PROCORPSA

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. 
[First of all, I would like to know the exact date the check in question cleared. Secondly, I would like to know how many overdraft charges I have had within the past 12 months. I do not think the bank should place a hold on my check due to overdraft issues. Fifth Third bank charges a hefty overdraft fee of $37 per transaction. In comparison, other banks like [redacted] would give you a grace period to deposit enough funds to avoid the overdraft charge. Fifth Third paid my monthly insurance premium of $300.29 to [redacted] on 7/5/17 but then reversed the charge again on 7/6/17. This caused my insurance payment to be late and a return fee of $25 charged by [redacted] (see attached) . This is not right!]
Regards,
[redacted]

[redacted] Date: October 24, 2017 Checking Account: [redacted] Regarding Your Disputed Transaction Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. 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 am sorry for your unsatisfactory experience during your previous attempts to resolve this matter. A charge of $626.88 was made with the joint account holder’s debit card ending in 3937 on June 26, 2017. The related checking account was closed on July 31, 2017. There was no transaction dispute filed with the Bank because you resolved the matter directly with the merchant. When the merchant issued a credit of $626.88 to the debit card on September 16, 2017, it stayed on the card. The checking account was reopened at your request on September 16, 2017, by your local Financial Center with the expectation that the credit would automatically move over to it; however, a manual adjustment was required. You contacted the Bank on October 2, 2017, to request that the funds be moved into the checking account. The agent you spoke with advised you that the funds would be moved within three (3) business days. Your follow-up call on October 9, 2017, triggered another adjustment request to move the credit from the card into the checking account. The credit posted into the checking account on October 16, 2017. The checking account ending in [redacted] was not overdrawn during this interval and no fees were charged to the account. I understand your frustration regarding this situation and I am sorry for any inconvenience this matter caused you. Please be assured we have researched this matter fully, and passed your concerns on to the Bank’s senior management. The checking account ending in [redacted] remains open with a balance of $3.47. If your intention is to have that checking account closed, please contact me using the information below and I would be happy to assist you further. 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

[redacted] Date: December 15, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We...

received your complaint filed with the Revdex.com regarding your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Thank you for taking the time to speak with me via telephone regarding your concerns with the customer service you have received, as well as the difficulty you have experienced with obtaining a debit card for your new checking account. During our conversation, I communicated to you that I was able to review several of the recorded telephone calls that took place, and I understood your frustration. As a customer service gesture, I have enclosed a gift card for the difficulties you have experienced while trying to resolve this matter. Please be assured that we take concerns like yours very seriously, and we have addressed and forwarded your concerns to the appropriate personnel. On behalf of the Bank, please accept my sincere apology for the difficulty you experienced. During one (1) of our telephone conversations, you confirmed that you received the replacement debit card I sent to you. If you recall, prior to sending you that replacement debit card, I mentioned that I saw there were several different customer profiles for you in one (1) of our systems, which was the cause for the misspelling of your first name on the debit card you received. In order to send you the new debit card, I had to ensure these profiles were all merged into one (1) centralized profile with the correct name spelling to ensure the card was created appropriately. These multiple profiles all had different contact information listed for you. One (1) of the four (4) profiles that existed had the old address, and when the debit cards were ordered, that old address was used. Since the profiles have been merged, this will not happen again in the future. As you indicated that your Aunt resides at that address, and she was able to advise you that mail had arrived for you, no account information was exposed. Thank you again for bringing this matter to our attention and allowing us to opportunity to assist you. [redacted], we appreciate your patience while waiting for our response. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W.Office of the President Pc: Revdex.com Enclosure: Gift Card

March 18, 2016[redacted] Important Information About Your Fifth Third Account Dear [redacted]: At Fifth Third Bank, we appreciate the confidence you have placed in us as your bank. To maintain this confidence, we...

know it is important to keep you informed when issues arise. We received a copy of your complaint filed with the Revdex.com, concerning your account statement being given to a third party in error. You confirmed that you provided your tenants with your checking account number to enable them to deposit rent into your account. We determined that a bank representative erroneously provided your account statement to your tenants after they supplied the account number. Your statement contained the following information: name, address, account transactions, and account number. On behalf of the Bank, please accept our sincere apologies for any inconvenience or frustration this situation might have caused you. Please be assured that our Bank Protection Department was notified and are currently investigating this matter further. Our Bank Protection also recommended you close your current account and open a new checking account, and that the number not be disclosed to third parties in the future in order to prevent potential fraud on the account. At this time we are not aware of any fraudulent activity due to this incident, but you can be certain that we take this situation very seriously. We also want to take precautions to further minimize the risk of fraudulent transactions or identity theft resulting from this matter. For that reason, we will provide you with Fifth Third Identity Alert® for three (3) years at no charge. Fifth Third Identity Alert is an identity theft protection and credit monitoring service that Fifth Third has enlisted to provide you with access to your credit report from all three national credit reporting agencies. Your credit file from a national credit reporting agency will be monitored daily for activity. As with any financial service, you should carefully review the terms, conditions and privacy policy of Fifth Third Identity Alert before enrolling in the service. We ask that if you choose to enroll, you do it within 30 days of receiving this letter. You’ll receive: * Single Bureau Daily Monitoring*1 * Up to $25,000 in Identity Theft Insurance2 * Social Security number monitoring **3 If you choose to accept the service, you may enroll in one of two ways: 1) Sign up online at 53identityalert.com/awareness and enter the requested information including your individual online Activation Code which is [redacted]. 2) Bring this letter to a Fifth Third banking center and a customer service representative can assist you. To further protect yourself, we recommend you closely review all your account statements over the next 12 to 24 months. If you encounter any unauthorized or suspicious activity or if you have any questions, please call me immediately at ###-###-#### so I can get you any necessary help. Also, you will find enclosed with this letter additional information on how to monitor your credit report and protect against or report fraudulent activity. Sincerely, Elizabeth J.Office of the President The benefits in Fifth Third Identity Alert are provided by Fifth Third’s vendor, [redacted]

[redacted] 
[redacted] 
[redacted] Date: April 28, 2016 Account [redacted] Regarding the Inquiry on Your Revdex.com Complaint Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning...

quarterly statements not being received since July 2015. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, I apologize for the difficulties you have experienced. It was certainly not our intention to cause you any undue hardship or frustration. However, statements are mailed out on a monthly basis to provide current activity and payment due information. I reviewed your statements for the last year and confirmed with the installment loan department that statements are being mailed out each month to the address listed above. Additionally, for your convenience statements are available online at 53.com in the document center and I have enclosed copies of the statement issued from July 30, 2015 through March 29, 2016. We appreciate your patience while we researched this matter and apologize for any inconvenience this situation 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, Shannon K. Office of the President Enclosure: Statements

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]

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.  Have not received any correspondence or contact from Bank. Submitted new insurance via email and hardcopy still no response.no actions taken until I called bank and complained after 5 calls. Have chosen not to do business with Bank due to poor customer service.
Regards,
[redacted]

[redacted] Date: July 14, 2017 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted] We received a copy of the complaint you filed with the Revdex.com concerning your Essential...

Checking account. We appreciate the time you have taken to document your thoughts and concerns 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 also accept my sincere apologies for the level of service you received when you previously contacted the Bank regarding this matter. We strive to provide professional and accurate service to our customers and we regret if this has not been your experience. 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. Per the Bank’s Funds Availability Policy, when a check is deposited into a consumer checking account using the Bank’s Mobile Deposit service prior to the cut-off time of 8 p.m., ET, up to $100.00 of the total of your check deposits will be immediately available to make purchases, withdrawals, and cover any items that may post to your account that business day. The remaining funds will be available on the second (2nd) business day after the day of your deposit. In some instances, we reserve the right to place a hold of a longer period of time on a deposit. The full amount of the hold will not become available until the hold has ended. Availability of the funds will generally be no later than the seventh (7th) business day after the day of your deposit. Depending on the reason for placing the hold on your deposit, part of the deposit or all of the deposit may be held. It is important to note that the Bank does not control the amount of time it may take for a check to clear, nor does the Bank have any way to expedite this process. A hold may be placed on a check to allow sufficient time to ensure the check will not be returned. On July 3, 2017, a mobile deposit of $2,539.00 posted to your Essential Checking account. During the processing of your deposit, a hold was placed. Because your deposit was made using Mobile Deposit, rather than in-person, we were unable to notify you of the hold at the time of your deposit. However, the Bank did issue a letter to you on July 3, 2017, to inform you of the hold, the reason for the hold, and when the deposited funds would become available. For your records and convenience, we have enclosed a copy of the letter. The Bank may place a hold on a deposit for several reasons. One of the reasons the Bank may place an extended hold on a deposit, is when the account into which the check(s) being deposited has had a history of repeated overdrafts in the last six (6) months. As is indicated in the letter we sent on July 3, 2017, this is the reason for the hold placed on the mobile deposit received on July 3, 2017. I have also enclosed a copy of the Bank’s Deposit Account Rules and Regulations for your review and convenience. For more information about the Bank’s Funds Availability policy for consumer accounts, please refer specifically to page nine (9). For more information about an extended hold being placed on a deposited check, please refer specifically to page twelve (12). For more information specific to the funds availability of mobile deposits at Fifth Third Bank, I have enclosed a copy of the Bank’s Digital Services User Agreement. We regret any inconvenience this may have caused you. You are a valued customer of the Bank and it is not our intention to cause you any hardship. Because the hold on the funds you deposited was placed in accordance with the Bank’s Deposit Account Rules and Regulations, the hold on the funds you deposited could not be removed until the hold was scheduled to be removed on July 13, 2017, as is indicated in the letter we sent on July 3, 2017. Thank you for your patience while waiting for a response. We truly value your business, and we look forward to continuing our banking relationship with 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, Adam P.Office of the President PC: Revdex.com Enclosures (3): Letter Dated July 3, 2017 Deposit Account Rules and Regulations Digital Services User Agreement

[redacted]We have responded to this customer’s complaint twice. She does not provide any additional information in the 2nd rebuttal.Can you please advise the customer that we stand by our 2 previous responses and consider this matter closed?Thank you,Lisa S.| Fifth Third Bank Consumer Resolution Specialist| Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263P: ###-###-#### F: ###-###-#### email: [redacted]

[redacted] Date: November 16, 2016 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 the difficulties you have experienced with your mortgage loan ending in [redacted]. It was certainly not our intention to cause you any hardship. 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. On November 10, 2016, we processed the refund of $500.00 and mailed a check to you for this amount via USPS (United States Postal Service) regular mail. We truly regret any inconvenience or frustration the delay in processing the refund may have caused you. If you do not receive the refund check within seven (7) to ten (10) days, please contact me at either number below. I hope this letter meets your satisfaction and resolves your needs. Thank you for your patience while we conducted our research. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] Date: September 8, 2016 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com regarding your mortgage loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration you may have experienced. However, we stand by our previous responses sent to the above address on August 31, 2016. I have enclosed a copy of our previous written response for your review. Our position on this matter has not changed. As mentioned in our prior response, an escrow account was established for the mortgage loan ending in [redacted]. The parcel number associated with your mortgage loan is [redacted]. Our research has confirmed the Bank has paid your property taxes, with the most recent payment being made to [redacted] County on July 8, 2016. Our research was unable to locate a mortgage loan and/or escrow account for the property located at [redacted], in [redacted], [redacted]. For your review and verification that this property is not included in your mortgage ending in [redacted], I have enclosed a copy of the appraisal dated July 22, 2014. Please note the address and parcel number on the appraisal, [redacted], Assessor’s Parcel # [redacted]. I hope this correspondence cleared up any outstanding questions you had related to this issue. We truly value your business, and we look forward to continuing our banking relationship with you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com

[redacted] Date: March 15, 2016 Accounts: [redacted], [redacted] Regarding Your Identity Alert and Basic Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

concerning your Basic Checking account and the Identity Alert service. We appreciate the time you have taken to document your thoughts and concerns. We completed a review of the Basic Checking account ending in [redacted]. Our review determined that the account was opened on August 18, 2015, but the deposit to fund the account was not made. On November 11, 2015, the account was closed and charged off with a negative account balance of ($200.00). Because the account was never funded, we have removed the reporting from [redacted]. I apologize for any difficulties you experienced when attempting to resolve this matter. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com

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.   
Once again the response clearly does not address the very valid questions that anyone in this case would have. Then once again clearly states the opposite of what I have been indicating since May 27, 2016 to the present time that the services to be rendered by attorney [redacted] for the charge of $350 on 5/26/2016 were not rendered.My questions have been stated clearly in the previous responses and have not been addressed in the slightest attempt. Please refer to the previous communication as far as addressing them. For me to type them again is a bit ridiculous at this point. Since again they have not even been addressed at all. Just responding saying services were rendered based off of my own letter detailing the reason for the dispute as being services were not rendered is not appropriate. As far as my own letter indicating that services were rendered is ridiculous when it clearly explains that the reason for the dispute entirely is because the information [redacted] said that she would obtain was not obtained for the $350. As I have stated several times as far as the documents used for the investigation, why one of them is not a response from [redacted] herself and why this would not have an income on the investigation outcome.I have also provided information about the extremely poor details and customer service regarding my dispute. Along with a very strange conversation with someone named Lemont who I was told is a manager in the dispute dept, the only other information you clearly need to obtain is from attorney [redacted] which has been over 90 days that she did not even respond which looks even more fraudulant on top of taking my $350 and doing nothing for it.Please address the questions and concerns that I have stated previously several times. The attempts to go around them clearly indicates a problem at Fifth Third Bank in regards to a customer filing a dispute. That is the reason already why this is at the level of the Revdex.com along with other financial business regulators.
Regards,
[redacted]

[redacted]Date: August 19, 2015Account:           [redacted]Regarding Your Checking AccountDear [redacted]:We received a copy of the complaint filed with the Revdex.com regarding your checking account....

We appreciate the time you have taken to document your concerns regarding this matter.On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. It was certainly not our intention to cause you any frustration or undue hardship. We strive to provide professional and accurate information to our customers, and I am sorry if that has not been your experience.Overdraft protection automatically transfers funds from a Fifth Third Bank savings account, credit card, or equity line to cover items that overdraw your checking account. With overdraft protection, we charge a transfer fee of $12.00 for each transfer versus an overdraft fee of $25.00 or $37.00 for each posted item that overdraws your account. Please be aware that overdraft protection will cover all types of transactions when the available checking account balance is insufficient.In contrast to overdraft protection, some of our deposit accounts have overdraft coverage for ATM (Automated Teller Machine) transactions and one-time debit card transactions. Overdraft coverage allows a customer to access funds beyond the balance in their account for emergency cash needs. According to Federal Regulations, customers have the option to choose whether to continue having overdraft coverage on their checking account. Overdraft coverage may be declined verbally by calling our Consumer Contact Center at ###-###-####, or visiting one of our local Banking Centers, or via our Internet Banking at www.53.com. After further review of your checking account, we confirmed that you accepted overdraft coverage via our Internet Banking on June 18, 2010, at 11:06 a.m. EST.If the available balance in your checking account is not sufficient to cover items that post and there is an insufficient available balance in your ready reserve account, the posted items may be returned unpaid and subject to overdraft fees. The per item overdraft fee is based on the number of occurrences in the last twelve (12) months. For the first occurrence, you will be charged $25.00 per item. For any additional occurrence, the charge is $37.00 per item. Should the account become overdrawn, we also send an overdraft notice via standard mail to inform you of the occurrence, which includes a detailed breakdown of the day’s transactions. I have enclosed a copy of our Rules & Regulations handbook that you received and agreed to when signing a signature card to open the checking account. Pages 2, 11, and 12 provide additional information regarding overdraft and the related fees.On July 27, 2015, your account balance in your checking account was positive $34.57. One (1) item in the amount of $71.96 posted to your account. Although you had overdraft protection, there were insufficient available funds on your Ready Reserve account ending in 6207 to cover the item presented. Therefore, your ending balance in your checking account was negative ($37.39). Due to insufficient funds, we assessed one (1) overdraft fee of $37.00 to your account the following business day.On July 29, 2015, your account balance was negative ($74.39). Two (2) items totaling $45.02 posted to your account. Your ending account balance was negative ($119.41). Two (2) overdraft fees of $37.00 each posted to your account the following day.On August 4, 2015, your account balance was negative ($193.41). You had a debit in the amount of $36.07 post to your account. Due to insufficient funds, one (1) overdraft fee of $37.00 posted to your account the next day.On August 5, 2015, your account balance was negative ($229.48). One (1) transaction for $4.98 posted to your account. Your account balance was negative ($271.46). Since you did not have enough funds to cover this transaction, your account was charged an overdraft fee of $37.00 the following day.It is important to ensure that your account has enough funds to cover all of the transactions you have authorized. However, in the interest of customer service, on August 12, 2015, $74.00 of the overdraft fees charged to your account were waived. You will see the credit to your account on your next statement.We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this matter may have caused your client. 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 at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,Lisa S.Office of the PresidentPc: Revdex.comEnclosure: Rules and Regulations

[redacted]I apologize for the delay in getting back with you regarding this complaint.In this additional rebuttal, the customer does not provide any additional information and simply reiterates the same information provided in the two previous complaints.We have fully researched this matter and responded to the customer twice.We have explained that her name was on the account in question and the mailed statements and notices were addressed to her and sent to her address.Sorry again for the delay in getting back with you.Thank you,Lisa S. Fifth Third Bank Consumer Resolution Specialist| Office of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
Regards,
[redacted]
I made it very clear and asked repeatedly for them to tell me how much money I owed. They have recorded conversations. The assured me I, after I paid the $4K+ that there was nothing else owed until May 18,2016. Now they have alleged I owe more. What a POS company!!!!

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.  Their response was just a restatement of their previous position without regard to the individual needs of an 88 year old customer without computer or telephone skills.  That is the same position taken by the staff at the branch.  We would like to remain customers, but we feel that justice demands that this issue be resolved completely in our favor and a complete refund of all dormant and monthly fees totaling $278, which has been wrongfully retained by Fifth Third Bank.
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.   
Regards,
[redacted]Problem: So Adam P. told me that I was liable for a $117.86 charge that I didn't make but the real thing about this bank is that I am scared to contact customer service because last time I did someone named Rachel illegally cut off my card and I was forced to walk home from the store having no available money. Adam P.has informed me that the customer service agent has not been fired and therefore I live in fear of my own bank. I cannot call customer service without the fear of being harassed and bullied and having illegal activity done to me in retribution. I can only say that this bank cannot be trusted and I feel betrayed by this bank and don't trust it to call and tell my problems to itDesired Outcome: I want you to let them know that their actions are not professional and that I am scared to even contact them.

[redacted] 
[redacted] 
[redacted] Date: August 2, 2016 Application #: [redacted] Application #: [redacted] Regarding Your Mortgage Loan Applications Dear [redacted]: We received a copy of your complaint filed with the Revdex.com...

(Revdex.com) regarding your mortgage loan applications. 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 reviewed each of your applications for a mortgage loan that were submitted to the Bank, which were both denied. We confirmed that we completed one (1) inquiry into your credit report related to application [redacted] on October 15, 2015. We also completed one (1) inquiry into your credit report in relation to application [redacted] on March 31, 2016. We verified that we completed one (1) inquiry into your credit report for each of the applications you submitted. If your credit report reflects that we completed more than one (1) inquiry into your credit report for each of the applications, please submit a copy of your credit report reflecting the multiple inquiries so that we can further research your concerns. I can be reached using our address listed above. The documentation can also be faxed to my attention at ###-###-####. 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

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.   
Per my original complaint and all subsequent complaints, Fifth Third has put in writing to me that my overdraft limit is $2500 but they still rejected numerous items and charged me fees.  Additionally, there are numerous instances where they rejected items, charged me a fee, the merchant re-presented the exact same charge, they charged me another fee but paid the charges, with no changes to my account between events.  They have made no effort to address these issues except by restating what they already told me which was that they are standing behind their original decision.  Because they formally stated that my overdraft protection is $2500, but they denied transactions less than this and charged me fees, I would like all the fees from October to-date refunded and an exact and formal explanation of how my account will be managed going forward.
Regards,
[redacted]