Fifth Third Bank

Final response to [redacted] is attached December 23, [redacted] On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI 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.Dear Ms [redacted] ,We received a copy of your complaint filed with the Revdex.com regarding your checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced.If you have outstanding ACH (Automatic Clearing House) payments that you wish to stop from posting to your account, you have the ability to make arrangements with the payees involved or place a stop payment for each itemWhen requesting a stop payment, we require the exact details of the ACH item including the item date, the payee involved, and the payment amount at least three (3) business days or more before the payment is scheduledShould we not receive sufficient details or the stop payment is requested less than three (3) business days prior to the scheduled date, the stop payment may not prevent the ACH item from being paid on your account.The Bank will not be liable for any stop payments which involve insufficient information or requests that are made less than three (3) business days or more beforehandAfter a stop payment is processed, a fee of $will typically be assessed to your accountI have enclosed a copy of our Rules and Regulations handbook for your reviewPages twenty (20) and twenty-one (21) provide additional information regarding stop payment of preauthorized ACH transfersPage fifteen (15) paragraph twenty-two (22) provides additional information regarding stop payment of a check On November 21, 2014, you requested the following stop payments: Payee: [redacted] Amount: $Check #: 1190Item Date: 11/17/14Payee: [redacted] Amount: $Item Date: 11/21/14Payee: [redacted] Amount: $Item Date: 11/21/14Payee: [redacted] Amount: $Item Date: 11/21/14Payee: [redacted] Amount: $250.00Item Date: 11/21/14Payee: [redacted] Amount: $50.00Item Date: 11/21/14Payee: [redacted] Amount: $1,Item Date: 11/21/ The information you submitted regarding a stop payment on check number to [redacted] for $was correct; therefore this item was returned to your account on December 8, 2014.The exact dollar amount of the [redacted] item was $and you requested a dollar amount of $We require the exact dollar amount; therefore this stop payment was not effectiveThe payment of $to the payee [redacted] has not been presented for payment.The exact name of the payee for one of the items you requested is [redacted] and you requested a stop payment with the payee name of [redacted] The exact name of another payee is [redacted] LLC and you requested a stop payment with the payee name of [redacted] The exact name of another payee is [redacted] and you requested a stop payment with the payee name of [redacted] Also, the payment of $1,has not been presented for paymentWe require the exact name of the payee(s) and the payee(s) provided was incorrect; therefore these three (3) stop payments were not effective.It is certainly not our intention to cause you any hardshipAs a valued customer, we have waived overdraft fees totaling $in the last twelve (12) monthsWe have also waived stop payments fees totaling $Please be aware that we are unable to waive any additional *** [redacted] , thank you for your patience while waiting for a responseYou are a valued customer, and we look forward to serving your financial needs in the futureIf I could be of further assistance to you, please call me directly at ###-###-####, or toll free at ###-###-####.Sincerely, [redacted] Enclosure: Rules and Regulations

Hello, We received the attached rebuttal from Mr [redacted] regarding his brokerage account with Fifth Third Securities The rebuttal does not provide any new information from the customerOur representatives from Fifth Third Securities have spoken to this customer on the telephone numerous times and are considering this particular matter closed unless the customer can provide additional information [redacted] | Fifth Third Bank Consumer Resolution Specialist| Office of the President

Attached please find the response mailed to the customer todayThanks.March 6, [redacted] [redacted] *** [redacted] *** Re: Mortgage Lien Release Dear [redacted] : We received a copy of the complaint you filed with the Better Business Bureau, concerning your mortgage lien releaseOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matterWe have submitted a lien release for your mortgage loan to [redacted] The lien release also included the necessary Power Of Attorney document for [redacted] ***I apologize for any inconvenience you experienced regarding this issueIf you discover that there are additional issues with the title paperwork for your property regarding Fifth Third Bank liens, please feel free to contact me directlyAs I mentioned on the phone messages I left for you, I was able to track the delivery of the lien releaseThe lien release was received by the [redacted] Registry Department on February 26, We appreciate your patience while we researched this matterIf I can be of any further assistance, please contact me at [redacted] , or toll free at [redacted] Sincerely, [redacted] Senior Consumer Resolution Specialist Office of the President PC: Revdex.com [redacted] [redacted]

October 23, [redacted] Re: Checking Account [redacted] Dear Mr***, We received a copy of your complaint filed with the Revdex.com concerning your checking account with Fifth Third BankWe appreciate the time you have taken to share your thoughts and concerns regarding this matter On July 20, 2012, you opened an Essential Checking account with our [redacted] Financial CenterOn an Essential Checking account, we waive the monthly service charge of $ [redacted] if any of the following is met: · You maintain a combined monthly average of $ [redacted] across your checking and savings accounts · OR you are a current or former member of the U.Smilitary with monthly direct deposits totaling $ [redacted] or more · OR you participate in your employer’s Fifth Third Banking Benefits Program with monthly direct deposits totaling $ [redacted] or more · OR you are a student with a valid student ID Our records indicate that the monthly service charge has been waived on your account since December You have not received a monthly fee for this account since you set up monthly direct deposits that have been at least $ [redacted] per month If the available balance in your checking account is not sufficient to cover items that post to your account, the posted items may be returned unpaid and subject to overdraft feesThe per item overdraft fee is based on the number of occurrences in the last [redacted] For the first occurrence, you will be charged $ [redacted] per itemFor any additional occurrence, the charge is $ [redacted] per itemShould the account become overdrawn, we also send an overdraft notice via standard mail to inform you of the occurrence, which includes a detailed breakdown of the day’s transactionsI have enclosed a copy of our Rules & Regulations handbook that you received and agreed to when signing a signature card to open the accountPages 2, 11, and provide additional information regarding overdraft and the related fees If you have any questions regarding recent overdraft fees that were charged to your account or any other charges that posted to your account, please contact me directly at the phone number listed belowI am unable to further research your concerns related to fees charged to your account until you can provide additional information related to specific fees that posted to your account In your complaint you also reference that your bill payments were “mishandled” by the Bank, but you did not provide any additional information that may allow us to further research your concernsI would be happy to investigate any payments that have posted to your account and submit disputes for any payments that may have posted in errorWhen disputing an Automated Clearing House (ACH) payment on your checking account, we strive to research and resolve the dispute in as timely a manner as possibleIf our research supports your dispute, any provisional credit issued to your account will become final and any related overdraft fees will also be reversedHowever, if our research does not support your dispute or if we receive proof that the transactions are legitimate, a notification letter detailing our decision will be sent to the address on file and the provisional credit will be removed from your accountFederal regulations establish our dispute guidelines for ACH payments that we are required to followDisputes of this nature may take ten (10) business days or up to forty-five (45) calendar days to fully investigate Mr***, please be assured that it was not our intention to cause you any hardshipYou are a valued customer and we look forward to serving your financial needs in the futureIf I could be of further assistance to you please contact me directly at [redacted] [redacted] Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosure: Rules & Regulations handbook

February 6, [redacted] A*ministrator [redacted] [redacted] [redacted] *** [redacted] *** Re: [redacted] *** *ear [redacted] * [redacted] : We receive [redacted] a copy of the complaint you submitte [redacted] to the Revdex.com regar*ing [redacted] ***’ installment loanWe appreciate the time you have taken to *ocument your thoughts an [redacted] concerns regar*ing this matter, an [redacted] we sympathize with the *ifficulties you have experience*On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have cause [redacted] youOn January 16, 2015, we receive [redacted] an [redacted] poste [redacted] the payoff of $ [redacted] to [redacted] ***’ installment loan en*ing in ***It is our un*erstan*ing that the *o*ge [redacted] was picke [redacted] up from [redacted] Auto Auction on January 27, Because the payoff was a wire payment, we are reimbursing the estate for the $ [redacted] in a**e* storage costs pai [redacted] to the auto auction as a result of the ten (10) *ay hol*Please fin [redacted] the enclose [redacted] check for this amountI hope this letter meets your satisfaction an [redacted] resolves your nee*sThank you for your patience while waiting for a responseIt was certainly not our intention to cause you any har*shipIf I coul [redacted] be of further assistance to you, please contact me *irectly at [redacted] , or toll free at *** [redacted] Sincerely, [redacted] Senior Consumer Resolution Specialist Office of the Presi*ent Pc: Revdex.com

Please find attached a copy of the letter being mailed to the customer todayThe checks will be sent to the customer in the mail along with the letterThank youJanuary 8, [redacted] ***Re: Installment Loan [redacted] Dear [redacted] ***:We received a copy of the rebuttal you submitted the Revdex.com regarding your installment loanWe appreciate the time you have taken to document your additional thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies if our previous responses did not address all of your concerns.We conducted a further review into the posting of the payments to your installment loan ending in ***On September 3, 2014, an ACH (Automated Clearing House) payment of $posted to your installment loanAs you are aware, this payment reversed on September 8, When you set up a new ACH payment with our Collection Department, they informed you that they would back-date your new payment to September 2, On September 12, 2014, the second (2nd) ACH of $posted to your installment loanOn September 16, 2014, this payment was back-dated to September 2, However, on September 17, 2014, this payment also reversedA third (3rd) ACH payment of $posted on October 3, 2014, and reversed on October 8, 2014.On October 9, 2014, a [redacted] payment of $posted to your installment loanPer the instructions of our Collection Department, the entire payment was back-dated to October 3, 2014, rather than $of the payment being back-dated to September 2, 2014, and the remainder being back-dated to October 3, I am sorry that the payment was not reapplied correctly at this time, and we truly regret the misinformation we provided in our previous letter dated December 17, Based on the research completed by our Collection Department, it was our understanding at the time that the payment had been properly backdatedAgain, please accept my deepest apologies for this misunderstanding.It was certainly not our intention to cause you any hardshipOur research determined that additional interest of $accrued because the payment was not back-dated correctlyTherefore, after confirming that the reimbursement check of $that we previously issued to you is still outstanding, we placed a stop payment on the check, and reissued the enclosed check of $We also enclosed a check of $to reimburse you for the [redacted] fee per our previous agreementI hope this letter meets your satisfaction and resolves your needs.On October 21, 2014, we received and posted your final payment of $25,You installment loan is now closed as paid in fullWe are very sorry to lose you as a customer, but we truly hope you will reconsider using Fifth Third Bank for your financial needs in the future Thank you for your patience while we conducted our additional researchIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####.Sincerely, [redacted] Senior Consumer Resolution Specialist Office of the PresidentPc: Revdex.comEnclosures (2): Checks

Attached is a copy of our response to the complaint filed by [redacted] November 14, [redacted] ***Re: Account [redacted] Dear Ms [redacted] We received a copy of the complaint you filed with the Revdex.com dated November 6, 2014, concerning the title documentation required for your installment loan account We appreciate the time you have taken to express your thoughts and concerns regarding this matter We strive to provide professional and accurate service to our customers and I regret that the service you received did not meet that same high standard Customer service is of the utmost importance to all of us at Fifth Third Bank and we appreciate your feedback as it assists us in identifying problems in an effort to continuously improve the service we provide our customers 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 apologize for the delay in providing the required documentation to you When your request for a state change in title was received, the vendor who processes our vehicle title requests, advised that your files still listed you with your married name [redacted] Therefore, you were advised that we required documentation to prove your name change The vendor has since updated their files to reflect your correct name As relayed to you in my telephone message on November 14, 2014, the required paperwork was sent via [redacted] on November 14, to [redacted] and Title at the address outlined in your complaint The tracking number for this paperwork is [redacted] We empathize with the frustration you have experienced with this matter Therefore, we are refunding the $fee that was assessed to you for processing the paperwork The check was mailed to you on November 14, under separate cover Please contact me at the telephone number listed below if you do not receive this check by November 30, 2014, and I will further research this matter I can assure you that it was not our intention to cause you any frustration or hardship On behalf of the Bank, please accept my sincere apology for any inconvenience or concern that this matter may have caused you If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####.Sincerely, [redacted] Pc: Revdex.com

Attached is our final response to the complaint filed by [redacted] Thank youJanuary 9, [redacted] ***Re: Checking Account [redacted] Dear Ms [redacted] We received a copy of the complaint you submitted to the Revdex.com regarding the overdraft fees that were charged to your checking accountWe appreciate the time you have taken to document your thoughts and concernsWe value your relationship with Fifth Third Bank and appreciate the opportunity to respond to you regarding this matterWe strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations.On December 29, 2014, the beginning balance in your checking account ending in [redacted] was $Six (6) withdrawals totaling $posted to your account creating an ending balance of negative ($58.99)Since your checking account balance was not sufficient to cover three (3) transactions that posted, the Bank charged your account three (3) overdraft fee of $on the following business dayI have enclosed a copy of the overdraft notice that was mailed to you on December 30, This notice provides additional detail regarding the transactions that posted to the account and the fees that were assessed.I have confirmed that a transfer of $was made via our online banking on Tuesday, December 30, 2014, at 9:35A.MOur online banking has a 9:P.Mcut-off time for the deposit to post to your account on the same business dayTherefore, your deposit of $posted to your account on December 30, Unfortunately, the deposit would have needed to post to your account on December 29, 2014, to avoid the account from becoming overdrawn.In the interest of customer service, on January 6, 2015, we waived $of the overdraft fees charged to your accountYou will see this credit to your checking account on your statement.You may wish to consider adding Overdraft Protection to your checking account which allows funds to be transferred from a Fifth Third Bank savings account, credit card, or equity line to cover items that overdraw the checking accountWith Overdraft Protection, you are charged one (1) Overdraft Protection transfer fee of $per transferIf you would like more information about Overdraft Protection, please feel free to contact me using the information provided belowYou may also visit your local Financial Center or contact our Customer Service Department at [redacted] to setup Overdraft Protection for your checking account Ms [redacted] , it was certainly not our intention to cause you any hardship and we appreciate your patience while we researched this matterYou are a valued customer and we look forward to serving your financial needs in the futureIf I can be of any further assistance, please contact me at [redacted] , or toll free at [redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the PresidentPc: Revdex.com Enclosure: 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] ***

October 17, [redacted] Re: Checking Account [redacted] Dear Mr[redacted] , We received a copy of the complaint you filed with the Revdex.com regarding your checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matterWe would like to offer our sincere apologies for any inconvenience this matter may have caused you Your comments expressing less than quality service are very concerningPlease be assured that Fifth Third Bank takes your feedback regarding your experience very seriously, and I have contacted the relevant parties to pass on your concernsOur Financial Center managers strive to provide professional and accurate service to each and every customer they assist throughout the day, and I regret if the service you received did not meet the same high standardOur top priority is to provide our customers with outstanding serviceI am sorry if your experience at the [redacted] Financial Center did not meet the same high standard I am sorry to hear of the difficulties you have experienced with recent debit card transactions and Automated Clearing House (ACH) transactions that posted to your checking accountThe Bank follows a dispute procedure established by federal regulation and [redacted] itselfRegulation E controls the dispute process and provides detailed procedures and deadlines for consumers, banks and other financial institutions to follow when a dispute is made against a transaction on an account On August 22, 2014, you submitted disputes for ACH transactions that posted to your accountYou formally disputed the following transactions: $ [redacted] Web Payment to Bill Matrix, $ [redacted] Web Payment to [redacted] Electr Bill, $ [redacted] Adv [redacted] Fees, $ [redacted] Adv [redacted] Fees, $ [redacted] Adv [redacted] Fees, $ [redacted] Adv [redacted] FeesOur review of these disputed transactions determined that each ACH transaction you disputed were returned unpaid due to non-sufficient fundsThe overdraft fees that were charged to your account due to these transactions were waived on August 28, Since the disputed transactions were returned and the related overdraft fees were waived, this dispute case was closed on August 28, Per your request, on August 26, 2014, disputes were also filed for debit card transactions in the amount of $ [redacted] and $***We began an investigation into these transactions and on August 28, 2014, your checking account was given provisional credit of $ [redacted] and $ [redacted] while we researched your disputeThe investigation into these transactions is still ongoingYou will receive notification from our disputes department as soon as their investigation if finalizedI would like to assure you that we are diligently researching your claim and using every resource to finalize your dispute as quickly as possible Our review of your checking account activity determined that you received credit for all transactions that you disputed as well as all related fees associated with these transactionsHowever, other transactions posted to your account which contributed to the overdrawn balance of your accountI have enclosed your monthly checking account statements for reviewYour checking account remained overdrawn for [redacted] days and as a result, your account was charged off for $ [redacted] and reported to [redacted] for collection proceedings on September 4, For additional information regarding the account, or to set up payment arrangements, please contact [redacted] directly at [redacted] Mr [redacted] , we would like to apologize for any inconvenience this matter may have caused youHowever, we regret that we will be unable to reopen this checking account as you have requestedIf I could be of further assistance to you please call me toll free at [redacted] or directly at [redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the President Pc: Revdex.com

November 10, [redacted] [redacted] [redacted] *** Re: Installment Loan [redacted] Dear Mr [redacted] , We received a copy of your complaint filed with the Revdex.com, regarding the vehicle title for your closed installment loan accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matter Your comments expressing less than quality service are very concerningOn behalf of the Bank, please accept my sincere apologies for any inconvenience this situation may have caused youWe strive to provide professional and accurate service to our customers, and we regret if that has not been your experience On October 31, 2014, your payoff in the amount of $ [redacted] posted to your installment loan and the account was closed at that timeThe standard processing time for the title or lien release to be mailed out the customer is ten (10) daysIn your case, the title for your vehicle was expected to be sent on November 7, As a result of your correspondence, we expedited the lien release process and your vehicle title was sent to the address noted above on November 5, However, please allow additional time for mailing to receive your car titleWe hope this will assist you in the sale of your vehicle Mr [redacted] , please be assured that it was not our intention to cause you any hardship and frustration You were a valued customer and we hope that you will consider the Bank for your financial needs in the futureIf I could be of further assistance to you, please contact me directly at [redacted] *** [redacted] Sincerely, [redacted] Consumer Resolution Specialist 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 They did credit me for one transaction that was their mistakeI believe when you close an account it should be closed no one should be able to make transactions on the accountThey also stated that I didn't have overdraft protectionWhich I did before I closed the accountAlso would like them to send you the statements from around [redacted] timeMine and my fiances checks go into my account and he gets paid on Wedat midnight his check didn't post until Friday! So shopping on [redacted] thinking there was money in my account and there was not and they charged a bunch of overdraft fees for this as wellAlso my recent statement I was charged a monthly service charge of dollars which I have never been charged for the whole time I have had this accountJust needs looked into further because I think they are trying to fee everyone to death and it's not fairRegards, [redacted] ***

[redacted] Cincinnati, OH [redacted] ***Date: April 2, Account: [redacted] Re: Lien release on Car TitleDear [redacted] ***:Thank you for the letter you sent to the Revdex.com regarding your installment loanWe appreciate the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced.On behalf of the Bank, please accept my sincere apologies for the difficulties you have experienced with receiving your car titleIt was certainly not our intention to cause you any hardshipWe strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectationsI 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.It is my understanding that a release of lien has now been sent for youI am very sorry that it took multiple conversations to complete the taskThe release of lien should not have taken as long as it did to completeWe appreciate the time you spent in documenting this issue and as a result, we were able to escalate this situation to management within the Customer Call Center and our lien release department.You are a valued customer and I appreciate this opportunity to address your concernsIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ET.Sincerely, [redacted] ***Customer Resolution Specialist Office of the President

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 believe the bank's assertion that they had information that the check may not be paid, and the fact that it was paid indicates that this is not really believable Further, I would have accepted and expected a reasonable hold, but their hold was excessive and I believe the check had been paid much earlier Their letter, which was dated February was not received until day before the funds came available and not in a timely manner Further I asked at the bank at the time of deposit and was told the funds would be available when they showed up on-line as being available On February on-line banking made them fully available and I believe that the check was most likely paid by then But I do not require any further action as I have begin the process of moving my funds to another institution and will be closing the account Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 10467847, and have determined that this does not resolve my complaint.While I appreciate the reversal of the overdraft, my checking of the account balances did not show any Web Initiated fee until the 25thIn addition, I had a positive balance on the 25th after receiving my direct deposit and also making an online transfer to my other debit card, Again, no overdraft fees were showing at this time 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 For your reference, details of the offer I reviewed appear below First I never stated that I did not want to dispute the charges I went into the bank to explain that there were three charges on my account that were not authorized and that I had taken care of it with the companies I had emails in hand to show that the companies had advised that the would refund the charges Therefore, I was advised by the bank that there was no reason to dispute the charges.On 11/18/ [redacted] *** Charged me $623.86They advised that the would not take out their payment in December to make up for their mistake.On this date I was charged a $overdraft fee.On this date [redacted] *** charged me $that ws not authorized I contacted them and they advised that they would refund the money In addition 5/mailed out $to [redacted] that caused an overdraft fee On 11/19/they failed to pay the [redacted] bill and the $was credited to my account They then again sent the $out on 11/21/without authorization again overdrafting my accout and this time decided to pay it and charge me again an overdraft fee On 11/19/I was charged $ and a $overdraft fee I was then charged a $ [redacted] charged that was not authorized.I contacted [redacted] and they advised that they would credit my account On 11/20/I was charged an additional $in overdraft fees On 11/29/ [redacted] refunded my money On 11/21/I was charged another $overdraft fee I was credited my [redacted] *** money On 11/21/I contacted the bank and with the emails from [redacted] , [redacted] *** and [redacted] advised that these had not been authorized and showed the documentation that the compaines had agreed and would refund my money At this time my account was credited $ I was charged $in overdraft fees $of the fees the day after they credited the $I feel that the company is being fraudulent as not only did they not refund the money from charges that they saw documentation from the compaines, they also sent out a payment twice causing the overdraft fees Once they decided to not pay it and the next time they paid it I guess my question is what made the difference Also why was I told by bank staff that I did not need to dispute the charges as I had proof? Then the day after they credit the $they charge me another $basically taking back most of what they had credited meI feel that the bank still owes me $ I will be seeking legal advise if this is not refunded to me Regards, [redacted] ***

We received a copy of the complaint filed with the Revdex.comregarding disputed purchases that posted to your debit cardWe appreciate thetime you have taken to document your thoughts and concerns regarding thismatterOn behalf of the Bank, please accept my sincere apologies for anyinconvenience or frustration this matter may have caused you.On September 11, 2014, we received your disputes for a purchase of $from Skin on September 9, 2014, and for apurchase made by [redacted] inthe amount of $on September 10, On September 11, 2014, we postedprovisional credits in the amounts of $and $to your checkingaccount while we investigated your disputes.During our investigation, we received credit for the$purchase from [redacted] .Therefore, the dispute for this purchase was approved and the provisionalcredit that posted to your account will remain as a final creditWhileinvestigating the purchase of $from ***,we received documentation from the merchant showing that the purchase wasvalidDue to this reason, we denied your dispute and reversed the provisionalcredit of $from your checking account on November 4, 2014.Once we received your Revdex.com complaint, we filed a rebuttal disputefor the charge of $from Skin.The additional investigation into this transaction may take up to sixty (60)days to completeWe will have a final determination by January 24, Ifthe rebuttal dispute is found to be in your favor, $will be credited toyour checking accountIf your rebuttal dispute is denied, your checkingaccount will not be affectedYou will receive notification from our disputesdepartment as soon as their investigation if finalized.Ms [redacted] , thank you for your patience while we researched this matter for youYou are a valuedcustomer, and we look forward to serving your financial needs in the futureIfI could be of further assistance to you, please call me directly at [redacted] Consumer Resolution Specialist Office of thePresidentPc: Revdex.com

[redacted] ***Date: April 9, Account: [redacted] Re: Checking AccountDear [redacted] :We received a copy of your rebuttal complaint filed with the Better Business Bureau, regarding the service charge assessed to your checking accountWe appreciate the time you have taken to document your additional thoughts and concerns regarding this matter.The requirements to avoid a service charge are listed on the statement issued each month for your checking accountOur records indicate that you agreed to receive your statements electronicallyTherefore, it is important to review your account statements online in a timely manner.Please be assured that the $service charge assessed on March 16, was for the statement period ending on March 13, 2015, not the current statement period scheduled to end on April 15, Therefore, no pro-rated refund of the service charge is required[redacted] , please be assured that it was not our intention to cause you any hardship or frustrationWe appreciate the opportunity to respond to your concernsIf I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-#### Monday through Friday, a.mto p.m., ET.Sincerely, [redacted] Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

November 4, [redacted] *** [redacted] *** [redacted] *** Re: Checking account [redacted] Dear Ms***, We received a copy of your complaint filed with the Revdex.com regarding your checking accountWe appreciate the time you have taken to express your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matterWe are continually working to ensure the funds from your deposits are available in a timely manner while meeting all Federal guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraudOn the day of your deposit, a combined $ [redacted] from all deposited checks not drawn on a Fifth Third account is available immediatelyCash deposited into an account is immediately availableFor deposits made on Saturday, Sunday, or a Federal Holiday, the day of your deposit is the next business dayA business day is defined as Monday through Friday, excluding Federal HolidaysEnclosed for your reference is a copy of the Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and CardsPages four (4), eighteen (18), and nineteen (19) provide additional information about funds availability for your personal checking accountThe beginning balance in your checking account on October 3, 2014, was $***You deposited $ [redacted] in cash and a total of $ [redacted] in checks to the checking account that dayOne (1) of the checks you deposited was the $ [redacted] check that you received from [redacted] ***You requested $ [redacted] of the check deposits back in cash, so $ [redacted] of the checks was credited to your checking accountThere were three (3) transactions totaling $ [redacted] that posted to the account that day, resulting in an ending balance of $ [redacted] Per our funds availability policies, the $ [redacted] that was credited your account was not available for use until October 4, Although we work diligently to prevent fraud perpetrated against the Bank and all of its depositors every day, Fifth Third must also respect certain transactions initiated and requested by our customersFor this reason, funds from check deposits are typically available to spend in your account before we are able to verify if the check is validOn October 6, 2014, you transferred $ [redacted] from your checking account to your Access 360° Reloadable Prepaid CardThe ending balance in your checking account on October 6, 2014, was $ [redacted] The beginning balance in your checking account on October 6, 2014, was $ [redacted] The $ [redacted] check that you deposited on October 3, 2014, was removed from the account that day because it was not honored by the paying bankI apologize for the distress and inconvenience that this invalid check has caused youAs a result of the returned deposit item, we also assessed a $ [redacted] returned deposit item feeThe ending balance in your checking account on October 7, 2014, was negative ($ [redacted] )Because there were [redacted] funds to cover the returned item, a $ [redacted] fee was charged the next business dayThe ending balance in your checking account on October 8, 2014, was negative ($ [redacted] )On October 27, 2014, we transferred the $ [redacted] balance in your savings account to the checking accountThis reduced the negative balance to ($ [redacted] )We then charged off the negative balance of ($ [redacted] ), which included a $***charged-off account fee, and closed the checking accountWe sent the $ [redacted] balance owed to [redacted] for collection effortsThe balance owed to the Bank was also reported to [redacted] For your convenience, enclosed is a reference guide titled Fifth Third [redacted] Solutions that provides additional information related to the [redacted] fees that were assessed to your accountOur records do not indicate that you notified us of any potential fraud related to the $ [redacted] check you received, nor did you question the check’s validityWe were also unable to confirm that an employee at the financial center confirmed the check was valid and would be paidWe opened an investigation on October 6, 2014, regarding the returned depositAs a result of that investigation, we advised you that you are liable for checks that are deposited into your checking account if those checks are returnedPlease be advised that page fifteen (15), section twenty (20), of the Rules and Regulations explains that the customer is liable to the Bank for deposit items that are returned for any reasonTherefore, we have determined that the balance owed to the Bank for your checking account is validIf you would like to make payment arrangements regarding the balance owed, please contact [redacted] at [redacted] We appreciate your patience while we researched this matterIf I can be of any further assistance, please contact me at [redacted] Sincerely, [redacted] Consumer Resolution Specialist Office of the President Pc: Revdex.com Enclosures: Rules and Regulations, Returned Deposit Item, Deposit Slip, Fifth Third [redacted] Solutions

Please find attach our response we are sending to the customer today.We received a copy of letter with additionalconcerns filed with the Revdex.com regarding your installment loanaccountWe appreciate the time you have taken to express your thoughts andconcerns regarding this matterOn behalf of the Bank, please accept my sincereapologies for any frustration you experienced regarding this matter.In our original response, we mentioned the phoneconversation you had with our officeDuring that conversation, we discussedthat the Collection Department has several different options available to helpyou pay the loan in fullIn order to avoid your car being repossessed or yourloan being charged off, please contact Collection Manager [redacted] directlyat [redacted] Mr [redacted] can explain to you the options that we haveavailable so you can determine what will work best for you.You also requested a settlement in your letterto the Revdex.comOn January 14, there was a payoff lettersent to the above addressI apologize if you did not receive this letterIhave enclosed a copy for your recordsThe maturity date for your installmentloan is February 25, Again, I would suggest contacting Mr [redacted] at theabove phone number to discuss options available to youThe last payment receivedon this installment loan posted on September 5, The loan is currentlyfour (4) months past due.In a default scenario, your signed securityagreement states that the Bank may without notice may enter the premises ofBorrower and take possession of the Collateral on said premises or whereverfoundOn January 16, 2015, there was an attempt by the Bank to take possessionof your vehicleThe vehicle was located at [redacted] in [redacted] , OhioThe circumstances surrounding the attempted repossession ofthe vehicle have been reviewed by the appropriate parties and no proceduralerror was found.Your comments expressing less than qualityservice are very concerning and have been forwarded to the appropriatepersonnelWe appreciate your feedback as it assists us in identifying problemsand to continuously improve the level of service we provide to our customers.However, I cannot inform you of specific internal corrective action that may betaken to resolve this matter.We appreciate your patience while we researched this matterIf Ican be of any further assistance, please contact me, toll free [redacted]