PROCORPSA

[redacted] [redacted] [redacted] Date: October 20, 2017 Account: [redacted] Account: [redacted] Regarding Your Essential Checking Accounts Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau 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 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 customer satisfaction. As you are already aware, on August 14, 2017, you received a $7,500.00 credit from the Bank for the [redacted] Pay transactions that you disputed on your Essential Checking account ending in 1098. On October 4, 2017, our Disputes Resolution Department sent a letter explaining that your case was approved and that the credit issued on August 14, 2017, is final. A copy of the letter sent on October 4, 2017, is enclosed for your review and convenience. Additionally, on September 19, 2017, you received a credit from the Bank for the [redacted] Pay transaction that you disputed on your Essential Checking account ending in [redacted]. On September 19, 2017, our Disputes Resolution Department sent a letter explaining that your case was approved and that the credit issued on September 19, 2017, is final. A copy of the letter sent on September 19, 2017, is enclosed for your review and convenience. Thank you for speaking with me regarding this matter on September 28, 2017. At that time, you expressed your concern regarding the security of [redacted] Pay. We are continually improving our services and processes, and have updated our [redacted] authentication requirements to prevent unknown individuals from accessing your Fifth Third Bank account even if they have gained access to your personal email information. [redacted] Pay cannot be utilized without first logging into our website with a specific User ID and Password. The [redacted] Pay transactions in question did not alert our Fraud Department as being potentially fraudulent transactions because the individual who accessed your account information on our website at 53.com, did so by using your Internet Banking User ID and password. The Bank had no way of knowing that the [redacted] Pay transactions were not initiated by you. Per your request, and as you are already aware, [redacted] Pay has been disabled from your online banking profile so that it cannot be used. Please also accept my sincere apologies of 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. [redacted], you are valued customer of the Bank and I appreciate this opportunity to respond to 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, Adam P.Office of the President PC: Revdex.com Enclosure: Letter Dated October 4, 2017 Letter Dated September 19, 2017

[redacted] [redacted] [redacted] Date: October 23, 2015 Account: [redacted] Regarding Equity FlexLine Account for [redacted] Dear [redacted]: We received a copy of your follow up complaint submitted to the Revdex.com, regarding your Power Of Attorney (POA) for [redacted] Equity FlexLine account. We appreciate the time you have taken to document additional your thoughts and concerns regarding this matter. Although you state that your mother does not remember revoking your POA, we were provided with a letter bearing [redacted] signature that revoked your POA effective March 17, 2015. Therefore, we are not able to share any details with you concerning your mother’s Equity FlexLine or recent address changes made on her behalf. If you are able to provide us with updated documentation showing you as POA, we would be more than happy to assist you at that time. In addition, at Fifth Third Bank we are committed to doing what is right for our customers and this commitment includes our fair and responsible lending practices. On September 28, 2015, Fifth Third Bank entered into an agreement with the government to settle two consumer protection matters. These matters impacted a limited number of customers, many of whom have already been reimbursed. Please be assured that Fifth Third Bank has put safeguards in place to avoid future issues. However, we are unable to provide you with any details regarding the settlement at this time. [redacted], we apologize for any inconvenience this situation may have caused 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, Danielle S. Office of the President

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

concerning your recent debit card dispute. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. I attempted to contact you on June 27, 2017, to discuss this matter. Unfortunately, I have not been able to contact you by telephone. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Our research determined you contacted the Dispute Resolution Department (DRD) and disputed a purchase with [redacted]. Upon contacting the DRD the investigator opened case [redacted] to research your claims. The Bank did provide credit to your account while investigating your concerns. Please find enclosed a copy of the letter mailed on February 27, 2017, informing you that the temporary or provisional credit of $912.78 was provided to allow you access to the funds while the dispute was under investigation. On April 25, 2017, the DRD notified you that your claim was denied. The credit provided to your checking account was reversed as a result of the investigation. As noted on the letter, the Bank did honor any items, including but not limited to, any checks, drafts, or similar instruments payable to third parties, as well as preauthorized and electronic funds transfers from your account (without charge as a result of an overdraft), up to the amount of your dispute, that post to your account for five (5) business days after the transmittal of this notice. For your review, please find enclosed copies of the documents provided by the merchant in regards to your dispute. The documentation indicates that the address on the invoice matches the address on your customer profile and the address this response is being mailed. The documents provided by the merchant indicated the transaction was authorized by [redacted]. If you have not authorized [redacted] to use your account, please contact the DRD to speak with the investigator assigned to your claim. Please reference case [redacted] when speaking with the DRD. The Bank had no prior knowledge that [redacted] had no authority to conduct the transaction in question on your behalf. In researching your concerns, we have contacted the DRD and reasserted the fraud dispute on your behalf. We may contact you during the investigation to help us resolve this issue. If you have information that will assist the DRD in researching your unauthorized purchase claim, please contact the DRD at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday, 8:30 a.m. to 5 p.m., ET. As mentioned above, if you have not authorized [redacted] to use your debit card, please contact the investigator at your earliest convenience. On June 20, 2017, the Bank closed and charged off your checking account ending in [redacted]. There was a negative ending balance of ($289.05). The account was sent for collection to [redacted]. If you would like to make a payment arrangement for the uncollected balance, you can call [redacted] at ###-###-####, Monday, 8 a.m. to 7 p.m.; Tuesday and Wednesday, 8 a.m. to 5 p.m.; Thursday, 8 a.m. to 7 p.m.; Friday, 8 a.m. to 5 p.m., ET. In addition, our research determined the Bank has reported the negative account activity to [redacted] is a national specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA) that retains checking or saving account information reported by financial institutions. [redacted] reporting may prevent you from opening deposit accounts. If you would like to contact [redacted], you may contact [redacted], on the internet at www.consumerdebit.com, via telephone at ###-###-####, or by mail at: [redacted] [redacted] [redacted] We appreciate your patience while we researched your request. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Merchant Documents Provisional Credit Letter Denial Letter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution wasn’t exactly what was expressed to me in the beginning of the matter but at least I have found some sort of answer.
Regards,
[redacted] [redacted]

[redacted] Date: August 11, 2015 Account:         [redacted] Regarding Your Essential checking Account Dear [redacted]: We received a copy of your complaint recently filed with the Better Business...

Bureau, concerning the dispute you filed for an ATM deposit at the [redacted] Banking Center. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate this opportunity to respond to your concerns. On May 8, 2015, we began a dispute investigation when you informed us that of the $500.00 you deposited into the ATM, we returned $100.00 to you and informed you that the remaining $400.00 was a security risk. We also provided provisional credit for the $400.00 while we investigated the disputed transaction. Unfortunately, the dispute was not found in your favor, because the ATM in question was in balance after your deposit. Therefore, on June 16, 2015, we removed the provisional credit of $400.00 that we had previously credited to your account. Although we denied your initial claim, we have given the matter careful consideration and have decided to credit your account for the disputed deposit. As a courtesy to you and as a gesture of our appreciation of your relationship with the Bank, we posted a $400.00 credit to your checking account ending in [redacted] on August 10, 2015. This credit is a permanent credit and our investigation is complete. I can assure you that it was not our intention to cause you any undue hardship and we sympathize with the difficulties you have encountered. On behalf of the Bank, please accept my sincere apology for any inconvenience this matter may have caused you. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer C.Office of the President

[redacted] Date: March 22, 2018 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your installment loan. We appreciate the time you have taken to document your thoughts and concerns. We have completed a review of your loan ending in [redacted]. I have confirmed that the overpayment check in the amount of $342.45 was presented for payment on March 20, 2018. I have enclosed a copy of the cleared check for your records. I have also enclosed a copy of the previous response sent to you on March 14, 2018, which explains that the payoff check was not sent to the designated payoff address provided on the payoff statement, causing a delay in processing the payoff. We certainly regret any frustration this may have caused you; however, we were unable to locate an error that occurred with the application of the payoff funds. 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, Jennifer M.Office of the President Pc: Revdex.com Enclosures: Check Copy, Previous Response

[redacted] Date: December 22, 2017 Regarding [redacted] Transactions at Fifth Third Bank Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your recent experience. 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 at 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 customer satisfaction. Although Fifth Third Bank offers [redacted] services in many of our banking centers, not every employee in our banking centers may have access to the [redacted] system at all times; therefore, there may be times when there is not an employee present who can assist with [redacted] transactions. Additionally, there may be occasionally system issues preventing [redacted] transactions from being initiated. As part of my research into your concerns, I contacted our [redacted] Banking Center. I confirmed that, when you called the [redacted] Banking Center on December 9, 2017, the employee with whom you spoke explained to you that they could assist you with a [redacted] transaction. When the employee told you that they could assist you with a [redacted] transaction, that employee was not aware that there was no employee present who had access to the [redacted] system. I also confirmed that steps are being taken to ensure that every employee of the [redacted] Banking Center has access to the [redacted] system, so that the issue you experienced does not happen again. As part of my research into this matter, I also contacted our [redacted] Banking Center. I confirmed that, when you called the [redacted] Banking Center on December 9, 2017, the employee with whom you spoke explained to you that they could not assist you with a [redacted] transaction. This is only because, while there were several employees with access to the [redacted] system, there was an issue with the Western [redacted] system, which prevented [redacted] transactions from being initiated on that day. The system access issues have since been resolved. We strive to provide accurate and professional service to our customer and we regret if that 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

[redacted]Date: July 29, 2015 Account: [redacted]Regarding Your Installment LoanDear [redacted]:We received a copy of your complaint filed with the Revdex.com regarding your installment loan account. We appreciate the time you...

have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter.It is my understanding that you have spoken directly to Jeremy H., Recovery Collections Manager, regarding the title for your vehicle. We determined that your vehicle’s original title, of which the Bank only possessed one (1) original copy, was sent to you on July 22, 2009. The title was sent to the address that was on file at that time of [redacted]. Because we already sent you the one (1) original title that we held, we do not have another title to send to you. At this time, the only option available to the Bank is to send a release of lien letter to you, which you can then take to the state to request a duplicate title. I confirmed that you called the Bank on July 6, 2015, and requested we send your title. You provided us with an updated address of [redacted] and the request was submitted. However, because we previously mailed the title, we could only send you a lien release letter. Our records indicate that a lien release was sent to you on July 8, 2015. However, it is my understanding that you did not receive it.We determined that the original title was mailed to you and that no Bank error occurred at that time in 2009. However, we understand that you requested a title multiple times and that various Bank personnel advised they would have one (1) sent to you when in fact, we no longer possessed the title to send. I am very sorry for the distress and inconvenience this situation has caused you. We strive to provide accurate and professional service, and I regret that was not your experience. In the interest of customer service, Mr. H. emailed a copy of the certified lien release to you. He also sent a lien release to you via overnight mail. He included a $95.00 check to cover the cost of obtaining a duplicate title from the state. We confirmed per the United Parcel Service (UPS) tracking number that the lien release and check were delivered on July 24, 2015, at 9:47 a.m. If this was not the case, please contact me directly using the phone number listed below. Please contact me directly if you did not receive the letter and check.Please be assured that your concerns regarding the customer service you received and the information that was provided to you have been forwarded to the relevant Bank personnel. I am sorry for your negative experience with the Bank. We appreciate your feedback as it assists us in identifying problems and to 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.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 PresidentPc: 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.  
Regards,
[redacted]

We will not be sending another response to this customer since we consider this matter closed and we do not have any additional information for the customer regarding her complaint. All issues have been previously addressed.Thanks,Adam P.Consumer Resolution SpecialistFifth Third Bank | Office of the President5050 Kingsley Dr.MD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### | Fax: ###-###-####Email: [redacted]

[redacted] Date: September 30, 2015 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your complaint filed with the Revdex.com regarding your mortgage loan account. We...

appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. We researched your account and determined that you are not required to maintain Federal Housing Administration (FHA) insurance for the life of your loan. I am very sorry for any incorrect information you may have received. We strive to provide accurate and professional service, and I regret that was not your experience. Please be assured that this situation has been forwarded to the relevant Bank personnel. Please note that you must meet two (2) requirements in order to have FHA insurance removed from your loan. The outstanding principal balance must be seventy-eight percent (78%) of the original purchase price or appraised value, whichever is lower. Additionally, you must have paid FHA insurance premiums for at least five (5) years. While you have paid FHA insurance for five (5) years, your loan to value (LTV) ratio as of September 23, 2015, based on the $158,900.00 purchase price is ninety point zero seven percent (90.07%). For this reason, we are unable to remove FHA insurance from your account at this time. I am sorry for any distress this may cause you. Through the normal amortization of your loan, the FHA insurance will be removed automatically in August 2020. If your LTV reaches seventy-eight percent (78%) before then, you can request to remove FHA insurance at that time. Enclosed for your reference is a copy of the signed disclosure that explains when you can remove the FHA insurance. 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: FHA Disclosure

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11936748, and find that this resolution is satisfactory to me. 
Regards,
[redacted]

[redacted] 
[redacted] 
[redacted] Date: October 5, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding the service you received...

when attempting to file a dispute on your checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Our top priority is to provide our customers with outstanding service. At Fifth Third Bank, we are continuously evaluating the service we provide to our customers. Your comments expressing less than quality service are very concerning. Please be assured that we take your feedback very seriously and the relevant parties have been contacted to express your dissatisfaction with the service you received. Our Customer Service Professionals strive to provide professional and accurate service to each and every customer they assist throughout the day. I am sorry if your recent experience did not meet the same high standard and we do not expect this will be your experience in the future. We have confirmed that a dispute was filed on September 29, 2015, for the debit card purchase of $163.33 from [redacted]. We immediately began our investigation and on September 29, 2015, your checking account was given provisional credit of $163.33 while we continue to research the dispute. If the dispute is found to be in your favor, the provisional credit will remain in your checking account. However, if the dispute is denied, the $163.33 credit will be removed from your account. You will receive notification from our Disputes Department as soon as their investigation is finalized. Please be assured that it was not our intention to cause you any frustration and we regret to hear that you may want to close out your accounts. You are a valued customer and we sincerely hope you will reconsider this decision. Please know that we value your opinion and we hope that you will continue using Fifth Third Bank for your financial needs in the future. If I may be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####. Sincerely, Lisa 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.  
If you now look at their letter, they are definitely giving us false information. The account in question was not opened on 11/07/2016, I have been disputing this account since 11/07/2016. Please see attached documents for proof. After my personal investigation, this account was opened around 11/01/2006 and charged off around 01/01/2012. This is what I am seeing on my credit report.
Regards,
[redacted]

[redacted] Date: September 30, 2016 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with 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. On December 27, 2014, you applied for and agreed to a $27,483.00 vehicle installment loan with an interest rate of 6.140%. The monthly payment for your loan is $458.46, which is due by the tenth (10th) of each month. Your loan has a ten (10) day grace period. This means that you can make the monthly payment within ten (10) calendar days of the due date before a late fee is assessed. Enclosed for your reference is a copy of your signed contract for the loan. As of September 23, 2016, your installment loan is past due for the June 2016, July 2016, August 2016, and September 2016 payments. You mentioned that we refused to accept partial payments on the account. Please be advised that partial payments can be applied to your installment loan, but cannot cover a monthly payment due unless the full amount needed to cover the payment is processed. As a result, the delinquency is not reduced. Please be advised that our Collection Department may call customers from 8:00 a.m. to 9:00 p.m. in their time zone on every day of the week, including holidays. Our Collection Department has been calling you using the phone numbers on file regarding the most recent delinquencies since May 14, 2016. Prior to that, we spoke to you on February 11, 2016, at which time you mentioned a deferment on the loan. We advised that in order to qualify for a deferment you would need to make at least one (1) payment. However, you were unable to make the payment at that time. We do not have record of any additional requests for hardship assistance regarding your loan. I reviewed the call history for your account and verified that no collection calls were placed outside of the allowable timeframe. We spoke to you on June 23, 2016, regarding the delinquency. At that time, your account was past due for the May 2016 and June 2016 due dates. You made a $500.00 payment that day to cover the payment due for May 2016. You also advised you would make an additional payment the following week. However, the last payment we received for the account was the June 23, 2016, payment. We continued to call you about the account, but were unable to speak to you again. Your account was approved for repossession on August 12, 2016. At that time, your account was sixty-two (62) days delinquent. We were able to speak to you again on August 26, 2016, at which time we explained the account had been approved for repossession. We also asked for the location of the vehicle, which you declined to provide. As of September 23, 2016, the repossession company has been unable to locate the vehicle and is actively searching for it. When an account is referred for repossession, any charges billed to the Bank for the repossession are added to the loan as a fee owed to the Bank. At this time, your vehicle has not been located so it has not been obtained by the repossession company. Therefore, a repossession fee has not yet been applied to the account. As of September 20, 2016, the past due balance owed on the account is $1,792.30. This amount does not include the next payment that is due on October 10, 2016. Please be advised that our Collection Department is willing to accept a payment equal to 75% of the delinquent amount to cancel the repossession order, which totals $1,344.22. This payment will bring your loan current, allow us to cancel the repossession, and the loan will not be in danger of being re-assigned for repossession right away. This will allow us time to process an application for hardship assistance if you would like to do so. The $1,344.22 payment must be paid via check by phone or using [redacted]. Please contact our Collection Department at ###-###-#### to set up the payment or to obtain our [redacted] information. You will still be responsible to repay the remaining 25% owed, but making the $1,344.22 payment will allow us to cancel the repossession. If you would like the collection calls to stop, you may submit a cease and desist letter. Your correspondence can be mailed to our address listed above, or faxed to my attention at ###-###-####. Please note that while we will not call you, collection activity on the account will continue. This activity might include late charges, derogatory credit bureau reporting, repossession, and charging off the account. You mentioned that you tried to refinance the loan but were unable to because our interest rate was high and the amount owed was $6,000.00 more than the vehicle is worth. Fifth Third Bank did not set the price for the vehicle. We received the application you submitted from the [redacted] dealership on December 27, 2014. Additionally, you purchased a new car and it is typical for new cars to depreciate as soon as the vehicle is purchased. The interest rate applicable to your loan was disclosed to you, which you accepted per the signed contract that lists the interest rate. The outstanding amount owed is based on the loan you requested and the contract terms you agreed to. The loan amount is not adjusted if the vehicle’s value has depreciated to an amount below what is owed on the loan. 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: Note, Payment History

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

[redacted] Date: December 8, 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. The Bank is continually working to ensure the availability of funds for withdrawal while staying within established Federal guidelines. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank, from loss or possible fraud. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately; the remaining funds will be made available on the next business day. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday, or a Federal holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal holidays. I have enclosed a copy of our current Rules and Regulations. Refer to pages eighteen (18) and nineteen (19) for additional information regarding funds availability. 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. We process transactions at the end of each business day and do not process transactions on Saturday, Sunday or Federal Holidays because they are not considered business days. Transactions that post to your checking account are processed in the following order: 1. Credits and deposits made prior to the end of day cutoff time (according to our Funds Availability Policy) 2. ATM transactions and debit card transactions in the order they took place 3. All other debits including checks, electronic bill payments, in the order of highest amount to lowest amount 4. Fees and service charges in the order of highest amount to lowest amount Please note that this posting order may change due to circumstances beyond the Bank’s control, such as changes or disruptions in network processing or processing delays by a third party. Pages 11 through 14 of the included Rules and Regulations handbook contain more details about the Bank’s overdraft policies. On November 23, 2015, the beginning balance for your checking account was $149.53. An Automated Clearing House (ACH) deposit for $200.00 posted and was made immediately available in your account. Eighteen (18) items totaling $426.84 posted to your account. Therefore, your ending account balance was negative ($77.31) due to the last ten (10) items that overdrew your account. Due to insufficient funds, ten (10) overdraft fees totaling $370.00 were assessed to your account and posted the following day. On November 24, 2015, the beginning balance for your checking account was negative ($77.31). One transaction posted to your account for $172.50, in addition to your overdraft fees assessed from the previous day. Therefore, your ending account balance was negative ($619.81). However, it should be noted that no overdraft fees were assessed to your account for the $172.50 transaction. On November 25, 2015, the beginning balance for your checking account was negative ($619.81). We received your check deposit for $2,406.86 and $100.00 was made immediately available. As a result, the remaining funds totaling $2,306.86 were not available until the following day. Four (4) items totaling $72.72 posted to your account. Therefore, your ending available account balance was negative ($592.53). Due to insufficient funds, four (4) overdraft fees totaling $148.00 were assessed to your account and posted the following day. Copies of the overdraft notices sent for the days referenced above are enclosed for your review. 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 $148.00 have been reversed and credited back to your checking account within the last two (2) months. Therefore, we are not willing to reverse any additional overdraft fees at this time. 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. To maintain the security of your account, I am sending this letter to the address we currently have on record for you. I noticed that the return address noted in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your correspondence. I encourage you to either call the Customer Service Department, or myself, to make sure that your accounts are properly updated. The Customer Service Department can be reached at (800) 972-3030. Representatives are available Monday through Friday, 7 a.m. to 8 p.m. and Saturday 8:30 a.m. to 5:00 p.m. Eastern Standard Time (EST). [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. 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, Danielle S. Office of the President Enclosure: Rules and Regulations booklet, Overdraft Solutions flyer, Overdraft Notices Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   . The money was not returned back into my account.  I can have my bank fax you a transcript of my account proving it was not returned. 
Regards,
[redacted]

After I had attempted to be in contact with the Fifth Third Disputes dept. and getting not just no assistance and told by one person that "services were rendered" to me by the merchant. As I was stunned to hear this as I said I never indicated this at all in fact the opposite. As I was told to leve...

a voicemail for Lemont the mgr. I did at 9am yesterday. I called back at 1pm yesterday and was fold he was still in a meeting. I called back at 5:30 and told he was gone but the rep sent him an email message. I kept asking if I could speak to another mgr. and am always put on hold for a ling time and when they come back am told no I need to speak to Lemont.No return call, I call again today a few times and at 2:00 when I called he came to tbe phone.The conversation waz terrible. He offered nothing in fact now it is even worse. All reps have said tbere has been NO response from the merchant in my dispute after this 90 period. He said there has been and as I could tell he was lying because when I asked to get a copy of it as I in the vague denial letter it says I can obtain documents in my investigation he said "you should contact the merchant for that". I said "why would I contact the merchant for what she would have sent to fifth third?" After I kept asking he said maybe he could fax it as I asked but he wasnt sure. Maybe by wednesday. He said that he didnt see the letter that I had sent detailing everything at all and asked when was it dated. I said 6/6/2016. I tried to explain the fact that services were not rendered by the merchant and he just said "im sorry you feel that way". I mentioned a few times the different things im being just told and the trouble communicating with someone there and in a weird voice he just said im sorry. He sounded very cocky and sing songy. When I asked if he got my voice mail yesterday morning he said "i dont know, I don't think I heard it". This is so crazy! When I asked also what the date was of the merchant response he says thers is that all others have said there hasnt been one first he says "i dont know" then he says "its dated today". He said "i dont know when you were told there was no response and I said "yesterday" and also june, july and august 6. I asked about how one appeals if they disagree and he said "can you use another word other than appeal" he then said it can not be as it is not eligible for reinstatement. Then he said that I can only send information to his email address and he gave it to me. I asked for another manager to look at it and he said no it has to be him. Again, this is really crazy! How can I send him further details when he "will not do anything". I don't even know and can't find out why. 90 days have gone by and as I have been told other than by him that no response has been received by the merchant. Ive been told by reps that it was a phone consult one person said and it was Not a Phone Consult. Ive been told that I did business with the merchant on their website and this is not the case either. I mentioned that tbe merchant has a personal website that says she offers free consults even if that is what they think. But the 350 dollars was for a specific service that the attorney said she would go the next day after I spoke to her to get the information I was seeking. She did not get any information for me and didnt even go to the place of business. After having me text her the front and back of my bank credit card she then replied to my text tbe next day asking what information she obtained to not be concerned. I woyld luke to know what service was provided as the dispute dept is saying but just like absolutely EVERYTHING, I can't find out ANYTHING at all about my dispute. Please help! Thank you.[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.  .
The original response by this business was to send me all the statements that they had never sent in the past.  This is not acceptable to provide me with 3 years of statements outlining draft charges when they were not sending them all along.Their entire argument is based upon the fact that draft charges are valid if the savings account is not accompanied by a checking account.  I had a checking account and they closed it.  I was not provided notice of this account being closed.My offer on resolution to this company was to allow them to keep slightly more than 2/3 of the draft charges and to refund me the original $50 I used to open the account which would have been valued at thirty-two (32) cents on the dollar.The office of the president has deemed that it will be worth the trouble for them to stand by their decision of refunding me seven (7) cents on the dollar on charges that don't equate any actual hard cost to the business.It's funny that they keep responding how valuable I am as a customer, when I am no longer a customer, and they steal money from me.  I guess it does make me valuable when they take 93% of my money.I warned that failure to meet my minimum resolution request will result in further complaints, bad publicity, and possible litigation.  Apparently it is worth it to them to fight it over $39 when they could have refunded that amount and still come out ahead by $106.
Regards,
[redacted]