PROCORPSA

[redacted]Date: February 28, 2017 Account: [redacted] ACCOUunt: [redacted] ACCOUunt: [redacted]Regarding Your Fifth Third Bank Credit Card AccountsDear [redacted]:We received a copy of the complaint you filed with the Revdex.com regarding...

your credit card accounts. We appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you.On May 2, 2006, the Bank received and approved your application for a Fifth Third Bank Platinum [redacted]. Upon approving the application, the Bank issued a [redacted] account ending in [redacted]. For your records and Convenience, please find enclosed copies of the statements dated September 12, 2014, through your most recent statement dated February 12, 2017. The last payment made toward this account was received on November 2, 2016. This credit card account was connected to your checking account ending in [redacted] as Ready Reserve (overdraft protection).On May 14, 2014, the Bank received and approved your application for a Real Life Rewards [redacted]. Upon approving the application, the Bank issued a [redacted] account ending in [redacted]. For your records and Convenience, please find enclosed statements dated June 5, 2014, through your most recent statement dated February 5, 2017. This account was also connected to your checking account as Ready Reserve (overdraft protection).For your Convenience please find enclosed copies of your checking account statements and overdraft notices. Please use the enclosed documents as verification of the overdraft history of your checking account, and that both Credit card accounts were utilized as Ready Reserve for your checking account ending in [redacted].Please review the enclosed statements and contact the Dispute Resolution Department if you wish to dispute any transactions. You can contact the disputes resolution department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday 8:30 a.m. to 5 p.m., ET. Thank you for your patience while we researched this matter for 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.E.T.Sincerely,Patrick S.Office of the PresidentPC: Revdex.comEnclosures: Credit Card Statements for both a CCountsChecking Statements Overdraft Notices

[redacted] [redacted] [redacted] Date: October 25, 2016 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 are sorry to hear about the challenges that your husband is currently experiencing with his health, and we appreciate the time you have taken to express your concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience 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. Per the Early Access Terms and Conditions, if the checking account associated with Early Access is overdrawn for more than fifteen (15) consecutive days, Early Access will be closed. These policies apply to everyone, and the Early Access feature cannot be reinstated once closed. A copy of the Early Access Terms and Conditions is enclosed. According to our records, your checking account associated with Early Access was overdrawn from September 15, 2017, through October 3, 2017; therefore, Early Access was closed on October 5, 2017. We regret any frustration or inconvenience this might cause you. It is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. However, pursuant to your previous fee waiver requests, we have reversed $74.00 in overdraft fees over the past twelve (12) months, as a courtesy to you. In most circumstances, additional courtesy overdraft fee reversals would not be warranted; however, since we empathize with your situation, we have reversed an additional $74.00 in overdraft fees on October 23, 2017. Except in the case of a Bank error, any additional overdraft fee reversal requests over the next twelve (12) months will be declined. As of October 23, 2017, your Essential Checking account is overdrawn by $251.24. As of October 23, 2017, the account was overdrawn for a total of nine (9) days. If a checking account remains overdrawn for more than fifty five (55) days, the account will be closed by the Bank. Please make a deposit into the account as soon as you can. For more information regarding the most recent account overdraft, copies of the overdraft notices that were sent are enclosed. I also want to be sure that you are aware that Fifth Third offers alert services that provide you with information about your Fifth Third Bank Accounts, which can assist you with preventing future overdraft occurrences. You may sign up for a variety of alerts, including a text or email alert to notify you when your balance falls below a threshold that is comfortable for you. This real-time alert will notify you any time your debit card and Automated Teller Machine (ATM) transactions result in a balance lower than your designated alert threshold. Because checks and electronic payments are processed overnight, we cannot currently offer a real-time alert when your account becomes overdrawn. However, you can set up alerts to let you know when the balance reaches a specific amount you determine to allow you time to deposit additional funds before the account becomes overdrawn. For example, you could set up an alert to notify you when the balance reaches $20.00. You could then review the account activity to determine if all of your authorized transactions have posted, and if not, determine how much additional funds you will need to deposit to cover any outstanding items. You can also schedule an alert that notifies you when an overdraft notice is available to be viewed on our website. While this alert will not prevent an overdraft, it will allow you to correct the negative balance sooner, which can help prevent any additional overdraft charges from being assessed. For a list of the account alerts offered by the Bank, please visit the alerts section within online banking or our mobile app. [redacted], please also accept my sincere apologies for any difficulties you may have experienced 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. 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 Enclosures (4): Overdraft Notices (3) Early Access Terms and Conditions

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]

[redacted]Date: November 13, 2015 Regarding Your Money OrderDear [redacted]: We received a copy of the complaint you filed with the Revdex.com on November 6, 2015 concerning your $295.00 Money Order.  We appreciate the time you have...

taken to document your thoughts and concerns regarding this matter.We strive to provide professional and accurate service to our customers and I regret that the service you received did not meet that same high standard.  Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers and consumers.  Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns.We have been able to identify the $295.00 Money Order that you deposited into a Fifth Third Automated Teller Machine (ATM) on July 27, 2015.  I have enclosed the money order with this letter.We empathize with the frustration you have experienced with this situation.  On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused you.   If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, Carolyn G.Office of the President Pc: Revdex.comEnclosure:

[redacted] Date: February 20, 2018 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the Consumer Financial Protection Bureau (CFPB) and the...

Revdex.com (Revdex.com) regarding your installment loan account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Thank you for taking the time to speak with me on February 12, 2018, and February 15, 2018, regarding your account. The force-placed insurance policy was cancelled and credited back to the Bank by our Insurance Center on January 29, 2018. However, it takes an additional five (5) to seven (7) business days for the credit to reflect on the loan account in our systems. Unfortunately, the credit to your account took additional time to process. As we discussed, the full amount of $2,975.00 for the force-placed insurance that was added to the loan on January 10, 2018, was refunded back to your loan on February 12, 2018. The credit was backdated to January 10, 2018. Your loan payment now reflects the regular monthly payment amount of $490.99. Per our conversation on February 15, 2018, the loan is current and the next $490.99 payment is due on February 20, 2018. Additionally, I waived the $24.55 late fee that was assessed on January 27, 2018. Please be assured that the account has not been reported late to the credit reporting agencies as a result of the force-placed insurance. I reviewed the account and confirmed that we sent a letter to the insurance agency and advised that we received a cancellation notice for your insurance policy. The letter we sent to the agency asked them to confirm if the policy was cancelled. Per the documentation we received back, the insurance company marked the form to confirm the policy was cancelled. This is why we sent letters to you requesting proof of insurance. When we received the proof of insurance, our records indicate that it did not list Fifth Third Bank as the loss draft payee. Per a phone call between our Insurance Center and your insurance company on January 26, 2018, your insurance company had the incorrect address listed for us as the loss draft payee. We provided the correct address, which your insurance agency updated. They also confirmed that the policy had not actually had a lapse of coverage. For this reason, the force-placed insurance policy was cancelled. I reviewed your phone call with the Customer Service Department and our Insurance Center that occurred on February 9, 2018. Please be assured that I have contacted the relevant Bank personnel regarding this phone call. We strive to provide best in class customer service, and I regret that was not your experience. I am very sorry for the dissatisfaction and frustration you experienced regarding this issue. 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: Consumer Financial Protection Bureau, Revdex.com Enclosures: Cancellation Notice

[redacted] Date: February 4, 2016 Account: [redacted] Regarding Your Fifth Third Bank Stand Up 2 Cancer MasterCard Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning...

your credit card account. We appreciate the time you have taken to further express your concerns regarding this matter. We received your original Revdex.com complaint on August 5, 2015, and a follow up correspondence on August 26, 2015. However, we stand by our responses dated August 13, 2015 and September 9, 2015. I have enclosed copies of our previous correspondences for your records and convenience. Our position on this matter has not changed. As stated in our September 9, 2015, response. The Bank submitted a request to all three (3) credit reporting agencies to update the revoked status of your credit card, and to remove the late pay marks associated with your April, May and June 2015 credit card payments. Please note, we have verified with the credit reporting agencies, no negative reporting is on your credit report for the last twelve (12) months. For your review and convenience, a copy of the most recent version of the credit card agreement currently in effect for your account is enclosed. Please note page six (6) item thirty (30) titled Changes to this Agreement. Which states: Subject to Applicable Law, we can change this Agreement at any time, regardless of whether you have access to your Account, by adding, deleting or modifying any provision (including increasing any rate of finance charge, increasing or adding fees or charges (including annual fees), changing the method of computing balances subject to finance charge, changing your Account credit limit, changing the date upon which finance charges begin to accrue, changing the Minimum Amount Due or limiting the number or amount of Transactions on your Account). Any such changes will generally be effective immediately unless we are required by Applicable Law to provide you with advance written notice of the proposed changes. If this is the case, those changes will be effective immediately following the effective date stated in the notice. Subject to Applicable Law, any such changes will apply to your outstanding Account balance on the effective date of the change and to any future balances created after that date. If we give you the right to reject a change (whether because it is required by Applicable Law or otherwise), and you do not notify us by the date stated in a notice, or if you notify us but then use your Account after the date stated in the notice, you will be deemed to accept all changes in the notice and to accept and confirm all terms of your Agreement and all changes in prior notices we have sent you regardless of whether you have access to your Account. If you reject a change that we make, we will close your Account. No change to any term of this Agreement will affect your obligation to pay all amounts you owe under this Agreement. As mentioned in our response dated September 9, 2015, the Bank uses an automated system to evaluate a customer’s account. The automated system uses information provided to the Bank by [redacted] in relation to a customer’s credit score. If the customer’s credit score falls within the decrease criteria, the credit limit will be decreased when your balance drops low enough to allow a decrease to take place. Therefore, due to the information receive by the credit reporting agency, your credit limit was decreased upon receipt of your monthly payment. On your statement dated January 27, 2016, your credit limit was automatically reduced to $2,300.00. Based on pending authorizations, the limit decrease did result in your credit card being over the limit. However, on January 27, 2015, you contacted our customer service department about this issue. Although the credit line decrease was executed according to our credit line decrease guidelines, due to the pending authorizations, the Bank increased your credit line to $2,500. Please note, you were not assessed any fees as a result of being over the credit limit. The Bank does send a notice to our customers when there is a credit limit decrease. This notice provides information about the decision to lower your credit limit. I have enclosed a copy of the letter mailed to you on January 25, 2016, to alert you to the lowered credit limit. Please note, the reasons for the decreased limits are: ? Utilization on this Fifth Third Credit Card ? Derogatory Public Record or Collection Filed ? Ratio of Balances To Credit Limits on Revolving Accounts Is Too High ? Current deposit balances. Furthermore, the notice does inform you that the Bank will continue to monitor your account performance for future limit increases and decreases. 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 ###-###-####, 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: Previous responses, Credit Card Terms and Conditions, Limit decrease letter

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]

[redacted]Date: August 19, 2016Account: [redacted]Regarding Your Fifth Third Bank Mortgage LoanDear [redacted]:We received a copy of the two (2) complaints you filed with the [redacted] and the complaint you filed with the...

Revdex.com regarding your mortgage loan payments. We appreciate the time you have taken to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced.Your comments expressing less than quality service from our employees is extremely concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused. We strive to provide professional and accurate information to all of our customers, and we regret if all the service you received did not meet your expectations.Each year, we review your escrow account to make sure the escrow portion of your monthly mortgage payment covers your property taxes and/or insurance. On April 25, 2016, the Bank performed the annual analysis and sent you a letter titled, Important Information about your Mortgage Escrow Account. Based on your complaints, you did not timely receive this notice. We have enclosed a copy of this letter for your convenience. Please note the letter was mailed to the same address as this response.Your 2016 escrow analysis informed you that your escrow account had a $705.22 shortage. Page three (3) of the analysis explains the reason for the shortage. The Bank provided you with two (2) options on how to pay the shortage. The first option was to spread the shortage over the next twelve (12) monthly payments. Your mortgage payment would increase on June 1, 2016 to $2,390.78, with $58.76 of this payment used to settle the escrow shortage. Option two (2) was to pay the escrow shortage in full before May 15, 2016. Your mortgage payment would increase to $2,332.02, with $1,814.81 being applied to principal and interest, and your new escrow payment of $517.21. The increase in your escrow payment is an attempt by the Bank to avoid a shortage in 2017.As you are aware, the Bank received and posted your payment of $2,295.82 on June 6, 2016. Because this payment did not satisfy your full monthly mortgage payment, the funds were placed in an unapplied status. The Bank received and posted your payment of $2,295.82 on July 6, 2016. This payment was also placed in an unapplied status. On July 15, 2016, the Bank received and posted your payment of $201.92. This payment was applied to your prior two (2) payments and satisfied your monthly payments for June 1, 2016, and July 1, 2016. On July 19, 2016, you made an escrow payment of $705.22. This payment satisfied your escrow shortage. The Bank received and posted your August 8, 2016, payment of $2,332.02. This payment satisfied your mortgage payment due on August 1, 2016. Our research indicates your next mortgage payment of $2,332.02 is due on September 1, 2016.Our research determined you contacted our customer service department regarding your late payment mark reporting to the credit reporting agencies for your June 1, 2016, payment. This payment was not satisfied until July 6, 2016, and was correctly reported to the credit reporting agencies as thirty (30) days past due. Please note that in addition to the letter dated April 25, 2016 informing you of the escrow changes, a Mortgage Loan Statement dated May 6, 2016, which statement reflected the increase in the monthly mortgage payment, was also mailed to the same address as this response. This statement was sent and should have been received well prior to your vacation departure. We have enclosed a copy of this statement for your convenience.You have requested our customer service department remove the late mark because you had not received the escrow notice, and you were out of the country and unaware of the payment shortage. In the interest of customer service a request to remove the late payment from your credit reporting has been submitted. You will receive a letter under separate cover from our operations department confirming this adjustment. Please allow thirty (30) days for the credit reporting agencies to update the information. If you apply for credit within the next thirty (30) days, please use this letter as proof that Fifth Third is removing the 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. 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 PresidentPC: [redacted], Revdex.comEnclosure: Escrow Analysis Statement, Mortgage Loan Statement

[redacted]...

[redacted] Date: September 22, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint that was submitted to the Revdex.com (Revdex.com) regarding your checking account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On October 3, 2012, you opened a Regular Business checking account with the Bank ending in [redacted]. Fifth Third Bank offers both business accounts as well as consumer accounts so that we can better service all of our customers’ needs. However, business accounts and consumer accounts are governed by different federal guidelines, and they each have their own set of applicable fees. For this reason, we provide all customers with a copy of the rules and regulations for consumer and business accounts. Enclosed for your review is a copy of the Fifth Third Bank Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards. Pages five (5), six (6), and seven (7) provide details regarding fees applicable to business checking accounts. Specifically, page six (6) explains that there is a $37.00 fee for each transaction returned or involved in an overdraft situation on your account. It also explains that there is an $8.00 daily overdraft fee charged when the account remains overdrawn for five (5) consecutive business days. This fee posts to the account for every calendar day the account has been overdrawn, and the Bank will continue to assess the fee until the account returns to a positive balance or until the twentieth (20th) day from the date of the initial overdraft. Please note that per federal regulations, consumer checking accounts have the option to enroll in or opt out of overdraft coverage for one-time debit card transactions. If a customer with a consumer checking account opts out of overdraft coverage and attempts to use the associated debit card for a one-time purchase, the transaction will be declined if there are insufficient funds to cover the transaction. Because the transaction was declined, there is no associated overdraft fee. If a customer with a consumer checking account enrolls in overdraft coverage and attempts to use the associated debit card for a one-time purchase, the Bank can approve the transaction if there are insufficient funds. Please note, however, that the transaction is then subject to any applicable overdraft fees. Overdraft coverage choices as explained above are applicable to consumer accounts only. Fifth Third Bank’s business checking accounts are not eligible to opt out of overdraft coverage for one-time debit card transactions, checks, or ACH transactions. The decision to approve any debit card transactions, checks, and ACH transactions is at the Bank’s discretion. When you opened your consumer checking account ending in 9813 on May 5, 2015, you opted out of overdraft coverage. Please be advised that the decision and form you signed were applicable to the consumer checking account only. Enclosed is a copy of the form you signed for overdraft coverage. Please note that the account listed on the form is the consumer checking account ending in 9813. Your business checking account is not listed because your business checking account does not allow that option. The beginning balance in your business checking account on August 4, 2015, was $497.98. Nine (9) transactions totaling $648.33 posted to your account that day, resulting in an ending balance of negative ($150.35). Three (3) overdraft fees of $37.00 each, totaling $111.00, posted to the account the next day. Transactions continued to post to the account, causing the negative balance to increase. On August 10, 2015, your account had been negative for five (5) consecutive business days. Therefore, on August 11, 2015, we began assessing the applicable daily overdraft fee. The fee is assessed for every calendar day the account has been overdrawn. October 11, 2015, was the eighth (8th) calendar day that the account was overdrawn. For this reason, the daily overdraft fee charged that day was eight (8) fees of $8.00 each, totaling $64.00. We continued to charge the applicable daily fees, overdraft fees, and returned items fees as additional transactions posted to the account. The account reached a zero balance on August 19, 2015. For this reason, the last daily overdraft fee processed on August 18, 2015. Most recently, the account became overdrawn again on September 17, 2015, which resulted in an ending balance for that day of negative ($2.47). As of September 17, 2015, the balance in your account is negative ($2.47). If the account does not reach at least a zero balance by September 23, 2015, the $8.00 daily fee will start being assessed again. Enclosed for your review are all of the checking account statements and overdraft notices that were generated for your account from July 1, 2015, through September 17, 2015. You have elected to receive your account statements online only, so they were not mailed to you. However, your overdraft notices were mailed to you. You advised Financial Center Manager Julie I. that you have alerts set up for your account that you did not receive. Please note that customers are responsible for their accounts and any associated fees even if established account alerts are not received. However, I confirmed that you do not have any account alerts set up in online banking for your accounts. The only alerts you have established are email notifications to advise you when a new tax document, overdraft notice, or account statement is available. Additionally, I verified that you have accessed your account via online banking or mobile banking on fourteen (14) different days since August 1, 2015. After reviewing your account, we determined that the overdraft fees, returned item fees, and daily overdraft fees are were charged in accordance with the terms and conditions for the account. You are a valued customer and in the interest of customer service, the Bank waived $74.00 in fees from your account on August 18, 2015. We are unwilling to waive additional fees at this time. I am very sorry for any distress this may cause you; however, there was no Bank error involved with the overdraft situations on your account. Our records do not indicate that a Bank employee advised you that you could decline overdraft coverage for your business checking account. Additionally, the overdraft coverage form you signed specifically states it was for the consumer checking account ending in [redacted]. It is my understanding that Ms. Iskra offered to help you establish account alerts at the banking center; however, you declined this offer. She also offered to go over various solutions that may help you prevent overdraft situations in the future, such as overdraft protection accounts. You declined this offer as well. [redacted], we understand that overdraft situations and fees can be a frustrating experience, and we would like to assist you with finding options that can help prevent overdraft situations in the future. If you would like to sit down with Ms. Iskra to go over your options, please contact the Countryway Banking Center at ###-###-####. The banking center is open Monday through Thursday from 9 a.m. to 5 p.m., ET, Friday from 9 a.m. to 6 p.m., ET, and Saturday from 9 a.m. to 12 p.m., ET. Alternatively, you can contact me directly using the phone number listed below. I would be happy to assist you. 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 Enclosure: Rules and Regulations, Overdraft Coverage Form, Checking Account Statements, Overdraft Notices

[redacted] Date: August 18, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding the overdraft fees assessed to your checking account. We...

appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience these matters may have caused you. We strive to provide professional and accurate service to our customers and we regret if that has not been your experience. Details on how to edit or cancel payments is included within the information about the Bill Payment Service on 53.com. Online bill payments that are scheduled via 53.com and paid electronically, can be cancelled or modified up to two (2) days prior to the scheduled payment date by 4:00 p.m. ET. Online bill payment paid by check can be cancelled or modified up to four (4) days prior to the scheduled payment date by 4:00 p.m. ET. In addition, cash deposits made at Fifth Third Bank image Automated Teller Machine (ATM) by 9:00 p.m. ET on a business day are posted to your account on that day. All other types of deposits made at a Fifth Third Bank ATM before 7:00 p.m. ET on a business day are posted to your account on that day. Deposits made at a Fifth Third Bank ATM after these cut off times will post to your account on the following business day. After further research, we confirmed that the following ATM deposits were attempted on July 30, 2015: $2,100.00        11:00 p.m. ET$1,100.00        11:01 p.m. ET$900.00           11:02 p.m. ET You spoke with a Customer Service Representative concerning the failed ATM deposits at 11:05 p.m. ET. At that time, the representative determined that your closed checking account ending in 0602 was still connected as the primary account to your Enhanced Jeanie debit card ending in [redacted].Our Customer Service Representative corrected the issue and your cash deposit for $2,700.00 was accepted via the ATM at 11:13 p.m. that same night. However, the funds from your deposit were not available for overnight processing of transactions posted to your account on July 30, 2015. Despite the initial error you experienced at the ATM, your deposit attempt was not made prior to 9:00 p.m. ET cut off time for that business day.If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account is overdrawn. We do not assess overdraft fees on pending transactions. Per item overdraft fees will not be assessed if your account is overdrawn by less than $5.00. The amount of the per item overdraft fee is based on the number of times your account has become overdrawn in the last twelve (12) months. For the first overdraft occurrence, you will be charged $25.00 per item. For each additional occurrence, a $37.00 per item fee will be assessed.On July 30, 2015, the beginning balance for your checking account was $0.88. Six (6) online bill payments totaling $1,095.47 posted to your account. Therefore, your ending account balance was negative ($1,094.59). Due to insufficient funds, six (6) overdraft fees totaling $222.00 were assessed to your account and posted the following day.On July 31, 2015, the beginning balance for your checking account was negative ($1,094.59). Your ATM deposit in the amount of $2,700.00 posted to your account. Three (3) items totaling $299.10 posted to your account, including the overdraft fees from the previous day. Therefore, your ending account balance was $1,306.31.On August 4, 2015, the beginning balance for your checking account was $1,306.31. An online bill payment check in the amount of $1,525.00 posted to your account. Therefore, your ending account balance was negative ($218.69). Due to insufficient funds, an overdraft fee of $37.00 was assessed and posted to your account the following day.It is important to ensure that your checking account has sufficient funds to cover the transactions you have authorized. In the interest of customer service, overdraft fees totaling $150.00 were reversed and credited back to your checking account on August 10, 2015. Therefore, we are not willing to reverse any additional overdraft fees at this time.It should be noted that as of August 13, 2015, your checking account balance is negative ($105.69). If your account remains overdrawn for fifty-five (55) days, it may be charged off for further collection and reported to [redacted]. Therefore, it is imperative that you make a deposit to restore your checking account to a positive state.For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage options is also provided on the enclosed document. Please feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you.[redacted], please be assured that it was not our intention to cause you any hardship or frustration. You are valued customers and we look forward to serving your financial needs in the future. I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at [redacted] Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,Danielle S.Office of the PresidentEnclosure: Overdraft Solutions flyer Pc: Revdex.com

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 need to know someone works for you can submit a credit  card application for a client without their approval. Also to submit an application you have to enter the SSN, is that means my SSN available to your employee .]
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] I do not agree with what they or saying, because I ask the bank to cancel the transaction multiple times before the transaction have gone though. I have gone into the bank and ask them to stop anything that was coming in from that company because that company was try to go into my account all the time without my permission.   Also I have try to call the lady name Lisa who have send that letter to be in regarding to the letter she send me and I have not got any call back and I try calling he two times before today; I also call the company who Lisa said had my information and that company had gone out of business. [redacted]

The final response is below. The check will be sent in the mail.[redacted] Date: February 13, 2018 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: Thank you for the emails you sent to...

the Bank regarding your Essential Checking account. We also received the complaints you submitted to the Revdex.com and Ohio Department of Commerce, Division of Financial Institutions. We appreciate the time you have taken to document your additional thoughts and concerns in this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Upon further investigation, we have enclosed a check for the remaining balance of $2,950.00 that was in your Essential Checking account when it was closed on December 4, 2017. I hope this letter meets your satisfaction and resolves your needs. Thank you for your patience while we conducted our research. It was certainly not our intention to cause you any hardship. 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; Ohio Department of Commerce, Division of Financial Institutions Enclosure: Check

For my complaint, ID [redacted]I would like to remove it because I entered the last page in error in accident.  I also just resolved the issue with the company. Please remove the complaint and do not proceed further action as I do not wish to do so.Sincerely,[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.  Fthe problem now is that I called so many times and different persons confirmed that I am qualified for the offer. Now they just denies it. what a shame!
Regards,
[redacted]

[redacted] Date: March 24, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted].: We received a copy of your complaint submitted to the Revdex.com concerning the...

recent fee you received on your Essential Checking account. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. We have researched the issue surrounding the $11.00 monthly maintenance fee charged to your account, and found that this standard monthly fee was charged due to the account having not met the minimum balance or direct deposit requirements to waive it for the month. We deeply regret the inconvenience this caused, but were pleased to confirm that the activity associated with this matter was not reported to the credit reporting agencies. Additionally, this letter serves as confirmation of the fee which was refunded back to your account by the [redacted] Financial Center when the account was closed February 2, 2016. Regarding the attempted closure of your account in December, our research determined that the account was brought to a zero balance December 29, 2015, with the purchase of a cashier’s check. However, the account was not closed at this time. We apologize for any misunderstanding that may have occurred with this transaction. Additionally, your comments regarding your unhappiness with the verbiage contained in the Overdraft Notices received associated with this matter are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. I want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. [redacted], I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at [redacted] or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S. Office of the President

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

[redacted]. [redacted] Date:...

May 9, 2017 Regarding Your Mother’s Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. On behalf of the Bank, please accept my sincere condolences for your loss. We appreciate the time you have taken to document your thoughts and concerns. In observance of our privacy and security protocols, I cannot provide you with specific account details since you are not an owner of the account, or a listed Payable on Death beneficiary. Receiving notice that a checking account holder is deceased does not prevent fees from being charged to the account. The responsible party listed as the Executor of the decedent’s estate, or the Payable on Death beneficiary, is responsible for reviewing the account and can request that it be closed. I understand your frustration when this situation occurred and I am sorry for any 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

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 haven't received anything in the mail as yet but our mail is being forwarded to our PO Box at the present time as we are out of town for a family emergency. 
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]