PROCORPSA

Below is our response to the customer. Additional statement will be mailed with our response and attachments since only able to attach three additional items to the response. Thank you. [redacted] [redacted] [redacted] Date: January 28,...

2016 Account: [redacted] Regarding the Closure of Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding the closure of your checking account. We appreciate the time you have taken to share your thoughts and concerns regarding this matter. Please be assured that Fifth Third Bank strives to meet our customers’ financial needs while balancing a commitment to responsible banking practices. According to your complaint, you requested to have the checking account that you shared with your daughter, [redacted], closed the same day that you closed the joint savings account. We regret if you were told that both parties needed to be present to close the checking account. The checking account could have been closed as long as no additional transactions were outstanding at the time. We may have requested that you contact your daughter to confirm that all items had cleared the account. We would have been unable to remove your name from the checking account, however. In order to have a name removed from a depository account, the account would have to be closed. I regret if you were told otherwise. According to our records, our Bank Protection Department opened a case to investigate the activity on the checking account. It was discovered that multiple counterfeit checks were deposited into the joint checking account during September 2015. The deposits were made at an Automatic Teller Machine (ATM). After the deposits were made, funds were withdrawn from the account at the same ATM, which created an overdraft balance. I have enclosed copies of the related checking account statements and overdraft notices for your review. Our records indicate that we continued to send the statements and notices in both names to the address listed above. The checking account remained overdrawn and on October 14, 2015, the account was charged off for $910.33 and send to [redacted] for further collection proceedings. For additional information regarding the account, you may contact [redacted] at ###-###-####. If [redacted] [redacted] is willing to accept a payment as a final settlement for the account, you may contact [redacted] regarding the status of your account, on the Internet at www.consumerdebit.com, via telephone at ###-###-#### or by mail at: [redacted], Consumer Relations, and [redacted] 
[redacted]. Fifth Third Bank, Member FDIC. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp I regret any inconvenience you may have experienced as a result of the charge off of this account. Please be assured that we have fully researched your concerns and we believe that this matter was handled both appropriately and professionally in accordance with the Bank’s policies and procedures. If I may 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, Lisa S. Office of the President Pc: Revdex.com Enclosures: Checking account statements, overdraft notices

Please see below and attached. Thank you. [redacted] [redacted] [redacted] Date: April 26, 2018 Regarding Your Complaint Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com...

(Revdex.com) regarding your recent experience when contacting the Bank. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We sympathize with the difficulties you have experienced, and want you know that we truly appreciate your service to this country. On behalf of the Bank, please accept my sincere apologies for the level of service you received when you recently contacted the Bank to update your mailing address. Please be assured that Fifth Third Bank takes these matters very seriously, and we strive to provide an exceptional experience to our customers. 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 our customers’ satisfaction. After receiving your complaint, I attempted to contact you to further discuss your concerns, but I was unable to reach you. However, based on your complaint, I listened to the recordings of your calls to the Bank, and I forwarded your concerns to the relevant parties within the Bank. However, I cannot inform you of any specific internal actions that may have been taken. The Bank is required to have a permanent physical address for all customers. This policy is in place help protect the customer and the Bank from possible loss or fraud. It is certainly not intended to cause you any our customers any hardship. Although we are required to have a permanent physical address for all customers, a customer does not have to receive mail at the permanent address. A P.O. Box can be used as a mailing address. I am sorry if there was any misunderstanding when you called the Bank on April 7, 2018. If you would like to make any changes to your mailing address in the future, please contact customer service at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. Thank you for your patience while waiting for a response. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: 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.  The previous letter clearly stated 5th3rd COULD NOT reverse any more charges, however they did. This letter states that they can not reverse anymore of the $802 "At this time". OK well how about tomorrow can you reverse it then? I believe I am being discriminated against because of my socioeconomic status.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and would like to respond to the response from Shawna at Firth Third Bank. The note that was included with the 3 checks was of loose leaf size paper and all 3 checks were wrapped inside of the note so to say no one bothered to take the note out of the envelope is really covering up for a more serious problem within that department. They had to take the paper note out of the envelope and unwrap it in order to see all 3 checks. Also, my bank corrected the problem after I called them and made them aware. The duplicate payment clearly showed on my checking account statement and that is how I was made aware of the error. Fortunately, I did not send out checks to pay bills during this time or there would have been bounced checks. Again, Fifth Third needs to own it and not make excuses. 
Regards,
[redacted]

[redacted] Date: August 31, 2016 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding your...

mortgage loan. 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 any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. On July 9, 2014, you applied for a mortgage loan utilizing your property at [redacted] as collateral. Your mortgage refinance was approved, with your first payment scheduled for October 1, 2014. The parcel number for this property is [redacted]. Our research has confirmed that the Bank has paid your property taxes, with the most recent payment being made to [redacted] County on July 8, 2016. The next tax payment is scheduled for March 1, 2017. In your complaint you state the parcel number associated with the delinquent property taxes is [redacted]. Please note, our research was unable to locate a mortgage loan and/or an escrow account for the property located at [redacted], in [redacted]. Therefore, the Bank is unwilling to reimburse you for property taxes and penalties associated with this property. 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, Patrick S.Office of the President PC: Revdex.com

We feel as though we have properly responded to the customer’s concerns. If the customer would like speak with someone at the Bank regarding this matter, we are certainly happy to speak with her. She can call me directly at the number provided in my previous responses to her (see below). We do regret the negative experience the customer has had with Fifth Third Bank’s Mortgage Department; however, we do not have any additional information to provide.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

[redacted] Date: March 28, 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 time you took to speak with me. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused you. As we discussed, a replacement card for the credit card account ending in [redacted] was ordered and sent to you by overnight mail. The card retained by the Automated Teller Machine (ATM) has been destroyed. The fee for the rush replacement card was waived to provide a positive resolution to this situation for you. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

Our response dated February 12, 2016, was the final response to Revdex.com Complaint ID #[redacted]. We've already addressed all of the concerns in the previous responses.Thank you,[redacted]Fifth Third Bank | Office of the President

[redacted] Date: August 8, 2016 Account: [redacted] Regarding Your Recent Visit at the [redacted] Banking Center Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com...

regarding your recent visit to the [redacted] Banking Center in [redacted], [redacted]. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning and I regret the difficulties you experienced. I have shared the information you brought to our attention with the management of the [redacted] Banking Center. We appreciate your feedback as it assists us in identifying problems and helps continuously improve the level of service we provide to our customers. However, I cannot inform you of specific internal correction actions that may be taken to resolve this matter. On July 26, 2016, you visited the [redacted] Banking Center and met with Kevin F., Personal Banker. During this visit, Mr. F. assisted you with the following transactions: ** Closed your Access 360 account ending in [redacted] because you never received your permanent account with your name on the card. A replacement card was issued, the replacement account number ends in [redacted]. ** Ordered a replacement debit card, because your account had been compromised. It should be noted, Mr. F. did close this account; however, you contacted our customer service department and requested the account to be re-opened the same day. ** Closed your checking account ending in [redacted]. ** Removed Overdraft Coverage from your checking account that ends in [redacted]. ** Opened a Goal Setter Savings Account. The account is open and ends in [redacted]. On July 27, 2016, you contacted the [redacted] Banking Center and met with Kamran M., Financial Center Manager. You indicated that you had requested the wrong checking account to be closed on July 26, 2016. Mr. M. was able to assist you in closing your checking account ending in [redacted], and to re-open your checking account ending in [redacted]. Mr. M. also contacted our Retail Operations department to ensure this transaction was processed and that your direct deposit would still post to the checking account ending in [redacted]. Our research determined that you received two (2) direct deposits on July 29, 2016, in your checking account ending in [redacted]. Our research was unable to determine any loss associated with your two (2) checking accounts. Please use this letter as verification that your checking account ending in [redacted] is closed, and the checking account ending in [redacted] remains open. We have also confirmed your debit card ending in [redacted] is connected to your checking account ending in [redacted] and your Goal Setter Savings account ending in [redacted]. Please note, Automated Teller Machine (ATM) withdrawals are not permitted with the Goal Setter Savings account; however, you are able to make ATM deposits into the Goal Setter Savings account. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. It was certainly not our intention to cause you any hardship or frustration. 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

[redacted]. Attn: [redacted] Date: March 28, 2016 Account: [redacted] Regarding Your Fifth Third Bank Business Standard 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. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. 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 received. 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. I have enclosed a copy of our current Rules and Regulations for your review. Page twelve (12) provides additional information regarding our overdraft calculation order. On January 8, 2016, the beginning balance in your Business Standard checking account ending in [redacted] was positive $2,271.16. Four (4) debits totaling $2,562.69 posted to your account. Based upon the transaction posting order explained above, these items were posted to your account in the following order: 1. Web Initiated payment of $700.00 (Paid) 2. Debit card purchase of $7.79 (Paid) 3. Debit card purchase of $4.90 (Paid) 4. Check number 20011 in the amount of $1,850.00 (Paid) Additionally, Page eighteen (18) of our current Rules and Regulations provides information regarding our Funds Availability Policy for business accounts. Up to $200 of the total of your check deposits for the day made in any manner (including branch, ATM, etc.) will be available to you on the first business day after the day we receive your deposit. The remaining funds will be available no later than the second business day after the day we receive your deposit. I have enclosed a copy of the overdraft notice sent to you on January 11, 2016. Your ending balance was negative ($291.53). Also on January 11, 2016, the ACH deposit in the amount of $627.00 was received. We regret any misunderstanding that may have occurred regarding the date of this deposit. In the interest of customer service the $37.00 late fee you received associated with this matter was reversed March 28, 2016. Please note that you have the option to establish an overdraft protection account that would be linked to your business checking account. Overdraft protection automatically transfers funds from a Fifth Third Bank savings account, checking account, credit card, or equity line to cover items that may overdraw your checking account. There is a $12.00 fee per transfer if funds are transferred from your overdraft protection account. Please note that the linked account for overdraft protection must have the same primary account holder and Tax Identification Number (TIN) or Social Security Number (SSN) as the business checking account being protected. For additional information about overdraft protection please see page thirteen (13), section fourteen (14), of the Rules and Regulations. In addition, page seven (7) of the Rules and Regulations discloses the fee per transfer. 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 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 (2): Rules and Regulations Overdraft Notice

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 find that this resolution is satisfactory to me. 
Regards,
[redacted]

[redacted] Date: September 28, 2015 Account: [redacted] Regarding Your Fifth Third Bank Mortgage Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com, regarding your...

checking account. Thank you for taking the time 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 our senior and executive management teams review customer concerns as part of our ongoing commitment to improving our customers’ satisfaction. Our research determined that your checking account was charged off as an uncollected debt on January 3, 2013. I have enclosed copies of all your checking account statements and overdraft notices for your checking account. Please note, on December 13, 2013, the Bank sold your debt to TMT Management Group. Fifth Third Bank has been notified that Precise Financial Group is managing accounts sold to TMT Management Group. You can ask them to provide validation of your debt by contacting Precise Financial Group at 888-314-3633. We appreciate your patience while we researched this matter. If I can 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, Patrick S. Office of the President PC: Revdex.com Enclosure: Statements and Overdraft Notices

The check matches the amount of the two (2) transfers on the statements provided to Ms. Lewis. We have provided the customer with statements and copy of the check sent to [redacted] County. If [redacted] can provide us something from [redacted] County stating they did not process or receive the check we would respond to that. However, we would respond the same way with a photo copy of the attached check. Thanks. Pat S.Customer Care Team SpecialistFifth Third Bank | Office of the President

[redacted] Date: August 17, 2016 Account: [redacted] Regarding Your Credit Bureau Reporting Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com regarding the information on your credit report. We appreciate the additional time you have taken to document your thoughts and concerns in this matter, and we sympathize with the difficulties you have experienced. On July 28, 2016, we received your original complaint filed with the Revdex.com. On August 5, 2016, we received a copy of your follow up complaint filed with the Revdex.com. However, we stand by the response conveyed to you in the previous letter we sent on August 3, 2016. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. On April 15, 2016, you contacted our customer service department to inquire about the credit bureau reporting for your account. You were transferred to the bankruptcy department, who informed you that the Bank would send a request to the credit reporting agencies to update the credit bureau reporting. Although this request was submitted to the credit reporting agencies, we are unable to dictate what information the credit reporting agencies will report. As noted in our prior correspondence, the mortgage loan was included in your Chapter 13 Bankruptcy filed on September 14, 2007. The Bank is not permitted to report payment information during the bankruptcy. Your bankruptcy was discharged in September 2012. Our review of the information provided to the credit reporting agencies determined the Bank did begin reporting your account information in 2013. However, [redacted] and [redacted] elected not to update the reporting for the account due to the bankruptcy and the time during which the reporting was suspended. As mentioned in our prior response, [redacted] is reporting your mortgage loan information. Please note, the Bank is unable to change the decision of [redacted] and [redacted] not to report your mortgage loan. If you would like to contact the credit reporting agencies directly, their contact information is provided below for your convenience: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### I hope this correspondence addresses any outstanding questions you may have had related to this issue. We truly value your business, and we look forward to continuing to serve your financial needs. 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: March 16, 2017 Account: [redacted] Regarding Your Fifth Third Bank Platinum [redacted] Dear [redacted] We received a copy of the follow up complaint you filed with the Revdex.com regarding the above mentioned credit card account. We appreciate the time you have taken to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced. We received your original complaint filed with the Revdex.com on February 15, 2017. We received your follow up complaint on March 5, 2017. Please find enclosed a copy of our previous letter mailed on February 28, 2017. I am sorry if the prior response did not resolve your concerns regarding this matter. On May 2, 2006, we received and approved your application for a Platinum [redacted]. The Bank is only required to keep transaction records for seven (7) years. Please find enclosed the last seven (7) years of statements for your credit card ending in [redacted]. In addition, we have provided a copy of your checking account statement dated October 12, 2013. Please note the $70.00 online payment made September 27, 2013, to your credit card ending in [redacted]. Upon receiving your follow up complaint, we contacted our Dispute Resolution Department who has opened an investigation. The case number is [redacted]. Upon completion of their investigation, the Dispute Resolution Department will notify you in writing of their findings. If you have questions involving their investigation, please contact the Dispute Resolution Department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday, 8:30 a.m. to 5:00 p.m., ET. Please reference your case number when contacting the Disputes Resolution Department. Please note, upon completion of the investigation, the Dispute Resolution Department will update your credit reporting based on their findings. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [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, Patrick S.Office of the President PC: Revdex.com Enclosures: Prior Response Credit Card Statements October 12, 2013 checking account statement

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]
Car title and letter of apology received on Friday 23 June 2017. Thank you, 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.  
 It does not mention that the previous late fees that needed to be waved were due to Fifth Third employees improperly filing my payments.  It also does not note that I was told by Fifth Third that I was bringing my loan up to date when I made the two payments.  This has nothing to do with me not having the money to pay the bill and everything with Fifth Third profiting on a complex system of paying a loan that I did not take out with their company.  I have spent many hours on this loan and filled out many papers to try to get them to set up an auto pay.  To date this still does not exist.  I will accept it when Fifth Third finally chooses to process my autopay.  They have had what they say is all the paperwork for over a week now.  
Regards,
[redacted]

[redacted] Date: March 26, 2018 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. I understand your frustration when your credit card was blocked. We strive to provide quality service to our customers, and I apologize that we failed to meet your expectations. Card authorization activity is constantly monitored in an attempt to prevent unauthorized charges. Occasionally, we may require that a customer confirm that their card is in their possession. We may also use a One Time Passcode (OTP) as an added security measure to verify a customer. An OTP may be sent by email, text, or by mobile push. If a customer is unable to receive, or complete, verification using an OTP, we ask them to visit a Financial Center. I am sorry for the inconvenience caused when the block was not removed after your visit to a Financial Center. Please be advised that after an additional review, the block on your credit card has been removed. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com

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.  \The 5/3 error resolution agreement says: https://www.53.com/doc/pe/pe-rules-regs-grp.pdfError Resolution
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS, contact us at the appropriate
address or phone number listed above as soon as you can.
If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement
or receipt, we must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem
or error appeared.
a) Tell us your name and Account number.
b) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an
error or why you need more information.
c) Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.
We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any
error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If
we decide to do this, we will credit your Account within ten (10) business days for the amount you think is in error, so
that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put
your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your
account.
For the fi rst thirty (30) days after your Account is opened and in which a notice of error is received, the applicable time
periods shall be twenty (20) business days and ninety (90) calendar days. We will tell you the results within three (3)
business days after completing our investigation.
If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents
that we used in our investigation.So I have 3 situations now:1) I have submitted all the supporting documentation to 5/3 where [redacted], requested to contact the bank to file credit not received claim; I also submitted the pictures and the UPS proof of delivery, so why 120 days are now needed?Bank sent a letter saying it will take 31 days to resolve;2) Situation #2 - the agreement says, if within 10 days the bank wont resolve they will credit the account during the investigation and it might take up to 45-60 days as federal law requires.3) And the newest situation #3 - the 5/3 responds, saying the agreement as well as the correspondence was not understood properly - and these rules only applies for unauthorized claims.  Plus now they says it might take up to 120 days which is more than the Federal law requires.Very unhappy with this type of error resolution.https://www.wellsfargo.com/biz/merchant/service/manage/chargeback/cod...⇄ Chargeback Tool — Reason Codes[redacted] Reason Code 85/[redacted] Reason Code 60Definition:Credit Not Processed. ([redacted]). Cardholder acknowledges participating in the Transaction and claims the merchant owes them a credit as they have returned or cancelled the goods/services. To date the Cardholder states they have not received a credit.Q: Was credit processed?    A: NoQ: Have you received the merchandise back from the Cardholder?   A: Yes Q: Is this request for credit outside the terms/timeframes of your return policy?    A: No Q: For Internet TransactionsDid the Cardholder have to "click to accept" your return policy in order to complete the purchase?   A: YesFor Card Present TransactionsIs your return policy printed on the customer's receipt near their signature?    A: Yes RESULTTo accept a Chargeback no action is necessary on your part, you do not need to respond to this Chargeback. TipsTo prevent Chargebacks, advise the customer that you are issuing them a credit, and credit their account as soon as you realize they were owed money.Never issue a credit after a Chargeback has occurred. In doing so you risk paying the customer twice.Return to Chargeback ToolI did it in few minutes, so why would it take 120 days for the 5/3 Bank?
Regards,
[redacted]