PROCORPSA

[redacted]8 Date: June 19, 2017 Account: [redacted] Regarding Your Fifth Third Bank Loan 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 am sorry for your unsatisfactory experience during your previous attempts to resolve this matter. This loan was paid in full and closed at a zero (0) balance on March 1, 2017. As a follow-up to the telephone message I left for you, we determined there was an internal system error that prevented the timely processing of your lien-free title. We corrected the issue and sent the title to you at the above address on June 13, 2017. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. 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

[redacted] Date: July 29, 2016 Regarding Your Recent Mortgage Loan Applications Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com, regarding your recent mortgage...

loan applications. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We received your original complaint filed with the Consumer Financial Protection Bureau on July 12, 2016. In addition, we received your original complaint filed with the Revdex.com on July 15, 2016. We received your follow up complaint with the Revdex.com on July 26, 2016. However, we stand by the response conveyed to you in the previous letter sent on July 19, 2016. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. While it is our desire to extend credit to every individual that applies, it is not always possible for us to do so. When applying for a mortgage loan several factors are reviewed before approval may be given for the mortgage, including any information we receive from the credit reporting agencies, the documentation you have provided, and an appraisal of the property. Should the information we receive not meet our current guidelines for lending, your application may be declined. As mentioned in our response dated July 19, 2016, you met with Diann P., Mortgage Loan Originator, to apply for a mortgage loan. A credit report was ordered as part of the application process, and the information on the credit report indicated a large lien. You discussed the required documents for a Home Affordable Refinance Program (HARP) application, and you told Ms. P. that you would contact her when you had cleared up the negative credit reporting. In March 2016, you contacted Diann Preiss and submitted a new mortgage application on March 31, 2016. As part of your new mortgage loan application a new credit report was ordered and the information on the credit report indicated new disputes. After you contacted Ms. P. to inform her you had corrected the new disputes, a credit report was ordered to confirm the negative reporting had been removed. Unfortunately, new disputes appeared on this credit report. Our research determined you contacted Diann P. a third time to discuss a third application. You had mentioned that you had fixed the credit bureau disputes. In your discussion with Diann Preiss, you stated you would call the companies to ensure the disputes were no longer on your credit report. It was decided that you would contact Diann P. when you had confirmed the disputes were removed from your credit reporting and you were ready to submit a third application. I was unable to find a new application in our mortgage application system. If you would like to apply for a mortgage loan refinance, please contact Diann Preiss or another Fifth Third banking center to submit a new application. Additionally, our Retail Direct Sales Team can assist you with a telephone application. You can contact the Retail Direct Sales Team at ###-###-####, option 6, Monday through Friday, 8 a.m. to 8 p.m.; Saturday, 8 a.m. to 5 **m., ET. An agent will be able to assist with your mortgage loan application. It was certainly not our intention to cause you any hardship or frustration. 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 **m., ET. Sincerely Patrick S.Office of the President PC: Revdex.com Enclosures: Prior Response

[redacted] Date: November 21, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your...

checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. On behalf of the Bank, please accept my 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 dated October 28, 2016. I have enclosed a copy of this letter for your convenience. Our position on this matter has not changed. In response to your additional concerns about the deposit made into your new checking account ending in [redacted], our records show that your debit card ending in [redacted] was disconnected from your checking account ending in [redacted] and connected to your new account ending in [redacted] on September 19, 2016. The last deposit you made into your account ending in [redacted] was an ATM (Automated Teller Machine) deposit of $200.00 on October 12, 2016. On that day, your checking account ending in [redacted] had a negative beginning balance of ($1,418.60). Even if you had deposited the $200.00 into your account ending in [redacted], that deposit would not have been sufficient to bring the account to a positive balance. As of November 10, 2016, your checking account ending in [redacted] has a negative available balance of ($1,739.24). In order to make payment arrangements to bring your account to a positive balance, please contact our Deposit Overdraft Remediation Team at ###-###-####, Monday through Friday, 8 a.m. to 9 p.m., Saturday and Sunday, 8 a.m. to 5 p.m., ET. If your account remains overdrawn for fifty-five (55) days or more, we may charge off your account and report it to [redacted] for collection proceedings. You also mentioned that the charges assessed to your account were fraudulent. Our records show that you have not filed any transaction disputes since June 2016 when you disputed a transaction of $39.95 that was later credited to your account by the merchant. If you believe any other charges were fraudulent, please contact our Dispute Resolution Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. It was certainly not our intention to cause you any hardship. However, as we stated previously, we are unable to waive any additional fees per our bank policy. Thank you for your patience while we conducted our additional research. We truly value your business, 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, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Previous Response Letter

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.  For your reference, details of the offer I reviewed appear below.
Perhaps Ms. W. needs to escalate this issue because telling me that "there's nothing new" does not resolve anything considering they haven't addressed any of my issues in the first place.  Please ask her to address these issues independently and escalate this issue to Ms. F. or Mr. C..  I insist these issues be addressed instead of a rote reply.  Furthermore, ask her to please quit wasting our time in this and fix the problem. Regards,
[redacted]

[redacted] Date: August 4, 2017 Regarding Your Credit Bureau Inquiry Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding an inquiry on your credit...

report. 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 conducted a thorough review of the inquiry listed on your credit report. Our review determined that the information provided to the credit reporting agencies is correct. On July 13, 2017, we received an application on your behalf for an auto loan at the [redacted] dealership. The application was declined. You will receive an adverse action notice in the mail to your address listed above. We have no record of receiving a previous request to remove an inquiry from your credit report. Per our conversation on August 1, 2017, you were at the [redacted] dealership on July 13, 2017. However, you advised that you had a preapproval from your credit union so the dealership should not have submitted the application to Fifth Third Bank. As we discussed, we can remove the inquiry if the dealership submits a letter to us stating the application was sent in error. You indicated that you were unwilling to contact the dealership. I called the [redacted] dealership directly on August 1, 2017, and spoke to the Financing Department. I explained the information you provided to me about the inquiry, and advised I could remove the inquiry if they sent me a letter stating they sent the application to Fifth Third Bank in error. I left my fax number of ###-###-#### and my phone number listed below. The representative I spoke to said he would determine if they would be able to send the documentation. As of August 3, 2017, I have not received a fax or phone call from the dealership. If the application was submitted in error by the dealership, they will need to provide us with the letter documenting their error. You may wish to contact the dealership directly. The dealership representative can send the requested letter to the following address: Fifth Third Bank Office of the President Attn: Shawna H.5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, this signed documentation can be faxed to my attention at: ###-###-####. If you would like to contact the credit bureaus directly, the contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### 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

[redacted] Date: September 29, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your checking account. We...

appreciate the time you have taken to document your thoughts and concerns regarding this matter. We value your relationship with Fifth Third Bank and appreciate the opportunity to respond to this matter. Your comments expressing less than quality service are very concerning and I regret the difficulties you have encountered regarding your account. To assist you with monitoring your account, our toll-free Telephone Banking system is available twenty-four (24) hours a day at ###-###-####. Our Customer Service Professionals can be contacted at the same telephone number and are available Monday through Friday from 7:00 AM to 8:00 PM Eastern Standard Time (EST), and on Saturday from 8:30 AM to 5:00 PM EST. You can also access your account information at an ATM (Automated Teller Machine), on our Internet Banking website at www.53.com, and on your mobile device through our Mobile Banking service through 53.mobi. Additionally, a free account alert can be sent to up to four (4) e-mail addresses and one (1) mobile device when your account balance falls below an amount that you specify. These alerts can be setup through our Internet Banking at www.53.com. If the available balance in your checking account is not sufficient to cover items that post to your account, the posted items may be returned unpaid and subject to overdraft fees. The per item overdraft fee is based on the number of occurrences in the last twelve (12) months. For the first occurrence, you will be charged $25.00 per item. For any additional occurrences, the charge is $37.00 per item. On September 16, 2015, your checking account balance was $111.27. A debit card purchase for $14.12 and an ACH (Automatic Clearing House) payment in the amount of $199.00 posted to your account. Your ending account balance was negative ($101.85). Since your checking account balance was not sufficient to cover one of the items that posted to your account, your account was charged one (1) overdraft fee of $37.00 on the next business day. If you have outstanding ACH payments that you wish to stop from posting to your account, you have the ability to make arrangements with the payees involved or place a stop payment for each item. When requesting a stop payment, we require the exact details of the ACH item including the item date, the payee involved, and the payment amount at least three (3) business days or more before the payment is scheduled. Should we not receive sufficient details or the stop payment is requested less than three (3) business days prior to the scheduled date, the stop payment may not prevent the ACH item from being paid on your account. It is important to ensure that your account has enough funds to cover all of the transactions that post to the account. As a valued customer, we have reversed a total of $74.00 in overdraft fees within the past three (3) months on your account. Therefore, we are unwilling to waive any additional overdraft fees on your checking account. You may want to consider adding Overdraft Protection to your checking account. We offer several types of overdraft protection. We can connect a second existing account such as another checking account or savings account, or you can apply for a credit card or equity line, which can be connected to your checking account in order for funds to be automatically transferred in case of an overdraft situation. With Overdraft Protection, you are charged one (1) Overdraft Protection transfer fee of $12.00 instead of an overdraft fee of $25.00 for the first overdraft occurrence, or $37.00 per item for each additional occurrence. If you would like more information about Overdraft Protection, please feel free to contact me using the information provided below. You can also visit your local Financial Center or contact our Consumer Contact Center at ###-###-#### to setup Overdraft Protection for your checking account. Thank you for your patience while waiting for a response. You are a valued customer and we sincerely hope that you will continue using Fifth Third Bank for your financial needs in the future. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com

[redacted] [redacted] [redacted] Date: January 9, 2017 Account: [redacted] Regarding Your Fifth Third Basic Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding a recent...

hold placed on your checking account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. We have attempted to contact you by telephone to discuss this matter; unfortunately, you have not returned our calls. 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 Bank Protection Department. 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. Fifth Third Bank strives to meet your financial needs while balancing a commitment to responsible banking practices. In support of this commitment, we may review your accounts and how they are used throughout the year. On October 7, 2016, you opened a Basic checking account online via our website, 53.com. I have enclosed a copy of the signature card for your account. Please find enclosed a copy of the statements and overdraft notices associated with your checking account. On November 7, 2016, your ending account balance was negative ($7.53). On November 8, 2016, the Bank provided provisional credit to your checking account for two (2) disputed transactions. The provisional credit resulted in a positive ending balance of $122.42 on November 8, 2016. Your account fluctuated between a positive and negative balance for the next fourteen (14) days. The ending balance on November 22, 2016, was negative ($51.58). On November 23, 2016, a wire transfer posted to your checking account in the amount of $8,230.00. The wire was initiated by the [redacted]. As you mentioned in your complaint you had sold merchandise to their customer and the wire was payment for your merchandise. On November 30, 2016, [redacted] contacted Fifth Third Bank to alert the Bank that the transaction was under review. Our Bank Protection placed a hold on your account while they investigated the wire transfer. However, I have confirmed the Bank Protection Department has closed their investigation and the hold was released on January 4, 2017. [redacted], please be assured that we have fully researched your concerns and we believe that your issues were handled both appropriately and professionally in accordance with our Bank’s policies and procedures. If I could be of further assistance to you please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosures: Statements Overdraft Notices

[redacted] [redacted] [redacted] Date: February 7, 2018 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com (Revdex.com) regarding your mortgage...

loan payments. Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. To the extent your original obligation was discharged, or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this letter is for compliance and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. However, a creditor retains rights under its security instrument, including the right to foreclose its lien. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. Please be assured that we have researched the issue surrounding the late fees that were assessed to your mortgage loan account ending in [redacted]. Our review of this matter has found that these fees were charged appropriately. We have verified that Auto BillPayer’s services are stopped when the Bank receives notification that bankruptcy has been filed. I have enclosed a copy of the letter you were sent that explained this on November 26, 2016, for your records. Regarding your statements surrounding the attempts you state you made to reenroll in Auto BillPayer, we have found that the payments that were made on December 9, 2016, and January 20, 2017, were one-time payment options. Auto BillPayer reenrollment was completed on February 13, 2017. I have also enclosed letters regarding each of these transactions for your records. We deeply regret any misunderstanding which may have occurred surrounding this matter, and have confirmed that one late fee in the amount of $15.00 was waived on the account in the interest of customer service on January 10, 2017. I hope this meets with your satisfaction. At Fifth Third Bank we strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. I also 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 ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S.Office of the President Pc: Revdex.com Enclosures: Important Information Regarding Your Auto BillPayer Service Auto BillPayer One-Time Payment Letter sent December 9, 2016 Auto BillPayer One-Time Payment Letter sent January 20, 2017 Mortgage Loan Payment History

[redacted] [redacted] [redacted] Date: October 13, 2015 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received your rebuttal to our initial response to your complaint filed with the Revdex.com, concerning your installment loan payments. We appreciate the time you have taken to express your concerns regarding this matter. Your original complaint was filed on September 24, 2015. We received your follow up correspondence to our response on October 6, 2015. However, we stand by the response conveyed to you in the previous letter sent on October 2, 2015. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. As mentioned in our original response, on September 24, 2015, the Bank received a check from [redacted], your insurance company, in the amount of $25,077.82. On the date this payment was received, the balance owed on your vehicle loan was $27,213.05. Therefore, the payment from the insurance company was not sufficient to pay off your loan in full. A principal balance of $2,135.23 remained owed on the loan after the payment from your insurance company. Since your loan balance was not paid in full the loan remains open with a balance owed. The total loss of your vehicle did not exempt you from making the required monthly payments since we did not receive sufficient funds from your insurance company to pay off the loan. On October 2, 2015, the Bank did receive your $435.37 payment toward your installment loan. Your next scheduled payment was due on October 3, 2015. According to the [redacted] policy agreement, your policy covers the difference between the financed balance on your loan contract and the vehicle’s actual cash value should it be deemed a total loss. However, this [redacted] policy does not include coverage for unearned finance charges, any past due payments, or penalty fees, including late charges, ifremained unpaid on the loan. As of October 9, 2015, the Bank has not received a payment from your [redacted] insurance claim. Please not you may have a final payment due after your [redacted] insurance is received by the Bank. If you have questions regarding your total loss claim, please contact the Plan Administrator. [redacted] can be contacted at ###-###-####. I have enclosed a copy of your signed Total Loss Protection Addendum for your convenience and records. 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 [redacted], or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President Enclosures (2): Previous Response Letter, Total Loss Addendum

[redacted] Date: June 14, 2017 Account: [redacted] Regarding Your Installment Loan Account Dear [redacted]: We received a copy of your complaint filed with the [redacted])...

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. On February 2, 2017, you agreed to a sixty (60) month vehicle installment loan in the amount of $17,963.89 with an interest rate of 2.990%. Enclosed for your reference and review is a copy of the signed contract for the loan. Your loan is a simple interest loan, which means interest accrues each day on the unpaid principal balance. Each day that passes with a principal balance will result in additional interest that must be paid to pay the loan in full. When a customer wants to pay a loan in full, it is imperative that the customer contact the Bank and request a payoff quote. The payoff quote will include all funds needed to pay the loan in full and close the account, including interest owed and any fees. Vehicle loan payoff quotes also include the per diem interest amount, which is the amount of interest accruing each day based on the principal balance owed at that time. The customer must add additional funds based on the per diem amount for each day through the date of the receipt of the payoff funds by the Bank. We were able to review your phone call with our Customer Service Department on April 14, 2017. You asked the representative if you could make a payment to the loan using a credit card account, to which the agent advised you could not. You then asked if you paid the exact amount of the loan if the title would be sent to you. The representative advised you that the $17,708.42 was just the outstanding principal balance, and a $17,708.42 payment would not pay off the loan. You did not request a payoff quote during your phone call with customer service, therefore, a payoff quote was not ordered. We received your $10,000.00 principal only payment on April 14, 2017, which reduced the outstanding principal balance from $17,708.42 to $7,708.42. We then received another principal only payment of $7,708.42 on April 17, 2017. This reduced the outstanding principal balance owed to zero (0). However, the payments you submitted were not sufficient to cover the outstanding interest owed that had accrued on the unpaid principal balance since your last monthly payment on March 20, 2017. As a result, the loan could not be paid in full and closed. Because the loan was not paid in full, we did not initiate our lien release for the vehicle. Due to the outstanding balance still owed, a payment was due on April 19, 2017. We did not receive the required payment within the fifteen (15) day grace period; therefore, a $1.91 late fee was assessed. We certainly understand it was your intention to pay the loan in full. We reapplied the $7,708.42 payment as a regular payment effective as of April 14, 2017, when the payment was received. This satisfied the payment that was due for April 19, 2017, with the remainder of the funds going to principal. We waived the $1.91 late fee, as well as a $5.00 coupon book fee that was assessed for an additional coupon book requested on March 20, 2017. The remaining amount owed on the loan after we reapplied the payment was $32.15, which we waived. Please be assured that your loan is now paid in full and closed as of June 9, 2017. We will release our lien and send a lien-free paper title to your address listed above. This process will occur within ten (10) business days of June 9, 2017. 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: [redacted] Enclosures: Note, Payment History

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and I find Fifth Third Bank is forcing me to accept their resolution of this matter.  The timeliness of the resolution of this complaint is an unacceptable one for a financial institution. Fifth Third Bank charges consumers/customers daily fees for bank overdrafts, in the amount of $25 for the first overdraft.  Then they charge $8 for every day thereafter.  It took 21 days for Fifth Third Bank to come up with the solution to refund me the $80 their faulty ATM kept during a deposit that took place 21 days ago.  Fifth Third Bank should be reimbursing me a total of $193 although their administration states they cannot refund me the same fee they charge their customers!  I will be blogging about my experience as I have kept a thorough record of this event.  
Regards,
[redacted]

[redacted] Date:    July 13, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding a stop payment placed on your 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 this matter may have caused you. Our records show that on June 29, 2015, a stop payment was placed on check number 666 for $589.00 made payable to [redacted]. This check was presented to the Bank and posted to your account on July 3, 2015. When a stop payment has been placed on a check, the system will allow the check to post to your account and the item will be returned the following business day. Subsequently, on July 6, 2015, check number 666 was returned to the payee and $589.00 was credited back to your account. No overdraft fees or returned item fees were assessed to your account due to the stop payment. I have enclosed a copy of your checking account statement for your review. I hope this letter addresses all of your concerns and you are satisfied with the resolution. We appreciate your patience while we reviewed this matter. You are a valued customer and we hope you will allow Fifth Third Bank to service your financial needs in the future. If I may be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8:00 a.m. to 6:00 p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com Enclosure: checking account statement

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 have sent a police reports, credit reports, as well as a statement from an official police offers. I fax these documents yesterday to Fifth Third Banks as well as [redacted] Consumer. If the inquiry is not removed I will file a claim with the FTC.
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]

[redacted] Date: September 27, 2016 Account: [redacted] Regarding Your Fifth Third Bank Accounts Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com, regarding your checking and savings account activity. Thank you for taking the time to document your thoughts and concerns. I appreciated the opportunity to speak with you on September 20, 2016, regarding this matter. Your original complaint filed with the Revdex.com was received on September 2, 2016. The Bank received a complaint you filed with the [redacted] on September 14, 2016. We received your most recent complaint filed with the Revdex.com on September 21, 2016. However, we stand by the response conveyed to you in our previous letter dated September 9, 2016. Our position on this matter has not changed. I have enclosed a copy of our previous response for your records. In our prior response, we enclosed copies of your checking account statements from June 2013 through April 2014. For your records and review, we have enclosed your checking account statements from July 2010 through May 2013. In addition, we have enclosed your savings account statements from June 2010 through May 2013. Please use the enclosed documents in addition to the previously mailed statements, as verification of the account balances and activity for the time your accounts were open. On July 23, 2013, the Bank processed a garnishment on your checking and savings account. Please find enclosed a copy of check ([redacted]) which was sent to [redacted] County Magistrate Court. The check was negotiated on July 31, 2013. The memo line on the enclosed check states: [redacted]. Please use the enclosed document as verification that [redacted] County has processed the check mailed on July 23, 2013. 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, Patrick S.Office of the President PC: Revdex.com Enclosure(s): Previous Response, Statements,

[redacted] Date: March 28, 2018 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. Your request was...

referred to this office for review and response. We are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. To prevent an overdraft situation, you have the ability to review your account at an ATM (Automated Teller Machine), on our website at 53.com, through mobile banking, or by calling our Customer Service Department at ###-###-####. If the account becomes overdrawn, an overdraft notice is generated that includes a detailed breakdown of the day’s transactions. This overdraft notice is also available to view online at 53.com. As part of your checking account relationship, Overdraft Coverage allows payments and purchases to be made even if you don’t have enough money in your account. You have the option of enrolling in Overdraft Coverage for ATM transactions and one-time Debit Card purchases. In addition, a customer can change their Overdraft Coverage options at any time at a banking center, online at 53.com, via mobile banking, and over the phone by calling ###-###-####. ** Accepting, or opting in, to this service allows you to make Debit Card purchases or ATM withdrawals even if you don’t have enough money in your account. However, there are fees for each item the bank pays when there are insufficient funds in your account. ** Opting out of Overdraft Coverage for ATM transactions and one-time Debit Card purchases means that transactions will be declined in the event you do not have enough funds in your checking account. ** If the Bank is presented with checks, online bill payments, and ACH (Automatic Clearing House) items, we are obligated to make a decision on whether to pay or decline an item, which may cause either an overdraft fee or a return item fee. 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 and per item overdraft fees will not be assessed if your account is overdrawn by $5.00 or less at the end of the business day. The Overdraft, or Return Item Fee, is $37.00 per item. The fee will post to your account on the next business day after the activity that caused the fee. In order for the account not to receive overdraft fees on March 7, 2018, sufficient funds to cover the negative balance needed to be posted on March 6, 2018. On March 19, 2018, a total of $620.00 was deposited into the account through a variety of channels. Funds from ATM deposits on non-Fifth Third check deposits may not be available for immediate use. $200.00 of the total amount deposited was unavailable according to our Funds Availability Policy. Information regarding how we process credits and debits is available in our Rules and Regulations booklet provided to you during account opening and available on 53.com. I have enclosed copies of the Overdraft Notices, which provide additional detail regarding the account activity from March 6, 2018, and March 19, 2018. All of the presented items were paid, however a total of four (4) $37.00 overdraft fees were charged. The overdraft fees posted the business day after the activity for which they was assessed. We strive to provide professional and accurate information to our customers, and I regret the difficulties you have encountered regarding your account. Because you are a valued customer, three (3) overdraft fees totaling $111.00 were reversed within the last twelve (12) months as a courtesy to you. Therefore, we are not willing to waive additional fees at this time. It is not our intention to cause you any hardship and I apologize for the inconvenience this matter caused you. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com Enclosures: Overdraft Notices

The bank had a promotion of $200 to open a new checking account and  did not provide the bonus.

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 have receive a letter from 53th bank and I have call Lisa and have not got a call back from her yet, so no I not like what they or saying about the account that I had with there bank back in the pass because they or not trying to do anything about it and they never have try to do nothing about the issues back then.

Dear Revdex.com:
Thank you for your diligence in both response and resolution.  I am grateful for the quick response of the representative who contacted me from Fifth/Third Bank.  The area of concern has been completely and satisfactorily resolved.  Thank you! 
[redacted]

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.  We accept the offer, but the bank told me they were sending the check last week, but no check has arrived yet.
Regards,
[redacted]