PROCORPSA

Please see below the response being mailed to the customer today. The check will be included with the mailed response. Thank you. [redacted] Date: October 27, 2016 Account: [redacted] Regarding Your Bill Payments Dear...

[redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding the bill payments you set up through Fifth Third Bank’s Online Bill Payment. 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 within the Bank. I also want you to know that feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Payments through Online Bill Payment may be set up as one (1) time payments, or recurring payments. It is your responsibility to cancel, skip, reschedule, or revise a scheduled payment as necessary. The due date for a payment means the date by which you schedule the payment to be delivered to a payee unless the date falls on a non-business day, in which case it shall be the preceding business day. A business day is defined as Monday through Friday, excluding Federal Holidays. You should allow up to five (5) business days for the payment to be processed to ensure that the payee receives the payment by the scheduled due date. I have enclosed a copy of our Digital Services User Agreement for your convenience. Please refer to pages six (6) and seven (7) regarding Online Bill Payment. Please note that some bill payments are made via check, and some are made via electronic transaction. Fifth Third Bank cannot control when a check will be presented by a payee, and it is possible for a check to be presented before the due date. It is your responsibility to ensure you have sufficient funds available in your account to pay all requested bill payments, no matter the method of payment. If you do not, you may incur fees such as overdraft fees, or returned item fees. On October 12, 2016, you set up two (2) payments through Online Bill Payment in the amounts of $117.76 and $563.60 which were both made payable to [redacted]. You scheduled the payments with a “deliver by” date of October 18, 2016. Both payments were paid via check, so they were processed and mailed that same day, which was four (4) business days before the “deliver by” date, to ensure that the payments would be delivered by October 18, 2016.  On October 17, 2016, both bill payments posted to your checking account. On that day, the beginning balance in your account was $1,437.37. In addition to the two (2) bill payments totaling $681.36, ten (10) debit items totaling $1,229.15 posted your account resulting in a negative ending balance of ($473.14). Due to insufficient funds for four (4) items, including the two (2) bill payments, four (4) overdraft fees totaling $100.00 were assessed and posted to your account the following business day. On October 18, 2016, your account was brought to a positive balance. I have enclosed a copy of the overdraft notice we sent to you on October 18, 2016, for your review. It was certainly not our intention to cause you any hardship. After speaking with Lee F., Bancorp Resolution Manager, regarding your telephone conversation with her, I recognize that I should have given you a status update on your complaint rather than waiting on a resolution. I am truly sorry for that, and I want to assure you that going forward I will make sure to keep customers up-to-date on the statues of their complaints regardless of whether a resolution has been reached. As you discussed with Ms. F., we have enclosed a check in the amount of $26.00 to reimburse you for the remainder of the overdraft fees you incurred. Thank you for your patience while we researched this matter for you. We deeply regret that you felt the need to close your account, and we sincerely hope you will reconsider allowing Fifth Third Bank to serve your financial needs in the future. 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: Digital Services User Agreement, Overdraft Notice, Reimbursement Check

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

to you due to it being fraudulent. We appreciate you taking the time to notify us of this and the information has been forwarded our Fraud Department. We would like to offer our sincere apologies for any inconvenience this matter may have caused you. While we are unable to provide you details regarding the Fraud Department’s investigation, or reimburse you for the check, we recommend contacting your local police department to further discuss the situation. They are able to assist you with completing the necessary documents for any fraud that may have occurred. We strive to provide professional and accurate service to our customers, and I apologize for any difficulties you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shannon K.Office of the President

[redacted] Date: February 19, 2016 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your mortgage loan....

We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your mortgage loan. 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 concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We completed a review of the mortgage loan account ending in [redacted]. On August 19, 2015, we sent the enclosed letter to the address listed above requesting proof of payment for the 2014 property taxes due to [redacted]. As explained in this letter, if acknowledgement of payment was not received within thirty (30) days from the date of the letter, to protect our interest in the property, further action may be taken which may include payment of the delinquent taxes and establishing an escrow account for the future. Because we did not receive proof of payment for the 2014 property taxes due to [redacted], on November 3, 2015, we submitted a payment for the delinquent taxes in the amount of $330.00. Please refer to page four (4) of the enclosed Mortgage, which explains that the Bank may exercise its rights to pay escrow items and the borrower is obligated to repay the lender. On November 10, 2015, we sent the enclosed letter and Corrected Annual Escrow Account Disclosure Statement to the address listed above explaining that the Bank had paid the delinquent taxes and an escrow account was established for the future tax payments. As explained in the escrow statement, projected payments were scheduled to be disbursed in January 2016, and June 2016, in the amount of $4,383.50 each for the [redacted] property taxes. This statement also presented the three (3) options available to pay the escrow shortage in the amount of $6,174.68, which included the following: 1. Pay the escrow shortage of $6,174.68 in twelve (12) payments of $514.55. These shortage payments would be included in your new monthly payment of $2,656.57, which would begin January 1, 2016. 2. Pay the escrow shortage of $6,174.68 in full by November 20, 2015.Your new monthly payment would be $2,142.02. 3. Pay part of the escrow shortage of $6,174.68, and the part that is not paid would be divided evenly and added to your mortgage payment each month for the remainder of the annual review period. Because we did not receive the escrow shortage payment from you, option one (1) was chosen by default and effective January 1, 2016, your new monthly payment was $2,656.57. On November 20, 2015, you contacted our Customer Service Department to inform us that the taxes were current and the proof would be faxed in so we could request a refund from the [redacted]. On November 30, 2015, the document from [redacted] showing the penalty was waived was faxed to the Bank. Because we received this documentation, we requested these funds to be returned by [redacted], and on December 11, 2015, we received the $330.00 credit to the escrow account. Because these funds were credited to the account, on December 22, 2015, we reanalyzed the escrow account, and sent the enclosed Corrected Annual Escrow Account Disclosure Statement to the address listed above. As explained in the escrow statement, projected payments were scheduled to be disbursed in January 2016, and June 2016, in the amount of $4,383.50 each for the [redacted] property taxes. This statement also presented the three (3) options available to pay the escrow shortage in the amount of $5,844.68, which included the following: 1. Pay the escrow shortage of $5,844.68 in twelve (12) payments of $514.55. These shortage payments would be included in your new monthly payment of $2,629.07, which would begin January 1, 2016. 2. Pay the escrow shortage of $5,844.68 in full by January 1, 2016. Your new monthly payment would be $2,142.02. 3. Pay part of the escrow shortage of $5,844.68, and the part that is not paid would be divided evenly and added to your mortgage payment each month for the remainder of the annual review period. Because we did not receive the escrow shortage payment from you, option one (1) was chosen by default and effective January 1, 2016, your new monthly payment was $2,629.07. It should be noted that full or total monthly payment amounts are required before we can post a payment to your mortgage. A full monthly mortgage payment includes your total principal and interest payment due, plus your monthly tax and insurance obligations. If we do not receive the total mortgage payment that is due, any funds or partial payments that we receive may post to the account in an unapplied state. Any unapplied funds may be reapplied or returned to you at a later time depending on the degree of delinquency on the mortgage account. We also reviewed the recent payment to the account. As explained in the enclosed Note, your full payment is due by the first day of each month. If you do not pay the full amount by the end of the fifteen (15) day grace period, a late charge will be assessed to the account in the amount of 5% of the overdue principal and interest payment. On January 15, 2016, we received your payment in the amount of $1,411.44, because this payment didn’t satisfy the payment due for January 1, 2016, in the amount of $2,629.07, the funds were posted to the account as an unapplied credit. We understand your concerns about the collection notices you received. Our Collection Department sends these notices to customers when a full payment is not received by the due date. They are a failsafe Fifth Third Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. They are certainly not intended to cause you any hardship or frustration. Our review of your escrow account has determined that a disbursement was made on January 5, 2016, to [redacted] for the property taxes in the amount of $4,147.46. On February 18, 2016, we submitted a request to [redacted] to have this payment returned to the Bank. We apologize for any additional concern it may have caused when we were initially informed by [redacted] that they were unable to return the funds to the Bank. We have been advised that it may take up to four (4) weeks for the payment to be returned to the Bank. Although we are waiting on the payment to be returned, in the interest of customer service, we have removed the escrow from the mortgage and adjusted the monthly payment amount to $1,411.44, effective for the payment due for January 1, 2016. We expect that [redacted] will return the funds directly to the Bank. However, if [redacted] returns the funds to you, these funds would need to be promptly returned to the Bank to avoid further escrow activity and adjustments to the monthly payment. As we previously mentioned, your monthly payment amount has been adjusted to $1,411.44, effective for the payment due for January 1, 2016. The following payments have been applied to the mortgage loan: ? We received your payment on January 15, 2016, in the amount of $1,411.44, which was applied to the mortgage loan to satisfy the payment due for January 1, 2016, in the amount of $1,411.44. ? We received your payment on February 16, 2016, in the amount of $1,411.44, which was applied to the mortgage loan to satisfy the payment due for February 1, 2016, in the amount of $1,411.44. Because this payment was received on the first business day of the week, the payment was backdated to the previous Friday, February 12, 2016, to allow for the possibility that the grace period may have ended over the weekend. It should also be mentioned that because these payments were adjusted, there will be no delinquent credit reporting sent to the credit reporting agencies. In addition, the payments were received prior to the end of the grace period, and there were no late fees assessed to the account. 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 Enclosures: Mortgage, Proof of Payment Letter, Delinquent Tax Payment Letter, Corrected Annual Escrow Account Disclosure Statements, Note

[redacted], We received the attached rebuttal for [redacted]. We have previously opened 3 issues and fully researched this customer’s concerns. We have already provided the customer with a copy of the Satisfaction of Mortgage that was recorded by the county on 11/10/15, which documents the fee charged by the county. This newest complaint does not provide any additional information regarding this issue. We have provided 3 written responses to [redacted] and we are considering this matter closed. Thank you, Lisa S.| Fifth Third Bank Consumer Resolution Specialist| Office of the President

[redacted] Date: December 13, 2016 Account: [redacted] Regarding Your Credit Card Account 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. Your payment is due on or before the Payment Due Date shown on your Account Statement. You must pay at least the Minimum Amount Due shown on your Account Statement on a monthly basis. Should your credit card become past due for the minimum monthly payment, the account may be subject to late fees, negative credit reporting, and collection proceedings. In addition, our Collection Department will attempt to contact you by mail and telephone. After thoroughly reviewing your account history, we confirmed that this account was never set up with our free Auto BillPayer service. Auto BillPayer is a free service that automatically deducts payments from a checking or savings account each month on the due date. This service requires a signed enrollment form. Most of the payments you have made to this account have been done over the telephone, or through the Automated IVR (interactive voice response menu). These payment types are processed using the same system as our free Auto BillPayer service which is why they post to your statements as Payment from Auto BillPayer. This account was opened March 31, 2015. It was revoked due to non-payment on November 5, 2015. My research found that there was one (1) payment arrangement made with our Collection Department that involved multiple months. You accepted the following schedule on December 7, 2015, for payments to be drafted: $500.00 to be drafted on December 7, 2015; $500.00 on January 4, 2016; $500.00 on February 2, 2016; and $500.00 on March 2, 2016. No notice would have been sent to you at the end of the verbal payment arrangement. Because you also mentioned your September payment, I have enclosed a copy of the notice generated on September 12, 2016, confirming that a one-time electronic deduction of $144.00 was scheduled to be drafted on September 13, 2016. This review determined that the information provided to the credit reporting agencies is accurate. We regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to remove prior negative reporting. 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. This additional review determined that the Bank has acted in good faith and there was no error in the posting of your payments. While we are unwilling to reverse all the interest and late charges from the account, I have credited your account for one (1) late fee of $35.00. 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 Enclosure: September payment notice

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]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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.   
As I previously stated I was not informed of anything on this account.  The documents mentioned by the bank are addressed to my daughter and not to me.  Again, If there was an issue with the account that could affect my credit or anything else pertaining to me the bank had a legal obligation to notify me independently and they did not do that.  I was never sent a letter addressed to me from the bank.  I was never informed that there was a balance and I was never told that my name would be reported to check systems.  There is no reason for fifth third bank to be taking this action against me.  I have accounts with them currently that I have had for years and I have never had any incidents.  Reporting me to credit agencies and [redacted] is unethical and illegal.  I have not written a bad check, I have not deposited a bad check, I have not signed off on a bad check, no checks have been deposited into my account that were not good and I have not overdrawn my accounts or abused them in anyway. Fifth Third needs to remove my name from [redacted] and they need to unmark my credit file.  I do not owe them any money and I have been a good and loyal account holder.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   I would appreciate a great deal please if Fifth Third Bank would please explain why it immediately issued me a credit to my account concerning my dispute with [redacted] for the amount of three hundred and fifteen dollars and are refusing to issue me a credit to my account for the exact same type of fraudulent transaction which took place that is now occurring with the [redacted], [redacted], as I explained to Fifth Third bank's Dispute department in specific detail when filing both disputes where one of which, [redacted], was immediately credited to my account which was prior to my filing a complaint against Fifth Third Bank with the Revdex.com and the [redacted], with the other, [redacted], not immediately credited to my account and denied only after I filed my complaints with the Revdex.com and the [redacted] against Fifth Third Bank. I will proceed in filing additional complaints with the [redacted] and the [redacted] against Fifth Third Bank and Elizabeth D. if my account is not credited the full amount of my dispute against [redacted] as it is a fraudulent transaction, please.
Regards,
[redacted]

[redacted] Date: September 7, 2016 Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

regarding your recent deposit. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning and I regret the difficulties you have experienced. I have shared the information you brought to our attention with the banking center manager at the [redacted] Banking Center. We appreciate your feedback as it assists us in identifying problems and helps continuously improve the level of service we provide to our customers. However, I cannot inform you of specific internal corrective actions that may be taken to resolve the matter. We appreciate having you as our customer and value the trust you have placed in us. Despite our best efforts, mistakes sometimes happen. On Friday, August 26, 2016, you made an $856.00 cash deposit into your checking account ending in [redacted]. If the deposit would have properly posted to your checking account, the funds would have been available immediately. As you are aware, due to a processing error the deposit did not post to your checking account. On August 29, 2016, you made several attempts to contact the banking center manager regarding this deposit. Unfortunately, the manager was unexpectedly out of the office on Monday, August 29, 2016. However, the banking center employees correctly submitted a research request to locate your deposit. In addition, the banking center employees contacted their Regional Risk Manager who provided provisional credit to your account while the research request was processed. On August 30, 2016, two (2) credits of $856.00 posted to your checking account. On August 31, 2016, one (1) of the $856.00 credit transactions was reversed. This reversal properly balanced your checking account. The transactions will be on your next statement; however, I have enclosed a copy of the recent activity in your checking account as verification of the fee reversal and the credit activity. Your account was assessed a $37.00 overdraft fee due to this processing error. On August 31, 2016, the banking center manager reversed this fee. The Bank did not report this activity to the debit bureau agencies. 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 Enclosure: August Checking Account Activity

[redacted] [redacted] [redacted] Date: January 10, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received copies of the complaints you filed with the Revdex.com and the Consumer...

Financial Protection Bureau. Please be assured that Fifth Third Bank takes your feedback seriously and I appreciate this opportunity to respond to your concerns. Each year, we review your escrow account to make sure the escrow portion of your monthly mortgage payment covers your property taxes and insurance. Federal Law allows for the collection of a reserve amount to maintain a cushion for unexpected tax and/or insurance increases. Its required balance cannot fall below the sum of two (2) months of projected Escrow Account payments at any point during the year. The lowest projected balance in the escrow account is compared to the lowest required balance. If the projected balance is greater than the required balance, a surplus can be returned to the customer. Otherwise, there is a shortage and the annual escrow analysis statement gives the customer options on how to pay the shortage. At Fifth Third Bank, we are committed to doing what is right for our customers and although we strive for excellence, mistakes sometimes happen. An internal processing error caused a refund check to be issued to you from your escrow account, when no refund was due. In the process of transferring the force placed homeowner’s insurance policy from one vendor to another, a credit of $1,486.00 for the [redacted] homeowners insurance premium posted to the escrow account on October 7, 2016. When the regularly scheduled escrow analysis was done on November 23, 2016, the system saw the $1,486.00 as a credit to the escrow account instead of an internal bookkeeping entry and completed the 2017 escrow projection with the amount included. This resulted in a surplus of $691.27. The Bank identified the error and the check issued on November 23, 2016, was cancelled, and the funds were returned to the escrow account on November 30, 2016. I sincerely apologize for your frustration and concern regarding the conflicting information you received about this item. I have enclosed copies of the analysis dated November 23, 2016, and the corrected escrow analysis statement dated November 30, 2016, which replaced it. You will notice the Beginning Balance for the 2017 Projections on page two (2) of both documents shows the correction. On the November 23rd document, the beginning balance in the escrow account is listed as $2,808.72. On the corrected November 30th document, the Beginning Balance in the escrow account is $1,322.72. On the November 30th analysis, the lowest projected balance in the escrow account was less than the lowest required balance, so there was a shortage of $794.73. The calculations are on page three (3) of this analysis. The shortage was spread over twelve (12) months. Your monthly payment amount decreased from $1,612.29 to $1,506.18 effective with the payment due January 1, 2017. That payment has already been drafted via our Auto BillPayer service. I have also enclosed the payment history you requested. On behalf of the Bank, please accept my sincere apologies for the inconvenience and frustration this matter caused you. You are a valued customer and we look forward to continuing our 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, Alison S.Office of the President Pc: Revdex.com; Consumer Financial Protection Bureau Enclosures

[redacted] [redacted] [redacted] Date: January 7, 2015 Application: [redacted] Regarding Your Recent Mortgage Loan Application Dear [redacted]: We received a copy of the letter you sent to the Revdex.com regarding your mortgage loan application. 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 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. While we regret the negative experience you have had with Fifth Third Bank’s Mortgage Department, we do not have any additional information regarding this matter. I have enclosed a copy of the previous letter that I sent on December 15, 2015. Please be aware that the Revdex.com closes an active case once the response to your concerns is sent. 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 Enclosure: Previous Response Letter dated December 15, 2015

.I spoke to representative on the phone questioning a portion of the statements . I asked them to look at the 700.or so   dollar total for fee's on the account for a  previous cycle. I also explained that at one time I was told I had been charged if I remember correctly close to 2000.00 dollars in other various fee's for a year or two total. PRIOR to thr dates they have submitted on their rebuttle statement. Explaining this to the agent, she said she would take a detailed look at it. Never heard anything until this most recent reply from Revdex.com. What I would liKE. To see is a amount charged for innsuficcient fee's for 2 years prior to all thay have corresponded. Or just a total of these charges over my last 2. To 2.5 years. That should be easy.

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]

[redacted] Date: June 30, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding overdraft fees charged to your...

checking account. 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 hardship. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. To assist you with monitoring your account, our toll-free Telephone Banking system is available twenty-four (24) hours a day at ###-###-####. Our Customer Service Professionals can be contacted at the same telephone number and are available Monday through Friday from 7:00 AM to 8:00 PM Eastern Standard Time (EST), and on Saturday from 8:30 AM to 5:00 PM EST. You can also access your account information at an ATM (Automated Teller Machine), on our Internet Banking website at www.53.com, and on your mobile device through our Mobile Banking service through 53.mobi. Additionally, a free account alert can be sent to up to four (4) e-mail addresses and one (1) mobile device when your account balance falls below an amount that you specify. These alerts can be setup through our Internet Banking at www.53.com. If your available balance is not sufficient to cover items that post to your checking 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 3, 11, and 12 provide additional information regarding overdraft fees. Your checking account became overdrawn on June 13, 2016, when the beginning balance in your checking account was $507.21. Twenty-three (23) debit transactions totaling $552.79 posted to the account that day, creating an ending available balance of negative ($45.58). Since you did not have enough funds in your account to cover two (2) of the transactions that posted, your checking account was charged two (2) overdraft fees of $37.00 each on the following day. On June 14, 2016, the beginning balance in your checking account was negative ($45.58). Nine additional debit transactions totaling $223.36 posted to the account that day, creating an ending available balance of negative ($268.94). Since you did not have enough funds to cover the nine (9) transactions that posted, your checking account was charged nine (9) overdraft fees of $37.00 each on the following day. Your checking account remained overdrawn on June 15, 2016, with a beginning balance of negative ($268.94). Five (5) additional debit transactions totaling $319.50 posted to the account that day, creating an ending available balance of negative ($588.44). Since you did not have enough funds in your account to cover four (4) of the transactions that posted, your checking account was charged four (4) more overdraft fees of $37.00 each on the following day. It is important to ensure that your account has enough funds to cover all of the transactions you have authorized. As a valued customer, we reversed $74.00 in overdraft fees on June 17, 2016. However, we sympathize with the difficulties you encountered with your account. Therefore, as a courtesy to you, we reversed additional fees totaling $100.00 on your checking account on June 22, 2016. You may want to consider adding Overdraft Protection to your checking account. We offer several types of overdraft protection. We can connect a second account such as another checking account or savings account, or you can apply for a credit card or equity line, which can be connected to your checking account in order for funds to be automatically transferred in case of an overdraft situation. With Overdraft Protection, you are charged one (1) Overdraft Protection transfer fee of $12.00 instead of an overdraft fee of $25.00 per item for the first overdraft occurrence, or $37.00 per item for each additional occurrence. If you would like more information about Overdraft Protection, you can visit your local Financial Center or contact our Consumer Contact Center at ###-###-#### to setup Overdraft Protection for your checking account. We appreciate your patience while waiting for a response. You are a valued customer and we hope you will allow Fifth Third Bank to service your financial needs for many years to come. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., EST. Sincerely, Lisa S.Office of the President Pc: Revdex.com Enclosure: Rules & Regulations handbook

[redacted] Date: May 24, 2016 Account: [redacted] Regarding Your Fifth Third Bank Platinum [redacted] Dear [redacted]: We received a copy of the follow up complaint you filed with the Better Business...

Bureau, regarding your credit card account. We appreciate the opportunity to respond to this matter. The Bank received your original complaint on March 22, 2016. We received a duplicate complaint you filed with the [redacted] on March 30, 2016. We received your latest correspondence on May 18, 2016. However, we stand by the responses conveyed to you in the previous letters sent on April 1, 2016, and April 4, 2016. Our position on this matter has not changed. If a payment does not post by the due date, it is subject to collection activity. The Bank’s guidelines for contacting customers allow for telephone calls seven (7) days a week from 8:00 a.m. until 9:00 p.m., including holidays. Several calls may be placed each day in an effort to remind customers that a payment is due and to obtain payment arrangements to prevent late fees or derogatory credit bureau reporting. Please accept my sincere apology for any inconvenience or concern this situation may have caused you. Per your request, we have removed your telephone number from our systems. You will no longer receive telephone calls regarding the delinquent status of your credit card account. Please note that this does not stop other collection activity related to the delinquency, including late charges, finance charges, or reporting to the credit bureaus. Because you did not make the minimum payment due for your credit card statements dated December 6, 2015, and January 6, 2016, the Bank revoked your access to make transactions with your credit card on February 5, 2016. When a card is revoked, the customer will receive statements, and are responsible for making payments toward the balance. However, the Bank does remove your ability to make payments through our website, 53.com. If you would like to make payment arrangements for your credit card, please contact our collection department at ###-###-####. A collection agent is available to assist you, Monday through Friday, 8 a.m. to 9 p.m.; Saturday and Sunday 8 a.m. to 5 p.m., ET. Please note, the collection department will be able to schedule three (3) future payments; however, they are not able to schedule a long-term recurring payment. Thank you for your patience while waiting for a response. We sincerely hope this information will help you understand our position going forward. 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: Prior Responses

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.   There was no reason to the bank to continually resubmit payment to generate more fees, these were not charges, they were payments form my account hta ti initiated, they could have simply called me and asked if I wanted to postpone the payments, but they kept resubmitting to generate as many fees as possible. Their process is flawed and set up to get as much out of their customers in fees as they possibly can. 
Regards,
[redacted]

[redacted] Date: December 13, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your installment loan account. We appreciate the opportunity to further address your concerns. On behalf of the Bank, I apologize for the frustration this situation has caused you. However, we stand by our previous correspondence dated November 21, 2016, and December 5, 2016, regarding the insurance payments to your loan and the payment history reported to the credit reporting agencies. Our position on this matter has not changed. For your reference, I have enclosed copies of our previous correspondence. We have no additional information to provide and consider this issue closed. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Enclosure: Previous Correspondence (2)

Per your request, the account number is [redacted]. I couldn't find a way on your system to send you an update to my complaint, so hope this...

will reach you.  I wanted to advise that we received the check on July 31st. Therefore, that portion of the complaint has been resolved.  I still have a problem with the customer service received from the company, but there is nothing to be done about that other than have the complaint reflected on your website.Thank you for your help in resolving this matter.

[redacted] Date: November 2, 2016 Account: [redacted] Regarding ATM Deposit Dispute Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your ATM (Automated...

Teller Machine) deposit dispute. 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. 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. After completing our research, we posted a credit of $130.00 to your checking account ending in [redacted] for the missing ATM deposit on October 31, 2016. This credit is final and will not be reversed. I truly hope this 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 Draper Office of the President Pc: Revdex.com