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.  
I'm not seeing a new response here.
Regards,
[redacted]

[redacted] Date: January 14, 2016 Account [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the second (2nd) rebuttal you submitted to the Revdex.com regarding your installment loan. We appreciate the time you have taken to document your additional thoughts and concerns regarding this matter. As previously advised, we stand by the responses conveyed to you in our letters dated December 18, 2015, and January 6, 2016. Our position on this matter has not changed. As stated in our previous response, you will need to address any damage or missing item claims with [redacted] directly. After receiving your second (2nd) rebuttal we reached out to Michael K., the Claims Manager at [redacted] to bring to their attention your concerns. It is our understanding that you previously filed a claim with [redacted] that was denied. If you have any additional questions or concerns regarding the denial of your claim, please contact Mr. K. directly at ###-###-####. Please note that Fifth Third Bank is unable to assist you any further with this matter, or provide you with any compensation. 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, 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.   I felt deceived by the way the conditions for receiving the bonus were presented. Granted, the requirement to receive the bonus were spelled out in the fine print, but the requirement of maintaining a minimum balance was never brought to my attention when I met with a bank rep (although the minimum direct deposit was).   
Regards,
[redacted]

[redacted] Date: April 22, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com regarding your Fifth Third Bank installment loan. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this situation may have caused you. However, we stand by our previous response letter sent to the above address on April 13, 2016. I have enclosed a copy of our previous written response for your review. Our position on this matter has not changed. You are a valued customer and we hope you will allow us to service your financial needs in the future. If I may be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####. Sincerely, Lisa S.Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosure: letter dated April 13, 2016

[redacted] Date: September 12, 2017 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. I also appreciated...

the opportunity to speak with you regarding this account. We strive to provide quality service to all of our customers, and I apologize that we failed to meet your expectations. To close a checking account, it must be brought to a zero (0) balance. We cannot freeze an account to prevent further transactions. Should an outstanding payment post on the same business day you attempt to close the account with a zero (0) balance, the account may remain open and any posted or returned items may be subject to overdraft fees. As we discussed, your request to close this checking account was processed on September 1, 2017; however, a previously scheduled repeating online bill payment to Nissan for $246.16 posted that same day which kept the account open. On the following business day, the item was returned unpaid and the Overdraft Fee of $37.00 was waived to close the account at a zero (0) balance. 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

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]

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: November 2, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com concerning the monthly...

service charges on your Fifth Third Bank Essential Checking account. Please be assured that the Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any 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 concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We regret the frustration you felt after discovering fees had been charged to your Essential Checking account ending in [redacted]. According to our research, your checking account was changed from an e53 Checking account to an Essential Checking account on October 22, 2012. I have enclosed information about the Essential Checking account for your review. On an Essential Checking account, we waive the monthly service charge of $11.00 if any of the following is met: ? You maintain a combined monthly average of $1,500.00 across your checking and savings accounts ? OR you are a current or former member of the U.S. military with monthly direct deposits totaling $500.00 or more ? OR you participate in your employer’s Fifth Third Banking Benefits Program with monthly direct deposits totaling $500.00 or more ? OR you are a student with a valid student ID Otherwise, the service charge is $11.00 per month, unless your account receives monthly direct deposits totaling $500.00 or more, in which case we reduce the monthly service charge to $8.00 per month. Your account did not begin receiving the $11.00 monthly service fee until February 2015, due to your account balance staying above the $1,500.00 minimum until that time. Information regarding these changes was sent to you at the time your account was updated. In addition to the information given at the time of your account conversion, your monthly statements, which are viewable on 53.com, each state the reason for the waiver or charge of the monthly service fee. Although we regret any misunderstanding that may have occurred throughout this process, we cannot waive further maintenance fees on this account. In the time period prior to your account update, we encouraged you to choose the checking product that that would best meet your needs after a review of your accounts with one of our Bankers. At that time, the Bank serviced more than thirty (30) checking and savings account types. Each account had different features and rules that governed them. In order to simplify the management of the accounts and to provide more flexibility and a clearer understanding to all of our customers, we restructured our deposit products. We understand that many of our customers enjoyed the features of the older account types that we offered. However, based on our research, we believe that our now current products have met the needs not only of our existing customers, but have appealed to a broader base of consumers. [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 Starkey Office of the President Enclosure: Essential Checking Information

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

[redacted] Date: October 19, 2016 Regarding Your Complaint Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your experience at the [redacted]...

Banking Center. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for the frustration you experienced regarding this matter. We strive to provide courteous and professional service, and I apologize if that was not your experience. I would like to thank you for your feedback regarding your visit to the banking center. Customer feedback assists us to identify areas of improvement so we can continue to improve our customers’ experiences. I understand that you waited in the drive-thru lane at the [redacted] Banking Center on October 5, 2016, and you were not promptly assisted. Additionally, other vehicles that entered the drive-thru after you were assisted first (1st). I am very sorry for the inconvenience and dissatisfaction this situation caused. Unfortunately, the [redacted] Banking Center had only three (3) people working that day. One (1) employee was out of the office for lunch at the time of your visit and the other two (2) employees, including the financial center manager, were assisting other customers. I am very sorry that this caused a delay in service, and that it caused you to be assisted out of turn at the drive-thru lane. Our Customer Service Department employee named Ashley sent your concerns about the banking center that day to the regional manager in charge of the [redacted] area. I have also forwarded your additional concerns regarding the security guard to the regional manager in charge of the [redacted] area. The regional manager will take any necessary steps regarding the employees at the [redacted] Banking Center. However, we cannot inform you of specific internal corrective actions that may be taken to resolve this matter. 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: February 16, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received your complaints sent to the Revdex.com and the Consumer Financial Protection Bureau...

regarding your checking account. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. Please note that your Early Access probation will be lifted on February 26, 2016. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience 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 January 19, 2016. Our position on this matter has not changed. We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at [redacted], or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Brandy W. Office of the President Enclosure: Previous Response Letter Pc: Revdex.com [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.   There is $13,000.00 in dispute. The vendor only provided documentation for $35.00 worth of charges. Where is the balance of the documentation that I requested? The vendor is in violation of the provisions of the Fair Credit Billing Act by not investigating this matter and providing me with said documentation. If the vendor had any intentions of suing me for this amount, they would have done so by now. They know they are wrong, that is why they have not. I have adequate documentation to present if this matter ever goes to court requesting backup documentation again and again from the vendor with no results on their part.
Regards,
[redacted]

[redacted] Date: February 15, 2018 Account: [redacted] Regarding Your Basic Checking Account Dear [redacted]: We received a copy of the follow up 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 or frustration this matter may have caused you. However, the Bank stands by the response conveyed to you in our previous letter dated February 1, 2018. Our position on this matter has not changed. I have enclosed a copy of that letter for your convenience. 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: Previous Response

[redacted] Date: October 28, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the rebuttal filed with the Revdex.com concerning your installment loan. We appreciate the additional time you have taken to document your thoughts and concerns regarding this matter. On September 4, 2015, we received a payment in the amount of $12,491.72 that served as the full payoff of your installment loan. We have confirmed that your installment loan was paid off and closed on September 8, 2015. You should have received our notification letter confirming that your loan has been paid off and closed with a zero balance owed. On September 22, 2015, a check in the amount of $402.76 was mailed to you for the balance that remained after your installment loan was paid off due to an overpayment. Our records indicate that you cashed this check on September 29, 2015. According to your complaint, a second payment of $400.00 was made to your installment loan after the loan was paid off. Our Installment Loan Department reviewed your loan and could only locate the payment of $400.00 that posted to your loan on September 2, 2015. If a payment is received after a loan has been closed, the payment will be rejected and sent back to the issuing bank. We regret any frustration this may have caused you, but we will be unwilling to credit you for the additional $60.00 that you have requested. We appreciate the opportunity to further research this matter. We truly valued your business, 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 a.m. to 6 p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com

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

[redacted] Date: October 28, 2015 Accounts: [redacted] Regarding Your Platinum Credit Card Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your Platinum Credit Card. We appreciate the time you have taken to document your thoughts and concerns, and sympathize with the difficulties you have experienced. We completed our research for the Platinum Credit Card account ending in [redacted]. On June 17, 2015, you began the short-term hardship plan. This plan was detailed in the letter that was sent to the address listed above on June 17, 2015, which I have enclosed for your records and review. We understand your concerns about the collection calls you received. Our Collection Department begins making calls to customers when a payment is not received by the due date. They are a failsafe Fifth Third Bank has put in place to make our customers aware of past due payments in an effort to help them avoid late charges and negative credit bureau reporting. They are certainly not intended to cause you any hardship or frustration. We also completed a review of the payment history for the account. On June 26, 2015, we received your payment in the amount of $25.00. Also, on August 28, 2015, we received a payment in the amount of $20.00. I have enclosed copies of these statements for your review. The enrollment letter that was sent to you also details the importance of making your minimum monthly payment, and if a payment is missed for two (2) consecutive months, your account will be removed from the plan. Because we did not receive a payment for a sixty (60) day period, you were removed from this plan on August 26, 2015. Our review determined there was no Bank error in removing the account from the hardship plan. For your information, you will be eligible to request hardship assistance for the account in March 2016. I am sorry for any additional frustration this may cause you. When an account is enrolled in a hardship program, you agree to pay per the payment terms listed on the enrollment letter. In this case, the agreed minimum monthly payment due for the next twelve (12) billing cycles was $14.00. Because you were removed from the plan on August 26, 2015, the terms and conditions of the Fifth Third Card Agreement apply to the account, including the calculations for the minimum payment due. For your information, your next payment is due November 12, 2015, in the amount of $673.88. I have also enclosed a copy of the Fifth Third Card Agreement and this statement for your records and review. Please note we attempted to contact you regarding the payment due for your account at the phone number on file with the Bank, but were unable to reach you. However, our records indicate that you called the Bank on July 31, 2015, to inquire if a $20.00 payment would be acceptable on the account. I am sorry for any difficulties you may have experienced when you contacted the Bank. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com Enclosures: Statements, Enrollment Letter, Fifth Third Card Agreement

Please find attached a copy of the letter being sent to [redacted]. Thank you. [redacted]...

[redacted] Date: July 7, 2017 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint filed on your behalf by Ryan Jaynes with the Revdex.com. 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. The Bank is continually working to improve the collection of checks and the availability of funds for withdrawal. The Federal Government has established regulations regarding the handling of deposits. A “Business Day” is defined as Monday through Friday, excluding Federal Holidays or as otherwise posted in the Banking Center. For deposits made on Saturday, Sunday, or a Federal Holiday, the day of your deposit is the next Business Day. Funds received after certain cut-off times for certain channels and products may be credited as of the next Business Day. For your convenience, I have enclosed a copy of our Rules and Regulations booklet, which you would have received at the time that your account was opened. Page two (2) outlines our deposit terms, and pages nine (9) through twelve (12) outline our funds availability policy. Typically, a combined $100.00 from all deposited checks is available immediately on the day of your deposit. The remaining funds will be made available on the next business day. The availability of funds does not guarantee that the check has cleared the bank that it is drawn on, or that the check is authentic. All items for deposit, although provisionally credited, are subject to proof and collection. Until the proceeds are actually received by the Bank, or until such items become final under applicable law, the items can be returned and charged back to your account. You made a mobile deposit of $2,450.71 on Friday, June 16, 2017, and $100.00 of the deposit was available immediately. The deposited item was removed from the checking account on June 21, 2017, and a $15.00 Return Deposited Item Fee was assessed to the account. I confirmed that no overdraft fees were assessed to the account as a result of the returned deposit. As a courtesy to you, the $15.00 fee was reversed and credited back to the account on June 22, 2017. We certainly sympathize with the fact that you believed the item to be legitimate. However, the depositor is ultimately responsible for the items deposited into their account. It is certainly not our intention to cause you any hardship or frustration. Based upon our review, we find that the Bank has complied with all applicable laws and regulations; therefore, we will not be offering you any additional compensation. 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: Consumer Financial Protection Bureau Enclosures: Rules and Regulations booklet

[redacted] ** [redacted] Date: March 22, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com regarding your...

checking account. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On September 29, 2014, you applied for a Fifth Third Bank Essential checking account via our website at 53.com. The account was opened the same day. Fifth Third Bank is required to allow consumer checking account customers to decide if they would like the Bank to approve Automated Teller Machine (ATM) and one-time debit card transactions if there are insufficient funds. We refer to this as overdraft coverage. When you opened your account online that day, the website asked if you wanted to enroll in overdraft coverage. If a customer selects “yes,” then a disclosure is opened and the customer must click that they agree to the disclosure that explains overdraft coverage. You selected that you agreed to the disclosure; therefore, you were opted in to overdraft coverage. Enclosed is a copy of the overdraft coverage letter that we mailed to you on September 29, 2014, confirming your overdraft coverage selection. Enclosed for your review is a copy of our Rules and Regulations that were provided to you, which also discloses the information regarding overdraft coverage. Page thirteen (13) provides additional details about overdraft coverage. Our records reflect that you have been opted in to overdraft coverage since the time the account was open until February 26, 2016, at 6:46 p.m. Enclosed for your review is a copy of the letter we sent to you on February 26, 2016, to confirm that you opted out of overdraft coverage. The beginning balance in your checking account on February 22, 2016, was $429.52. You received a $28.76 deposit that day, which increased the balance to $458.28. Five (5) transactions totaling $588.16 posted to the account that day. There were insufficient funds to cover your Automated Clearing House (ACH) transaction to Ally of $537.07. We paid the transaction and assessed one (1) $37.00 overdraft fee the next business day. Transactions continued to post to your checking account while the balance was negative, which resulted in additional overdraft fees being charged to your account. Your account returned to a positive balance on February 26, 2016, when you received a $1,959.99 direct deposit. You mentioned that your car payment, which appears to be the $537.07 ACH transaction to Ally, was returned to Ally as unpaid. Please be advised this was not the case, and we paid the funds. A total of $518.00 in overdraft fees was assessed to your account from February 23, 2016, through February 26, 2016. You are a valued customer and in the interest of customer service, we waived $74.00 of the overdraft fees as a courtesy. We are unwilling to waive additional fees at this time. I regret any distress this may cause you. Please be advised that the option to opt in or out of overdraft coverage applies only to one-time debit card purchases and ATM transactions. Declining overdraft coverage does not prevent ACH transactions, check items, bill payments, or recurring debit card purchases from posting to the account, and the transactions may be assessed overdraft fees if they post when there are not enough funds available. If a customer is opted out of overdraft coverage and a one-time debit card purchase or ATM transaction is approved but then posts to the account while it has a negative balance, we will not assess overdraft fees for those transactions. The transaction to Ally was an ACH item and therefore would still have been approved if you had declined overdraft coverage, and the associated overdraft fee would have been charged. Your one-time debit card and ATM transactions that were approved before February 23, 2016, would not have been charged fees when they posted to the account. Additionally, any one-time debit card and ATM transactions attempted while the account was negative would have been declined. You mentioned that you were unable to find information about overdraft coverage on our website. Please be advised you can access information regarding overdraft coverage by logging into your accounts online at 53.com and clicking on the “Service Center” tab. On the next page within the second (2nd) blue box on the left side is a link that says “Overdraft Coverage Preferences.” By clicking that link, you can view the information about overdraft coverage as well as opt in or out of overdraft coverage. Enclosed is a copy of the Overdraft Coverage Disclosure available to you on that page. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna T. Office of the President Pc: Revdex.com Enclosure: Rules and Regulations, Overdraft Coverage Disclosure, Opt In Letter, Opt Out Letter, Overdraft Notices (6)

We received a copy of your complaint filed with the Revdex.com, concerning yourchecking account ending in [redacted]. We appreciate the time you have taken to express yourconcerns regarding this matter.On behalf of the Bank, I apologize for the difficulties you have experienced with your...

account. Itwas certainly not our intention to cause you any hardship or frustration.In 2010, Fifth Third Bank agreed to settle the overdraft class action suit known as Schulte, et al.v. Fifth Third Bank, Case No. 1:09-CV-06655, filed on October 21, 2009, in the United StatesDistrict Court for the Northern District of Illinois. According to the procedure established by theCourt, in order to receive a payment from the settlement, your claim form must have beensubmitted to the Claims Administrator prior to the deadline of May 2, 2011.Please understand that the Court did not decide in favor of either the Plaintiff or the Defendant.Instead, both sides agreed to settle this case to avoid the cost and risk of a trial. The settlementdoes not mean that any law was broken or that the Bank did anything wrong. The Bank denied alllegal claims in the case.On November 17, 2008, your checking account ending in [redacted] was opened with the Bank. OnJune 23, 2009, the account was closed and charged off for collection. If the Claims Administratordid not receive the required claim form from you prior to the deadline of May 2, 2011, you werenot eligible for a payment from the settlement related to your checking account.The account ending in [redacted] was sold to U[redacted] on June 16, 2010. Foradditional information pertaining to the charged off account, we recommend you contact [redacted] bythe following address:[redacted]
[redacted] [redacted]
[redacted]Please be aware that [redacted] may have sold the acquired debt to another collection agency, whichis why you may be receiving calls from [redacted]. If you’re contacted againby [redacted] or any collection agency, you may request validation of the debtin question and contact information in which the agency is calling you from.We hope this correspondence will help you understand Fifth Third Bank’s position going forward.If I could be of further assistance to you, please call me at [redacted], or toll free at [redacted]
[redacted] Monday through Friday, 8 a.m. to 6 p.m., ET.

[redacted] [redacted] [redacted] Date: June 29, 2016 Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted]: We received a copy of the complaint you 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. 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 who thoroughly researched this matter. 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. 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 day cut-off time as detailed in our Funds Availability Policy. 2. Time-stamped debits, such as 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 Debit card and ATM transactions are time-stamped debits and are pre-authorized at the time of use, and will show as 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 to be paid. I have enclosed a copy of our current Rules and Regulations for your review. Page (12) provides additional information regarding our overdraft calculation order. We recommend that customers keep a ledger to track all transactions, including checks they have written, so that they can know if there are items that have not posted and can plan accordingly. An overdraft occurs when you do not have sufficient funds in your account to cover a transaction. Fifth Third Bank checking accounts have the ability to enroll in our two overdraft related services, Overdraft Protection and Overdraft Coverage. Overdraft Coverage allows a customer to access funds beyond the balance in their account. Effective June 11, 2010 per federal regulations, customers have the ability to opt-in or opt-out of Overdraft Coverage for one-time debit card and ATM transactions. If a customer opts-out, the card will be automatically declined if there are insufficient funds. However, if a customer opts-in to Overdraft Coverage and allows their debit card to be approved beyond the balance in their account then overdraft fees may be assessed. Overdraft Coverage does not apply to checks, automated clearinghouse (ACH) payments. If a check or ACH 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. You have opted out of Overdraft Coverage. Please note, that opting out of Overdraft Coverage does not guarantee that the checking account will not be overdrawn, but it does guarantee that the checking account will not be assessed an overdraft fee for any ATM or debit card transactions that posts to the account while it has a negative balance. You may still be assessed overdraft fees for any checks or ACH payments presented against your account with an insufficient balance. On your most recent overdraft occurrence, the beginning balance in your Essential Checking account ending in [redacted] was positive $81.57. On June 15, 2016, two (2) debits totaling $118.06 posted to your checking account. These items posted to your account in the following order: 1. $20.06 Debit Card Purchase at [redacted]. 2. $98.00 [redacted] As a result of the above transactions, your ending balance on June 15, 2016, was negative ($36.49). Please find enclosed a copy of the overdraft notice mailed on June 16, 2016, to alert you to the negative balance. It should also be noted, your transaction posted according in the order described in paragraph three (3) of this letter. One (1) overdraft fee was assessed to your account due to the $98.00 transaction causing a negative ending balance in your checking account, and scheduled to post the following business day. On June 16, 2016, two (2) debits posted to your checking account totaling $325.94. The transactions posted in the following order: 1. $288.94 Day 45 Transfer to Early Access 2. $37.00 overdraft fee Fifth Third Early Access is a line of credit used to assist our customers with short-term financial emergencies or unexpected financial needs. Upon agreeing to add this service to your checking account, you were provided a copy of the Early Access Terms and Conditions. I have enclosed a copy of the Terms and Conditions for your records and convenience. On May 2, 2016, you initiated an $886.00 advance from your Early Access Account. Per the terms of the Early Access Conditions, if you have not paid the full amount of your advance back within forty-five (45) days, the associated checking account will be debited for the outstanding balance. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides additional information related to the overdraft fees that were assessed to your account, and ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage options is also provided on the enclosed document. Please feel free to contact me at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. Thank you for your patience while we researched this matter for you. You are a valued customer, and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please 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: Rules and Regulations, Overdraft Solutions Document, Early Access Terms and Conditions.