PROCORPSA

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 - This complaint is against Fifth Third Bank. This complaint is in regards to unfair business practices under the fair credit reporting act. This complaint is also in regards to fifth third bank engaging in unfair treatment and practices against minorities. In the past fifth third bank has been ordered to pay over 1,000,000 for lending violations. While, this is not a lending violation it is a matter of fairness. Fifth third bank accessed a 30 day late notice to my mortgage account after there was a mix-up regarding setting up automatic bill pay. Because there was confusion in the past, I was under the assumption that automatic bill pay was setup and there were no issues. However, that wasn't the case. On May 9th, 2017, I call regarding the account and was informed I was 30 days late. I immediately paid the account and begin to investigate. The facts are; 1. On May 9th 2017 - The fifth third agent said on a recorded line that the bank did not have a number to call me. She took my information and said she would update my file. 2. Fifth third bank never called me during the 30 days of April to let me know the account was behind. 3. Fifth third bank send 1 letter - because I travel weekly, I did not receive the letter. Which is why a call or having bill bank established is critical 4. Fifth third bank indicated in written communication that they never called me 5. Fifth third bank called me regarding my loan for the first time in almost two years on 6/6/2017. This is no coincidence. 6. The rep from fifth third bank stated that the late date could not be removed because it's accurate and the bank made no mistake. However, that statement is false, according the fair credit act, a lender can correct or delete negative information reported. I'm asking that the 30 day late date be removed due to the following; 1. Inaccurate information given to the consumer 2. Fifth third bank failed to call me regarding my mortgage. While they may not have to call, it's the right and FAIR thing to do to keep customers from getting behind. Because the bank indicated I never received a call, I'm asking that the bank assume responsibility for not doing all they could to protect me. 3. There was clearly a mis-communication between myself and fifth third bank regarding the automatic bill pay.Desired Outcome: Remove 30 day late date

The final response is below. The check will be sent in the mail.[redacted] Date: February 13, 2018 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: Thank you for the emails you sent to...

the Bank regarding your Essential Checking account. We also received the complaints you submitted to the Revdex.com and Ohio Department of Commerce, Division of Financial Institutions. We appreciate the time you have taken to document your additional thoughts and concerns in this matter. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Upon further investigation, we have enclosed a check for the remaining balance of $2,950.00 that was in your Essential Checking account when it was closed on December 4, 2017. I hope this letter meets your satisfaction and resolves your needs. Thank you for your patience while we conducted our research. It was certainly not our intention to cause you any hardship. 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; Ohio Department of Commerce, Division of Financial Institutions Enclosure: Check

Please find below a copy of the letter being mailed to the customer. We have sent a W9 tax form overnight to the customer.[redacted] Date: November 3, 2016 Account: [redacted]9932 Regarding Your Fifth Third Bank...

Installment Loan Dear [redacted]: We received a copy of the complaint filed by Brandy L. Snyder on your behalf with the Revdex.com concerning your installment loan. We appreciate the time you have taken to express your concerns regarding this matter. Please accept my deepest sympathy for the loss of your son. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. It was certainly not our intention to cause you any hardship. We strive to provide an exceptional experience to our customers, and I am sorry we did not meet your expectations. I also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. As I mentioned on my telephone message on October 31, 2016, we sent a signed W9 form via [redacted] overnight mail on October 31, 2016. The tracking information on that package confirmed you received the letter Tuesday November 1, 2016. Upon receiving your complaint, we reviewed your telephone calls to the Customer Service Department. On September 28, 2016, Jason contacted the Customer Service Department and was provided a fax number to our Depositor Service Department. I am sorry that you did not receive a copy of the signed W9 tax form prior to November 1, 2016. Our review of the payment history for your installment loan determined the Bank received your payment of $527.00 on October 18, 2016. This payment was made within the fifteen (15) day grace period on your loan. There were no late charges or negative credit reporting resulting from this payment. Your next loan payment of $526.62 is due on November 9, 2016. We strive to provide professional and accurate information to our customers, and apologize for any inconvenience this may have caused you. If I can be of further assistance, please contact me toll free at ###-###-####, or directly at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S.Office of the President PC: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   I haven't received anything in the mail as yet but our mail is being forwarded to our PO Box at the present time as we are out of town for a family emergency. 
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: December 21, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning the overpayment refund for...

your installment loan ending in [redacted]. We appreciate the time you have taken to express your concerns regarding this matter. We would like to offer our sincere apologies for any inconvenience this matter may have caused you. Your feedback is important to us, so that we can better understand how we can improve our service to you. Additionally, customer feedback is reviewed by our Senior Management as part of our ongoing commitment to improving our customers’ satisfaction. On December 16, 2015, the over payment refund of $224.94 was sent via overnight delivery to the address above. The UPS tracking information shows that the check was delivered at 9:52 A.M. on December 17, 2015. It was not our intention to cause you any hardship, and we sympathize with the difficulties you have encountered regarding this account. We believe your issue was resolved accordingly, and I hope that this letter will meet your satisfaction. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Elizabeth J. Office of the President

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.  Why would you give two cards for overdraft protection on the same checking account? The last statements were my checking account statements.  
Regards,
[redacted]

[redacted] Date: March 24, 2016 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted].: We received a copy of your complaint submitted to the Revdex.com concerning the...

recent fee you received on your Essential Checking account. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. We have researched the issue surrounding the $11.00 monthly maintenance fee charged to your account, and found that this standard monthly fee was charged due to the account having not met the minimum balance or direct deposit requirements to waive it for the month. We deeply regret the inconvenience this caused, but were pleased to confirm that the activity associated with this matter was not reported to the credit reporting agencies. Additionally, this letter serves as confirmation of the fee which was refunded back to your account by the [redacted] Financial Center when the account was closed February 2, 2016. Regarding the attempted closure of your account in December, our research determined that the account was brought to a zero balance December 29, 2015, with the purchase of a cashier’s check. However, the account was not closed at this time. We apologize for any misunderstanding that may have occurred with this transaction. Additionally, your comments regarding your unhappiness with the verbiage contained in the Overdraft Notices received associated with this matter are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we did not meet your expectations. I want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. [redacted], I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at [redacted] or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S. Office of the President

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

[redacted] Date: October 29, 2015 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your complaint submitted to the Revdex.com concerning your installment...

loan payments. Please be assured that Fifth Third Bank takes your feedback seriously, and I appreciate the time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my sincere apologies for any frustration this matter may have caused you. Please note that on January 25, 2012, you agreed to a seventy-two (72) month installment loan for $22,664.90 with a maturity date of March 24, 2018. Your payment of $352.37 is due on the twenty-fourth (24th) of every month. Enclosed please find a copy of your installment loan security agreement which details the terms of the loan and includes your full account number. Please be advised that your installment loan is a simple interest loan, with interest accruing daily on unpaid principal. When we receive your monthly payment, we first apply the funds to all of the interest that has accrued since your last payment. Then we apply the remaining funds to the unpaid principal balance. Your payment habits affect the amount of interest you pay over the life of your loan. If payments are not made according to the schedule in your installment loan note, then you may pay more in interest over the life of the loan. Because less of your payments were applied to the principal balance, there may be a larger final payment due to additional accrued interest. We have researched the issues you brought to our attention regarding your loan payments, and unfortunately were unable to find record of a date that the [redacted] Financial Center had an issue with an early closure time of the drive thru. Additionally, upon review of the payment history for your installment loan, we have determined we cannot accommodate your request to waive any late fees. We deeply regret the inconvenience this caused, but if you would like to provide us with further information regarding any payments that may have had a delay in posting, or the specific date and time of the early drive thru closure, we would be happy to look into these matters for you. To assist you in making your future payments I have ordered a coupon book for your loan, which has been sent to the address above in a separate mailing. In addition, your comments expressing less than quality service you have received are very concerning. We strive to provide an exceptional experience to our customers with each interaction, and I am sorry we have not met your expectations. I want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. [redacted], I appreciate this opportunity to address your concerns and thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Sarah S. Office of the President Enclosure: Installment Loan Security Agreement

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 away. Don't think this is the end of this, the whole reason my account was still at a balance of over the $1,500 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 deposit. You'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 through. So you might as well take me off any lists from for advertisements. So, 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 deposit. Don'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 steal. Which is why there are so many class actions suit by people like myself who are sick and tired of Ss like [redacted]! I never wanna hear from her or anyone else there. Just close out all of my accounts now. Checking & Savings. We are through now, except for more formal actions against such deceit!!!
Regards,
[redacted]

[redacted] Date: February 4, 2016 Account: [redacted] Regarding Your Fifth Third Bank Stand Up 2 Cancer MasterCard Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, concerning...

your credit card account. We appreciate the time you have taken to further express your concerns regarding this matter. We received your original Revdex.com complaint on August 5, 2015, and a follow up correspondence on August 26, 2015. However, we stand by our responses dated August 13, 2015 and September 9, 2015. I have enclosed copies of our previous correspondences for your records and convenience. Our position on this matter has not changed. As stated in our September 9, 2015, response. The Bank submitted a request to all three (3) credit reporting agencies to update the revoked status of your credit card, and to remove the late pay marks associated with your April, May and June 2015 credit card payments. Please note, we have verified with the credit reporting agencies, no negative reporting is on your credit report for the last twelve (12) months. For 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 six (6) item thirty (30) titled Changes to this Agreement. Which states: Subject to Applicable Law, we can change this Agreement at any time, regardless of whether you have access to your Account, by adding, deleting or modifying any provision (including increasing any rate of finance charge, increasing or adding fees or charges (including annual fees), changing the method of computing balances subject to finance charge, changing your Account credit limit, changing the date upon which finance charges begin to accrue, changing the Minimum Amount Due or limiting the number or amount of Transactions on your Account). Any such changes will generally be effective immediately unless we are required by Applicable Law to provide you with advance written notice of the proposed changes. If this is the case, those changes will be effective immediately following the effective date stated in the notice. Subject to Applicable Law, any such changes will apply to your outstanding Account balance on the effective date of the change and to any future balances created after that date. If we give you the right to reject a change (whether because it is required by Applicable Law or otherwise), and you do not notify us by the date stated in a notice, or if you notify us but then use your Account after the date stated in the notice, you will be deemed to accept all changes in the notice and to accept and confirm all terms of your Agreement and all changes in prior notices we have sent you regardless of whether you have access to your Account. If you reject a change that we make, we will close your Account. No change to any term of this Agreement will affect your obligation to pay all amounts you owe under this Agreement. As mentioned in our response dated September 9, 2015, the Bank uses an automated system to evaluate a customer’s account. The automated system uses information provided to the Bank by [redacted] in relation to a customer’s credit score. If the customer’s credit score falls within the decrease criteria, the credit limit will be decreased when your balance drops low enough to allow a decrease to take place. Therefore, due to the information receive by the credit reporting agency, your credit limit was decreased upon receipt of your monthly payment. On your statement dated January 27, 2016, your credit limit was automatically reduced to $2,300.00. Based on pending authorizations, the limit decrease did result in your credit card being over the limit. However, on January 27, 2015, you contacted our customer service department about this issue. Although the credit line decrease was executed according to our credit line decrease guidelines, due to the pending authorizations, the Bank increased your credit line to $2,500. Please note, you were not assessed any fees as a result of being over the credit limit. The Bank does send a notice to our customers when there is a credit limit decrease. This notice provides information about the decision to lower your credit limit. I have enclosed a copy of the letter mailed to you on January 25, 2016, to alert you to the lowered credit limit. Please note, the reasons for the decreased limits are: ? Utilization on this Fifth Third Credit Card ? Derogatory Public Record or Collection Filed ? Ratio of Balances To Credit Limits on Revolving Accounts Is Too High ? Current deposit balances. Furthermore, the notice does inform you that the Bank will continue to monitor your account performance for future limit increases and decreases. I hope this correspondence cleared up any outstanding questions you had related to this issue. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8:00 a.m. to 6:00 p.m., ET. Sincerely, Patrick S. Office of the President PC: Revdex.com Enclosure: Previous responses, Credit Card Terms and Conditions, Limit decrease letter

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.  Fthe problem now is that I called so many times and different persons confirmed that I am qualified for the offer. Now they just denies it. what a shame!
Regards,
[redacted]

[redacted] [redacted] [redacted] Date: August 17, 2017 Accounts: [redacted] [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you submitted to the Revdex.com regarding Fifth...

Third Bank Essential 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 or frustration this matter may have caused you. On August 16, 2017, we waved the $11.00 monthly service charge that was assessed to your account and closed your Essential Checking account ending in [redacted] with a zero (0) balance. I am sorry it was not closed upon your initial request. We also closed your Relationship Savings account ending in [redacted] with a zero (0) balance. I hope this letter meets your satisfaction and resolves your needs. Thank you for your patience while waiting for a response. We regret that you felt the need to close your accounts, and we sincerely hope you will reconsider using Fifth Third Bank for 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 Sincerely, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] Date: November 3, 2017 Account: [redacted] Regarding Your Mortgage Loan Dear [redacted]: We received a copy of the additional complaint you recently filed with the Revdex.com (Revdex.com) regarding your escrow refund check. Fifth Third Bank takes your continued feedback seriously, and I appreciate the additional time you have taken to communicate your thoughts and concerns. On behalf of the Bank, please accept my continued apologies for the frustration this matter may have caused you. As we discussed when we spoke, the check that was sent to you on October 18, 2017, was not sent to the correct address. We deeply regret that this occurred, and have verified that this check was stopped, and a new check was sent to you via UPS to the address listed above on October 30, 2017. I was pleased to confirm via UPS tracking number [redacted] that on November 1, 2017, this check was delivered at 12:39 p.m. to your porch. As stated before, Fifth Third Bank strives to provide an exceptional experience to our customers with each interaction, and I continue to be very sorry we have not met your expectations. I also want you to know that customer feedback is reviewed with our senior and executive management teams as part of our ongoing commitment to improving our operations. Mr. [redacted], I appreciate the continued opportunity to address your concerns and thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at [redacted]
[redacted]or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, [redacted] Office of the President Pc: Revdex.com

[redacted] Date: November 21, 2017 Account: [redacted] Regarding Your Vehicle Installment Loan Dear [redacted]: We received a copy of the follow up complaint you filed with the Revdex.com concerning your vehicle installment loan. We appreciate the additional time you have taken to express your concerns regarding this matter. Although it is our sincere desire to assist you, we do not have any additional to provide you with regarding this matter. We feel that our previous response to you dated November 15, 2017, sufficiently addressed this matter. We strive to provide professional and accurate information to our customers, and we apologize for any inconvenience or frustration 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, Adam P.Office of the President

[redacted]Date: February 28, 2017 Account: [redacted] ACCOUunt: [redacted] ACCOUunt: [redacted]Regarding Your Fifth Third Bank Credit Card AccountsDear [redacted]:We received a copy of the complaint you filed with the Revdex.com regarding...

your credit card accounts. 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.On May 2, 2006, the Bank received and approved your application for a Fifth Third Bank Platinum [redacted]. Upon approving the application, the Bank issued a [redacted] account ending in [redacted]. For your records and Convenience, please find enclosed copies of the statements dated September 12, 2014, through your most recent statement dated February 12, 2017. The last payment made toward this account was received on November 2, 2016. This credit card account was connected to your checking account ending in [redacted] as Ready Reserve (overdraft protection).On May 14, 2014, the Bank received and approved your application for a Real Life Rewards [redacted]. Upon approving the application, the Bank issued a [redacted] account ending in [redacted]. For your records and Convenience, please find enclosed statements dated June 5, 2014, through your most recent statement dated February 5, 2017. This account was also connected to your checking account as Ready Reserve (overdraft protection).For your Convenience please find enclosed copies of your checking account statements and overdraft notices. Please use the enclosed documents as verification of the overdraft history of your checking account, and that both Credit card accounts were utilized as Ready Reserve for your checking account ending in [redacted].Please review the enclosed statements and contact the Dispute Resolution Department if you wish to dispute any transactions. You can contact the disputes resolution department at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m.; Saturday 8:30 a.m. to 5 p.m., ET. Thank you for your patience while we researched this matter for 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.E.T.Sincerely,Patrick S.Office of the PresidentPC: Revdex.comEnclosures: Credit Card Statements for both a CCountsChecking Statements Overdraft Notices

As a follow-up to our other emails related to this complaint, we have fully responded in writing and the customer is welcome to contact her Financial Center to discuss possible solutions. There is nothing further I can add.  Let me know if this is sufficient to close the case on your end.   Thank you,Alison S.Customer Care Team SpecialistFifth Third Bank | Office of the PresidentPhone: ###-###-####

[redacted] Date: November 27, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com regarding your checking account....

We appreciate the time you have taken to express your thoughts and concerns regarding this matter. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. Overdraft coverage allows debits and payments to be made even if you do not have enough money in your account. Effective June 11, 2010, customers had the option to choose whether to continue having overdraft coverage on their account for Automated Teller Machine (ATM) transactions and one-time debit card transactions. When overdraft coverage is activated, ATM transactions and one-time debit card transactions may overdraw the account and would potentially result in overdraft fees. If overdraft coverage is declined, it does not prevent ACH (Automated Clearing House) transactions, check items, or recurring debit card transactions from posting to the account, and the transactions may be assessed overdraft fees if they post when there are not enough funds available. The overdraft fee for the first (1st) overdraft occurrence is $25.00, any additional overdraft items thereafter will be $37.00 per item. Your checking account was opened on January 19, 2010. At the time your account was opened, customers did not yet have the option to opt-in to overdraft coverage. You declined overdraft coverage on June 21, 2010, at an ATM. Because you did not make a decision to opt-in or to opt-out of overdraft coverage when it became available to you on June 11, 2010, you were opted out of overdraft coverage automatically from June 11, 2010, until you declined it on June 21, 2010. Because you declined overdraft coverage, your ATM and one-time debit card transactions are not approved if there are insufficient funds in your checking account at the time of the transaction. You mentioned in your complaint that you were charged overdraft fees on transactions that should not have been approved because you have not opted-in to overdraft coverage. Specifically, you mentioned the timeframe of January 2014 through the present. We reviewed each overdraft fee that has been assessed to your account since January 2014. Our review determined that the overdraft fees assessed to your account were assessed accurately and in accordance with Federal Regulation. Each transaction that has been charged an overdraft fee on your checking account has been a check, an ACH transaction, or a recurring debt card purchase. As explained above, checks, ACH transactions, and recurring debit card purchases are not covered by overdraft coverage under the Federal Regulation, meaning we are permitted to charge fees to those transactions. Enclosed for your reference are copies off all the statements and overdraft notices that have been issued to you for your checking account since January 1, 2014. While reviewing the overdrafts that have occurred on your account, we noticed multiple transactions to “[redacted] DEBIT CRD ACH” that have posted to your checking account and caused fees. Please note that these are purchases made using a debit card that was issued to you by the retail store [redacted]. The debit card is linked to your Fifth Third Bank checking account. However, this is not a Fifth Third Bank issued debit card. The transactions you complete using the [redacted] debit card do not process an authorization to your checking account to ensure that funds are available. The transactions you complete using the [redacted] debit card post to your account as an ACH transaction, which is not covered by overdraft coverage. You mentioned that you have been charged overdraft fees for transactions that were not showing on your pending account activity. Please note that checks and ACHs transactions do not show as pending items on your checking account. For this reason, you do not see checks or ACH transactions as pending items on your account. We process transactions at the end of each business day and do not process transactions on Saturday, Sunday or Federal Holidays because they are not considered business days. As a result, checks and ACH transactions are visible on the account the day after the payments were presented to the Bank, and they are dated for the business date they were received. Each customer is responsible for tracking their balance and non-debit card transactions so that they know how much money is actually available to them after their checks and ACH transactions process. Enclosed for your reference is a copy of the Rules and Regulations Applicable to All Fifth Third Consumer and Business Banking Accounts and Cards. Pages eleven (11) and twelve (12) explain how we process your transactions each day. Please be assured that our processing order for your transactions complies with all Federal Regulations. Effective March 25, 2011, transactions that post to your checking account are processed as follows: 1. Add in credits and deposits made prior to the end of day cutoff time (according to our Funds Availability Policy) 2. Deduct posted timestamped debits, including ATM transactions and debit card transactions, in the order they took place 3. Deduct all other posted debits including checks, ACH transactions, electronic bill payments and fees, in the order of highest amount to lowest amount 4. Deduct fees and service charges in the order of highest amount to lowest amount You also mentioned that you have been told by Bank personnel that there are transactions you cannot see as pending, but Bank employees can see as pending. I apologize for any misinformation that may have been provided to you. Bank employees are able to view the same pending account activity that you can see. However, our Customer Service Department has access to a separate system that will show if there is an ACH transaction scheduled to process out of your account. If you would like to contact the Bank in the future to verify if we have information about ACH transactions scheduled to process from your account, please contact the Customer Service Department at ###-###-####. Customer service is available to look up information in this system for you Monday through Friday from 7 a.m. to 8 p.m., ET. Please note that this system will show the ACH information only if the merchant has already submitted the information to the Bank. Additionally, that system updates regularly throughout the day. It is possible that you can call the Bank at 10 a.m. and there will be no ACH information listed, but then we receive the information at 5 p.m. the same day. If that were the case, you would have been notified at 10 a.m. that there were no ACH transactions scheduled to process at that time. However, an ACH transaction would have processed because we received the ACH request later that day. We cannot guarantee at any time that the transactions listed in our ACH system are the only ACH transactions that will post to your account. This system also does not track checks that are not converted to electronic transactions. You stated that the overdraft fees assessed to your account accumulate additional overdraft fees. Please be assured that Fifth Third Bank does not charge overdraft fees on Bank fees that cause your checking account balance to become negative. During our review of your account, we confirmed that you were not charged overdraft fees on Bank fees. It is possible, however, for an overdraft fee to cause a further negative balance on your account, which could in turn cause additional transactions you completed to post in the negative. If that is the case, the transactions you completed are subject to returned item and overdraft fees. For your convenience, enclosed is a reference guide titled Fifth Third Overdraft Solutions that provides additional information related to the overdraft fees that were assessed to your account and ways to track your balance to help avoid overdraft fees in the future. Information regarding overdraft coverage options is also provided on the enclosed document. Please feel free to contact me directly at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. The Bank also offers the option to remove overdraft coverage for checks and ACH transactions. If you decline overdraft coverage for checks and ACH transactions, the Bank will return these transactions as unpaid if there are insufficient funds. Please note that the transactions are still subject to returned item fees. Additionally, the merchant is able to present the transaction again multiple times, which will incur a returned item fee each time if funds are not available. If you would like to decline overdraft coverage for checks and ACH transactions, please visit your local banking center. You can also contact the Customer Service Department, or myself using the phone number listed below. Customer service is available to assist you with overdraft coverage Monday through Friday from 7 a.m. to 8 p.m., ET, and on Saturday from 8:30 a.m. to 5 p.m., ET. I am sorry for the difficulties you have encountered regarding your account. As a valued customer, we reversed fees totaling $74.00 on September 2, 2015, as a courtesy to you. Therefore, we are not willing to waive additional fees at this time. As of November 23, 2015, your account has a balance of negative ($872.07). We appreciate your patience while we researched this matter and apologize for any difficulties or concern you may have experienced. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Shawna T. Office of the President Pc: Revdex.com Enclosures: Statements and Overdraft Notices, Rules and Regulations, Fifth Third Overdraft Solutions

[redacted] Date: November 16, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your additional rebuttal filed with the Revdex.com along with a copy of the Certificate of Liability Insurance faxed from your [redacted] Insurance agent. We appreciate the additional opportunity to research this matter. As advised in our previous responses, according to our insurance center, your comprehensive insurance coverage was cancelled on December 16, 2015. A new policy was written on March 30, 2016, that included comprehensive coverage. However, the effective date for this policy was May 24, 2016. Subsequently, the Bank purchased insurance coverage, on your behalf, that was in effect from December 16, 2015, until May 24, 2016. In your most recent rebuttal, you claim that the certificate provided from [redacted] Insurance documents that you had comprehensive coverage on the vehicle held for collateral from March 30, 2016, until September 15, 2016. However, our insurance center called your [redacted] Insurance agent directly and was advised that there was not comprehensive coverage on the vehicle until May 24, 2016. Your agent stated that a policy was written on March 30, 2016, however, comprehensive coverage was not added until May 24, 2016. Therefore, the insurance policy that was purchased by the Bank was necessary and you are not entitled to a refund for any of the insurance purchased. This is the same information that has been provided to you by the Bank previously. Our response on this matter has not changed. We consider this issue closed and will no longer respond to you regarding his matter. 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, [redacted] 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.   
Regards,
[redacted]