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 While I understand 5/point of view, a customer is in a banking center to ask questionsWhen a representative of that company tells the customer not to make the payment as it will be included later, the customer believes that employee to be correctWhich is what happened hereI even described the employee we dealt withAlso, to 5/comment about how they stopped calling on a certain dateI signed papers and closed well before the harassing calls and letters stoppedThey sent me a certified letter more than weeks after I closed on the house and the new owners had already moved inTheir out of state collectors continued to call athe all hours of the day long after I sold the residence as well.I simply followed the directions of the employee at the locationFor years I owned that propertyThe only issue ever, was when I made my payment to a month early and they could not process the payment that early but did not bother to tell me and reassigned my payment into another accountThat took them several months to get that straightened outThis being the last payment ever, I simply want them to reverse the late payment so I can purchase a home that I have worked so hard to provide for my familyThis is the single reason I cannot purchase a new home overy miles away Regards, [redacted]

[redacted] Date: July 15, Account: [redacted] Regarding Your Checking Account Dear [redacted] ***: We received a copy of your complaint filed with the Revdex.com, concerning your Fifth Third Bank checking accountWe appreciate the time you have taken to bring this matter to our attention I am sorry for your unsatisfactory experience concerning the promotional offer for opening a checking account with us It was certainly not our intention to cause you any difficulties or frustrationWe understand your desire to receive the benefits of the new relationship offer with the BankHowever, this offer was not available to existing customers or those with a Fifth Third checking account that has been closed within the last twelve (12) month Our records show that this is not your first relationship with usOn November 28, 2014, you opened an Essential checking account and a Goal Setter Savings accountTherefore, the Bank does not consider your E-Access checking account ending in to be a new relationship While we certainly want your business and hope to have a continuing relationship with you, we are not willing to credit your account for the $bonus We hope this correspondence will help you understand Fifth Third Bank’s position going forwardWe appreciate your patience while we researched your requestIf 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, Elizabeth JOffice 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 complaintThey haven't changed anything or admitted that my father gave them the correct information and the in put the wrong information 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 It does not mention that the previous late fees that needed to be waved were due to Fifth Third employees improperly filing my payments It also does not note that I was told by Fifth Third that I was bringing my loan up to date when I made the two payments This has nothing to do with me not having the money to pay the bill and everything with Fifth Third profiting on a complex system of paying a loan that I did not take out with their company I have spent many hours on this loan and filled out many papers to try to get them to set up an auto pay To date this still does not exist I will accept it when Fifth Third finally chooses to process my autopay They have had what they say is all the paperwork for over a week now Regards, [redacted]

Sending again the letter from GAP Insurance LEgal Department Fifth 3rd is claiming they do not know why the GAP did not PAY more, but according to the GAP letter it indicates that GAP does not send a payment and the bank actually WAIVES the balance due at the time of the accident after the primary insurance pays ( [redacted] ) The amount considered GAP would be based on information the BANK provided which was incorrect as the BANK has not returned the entire payment I made after the accident which was $on Dec I was told by their employee that I would receive this amount back but needed to make this payment to protect my credit

Please see below and attachedThank you [redacted] *** [redacted] *** I [redacted] *** Date: April 26, Regarding Your Complaint Dear [redacted] ***: We received a copy of the complaint you submitted to the Revdex.com (Revdex.com) regarding your recent experience when contacting the BankWe appreciate the time you have taken to document your thoughts and concerns regarding this matterWe sympathize with the difficulties you have experienced, and want you know that we truly appreciate your service to this countryOn behalf of the Bank, please accept my sincere apologies for the level of service you received when you recently contacted the Bank to update your mailing addressPlease be assured that Fifth Third Bank takes these matters very seriously, and we strive to provide an exceptional experience to our customersI also want you to know that customer feedback is reviewed by our senior and executive management teams as part of our ongoing commitment to our customers’ satisfactionAfter receiving your complaint, I attempted to contact you to further discuss your concerns, but I was unable to reach youHowever, based on your complaint, I listened to the recordings of your calls to the Bank, and I forwarded your concerns to the relevant parties within the BankHowever, I cannot inform you of any specific internal actions that may have been takenThe Bank is required to have a permanent physical address for all customersThis policy is in place help protect the customer and the Bank from possible loss or fraudIt is certainly not intended to cause you any our customers any hardshipAlthough we are required to have a permanent physical address for all customers, a customer does not have to receive mail at the permanent addressA P.OBox can be used as a mailing addressI am sorry if there was any misunderstanding when you called the Bank on April 7, If you would like to make any changes to your mailing address in the future, please contact customer service at ###-###-####, Monday through Friday, a.mto p.m., and Saturday, 8:a.mto p.m., ETThank you for your patience while waiting for a responseIt 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 usIf 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, Elizabeth D.Office of the President Pc: Revdex.com

[redacted] [redacted] *** [redacted] *** Date: September 30, Account: [redacted] Regarding Your Mortgage Loan Account Dear [redacted] : We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your mortgage loan 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 matterI understand per your complaint that you mailed a payment for your mortgage loan on May 10, 2016, that was not received by the Bank timelyI reviewed your account and confirmed that we did not receive a mortgage payment in May The payment due for May 1, 2106, was processed on April 18, Therefore, your account was then due for June 1, When we did not receive the payment for June 2016, our Collection Department began calling you on June 17, 2016, using the phone number on file to notify you of the delinquencyWe also sent a late payment notice to you on June 16,However, we were unable to speak to you until you called the Bank on July 6, We did not receive payment for the June due date until July 1, It was processed on July 5, 2016, but was backdated to July 1, The funds covered the payment due for June Because the funds were received more than thirty (30) days after the due date, the delinquency was reported to the credit reporting agenciesYou called into the Bank on July 6, 2016, and advised you mailed in another payment for the accountYou asked if we would waive a late payment fee, but the agent you spoke to advised there was no late fee assessedThe agent also discussed setting your account up online so that you could make payments online to avoid a lost payment in the futureBased on our review of the phone call, you asked if there was going to be a fee from your credit union for paying the loan online through our websiteThere is no fee from Fifth Third Bank to make your mortgage payment online at 53.comWe did not identify any discussion of your credit report or removing your late paymentWe also do not have any other record of a Bank employee advising you that the late payment for June would be removedWe received your next payment on July 8, 2016, which covered the July 1, 2016, due dateListed below are the payments we received for the account since that time: [redacted] $1,on July 29, 2016: Covered the payment due on August 1, [redacted] $on August 19, 2016: Covered the payment due on September 1, [redacted] $1,on August 26, 2016: Principal only payment [redacted] $1,on September 16, 2016: Covered the payment due on October Please note that it does not appear we received the check you sent in May Enclosed for your review are copies of all the payment checks we received for the mortgage from April through September The April check number was The next check we received in July was check number Each payment received after that had the next check number in the sequence, and none had the date written on top for May We have not received check number You may wish to contact your financial institution to report the check as lostIf we receive the check in the future, we will attempt to process itIf there is a stop payment on the check, we will reverse it off your mortgage loan account and a returned payment fee may be assessedIf this happens, please contact me directly using my phone number listed below and I will waive the fee from your mortgageOn July 6, 2016, you were advised that no late fees were charged to your accountUnfortunately, this information was not correctA $late payment fee was paid out of your July 1, 2016, mortgage paymentPlease be assured that I waived the fee on September 14, We applied the $as a principal only paymentWe verified that the late payment listed on your credit report is accurateFifth Third Bank complies with the Fair Credit Reporting Act (FCRA) to report accurate account informationBecause there was not a Bank error that caused the June payment to be processed late, we are unwilling to remove the delinquency from your credit reportI apologize for the distress this may cause youAs of September 27, 2016, your mortgage loan is current and the next monthly payment is due on November 1, 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 Enclosures: Late Payment Notice, Check Images (7)

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 notes were incorrect stating that Fifth Third Bank's insurance department contacted my insurance agentOn the contrary! My agent contacted them on several occasions to try and correct the bank error stating our policy was not effective until May 29,It was Effective the beginning of March,with full comprehensive coverageI have all payment receipts to my insurance agency and policy dates to prove my coverage and payments I made each month of $to cover myself AND my wife which is not even requiredWe went the extra mile to pacify this bankThe bank never sent me a copy of proof of letters sent to us in December, Janurary, and MarchIn March (I still hold all receipts and documentation and phone recordings to back up my claims and will be providing them to be reviewed as proof) I brought my account up to current status because we had fallen behind on a couple of payments due to hardship and serious life threatening illness of my father which resulted in my wife leaving her job to care for him and the bank refused to work with us during that time even when we requested an extension of only days for our monthly payment, instead, only adding stress to the situation by demanding full payment or repossessionNone the less, we could not keep up and fell behindThat was our fault and we completely take full responsibility for it, however, in March, we made things right, so we thought, and fully paid all outstanding balances and even sent the payment through [redacted] paying an extra $for rush delivery(I have proof with receipts and will provide for review)We asked twice if there were any other grievances on the bank's end that needed to be addressed by us (we recorded this particular call having learned from past experiences with this bank and will be providing it for review as well) and were told twice on two separate occasions, "No Mr ***This will bring all problems with your account to a close and you may return to your regular payments of $monthly and we greatly appreciate the business you bring us." We resumed those payments immediately (receipts on those as well for review) for March and April because we were not told different nor were we sent a new payment booklet as the bank claims until May In MAY I recieved a payment booklet with payments for $monthlyAfter spending hours on the phone trying to sort this mess out to no avail and told them we never recieved a booklet in March this booklet magically appeared a few days later in our mailbox A SECOND payment book was recieved THREE DAYS LATER reflecting the $payments as stated in this letterI still have both envelopes showing the postmark as being mailed day apart on May 30,This bank charged us retroactively after we had brought our account to good standingThey charged us for insurance lapses in December and January and FebruaryThey did not charge us until March and when we proved with many many faces direct from our agent in addition to phone calls that she was also spoken poorly to by the Bank's customer service agent, we had current coverageThey told us the insurance was retroactive and even though the time had passed they were going to add a policy for December 2015, Janurary 2016, and Feburary 2016, on March 16,after we were told by customer service agents (names and employee ID are recorded but omitted here for privacy) there was nothing else that needed to be addressed at the beginning of March! I asked if they would cover damage that occurred during that time period and they replied yesIt so happens there was damage by a hail storm in the amount of $3,that we would have to pay out of pocket and asked if we could file a claimThey Athens changed their tune and the dates they were charging us forThey saw an opportunity to make an extra $on our loan despite the fact that they did not catch it until March We then recieved a letter IN WRITING a couple of weeks ago that said in fact the insurance charges were only for March, April, and MayConvenient is it not? So which is it?December-May as stated in this letter, or March-May as stated in the latest letter we recieved in the mail last week? We have come to an impass with this financial institution with their unwillingness to correct their mistake and continue to fabricate the dates that fit their claims to squeeze excess money from us, while ruining my credit in the process and preventing us from our first home purchase and, also, so that I am unable to refinance with a different financial institution who does not have a reputation of misleading their customers, who are crude when they call, who willfully and maliciously attack customers they know are in an impossible situationThey charge you just enough that it would be cheaper to pay them than an attorney to fight them in courtThey want you to failThey want to squeeze every last dime from you until they bleed you dry and can not get any extra funds from you and then take your property so they profit off some other poor unsuspecting soulPlease do your research before using this bank! The information is out there! All you have to do is a simple Internet search for customer reviews on car loans with Fifth Third Bank and look at their [redacted] page in the comments! There are countless customers who have been scammed in the same fashion and manor as we have beenWe didn't do our researchWe just saw a low interest rate and jumped on itWe've paid double that interest rate by now We have hired an attorney who is starting proceedings to address this insurance scam and breach of contract on the bank's part in a civil court and also sending the complaints to [redacted] State Attorney General, [redacted] , to assist us in the investigation of Fifth Third Bank's practices and to see if he can take action against them as wellWe are paying the amount they are demanding, since they are ruining my credit and sent a repossession man to our place of business today, and seeking reimbursement for this and whatever else our attorney seems suitable plus attorney fees in courtI would rather pay an attorney and lose that money than let this bank to continue to Harris us for the remainder of the loan which is roughly more yearsAll further communication with Fifth Third Bank and myself will be through our lawyer whose name is omitted to protect privacy Regards, [redacted] ***

[redacted] [redacted] *** [redacted] *** Date: November 25, Account: [redacted] Regarding Your FlexLine Account Dear [redacted] : We received a copy of your complaint filed with the Revdex.com (Revdex.com) regarding your Equity FlexLine accountWe appreciate the time you have taken to express your thoughts and concernsThank you very much for taking the time to speak with me on November 10, 2016, regarding your concerns about the application process for your equity line of creditFifth Third Bank strives to provide best in class customer service while helping fulfill our customers’ financial needsAfter reviewing this matter, it is clear that the level of service you received is not what we strive to achieveOn behalf of the Bank, please accept my sincerest apologies for the frustration, inconvenience, and dissatisfaction you experienced when applying for your equity loan, including the missing form needed to disburse the loan funds and the checks you received from the banking center that were unsignedOur customers’ experience is very important to us, and we take this matter very seriouslyWe appreciate your feedback regarding the issues with your loan origination because it helps us to identify problems so we can work to rectify issues and improve the service we offer to our customersIn addition to this matter having been reviewed and addressed, please be assured that our senior management review complaints received by the Office of the President on a monthly basisYou requested that Early Access Advance fees totaling $be waived from your accountYou will see on your account that $in previous overdraft fees were waived from the checking account on November 21, This waiver was processed to credit your account for the $in Early Access Advance fees you previously paidWe 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

[redacted] *** [redacted] *** [redacted] *** Date: April 15, Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted] ***: We received a copy of the complaint you filed with the Revdex.com (Revdex.com), regarding your installment loanWe appreciate the time you have taken to express your concerns regarding this matterOn 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 feedback as part of our ongoing commitment to improving our customers’ satisfactionOn March 15, 2016, the Bank received and processed your installment loan payment for $30,This payment satisfied the amount owed on your installment loanThe Bank sent you a paid in full letter, which I have enclosed for your records and convenienceBecause [redacted] is an electronic title state, the State automatically releases our lien when an account is paid in fullAdditionally, [redacted] prints and sends a title lien free directly to youBecause the Bank’s lien has been released from the vehicle, we are not able to file for a duplicate title on your behalfYou will need to contact the state title office for a duplicate titleIt was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matterYou are a valued customer and we hope you will allow us to serve 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: Paid In Full Letter

[redacted] *** [redacted] *** [redacted] *** Date: July 5, Account: [redacted] Regarding Your Checking Account Dear [redacted] ***: We received a copy of the complaint filed with the Revdex.com regarding your checking account with Fifth Third BankWe 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 or frustration this matter may have caused youPlease be assured that we have contacted the relevant parties to fully research your account and passed on your concernsOur records indicate that your checking account became overdrawn on June 7, The account remained overdrawn and was charged off for $on August 2, I have enclosed the related checking account statements for your reviewThe charged off checking account was sold to a third party collection agency, ***, on April 1, *** has since went out of business and may have sold the debt to another collection agency, which is why you’re likely receiving callsSince we have sold this account and no longer own the debt, we are unable to stop the current collection activityYou may contact the collection agency to request a validation of the amount they are attempting to collectIn addition, you also reserve the right to send the collection agency that is contacting you a written request to cease and desist any future telephone calls regarding the outstanding debtPlease be aware that while they may no longer make telephone calls to you upon receipt of your written request to cease and desist, the third party may proceed with further collection efforts or a judgment as an industry practiceWe have updated [redacted] to remove the reporting for this accountPlease allow up to thirty (30) days for [redacted] to update their recordsYou may present this letter as proof of the update should you apply for credit within the next thirty (30) daysIf you would like to contact [redacted] to confirm that our reporting has been removed, you may contact [redacted] , on the Internet at www.consumerdebit.com, via telephone at ###-###-#### or by mail at: [redacted] , Consumer Relations, and [redacted] ***We appreciate your patience while waiting for a responseYou are a valued customer and we hope you will allow Fifth Third Bank to service your financial needs in the futureIf I may be of any further assistance, please contact me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ESTSincerely, Lisa S.Office of the President Pc: Revdex.com Enclosure: checking account statements

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 meI still think the bank should address the problems internally as well to ensure other customers don't have the same sub-par experience that we encounteredI do appreciate the steps they took with our loan after the complaint was madeI hope that our contractor and I have a pleasant experience with Fifth Third during the 6-months of construction Thank you so much for your help in getting this matter resolved [redacted]

[redacted] *** [redacted] [redacted] *** Date: October 23, Account: [redacted] Regarding Equity FlexLine Account for [redacted] *** Dear [redacted] ***: We received a copy of your follow up complaint submitted to the Revdex.com, regarding your Power Of Attorney (POA) for [redacted] Equity FlexLine accountWe appreciate the time you have taken to document additional your thoughts and concerns regarding this matterAlthough you state that your mother does not remember revoking your POA, we were provided with a letter bearing [redacted] signature that revoked your POA effective March 17, Therefore, we are not able to share any details with you concerning your mother’s Equity FlexLine or recent address changes made on her behalfIf you are able to provide us with updated documentation showing you as POA, we would be more than happy to assist you at that timeIn addition, at Fifth Third Bank we are committed to doing what is right for our customers and this commitment includes our fair and responsible lending practicesOn September 28, 2015, Fifth Third Bank entered into an agreement with the government to settle two consumer protection mattersThese matters impacted a limited number of customers, many of whom have already been reimbursedPlease be assured that Fifth Third Bank has put safeguards in place to avoid future issuesHowever, we are unable to provide you with any details regarding the settlement at this time [redacted] ***, we apologize for any inconvenience this situation may have caused youIf 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, Danielle SOffice of the President

May 17, [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 May 13, 2018, regarding the informal complaint filed by Mr***Armstrong has had the opportunity to investigate this Complaint and offer the following information.Upon receipt of multiple complaints by Mr [redacted] regarding assistance with his bill, it was determined that the customer started service on March 16, and has yet to make a paymentMr [redacted] is at this point requesting payment arrangements however, Armstrong’s existing policy requires the receipt of two payments before consideration for alternative credit arrangement can be grantedAs an aside however, Armstrong has also granted Mr [redacted] a $credit as a courtesyWe encourage Mr***, if he wishes to avoid interruption to his service, to make an immediate payment.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] ***Date: July 14, Account: ***2341Regarding Your Overdraft FeesDear [redacted] :We received a copy of your complaint submitted to the Revdex.com concerning the overdraft fees you recently accrued on your checking account after delayed debit card purchases posted due to the fraud block on your debit card ending in ***I appreciate the time you have taken to communicate your thoughts and concerns.On behalf of the Bank, please accept my sincere apologies for a [redacted] frustration this matter may have caused youPlease be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the BankI also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction.Our research determined that the delayed transactions, which totaled $321.03, are as follows: 05/21/ [redacted] $05/21/ [redacted] $05/21/ [redacted] $05/20/ [redacted] $05/21/ [redacted] ###-###-#### FL $05/20/ [redacted] ** $05/21/ [redacted] $05/21/ [redacted] $05/22/GS [redacted] $05/22/GS [redacted] $05/22/ [redacted] $ If any transaction listed above is not legitimate, please either contact me to discuss the matter further with the information listed below, or call our Bankcard Fraud department directly at ###-###-####, twenty-four hours a day, seven days a weekWe regret the inconvenience this matter may have caused you, but as the customer you are in the best position to know if items you have purchased using your debit card have cleared your checking account by utilizing a checkbook registerDue to no bank error being found in our research of this matter, we are unable to refund your overdraft fees [redacted] it was certainly not our intention to cause you a [redacted] hardship and we appreciate your patience while we researched this matterIf 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, Sarah S.Office of the PresidentPc: 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 have received a response from the bank stating that there is nothing more they can doI'm asking that the Revdex.com take a serious look into their practicesI understand they may be operating under federal banking guidelines, but are 5/3rd practices ethicalI was charged serious number of late fees in an incredibly short period of timeLook into this carefully Regards, [redacted] ***

Below is our response to the customerIn addition to the response attached above and the credit card agreement attached above, eight (8) statements from credit card statement ending August 12, through credit card statement ending March 12, being sent to the customer in the mail [redacted] *** Date: March 25, 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 matterOn 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 January 6, 2005, the Bank received and approved your application for a Fifth Third Platinum [redacted] Upon approval of your credit card 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.On August 12, 2015, the Bank sent your credit card statement indicating a minimum payment of $due by September 9, I have enclosed a copy of this statement for your recordsThe Bank did not receive a payment by September 9, Therefore, on September 10, 2015, a late charge of $posted to your credit card statementThe next credit card statement was generated on September 11, 2015, indicating a minimum payment of $1,due by October 9, Included in this payment is a past due amount of $I have enclosed a copy of this statement for your recordsOn October 9, 2015, the Bank received and posted your credit card payment for $However, this payment was not enough to satisfy your minimum payment due; therefore, on October 12, 2015, a late charge of $posted to your credit card statementThe next statement was generated that same day, indicating a minimum payment of $due by November 9, Included in this payment is a past due amount of $ I have enclosed a copy of this statement for your records.On November 9, 2015, the Bank received and posted your credit card payment for $However, this payment was not enough to satisfy your minimum payment due; therefore, on November 10, 2015, a $late charge posted to your credit card statementOn November 12, 2015, your next credit card statement was mailed to you, indicating a minimum payment of $1,due by December 9, The Bank did not receive a payment by December 9, Because you had missed two or more consecutive minimum payments, on December 22, the Bank revoked the ability to make debit transactionsPlease note because your account has been revoked, you are not able to make payments onlineWe did verify that you contacted our Hardship Department on December 19, to set up a repayment planYou were advised to make payments of $per month for twelve monthsOur agent was able to schedule four monthly payments for you at that time through starting on January 8, and ending April 8, However, you will need to contact the Collection Department to set up future paymentsThe Collection Department phone number is ###-###-####A customer service representative is available Monday through Friday, a.mto p.m.; Saturday and Sunday, a.mto p.m., ET.Enclosed are your statements for December 2015, January February and March Please note on the enclosed statements, the mailing address for your credit card account is the same address on your Revdex.com complaintWe sincerely apologize if you have not received your credit card statements.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 provide to the credit reporting agencies is accurateIf 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, Patrick S.Office of the PresidentPC: Revdex.com

[redacted] [redacted] *** [redacted] *** Date: December 20, Account: [redacted] Regarding Your Fifth Third Checking Account Dear [redacted] : We received a copy of the complaint you filed with the Revdex.comWe are sorry to hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concernsAccording to page nine (9) of our Digital Services User Agreement: “Within the Mobile and Online Banking Bill Payment section, we use the term "Deliver By.” This is the date that you want the payment to be delivered to a PayeeIf the date falls on a non-business day, it shall be delivered the preceding Business Day.” A copy is enclosed for your referenceOn November 27, 2017, you made a one-time payment for $to [redacted] The due date you chose was December 1, 2017, because December 3, 2017, fell on a SundayThe check dated November 27, 2017, was presented for payment by the payee on December 1, The beginning balance in your checking account ending in [redacted] on December 1, 2017, was $The payment for $was not paid due to insufficient funds and one (1) $fee was charged to the checking account the following business dayAn overdraft notice that includes a detailed breakdown of the day’s transactions is generated and sent to the address on fileIt is also viewable when you log into your accounts online or via your mobile deviceYou purchased a money order for $on December 4, Then, on December 5, 2017, the payee presented the check for payment againThe balance in the account was $The item was not paid due to insufficient funds and one (1) $fee was charged to the checking account the following business dayBecause this payment was sent according to instructions provided by you, and covered by our Digital Services Agreement, we are not willing to reimburse you for any fees charged to you by the payee, or other merchants, while your account was overdrawnThe customer is responsible for ensuring that there are funds in the account to cover a bill payment when the merchant presents it for paymentAs a courtesy to you, previous overdraft fees were waived on October 16, 2017, and on October 26, We strive to provide quality service to all of our customers, and I apologize that we failed to meet your expectationsWe certainly sympathize with the difficulties you have encounteredIn the interest of customer service, an additional $in overdraft fees has been reversedYour account balance remains negative ($17.89)In addition, we have placed a stop payment order for the check number [redacted] dated November 27, 2017, to [redacted] , so that it will not be paid in the event they attempt to present it for payment againI understand your frustration when this situation occurred and I am sorry for any inconvenience this matter caused youYou are a valued customer and I appreciate this opportunity to address your concernsIf I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, a.mto p.m., ETSincerely, Alison S.Office of the President Pc: Revdex.com Enclosure: Digital User Services 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 Regards, [redacted] I have already been in contact with fifth third office of the presidentShawna 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 placeShe said she would send me a letter by mail to say that she had fixed a problem with my account , in my favorSecondly, 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

I received notification from representative on 8/that pays the larger amount first instead of paying the smaller firstThe phone call was recordedThe representative admitted that is the process Additionally, bank was involved in a class action law suit regarding this practiceI received a letter indicating regarding this class action outcome The $overdraft reversal was due to identity fraud case in [redacted] in November that caught the transaction It concerns me that Elizabeth is making the case that generously reimbursed $in overdraft fees this year for me and did not mention the identity fraud issuePlease reverse tge overdraft feesI have been a long term with this bankI am really considering other banking optionsI am extremely disappointed about this situation