PROCORPSA

[redacted] Date: September 11, 2015 Account: [redacted] Regarding Your Essential Checking Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com concerning...

your Essential Checking account. We appreciate the time you have taken to document your thoughts and concerns, and we sympathize with the difficulties you haveexperienced. Your comments expressing less than quality service are very concerning and we regret the difficulties you experienced. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you.Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by local management, as well as our senior and executive management teams as part of our ongoing commitment to improving our customers’ satisfaction. We completed a review of the Essential Checking account ending in [redacted]. The account was opened on April 3, 2015, and the Bank was unable to apply the necessary code to the account for the promotional offer. The first direct deposit was received into the account on April 30, 2015, which satisfied the requirements for the $200.00 cash bonus promotional offer. Our research determined the [redacted] Banking Center was to submit a request for the cash bonus offer in the amount of $200.00 to be credited to your account, and we regret the difficulties you experienced while attempting to complete this process. On September 10, 2015, we submitted a request, and the $200.00 was credited to the Essential Checking account. I hope this letter meets your satisfaction and resolves your need. Thank you for your patience while we researched this matter for you. We truly value your business, and we look forward to continuing our banking relationship with you. 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, April Q. Office of the President Pc: Revdex.com

I provided an attached  document and due to technology error of the online banking process the bank should be considerate of that fact and refund 50% of the $222 overdraft fees: $111 (74+37) which leaves a remaining refund request of $37 to resolve this matter.

[redacted] [redacted] [redacted] Date: November 30, 2016 Account: [redacted] Regarding Your Fifth Third Bank Account Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com. We are sorry to...

hear about the difficulties that you have experienced and we appreciate the time you have taken to document your thoughts and concerns. We strive to provide quality service to all of our customers and I am sorry for your unsatisfactory experience during your previous attempts to resolve this matter. Please be assured we have researched this matter fully, and passed your concerns on to the relevant parties within the Bank. You opened the Essential Checking Account ending in [redacted] on July 12, 2016, in order to take advantage of a promotion where the new account would receive a credit of $200.00 if the qualifying activity criteria were satisfied. The qualifying activity included setting up direct deposit and making three (3) online bill payments using Fifth Third Bank’s online bill payment service within ninety (90) days of opening the account. I have enclosed an example of the terms and conditions listed on the promotional material. Because the online bill payment requirement was not satisfied, the account does not qualify for the $200.00 promotional bonus. I regret that you found the process of setting up a payee in our online bill payment service difficult. In order to add a payee through the mobile app, please follow these steps: 1. Log into the mobile banking app; 2. Select the MENU ICON located in the top left corner of the screen; 3. Click PAYMENTS; 4. Click the ADD PAYEE icon (envelope with a plus sign) located in the top right corner of the screen; 5. Select ADD PAYEE; 6. Enter the Payee Name; a. If the Bank has a relationship with the payee, suggested matches will appear. Select the correct payee address from the list. 7. Enter your Account Number; 8. Enter the address of the Payee, if required; 9. Click ADD located in the top right corner of the screen; 10. The next screen displayed will be the NEW PAYMENT screen where you can initiate a payment to the new payee. On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. You are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Alison S.Office of the President Pc: Revdex.com Enclosure

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 haven't received anything on what you found when you get hacked ain't that how they can do these things to you have your info and ain't that what the bank is for to make sure money is secured I shouldn't have to contact no one but your businesse unless you have a driverlicense that I am sure you needed to get a room on file or a credit card or a photo of me in the hotels I don't see how you came up with this outcome

[redacted]
[redacted]
[redacted]Date: April 29, 2016Account       [redacted]Regarding Mobile Text AlertsDear
[redacted]:We received a copy of the complaint you filed with the RevDex.com concerning mobile text alerts for your...

Business Basic checking
account.On behalf of the Bank, I apologize for the difficulties you have
experienced. It was certainly not our intention to cause you any undue hardship
or frustration. Please be advised that the alerts are intended to be used as a
courtesy communication, and the delivery timeframe may be after the event has
occurred rather than at the time of the occurrence. I have included a copy of
the terms and the conditions for both online banking and the mobile text alerts
for your convenience.A review of the alerts you have set up for your account confirmed
that the alerts are working accurately and as intended. Currently, your alerts
are set to notify you if your balance is below $25.00, ATM transaction, debit
card transactions for purchases made at gas stations, international purchases,
online and phone or mail purchases.The low balance alert is intended to provide notice of your
balance based on items posted to your account and cannot alert for pending
transactions. You may want to consider modifying your low balance amount, to
allow you the chance to make a deposit or transfer funds to avoid an overdraft.
We also recommend that you check your account balance regularly to verify your
available balance and pending items against items you have authorized that are
not yet showing (i.e. checks you have written).If an account becomes overdrawn, we assess an overdraft fee for
each item that posts while the account has a negative balance. The Bank
processes transactions at the end of each business day, and per our Rules and
Regulations, the transactions that post to your account are processed in the
following order:Credits and deposits made prior to the end of day cutoff timeATM and debit card transactions in the order they took placeAll other debits, including checks and electronic bill payments, in the order of highest to lowest amountFees and service chargesDebit card and ATM transactions will reflect against your
available balance immediately. Checks and electronic bill payments are
processed at the end of each business day and will not show as pending on your
account during the day.I have reviewed the overdrafts you mention from December 16,
2015, February 7, 2016, and April 18, 2016.Per the overdraft notice sent to you on December 16, 2015, your balance would have reflected negative, once the last transaction at [redacted] was showing on your account, the time stamp shows that this was completed at 4:43 PM.The overdraft notice from February 8, 2016, indicated that the overdraft occurred when check number [redacted] in the amount of $38.50 posted to the account at the end of the business day. The negative balance would not have been visible on your account until the next day.The overdraft notice sent on April 19, 2016, shows the balance was negative with a [redacted] purchase, which was completed at 2:12 PM and was further negative with a [redacted]purchase
at 4:58 PM.For each occurrence, funds deposited at a banking center prior
to closing, transferred online before 9 PM EST, or deposited at a Fifth Third
ATM prior to 7 PM EST would have avoided the overdrafts and associated fees. I
have included a copy of each of the overdraft notices for your convenience.We strive to provide professional and accurate information to
our customers and I apologize if this has not been your experience. As a
courtesy we have waived $74 of your overdraft fees at your request. Please be
advised per bank policy no further overdraft fees may be able to be waived,
unless the overdraft fees are caused by fraud or bank error.We appreciate your patience while we researched this matter. You
are a valued customer and we look forward to serving your financial needs in
the future. If I can 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,Shannon K.Office of the PresidentEnclosures: Online Banking Terms and Conditions, Mobile Text
Alerts Terms and Conditions, Overdraft Statements

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  \The 5/3 error resolution agreement says: https://www.53.com/doc/pe/pe-rules-regs-grp.pdfError Resolution
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS, contact us at the appropriate
address or phone number listed above as soon as you can.
If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement
or receipt, we must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem
or error appeared.
a) Tell us your name and Account number.
b) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an
error or why you need more information.
c) Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.
We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any
error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If
we decide to do this, we will credit your Account within ten (10) business days for the amount you think is in error, so
that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put
your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your
account.
For the fi rst thirty (30) days after your Account is opened and in which a notice of error is received, the applicable time
periods shall be twenty (20) business days and ninety (90) calendar days. We will tell you the results within three (3)
business days after completing our investigation.
If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents
that we used in our investigation.So I have 3 situations now:1) I have submitted all the supporting documentation to 5/3 where [redacted], requested to contact the bank to file credit not received claim; I also submitted the pictures and the UPS proof of delivery, so why 120 days are now needed?Bank sent a letter saying it will take 31 days to resolve;2) Situation #2 - the agreement says, if within 10 days the bank wont resolve they will credit the account during the investigation and it might take up to 45-60 days as federal law requires.3) And the newest situation #3 - the 5/3 responds, saying the agreement as well as the correspondence was not understood properly - and these rules only applies for unauthorized claims.  Plus now they says it might take up to 120 days which is more than the Federal law requires.Very unhappy with this type of error resolution.https://www.wellsfargo.com/biz/merchant/service/manage/chargeback/cod...⇄ Chargeback Tool — Reason Codes[redacted] Reason Code 85/[redacted] Reason Code 60Definition:Credit Not Processed. ([redacted]). Cardholder acknowledges participating in the Transaction and claims the merchant owes them a credit as they have returned or cancelled the goods/services. To date the Cardholder states they have not received a credit.Q: Was credit processed?    A: NoQ: Have you received the merchandise back from the Cardholder?   A: Yes Q: Is this request for credit outside the terms/timeframes of your return policy?    A: No Q: For Internet TransactionsDid the Cardholder have to "click to accept" your return policy in order to complete the purchase?   A: YesFor Card Present TransactionsIs your return policy printed on the customer's receipt near their signature?    A: Yes RESULTTo accept a Chargeback no action is necessary on your part, you do not need to respond to this Chargeback. TipsTo prevent Chargebacks, advise the customer that you are issuing them a credit, and credit their account as soon as you realize they were owed money.Never issue a credit after a Chargeback has occurred. In doing so you risk paying the customer twice.Return to Chargeback ToolI did it in few minutes, so why would it take 120 days for the 5/3 Bank?
Regards,
[redacted]

[redacted] Date: October 23, 2015 Account: [redacted] Regarding Your Credit Card Account Dear [redacted]: We received a copy of the complaint filed with the Revdex.com regarding finance charges on...

your credit card account. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. We conducted a thorough review of the activity on your credit card account from June 2013 until December 2013. Our review determined that our payment service, Auto BillPayer, was making the minimum payments to your credit card account each month. Therefore, the interest charges that posted to your credit card account during that time are accurate and we are unable to waive the finance charges, as you have requested. According to your complaint, during 2013, you sent in check payments to the Bank to pay off the full balance owed on your credit card account, but the checks were never processed. After reviewing your credit card statements, we discovered that the only payment that we received was made on November 20, 2013, in the amount of $2,760.00. I have enclosed the related credit card statements for your review. I apologize if the payments that you mailed in were not processed. If you can provide proof of the payments sent, I would be happy to research this matter further. We hope this response will help you understand Fifth Third Bank’s position going forward. We appreciate your patience while we researched your request. If I may be of further assistance to you, please call me at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Lisa S. Office of the President Pc: Revdex.com Enclosure: Credit Card Statements

[redacted] Date: January 29, 2016 Account: [redacted] Regarding Your Installment Loan Dear [redacted]: We received a copy of your additional complaint filed with the Revdex.com, regarding your installment loan. We appreciate the time you have taken to document your thoughts and concerns regarding this matter. On behalf of the Bank, we would like to offer our sincere apologies for any inconvenience or frustration this matter may have caused you. However, we stand by the responses conveyed to you in our previous letters sent to the above address on January 11, 2016, and January 21, 2016. Our position on these matters has not changed. As we mentioned in our previous correspondence, in the interest of customer service, the two (2) $30.00 NSF fees were waived from the account. However, there was no Bank error in the assessment of the fees to the account. Because there was no error, we are unable to accommodate your request to waive additional fees. As previously mentioned, Auto BillPayer was set up on the account, and the first payment was scheduled for October 16, 2015.However, when we attempted to draft the payment, it was returned by [redacted] due to a block that was placed on the account. Because the payment was blocked, the Auto BillPayer was cancelled. We cannot advise why this block was placed; you may wish to discuss this matter further with [redacted]. Thank you for your patience while waiting for a response. If I could be of further assistance to you, please contact me directly at ###-###-####, or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, [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]  Customer called Revdex.com indicating he does not understand why his account has not been adjusted. Seeking additional explanation/clarification.

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  I faxed a copy of the check I sent the last week of May to Fifth Third after speaking to one of their representatives the week of the 15th. It was not posted to my account so I called to check on the manner. At this time I was the one who notified them of the error of another person's money being posted to my account. There are recordings to represent this conversation through fifth third. Also, it is my understanding according to the law, fifth third can not hold a Lien release after cashing the payoff check my bank sent them. They have cashed it. I have sent them a check in the mail for the "remaining balance" to keep my credit from being affected. I have A+ Credit with nothing to hide. I pay my bills. Please inquire about the recordings they have and the copy of the check I faxed  to 513-358-5477 with the reference number of 21816933. I also inquired about a name change considering my name was spelt wrong at the time and automatic payments. I was told on the 16th the copy of the check was not sufficient after being told it would be the prior date. My husband was told my a different represtative out check was returned. I verified this with my bank. Nothing was taking out of my account, which had 3000 in it at the time. I believe that was a sufficient amount to pay the bill. 
Regards,
[redacted]

[redacted]
[redacted]
[redacted]Date: May 28, 2015 Account: [redacted]Re: Credit Card Convenience ChecksDear [redacted]:Thank you for the letter you sent to the Revdex.com regarding your credit card. We appreciate the time you have taken to document your...

thoughts and concerns regarding this matter.On behalf of the Bank, please accept my sincere apologies for any inconvenience or frustration this matter may have caused you. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. I also want you to know that customer concerns are reviewed by our senior and executive management teams as part of our ongoing commitment to improving our customers' satisfaction.The Bank recently sent you a letter along with attached convenience checks for use with your Platinum [redacted] account ending in [redacted]. Any purchases made with these checks will be at the promotional annual percentage interest rate of zero percent (0.00%) through your billing cycle date in March 2016. As disclosed in the letter that you received, a convenience check fee will be assessed when these checks are used. The fee is the greater of $5.00 or four percent (4.00%) of the total dollar amount of the transaction.On April 30, 2015, a convenience check of $8,575.00 posted to your credit card account. The fee of four percent (4.00%) of the total purchase amount of $8,575.00 is $343.00. Since this was disclosed to you in the letter that you received from the Bank along with the attached convenience checks, the Bank is not willing to refund the fee of $343.00 that was assessed to your account on April 30, 2015. We regret any inconvenience or frustration this may cause you.[redacted] you are a valued customer and I appreciate this opportunity to address your concerns. If I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted] Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely,[redacted]Consumer Resolution Specialist Office of the PresidentPc: Revdex.com

Hello: We have addressed [redacted] concerns regarding the scheduling of payments in our previous two (2) responses.  Because the card is revoked, he is not able to make payments to his credit card through our online system, or Auto BillPayer. He may set up automatic payments with our collection department; however, the collection department, per their procedures, will not accept more than four (4) payments. I have attached our prior responses to this email.  Because there are no additional concerns being addressed by the customer, we stand with our previous responses. Thanks  Pat S.Senior Consumer Resolution SpecialistFifth Third Bank | Office of the President5050 Kingsley DriveMD 1MOCOPCincinnati, OH 45263Phone: ###-###-#### Fax: ###-###-####Email:  [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.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]If this is all you can do to help, I must try other avenues. 
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.  For your reference, details of the offer I reviewed appear below. the letter and the declaration page have been faxed to that direct number 3 times I personally faxed it from a UPS store once. Plus the issue with not being able to file a claim with the insurance they forced on me in march for damage done to my car in Janurary which they charged after the date had already passed has not been addressed either. I stand by my rejection. 
Regards,
[redacted]

[redacted] Date: May 27, 2016 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. On behalf of the Bank, please accept my sincere apologies for any frustration you experienced regarding this matter. The beginning balance in your checking account on May 6, 2016, was $18.92. Six (6) transactions totaling $30.30 posted to your account that day, causing an ending balance of negative ($11.38). Three (3) transactions contributed to the overdraft occurrence. We paid all of the items and assessed three (3) overdraft fees of $37.00 each on the following business day, May 9, 2016. Enclosed for your reference is a copy of the Rules and Regulations for your account. Page three (3) provides information about the overdraft fees assessed to your account. Pages eleven (11) through thirteen (13) provide additional information regarding how the Bank processes overdrafts. I have also enclosed a copy of the overdraft notice we sent to you the next business day on May 9, 2016. Please note that we process transactions at the end of each business day and we do not process transactions on Saturday, Sunday, or Federal Holidays because they are not business days according to Federal guidelines. Additionally, checks and Automated Clearing House (ACH) transactions will not show as pending items when you check your account during the day. Checks and ACH transactions are applied to your account at the end of the business day during our overnight processing hours. If there are not enough funds to cover the checks or ACH transactions that post to your account with that day’s business, then your account is subject to overdraft fees that will be assessed to the account on the next business day. The three (3) items that posted to your account that we paid while the balance was negative were ACH transactions. Because ACH transactions do not show as pending on your account, the overdraft was not visible during the day on May 6, 2016. After we processed the ACH transactions during our overnight processing that day, the overdrawn balance of negative ($11.38) was listed on your account beginning on May 7, 2016, which was a Saturday. The negative balance was visible on our website at 53.com, via our Mobile Banking application, through our automated phone system and Customer Service Department, and at our Automated Teller Machines (ATMs). While the negative balance was visible on May 7 and May 8, 2016, overdraft fees are not assessed to the account on non-business days. The first (1st) business day after the date of the overdraft was Monday, May 9, 2016. On May 9, 2016, the $111.00 in overdraft fees were listed as pending on your account, and they posted that night during our overnight processing hours. I am sorry for the dissatisfaction you have experienced because the fees were not visible sooner. For 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 future. Please feel free to contact me at the number below should you have any questions regarding the enclosed reference guide. I would be happy to assist you. It was certainly not our intention to cause you any frustration, and I apologize for any inconvenience this matter may have caused you. We previously reversed overdraft fees totaling $50.00 as a courtesy to you. In the interest of customer service, we have credited back an additional $24.00 in overdraft fees as a courtesy on May 25, 2016. We are unwilling to waive additional fees at this time. As of May 24, 2016, the balance in your checking account is $4.59. I confirmed that there has not been an additional overdraft on your account since May 6, 2016. Please be assured the Bank takes overdraft account situations very seriously. At this time our banking centers are not currently required to contact each customer that becomes overdrawn. Additionally, Fifth Third Bank does not contact customers to notify them of a potential overdraft before the overdraft has occurred. In some cases the banking center may make a courtesy telephone call on an overdrawn account. I apologize for the distress this has caused you. 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 Enclosure: Overdraft Notice, Rules and Regulations, Fifth Third Overdraft Solutions 2

[redacted] Date: December 14, 2017 Account: [redacted] Regarding Your E-Access Checking Account Dear [redacted]: We received a copy of your complaint recently filed with the Revdex.com regarding the...

overdraft fees you received on your E-Access checking account and the status of this account’s Overdraft Coverage. 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 inconvenience this matter may have caused you. We have researched the issue surrounding the recent overdraft fees that you received on this account, and have found that these fees were charged accurately. We 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 authorized, either by debit card, check, or electronic Automated Clearing House (ACH) payments, have cleared your checking account by utilizing a checkbook register. Due to no bank error being found in our research of this matter, we are unable to fulfill your request to refund the $407.00 in overdraft fees charged to your account within the last three months. Our research has determined however, that $74.00 in overdraft fees have been reversed in the interest of customer service in June 2017. To clarify for future transactions, the Bank processes transactions at the end of each business day in the following order: ** Credits and deposits made prior to the end of day cutoff time ** ATM and debit card transactions in the order they took place ** All other debits, including checks and electronic bill payments, in the order of highest to lowest amount ** Fees and service charges Debit card and Automated Teller Machine (ATM) transactions are time-stamped debits and are pre-authorized at the time of use, and will show pending until they are posted. Because time-stamped debits are pre-authorized at the store and cannot be returned, we pay these items first in the order they were authorized. Checks and electronic ACH payments are batch debits that are not pre-authorized by us. These transactions do not include a time-stamp and will not show as pending during the day. Checks and electronic ACH payments are collected during overnight processing and will post to the statement for that business day, the day the payments were authorized. Regarding the frustration you state you felt concerning the Overdraft Coverage on your account, please know I sincerely apologize for any misunderstanding which may have occurred associated with this feature. Overdraft Coverage allows a customer to access funds beyond the balance in their account for emergency cash needs. The option exists for account holders to choose whether to continue having Overdraft Coverage on your account for ATM (Automated Teller Machine) transactions and one-time debit card transactions per federal regulations. Effective June 11, 2010, you had the ability to choose whether to continue having Overdraft Coverage on your account for ATM transactions and one-time debit card transactions via Internet Banking at 53.com, by calling our 24 hour automated telephone line at ###-###-####, or by visiting one of our local Banking Centers. According to our records, your account is currently opted out of Overdraft Coverage. Please be aware, with the decision to decline Overdraft Coverage for ATM and one-time debit card transactions, your card will be declined if there are insufficient funds in your account, and will therefore not receive overdraft fees for debit card transactions. However, this Overdraft Coverage does not apply to checks and electronic ACH payments. If a check or electronic payment is presented against your account with insufficient funds, the item may be assessed an overdraft fee, or returned and charged a $37.00 returned item fee. If the checking account is overdrawn, we also send an overdraft notice via standard mail to inform you of the occurrence that includes a detailed breakdown of the day’s transactions. Included with this letter you will find a copy of our Rules and Regulations. Please review this document for more information about overdrafts and how items may post to your account. If you have any questions, please contact myself, your local branch, or a customer service professional at ###-###-####, Monday through Friday, 7 a.m. to 8 p.m., Saturday, 8:30 a.m. to 5 p.m., ET. Please be assured we have researched this matter fully, and passed on your concerns to the relevant parties within the Bank. It was certainly not our intention to cause you any difficulties or frustration. We strive to provide an exceptional experience to our customers with each interaction, 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. [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 Pc: Revdex.com Enclosure: Rules and Regulations

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.   They facts they list as when I first contacted them are incorrect and they have made no commitment to stop their business practices that make it difficult for customers to be efficient in dealing with the bank.  I have also asked that the person responsible for this give me a call to discuss but have received no call.  
Regards,
[redacted]

[redacted] Date: October 2, 2015 Account: [redacted] Regarding Your Fifth Third Bank Installment Loan Dear [redacted]: We received a copy of the complaint you filed with the Revdex.com,...

concerning the difficulties you experienced in paying off your vehicle installment loan. We appreciate the opportunity to respond to your concerns regarding this matter. Your comments expressing less than quality customer service are very concerning. At Fifth Third Bank, we are continuously evaluating the service we are able to provide to our customers. We sincerely value your feedback as it assists us in delivering first class customer service which is a priority to us. It is feedback like yours that helps us identify problems and improve the level of service we provide to our customers. Please be assured that the relevant parties have been contacted to express your dissatisfaction with the service you received. On June 3, 2015, you agreed to a seventy-two (72) month vehicle installment loan in the amount of $27,909.07 for your [redacted] with a monthly payment of $457.14 due on the third (3rd) of each month. We also confirmed that you agreed to purchase a [redacted] insurance policy for your installment loan. On September 24, 2015, we received a check from [redacted], your insurance company, in the amount of $25,077.82. On the date this payment was received, the balance owed on your vehicle loan was $27,213.05. Therefore, the payment from the insurance company was not sufficient to pay off your loan in full. A principal balance of $2,135.23 remained owed on the loan after the payment from your insurance company was received. Since your loan balance was not paid in full the loan remains open with a balance owed. The total loss of your vehicle did not exempt you from making the required monthly payments since we did not receive sufficient funds from your insurance company to pay off the loan. On September 3, 2015, the Bank received and posted a payment of $435.37 which satisfied your payment due on September 3, 2015. On September 9, 2015, this payment was reversed, because you had placed a stop payment on the [redacted]. According to the [redacted] policy agreement, your policy covered the difference between the financed balance on your loan contract and the vehicle’s actual cash value should it be deemed a total loss. However, this [redacted] policy does not include coverage for unearned finance charges, any past due payments, or penalty fees, including late charges, if remained unpaid on the loan. As of September 30, 2015, the Bank has not received a payment from your [redacted] insurance claim. Please note you may have a final payment due after your [redacted] insurance payment is received by the Bank. It is important that you cover the difference that your [redacted] insurance company is not willing to pay. Therefore, we are not willing to reimburse you or make any adjustments to your vehicle loan at this time. Although we sympathize with the difficulties you encountered after your accident, we believe our Total Loss Department has processed the payments received from your insurance company appropriately. If you have questions regarding your total loss claim, please contact the Plan Administrator. [redacted] can be contacted at ###-###-####. I have enclosed a copy of your signed Total Loss Protection Addendum for your convenience and records. It was certainly not our intention to cause you any frustration and we appreciate your patience while we researched this matter. You are a valued customer and we hope you will allow us to service you financial needs in the future. If I could be of further assistance to you, please call me at ###-###-####, or toll free at [redacted], Monday through Friday, 8 a.m. to 6 p.m., ET. Sincerely, Patrick S. Office of the President Pc: Revdex.com Enclosed: Total Loss Agreement

[redacted] Date: July 1, 2015 Account: [redacted] Regarding Your Checking Account Dear [redacted]: We received a copy of your complaint filed with the Revdex.com, regarding the overdraft fees assessed to your checking account. We...

appreciate the time you have taken to document your thoughts and concerns regarding this matter. Your comments expressing less than quality service are very concerning. On behalf of the Bank, please accept my sincere apologies for any inconvenience this matter may have caused you. We strive to provide professional and accurate service to our customers, and we regret if that has not been your experience. On the day of your deposit, a combined $100.00 from all deposited checks is available immediately; the remaining funds will be made available on the next business day. Cash deposited into an account is immediately available. For deposits made on Saturday, Sunday, or a Federal holiday, the day of your deposit is the next business day. A business day is defined as Monday through Friday, excluding Federal holidays. I have enclosed a copy of our current Rules and Regulations. Refer to pages eighteen (18) and nineteen (19) for additional information regarding funds availability. It should be noted that Fifth Third Bank does not determine the date an Automated Clearing House (ACH) transaction is posted to your account. The company or merchant that initiates the ACH transaction provides a collection and settlement date for the item, which indicates when the pur[redacted] will post to your account. If an account becomes overdrawn, we assess an overdraft fee for each item that posts while the account is overdrawn. We do not assess overdraft fees on pending transactions. Per item overdraft fees will not be assessed if your account is overdrawn by less than $5.00. The amount of the per item overdraft fee is based on the number of times your account has become overdrawn in the last twelve (12) months. For the first overdraft occurrence, you will be charged $25.00 per item. For each additional occurrence, a $37.00 per item fee will be assessed.On June 22, 2015, the beginning balance for your checking account was $2,874.08. We received your check deposit for $1,258.56 and $100.00 was made immediately available. As a result, the remaining funds totaling $$1,158.56 were not available until the following day. Fifteen (15) items totaling $3,185.13 posted to your account. Therefore, your ending account balance was negative ($211.05). Due to insufficient funds, nine (9) overdraft fees totaling $225.00 were assessed to your account and posted the following day.It is important to ensure that your checking account has sufficient funds to cover the transactions you have authorized. However, in the interest of customer service we reversed $112.50 of the overdraft fees assessed to your account on June 29, 2015.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.[redacted], please be assured that it was not our intention to cause you any hardship or frustration. You are a valued customer and we look forward to serving your financial needs in the future. If I could be of further assistance to you, please contact me directly at ###-###-#### or toll free at ###-###-####, Monday through Friday, 8 a.m. to 6 p.m., ET.Sincerely, [redacted]Consumer Resolution Specialist Office of the PresidentEnclosure: Overdraft solutions flyer Pc: Revdex.com