PROCORPSA

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] Car title and letter of apology received on Friday June Thank you, Revdex.com!

***,We have decided not to respond to the customer because we have already addressed her concernsAlso, the customer does not have a new complaint and is not asking anything more from us at this time.Thanks,Adam P.Consumer Resolution SpecialistFifth Third Bank | Office of the PresidentKingsley Dr.MD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### | Fax: ###-###-####Email: [redacted]

[redacted] *** [redacted] *** [redacted] *** Date: January 4, Account: [redacted] Regarding Your Checking Account Dear [redacted] ***: We received a copy of your complaint filed with the Revdex.com, concerning the hold placed on your depositWe appreciate the time you have taken to express your concerns regarding this matterAs stated in the letter sent to you on December 14, 2015, the remaining funds from your deposit were available as of December 14, I have enclosed the previous response for your reviewOur records show that you purchased a cashier’s check in the amount of $18,on December 14, [redacted] ***, 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 call me at [redacted] , or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Elizabeth JOffice of the President Enclosures: Previous Correspondence dated December 14,

[redacted] [redacted] *** [redacted] *** Date: November 30, 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 regarding your Fifth Third Bank Essential checking accountWe appreciate the time you have taken to document your thoughts and concerns regarding this matterOn behalf of the Bank, please accept my sincere apologies for the level of service you received from our Customer Service DepartmentPlease be assured Fifth Third Bank takes these matters seriously, and we strive to provide an exceptional experience to our customersAfter receiving your letter, I forwarded your concerns to the relevant parties in our Customer Service Department who thoroughly researched this matterI 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’ satisfactionHowever, I cannot inform you of any specific internal actions that may be takenFifth Third Bank processes transactions at the end of each business dayThis does not include Saturdays, Sundays, and Federal HolidaysTransactions are posted in the following order: Credits and deposits made prior to the end of the cut-off time as detailed in our Funds Availability PolicyTime-stamped debits, such as ATM withdrawals and debit card purchase, in the order in which they are receivedAll other debits including checks, and electronic bill payments, in the order of largest amount to smallest amountFees and service charges in the order of the largest to the smallest amountDebit card and ATM (Automated Teller Machine) transactions are time-stamped debits and pre-authorized at the time of use, and will show as pending until they are postedBecause time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorizedChecks and electronic ACH (Automated Clearing House) payments are batch debits that are not pre-authorized by usThese transactions do not include a time-stamp and will not show as pending during the dayChecks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payment was authorized to be paidI have enclosed a copy of our current Rules and Regulations for your reviewPage twelve (12) provides additional information regarding our overdraft calculation orderPage seventeen (17) provides additional information regarding transaction cut-off timesPage eighteen (18) provides additional information regarding our Funds Availability PolicyWe recommend that customers keep a ledger to track all transactions, including checks they have written, so that they can know if there are items that have not posted and can plan accordinglyYou can avoid overdraft situations by always making sure you have sufficient funds in your account to cover all of the debits you makeWe have services available to help you keep track of your account balance and the money you have spentThese include: [redacted] Logging on to 53.com [redacted] Using the mobile app [redacted] Text or email alerts [redacted] A Fifth Third ATM [redacted] Calling ###-###-#### [redacted] Visiting a banking center We also offer several options that may help you manage times when you are facing an overdraft situationThese options include Overdraft Protection and Overdraft CoverageAn overdraft occurs when you do not have sufficient funds in your account to pay your transactionsYou have the option of enrolling in Overdraft Coverage for ATM transactions and everyday debit card purchasesIf you opt-out and attempt to authorize your card for an amount more than the balance in your account, the transaction will be immediately declinedIf you oto Overdraft Coverage, your card may be approved beyond the balance in your account, and the transaction will be subject to overdraft feesAs part of this service, we do authorize and pay overdrafts for the following types of transactions: [redacted] Checks and other transactions made by using your checking account number [redacted] Automatic Bill payments Our review of your checking account determined you have opted to decline Overdraft CoverageYou may change your Overdraft Coverage preference selection anytime by the following ways: [redacted] Visiting a Fifth Third banking center [redacted] Online at 53.com/accountmanagementservices [redacted] By phone, ###-###-#### Please note that opting out of Overdraft Coverage does not guarantee that the checking account will not be overdrawn, but it does guarantee that the checking account will not be assessed an overdraft fee for any ATM or one-time debit card transactions that posts to the account while it has a negative balanceAs I mentioned in our telephone conversation, we have researched your prior overdraft situations to determine if Bank error was the reason for the overdraft feesOur review determined you have been assessed $in overdraft fees in the last twelve (12) monthsOur review determined that $in overdraft fees have been reversed into your account as a courtesy, the overdraft situations below were not a result of any Bank errorPlease find enclosed a copy of your checking account statement dated February 17, On February 2, 2016, the ending balance in your checking account was $On February 4, 2016, check (#***) posted to your checking account in the amount of $This transaction resulted in a negative ending balance of ($70.18)The Bank issued the enclosed overdraft notice to inform you of the overdraft, and the fee that would post to your checking account the following dayAs a courtesy this fee was reversed on February 12, Your next overdraft situation occurred on May 24, Please find enclosed a copy of your checking account statement dated June 17, The ending balance in your checking account on May 23, 2016, was $Two (2) credits posted to your account totaling $3.13, the transfers resulted in an available balance of $Three (3) debits posted to your checking account on May 24, Two (2) of the items were debit card purchases totaling $Please note you were not assessed an overdraft fee for the two (2) debit card purchasesHowever, a check for $posted to your checking account, which resulted in a negative ending balance of ($47.99)The Bank issued the enclosed overdraft notice to inform you of the overdraft, and the fee that would post to your checking account the following dayYou contacted our Customer Service Department regarding this feeAs a courtesy, the fee was reversed on May 26, Your most recent overdraft situation occurred on November 14, On November 10, 2016, your ending account balance was $It should be noted, the Bank was closed on November 11, 2016, in observance of Veteran’s DayTen (10) debit transactions posted to your checking account on the next business day November 14, The transactions posted to your checking account in the following orderBeginning Balance: $November 11, 2016, 4:PM Merchant Payment- [redacted] $ November 11, 2016, 4:PM Merchant Payment- [redacted] $ November 11, 2016, 9:PM Merchant Payment- [redacted] $ November 11, 2016, 11:PM Merchant Payment- [redacted] $ November 12, 2016, 1:PM Debit Card Purchase at [redacted] $ November 12, 2016, 2:PM Debit Card Purchase at [redacted] $ November 12, 2016, 8:PM Merchant Payment at [redacted] $ November 13, 2016, 3:PM Merchant Payment at [redacted] $ November 14, 2016, Check # [redacted] $November 14, 2016, Non-5/Cash Withdrawal Fee $ The debits totaled $319.43, and you were assessed one (1) $overdraft feeAs noted in the enclosed overdraft notice dated November 15, 2016, you were assessed an overdraft fee for the check posting to your accountA $telephone transfer was made on November 15, 2016, into your checking account; however, this transfer did not affect the negative balance from the prior business dayOn November 16, 2016, you contacted our Customer Service Department to request a fee reversalAs a general guideline, the Bank allows customer service agents to reverse up to $in overdraft fees that were not a result of Bank errorThe agent correctly informed you that they could waive an additional $12.00, which would bring the twelve (12) month total of courtesy fee reversals to $In your conversation with the customer service agent you stated that the check had not posted at midnight on November 15, Please note the agent correctly informed you that a check is not a time-stamped debit and that the processing is completed as timely as possible, and that processing may not be completed by midnightAs the maker of the check to [redacted] , you were aware the check was an authorized purchase and had not cleared the accountAfter our telephone discussion, I did research your prior calls to our Customer Service DepartmentMy research determined you were provided incorrect information during one (1) of your callsOn October 15, 2016, you contacted our Customer Service Department and asked the agent why you were not able to check your husband’s payroll checkIn error, the customer service agent informed you that you would be able to cash the check for no fee at a Fifth Third banking centerIn order to cash a non- Fifth Third check, you would need to have funds in your account that would cover the amount of the checkPlease accept our sincere apologies for the misinformation provided to you by the customer service agentIn the interest of customer service, we have reversed the remaining $of the $fee assessed on November 15, Fifth Third Bank does offer a check cashing service called Cash AccessPlease find enclosed information about Fifth Third Bank’s Cash Banking servicesFifth Third Cash Access allows our customers to get cash immediately at competitive ratesYou can cash almost any kind of check including payroll, government, personal and moreAs a Fifth Third Bank checking customer, you would pay a fee of 1% for payroll and government checks, and 2% for personal checksPlease visit a local banking center for more information about our Cash Banking servicesFor your convenience, I have also enclosed a reference guide titled Fifth Third Overdraft Solutions for Consumers that provides additional information related to the overdraft fees that were assessed to your account, and ways to track your balance to help avoid overdraft fees in the futureInformation regarding overdraft coverage options is also provided on the enclosed documentPlease feel free to contact me at the number below should you have any questions regarding the enclosed reference guideI would be happy to assist youThank you for your patience while we researched this matter for youYou 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 ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Patrick S.Office of the President PC: Revdex.com Enclosure(s): Statements Rules and Regulations Overdraft Notice Overdraft Solutions Cash Banking Brochure

Fifth third bank is in contact with me and working to resolve this issueWhy are you sending me notification that my case is closed? I have documents to fax to 5/ in [redacted] and I also want to address their response that I contacted the Fifth Third Main branch here in [redacted] N.C I have never set foot in their main branchI don't ever know where it is I am filing a complaint with the federal reserve also about this issueThe bank is in federal violation of regulation e and I want that noted in my Revdex.com file Thank You!

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 think an apology is good enough Well it's not! First of all, you don't treat clients like I was treated I went through hell with 53rd Bank for months waiting to get a home loanThey didn't care then and surely don't care now This loan originated in August They contacted me at the end of November to tell me I wouldn't qualify for the loanThey kept leading me to believe everything would go through on this loanI paid for an appraisal, different inspections, multiple contract extensions, and earnest money If they didn't lead me to believe the loan would go through, I wouldn't of invested my hard earned money to try and get this house I'm a single mom with kids They didn't care then, and sure don't care nowI guess their apology is going to make everything rightNo bank will take months to tell you that your loan didn't qualify! The loan was handled by different people in multiple states Each and everyone of them dropped the ball I'm a first time home buyer and this was big decision for me As it should be I'm out of the money along with being out of a house! I hope anyone and everyone see's my complaint about 53rd Bank before thinking about getting a loan through them I'm going through a different bank and qualifying for the loan Regards, [redacted]

[redacted] [redacted] *** [redacted] *** Date: June 28, Account: [redacted] Regarding Your Checking Account Dear [redacted] : We received a copy of your additional complaint filed with the Revdex.com (Revdex.com) regarding your checking accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matterWe previously advised that if you would like to re-open the dispute that you could submit proof of a billing errorWe received the additional complaint, but you did not provide any documentation to support your rejection of the dispute denialAs a result, we were unable to reopen the claim and the dispute denial is finalI am sorry for the distress this may cause youWe appreciate your patience while we researched this matter and apologize for the difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Previous Response

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 agent has made several attempts to contact herShe refuses to respond or return phone calls to [redacted] and has made up her mind to steal customers hard earned money after she was provided with the declaration page [redacted] personally created per her specific absurd requestsOnce again it was a typed declaration page due to computer error on [redacted] ***'s end for the month of March and April that they can not change or alter because fifth Third Bank is well aware that this would be considered insurance FRAUD! She has the declaration page WITH my deductible amounts and coverages which are well above state minimum provided to her just as requestedI'm just glad and appreciative to Better Business Burea to have let this play out in their public forum for potential future customers to witness the wrong doings, negligence, and plain ignorance displayed by Fifth Third Bank throughout this entire complaint! I grant Better Business Burea the right to publish the documents and letter by [redacted] with personal information such as account numbers blacked out Regards, [redacted] ***

Revdex.com:Although it wasn't sent via the method requested I have received my title 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 Oh, the account is at a zero balance now and the company has [redacted] or however she spells her name, to thank for horrible service that chases customers awayDon't think this is the end of this, the whole reason my account was still at a balance of over the $1,average - which I was the one who mentioned and not you, was because of my school direct deposit, which you otherwise would have billed my account a fee for, for not coming into a branch when you are all out of my area.., not to mention I even uploaded my account statement, as if you couldn't access it yourself, just to show the fact that it reads school direct depositYou're all a bunch of theieving crooks, and shady tactics that goes around will come back to you and all who cheat, it's only a matter of time...my position will never change, and I will never do business with you all again, soon as my card is settled we're throughSo you might as well take me off any lists from for advertisementsSo, Revdex.com just note the many options you get to set up and account with a student waiver, fax a copy,or email, I've never set foot in a branch, yet they'd charge me now for something they gave more options than just the one now, and let's not forget, you too could also see the copy I uploaded where it clearly reflects a recent school depositDon't you all have a problem with that or at least the same question I have..hoe is that better business? The answer it isn't, except for when it is just in their own business interest to lie, cheat and stealWhich is why there are so many class actions suit by people like myself who are sick and tired of Ss like ***! I never wanna hear from her or anyone else thereJust close out all of my accounts nowChecking & SavingsWe are through now, except for more formal actions against such deceit!!! Regards, [redacted]

April 4, [redacted] Revdex.com Holiday Drive, Suite Pittsburgh, PA 15220Re: Your reference: [redacted] - Case No [redacted] Dear Ms [redacted] :We are in receipt of your letter dated March 26, 2018, regarding the informal complaint filed by [redacted] ***We have had the opportunity to investigate this Complaint and offer the following information.Armstrong empathizes with Mr***’s frustration regarding his channel line-upArmstrong attempted to contact Mr [redacted] on March 27, March 28, and March 29, to discuss his concernsUnfortunately, he was not availableArmstrong applied a $credit to Mr***’s account on March 29, and encourages him to contact our Customer Service Center with any additional concerns.Thank you for your attention to this matterPlease feel free to contact me should you have any questions or require further information.Sincerely,Agency Complaints Response Teamcc: [redacted] ***

[redacted] *** [redacted] *** [redacted] *** Date: July 13, 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 accountsWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matterOn May 6, 2016, you called our Customer Service Department and spoke to a representative named RobinYou 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 themRobyn explained that the accounts have to have a zero (0) balance to be closedShe verified that you do not live near any Fifth Third Bank locationsShe advised she could send you a closure request form and that we would close the accounts specified after receiving the form backWe would also send a cashier’s check to you for the balance in your accountsYou agreed to this process and Robyn sent the form to you using the address you verified was correctI was unable to locate record of a previous attempt to close your accounts with the BankI was also unable to locate record of additional conversations with our Customer Service Department after May 6, I am sorry for any distress this may cause youPersonal Banker Odette Oclosed your savings accounts ending in ***, ***, and [redacted] on June 20, I confirmed that she closed the accounts per the closure request form that you submitted to the BankMsOtransferred funds totaling $from your savings accounts to the checking accountThe balance in your checking account increased to $MsOissued a $check to your address listed aboveIf you have not received this check, please contact me directly using my phone number listed belowMsOadvised she closed your three (3) savings accounts as well as your checking account that dayHowever, a review of your checking account does not show an attempt to close the account on June 20, After the cashier’s check was issued, the balance in your checking account was zero (0)The $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) balanceNo additional fees were assessedPersonal Banker Carlos Radvised you called his banking center on June 28, 2016, regarding your accountsYou told MrRthat you had been attempting to close the accounts for a long time and you were previously told they were closedHowever, your checking account reflected as open with a negative balanceMrRwaived the $monthly service charge and closed your account that dayAs 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 accountsPlease be assured that I have contacted the relevant Bank personnel regarding this matterI 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 customersYour complaint indicated you requested to close your accounts on multiple occasions and because the checking account was not closed, you continued to have $monthly service charges assessed to your checking accountI was unable to locate a request to close your accounts prior to May 6, There was an $monthly service charge assessed on May 18, 2016, and another $monthly service charge assessed on June 20, The $service charge from June 20, 2016, was waived off the accountIf 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 concernsWe appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Shawna T.Office of the President Pc: Revdex.com

[redacted] *** [redacted] ***Date: June 16, Account: [redacted] Regarding Your Fifth Third Platinum [redacted] Dear [redacted] ***:We received a copy of the complaint you filed with the Revdex.com regarding your credit card accountWe appreciate the time you have taken to express your thoughts and concerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused 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 our senior and executive management teams review customer concerns as part of our ongoing commitment to improving our customers’ satisfaction.On September 26, 2014, the Bank received and approved your application for a Fifth Third Platinum [redacted] Upon approval of your Platinum [redacted] account, your card and credit card agreement were mailed to youFor your review and convenience, a copy of the most recent version of the credit card agreement currently in effect for your account is enclosed.Please note page two and three (2-3), item ten (10) which explains how credit card payments are processed and applied to your credit card accountPayments on your Account that exceed the Minimum Amount Due will be allocated first to the Account balance with the highest Annual Percentage Rate (APR), and then to each consecutive Account balance bearing the next highest APR, at the time payment is posted to your Account.On October 13, 2014, your first purchase posted to your credit cardOn November 5, 2014, your first statement was mailed to the above addressI have enclosed the statement dated November 5, 2014, which indicated a $minimum payment was due by December 2, 2014.The Bank did not receive a payment by the December 2, due dateTherefore, on December 2, 2014, a late charge of $posted to your credit card statement.On December 5, 2014, the second statement for this credit card account was generatedI have enclosed a copy of this statement for your recordsThis statement indicated a minimum payment of $was due by January 2, On December 8, 2014, the Bank received and posted your statement of $to your credit card accountThis payment satisfied your minimum payment due by January 2, 2015.On December 30, 2014, you contacted the Bank by phone to make a payment to your Platinum [redacted] The agent correctly stated that your payment on December 8, 2014, had satisfied your minimum payment due by January 2, Therefore, no payment was necessary at that timePer your request, the agent submitted a fee reversal for the $late fee assessed the previous monthThe agent also transferred you to the Auto BillPayer department to accommodate your request to set up automatic payments from your checking accountHowever, you did not enroll in this electronic payment service.The next credit card statement was generated on January 5, This statement shows the payment made on December 8, 2015, and the late charge reversal on December 30, No other purchases were made on the card and your minimum payment of $was due on February 2, On February 3, 2015, the Bank received and posted your payment of $This payment satisfied your minimum payment due by February 2, No late charges resulted from this paymentNo other purchases were made during this statement cycleOn February 5, 2015, the monthly credit card statement was generatedThis statement indicated a minimum payment of $was due by March 2, 2015.The Bank did not receive a payment toward the credit card account and on March 2, 2015, a $late charge was assessed to the accountA statement was generated on March 5, Because there were no payments on the previous statement, the minimum payment due by April 2, 2015, was $Which included a past due amount of $from the previous monthThe Bank did not receive a payment to your credit card account by April 2, Therefore, a late charge of $was assessed to the accountBecause there were no payments received on two consecutive credit card statement cycles, the Bank revoked your ability to make transactions with this credit card account.The statement dated April 3, 2015, indicated the minimum payment due by May 2, 2015, was $181.00, of which $was the past due amount from the last two monthsOn April 21, 2015, you submitted a payment of $3,toward your credit card accountThis payment resulted in a $balance remaining on the cardThe $balance was a result of a late fee that had been assessed to the accountOn June 3, 2015, this fee was reversed resulting in your credit card account being closed with a zero balancePlease use this response as verification that the $fee has been reversed.We have completed our review of the payment history reporting on your credit report for your Fifth Third Platinum [redacted] Our review determined that the information provided to the credit reporting agencies is accurateWe regret any frustration this may cause you; however, we are required to report accurate information to the credit reporting agencies and we cannot accommodate your request to correct prior negative reporting.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 apologize for any inconvenience this may have caused youIf I could be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, [redacted] Office of the PresidentPC: Revdex.comEnclosures: Statement and Credit Card Agreement

[redacted] *** [redacted] *** [redacted] *** Date: October 17, Account: [redacted] Regarding Your Checking Account Dear [redacted] ***: We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your checking accountWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matterOn September 23, 2016, you disputed several transactionsThe case number for your dispute is CYou notified the Dispute Department employee that you last had your debit card on September 17, 2016, and the following transactions were unauthorized: [redacted] $Automated Teller Machine (ATM) withdrawal posted 9/19/with an associated $fee [redacted] $ATM withdrawal posted on 9/19/with an associated $fee [redacted] $ATM withdrawal posted on 9/19/with an associated $fee [redacted] $debit card purchase at [redacted] that posted on 9/19/ [redacted] $debit card purchase at [redacted] that posted on 8/22/When the provisional credit was processed on September 28, 2016, two (2) additional transactions were credited to your account in errorThe transactions credited to you in error are listed below: [redacted] $at [redacted] that posted on 9/12/ [redacted] $at [redacted] that posted on 9/7/The total provisional credit provided to your account on September 28, 2016, was $2,We also waived the three (3) non-Fifth Third Bank ATM withdrawal fees of $each, and a $fee for a balance inquiryOn September 29, 2016, the $2,in provisional credits was removed from your accountEnclosed is a copy of the dispute denial letter we sent to you on September 29, 2016, stating we determined you conducted the transactionsWe confirmed with [redacted] that the $transaction with them was not fraudulent, and was an authorized transactionAdditionally, [redacted] advised that the vehicle in question was still in your possession at the time the dispute was filed [redacted] advised the vehicle was returned on September 30, 2016, in poor conditionAs a result, they are unwilling to refund the hold funds you paid to themThe dispute with [redacted] is denied, and you will have to work with that merchant directly if you would like a refundWhile researching your concerns, I confirmed that the ATM withdrawals and the [redacted] disputes were denied because the form submitted by the Dispute Department on September 23, 2016, stated the card went missing that same dayBecause those transactions were processed prior to September 23, 2016, when the dispute form said you lost the card, those disputes were deniedI was able to review your phone call with the Dispute Department that day, and confirmed that you told the representative you last had the card on September 17, I am sorry that the information for the dispute was not relayed correctlyThe remaining $in denied disputes was for the two (2) transactions that were not supposed to be included in the disputeWe reasserted your dispute claim for the ATM withdrawals of $803.00, $803.00, $403.50, and the [redacted] transaction of $As a result, your account was again provisionally credited for funds totaling $2,Please note that the Bank has forty-five (45) days from September 23, 2016, to issue a final decision regarding the dispute claimThis is not a final credit, but you will have full use of these funds while our investigation continuesThe Bank’s final decision will be issued no later than November 7, If the dispute is not found in your favor, the provisional credit for the denied disputes will be removed from your accountIf you would like to follow up with the Dispute Department in the meantime, they can be reached toll-free at ###-###-####The Dispute Department is available to assist you Monday through Friday from a.mto p.m., ET, and on Saturday from 8:a.mto p.m., ETYou mentioned that your account was being linked to your ex-husband’s accountPlease be advised this is not the caseYou are the only account holder listed on your checking account and the only account information and transactions available are for your checking accountHowever, while researching your dispute, we determined there was a possibly linked dispute case to one of the transactions you disputedThe hold on your account was placed on October 1, 2016, in relation to this activityThe hold was removed on October 17, While the hold was in place you could, and did, withdraw the funds in your checking account in person at a banking center, and your direct deposits were still able to be creditedThe hold prevented debit card, check, and Automated Clearing House (ACH) transactions from posting to the accountAs of October 17, 2016, you have full access for debit card, check, and ACH transactionsThe balance in your checking account as of October 12, 2016, is $We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Shawna H.Office of the President Pc: Revdex.com Enclosure: Denial Letter

[redacted] ** *** Date: August 28, 2015Regarding the Account of [redacted] Dear [redacted] :We received a copy of the letter you sent to the Revdex.com, regarding the account of [redacted] 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 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 feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction[redacted] , please be assured it is our sincere desire to help you; however, Fifth Third Bank takes protecting the financial and personal information of our customers very seriously, and we cannot release information to someone who is not an owner on the account in questionIn order for the Bank to give any personal and confidential information to a third party, we would require a legal document such as a Power of Attorney, authorizing another individual to act on behalf of our customerPlease be aware that, in addition to our response to you, we also mailed a response to [redacted] .If 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,Adam P.Office of the PresidentPC: Revdex.com

[redacted] ***Date: September 20, 2016Account: [redacted] Regarding Your Checking AccountDear [redacted] : We received a copy of the rebuttal complaint you submitted to the Revdex.comWeappreciate the time you have taken to document your additional thoughts and concerns regarding thismatter.On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may havecaused youHowever, we stand by the response conveyed to you in our previous letter dated August 31,Our position on this matter has not changed.As we explained in our previous letter, Fifth Third Bank processes transactions at the end of eachbusiness dayThis does not include Saturdays, Sundays, and Federal HolidaysCredits and deposits areposted first, time-stamped debits are posted in the order in which they are received, and other non-timestampeddebits are posted in the order of the largest amount to the smallest amountWe were unable tolocate any recordings of your calls to the Bank explaining our posting order to youHowever, as we statedin our previous letter, the items that posted to your account were posted in the correct order per our Rulesand Regulations.You also mentioned the overdraft settlement that applied to all persons in the United States who hold orheld a Fifth Third Bank account and who at any time from October 21, 2004, through July 1, 2010,incurred at least one (1) overdraft fee associated with at least one (1) Fifth Third Bank debit cardtransactionThe claim deadline was May 2, Our records confirmed that you did not receive a refundas part of that settlement.Additionally, you mentioned that overdraft fees totaling $were waived due to a fraudulenttransactionOur records do not show any disputes on file for your accountIf you would like for us toresearch this matter further, you may contact me at either number below.Again, it was certainly not our intention to cause you any hardshipUnfortunately, we are still unable towaive any additional fees per our bank policy.Thank you for your patience while we researched this matter for youWe truly value your business, andwe certainly hope that you will continue your banking relationship with usIf I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Mondaythrough Friday, a.mto p.m., ET.Sincerely,Elizabeth D.Office of the PresidentPc: Revdex.com

[redacted] [redacted] *** [redacted] *** Date: November 17, Account: [redacted] Regarding Your Mortgage Loan Dear [redacted] : We received a copy of your complaint recently filed with the Revdex.com regarding your mortgage loanPlease be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concernsOn behalf of the Bank, please accept my sincere accept my sincere sympathies for the experience you have recently endured, as well as my apologies for any inconvenience this matter may have caused youWe have researched the issue surrounding the difficulties you experienced when attempting to accept the offer of a forbearance on your loan associated with your home being located within a Federal Emergency Management Area (FEMA) disaster areaAs we discussed when we spoke on November 10, 2017, I have confirmed that the forbearance is in place, and regret the error that caused the delay in this processingPer your request I have confirmed that this loan was not reported late to the credit reporting agencies associated with this matterConcerning your request for details surrounding how the payments will be handled when the forbearance is complete; I have verified that the three deferred payments, plus the January payment, will be due on January 1, You may discuss this, or find out what other options may be available to you by reaching out to the dedicated phone line for those affected by Hurricane Irma or Hurricane Harvey at ###-###-####, Option 2, Monday through Friday, a.mto p.m., ETAlternatively, you may contact me with the information below and I will be happy to find out what other options may be available at that timeAdditionally, your comments expressing less than quality service you received when attempting to obtain this information are very concerningAt Fifth Third Bank we strive to provide an exceptional experience to our customers with each interaction, and we are dedicated to assisting our customers at this timeI appreciate you taking the time to talk to me regarding the information above and I want you to know that customer feedback of this nature is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operationsMr [redacted] , I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a responseIf I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at 866-360-5353, Monday through Friday, a.mto p.m., ETSincerely, Sarah Starkey Office of the President Pc: Revdex.com

We are in receipt of your letter dated July 28, 2015, regarding the informal complaint filed by [redacted] ***We havehad the opportunity to investigate this Complaint and offer the following information.According to Armstrong’s records, Mr [redacted] had a 6-month promotional offer of Zoom Internet for $permonthThis offer ended on January 23, No new promotional offers existed at the time of the expiration.Armstrong notes that due to a clerical error, the offer began on July 23, 2014, but Mr [redacted] did not have the systeminstalled until August 4, Armstrong adjusted the difference and credited the account.Currently, Mr [redacted] could upgrade to Zoom Pro at $for monthsThis is a faster internet speed at adiscounted priceAlternatively, Mr [redacted] could add services such as television or telephone and be eligible forother promotional offers.Armstrong encourages Mr [redacted] to contact our Customer Service Center if he has any additional questions aboutthis program or if he has any internet issuesThank you for your attention to this matterPlease feel free to contactme should you have any questions or require further information.Sincerely,Agency Complaints Response Teamcc: [redacted] ***

[redacted] [redacted] [redacted] *** Date: May 4, Regarding Phone Calls You Received Dear [redacted] : We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding phone calls you received from Fifth Third BankWe appreciate the time you have taken to express your thoughts and concernsOn behalf of the Bank, please accept my sincere apologies for the frustration you experienced regarding this matterPlease be assured that we have removed your phone number ###-###-#### from our systems and you will no longer receive phone calls from usI am very sorry for the dissatisfaction you have experiencedI confirmed that on December 22, 2016, someone advised that your phone number was being called in errorA request was submitted to remove your phone number from our systems at that timeHowever, the phone number was not removed in errorPlease be assured that this information has been forwarded to the relevant Bank personnelI confirmed that the issue that caused this error has now been resolvedWe appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experiencedIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Shawna H.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 I would like to hold this matter off for the extension days given in the company's letter so I can verify my account information has been removed from my credit history Regards, [redacted]