PROCORPSA

[redacted] [redacted] [redacted] [redacted] Date: July 28, 2017 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding...

your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. Thank you for taking the time to speak with me on July 14, 2017, 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. If a payment does not post by the due date, it is subject to collection activity. The Bank’s guidelines for contacting customers allow for telephone calls seven (7) days a week from 8:00 a.m. until 9:00 p.m., including holidays. Several calls may be placed each day in an effort to remind customers that a payment is due and to obtain payment arrangements to prevent late fees or derogatory credit bureau reporting. Upon receiving your complaint, we reviewed your call with the Collection Department on July 10, 2017. In error, the collection agent stated you were blocked from your internet banking due to being past due on your installment loan. As we discussed during our telephone conversation on July 14, 2017, your online access was established with a non-plastic Automatic Teller Machine (ATM) card. The Bank uses the non-plastic ATM to provide a card number to our customers that do not have a deposit account with the Bank. Because you had not logged into your online banking profile for six (6) months, the card was closed due to inactivity. Therefore, when you attempted to view your account online, you were unable to access your account. On July 14, 2017, I assigned a new non-plastic ATM account number to your profile and you were able to access your account online. I apologize for the misinformation provided to you on July 11, 2017, and I trust our phone call on July 14, 2017, resolved the online access issue. For your records and convenience, please find enclosed a copy of your payment history. Your payment of $397.79 is due on the twenty-first (21st) day of every month. Please use the enclosed payment breakdown as verification of your payment history. Included in the payment breakdown is the date your payment posted to your account and the number of days past due your payment was received. In addition, the breakdown provides an explanation to the late charges that have been assessed to your installment loan. As mentioned in the paragraph above, your regular monthly payment is $397.79. As noted in the enclosed payment breakdown, you made a payment of $392.00 beginning with your March 25, 2016, through your payment made on October 18, 2016. If you have questions regarding your payment history, please contact me at the telephone numbers below, and I will be happy to assist you. Our review of your installment loan determined you have not satisfied your payment due on June 21, 2017. On July 3, 2017, a delinquency reminder was mailed to you, which incorrectly stated your past due amount was $407.97. However, the document did correctly inform you that you were delinquent for your payment due June 21, 2017. Your payment received on June 16, 2017, did not satisfy the total amount due by June 21, 2017. The payment was short $57.43. I do apologize for the misinformation and we are currently working with the relevant parties within the Bank to update the delinquency notice. However, as you mentioned in your complaint, the Collection Department did correctly inform you that you are currently past due for your June 21, 2017, payment. The Bank received your payment of $408.00 on July 20, 2017. This payment satisfied the $57.43 still owed on your June 21, 2017, payment. To bring your account current, you will need to make a payment of $73.51 by July 31, 2017. This payment includes the amount owed to satisfy your July 21, 2017, payment ($57.22) and ten (10) days of interest accruing at $1.81 per day. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com Enclosure: Payment history, Payment breakdown, Delinquency Notice 7-3-17

[redacted] 
[redacted] 
[redacted] Date: August 27, 2015 Account: [redacted] Regarding Your Established Checking Account Dear [redacted]: We received a copy of the additional complaint you filed with the Revdex.com concerning your Established Checking account. I apologize if our first response did not address all of your concerns. Overdraft coverage allows a customer to access funds beyond the balance in their account for emergency cash needs and youhave the option to choose whether to continue having overdraft coverage on your account for ATM (Automated Teller Machine)transactions and one-time debit card transactions per federal regulations. Your account was originally opted in for overdraft coverage when the account was opened on October 13, 2011. As our previous response detailed, your overdraft coverage wasdiscontinued per your request on August 8, 2015. In contrast to overdraft coverage, 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 daily transfer fee rather than an overdraft fee for each posted item that overdraws your account. You accepted Overdraft Protection in March 2012 with your Relationship Savings account ending in [redacted] for purchases when your checking account had insufficient funds. Please note during the time the account was covered by overdraft protection, the debit card and ATM transactions that overdrew the account were not assessed per item overdraft fees. As our previous response detailed, your overdraft protectionwas discontinued once the savings account was closed on July 21, 2015. Overdraft notices are sent to you the following business day from the overdraft occurrence at the address on file. I am sorry for any delay you may have experienced in receiving these. However, please note you may also view your available account balance via the ATM, on the internet at 53.com, alert via text message, and by calling our automated customer service line at ###-###-####. We completed an additional review of the overdraft fees that were assessed to the account. In total, $703.00 of overdraft feeswere assessed as a result of debit card and ATM transactions from July 21, 2015, through August 6, 2015. As previously mentioned, on August 8, 2015, we reversed $150.00 of overdraft fees back into the Established Checking account. In the interest of customer service, on August 27, 2015, we reversed the remaining $553.00 of overdraft fees back into the Established Checking account. I am sorry for any frustration this matter has caused you. 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 ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, April Q. Office of the President Pc: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
The bank has stated that the disputed transaction is valid based on information supplied by the merchant.  I had several conversations with the bank's dispute department in which I pointed out that a charge may appear valid if my account was hacked.  I don't doubt that the evidence provided by the merchant appeared valid.  However, my wife submitted an affidavit stating that the transaction was not authorized by us.  Despite the information provided by us in the affidavit and my several telephone discussions with the disputes department, the bank has refused to work with us to resolve this issue and has put the burden on us to try and get our money back from the merchant directly.   I don't doubt that the bank is within their rights to deny us this claim.  I also don't doubt that the bank has the ability to fix this error.  It is clear to me that the bank has no interest in making this right for us despite months of telephone calls and a good faith effort on my part to provide the bank with sufficient evidence of the fraud we experienced.  Consequently, I have decided it is not worth the stress and frustration to pursue the matter further.  I have closed my account with the bank and will not do business with them again.To summarize, I would like to make the following points regarding this experience:1.  By keeping our money at the bank, we put our trust in them to keep it safe.  They did not.2.  In the event that our money is not kept safe, we put our trust in them that they will make us whole.  They did not.3.  When communicating my concerns to the bank, I expect clear consistent communication on their part.  During this process I felt that the bank was using a different reason every time they told me they would not give us our money back.4.  The bank's final correspondence stated that they could still refund our money unless the charge is considered valid.  We stated unequivocally and on many occasions that the charges were not valid.  The bank has made it clear that they will not pursue the issue further despite our assertions.  I do not feel that they have made a reasonable effort to look after our interests.
Regards,
[redacted]

[redacted]Date: April 14, 2016Account:      [redacted]  Regarding Your Installment LoanDear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding your vehicle loan. We appreciate...

the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, I would like to offer our sincere apologies for any frustration this matter may have caused you. Please be assured that we have contacted the relevant parties to research your loan and passed on your concerns. We make every effort to offer assistance options to eligible customers in as timely a manner as possible, and sympathize with the difficulties that you have encountered.Our records indicate that you spoke to our Loss Mitigation Department regarding your installment loan in January 2016. On January 20, 2016, your loan was approved for a one month deferment plan and the Deferment Agreement was emailed to you to be signed and returned. The deferment plan was then cancelled due to a returned loan payment. The payment received on January 15, 2016, in the amount of $852.17, was returned and reversed off your loan on January 20, 2016. Our Loss Mitigation Department attempted to contact you regarding the returned payment and the cancellation of the deferment agreement. However, our records show they were unable to reach you by phone. On April 1, 2016, we received a payment of $4,054.30. This payment brought your installment loan current and cancelled the repossession of the 2011 Ford truck held for collateral. As of today, your loan remains current with a partial payment of $285.77 due on April 18, 2016. Our records also show that your vehicle insurance was cancelled in November 2015 and the insurance coverage on your vehicle lapsed. Full coverage vehicle insurance is required throughout the life of the loan. We work with a third party insurance vendor to research and monitor the insurance coverage. If it is determined that full coverage insurance is not in place for the related vehicle, an insurance policy will be placed and the insurance premium will be added to the loan. Should we receive proof of insurance after that time; the insurance premium added to the loan will be removed and the monthly payments will be adjusted to the original payment amount.On November 23, 2015, December 14, 2015, and January 26, 2016, our insurance center mailed notification letters to the address we had on file to inform you that we had not received proof of insurance for your vehicle. I have enclosed copies of the letters sent for your review. Since we did not receive proof of insurance from you or your insurance company, on February 10, 2016, force placed insurance costing $2,261.00 was added to your loan. As a result, your monthly loan payment increased to $1,134.80. Once we receive proof of valid insurance coverage for your vehicle, your loan will be adjusted and your monthly payment will be reduced. Please contact our insurance center at ###-###-####, Monday through Friday, 7 AM EST to 8 PM EST, and provide the reference # 482-089-32. Thank you for your patience while waiting for a response as we conducted our research. 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 may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,  Lisa S.Office of the PresidentPc: Revdex.comEnclosures: Insurance notices

[redacted] Date: February 1, 2017 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your checking account. We appreciate...

the time you have taken to document your thoughts and concerns regarding this matter, and we sympathize with the difficulties you have experienced. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties in the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. In the spirit of customer service, we waived the additional $62.00 in overdraft fees that were assessed to your account ending in [redacted] January 10, 2017, through January 12, 2017. I truly hope this resolution meets your satisfaction. I also want to help you understand how items are posted to your account and how fees are assessed to help you avoid overdraft fees in the future. Fifth Third Bank processes transactions at the end of each business day. This does not include Saturdays, Sundays, and Federal Holidays. Transactions are posted in the following order: 1. Credits and deposits made prior to the end of day cut-off time and subject to our Funds Availability Policy. 2. Time-stamped debits, such as ATM (Automated Teller Machine) withdrawals and debit card purchases, in the order in which they are received. 3. All other debits, including checks and electronic bill payments, in the order of largest amount to smallest amount. 4. Fees and service charges in the order of the largest amount to the smallest amount. Debit card and Automated Teller Machine (ATM) transactions are time-stamped debits and are pre-authorized by us at the time of card use and appear in your account as pending items until they are posted. Other debits such as checks and electronic bill payments are not pre-authorized by us and do not include a timestamp. Therefore, these items will not appear as pending during the day because they are collected during overnight processing. These transactions will post to the statement for the business day they were presented for payment from Fifth Third Bank, the day the payments were authorized by you to be paid. As the customer you are in the best position to know what checks and electronic payments were authorized by you and outstanding on your account. I have enclosed a copy of our current Rules and Regulations for your review. Pages eleven (11) and twelve (12) provide additional information regarding our transaction posting order. On January 9, 2017, the beginning balance in your account was $748.41. Two (2) credits totaling $0.09, and ten (10) debits totaling $953.12 posted to your account on that day. The debit items included six (6) debit card purchases, three (3) ATM withdrawals, and one (1) web initiated payment. Your account had a negative ending balance of ($204.62). When you viewed your account via Mobile Banking on that day, you would have seen the debit card purchases and ATM withdrawals as pending transactions on your account because those types of transactions are time-stamped. However, you would not have seen the web initiated payment as a pending transaction because those types of transactions are not time-stamped and do not appear in your account until they are posted at the end of the business day. Due to insufficient funds for the web initiated payment, one (1) overdraft fee of $25.00 was assessed and posted to your account the following business day. On January 10, 2017, your account had a negative beginning balance of ($204.62). Three (3) credits totaling $209.70 and three (3) debit items posted to your account on that day. The debit items included two (2) web initiated payments and the overdraft fee assessed for the previous business day. Your account had a negative ending balance of ($45.40). Due to insufficient funds for both web initiated payments, two (2) overdraft fees totaling $74.00 were assessed and posted to your account the following business day. Again, please keep in mind that you would not have been able to see the web initiated payments as pending transactions on your account because those types of transactions are not time-stamped. On January 11, 2017, your account had a negative beginning balance of ($55.40). One (1) ATM deposit of $10.00 was credited to your account and three (3) debit items totaling $84.48 posted to your account on that day. These items included one (1) debit card purchase, one (1) web initiated payment, and the overdraft fees assessed for the previous business day. Your account had a negative ending balance of ($129.88). Due to insufficient funds for the web initiated payment one (1) overdraft fee of $37.00 was assessed and posted to your account the following business day. On January 12, 2017, one (1) ATM deposit of $120.00 and two (2) overdraft fee waivers totaling $74.00 were credited to your account bringing your account to a positive balance. I have enclosed copies of the overdraft notices we sent to you for your review. For your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides information regarding the fees assessed to your account, Overdraft Protection options, and Overdraft Coverage options. Our records also show that you declined Overdraft Coverage for ATM and everyday debit card transactions which means if you attempt to authorize your debit card beyond the balance in your account the transaction will be declined. You have the ability to change your Overdraft Coverage preferences for ATM and everyday debit card transactions online at 53.com, at any Fifth Third Bank banking center, or by calling customer service at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., and Saturday, 8:30 a.m. to 5 p.m., ET. Thank you for your patience while we researched this matter for you. It is a well-known fact that no business can survive without its customers, and we want to assure you that we truly value your banking relationship with us. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.Office of the President Pc: Revdex.com Enclosures: Rules and Regulations, Overdraft Notices, Overdraft Solutions Document

[redacted] [redacted] 
[redacted] 
[redacted] Date: October 13, 2015 Account: [redacted] Regarding Your Overdraft Fees Dear [redacted]: We received a copy of your continued communication with the Revdex.com concerning the overdraft fees you recently accrued on your checking account ending in [redacted]. I appreciate the time you have taken to further communicate your thoughts and concerns. We initially received a copy of this complaint on September 23, 2015. October 1, 2015, we received a similar complaint from you on this matter; however, we stand by the response conveyed to you in the previous letter sent on September 30, 2015. I have enclosed a copy of that prior correspondence for your review. Our position on this matter has not changed. Regarding your requested explanation of the posting order involving your direct deposit of $602.97, our records indicate this deposit posted on September 22, 2015. Your electronic payment to [redacted] was made by Fifth Third on September 21, 2015, as you had authorized. The item posted to your account for that business day during overnight processing along with your debit card purchases. We apologize for any misunderstanding there may have been, but the items that caused the overdraft in question were requested to be paid on the prior business day, not Tuesday September 22, 2015. [redacted], I appreciate this opportunity to further address your concerns and thank you for your patience while waiting for a response. If I could be of additional assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S. Office of the President Enclosure (1): Previous Response Letter

[redacted] 1[redacted] Date: June 14, 2017 Account: [redacted] Regarding Your Fifth Third Bank Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Better Business...

Bureau (Revdex.com) regarding your checking account. 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. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As we discussed on June 12, 2017, the Dispute Resolution Department (DRD) has concluded the investigation for case [redacted]. Please find enclosed a copy of the letter sent to you on June 8, 2017, informing you that the case had been approved. During our telephone conversation you confirmed you had removed the refunded money from your checking account. As of June 12, 2017, the account remains open with a zero (0) balance. Any additional questions regarding your dispute can be addressed with our DRD. A Customer Service Representative is available at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m. Saturday, 8:30 a.m. to 5 p.m., ET. Please have your case number ([redacted]) available when talking with the agent. Once a year, you can receive a free copy of your credit report from the four (4) credit reporting agencies. If you would like to contact the credit reporting agencies directly, their contact information can be found below: [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### [redacted] ###-###-#### We strive to provide professional and accurate service to our customers, and I apologize for any inconvenience this may have caused you. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: DRD approval letter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  Regards,
[redacted]   I have already been in contact with fifth third office of the president. Shawna is helping me with this matter and has completely reversed all charges and have been no further charges as should have been done in the first place. She said she would send me a letter by mail to say that she had fixed a problem with my account , in my favor. Secondly, I have never been in or communicated with anyone at Fifth Third Main in [redacted].  I don't even know where that branch is so, stop sending me letters saying that I vistited Fifth Third Main.  I'm in process of writing a letter to the Federal Reserve regarding what I was told about regulation E from Fifth Third Bank.  Your policy CANNOT trump regulation E.  I notified you well before your drafted my account.  There is a difference between stop payments and revocation of authorization for and account, and I told heather this and she didn't care to hear it.  Thank you

[redacted] Date: February 28, 2018 Regarding [redacted] Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com regarding a check drawn on [redacted]...

[redacted] checking account. We appreciate the time you have taken to document your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. I want you to know that feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As you are not a co-signer on the account in question, we are unable to share any details concerning this account with you. I apologize for any inconvenience this may cause you. Please be aware that we responded to your complaint in detail and mailed a response to [redacted]. 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 ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Jennifer M.Pc: Revdex.com

[redacted] [redacted] [redacted] Date: March 23, 2016 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com concerning a...

recent mobile deposit to your checking account and the overdraft fees assessed to your account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, I would like to offer our sincere apologies for any inconvenience the delay in resolving this matter may have caused you. When someone contacts the Bank we expect that each situation will be taken care of in as timely a manner as possible and we regret any difficulties you may have encountered. Your comments expressing less than quality service are very concerning. Our goal is to provide professional and accurate service to our customers and I am sorry if that has not been your experience. You mentioned in your complaint that you made a check deposit via Fifth Third Mobile Banking after 9 PM Eastern Standard Time (EST) on February 29, 2016. Our records indicate the mobile deposit was made at 9:16 PM EST. If a deposit is made after 9 PM EST, the deposit transaction will post to your account on the following business day. This was disclosed to you in our Digital Services User Agreement in which you agreed on our internet banking website, www.53.com. I have enclosed a copy of this agreement for your review. We are continually working to ensure that the funds from your deposits are available in a timely manner, while meeting all federal regulations. The Federal Government establishes guidelines regarding the handling of deposits, which are in place to protect you as the consumer, and the Bank from loss or possible fraud. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately; the remaining funds will be made available on the next business day. 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. Our Funds Availability policy is covered in the Rules and Regulations document that was provided to you when you opened your account. A copy is also available for review on 53.com. The mobile deposit of $298.58 that you made after the cut off time on February 29, 2016, posted to your checking account on March 1, 2016. However, only $100.00 was available in your account that day. 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 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 occurrences, the charge is $37.00 per item. On March 1, 2016, your beginning checking account balance was $72.86. The mobile deposit of $298.58 posted to your account, however, only $100.00 was immediately available. Two (2) web initiated payments totaling $216.00 posted to your account. Since the available balance in your checking account was not sufficient to cover the items that posted, your checking account was charged two (2) overdraft fees of $37.00 each on the following day. I have enclosed a copy of the overdraft notice sent on March 2, 2016, for your review. It is important to ensure that your account has enough available funds to cover all of the transactions that post to the account. However, in the interest of customer service, on March 15, 2016, the$74.00 in overdraft fees that was charged to your account was waived. You will see this credit to your account on your next statement. You may want to consider adding Overdraft Protection to your checking account. We offer several types of overdraft protection. We can connect a second account such as another checking account or savings account, or you can apply for a credit card or equity line, which can be connected to your checking account in order for funds to be automatically transferred in case of an overdraft situation. With Overdraft Protection, you are charged one (1) Overdraft Protection transfer fee of $12.00 instead of an overdraft fee of $25.00 per item for the first overdraft occurrence, or $37.00 per item for each additional occurrence. If you would like more information about Overdraft Protection, please feel free to contact me using the information provided below. You can also visit your local Financial Center or contact our Consumer Contact Center at ###-###-#### to setup Overdraft Protection for your checking account. We appreciate your patience while we researched this matter. You are a valued customer and we look forward to servicing your future financial needs. If I may 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 President Pc: Revdex.com

I do not agree with them! I've reached out to the dealership & left several of messages & didn't get a response. [redacted] is a client of Fifth Third Bank and they should be working with them on getting the inquiry removed. Also, if Fifth Third doesn't have an application with my signature on it stating that I gave them authorization to pull my credit then it definetly needs to be removed!

[redacted] [redacted] [redacted] [redacted] Date: November 1, 2017 Account: [redacted] Regarding Your Access 360º Card Dear [redacted]: We received copies of the complaints you submitted to the Revdex.com and Consumer...

Financial Protection Bureau regarding your Access 360º Card. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. Between August 22, 2017, and September 28, 2017, you disputed sixteen (16) transactions on your new Access 360º Card ending in [redacted]. Out of the sixteen (16) disputed transactions, thirteen (13) were decided in your favor, one (1) was denied, and two (2) are still outstanding. The following disputes were decided in your favor: $7.80 [redacted] $145.00 [redacted] $170.00 [redacted] $3.20 [redacted] $3.23 [redacted] $24.54 [redacted] $23.20 [redacted] $5.00 [redacted] $20.00 [redacted] $7.04 [redacted] $10.99 [redacted] $14.00 [redacted] $10.00 ** Although two (2) of the transactions are from an [redacted], we believe that the transaction of $5.00 was either from [redacted] or [redacted], and we believe the transaction of $20.00 was from [redacted] or [redacted]. The dispute of the [redacted] purchase of $27.76 was denied. The following disputes are still outstanding, and no decision has been made yet: $36.70 [redacted] still outstanding $9.94 [redacted] still outstanding We strive to resolve all disputes in a timely manner. Please note that the outstanding disputes may take up to sixty (60) days for resolution. If the disputes are decided in your favor, the previously provided temporary credits will become final. If the disputes are not decided in your favor, the previously provided temporary credits will be debited from your account balance. If you have any questions regarding your disputes, please call our vendor, [redacted], at ###-###-####, twenty-four (24) hours a day, seven (7) days a week. Our records show that you closed the Access 360º Card ending in [redacted] and transferred the balance to a new Access 360º Card ending in [redacted] on October 4, 2017. However, please note that the block was removed from the card in error and should have remained on the card. We subsequently placed a block on the new card ending in [redacted]. Again, the block was removed in error again on October 10, 2017, and you took a cash advance of the $87.22 balance on the card. Upon completion of our research, we will close the card. You also mentioned a disputed purchase of $437.00 at [redacted] in [redacted]. We have no record of this transaction, or any disputes filed for that amount. In order to research this transaction further, we will need additional information such as the date of the transaction and account used to make the purchase. You may call me at either number below to provide this information. 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 ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth D.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.  The February 23 conversation entailed a Fifth Third promise to follow up by phone after research was complete, and confirmation was provided that I was not to take any action until such follow up. Since resolution was not provided, I have resolved on my own by completing paperwork to defease the loan and will leave the complaint as unresolved.
Regards,
[redacted]

[redacted] Date: August 18, 2017 Regarding Your Online Access Dear [redacted]: We received a copy of your Revdex.com complaint and letter addressed to the Bank, concerning your difficulty accessing...

your accounts online. 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. After further research, we confirmed that your social security number entered as the ‘User ID’ on 53.com was connected to an old Jeanie card ending in [redacted] that you no longer used. On August 14, 2017, we removed the social security access from your old Jeanie card ending in [redacted] and connected it to the Jeanie card you currently use ending in [redacted]. On August 15, 2017, we spoke regarding the adjustments noted above for your online access. During our conversation, I asked you to log into 53.com using your social security number as the ‘User ID’ and the four (4) digit Personal Identification Number (PIN) associated with your Jeanie card as the password. After entering the information as requested, you successfully logged into 53.com and were able to view your account information online. In addition, copies of your account and check image statements from May 2017 thru August 2017 are enclosed for your review. We sympathize with the difficulty you encountered while attempting to view your account information online. In the interest of customer service, three (3) of the check image statement fees totaling $6.00 that were assessed to each your checking accounts ending in [redacted] and [redacted], were reversed and credited back on August 17, 2017. [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, Danielle S.Office of the President Enclosure: Statements 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.   
Regards,
[redacted]  Problem: I have files a complaint before with Revdex.com about 53 Bank. Same subject. Processing time of merchant transaction is unethical. They process their transactions just before midnight so that would not give enough time to account holder to come up with the deposit to bring the account to positive so they would not be chargedDesired Outcome: Reversal of 2 NSF fees. This is unethical, unacceptable. No bank process payments right before midnight. This service is to charge customers and benefits only the Bank.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   
Regards,
[redacted]  Hello,How do I reopen the case?I was on a vacation, so I just got a response.The only response from 5/3 in regards to the case I received was that they are still investigating it.Summary:1) [redacted] charged my card on behalf on someone else's account (unauthorized charge)2) [redacted] refuses to issue credit, and then admits that they charged me for someone else3) [redacted] is out of business, 5/3 contacted by Email, [redacted], Revdex.com, [redacted] - the claim is open (after 30 days delay once [redacted] was delivered with the details and supporting docs as instructed by terms and conditions for billing error resolution);4) The claim was accepted, yet I am not getting the credit within 5-10 days as I should be getting per agreement5) I did not sign, receive anything I was billed for - the 5/3 bank SHOULD HAVE NOT received anything with my name, signature, and authorization of the payment documents OR ANYTHING at all.6) Federal law requires them to resolve the issues within 60-90 days, my case took 6-7 months to say that unfortunately "go and talk to the merchant which is out of business for months"7) Now they claim that they have sent me 7 messages - only messages were responses to Revdex.com and [redacted] complaints saying "that they are still working on it".I am not sure whats taking so long- when all they need to do is to contact the merchant deduct the funds. And the case if resolved - if the merchant is responding its going to be forged documents without any details to support their case - such as work delivery, contacts, my IP address for all the payment submitted and so on.I am very dissatisfied with 5/3 and I will be filling more complaints to follow as well as ripoff reports so that others could see how 5/3 is handing the disputes. I have a good belief that funds ended up in 5/3 and is basically not being released back to me, or the error resolution was not followed as it should have. So I will need to outline this to Federal reserves and [redacted] in a new complaint (it looks like these organizations keep filling against them nonstop for the ongoing violations).How would you feel if your account was billed $6000, the merchant would be delaying to respond until the last moment, and the bank would say "well.... too bad for you".Sincerely,[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.  I believe the loan officer had knowledge for months about the [redacted] situation and had weeks to tell us so we could get prepared. He just didn't because he wasn't concerned. We have not gone with 5/3 but did buy the house and we are very happy with our home. We just paid cash for the home. 
Regards,
[redacted]

[redacted] Date: December 28, 2016 Account: [redacted] Regarding Your Business Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding your business...

checking account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We strive to provide exceptional service each time you visit one of our banking centers, and I am sorry that was not your experience. Please be assured we researched this matter thoroughly and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. It is our understanding in speaking with the Point Place Banking Center that the incident you mention in your complaint took place on December 8, 2016. However, your business checking account ending in [redacted] initially became overdrawn on December 5, 2016. On that day, the beginning balance in your checking account was $292.14. One (1) credit of $4.87 and nine (9) debit items totaling $418.03 posted to your account resulting in a negative ending balance of ($121.02). Due to insufficient funds for five (5) of the debit items, five (5) overdraft fees totaling $185.00 were assessed and posted to your account the following business day. Please note that overdraft fees are assessed to an account for items that overdraw an account the previous business day. Any deposits or credits that post on the next business day would not stop the overdraft fees from being assessed. Please also note that the overdraft fees may not be assessed to the account at the start of the next business day and may not appear on your account until later in the business day. On December 6, 2016, your account had a negative beginning balance of ($121.02). One (1) overdraft fee reversal of $37.00 and four (4) debit items totaling $365.45, including the overdraft fees totaling $185.00, posted to your account resulting in a negative ending balance of ($449.47). Due to insufficient funds for three (3) of the debit items, three (3) overdraft fees totaling $111.00 were assessed and posted to your account the following business day. On December 7, 2016, your account had a negative beginning balance of ($449.47). Two (2) debit items totaling $53.57, including the overdraft fees totaling $111.00, posted to your account resulting in a negative ending balance of ($614.04). Due to insufficient funds for one (1) of the debit items, one (1) overdraft fee of $37.00 was assessed and posted to your account the following day. On December 8, 2016, the day on which we understand that you visited the Point Place Banking Center, one (1) provisional credit of $126.00 for a disputed item posted to your account. I am sorry for any difficulties you experienced while attempting to make a deposit; however, other deposits or credits posted to your account on that day. I am sorry for any difficulties you experienced while attempting to make a deposit as you stated in your complaint. I have enclosed copies of the overdraft notices we sent to you to notify you of the negative balance for your convenience. Your account has remained overdrawn since that time. During the time your account has remained overdrawn, one (1) overdraft fee, one (1) monthly service charge of $29.00, twelve (12) daily overdraft fees totaling $96.00, and one (1) direct deposit of $643.49 have posted to your account. As of December 23, 2016, your account has a negative available balance of ($6.55). In order to bring your account to a positive balance, please visit any Fifth Third Bank banking center to make a deposit. If your account remains overdrawn for fifty-five (55) days we may charge off your account and report it to ChexSystems for collection proceedings. It was certainly not our intention to cause you any hardship. Our records show that we have waived overdraft fees totaling $74.00 since your account was opened on April 27, 2016. We are unable to waive any additional fees per our bank policy. You may want to consider attaching your business savings account to your checking account as overdraft protection, or applying for a business line of credit to use for overdraft protection. If you are interested in either of these options, please visit any Fifth Third Bank banking center. Additionally, during our telephone conversation on December 21, 2016, you mentioned that you had other concerns that were not included in your complaint. If you would like to discuss these concerns, you may contact me at either number below and I will be happy to further research this matter. You may also send your additional concerns to me in writing at the following address: Fifth Third Bank Office of the President Attn Elizabeth D. 5050 Kingsley Drive MD 1MOCOP Cincinnati OH 45263 You may also fax the information to me at ###-###-####. Thank you for your patience while we conducted our research. 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, Elizabeth D. Office of the President Pc: Revdex.com Enclosures: Overdraft Notices

Revdex.com Im responding yet again to correct the mistake that this company continues to make even though I have corrected them in each and every complaint.  The declaration page they are requesting from [redacted] should only be regarding the months of March2016-May2016. [redacted] was not our carrier in December 2015-February 2016. We agreed that they we did not have coverage those 3  months and Fifth Third Bank charged us for insurance of those dates AFTER those dates had already passed.  The issues with those particular dates is that Fifth Third Bank said since they charged us in May 2015 for the dates of December 2015-February 2016 they would retroactively pay a claim if there was damage to our vehicle.  That is false. I tried filing a claim for damage done to our car in Janurary in the amount of $3,000 and they refused to file the claim stating the dates had already passed. That is our issue with those dates. We were only asking for refund of March2016-May2016 due to the fact we had full coverage through [redacted]. [redacted] at [redacted] has stated she has done everything they have asked of her multiple times! The only reason I can think that Fifth Third is rejecting it is due to their dates not being correct and you can see in past answers I have stated this MULTIPLE times!
[redacted]