Fifth Third Bank

[redacted] Date: July 17, 2017 Account: [redacted] Account: [redacted] Regarding Your Recent Debit Card Dispute Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

concerning your recent debit card dispute. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. I attempted to contact you on June 27, 2017, to discuss this matter. Unfortunately, I have not been able to contact you by telephone. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused. 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. Our research determined you contacted the Dispute Resolution Department (DRD) and disputed a purchase with [redacted]. Upon contacting the DRD the investigator opened case [redacted] to research your claims. The Bank did provide credit to your account while investigating your concerns. Please find enclosed a copy of the letter mailed on February 27, 2017, informing you that the temporary or provisional credit of $912.78 was provided to allow you access to the funds while the dispute was under investigation. On April 25, 2017, the DRD notified you that your claim was denied. The credit provided to your checking account was reversed as a result of the investigation. As noted on the letter, the Bank did honor any items, including but not limited to, any checks, drafts, or similar instruments payable to third parties, as well as preauthorized and electronic funds transfers from your account (without charge as a result of an overdraft), up to the amount of your dispute, that post to your account for five (5) business days after the transmittal of this notice. For your review, please find enclosed copies of the documents provided by the merchant in regards to your dispute. The documentation indicates that the address on the invoice matches the address on your customer profile and the address this response is being mailed. The documents provided by the merchant indicated the transaction was authorized by [redacted]. If you have not authorized [redacted] to use your account, please contact the DRD to speak with the investigator assigned to your claim. Please reference case [redacted] when speaking with the DRD. The Bank had no prior knowledge that [redacted] had no authority to conduct the transaction in question on your behalf. In researching your concerns, we have contacted the DRD and reasserted the fraud dispute on your behalf. We may contact you during the investigation to help us resolve this issue. If you have information that will assist the DRD in researching your unauthorized purchase claim, please contact the DRD at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday, 8:30 a.m. to 5 p.m., ET. As mentioned above, if you have not authorized [redacted] to use your debit card, please contact the investigator at your earliest convenience. On June 20, 2017, the Bank closed and charged off your checking account ending in [redacted]. There was a negative ending balance of ($289.05). The account was sent for collection to [redacted]. If you would like to make a payment arrangement for the uncollected balance, you can call [redacted] at ###-###-####, Monday, 8 a.m. to 7 p.m.; Tuesday and Wednesday, 8 a.m. to 5 p.m.; Thursday, 8 a.m. to 7 p.m.; Friday, 8 a.m. to 5 p.m., ET. In addition, our research determined the Bank has reported the negative account activity to [redacted] is a national specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA) that retains checking or saving account information reported by financial institutions. [redacted] reporting may prevent you from opening deposit accounts. If you would like to contact [redacted], you may contact [redacted], on the internet at www.consumerdebit.com, via telephone at ###-###-####, or by mail at: [redacted] We appreciate your patience while we researched your request. 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: Merchant Documents Provisional Credit Letter Denial Letter

[redacted]Date: April 18, 2017 Account: [redacted]Regarding Your installment Loan AccountDear [redacted]:We received a copy of your follow-up complaint filed with the Revdex.com (Revdex.com) regarding your installment loan account. We appreciate the opportunity to address your Continued Concerns.Please be advised that the information provided to you by the GAP insurance administrator is incorrect. The Bank does not waive the balance owed on the loan in the event of a total loss. When we receive checks for the insurance proceeds and any applicable warranty refunds, those funds are applied to the loan balance owed. If the funds received from insurance and warranties are not sufficient to pay the loan in full, the customer is still responsible to repay the remaining amount owed per the signed contract. Enclosed is a copy of the check that was sent to the Bank by your GAP insurance company for $1,654.58. This check was endorsed, cashed, and the funds were applied to your loan. We did not waive the $1,654.58.Fifth Third Bank does not have influence over how much money the GAP insurance company will send. We provided your GAP insurance company a payoff quote and payment history effective for the date of the total loss, which was September 13, 2016. Enclosed is a copy of the payoff quote and payment history we provided on October 12, 2016. The amount needed to pay off the loan as of September 13, 2016, was $20,486.00. We also sent the GAP insurance company a copy of the $3,273.00 refund we received from the dealership for the warranty. The GAP insurance company obtained a copy of the $15,442.86 insurance refund from another source that was not Fifth Third Bank. If we take the $20,486.00 payoff, then deduct the total $18,715.86 in payments we received from your insurance and the dealership, the remaining amount needed to pay off the loan as of September 13, 2016, was $1,770.14. The GAP insurance paid $1,654.58. Because you had made a $345.44 payment on December 5, 2016, the funds from GAP insurance were enough to pay off the remaining balance owed on the loan.You have received overpayment refunds from the Bank totaling $229.88, which is $115.56 less than the $345.44 you paid on December 5, 2016. The difference between the $1,770.14 needed to pay the loan in full as of September 13, 2016, and the $1,654.58 that the GAP insurance paid is also $115.56. As previously advised, we are unable to determine why the GAP insurance paid only $1,654.58 for the vehicle. If you have questions about the GAP insurance refund amount and why more funds were not issued, please contact your GAP insurance company directly.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 PresidentPC: Revdex.comEnclosure: Previous Response, GAP Insurance Check, Payoff Quote, Payment History

[redacted] [redacted] [redacted] Date: June 29, 2017 Account: [redacted] Regarding Your Checking Account Dea[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 incorrect information you received about your checking account. Your Basic checking account ending in [redacted] was opened on February 17, 2017. Please be advised that the Basic checking account type is not eligible for the New Account Bonus. As a result, your checking account was not eligible for the $200.00 bonus offer. However, I understand that you may have received incorrect information regarding the bonus. As a result, we have credited $200.00 for the New Account Bonus to your checking account. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com

Please find attached the response being sent to the customer today.February 17, 2015 [redacted] Re: Installment Loan [redacted] Dear [redacted]: We received a copy of the complaint you filed through the Revdex.com,...

regarding the final payoff amount for your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter thoroughly, 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. The final payment for an installment loan is not provided in a coupon book. This is because the final payoff of the loan is unpredictable and unknown until the second to last payment is received. The Bank automatically sends out a final bill during the month prior to the maturity date. Once we have received the final payment for an installment loan, the lien for the vehicle will be released within ten (10) business days. On December 10, 2014, we received and posted your forty- seventh ([redacted]) installment payment of $[redacted]. A payoff letter was generated and mailed to the address listed above on December 26, 2014. I have enclosed a copy of that letter for your review. I am sorry if you did not receive it when we initially sent it to you. Your final payment was due on January 21, 2015. On January 20, 2015, we received and posted your final payment of $[redacted] for your vehicle installment loan ending in[redacted], paying your installment loan in full. I have enclosed your installment loan payment history for your records. The title for your [redacted] was an electronic[redacted] title. On January 28, 2015, the lien was released on your vehicle. You can visit your local [redacted]’s office to obtain a lien-free paper title. Fifth Third Bank, Member[redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp Thank you for your patience while waiting for a response. You are a valued customer, and we hope you will consider using Fifth Third Bank for your financial needs in the future. If I could be of further assistance to you, please call me at [redacted], or toll free at [redacted]. Sincerely, [redacted] Senior Consumer Resolution Specialist Office of the President

[redacted]Date:                  July 14, 2015Account: [redacted], [redacted]Regarding Your Checking AccountsDear [redacted]:We received a copy of the rebuttal filed with the Revdex.com regarding the disputed purchases that posted to your checking account. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this situation may have caused you. However, our research determined that all the merchants involved provided us with your correct name, address and phone number. The merchants also sent our Disputes Department documentation stating that the goods and services were provided to you and your correct information was also provided. Therefore, we stand by our previous response letter provided to the Revdex.com on July 7, 2015. Our position on this matter has not changed. We are unable to re-open your disputes at this time. If you would like to pursue this matter further, please contact the merchants involved directly.Thank you for your patience while we researched this matter for you. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, Lisa S. Office of the PresidentPC: Revdex.com

[redacted] Date: February 9, 2016 Account: [redacted] Regarding Your Fifth Third Bank Business Standard Checking Account Dear [redacted]: We received your rebuttal to our initial response to your complaint filed with the Revdex.com, concerning the recent cash bonus promotion. We appreciate the time you have taken to express your concerns regarding this matter. Your original complaint was filed on February 1, 2016, dated February 1, 2016. We received your rebuttal to our response on February 9, 2016. However, we stand by the response conveyed to you in the previous letter sent on February 8, 2016. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. As mentioned in our original response, the $400.00 promotional cash bonus offer had the following requirements: 1. Open a new Fifth Third Bank business checking account before November 20, 2015 2. Make five (5) or more debit card transactions in the first sixty (60) days. 3. Maintain an average balance of $5,000.00 for the first sixty (60) days. On November 9, 2015, you visited the [redacted] Banking Center and opened a Business Standard Checking account. You did complete more than five (5) debit card transactions. However, your average balance was not above $5,000.00 for the first sixty days. The account opened with a zero balance for the first ten (10) days. Your initial and only deposit was on November 20, 2015. Therefore, this account did not qualify for the $400.00 promotional cash bonus.  I hope this correspondence cleared up any outstanding questions you had related to this issue. If I could be of further assistance to you, please contact me directly at 513-358- 2985, or toll free at ###-###-####, Monday through Friday, 8:00 a.m. to 6:00 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure (1): Previous Response 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.   Regards,[redacted]
I am hoping that I can get some assistance in regards to a Revdex.com complaint that I made about Fifth Third Bank.  I am unsure when I made this complaint and unfortunately for me, I did not write down a confirmation number.  This occurred within the last year or two.  In the response from Fifth Third Bank, they were resolving my issue, however, I received a phone call today stating a collection agency is suing me over this matter.  I am looking to see if you can look up my Revdex.com by my name?[redacted]- maiden)Last 4 of my social- [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.
Thank you so much for taking the time to address my complaint. From your response, I don't think my complaint was exactly clear. I check my bank account online everyday, the 3 $25 transactions that were returned were listed online in such an order that there were funds to cover them but not for the $60 atm transaction. So instead of 1 overdraft fee for the most recent transaction listed online, 3 credit card payments were returned and I was charged a total of $111 for the overdraft fees. On top of $25 each ofky credit cards are now charging me   The order in which items post online are not the actual order the bank follows which is my issue. All other bank accounts that I have lost the transactions online in the order they are processed each day. I did not open my account at a branch, I opened it online. My account is also not eligible for any type of overdraft protection at this time. 
Regards,
[redacted]

[redacted] Date: February 22, 2016 Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com regarding your mortgage...

loan account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Please be assured that the issues you presented have been escalated to the relevant Bank personnel. You can expect to receive communication from our Insurance Center to schedule an inspection to determine the progress of the work being completed on your property, as well as to obtain information about [redacted] and the new contractor you have hired. I am very sorry for the difficulties you experienced. It is our goal to help you return to your home. In order to accomplish that goal, we will need you to communicate with our Insurance Center regarding the status of the repairs. At this time we would like to confirm that you contacted the Bank on January 15, 2015, and wanted to know if the contractor had cashed the checks that had been issued. While our systems show research was initiated they not show that anyone contacted you back to provide this information. I am sorry for the frustration and distress that this caused you. We strive to provide professional service, and I regret this was not your experience when you did not receive a return phone call. Enclosed for your review is a copy of your signed proposal/contract with the contractor [redacted] regarding your agreement with them to rebuild your home. The last section on page two (2) provides the payment terms, which shows that the first (1st) payment to the contractor is $120,000.00. Per this signed agreement between you and the contractor, we distributed funds totaling $120,468.30 in the months of June 2014 and July 2014. We confirmed that the following four (4) checks were cashed by the contractor: * $30,432.00 * $14,099.70 * $37,734.15 * $37,734.15 I understand that you are experiencing a hardship attempting to make the monthly mortgage payment as well as pay rent while you are unable to live in the home. You first (1st) notified us of this hardship on November 6, 2015. You explained that because you had to also pay for another place to live while your home was being rebuilt, you were struggling with the mortgage payments. We explained that you could apply for a loan modification or a mortgage refinance, and we sent you the application for assistance required to complete a modification. Our records do not reflect that you were told we could not assist you because the loan was not in default. I have enclosed another application for assistance with this correspondence. If you would like to be considered for assistance, please complete the form and send the requested documentation so that we can review your application. We have not yet received an application from you for assistance. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna T. Office of the President Pc: Revdex.com Enclosures: Contractor Agreement, Homeowner’s Assistance Application

[redacted] Date: October 4, 2016 Accounts: [redacted] Regarding Your Checking Accounts Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding...

your checking accounts. 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. Please be assured we researched this matter thoroughly 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. Our records show that you contacted the Bank on February 1, 2016, to stop an automatic withdrawal from coming out of your E-Access checking account ending in [redacted] because you did not have sufficient funds for the automatic withdrawal. The agent explained that that you could place a stop payment on the item, but that would not be a guarantee that the item would not post to your account. Per Fifth Third’s Rules and Regulations, a stop payment can only be honored if the exact information is given at the time of the request and the Bank has been given sufficient time to reasonably honor the request. You then informed the agent that if the item could not be stopped, then you would close your account. Because your account did not have a zero ($0.00) balance on that day and there were pending items, your account could not be closed at that time. On February 4, 2016, you contacted the Bank to close your account. At that time, your account had a zero ($0.00) balance and there were no pending items. An attempt to close your account was made on that day; however, during overnight processing for that business day an ACH (Automated Clearing House) item of $260.27 was presented for payment by the payee and posted to your account, so your account closure request failed. The following day, February 5, 2016, your account was completely closed with a zero ($0.00) balance. Please note that ACH items do not show as pending items on your account since they are not time-stamped transactions, so the agent with whom you spoke would not have been able to see that an item would post to your account when items were processed at the end of the business day. Please also note that when closing an account it is important to make sure that you have cancelled all direct deposits and automatic payments you previously authorized. Before you make a request to close an account, all of the merchants debiting your account needed to be notified to revoke their authorization to debit your account. Because the item coming out of your account was pre-authorized by you, we were required to allow it to post to the account. On February 5, 2016, you opened a new Essential Checking account ending in [redacted] at the [redacted] Main Banking Center. As of November 9, 2015, the Bank no longer offered the E-Access Checking account product, which is why you were unable to open a new account with your prior account type. As you are aware, unlike the E-Access Checking account product, the Essential Checking account product has a monthly service charge. Because you have monthly direct deposits of $500.00 or more, the monthly service charge assessed to your account is $8.00. I have enclosed a copy of the Essential Checking product sheet, which provides additional information regarding the monthly service charge and ways to earn out of it. It was certainly not our intention to cause you any hardship. In the interest of customer service, we waived monthly service charges totaling $15.00. However, we are unable to change your account back to an E-Access Checking account because this product is no longer offered. I am sorry for any frustration this may cause you. Thank you for your patience while we researched this matter for you. You are a valued customer, and we certainly hope to continue our banking relationship with you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D. Office of the President Pc: Revdex.com Enclosure: Essential Checking Product Sheet

Please find below a copy of the letter being mailed to the customer. We have sent a W9 tax form overnight to the customer.[redacted] Date: November 3, 2016 Account: [redacted]9932 Regarding Your Fifth Third Bank...

Installment Loan Dear [redacted]: We received a copy of the complaint filed by Brandy L. Snyder on your behalf with the Revdex.com concerning your installment loan. We appreciate the time you have taken to express your concerns regarding this matter. Please accept my deepest sympathy for the loss of your son. 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. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As I mentioned on my telephone message on October 31, 2016, we sent a signed W9 form via [redacted] overnight mail on October 31, 2016. The tracking information on that package confirmed you received the letter Tuesday November 1, 2016. Upon receiving your complaint, we reviewed your telephone calls to the Customer Service Department. On September 28, 2016, Jason contacted the Customer Service Department and was provided a fax number to our Depositor Service Department. I am sorry that you did not receive a copy of the signed W9 tax form prior to November 1, 2016. Our review of the payment history for your installment loan determined the Bank received your payment of $527.00 on October 18, 2016. This payment was made within the fifteen (15) day grace period on your loan. There were no late charges or negative credit reporting resulting from this payment. Your next loan payment of $526.62 is due on November 9, 2016. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. If I can be of further assistance, please contact me toll free at ###-###-####, or directly 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 would like to respond to the response from Shawna at Firth Third Bank. The note that was included with the 3 checks was of loose leaf size paper and all 3 checks were wrapped inside of the note so to say no one bothered to take the note out of the envelope is really covering up for a more serious problem within that department. They had to take the paper note out of the envelope and unwrap it in order to see all 3 checks. Also, my bank corrected the problem after I called them and made them aware. The duplicate payment clearly showed on my checking account statement and that is how I was made aware of the error. Fortunately, I did not send out checks to pay bills during this time or there would have been bounced checks. Again, Fifth Third needs to own it and not make excuses. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  I hope that 53 bank will increase customer service training for their bank teller, branch managers and call center employees so "listening" to customer requests becomes a top priority. 
Regards,
[redacted]

[redacted] Date: April 8, 2017 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your vehicle installment...

loan. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Your vehicle installment loan was paid in full and closed with a zero balance owed on June 16, 2011. On June 17, 2011, the Bank mailed the release of lien documentation to you. On April 21, 2017, you contacted the Bank to request a copy of the release of lien documentation. Per your request, a copy of the release of line documentation was mailed to you on April 24, 2017. On May 1, 2017, you contacted the Bank to request a copy of the release of lien documentation that you requested on April 21, 2017. At that time, you explained to the Fifth Third Bank employee assisting you that you did not receive the copy of the release of lien documentation that was mailed on April 24, 2017. The employee assisting you stated that the information could be faxed to you and you provided your fax number on May 2, 2017. The release of lien documentation was faxed to you on May 4, 2017, and you confirmed receipt of the information at that time. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Adam P.Office of the President

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. 
Regards,
[redacted] is representing Fifth Third who says I owe them money. My checks were made out to the electric company and the water company neither of which were paid. So I do not owe Firth Third or [redacted] any money.
I put my checks in the mail at the post office on 11/22 as of December 28, neither check had reach it's destination. Fifth Third and [redacted] need to go after the person that own the account they gave the money to.
Fifth Third and [redacted] are bouncing me around. Per the message, which I kept, Ms. H. is saying that [redacted] is the one trying to collect. Per the mail, which I kept, [redacted] is saying they are collecting on behalf of Fifth Third. What did they do with the money? they need to stop stealing and trying to get someone to pay it back. I owe them nothing. They did not give me any money.
I want my name cleared, my credit cleared with all three credit bureaus, and any infractions with any companies that they have created and I want it in writing.
Thanks

Please find below the text of the letter and enclosure being mailed to the customer. The 2nd enclosure providing detailed account activity is not being provided here for security reasons, but is being mailed. Thank you.[redacted] Date:...

May 17, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received the complaint you filed with the Revdex.com regarding your checking account. We are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. To prevent an overdraft situation, you can review your account at an ATM (Automated Teller Machine), on our website at 53.com, through mobile banking, or by calling our Customer Service Department at ###-###-####. Our toll-free Telephone Banking system is available twenty-four (24) hours and Customer Service Representatives can be contacted at the same telephone number and are available Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m. ET. We are very sorry for the difficulty you have recently experienced with your checking account. Unfortunately, the Bank does not have a way to place a hold on your checking account to prevent additional transactions from posting. As of today, your checking account remains overdrawn for ($1,024.86). Please note that we are unable to close an account while the available balance remains in a negative state. If you do not return your account to a positive state, it may be charged off and reported to ChexSystems for collection proceedings. I am enclosing a copy of the response to your April Revdex.com complaint. It provides a detailed explanation of Overdraft Coverage and the status of your account at that time. I have also enclosed a printout of the posted account activity since your last statement so that you can reconcile your account activity. This is the same information you view online when you log into Online Banking at 53.com, or our Mobile Banking app. Our research did not find that you have disputed any account activity. If this negative balance is a result of transactions you did not authorize, you can dispute those transactions by contacting our Dispute Resolution Department. You may contact our Dispute Resolution Department directly at ###-###-#### Monday through Friday 7:00 a.m. to 8:00 p.m. or Saturday 8:30 a.m. through 5:00 p.m., ET. If the disputes are found in your favor, a credit will be given for the original transaction amount as well as any overdraft fees associated with that transaction. If you have authorized a check with your signature and provided it to a payee, the payee can submit your check electronically for payment. If you have outstanding checks, or ACH (Automatic Clearing House) payments, that you want to stop from posting to your account, you can either make alternate arrangements with the payees involved or place a stop payment for each item. When requesting a stop payment, we require the exact details of the check item including the date, the exact spelling of the payee’s name, and the payment amount. There is a stop payment fee of $33.00. The Bank will honor only the exact information given us; otherwise, the Bank is not responsible. When there is a stop payment order, the item will be returned unpaid from your account after being presented for payment. If there is no stop payment order and the item is presented for payment while the account has insufficient funds that check may be returned unpaid to the payee involved and subject to overdraft fees. After that time, the payee may resubmit the check for your payment obligations. In the interest of customer service, previous overdraft fees were waived on October 19, 2016; February 22, 2017; and April 26, 2017. Therefore, we are not willing to waive additional fees at this time. It is not our intention to cause you any hardship and I apologize for the inconvenience this matter 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 Pc: Revdex.com Enclosure: Previous response; Printout of account activity

October 31, 2014
[redacted]
[redacted]
[redacted]
[redacted]
Re: Mortgage Loan
[redacted]
Dear Mr. [redacted],
We received a copy of the second (2nd)
complaint you submitted to the Revdex.com regarding your mortgage
loan. We appreciate the time you have taken to document your additional
thoughts and concerns regarding this matter.
Again, on behalf of the
Bank, please accept my sincere apologies for the difficulties you have
encountered with your mortgage loan ending in [redacted]. However, we stand by the responses conveyed to you in our
previous letters sent to the above address on August 15, 2014, September 22,
2014, and October 17, 2014. Our position on these matters has not changed.
We make every effort to
ensure that your mortgage loan payments are properly processed in as timely a
manner as possible. However, if a misapplied payment goes undetected, we are
more than willing to research the payment in question. As we previously explained,
once you notified us in July 2014 about the discrepancy with your payments, we
completed a manual loan adjustment on July 23, 2014 to reverse all of your
monthly payments since March 31, 2014. We also placed a notation on your
mortgage loan in an attempt to ensure that we apply any monthly payments we
receive, prior to or on your due date, towards the upcoming monthly obligations
owed going forward. This will prevent us from applying funds, in addition to
your monthly payment, towards the principal balance in the future unless you
later instruct us otherwise.
As we also explained previously, when you
contacted the Bank regarding the delinquency on your credit report, we
immediately escalated your concerns to management to ensure that your credit
report was being accurately reported by all[redacted]) credit-reporting agencies.
On October 16, 2014, we confirmed that all credit-reporting agencies are
correctly reporting as of October 2014, and there is no delinquency showing on
your credit report.
While we regret your experiences, we still
believe we have adequately resolved your issues in accordance with the Bank’s
policies and procedures. Therefore, we are unable to provide you with any
additional compensation at this time. I am sorry for any frustration this may
cause you.
Mr. [redacted], I am sorry for
any inconvenience these matters may have caused you. After multiple
communications with you via mail, we consider this issue closed, and we will no
longer be sending written correspondence to you regarding these matters. If I could
be of further assistance to you, please contact me directly at [redacted]
[redacted]
Sincerely,
[redacted]
Senior Consumer
Resolution Specialist 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.  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]

Please close this complaint, I do not wish to continue further. It is clear that Fifth Third Bank is sticking to their extortion policies involving overdraft fees. Their policies are nothing more than fabricated BS, with no true ethic value nor substance.

Please see attached response to customer.  Thank you.February 20, 2015 [redacted] Re: Secured [redacted] ending in[redacted] Dear [redacted]: We received a copy of your complaint recently filed with the Better Business...

Bureau, regarding the difficulties you have experienced with this account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. 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 confusion or undue hardship. We strive to provide professional and accurate information to our customers, and we regret if that has not been your experience. Your credit card account is considered [redacted] if we do not receive the total minimum payment by the due date indicated on your monthly statement. Should your account remain [redacted] two (2) or more consecutive billing cycles, the credit card may be [redacted] and cancelled for further usage. During the time that your payments are [redacted], our Collection Department will attempt to notify you via the telephone numbers we have on file for you. As an alternative to statements, you also have several options available if you wish to review your credit card account balance and the minimum payment due including via the Internet at www.53.com, visiting your local Fifth Third Financial Center, or by calling our Customer Service Department at [redacted]. It is important to ensure that you make the total minimum payment by the due date on your monthly statement in order to prevent any late fees. On November 11, 2014, we sent your credit card statement to the address listed above. The balance on your credit card was $[redacted] at that time, and a minimum payment of $[redacted]was due by December 8, 2014. We did not receive a payment on that day and a late payment fee of $[redacted] was assessed to the account. Per your request, on January 19, 2015, customer service reversed the $[redacted] late payment fee, as a courtesy to you. In addition, a credit posted to your account on November 17, 2014, in the amount of $[redacted] from [redacted]. On December 11, 2014, we sent you a statement indicating that your new balance was $[redacted], with a minimum payment of $[redacted] due by January 8, 2015. We did not receive a payment by that day and a late payment fee in the amount of $35.00 was assessed to the account on January 9, 2015. On January 11, 2015, we sent you a statement indicating that your new balance was $392.80, with a minimum payment of $[redacted] due by February 8, 2015. On January 17, 2015, you contacted the Bank to report your card lost and a block was added to your account and a new card was ordered that day. On January 27, 2015, your credit card account remained past due two (2) minimum payments for the December 11, 2014 and January 11, 2015 statements. Since your credit card remained [redacted] during two (2) consecutive months, the account was [redacted] on January 27, 2015. Due to this reason, you are no longer able to use the card. Fifth Third Bank, Member[redacted]. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp On February 10, 2015, we transferred $[redacted]from your savings account ending in[redacted], which is attached to your Secured [redacted], to offset your account. This transfer gave you a [redacted] balance in your savings account and a balance of $[redacted] on your Secured [redacted], with a minimum payment of $[redacted] due by March 8, 2015. I have included your credit card statements from November 2014 through February 2015, for your review. We have completed our review of the payment history reporting on your credit report for your credit card account. Our review determined that the information provided to the credit reporting agencies is accurate. We are required to report accurate information to the credit reporting agencies and we are unable to change our reporting unless it directly relates to a bank error. Therefore, we are unable to remove the [redacted] status from your credit card account. If you would like to contact the credit bureaus directly, their contact information can be found below: [redacted] 
[redacted] 
[redacted] 
[redacted] Mr.[redacted], thank you for your patience while waiting for a response. It was certainly not our intention to cause you any confusion or undue hardship and we sympathize with the difficulties you encountered. You are a valued customer and we sincerely hope that you will continue using Fifth Third Bank for your financial needs in the future. If I could be of further assistance to you, please call me directly at [redacted], or toll free at [redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the President