PROCORPSA

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 was plainly STOLEN from and my signature was FORGED when in [redacted] last February. The bank wants the original receipt for the correct amount of approx. $40.00. I do NOT have this receipt, as I never received one. Why do they need this receipt? I am not fighting that charge! I am only fighting the 2nd purchase from that merchant! He made up a charge AFTER I LEFT the store!!!!!!The charge AFTER I LEFT THE STORE is the one I am disputing! Same merchant double charged my friend at the same time on THE SAME DAY…We both went in and out of the store together. He did it to her too and her bank refunded her money!I made 1 purchase and left! My ONLY  purchase was a picture frame…I DID NOT authorize an additional $245.15 after leaving the business!... All he says is I purchased 5000 pesos….What would I do with 5000 pesos???? 5000 pesos doesn’t even equal $245.15 !!!!!!The forgery is not even close to my signature!!!…FRAUD 100%...My last name is [redacted]…The guy clearly signed it [redacted]!Didn’t even spell it right & the bank accepted it as mine… IT IS NOT!!!Don’t bank’s have forgery experts??? They sure should as I have been FORGED !!!So, now I have been stolen from !!!I swear on my grandmother that I DID NOT MAKE ANOTHER PURCHASE!!!I can prove that my friend was stolen from  as well! Same day, SAME TIME.I am in total SHOCK that this bank is stealing from their customers!Please help me with this huge injustice !!!![redacted]

[redacted]     Date:       July 15, 2015  Account:         [redacted]   Regarding Your Checking Account   Dear [redacted]:     We received a copy of...

your complaint filed with the Revdex.com, concerning your Fifth Third Bank checking account. We appreciate the time you have taken to bring this matter to our attention.   I am sorry for your unsatisfactory experience concerning the promotional offer for opening a checking account with us.  It was certainly not our intention to cause you any difficulties or frustration. We understand your desire to receive the benefits of the new relationship offer with the Bank. However, this offer was not available to existing customers or those with a Fifth Third checking account that has been closed within the last twelve (12) month.   Our records show that this is not your first relationship with us. On November 28, 2014, you opened an Essential checking account and a Goal Setter Savings account. Therefore, the Bank does not consider your E-Access checking account ending in 1460 to be a new relationship.  While we certainly want your business and hope to have a continuing relationship with you, we are not willing to credit your account for the $200.00 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: June 21, 2017 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. To maintain the security of your personal and account information, I am sending this letter to the address we currently have on record for you. I noticed that the address you use in your complaint is different. According to our security protocols, I cannot update your mailing address based upon your complaint. I encourage you to call customer service to make sure your contact information is properly updated. Customer service can be reached at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. On behalf the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. We strive to provide exceptional service to our customers, and I am sorry that was not your experience. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. I also want you know that customer feedback is reviewed by senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Fifth Third Bank processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order: 1. Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability Policy. 2. Time-stamped debits, such as Automated Teller Machine (ATM) withdrawals and debit card purchases, in the order in which they are authorized. 3. All other debits including checks, and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges in the order of the largest amount to the smallest amount. Time-stamped debits appear in your account as pending items until they are posted. Other debits, including checks and electronic bill payments, are not pre-authorized by us and do not include a timestamp. Therefore, these items will not appear in your account until they are posted at the end of the business day’s overnight processing. Checks and electronic bill payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized by you to be paid and collected for payment from Fifth Third Bank. In your complaint, you mention three (3) specific overdraft occurrences. The first (1st) occurrence was on May 3, 2017. On that day, the beginning balance in your checking account was $247.91. One (1) merchant credit of $12.75 posted to your account. No other credits posted to your account on that day. Nine (9) items totaling $356.82 were debited from your account. These items were posted in the following order: 1. Debit Card Purchase $18.13 Time-Stamped 05/02/17 4:36 p.m. 2. Debit Card Purchase $3.14 Time-Stamped 05/02/17 5:06 p.m. 3. Debit Card Purchase $24.24 Time-Stamped 05/02/17 8:59 p.m. 4. Debit Card Purchase $7.46 Time-Stamped 05/02/17 10:40 p.m. 5. Merchant Payment $53.57 Time-Stamped 05/03/17 10:52 a.m. 6. Merchant Payment $3.09 Time-Stamped 05/03/17 10:57 p.m. 7. Merchant Payment $11.74 Time-Stamped 05/03/17 1:13 p.m. 8. Merchant Payment $36.70 Time-Stamped 05/03/17 4:55 p.m. 9. Insurance Payment $198.75  On that day, your account had a negative ending balance of ($96.16). Due to insufficient funds for the insurance payment one (1) overdraft fee of $37.00 was assessed and posted to your account the following business day. Please note that since the insurance payment was not a time-stamped debit, the item would not have appeared in your account until it was posted at the end of the business day’s overnight processing. On May 4, 2017, you made a cash deposit of $850.00 to bring your account to a positive balance. The second (2nd) occurrence you mentioned was on May 5, 2017. On that day, the beginning balance in your checking account was $16.84. No credits posted to your account on that day. One (1) web-initiated payment of $41.00 posted to your account resulting in a negative ending balance of ($24.16). Due to insufficient funds one (1) overdraft fee of $37.00 was assessed and posted to your account the following business day. On May 9, 2017, one (1) ATM deposit of $100.00 and one (1) direct deposit of $218.57 posted to your account bringing it to a positive balance. The third (3rd) occurrence you mentioned was on May 22, 2017. On that day, the beginning balance in your account was $4.39. No credits posted to your account on that day. Two (2) items totaling $68.38 were debited from your account. These items were posted in the following order: 1. [redacted] $36.33 2. [redacted] $32.05 On that day, your account had a negative ending balance of ($63.99). Due to insufficient funds for both items two (2) overdraft fees totaling $74.00 were assessed and posted to your account the following business day. On May 24, 2017, one (1) ATM deposit of $165.00 was credited to your account bringing it to a positive balance. Your account also became overdrawn on May 10, 2017, and June 8, 2017. I have included copies of all overdraft notices we sent to you since May 3, 2017, for your review. On June 9, 2017, you closed your personal checking account with a zero (0) balance. It was certainly not our intention to cause you any hardship. Our records show that we waived overdraft fees totaling $74.00 in the past twelve (12) months. We are unable to waive any additional fees per our bank policy. Thank you for your patience while we conducted our research. We regret that you felt the need to close your personal checking accounts. 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: Overdraft Notices

[redacted] Date: May 16, 2016 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 completed a review of the installment loan account ending in [redacted]. On March 29, 2016, we received the enclosed Auto BillPayer enrollment form, and your request for automatic payments was processed. The enclosed letter was sent to you, informing you that Auto BillPayer will automatically pay your account every month starting April 6, 2016. As explained in this letter, on April 6, 2016, a payment in the amount of $334.03 was processed by Auto BillPayer. In addition, on April 1, 2016, you scheduled a payment to the installment loan to be processed on April 4, 2016, via 53.com in the amount of $334.03. On April 7, 2016, you requested for the overpayment to be reversed and credited to your checking account ending in [redacted]. As explained during your telephone call with the Bank, this request would take three (3) business days to be completed. On April 12, 2016, we reversed the payment in the amount of $334.03 from the installment loan account. We also completed a review of the payoff information that was provided for the account, which included the following: ** On April 8, 2016, at 12:13 p.m. a payoff quote was requested through the automated system. The payoff amount quoted at this time was $19,429.89, with a per diem of $3.34. ** On April 13, 2016, at 10:20 a.m. a payoff quote was requested to be sent via mail and the enclosed letter was sent to you. The payoff amount at this time was $19,780.97, with a per diem of $3.39. ** On April 20, 2016, at 12:50 p.m. a payoff quote was requested through the automated system. The payoff amount quoted at this time was $311.37, with a per diem of $0.05. Our review of the account determined that the initial payoff quote requested on April 8, 2016, was requested prior to the payment being reversed on April 12, 2016. The payoff amount as of April 13, 2016, was $19,780.97. Because we received a payment in the amount of $19,466.60, that payoff for the installment loan was not satisfied. The account was still active and enrolled for automatic payments through Auto BillPayer, and on May 6, 2016, the final payoff in the amount of $311.71 was processed, and the account was closed. Because there was no overpayment made to the account, we will not accommodate your request for a refund. I apologize for any further frustration this may cause you. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com Enclosures: Auto BillPayer Enrollment Form, Auto BillPayer Letter, Payoff Letter

[redacted] Date: April 4, 2018 Account: [redacted] Account: [redacted] Regarding Your Recent Experience Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com (Revdex.com) regarding your recently disputed transactions. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the continued time you have taken to communicate your thoughts and concerns regarding this matter. We initially received a copy of this complaint on February 12, 2018 via the Revdex.com. We received a duplicate complaint from you on March 20, 2018. Although we regret your continued frustration with this matter, we stand by the response conveyed to you in the previous letter sent on March 14, 2018. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. [redacted], Fifth Third Bank strives to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S.Office of the President Pc: Revdex.com Enclosure (1): Previous Response Letter

[redacted] Date: October 21, 2015 Account: [redacted] Regarding Your Fifth Third Bank Platinum [redacted] Dear [redacted]: We received a copy of the complaint you filed with the Better...

Business Bureau, regarding your Platinum [redacted] benefits. 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 the level of service you received from our Customer Service Department. Please be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customers. After receiving your letter, I forwarded your concerns to the relevant parties in our Customer Service Department. I also want you to know that our senior and executive management teams review customer feedback as part of our ongoing commitment to improving our customers’ satisfaction. However, I cannot inform you to specific internal actions that may be taken. On September 20, 2012, your application for a Platinum [redacted] was approved. At that time, the Platinum [redacted] was automatically enrolled in the reward point program. Beginning on February 18, 2014, the Bank no longer offered the reward point program to new applications for the Platinum [redacted]. However, existing cardholders, like yourself, were grandfathered into the reward point program. Real Life Rewards is the name of our internal rewards program offered on a variety of our products. Along with the Real Life Rewards program, the Bank, in conjunction with [redacted], offers a variety of additional benefits to our cardholders. For your convenience, I have enclosed a copy of the benefits associated with the Fifth Third Platinum [redacted]. Fifth Third Bank does offer a variety of [redacted] products to our customers. Each product has a unique set of features and benefits to meet the different needs of our customers. As you mentioned in your phone conversation with our customer service agent on October 12, 2015, the Real Life Rewards [redacted] does provide cardholders with [redacted] Insurance. This benefit is not provided with the Platinum [redacted]. Since [redacted] Insurance is not a benefit associated with the Platinum [redacted], the Bank is not willing to reimburse you for the $250.00 deductible for your rental car. 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, Patrick S. Office of the President PC: Revdex.com Enclosure: Platinum [redacted] Benefits

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]

Please find below the text of the letter and enclosure being mailed to the customer. All other enclosures have been provided with our original response. Thank you. [redacted] Date: February 15, 2017 Account: [redacted] Regarding Your Fifth Third Bank 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 regarding this matter. We received your original complaint filed with the Revdex.com on January 5, 2017. We received your follow up complaint on February 7, 2017. However, we stand by the response conveyed to you in the previous letter sent on February 3, 2017. I have enclosed a copy of that prior correspondence, our position on this matter has not changed. On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with your installment loan. It was certainly not our intention to cause you any hardship. We strive to provide an exceptional experience to our customers, and I am sorry we have not met your expectations. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As mentioned in our original response, we determined you did not provide the Bank proof of insurance on your vehicle from March 25, 2016, through December 2, 2016. Per the terms of your security agreement, the Bank purchased an insurance policy to cover your vehicle from March 25, 2016, through March 25, 2017. Upon receiving proof of your insurance, the Bank purchased insurance policy was cancelled and your installment loan was refunded $391.00. Please use the below breakdown as verification of your payments toward the force placed insurance policy. As of February 9, 2017, the remaining balance on your insurance policy is $318.19. Payment Date Amount to [redacted] Balance 6/24/2016 $1,426.00 Rebate $391.00 $1,035.00 7/19/2016 $33.57 $1,001.43 7/26/2016 $33.55 $967.88 8/2/2016 $30.68 $937.20 9/7/2016 $31.25 $905.95 9/12/2016 $36.09 $869.86 9/21/2016 $30.68 $839.18 10/25/2016 $41.64 $797.54 11/1/2016 $41.66 $755.88 11/8/2016 $11.32 $744.56 12/2/2016 $115.00 $629.56 12/5/2016 $21.56 $608.00 1/4/2017 $65.55 $542.45 1/23/2017 $115.00 $427.45 2/01/2017 $109.26 $318.19 Amount Owed $318.19 Please find enclosed a copy of a payment breakdown. Included in this breakdown is your payment due date (the 9th of every month), the date you made a complete loan payment, the number of days your loan was past due, and the payment date satisfied by each payment. On February 1, 2017, the Bank received and processed your payment of $338.84. This payment satisfied your December 9, 2016 payment. The Bank has not received your payment due January 9, 2017, or February 9, 2017. As of February 9, 2017, the amount to bring your account current is $720.45. This amount includes the following: Regular Payment due February 9, 2017 $297.69 Past due balance January 9, 2017 $ 19.99 Force Placed Insurance Balance $318.19 Late Charges $ 84.58 Total Amount Due $720.45 If you make the payment of $720.45 prior to the end of your grace period, February 19, 2017, your payment due March 9, 2017, would revert to your normal payment of $182.69. It should be noted, the Collection Department considers repossession of property when an installment loan becomes more than sixty (60) days past due. As mentioned above, the Bank has not received your installment loan payment due December 9, 2016. Because of the force placed insurance dispute, we have worked with the Collection Department to ensure your vehicle would not be sent for repossession at this time. However, a payment to satisfy the past due balance is due immediately. It was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matter. We value your relationship and look forward to fulfilling all of your financial needs for years to come. 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: Security Agreement Proof of Insurance letters (3) Payment Breakdown

[redacted] Date: October 19, 2016 Accounts: [redacted] Regarding Your Savings Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your savings 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. A savings account is determined to be dormant if there are no deposits or withdrawals for thirty-six (36) months. On November 19, 2013, your savings account ending in [redacted] was considered dormant because there had not been any deposits or withdrawals in the past thirty-six (36) months. Your November 2013 statement contained the following message informing you of the dormant status: OUR RECORDS INDICATE THAT YOUR ACCOUNT HAS HAD NO ACTIVITY FOR SOME TIME AND FOR YOUR PROTECTION IT IS NOW CONSIDERED DORMANT. FOR MORE INFORMATION ON HOW THIS MAY AFFECT YOUR ACCOUNT, PLEASE CONTACT YOUR BANKING CENTER. I have enclosed a copy of your November 2013 statement for your review. Unfortunately, once a savings account becomes dormant, it is not accessible via Internet Banking or ATMs (Automated Teller Machines). That is why you were unable to complete the online transfers you initiated, or make a deposit into an ATM. In order to activate a dormant account, you need to make a deposit or withdrawal in person at a Fifth Third Bank banking center. I am sorry for any frustration this may have caused you. On October 12, 2016, you made a deposit of $3.00 into your savings account at the [redacted] Banking Center. Your savings account is no longer in a dormant status. On October 13, 2016, you transferred $503.00 from your savings account to your checking account ending in [redacted]. Please keep in mind that if you do not make any deposits or withdrawals within thirty-six (36) months, your savings account will become dormant again in the future. It was certainly not our intention to cause you any hardship. However, we are unable to provide you with any monetary compensation. I would also like to thank you for your feedback regarding the availability of Fifth Third Bank’s services to our customers. Please be assured that our senior and executive management teams review customer feedback to improve our customers’ satisfaction, and your feedback has been taken under advisement. Thank you for your patience while we conducted our research. We value your business, and we look forward to continuing our banking relationship with you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosure: Statement

[redacted] Date: March 24, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding a recent overdraft on...

your checking account. We appreciate the time you have taken to share your thoughts and concerns regarding this matter. It was certainly not our intention to cause you any undue frustration and we sympathize with the difficulties you encountered with your account. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused Ok you. Please be assured that we have contacted the relevant parties to express your dissatisfaction with the service you received and passed on your concerns. Our Consumer Contact Center strives to provide professional and accurate service during every telephone call they receive throughout the day. Due to this reason, our Customer Service Professionals will attempt to ensure that every effort is taken to resolve any issue that you bring to their attention versus transferring your telephone call. I am sorry if your telephone call experience did not meet the same high standard. If your available balance 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 occurrence, the charge is $37.00 per item. Should the account become overdrawn, we also send an overdraft notice via standard mail to inform you of the occurrence, which includes a detailed breakdown of the day’s transactions. I have enclosed a copy of our Rules & Regulations handbook that you received and agreed to when signing a signature card to open the checking account. Pages 2, 11, and 12 provide additional information regarding overdraft and the related fees. Page 2 also explains that a $2.00 fee will be charged for all non-Fifth Third Bank ATM (Automated Teller Machine) transactions. Your checking account became overdrawn on March 14, 2016, when the beginning balance in your checking account was $2,226.28. Five (5) debit transactions totaling $2,228.28 posted to the account that day, creating an ending available balance of negative ($2.00). One of the transactions that posted to your account was a $2.00 non-Fifth Third Bank cash withdrawal fee for the cash withdrawal made at a Jeanie machine. However, your account was not charged any overdraft fees due to this activity because the negative balance was less than $5.00. On March 15, 2016, the beginning day balance in your checking was negative ($2.00). One (1) debit card transaction to Food Barz for $3.11 posted to your account. Your ending day balance was negative ($5.11). Since you did not have enough funds in your account to cover this transaction, your account was charged one (1) overdraft fee of $37.00 on the following day. Because you have already had the maximum of $74.00 in courtesy fee waivers in a twelve-month period, we are unwilling to reverse any additional fees. You may want to consider adding Overdraft Protection to your checking account. We offer several types of overdraft protection. We can connect a second account such as another checking account or savings account, or you can apply for a credit card or equity line, which can be connected to your checking account in order for funds to be automatically transferred in case of an overdraft situation. With Overdraft Protection, you are charged one (1) Overdraft Protection transfer fee of $12.00 instead of an overdraft fee of $25.00 per item for the first overdraft occurrence, or $37.00 per item for each additional occurrence. If you would like more information about Overdraft Protection, 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. We appreciate your patience while waiting for a response. You are a valued customer and we hope you will allow Fifth Third Bank service your financial needs for many years to come. If I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., EST. Sincerely, Lisa S.Office of the President Pc: Revdex.com Enclosure: Terms & Conditions

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 use bill pay to pay our monthly bills. The night before they were to come out we realize that we hadnt made a deposit. We tried to stop the payments for the next day. The online banking would not allow it. We received approximately $260 in fees due to the computer errorDesired Outcome: Refund the fees

Please see attached documentation showing that I had sufficient funds. I also have issues with the automatic bill payer program, please have Fifth Third contact me. Thank you.

Hello, after receiving the letter dated 9/1/2016 from Fifth Third Bank in the mail today I see that it says also On May 31, 2016 my dispute was opened. I actually opened the dispute by calling on May 28 ,2016 in which also at this time I relayed the details of my non- receipt of services as myself and the merchant had discussed briefly on 5/25/2016 via phone as to what the $350 would be for the very next day 5/26/2016 was to be the date of service. This 10 minute conversation was my only one with the merchant as had no previous contact with her and only obtained her cell phone number only from her website. It also says we are unable to further pursue these disputes yet there is and has just been one dispute. These letters keep coming from the Office of the President with the same signature, in which I have been given at least 3 different street addresses for.Also as previously explained my questions in my non- accceptance today with the Revdex.com go unanswered and the documents provided to me being my own letter sent to them detailing the dispute and my bank statement are not acceptable as the only documents indicating how my dispute was investigated as there should be a response from the merchant.Thank you,[redacted]

[redacted] Date: January 22, 2016 Account: [redacted] Regarding Your Fifth Third Bank Access [redacted] Card Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, concerning...

the difficulties you experienced with your Access [redacted] transaction dispute. We appreciate the time you have taken to express your concerns regarding this matter. Your comments expressing less than quality customer service are very concerning. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. We sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to us. Feedback like yours helps us identify problems and improve the level of service we provide to our customers. Please be assured that the relevant parties have been contacted to express your dissatisfaction with the service you received. Although the Access [redacted] Card was issued by Fifth Third Bank, [redacted] is the servicer of the card. Upon receiving your complaint, we contacted [redacted] on your behalf to investigate the disputed transaction. Enclosed please find a letter mailed to you on September 25, 2015, requesting more information about your dispute. Our research determined the provisional credit was removed from your Access [redacted] card when your dispute was denied. [redacted] denied your dispute because the merchant states they have not received the merchandise from you. In your letter, you mention you have proof that the merchandise was returned. If you have proof that the merchant has received the returned merchandise, please contact [redacted] at ###-###-####. We also suggest contacting the merchant to provide them with a tracking number for the returned item. You can also fax this documentation to [redacted] at ###-###-####. Included with your fax should be a request to re-open the dispute claim, proof of the returned merchandise, and the last ten (10) digits of your account for verification. It was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matter. You are a valued customer and we hope you will allow us to serve your financial needs in the future. If I could be of further assistance to you please contact me directly at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Status of Dispute Letter

[redacted] Date: June 28, 2016 Account: [redacted] Regarding Your Recent Overdraft Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com (Revdex.com) concerning your...

recent overdrafts and request for a refund of fees. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my apologies for any frustration this matter may have caused you, as well as sincere sympathies for the recent difficulties you have experienced. We have researched the issue surrounding the overdraft fees you have recently accrued, and found that the fees were charged correctly. We regret the inconvenience this matter may have caused you, but as the customer you are in the best position to know if items you have authorized, either by debit card, check, or electronic ACH payments, have cleared your checking account by utilizing a checkbook register. Due to no bank error being found in our research of this matter, we are unable to refund any overdraft fees charged to your account above the amount of the courtesy waiver you have previously been offered and have refused. To clarify for future transactions, the Bank processes transactions at the end of each business day in the following order: ** Credits and deposits made prior to the end of day cutoff time ** ATM and debit card transactions in the order they took place ** All other debits, including checks and electronic bill payments, in the order of highest to lowest amount ** Fees and service charges Debit card and ATM transactions are time-stamped debits and are pre-authorized at the time of use, and will show pending until they are posted. Because time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic ACH payments are batch debits that are not pre-authorized by us. These transactions do not include a time-stamp and will not show as pending during the day. Checks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized. Regarding the fees which have been assessed on your account, Fifth Third Bank checking accounts have options of both Overdraft Protection, and Overdraft Coverage. Overdraft Protection automatically transfers funds from a Fifth Third Bank savings account, credit card, or home equity line to cover items that overdraw your checking account at the end of the business day. With Overdraft Protection, we charge a reduced transfer fee of $12.00 for each transfer versus a higher overdraft fee of $25.00 or $37.00 for each posted item that overdraws your account. Please be aware that Overdraft Protection will cover all types of transactions when the available checking account balance is insufficient. In contrast to Overdraft Protection, some of our deposit accounts also have Overdraft Coverage for ATM and debit card transactions. Overdraft Coverage allows a customer to access funds beyond the balance in their account for emergency cash needs. The option exists for account holders to choose whether to continue having Overdraft Coverage on your account for ATM (Automated Teller Machine) transactions and one-time debit card transactions per federal regulations. Effective June 11, 2010, you had the ability to choose whether to continue having Overdraft Coverage on your account for ATM transactions and one-time debit card transactions via Internet Banking at 53.com, by calling our 24 hour automated telephone line at ###-###-####, or by visiting one of our local Banking Centers. According to our records, your account is currently opted out of Overdraft Coverage. Please be aware, with the decision to decline Overdraft Coverage for ATM and one-time debit card transactions, your card will be declined if there are insufficient funds in your account, and will therefore not receive overdraft fees for debit card transactions. However, this Overdraft Coverage does not apply to checks and electronic ACH payments. If a check or electronic payment is presented against your account with insufficient funds, the item may be assessed an overdraft fee, or returned and charged a $37 returned item fee. If the checking account is overdrawn, we also send an overdraft notice via standard mail to inform you of the occurrence that includes a detailed breakdown of the day’s transactions. Included with this letter you will find a copy of our Rules and Regulations, as well as information titled Fifth Third Overdraft Solutions for Consumers. Please review this document, as well as the Rules and Regulations for more information about overdrafts and how items may post to your account. If you have any questions, please contact myself, your local branch, or a customer service professional at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., Saturday, 8:30 a.m. to 5 p.m., ET. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. It was certainly not our intention to cause you any difficulties or frustration. 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 by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. [redacted], thank you for your patience while waiting for a response. We certainly hope you will continue to use Fifth Third Bank for 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, Sarah S.Office of the President Pc: Revdex.com Enclosures: Fifth Third Overdraft Solutions for Consumers Rules and Regulations Page 2 of 2

Problem: Last night I waited until 11:58pm - 11:59pm - 12:00am - 12:01am to see if anything comes through my account . There was nothing . I took pictures of the screen with those times shown on my ipad. This morning when I woke up, I was charged $74 again. 53 Bank rips money from people like me by processing transactions at after midnight but still charges overdraft. I have proof of what they do is illegal. No basis I need to be refunded. If not this time my screen shots will be on the news....Desired Outcome: refund immediately

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.  I thank 5/3 for being reasonable and treating me with respect. I look forward to continue banking with them for years to come,  and really appreciate them overturning the overdraft fee. Thanks to the Revdex.com and 5/3 bank for prompt resolution on this issue! 
Regards,
[redacted]

[redacted], On March 30, 2016, the Office of the President responded to [redacted] regarding his dispute case and stated the following: As I stated in our prior response sent on March 3, 2016, the disputes resolution department is currently reviewing your case ([redacted]). After the review process is complete, the disputes department will send you notification of their final decision. If you would like to contact the disputes department directly, you can call them at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., Saturday, 8:30 a.m. to 5 p.m., ET.  If [redacted] has additional questions about his dispute case, please advise him to contact the Disputes Department directly with the above contact information. Thank you,  Jennifer L. C.Fifth Third Bank, Office of the President

[redacted] Date: February 1, 2018 Account: [redacted] Regarding Your Basic Checking 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 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. If an account becomes overdrawn, we assess a $37.00 overdraft fee for each item that posts while the account has a negative balance, or per item that is returned due to insufficient funds. These fees will post the following business day after an overdraft occurrence. On January 16, 2018, the beginning balance in your Basic Checking account was $688.37. On that day, seventeen items posted to the account totaling $767.65. Due to insufficient funds in the account to cover all items presented, three items were returned as unpaid on January 17, 2018, and the account was assessed three (3) returned item fees totaling $111.00. A copy of the Overdraft Notice dated January 17, 2018, is enclosed. On January 18, 2018, the beginning balance in your checking account was negative ($85.28). That day, two of the $35.00 payments were re-presented by the third party for payment. Due to insufficient funds in the account, the items were returned and the account was assessed two returned item fees totaling $74.00, the following day, January 19, 2018. A copy of the Overdraft Notice dated January 19, 2018, is enclosed. Debit card and Automated Teller Machine (ATM) transactions show as pending against your available balance during the day because they are pre-authorized time-stamped debits. Checks and some electronic payments, such as Automated Clearing House (ACH) payments, are collected at the end of the business day for overnight processing and will post to the statement for that day, the day the payments were authorized by you to paid and collected for payment from Fifth Third Bank. Because these items are processed overnight, they will not show as pending during the day. All transactions will post to your account during overnight processing in the following order and will be visible the next business day: ** Credits and deposits made prior to the end of day cut-off time, subject to our Funds Availability Policy ** Debit card and ATM transactions in the order they were authorized ** Checks and electronic payments in the order of highest to lowest amount ** Fees and service charges Each of the items that caused the account overdrafts described in this letter were ACH payments. Since ACH items are processed overnight, the items that overdrew the account did not appear when you used our Mobile App to access your account information on January 16, 2018. The payment processing information explained in this letter is disclosed in the Bank’s Deposit Account Rules and Regulations, a copy of which is enclosed. For more detailed information, please refer specifically to the section entitled Overdraft Calculations Order on page fourteen (14). The Bank offers several options for Overdraft Protection. If you are enrolled in Overdraft Protection, funds are automatically moved from another Fifth Third account that you own to your checking account in the event of an overdraft. Although there is an overdraft transfer fee of $12.00 per transfer, this is less than the fees that are assessed when your checking account becomes overdrawn without Overdraft Protection. For more information about Overdraft Protection, please visit your local Fifth Third Banking Center or contact our Customer Service Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., ET, Saturday 8:30 a.m. to 5 p.m., ET. You will also find additional information on our website at 53.com and in the enclosed copy of the Bank’s Deposit Account Rules and Regulations. It is the Bank’s policy not to reverse any overdraft fees except in the case of a Bank error. However, we have reversed $74.00 in overdraft fees over the past twelve (12) months as a courtesy to you. Therefore, additional courtesy overdraft fee reversals are not be warranted at this time. We regret if this causes you any inconvenience or frustration as that is certainly not our intention. You are a valued customer of the Bank 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, Adam P.Office of the President Enclosures (3): Overdraft Notices (2) Deposit Account Rules and Regulations

Regarding the attached correspondence from [redacted], since there is no additional to provide at this time, I will wait until the scheduled follow up date of June 17, 2016, before providing the customer with an additional response. If the account is reporting correctly at that time, the customer will not receive an additional response from us. If the reporting is still incorrect at that time, we will send another response to the customer informing him that the account is still not reporting correctly, and that another update has been submitted to the credit reporting agencies.Typically, as stated above, if the account is reporting correctly at that time, the customer will not receive an additional response from us. However, in the interest of customer service, I will be sure to contact the customer by phone on June 17, 2016, to discuss the reporting of the account at that time.Thanks,Adam P.Consumer Resolution SpecialistFifth Third Bank | Office of the President