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 want to know what I should do to take this up. Fifth third bank is out to take money from their customers. I want to put an end to this mess. They are close to a scam. Please let me know my options.
Regards,
[redacted]

[redacted] Date: April 8, 2016 Account: [redacted] Regarding Your Fifth Third Bank Platinum [redacted] Dear [redacted]: We received your follow up complaint filed with the Revdex.com, concerning your credit card payments. We appreciate the time you have taken to express your concerns regarding this matter. We received your original complaint filed with the Revdex.com on March 10, 2016. We received your follow up complaint on April 4, 2016. However, we stand by the response conveyed to you in the previous letter sent on March 25, 2016. 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, you failed to make your minimum payment for two (2) consecutive statement cycles, and on December 22, 2015, the Bank revoked the use of your credit card transactions. Because your account has been revoked, you are not able to make automated payments online, or through our Auto BillPayer system. However, if you are interested in setting up automatic payments from your checking account, you can schedule up to four (4) payments with our collection department. The collection department phone number is ###-###-####. A customer service representative is available, Monday through Friday, 8 a.m. to 9 p.m.; Saturday and Sunday, 8 a.m. to 5 p.m., ET. 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 ###-###-####, 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: Prior Response

[redacted] Date: February 15, 2017 Regarding Your Stolen Checks Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your utility checks that were stolen and processed with Fifth Third Bank. We appreciate the time you have taken to express your continued thoughts and concerns. On behalf of the Bank, I apologize for the difficulties and distress this situation has caused you. However, we stand by our previous correspondence dated February 6, 2017. Please contact [redacted] and complete a fraud affidavit in order to have them cease collection efforts. For your reference, I have enclosed a copy of our previous correspondence. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Previous Correspondence

To Whom this May Concern:This is in support of my complaint. This was the first correspondence I received from Fifth Thrid Bank. Lucas Hill was to initiate a mortgage application within the week of sending this email. It has been in review for almost 5 months. We are supposed to close on our loan...

this Wednesday but it didn't come without a painstaking process and an extra 4 months of paying our high rate lot loan. We are not happy with this bank. We are not happy with the lack of professionalism during the process. Unfortunately we have to deal with them for the next 9 months or so while our house is under construction. I'm hoping they get their act together so that the next step isn't such a daunting one.[redacted]re:Complaint ID: [redacted]----- Forwarded Message -----From: "Hill, L." <[redacted]>To: "[redacted]" <[redacted]> Sent: Wednesday, March 22, 2017 4:23 PMSubject: Fifth Third Mortgage- Construction LoanHi [redacted], It was great speaking with you today.    I forgot to ask you how much you intend to borrow?    We can lend 90% up to $424,000 and then 80% if over $424,000.   You are able to use the equity in the land you just purchased toward the down payment.    We would need to pay off the loan on the lot and roll it into our new construction loan.   Cost of Lot = $215,000Estimated Cost to build home = $350,000Total Value = $565,000.  80% of $565,000 = $452,000 max loan amount based on above estimated cost to build.   The 30yr Jumbo Fixed rate today is:  4.375% for a 9mth build.  The 15yr Jumbo Fixed rate today is 3.625% for a 9mth build.    This is for loan amounts above $424,000.    If loan amount is below $424,000, the 30yr Fixed Rate would be 4.25% and the 15yr Fixed rate would be 3.50% for a 9mth build.   Fifth Third has a 1 time close, so even if rates go to 5% while your home is being built you will still keep the rate we close at.   There is no cost for an extended rate lock and there is no rate modification when home is completed.    During the build you will make interest only payments based on the amount advanced to builder at the note interest rate.   I have attached my Construction Loan Flyer along with a checklist of items we will need.    Don’t worry about the application fee, I will waive it for  you.   Please let me know if you have any questions. Thank you!!   Lucas H.Vice PresidentArea Sales Manager – [redacted]Fifth Third BankPh: ###-###-####  | Fax: ###-###-#### [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.   
 I am  responding to the email that was sent from the Revdex.com website.  The company has not addressed this issue we sat there for almost an hour and a half speaking with the branch manager Joe who said he couldn't do anything his hands were tied and that the only thing that he could do was make a call to waive a couple $33 fees but that was all he could do for us.  We have had their accounts for a while now and we would assume that there would be some way that they would be able to help us but the way he made it was open up a new account before your account goes on ChexSystems that's only thing that I can tell you  he did say that you would deny any claims as if this came back I just don't understand how a branch like fifth third would not want to help somebody who's willing to pay the fees we paid over or close to $2000 in fees within a couple months and there was nothing that he could do for us.  When this originally started we ended up going in there and he was in a meeting doing an interview he said that he would call us by five he never called us. We waited a couple days thinking that maybe he would get back to us he never did after a week and two days past we decided to go with ourselves and resolve this issue but nothing got resolved due to Joe saying that he couldn't help us nor could he make any calls the only thing he could do was wave one or two fees due to the new changes in there system. Regards,
[redacted]

[redacted] Date: March 13, 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 regarding...

your final payment for your installment loan. We appreciate the time you have taken to bring this matter to our attention. 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 our senior and executive management teams review customer concerns as part of our ongoing commitment to improving customers’ satisfaction. On February 27, 2017, the Bank received and processed your installment loan payment of $3,165.71. This payment was returned to the Bank on March 3, 2017, by [redacted]. The payment was returned due to an incorrect checking account number being used to make the payment. The checking account number used for this transaction ended in [redacted]. On March 6, 2017, the Bank received and processed your payment of $3,165.71. This payment was made from your account ending in [redacted] at [redacted]. We have confirmed the payment was backdated to February 27, 2017, and you were not assessed any finance charges between February 27, 2017 and March 6, 2017. Please find enclosed a copy of the paid in full letter mailed to you on March 6, 2017. Please note that all titles are processed within five (5) business days from the paid date. This does not include mailing time. The lien is released within five (5) to ten (10) business days from the closed date of the installment loan. If you have not received the lien release by the time you receive this letter, please contact me at the telephone number below and I will have a second document sent to you via overnight mail. 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, Patrick S. Office of the President PC: Revdex.com Enclosure: Paid in Full Letter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11827850, and find that this resolution is satisfactory to me.  The company has fixed the error and everything has been adjusted to the correct balance. thank you very much
Regards,
[redacted]

[redacted] Date: March 22, 2016 Regarding Your Husband’s Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, husband’s installment loan account. We...

appreciate the time you have taken to document your thoughts and concerns regarding this matter. Since you are not a signer on your husband’s account, we are unable to share any details concerning his account with you. Security measures such as these are put in place to protect account holders from potential fraud and I apologize for any inconvenience this may cause you. Please be aware that we responded to your letter in detail and mailed a response to your husband. [redacted], we appreciate your patience while we researched this matter. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Danielle S. Office of the President Pc: Revdex.com

Please find attached our response to the additional rebuttal filed by [redacted]. Thank you. 5050 Kingsley DriveMD 1MOCOPCincinnati OH 45263[redacted]Date: August 19, 2016Account: [redacted]Regarding Your Installment LoanDear [redacted]:We received a copy of your additional rebuttal filed with the Revdex.com regarding your vehicle loan. We appreciate the opportunity to research your concerns.As advised in our previous response, according to our insurance center, your comprehensive insurance coverage was cancelled on December 16, 2015. A new policy was written on March 30, 2016, that included comprehensive coverage. However, the effective date for this policy was May 24, 2016. Subsequently, the Bank purchased insurance coverage, on your behalf, that was in effect from December 16, 2015, until May 24, 2016.In your most recent rebuttal, you requested that we contact your [redacted] Insurance agent, Jill Hawkins, directly regarding your insurance policy. I called [redacted] on August 16, 2016, per your request. Your insurance agent reviewed your file and verbally confirmed that you did not have comprehensive coverage from December 16, 2015, until May 24, 2016. The information provided by your insurance agent is the same information that our insurance center received from [redacted]. Therefore, the insurance policy that was purchased by the Bank was necessary and you are not entitled to a refund for the forced placed insurance purchased.Thank you for your patience while waiting for our additional response. 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., ET.Sincerely,[redacted]Office of the PresidentPc: Revdex.com

[redacted],I regret that the customer is dissatisfied with our responses, but we fully researched this issue and have already responded to her twice.She did not provide any additional information in this most recent rebuttal. We consider this issue closed.Thank you,Lisa S.| Fifth Third Bank Consumer Resolution Specialist| Office of the President5050 Kingsley Dr, MD 1MOCOP, Cincinnati, OH 45263P: ###-###-#### F: ###-###-#### email: [redacted] Please note any correspondence/emails received will be included as part of the customer’s complaint file.**

[redacted] Attn: [redacted] Date: June 23, 2016 Account: [redacted] Regarding Your Recent Deposit Hold Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com...

regarding your ATM (Automated Teller Machine) deposit and the subsequent hold placed on the funds. 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 sincere apologies for any inconvenience or frustration this matter may have caused you. It was certainly not our intention to cause you any hardship. I 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. We are continually working to ensure the funds from your deposits are available in a timely manner, while meeting all Federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately; the remaining funds will be made available on the next business day. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday, or a Federal holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal holidays. ATM deposits received after the cut-off time of 7:00 PM EST (Eastern Standard Time) will be treated as deposited on the next business day. In some instances, we reserve the right to place a hold of a longer period of time on a deposit. The full amount of the deposit will not become available until the hold has ended. Availability of the funds will generally be no later than the seventh (7th) business day after the day of your deposit. For your convenience, I have enclosed a copy of our current Rules and Regulations. Please refer to pages eighteen (18) and nineteen (19), which provide additional information regarding funds availability policy. You deposited a check into your checking account ending in [redacted] for $1,352.00 at a Fifth Third Bank ATM on June 15, 2016. A hold was placed on this deposit due to repeated overdrafts on this account. Because your deposit was not made in person, we were unable to notify you at the time of the deposit that there would be an extended hold on the funds. The hold was placed systematically based on the information received at the time of deposit. For this reason, we mailed a notice to you at the address listed above on June 16, 2016, that notified you of the hold that we placed. The notice explained that $1,352.00 would be on hold and would become available to you on June 24, 2016. I have enclosed a copy of the hold notice for your convenience. I apologize for any misunderstanding that may have occurred with this matter. Please be assured, I have verified that as of June 23, 2016, no fees have been received on your checking account associated with this transaction. [redacted], I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. If I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-#### Monday through Friday, 8 a.m. to 6 p.m., ET Sincerely, Sarah S.Office of the President Enclosures (2): Rules & Regulations Important Information about Your Recent Deposit Letter

[redacted] Date: November 14, 2017 Account: [redacted] Regarding Your Recent Correspondence Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com (Revdex.com). 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 sincere apologies for any frustration this matter may have caused you. I deeply regret our inability to discuss this matter when I attempted to reach you on October 30, 2017. Please be assured that we have thoroughly reviewed the installment loan account in question. Our research has determined that on August 26, 2017, we received applications on your behalf for two (2) auto loans at the [redacted] dealership. We have included copies of the Installment Loan Contract for the approved loan ending in [redacted], as well as the adverse action notice that was sent to you on September 1, 2017, for the loan application that was declined. Fifth Third Bank takes protecting financial and personal information very seriously. Due to your statement that these applications occurred fraudulently, we have verified that case number [redacted] has been opened with our Bank Protection Department. While we strive to resolve all investigations as quickly as possible, please allow up to sixty (60) days for the investigation to be completed. Final written confirmation will be sent to you upon completion of this investigation. To check the status of this case, please reach out to our Bank Protection Department directly at ###-###-####, Monday through Friday, 8 a.m. to 8 p.m., ET. [redacted], 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 ###-###-####, 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: Installment Loan Contract [redacted] Installment Loan Adverse Action Notice

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]
Their original response clearly shows that $44.00 was being accepted into the account from [redacted].  If they would like I will have [redacted] provide the account they were sending the money to. They have a record but do not think I do, this is bordering on fraud if not fraud. I am waiting for [redacted] to send documentation which I will also share with my attorney.

[redacted] Date: July 11, 2017 Account: [redacted] Regarding the Promotional Cash Bonus Offer Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding the promotional...

cash bonus offer that was available at the time you opened your Fifth Third Bank Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. After thoroughly reviewing your account, we determined that you met all criteria for the $200.00 promotional cash bonus offer that was available at the time you opened your checking account ending in [redacted] on March 16, 2017. Therefore, we credited the $200.00 cash bonus to your checking account on July 7, 2017. I truly hope this letter meets your satisfaction and resolves your needs. 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 Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted]Date: August 26, 2015Account:       [redacted]Regarding Your Installment Loan PaymentDear [redacted]:We received a copy of your complaint submitted to the Revdex.com concerning how your...

payment has been applied on your installment loan. 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 sincere apologies for any frustration this matter may have caused you. We have thoroughly researched the issue surrounding your last two payments posting incorrectly with $305.62 processing as the regular payment, and $94.38 processing as a curtailment. In addition to the matter most at hand, we regret any confusion this verbiage has caused. To provide clarification, a curtailment is a payment above and beyond the regular monthly payment that can also be referred to as a principal only payment. Additionally, I want you to know that customer feedback such as yours is reviewed with our senior and executive management as part of our ongoing commitment to improving our operations.Our research regarding your payments determined that the regular payment portion set in the reoccurring transfer appear to have inadvertently been set as $305.62 rather than the $385.66 it was likely intended to be. Upon review of your scheduled transfers, it appears that this has been cancelled going forward. If you choose to reschedule the automatic transfer for $400.00, please be sure to double check the amount set for the regular payment portion to avoid future issues of this sort.You may also want to consider enrolling in Auto BillPayer as a convenient alternative to either mailing in or transferring your monthly payment via 53.com. Auto BillPayer will automatically transfer your monthly payment from your Fifth Third Bank checking account to your installment loan at no additional charge. Auto BillPayer makes your total installment loan payment on time each month, preventing the added cost of a late charge. If you are interested in enrolling in Auto BillPayer, please contact Auto BillPayer toll free at ###-###-####, Monday through Friday, 8 a.m. to 5 p.m., ET.I want to assure you that we have verified no late marks were showing on your credit report by performing soft pulls to all three of the major credit bureaus. If you have any issues regarding this matter, please feel free to reach out to me directly.[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 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

[redacted]Date: June 23, 2015 Account: [redacted]Regarding Your 5/3 Checking AccountDear [redacted]:We received a copy of the complaint you filed with the Revdex.com regarding your 5/3 Checking account. We appreciate the time you...

have taken to document your thoughts and concerns.On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction.If a checking account becomes overdrawn, we assess an overdraft fee for each item that posts or attempts to post while the account is overdrawn. For the first occurrence, you will be charged $25.00 per item. For any other occurrence, the cost is $37.00 per item. This information is detailed in the Rules and Regulations that are provided to all customers at account opening; please refer to page three (3) for information on overdraft/return item fees and page eleven (11), section thirteen (13), for detailed information about account overdrafts. I have enclosed a copy of this document for your records and review. Additionally, we send an overdraft notice that details how you overdrew your account to the address on file and it is also available on 53.com. We have thoroughly reviewed the account ending in [redacted], and found the following:On December 21, 2012, your account had a balance of $37.91.On December 24, 2012, the following five (5) transactions posted to your account:$4.92 at [redacted]$5.75 at [redacted]$6.50 at [redacted]$8.00 at [redacted]$16.35 at [redacted]These purchases totaled $41.52, leaving the account balance at ($3.61). Because the account was overdrawn by less than $5.00, there was no overdraft fee assessed to the account.On December 31, 2012, a web-initiated payment at [redacted] in the amount of $2.49 was paid from the account. The account was assessed a $37.00 overdraft fee because of this transaction, making the account balance ($43.10).On January 4, 2013, a web-initiated payment at [redacted] in the amount of $4.59 attempted to post to your account, but was returned due to the account being overdrawn. Because this item was returned, your account was assessed a $37.00 return item fee, making the account balance ($79.88).On January 11, 2013, a web-initiated payment at [redacted] in the amount of $4.59 attempted to post to your account, but was returned due to the account being overdrawn. Because this item was returned, your account was assessed a $37.00 return item fee, making the account balance ($116.88).On February 20, 2013, your account was assessed a $30.00 charged off account fee and the negative balance of your account was charged off in the amount of $146.88.On December 16, 2013, your account was sold for further collection proceedings to [redacted]. If you would like to discuss payment arrangements, please contact them at ###-###-####.For your reference, I have enclosed copies of the overdraft notices as well as statements that were mailed to the address above for your records and review. If after reviewing the account statements, you believe that these specific transactions posted fraudulently and would like to file a dispute for those items, please contact the collection agency you indicated as the current owner of the debt, [redacted], at ###-###-####. We were able to confirm with [redacted] that a dispute could be filed for unauthorized transactions, and a representative would be happy to further assist you. Please note that you will dispute the transaction(s) with [redacted], and the relevant overdraft fees would be returned to the responsible party in the event the disputed transaction is found in your favor. Please note, we made an attempt to buy this debt back from the collection agency, but were unable to because the debt was no longer with [redacted]. Additionally, when a checking account is charged off the Bank reports the account to [redacted]. In the interest of resolving this matter, the Bank has removed your negative [redacted] reporting. Please allow up to thirty (30) days for this information to be reflected on your [redacted] report. We apologize for any inconvenience you experienced when a manager was not available and your requests for phone calls were not returned.Thank you for your patience while we researched this matter. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.[redacted]Office of the PresidentPc: Revdex.comEnclosures: Rules and Regulation, Statements, Overdraft Notices

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and I do not wish to pursue this complaint further.  I am still extremely unhappy with the way this situation was handled by the bank, however it is clear based on their responses that they are unwilling to resolve this dispute to my satisfaction.
Regards,
[redacted]

[redacted] Date: July 10, 2015 Account: [redacted] Regarding Your Revdex.com Complaint Dear [redacted]: Thank you for your follow-up correspondence to the Bank concerning your recent attempts to withdraw cash from an Automated Teller Machine (ATM). We appreciate the time you have taken to express further your concerns regarding this matter. On April 11, 2015, you contacted Fifth Third Bank and filed disputes for two ATM transactions. We began an investigation and on April 13, 2015, your checking account was given provisional credit, which totaled $80.00 while we researched your disputes. The provisional credit was available for use in your account while we conducted our investigation. As mentioned in our previous responses, our research determined that the balancing records of the related ATM terminal did not support the conclusion that the funds were not dispensed. The ATM in question balanced between April 10, 2015 and May 10, 2015. Due to this reason, the Bank denied your disputes and reversed the provisional credit of $80.00 from your checking account on May 19, 2015. In the interest of customer service, and to provide you a more favorable resolution, the Bank has adjusted our position on this matter. On July 10, 2015, a credit adjustment for $80.00 was processed into your checking account. 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 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 Enclosures: Prior Responses

[redacted] Date: May 9, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding...

your checking account. We appreciate the time you have taken to express your concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Enclosed for your review is a copy of the Rules and Regulations applicable to your account. Pages eleven (11) through thirteen (13) explain how Fifth Third Bank processes transactions and overdrafts. Per the Rules and Regulations, transactions are processed in the following order: ** Add in credits and deposits per our Funds Availability Policy ** Deduct time stamped debits, such as Automated Teller Machine (ATM) withdrawals and debit card transactions, in the order they were authorized ** Deduct batch debits during overnight processing, such as checks, Automated Clearing House (ACH) items, and bill payments, in order of the largest amount to the smallest amount ** Deduct Bank fees and service charges The Rules and Regulations provide additional examples of the transaction types. The beginning balance in your checking account on May 2, 2017, was $260.04. Two (2) transactions totaling $356.04 posted to your account that day. Both transactions were bill payments, which are batch debits. Therefore, they were processed from the largest dollar amount to the smallest dollar amount per the Rules and Regulations. As a result, one (1) $37.00 overdraft fee for the $96.82 item posted to the account the next business day. The ending balance in your checking account on May 2, 2017, was negative ($96.00). On May 3, 2017, an $83.00 bill payment posted to your account in addition to the $37.00 overdraft fee from the previous day. The ending balance in your checking account on May 3, 2017, was negative ($216.00). We assessed a $37.00 overdraft fee the next business day. I confirmed that the transactions processed to your account in accordance with the Rules and Regulations. You mentioned that you did not sign up for Overdraft Protection. I verified that you do not have Overdraft Protection for your checking account. Overdraft Protection is a service offered by the Bank that links a checking, savings, credit card, or eligible loan to your checking account. In the event of an overdraft, the Bank will automatically transfer funds from the linked account to cover the end of day negative balance. There is a $12.00 fee per transfer. You must have sufficient funds in your Linked Account to cover the overdraft item(s) plus the $12.00 transfer fee. If you do not have sufficient funds, payments may be returned as a result. If there are insufficient funds available in your Linked Account to cover the full negative balance plus the $12.00 Overdraft Protection transfer fee, we will attempt to transfer enough to cover at least one (1) item plus the Overdraft Protection transfer fee amount - starting with the last debit considered in the Overdraft Calculation Order. Pages three (3) and fourteen (14) of the Rules and Regulations provide additional information about Overdraft Protection. What you are referencing that would prevent overdraft situations is Overdraft Coverage, which applies to one-time debit card transactions only. I verified that you are opted out of Overdraft Coverage. Overdraft Coverage allows a one-time debit card and/or ATM transaction to cause the account to become overdrawn if there are not enough funds available at the time of the transaction. Because you are opted out of Overdraft Coverage, the Bank will decline an ATM or one-time debit card transaction if there are insufficient funds at the time of the transaction. As a result, no fee will be assessed. Please be aware that declining Overdraft Coverage does not prevent batch debit items, such as ACH transactions, checks, and bill payments, from posting to your account. Opting out of Overdraft Coverage also does not apply to recurring debit card transactions. Additional information regarding Overdraft Coverage is listed on page thirteen (13) of the Rules and Regulations. We previously reversed one (1) $25.00 overdraft fee from the account on January 11, 2017, as a courtesy. In the interest of customer service, we waived an additional $37.00 overdraft fee on May 4, 2017. We are unable to waive additional overdraft fees at this time. I am sorry for any distress this may cause you. Of the two (2) $37.00 overdraft fees that were recently assessed, you have only paid for one (1) due to the additional fee waiver. You mentioned that you transferred money to the account to cover the transactions. A transfer or deposit to the account cannot prevent an already assessed overdraft fee if it is not completed by the cut-off time on the same business day by the transaction was presented for payment resulting in the overdraft. I confirmed that you transferred $100.00 to the checking account on May 4, 2017, the day after the account was overdrawn. The beginning balance in your account that day was negative ($216.00). The transfer increased the balance to negative ($116.00). The $37.00 overdraft fee from May 3, 2017, also posted that day, which decreased the balance to negative ($153.00). However, due to the $37.00 fee waiver, the balance increased back to negative ($116.00). As of May 4, 2017, the balance in your checking account is negative ($116.00). I attempted to contact you two (2) times on May 5, 2017, using the phone number you provided to the Revdex.com so that we could go over the account. Unfortunately, I received a message each time that stated the call could not be completed. If you would like to connect your savings account to the checking account for Overdraft Protection, please contact our Customer Service Department at ###-###-####. Customer service is available to assist you Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Rules and Regulations, Overdraft Notices (2)

[redacted]Date: July 29, 2015 Account: [redacted]Regarding Your Fifth Third Equity LoanDear [redacted]:We received a copy of your complaint filed with the Revdex.com; regarding the level of service, you received from our Consumer Contact...

Center when attempting to refinance your equity loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter.It was certainly not our intention to cause you any undue hardship and we sympathize with the difficulties you encountered. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused 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.I understand your frustration when this situation occurred. However, our Consumer Contact Center strives to provide professional and accurate service during every telephone call they receive throughout the day. Unfortunately, you did not experience this type of service.Upon receiving your complaint, I contacted our Retail Direct Sales team with your loan information. An agent will contact you to discuss loan options that will enable you to possibly lower your monthly payment.Thank you for your feedback as it assists us in identifying problems and to continuously improve the level of service we provide to our customers. 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 PresidentPc: Revdex.com