PROCORPSA

They need to email me or contact me on [redacted] to how we prevent these service charges

[redacted] Date: February 15, 2017 Account: [redacted] Regarding Your Transaction Dispute Dear [redacted]: We received copies of the complaints you submitted to the [redacted]...

[redacted] and Revdex.com regarding your transaction dispute. We also received the letter you sent to Chad B., Executive Vice President. Your feedback is very important to us as it allows us to better understand how we can improve our service to you. On behalf of the Bank, please accept my sincere apologies the difficulties you have experienced as a result of the fraudulent transactions on your checking account ending in [redacted]. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties in 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. When you filed the transaction dispute on January 26, 2017, the items in dispute were still pending and had not yet posted to your account. Unfortunately, since the merchants authorized the transactions we are unable to stop the items from posting to your account. Sometimes, however, the item will not post if a merchant knows the transaction to be fraudulent. Since we are unable to determine whether a transaction will actually post to your account, we are unable to post any provisional credits until the disputed items until the items posted to your account. Once the items post to your account, we will post provisional credits for the disputed items. This procedure was not intended to cause you any hardship, and I am sorry for any distress this caused. On January 31, 2017, we posted five (5) provisional credits totaling $3,361.51 to your account. These funds are available to you while we conduct our investigation. We strive to resolve all investigations as quickly as possible. Please allow up to forty-five (45) days for the investigation to be completed. You will receive final written documentation upon completion of our research. If would like to follow up with our Disputes Resolution Department directly, you can reach them at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. Please be sure to reference case number [redacted] when speaking with an agent. Thank you for your patience while waiting for a response. It is a well-known fact that no business can survive without its customers, and I want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: [redacted] Revdex.com Chad B., Executive Vice President

[redacted] Date: January 13, 2017 Account: [redacted] Regarding Your Platinum [redacted] Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

Platinum [redacted] 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. Enclosed for your reference is a copy of the terms and conditions applicable to your credit card account. Page one (1) section one (1), and page four (4) section twenty-one (21), advise that the Bank may close the account at any time without prior notice. Your credit card was issued in November 2013 and you have not utilized the card for any transactions. Because the card the card was not used for the three (3) years leading up to its expiration date, the Bank did not reissue a new card to you. I am very sorry for the distress that this situation has caused, and I certainly understand your frustration with the account not being reissued. Please note that we may still be able to reissue a replacement card to you within twelve (12) months of the card’s expiration. I also apologize that the account is not reflecting as closed on your credit report. I confirmed there is a known issue at the Bank that credit cards we do not reissue due to inactivity are not updating as closed on customers’ credit reports. The Bank is currently working on a way to fix this issue so the card will automatically update as closed in this situation. I can process the closure and the account will then update to the credit reporting agencies as closed. Without your confirmation, I did not close the credit card in the event that you would prefer I request to keep the card open and have it reissued. I attempted to contact you on January 10, 2017, and on January 13, 2017. I am sorry that I was unable to reach you. Please contact me by February 1, 2017, to advise if you would us to reissue a replacement credit card for your account and keep it open, or if you would like me to move forward with the closure request. If I do not hear from you by February 1, 2017, I will close the account the following business day on February 2, 2017. Once closed, the account will update as closed on your credit report. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Fifth Third Bank Card Agreement

[redacted] Date: August 16, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your checking...

account. We appreciate the time you have taken to express your additional thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. I attempted to contact you via telephone on August 11, 2017, regarding this matter. I am sorry that I was unable to reach you. After reviewing your account, I determined an overdraft occurred on August 9, 2017. A copy of the Overdraft Notice is enclosed for your reference. As explained in our previous response, you are opted in to Overdraft Coverage, which allows one (1) time debit card transactions to be approved even if there are insufficient funds to cover the transaction. As a result, the one (1) time debit card transactions are subject to overdraft fees if they cause a negative balance when they post to the account. Please note that recurring debit card transactions can be approved when there are insufficient funds even if a customer is opted out of Overdraft Coverage. Additionally, Overdraft Coverage does not apply to checks, Automated Clearing House (ACH) transactions, or bill payments. The beginning balance in your checking account on August 8, 2017, was $56.25. Three (3) debit card transactions totaling $113.02 posted to your account that day, resulting in an ending balance of negative ($56.77) on August 8, 2017. Debit card transactions are processed in order of the date and time the transactions were initiated. The debit card transactions were processed in the following order: ** $79.96 to [redacted] on August 3, 2017, at 5:46 a.m. ** $32.00 to [redacted] on August 8, 2017 at 1:44 p.m. ** $1.06 to [redacted] on August 8, 2017, at 9:40 p.m. Due to the order in which the debit card transactions were initiated, three (3) overdraft fees of $37.00 were applicable. The overdraft fees totaling $111.00 posted to the checking account on the next business day. There was no Bank error that caused the overdraft or overdraft fees on the checking account. You may wish to consider opting out of Overdraft Coverage. If you opt out, then one (1) time debit card transactions will be declined if there are insufficient funds at the time of the transaction. This could help prevent overdrafts and overdraft fees on the account in the future. You can change your Overdraft Coverage preferences online at 53.com, in a banking center, or over the phone through an automated phone system at ###-###-####. Overdraft Coverage preferences can be changed online or over the phone twenty-four (24) hours a day, seven (7) days a week. Transactions are subject to the Overdraft Coverage selection in place at the time the transaction is initiated. You may also wish to consider using a transaction register to help keep track of the items that are going in and out of your account. Many customers find this beneficial because it helps to avoid overdrawing the account. Transaction registers are free at any Fifth Third Bank location. There are also several Mobile Apps available in the [redacted] and [redacted] that can help you track the items in your checking account if that would be more convenient to you. Enclosed for your reference and review is a copy of our previous correspondence, which outlines our overnight processing. I apologize for the dissatisfaction you have felt regarding our overnight processing. We certainly value your business, and hope you will reconsider ending your relationship with Fifth Third Bank. It is my hope that the options and information provided in this correspondence will assist you with tracking the account balance to prevent overdraft situations. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Previous Response, Overdraft Notice

[redacted] [redacted] [redacted] Date: February 16, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your...

checking account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. I appreciate the time you have taken to speak with me regarding this matter. As we discussed, the website information in question is related to the transfer you completed online at 53.com. Online transfers between your Fifth Third Bank checking and savings accounts have a cutoff time of 9 p.m., ET, on business days. Transfers completed on the weekend or Federal Holidays are counted for the next business day. This cut-off time is listed in the enclosed Rules and Regulations for the account. It is also displayed on the website at the time you are completing the transfer. On February 7, 2017, at 10:23 p.m., you transferred $919.08 from your savings account ending in [redacted] to your checking account ending in [redacted]. Because the transfer was completed after the cut off time, the funds were not available for use even though you could see the transfer completed. Because the funds were not available, the money could not be used to cover transactions that posted to your account on February 7, 2017. The funds became available for use on February 8, 2017. Your checking account was overdrawn on February 7, 2017, with an ending balance of negative ($919.08). However, because you had overdraft protection, you were not charged any overdraft fees. One (1) overdraft protection transfer fee of $12.00 was assessed the next business day. Enclosed is a copy of the overdraft notice we issued. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Overdraft Notice, Rules and Regulations

[redacted] Date: April 21, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your Revdex.com complaint, regarding the Stand Up to Cancer promotion...

for your checking account ending in [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. Your comments expressing less than quality service are very concerning and we regret the difficulties you experienced. Please be assured we have researched this matter fully, and passed on your concerns to the [redacted] Banking Center. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. The [redacted] Banking Center confirmed that you were provided the disclosures for the Stand Up to Cancer promotion, and that Kimberly W. called you on September 4, 2015, September 18, 2015, October 2, 2015, and on November 4, 2015, to remind you of the cash bonus requirements. Since the online bill payments were not completed in a timely manner, your account did not qualify for the Stand Up to Cancer cash bonus. It is our understanding that Ms. W. informed you that your account did not qualify for the Stand Up to Cancer cash bonus. However, she agreed to research any possible exceptions in order for you to receive the cash bonus. On April 4, 2016, you were informed by the Financial Center Manager that there was no exception for the Stand Up to Cancer cash bonus and your account would not be credited. We have confirmed that the [redacted] Banking Center followed proper procedures and guidelines concerning your checking account. Therefore, we are not willing to credit your account $150.00 for the Stand Up to Cancer cash bonus. We hope this correspondence will help you understand Fifth Third Bank’s position going forward. 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, Elizabeth J.Office of the President Pc: Revdex.com

[redacted] Date: September 15, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com concerning your mortgage loan. We appreciate the opportunity to further respond to this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the response conveyed to you in our previous letter sent to the above address on August 30, 2017. Our position on this matter has not changed. For additional clarification, you provided the Bank with the breakdown of the mortgage payment for the loan with PNC Bank, which included a monthly escrow payment in the amount of $251.90. As you are aware, your current monthly payment for the mortgage loan account ending in [redacted] includes an escrow payment in the amount of $248.03. As the account holder, you were in the best position to notice any difference in the escrow portion of the monthly payment at loan origination, as this information would not have changed with a refinance of the principal balance. It should also be noted that our review of your Closing Disclosure indicated that you refinanced two (2) PNC accounts into the current mortgage loan. While we sympathize with the difficulties this matter has caused you, it does not appear the Bank can assist you further. Additional correspondence from you about this matter will be reviewed but not necessarily acknowledged unless new information is provided which can be acted upon. After multiple communications with you on this topic, we consider this issue closed. Thank you for your patience while waiting for a response. 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

[redacted] [redacted] [redacted] Date: December 2, 2015 Account: [redacted] Regarding Your Checks Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding the checks for 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. Our records show that a check order was placed for your Essential Checking account ending in [redacted] through Internet Banking at 53.com on November 4, 2015. However, since you have stated that you do not want, nor do you intend to use the checks, we waived the $23.99 check fee on November 25, 2015. The checks were shipped to the address above on November 5, 2015, and typically take seven (7) to ten (10) business days to arrive. Once you have received the checks, for your security please visit any Fifth Third Bank banking center to have the checks destroyed. If you have not received the checks by the time you receive this letter, please contact me at the number below and I will be happy to further assist you. Thank you for your patience while waiting for a response. You are a valued customer, 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, Elizabeth D. 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.  Regards,
[redacted] Problem: this bank still shows that I have a neg balance as I made a deposit on Dec 2 of 265.00 hey are showing I owe -265.00 this is not true this is wrong #[redacted]Desired Outcome: correct the problem show zero and take off Fraud off of my chexk system

[redacted] We have responded to [redacted] twice on this matter. We have fully researched his concerns and already provided him with all the information related to his issue. His additional rebuttal did not provide any additional information. Therefore, we stand by our previous response and consider this issue closed. Thank you, Lisa S.  Fifth Third Bank Consumer Resolution Specialist| Office of the President[redacted]P: ###-###-####

[redacted],We have decided not to respond to the customer because we have already addressed her concerns. Also, the customer does not have a new complaint and is not asking anything more from us at this time.Thanks,Adam P.Consumer Resolution SpecialistFifth Third Bank | Office of the President5050 Kingsley Dr.MD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### | Fax: ###-###-####Email: [redacted]

We have already responded to this customer twice regarding this same issue.This additional rebuttal does not provide any additional information, so we stand by our previous two responses to this customer.Thank you,Lisa S.| Fifth Third Bank Consumer Resolution Specialist| Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263P: ###-###-#### F: ###-###-#### email: [redacted]

[redacted] Date: March 29, 2016 Account:         [redacted]Regarding Your Express Banking AccountDear [redacted]:We received a copy of the letter you sent to the Revdex.com regarding your Express...

Banking 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 our customers’ satisfaction.According to my research into this matter, when you met with one of our employees at the Franklin and Eastern Banking Center to open an account, at that time you qualified for either our Basic 53 Checking account or our Express Banking account. Since you expressed to the banker that you wanted an account with no monthly service charges, you chose to open an Express Banking account. We regret if the account has not met your expectations.Please also accept my sincere apologies for the level of service you previously received regarding this matter. We strive to provide professional and accurate service to all of our customers and we regret if this has not been your experience.According to our records, on January 29, 2016, a debit card purchase appearing on your statement as [redacted]BILL PAYMENT in the amount of $220.00, posted to your account. Because you filed a dispute with the Bank regarding this charge, the account was provided with a provisional credit of $220.00 on February 1, 2016. Additionally, the merchant returned this charge to your account on February 1, 2016. When the dispute process was finalized on March 17, 2016, the provisional credit of $220.00 was revoked at that time because the merchant had also refunded the account $220.00 on February 1, 2016. On March 17, 2016, the beginning balance in your checking account was $0.84. When the provisional credit was revoked by the Bank on March 17, 2016, the account became overdrawn. The ending balance in the account on March 17, 2016, was negative ($219.16). Since the Express Banking account is not assessed fees for an account overdraft, no overdraft fees were assessed to the account. I have enclosed a copy of the Overdraft Notice dated March 18, 2016, for you review.Please be aware that as of March 25, 2016, your account has a negative balance of ($218.16). Please deposit funds into the account as soon as you can to bring the account back to a positive balance.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 Enclosure (1): Overdraft Notice

[redacted] [redacted] [redacted] Date: December 16, 2016 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We appreciate the...

time you have taken to document your thoughts and concerns. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. This loan was reaffirmed after bankruptcy. There was a delay in sending out the overpayment from the payoff amount received September 19, 2016, because we needed to verify if the funds should be sent to the bankruptcy trustee or to you. A check for $238.73 was sent to you at the above address on December 12, 2016. The loan is closed and at a zero (0) balance. This information is provided in response to your request and is not an attempt to collect a debt. You were 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

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]

[redacted] Date: August 17, 2016 Account: [redacted] Regarding Your Fifth Third Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your...

mortgage loan payments. 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On March 2, 2016, the Bank sent you a letter titled Important Information Regarding Your HAMP Modified Loan; Action Required. I have enclosed a copy of the letter for your review. This letter informed you of your eligibility for a $5,000.00 incentive payment, which would be applied directly to your loan’s principal balance. In addition, you were provided the opportunity to re-amortize the mortgage loan. On July 15, 2016, you chose to have your loan re-amortized. On June 10, 2016, the Bank sent your monthly mortgage statement to the address above. This statement indicated your monthly payment of $1,097.90 was due by July 1, 2016. I have enclosed a copy of the June 10, 2016, statement for your review. Because you had not accepted the Bank’s offer to re-amortize your mortgage loan prior to July 1, 2016, you were required to make the regular payment of $1,097.90 within the fifteen (15) day grace period. On July 15, 2016, you chose to have your loan re-amortized. Effective July 1, 2016, your monthly principal and interest payment was lowered to $832.30. It should be noted that this payment does not include your monthly escrow payment. I have enclosed a copy of your modification agreement signed on June 23, 2010. Please note section four (4) item C, which states that you also agree to the following: “To comply, except to the extent that they are modified by this Agreement, with all covenants, agreements, and requirements of Loan Documents including my agreement to make all payments of taxes, insurance premiums, assessments, Escrow items, impounds, and all other payments, the amount of which may change periodically over the term of my Loan.” Our review of your mortgage loan payment history determined your payment of $832.41 on July 1, 2016, did not satisfy your full monthly mortgage payment due July 1, 2016. For this reason, the Bank received and posted this payment to an unapplied state. The full mortgage payment due July 1, 2016, was $1,097.90. This payment included your $878.83 principal and interest payment and your $219.07 escrow payment. On August 4, 2016, the Bank received and posted the remaining payment of $219.07. This payment added to the $832.41 payment made on July 1, 2016 satisfied the payment due July 1, 2016; however, this payment was more than thirty (30) days delinquent. This payment was correctly reported to the credit reporting agencies as thirty (30) days late. Please note that the Bank did properly inform you of the correct mortgage loan payment due July 1, 2016. In the interest of customer service however, the Bank has contacted the credit reporting agencies to remove the late mark for July 2016. Please allow the credit reporting agencies thirty (30) days to update the reporting. You will receive a letter from our operations department under separate cover informing you of this update. If you apply for credit within the next thirty (30) days, please use this letter as proof that Fifth Third is correcting the negative reporting. We have confirmed your next mortgage payment of $1,051.48 is due on September 1, 2016. Thank you for your patience while we researched this matter for you. We do regret any inconvenience or frustration this issue may have caused you. Please be assured, 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 directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S[redacted] Office of the President PC: Revdex.com Enclosures: HAMP letter, Modification Agreement, June 10, 2016, mortgage statement

[redacted] Date: November 21, 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. I confirmed that your vehicle securing the loan opened on June 21, 2016, is a total loss. Please note that you are required to continue to make monthly payments for the loan until the outstanding balance owed is reduced to zero ($0). A copy of your loan contract is enclosed. We received a $10,322.11 payment from your insurance on October 31, 2016. We then received an additional $1,820.47 payment from [redacted] Gap Insurance on November 2, 2016. Insurance payments to cover vehicle loss are first applied to the outstanding principal balance owed on the loan before any of the insurance funds can be applied to interest. Insurance payments to cover the loss are not monthly loan payments as required by your contract, and they therefore do not advance the monthly payment due on the loan. Page two (2) of the contract, section a, states that you agree to pay back to the Bank everything owed even if the vehicle is damaged, destroyed, or missing. Section d states that if the vehicle is lost or damaged, we may use the insurance funds to reduce what is owed on the vehicle. By processing your insurance funds as principal balance reductions, we are reducing the outstanding balance owed. The $239.33 monthly payment for your loan is due by the fifth (5th) of each month. The last monthly payment we received for the loan was $240.00 on September 2, 2016, which covered the payment due by September 5, 2016. At the time we received the first (1st) insurance payment in October 2016, the loan was past due for the October 5, 2016, payment. The account was still past due for the October 2016 payment when we received the second (2nd) insurance payment in November 2016. The next payment we received after September 2, 2016, was $471.32 on November 9, 2016. The funds covered the past due payment owed for October 5, 2016, as well as the payment owed for November 5, 2016. Because the October 2016 payment was received more than thirty (30) days after the due date, the payment will be reported as delinquent to the credit reporting agencies during the next monthly reporting update. Please be advised that the $6.00 late fee we assessed on October 15, 2016, was waived on November 9, 2016. As of November 15, 2016, the outstanding principal balance owed on the loan is $1,966.45. The outstanding interest owed is $1.84, and there are no late payment fees owed. I confirmed that we are still waiting for the warranty refund and the anti-theft contract refund from the [redacted] dealership where the vehicle was purchased. We sent the request for the refunds to the dealership on November 2, 2016. Please be advised that it can take the dealership four (4) to twelve (12) weeks to provide the refunds. You will need to continue making the loan payments until the loan is paid in full. You may wish to contact the dealership directly to verify if they have processed our refund request. If your loan has an overpayment after the dealership refunds are received, we will send the over payment to your address on file within ten (10) business days. If there are still outstanding funds owed at that time, you will need to call your gap insurance company to advise there are funds still owed to pay the loan in full. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Contract

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and while I am NOT AT ALL satisfied with this particular response, I accept that Fifth Third Bank does hold all the power in this matter and will not change its position.  It is a sad reflection about this bank in that it would bend over backwards for an account holder with a much higher net worth to retain their business, but I have come to expect this from the business community in general.  I just hope that, should the day ever come where the respondent is in a similar situation or worse, they are treated with much more compassion that I was. 
Regards,
[redacted]

[redacted] Date: June 27, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com. We appreciate the opportunity to further respond to this matter. Per your request, we completed a review of the Essential Checking account ending in [redacted]. Our review of the account included the following activity: * On May 13, 2016, your beginning account balance was $2.44. The monthly maintenance fee in the amount of $8.00 posted to the account. Although there were insufficient funds to cover this transaction, there was no overdraft fee assessed to the account as a result of this transaction. After this transaction, the remaining negative account balance was ($5.56). * On May 25, 2016, your beginning account balance was $572.78. A check in the amount of $1,700.00 was deposited into the account; however, as outlined on the overdraft notice sent to you, $1,600.00 of the deposit was unavailable to you, per the funds availability policy outlined on pages seventeen (17) and eighteen (18) of the enclosed Rules and Regulations that were provided to you at account opening. There were six (6) debit card transactions, totaling $720.36 that posted to the account, leaving a negative account balance of ($47.58). Because you are opted out of Overdraft Coverage, the debit card transactions were not assessed an overdraft fee. ? On June 1, 2016, your beginning account balance was $827.26. There were ten (10) debit transactions that posted to the account, totaling $1,240.62, and leaving a negative account balance of ($413.36). Because you are opted out of Overdraft Coverage, the debit card, merchant payment and Automated Teller Machine (ATM) transactions were not assessed overdraft fees. However, there were insufficient funds to cover the online transfer to the account ending in 6669 and this transaction was assessed an overdraft fee of $37.00 the following business day. * On June 2, 2016, your beginning negative account balance was ($413.36). A deposit in the amount of $28.96 was credited to the account. In addition to the previously mentioned $37.00 overdraft fee, there were also two (2) debit card transactions, totaling $41.22 that posted to the account. Once these transactions posted, there was a negative account balance of ($425.62). Because you are opted out of Overdraft Coverage, the debit card transactions were not assessed an overdraft fee. I have enclosed copies of the overdraft notices that were provided to you for your records and review. Our review of the account determined there was no Bank error in the overdraft of the account and the fee that was assessed. Although there was no Bank error, in the interest of customer service, on June 3, 2016, the $37.00 fee was reversed and credited to the account. As we mentioned in our previous response,  your monthly service fee is not for the Bank to manage your money. The monthly service fee is charged for providing you an account to conduct your personal, family or household transactions. You also mentioned that you are using your personal Essential Checking account for business transactions. As outlined on page eighteen (18), section thirty-seven (37) of the Rules and Regulations, a personal or consumer deposit account should not be utilized for business transactions. If you would like to learn more about the business accounts that are available, please visit your local banking center or contact our New Accounts Department at ###-###-####, option two (2), Monday through Friday, 8:30 a.m. to 5 p.m., ET. Furthermore, you requested additional clarification on the pending transactions or card authorizations. When the debit card is used at a merchant, the merchant will communicate their intent to take funds for the purchase from your account. When this occurs, authorization is issued, and the merchant’s communicated amount will appear as a pending item on your account. That authorization, or pending item, places a hold on the available balance until the charge posts to the account. If the charge does not post to the account, the funds will remain held by the authorization for up to a maximum of five (5) business days before the hold is released. We appreciate your patience while we researched this matter. 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, April Q.Office of the President Pc: Revdex.com Enclosures: Overdraft Notices

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]