PROCORPSA

[redacted]I apologize for the delay in getting back with you regarding this complaint.In this additional rebuttal, the customer does not provide any additional information and simply reiterates the same information provided in the two previous complaints.We have fully researched this matter and responded to the customer twice.We have explained that her name was on the account in question and the mailed statements and notices were addressed to her and sent to her address.Sorry again for the delay in getting back with you.Thank you,Lisa S. Fifth Third Bank Consumer 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.  There are two things that are not right:1.) I have e-mail documentation from 53rd Bank stating that they will in fact send me a pink slip, not just a lien release which does not let me sell my car in the future if I want to 2.) I paid off my car loan IN FULL in April. -Why has it taken at least 3 months and still nothing.  This has been very inconvenient for me and 53rd does nothing about it.
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: February 4, 2016 Regarding Your Mortgage Loan Application Dear [redacted]: We have received a copy of your complaint filed with the Revdex.com. Thank you for the time you have taken...

to express your concerns regarding this matter, and we sympathize with the difficulties you have experienced. Research has determined that you were conditionally approved for a loan with Fifth Third Mortgage Company. However, the property you had selected to purchase was appraised as non-conforming collateral. The subject area the property is located in is zoned as RM or Multi-family residential and if destroyed by a natural disaster would require a variance to rebuild it as a single family home. Rebuilding as a single family home is required under the mortgage you have applied for. Since you were conditionally approved for a mortgage loan with our bank, please let us know if you find another property that fits your needs. We would be more than happy to evaluate the property and see if it meets our conforming requirements. 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, Briggett F.Office of the President

[redacted] 
[redacted] 
[redacted] Date: April 28, 2016 Account [redacted] Regarding the Inquiry on Your Revdex.com Complaint Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning...

quarterly statements not being received since July 2015. We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, I apologize for the difficulties you have experienced. It was certainly not our intention to cause you any undue hardship or frustration. However, statements are mailed out on a monthly basis to provide current activity and payment due information. I reviewed your statements for the last year and confirmed with the installment loan department that statements are being mailed out each month to the address listed above. Additionally, for your convenience statements are available online at 53.com in the document center and I have enclosed copies of the statement issued from July 30, 2015 through March 29, 2016. We appreciate your patience while we researched this matter and apologize for any inconvenience this situation 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, Shannon K. Office of the President Enclosure: Statements

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.   
Per my original complaint and all subsequent complaints, Fifth Third has put in writing to me that my overdraft limit is $2500 but they still rejected numerous items and charged me fees.  Additionally, there are numerous instances where they rejected items, charged me a fee, the merchant re-presented the exact same charge, they charged me another fee but paid the charges, with no changes to my account between events.  They have made no effort to address these issues except by restating what they already told me which was that they are standing behind their original decision.  Because they formally stated that my overdraft protection is $2500, but they denied transactions less than this and charged me fees, I would like all the fees from October to-date refunded and an exact and formal explanation of how my account will be managed going forward.
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]

Please find attached copies of the letters mailed to the customer from the mortgage department regarding the necessary rescore (credit pulls). Please find attached copies of the responses we have mailed to the customer. The customer has not brought any new concerns to our attention, and we feel the attached responses have appropriately addressed her concerns. Thanks.  Pat S.Customer Care Team SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOPCincinnati, OH 45263

[redacted]Date: August 19, 2015Account:           [redacted]Regarding Your Checking AccountDear [redacted]:We received a copy of the complaint filed with the Revdex.com regarding your checking account....

We appreciate the time you have taken to document your concerns regarding this matter.On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience this matter may have caused you. It was certainly not our intention to cause you any frustration or undue hardship. We strive to provide professional and accurate information to our customers, and I am sorry if that has not been your experience.Overdraft protection automatically transfers funds from a Fifth Third Bank savings account, credit card, or equity line to cover items that overdraw your checking account. With overdraft protection, we charge a transfer fee of $12.00 for each transfer versus an overdraft fee of $25.00 or $37.00 for each posted item that overdraws your account. Please be aware that overdraft protection will cover all types of transactions when the available checking account balance is insufficient.In contrast to overdraft protection, some of our deposit accounts have overdraft coverage for ATM (Automated Teller Machine) transactions and one-time debit card transactions. Overdraft coverage allows a customer to access funds beyond the balance in their account for emergency cash needs. According to Federal Regulations, customers have the option to choose whether to continue having overdraft coverage on their checking account. Overdraft coverage may be declined verbally by calling our Consumer Contact Center at ###-###-####, or visiting one of our local Banking Centers, or via our Internet Banking at www.53.com. After further review of your checking account, we confirmed that you accepted overdraft coverage via our Internet Banking on June 18, 2010, at 11:06 a.m. EST.If the available balance in your checking account is not sufficient to cover items that post and there is an insufficient available balance in your ready reserve account, the posted items may be returned unpaid and subject to overdraft fees. The per item overdraft fee is based on the number of occurrences in the last twelve (12) months. For the first occurrence, you will be charged $25.00 per item. For any additional occurrence, the charge is $37.00 per item. Should 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 transactions. I have enclosed a copy of our Rules & Regulations handbook that you received and agreed to when signing a signature card to open the checking account. Pages 2, 11, and 12 provide additional information regarding overdraft and the related fees.On July 27, 2015, your account balance in your checking account was positive $34.57. One (1) item in the amount of $71.96 posted to your account. Although you had overdraft protection, there were insufficient available funds on your Ready Reserve account ending in 6207 to cover the item presented. Therefore, your ending balance in your checking account was negative ($37.39). Due to insufficient funds, we assessed one (1) overdraft fee of $37.00 to your account the following business day.On July 29, 2015, your account balance was negative ($74.39). Two (2) items totaling $45.02 posted to your account. Your ending account balance was negative ($119.41). Two (2) overdraft fees of $37.00 each posted to your account the following day.On August 4, 2015, your account balance was negative ($193.41). You had a debit in the amount of $36.07 post to your account. Due to insufficient funds, one (1) overdraft fee of $37.00 posted to your account the next day.On August 5, 2015, your account balance was negative ($229.48). One (1) transaction for $4.98 posted to your account. Your account balance was negative ($271.46). Since you did not have enough funds to cover this transaction, your account was charged an overdraft fee of $37.00 the following day.It is important to ensure that your account has enough funds to cover all of the transactions you have authorized. However, in the interest of customer service, on August 12, 2015, $74.00 of the overdraft fees charged to your account were waived. You will see the credit to your account on your next statement.We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this matter may have caused your client. You are a valued customer and we sincerely hope that you will continue using Fifth Third Bank for your financial needs in the future. 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,Lisa S.Office of the PresidentPc: Revdex.comEnclosure: Rules and Regulations

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 appreciate the inquiries for the loan being removed. But my concerns and grievance still remains.
At the initial review of the appraisal no concerns about the non-conforming property were mentioned. Even after multiple visits and/or phone calls with the lender about items needed for the application nothing was mentioned as a problem from the underwriters. It wasn't until the appraiser suggested a lower value of the property and it was RESENT that there was a problem with underwriting approving the loan. If I had been made aware of issue with the non-conforming property after the initial application was sent to underwriting I would not have not pursued the property and hired an inspector. I feel that the bank did not follow protocol and caught their mistake during the 2nd underwriting. I was told one week before closing that the property was non-conforming. I do not feel that I should have to pay for the banks mistake. I wish to be reimbursed for the application fees, appraisal fees, and the funds I dispersed for a home inspection and radon testing for a property that did not meet the banks guidelines.
Regards,
[redacted]

[redacted] Date: July 28, 2017 Regarding Your Recent Credit Card Application Dear [redacted]: We received a copy of the additional comments you submitted to the Revdex.com. We strive to provide quality service to all of our customers, and I apologize if we failed to meet your expectations. On July 7, 2017, we received your online application for a Fifth Third Bank credit card. While we would like to extend credit to each borrower that applies, it is not always possible for us to do so. We carefully reviewed your credit profile; however, it did not meet our current criteria for lending. On July 21, 2017, we sent a notice to the address on file informing you of our reasons we declined your credit card request. Specifically, these reasons were: ** Insufficient credit references; ** Serious delinquency, and derogatory public record or collection filed; ** Proportion of balances to credit limits too high on revolving accounts. We already confirmed for you that there has been no negative credit reporting of your Secured [redacted] ending in [redacted] as of July 11, 2017. Additionally, the account is correctly reporting as “Closed at Consumer’s Request.” Your [redacted] credit report was used for this application. While we are unable to provide you with any additional information contained within that consumer-reporting agency’s report, you have the right to know the information contained in your credit file. Information on how to contact [redacted] and request a free copy of your report is provided on the enclosed notice. Please note that a past denial does not mean that future credit card applications will be denied. You are welcome to re-apply at any time. A future application will undergo our standard review according to current underwriting guidelines in order to ensure fair and responsible lending. If you believe that your circumstances have changed and you would like to apply for a credit line, we encourage you to contact us at ###-###-####, online at 53.com, or visit your nearest Fifth Third Bank Financial Center. I understand your frustration when this situation occurred and I am sorry for any inconvenience this matter 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, Alison S.Office of the President PC: Revdex.com Enclosure

[redacted] [redacted] [redacted] Date: July 13, 2016 Account: [redacted] Account: [redacted] Account: [redacted] Account: [redacted] Regarding Your Checking and Savings Accounts Dear [redacted]: We received a copy of your complaint filed...

with the Revdex.com (Revdex.com) regarding your checking and savings accounts. We appreciate the time you have taken to express your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. On May 6, 2016, you called our Customer Service Department and spoke to a representative named Robin. You told Robin that you had one (1) checking account and three (3) savings accounts that you had not used for a year and you wanted to close them. Robyn explained that the accounts have to have a zero (0) balance to be closed. She verified that you do not live near any Fifth Third Bank locations. She advised she could send you a closure request form and that we would close the accounts specified after receiving the form back. We would also send a cashier’s check to you for the balance in your accounts. You agreed to this process and Robyn sent the form to you using the address you verified was correct. I was unable to locate record of a previous attempt to close your accounts with the Bank. I was also unable to locate record of additional conversations with our Customer Service Department after May 6, 2016. I am sorry for any distress this may cause you. Personal Banker Odette O. closed your savings accounts ending in [redacted], and [redacted] on June 20, 2016. I confirmed that she closed the accounts per the closure request form that you submitted to the Bank. Ms. O. transferred funds totaling $3.96 from your savings accounts to the checking account. The balance in your checking account increased to $38.70. Ms. O. issued a $38.70 check to your address listed above. If you have not received this check, please contact me directly using my phone number listed below. Ms. O. advised she closed your three (3) savings accounts as well as your checking account that day. However, a review of your checking account does not show an attempt to close the account on June 20, 2016. After the cashier’s check was issued, the balance in your checking account was zero (0). The $11.00 monthly service charge for the checking account processed that day, which resulted in an ending balance of negative ($11.00). The checking account remained open with a negative ($11.00) balance. No additional fees were assessed. Personal Banker Carlos R. advised you called his banking center on June 28, 2016, regarding your accounts. You told Mr. R. that you had been attempting to close the accounts for a long time and you were previously told they were closed. However, your checking account reflected as open with a negative balance. Mr. R. waived the $11.00 monthly service charge and closed your account that day. As of June 28, 2016, you no longer have any open accounts with Fifth Third Bank. [redacted], I am very sorry that your checking account was not closed the same day as your savings accounts. Please be assured that I have contacted the relevant Bank personnel regarding this matter. I also appreciate your feedback to the Bank regarding the difficulties you experienced as it assists us to identify problems so we can improve the level of service we provide to our customers. Your complaint indicated you requested to close your accounts on multiple occasions and because the checking account was not closed, you continued to have $11.00 monthly service charges assessed to your checking account. I was unable to locate a request to close your accounts prior to May 6, 2016. There was an $11.00 monthly service charge assessed on May 18, 2016, and another $11.00 monthly service charge assessed on June 20, 2016. The $11.00 service charge from June 20, 2016, was waived off the account. If you are able to provide additional information, such as the names of the people you spoke to or the dates you spoke to them, I would be happy to further research your concerns. 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

[redacted]        Date:  June 6, 2017       Account:   [redacted] Regarding Your Fifth Third Bank Checking Account Dear [redacted]:  We received copies of the...

complaint you filed with the Revdex.com and the [redacted] regarding the joint checking account with your daughter ending in [redacted]. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured that Fifth Third Bank takes your feedback seriously and I appreciate this opportunity to respond to your concerns.   We are continually working to ensure the funds from your deposits are available in a timely manner. When you agreed to the Bank’s Digital Services User Agreement, which includes the terms and conditions for Mobile Deposit, you received information that explains cut-off times and the availability of funds deposited into your account. This document is also available on 53.com. I have enclosed a copy for your convenience. On pages six (6) and seven (7), it provides the following information regarding Mobile Deposits made using the “Immediate Funds” service: The cutoff time for Mobile Deposits is 8:00 p.m. Eastern Time (ET).  Mobile Deposits made using the “Immediate Funds” service before 8:00 p.m. ET are immediately available to make purchases, withdrawals, and cover any pending items that may post to your account that evening, such as utility or other electronic payments.  Mobile Deposits made using the “Immediate Funds” service between 8:00 p.m. and 9:00 p.m. ET are immediately available to make purchases, withdrawals, and cover any items that may post to your account that business day, such as utility or other electronic payments. The deposit transaction will reflect on your account statement as occurring on the following business day Mobile Deposits made using the “Immediate Funds” service after 9:00 p.m. ET, funds are immediately available to make purchases and withdrawals; however, the funds deposited will not be available to cover any items that may post to your account that business day, such as utility or other electronic payments. The deposit transaction will reflect on your account statement as occurring on the following business day. Customers may also refer to the cutoff times and funds availability details located within the deposit section of the mobile app. Overdraft fees post to your account the day after the account activity that caused them. Your mobile deposit of $35.00 was made on December 6, 2016, at 12:46 a.m. and posted that day. The mobile deposit needed to have been made by 9:00 p.m. on December 5, 2016, to avoid the two (2) overdraft fees caused by the debit card activity that posted that day.  A debit card dispute was filed for three (3) transactions totaling $21.49 on January 18, 2017, and the case number [redacted] was opened by the Disputes Resolution Department. A credit was issued to the checking account for the disputed items on January 23, 2017. The credit of $21.49 was considered final. In addition, the account was credited for three (3) $37.00 overdraft fees related to the disputed debit card activity. After these credits, the account balance was negative ($131.56).   If an account remains negative for fifty-five (55) days, we will close it, report it to ChexSystems (a consumer reporting agency) and send it to a third (3rd) party collection agency. The checking account ending in [redacted] became overdrawn December 5, 2016. It was charged off on January 31, 2017, with a negative balance of ($161.56).  In order to see what the running account balance would have been without the three (3) disputed debit card transactions, I made the enclosed spreadsheet. Even if the three (3) debit card purchases totaling $21.49 never posted to the account, it would have still become negative on December 12, 2016. As there was no further activity in the account, it still would have been charged off for ($124.56).  As a result of this review, we are unwilling to remove the charge off balance or to remove the account ending in [redacted] from ChexSystems reporting. You will need to contact [redacted] to make a payment arrangement. They can be reached toll-free at ###-###-####, Monday and Thursday, 8 a.m. to 7 p.m., ET, and Tuesday, Wednesday, and Friday from 8 a.m. to 5 p.m. I hope that this information helps to reassure you that the Bank has properly serviced your accounts. You are a valued customer and we look forward to continuing our relationship with 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,      Alison S.Office of the President  Pc: Revdex.com; [redacted]  Enclosures

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12059960, and have determined that this does not resolve my complaint.   
I would like to be compensated for the time (13 months) in which it took for this to be resolved. A refund of the money owed to me is not sufficient.
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 sent the voice recording as requested and have received no follow up or response, it's been more than a week and I am somewhat frustrated. Would like a followup response. Thank you.
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.  Their response was just a restatement of their previous position without regard to the individual needs of an 88 year old customer without computer or telephone skills.  That is the same position taken by the staff at the branch.  We would like to remain customers, but we feel that justice demands that this issue be resolved completely in our favor and a complete refund of all dormant and monthly fees totaling $278, which has been wrongfully retained by Fifth Third Bank.
Regards,
[redacted]

[redacted] Date: October 24, 2017 Checking Account: [redacted] Regarding Your Disputed Transaction Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to...

hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. We strive to provide quality service to all of our customers and I am sorry for your unsatisfactory experience during your previous attempts to resolve this matter. A charge of $626.88 was made with the joint account holder’s debit card ending in 3937 on June 26, 2017. The related checking account was closed on July 31, 2017. There was no transaction dispute filed with the Bank because you resolved the matter directly with the merchant. When the merchant issued a credit of $626.88 to the debit card on September 16, 2017, it stayed on the card. The checking account was reopened at your request on September 16, 2017, by your local Financial Center with the expectation that the credit would automatically move over to it; however, a manual adjustment was required. You contacted the Bank on October 2, 2017, to request that the funds be moved into the checking account. The agent you spoke with advised you that the funds would be moved within three (3) business days. Your follow-up call on October 9, 2017, triggered another adjustment request to move the credit from the card into the checking account. The credit posted into the checking account on October 16, 2017. The checking account ending in [redacted] was not overdrawn during this interval and no fees were charged to the account. I understand your frustration regarding this situation and I am sorry for any inconvenience this matter caused you. Please be assured we have researched this matter fully, and passed your concerns on to the Bank’s senior management. The checking account ending in [redacted] remains open with a balance of $3.47. If your intention is to have that checking account closed, please contact me using the information below and I would be happy to assist you further. 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

Problem: Jennifer M. Contacted Me Several Times The Week Of The 17th- 21st, 2017 Concerning The Free Membership For The Identity Alert Protection. I Register / Enroll Online As Instructed Due To Jennifer M. Canceled Out My Identity Alert For 6.00 Per Month So I Could Enroll For The Free Membership Once I Did That The S S N And Public Records Were Locked. I Notified Jennifer M. About This Matter And Was Told I Would Have To Go In Person To 5/3. Online I Was given My New Membership Number And New Password. And Was Logged In. Now I Can't Get Help With The S S N And Public Records Being Locked Because 5/3 Wants To Pass The Buck Again. I Went To Register My S S N Yet It Would State Did Not Know This S S N Number. 5/3 Is Nice People Yet It's Hard To Get Them To Help You With Something Important As ThisDesired Outcome: Honor The Free Membership For 1 Whole Year Keep My Identity Alert For 6.00 Cancelled. Just Give Me The Free Membership And Have It set Up For Me. Set The Free Membership Up For Me And Please Let The 5/3 Bank In [redacted] Know that My New Identity Alert Account Will Be Set Up For Free For 1 Year As The Letter Dated 06/14/2017 . Due To Fraud. No Games To Be Played Please. Like Passing The Buck. No No! Thank You. Jennifer M. Is To Honor The Free Membership In Which I Had Earned. 0.0

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. 
this rebuttal essentially just repeats the first response. Nowhere do they address the fact that they sent me the $400 payment they claim to have no record of. Also, any rep from their company is aware of both payments yet the person responding to a Revdex.com complaint doesn't have the information that an agent has access to? This is an untrustworthy, unethical business that I will encourage anyone I can to never do business with.I am truly disgusted by their practices and lack of decency through out this. 
Regards,
[redacted]

[redacted] Date: October 2, 2015 Account: [redacted] Regarding Your Business Debit [redacted] and Business Checking Account Dear [redacted]: We received a copy of your rebuttal recently filed with the...

Revdex.com. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Please accept my sincere apology that our prior responses did not answer all of your questions or resolve this issue to your satisfaction. On April 15, 2015, a purchase was processed on your business debit card with a company called [redacted] in the amount of $1,333.20. On May 14, 2015, you filed a dispute for this purchase, indicating that you did in fact sign up with [redacted]; however, the charge for $1,333.20 was not authorized by you and you did not receive goods or services related to this charge. A case was opened with our disputes department and assigned a case number ([redacted]). The Bank started an investigation into the disputed charge and contacted the merchant, notifying them that you were disputing the purchase and charge to your account. The Bank is required to follow [redacted] Terms and Conditions when disputing a charge on a [redacted] account. Those terms state that the merchant has a certain amount of time to respond to your dispute and provide proof that the charge in question was authorized by the account holder. During that time, the Bank will issue provisional credit to our account holder; however, if their research does not support your dispute, the provisional credit will be removed from your account. On July 23, 2015, the Bank issued provisional credit to your account in the amount of $1,333.20. On August 25, 2015, the Bank mailed you a letter indicating that we completed our investigation and your dispute was being denied because the merchant verified the charges as valid. The letter also indicated that provisional credit would be removed from your account on August 26, 2015. Unfortunately, when the disputes department attempted to debit your account for the provisional credit, the account had been blocked for fraud and the debit didn’t process correctly. Instead, the debit was placed in our holdovers account for research and your account was never debited. After researching your Revdex.com rebuttal and the documentation provided by the merchant, the Bank issued a second chargeback with this merchant that was mailed to them on September 30, 2015. The merchant bank has forty five (45) days to respond. If the merchant bank continues to dispute our claim that you did not authorize this purchase, the dispute will go to Arbitration for [redacted] to rule on. If they do not continue to dispute our claim, you will be given final credit for the dispute. At this time, we will not be debiting your account, as we indicated in the letter mailed to you on August 25, 2015. If you have questions regarding the second chargeback or the provisional credit, please contact Jenna V., Disputes Servicing Specialist, at ###-###-####. [redacted], in your rebuttal with the Revdex.com, you state that the Bank failed to issue credit to you for the disputed charge for around two (2) months; even though regulations require us to issue credit within five (5) days. Regulation E (Electronic Funds Transfer Act) covers disputes regarding unauthorized transactions on personal consumer accounts that involve the use of a personal consumer card. As I stated in my prior responses, those regulations do not apply to business accounts and business debit and credit cards. All of your accounts with Fifth Third Bank are Business Checking Accounts and Business Debit Cards and are not covered by the Regulations you reference in your complaint. Although the disputed charge in question is not covered by Regulation E, Fifth Third Bank makes every effort to assist our cardholders in resolving these merchant disputes by working directly with the merchants. Our policy to assist our cardholders with these types of disputes has a completion time of up to 120 days, which I have indicated in several of my previous responses. On behalf of the Bank, please accept my sincere apologies if I failed to clearly explain the Regulation or our policy regarding disputes not covered by the Regulation in my prior responses. 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, Jennifer C. Office of the President Pc: Revdex.com Enclosure: Disputes Resolution Letter, mailed on August 25, 2015

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]