Revdex.com complaint stating your policy was in place for the months of March April and May. 3 months that was it. Nothing was mentioned about December Janurary or Feburary until a letter from the insurance department a month after the first letter. The first letter clearly states only those 3 months. I have also inquired to several different banks and their insurance departments just for customer comparison. I checked with [redacted], [redacted], [redacted], and 2 banks from your city and state [redacted], and [redacted] both located in [redacted] and and not one single bank retro actively charges insurance for dates that have already passed. I did not mention your bank's name as not to alert them to a competitor and I wanted an honest unbiased opinion. 4 of the banks called your practice questionably legal and extremely unethical and a way to kick a customer when they are down. I will not close this matter until you get this right! Your bank is full of errors and I had to correct one 2 days ago in fact! I recieved yet ANOTHER letter on August 1st, sent to the wrong address by the way I had called and given my correct information twice and it still has not been updated in your system, stating you were going to force a 2nd insurance policy because I didn't have full coverage effective currently. I in fact did and my grandmother stayed on the phone with you for a full hour trying to correct your mistake since I can't waste an hour or two daily. I have to work 12 hours a day trying to make ends meat and you are forcing policies on us in addition to the car payment. It was an error in your system and it was proven that we do have current insurance! Again, call [redacted] request a copy of that letter from the OWNER [redacted], of the agency which I asked you to do in the first place in the previous rejection and don't inquire about December Janurary or Feburary because we were not with them on those dates. Only inquire about THE LETTER and the faxed copy you need! I will not be closing this matter of refunding for March and April until it is corrected. My attorney is dealing with December Janurary and Feburary being a retro active charge in March since the letter stated only March April and May so no further discussion should be made in this claim about the other 3 months. 
Regards,
[redacted]

This is beyond frustrating.  On 2/5/16 the first of two charges were made to my Fifth third account in the amounts of $5.99 and $5.95 for skin care products.On 2/11/16 I received a package from "[redacted]" in [redacted], sent regular U S Postal service - not expedited service of any kind.  (note: I have the original packaging).  On 2/22/16 additional charges were made in the amount of  $89.97 and $89.95.  I called the numbers provided by [redacted] and [redacted].  (###-###-#### and ###-###-####) I spoke to the same person for both phone calls.  We discussed the charges and I informed their customer service representative that I did not have the product for 14 days!  She then said she would cancel the accounts and send me confirmation by email.  ( A copy is attached.)  When I read that any ONGOING and future charges were cancelled as "per my request" I was satisfied that the matter was settled.  As well Fifth Third Bank had reversed the charges on my account.3 months later on May 19, 2016 Fifth Third charged my account.  I was in [redacted] at the time for my daughters wedding.  Upon returning home I called Fifth Third on 5/23/16.  they told methat they had recived documentation from the merchants that I had not cancelled.  At that time I faxed the cancellation to them.  I didn't hear anything further from them and called on 7/25/16 and spoke with Kate in their Disputes resolution department.  She told me that the case had been closed and a letter was sent.  I asked for a copy to be emailed.  She could not email it and said she would send a copy.  I did not get it.At this point, I feel the merchant was not truthful as they did not allow a 14 day trial.  I feel I did cancel prior to the 14 days.  (I had the product on the 11th and cancelled on the 22nd)  Unfortunately the web site has been shut down and I cannot confirm the terms and conditions of their offer.  Additionally, I have not received a copy of the letter from Fifth Third dated August 4th and do not have a copy of the response they received from the merchant.I have complied with the offer and cancelled before the 14 days.  I don't think Fifth Third Bank has considered this information and their decision was made without it.That's all I can say.  Hopefully, the bank will take another look at this case and reverse the charges to my account.Respectfully,  [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.
As the bank refuses to correct their mistake what may be done now?
Regards,
[redacted]

[redacted] Date: August 18, 2015 Account: [redacted] Regarding Your Checking Account Dear [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, please accept my sincere apologies for any inconvenience these matters may have caused you. We strive to provide professional and accurate service to our customers and we regret if that has not been your experience. Details on how to edit or cancel payments is included within the information about the Bill Payment Service on 53.com. Online bill payments that are scheduled via 53.com and paid electronically, can be cancelled or modified up to two (2) days prior to the scheduled payment date by 4:00 p.m. ET. Online bill payment paid by check can be cancelled or modified up to four (4) days prior to the scheduled payment date by 4:00 p.m. ET. In addition, cash deposits made at Fifth Third Bank image Automated Teller Machine (ATM) by 9:00 p.m. ET on a business day are posted to your account on that day. All other types of deposits made at a Fifth Third Bank ATM before 7:00 p.m. ET on a business day are posted to your account on that day. Deposits made at a Fifth Third Bank ATM after these cut off times will post to your account on the following business day. After further research, we confirmed that the following ATM deposits were attempted on July 30, 2015: $2,100.00        11:00 p.m. ET$1,100.00        11:01 p.m. ET$900.00           11:02 p.m. ET You spoke with a Customer Service Representative concerning the failed ATM deposits at 11:05 p.m. ET. At that time, the representative determined that your closed checking account ending in 0602 was still connected as the primary account to your Enhanced Jeanie debit card ending in [redacted].Our Customer Service Representative corrected the issue and your cash deposit for $2,700.00 was accepted via the ATM at 11:13 p.m. that same night. However, the funds from your deposit were not available for overnight processing of transactions posted to your account on July 30, 2015. Despite the initial error you experienced at the ATM, your deposit attempt was not made prior to 9:00 p.m. ET cut off time for that business day.If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account is overdrawn. We do not assess overdraft fees on pending transactions. Per item overdraft fees will not be assessed if your account is overdrawn by less than $5.00. The amount of the per item overdraft fee is based on the number of times your account has become overdrawn in the last twelve (12) months. For the first overdraft occurrence, you will be charged $25.00 per item. For each additional occurrence, a $37.00 per item fee will be assessed.On July 30, 2015, the beginning balance for your checking account was $0.88. Six (6) online bill payments totaling $1,095.47 posted to your account. Therefore, your ending account balance was negative ($1,094.59). Due to insufficient funds, six (6) overdraft fees totaling $222.00 were assessed to your account and posted the following day.On July 31, 2015, the beginning balance for your checking account was negative ($1,094.59). Your ATM deposit in the amount of $2,700.00 posted to your account. Three (3) items totaling $299.10 posted to your account, including the overdraft fees from the previous day. Therefore, your ending account balance was $1,306.31.On August 4, 2015, the beginning balance for your checking account was $1,306.31. An online bill payment check in the amount of $1,525.00 posted to your account. Therefore, your ending account balance was negative ($218.69). Due to insufficient funds, an overdraft fee of $37.00 was assessed and posted to your account the following day.It is important to ensure that your checking account has sufficient funds to cover the transactions you have authorized. In the interest of customer service, overdraft fees totaling $150.00 were reversed and credited back to your checking account on August 10, 2015. Therefore, we are not willing to reverse any additional overdraft fees at this time.It should be noted that as of August 13, 2015, your checking account balance is negative ($105.69). If your account remains overdrawn for fifty-five (55) days, it may be charged off for further collection and reported to [redacted]. Therefore, it is imperative that you make a deposit to restore your checking account to a positive state.For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage options is also provided on the enclosed document. Please feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you.[redacted], please be assured that it was not our intention to cause you any hardship or frustration. You are valued customers and we look forward to serving your financial needs in the future. I could 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,Danielle S.Office of the PresidentEnclosure: Overdraft Solutions flyer Pc: Revdex.com

March 9, 2015[redacted]Re: Mortgage Loan [redacted]Dear [redacted]:We received a copy of the complaint filed with the Revdex.com regarding the level of service you received from our Consumer Contact Center when calling to cancel the Private...

Mortgage Insurance (PMI) on your mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter.It was certainly not our intention to cause you any undue frustration and we sympathize with the difficulties you encountered. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns.Our Consumer Contact Center strives to provide professional and accurate service during every telephone call they receive throughout the day. Due to this reason, our Customer Service Professionals will attempt to ensure that every effort is taken to resolve any issue that you bring to their attention versus transferring your telephone call. I am sorry if your telephone call experience did not meet the same high standard.We make every effort to ensure that mortgage payments are properly processed in as timely a manner as possible, and we sympathize with the difficulties you encountered regarding your mortgage loan. However, if a misapplied payment goes undetected, we are more than willing to research the payment in question. Should the results of our research support your claim, then we will reapply the payment accordingly per your request.On February 9, 2015, you visited our [redacted] Banking Center to make a principal only payment of $1,600.00 to your mortgage loan. Our research determined that this payment was processed as a regular monthly payment and served to satisfy your March 2015 payment. I apologize that the payment was not processed as you had requested.On February 12, 2015, the payment of $1,600.00 was adjusted and reapplied to your loan as a principal only payment. Once the payment adjustment was made, your principal balance was reduced to $107,995.36. This also brought the loan to value (LTV) of the loan down to 79.6%.In order to cancel the Private Mortgage Insurance, the loan balance owed must be reduced to 80% of the original loan amount and we must receive a written request from the customer. We received your written request to cancel the PMI on your mortgage loan. After a thorough review of your mortgage loan was completed, it was determined that the PMI could be cancelled. On February 20, 2015, the PMI on your mortgage loan was cancelled and a notice was mailed to the address listed above to confirm the cancellation. I have attached a copy of the cancellation letter for your records.The PMI premium that was paid every month as part of your monthly mortgage payment was $74.61. When the insurance was cancelled, the escrow portion of your payment was reduced by this amount. Therefore, your new mortgage payment is $1.286.79 which will be due on March 1, 2015. I hope this letter addresses all of your concerns and you are satisfied with the resolution.[redacted], thank you for your patience while we researched this matter. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####.Sincerely, [redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosure: PMI Cancellation Notice

[redacted] Date: October 16, 2015 Account: [redacted] Regarding the Credit to Your Debit Card Dear [redacted] and [redacted]: We received a copy of the complaint you submitted to the Better...

Business Bureau regarding the debit card credit the Bank received after you closed your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. On September 25, 2015, we sent a check to you for the credit of $538.00 that we received from [redacted] after you closed your checking account ending in [redacted]. Unfortunately, the check was sent to your former address in [redacted]. After receiving your complaint, we placed a stop payment on this check and reissued a new check to your new mailing address listed above on October 14, 2015. I hope this letter meets your satisfaction and resolves your needs. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D. Office of the President Pc: Revdex.com

[redacted] Date: January 26, 2017 Account: [redacted] Account: [redacted] Regarding Your Recent Debit Card Dispute Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau concerning your recent debit card dispute. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that Fifth Third Bank takes your feedback regarding your experience very seriously, and I have contacted the relevant parties to pass on your concerns. We strive to provide professional and accurate service to our customers, and I regret if the service you received did not meet the same high standards. On September 13, 2016, a $270.75 charge posted to your checking account, the merchant was [redacted]. You contacted the Dispute Resolution Department to file a claim. The Dispute Resolution Department opened an investigation on the unauthorized transaction. Please find enclosed a copy of the letter mailed to you on September 16, 2016, informing you of the case number [redacted]. This letter also informed you that additional research was required and the investigation may take thirty-one (31) calendar days. For your convenience we have also enclosed the provisional credit letter mailed to you on November 17, 2016. This letter informed you that the Bank had provided you with credit for the full amount. It should be noted, this credit was not permanent, and the investigation was still ongoing. On January 3, 2017, the Dispute Resolution Department closed their investigation and denied your claim that the charge was unauthorized. Please find enclosed the documentation provided to the Disputes Resolution Department from the merchant. The letter informed you that the provisional credit would be removed from your account. Included in the merchant’s documentation is a letter from the merchant dated December 7, 2016. In this letter, the merchant states that you were made aware of the $30.00 resort fee on two (2) occasions. The resort fee was disclosed when you made your reservation with [redacted], and also during your telephone call with the merchant on September 1, 2016. The $270.75 charge included a $225.75 in resort fees, and $45.00 for a mirror missing from your room. The Disputes Resolution Department considers this investigation closed. It was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. We value your relationship and look forward to fulfilling all of your financial needs for years to come. 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: Letters (2) Merchant Documents

[redacted] ** [redacted] Date: February 7, 2017 Savings Account: [redacted] Secured Credit Card Account: [redacted] Secured Credit Card Account: [redacted] Regarding Your Identity Theft Claim Dear [redacted]: We...

received the complaint you filed with the Revdex.com regarding your credit bureau reporting and your concerns about identity theft. We appreciate the time you have taken to express your concerns regarding this matter. Fifth Third Bank takes protecting financial and personal information very seriously. I also appreciated the opportunity to speak with you. On April 23, 2012, the Secured [redacted] Credit Card ending in [redacted] was opened. It was secured by funds on deposit in the savings account ending in [redacted] opened the same day. The credit card was reported lost, or exposed, November 16, 2012. It was blocked and the replacement card ending in [redacted] was sent. The account was revoked due to non-payment, and funds from the savings account were transferred to pay the credit card down on February 27, 2014. The remaining balance on the card was paid in full on September 10, 2014. The savings account was closed at a zero (0) balance July 14, 2014. Due to your statements that these accounts were opened without your authorization, a case was opened with our Dispute Resolutions Department. The case number is [redacted]. We strive to resolve all investigations as quickly as possible and will communicate the results of the investigation in writing once our research is complete. In addition, the Bank will submit any necessary updates to the credit bureau reporting agencies. If you would like to contact our Dispute Resolution Department, they can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### 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, Alison S.Office of the President

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]