PROCORPSA

[redacted] Date: January 30, 2016 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the follow up letter you sent to the Revdex.com regarding your vehicle installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties 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. Please be aware that the Bank processes installment loan payments as soon as we receive them. In regards to your statement that the Bank has taken an excessive amount of time to process your loan payments, our review of the payment history does not show any evidence of this. If you have specific documentation or examples where we have held a payment for any length of time after the payment was received, please provide details of this and we will investigate and make any necessary corrections. Please send the requested information to the address or fax number contained in this letter. Being told by representatives of the Bank that it can take three (3) to five (5) business days for a payment to post to your loan is not inaccurate. From the time that a payment is mailed to the Bank to when the payment is received and processed, would typically be about three (3) to five (5) business days. Additionally, after a payment is received and processed by the Bank, it is reflected in our systems and is able to be seen by a representative of the Bank upon reviewing the payment history on the account. As was stated in my previous response to you on January 13, 2016, if you have documentation showing that any late payment received by the Bank was received before the loan was past due for payment, please send it to us and we can determine if the negative information that was reported to the credit reporting agencies can be corrected. Please send the requested documentation by mail to the following address: Fifth Third Bank Attn: Adam P. Office of the President 5050 Kingsley Drive Mail Drop: 1MOCOP Cincinnati OH 45263 Alternatively, you can fax this information to my attention directly at ###-###-####. [redacted], we strive to provide professional and accurate service to all of our customers, and we regret if this has not been your experience. 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 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.   We DID NOT apply for 3 mortgage loans. We apply for one. Any additional such actions would have been instigated by Fifth Third via Diann P. and her in complacence  for keeping documentation which was already submitted in order and at hand, thereby requesting the same information several times, causing delays, not providing written requests as requested and basically stalling in processing the initial application. No I do not accept this response from Fifth Third. It is not accurate. I've supplied the documentation that addresses my conncerns and her at many times, non-professional response and delays. This does not justify the damage that it has caused both myself and [redacted].
 
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: June 8, 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 ending in [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. We are very sorry if our attempts to explain the Overdraft Coverage policy during your telephone calls with our Consumer Contact Center did not provide the level of detail you desired, or failed to fully address all of your questions and concerns. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter may have caused you. We strive to offer our customers products that are convenient and beneficial while remaining competitive within the industry. Some checking accounts have the Overdraft Coverage option, which allows a customer to complete a one-time debit card transaction or Automated Teller Machine (ATM) withdrawal even if there are insufficient available funds in the account to cover the full amount of the transaction. Our records indicate that you declined Overdraft Coverage for ATM transactions and one-time debit card transactions on January 23, 2014. A letter confirming your decline of Overdraft Coverage was mailed to you at the address on file at that time. For your records, I have included a copy of this letter. Therefore, any debit card purchases and ATM withdrawals are declined when there is not enough money in your account, and as a result, will not be charged an overdraft fee for these types of transactions. However, Overdraft Coverage for checks and Automated Clearing House (ACH) electronic payments comes standard to your checking account. If there are insufficient funds in your account when these types of transactions are processed, your checks and electronic payments may be returned unpaid, and are still subject to overdraft fees. Electronic payments do not show as pending against the account during the day because they are not preauthorized like debit card transactions. Because checks and electronic payments do not have a preauthorized timestamp, these types of transactions are processed at the end of the business day. You do have the option of turning off Overdraft Coverage for checks and ACH payments, which will cause these items to be unpaid and automatically returned from your account the next business day. However, although these items will not be paid, your account will be assessed a $37.00 returned item fee for each payment. On May 2, 2016, the balance in your checking account was $43.51. Four (4) items totaling $138.72 posted to the account that day, creating an ending balance of negative ($95.21). Due to non-sufficient funds, one (1) overdraft fee of $37.00 was assessed for the ACH payment to [redacted] and posted the following business day. The ending balance was negative ($132.21). An overdraft notice was mailed to the address above to notify you of the overdraft occurrence and the overdraft fees assessed. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. Our records show that on April 13, 2016, a total of $50.00 in overdraft fees were waived. In the interest of customer service, we waived an additional $24.00 in overdraft fees on June 6, 2016. However, we are not willing to reverse the entire amount of overdraft fees assessed as you have requested. You have the ability to cancel ACH payments with the payees involved or place a stop payment for each transaction. When requesting a stop payment, we require the exact details of the outstanding ACH transaction including the date, the payee involved, and the payment amount at least three (3) business days or more before the payment is scheduled. If you request stop payments less than three (3) business days prior to the scheduled date, then those stop payments may not prevent the ACH transactions from posting on your account and causing fees. If the transaction from [redacted] for $105.65 was unauthorized or fraudulent, please contact our Dispute Department in order to file a dispute claim. The Disputes Department can be reached toll-free at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday 8:30 a.m. to 5 p.m., ET. To prevent an overdraft situation, you have the ability to review your account at an ATM, on our website at 53.com, or by calling our Customer Service Department at ###-###-####. If the account becomes overdrawn, we also send you an overdraft notice that includes a detailed breakdown of the day’s transactions. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions. This guide provides additional information related to the overdraft fees that we assessed to your account. We also offer ways to track your balance and manage accounts to help avoid overdraft fees on your accounts in the future. We sincerely hope this information will help you understand the Bank’s position going forward and resolve your needs. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J.Office of the President Enclosures: Overdraft Coverage Notice and Overdraft Solutions

[redacted] Date: November 17, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com regarding your mortgage...

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 accept my sincere sympathies for the experience you have recently endured, as well as my apologies for any inconvenience this matter may have caused you. We have researched the issue surrounding the difficulties you experienced when attempting to accept the offer of a forbearance on your loan associated with your home being located within a Federal Emergency Management Area (FEMA) disaster area. As we discussed when we spoke on November 10, 2017, I have confirmed that the forbearance is in place, and regret the error that caused the delay in this processing. Per your request I have confirmed that this loan was not reported late to the credit reporting agencies associated with this matter. Concerning your request for details surrounding how the payments will be handled when the forbearance is complete; I have verified that the three deferred payments, plus the January payment, will be due on January 1, 2018. You may discuss this, or find out what other options may be available to you by reaching out to the dedicated phone line for those affected by Hurricane Irma or Hurricane Harvey at ###-###-####, Option 2, Monday through Friday, 8 a.m. to 7 p.m., ET. Alternatively, you may contact me with the information below and I will be happy to find out what other options may be available at that time. Additionally, your comments expressing less than quality service you received when attempting to obtain this information are very concerning. At Fifth Third Bank we strive to provide an exceptional experience to our customers with each interaction, and we are dedicated to assisting our customers at this time. I appreciate you taking the time to talk to me regarding the information above and I want you to know that customer feedback of this nature is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. Mr. [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 866-360-5353, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah Starkey Office of the President Pc: Revdex.com

[redacted] Date: January 25, 2016 Account: [redacted] Regarding Your Fifth Third Bank Relationship Savings Account Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau, concerning an online payment from your savings account. We appreciate the time you have taken to express your concerns regarding this matter. Your comments expressing less than quality customer service are very concerning. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. We sincerely value your feedback as it assists us in delivering first class customer service, which is a priority to us. Feedback like yours helps us identify problems and improve the level of service we provide to our customers. On April 18, 2006, you opened a Minor-Owned savings account with you listed as the custodian, and your son [redacted], listed as the minor-owner. On June 26, 2012, this account was converted to a Fifth Third Bank Relationship Savings account, with the same ownership. In researching your concerns, we determined you accessed your Fifth Third internet banking on January 9, 2015. At that time, you initiated a $150.00 payment to your ** [redacted] account ending in [redacted]. For your records, we have enclosed a copy of the payment details. The one time immediate payment was scheduled for January 12, 2015. When making a payment online, the “paid from” drop down box allows customers the ability to choose which Fifth Third account they would like to make the online payment from. As the custodian on the account ending in [redacted], you are authorized to select this account as the paying account. It was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matter. You are a valued customer and we hope you will allow us to serve your financial needs in the future. If I could be of further assistance to you please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Payment Details

[redacted] Date: May 24, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com concerning your installment loan. We appreciate the opportunity to respond to this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the response conveyed to you in our previous letter sent to the above address on May 16, 2016. Our position on these matters has not changed. For further clarification, this is a simple interest loan and the account activity included the following: ** On February 21, 2016, the loan was funded in the amount of $19,937.13. ** The payment we received on April 4, 2016, in the amount of $334.03 was applied to the loan as follows: $186.71 to the principal balance and $147.32 to the interest. After this payment was applied to the account, the remaining principal balance for the account was $19,750.42. ** The payment we received on April 6, 2016, via Auto BillPayer was reversed from the account on April 12, 2016. Once this transaction was reversed from the account andreturned to you, the remaining principal balance for the account was $19,750.42. ** The payment we received on April 13, 2016, in the amount of $19,466.60 was applied to the principal balance of the account, with an effective date of April 12, 2016. The remaining principal balance of the account was $283.82. ** On May 6, 2016, the final payoff in the amount of $311.71 was processed by Auto BillPayer, and applied to the loan as follows: $283.82 to the principal balance and $27.89 to the interest. Per your previous conversations with the Bank, this payment was backdated to an effective date of April 12, 2016. As you mentioned in your complaint, a refund check in the amount of $0.74 was sent to you as a result of the backdated payoff. The chart below also explains the account activity. Principal Date Total Balance Effective Description Amount Principal Interest After 4/12/2016 Payoff $311.71 $283.82 $27.89 4/12/2016 Payment $19,466.60 $283.82 4/6/2016 Payment Reversal $334.03 $327.24 $6.79 $19,750.42 4/6/2016 Auto BillPayer $334.03 $327.24 $6.79 $19,423.18 Payment 4/4/2016 Payment via 53.com $334.03 $186.71 $147.32 $19,750.42 2/21/2016 Loan Funding $19,937.13 $19,937.13 Our review of the account determined there was no overpayment made. Because there was no overpayment, we are unable to accommodate your request for a refund. I apologize for any further frustration this may cause you. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q.Office of the President Pc: Revdex.com

[redacted] Date:       June 3, 2015 Account: [redacted] Regarding Your Platinum Credit Card Account Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com, regarding your Platinum Credit Card. We appreciate the 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 matter may have caused you. However, we stand by the response conveyed to you in our previous letter sent to the above address on May 26, 2015. Our position on this matter has not changed. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please call me at 513­358-0015, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely,   [redacted] Consumer Resolution Specialist Office of the President Pc: Revdex.com

[redacted] Date: October 31, 2016 Account: [redacted] Regarding Your Fifth Third Bank Equity FlexLine Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning...

the lien release associated with your Equity FlexLine. We appreciate the time you have taken to express your concerns regarding this matter. 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. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Thank you for taking the time to speak with me on October 26, 2016. Per that conversation I sent a copy of the lien release document to you via [redacted]. The tracking information on that package confirmed you received the letter Thursday, October 27, 2016. Upon receiving your complaint, I contacted the relevant parties to determine the delay in processing your lien release. Unfortunately, because of the length of time your loan had been closed, we were unable to determine the root cause of the lien release delay. Please use this letter as confirmation that the lien release document was sent to [redacted] County on October 25, 2016. Our research determined two (2) attempts by the customer service department to process the requested lien release. On September 26, 2016, and October 11, 2016, you contacted the Customer Service Department and the agents submitted a release of lien request. The September 26, 2016, adjustment request was denied by our operations department as an incomplete request. The October 11, 2016, request was processed and completed within ten (10) business days. The release of lien document sent to you on October 27, 2016, was from the October 11, 2016 request. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. 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, Patrick 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.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]If this is all you can do to help, I must try other avenues. 
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.  
[I do not feel my complaint has been handled properly. There is false information in the response. When I arrived I gave them my ID that had my married name on it and the loan was done in my maiden name. I would like a verbal apology from everyone involved. ]
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.  I received this $400 check the other day and have now cashed it. The fact that they didn't even have record of the $400 payment, yet sent me the refund check for it just now, shows their lack of customer service and how truly terrible this company is when it comes to their customers. It took two months to receive my full refund and I will be satisfied when I receive the additional $60 I have requested that they caused me in fees for paying other items late, due to their lack of repayment in a timely manner.  Again, they have sent the second check of $400 - to which this Revdex.com response from them states they don't have record of it. It is truly appalling that a business/bank would treat matters of other people's money in this manner. Again, severely disappointed in their lack of professionalism. 
Regards,
[redacted]

[redacted] Date: July 1, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding the overdraft fees assessed to your checking account. 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. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. 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. I have enclosed a copy of our current Rules and Regulations. Refer to pages eighteen (18) and nineteen (19) for additional information regarding funds availability. It should be noted that Fifth Third Bank does not determine the date an Automated Clearing House (ACH) transaction is posted to your account. The company or merchant that initiates the ACH transaction provides a collection and settlement date for the item, which indicates when the pur[redacted] will post to your account. If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account is overdrawn. We do not assess overdraft fees on pending transactions. Per item overdraft fees will not be assessed if your account is overdrawn by less than $5.00. The amount of the per item overdraft fee is based on the number of times your account has become overdrawn in the last twelve (12) months. For the first overdraft occurrence, you will be charged $25.00 per item. For each additional occurrence, a $37.00 per item fee will be assessed.On June 22, 2015, the beginning balance for your checking account was $2,874.08. We received your check deposit for $1,258.56 and $100.00 was made immediately available. As a result, the remaining funds totaling $$1,158.56 were not available until the following day. Fifteen (15) items totaling $3,185.13 posted to your account. Therefore, your ending account balance was negative ($211.05). Due to insufficient funds, nine (9) overdraft fees totaling $225.00 were assessed to your account and posted the following day.It is important to ensure that your checking account has sufficient funds to cover the transactions you have authorized. However, in the interest of customer service we reversed $112.50 of the overdraft fees assessed to your account on June 29, 2015.For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions 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 directly at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you.[redacted], please be assured that it was not our intention to cause you any hardship or frustration. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, [redacted]Consumer Resolution Specialist Office of the PresidentEnclosure: Overdraft solutions flyer Pc: Revdex.com

[redacted] [redacted] [redacted] Date: December 8, 2015 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning your...

Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns, and we sympathize with the difficulties you have experienced. On November 25, 2015, we received a deposit in the amount of $1,229.47, per our funds availability policy, $100.00 of this check deposit was immediately made available to you. The remaining $1,129.47 would not be made available to you until the following business day, which in this instance was November 27, 2015, due to the holiday. For additional details on the funds availability policy, please refer to page eighteen (18) of the enclosed Rules and Regulations. In addition, daily overdraft calculations are further explained on page eleven (11) of the Rules and Regulations, which explains the daily overdraft calculations and how debits and credits are assessed to your account. As detailed in this section, debits from the account are processed in the following order: ATM withdrawals, debit card purchases, online/telephone/mobile transfers, transfers such as online/automatic bill payments (ACH) and wire transfers, checks written from your account, and fees and service charges. We completed a review of the Essential Checking account ending in [redacted]. On November 27, 2015, we sent the enclosed overdraft notice to the address listed above, detailing the overdraft that occurred on November 25, 2015. The available balance at the beginning of the day was $283.10, and $100.00 was made available from the previously mentioned deposit, totaling $383.10. The debit card purchase, merchant payment, and ATM withdrawal that posted to the account on November 25, 2015, totaled $335.30; these three (3) transactions were not assessed an overdraft fee, as the funds were available. However, the three (3) checks were posted to the account, totaling $146.45, there were no available funds, and the account was overdrawn. Each of the three (3) checks were assessed an overdraft fee in the amount of $37.00, totaling $111.00. Our review of the account determined there was no error in assessing these fees. However, in the interest of customer service, on November 29, 2015, $37.00 of the overdraft fees were reversed and credited back to the account. Because there was no error is assessing the fees, we are unable to accommodate your request for additional fees to be waived. I am sorry for any frustration this may cause you and for any difficulties you may have experienced when contacting the Bank. Thank you for your patience while we researched this matter for you. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com Enclosure: Rules and Regulations, Overdraft Notice

Hello: We have addressed [redacted] concerns regarding the scheduling of payments in our previous two (2) responses.  Because the card is revoked, he is not able to make payments to his credit card through our online system, or Auto BillPayer. He may set up automatic payments with our collection department; however, the collection department, per their procedures, will not accept more than four (4) payments. I have attached our prior responses to this email.  Because there are no additional concerns being addressed by the customer, we stand with our previous responses. Thanks  Pat S.Senior Consumer Resolution SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### Fax: ###-###-####Email:  [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.   
5/3 is still refusing to accept responsibility for this.  I would not recommend that anyone ever gets a loan with 5/3.  Not only were we lied to, given false information over and over again but the banks unwillingness to accept responsibility for their incompetency or provide one ounce of care for the terrible situation they have put us in is unacceptable.  We have never missed a payment ever.  We trusted this bank and they misled us and mistreated us.  Their response is another trauma on top of several.  
Regards,
[redacted]

[redacted] Date: May 27, 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. The beginning balance in your checking account on May 6, 2016, was $18.92. Six (6) transactions totaling $30.30 posted to your account that day, causing an ending balance of negative ($11.38). Three (3) transactions contributed to the overdraft occurrence. We paid all of the items and assessed three (3) overdraft fees of $37.00 each on the following business day, May 9, 2016. Enclosed for your reference is a copy of the Rules and Regulations for your account. Page three (3) provides information about the overdraft fees assessed to your account. Pages eleven (11) through thirteen (13) provide additional information regarding how the Bank processes overdrafts. I have also enclosed a copy of the overdraft notice we sent to you the next business day on May 9, 2016. Please note that we process transactions at the end of each business day and we do not process transactions on Saturday, Sunday, or Federal Holidays because they are not business days according to Federal guidelines. Additionally, checks and Automated Clearing House (ACH) transactions will not show as pending items when you check your account during the day. Checks and ACH transactions are applied to your account at the end of the business day during our overnight processing hours. If there are not enough funds to cover the checks or ACH transactions that post to your account with that day’s business, then your account is subject to overdraft fees that will be assessed to the account on the next business day. The three (3) items that posted to your account that we paid while the balance was negative were ACH transactions. Because ACH transactions do not show as pending on your account, the overdraft was not visible during the day on May 6, 2016. After we processed the ACH transactions during our overnight processing that day, the overdrawn balance of negative ($11.38) was listed on your account beginning on May 7, 2016, which was a Saturday. The negative balance was visible on our website at 53.com, via our Mobile Banking application, through our automated phone system and Customer Service Department, and at our Automated Teller Machines (ATMs). While the negative balance was visible on May 7 and May 8, 2016, overdraft fees are not assessed to the account on non-business days. The first (1st) business day after the date of the overdraft was Monday, May 9, 2016. On May 9, 2016, the $111.00 in overdraft fees were listed as pending on your account, and they posted that night during our overnight processing hours. I am sorry for the dissatisfaction you have experienced because the fees were not visible sooner. 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. 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. It was certainly not our intention to cause you any frustration, and I apologize for any inconvenience this matter may have caused you. We previously reversed overdraft fees totaling $50.00 as a courtesy to you. In the interest of customer service, we have credited back an additional $24.00 in overdraft fees as a courtesy on May 25, 2016. We are unwilling to waive additional fees at this time. As of May 24, 2016, the balance in your checking account is $4.59. I confirmed that there has not been an additional overdraft on your account since May 6, 2016. Please be assured the Bank takes overdraft account situations very seriously. At this time our banking centers are not currently required to contact each customer that becomes overdrawn. Additionally, Fifth Third Bank does not contact customers to notify them of a potential overdraft before the overdraft has occurred. In some cases the banking center may make a courtesy telephone call on an overdrawn account. I apologize for the distress this has caused you. 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: Overdraft Notice, Rules and Regulations, Fifth Third Overdraft Solutions 2

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. the letter and the declaration page have been faxed to that direct number 3 times I personally faxed it from a UPS store once. Plus the issue with not being able to file a claim with the insurance they forced on me in march for damage done to my car in Janurary which they charged after the date had already passed has not been addressed either. I stand by my rejection. 
Regards,
[redacted]

[redacted] Date: July 17, 2015 Account:       [redacted] Regarding Your Credit Card Dear [redacted]: Thank you for contacting the Revdex.com concerning your credit card. We appreciate the time you have taken to express your concerns regarding this matter. We initially received a copy of this complaint on July 1, 2015. We received a similar complaint from you on July 9, 2015. Additionally, we received another complaint on July 16, 2015. However, we stand by the response conveyed to you in the previous letters sent on July 8, 2015 and July 14, 2015. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. As we stated in our two prior responses, we have provided to you a copy of the offer that was sent to you, what was needed to qualify for bonus points that were included within the specific offer that you received. Each offer has a unique ID number that you supplied within your application. This allows us to identify what offer you qualified for, and what requirements were needed to earn the bonus reward points. I am sorry if prior information provided to you was incorrect, but your purchase did not qualify you to receive the 50,000 points. We strive to provide professional and accurate information to our customers, and 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, Beth H. Office of the President Enclosure (2): Previous Response Letter

[redacted] Date: June 25, 2015 Account:       [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of your complaint filed with the Revdex.com regarding your...

vehicle installment 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 frustration you experienced regarding this matter. Because you previously filed bankruptcy, we are providing this information to you in response to the complaint we received. This letter is not an attempt to collect a debt. Your vehicle installment loan was included in your Chapter 7 Bankruptcy that was discharged, and you did not reaffirm the loan. Enclosed is a copy of your bankruptcy petition that lists Fifth Third Bank. Fifth Third Bank will sometimes allow customers to maintain possession of the vehicle used as collateral for the loan, even if the loan was discharged in bankruptcy, as long as the customer continues to make the monthly payments as agreed upon in the installment contract. However, bankruptcy law prevents the Bank from contacting you to collect money for the debt. We are also not permitted to tell you any payment amounts that you may owe other than the amount necessary to pay the loan in full. Our records indicate that you spoke to our Collection Department on February 3, 2015, and were advised that because of your bankruptcy, you were not obligated to continue paying the loan. However, we explained that you could continue to voluntarily make the regular monthly payments if you wanted but, if the payments were ever discontinued, we would have to look at other options such as repossession. If a vehicle loan is discharged in bankruptcy and the customer wants to maintain possession of the vehicle, we must continue to receive the monthly payment. While we cannot tell a customer with a discharged loan how much they need pay each month or how much they may be past due, payments we receive that are less than the monthly payment amount do not fulfill the monthly payment amount owed even if the payments being made are voluntary. We have no record that you were advised you could make payment in any amount you wanted and maintain possession of the vehicle. Your vehicle was repossessed per Bank guidelines on May 15, 2015. Due to the bankruptcy, we are unable to provide you with details regarding any possible past due balance that was or is owed on the account. Bank representatives are able to provide you with the full payoff amount only. For this reason, our Collection Department was not able to tell you any specifics regarding the repossession. I apologize for the distress and inconvenience this has caused you. Additionally, because of the bankruptcy, you are able to redeem the vehicle only if you submit a payment for the full balance owed on the account. If you would like additional details surrounding the vehicle’s repossession, your attorney can contact the Bank on your behalf. I can be reached using the phone number listed below, or via mail using the following address: Fifth Third Bank[redacted]Alternatively, I can be reached via fax at ###-###-####.As of June 18, 2015, the payoff amount you would need to pay in order to redeem the vehicle is $4,726.85. After June 18, 2015, please add $0.62 of interest per day through the date of receipt of the payoff funds by Fifth Third Bank. The vehicle is scheduled to be sold on July 8, 2015. We must receive the full payoff amount by July 7, 2015, to stop the sale. If the vehicle is sold and the proceeds from the sale exceed the outstanding loan balance, we will mail the extra funds to you via check.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,[redacted] Office of the PresidentPc: Revdex.comEnclosure: Payoff, Bankruptcy Petition